When over-indebtedness results in a diagnosable mental health condition.

Loading player...
GUEST - Aadil Patel, National Practice Head and Director of the Employment practice at Cliffe Dekker Hofmeyr (CDH)



Over-indebtedness is an increasingly pervasive issue in South Africa, with profound legal, psychological, and social consequences. Beyond its evident economic impact, excessive debt has been linked to deteriorating mental health, impaired decision-making, and diminished functional capacity.



These effects raise an interesting and important question for employment law: to what extent can over-indebtedness constitute incapacity or serve as a mitigating factor in cases of employee misconduct?
23 Jun 2025 3PM English South Africa Business News · Investing

Other recent episodes

Pivot Point — Dr Nishal Khusial on AI in SA

Dr Nishal Khusial explores the rise of AI in South Africa and the launch of the School of AI Africa. We explore what this technological shift means for jobs, digital security, and business transformation.
17 Apr 5AM 19 min

SA–US Relations: Reset, Risk or Realignment?

Professor Patrick Bond unpacks the latest diplomatic shifts between South Africa and the United States — from new ambassadorial appointments to tariff investigations and geopolitical tensions.
17 Apr 5AM 20 min

Financial Rules Before You Say “I Do”

BDO Wealth Financial planner Shaun Chennells explains why financial alignment is crucial before marriage. From antenuptial contracts to shared goals, debt transparency and long‑term planning
17 Apr 5AM 15 min

New Car Sales Surge Despite Fuel Price Pain

South Africans are buying cars at the fastest pace in a decade — even as fuel prices soar. BrandMapp’s Brandon de Kock explains the behavioural trends behind the surge and why Millennials are driving demand
15 Apr 5PM 12 min