Roestoff , Melanie, and Hermie Coetzee. “Debt Relief for South African NINA Debtors and What Can Be Learned from the European Approach”. Comparative and International Law Journal of Southern Africa 50, no. 2 (November 19, 2020): 251–274. Accessed December 10, 2025. https://unisapressjournals.co.za/index.php/CILSA/article/view/8702.