{"id":10349,"date":"2024-05-24T09:07:04","date_gmt":"2024-05-24T09:07:04","guid":{"rendered":"https:\/\/collegeguide.co.za\/?page_id=10349"},"modified":"2024-05-24T09:07:04","modified_gmt":"2024-05-24T09:07:04","slug":"jse-fsr","status":"publish","type":"page","link":"https:\/\/uni1.co.za\/articles\/jse-fsr\/","title":{"rendered":"JSE FSR"},"content":{"rendered":"\n<div class=\"advads-atf\" style=\"margin-top: 15px;margin-bottom: 20px;\" id=\"advads-849628494\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-9198760278752355\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- Responsive ads atf -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-9198760278752355\"\n     data-ad-slot=\"8381596201\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div><p>FirstRand Limited, also referred to as FirstRand Group is the holding company of FirstRand Bank, and is a financial services provider in South Africa. It is one of the financial services providers licensed by the Reserve Bank of South Africa, the national banking regulator.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>FirstRand Group holds its investments through five main subsidiaries. These subsidiaries and their subsidiaries are therefore are members of the FirstRand Group include, but are not limited to the following:<\/p><p><strong>FirstRand Bank Limited<\/strong>\u00a0\u2013South Africa<\/p><p><strong>FirstRand Investment Holdings Proprietary Limited (FREMA)<\/strong>\u00a0\u2013 100% Shareholding \u2013 South Africa<\/p><p><strong>FirstRand International Limited (Guernsey)<\/strong>\u00a0\u2013 100% Shareholding \u2013 holding company for UK.<\/p><p><strong>FirstRand Investment Holdings Proprietary Limited (FRIHL)<\/strong>\u00a0\u2013 100% Shareholding \u2013 South Africa\u00a0<\/p><p><strong>FirstRand Investment Management Holdings Limited<\/strong>\u00a0\u2013 100% Shareholding \u2013 South Africa<\/p><p><strong>FirstRand Insurance Holdings (Pty) Ltd<\/strong>\u00a0\u2013 100% Shareholding \u2013 South Africa\u00a0<\/p><\/blockquote>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/sashares.co.za\/wp-content\/uploads\/2017\/03\/FirstRand-website.jpg\" alt=\"FirstRand shares\"\/><\/figure>\n\n\n\n<p><strong>Can you buy FirstRand shares online?<\/strong><\/p>\n\n\n\n<p>The website of SA Shares makes it easy for you to buy JSE listed shares online.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">FirstRand Shares Growth Driver<\/h1>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>FirstRand\u00a0aims to deliver long-term franchise value and superior FirstRand share price growth within acceptable levels of volatility<\/strong>, with this vision driven by<strong>\u00a0two growth strategies<\/strong>:\u00a0<strong>becoming a leading South African player focusing on existing and under-represented markets<\/strong>, and<strong>\u00a0growing African franchises<\/strong>\u00a0positioned to benefit from trade and investment flows between\u00a0<strong>Africa, Asia and Europe<\/strong>.<\/li><li><strong>FirstRand recorded good performance in the latest financial year<\/strong>, with profits of R 15 billion, a rise of 22%. The group\u2019s main profit contributor,\u00a0<strong>FNB, performed well<\/strong>\u00a0with a 20% increase in profits, while\u00a0<strong>RMB and WesBank<\/strong>\u00a0also recorded gains through new business volumes. Overall profit growth was however muted somewhat by the challenging economic environment in key markets. Despite this,\u00a0<strong>FNB grew<\/strong>\u00a0its presence in existing and new markets on the back of innovative products and delivery channels, particularly from electronic and digital platforms.<\/li><li><strong>FirstRand has high levels of surplus capital<\/strong>\u00a0for investment across the African continent, allowing it to expand its geographic reach and revenue streams, to the benefit of those who buy the shares.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">FirstRand Group Investor Tip<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>In response to an increasingly pressured economy in South Africa,<strong>\u00a0FirstRand has announced that it will close some branches and focus on cost efficiencies<\/strong>. After reporting\u00a0<strong>minimal headline earnings<\/strong>\u00a0per share of 3% in the second half on 2015, investors lost confidence in<strong>\u00a0FirstRand<\/strong>\u00a0shares. The live online stocks chart shows that\u00a0<strong>FirstRand<\/strong>\u00a0share price has suffered as a result. Shareholders did however receive a solid 20.9% increase in dividends.<\/li><li>Growth is anticipated to be slow in the near to medium term, but\u00a0<strong>FirstRand<\/strong>\u00a0shares have proven to be\u00a0resilient\u00a0and able to recover from slumps. The forecast for\u00a0<strong>FirstRand share price is uncertain<\/strong>, but investment analysts have advised that investors hold their position in the company, with several also hinting that investors buy shares due to\u00a0<strong>FirstRand<\/strong>\u2019s innovative offerings and growth prospects.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">FirstRand Major Shareholders<\/h2>\n\n\n\n<p>RMB Holdings, Public Investment Corporation, FirstRand Empowerment Trust, Financial Securities (Remgro).<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>SectorFinancials<\/li><li>IndustryBanking<\/li><li>Sub industryBanks<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How to buy FirstRand Group Shares<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>FirstRand : How to buy FirstRand Group Shares OnlineWe have made it simple to buy JSE listed firm shares online. The easiest way to buy\u00a0<strong>FirstRand\u00a0Group\u00a0<\/strong>shares or stocks is to;\u00a0<strong><em>start<\/em><\/strong>\u00a0by submitting the \u2018BUY THIS SHARE\u2019 form.\u00a0<strong><em>Next<\/em><\/strong>, one of our experienced and certified stock brokers will personally get in contact with you to discuss your custom stock request.\u00a0<strong><em>Finally<\/em><\/strong>, a stock advisor will confirm the amount of shares you are looking to invest in\u00a0<strong>FirstRand\u00a0<\/strong>and assist you with the setup and management of your stock portfolio account.<\/li><li>Here are the steps you must follow to Buy \/ Purchase FirstRand Group shares with utmost confidence:<ol><li>Start by Filling in the BUY THIS SHARE\u00a0<strong>form<\/strong>.<\/li><li>Insert your name, email, telephone number and monthly remuneration.<\/li><li>Then, Indicate the amount you are looking to\u00a0<strong>invest<\/strong>\u00a0in<strong>\u00a0FirstRand<\/strong>.<\/li><li><strong>Click<\/strong>\u00a0the \u201c INVEST NOW\u201d button<\/li><li>Once we have received your info, a dedicated stock advisor will personally call you back to discuss your personal share request.<\/li><li><strong>Lastly<\/strong>, your newly appointed personal stock advisor will handle all account setups and reporting as stipulated by the financial services board of South Africa (FSB)<\/li><\/ol><\/li><li>Buy Shares with ConfidenceBuying JSE shares has never been this convenient and easy. #myfirstshare<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Frequently Asked Questions<\/h3>\n\n\n\n<p><strong>What is FirstRand?<\/strong><\/p>\n\n\n\n<p>A leading South African financial services provider.<\/p>\n\n\n\n<p><strong>Can you buy FirstRand shares online?<\/strong><\/p>\n\n\n\n<p>The website of SA Shares makes it easy for you to buy JSE listed shares online.<\/p>\n\n\n\n<p><strong>Is FirstRand a good share to buy?<\/strong><\/p>\n\n\n\n<p>Investors buy shares in FirstRand because of the company\u2019s innovative offerings and growth prospects.<\/p>\n\n\n\n<p><strong>Who are the major shareholders in FirstRand?<\/strong><\/p>\n\n\n\n<p>RMB Holdings, Public Investment Corporation, FirstRand Empowerment Trust, Financial Securities (Remgro).<\/p>\n\n\n\n<p><strong>When was FirstRand founded?<\/strong><\/p>\n\n\n\n<p>1998<\/p><div class=\"advads-content\" id=\"advads-2828156033\"><div style=\"width: 300px; padding: 20px; margin: 0 auto; border: 1px solid #ddd; border-radius: 8px; background-color: #f9f9f9; text-align: center; font-family: Arial, sans-serif;\">\r\n    <p style=\"font-size: 16px; margin: 0 0 10px;\">Need Information or Confused about Something ? <\/p>\r\n    <a href=\"https:\/\/onlineapplications.co.za\/ask\/\" style=\"display: inline-block; padding: 10px 20px; background-color: #007BFF; color: #fff; text-decoration: none; border-radius: 4px; transition: background-color 0.3s;\">Ask a Question<\/a>\r\n<\/div>\r\n<\/div><div class=\"advads-btf\" style=\"margin-top: 15px;margin-bottom: 20px;\" id=\"advads-3398537574\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-9198760278752355\"\n     crossorigin=\"anonymous\"><\/script>\n<!-- Responsive ads btf -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-9198760278752355\"\n     data-ad-slot=\"5513273173\"\n     data-ad-format=\"auto\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/div>\n<div class=\"advads-cpc\" id=\"advads-2799661225\"><p>&nbsp;<\/p>\n<hr \/>\n<p>Sponsored Guide<\/p>\n<hr \/>\n<p><strong>Complete Guide to NSFAS Online Loan Application for South African Students (2025)<\/strong><\/p>\n<p>If you are a South African student looking to pursue higher education but are facing financial difficulties, the <strong>National Student Financial Aid Scheme (NSFAS)<\/strong> is one of the most accessible funding options available. NSFAS provides financial aid in the form of <strong>bursaries and loans<\/strong> to qualifying students at public universities and TVET colleges in South Africa.<\/p>\n<p>This guide will walk you through <strong>everything you need to know about the NSFAS loan application process<\/strong>, from eligibility requirements to application steps and frequently asked questions.<\/p>\n<hr \/>\n<h2>\ud83d\udccc What is NSFAS?<\/h2>\n<p>The <strong>National Student Financial Aid Scheme (NSFAS)<\/strong> is a government-funded financial aid scheme aimed at helping students from low- and middle-income households to access tertiary education without the burden of upfront fees.<\/p>\n<p>NSFAS <strong>offers both bursaries and income-contingent loans<\/strong>:<\/p>\n<ul>\n<li><strong>Bursaries<\/strong>: For eligible students who meet academic and household income criteria (especially for TVET and university students).<\/li>\n<li><strong>Loans<\/strong>: For students who do not meet all bursary criteria or who are pursuing postgraduate qualifications not funded under bursary schemes.<\/li>\n<\/ul>\n<hr \/>\n<h2>\u2705 Who Qualifies for an NSFAS Loan?<\/h2>\n<p>To qualify for an NSFAS loan (especially for postgraduate students or programs not funded under the bursary system), you must:<\/p>\n<ul>\n<li>Be a <strong>South African citizen<\/strong>.<\/li>\n<li>Be <strong>financially needy<\/strong>, with a household income of <strong>less than R350,000 per year<\/strong>.<\/li>\n<li>Have a <strong>valid South African ID<\/strong>.<\/li>\n<li>Be <strong>enrolled or accepted<\/strong> to study at a <strong>public university or TVET college<\/strong>.<\/li>\n<li>Not be funded through another bursary program that covers all expenses.<\/li>\n<li>Maintain satisfactory <strong>academic progress<\/strong> (returning students).<\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcda Courses Funded by NSFAS<\/h2>\n<p>NSFAS primarily funds <strong>undergraduate qualifications<\/strong>, but certain <strong>postgraduate programs (e.g., PGCE, postgraduate diplomas in education, and professional courses like LLB)<\/strong> may be considered under the <strong>NSFAS loan scheme<\/strong>, not bursaries.<\/p>\n<p>If you\u2019re studying:<\/p>\n<ul>\n<li><strong>Undergraduate degree or diploma<\/strong>: You are likely eligible for a full NSFAS bursary.<\/li>\n<li><strong>Postgraduate study<\/strong>: You may qualify for a loan, depending on the course and funding availability.<\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcc4 Required Documents for NSFAS Application<\/h2>\n<p>When applying, make sure you have the following documents scanned and ready:<\/p>\n<ol>\n<li><strong>Certified copy of your South African ID or Smart Card<\/strong>.<\/li>\n<li><strong>Parent(s) or guardian(s) ID documents<\/strong>.<\/li>\n<li><strong>Proof of income<\/strong> (latest payslips, UIF, or affidavit if unemployed).<\/li>\n<li><strong>Consent Form<\/strong> signed by your parent(s)\/guardian(s) to allow NSFAS to verify income.<\/li>\n<li><strong>Proof of registration or acceptance at a public institution<\/strong>.<\/li>\n<li><strong>Academic transcripts<\/strong> (for continuing or postgraduate students).<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\udda5\ufe0f How to Apply for an NSFAS Loan Online<\/h2>\n<h3>Step-by-Step NSFAS Online Application Process (2025)<\/h3>\n<ol>\n<li>\n<h3><strong>Visit the NSFAS Website<\/strong><\/h3>\n<p>Go to: <a href=\"https:\/\/www.nsfas.org.za\/\">https:\/\/www.nsfas.org.za<\/a><\/li>\n<li>\n<h3><strong>Create an Account<\/strong><\/h3>\n<ul>\n<li>Click on <strong>\u201cMyNSFAS\u201d<\/strong> and register your profile.<\/li>\n<li>You\u2019ll need a <strong>valid email address<\/strong> and <strong>South African cellphone number<\/strong>.<\/li>\n<li>Choose a strong password and verify your account via email or SMS.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Login and Start the Application<\/strong><\/h3>\n<ul>\n<li>After registration, log in to your <strong>MyNSFAS<\/strong> account.<\/li>\n<li>Click on <strong>\u201cApply\u201d<\/strong> to begin a new application.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Fill in Your Personal Details<\/strong><\/h3>\n<ul>\n<li>Input your <strong>ID number<\/strong>, name, surname, and other details exactly as they appear on your ID.<\/li>\n<li>Provide <strong>household income information<\/strong> and living arrangements.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Upload Required Documents<\/strong><\/h3>\n<ul>\n<li>Upload all supporting documents in <strong>PDF or JPEG format<\/strong>.<\/li>\n<li>Each document must be clear and under the size limit specified.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Submit Your Application<\/strong><\/h3>\n<ul>\n<li>Review your application for accuracy.<\/li>\n<li>Click <strong>\u201cSubmit\u201d<\/strong> and wait for a confirmation message.<\/li>\n<\/ul>\n<\/li>\n<li>\n<h3><strong>Track Your Application<\/strong><\/h3>\n<ul>\n<li>Log in regularly to check your application status.<\/li>\n<li>You will be notified via SMS and email at each stage of the process.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\uddd3\ufe0f Important NSFAS Dates (2025)<\/h2>\n<ul>\n<li><strong>Application Opening Date<\/strong>: September 1, 2025<\/li>\n<li><strong>Application Deadline<\/strong>: January 31, 2026<\/li>\n<li><strong>Appeals Period<\/strong>: February 2026 (if rejected)<\/li>\n<li><strong>Disbursement<\/strong>: After registration and approval<\/li>\n<\/ul>\n<p><em>Note: Dates are subject to change; always confirm on the official NSFAS website.<\/em><\/p>\n<hr \/>\n<h2>\ud83d\udcb8 What Does the NSFAS Loan Cover?<\/h2>\n<p>NSFAS funding typically includes:<\/p>\n<ul>\n<li><strong>Tuition fees<\/strong><\/li>\n<li><strong>Registration fees<\/strong><\/li>\n<li><strong>Accommodation (if living away from home)<\/strong><\/li>\n<li><strong>Meals and transport<\/strong><\/li>\n<li><strong>Learning materials (e.g., textbooks)<\/strong><\/li>\n<\/ul>\n<p>For <strong>loans<\/strong>, repayment is only required <strong>once you start working and earn above a threshold<\/strong> (around R30,000 annually, but subject to change).<\/p>\n<hr \/>\n<h2>\ud83d\udd04 NSFAS Loan Repayment<\/h2>\n<p>Repayments are:<\/p>\n<ul>\n<li><strong>Income-contingent<\/strong> \u2013 you only repay when you can afford to.<\/li>\n<li>Administered by <strong>DHET (Department of Higher Education and Training)<\/strong>.<\/li>\n<li><strong>Interest-bearing<\/strong>, but interest rates are low and favorable.<\/li>\n<\/ul>\n<p>You can also apply for a <strong>partial loan conversion to a bursary<\/strong> if you perform well academically.<\/p>\n<hr \/>\n<h2>\ud83d\udd01 How to Appeal a Rejected NSFAS Application<\/h2>\n<p>If your application is rejected, you may submit an appeal via your MyNSFAS portal:<\/p>\n<ol>\n<li>Log into your MyNSFAS account.<\/li>\n<li>Click on <strong>\u201cTrack Funding Progress\u201d<\/strong>.<\/li>\n<li>If rejected, click on <strong>\u201cSubmit Appeal\u201d<\/strong>.<\/li>\n<li>Upload any missing or corrected documents.<\/li>\n<li>Provide a clear explanation or motivation.<\/li>\n<\/ol>\n<hr \/>\n<h2>\ud83d\udcf1 NSFAS Contact Information<\/h2>\n<ul>\n<li><strong>Website<\/strong>: <a href=\"https:\/\/www.nsfas.org.za\/\">https:\/\/www.nsfas.org.za<\/a><\/li>\n<li><strong>Email<\/strong>: <a href=\"mailto:info@nsfas.org.za\">info@nsfas.org.za<\/a><\/li>\n<li><strong>Toll-Free Number<\/strong>: 08000 67327 (Monday\u2013Friday, 8 AM\u20135 PM)<\/li>\n<li><strong>Twitter<\/strong>: <a href=\"https:\/\/twitter.com\/myNSFAS\">@myNSFAS<\/a><\/li>\n<li><strong>Facebook<\/strong>: <a href=\"https:\/\/www.facebook.com\/myNSFAS\">NSFAS<\/a><\/li>\n<\/ul>\n<hr \/>\n<h2>\ud83d\udcdd Final Tips Before Applying<\/h2>\n<ul>\n<li>Apply <strong>early<\/strong> to avoid system overload near the deadline.<\/li>\n<li>Use <strong>your own email and cellphone number<\/strong> (do not use someone else\u2019s).<\/li>\n<li>Double-check that all your documents are <strong>certified and legible<\/strong>.<\/li>\n<li>Keep a <strong>copy of your submission confirmation<\/strong> for reference.<\/li>\n<\/ul>\n<hr \/>\n<p>By following this guide, you can confidently apply for NSFAS funding and move one step closer to achieving your academic and career dreams\u2014without the burden of immediate financial pressure.<\/p>\n<p>&nbsp;<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>FirstRand Limited, also referred to as FirstRand Group is the holding company of FirstRand Bank, and is a financial services provider in South Africa. It is one of the financial services providers licensed by the Reserve Bank of South Africa, the national banking regulator. FirstRand Group holds its investments through five main subsidiaries. These subsidiaries\u2026 <span class=\"read-more\"><a href=\"https:\/\/uni1.co.za\/articles\/jse-fsr\/\">Read More &raquo;<\/a><\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10349","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/pages\/10349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/comments?post=10349"}],"version-history":[{"count":0,"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/pages\/10349\/revisions"}],"wp:attachment":[{"href":"https:\/\/uni1.co.za\/articles\/wp-json\/wp\/v2\/media?parent=10349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}