Dutch Journal of Finance and Management

Dutch Journal of Finance and Management, 2026 - Volume 9 Issue 1, Article No: 41601
https://doi.org/10.55267/djfm/19207

Published Online: 30 Jun 2026

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Given the increasing importance of crisis management in the disruptive post-Covid-19 era, this research offers a critical analysis of the types of crises that the emerging financial institutions experience as well as the effectiveness of the strategies for mitigating such crises. Through such analysis, the study aimed to discern the improvement initiatives that must be adopted. The study used an integrative review as part of the qualitative research methodology to evaluate and triangulate relevant crisis management theories and literature with the types of crises experienced by the emerging financial institutions in South Africa. In response, the study also examined the strategies for mitigating such crises. Thematic analysis of the gathered 40 articles revealed the typology of crises experienced by the emerging financial institutions in South Africa to reflect rising inflation, interest rates, unemployment, Covid-19’s lingering negative economic effects, energy crisis and pressure of balancing financial inclusiveness with poverty eradication. Some of the emerging financial institutions have been thrown into crisis situations due to the increasingly uncontrollable inflationary situation, rising interest rates and unemployment. Since most of the emerging financial institutions have not yet built the resilience to operate more sustainably, it becomes difficult for them to survive any form of protracted disruptions from the changes in the economic variables. Besides energy crisis, most of the emerging financial institutions also face crises arising from the question and pressure of balancing financial inclusiveness with poverty eradication demands from the population and government. To mitigate financial and liquidity crises, most of the financial institutions introduced more stringent lending criteria. This ensured that it is only the small and medium scale businesses with the more well-established sources of revenues that are provided with the required capital finance. In addition to these measures, the South African government has also been adjusting interest rates, while also offering liquidity support to distressed businesses and strengthening regulations to mitigate reckless lending.

Crisis Management Emerging Financial Institutions Profitability Crisis Liquidity Crisis

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