Bachelor of Commerce Majoring in Credit

Introduction

Credit plays a vital role across various industries, influencing decisions from extending terms to business customers in industrial settings to granting loans in retail environments.

It determines whether financial institutions approve loans, or if governments and corporations successfully issue bonds to finance major projects. Understanding credit is key to navigating and succeeding in today’s complex financial landscape.

Next Start Date

10 February 2026

Duration

3 Years

NQF Level

SAQA ID

90509

Credits

360

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About the Programme

This qualification is designed for employed individuals seeking specialized knowledge in credit granting, risk management, and financial management. It’s also beneficial for those in junior positions in banking, micro-loans, or non-financial sectors aiming to enhance their career options.

The BCom degree with a major in Credit provides a solid educational foundation in commerce, covering key areas like business management, accounting, and economics. Graduates can operate effectively in credit-related environments, whether at specialist or first-level management positions. For career-oriented students aiming for senior management roles, this degree can serve as a pathway to BCom Honours or Postgraduate Diplomas in Banking, Credit, Finance, or Business Administration.

The BCom degree appears on the Financial Sector Conduct Authority’s (FSCA) list of recognised qualifications for FAIS Fit and Proper purposes.

Programme Structure

Microeconomics
Macroeconomics
General Management
Management and Leadership
Entrepreneurship
Risk Management
Business Credit
Business Research Methods
Financial Management

Please refer to the factsheet for a detailed breakdown of modules.

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Applicants require a National Senior Certificate (please take note of the applicable minimum criteria listed below).

Minimum Admission Requirements

Candidates who matriculated in 2007 or earlier with a Senior Certificate

Require a minimum of 24 points on the Milpark points system.
Require a symbol of E or higher for Mathematics on HG, or a symbol of D or higher for Mathematics on SG.
Candidates who do not meet the Mathematics requirement but who have achieved a rating of 4 or higher in any two of the following subjects may be offered admission on condition that they successfully complete the bridging programme: Economics, Business Economics, Accounting, Physical Science or Physics/Chemistry, Natural Science or Biology.
Candidates who do not meet the 24-point admission criterion, may apply to Universities South Africa (USAF), for mature age exemption (https://mb.usaf.ac.za/).

Candidates who matriculated in 2008 or later with a National Senior Certificate

Require a minimum of 50% in four NSC 20-credit subjects, including English.
A minimum mark of 50% for Mathematics or 70% for Mathematics Literacy.
Candidates who do not meet the Mathematics requirement but who have achieved a minimum mark of 50% or higher in any two of the following subjects may be offered admission on condition that they successfully complete the bridging programme: Economics, Business Economics, Accounting, Physical Science or Physics/ Chemistry, Natural Science or Biology.

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Resources and Support Information

Factsheet

Download our factsheet for everything you need to know about our BCom with a Major in Credit.

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Undergraduate Prospectus

Our undergrad prospectus offers a comprehensive guide to various programmes, helping you choose.

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Textbooks

Access the full textbook list to ensure you have all required materials for your studies.

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Fees and Payment Terms

Explore a detailed fees breakdown for the BCom with a Major in Credit to plan your career investment.

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Timetable

Explore our programme schedule to effectively plan your Milpark Education journey.

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Technology Requirements

Ensure you're prepared with the necessary tech requirements to optimise your online learning experience.

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BCom Streams

Your BCom learning journey – navigate the path to success.

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Immersive Online Learning

IO Learning is a guided, flexible digital experience designed to foster deeper learning and meaningful connection. Through scheduled sessions, interactive content, and collaborative activities, students engage in a human-centred environment that blends structure with flexibility. Advanced online tools, small-group collaboration, and personalised feedback create a rich, engaging, and connected learning journey.

Distance Learning

DL is a flexible, self-paced study mode for independent learners who prefer minimal online interaction. Students rely on textbooks and study guides, with optional access to online resources. Ideal for those with limited internet or who prefer offline study, DL offers lecturer support with less frequent engagement, allowing learners to manage their own progress.