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SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD: 

Demonstrate knowledge and application of ethical conduct in a debt recovery work context 
SAQA US ID UNIT STANDARD TITLE
116608  Demonstrate knowledge and application of ethical conduct in a debt recovery work context 
ORIGINATOR
SGB Administration 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
-  
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Office Administration 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular-Fundamental  Level 4  NQF Level 04 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Reregistered  2018-07-01  2023-06-30  SAQA 06120/18 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2024-06-30   2027-06-30  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This unit standard does not replace any other unit standard and is not replaced by any other unit standard. 

PURPOSE OF THE UNIT STANDARD 
This unit standard forms part of the qualification, FETC: Debt Recovery. This standard will add value to learners who have their own or wish to start their own Debt Recovery business, or those doing debt recovery in large Debt Recovery organisations. This standard will also add value to learners working in a large commercial organisation in the Debt Recovery/Credit control division.

The qualifying learner is capable of:
  • Explaining the concept of ethics in relation to debt recovery
  • Describing the role of the Code of Conduct in a debt recovery business context
  • Applying different ethical principles in the administration of debt recovery
  • Making ethical decisions based on the debt recovery code of conduct 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    It is assumed that learners are competent in:
  • Communication at NQF Level 3
  • Mathematical Literacy at NQF Level 3
  • Computer Literacy at NQF level 3 

  • UNIT STANDARD RANGE 
    N/A 

    Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Explain the concept of ethics in relation to debt recovery. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    The source of ethics is explained in relation to debt recovery. 

    ASSESSMENT CRITERION 2 
    The role of the South African Constitution in defining the source of ethics for South African society is explained in the context of a debt recovery context. 

    ASSESSMENT CRITERION 3 
    The relationship between ethics and the law is described for the debt recovery sector. 

    ASSESSMENT CRITERION 4 
    The relationship between ethics and generally accepted codes of conduct is explained for the debt recovery sector. 

    SPECIFIC OUTCOME 2 
    Describe the role of a code of conduct in the debt recovery business environment. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    The concept of a code of conduct is explained with reference to the role of a code of conduct in the debt recovery environment. 

    ASSESSMENT CRITERION 2 
    The accepted code of debt recovery ethics is analysed and an indication is given of how it should be applied. 

    ASSESSMENT CRITERION 3 
    A code of conduct of a debt recovery business is evaluated against the generally accepted code of conduct and checked for alignment. 

    SPECIFIC OUTCOME 3 
    Apply different ethical principles in the administration of debt recovery. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    The ethical principles in the debt recovery code of conduct are applied to five case studies that illustrate different principles. 

    ASSESSMENT CRITERION 2 
    The process to be followed when the code of ethics is breached is explained with examples. 

    ASSESSMENT CRITERION 3 
    The legal ramifications of a breach of ethics within the debt recovery context are identified and explained. 

    SPECIFIC OUTCOME 4 
    Make ethical decisions based on the debt recovery code of conduct. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    An ethical business decision is made and supported in relation to a debt recovery scenario. 

    ASSESSMENT CRITERION 2 
    Potential conflict between a personal value system and a specific code of ethics is identified and suggestions are made for potential resolution. 

    ASSESSMENT CRITERION 3 
    The consequences of non-compliance with the debt recovery code of conduct are debated with reference to current ethical incidents. 

    ASSESSMENT CRITERION 4 
    Conflicts of interest that arise out of different interpretations or applications of the debt recovery code of conduct are identified and suggestions are made on how the situations could be resolved in the best interests of all stakeholders. 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
  • An individual wishing to be assessed (including through RPL) against this Unit Standard may apply to an assessment agency, assessor or provider institution accredited by the relevant ETQA, or an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Anyone assessing a learner against this Unit Standard must be registered as an assessor with the relevant ETQA or with an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Any institution offering learning that will enable achievement of this Unit Standard or assessing this Unit Standard must be accredited as a provider with the relevant ETQA or with an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Moderation of assessment will be conducted by the relevant ETQA at its discretion. 

  • UNIT STANDARD ESSENTIAL EMBEDDED KNOWLEDGE 
  • The acts and related legislation applying to debt recovery
  • Principles of ethics
  • The code of conduct and rules pertaining to debt recovery
  • Conflict management
  • Problem-solving techniques 

  • UNIT STANDARD DEVELOPMENTAL OUTCOME 
    N/A 

    UNIT STANDARD LINKAGES 
    N/A 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    Learners are capable of identifying and solving problems in which responses show that responsible decisions using critical and creative thinking have been made in a making an ethical decision and identifying areas of potential conflict. 

    UNIT STANDARD CCFO WORKING 
    Learners are capable of working effectively with others as a member of a team, group, organization or community in describing the role of codes of conduct in a business environment and relating the source of ethics to the constitution. 

    UNIT STANDARD CCFO COLLECTING 
    Learners are capable of collecting, organizing and critically evaluating information in analysing codes of conduct and applying ethical principles to case studies. 

    UNIT STANDARD CCFO COMMUNICATING 
    Learners are capable of communicating effectively in explaining and describing the concept of ethics and the application of the debt recovery code of conduct. 

    UNIT STANDARD CCFO DEMONSTRATING 
    Learners are capable of demonstrating an understanding of a world as a set of related systems by outlining the source of ethics and debating the consequences of non-compliance. 

    UNIT STANDARD CCFO CONTRIBUTING 
    Learners are capable of participating as responsible citizens in the life of local, national and global communities by applying a code of conduct to the debt recovery work context.

    Learners are capable of being culturally sensitive across a range of social contexts in identifying potential conflict between personal value systems and a debt recovery business code of ethics. 

    UNIT STANDARD ASSESSOR CRITERIA 
    N/A 

    REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this unit standard was Reregistered in 2012; 2015. 

    UNIT STANDARD NOTES 
    N/A 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Core  57901   Further Education and Training Certificate: Credit Management  Level 4  NQF Level 04  Reregistered  2023-06-30  FASSET 
    Core  49021   Further Education and Training Certificate: Debt Recovery  Level 4  NQF Level 04  Reregistered  2023-06-30  FASSET 
    Elective  93997   National Certificate: Contact Centre and Business Process Outsourcing Support  Level 3  NQF Level 03  Reregistered  2021-06-30  As per Learning Programmes recorded against this Qual 
    Elective  57712   Further Education and Training Certificate: Generic Management  Level 4  NQF Level 04  Reregistered  2023-06-30  As per Learning Programmes recorded against this Qual 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. ACADEMY BUSINESS SCHOOL 
    2. AMATHUBA HUB 
    3. BC TRAINING ACADEMY 
    4. Boston City Campus & Business Coll 
    5. BRIGHT IDEA PROJECTS 447 PTY LTD T/A MIND -THE- GAP 
    6. CAMBLISH TRAINING INSTITUTE PTY LTD 
    7. CBM TRAINING PTY LTD 
    8. Chartall Business College 
    9. CUSTOMER CENTRIC SOLUTIONS PTY LTD 
    10. DIBANISA LEARNING 
    11. JUSTICE COLLEGE 
    12. KUKHULA GLOBAL PROJECTS PTY LTD 
    13. LEARNING AND PERFORMANCE ACADEMY 
    14. OSCAR MADLALA CONSULTING AND PROJECTS CC 
    15. QUALITY SOLUTIONS 
    16. TSHIREDO TRAINING ACADEMY CC 
    17. UCADEMY PTY LTD 
    18. UKWAKHILE TRAINING 



    All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.