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The second-floor condo, located in the Americana Finmark community, is priced at $239,900.

Around a third of the population rely on loans for necessities like food, according to financial inclusion organization FinMark Trust.

Brendan Pearce, chief executive of FinMark Trust, said measures to open up the credit market in South Africa had worked “almost too well”.

About 75% of adults in the country have bank accounts, a survey done by technology research body FinMark shows.

He had recently returned from a two years' residence at Archangel, where the merchants of Finmark send their sons to learn the Russian language, as it is of vital importance for their trading interests—the greater portion of the trade of Finmark being with the White-Sea districts, which supply them with meal and other necessaries in exchange for stockfish, &c.