South African Economist, part-time lecturer at Gordon Institute of Business Science (GIBS) and  Economic Advisor to the Optimum Financial Services Group, Dr Roelof Botha says the South African Reserve Bank (SARB)'s continuous interest rate hikes have left the average South african paying much more for debt. Dr Botha says the reserve bank is fixated on keeping inflation down- while forgetting to create an environment that leads to economic growth and job creation. He spoke to Thami Ngubeni.