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46 messages from students who sat CGISA board papers, UNISA risk and finance modules and MANCOSA assessments. First names as they signed them.
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See a page
This is what you are actually buying
No competitor shows you a page before you pay — you get a page count and a star rating. Here is a worked example from the RSK4804 Credit Risk notes, set exactly as it appears in the document.
4.3Expected loss on a revolving facility
Expected loss is the amount a lender should provide for in advance, not the loss it fears in a bad year. The three components answer three separate questions — how likely is default, how much will be owed when it happens, and how much of that is unrecoverable — and the maturity adjustment scales the answer for the time the exposure stays open. Each is estimated independently, and a candidate who blends them loses the marks allocated to the separation.
Kgothalo Steel Processors (Pty) Ltd, a steel service centre in Ekurhuleni, has applied to your bank for a revolving working-capital facility. You sit on the credit committee, which has asked for the expected loss to be priced before the facility is approved.
| Item | Figure | Source |
|---|---|---|
| Approved facility limit | R18 000 000 | Credit application, para 4.2 |
| Expected drawn exposure at default | 82% | Bank's internal EAD model |
| One-year probability of default | 2,40% | Grade 6, internal masterscale |
| Loss given default | 45% | Secured on plant, after haircut |
| Maturity adjustment | 1,15 | Basel adjustment at M = 2,5 years |
Required (8)
Calculate the expected loss on the facility, expressed in Rand and as a percentage of the exposure at default.
Step 1 — Establish the exposure the calculation runs on
The limit is not the exposure. A revolving facility is drawn in part, so the exposure at default is the modelled draw against the approved limit, and every later component is applied to that figure rather than to the limit.
Step 2 — Apply the expected-loss identity
The probability of default, the loss given default and the maturity adjustment are multiplied onto the exposure established in step 1. The maturity factor multiplies forward here because the question asks for expected loss; it divides only when a probability is being backed out of a given expected loss.
Step 3 — Express the answer as a proportion of the exposure
The committee prices in basis points, so the Rand figure is returned to the exposure it was computed from. The limit plays no part in this ratio.
The maturity adjustment is where this question is most often lost. Candidates who have learned the identity as PD × EAD × LGD either omit the factor or, having noticed it in the data, divide by it. Read the requirement: where the expected loss is being computed forward, the adjustment multiplies. It divides only when the expected loss is given and a probability is being recovered from it.
One page of 368. The RSK4804 module runs to 45 documents across notes, solution packs, a revision reference and a formula sheet.
Straight comparison
Why this is not a seventy-five rand exam pack
Exam packs on the marketplaces are worth buying for what they are. They are simply not the same object, and it is fairer to say so than to pretend on price.
| Marketplace exam pack | Private tutor | TheronGroup | |
|---|---|---|---|
| Who wrote it | An anonymous seller handle | Usually nothing written | One named, credentialed author |
| What you get | 40 to 200 pages of past questions | Contact hours only | The whole module — notes, every paper worked, revision reference, formula sheet |
| Are answers verified | Self-declared “Grade A+” | Depends on the tutor | Nineteen automated checks; every figure computed in code, never typed |
| Can you see it first | A page count and a star rating | A first paid session | A full sample page and a free extract from your own module |
| If the memo is wrong | The error is reproduced | Rarely checked | The contradiction is resolved, recorded and numbered |
| Formats | One PDF | — | Markdown, Word and PDF for every document |
| Teaching included | None | Yes, without material | Tutoring taught from your own module's pages |
| Typical cost | R75 – R110 per document | R250 – R500 per hour | R320 per pack, R1 450 for a whole module |
The method
Evidence decides what gets taught
The 80/20 rule governs selection, never treatment. A concept that survives the cut is taught exhaustively; one that does not is cut whole. Broad, thin coverage is the thing we refuse to produce.
Mine the papers
Every past paper, assignment, memorandum and examiner's report is read before a single page is written.
Weight by frequency
Sub-concepts are tabulated by sitting and by marks. In RSK4805, two learning units carry 330 marks — nearly half the paper.
Select on the 80/20 rule
The high-yield fifth is treated exhaustively, the rest briefly. Nothing unnecessary is written.
Work it on one case
A single South African case business runs through every part, computed once and asserted across the set so figures never drift.
Prove it by machine
Nineteen automated checks per document — table integrity, render fidelity, figure carry, tone. A figure typed into prose fails the build.
Pricing
Published, because nobody else publishes theirs
Tuition providers quote on enquiry and marketplaces race each other down. Both cost you time. These are the prices.
Single pack
R320
One sitting or assignment
- One examination sitting worked in full
- Question reproduced exactly as set
- Every substitution shown
- Markdown, Word and PDF
Complete module
R1 450
Everything for one module
- Integrated Professor's Notes, all parts
- Every held paper and assignment worked
- Master revision reference
- Formula and technique sheet
- Free updates for your sitting year
Notes only
R850
The textbook replacement
- One note part per learning unit
- Every formula with its symbol table
- Worked example per technique
- Self-test at each part's close
Tutoring
R450
Per hour, online
- Taught from your own module's pages
- Six-session block at R2 400
- Examination intensive, R650 a seat
- Scheduled around a working week
If the first twenty pages do not earn their price, you pay nothing
Read the opening of any document you order. If it is not better than what you already have, say so within seven days and the payment is returned in full — no form to complete, and you keep the extract. Nobody in this market offers that, which is precisely why we do. The guarantee in full.
By programme
Start from the qualification you are registered for
Every module in the qualification, what we have for each, and what is still to come.
UNISA · NQF 8
UNISA PGDip Risk Management
Five compulsory NQF 8 modules covering operational, governance and compliance, financing, credit and market risk. Every module in the diploma is on our catalogue.
UNISA · NQF 8
UNISA BCom Hons Financial Management
Four compulsory modules — advanced financial management, international financial management, econometrics and a research project — plus one elective from investments or risk.
UNISA · NQF 8
UNISA BCom Hons Economics
Advanced macroeconomics, microeconomics and econometrics, an 8 000-word research report, and two electives from money and banking, international, public or development economics.
MANCOSA · NQF 8
MANCOSA PGDip Risk Management
Eight core modules over two semesters — risk frameworks, corporate risk, governance, auditing, risk modelling, strategy and project risk. Seven of the eight are on our catalogue.
CGISA · NQF 5
CGISA NQF Level 5
The four entry-level CGISA modules: communication, financial accounting, law and corporate governance. Introduction to Law is complete; the other three are coming soon.
CGISA · NQF 6
CGISA NQF Level 6
Information systems, business law, advanced financial accounting and corporate governance principles. Managing Information Systems is complete and Principles of Business Law is in build.
CGISA · NQF 7
CGISA NQF Level 7
Management principles, advanced business law and advanced corporate governance, plus the work experience portfolio CGISA requires for the qualification. Management Principles is complete.
CGISA · NQF 8
CGISA Board Level
Four Board modules, then either the Company Secretary route or the Governance Professional route. Four of the eight Board-level modules are on our catalogue.
Course catalogue
44 courses across 5 institutions
Search your module code. Status is stated honestly — what is finished, what is deliverable now, and what is still on the bench.
| Code | Module | Institution | Level | Status |
|---|---|---|---|---|
| FIN3701 | Financial Management45 solution packs and 12 note documents, closed at version 5.0 | UNISA | NQF 7 | Complete |
| FIN4801 | Advanced Financial Management165 files · eighteen sittings · 735 multiple-choice questions · seventeen chapter notes | UNISA | NQF 8 | Complete |
| MAC4866 | Information Strategy14 topic notes and 23 packs spanning the 2011 to 2025 sittings and assignments | UNISA | NQF 8 | Complete |
| RSK4804 | Credit Risk Management45 documents · 368 pages · 31 solution packs · 12 note parts · revision reference and formula sheet | UNISA | NQF 8 | Complete |
| AUI4862 | Internal AuditingThirty solution packs shipped; topic notes being rewritten | UNISA | NQF 8 | Available |
| FIN4802 | International Financial ManagementAssignment student editions from 2016 onward; nineteen study-unit notes in build | UNISA | NQF 8 | Available |
| INV4801 | Investments Portfolio Management72-page formula and technique sheet, examination map, practice pack and detailed unit editions | UNISA | NQF 8 | Available |
| RSK4802 | Governance, Risk and Compliance ManagementNine corporate-governance unit notes at depth; King IV and the Companies Act including the 2024 amendments | UNISA | NQF 8 | Available |
| RSK4803 | Risk FinancingLucky Strike and Healthy Fish cost-of-risk case studies worked in full | UNISA | NQF 8 | Available |
| RSK4805 | Market Risk Management18 solution packs · 358 pages · nine sittings, five assessment papers and four item banks | UNISA | NQF 8 | Available |
| AUI4861 | Advanced Internal Audit PracticeFive-deliverable programme: source map, worked papers, tutorial letters, topic notes, revision reference | UNISA | NQF 8 | In build |
| AUI4863 | Advanced Internal Audit ApplicationsTutorial letters and papers in build; King V held | UNISA | NQF 8 | In build |
| RSK4801 | Operational Risk ManagementFifteen of sixteen chapters of Professor's Notes built; twenty-five papers and forty assignment files held | UNISA | NQF 8 | In build |
| CIS 2-1 | Managing Information SystemsSixteen examination packs and six parts of notes, Harvard referenced | CGISA | NQF 6 | Complete |
| CIS 2-4 | Management PrinciplesSixteen packs at version 2.0 and five parts of notes | CGISA | NQF 7 | Complete |
| CSP | Company Secretarial PracticePacks, assignments and five parts of notes covering the 2026 outline in full | CGISA | NQF 8 | Complete |
| FDM | Finance for Decision-Making33 solution packs · five parts of notes · master revision reference | CGISA | NQF 8 | Complete |
| ITL | Introduction to LawTwelve solution packs and eight parts of Integrated Study Notes | CGISA | NQF 5 | Complete |
| AG | Applied Governance801 pages of Professor's Notes · 38 solution packs across two eras · ten companion documents | CGISA | NQF 8 | Available |
| CL | Corporate LawPast-paper solutions first, then notes, against the 2026 syllabus outline | CGISA | NQF 8 | In build |
| PBL-02 | Principles of Business LawSolutions then notes, against the 2026 syllabus outline | CGISA | NQF 6 | In build |
| ABL | Advanced Business LawA CGISA NQF 7 examination module, with study material in planning | CGISA | NQF 7 | Coming soon |
| ADCG | Advanced Corporate GovernanceA CGISA NQF 7 examination module, with study material in planning | CGISA | NQF 7 | Coming soon |
| AFA | Advanced Financial AccountingA CGISA NQF 6 examination module, with study material in planning | CGISA | NQF 6 | Coming soon |
| COM | CommunicationA CGISA NQF 5 examination module, with study material in planning | CGISA | NQF 5 | Coming soon |
| ICG | Introduction to Corporate GovernanceA CGISA NQF 5 examination module, with study material in planning | CGISA | NQF 5 | Coming soon |
| IFA | Introduction to Financial AccountingA CGISA NQF 5 examination module, with study material in planning | CGISA | NQF 5 | Coming soon |
| PCG | Principles of Corporate GovernanceA CGISA NQF 6 examination module, with study material in planning | CGISA | NQF 6 | Coming soon |
| WEM7 | Work Experience Module (Governance Practitioner)Portfolio-of-evidence guidance for the nine NQF 7 work experience modules, from company registrations to soft skills | CGISA | NQF 7 | Coming soon |
| WEM8-CS | Work Experience Module (Company Secretary)Portfolio-of-evidence guidance for the eight NQF 8 Company Secretary work experience modules, from CIPC filings to board meeting documentation | CGISA | NQF 8 | Coming soon |
| WEM8-GP | Work Experience Module (Governance Professional)Portfolio-of-evidence guidance for the seven NQF 8 Governance Professional work experience modules, from board advice to procurement policy | CGISA | NQF 8 | Coming soon |
| AFR8 | Auditing for RiskDistinction Series study material | MANCOSA | PGDip | Available |
| CGER8 | Corporate Governance, Ethics and RiskModel answers on Eskom, VBS Mutual Bank, KPMG SA, Lehman Brothers and other case sets | MANCOSA | PGDip | Available |
| CRM8 | Corporate Risk ManagementAssessment model answers across multiple paper sets | MANCOSA | PGDip | Available |
| IRM8 | Introduction to Risk ManagementSamsung Note 7 and MediCare Health Group model answers, MANCOSA Harvard referenced | MANCOSA | PGDip | Available |
| PCRM8 | Project Communication and Risk ManagementTwelve worked assessments and four of five unit notes; leads on King V with King IV as the bridge | MANCOSA | PGDip | Available |
| RM8 | Risk ModellingModel-answer documents across the assessment set | MANCOSA | PGDip | Available |
| RMFM8 | Risk Management Framework and MeasuringAssignments and case-study model answers | MANCOSA | PGDip | Available |
| RESM8 | Research Methodology (Cybersecurity)Fifteen-credit module in the Postgraduate Diploma in Cybersecurity | MANCOSA | NQF 8 | In build |
| WAS8 | Web Application SecurityPostgraduate Diploma in Cybersecurity | MANCOSA | NQF 8 | In build |
| SFM | Strategic Financial ManagementRatio analysis, agency theory, capital budgeting and CAPM worked in full | Regenesys | MBA | Available |
| SHRM | Strategic Human Resource ManagementFull model essay on the Orion Tech Solutions AI-transformation case, referenced to the Regenesys spec | Regenesys | MBA | Available |
| CCMM521 | Information ManagementEnterprise digital-transformation consulting report on FirstRand, with the five required diagrams | PGDip Management | PGDip | Available |
| MKTM526 | Marketing ManagementTalk-show assignment on customer-service failure in South African retail banking | PGDip Management | PGDip | Available |
The materials
What arrives when you order a module
Every deliverable ships in three formats — Markdown, Word and PDF — on one page treatment identical across every module and institution.
The notes
One part per learning unit, in six numbered sections: how it is examined, the conventions, the ground, the answer shapes, what loses the marks, and a self-test.
The packs
One pack per sitting, built to the structure that paper itself prints. A set question is never parted from the answer beneath it.
The revision reference
The module compressed to what survives the last fortnight, weighted by the same frequency evidence that built the notes.
The formula sheet
Every formula with a symbol table defining each term, and the technique for deploying it — indispensable where the venue supplies nothing.
On academic integrity
Our material is written to be studied from. Model answers exist so a student can see what a full-mark response looks like and learn to build one — they are not submission copy, and we do not write or submit assessments on a student's behalf. Every institution we serve requires original work, and so do we. This is the line that separates us from the assignment-writing services advertising alongside us, and we would rather lose the sale than cross it.
Get in touch
Tell us your module
Send the module code and your sitting. We reply with exactly what exists for it today, a free extract from that module, and what it costs.
Students
Name your module code and sitting. You get a free extract from your own module — not a generic brochure — before any payment.
Free extract
A full worked example and a note extract from the module you are sitting, sent the same week you ask.
Employers and professional bodies
In-house governance, risk and internal-audit training, and bulk licensing for staff in part-time postgraduate study.