Krutham
@krutham.bsky.social
Krutham is a leading think tank and consulting firm focused on developing financial systems to better achieve social goals.
Impact investing continues to grow across Africa. The Africa Impact Investment Awards recognise achievements that support social and environmental outcomes alongside financial returns.
Nominations are open.
Enter at: kaiia.krutham.com/entering-the-awards/
Nominations are open.
Enter at: kaiia.krutham.com/entering-the-awards/
December 22, 2025 at 7:00 AM
Impact investing continues to grow across Africa. The Africa Impact Investment Awards recognise achievements that support social and environmental outcomes alongside financial returns.
Nominations are open.
Enter at: kaiia.krutham.com/entering-the-awards/
Nominations are open.
Enter at: kaiia.krutham.com/entering-the-awards/
The Africa Impact Investment Awards recognise organisations and individuals advancing impact investing in Africa.
Nominations for 2026 are open.
Submit at: kaiia.krutham.com/entering-the-awards/
Nominations for 2026 are open.
Submit at: kaiia.krutham.com/entering-the-awards/
December 17, 2025 at 7:00 AM
The Africa Impact Investment Awards recognise organisations and individuals advancing impact investing in Africa.
Nominations for 2026 are open.
Submit at: kaiia.krutham.com/entering-the-awards/
Nominations for 2026 are open.
Submit at: kaiia.krutham.com/entering-the-awards/
Nominations for the 2026 Africa Impact Investment Awards are open.
Categories include:
Financial Structure
Impact Enterprise
Impact Fund
Impact Funder
Impact Intermediary
Impact Trailblazer
Enter at: kaiia.krutham.com/entering-the-awards/
Categories include:
Financial Structure
Impact Enterprise
Impact Fund
Impact Funder
Impact Intermediary
Impact Trailblazer
Enter at: kaiia.krutham.com/entering-the-awards/
December 11, 2025 at 12:01 PM
Nominations for the 2026 Africa Impact Investment Awards are open.
Categories include:
Financial Structure
Impact Enterprise
Impact Fund
Impact Funder
Impact Intermediary
Impact Trailblazer
Enter at: kaiia.krutham.com/entering-the-awards/
Categories include:
Financial Structure
Impact Enterprise
Impact Fund
Impact Funder
Impact Intermediary
Impact Trailblazer
Enter at: kaiia.krutham.com/entering-the-awards/
The US might well be lower in the pecking order for the next year as people get on and work around it, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-the-madness-of-importing-water-and-divining-the-future/
PETER ATTARD MONTALTO: The madness of importing water, and divining the future
It’s that time of year when columnists make profoundly deep and meaningful predictions after gazing into the crystal ball. But first, a radical detour.
www.krutham.com
December 11, 2025 at 11:30 AM
The US might well be lower in the pecking order for the next year as people get on and work around it, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-the-madness-of-importing-water-and-divining-the-future/
The other upside surprise booster for growth might well be the ANC’s fall in Johannesburg, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-the-madness-of-importing-water-and-divining-the-future/
PETER ATTARD MONTALTO: The madness of importing water, and divining the future
It’s that time of year when columnists make profoundly deep and meaningful predictions after gazing into the crystal ball. But first, a radical detour.
www.krutham.com
December 11, 2025 at 11:00 AM
The other upside surprise booster for growth might well be the ANC’s fall in Johannesburg, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-the-madness-of-importing-water-and-divining-the-future/
How many times in the new year will the ANC double down on its chosen industrial policy interventions, particularly in ferrochrome and smelting? writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-the-madness-of-importing-water-and-divining-the-future/
PETER ATTARD MONTALTO: The madness of importing water, and divining the future
It’s that time of year when columnists make profoundly deep and meaningful predictions after gazing into the crystal ball. But first, a radical detour.
www.krutham.com
December 11, 2025 at 10:30 AM
How many times in the new year will the ANC double down on its chosen industrial policy interventions, particularly in ferrochrome and smelting? writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-the-madness-of-importing-water-and-divining-the-future/
2026 is set to be the year in which we are likely to see real rates across the yield curve fall, which should, in theory, have a larger impact on growth, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-the-madness-of-importing-water-and-divining-the-future/
PETER ATTARD MONTALTO: The madness of importing water, and divining the future
It’s that time of year when columnists make profoundly deep and meaningful predictions after gazing into the crystal ball. But first, a radical detour.
www.krutham.com
December 11, 2025 at 10:01 AM
2026 is set to be the year in which we are likely to see real rates across the yield curve fall, which should, in theory, have a larger impact on growth, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-the-madness-of-importing-water-and-divining-the-future/
The big question hanging over 2026 is whether the next big steps on structural reform can be taken, as the bar keeps rising, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-the-madness-of-importing-water-and-divining-the-future/
PETER ATTARD MONTALTO: The madness of importing water, and divining the future
It’s that time of year when columnists make profoundly deep and meaningful predictions after gazing into the crystal ball. But first, a radical detour.
www.krutham.com
December 11, 2025 at 9:30 AM
The big question hanging over 2026 is whether the next big steps on structural reform can be taken, as the bar keeps rising, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-the-madness-of-importing-water-and-divining-the-future/
Nominations are now open for the Africa Impact Investment Awards 2026, sponsored by FirstRand and presented by Krutham.
Submit their nominations before 16 February 2025: kaiia.krutham.com/entering-the-awards/
#ImpactInvesting #AfricaImpactAwards #AIIA2026
Submit their nominations before 16 February 2025: kaiia.krutham.com/entering-the-awards/
#ImpactInvesting #AfricaImpactAwards #AIIA2026
December 9, 2025 at 2:55 PM
Nominations are now open for the Africa Impact Investment Awards 2026, sponsored by FirstRand and presented by Krutham.
Submit their nominations before 16 February 2025: kaiia.krutham.com/entering-the-awards/
#ImpactInvesting #AfricaImpactAwards #AIIA2026
Submit their nominations before 16 February 2025: kaiia.krutham.com/entering-the-awards/
#ImpactInvesting #AfricaImpactAwards #AIIA2026
Krutham’s senior researcher for market research, Thembi Baloyi, joined MyBroadband’s technology show, What’s Next with Aki Anastasiou, alongside Absa CIB representatives Rob Downes and Juanetta Furusa-Matelakengisa to discuss the Digital Assets Africa Insights 2025 Report.
December 8, 2025 at 11:00 AM
Krutham’s senior researcher for market research, Thembi Baloyi, joined MyBroadband’s technology show, What’s Next with Aki Anastasiou, alongside Absa CIB representatives Rob Downes and Juanetta Furusa-Matelakengisa to discuss the Digital Assets Africa Insights 2025 Report.
The benchmark is back.
The FM Top Analyst Awards return in 2026 through a partnership between the JSE, Financial Mail South Africa, EquityRT and Krutham.
Learn more: krutham.com/media/were-excited-to-announce-the-return-of-the-fm-top-analyst-awards
The FM Top Analyst Awards return in 2026 through a partnership between the JSE, Financial Mail South Africa, EquityRT and Krutham.
Learn more: krutham.com/media/were-excited-to-announce-the-return-of-the-fm-top-analyst-awards
December 5, 2025 at 8:32 AM
The benchmark is back.
The FM Top Analyst Awards return in 2026 through a partnership between the JSE, Financial Mail South Africa, EquityRT and Krutham.
Learn more: krutham.com/media/were-excited-to-announce-the-return-of-the-fm-top-analyst-awards
The FM Top Analyst Awards return in 2026 through a partnership between the JSE, Financial Mail South Africa, EquityRT and Krutham.
Learn more: krutham.com/media/were-excited-to-announce-the-return-of-the-fm-top-analyst-awards
Why has public sector investment capacity deteriorated so dramatically and how can it be rebuilt? Asks Stuart Theobald in Business Day. Read more at www.krutham.com/insights/stuart-theobald-investment-strike-narrative-debunked-companies-align-with-profits/.
December 4, 2025 at 12:01 PM
Why has public sector investment capacity deteriorated so dramatically and how can it be rebuilt? Asks Stuart Theobald in Business Day. Read more at www.krutham.com/insights/stuart-theobald-investment-strike-narrative-debunked-companies-align-with-profits/.
If the government wants higher overall investment, it has two levers: invest more itself, particularly in infrastructure that enables private sector activity; or create conditions that make private investment more attractive, writes Stuart Theobald.
December 4, 2025 at 11:30 AM
If the government wants higher overall investment, it has two levers: invest more itself, particularly in infrastructure that enables private sector activity; or create conditions that make private investment more attractive, writes Stuart Theobald.
Reserve Bank data show cash held by nonfinancial corporations has grown from R1tn in 2021 to R1.5-tn now, a 50% increase in four years, writes Stuart Theobald in this week’s Business Day column.
December 4, 2025 at 11:00 AM
Reserve Bank data show cash held by nonfinancial corporations has grown from R1tn in 2021 to R1.5-tn now, a 50% increase in four years, writes Stuart Theobald in this week’s Business Day column.
Companies aren’t hoarding disproportionately; they’re simply larger than they were four years ago, writes Stuart Theobald in this week’s Business Day column. Read more at www.krutham.com/insights/stuart-theobald-investment-strike-narrative-debunked-companies-align-with-profits/.
December 4, 2025 at 10:30 AM
Companies aren’t hoarding disproportionately; they’re simply larger than they were four years ago, writes Stuart Theobald in this week’s Business Day column. Read more at www.krutham.com/insights/stuart-theobald-investment-strike-narrative-debunked-companies-align-with-profits/.
Are South African companies on an investment strike? It’s a narrative some like to spread, declaring that corporate South Africa is acting against the country’s best interests, writes Stuart Theobald.
December 4, 2025 at 10:00 AM
Are South African companies on an investment strike? It’s a narrative some like to spread, declaring that corporate South Africa is acting against the country’s best interests, writes Stuart Theobald.
We’re hiring!
Krutham is looking for a senior leader to head our ESG advisory practice, guiding how investors, banks and corporations integrate ESG into strategy and decision-making.
Apply now: www.krutham.com/join-us
Applications close 12 December 2025
Krutham is looking for a senior leader to head our ESG advisory practice, guiding how investors, banks and corporations integrate ESG into strategy and decision-making.
Apply now: www.krutham.com/join-us
Applications close 12 December 2025
December 2, 2025 at 4:59 PM
We’re hiring!
Krutham is looking for a senior leader to head our ESG advisory practice, guiding how investors, banks and corporations integrate ESG into strategy and decision-making.
Apply now: www.krutham.com/join-us
Applications close 12 December 2025
Krutham is looking for a senior leader to head our ESG advisory practice, guiding how investors, banks and corporations integrate ESG into strategy and decision-making.
Apply now: www.krutham.com/join-us
Applications close 12 December 2025
Krutham principal for impact investing Justin Prozesky joined the B-BBEE policy panel at the ABSIP Financial Services Symposium 2025. The discussion focused on South Africa’s transformation trajectory after 30 years of B-BBEE and the work still required to build a more inclusive economy.
December 2, 2025 at 9:40 AM
Krutham principal for impact investing Justin Prozesky joined the B-BBEE policy panel at the ABSIP Financial Services Symposium 2025. The discussion focused on South Africa’s transformation trajectory after 30 years of B-BBEE and the work still required to build a more inclusive economy.
Absa CIB’s Digital Assets Africa Insights 2025 report shows how consumers across five key markets understand and engage with digital assets. Krutham served as the research partner, providing an independent assessment of consumer views.
Africa Digital Assets Report 2025 - Absa | Corporate and Investment Banking
The future of digital assets will be built on trust. Across Africa, digital assets are accelerating from speculative hype to real institutional utility. But while the demand is rising, confidence has not yet caught up.
cib.absa.africa
November 28, 2025 at 3:30 PM
Absa CIB’s Digital Assets Africa Insights 2025 report shows how consumers across five key markets understand and engage with digital assets. Krutham served as the research partner, providing an independent assessment of consumer views.
The MTBPS ultimately showed what can be done once the cabinet takes a simple, high-level decision that macro-sustainability must come before splurges writes Peter Attard Montalto.
PETER ATTARD MONTALTO: Sure, the vibe is suddenly buoyant, but let’s not get ahead of ourselves
What now? We have a lower inflation target, a reduction in local bond issuance, a re-affirmation of a primary surplus pathway, the start of spending
www.krutham.com
November 27, 2025 at 12:30 PM
The MTBPS ultimately showed what can be done once the cabinet takes a simple, high-level decision that macro-sustainability must come before splurges writes Peter Attard Montalto.
The exit from the grey list now does not remove the (meaningful, even if not baseline) risks of being back on it in 2028, as the bar keeps rising, writes Peter Attard Montalto. Read more: krutham.com/insights/peter-attard-montalto-sure-the-vibe-is-suddenly-buoyant-but-lets-not-get-ahead-of-ourselves
PETER ATTARD MONTALTO: Sure, the vibe is suddenly buoyant, but let’s not get ahead of ourselves
What now? We have a lower inflation target, a reduction in local bond issuance, a re-affirmation of a primary surplus pathway, the start of spending
www.krutham.com
November 27, 2025 at 12:01 PM
The exit from the grey list now does not remove the (meaningful, even if not baseline) risks of being back on it in 2028, as the bar keeps rising, writes Peter Attard Montalto. Read more: krutham.com/insights/peter-attard-montalto-sure-the-vibe-is-suddenly-buoyant-but-lets-not-get-ahead-of-ourselves
The suddenness of the inflation target change breeds conspiracy theories writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-sure-the-vibe-is-suddenly-buoyant-but-lets-not-get-ahead-of-ourselves/
PETER ATTARD MONTALTO: Sure, the vibe is suddenly buoyant, but let’s not get ahead of ourselves
What now? We have a lower inflation target, a reduction in local bond issuance, a re-affirmation of a primary surplus pathway, the start of spending
www.krutham.com
November 27, 2025 at 11:30 AM
The suddenness of the inflation target change breeds conspiracy theories writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-sure-the-vibe-is-suddenly-buoyant-but-lets-not-get-ahead-of-ourselves/
A question that arises is obviously that if things can be done when such a moment arises, why aren’t they normally possible, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-sure-the-vibe-is-suddenly-buoyant-but-lets-not-get-ahead-of-ourselves/
PETER ATTARD MONTALTO: Sure, the vibe is suddenly buoyant, but let’s not get ahead of ourselves
What now? We have a lower inflation target, a reduction in local bond issuance, a re-affirmation of a primary surplus pathway, the start of spending
www.krutham.com
November 27, 2025 at 11:01 AM
A question that arises is obviously that if things can be done when such a moment arises, why aren’t they normally possible, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-sure-the-vibe-is-suddenly-buoyant-but-lets-not-get-ahead-of-ourselves/
The mood of locals in the week since the MTBPS and then at the G20 and B20 was buoyant and unlike anything I’ve seen in recent times, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-sure-the-vibe-is-suddenly-buoyant-but-lets-not-get-ahead-of-ourselves/
PETER ATTARD MONTALTO: Sure, the vibe is suddenly buoyant, but let’s not get ahead of ourselves
What now? We have a lower inflation target, a reduction in local bond issuance, a re-affirmation of a primary surplus pathway, the start of spending
www.krutham.com
November 27, 2025 at 10:45 AM
The mood of locals in the week since the MTBPS and then at the G20 and B20 was buoyant and unlike anything I’ve seen in recent times, writes Peter Attard Montalto. Read more at www.krutham.com/insights/peter-attard-montalto-sure-the-vibe-is-suddenly-buoyant-but-lets-not-get-ahead-of-ourselves/
The Financial Times examines the implications of the US absence from the G20 summit and features commentary from Krutham MD Peter Attard Montalto on the response of member countries.
Subscribe to read the full article here: https://on.ft.com/44t1cTv
Subscribe to read the full article here: https://on.ft.com/44t1cTv
G20 defies Trump as leaders press on without US
Agreements at G20 and COP30 show how America’s absence has not demoralised world leaders
on.ft.com
November 25, 2025 at 3:45 PM
The Financial Times examines the implications of the US absence from the G20 summit and features commentary from Krutham MD Peter Attard Montalto on the response of member countries.
Subscribe to read the full article here: https://on.ft.com/44t1cTv
Subscribe to read the full article here: https://on.ft.com/44t1cTv