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Itai Gift's avatar

Thanks Tinashe for the great analysis and commentary as usual. Edgars results are not bad given they are recovering. The higher selling cost speaks of an ambition that needs re-alignment in terms of who their customers are, channels and platforms they are found. Also they have to make a decision, in my view, if they are pushing credit (microfin) or a clothing experience, from there determine whom a typical Edgars persona is like right to the pocket.

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Graeme and Veldra's avatar

Greetings Tinashe

Being somewhat older and South African we draw your attention to some interesting facts about the history of Edgars in South Africa where it originated in 1929 as a family owned business (the Preiss family) and started with just one store!

Refer to: https://nimblegroup.co.za/the-edgars-group-from-rags-to-riches-and-back-again/

A significant factor in the growth of Edgars was its decision to allow purchases of clothing on credit.

Another major innovation in the 1980s was the creation of the Edgars Club Magazine.

This was actually Edgar's way to get around the SA legislation at the time which prevented the running of lotteries (and the scheme lost its attractiveness years later when the SA Government introduced a National Lottery). Essentially by subscribing for a monthly magazine (the fee for which was added to your account) for R 5 per month, you were entered into a "Club Member's Draw" to win a monthly prize of R 1million. No account-holders could resist the temptation. In fact people rushed to open accounts (which significantly bolstered not only sales but also revenue via the finance charges which Edgars now collected - their debtors book swelled enormously!).

What was even more interesting was that the Edgars Club magazine cost Edgars not a cent to produce or distribute. In fact they created another revenue stream for themselves : because the suppliers of the clothing and other merchandise sold by Edgars were required to pay for the adverts relating to their products (and other stories and information on them) featured in the magazine.

Talk about selling ice to Eskimos.......Edgars back then really did know a trick or two!!

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