Anja completed her MA (Economics) degree cum laude in 2004. Following eight years as economic consultant in micro-financial services (micro-insurance, micro-credit, financial education) for the poor, she returned to academic life in 2012. Anja is a full-time researcher at RESEP and enrolled for her PhD at the Department of Economics in 2013. Her PhD dissertation focuses on the provision of private health financing and services for lower income South Africans. Anja views good health systems, both financing and delivery, as a key pillar of a country’s development architecture. She remains a director of the Centre for Financial Regulation and Inclusion (Cenfri).