means--
| a) | any person who is granting or has granted a loan of a sum of money to a prospective borrower or to a borrower in terms of a money lending transaction; |
| b) | any person to whom, whether by delegation, cession or otherwise, the rights or the rights and obligations of a moneylender in respect of a money lending transaction have passed; |
| c) | the holder of an instrument of debt executed in respect of a money lending transaction; |
| d) | any manager. |