An innovative solution to promote creditworthiness. This programme will teach you how to improve your credit rating and your budget. You will gain practical knowledge on how credit scores are derived and specific strategies to improve disposable income and eliminating over indebtedness. We will teach you how to create positive credit and remove of negative entries on your credit reports to positively impact your financial opportunities. The goal is to educate individuals and organisation and share targeted resources for rapid affordability and credit improvement. This results in credit applications being approved to qualify for a home loan, car loan, furniture and more.
Financial wellbeing of employees is an increasing focal point within the corporate environment, with ~60% of employees under financial distress.
Negative impacts extend beyond an employees’ financial and emotional wellbeing, with a direct impact on employers (social responsibility with business
• Low staff morale leads to a lack of productivity and increased safety incidents: ~6% manufacturing production drop in 2018;
• Excessive absenteeism and sick leave: Cost to employers ~17% of payroll in each financial year;
• Salary advancement requests, unrealistic wage demands and striking: 1.95 million work days lost in wage negotiation strikes in 2018; and
• Increased staff turnover to access pension, provident and unemployed insurance funds:
Incremental human capital costs.
The programme educates approved home loans applicants about their financial obligations. The goal of this programme is risk mitigation as it promotes responsible financial behavior and attitudes that helps to minimize the risk of defaults by prioritizing bond repayments. We provide essential knowledge and skills in managing housing finances to make sure individuals do not default on their monthly bond payments.
This programme addresses the challenges within a sectional title environment. This course will provide legal and practical knowledge about living in a rental-housing environment. The emphasis of this course is on the Sectional Title, Contractual obligations and house rules (Rental Housing Act No. 50 of 1999 and Social Housing).
This course gives current home owners understanding of their rights, responsibilities, accountabilities, and contractual obligations including those of realtors. The workshop is designed to educate and assist in making informed decisions regarding housing. The goal of this course is to empower current home-owners with up-to-date information so that they do not fall into the debt trap. We promote ownership that is long and prosperous.
In this course we share practical tenure option available in the country. We expose potential home owners to the knowledge surrounding buying, building, renting, freehold, sectional title, and housing association. Our training programme assists first-time home buyers on making informed decisions and ultimately empowers them to achieve a better quality of life without falling into debt.