Papa Whairawa
NZ Certificate in Personal Financial Capability
Tirohanga whānui
Get on top of your finances
Papa Whairawa helps you strengthen your understanding of money and develop practical financial skills for everyday life. You’ll explore your own financial behaviours and attitudes, learn how to budget and save, and make informed choices around spending and borrowing.
Throughout the programme, you’ll set personal goals, plan for the future, and gain confidence managing income, debt, and savings — all in a culturally grounded, supportive learning environment.
He aha tāu ka whiwhi?
Skills you'll leave with
Completing this programme means you’ll be able to:
Recognise your own financial habits and make informed financial choices
Manage personal income from different sources
Make smart spending decisions and understand the impact of debt
Use tools to protect and grow your personal assets and wealth
Mā te mahi ka ako
Learn by doing
You will get to:
Set financial goals
Explain banking services and financial advice
Analyse income and expenditure, debt and purchasing choices
Ngā ara e wātea ana
Where will this take me?
Pathway options
By the end, you'll be able to:
Keep studying
You can continue your learning journey with Mana Ora – New Zealand Certificate in Māori Business and Management (Level 3), or keep building your financial skills with Money Management - NZ Certificate in Personal Financial Capability (Level 3).
Use at work
You will be well-prepared for entry-level roles in office administration and can confidently step into positions such as accounts assistant or other financial support roles.
Community involvement
Share your financial knowledge to help support whānau or community financial wellbeing.
He meka
Quick facts
- Level 2 (Introductory)
- 60 Credits
- 36 Weeks
- NZ Certificate in Personal Financial Capability Level 2
- No fees
- NZQA Accredited
- Study at home
Paearu whakauru
Entry criteria
You can enrol if you:
Are 16 years or older
Are a NZ citizen or resident (includes Cook Islands, Niue, Tokelau) or Australian citizen/permanent resident
Currently reside in New Zealand
This programme is open to:
Anyone who doesn't have a qualification higher than Level 1
Some people with a higher qualification (please enquire)
Te wā
Time commitment
This programme is:
Full-time
60 credits
36 weeks long (no specified holiday breaks)
Home-based learning, with Kaitiaki support
Kōnae ako
Learning modules
Our study at home programmes have different start dates in each region, depending on current demand. Programmes fill quickly and your start date might be several months after you complete your enrolment. Once we receive your enrolment, we’ll send you a letter confirming your start date. Please make sure you have provided everything for a complete enrolment.
Ki hea, mō āhea hoki au ako ai?
Where and when can I learn?
Home-based learning
Kaupapa anamata
Upcoming Events
He Puāwaitanga Heretaunga 2026
Graduation Ceremony, Hastings
He Puāwaitanga Tāmaki Makaurau 23 March 2026
Graduation Ceremony, Auckland
He Puāwaitanga Tāmaki Makaurau 24 March 2026
Graduation Ceremony, Auckland
He Puāwaitanga Papaiōea 2026
Graduation Ceremony, Palmerston North
He Puāwaitanga Whangārei 2026
Graduation Ceremony, Whangārei
He Puāwaitanga Tainui 2026
Graduation Ceremony, Tainui
He Puāwaitanga Tauranga 2026
Graduation Ceremony, Tauranga
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