Stories
In partnership with Avo Vision and Hollard I successfully reached out local SMME's for the businesses for sho training programme in procedure of managing their business better. Kabokweni SMME's gather at Nkohlakalo community hall under the super vision of Reinah Seepsop and they were successful trained. - Sandra Phiri 36 years old residing in a deep rural area called Spelanyana she call herself a 'hustler' because of the multiple of businesses activities does including: buy and sale, growing things, making thing. She said: "I started business after grade 12 due to lack of job opportunity I thought what I can do to give myself a job. I look around my community what is not provided and its a need and people want it, thought of kitchen fast food saling chips kota, Achaar, feet cook and kota. Today I learn a lot in this BSF training program about managing my businesses better and safety including: businesses budgeting for monthly expences, savings , income statement, monthly income, monthly expenses , compliance, etc. Some of the terms we were familiar with, but didn't understand their meaning now I do after this train"
I fruitfully upskilled local communities and organizations about financial life skills in partnership with Avo Vision and Coronation: sessions including money for sho and money modules. What I perceived many participants struggle with skills to manage their finances. Mphake youth gathered during Easter holidays for upskilling in module 2 and 6. - Siphetho Msibi 20 years old said 'I wish this programme can be part of school syllabus so that we being raised knowing the basics of financial management's. How economy works session was one of my interesting part, because it given us better clarity in terms of savings and investing functions. Types of savings and investments methods where shared including how it goes about capital reserve to interest income ."
I fruitfully upskilled local communities and organizations about financial life skills in partnership with Avo Vision and Coronation: sessions including money for sho and money modules. What I perceived many participants struggle with skills to manage their finances. Mphake youth gathered during Easter holidays for upskilling in module 2 and 6. - Siphetho Msibi 20 years old said 'I wish this programme can be part of school syllabus so that we being raised knowing the basics of financial management's. How economy works session was one of my interesting part, because it given us better clarity in terms of savings and investing functions. Types of savings and investments methods where shared including how it goes about capital reserve to interest income ."
I fruitfully upskilled local communities and organizations about financial life skills in partnership with Avo Vision and Coronation: sessions including money for sho and money modules. What I perceived many participants struggle with skills to manage their finances. Mphake youth gathered during Easter holidays for upskilling in module 2 and 6. - Siphetho Msibi 20 years old said 'I wish this programme can be part of school syllabus so that we being raised knowing the basics of financial management's. How economy works session was one of my interesting part, because it given us better clarity in terms of savings and investing functions. Types of savings and investments methods where shared including how it goes about capital reserve to interest income ."
On the 22nd of March 2026 I trained the community of Eplazini in Scottburgh on Coronation's Money For Sho. They couldn't find a training venue,but one of the participants allowed us to use her garage to conduct the session. They came in numbers which surprised me since it was on Sunday. I loved the warm welcome and the high level of participation. The impact of the training was noted when they asked many questions, which shows that they are hungry for knowledge. When we were doing the different types of insurances Snegugu Dlamini (picture attached) suggested that we also need marriage insurance which can serve as a compensation incase the divorce happen and especially if one or both parties do not have any pension or retirement annuity. The participants shared different types of scams, which I always encourage to ensure that we are always vigilant and always a step ahead of the fraudsters. During the certification the excitement was amazing, they asked for individual photos as they accepted their certificates with so much pride. I'm planning to return to this community with more sessions.
During the month of March, I had the honour of conducting training sessions for Small, Medium, and Micro Enterprises (SMMEs) in Thaba Nchu and Botshabelo. The purpose of these sessions was to equip local entrepreneurs with essential financial management skills to improve the sustainability and growth of their businesses. Many small business owners in these areas are actively operating businesses but face challenges due to limited financial knowledge. A common concern expressed by participants was a lack of basic financial management skills, which has contributed to poor operational decisions and low business turnover. The BFS training aimed to improve financial literacy among SMME owners, strengthen business management practices, enhance decision-making through proper financial understanding and also emphasising the importance of accurate and consistent tracking of income and expenses. The training sessions in Thaba Nchu and Botshabelo were successful in addressing key financial management gaps among SMMEs. By equipping entrepreneurs with practical tools and knowledge, the programme contributed to strengthening local businesses and promoting long-term economic sustainability.
On the 11th of March 2026 i had a Money Fo Sho class with Cosmo City Community. It was great to see the excitement of the paricipants. they came in numbers and really participate during the session. most of them found the topics covered really an eye opening. some had many funeral insurance and some under the same underwriter so they where happy to learn that they have to look at it so they may not loose some benefits . another point that stood out is having a realistic budget as it can help them avoid debts and also help them save. overall they were looking forward to making some changes when it comes to their financies.
IMPACT STORY Coronation Financial Literacy Programme Coronation Money “fo” Sho & Coronation Money Modulars March – April 2026 | Northern Cape, Kimberley & Warrenton Financial literacy remains one of the most powerful instruments of economic empowerment available to communities across South Africa. For young people and working adults alike, an understanding of money management, saving, credit, taxation, and retirement planning can mean the difference between financial vulnerability and lasting financial dignity. In March and early April 2026, Avocado Vision, delivered the Coronation Financial Literacy Programme across three distinct communities and organisations.All sessions were facilitated by Mr Ishmael Hangula, a multilingual trainer and facilitator with deep roots in community development, financial literacy training, and community education across the Northern Cape region. Afri-Motion Youth Centre, Warrenton – 11 & 13 March 2026 Avocado Vision was invited by Afri-Motion Youth Centre — a registered NPO operating in Warrenton in the Frances Baard District Municipality — to deliver the Coronation Money “fo” Sho programme to a group of young people from the surrounding community. The following topics were covered across the two-day engagement: ● Managing My Money ● Managing Risk ● Banks and Saving ● Managing Credit SACCAWU Union, Kimberley – 20 March 2026 The South African Commercial, Catering and Allied Workers Union (SACCAWU) in Kimberley invited Avocado Vision to equip their Northern Cape Shop-Stewards with essential financial literacy skills. The same four core topics from the Money “fo” Sho curriculum were delivered, specifically contextualised for a unionised workforce audience. Roodepan Service Centre, Kimberley – 30 March to 1 April 2026 Roodepan Service Centre hosted a three-day intensive engagement for youth who are about to embark on an agricultural learnership programme and who are expected to receive funding to establish their own business ventures. Across all three engagements, the Coronation Financial Literacy Programme demonstrated a meaningful and measurable impact on participants at different life stages — from community youth navigating their first steps toward financial independence, to union shop stewards responsible for the welfare of workers, to aspiring agri-entrepreneurs preparing to manage business funds. Participants across all three sites entered the programme with varying and in many cases limited exposure to formal financial concepts. By the end of each engagement, attendees demonstrated a tangible shift in both awareness and confidence. Concepts such as budgeting, the difference between saving and investing, the mechanics of credit, and the implications of the Two-Pot retirement system were made accessible through practical, relatable examples drawn from everyday South African life. The youth at Roodepan Service Centre occupy a particularly significant position, they are on the cusp of receiving funding to start their own agricultural business ventures and will shortly begin a formal learnership programme. The six Money Modulars delivered over three days were therefore not merely informative — they were directly applicable to the financial decisions these young entrepreneurs will face in the immediate future. Understanding how to manage a budget, distinguish between saving and investment options, plan for retirement from the outset of a business career, navigate tax obligations as self-employed individuals, pass sound financial habits on to their children, and make informed decisions about major purchases will provide these learners with a competitive foundation as they enter the business world. Perhaps one of the most heartening outcomes of the programme emerged from Warrenton. Afri-Motion Youth Centre had been struggling to sustain its activities and was on the verge of closing its doors. The partnership with Avocado Vision for the delivery of the Coronation Money “fo” Sho sessions had a galvanising effect on the organisation’s leadership and officials. The engagement reinvigorated the team’s sense of purpose and commitment, motivating them to push forward, plan further activities, and continue serving the youth of their community.“The training gave us a renewed sense of hope. We had almost given up, but seeing how our youth engaged with the financial literacy content reminded us why we started this centre in the first place. We are now planning more activities and will not be closing our doors.” — Official, Afri-Motion Youth Centre, Warrenton For the SACCAWU shop stewards in Kimberley, the programme addressed a critical gap in their financial knowledge — knowledge that they can now channel into supporting the workers they represent. Shop stewards are often the first point of contact when a worker faces financial distress, overspending, or debt challenges. Equipping them with practical knowledge about budgeting, risk management, banking, and credit translates into multiplied impact, as each steward becomes an informal advocate for financial wellness within their workplace. Feedback gathered during and after the sessions consistently reflected appreciation for the practical, plain-language delivery approach adopted by Mr Hangula, who facilitated all sessions in multiple South African languages to ensure no participant was left behind. “I never understood the difference between a pension and a retirement annuity until today. Now I know exactly what questions to ask my employer and what to do with the Two-Pot system.” — Participant, Roodepan Service Centre “The budgeting module opened my eyes. I thought I was managing my money well, but I found money I didn’t even know I was wasting. I am going to start my savings plan this month.” — Participant, Roodepan Service Centre “As a shop steward, I deal with workers who are under financial pressure all the time. This training gave me the tools and the language to actually help them. I feel much more prepared.” — SACCAWU Shop Steward, Kimberley “The way the facilitator explained everything in our language made such a difference. Nothing felt too complicated. I now want to teach my children what I learned here.” — Youth Participant, Afri-Motion Youth Centre, Warrenton The Coronation Financial Literacy Programme is designed not merely as a once-off training event, but as a catalyst for lasting behavioural change. Evidence from participant engagements and follow-up conversations suggests several concrete ways in which the sessions are already making a difference: Several participants from Roodepan and Warrenton indicated they had begun or planned to begin tracking their income and expenses using the budgeting templates introduced during the sessions. The distinction between short-term saving and long-term investing motivated a number of participants to open dedicated savings accounts or reconsider dormant policies. Participants also demonstrated a stronger understanding of how credit works, the implications of defaulting, and the role of credit bureaus — critical knowledge for those about to access business funding. Youth in Roodepan, many of whom will soon be self-employed, gained introductory knowledge of how tax obligations apply to small business owners — reducing the risk of non-compliance and associated penalties. The sessions on the Two-Pot System and retirement annuities were particularly valued by SACCAWU shop stewards and Roodepan learners, many of whom had never previously engaged with retirement planning concepts. The module on teaching children about money resonated deeply, with participants expressing an intent to introduce age-appropriate financial lessons within their own households — extending the reach of the programme beyond the training room. At Afri-Motion Youth Centre, the partnership has directly contributed to the centre’s decision to continue operations and expand its programme of activities for youth in the Warrenton area. From youth on the threshold of entrepreneurship in Roodepan, to union shop stewards advocating for workers in Kimberley, to a community centre in Warrenton that has rediscovered its purpose, the programme has touched lives in tangible and lasting ways. The Coronation Money “fo” Sho and Coronation Money Modulars platforms have proven to be effective vehicles for financial empowerment, accessible, practical, and deeply relevant to the realities faced by participants across the Northern Cape. The participants are very grateful to Avocado Vision.
