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. 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.
Ready for bigger money goals?
Try the Certificate in Money Management
He aha tāu ka whiwhi?
Skills you'll leave with
You’ll explore your own financial behaviours and attitudes, learn how to budget and save, and make informed choices around spending and borrowing.
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
Don't have a qualification higher than Level 1
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
Pitopito kōrero o te wā
Latest News
Turning a passion for rongoā into community healing
Rongoā Māori has always been part of Patricia Tangira-Falwasser's life, but it was her studies at Te Wānanga o Aotearoa that deepened her knowledge and inspired her to start a business that now serves her wider community.
Te Wānanga o Aotearoa kaimahi claims gold at Waka Ama World Championship
Ken Henry (Te Whakatōhea, Waikato-Tainui) is a Tauira Support Advisor at Te Wānanga o Aotearoa Whakatāne campus who took home gold at the Waka Ama World Championships in Singapore in August.
A passion for taonga Māori takes Chanel to Oxford
What started as a desire to strengthen her reo Māori has taken Chanel Coromandel (Ngāti Raukawa, Ngāti Hine, Ngāti Apakura, Ngāti Whanaunga) on an unexpected path, leading to an opportunity to contribute to the care and preservation of taonga Māori at the Pitt Rivers Museum in Oxford, England.
Reconnecting to te ao Māori through raranga
Haylee Roussel (Ngāti Rārua, Rangitāne, Ngāti Maniapoto) was searching for a way to reconnect with te ao Māori when she enrolled in the Certificate in Māori and Indigenous Art, Raranga, at the Waiwhero campus of Te Wānanga o Aotearoa.
A journey shaped by whānau and a love of tamariki
Members of Tayla-Marie Takawe’s (Ngāti Awa, Ngāti Maniapoto) whānau were among the first tauira to graduate from the Bachelor of Education (Primary Teaching) at Te Wānanga o Aotearoa.
Finding a deeper sense of self through te ao Māori
Moving to Aotearoa from rural Australia as a teenager, Lily Warring found herself wanting to learn more about the culture and language of the place she now called home.
Creating the spark for business success
With plenty of experience as an electrician, Josh Verstraten was ready to branch out from employee to business owner, but he knew running a successful business would require a new set of skills.
From financial stress to financial freedom for Auckland whānau
For Augustine Kopa, studying the Certificate in Money Management at Te Wānanga o Aotearoa was about creating a better future for her whānau.
Two generations, one reo Māori journey
When Melody Francis (Ngāti Kahungunu) saw the positive impact that studying te reo Māori had on her mum, she decided to jump on the waka and begin the journey alongside her.
Tikanga study boosts whānau presence on marae
Patrick and Donna Tobin (Ngāti Kahu) are a brother-and-sister duo studying tikanga alongside their wider whānau at Te Paatu Marae in Kaitaia, all working towards the betterment of their whānau, iwi, and marae.
