Build Up


BUILD UP aims to transfer financial knowledge and skills relevant to the day-to-day lives of co-operative members and to influence a positive change in attitude and financial behaviour in the long term.

BUILD UP was initially rolled out as a pilot programme for the Western Cape Secondary Housing Co-operative, a member of the SACHA (South African Tertiary Housing Co-operative), in 2019, and was so successful that it will be extended to other co-operatives in South Africa


During a once-off, face-to-face, six-hour workshop, the following themes are covered:

  • Principles of a basic personal budget
  • Debt management: understanding interest, informal credit, pay-day loans, negotiating with creditors, and garnishee orders
  • Saving for emergencies, saving goals and compound interest
  • Saving vehicles and insurance – risk mitigation for future risks
  • Rights and recourse

The workshop is followed up with auxiliary communication channels like SMS communication to reinforce learning, wellness days with other consumer education bodies, etc.

For Six-Hour Workshops :

Themes Topics
  • Principles and development of a basic personal budget
Debt management
  • Understanding interest
  • Informal credit
  • Pay-day loans
  • Credit bureaus and reporting
  • Garnishee orders
  • How to negotiate with creditors
Planning with money
  • Saving for emergencies
  • Saving for a goal
  • Compound interest
Saving and insurance vehicles and tools
  • The importance of saving for your goals and protecting your future
  • Risk and how to mitigate against risk goals
Rights and recourse
  • How to identify scams like pyramid and Ponzi schemes
  • Channels for recourse in case of complaints or unfair treatment