Since 2019 Fin-Uwezo has worked on one problem: the distance between the financial system and the people it is supposed to serve. We close it with conversation, private professional support, and a setting people actually want to be in. We sell no financial products.
The theory says a rational, well-informed consumer saves when income is high and draws down when it is low, calculating interest and discount rates along the way. Almost nobody has the information to behave that way, and the financial system keeps being designed as though everybody does.
Fin-Uwezo was built to close that gap. Not by teaching people to be the consumer the theory imagines, but by putting real people at the centre and bringing the system to them: the providers, the regulators, the recourse mechanisms, the professionals, and the plain-language explanation nobody ever gave them.
We treat financial literacy as a form of citizenship. You cannot participate fully in an economy you do not understand.
The pillars are sequential, not parallel. Talks opens the conversation. Lifestyle holds the tone. Expo puts the system within reach. Connect is where it becomes personal, and personal is where behaviour changes.
Moderated dialogue between people and the sector that serves them. A bank, a credit bureau, a regulator and an ombud taking unscripted questions in front of a room of consumers.
And speakers willing to talk honestly about their own money.Time alone with a professional who has nothing to sell. A financial adviser, an attorney, a debt counsellor, a therapist. No audience, no pitch, no judgement.
This is the pillar that became our Financial Wellness Clinics.Learning does not stick when people are stressed, distracted and being talked at. So we run in settings people want to be in, from a relaxed lifestyle event to a well-set-up room on a plant floor.
The tone does the work. It is why people open up.Providers, regulators, credit bureaus and ombud schemes meeting consumers directly. Not a marketing stand. A place where a person can ask an ombud a question and get an answer.
Reportable inclusion and consumer education data attached.It shows up as absenteeism. As shrinkage. As the loan application on the HR manager's desk. As the person who is at work but not really there.
of South African employees worry about money most of the time.
Wealthbit Employee Benefits Report, 2026lost per employee each year to sorting out personal finances during working hours.
Wealthbit Employee Benefits Report, 2026of take-home pay is what debt counselling applicants need just to service what they owe.
DebtBusters Debt Index, Q2 2026By the time an employee is servicing debt with a payday loan, or has a garnishee order against their salary, information is not what they need. They need a professional, in a room, for forty-five minutes.
We do not manufacture financial products. We do not earn commission. No employee walks out of a Fin-Uwezo consultation with a policy they did not ask for. People work this out in about ninety seconds, and it changes what they are willing to tell us.
Our clinics happen on your premises, on a day that suits your shift pattern. An attorney, a financial adviser, a debt counsellor and a counsellor, in private rooms, seeing employees one at a time.
Multiple sites. Night shift. Variable income. Mixed literacy. Employees who are not going to download an app. We have delivered across eight operational sites in a single engagement, built around shift rosters rather than against them.
Evaluation of our work sits in Moyomuhle Social Solutions, a separate company in the Yesekelo Group with its own clients and its own reputation. We deliver. They judge. You get evidence you can defend.
An on-site day of confidential one-on-one consultations with legal, financial, debt and psychosocial professionals. Up to 28 employees seen in a day.
Explore the clinics →Multi-session programmes for your workforce. Budgeting that survives a variable income. Debt behaviour. Emergency savings. Retirement preservation. Making sense of the benefits you already pay for.
See the programmes →The same model, adapted for enterprise owners, where personal and business finances are the same money. Delivered inside enterprise development and incubation programmes.
See the SMME offer →For banks, insurers, retirement funds and asset managers spending under GN500(A) and reporting under the FSCA Conduct Standard. Designed, delivered and reported to a standard that survives verification.
See the institutional offer →
In 2019 we set up a room at a public event where anyone could sit down privately with a financial adviser, a lawyer or a therapist. It was the part people talked about afterwards. The Financial Wellness Clinic is that idea built properly.
We arrive at 07:30 and set up private consultation rooms. A short group orientation so people know what is on offer. Then forty-five minute confidential sessions until half past three.
An attorney for the will, the divorce, the maintenance order. A financial adviser for the budget, the pension, the benefits nobody understood. A debt counsellor for the credit report, the garnishee order, the loan that is eating the salary. A counsellor for the part nobody says out loud.
Private rooms prepared and signposted. Nobody can see who is waiting for whom.
A short session on what each professional does. Employees choose their own slot.
Forty-five minutes, one employee, one professional, behind a closed door.
Not a pamphlet. A written action plan with specific next steps, and a referral where needed.
Plans and referrals issued. The coordinator collects de-identified summary notes only.
An anonymised report on the themes, what they suggest, and what to do next. No names.
Each professional works within their own registration and their own professional indemnity cover. Fin-Uwezo coordinates the day. We do not give the advice, and we do not sell anything.
Drafting and reviewing wills. Divorce and separation guidance. Maintenance orders. Legal rights around debt and sequestration.
Budgeting and cash flow planning. Retirement and pension fund guidance. Investment basics. A proper look at the benefits you already provide.
Credit report review, explained line by line. Debt review eligibility. Bringing down high-interest debt. Garnishee and emolument attachment orders.
Financial stress and anxiety. The psychosocial weight of debt. Spending patterns and what drives them. Referral pathways for intensive support.
Your consultation is private. Your employer is not told that you attended, what you discussed, what you owe, who you owe it to, or what was recommended. You will not be sold a financial product. Your action plan belongs to you.
You receive an anonymised, aggregated report: which themes came up, how often, and what they suggest about the pressure your workforce is under. No names. No individual circumstances. Nothing from which a person can be identified.
Every employee gives written informed consent before a consultation begins. Every professional is bound by their own professional body's confidentiality obligations and by their contract with us. Only de-identified summary notes leave the site.
Pricing depends on your site, your location and the number of clinic days. Travel is quoted separately, and where sites are close together we combine them into one trip to bring the cost down.
Most providers stop at the first step and call it a programme. The third step is the one that changes anything.
People learn how money actually works, in their language, using their real numbers.
Tools they can use alone. Budgets that survive a variable income. Free, low-data apps.
When the problem is bigger than a workshop, a professional sees them privately.
Habits hold, debt comes down, savings start, and you can see it in the reporting.
Every engagement can be measured against a baseline, tracked through delivery, and evaluated at the end by Moyomuhle Social Solutions, an independent research and evaluation company with a track record across national government, financial services and the non-profit sector.
You get participation and reach data, anonymised thematic reporting from clinics, outcome measurement where the engagement supports it, and reporting built for the standard you actually have to satisfy.
How we measure →Illustrative example of Fin-Uwezo clinic reporting. Percentage of consultations in which a theme was raised. No individual is identifiable in clinic reporting.
A first conversation takes thirty minutes. We will tell you honestly whether a clinic, a programme, or nothing at all is the right starting point for your workforce.
Tell us about your workforce and we will come back to you with a straight answer, not a proposal you did not ask for.