Workplace Programmes
Help your team worry less about money and focus more at work. We design and run end-to-end workplace financial wellness programmes for South African employers, tailored to your industry, workforce and payroll realities.
Why workplace programmes matters for employers
Lower absenteeism and presenteeism
Driven by money stress reduction.
Fewer emolument attachment orders
(EAOs / garnishees) hitting payroll.
Improved retention and morale
Higher productivity across teams.
Clear, ethical referral path
To NCR‑registered debt counselling and debt review removal.
Many South African employees carry high‑cost credit, arrears and EAOs. A focused employee financial wellness programme reduces payroll disruptions, improves take‑home stability and supports a healthier, more productive workplace.
What's included
1Discovery & Baseline
- • Anonymous employee money stress pulse (5–7 questions).
- • Payroll diagnostic (EAOs, advances, loan requests, overtime usage).
- • Identify high‑impact focus areas (budgeting gaps, high‑cost credit, arrears).
2On‑site / Virtual Clinics
- • Weekly/bi‑weekly bookable 20–30 min sessions with a debt counsellor.
- • Private, POPIA compliant, solution focused guidance.
- • Referrals to NDRC services only with informed, written consent.
3Policy & Payroll Support
- • Garnishee/EAO intake process, verification checklist, and dispute pathway.
- • Guidance on credit life insurance claims and restructuring options.
- • Templates for staff communications (EAO notices, consent forms).
4Content & Tools
- • Access to tools and calculators: Affordability Calculator, Debt Repayment Calculator and Budgeting Tools.
- • Printable workbooks, payslip explainer, rights under The National Credit Act.
- • Monthly "Money Skills" micro‑lessons via email/WhatsApp.
5Leadership Enablement
- • Manager briefings that will help in spotting money‑stress red flags; having supportive conversations.
- • HR training on EAO law, POPIA considerations, and vendor due diligence.
6Measurement & Reporting
- • Quarterly dashboard utilisation, EAO trend, clinic outcomes, employee feedback.
- • KPIs agreed upfront (see below).
Programme formats
| Format | Ideal for | Clinics cadence | Workshops | Footprint & extras |
|---|---|---|---|---|
| Starter | Pilot at one site / virtual hub | 2× per month | — | 3‑month pilot, baseline + endline, light reporting |
| Standard | Multi‑site or single large site | Weekly | Two per quarter | 6–12 months, blended (on‑site + virtual), enriched content |
| Enterprise | National or multi‑region operations | Dedicated on‑site days | Custom | Custom reporting, SLAs, executive reviews, change‑management support |
All formats are available on‑site, virtual or hybrid. We can align schedules with shifts and seasonal peaks.
Typical KPIs (agreed at kick‑off)
↓ EAOs in payroll
By 10–25% within 6–12 months.
↓ Absenteeism
Linked to financial stress (per HR classification).
≥ 70% satisfaction
Employee satisfaction with clinics and content.
≥ 30% completion
Of high‑risk staff complete a budget and debt action plan.
We'll co‑design targets by site/region and track them on the quarterly dashboard.
Compliance & ethics
NDRC is NCR‑registered. We follow POPIA, keep sessions private, and obtain written consent before any referral or intervention. Employers receive de‑identified, aggregate reporting only.
How we work
Book a discovery call
Helps us understand your workforce, payroll realities and problem statements.
Baseline & set‑up
Pulse survey, payroll diagnostic, clinic calendar, comms pack.
Run & refine
Clinics + content + training; quarterly reviews against KPIs.
Who benefits
Employers experiencing rising garnishees/EAOs, payday advances or overtime spikes.
HR teams wanting a POPIA compliant pathway for debt counselling for employees.
Safety critical or high stress environments where distraction risk is costly.
Organisations seeking a credible partner for payroll financial wellness.
FAQs
Ready to reduce money stress at work?
Book a discovery call to understand how our workplace financial wellness programmes can benefit your organization.
Prefer to explore first? Download the Employer Financial Wellness Playbook (PDF)