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.
Book a Discovery Call
Download the Employer Financial Wellness Playbook (PDF)
Table of Contents
Why workplace programmes matters for employers
- Lower absenteeism and presenteeism driven by money stress.
- Fewer emolument attachment orders (EAOs / garnishees) hitting payroll.
- Improved retention and morale; higher productivity across teams.
- A clear, ethical referral path to NCR‑registered debt counselling and debt review removal where appropriate.
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
1) Discovery & 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).
2) On‑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.
3) Policy & 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).
4) Content & 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.
5) Leadership 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.
6) Measurement & 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% employee satisfaction with clinics and content.
- ≥ 30% 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. See our POPIA & Privacy policy. For statutory solutions, refer to our services: Debt Counselling and Debt Review Removal.
How we work
- Book a discovery call as it will help us to 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
Are clinics confidential?
Yes. Sessions are POPIA‑compliant and private. Employers receive only de‑identified, aggregate insights.
Can you stop an unlawful EAO?
We help employees verify, challenge or vary EAOs through proper legal channels, and equip HR with an EAO verification checklist and dispute pathway.
Is this a loan or advance service?
No. We do not offer loans or salary advances. We provide counselling, budgeting support, and statutory debt solutions under the National Credit Act.
Do you refer employees into NDRC services?
Only with informed, written consent and where appropriate. Alternatives and rights are explained.
Can you accommodate shifts and remote teams?
Yes. We offer on‑site, virtual or hybrid delivery and can align with shift patterns.
Ready to reduce money stress at work?
Book a discovery call →
Prefer to explore first? Download the Employer Financial Wellness Playbook (PDF)