The Saver Waya Waya L+EARN Programme (SecuretheBag) is a targeted consumer financial education initiative designed to strengthen the financial capability of young adults in tertiary education, with a specific focus on TVET colleges and universities across South Africa.
The programme equips students with practical, transferable financial skills that enable them to:
SecuretheBag is intentionally designed to be inclusive and adaptable, recognising the diverse educational pathways, income sources, and career trajectories of TVET and university learners. By meeting students at their point of need, the programme supports smoother transitions from education into employment, self-employment, or further learning—while contributing to broader youth development and financial inclusion outcomes.
The Saver Waya Waya L+EARN SecuretheBag Programme offers funders and collaborators a strategic opportunity to invest in the financial capability and long-term well-being of TVET and university students across South Africa.
By supporting SecuretheBag, partners contribute to developing financially responsible young adults who are better prepared to succeed in the workplace, entrepreneurship, and broader economic participation.
South Africa’s youth face increasing financial complexity alongside high levels of unemployment, debt exposure, and limited access to financial education. Many students graduate with qualifications—but without the financial skills needed to sustain themselves and make sound economic decisions.
Through practical, accessible financial education, the programme:
For funders and collaborators, SecuretheBag offers measurable social impact aligned with national development priorities.
SecuretheBag is designed for large-scale delivery across:
The programme is adaptable to different student contexts, recognising the diverse financial realities of learners receiving allowances, stipends, bursaries, NSFAS funding, or income from part-time work or informal enterprises.
Partners who support SecuretheBag contribute to:
Youth Economic Empowerment
Students develop the knowledge and confidence to manage income, savings, and credit responsibly.
Financial Inclusion
Participants gain practical understanding of formal financial systems and digital financial services.
Skills for Employability and Entrepreneurship
Financial literacy strengthens work readiness and supports sustainable self-employment pathways.
Long-Term Socioeconomic Stability
Early financial education reduces the risk of chronic debt cycles and financial distress in adulthood.
Alignment With Funder and National Imperatives
The Saver Waya Waya L+EARN SecuretheBag Programme aligns with global and national development priorities by supporting the United Nations Sustainable Development Goals (SDGs) and contributing to South Africa’s National Development Plan (NDP).
By strengthening the financial capability of TVET and university students, the programme supports youth empowerment, financial inclusion, and inclusive economic participation at a critical transition point into adulthood and the labour market.
SecuretheBag contributes to the following priority areas:
SDG 1 – No Poverty: Builds financial resilience and reduces vulnerability among young adults
Through early financial education, SecuretheBag contributes to long-term social and economic stability in line with national transformation objectives.
Collaboration Opportunities
We welcome strategic partnerships with organisations that share a commitment to improving financial capability among young adults in tertiary education, including:
Partnership Models
Collaboration opportunities include, but are not limited to:
