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Training & certification

Saving • Budgeting • Borrowing • Debt • Responsible decisions

DKF Financial Literacy Basics

This is independent community education. It is not official CBN training, regulated financial advice or a nationally accredited qualification.

Understand your money. Make a plan. Build safer financial habits.

You do not have to earn a lot of money to begin making more informed choices. This course gives you a small set of habits that work with ordinary life: record your money, put essentials first, save what is realistic, understand loan costs, make a debt plan and check before you pay.

Course code
DKF-FLB-001
Length
5 hours of learning and assessment
Audience
Ages 12+ and adults, including youth, households, traders, farmers and community members
Delivery
Facilitator-led or self-paced
Edition
Version 1.0, 13 October 2026

Your learning promise

  • You may ask questions without shame.
  • No one must reveal personal income, bank details, debts or passwords.
  • A fictional example is always acceptable.
  • The course does not endorse any bank, lender, savings app or investment.
  • A completion certificate recognises learning, not professional or government accreditation.

How to complete the course

Study all six modules. Complete one budget exercise and one loan-comparison exercise. Score at least 9 out of 12 on the final knowledge check. If you do not reach the mark, review the lessons and try again. For in-person delivery, the trainer should also confirm meaningful participation.

  1. 01Understanding Money, Income, Needs and Wants40 min
  2. 02Budgeting and Controlling Everyday Spending50 min
  3. 03Saving Money and Preparing for Emergencies45 min
  4. 04Borrowing Responsibly and Understanding Loan Costs50 min
  5. 05Managing Debt and Building a Repayment Plan50 min
  6. 06Responsible Decisions, Safe Banking and Avoiding Scams45 min

Start or continue the course

Free, self-paced. Use the same name and contact each time to pick up where you stopped.

Age

Total learning time: 300 minutes (5 hours), excluding breaks. You may study in one day or divide the lessons into shorter sessions.

Before you begin: What is the biggest money decision a person makes in an ordinary week? Write one answer or discuss it with a partner. Use a fictional example if you prefer.

You do not need to share your bank information, debts or household income with DKF. Fictional numbers are acceptable for every exercise.

Public verification of any DKF certificate: https://dutsenkauna.org/verify-certificate

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