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School of Business · Certificate · 3 Months · Online
Financial Literacy and Wealth Education
Personal finance, investment principles, savings systems, and wealth-building for working Africans at every income level.
Duration
3 Months
Workload
6–8 hrs/week
Mode
100% Online
Credential
Certificate
Intake
Monthly
The Graduation DeliverableA completed personal financial plan covering the next 12 months, including a working budget, a savings commitment, and at least one investment decision made and documented with a clear rationale. No financial plan, no certificate.
What You Will Learn
- How to build and follow a personal budget that reflects your actual life, not a textbook example.
- How savings, compound interest, and investment work, and why starting with small amounts matters more than waiting.
- How to access and evaluate investment options in Ghana and across Africa: stocks, treasury bills, mutual funds, and real estate.
- How to understand and manage debt, including mobile money loans, bank credit, and informal borrowing.
- How to plan financially for your family’s future, including education, health emergencies, and retirement.
Programme Modules
| # | Module | Weeks |
|---|---|---|
| 1 | Building and Keeping a Personal Budget | 1–2 |
| 2 | Savings Systems and the Power of Compound Interest | 3–4 |
| 3 | Investment Fundamentals: Stocks, T-Bills, and Mutual Funds | 5–6 |
| 4 | Real Estate as an Investment Vehicle in Africa | 7 |
| 5 | Understanding and Managing Debt | 8–9 |
| 6 | Family Financial Planning: Education, Health, and Retirement | 10–11 |
| 7 | Personal Financial Plan — Final Submission | 12 |
Weekly checkpoints feed into your final graduation deliverable.
Entry Requirements
Route A — Academic: Minimum of five WASCE/O-Level passes including English.
Route B — Experiential: Any working adult with a regular income — employed, self-employed, or informally trading — who wishes to manage their money with greater discipline and build financial security.
Route C — Professional Transfer: Any certificate or diploma holder, or any finance-adjacent professional (accountant, bank teller, mobile money agent) seeking structured personal finance training.
Career and Enterprise Outcomes
Graduates of this programme report measurable improvements in their financial behaviour within months of completing the programme — including active savings plans, Ghana Stock Exchange investment accounts, debt reduction strategies, and in several cases, the launch of financial coaching side practices serving their communities. The programme is also a foundational qualification for anyone seeking to work in financial services, microfinance, or community development finance across Africa.
Accreditation
Regulated by GTEC, Ghana. Awarded in partnership with NationsUniversity, USA.
Assessment Framework
Budget worksheets (×2): 20%
Module assignments (×6): 40%
Discussion participation: 10%
Final Personal Financial Plan: 30%
Pass mark: 50%. Financial plan submission required to graduate.
Programme Quick Facts
Code: FLWE
Duration: 3 Months (12 Weeks)
Workload: 6–8 hrs/week
Credential: Certificate
Intake: Monthly
School: School of Business