Rita Krai, a 37-year-old married mother of five from Manda village in the Western Highlands, is a self-employed Rural Engagement Officer. Despite having completed Grade 12, Rita struggled with managing her finances—particularly with budgeting and saving. However, her financial outlook took a positive turn after attending a Financial Literacy Training course facilitated by the Centre for Excellence in Financial Inclusion CEFI, in Port Moresby from 3rd to 7th March, 2025.

Before the training, Rita faced several financial challenges, including difficulties in managing money effectively and saving for future needs. She admitted to spending unwisely without prioritizing essential needs. The training, which focused on modules such as Savings and Budgeting, equipped her with practical knowledge and strategies to take control of her finances.

Following the training, Rita adopted a more disciplined approach to spending. She now focuses on meeting essential needs and actively sets aside money for savings. This change has not only improved her personal financial situation but also positively influenced her family. By sharing what she learnt, her household now manages to stretch their finances over two weeks and work towards long-term goals such as purchasing a vehicle and covering school fees.

Rita noted that one of the standout aspects of the training was the emphasis on saving. She is confident in applying the techniques she learnt and is determined to train others in her community. However, she acknowledges that family obligations remain a challenge but believes the training has given her the confidence to manage such pressures more effectively.

Rita’s story is an example of how targeted financial education can create lasting behavioral change and contribute to improved livelihoods in rural communities.

Image Caption: Rita (middle) with two of her colleagues who traveled in from Mt. Hagen to attend the Financial Literacy training.