Programs & Courses
Equipping People with the Knowledge to Take Control of Their Financial Futures
✨ Why Our Programs Matter
At SmartCents NPF, we believe that financial education is not a luxury — it’s a human right. Whether someone is a teenager learning how to manage an allowance, a refugee navigating a new banking system, or a retiree trying to avoid scams, access to understandable, culturally relevant financial knowledge can transform lives.
Our programs are designed to:
🧠 Build financial confidence and decision-making skills
🌐 Bridge knowledge gaps across diverse backgrounds and literacy levels
🔐 Protect communities from fraud and exploitation
🚀 Empower entrepreneurship and long-term planning
🤝 Strengthen local economies through smart individual choices
We don’t just teach numbers — we teach resilience, dignity, and empowerment.
📚 1. Financial Literacy for All
“Money shouldn’t be a mystery.”
We offer a comprehensive suite of courses that cover personal finance fundamentals in a simple, relatable, and practical way. Content is adapted for different regions, languages, and literacy levels.
🧾 Topics include:
How to create and manage a monthly budget
Understanding interest, debt, and credit scores
Practical strategies for saving
Making informed decisions about loans
How inflation and taxes affect daily life
🛠️ How we deliver:
Interactive mobile-friendly lessons
Instructor-led workshops (online & local)
Printable workbooks for classrooms or self-study
Audio content for low-literacy learners
Start Your Financial Literacy Journey
Learn how to budget, save, and make smart financial decisions — no prior experience required.
Apply Now🔒 2. Economic Safety & Anti-Fraud Initiatives
“We can’t afford to let scams win.”
Fraud and financial crime disproportionately target the most vulnerable. From phishing emails to phone scams and social engineering, we arm individuals with real-world tools to stay safe in an increasingly digital world.
🧠 What we teach:
Spotting common scam tactics (online, phone, SMS)
Digital safety habits for mobile users
Identifying fake investments and predatory lending
What to do if you’ve been targeted
Community-based alert systems
We collaborate with Interpol Cybercrime Division and national fraud prevention task forces to keep our materials updated and localized.
🧑🤝🧑 Target Groups:
Seniors
Migrants & refugees
Low-tech rural communities
Youth using mobile banking for the first time
“After taking their fraud workshop, I helped my whole village avoid a WhatsApp scam,” – participant from Ghana.
Protect Yourself & Your Community
Join our Anti-Fraud program and learn how to spot scams, secure your digital identity, and help others stay safe.
Apply Now💼 3. Small Business & Entrepreneurship Support
“From side hustle to sustainable business.”
Many of our learners don’t just want to survive — they want to build. That’s why we offer hands-on guidance for launching and managing community-centered businesses.
🚀 Program benefits:
Developing business plans with local relevance
Guidance on accessing microfinance programs and funding resources safely
Navigating registration and regulation
Branding and digital marketing for low-budget startups
Peer mentoring and pitch coaching
We work closely with FinTech4Good and EduIMPACT to ensure small businesses don’t just launch — they thrive sustainably and ethically.
Our pilot in the Mississippi Delta helped 30 women entrepreneurs launch successful online stores using just their phones.
Launch Your Business with Confidence
Join our Entrepreneurship Essentials program and gain the tools, mentorship, and resources to turn your idea into a thriving, sustainable venture.
Apply Now🏦 4. Financial Fundamentals Course
“Master the basics of money management — 100% free and accessible to everyone.”
Many people make daily financial decisions without ever receiving foundational financial education. This free, self-paced online course is designed to give anyone the tools to:
- Take control of their money
- Avoid debt traps
- Build a foundation for long-term financial security
🎓 What You’ll Learn:
- Budgeting Basics – Track income, expenses, and create a practical plan for your priorities.
- Saving Strategies – Start an emergency fund, save for short- and long-term goals.
- Understanding Credit & Loans – Learn how credit scores, interest rates, and responsible borrowing work.
- Avoiding Financial Pitfalls – Recognize scams, emotional spending triggers, and common mistakes.
- Debt Recovery – Practical steps to reduce debt and regain confidence.
- Money Conversations – Tips for discussing finances with family, friends, and community.
💻 How It’s Delivered:
- Self-paced online modules — accessible on desktop or mobile
- Short, interactive lessons under 15 minutes each
- Monthly live Q&A sessions with certified coaches
- Downloadable worksheets, trackers, and multilingual support (English, Spanish, French)
- Completely free — fully sponsored by SmartCents NPF and partners
👥 Who It’s For:
- Students and young adults starting their financial journey
- Single parents managing family finances
- Retirees stretching fixed incomes
- Migrants and newcomers navigating new financial systems
- Community leaders promoting financial literacy
📈 Impact:
- Increased budgeting confidence and control over personal finances
- First emergency funds created by 84% of participants
- 70% reduced debt within 3 months
- Greater financial peace of mind for participants and their families
Start Your Financial Journey Today
Learn how to budget, save, avoid debt, and plan your financial future — no prior experience required.
Apply Now
5. Local Community Programs
“Knowledge works best when it’s shared face to face.”
We run on-the-ground field projects across the 🇺🇸 U.S. and 🌍 internationally, bringing direct, culturally adapted training to communities in need.
🏫 Examples:
Pop-up training booths in public markets
WhatsApp-based mentoring for Latin American youth
Budgeting clubs for newly arrived immigrant families
Scam-awareness sessions in retirement communities
Financial education at refugee integration centers
Want to bring SmartCents to your town or village?
We welcome partnerships with libraries, schools, NGOs, shelters, and more.
Bring SmartCents to Your Community
Partner with us to host workshops, training booths, or mentorship programs in your town. Together, we can empower more people with practical financial skills.
Partner With Us