SAQA All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.
SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD THAT HAS PASSED THE END DATE: 

Use a personal budget to manage own money 
SAQA US ID UNIT STANDARD TITLE
10718  Use a personal budget to manage own money 
ORIGINATOR
SGB Financial Services 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
-  
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Finance, Economics and Accounting 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular  Level 2  NQF Level 02  3 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Passed the End Date -
Status was "Registered" 		 2002-06-12  2005-06-12  SAQA 0742/02 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2006-06-12   2009-06-12  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This unit standard is replaced by: 
US ID Unit Standard Title Pre-2009 NQF Level NQF Level Credits Replacement Status
119913  Use a personal budget to manage own money  Level 2  NQF Level 02  3   

PURPOSE OF THE UNIT STANDARD 
This unit standard provides a broad introduction to constructing and managing a personal budget. It is one of a series of unit standards on financial literacy intended to empower learners to manage their own finances responsibly. The focus is knowledge, skills, values and attitudes in relation to the learner`s own context.

The qualifying learner is capable of
  • Tracking and categorizing own current expenses.
  • Compiling a plan to get the most for one`s money.
  • Using a personal budget to manage own money.
  • Implementing a savings plan as part of one`s budget. 
    		•

    LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    There is open access to this unit standard. Learners should
  • Hold a GETC or equivalent qualification. Or
  • Be competent in communication and mathematical literacy NQF level 1. 
    		•

    UNIT STANDARD RANGE 
    The typical scope of this unit standard is
  • Ways of controlling own money affairs include budgeting, saving costs, and investigating additional sources of income.
  • Monthly income is based on own salary, part time income, combined income of other members of the household, sideline businesses, rent from lodgers, provision of transport to non-family members, etc.
  • Fixed payments include rent, home and car loan repayments, installment sale repayments, rates and taxes, transport to work or school, lease agreements, school fees, TV and car licenses, medical aid and union contributions.
  • Variable expenses include transport, groceries, meat, electricity and water, telephone, repairs and maintenance, medical expenses, bank charges, interest on loans and store accounts.
  • Discretionary expenses include all items not included in fixed or variable categories.
  • Commonly recognised categories of expenditure include the total of all items listed under fixed, variable and discretionary expenses.
  • Structure for budget includes rows indicating items within fixed and variable income and expenditure, totals and subtotals of income and expenditure, and columns indicating predicted and actual costs.
  • Commonly used sets for summarizing expenses include transport, rent, school fees, loan repayments, saving policies, insurance policies, rates and taxes, water and electricity, TV license, groceries, medical expenses, savings for the unforeseen, etc.
  • Short-term needs include those needed within the next six months.
  • Medium term needs include those needed between six months and 5 years
  • Long-term needs include those needed beyond 5 years.
  • Impulse buying includes sales, Internet purchases, promotional items, mail order purchases, party plans, special offers and personal selling. 
    		•

    Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Record and analyse current spending patterns. 

    ASSESSMENT CRITERIA     

    ASSESSMENT CRITERION 1 
    1. The difference between needs (essential goods and services) and wants (discretionary goods and services) is explored in relation to own situation. 

    ASSESSMENT CRITERION 2 
    2. The difference between fixed and variable costs is explained and examples given from own experience. 

    ASSESSMENT CRITERION 3 
    3. The results of a record kept of own variable expenses over a three-month period is presented, and the monthly amount of each item is calculated as an average. 

    ASSESSMENT CRITERION 4 
    4. Own expenditure is categorised into commonly recognised sets. 

    ASSESSMENT CRITERION 5 
    5. An analysis is made of own spending as to which items are fixed essential, variable essential and discretionary. 

    ASSESSMENT CRITERION 6 
    6. The results of a record kept of own discretionary expenses over a three month period is presented and the percentage calculated of total expenditure that is discretionary. 

    ASSESSMENT CRITERION 7 
    7. Discretionary expenses and their percentage of total monthly expenses are discussed with a view to distinguishing between reasonable and unreasonable spending amounts and possible alternative uses of these amounts. 

    ASSESSMENT CRITERION 8 
    8. The concept of opportunity cost is explained in terms of what you gain or loose as a result of making a financial choice. 

    SPECIFIC OUTCOME 2 
    Take control of own finances and get the most for one's money. 

    ASSESSMENT CRITERIA     

    ASSESSMENT CRITERION 1 
    1. Practical ways in which a person can take control of his/her money affairs are listed in terms of a budget, saving costs and additional sources of income. 

    ASSESSMENT CRITERION 2 
    2. The concept of discretionary payments is explained and used to show how one can make additional money available for fixed and variable costs. 

    ASSESSMENT CRITERION 3 
    3. Evidence is provided of a comparison between one's estimated and actual costs of at least three items of monthly expenditure. 

    ASSESSMENT CRITERION 4 
    4. The implications of variance between estimated and actual costs are discussed with reference to own experience. 

    ASSESSMENT CRITERION 5 
    5. The concept of variance is explained with reference to the difference between own estimated and actual costs. 

    ASSESSMENT CRITERION 6 
    6. The dangers of impulse buying are illustrated for authentic situations. 

    ASSESSMENT CRITERION 7 
    7. The difference between short, medium and long-term planning is discussed with reference to own circumstances. 

    ASSESSMENT CRITERION 8 
    8. A list is made of steps to be taken if you have a complaint about a product, service or violation of consumer rights. 

    ASSESSMENT CRITERION 9 
    9. The concept and the consequences of being listed by a credit bureau are explained and an indication is given of how a person can avoid or rectify being listed. 

    ASSESSMENT CRITERION 10 
    10. The likelihood of winning or making money easily on games of chance is explored and the chance of winning is estimated based on current known payouts. 

    ASSESSMENT CRITERION 11 
    11. A list is compiled of the kind of people who can offer advice on making financial decisions. 

    ASSESSMENT CRITERION 12 
    12. The consequences of taking financial advice from an unqualified or incorrectly informed person are described with reference to case studies. 

    ASSESSMENT CRITERION 13 
    13. The rights of the consumer are named and explained as they apply in the South African context. 

    SPECIFIC OUTCOME 3 
    Recognise the need to save as part of personal financial management. 

    ASSESSMENT CRITERIA     

    ASSESSMENT CRITERION 1 
    1. The fact that financial needs change over time is discussed and examples given from own experience. 

    ASSESSMENT CRITERION 2 
    2. The need to plan for future financial needs is recognised, and examples given of own likely short, medium and long-term financial needs. 

    ASSESSMENT CRITERION 3 
    3. Own essential medium term needs are prioritised, and a savings plan is developed to meet the two most important of these needs. 

    ASSESSMENT CRITERION 4 
    4. Provision is made in own budget for short, medium and long-term needs. 

    ASSESSMENT CRITERION 5 
    5. An analysis is made to determine how spending can be reduced in order to free money for savings. 

    SPECIFIC OUTCOME 4 
    Compile a personal budget for the next three months, to manage own money. 

    ASSESSMENT CRITERIA     

    ASSESSMENT CRITERION 1 
    1. The need to plan and manage expenses is discussed with regards to meeting current and possible future responsibilities. 

    ASSESSMENT CRITERION 2 
    2. The monthly income for a household is calculated based on total income from all the economic activities of the household. 

    ASSESSMENT CRITERION 3 
    3. The total of all deductions, including tax, is calculated and deducted from the income. 

    ASSESSMENT CRITERION 4 
    4. Monthly fixed payments are calculated for own budget. 

    ASSESSMENT CRITERION 5 
    5. Items of income, and fixed, variable and discretionary payments are summarised in categories in own personal budget. 

    ASSESSMENT CRITERION 6 
    6. Daily, weekly and annual income and expenses are converted to monthly expenses in order to complete a budget. 

    ASSESSMENT CRITERION 7 
    7. A decision is made and an action plan drawn up to balance own income and expenditure by reducing expenditure or increasing income. 

    ASSESSMENT CRITERION 8 
    8. A household budget for the next three months is compiled using the standard format. 

    ASSESSMENT CRITERION 9 
    9. Actual expenses for one month are compared to the budget for the same month, and the reasons are explained for any variance. 

    ASSESSMENT CRITERION 10 
    10. Possible unexpected occurrences are listed and their financial consequences discussed, with reference to own circumstances. 

    ASSESSMENT CRITERION 11 
    11. A reasonable amount of saving for unexpected events is included in one's own budget. 

    ASSESSMENT CRITERION 12 
    12. Unexpected changes to one's income or expenditure are considered and decisions are made about how to adapt the budget to accommodate such changes. 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
    This Unit Standard will be internally assessed by the provider and moderated by a moderator registered by INSQA or a relevant accredited ETQA. The mechanisms and requirements for moderation are contained in the document obtainable from INSQA, - INSQA framework for assessment and moderation. 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    The learner is able to identify and solve problems and make decisions relating to the use of his/her own budget. 

    UNIT STANDARD CCFO ORGANISING 
    The learner is able to organise and manage him/herself by undertaking personal financial planning and constructing and using a personal budget. 

    UNIT STANDARD CCFO COLLECTING 
    The learner is able to collect, organise and critically evaluate information by investigating own past expenses and planning to be able to balance one`s own accounts and save for future needs.

    The learner is able to collect, organise and critically evaluate information relating to budgeting. 

    UNIT STANDARD CCFO COMMUNICATING 
    The learner is able to communicate effectively using visual, mathematics and language skills in the modes of oral and written presentations when explaining the parts of a standard budget. 

    UNIT STANDARD CCFO DEMONSTRATING 
    The learner is able to demonstrate an understanding of the world as a set of related systems by recognising how the use or lack of use of a budget impacts on his/her own life and those family members for whom one is responsible. 

    UNIT STANDARD CCFO CONTRIBUTING 
    The learner is able to participate as a responsible citizen in the life of local, national and global communities by beginning to understand how to avoid the debt spiral. 

    UNIT STANDARD NOTES 
    This unit standard has been replaced by unit standard 119913, which is "Use a personal budget to manage own money", Level 2, 3 credits. 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Fundamental  49402   National Certificate in Steel Tube and Pipe Manufacturing (Seamless Hot-Finished OR Welded OR Cold-Formed)  Level 2  NQF Level 02  Passed the End Date -
    Status was "Reregistered"     		 2012-06-30  MERSETA 
    Fundamental  48783   National Certificate: Financial Services  Level 2  NQF Level 02  Passed the End Date -
    Status was "Reregistered"     		 2023-06-30  INSETA 
    Fundamental  14657   National Certificate: Insurance Administration  Level 2  NQF Level 02  Passed the End Date -
    Status was "Registered"     		 2004-04-18  INSETA 
    Fundamental  49450   National Certificate: Plastics Manufacturing  Level 2  NQF Level 02  Passed the End Date -
    Status was "Reregistered"     		 2023-06-30  MERSETA 
    Elective  49605   National Certificate: Environmental Practice  Level 2  NQF Level 02  Passed the End Date -
    Status was "Reregistered"     		 2023-06-30  LG SETA 
    Elective  48494   National Certificate: Financial Services Management  Level 3  NQF Level 03  Passed the End Date -
    Status was "Reregistered"     		 2012-06-30  INSETA 
    Elective  49451   Further Education and Training Certificate: Plastics Manufacturing  Level 4  NQF Level 04  Passed the End Date -
    Status was "Reregistered"     		 2023-06-30  MERSETA 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. A.S.A.P Training And Consulting 
    2. A4 Consultancy Cc 
    3. Aba Sebenzi 
    4. Abems Training Institute (Pty) Ltd. 
    5. Academy (Pty) Ltd 
    6. Africawide Consulting 
    7. Aga Sechaba Community Projects 
    8. Agisanang SA Training 
    9. Akanani Consulting (Pty) Ltd 
    10. Akha Unique telecoms (pty) ltd 
    11. Altec Training And Consulting 
    12. Amabamba Recruitment 
    13. Amangile Academy (Pty) Ltd 
    14. Amg Training And Hygiene Consultants 
    15. AMODA LEGAL CONSULTING 
    16. Anicrop Training 
    17. Atlegang Training Consulting 
    18. Atvance Academy Pty Ltd 
    19. Avax Sa 481 Cc. T/A Mandisa Development Services 
    20. Azitjhewi Construction 
    21. Baledi And Lutramark 
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    24. Bazalwane Business Partners 
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    38. Brightstone Academy 
    39. Brilliant Affairs (PTY) Ltd 
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    45. Career Builders Academy Pty Ltd 
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    53. Connex Marketing Cc 
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    56. Creative Venture Joint Trading And Projects 
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    59. D and D Lwazi Renaissance Research and Development Institute 
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    66. Ditirelo Skills Development Services 
    67. Divhani Environmental And Engineering Solutions 
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    71. East Cape Training Centre 
    72. Eastern Rose Enterprise 
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    77. Ekurhuleni West Public FET College - Germiston Campus 
    78. Elangeni Consulting 
    79. Elangeni Consulting (PTY) LTD 
    80. ELASON PRO-ACTIVE SECURITY (PTY) LTD 
    81. Elective Training Institute Enterprise Cc 
    82. Elgin Community College 
    83. Empilweni Management Solutions cc 
    84. Enp Holdings (Pty) Ltd 
    85. Environmental Leadership Academy 
    86. ENVOY PLANET CONSULTING AND PROJECTS (PTY) LTD 
    87. Eskilz College (Pty) Ltd 
    88. Essential Skills 
    89. Eukon Engineering And Projects 
    90. Falcon Business Institute (Pty) Ltd 
    91. Faranang Marketing 
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    93. Freddy Mfana Trading Enterprise 
    94. FUTURE DISCOVERY TRAINING ACADEMY 
    95. Gaegolelwe Consultancy (Pty) Ltd 
    96. General Economic Analysis 
    97. Giamanje Tvet College 
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    99. Glentech Innovative Design Concepts 
    100. Glere Skills And Consultants 
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    103. Goitsikitso Enterprise Trading 
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    110. HDPSA 
    111. Heavenly Button Trading Cc 
    112. Hercuscope 
    113. Heros Fire Protection Services Cc 
    114. Hlombe And Associates 
    115. Hs Global Skills Business Solutions 
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    117. Ilinge Labantu Debt Solution 
    118. Inafrica General Trading Pty Ltd 
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    121. Inkwazi Learning Network 
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    123. Institute For Local Government And Housing 
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    125. Institute of Health and Social Care Studies 
    126. Integrated Waste And Recycling Services(Iwars) 
    127. Isiphephelo Consultants 
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    129. Ito Focus Reagile 
    130. Itumeleng Wellness Solutions 
    131. Iviyo Landscaping (Pty) Ltd 
    132. Izazi Training Solutions 
    133. Izwelethu Black Diamond 
    134. Jobafrik Consulting 
    135. Josmap Training Institute 
    136. Jpm & Associates 
    137. Jrt3 Jobcreation Rehabilitation Through Training And Technology (Pty) Ltd 
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    139. K And Z Projects Training And Development 
    140. Kagisho Business Concepts (Pty) Ltd 
    141. Kalideen Investment T/A Kalvest 
    142. KALIDEEN MANAGEMENT SERVICES 
    143. Kappia Consulting Services 
    144. Kay Beez Development Projects 
    145. KEITSHEPILE TRADING AND PROJECTS 
    146. Kenlet Educational Projects 
    147. Kenmab Training Centre 
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    150. Kernel Management And Consulting (Pty) Ltd. 
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    153. Kgang-Kgolo Consulting 
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    156. Khehli Institute 
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    158. Khubiso Enterprise (Pty) Ltd 
    159. Khula Ke Training 
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    162. Khumba Energy 
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    167. Kuenta Consulting 
    168. Kuyakhula Development Initiatives 
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    170. Kwem Management Solutions 
    171. Kwindla Institute of Learning and Consulting 
    172. Lapa La Afrika Farming And Projects 
    173. Lavinda Trade And Invest 
    174. Lead Academy Pty Ltd 
    175. Legacy Imbizo Training & Development Consultants 
    176. Leronsa Trading Enterprise 
    177. Lesechaba Services 
    178. Lesias Educational Services 
    179. Letlhokoa Management Services Cc 
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    186. Lizwa Ntlabati Trading Cc 
    187. Loago Business Consulting 
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    192. Mafusega Projects 
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    199. Maluka Safety House 
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    203. Mars Business Consulting 
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    207. Masizakhe Leanerships cc 
    208. MASM Trading Enterprise (Pty) Ltd 
    209. MASS COMUTER TRAINING AND PRINTERS 
    210. Mavco Engineering Pty Ltd 
    211. MAXIMUM DEVELOPMENT INSTITUTE 
    212. Mazasa Management Consulting Cc. 
    213. Mbinga Holdings (Pty) Ltd 
    214. Mcebo Technologies 
    215. Mementos Training Pty Ltd 
    216. Mestel Training Solutions (Pty) Ltd 
    217. MGM Training & Consulting 
    218. Mgwezane Training And Events Management Cc. 
    219. Miczo'S Enterprise 
    220. Mimoisa Business Solutions Cc 
    221. Mind Magic Consulting 
    222. Mintirho Development Services 
    223. Misol Construction 
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    225. Mkhawz Skills Development Consultants 
    226. Mmanape Private Technical College Pty Ltd 
    227. MMBG Trading And Consulting 
    228. Mmg Capital 
    229. Mml Consulting Cc. 
    230. Mod-Mosh Projects And Consulting (Pty) Ltd 
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    232. Morena Empire Investment 
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    234. Moseki Consulting Engineering Training & Development (Pty) Ltd 
    235. Mphela Education Training And Development 
    236. MUDITAMBI HOLDINGS 
    237. Muhangwene Development Enterprise 
    238. Multiple Productive Management Solutions 
    239. MUNICIPALITY INFRASTRUCTURE SOLUTIONS 
    240. MWG Logistical Services 
    241. Nalengmokoni Investors (Pty) Ltd 
    242. NBnet Consultancy & Projects (Pty) Ltd 
    243. Nedtex73 
    244. Netgrow Training Solutions 
    245. Nettcon Sa 
    246. Networx for Career Development 
    247. New Hope Revival Organisation 
    248. New Minds Training Institute (Pty) Ltd 
    249. Nj & L Trading Enterprise Cc. 
    250. Nkarise Training and Consulting Services 
    251. Nkinane Trading Enterprise 
    252. Nkqubela Community Developers 
    253. Nkqubela Consulting 
    254. Nm Cuts 
    255. Nokusho M Consulting And Trading 
    256. Nomagwanishe Investments cc 
    257. NOMAKU TRADERS CC 
    258. Nonunu Projects 
    259. Ns Global Academy 
    260. Nsuku Management Consultants 
    261. Ntsangalala Business Enterprise 
    262. Ntsime Financial Consulting 
    263. Nyankwavi Investment Cc. 
    264. Okuhle Waste Management & Hazardous Management 
    265. Okwethu Invelo Npc 
    266. OMNI HR CONSULTING PTY LTD 
    267. Outeniqua Leadership Institute 
    268. Paramount Training Academy 
    269. Pbm Solutions 
    270. Peak Health Wellness Solutions (Pty) Ltd 
    271. Pebetse Training And Consulting 
    272. Petra Institute of Development 
    273. Pfim Trading (Pty) Ltd 
    274. Phambili Kzn Construction And Development 
    275. Phambili Services 
    276. PHETHA PROFFESSIONAL SERVICES CC 
    277. Philani Solutions 
    278. Phumelela Sisonke African Foundation 
    279. Pioneer Business Consulting 
    280. Pkm Skills And Career Development 
    281. PLATINUM ELECTRICAL(PTY) LTD 
    282. Pma Holdings (Pty ) Ltd. 
    283. Portable Skills Paradigm 
    284. Poshido Training 
    285. Power Rush Trading 170 Cc. 
    286. Powernexus 
    287. Princetop Corporative Training (Pty) Ltd 
    288. Progressive School Of Business And Engineering (Pty) 
    289. Pule Ramasimong Development 
    290. Puseletso Trading And Projects 
    291. Quick Leap Investment 
    292. Quiver Skills Institute 
    293. Ratomac Trading Consultants (Pty) Ltd 
    294. Rebone Safety And Environmental Consultants 
    295. Reflections Development Institute 
    296. Remo Holdings Pty Ltd 
    297. Rlstp Training & Development (Pty) Ltd. 
    298. Rmcii Solutions (Pty) Ltd 
    299. Sanctus Holdings Pty Ltd 
    300. Seige Trading Solutions 
    301. Seitaodi Trading 
    302. Senelo Trading Cc 
    303. SEOPOSENGOE TRAINING CONSULTANCY CC 
    304. SETHIKE TRADING 
    305. Shauku (Pty)Ltd 
    306. Shirs Vision Compleadev (Pty) Ltd 
    307. Silalele Skills Academy (Pty) Ltd 
    308. Siljeur Training Academy 
    309. Simba Skills Consultants 
    310. Simmek Holdings 
    311. Simtho Investments (Pty) Ltd 
    312. Sinokuhle Konke Trading Enterprise 
    313. Sizampiloenhle Trading And Projects (Pty) Ltd 
    314. Sjm Squared Construction 
    315. Skills Catalyst Consultants 
    316. Slj Consultants 
    317. Smartmatta (Pty) Ltd 
    318. Sobengmo Mining Services 
    319. Sonani Skills 
    320. Sonyce Media 
    321. South African Institute of Learning (SAIL) 
    322. South African Abet Development Agency Saada 
    323. South African Corporate Training Association 
    324. South African Governance And Business College 
    325. South West Gauteng TVET College 
    326. SOUTHERN AFRICAN YOUTH MOVEMENT 
    327. Spring Forest Trading 578 Cc 
    328. Sseh Pty Ltd 
    329. STARPLEX 408 CC 
    330. Starplex 489 cc 
    331. Tachfin Holdings 
    332. Talent Centre Training 
    333. Talent Emporium Academy (PTY) Ltd 
    334. Tanosa Trading CC 
    335. Tasc Business Consulting And Training 
    336. Technogirl Trust 
    337. Teemil Safety Health And Environmental Consultants Pty Ltd 
    338. Tembe Service Providers 
    339. Thabelanang Trading Enterprise 
    340. Thando Consulting Services 
    341. The Crimson Co Cc. 
    342. The Green Affairs Consulting 
    343. The Petit Pois Chef'S Academy 
    344. Thembeni Skills Development Trading And Projects 
    345. Thinking Mind Trading 
    346. Thothi Consulting 
    347. Thubelihle Graduate Institute 
    348. Thusanang Skills & Training 
    349. Thuso Enviro and Agric Development 
    350. Thuto Ya Setshaba Training Services (Pty) Ltd 
    351. Timothy Fasheun Group Enviromentors (Pty) Ltd 
    352. Tirisano Ya Bakwena Consultant 
    353. Tld Consulting 
    354. Tlotlangthuto Training & Consulting 
    355. Tloumogale Business Development & Consulting 
    356. Tmp Training And Development 
    357. Tonex Management Solutions 
    358. Township Fire And Rescure (Pty) Ltd 
    359. Trainers without Borders 
    360. Training At Work (Pty) Ltd 
    361. Transafric Consulting Pty Ltd 
    362. Tsebo Ke Bophelo Holdings 
    363. Tshamutengu General Trading Cc. 
    364. Tshedza Training Technologies (Pty) Ltd 
    365. Tshisimani Holdings (Pty) Ltd. 
    366. Tshwane College of Commerce and Computer Studies 
    367. Tshwane Skills Training Centre 
    368. TSK Projects(PTY)LTD 
    369. Tuns Trading And Projects (Pty) Ltd 
    370. Twin Peak Technologies 
    371. TWINMARK STRATEGY AND MANAGEMENT CONSULTANTS 
    372. Uan Projects 
    373. Ukhamba Quality Skills 
    374. Umbuso Training Services 
    375. Umfolozi FET College 
    376. Umlando Projects Pty Ltd 
    377. Umnotho We Afrika Foundation 
    378. University Of Business Excellence(Pty)Ltd 
    379. University Of Intellectual Excellence (Pty)Ltd 
    380. University of Venda 
    381. Ursivox Interactive Systems 
    382. Uweso Consulting (Pty) Ltd 
    383. VEB CELE & ASSOCIATES PTY LTD 
    384. Venus Maintenance And Supply Services 
    385. Vicmat Consultants 
    386. VISIONARY SKILLS ACADEMY 
    387. Vista Chem Consulting 
    388. VSL General Trading 
    389. VUCA INSTITUTE OF LEADERSHIP DEVELOPMENT 
    390. Vumilia Africa Group 
    391. Vutivi Training and Skills Development 
    392. Wag Consulting 
    393. Wasteng (Pty) Ltd 
    394. Wbs Group 
    395. Wildlife and Enviroment Society of South Africa 
    396. World Pace Development And Training Institute 
    397. X Foundation 
    398. Xl At Consulting Cc 
    399. Ya Hina Management Consulting And Projects 
    400. YAB Business Solutions 
    401. Yonga Umhlaba Waste And Environmental Management Services (Pty) 
    402. Zj Africa Learn (Pty)Ltd 
    403. Zwelixoliletrading Enterprise 
    404. Zwide Ka- Langa Dynamics 


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