[vc_row full_width=”stretch_row” pofo_bg_image_type=”cover-background” desktop_bg_image_position=”bg-position-center-top” desktop_height=”635px” class=”qm-header rings-overlay” css=”.vc_custom_1769943318713{background-image: url(https://www.ngatangatamicrofinance.org.nz/wp-content/uploads/2026/02/Group-51.png?id=5167) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_column width=”1/1″][vc_row_inner class=”qm-header-inner inner-container”][vc_column_inner width=”1/1″ class=”qm-yellow-circle45″ css=”.vc_custom_1765483558125{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}”][vc_column_text class=”qm-yellow-circle-title45 maxwd”]Empowering you with smarter money choices[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row pofo_enable_responsive_css=”1″ class=”qm-move-up” css=”.vc_custom_1765579010086{padding-bottom: 50px !important;}” responsive_css=”padding_bottom_mobile:20px”][vc_column width=”1/1″ class=”qm-grey-text-block”][vc_row_inner][vc_column_inner width=”1/1″][vc_custom_heading text=”Interest Free Loans and Budgeting Support” font_container=”tag:h2|font_size:38px|text_align:center|color:%23000000″ use_theme_fonts=”yes” el_class=”maxwd”][vc_column_text pofo_text_color=”#dd3333″][/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner gap=”35″][vc_column_inner width=”1/1″ class=”qm-text-20″][vc_column_text class=”qm-text-18″ pofo_text_color=”#dd3333″]Money challenges can affect anyone, but facing them doesn’t have to be overwhelming. Ngā Tāngata Microfinance is a small, non-profit organisation focused on helping financially vulnerable New Zealanders get ahead with money. We provide ethical, interest-free loans that give Kiwis a ‘hand up’, not a ‘hand-out’. Our Mission
is to provide safe, fair and affordable finance options that enable financial inclusion and capability, and challenge structural and economic forms of financial exclusion.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner gap=”15″ pofo_enable_responsive_css=”1″ class=”qm-button-link” css=”.vc_custom_1765579881136{padding-bottom: 30px !important;}” responsive_css=”padding_bottom_mobile:0px”][vc_column_inner width=”1/2″ pofo_enable_responsive_css=”1″ css=”.vc_custom_1765579981024{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-radius: 10px !important;}” class=”boxshad” responsive_css=”margin_bottom_mobile:20px”][vc_single_image image=”5173″ img_size=”full” alignment=”center”][vc_custom_heading text=”Little Loans” font_container=”tag:h2|font_size:28px|text_align:center|color:%2330a190″ el_class=”boxmidtitle qm-grey-text-block_new” css=”.vc_custom_1765482139759{padding-top: 15px !important;padding-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1765455802448{margin-bottom: 0px !important;padding-right: 30px !important;padding-bottom: 20px !important;padding-left: 30px !important;}”]Our Little Loans offer interest-free, fee-free financial support for life’s essentials. Get the help you need now, with guidance to build lasting money confidence. Get financial breathing room today while building confidence for tomorrow.[/vc_column_text][vc_btn title=”Find Out More” style=”custom” custom_background=”#ffffff” custom_text=”#30a190″ shape=”round” align=”center” el_class=”qm-green-btn” css=”.vc_custom_1769954162522{padding-bottom: 20px !important;background-color: #ffffff !important;}” link=”url:https%3A%2F%2Fwww.ngatangatamicrofinance.org.nz%2Fneed-help%2F”][/vc_column_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1765408721875{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-radius: 10px !important;}” class=”boxshad”][vc_single_image image=”5172″ img_size=”full” alignment=”center”][vc_custom_heading text=”My Money Kete” font_container=”tag:h2|font_size:28px|text_align:center|color:%2330a190″ el_class=”boxmidtitle qm-grey-text-block_new” css=”.vc_custom_1765482147653{padding-top: 15px !important;padding-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1765455796454{margin-bottom: 0px !important;padding-right: 30px !important;padding-bottom: 20px !important;padding-left: 30px !important;}”]My Money Kete is a free money toolkit that helps you understand your spending, plan ahead, and feel more confident with your money. Learn practical ways to stay on top of your finances and reach your goals.[/vc_column_text][vc_btn title=”Find Out More” style=”custom” custom_background=”#ffffff” custom_text=”#30a190″ shape=”round” align=”center” el_class=”qm-green-btn” link=”url:https%3A%2F%2Fwww.ngatangatamicrofinance.org.nz%2Fneed-help%2Fmy-money-kete%2F” css=”.vc_custom_1769954185018{padding-bottom: 20px !important;background-color: #ffffff !important;}”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_width=”stretch_row” pofo_enable_responsive_css=”1″ class=”qm-grey-section” css=”.vc_custom_1765579094868{padding-top: 70px !important;padding-bottom: 40px !important;}” responsive_css=”padding_top_mobile:30px|padding_bottom_mobile:10px”][vc_column width=”1/1″][vc_row_inner gap=”35″][vc_column_inner width=”5/12″ pofo_enable_responsive_css=”1″ css=”.vc_custom_1765579119584{padding-top: 50px !important;}” responsive_css=”padding_top_mobile:20px”][vc_custom_heading text=”A fairer, kinder approach to money, budgeting and finance management” use_theme_fonts=”yes” el_class=”qm-max-350″][vc_single_image image=”3910″ img_size=”full” css=”.vc_custom_1679280241019{margin-top: 40px !important;}”][/vc_column_inner][vc_column_inner width=”7/12″][vc_raw_html el_class=”counterheading”]JTNDc3BhbiUyMGNsYXNzJTNEJTIyY291bnQtY2lyY2xlJTIyJTNFMSUzQyUyRnNwYW4lM0VXZSUyN3JlJTIwYSUyMG5vbi1wcm9maXQ=[/vc_raw_html][vc_column_text class=”counterpara”]As a non-profit, we put your best interests first. Whether you’re looking for practical budgeting support or a small loan, our focus is on helping you manage your money without adding stress or pressure.[/vc_column_text][vc_separator color=”custom” css=”.vc_custom_1765455161111{padding-top: 20px !important;padding-bottom: 20px !important;}” accent_color=”#f4f7f8″][vc_raw_html el_class=”counterheading”]JTNDc3BhbiUyMGNsYXNzJTNEJTIyY291bnQtY2lyY2xlJTIyJTNFMiUzQyUyRnNwYW4lM0VPdXIlMjBsb2FucyUyMGFyZSUyMGludGVyZXN0LWZyZWUlMjBhbmQlMjBmZWUtZnJlZQ==[/vc_raw_html][vc_column_text class=”counterpara”]They’re designed to help you to get on top of your money, so that high interest doesn’t get on top of you. You just pay off the amount of the loan, with absolutely no interest or fees.[/vc_column_text][vc_separator color=”custom” css=”.vc_custom_1765455173774{padding-top: 20px !important;padding-bottom: 20px !important;}” accent_color=”#f4f7f8″][vc_raw_html el_class=”counterheading”]JTNDc3BhbiUyMGNsYXNzJTNEJTIyY291bnQtY2lyY2xlJTIyJTNFMyUzQyUyRnNwYW4lM0VXZSUyMGhlbHAlMjB5b3UlMjBnZXQlMjBhaGVhZA==[/vc_raw_html][vc_column_text class=”counterpara”]Your financial mentor will coach you on how to improve your money skills and help you set up your loan. That way, you’ll feel less stressed and more in control.[/vc_column_text][vc_separator color=”custom” css=”.vc_custom_1765455181647{padding-top: 20px !important;padding-bottom: 20px !important;}” accent_color=”#f4f7f8″][vc_raw_html el_class=”counterheading”]JTNDc3BhbiUyMGNsYXNzJTNEJTIyY291bnQtY2lyY2xlJTIyJTNFNCUzQyUyRnNwYW4lM0VXZSVFMiU4MCU5OXJlJTIwbm90JTIwYSUyMGJpZyUyMGJhbmslMkMlMjBidXQlMjB3ZSVFMiU4MCU5OXJlJTIwYmFja2VkJTIwYnklMjBvbmU=[/vc_raw_html][vc_column_text class=”counterpara”]Our loans are backed by our financial partner. Kiwibank. Like us, they’re big believers in doing what’s right and helping Kiwis to get ahead financially, so you know you’re in good hands.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_btn title=”Get Help Today” style=”custom” custom_background=”#30a190″ custom_text=”#ffffff” shape=”round” align=”center” i_align=”right” i_icon_fontawesome=”fas fa-angle-down” add_icon=”true” link=”url:https%3A%2F%2Fwww.ngatangatamicrofinance.org.nz%2Flittleloans%2F%23apply” css=”.vc_custom_1769954203016{padding-top: 40px !important;}”][/vc_column][/vc_row][vc_row full_width=”stretch_row” class=”qm-green-section-cta”][vc_column width=”1/1″][vc_custom_heading text=”We can help you if…” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes”][vc_row_inner class=”qm-green-section-cta-cols”][vc_column_inner width=”1/3″][vc_single_image image=”2049″ img_size=”full” alignment=”center”][vc_column_text]You’re a New Zealand citizen or permanent resident?[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][vc_single_image image=”2053″ img_size=”full” alignment=”center”][vc_column_text class=”qm-green-section-cta-link”]You meet our income threshold[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][vc_single_image image=”2054″ img_size=”full” alignment=”center”][vc_column_text]You’re happy to work with a financial  mentor[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_column_text class=”qm-green-section-cta-link” css=”.vc_custom_1769027528422{margin-top: 0px !important;padding-top: 0px !important;}”]Click here for NTM-Income-Threshold[/vc_column_text][/vc_column][/vc_row][vc_row pofo_enable_responsive_css=”1″ class=”qm-move-up1 qm-h2″ css=”.vc_custom_1765579167691{padding-top: 60px !important;padding-bottom: 60px !important;}” responsive_css=”padding_top_mobile:20px|padding_bottom_mobile:20px”][vc_column width=”1/1″ class=”qm-grey-text-block”][vc_custom_heading text=”PERSONAL STORY” font_container=”tag:h5|font_size:22|text_align:center” use_theme_fonts=”yes” el_class=”qm-small-pink-heading”][vc_row_inner gap=”15″ class=”qm-button-link” css=”.vc_custom_1765409561132{padding-bottom: 30px !important;}”][vc_column_inner width=”1/2″ pofo_enable_responsive_css=”1″ css=”.vc_custom_1765583763597{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-radius: 10px !important;}” class=”boxshad” responsive_css=”margin_bottom_mobile:30px”][vc_single_image image=”5170″ img_size=”full” alignment=”center”][vc_custom_heading text=”Meet Sonam” font_container=”tag:h2|font_size:28px|text_align:center|color:%2330a190″ el_class=”boxmidtitle qm-grey-text-block_new” css=”.vc_custom_1765481686908{padding-top: 20px !important;padding-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1765413175218{margin-bottom: 10px !important;padding-right: 30px !important;padding-bottom: 20px !important;padding-left: 30px !important;}”]At 28, Sonam needed help managing unexpected costs as a new single mum. With guidance from a financial mentor, she accessed a Little Loan from Ngā Tāngata Microfinance, giving her the support she needed to get back on track.[/vc_column_text][vc_btn title=”Read Full Story” style=”custom” custom_background=”#ffffff” custom_text=”#30a190″ shape=”round” align=”center” el_class=”qm-green-btn” link=”url:https%3A%2F%2Fwww.ngatangatamicrofinance.org.nz%2Fclient-stories%2Fsonams-story-im-really-proud-of-myself%2F” css=”.vc_custom_1769954221569{padding-bottom: 20px !important;background-color: #ffffff !important;}”][/vc_column_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1765408721875{padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;border-radius: 10px !important;}” class=”boxshad”][vc_single_image image=”5169″ img_size=”full” alignment=”center”][vc_custom_heading text=”Meet Sheryl” font_container=”tag:h2|font_size:28px|text_align:center|color:%2330a190″ el_class=”boxmidtitle qm-grey-text-block_new” css=”.vc_custom_1768184775705{padding-top: 20px !important;padding-bottom: 0px !important;}”][vc_column_text css=”.vc_custom_1768185022936{margin-bottom: 10px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;}”]Sheryl found My Money Kete when rising living costs and debt left her family struggling. With practical support and guidance, she’s taking control of her money, reducing stress, and building a better future.[/vc_column_text][vc_btn title=”Read Full Story” style=”custom” custom_background=”#ffffff” custom_text=”#30a190″ shape=”round” align=”center” el_class=”qm-green-btn” link=”url:https%3A%2F%2Fwww.ngatangatamicrofinance.org.nz%2Fmmk-stories%2Fsheryls-my-money-story%2F|title:Sheryl%E2%80%99s%20My%20Money%20Story” css=”.vc_custom_1769954559960{padding-bottom: 20px !important;background-color: #ffffff !important;}”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_width=”stretch_row” pofo_enable_responsive_css=”1″ class=”qm-grey-section” css=”.vc_custom_1765581352156{padding-top: 50px !important;padding-bottom: 50px !important;}” responsive_css=”padding_top_mobile:20px|padding_bottom_mobile:40px”][vc_column width=”1/1″][vc_custom_heading text=”OUR AMAZING PARTNERS & SUPPORTERS” font_container=”tag:h2|font_size:22px|text_align:center|color:%23f18b6c” use_theme_fonts=”yes” el_class=”qm-small-pink-heading” css=”.vc_custom_1765581293665{margin-bottom: 20px !important;}”][vc_images_carousel images=”5184,5183,5178,5177,5185,5176,5180″ img_size=”full” onclick=”link_no” slides_per_view=”4″ hide_pagination_control=”yes” wrap=”yes” el_class=”inner-container1 desktopcarousel”][vc_images_carousel images=”5184,5183,5178,5177,5185,5176,5180″ img_size=”full” onclick=”link_no” hide_pagination_control=”yes” wrap=”yes” el_class=”inner-container1 mobilecarousel”][/vc_column][/vc_row][vc_row full_width=”stretch_row” disable_element=”yes” class=”qm-grey-section” css=”.vc_custom_1765451799452{padding-bottom: 80px !important;}”][vc_column width=”1/1″][vc_custom_heading text=”Our amazing partners and supporters” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes” el_class=”qm-centred-heading” css=”.vc_custom_1651102048806{margin-bottom: 60px !important;}”][vc_row_inner gap=”30″ class=”qm-white-boxes-green-border”][vc_column_inner width=”1/3″][vc_hoverbox image=”3527″ primary_title=”” hover_title=”Kiwibank” shape=”square” hover_background_color=”white” css_animation=”flipInX” el_class=”qm-flip-box”]Kiwibank provides the capital that Ngā Tāngata Microfinance lends to our customers, and has provided technical and commercial support to Ngā Tāngata Trust to help us establish our much-needed services.

Visit website[/vc_hoverbox][/vc_column_inner][vc_column_inner width=”1/3″][vc_hoverbox image=”2089″ primary_title=”” hover_title=”FinCap” shape=”square” hover_background_color=”white” css_animation=”flipInX” el_class=”qm-flip-box”]FinCap provides support and advice to nearly 200 budgeting centres and over 2000 financial mentors and is an essential partner in helping clients to access Ngā Tāngata Microfinance’s services.

Visit website[/vc_hoverbox][/vc_column_inner][vc_column_inner width=”1/3″][vc_hoverbox image=”3941″ primary_title=”” hover_title=”Booster Foundation” shape=”square” hover_background_color=”white” css_animation=”flipInX” el_class=”qm-flip-box”]Booster Foundation helps New Zealand communities to improve their financial resilience and reduce inequality. Booster supports Ngā Tāngata Microfinance’s ‘My Money Kete’ programme.

Visit website[/vc_hoverbox][/vc_column_inner][/vc_row_inner][vc_row_inner gap=”30″ class=”qm-white-boxes-green-border”][vc_column_inner width=”1/3″][vc_hoverbox image=”3337″ primary_title=”” hover_title=”Good Shepherd New Zealand” shape=”square” hover_background_color=”white” css_animation=”flipInX” el_class=”qm-flip-box”]Good Shepherd is committed to supporting microfinance in New Zealand. They provide systems support and encouragement, helping us to grow and assist even more New Zealanders.

Visit website[/vc_hoverbox][/vc_column_inner][vc_column_inner width=”1/3″][vc_hoverbox image=”3943″ primary_title=”” hover_title=”Ministry Of Social Development” shape=”square” hover_background_color=”white” css_animation=”flipInX” el_class=”qm-flip-box”]We are pleased to have the support of the Ministry of Social Development as part of our service to provide fair, interest-free financing to low income New Zealanders, and to help our clients improve their financial literacy.

Visit website[/vc_hoverbox][/vc_column_inner][vc_column_inner width=”1/3″][vc_hoverbox image=”3808″ primary_title=”” hover_title=”Auckland Foundation” shape=”square” hover_background_color=”white” css_animation=”flipInX” el_class=”qm-flip-box”]The Auckland Foundation’s Grassroots Giving Programme supports Auckland community groups and charitable organisations that prioritise whānau/families that experience disadvantages across generations.

Visit website[/vc_hoverbox][/vc_column_inner][/vc_row_inner][vc_row_inner gap=”30″ class=”qm-white-boxes-green-border”][vc_column_inner width=”1/3″][vc_hoverbox image=”2088″ primary_title=”” hover_title=”The Good Registry” shape=”square” hover_background_color=”white” css_animation=”flipInX” el_class=”qm-flip-box”]The Good Registry gives thousands of New Zealanders the power to do good, with donations to causes they care about (like Ngā Tāngata Microfinance), instead of unnecessary or unwanted gifts.

Visit website[/vc_hoverbox][/vc_column_inner][vc_column_inner width=”1/3″][vc_hoverbox image=”3551″ primary_title=”” hover_title=”Nikau Foundation” shape=”square” hover_background_color=”white” css_animation=”flipInX” el_class=”qm-flip-box”]Nikau Foundation’s mission is to build reliable funding streams for long-term community transformation. It does this by supporting organisations such as Ngā Tāngata Microfinance who work directly with communities throughout New Zealand.

Visit website[/vc_hoverbox][/vc_column_inner][vc_column_inner width=”1/3″][vc_hoverbox image=”3552″ primary_title=”” hover_title=”Foundation North” shape=”square” hover_background_color=”white” css_animation=”flipInX” el_class=”qm-flip-box”]As a funder of large and small community initiatives, Foundation North supports Ngā Tāngata Microfinance to help improve the financial stability of families and whānau living in Aotearoa New Zealand.

Visit website[/vc_hoverbox][/vc_column_inner][/vc_row_inner][vc_row_inner gap=”30″ class=”qm-white-boxes-green-border”][vc_column_inner width=”1/3″][vc_hoverbox image=”3772″ primary_title=”” hover_title=”The Rātā Foundation” shape=”square” hover_background_color=”white” css_animation=”flipInX” el_class=”qm-flip-box”]The Rātā Foundation strives to support communities so that nothing gets in the way of its people being able to make the most of life. They have supported Ngā Tāngata Microfinance in their community outreach work in the upper South Island regions.

Visit website[/vc_hoverbox][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]