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Building Financial Capability Plus

Building Financial Capability Plus (BFC Plus) is an intensive service aimed at helping people, families, and whanau with multiple and complex needs who are experiencing (or at risk of experiencing) extreme financial hardship. It is a holistic approach to building financial resilience that acknowledges financial issues don’t occur in isolation of people’s wider social needs.

BFC Plus is currently available at 14 locations with the highest deprivation in Aotearoa New Zealand as identified through an analysis of relevant data sets. These communities are:

  • Whangarei
  • Kaitaia
  • South Auckland
  • West Auckland
  • Hamilton
  • Tauranga
  • Rotorua
  • Gisborne
  • Whanganui
  • Palmerston North
  • Lower Hutt
  • Porirua
  • Christchurch (2 providers)
  • Invercargill.


Providers contracted for BFC Plus services are responsible for employing a full time equivalent (FTE) to deliver this service, who are called Kahukura.

Kahukura work with clients who meet specific criteria, which includes multiple disadvantages. They work within a strengths-based framework to support clients, families and whanau to achieve their well-being goals. Kahukura practice follows Tikanga Maori and Pacific frameworks which have been developed to deliver optimum client experience.

Kahukura carry out three key tasks:

  • Intensive one-to-one case management with clients, families and whanau.
  • Navigation and co-ordination services.
  • Building holistic capability within their communities through their clusters.

They are accountable for:

  • Contributing to the improved wellbeing, social and economic inclusion outcomes of our clients
  • Reducing people’s financial vulnerability to a variety of unexpected shocks.

Guidance and resources for providers

A range of guidance and resources are available for providers. This includes the BFC Plus Service Guidelines, reporting methods, and Client Outcomes measurement methods.

Your feedback

We are always keen to hear your feedback about these resources so please email us at

Archive: BFC Plus Interim services

From 2017 to 2019, while the current BFC Plus Kahukura model was being co-designed, some BFC core service providers received a slightly higher session rate to deliver BFC Plus Interim services.

The BFC Plus Kahukura model was developed through the co-design, to meet the needs of people with multiple and complex needs. Gap analysis identified a real need to provide a holistic support service beyond the support that was delivered through the interim service.

All contracts to deliver the BFC Plus Interim service ended 30 June 2019.

Background: This 2018 FAQs sheet gives an overview of the changes at that time.

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