Poverty & Inclusion Community & Social Justice
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Christians Against Poverty New Zealand (CAP NZ)

CAP New Zealand 2024 Impact Report (2023 Activity)

CAP New Zealand is a faith-based debt relief charity helping individuals and whānau escape debt and financial hardship. In 2023, 133 clients went debt free, 1,048 people attended free CAP Money financial literacy courses across 109 churches, and the Client Rights Advocacy team secured NZD 431,000 in savings across 44 cases — averaging NZD 9,800 per client. CAP operates through local church debt coaches and a national support team.

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Debt freedom: 133 clients became debt free in 2023, with 9 in 10 remaining clear of unmanageable debt a year or more after leaving CAP Custom geography from upload: Auckland (national)

Key Metrics

Key Metric 1 133 clients debt free; 1,048 CAP Money course participants; 32 additional clients left able to manage remaining debt independently
Key Metric 2 Network of church-based debt coaches; national support office staff; 109 churches delivering CAP Money
Key Metric 3 NZD 431,000 saved in debt repayments; NZD 47,000 refunded to clients via Client Rights Advocacy

Key Outcomes

  • Financial literacy: 1,048 people completed free CAP Money courses across 179 sessions in 109 churches, with 3 in 4 reporting an improved relationship with money
  • Client rights advocacy: 44 successful cases secured NZD 431,000 in debt savings and NZD 47,000 in refunds for clients exploited by predatory or non-compliant lenders

Geography

International

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