World Development Foundation · Internal Reference

Who does what, and in what order

The duties and workflow of Kgotlello, Nomfundo, the Monarch graduate and the WDF graduate — as the system actually enforces them, not only as policy.

What Monarch offers → — the plans, what they pay, and every course and product, read live from the catalogue.

27 July 2026 · Prepared by Nosipho, Chief Operations Technology Officer · Corrected to the order Mr Mnguni confirmed: the graduate captures first

Two companies, one church

Every church that joins gets two graduates, one from each company. They do completely different jobs and answer to different people.

Monarch Finance Group sells to people — the pastor, church members and community members as households. Education, financial products, healthcare and discounts.

WDF serves the church as an institution — its website, landline, the app, compliance and funding.

The two do not overlap, and the systems keep them apart: Monarch's reviewers have no tracker login at all, so WDF's churches, payments and money are never exposed to another company. A reviewer also never sees the other company's deliberation on a candidate.

The wall now has no exceptions. Monarch's screens once showed WDF's liaison officers — names, regions and verification status — because an early duties sheet listed them. Mr Mnguni confirmed on 27 July 2026 that this was a mistake, and it has been removed. Liaison officers are WDF's field force and are WDF's business alone.

Monarch Finance Group

Who reports to whom

Monarch’s own chart. Three people above, one graduate below, serving two groups.

Kgotlello Financial Wellness Manager

Khumbulile Head of Curriculum

Nomfundo Assistant Portfolio Manager

The graduate Graduate Trainee · Portfolio Administrator

Congregational Care — Pastoral Care Students

Congregational Care — Members

Reporting runs down. The work runs up, then back down.

The chart above is who answers to whom. It is not the order the work travels in, and confusing the two is the mistake worth naming.

The work starts at the bottom. The graduate is the one sitting in the congregation, so the graduate captures the household first. It goes up to Nomfundo, who decides what that client qualifies for, and comes back down to the same graduate, who tells the client. Kgotlello oversees the whole of it.

The graduate answers to both Khumbulile (for the studies) and Nomfundo (for the household).

Monarch Finance Group

Kgotlello

The final word on money. Nothing that costs a household a monthly payment goes live without him.

Kgotlello

Financial Wellness Manager · Final Approver

Answers to Mr Mnguni

His screen opens on

Approvals — every product a graduate has sold that cannot go live on its own, oldest first, with the household’s own income and expenses beside it.

He decides

Every product that costs a household money monthly, or touches their debt — pension, life cover, funeral cover, banking, salary protection, medical aid and the credit products.
The products on a household’s assessment sheet. Choosing what a family will carry is the affordability decision.
Graduate candidates — the final Accept, Queue or Reject. This sits behind his Graduates tab: it is an occasional task, not his job.

Rules he works under

A decline must carry a reason. The graduate has to be able to tell the client why, and it stays in the record.
At least two products per household. Below that the screen warns him — it never blocks. The call is his.

He also monitors — watching only

The candidate pipeline, the sign-up book, and where Monarch’s graduates sit across the provinces.

Monarch Finance Group

Nomfundo

The middle of the chain. She decides what each household qualifies for.

Nomfundo

Assistant Portfolio Manager

Answers to Kgotlello

Her screen opens on

The congregation — every member, filtered by where the work stands: still to capture, waiting on her, back with the graduate, delivered. Each row names which church the person is from and which graduate captured them.
Graduate applications are not on this screen. They sit in their own Graduates tab, so her main screen is the work, not a pile of CVs.

She reads what the graduate captured

The four documents — ID copy, completed application, household budget, three months’ proof of income. She can see at a glance which are missing.
The household budget, already added up — income, expenses and what is left over each month. She reads a figure rather than doing sums on a phone while a family waits. A half-filled budget is marked as incomplete, because a partial sheet still totals up and would otherwise look finished.

Education is NOT hers to decide

The student chose their own course when they applied to Destiny. Her sheet shows that choice; she cannot pick one for them, and the system refuses a course sent from her screen. A second answer here would contradict the one the student already gave, with nothing to say which is real.

Then she decides what they qualify for, across the other three areas

Financial Inclusion — pension, life cover, funeral cover, banking, salary protection
Health Care Support — medical aid, hospital plan, day-to-day doctor, household nurse visit
Discounts on Essential Needs — grocery, bread, hairdressing, credit products, Wifi

Then she sends it back down

What the client qualifies for goes back to the same graduate, who takes it to the client. She cannot send back an empty recommendation, and she cannot finalise a household the graduate has not captured yet — there would be nothing to work from.

Her other two tabs

Churches — the churches that have committed, and are therefore open to Monarch. No amounts, no balances, no payment history: the wall holds, and the only fact crossing it is this church has settled with WDF, so you may work it. The number worth watching is not the total but how many committed churches have no graduate yet — churches WDF has already been paid for that nobody is serving.
Graduates — applications, with a qualifying criteria tick-list beside the CV. She asked what she was supposed to be ticking, and the honest answer was that nobody had ever written it down: the only checklist on that screen asked whether a household had its documents, which is a different question from whether a person can do the job.

She cannot

Approve or decline a product. That is the Financial Wellness Manager’s, and the system refuses her.
See WDF’s money. Not amounts, not balances, not who owes what — only whether a church is fully paid.

Monarch Finance Group

Khumbulile

The studies. Every student Monarch is training, across every church.

Khumbulile

Head of Curriculum

Answers to Kgotlello

Her screen opens on

Students — everyone enrolled through Monarch, with the church they come from and the one skill of seven each has chosen.

What she watches

The four compulsory modules and the chosen skill for every student.
Which skills the congregations are actually picking — the curriculum picture nobody could see before.
The graduate reports up to her on the studies, and to Nomfundo on the household.

She cannot

Approve or decline a product. Her side is the training, not the money.

Monarch Finance Group

The Monarch graduate

Where the chain begins. They are the one sitting in the congregation.

The Monarch graduate

Graduate Trainee · Portfolio Administrator · one per church

Answers to Nomfundo and to Khumbulile

Their screen opens on

Their own congregation — who is still to visit, who is waiting on the manager, and who has come back with a recommendation to be taken to the client. The come-back pile is the urgent one: a family is waiting to be told.

They capture the household — this is where it starts

Everything the brochure asks for, written down in their own words.
The four documents — ID copy, completed application, household budget, three months’ proof of income. Missing ones are recorded, never blocking: a graduate must be able to send up what they do have, and the manager sees the gaps.
The household budget — salaries, grants, rent, electricity, food, funeral, medical, personal loan instalments, and how many people depend on that income. The loan line matters more than it looks: it is often the largest single payment a household makes, and the one most likely to go unmentioned — leaving it out makes a family look far more affordable than they are. Without this the assessment is incomplete and the manager cannot judge what a family can actually afford.
A capture with nothing written in it is refused — it would give her nothing to work from.

Then, once it comes back down

They tell the client what they qualified for and record that it was done. The loop closes with the client, which is the whole point of it.
Sign up pastors, church members and community members against a target of 200.
Switch on training and discounts immediately — nothing to underwrite.
Pick up sales that arrive on their own when a member buys from their own Monarch card; those land on this graduate’s book flagged NEW.

They cannot

Activate anything financial, healthcare or credit. It waits for Kgotlello.
Sell cover without a care plan. The plan is what pays for it.
Set a price. Plan prices live in one place and are never typed into a screen.

How the work actually travels

The graduate captures the householdIn the congregation, face to face: the family’s details, the four documents, and the household budget. This is where it starts — not with the manager.
It goes up to NomfundoShe reads what was captured, with the budget already added up and any missing document showing.
She decides what they qualify forWhich funeral cover, which products, across the four Congregation Care areas — judged against what that household can afford.
It comes back down to the same graduateWith her recommendation and her notes attached.
The graduate tells the client“This is what you qualified for.” The loop closes with the family, not in an office.

Kgotlello oversees all of it, and approves anything financial, healthcare or credit before it goes live.

World Development Foundation

The WDF graduate

Their job is to make sure everything WDF promised the church is actually delivered — and to say so, task by task.

The WDF graduate

Church administration & delivery · one per church

Answers to Tinny

They do

Administer the church's R500/month admin fee. The church pays it; this graduate monitors and administers it. It is not a salary paid to them.
Confirm WDF's delivery to the church — 24 tasks across four stages, covering the website, the landline, the app, compliance and funding. They mark a task done and add a note.
Run the attendance register at services, including adding members by hand who have no smartphone — the elderly, and anyone without a phone at all.
Raise the church's admin work — a website update (which reaches Katlego), a telephone issue, or an accounting question.

They watch, but do not touch

Katlego's six. Telephone Landline, Social Media Setup, Flyer Design, Poster Design, Photography and Video Editing are watch-only — they see done or not done, and nothing more.
Anything behind a payment gate. If a church has not reached the payment stage that unlocks a task, the graduate cannot tick it either — the same rule staff themselves work under.

The 24 tasks they confirm

theirs to mark done Katlego's — watch only

Foundation 6 tasks

NPC Name Reservation NPC Name Registration Logo Design Website Build Social Media Setup Church System Registration

Applications & Systems 10 tasks

PBO Application SARS Tax Returns Household Affordability Study Aid Application Capture Church Members Telephone Landline Flyer Design Poster Design Photography Video Editing

Implementation 5 tasks

Bursary Recruitment Funding Application Church Leader Stipends Equipment & Sound System Renovations & Building

Operational 3 tasks · every year

AR CIPC Annual Return AR SARS Annual Return Beneficial Ownership Filing

Worth naming

The last stage is recurring, not once-off. CIPC and SARS annual returns and the beneficial ownership filing come round every year for the life of the church — the graduate's job on a church does not end when it is set up.

How the WDF graduate's month runs

Walk the boardGo through the church's 24 tasks and confirm what has actually been delivered — not what was promised.
Mark and explainTick what is done and leave a note. Katlego's six are watched, not touched.
Run the registerOpen the service register, read out the code, and add by hand anyone without a phone.
Administer the R500 admin feeTrack the church's monthly admin fee and keep it current.
Raise what is stuckA website update, a telephone fault, an accounting question — raised from their console, worked in the tracker.
Report to TinnyShe is their reviewer and the person they answer to, and she holds the money side for WDF.

How a graduate gets the job

The same route on both sides, with different people deciding at the end.

The graduate appliesThey do not choose a company. That is deliberate.
The pastor recommends themTo Monarch or to WDF, with a written motivation.
That company reviewsMonarch: Kgotlello decides, from his Graduates tab. WDF: Tinny decides.
Accepted — the console opensA Monarch graduate is handed to Nomfundo automatically, so nobody falls through the gap between being chosen and being managed.

What makes a graduate qualify

The list beside the CV. The first three are Mr Mnguni’s own (27 July 2026): the post is for a graduate, and matric alone was passing as qualified. The rest were drafted by us and are still to be confirmed.

Why it is one list, in one place

It decides whether someone gets a job. Typed into a screen it would drift, and two screeners would quietly apply two different standards. Changed in one place, it changes every screen at once.

Actually a graduate — a completed post-school qualification, not matric only
Administration background — office admin, records, reporting
Commerce background — business, finance, accounting or economics
Worships at, or is known to, the church they would serve
Has a smartphone and can use it
Able to travel around the region
Presentable, and can hold a conversation with a household
Numerate — can complete a budget sheet unaided
No conflicting financial-services role elsewhere

Who decides what

The short version, for settling an argument.

Decision	Graduate	Nomfundo	Khumbulile	Kgotlello
Capture the household	Yes	—	—	—
Collect the four documents	Yes	—	—	—
Capture the household budget	Yes	—	—	—
Decide what they qualify for	No	Yes	—	—
Send it back to the graduate	—	Yes	—	—
Tick the CV criteria	—	Yes	—	Yes
See which churches have committed	—	Yes	—	Yes
See WDF’s payment amounts	No	No	No	No
Tell the client the outcome	Yes	—	—	—
Start training & discounts	Yes	—	—	—
Approve a financial product	No	No	No	Yes
Watch the students	Own church	—	All churches	—
Final call on a candidate	—	No	No	Yes
Set a price	No	No	No	No — catalogue only

How the money works

Settled with Mr Mnguni on 27 July 2026.

The care plan pays for everything. Monarch’s three plans — Basic R299, Standard R389, Premium R499 — are all-inclusive. The financial products (pension, life cover, funeral cover, banking, salary protection) and the healthcare cover carry no separate charge. The household pays the plan and these come with it.

So a care plan comes first. The system will not put a financial or healthcare product on anyone’s book until they hold a plan — without one, nothing is paying for the cover. The graduate is told exactly that when they try.

Nobody sets a price by hand. Not the graduate, not the Portfolio Manager, not the Financial Wellness Manager. Plan prices live in one place and one place only.

What the plans actually pay

From Monarch’s July 2026 brochure — the first document to carry real cover limits.

Basic R299 · Standard R389 · Premium R499 a month, plus a R120 once-off registration fee. The only difference between them is the funeral cover: R10 000 · R15 000 · R20 000. Everything below is identical on all three.

Benefit	What it pays	Pre-auth
In-Hospital Accident	Up to R475 000 per member per event, max R1 500 000 a year	Required
In-Hospital Illness	R70 000 per member per event, max R500 000 a year	Required
Casualty (Accident)	R30 000 per policy per year	Required
Post-Hospital Rehab	R10 000 per member per event	Required
Accidental Death	Main member R15 000 · adult dependant R10 000 · child dependant R8 000	—
Also included	Monthly nurse visit · 24-hour emergency · free repatriation in SA · grocery discounts at Pick n Pay, Checkers and Shoprite	—

The thing everyone must know

Four of the five hospital benefits need pre-authorisation. A member admitted without phoning Monarch first can have the claim turned down. That condition existed only on paper — it was on no screen at all — so it now appears against every benefit a member or a graduate looks at, and again as a plain warning on the plan itself.

Where the pamphlet differs

Worth knowing before it is handed to a pastor.

Corrections

It is a marketing brochure, not a product list. Items printed on it as separate products — the hospital plan, the household nurse visit, grocery discounts — are what comes inside the three care plans, per Monarch’s own application form.

“Financial Management” should read “Financial Literacy” — confirmed by Mr Mnguni.

Home Based Care is missing from it but is offered in the app and on the official form.

Two skills are missing from it: Music / Dance / Art and Soccer / Netball. Both are now offered in the app, so an applicant chooses one of seven skills.

Two Canva text faults in the Congregational Education box: a bullet orphaned on “Learners & Drivers License”, and “Construction Management” breaking outside the card.