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Ngā Pae o te Māramatanga’s Te Arotahi series provides expert thought, research and focus to a specific critical topic area to support discussion, policy and positive action. Te Arotahi is delivered as an occasional paper series. 1 te Arotahi Series Paper MARCH 2020 - 05 I INTRODUCTION Māori have lower levels of household income, assets and rates of saving than non-Māori households in Aotearoa New Zealand (Statistics New Zealand, 2016; Torrie & Bailey, 2017). Between 2014 and 2015 the Ministry of Business, Innovation and Employment and Te Puni Kōkiri released two reports promoting Māori financial literacy and saving: Financial Literacy and Savings and Whānau and Low-income Household Savings (Te Māngai Penapena Pūtea—Financial Literacy and Savings Partner Working Group [TMPP], 2014, 2015). The latter points to a “pressing demand to build a greater degree of tikanga Māori and Māori cultural values concerning wealth into financial literacy services offered in New Zealand, including the recognition of what ‘wealth’ means to different groups” (TMPP, 2015, p. 5). These reports also note a lack of research to inform the development of programmes and interventions. Taking up that challenge, we embarked on Taking Control: Māori Responses to Money Management, Wealth and Saving (hereafter “Taking Control”), an exploratory study to identify howtikangaMāori (Māori practice/custom) andMāori cultural values concerning wealth could be embedded in financial literacy training. Asecondary aimwas to trial culturally tailored spending diaries for promoting self-reflection and behaviour change among Māori. This scoping study sought to generate and test ideas but, as action research, was at the same time an intervention to help participants (see Houkamau, Stevens, Oakes, & Blank, 2018). Twenty self-selected (mainly low- income) Māori who were aged 15–65 and resident in one of two South Auckland communities completed either five or seven two-hour weekly workshops. These workshops were significantly adapted forms of Commission for Financial Capability (CFFC)¹ Sorted Resilience Workshops. The two subgroups kept daily spending diaries for the whole 12 or 14 weeks of the study. Workshops were designed and delivered We report the findings of an exploratory study of 20 Māori who participated in a 12- or 14-week programme which used Commission for Financial Capability Sorted Resilience Workshops adapted to align with Kaupapa Māori principles. The study incorporated tikanga Māori and culturally tailored spending diaries. Analysis of diary and narrative data shows that effective financial education for Māori should acknowledge coloniser/colonised values, whanaungatanga and relational wealth. Despite the study’s limitations, the breakthrough changes in money use by participants permit cautious policy recommendations, the foremost of which being the conducting of further research. Embedding Tikanga Māori into financial literacy training for Māori He aha te mea nui o te ao? He tāngata, he tāngata, he tāngata What is the most important thing in the world? It is people, it is people, it is people Carla Houkamau (Ngāti Kahungunu, Ngāti Porou, Ngāi Tahu) University of Auckland Business School Alexander Stevens (Ngāti Kahu, Ngāpuhi), Commission for Financial Capability Danielle Oakes (Waikato, Whakatōhea), Te Ahi Kaa Indigenous Training Solutions Marino Blank (Ngāti Kahungunu, Ngāti Porou), Auckland Council

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