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    How to Apply for Bursaries in South Africa

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    The coronavirus pandemic came as a shock and brought along so many changes in the lives of people across the globe. Businesses were closed, people lost their jobs, and the economy took a ride down a steep hill. Students also felt the impact of the changes in the areas of affording their fees and other school needs. Some of their parents/guardians still have no source of income or have insufficient funds to sponsor their children’s academics. This is where bursaries come in. Just like scholarships, they have been in the scene for years to enable students to further their education.

    This article discusses what bursaries are in South Africa, where to get a bursary, a list of some bursaries, eligibility criteria, and how to apply for bursaries in South Africa.

    What is a bursary in South Africa?

    A bursary is a study program that an individual or a company sponsors to help students further their studies. Bursaries are given to students who meet the specific qualification requirements and cannot afford the cost of education. The individual or company provides financial assistance to enable the student to further their studies in their preferred areas of study. Most bursary programmes gift the students financial assistance and do not expect anything in return. However, some bursary programs specify that students have to work for them for the same period as that covered by the bursary programme once they complete the programme.

    Bursaries can be fully funded. This means that the bursary covers the student’s full cost of education to further their studies. While other bursaries are partially funded. This means the bursary is simply an addition to the amount that the student or legal sponsor has to pay. Either way, bursaries ease the financial burden and make it easier for students to go through school.

    Undergraduate programmes are usually partially funded. Nonetheless, some are fully funded. Postgraduate students can also get bursaries and it is of great help to them since their fees are usually on the high side.  Bursaries cover study-related expenses such as the cost of accommodation, tuition fees, examination fees, meals, transport, study materials, and books. Some bursary programmes even offer students laptops to help them with their studies.

    The individual or company, or organisation that offers the bursary may require the students to work for them after completing the study programme. This is a plus for the students because they have immediate employment upon completion of the study programme, and they will gain experience. The sponsor is not left out as they will have an employee who they are certain is well-trained and can attest to the students’ credibility. These students, turn workers, are knowledgeable and can get work done with little supervision. The industry gains skilled workers which give it a competitive edge in the global market. It is a win-win for all parties.

    Where can I get a bursary in South Africa? 

    Before looking for bursaries in South Africa, decide what career path you want to take. They go after the bursaries in that line and apply for them. Talk to people who previously or are currently enjoying the benefits of a bursary program to walk you through the steps and help you seek bursaries. You can also search the internet for bursaries, and you are sure to find a couple of them that you are eligible for. Here are places where you can find bursaries in South Africa. Contact them through email, their website, or telephone.

    • The Department of Higher Education and Training on their website www.careerhelp.org.za/funding or its other website that has scholarship programs for South Africans who wish to study in other countries www.dhet.gov.za/internationalscholarships/index.html 
    • Bursaries South Africa at www.zabursaries.co.za
    • All Bursaries South Africa at allbursaries.co.za
    • Banks
    • National Student Financial Aid Scheme (NSFAS) at www.nsfas.org.za
    • Universities and Universities of Technology

    Bursaries in South Africa

    Here is a list of some of the current bursaries that are available to students studying or planning to study different programs in South African institutions. Go through the list, and you may find one you can apply for.

    • Cecil Renaud Bursary
    • Genesis Analytics Bursary
    • Vodacom Merit Bursary
    • Weir Minerals Africa Bursary
    • National Agricultural Marketing Council Bursary
    • Compensation Fund Bursary
    • Africa WETU Foundation Bursary
    • Sanlam Actuarial Bursaries
    • ISFAP bursary Funding
    • Nedbank External Bursary
    • Khulisa Academy Bursary
    • Tomorrow Trust Tertiary Bursary
    • DSI-CSIR Bursaries
    • Ninety One Changeblazers Undergraduate Bursary
    • ABSA BMI Bursary
    • Citrus Academy Bursary
    • Hatch Bursaries
    • Anglo American POlatinum Bursaries
    • Moore SAICA Trainee Bursary
    • UFS Honours Bursary
    • merSETA Bursaries
    • WK Construction Bursary
    • Independent Field Adviser (IFA) Bursary Scheme
    • SAMSTIP Teacher Internship Bursaries
    • Shoprite Bursaries
    • Columbus Stainless Bursaries
    • SEIFSA Bursary
    • Exxaro Bursary
    • Jakes Gerwel Fellowship
    • Mediclinic Bursary
    • Fulbright Foreign Student Scholarship
    • LegalWise Bursary
    • Embassy of France in South Africa Bursary
    • Department of Water and Sanitation (DWS) Bursary
    • Coronation Exceptional Student Bursary
    • Schwarzman Scholarship
    • Legal Practitioners Fidelity Fund Bursary
    • Council for Scientific and Industrial Research Bursary
    • South African National Space Agency (SANSA) Bursary
    • Investec Tertiary Bursary
    • Margaret McNamara Education Grant Bursary
    • South African National Seed Organisation (SANSOR) Bursary
    • Canon Collins: RMTF Scholarships for Postgraduate
    • FEDISA Future Vision Bursary

    What do you need to qualify for a bursary?

    Bursaries usually have specific eligibility criteria that students have to meet depending on what the sponsor or bursar wants to see in the student receiving the bursary. Students should carefully assess the clauses that come with the bursary and compare it to other available bursary options. That way, the student will make an informed decision on the bursary that is suitable. It is advisable to only apply for bursaries that meet the full eligibility because your application will not be considered if even one criterion is lacking.

    Here is a list of general requirements that you need to qualify for a bursary in South Africa.

    • You have to be a South African national or a permanent resident living in South Africa.
    • You have applied to study a program in an accredited institution in South Africa or you are presently studying on one.
    • You have to show you have financial needs. Submit your household income as proof of your financial need.
    • You plan to study a certain programme or are currently studying a programme that is within the limits of the bursaries programme requirements.
    • You have a history of getting excellent grades in school. Some bursaries require that you have excellent grades in specific subjects such as Science and Mathematics.

    You have to submit the required documents either by post, fax, email, or in-person delivery depending on what method the bursar specified. Here are the documents you need to submit when applying. Ensure they are authentic because false documents will disqualify you from the bursary programme.

    • Certified copy of your birth certificate or identity document
    • A certified copy of all your academic achievements which can include your Matric certificate if you have completed Matric or your latest results if you are currently in Matric).
    • Full academic record if you are in a higher education institution.
    • Proof of your household income to show that you have financial needs. It is your parent/guardian’s proof of unemployment or proof of income.
    • Submit proof of your residence of the bursary is only for students living within a particular locality.
    • Submit proof that you have applied to or have registered at a tertiary institution in South Africa. It should have the school’s letterhead.
    • Submit the death certificate of your parents if they are of late.
    • Submit a doctor’s certificate if you are permanently disabled.
    • Send in a motivational letter about why you deserve the bursary award. This includes how it will benefit you and the bursar.

    How to apply for bursaries 

    • Meet all the requirements that are stated in the above section and any other requirement that is specific to the bursary in question.
    • Carefully read through the bursary application form and fill it with any information that is required of you. If you have difficulty understanding a certain section, contact the bursary office to get clarified.
    • Fill the bursary online application form if it is available. If not, then download a copy of the application form and submit it.
    • Send in the required documents to serve as proof.

    Read Also: Funza Lushaka Bursary Application

    NB:

    • After completing the bursary application, go through it carefully to ensure that you filled in the right information at every stage. Provide strong reasons why you deserve to get the bursary and how you can benefit your benefactor in the future.
    • Go straight to the point and be transparent about your financial situation and how much you can spend in a year. Give a clear picture of any financial hardship you are facing and how it is affecting you. This will improve your chances of getting the bursary. Do not inflate the amount and do not decrease the amount of your household income because you will come across as a dishonest student. This may completely disqualify you from the bursary program.
    • Late entries are a sure way to be disqualified. Find out the bursary dates and apply as soon as you can. Benefactors do not consider late entries.

     

    Funza Lushaka Bursary Application

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    Knowledge is like gold. It changes lives. Confucius, China’s most famous philosopher, said that a man who asks a question might look like a fool for a minute, but the one who does not ask will be a fool for a lifetime. Knowledge really is power. Teachers have this power in their hands.

    They touch lives and shape futures by spreading wisdom. Yet, some people shy away from becoming teachers. The reason is often that it costs quite a lot of money to study at university and earn the right to go into a classroom and spread the light of knowledge. Often people with a love for children, a ton of patience, and a keen interest in education would come along, but their dreams of becoming teachers came to an abrupt end because of a lack of funds.

    The decline of student numbers for introductory education courses was cause for concern for the South African education authorities. They realized they had to do something and came up with bursaries to help students become teachers with the money. They learned a full-cost bursary for the right candidate had become a necessity.

    The Funza Lushaka Bursary Programme covers accommodation costs (including meals), tuition, study material, and an R600 per month grant to cover other expenses. The bursary only has to be repaid:

    • if the recipient does not qualify or
    • fails to make an application with a provincial education department for a teaching position at a public school or
    • does not complete any of the bursary agreement requirements or
    • leaves a post before the end of the service period.

    This Bursary Programme is aimed at promoting teaching as a profession and strives to equip the right people for teaching in public schools. The Department of Basic Education heads it, and the funds come from the National Treasury. It is administered by the Student Financial Aid Scheme (NSFAS). It enables eligible candidates to complete a full teaching qualification in an area of national priority.

    This bursary’s creation had the desired effect, and interest in initial teacher education programmes at universities increased. Recently the focus has changed from solving the problem of not enough students being interested in studying to become teachers to meeting another challenge. Students still did not enrol in numbers for the subjects and school phases in which the need was the greatest.

    Recipients of these bursaries will have to teach at a public school for a timespan equal to that for which they received the bursary. Recipients of the bursary are assigned to a school and cannot choose where they want to teach. Only applicants who are accepted into either a BEd or PGCE qualification at a university will be considered.

    Funza Lushaka General criteria

    To be successful in the application, the candidate must meet specific criteria. These include:

    • The applicant must be a South African citizen, 30 years old or younger, with a valid ID and no criminal record .
    • Applicants charged with misconduct or anyone who have been dismissed from work do not qualify.
    • No Higher Education Institution employee or immediate family members will be accepted.
    • The applicant must be academically competent and have a desire to work with young people.
    • Candidates must be committed to teaching in the school to which they are appointed by a Provincial Education Department.
    • Apply online. No hard copies will be accepted.
    • Candidates must print the online application once it is completed.
    • No-one with any other teaching qualification will qualify.
    • Candidates who will have an edge in the process of selecting bursary recipients are those from rural areas or who wish to teach in rural areas, as well as candidates who would otherwise be excluded from obtaining a teaching qualification because they do not have the necessary funds.

    Funza Lushaka Candidate Requirements: 

    Three groups of students may apply

    • Learners in Grade 12;
    • Graduates who have as their aim to complete a postgraduate education qualification.
    • People who have a desire to become teachers.

    The subjects included in the applicant’s course play a significant role in the allocation of bursaries. Applicants will only qualify if they have included two priority area subjects as a specialization. Full details about this and other requirements can be found in this Link in PDF format.

    Funza Lushaka Application Date

    Applications for the Funza Lushaka bursary are open from 1 October annually and close at midnight on 11 February

    Bursary Application Closing Date: 28 February (New applications)
    & 29 November (Re-applications)

    How to apply for The Funza Lushaka Bursary:

    • Go to www.eservices.gov.zaRegister by filling in the necessary personal information.
    • When you log in, use your password and user name that you chose when you registered,
    • Select Funza Lushaka Bursary Scheme
    • You should have received an OTP. Enter it.
    • The Terms and Conditions will be listed. Accept them.
    • Click on the Application-option.
    • Follow the instructions on the screen and complete the required fields.
    • Accept the declaration.

    Also Read: How To Apply For Teaching Assistant Jobs

    How to track your Funza Lushaka application status

    1.  click here to go to the Funza Lushaka Website

    2. Provide your login details; username, and password

    3. Click the Login button

    4. Check your status

    How to Apply for a Student Loan

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    Student loans are loans that are designed to help students pay for tertiary education expenses.

    Higher education in South Africa is quite expensive, and student loans are a viable option for students from low-income households and cannot afford to pay for their university or college tuition.

    How do student loans work?

    A student and a parent apply for a loan. The loan is approved upon an agreement that the parent will be paying the interest amount of the loan on a month-to-month basis while the student is studying. Once the student graduates and begins to work, they will then be required to pay the loan’s remaining capital amount.

    Student loans in South Africa

    There are three main types of student loans that you can apply for in South Africa.

    Bank sector student loans

    These are student loans that you can apply for through a bank. Most major banks in South Africa offer student loans. However, the interest rates in bank sector student loans are usually higher.

    You can apply for these loans by filling in the online application forms on the respective banks’ websites.

    • Absa student loans
    • Standard Bank student loans
    • Student Loan – FNB Loans – FNB
    • Nedbank Student Loan

    Private student loan providers [FUNDI]

    Private institutions like Fundi provide a solution to access higher education at an affordable cost for students who may not have qualified for loans from funding institutions or traditional banks.

    Fundi loans provide funding for the following:

    • Accommodation
    • Educational tools and devices (e-books)
    • MBA funding
    • Short courses

    How to apply for a Fundi loan?

    Go to the official Fundi website www. Fundi.co.za and fill in an online application form with all the required documentation.

    Here is a list of requirements that need to be adhered to qualify for a Fundi student loan:

    • The student/parent must have a permanent job
    • Clear credit score
    • Copy of certified South African ID
    • A letter of employment
    • Latest payslip and three months’ bank statement

    Student loans through government funding institution [NSFAS]

    Nsfas provides financial assistance in the form of a bursary to qualifying students at TVET colleges and public universities.

    The Nsfas bursary covers:

    • Registration
    • Tuition

    And allowances for:

    • Accommodation
    • Learning material
    • Personal care

    How to apply for a NSFAS bursary

    • Step 1: Go to www.nsfsa.org.za and click on the “myNSFAS” tab
    • Step 2: Create a myNSFAS account
    • Step 3: Click on the “APPLY” tab and fill in the application form
    • Step 4: Upload the required documentation, then click on “submit”. Required documentation:
      • Certified copy of your ID or birth certificate
      • ID copies of parent/guardian
      •  Proof of income [combined household income must be less than 350,000 per year]. If you are a SASSA grant recipient, no proof of income will be required.

    A reference number will be sent to you via SMS after you submit your application; you can use this reference number to check your application status at any time.

     

    How to Calculate your Pension Fund

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    In South Africa, many people work well into retirement. Whether that’s a choice to keep busy or because most people are grossly under budget for retirement is debatable. But, what isn’t debatable is that to survive retirement without having to compete with South Africa’s high youth unemployment for jobs, you need to know how much you have in your pension fund and start making plans to save more, if necessary.

    Step by Step Guide to Calculate Pension Fund

    If you want to know exactly how much you have contributed to a pension fund, it’s time to pull out your payslips and look over your employer’s pension fund contribution. Your employer’s pension fund contribution will depend on your salary in addition to the fund your employer chooses to contribute to, as each fund has criteria that the contributors – in this case, your employer – have to comply with.

    Step 1: Prepare Your Payslips

    The amount your employer contributes will be available on your payslip. It may differ month to month if you have a commission-based job or complete shift work. For that reason, you can add every monthly contribution together. Alternatively, you could ask the HR department or payroll department what your annual contribution is to a pension fund to save yourself the time of having to calculate it manually.

    Another trick would be to look through your tax returns. If your employer provides information to SARS about your pension fund contribution, the annual figure will be available on your ITR12 tax return, which you can access through e-filing.

    Since SARS also has an extensive archive of returns, you can determine how much you have contributed if you got a promotion or changed jobs without having to dig up every payslip in the history of your career.

    Step 2: Calculate The Total

    Once you have your payslips ready, your historical tax returns or information from HR, you can add the total of each annual contribution. If you have also made any contributions, this would be the time to add those.

    Don’t worry if you’re slightly off; these estimates will help you better plan your retirement savings.

    If you need more accurate figures, you will need to contact your provider.

    Step 3: Add Interest

    Since your pension contribution goes into a fund, you should also add the effective interest rate to get a complete view of how much you have in retirement savings. Most funds will either invest in unit trusts – a low-risk option – or international and local funds that also carry minimal risk. For example, Old Mutual’s Retirement Annuity options give you an annual interest rate of between 5% and 8%. You can contact your retirement fund provider to get an annual interest rate.

    Determine If You’re Saving Enough

    Once you know more or less how much you have in your pension fund, it’s time to determine if that’s the ideal figure based on your age and stage of life.

    Relying on being able to work in old age can be detrimental to your health and could be difficult to sustain. Whereas the old people’s grant, which is currently just under R2,000 a month, isn’t enough to cover rising electricity, petrol, and food prices, especially if you’ve gotten accustomed to the kind of money you will earn having a full-time job for most of your lifetime.

    Multiply Your Needs By 300

    To get an idea of how much you would need at retirement, you can multiply your currently monthly income by 300. So, if you live comfortably on R30,000 a month, in retirement, you would need R9 million. However, that figure can differ as you wouldn’t need to pay for expenses like school fees and the cost of raising dependents if you have any. However, this calculation factors in inflation. While you may not have the expenses associated with youth, by the time you retire, the value of R1 will have decreased significantly.

    Once you know how much you need to retire based on this calculation, you should subtract your current age from the age of retirement. The result is the number of years you have to save before retiring.

    Then multiply the number of years by 12. This figure will be the number of months you have left before retirement – and will help you determine how much your monthly contribution should be toward retirement. After you’ve completed this process, divide the amount you need by retirement by the number of months left until you retire to discover how much you need to contribute every month.

    Also Read: How to Get Funding for a Start-up Business in South Africa?

    Consider Using a Pension Fund Calculator

    If you don’t want to put in the effort to determine how much you should be saving in a retirement fund, there are pension fund calculators that make the process simpler. These calculators give you a rough idea of what your financial needs will be like at retirement, in addition to how much you can expect to get at retirement based on how much you put aside each month. Many calculators will also display potential retirement products once you complete the information in the calculator.

    Sanlam Pension Fund Calculator

    The Sanlam Pension Fund requires you to enter your personal details. You need to input your gender, age, retirement age, pretax income, existing retirement savings, and monthly contributions. The calculator also needs you to insert how much income you want to receive every month at retirement age. The calculator will then reveal the deficit – if any – to achieve a comfortable retirement.

    Old Mutual Retirement Fund Calculator

    Old Mutual’s calculator requires you to input your age, the amount you have saved in retirement funds, current monthly contribution, and monthly income into the calculator.

    The calculator will then tell you how much you’ll receive a month at retirement based on the information you provided, in addition to how much you’ll need a month to continue living comfortably in retirement.

    GEPF Benefits Calculator

    If you are or have ever been a government employee, you’ll need to use the GEPF benefits calculator to determine how much you have in retirement savings. Unlike other calculators on this list, the GEPF calculator will reveal how much you’ll receive at retirement.

    When using the calculator, input your initials and surname, followed by your date of birth. Then accept the terms and conditions.

    You will then need to enter your service date and exit date in addition to what you would like to calculate (in this case, retirement).

    If, for some reason, you need a precise figure detailing how much you have in retirement funds, compile a list of every former employer – where you did not transfer funds or withdraw benefits. Then contact the HR department to determine which fund they contributed to on your behalf. Using this list, you will need to contact each fund, either fax or email your details, before you can access details about the fund. Using this information, you can calculate how much you have in your pension fund and decide if you would like to consolidate these figures into one.

    How to Compile A Top CV And Nail the Job Interview

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    Many South Africans find themselves in a position where they need work because they’re unemployed or want to find new jobs because they are dissatisfied with their current employer. However, given the competitive nature of South Africa’s job market, you need to have a CV that stands out – and once you’re in, know how to nail the job interview. To help you do this, we have created a detailed guide on how to compile your CV, in addition to tips on how to nail the job interview.

    How Do You Compile a CV in South Africa?

    Even if you have the qualifications or skills required for a job, you may not get a callback or an interview if your CV doesn’t meet the standards expected by the employer or agency. For that reason, compile your CV in a manner that shows off your strongest traits.

    List Your Details

    There should be a section on your CV that includes your details. This should include your phone number, email address, and name and surname. You can also add your physical address. However, given that South Africans regularly travel out of the suburb they reside for their jobs, adding your physical address isn’t necessary.

    Tip: Below your details, you can also include the title of the job you are applying to, as this shows employers that you are the right person for the job.

    Summarise Your Work Experience

    Summarising your work experience is not necessary. However, it can help recruitment agencies and HR departments review your CV. This summary will be one or two sentences that condense the information on your CV into a byline that sums up your work experience.

    Detail Your Work History

    After the above sections, you should include your work history. Format it like this:

    The position you held, the name of the company where you worked, followed by the month and year you worked there.

    Then you should add two or three concise bullet points detailing what you did in the job and the responsibilities you had.

    If you do not have a lengthy work history, add volunteer experience or even leadership roles you held in high school or college.

    Add Your Education and Qualifications

    Beneath your work history, add the qualifications and education you have.

    You should add the name of the qualification, the school or body where you received the qualification and the year you received the qualification.

    For example: Matric, St Cyprian’s College, 2005.

    Display Your Language Skills

    Since South Africa has eleven official languages, you may want to include your skill level for each language you can speak, write or are fluent in.

    Include a List of Soft Skills

    Beyond your education and qualifications, you should also include a list of soft skills. You can place this anywhere on the document. But, closer to the top is usually advised.

    In addition to soft skills, you can also add systems that you are proficient in.

    Add One or Two References

    At the very end of your CV, add the contact details of one or two references. If you want to, you can add the individual’s job title as a reference to give your CV some relevance.

    How Long Should Your CV Be?

    Regardless of how long you’ve been working, your CV should never be more than two pages. Ideally, you want to fit all the most critical information on one page so that agencies and internal recruitment staff can review the CV. Besides, a short CV makes it easier for a manager or employer to ask questions about your CV when you are being interviewed.

    Tips to Have a Successful Job Interview

    If you’ve created a winning curriculum vitae, you will most likely get a call for an interview. The interview determines whether or not you will get the job, so work on putting your best foot forward.

    Before The Interview

    These are some of the steps you should take before going for the interview. They will help increase your confidence on the day of the interview.

    Research The Company

    Smaller companies frequently hire workers. So, if you are being interviewed by a smaller company, it helps knowing more about the company, like who its founders are and what are the company’s values. Smaller companies tend to have a lengthy interview process that could include an interview with senior executives – or the CEO – and requires that you impress them.

    Prepare for Common Interview Questions

    Most interviewers will ask the same questions about your work history, experience, and skills. Since they are interviewing several different candidates, you want to keep your answers short yet memorable. You don’t have to rehearse your answers, but try to have some talking points you want to mention and then create a list of questions you would like to ask at the end of the interview.

    Some of the questions asked at interviews include:

    • Why do you want this job?
    • Why should we hire you?
    • Tell me about yourself?
    • What are your strengths/weaknesses?

    Take Practice Aptitude Tests

    If you haven’t been to a job interview recently, you may be surprised to find out that many businesses rely on aptitude tests to determine if a candidate is right for the job. For that reason, you may want to familiarize yourself with some common aptitude tests before the day of the interview.

    Day of The Interview

    While preparation helps you feel confident in the interview room, what you do on the day of the interview reflects on your character and professionalism and is the most important first impression.

    Dress Appropriately

    You don’t need to be wearing a three-piece suit to an interview. However, you should dress appropriately. This means that even if the company you’re applying to work for has a casual dress code, you will still dress professionally.

    A shirt tucked into slacks with a neat hairstyle and appropriate shoes are ideal. You can add personality with small touches like a watch, scarf, or cardigan.

    If you’re wearing makeup, use neutral colours.

    Arrive On Time

    You want to be waiting for the interviewer, not the other way around. Therefore, try showing up to the interview at least 10 minutes prior. If you are driving, add time to your commute to account for traffic and parking at the venue.

    For A Remote Interview

    Since the country – and the world – is still battling a pandemic, the company you apply to may conduct remote interviews. If this is the case, there is proper etiquette you need to follow to have a successful remote interview.

    Have Good Lighting and Audio

    You may want to test your audio and lighting before the interview to see if you look good and if your audio is clear. Consider using a headpiece or in-ear earphones to improve your audio. Also, your face should be lit up sufficiently. Try putting a lamp – with a daylight bulb – behind your PC, or sit in front of a window. Test different techniques if the room you are sitting in is dark.

    Check Your Internet Connection

    If the position is for remote work, be sure your internet connection is fast and reliable. You can check this before the interview by completing a test run with a friend.

    Remember that having faster speeds shows the interviewer that if you were working from home, you would have the necessary bandwidth to do the job, and it also shows employers that you are committed to working.

    Sit in a Quiet Area

    While you may think it’s a good idea to go to a coffee shop to get faster internet speeds, be warned: that is a bad idea. Not only could you be interrupted at any time, but the background noise and movement also makes it appear that you are unprofessional.

    After following these tips to compile your CV and nail the job interview, you will be one step closer to getting the job you are applying for.

     

    How to View and Pay AARTO Traffic Fines Easily Online

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    Many South Africans may not be aware that road infringements were criminalised and processed as part of the Criminal Procedure Act before the Department of Transport’s recent changes to traffic violations.

    Now that the phased introduction of the Administrative Adjudication of Road Traffic Offences (AARTO) system is in full swing, South African road users will no longer be criminally penalised by most common road infringements. Besides not being criminally prosecuted, they can expect to make considerable savings if they know how to view and pay AARTO traffic fines online.

    The first part of the phased introduction of AARTO is to make viewing and paying for traffic violations easier. The AARTO has partnered with many retailers to create service outlets but has also been working with online service providers in the hope that more drivers will pay their traffic fines on time.

    Where To View AARTO Traffic Fines Online

    The most significant incentive to view and pay traffic fines online is that you could benefit from a 50% reduction in cost. This reduction is available if you pay your traffic fine within a specific period – 32 days after receiving the initial infringement notice.

    The AARTO has committed to delivering the infringement notice by registered mail. However, many drivers find that they either have not received the notice or received the notice too late, making it impossible to benefit from savings.

    Furthermore, many drivers aren’t aware that they have committed a road infringement, possibly because the violation was captured by a traffic camera or someone else was driving the vehicle when the infringement took place. For that reason, knowing where to view AARTO traffic fines online is ideal.

    This list of online service providers shows the most commonly used platforms to view traffic fines for free online.

    AARTO.gov.za

    The simplest method to view your traffic fines is to create an account with AARTO.gov.za.

    Step 1: Start by visiting AARTO online portal and clicking on ‘Register’ at the top right side of the screen.

    Step 2: Select if you are an individual driver or registering as a proxy for a company. 

    Step 3: Fill in the required details and complete the registration process.

    Step 4: You will now be able to search for traffic infringements.

    PayCity

    For the municipalities where PayCity works, it has become a go-to for many drivers. The service is convenient, modern, and easy to use, and they have telephonic support if you need it.

    On PayCity, viewing your fines is free. However, there are fees if you want to pay your fines using the service.

    To view fines using PayCity, you can follow the steps below.

    Step 1: Visit the PayCity Website.

    Step 2: Click on ‘Register‘ at the top right side of the screen.

    Step 3: Input your name, surname, email address, and password.

    Step 4: On your dashboard, click on traffic fines and add your ID number, company registration number, or foreign identification.

    Step 5: You will now be able to see your outstanding fines.

    ViewFines.net

    ViewFines.net has valuable features in that – if your traffic offence is caught on camera – you may be able to see the image. This will help you decide if you should dispute the offence or if you want to nominate another driver.

    However, not all traffic infringements have an accompanying image. Nevertheless, you can still view your traffic infringements and the information about each traffic infringement on viewfines.net. Then, from there, you can make arrangements to pay. But, to view your traffic infringements, you will need to create an account:

    Step 1: Visit viewfines.net

    Step 2: Click on ‘Login/Register at the top right side of the screen.

    Step 3: If you don’t have an account yet, click on ‘Don’t have an account yet? Get Started‘ beneath the login section.

    Step 4: Fill in your ID number and other personal details to create an account.

    Step 5: Access your dashboard to find any outstanding fines.

    How to Pay AARTO Traffic Fines Online

    Once you’ve been made aware of a traffic violation, it makes sense to want to pay it immediately or – at the very least – make payment arrangements with the AARTO. Considering that if you don’t make payments – or a payment arrangement – within those first 32 days, you could be liable for penalties of up to R300 besides the cost of the initial infringement.

    Although there may be plenty of options to view your traffic violations online for free, there aren’t that many service providers that enable you to pay your traffic fines online for free.

    Many service providers allow you to pay your traffic fines, either at a once-off cost or part of a subscription model that comes with additional perks. The list below details where you can pay AARTO traffic fines online.

    Internet Banking

    All of South Africa’s major banks – FNB, Standard Bank, Capitec Bank, Nedbank, and ABSA – allow their customers to pay their traffic fines online, using the online banking portal. FNB also enables users to pay for traffic fines via cellphone banking.

    Nevertheless, if you’re using your online banking portal, use the navigation menu to find the section for traffic fines. You can then pay for the fine using your ID number to search for the fine or the traffic violation number.

    Cost: This will be subject to the type of account you have with your bank or any additional service charges.

    PayCity

    PayCity is the most convenient option as they provide you with notifications of new traffic infringements and calculate the potential savings if you decide to pay sooner.

    However, to pay using PayCity, you will need to sign up for an account, and there is no way to pay your fine for free using this platform.

    Cost: If you have not signed up for a subscription with PayCity, you will be subject to a R10 ‘convenience’ fee every time you pay using PayCity. However, subscriptions start at R130 a year and include perks like getting real-time notifications of traffic infringements as well as reminders to pay fines.

    There are also mechanisms to pay traffic fines offline. If you find yourself in retailers like Pick n Pay, Checkers, Shoprite, Boxer, and some Spars, you can pay your traffic fines at the till point.

    It can be more convenient – and cheaper – if you’re already at the shop. However, if you need to go out of your way to visit a retailer, it’s better to know how to pay your AARTO traffic fines online.

    Road Signs in South Africa With Their Meaning

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    Anyone who wants to get their driver’s license will need to know the road signs in South Africa. Not only for the safety of other road users but also because knowledge of the road signs is integral to getting a learner’s license.

    Road Signs

    However, even if you are not taking a learner’s license test, as a seasoned driver, you may have forgotten some of the more obscure road signs and need a refresher. Therefore, this guide on road signs in South Africa with their meaning will help you on your journey.

    Hand Signals

    When you’re on the road, you may see or use the following hand signals. All of these hand signals need to be completed by the driver out of the driver’s side window. However, you cannot use any of the hand signals on a highway unless it’s an emergency.

    Stop

    To signal that you’re stopping, put your hand out of the window with your elbow bent at a 90-degree angle and your fingers facing upward.

    Right Turn

    Place your arm out of the window in a horizontal position, with your palms facing forward.

    Left Turn

    Put your arm out of the window with your arm bent downward and your hand facing downward. If you’re on a motorcycle, you will only need to put your left hand out.

    Guide Signs

    You may see guide signs on highways and main roads. These signs are there to give information regarding the route and direction in addition to giving guidance about distance and direction to amenities, points of interest, suburbs, or cities.

    For example, you may see a sign directing you to a city with the distance in kilometres next to the city.

    Regulatory Signs

    The purpose of regulatory signs is to control traffic flow in addition to actions drivers should and should not take; they give direction on a driver’s legal obligation regarding parking, driving, and prohibited actions. Because of this, these regulatory signs are divided into six categories:

    • Control signs
    • Command signs
    • Prohibition signs
    • Comprehensive signs
    • Reservation and parking reservation signs
    • Selective restriction signs

    Control Signs

    Control signs are some of the most common regulatory signs and include:

    • Stop Signs: These signs show you when stopping is necessary and include the five main types of stop signs. Stop, double stop, and stop (person turning left yields or gives way), 3-way stop, 4-way stop.
    • Yield Signs: These signs are meant to show whether you must yield and for what you would need to yield. These signs are usually red and white with a triangular shape and include the classic yield sign, yield and giveaway to a pedestrian, yield or giveaway at a roundabout, and yield and giveaway to oncoming traffic.
    • No Entry: This is a large red circular sign with a white line in the middle. It prohibits entry to a road or destination.
    • Priority Zone: Whenever you see a man in the middle of a red diamond square, that means that the zone you’re in is a pedestrian priority zone.
    • One-Way Zone: An arrow in a red rectangle shows you the direction in which you should travel down a one-way road.

    Command Signs

    Command signs are blue and white in colour and circular in shape. These signs tell you what you have to do or what is allowed in a specific zone. Some of these command signs are obscure; however many are rather common. These include:

    • Cyclist and Pedestrians Only: This sign shows that only pedestrians and cyclists are allowed in a specific zone. The side the pedestrian or cyclist is on coincides with the lanes pedestrians and cyclists should be on.
    • Pedestrians Only: Only pedestrians should be allowed in this zone.
    • Motorcycles Only: Only motorcycles are allowed in this zone.
    • Buses Only: The sign includes an image of a bus and shows that only buses are allowed in a specific zone.
    • Cyclists Only: You may see this sign in a cycle lane and reveal that every other type of transportation is prohibited.
    • Delivery Vehicles Only: If you see a sign with a bakkie with two boxes on top, that shows that only delivery vehicles are allowed in that zone.
    • Goods Vehicles Exceeding 3500kg Only: An image with a truck reveals that only good delivery vehicles exceeding 3,500kg are allowed.
    • Goods Vehicles Exceed 10 Tonnes Only: An image with a truck with three wheels and 10T on the truck shows that only goods vehicles over 10 tonnes are allowed.
    • Keep a Minimum Speed: If you see a blue circular sign with a double-digit on it, but no letter means you have to keep a minimum speed of that km/h.

    There are 40 command signs in total. Which include roundabout signs, tram only signs, and keep left signs.

    Prohibition Signs

    Many of these signs will be red and include a line drawn through the middle, prohibiting certain types of vehicles, manoeuvres, or activities. There are 40 prohibition signs, which include:

    • Hawkers Prohibited: If you see a sign with a person and a table with an umbrella with a line drawn through the middle, this means hawkers are prohibited. Any hawking could lead to a fine.
    • Right Turn Prohibited: An arrow pointing right, w
    • Parking Prohibited: Any red sign with a capital p and a line drawn through the middle means parking is prohibited.
    • Stopping Prohibited Any red sign with a capital s and a line drawn through the middle means stopping is prohibited.
    • Taxis Prohibited: This sign refers to metered taxis and services like Uber and Bolt. The sign will include a forward-facing car with a box on top.
    • Overtaking Prohibited: If you see a sign with two cars side-by-side and a line drawn through it, this means that overtaking is prohibited in those zones.
    • U-Turn Prohibited: An upside-down U with an arrow at the end and a line drawn through it means that making a U-Turn is prohibited.

    Reservation Signs

    These signs may refer to a lane or a parking spot and show that the space is allocated for a specific vehicle or driver. If you don’t meet the criteria for the driver or vehicle shown, you could receive a fine. You can discover some of the reservation signs below:

    • Reserved Lane for Buses: This blue, rectangular sign with a graphic of a bus and a yellow line beside the bus indicates that the lane is reserved for buses.
    • Reserved Lane for Bicycles: You’ll find this sign in bicycle lanes. Like other reservation signs, it’s also blue, white, and rectangular and will have a capital r beneath a bicycle.
    • Reserved Lane for Ambulances and Emergency Vehicles: The capital r beneath what looks like a minibus taxi with a capital A on the vehicle means that the space is reserved for ambulances and emergency vehicles.
    • Reserved for Vehicles with Disabled Passengers: A capital R beneath a wheelchair means that space is reserved for vehicles containing disabled passengers.
    • Reserved for Police Vehicles: The police badge on top of a capital R means that space is reserved for police vehicles.

    It’s important to note that not only could you receive a fine, but using these spaces could cause harm or injury to those the spaces are reserved for or could damage your vehicle.

    Warning Signs

    These signs don’t carry any regulatory punishment but do show that danger lurks ahead and that you should be aware and cautious. There are several warning signs for learner drivers to study. Some of them include:

    Unprotected Jetty Edge

    The sign that depicts a car falling into the water means that you are nearing an unprotected jetty edge. This means that if you are not cautious, your vehicle could end up in the water.

    Children Ahead

    If you see a sign with what appears to be a child and parent holding hands, this means that there are children ahead, and you should drive cautiously to avoid causing an accident.

    Upcoming Crossroad

    This rectangular, red, black, and white sign with a cross in the middle means that you are approaching a crossroad and should be vigilant.

    High Accident Zone

    The words “high accident zone” will be legible on this sign and mean that you should be aware that you are in a zone where accidents frequently occur.

    Baboons

    You may see an exclamation point with the word baboons beneath it or see a graphic of a baboon. This sign is an attempt to warn you to be cautious when driving as baboons may be crossing the road and can cause accidents.

    Slow Down

    Any sign on the side of the road with the term “slow” in capital letters is warning you to slow down. There could be construction, a steep curve, or several other factors that could put you in danger if you are driving fast and are not alert.

    Traffic Light Ahead

    This red triangle with a traffic light in the centre reveals that a traffic light is coming up. This could mean that vehicles ahead of you may stop suddenly.

    Drive Cautiously During Wet Conditions

    If you see a sign with a vehicle veering off the road and tyre tracks behind it, this means that the surface of the road is slippery and can result in accidents if you’re not cautious.

    For more assistance with learning the road signs, you should consider downloading the K53 App on Google Play. The app is free to download and teaches you over 700 road signs in addition to conducting simulated testing that can help you pass your learner’s license. Alternatively, you can visit the K53 website for more information about their books and which one would be best suited to your desire to get your learner’s license.

    Universal Branch Codes For South African Banks

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    In a world where convenience and efficiency have become paramount, the banking sector in South Africa has taken significant strides in streamlining processes for its customers. One of the most remarkable innovations that help both businesses and individuals is the introduction of Universal Branch Codes. This banking feature has revolutionized how we make transactions, eliminating much of the hassle associated with traditional branch-specific codes.

    But what exactly are universal branch codes, and why do they matter to the everyday South African? Let’s dive into the story of how these codes became essential to the banking landscape and what you need to know to leverage them.

    What Are Universal Branch Codes?

    Universal branch codes are a standard set of numbers used by banks to simplify transactions. Traditionally, every bank branch had its unique code, and if you wanted to make a transaction—whether paying a bill or transferring funds—you had to find and input the specific code of the bank branch in question.

    For example, if you were transferring money to someone using Standard Bank, you needed to know not just the account number but also the branch code specific to where the account was opened. If there is a slight mistake, the funds could be delayed or even lost.

    To simplify this process, South African banks adopted universal branch codes—a single code that can be used for all transactions within a particular bank, regardless of the branch location. No more memorizing or looking up multiple codes! This streamlined approach makes it easier and faster for individuals and businesses to conduct transactions.

    Why Universal Branch Codes Matter?

    Let’s face it—when it comes to banking, speed and accuracy are crucial. Whether you’re running a small business in Johannesburg or managing personal finances in Cape Town, being able to transfer money effortlessly is key to financial success. Universal branch codes are more than just numbers; they represent a shift toward ease of use and reliability in banking.

    1. Convenience: You don’t have to know or search for specific branch codes every time you make a transaction. This is especially helpful when paying suppliers, receiving payments, or transferring funds online.
    2. Reduced Errors: Gone are the days of accidental errors caused by inputting the wrong branch code. Universal branch codes mitigate this risk, ensuring your money ends up in the right place.
    3. Efficiency: By using one standardized code, banks can process transactions faster, reducing the waiting period for payments to reflect.

    Now that we’ve set the stage, let’s explore the universal branch codes for some of the major banks in South Africa and how they benefit you as a customer.

    South Africa’s Major Banks and Their Universal Branch Codes

    If you’re using any of the major banks in South Africa, you’ll be pleased to know that each has its own universal branch code. Let’s break down the codes for some of the key players in the South African banking industry.

    Bank Universal Branch Code
    Absa Bank Universal Branch Code 632 005
    African Bank Limited Universal Branch Code 430 000
    Bank of Athens Universal Branch Code 410 506
    Barclays Bank Universal Branch Code 590 000
    Bidvest Bank Limited Universal Branch Code 679 000
    Capitec Bank Limited Universal Branch Code 470 010
    Discovery Bank Limited Universal Branch Code 679 000
    First National Bank Universal Branch Code 250 655
    FirstRand Bank Limited Universal Branch Code 201 419
    HSBC Bank Universal Branch Code 587 000
    Investec Bank Limited Universal Branch Code 580 105
    Mercantile Bank Limited Universal Branch Code 450 905
    Nedbank Universal Branch Code 198 765
    Old Mutual Universal Branch Code 462 005
    Rand Merchant Bank Universal Branch Code 261 251
    RMB Private Bank Universal Branch Code 222 026
    Sasfin Bank Limited Universal Branch Code 683 000
    SA Post Bank (Post Office) Universal Branch Code 460 005
    South African Bank of Athens Limited Universal Branch Code 410 506
    Standard Bank Universal Branch Code 051 001
    Standard Chartered Bank Universal Branch Code 730 020
    Tyme Bank  Universal Branch Code 678 910
    Grindrod Bank Limited Universal Branch Code 223 626

    The Transition: From Traditional to Universal Codes

    The move from branch-specific codes to universal branch codes didn’t happen overnight. It was driven by the increasing need for a simplified, digital-first approach to banking. Back when traditional branch codes were the norm, banks realized that customers were spending too much time trying to find the right code, which often led to failed transactions or delays.

    With the rapid adoption of online and mobile banking in South Africa, the traditional model became inefficient. Banks had to rethink the way they approached transactions, and the universal branch code was born as part of a broader digital banking revolution.

    This shift came at the right time. By the late 2000s, more and more South Africans were embracing online banking, and universal codes became a tool to empower customers to take control of their finances more conveniently.

    Benefits of Universal Branch Codes

    The impact of universal branch codes on everyday banking has been profound. Let’s look at the top benefits and why they’ve become a cornerstone of modern banking.

    1. Simplified Online Transactions

    In a time where mobile and online banking dominate, universal branch codes reduce the stress associated with manual banking entries. Whether you’re using your mobile banking app or paying bills online, a single code makes things simpler.

    2. Cross-Branch Flexibility

    With traditional codes, transferring money to someone in a different city meant knowing their specific branch code. Now, with universal codes, you can send money across branches seamlessly.

    3. Cost and Time Savings

    For businesses, time is money. The ability to automate payments using universal branch codes cuts down on administrative overhead and reduces time spent double-checking transactions.

    4. User-Friendly

    Banking should not be complicated, and universal branch codes make it user-friendly. Even people with little knowledge of how banking works can easily make payments, which is crucial in a country where banking literacy is still growing.

    How to Use Universal Branch Codes in Practice

    Using a universal branch code is as easy as entering it during an EFT (Electronic Funds Transfer) transaction. Here’s a step-by-step guide:

    Login to Your Banking App or Internet Banking

    • Access your account via your preferred method.

    Navigate to the Payments/Transfers Section

    • Find the option where you can make payments or transfer funds to another account.

    Enter the Universal Branch Code

    • When prompted to enter a branch code, use the universal code of the recipient’s bank. For example, if you’re transferring to an ABSA account, simply enter 632005.

    Confirm Details

    • Ensure all the details, including account number and amount, are correct. Double-checking prevents any mishaps.

    Complete the Transaction

    • Once everything looks good, click “Submit” or “Transfer.” Your payment should process seamlessly.

    Conclusion

    Universal branch codes have truly revolutionized the banking industry in South Africa. No longer do we need to memorize or search for specific branch codes—one code does it all. As digital banking continues to evolve, this innovation shows that even small changes can have a monumental impact on customer convenience and efficiency.

    The next time you’re making a transfer or paying a bill, remember the power of the universal branch code. It’s a simple but vital tool that makes banking in South Africa more accessible, accurate, and efficient for everyone.

    Embrace the future of banking—one code at a time!

    UJ Registration

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    To register at UJ in 2025, all you need to think about is being offered an opportunity to study at one of the world’s best Universities. Lectures, mentors, and students at UJ make a huge difference across Africa and the rest of the world. The school has provided well-structured programs, facilitates, and an award-winning academic team, gearing towards equal opportunity and seeing a better world ahead.

    How to Register at UJ 2025

    It takes a few seconds to register at UJ.

    Log into the link that takes you to the registration portal—link.uj.ac.za—using your credentials, which include your student name and password.

    Click on the classes tab and my registration on the IT Enabler

    Read through the school policies, rules, and regulations; once done, you accept and proceed to submit all required documents.

    Fill in your personal details and submit the registration.

    Once all is done, you are eligible to add your courses or subjects to the registration.

    At UJ, once your registration is done, you must use your proof of registration to pick up your student ID card unless you already have one. – Very simple

    UJ Online Registration 2025 Dates

    The transformation and dynamic changes within the institution have made registration at the University of Johannesburg very modest. Registration begins on 17th January 2025 and ends on 11th February 2025, both online and also within the campus. As part of creating an enabling environment in UJ, off-campus registrations are allowed for continuing or returning students. You will only be granted space or room if you register on the appropriate date or a given date. Sometimes, the registration date is adjusted to make administrative and other protocols work better, and in this case, the extension date is communicated to all students.

    Does NSFAS Pay the Registration Fee At UJ?

    Are you looking to apply to UJ to study? Are you wondering if NSFAS can support you financially regarding your fees and other expenses?

    NSFAS, known as the National Students Funding Scheme Aid Scheme, is a bursary institution that seeks to support students looking to study at a public university or TVET. This institution has been a great hallmark in supporting needy students in paying their fees and all other necessary expenses. They even provide an allowance for students.

    The good news is that NSFAS pays registration fees at UJ. The university and NSFAS have built a strong rapport to support students within South Africa. In 2022, NSFAS supported over 14,000 students to enable them to register for their academic year.

    Students agreed to the (NSFAS) National Student Financial Aid Scheme bursary and accepted registration fees included in the bursary.

    Students are not required to pay any registration fee or expenses related to their academics; they only need to clarify that NSFAS is funding them.

    The (NSFAS) National student financial aid scheme does not give refunds to students who pay their registration fees themselves. Whether you are a fresher or continuing student, NSFAS will not reimburse you for the registration fees.

     

    WITS Online Registration

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    You don’t need to join the queue to get your registration done. Our guide will make your registration process easy and give you an insight into the various steps. Whether a returning student/senior or new, you must register online for your academic work at WITS.

    How To Register At WITS Online

    In our modern world with technological advancement, educational institutions are building an internal system to make administrative work easier and prevent delays and frustration. Life has to be easy in this computer age.

    Check the eligibility of your faulty and confirm the registration dates

    • Log into the self-service portal for WITS students.
    • By doing so, type in self-service.wits.ac.za.
    • Click on the online registration link.
    • The registration process for WITS begins every semester in the first week of January.
    • Fill in your personal details and verify before proceeding
    • Always ensure you get the right curriculum, select the right courses and submit.

    With WITS, if you have a flexible curriculum, you need to click the choices button, validate and enrol and submit.

    Make sure to submit all of them to the self-portal and get your proof of registration.

    You could add other activities to your registration process, including societies, clubs, parking, and more.

    WITS go paperless to ensure all registration processes are smooth and hassle-free.

    WITS Online Registration 2025 Dates

    In the past years, WITS registration dates were not really specified. International students were required to visit the international student office before the commencement of the academic period. You must get a clearance certificate as part of your registration before getting a specific registration date.

    The transformation at WITS in 2014 changed the system, making it more stress-free. The self-service portal made registration easier, and students had a maximum of three weeks to complete all registrations.

    The University of Witwatersrand begins around 20th January and ends by the end of 15th February but it also depends on your faculties. However, the agreed timeline to complete registration is always between 20 to 25days

    WITS Online Registration Requirements

    WITS has a home self-service platform that enables all local or international students to register for courses while off-campus. All faculties are allowed to register online to ensure all applications go through.

    Wits introduced its new online registration process in 2015 to avoid queues and students moving from one department to another.

    You need to have these three things before registration on WITS by SMS or self-service by accepting the offer, ensuring all upfront fees have been paid, and the last thing is to confirm you have no outstanding fees from the previous academic year.

    WITS Registration Fee 2025

    At WITS, all fees must be paid within 14 days of starting the course or semester. Sometimes, you can pay once courses have been released from the various faculties. It is not obligatory to attend lectures before proof of payment is submitted to the faculty or department.

    The standard amount to pay at WITs for registration fees is R9340, which applies to all students. There are different platforms to pay this amount, such as cash or credit card, all within the Wits fees office across all campuses.

    Do WITS Accept NSFAS?

    One of the biggest bursaries in South Africa that supports students in terms of tuition and hostel fees. The National Students Financial Aid Scheme is a government organization solely made to provide aid to South African students under their constitution. As part of their policy programs, NSFAs support all institutions across South Africa. In this view, WITS has no obligation to reject funds from NSFAS. These sorts of financial aids are meant to support the institution in the long run and also help with youth development in terms of education.

    How Do I Apply For NSFAS AT WITS?

    Ever since the introduction of NSFAS in tertiary education in South Africa, application for funds within the NSFAS has been stress-free. You need the right documents and information to put in your application.

    To Apply for NSFAS at WITS, you need to visit NSFAS.org.za and click the myNSFAS tab.

    Ensure you provide your details to create the account with NSFAS.

    • Click the apply button and fill in the sections on your screen.
    • You are required to upload all necessary documents for your application to be processed.
    • Click submit to complete your application.

    You can also download the forms online manually, fill and submit them via the NSFAS email, which is apply@nsfas.org.za

    The maximum period for NSFAS is six weeks and does not exceed seven weeks. Under no circumstances would your application be held for investigation unless it’s a forgery or you are not eligible.