The Programme

'Practical finance for entrepreneurially-minded people.'


a unique online course
created by Johannesburg School of Finance
in the 'ABC' of Business and Financial Acumen

incorporating the highly-acclaimed "Banango Traders" business simulation game

for entrepreneurs, corporate employees, students and scholars, individuals, families - anyone keen to strengthen their business sense and financial skills.

Experiential learning at its best!

Have fun by playing as you learn!

Prove your business skills by beating the computer and getting into the Hall of Fame!

ABSOLUTE BUSINESS "CENTS" teaches you about business strategy, financial management, entrepreneurship and personal finance.

You will

  • receive valuable learning material;
  • earn certificates of achievement to enhance your CV;
  • manage and grow your own virtual business;
  • be able to complete the whole programme online.


The five levels of ABSOLUTE BUSINESS "CENTS" and your time commitment are:

   1    Starter        'Business is Business' 1-2 hours in your own time
   2  Learner 'Making Profit' 2-3 hours in your own time
   3  Tutor 'Profit and Cash Flow' 3-4 hours in your own time
   4  Advanced 'Managing Growth' 9-12 hours over six weeks
   5  Expert 'Return on Investment' 15-20 hours over six weeks

How to Register for the Programme

Certification, Accreditation and Verification          

At each level as you progress towards becoming an expert, you will receive certificates of achievement to enhance your CV.
Completion to Tutor Level will earn you a Certificate in Business "Cents" from Johannesburg School of Finance.

Completion to Expert Level will earn you a Certificate in Business Acumen and Entrepreneurship from Johannesburg School of Finance.

ABSOLUTE BUSINESS "CENTS" is offered exclusively
through Johannesburg School of Finance (JSF), a private
sector training company based in Johannesburg and
accredited through FASSET, the South African Sector and Education Training Authority for Finance, Accounting, Management Consulting and Other Financial Services (accreditation number 585/00187/05). See 
All results and certificates will be recorded in the JSF database and JSF will verify qualifications on request.

The "Banango Traders" Business Simulation:

A banango is an imaginary fruit that looks like a banana and tastes like a mango.
In this computer-based game, you will buy and sell banangoes to compete against other players while growing your imaginary business and trying to get into the Hall of Fame.
Along the way you will learn a great deal about business strategy and financial management.

The "Banango Traders" simulation has been used with great success in corporate and school training programmes for the past 20 years. To date over 200 000 people have experienced it. 

For an introduction to the Starter Level of  "Banango Traders", watch this 4-minute video and play a trial round.

The Cost (incl VAT)


To Learn and Play

To Receive a Certificate
      Starter Level Free    Free
  Learner Level Free    R49 (about $4)
  Tutor Level R99 (about $8)    Included
  Advanced Level R 499 (about $40)    Included
  Expert Level R 999 (about $80)    Included
  • There is no time limit for completing the programme; you may continue your studies whenever it suits you. You may also stop at whatever level you would like to stop.
  • On successful completion of the Tutor Level, you will receive a Certificate in Business "Cents".
  • On successful completion of the Expert Level, you will receive a Certificate in Business Acumen and Entrepreneurship.

How does the programme work, in summary?  

  • Register yourself in less than 3 minutes
  • Log in to your personal dashboard immediately for instructions and learning material
  • Watch short explanatory videos
  • Read well-designed concise chapters on key topics
  • Test your understanding and earn certificates with interesting online quizzes
  • Put your knowledge and skills into practice immediately in a realistic business simulation game designed specifically for teaching business acumen and entrepreneurship
  • Work online in your own time and at your own pace wherever you are
  • Receive email feedback from your tutor
  • Interact with other delegates from around the world
  • Learn, earn (if you want to), and have fun!

     How to Register for the Programme.

Earning income from

Once you have completed the Tutor Level, you could become a programme tutor and earn a tutoring fee.

So not only will you learn a huge amount about these essential life skills but you will have the chance to become a real entrepreneur – a “banangapreneur” - very quickly, irrespective of your age, location, knowledge level or business experience. All you need is some enthusiasm to learn and earn at the same time. But there will be no requirement to do so and we will not pressurize you to do so at all. It will be entirely up to you.

About the creator of “Banango Traders®”

Peter van Ryneveld, director of Johannesburg School of Finance, has Masters degrees in Economics and Law and is a CFA® charterholder. He spent the early part of his career in equity research and asset management before setting up his own consultancy practice in 1990. He is the founder member of Johannesburg School of Finance and, in addition to managing the company through all the ups and downs of small business life, has for the past 25 years been designing and presenting courses on a wide variety of finance and finance-related topics to an even wider international audience of young and older people from all backgrounds. His clients include multinational financial institutions and corporations, national and private pension funds, small businesses and corporate executives. He is the co-author of "The Essentials of Retirement Fund Management in South Africa 1993-1994" and has been a TV presenter on the programme "Your Own Business". Building financial skills and confidence to give people more chances of success in their careers and their lives is his work-related passion.

How to Register for the Programme.