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Whānau grapple with inefficient Kainga Whenua loan process

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The Kainga Whenua loan scheme was created to make building a home on Māori land easier, but it's been an uphill battle for one East Coast whānau.

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Kainga Whenua loan process needs streamlining Te Karere TVNZ Manu Caddie Tarsh Koia Miria Koia Maioha Koia Irena Smith Kainga Whenua confront contend cope deal with attack battle catch clash clasp close clutch combat encounter engage face fasten fight grasp grip hold hook hug nab nail scuffle seize snatch struggle tackle take tussle do battle take on agree avoid cancel disconnect dodge free give idle let go liberate lose make peace misunderstand offer open receive refuse reject release retreat run stop support surrender unfasten unlock yield argue bang heads brawl buck conflict cross swords differ disagree feud fret gall grapple grate mix it up quarrel raise Cain row try war wrangle match please make happy harmonize consent abstain give in clashes brooch buckle clamp clench clinch clip embrace fastening fibula hasp pin safety pin snap misunderstanding misconception bear hug coll concatenate connect enfold glom onto press squeeze loose disbelieve loosen clasped clasping Grapples Alphabet Mafia Grapple along alongside amidst among beside for including near plus upon accompanying concomitant with additionally also as companion as well at same time besides coupled with furthermore in addition to likewise moreover side by side simultaneously too far separate apart by all of by the whole of in association with in connection with in the class of in the company of mutually out of together with with one another outside away from a step from abreast of adjacent to adjoining aside at the edge of at the side of bordering on cheek by jowl close at hand close to close upon connected with contiguous to fornent in juxtaposition nearby neck and neck neighboring next door to nigh opposite overlooking round verging on at the hand of in the name of over supported by through through the agency of through the medium of under the aegis of via with the assistance of along with among other things as well as counting in conjunction with inclusive of made up of not to mention rejecting excluding W.I.T.H. Alphabet Mafia WITH disorganized faulty feeble incompetent ineffective ineffectual inept sloppy weak careless extravagant half-baked improficient improvident incapable inefficacious inexpert not cut out for prodigal shooting blanks slack slipshod slovenly unfit unprepared unqualified unskilled unskillful untrained able capable competent dexterous effective fit neat skillful sound strong tidy efficient expert useful aged ailing chicken debilitated decrepit delicate doddering dopey effete enervated enfeebled etiolated exhausted failing faint flabby flat fragile frail gentle helpless impotent inadequate indecisive inefficient infirm insubstantial insufficient lame languid low out of gas paltry poor powerless puny sapless sickly slight strengthless tame thin unconvincing weakened weakly wimpy woozy zero solid hearty firm powerful hardy healthy unbreakable abandoned basket-case defenseless dependent destitute disabled exposed forlorn forsaken friendless invalid over a barrel paralyzed pinned prostrate shiftless tapped tapped out unable unprotected up creek without paddle with hands tied secure skilled resourceful independent enterprising potent amateur amateurish awkward bungling bush-league clumsy disqualified floundering ineligible inexperienced maladroit not equal to not have it out to lunch raw unadapted unequipped unfitted unhandy uninitiated unproficient useless qualified proficient experienced adept abortive anticlimactic barren bootless defeasible emasculate feckless forceless fruitless futile idle inferior innocuous inoperative limited no go no way not effective nugatory null slack-spined spineless unavailable unavailing unfruitful unproductive unprofitable unsuccessful vain void withered worthless effectual sufficient adequate worthy worthwhile valuable successful profitable productive fruitful invertebrate null and void hopeless enough Alphabet Mafia kainga Alphabet Mafia allowance credit investment mortgage accommodation advance extension floater trust provide lend scratch stake accommodate score allow touch lay on one let out borrow smooth stop mend furnish loan pay yield withdraw turn halt take back decrease retrogress retreat recede hesitate back down bite deposit down payment front money hike increase prepayment retainer rise take failure block stagnation impediment withdrawal recession hesitation advances advancing balance bond capital outlay continuance debenture installment buying installment plan lien on account on the arm on the cuff plastic respite securities stock surplus cash tab wealth discredit cash ill repute disrespect disregard dishonor disclaimer disbelief disapproval Alphabet Mafia Loan action case course development growth means measure mechanism movement operation practice procedure proceeding progress rule step system technique trial way advance channels evolution fashion formation manner mode outgrowth performance progression routine stage suit transaction unfolding wise working course of action modus operandi red tape cessation decline decrease idleness ignorance inaction inactivity stoppage failure halt convert handle prepare dispose of transform refine alter treat fulfill concoct deal with make ready take care of forget continue retain neglect keep hold preserve ignore remain activity agility alacrity alertness animation bag ballgame big idea bit business bustle commotion dash deal energy enterprise flurry force functioning game going happening haste hoopla hopper in the works industry life liveliness motion occupation plan power process proposition racket reaction response rush scene spirit stir stunt trip turmoil vigor vim vitality vivacity rest unemployment yielding peace harmony slowness dullness question inertia indolence stiffness weakness stillness repose quiet calmness calm surrender apathy lethargy laziness argument cause claim dispute evidence lawsuit litigation petition proceedings proof cases discoveries algorithm bonanza breakthrough conclusion contrivance coup data design device find finding formula godsend innovation law luck luck out machine method principle result secret theorem bad fortune miss loss discovery embalm anoint cherish consecrate conserve enshrine freeze lay out mummify store treasure wrap waste use squander Alphabet Mafia PROcess Process commitment demand obligation right urgency use wish charge committal compulsion desideratum devoir duty essential exigency extremity longing must occasion requisite weakness ought the urge nonessential comfort fortune have luxury plenty riches wealth lack want shortage impecuniousness distress pennilessness privation destitution deprivation inadequacy indigence paucity neediness insufficiency poorness impoverishment penury affluence sufficiency enough abundance necessity deficiency adequacy desire require call for claim miss hunger covet necessitate thirst hanker lust crave long pine exact yearn do without be deficient be deprived be down and out be hard up be in need of be in want be inadequate be needy be poor be short be without die for drive for feel a dearth of feel the necessity for feel the pinch go hungry have occasion for have occasion to have use for hurt for suffer privation yen for give despise abjure hate dislike exigence demands exigencies need needs requirement requirements exigences Alphabet Mafia Needs assign conduct distribute establish file place plan adapt adjust align alphabetize array catalogue class classify codify control dispose fix formalize furnish group index line locate manage marshal neaten normalize pattern range regiment regularize regulate right routine settle space standardize systematize tabulate tidy lay out line up methodize put away put to rights set guidelines set in order sort out disarrange disorder forget keep break change confuse depart disorganize disturb jumble leave mismanage mix up move unfit unsettle upset disallow mess up muddle prevent rescind order fashion carve frame construct embody produce build forge mold trim sketch hew pat stamp make chisel whittle cast cut fabricate assemble model sculpture knead mint block out crystallize bring together roughhew throw together neglect lose deform ruin dismantle demolish raze destroy shape facilitate reduce clarify shorten cut down disinvolve chasten disentangle abridge explain elucidate decipher analyze interpret clear up spell out unscramble boil down break down break it down clean it up clean up cut the frills draw a picture get down to basics get to the meat hit the high spots let daylight in let sunlight in make clear make perfectly clear make plain put in a nutshell put one straight make difficult complicate obscure mystify increase grow simplify consolidate integrate unify rationalize compact incorporate organize gather focus condense converge amalgamate accumulate concenter decentralize spread separate divide scatter disperse enlarge centralize streamline centralized ordering orders streamlining Alphabet Mafia Streamlining Manu Alphabet Mafia Manus Man U caddie Alphabet Mafia Caddie tarsh Alphabet Mafia Tarsh koia Alphabet Mafia miria Alphabet Mafia Irena Alphabet Mafia irena artisan journeyman machinist maker manufacturer master mechanic specialist technician wright skilled worker apprentice unskilled worker craftsman blacksmith artificer journeyperson unskilled bumbler craftsperson smith craftsmen Smith Alphabet Mafia SMITH
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