Powered with IT by: WALTERGATES GHANA LIMITED

Presentation

SIKAPA CMA for short, though multifaceted

in nature, is engaged in the promotion of

SMART AND SUSTAINABLE FARMING of

vegetables.

Its operations are powered with High

Technology provided by Waltergates

Ghana Limited and its membership is

driven by a rewarding affiliate system.

The IT environment makes it easy for

members to sign up and transact business

in the comfort of their homes, work places or “on the go” by the use of PCs and

mobile devices devoid of the hassle of

modern day Traffic congestions. It also

encourages the use of mobile money, visa and other electronic payment systems.

WHAT IS SIKAPA COOPERATIVE MULTIPURPOSE ASSOCIATION (Sikapa CMA)

ORGANOGRAM OF SIKAPA CMA

MEMBERSHIP• An upline refers you

• You sign up with your mobile number and

create an account

• You pay an initial Membership fee of

GHS198.00 (of Which)

• GHS100 goes to buy you shares in the

Society

• GHS 93 enters you into the affiliate

program• GHS 5 for the registration with the society

• You join a society close to you• One can also visit www.sikapa.org to sign

up with the reference of the upline.

THE AFFILIATE ACCOUNTA member can directly introduce unlimited members as level

1 members, so he / she can have unlimited number of affiliate

accounts. Each affiliate account contains five direct members,

so the system automatically creates affiliate accounts for a

member when ever he attains five direct members.

E.g. If a member has 15 direct downlines to register, it means

therefore that the member will automatically have 3 affiliate

accounts.

Indirect Sponsorship Commission (ISC)

AFFILIATE MEMBERSHIP REWARD

A member will earn ghc10 as an indirect sponsorship

commission on each indirect registered sponsor on your

level 2, will earn gh8 on his / her level 3, gh8 on level 4, gh6

on levels gh5 and gh6 on level 6 respectively.

Qualification.

A member is qualified for ISC by remaining active in the

system. That is renewing ones’ account every 12 months.

Where a member becomes in-active, all his / her down-line

benefits will be paid to the very available active up-line

sponsor.

Structure on Sponsorship Earnings

AFFILIATE MEMBERSHIP REWARD

Account Renewal Commission (yearly Residual Income)

AFFILIATE MEMBERSHIP REWARD

This income can be made repeatedly since your team members may have multiple

accounts.

Each member renews his/her account with GHS100.00 every 12 months to remain

active; and gets rewarded with a yearly residual income.

THE SIKAPA SMART AND SUSTAINABLE FARMING

PROGRAMME

1. To become a leading producer of organic

vegetables in West Africa by 2025.

2. To provide quality vegetables at competitive

prices.

3. To give access to the right of knowledge to

our Members.

4. To help the population live towards a

healthier living.

5. To create jobs and sustain our local

economy.

6. To preserve the culture of agriculture.

7. To be a trustworthy and innovative group by

providing genuine, organic true wellness

products and solutions for the conscious

health consumer.

GOALS OF THE PROGRAMME

SMART FARMING -

SACKS

SMART FARMING –GREEN HOUSES

FINANCING THE FARMING PROJECT

1. Self financing – Where members pay for the set up in full

and engage in the farming practically

2. Association / Society Support – where the association or

society supports interested members halfway (individuals

/ groups) and those who meet the required threshold from

the affiliate program

Note: The Association shall be the sole Off taker or buyer of

the harvested Produce unless otherwise stated.

An off taker agreement will be signed with member farmers

before project starts

STAGES OF THE FARMING PROJECT1. A member applies for the project with the Sikapa App or on the website by a

mobile device or from the website.

2. He / she agrees to the off taker agreement on the app.

3. He / she makes full payment with Momo or any other electronic means other than cash

4. Notification is given for receipt of payment

5. Technical team initiates work by:

A. Preparing media and seedlings and inspecting site for the farm

B. Training the farmer on the farms’ best practices.

C. Setting up the farmer after completing A and B.

D. Paying regular visits to the farms to ensure that best practices are observed.

E. Inspecting the Fruits and harvesting the produce from the farm and issuing a purchase order (PO) to farmer for payments to be made within an agreed

period.

6. Payment shall be made to farmer by electronic means into Farmer’s wallet.

Note: The Association will be the sole Off taker or buyer of the harvested Produce.

PROJECT START UP COST

• The project setup comes in Packs.

• Each pack is made up of 10/20 sacks.

• Each Sack is made up of 30/15 plants

(Averagely). (30X10) or (15X20)

• Thus a pack is made up of

approximately 300 plants

• The cost per pack is GHS2,500

ROI ON PROJECT PER PACK

• Investment Cost is GHS2,500.

• Expected yield per plant 5kg

• Expected yield per sack 150kg

• Expected yield per pack 1,500kg

• Price per kg is GHS5.00

• Estimated value per pack GHS7,500

• Gross returns is 7,500 less 2,500=5,000

• Net returns is 5,000 less operation cost

INVESTMENT CATEGORIES / BENEFITSCATEGORY FEATURES BENEFITS INTERESTS RATE

1 Direct

Investment

• Member buys a pack / packs

and practically engage in the

farming.

• He neither pays nor receive

interest on the investment

• Makes margins

of over 100%

(est) on produce

sales

0%

2 Indirect

Investment

• Member invests without

practically involved in the

farming.

• Earns interest on

the Investment

3.5% per month /

14% per the 4

month

period(42%pa)

3 Supported

Investment

• Member gets supported by the

society in part.

• Pays interest on Loan

• Makes Margin on

Produce sales

3.75% per month /

15% per 4 month

period(45%pa)

COMMISSIONS TO BE EARNED ON INVESTMENTS

Commission Type Level Commission Rate

1 Direct Commission One 5.0% on Investment2 Indirect Commission Two 3.5% on Investment3 Indirect Commission Three 2.0% On investment

A member will earn a sponsorship commission on each downline that makes

an indirect Investment into the Programme. This sponsorship commission is

limited to 3 levels. Below are the details

** COMMISSIONS WILL BE PAID AT THE END OF THE FARMING PERIOD (4 MONTHS)

WHO IS ELIGIBLE TO PARTAKE IN THE PROJECT

1. You must first sign up to become a member of the Sikapa

Cooperative Society under the Cooperative Multipurpose

Association (Sikapa CMA).

2. You must pay a minimum GHS2,500GHC as a Direct Investor.

3. You should invest a minimum 2,500 as an indirect Investor. (In

multiples of GHS2,500)

4. You should refer at least 5 indirect investors with investment

value of GHS25,000 to qualify for a support of 4 packs

(GHS10,000). Less number of IE at the same investment value

will qualify you for a 2 pack support.

5. You refer indirect investors to the tune of GHS12,500 to qualify

for a support of 2 packs (GHS5,000).

6. You must have a space suitable for the project.

Members of Sikapa Societies have total

control over their accounts 24 / 7

Savings: Members of the Sikapa Societies

can make savings and enjoy good interest

rates

Financial Support: Members of Sikapa

Societies get the opportunity to take

collateral free Financial Support.

Investment: Members get to enjoy high

returns on investments they make with the

Sikapa Societies

SmartFinancial Services

Mobile Money

Credit / Debit Card

NB: Commission wallet cash outs attract

3% charges

OUR PAYMENT SYSTEMS

Deposits, Payments and Withdrawals can only be made using the formats below. Cash is not accepted

+233 (0) 302 736 942+233 (0) 558 224 877

www.sikapa.org

REACH US

Dial

*713*55#ON ALL NETWORKS

23 West loop, Tesano-AccraNear Mizpah International School

Sikapa Co-operative Multi-Purpose Association

LOCATE US

The Sikapa CMA powered by a robust IT system and driven by a

rewarding affiliate program,

IS A SURE BET TO TAKE MEMBERS OUT OF POVERTY.

Thank You