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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