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PRESENTATION

WHAT IS SIKAPA COOPERATIVE MULTIPURPOSE ASSOCIATION (Sikapa CMA)

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.

An Overview of Cooperatives

A Cooperative is "an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically-controlled enterprise“ In Ghana, cooperatives were first introduced in 1928 in an attempt to improve the quality of cocoa for export. They were so successful that, by 1960, the cooperatives were marketing almost 40% of the entire cocoa

• crop. At the end of 1996, there were as many as 11,154

registered cooperatives in Ghana.

An Overview of Cooperatives

Millions of people in many countries around the world today have organized to provide themselves with goods and services in a cooperative way. These organizations are called Cooperative Societies and there are many types in Ghana. These

• rganizations have been classified into four distinct categories:

1. Agricultural cooperatives: Engaged in food production, processing and marketing. 2. Industrial cooperatives: Involved in rural cottage industries such as local alcohol distillation, handicrafts, Kente weaving, cloth dying and manufacturing, etc. 3. Financial cooperatives: Engaged in savings mobilization in both rural and suburban

• areas. For example: micro-loan banks, credit unions and „susu‟ collectors.

4. Service cooperatives: Involved in the service industry such as transport, consumer societies, etc. 5. Multipurpose cooperatives: Engage in the combination of all the above categories.

ORGANOGRAM OF SIKAPA CMA

Board Of Directors Tesano Society Kasoa Society Dome Society Asafo Society Sunyani Society Abuakua society Suame society Edubiase Society All Other Societies Management Team Executive Council

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 ACCOUNT

A 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.

AFILLIATE ACCOUNT 1

THE AFFILIATE ACCOUNT

AFILLIATE ACCOUNT 2 AFILLIATE ACCOUNT 1

AFILLIATE ACCOUNT 3

AFFILIATE MEMBERSHIP REWARD

Direct Sponsorship Commission (DSC)

A member will earn GHS20 as a direct sponsorship commission on each direct registered down-line. That is when a member introduces a new member to join the

• union. Direct sponsorship commission is unlimited.

The diagram below shows that, Kofi will earn 20cedis each on AMA, KOJO, LINDA, SAMMY and YAW.

KO JO LI N DA SA M Y

KOFI

AMA

YB KAY

YAW

JB

** Qualification You can only become a member to qualify for DSC by paying your registration fee of GHS198.

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 one 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.

SIKAPA SILVER

QUALIFICATION

• A Member should have at least one

active affiliate account for three consecutive months.

• A Member should have at least 155

registered members as his or her downlines.

• A member should have completed

level 3 of his team.

PERFORMANCE AWARD

PERFORMANCE AWARD

SIKAPA EMERALD

QUALIFICATION

• A Member should have at least one

active affiliate account for three consecutive months.

• A Member should have at least 3,125

registered members as his or her downlines.

• A Member should complete Level 5
• f his team.

7TH GENERATIONAL LAPTOP

 SIKAPA GOLD  QUALIFICATION

• A Member should have at

least one active affiliate account for three consecutive months.

• A Member should have at

least 15,625 registered members as his or her downlines.

• A Member should have

completed Level 6 of his Team.

PERFORMANCE REWARD

SIKAPA PLATINUM

• A Member should have an active

account for at least 90 days.

• The Member should have at least

two affiliate accounts. In other words should have at least 10 direct sponsors and have not less than 25000 members who are active for

• ne month.

PERFORMANCE REWARD

 QUALIFICATION

• The member should have at least

GHS30,000.00 in his/her investment account, in which at least 50% of the account balance are earnings from the affiliate account.

• The member should provide a land

for the housing project. In case the member meets all the conditions but does not have a piece of land for the house, the award will be kept for him/her until he procures a parcel of land for the project.

SIKAPA PLATINUM

THE SIKAPA SMART AND SUSTAINABLE FARMING PROGRAMME

GOALS OF THE 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,
• rganic true wellness products and solutions for the conscious

health consumer.

SMART FARMING

Smart Farming is a concept of farming management using modern Information and Communication Technologies to increase the quantity and quality of

• products. Among the technologies available for present-

day farmers there are; 1. Sensing technologies, including soil scanning, water, light, humidity, temperature management; 2. Software applications—specialized software solutions that target specific farm types; 3. Communication technologies, such as cellular communication; 4. Positioning technologies, including GPS; 5. Hardware and software systems that enable IoT- based solutions, robotics and automation; and 6. Data analytics, that underlies the decision making and prediction processes.

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 PROJECT

1. 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 / BENEFITS

CATEGORY 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
• f 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)

to join the union. Direct sponsorship commission is unlimited.

Commissions to be earned on Indirect Investments

Commission Type Level Commission Rate

1

Direct Commission One 5.0% on Investment

2

Indirect Commission Two 3.5% on Investment

3

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

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
• f 2 packs(GHS5,000)
• 6. You must have a space suitable for the project.

Smart Financial Services

With the Slogan “We grow your Money”

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

• pportunity to take collateral free Financial Support.

Investment: Members get to enjoy high returns on investments they make with the Sikapa Societies

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

• below. Cash is not accepted

CONCLUSION

SIKAPA Societies powered by a robust IT system and driven by a rewarding affiliate program IS A SURE BET TO TAKE MEMBERS OUT OF POVERTY.

Tha hank nk You

• u

23 WEST LOOP, TESANO ACCRA NEAR MIZPAH INTERNATIONAL SCHOOL CONTACT +233 (0) 302 736 942 +233 (0) 558 224 877

OFFICE LOCATION: