Measurable impact, a model that stands on its own
SIKEWA is not a charity project: it is an economic ecosystem designed to become self-sustaining, with a projected IRR of 22% in year 3 — and every impact indicator traced by SIGNÉCONNECT CI.
One euro of grant funding finances the trust infrastructure (licence, guarantee fund, training, platform) that unlocks fifteen euros of secure, traced local savings. Funders' money does not replace local effort: it makes it possible.
An empty jar does not fill itself
Without trust infrastructure, rural savings stay informal and invisible. Grant funding pays for exactly what is missing: the licence, the guarantee fund, the platform and the training. Once that foundation is laid, members fill the jar themselves.
Six complementary revenue streams
No stream is activated before the required licences are obtained. Figures are projections.
Member shares
Membership of the SIGNÉ SIGNÉ FINANCE cooperative: every member co-owns the model.
Margin on loans
8% margin on loans capped at CFA 1.3 million, secured by joint guarantee and harvest insurance.
Market commissions
5% on sales made through SIKEWA CALL and SIKEWA MARKET: we only earn if the farmer sells.
Member services
ATIDJE SCHOOL training and services from the BTP, TRANSPORT and EMBALLAGE subsidiaries.
Diaspora e-commerce
Attiéké, chili and cassava to the Ivorian diaspora in France and Canada: CFA 240 million projected year-1 revenue for SIKEWA MARKET.
Health mutual
CFA 2,000/month contribution through SIKEWA SANTÉ: household protection and recurring revenue.
Savings that grow season after season
The cooperative model turns small regular deposits into collective lending capacity. The wider the membership base, the more the guarantee fund can finance income-generating activities — and the greater the leverage on funders' money.
It is this mechanism, not the grant alone, that makes the ecosystem self-sustaining by 2029.
Three phases, three years, verifiable milestones
Prove the model
- DRSSFD licence obtained
- Pilot launch of SIGNÉ SIGNÉ FINANCE + ATIDJE SCHOOL
- 1,000 founding members
- 100 supported test loans
- 10 hectares under climate-smart farming
Extend the value chain
- Rollout of 5 subsidiaries: CALL, ALIMENTATION, ÉLEVAGE, EMBALLAGE, MARKET
- 3,000 members
- 300 loans granted
- 150 hectares farmed
Industrialise and export
- Rollout of the remaining subsidiaries
- Industrial cassava / chili / maize processing
- 6,000 members, 800 loans, 400 hectares
- 2 tonnes of attiéké exported per year
A projected 22% IRR in year 3
The six revenue streams — member shares, loan margin, market commissions, services, diaspora e-commerce and the health mutual — converge on a break-even point reached in 2029. Beyond that, the ecosystem no longer needs grants to operate: it funds its own growth.
Forward-looking data from the business plan, with no guarantee of results.
Nine Sustainable Development Goals covered
The risks, and how we address them
DRSSFD licensing delay
Application filed, dedicated legal follow-up — and no financial activity launched before approval. Compliance is not optional: it is the foundation.
Loan default
Triple safeguard: group joint guarantee, harvest insurance, and mandatory training before any loan.
Reputational risk
V1 communication is 100% informative: systematic "IN PROGRESS" and "2027 project" labels, zero service promises before licensing.