1. SIKAPA CREDIT UNION
WIDEVIEW INVESTMENT LIMITED
PRESENTATION

2. WHAT IS SIKAPA CREDIT UNION
SIKAPA CREDIT UNION is a financial product by WIDEVIEW INVESTMENT LIMITED. This product makes it easy for members to save, invest and acquire loans in the comfort of their homes, work places or “on the go” by the use of PCs and mobile devices devoid of the hassle and scurry of modern day Traffic congestions. The product encourages the use of mobile money, visa and other electronic payment systems. 

3. WHAT IS SIKAPA CREDIT UNION
It is also aimed at providing a convenient way for members to manage their current financial resources and future financial needs with ease. 

4. BRIEF ABOUT CREDIT UNIONS
In September 1955, the first credit union in Africa was formed at Jirapa in the North – West now the Upper West Region The idea was introduced by Rev.Father John McNulty an Irish Canadian.
Upon discussion with The First President of the Republic, Dr. Francis Kwame Nkrumah by the then Bishop Dery of the of Wa; The President encouraged the formation of Credit Unions across the country.
In 1968, The Ghana Coorporative Credit Union Association (CUA) Limited was formed to regulate credit union in Ghana.

5. WHAT IS SIKAPA CREDIT UNION ABOUT?
SIKAPA CREDIT UNION is simply a credit union powered by High Technology and driven by a rewarding affiliate program.
To become a member one needs to visit to sign up with your mobile number and create an account. One also need to have the reference of an up line member to be able to complete the affiliate registration and start earning money on down lines
You need an amount of GH¢ to register. GH¢ goes to buy you shares in the credit union and GH¢93.00 enters you into the affiliate program. GH¢5.00 is used to pay the CUA fees on each member per the regulations of CUA. Payment for the registration will be done by MTN Mobile money, Credit/Debit Card.

6. BENEFITS Easy way of saving/investing and earning interest.
Easy way of acquiring Loans.
Sikapa enables you to shop online with your wallet balance.
You can use sikapa to pay for utilities without going to the pay points. Utilities like Water Bills, Electricity Bills, Digital Television subscriptions and many more.
You can also use your earnings to buy mobile data and top up call credits.

7. 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.

8. 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.
AFILLIATE ACCOUNT 1
SPONSOR
DIRECT DOWNLINE
INDIRECT
[DIRECT DOWNLINE

9. AFFILIATE ACCOUNT
After every five direct sponsorship, the system automatically creates a new account for the member when a member is introducing new direct members. So a member can have several affiliate accounts to earn more commissions.
E.g. If a member has 15 direct downlines to register, it means therefore that the member will automatically have 3 affiliate accounts.

10. AFFILIATE ACCOUNT AFILLIATE ACCOUNT 1 AFILLIATE ACCOUNT 3
SPONSOR
DIRECT DOWNLINE
INDIRECT
[DIRECT DOWNLINE
AFILLIATE ACCOUNT 2
AFILLIATE ACCOUNT 1
SPONSOR
DIRECT DOWNLINE
INDIRECT
[DIRECT DOWNLINE
AFILLIATE ACCOUNT 3

11. 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.

12. AFFILIATE MEMBERSHIP REWARD
KOJO
LINDA
SAMY
KOFI
AMA YB
KAY
YAW JB
The below diagram shows that, Kofi will earn 20cedis each from AMA, KOJO, LINDA, SAMY and YAW
Qualification
You can only become a member to qualify for DSC by paying your registration fee of GHS198.

13. AFFILIATE MEMBERSHIP REWARD
Indirect Sponsorship Commission (ISC)
SPONSOR
LEVEL1=GH20
LEVEL2=GH10
Level3=GH8
Level4=GH8
Level5=GH6
Level6=GH6
A member will earn 10cedis as an indirect sponsorship commission on each indirect registered sponsor on your level 2, will earn 8cedis on his/her level 3, 8cedis on level 4, 6cedis on levels 5 and 6cedis 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.

14. AFFILIATE MEMBERSHIP REWARD
Structure on Sponsorship Earnings

15. AFFILIATE MEMBERSHIP REWARD
Each member renews his/her account with GHS every 12 months to remain active; and gets rewarded with a yearly residual income.
Each active member earns up to level 10 on account renewals by downlines.
Yearly residual income is unlimited since a member can have unlimited affiliate accounts.

16. AFFILIATE MEMBERSHIP REWARD (yearly Residual Income)
Account Renewal Commission
(yearly Residual Income)
This income can be made repeatedly since your team members may have multiple accounts.

17. AFFILIATE MEMBERSHIP REWARD ( yearly Residual Income)
Account Renewal Commission
( yearly Residual Income)
Qualification
A member is qualified for ARC by renewing his/her affiliate accounts with a annual fee of GH¢100 on each affiliate account.

18. PERFORMANCE AWARD
QUALIFICATION
SIKAPA SILVER
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.

19. 7TH GENERATIONAL LAPTOP
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 of his team.
7TH GENERATIONAL LAPTOP

20. PERFORMANCE REWARD
QUALIFICATION
SIKAPA GOLD
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.

21. PERFORMANCE REWARD SIKAPA PLATINUM
QUALIFICATION
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 members who are active for one month.
The member should have at least GHS30, 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.

22. CASH OUT OPTIONS
Cash out are made through Commission wallet account. There are two options of cash out.
Mobile Money Cash out – a member can do cash out to his/her mobile money account instantly.
Credit/Debit Cash out – a member can do cash out to his/her co-branded special visa prepaid card from selected Bank. The card can be used on any ATM machine and also can spend money on it online.
NB: Commission wallet cash out attract 3% charges

23. CONCLUSION
This credit union powered by High Technology and driven by a rewarding affiliate program IS A SURE BET OUT OF POVERTY
Thank you

24. C237/14, WAWA CRESCENT, DZORWULU
OFFICE LOCATION 
C237/14, WAWA CRESCENT, DZORWULU
NEAR HERITAGE BANK
DZORWULU, ACCRA 
CONTACT