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Sikka
Inclusive Finance

Sikka Inclusive Finance offers concrete and hands-on expertise to all financial inclusion stakeholders.

This expertise is based on years of experience in the field, in direct contact with the challenges of this industry, as close as possible to the final beneficiaries.

Romain Tevels au Burundi

Who are we ?

Sikka Inclusive Finance is a financial inclusion consulting firm founded in 2014 in Rochefort in Nouvelle-Aquitaine (France).

Sikka Inclusive Finance’s action is mainly inspired by the concept of the Indian economist, philosopher, and Nobel Prize winner Amartya Sen, for whom a sensible approach to economic development revolves around the interaction between humans and their environment.Sikka Inclusive Finance therefore focuses on different types of projects all aiming at benefiting economically deprived populations. It promotes concrete policies and programs aimed at facilitating their access to financial services that are adapted, reliable and connected to the global environment.Sikka Inclusive Finance is also involved in projects relating to the promotion of entrepreneurship, the development of the private sector as well as communication on all these subjects to the public at large.Such an approach touches on several other major global issues such as financial inclusion, microfinance, entrepreneurship, digital finance, or green finance.

Professionalism, respect, altruism and fairness are at the heart of Sikka Inclusive Finance’s approach.

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Paysanne dans un champs au Rwanda
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Expertise & Solutions

Sikka Inclusive Finance offers a range of services specifically designed to meet the needs of its clients, all of whom are inclusive finance stakeholders: development agencies, financial institutions, or institutional actors.

Projects

Since 2014, Sikka Inclusive Finance has developed an expertise based on many years of field practice with leading institutional and private players. It has carried out over fifty projects in less than 10 years.Sikka Inclusive Finance’s expertise is based on proven experience in more than thirty countries in Africa, Asia, and Eastern Europe:
SENEGALLaunching of the second phase of apost-financing supporting programfor young entrepreneurs financed byU-IMCEC for ADA ASBL(ADA ASBL, 2023)TECHNICAL ASSISTANCEPAKISTANA2F Pakistan 2014 national survey forHorus / Gallup Pakistan.(State Bank of Pakistan, 2014)SURVEYS, STUDIES & EVALUATIONSNAMIBIADevelopment of the Non-FinancialServices strategy for SMEs for thecommercial bank FNB Namibia Ltd.(Proparco / e-Sud, 2022)STRATEGYRWANDAEvaluation of a computerization andcapacity-building program for 3 tea-growers SACCOs: Mulindi Tea SACCO,Ishema Tea SACCO, Shagasha Tea SACCO.(AFR, 2016)Evaluation of a financial eductaionprogram and a m-banking serviceimplementation project for UmutanguhaFinance Company Ltd.(AFR, 2016)AUDITS, DIAGNOSTICS & DUE DILIGENCEMYANMARStrengthening the financial department ofAlliance for Microfinance in Myanmar.(Alliance for Microfinance in Myanmar, 2020)TECHNICAL ASSISTANCEBURUNDIDevelopment of a financial inclusionsurvey in Burundi for Banque de laRépublique du Burundi.(Word Bank, 2017-2020)Development of the project “DigitalBurundi” for Banque de la Républiquedu Burundi.(World Bank, 2017-2019)SURVEYS, STUDIES & EVALUATIONSPROJECT DEVELOPMENTBURKINA FASOEvaluation of the risk managementframework of GRAINE S.A.R.L. forGRAINE SARL.(ADA ASBL, 2017)Evaluation of a 3-year agri financecoaching program in West Africa(Benin, Burkina Faso & Togo) forADA ASBL and FAO.(ADA ASBL, 2021)Emergency Technical Assistance forthree MFIs in the framework of theCOVID-19 Crisis Fund forAssilassimé-Solidarité (Togo),RENACA-Benin et Yikri (BurkinaFaso).(ADA ASBL, 2020)TECHNICAL ASSISTANCE - STRATEGYAUDITS, DIAGNOSTICS & DUE DILIGENCEALGERIAEditing of an internal strategic noteon Algeria national payment systemfor Banque d’Algérie.(World Bank, 2017)SURVEYS, STUDIES & EVALUATIONSBELGIUMDevelopment of an online qualifyingtraining on Microvision tool forMicrofact.(ADA ASBL / BRS, 2022-2023)Training on “Financing of MFIs’ for 10African MFIs.(EMRC, 2014)Training on “Credit Risk Managementand Recovery Techniques” for 10African MFIs.(EMRC, 2014)CONFERENCES, SEMINARS & TRAININGBENINEmergency Technical Assistance forthree MFIs in the framework of theCOVID-19 Crisis Fund for Assilassimé-Solidarité (Togo), RENACA-Benin etYikri (Burkina Faso).(ADA ASBL, 2020)Evaluation of a 3-year agri financecoaching program in West Africa(Benin, Burkina Faso & Togo) forADA ASBL and FAO.(ADA ASBL, 2021)TECHNICAL ASSISTANCE - STRATEGYAUDITS, DIAGNOSTICS & DUE DILIGENCEBUTHANTransformation of BhutanDevelopment Bank (BDB) into aviable and sustainable bank, focusedon inclusive rural and agriculturalfinancing.(ADB, 2021-2022)TECHNICAL ASSISTANCECAPE VERDEDevelopment of a 5-year financialinclusion project, for the benefit of 7MFIs in the Republic of Cabo-Verdefor ADA ASBL.(ADA ASBL, 2021)PROJECT DEVELOPMENTCONGOREPUBLIC OF THETechnical Assistance for theimplmentation of the PRCCE IIprogram (Business andEntrepreneurship Capacity BuildingProgram II) for Ministry of MSME.(European Union / Agrer, 2021-2022)SURVEYS, STUDIES & EVALUATIONSCÔTE D’IVOIREEvaluation and strengthening of localsavings collection procedures forAfrique Emergence & InvestissementsS.A.(I&P, 2015)Evaluation of the information andmanagement system PERFECT forAfrique Emergence & InvestissementsS.A.(I&P, 2015)AUDITS, DIAGNOSTICS & DUE DILIGENCEFRANCEConference on India for Paul Marius.(FPPM International, 2021)CONFERENCES, SEMINARS & TRAININGKAZAKHSTANEvaluation of the microfinance sectorin Kazakhstan for World Bank.(World Bank, 2018)SURVEYS, STUDIES & EVALUATIONSKENYADigitalization of operationalprocesses of MFI Juhudi Kilimo.(Abler Nordic / ex-NMI, 2022)TECHNICAL ASSISTANCEMADAGASCAREvaluation of the risk managementframework of Vahatra.(Vahatra/ADA, 2021)AUDITS, DIAGNOSTICS & DUE DILIGENCECONGODEMOCRATIC REPUBLIC OF THEInstitutional reshuffling, developmentof Business Plan, credit processreshuffling and credit team trainingfor the MFI IFOD S.A.(FPM ASBL, 2017)TECHNICAL ASSISTANCE - STRATEGYTECHNICAL ASSISTANCE - AUDITS,DIAGNOSTICS & DUE DILIGENCEAUDITS, DIAGNOSTICS & DUE DILIGENCEStrategic Development Plandevelopment for the period2022-2026 for the MFI ProcFin S.A.(FPM ASBL, 2022)Development of the business plan ofthe MFI SMICO S.A.(FPM ASBL, 2016)Development of the business plan ofthe MFI PAIDEK S.A.(FPM ASBL, 2016)Development of the business plan ofthe MFI Tujenge S.A.(FPM ASBL, 2015)STRATEGYCredit procedure overhaul and creditteam training &coaching forTujenge S.A.(FPM ASBL, 2015)MSME product development andcredit procedure development forMFI SMICO S.A.(FPM ASBL, 2015)Coaching of the credit team for MFIi-Finance S.A.(FPM ASBL, 2016)Training and coaching of the creditteam for MFI i-Finance S.A.(Frankfurt School, 2016)Diagnostics and risk managementframework improvement plan forMFI i-Finance S.A.(FPM ASBL, 2016)TECHNICAL ASSISTANCEInstitutional diagnostics andorganizational structure optimizationfor Opportunity DRC S.A.(FPM ASBL, 2015)MALAWIDevelopment of the 2021-2025Business and Strategic Plan of theMFI MicroLoan Foundation Malawi.(MicroLoan Foundation, 2020)STRATEGYMALIDefinition of the base conditions forsetting up a credit line of EUR 1 millionfor Kafo Jiginew.(SDC, 2014)AUDITS, DIAGNOSTICS & DUE DILIGENCEMOROCOEvaluation of the risk managementframework of Fondation Al Karamafor la Microfinance.(ADA ASBL, 2018)Evaluation of the risk managementframework of Attadamoune-Microfinance.(ADA ASBL, 2018)AUDITS, DIAGNOSTICS & DUE DILIGENCETOGODevelopment of the 2021-2025Business and Strategic Plan of theMFI Assilassimé-Solidarité.(Assilassimé-Solidarité, 2021-2022)STRATEGYEvaluation of the risk managementframework of Assilassimé Solidarité.(ADA ASBL, 2021)Evaluation of a 3-year agri financecoaching program in West Africa(Benin, Burkina Faso & Togo) for ADAASBL and FAO.(ADA ASBL, 2021)Emergency Technical Assistance forthree MFIs in the framework of theCOVID-19 Crisis Fund for Assilassimé-Solidarité (Togo), RENACA-Benin etYikri (Burkina Faso).(ADA ASBL, 2020)TECHNICAL ASSISTANCE - STRATEGYAUDITS, DIAGNOSTICS & DUE DILIGENCETUNISIAOperational evaluation of ENDA Tamweel forTAEF.(TAEF, 2019)AUDITS, DIAGNOSTICS & DUE DILIGENCEFeasibility study on the intermediation ofMFIs on behalf of commercial banks andthe Tunisian Post in the collection of savingsfor ACM.(ADA ASBL, 2018)SURVEYS, STUDIES & EVALUATIONSDevelopment of the National FinancialInclusion Strategy 2018-2022 - Definition ofthe impact measurement framework for theMinistry of Finance of the Republic ofTunisia.(World Bank, 2017)Development of the National FinancialInclusion Strategy 2018-2022 for the Ministryof Finance of the Republic of Tunisia.(AFD, 2016)PROJECT DEVELOPMENTDiagnostics and reshuffling of the creditproducts offer. Conception of a set ofanalytical tools and overhaul of proceduresfor Taysir Microfinance S.A.(AFD, 2016)TECHNICAL ASSISTANCEVIETNAMSocial Performance Audit SPI-4 ofAnh Chi Em.(Entrepreneurs du Monde, 2015)AUDITS, DIAGNOSTICS & DUE DILIGENCECAMEROONDevelopment and implementation ofa rural microfinance program.(Poste en expatriation, BDPA,1985-1990)TECHNICAL ASSISTANCEINDIAPermanent advisory services to theManaging Direction of two urban MFIs.(Expatriation, Inter Aide, 2004-2008)TECHNICAL ASSISTANCEUKRAINEStudy on the Ukrainian financialsector in rural areas and feasibility ofa financial sector support project.(KfW, 2004)SURVEYS, STUDIES & EVALUATIONSJORDANPrivate sector development.(Xxpatriation, French Ministry ofFinance, 2002-2004)-ALBANIAPermanent advisory services to theManaging Director of an MFI.(Expatriation, SACCO Federation-ASCUnion, 2000)TECHNICAL ASSISTANCEMOLDOVAManaging directorship of an MFI.(Expatriation, Microinvest, 1996-2000)TECHNICAL ASSISTANCEGUINEADevelopment and implementation ofa rural microfinance program.(Expatriation, IFAD, 1990-1993)TECHNICAL ASSISTANCEGHANAManaging directorship of an urban MFI.(Expatriation, Entrepreneurs du Monde,2008-2010)TECHNICAL ASSISTANCE

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