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Tag: Financial

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Written by

Matjie Maake

in

  • SayPro Financial literacy

    SayPro Financial literacy

    SayPro Monthly – May Edition (SCRR-1)

    Research Segment: Middle-Class Market

    Prepared by: SayPro Research Royalty

    Segment Focus: Research Products, Courses, Advertisements, Jobs, Events & Classifieds

    1. Executive Summary

    The May 2025 SayPro Monthly (SCRR-1) presents a comprehensive overview of research-backed insights, initiatives, and offerings by SayPro targeting the urban and peri-urban middle class in Sub-Saharan Africa. This segment represents a dynamic, aspirational, and increasingly digitally-connected demographic. Key findings emphasize their growing demand for educational advancement, employment mobility, financial literacy, and lifestyle-enhancing products.

    2. Research Products (Middle-Class Oriented)

    2.1. SayPro Middle Class Barometer (MCB)
    A real-time dashboard assessing trends in spending, education, employment, and social media sentiment.

    • Metrics: Monthly disposable income, retail spending, education enrollments
    • Tools: SayPro Insight Panel™, SayPro Market Pulse Surveys

    2.2. SayPro Financial Resilience Index (FRI)
    Tracks savings behavior, insurance uptake, credit usage, and investment by middle-income earners.

    • Audience: Age 25–45; income range $3,000–$9,000/year
    • Methodology: Panel data + ethnographic field interviews

    2.3. SayPro Mobility & Career Trajectory Report
    This longitudinal study follows middle-class professionals across 5 years to evaluate career progression, retraining, and inter-sectoral mobility.

    3. Courses & Learning Products

    3.1. Financial Literacy for Middle-Class Youth (New Launch)

    • Target Group: Youth aged 18–30 from urban middle-class households
    • Content: Budgeting, credit management, savings tools, crypto basics
    • Delivery: Online + Hybrid bootcamps in SayPro Centres
    • Outcome: Certificate + Financial Planning Toolkit

    3.2. Professional Development Pathways
    Courses designed to upskill mid-career professionals in:

    • Digital marketing
    • Project management (Agile, PMP)
    • Data analysis (Power BI, Python, Excel)

    3.3. SayPro EdTech Access Pass (SEAP)
    A discounted subscription for middle-income families for year-round access to SayPro partner learning platforms, available via SayPro Community Wallet.

    4. Advertisements (Middle-Class Behavioral Focus)

    4.1. Thematic Campaigns

    • “Build Your Better Future” – Emphasizing home ownership, education, and professional upskilling
    • “Save Smart, Live Smart” – Featuring products on insurance, savings, and investment tailored for middle-class families

    4.2. Channels Used

    • Digital: Meta, YouTube Shorts, TikTok for Professionals
    • Print: Community newspapers, monthly finance columns
    • Influencers: Micro-influencers within professional sectors (teachers, nurses, engineers)

    5. Employment and Job Trends

    5.1. SayPro Job Portal Analytics – May Snapshot

    • Top Sectors: Health Services, Tech, Green Economy, Financial Services
    • Average Application Rate: 65/job
    • Employer Demand: Mid-skill roles with digital fluency

    5.2. Job Readiness Bootcamps

    • “Middle-Class Mobility Tracks”: 2-week intensive training programs
    • Topics: Resume building, interview simulation, workplace communication

    6. Events – Empowering the Middle Class

    6.1. SayPro Middle-Class Summit 2025 (Preliminary Roundtable – May)

    • Focus: Aspirational living, policy engagement, public-private financing
    • Attendees: Civic leaders, community educators, fintech innovators

    6.2. Monthly Local Chapters

    • Locations: Pretoria, Accra, Nairobi, Lusaka
    • Activities: “Finance Fridays”, “Job Connect Saturdays”, “Learning Lunches”

    7. Classifieds – Community-Centric Opportunities

    7.1. Smart Buy & Sell – Verified Listings for Middle-Class Users

    • Real estate listings: Affordable housing, rent-to-own
    • Small business ads: Educational services, tutoring, wellness products

    7.2. SayPro Talent Classifieds

    • Profile exposure for freelancers and micro-entrepreneurs
    • Verified credentials + SayPro Portfolio Integration

    8. Strategic Recommendations

    • Expand the Financial Literacy Youth Product to be embedded into public high school enrichment curricula.
    • Prioritize mobile-first platforms for both job placement and learning.
    • Partner with co-operative banks and SACCOs for bundled insurance, credit, and savings products targeting middle-income earners.
    • Leverage community leaders and religious institutions for wider campaign trust and engagement.

    9. Closing Remarks

    The May SCRR-1 outlines SayPro’s commitment to engaging the middle class not only as consumers but as partners in shaping inclusive economic growth. Our insights guide interventions that are scalable, culturally aligned, and digitally accessible.

  • SayProCOR -Feedback for SayPro Financial Statement FY2023/24

    SayProCOR -Feedback for SayPro Financial Statement FY2023/24

    As SayProCOR I have gone through the FS and these are my findings.

    From General Information to Directors Report, I find the report accurate and clear, with no need for amendments or changes.

    Section 5 of the Statement of Financial Position
    1. There is a gradual increase in the Cash and Cash Equivalents, meaning that there was an improvement from the previous Financial Year’s performance.
    2. Accumulated Losses decreased, indicating a positive management of Equity and Liabilities.
    3. The Non-current liabilities have stayed the same but the good part is that these improved from the previous FY to this year, the increase is almost 5 times than last year, indicating an improvement.

    Section 6 of the Statement of Comprehensive Income
    1. I have noted that there was a slight decrease in income.
    2. I also noted that we are still operating at a loss, which means we need to adjust our financial management or justify the loss.
    3. The part that indicates dates (shows 2024, 2023) overlaps; it needs to be corrected.

    Section 7 Statement of Changes in Equity
    1. There isn’t much to provide ragrding this, is it shows no changes but the balance remained the same for both Financial Years/

    Section 8 Statement of Changes in Equity

    This section is in order and shows a positive increase from the previous year to the current year.

    The policies are being followed which ofcourse ensure accuracy and compliance.

    Overall I am happy with the draft of the financial statement for SayPro just the need to amend the section for dates to avoid overlapping.

    Kind regards | COO | SayPro