This document discusses co-funding and mutual support systems for startups, microenterprises, and SMEs. It notes that securing funding is challenging for these businesses. It proposes alternative funding models, such as co-funding groups, where entrepreneurs pool resources and support each other's ventures. Examples mentioned include LAPO NGO, cooperative societies, and business clubs. The document encourages entrepreneurs to join or start such groups if they need funding, rather than complaining. It stresses that Africa's development depends more on entrepreneurial mindsets than government alone.

1. MONEY MANAGEMENT:
CO-FUNDING AND MUTUAL SUPPORT SYSTEMS
FOR STARTUPS, MICRO ENTERPRISES AND SMES
Dcubeconsulting.com
A sub Unit of HOA ( House of Ayokanjay) Group
Plot3, WestSideHouse, Ologolo Rd, igbo Efon , Lekki, Lagos.
The SilverArk, 47 Iwaya Rd., Yaba,Lagos.
Info.dcubemedia@gmail.com
Info.dcubeconsulting@gmail.com
kbamidele@yahoo.com
08024307980
HOA GROUP
Ayobamidele Kalejaiye 4th,October, 2016

2. Plot3, WestSideHouse, Ologolo Rd, igbo Efon , Lekki, Lagos.
The SilverArk, 47 Iwaya Rd., Yaba,Lagos.
Info.dcubemedia@gmail.com
Info.dcubeconsulting@gmail.com
kbamidele@yahoo.com
MONEY MANAGEMENT:
CO-FUNDING AND MUTUAL SUPPORT SYSTEMS
FOR STARTUPS, MICRO ENTERPRISES AND SMES
Our Services

3. DCUBE Consulting as a member of DCUBE Metropolitan Projects (was
established in 2006 as the consulting and Process Optimization arm of
House of Ayokanjay.
House of AYOKANJAY as a brand for 15yrs has leveraged on its ability to
provide quality and world class results in a continuously dynamic,
emerging and volatile developing economy to provide project/business
resources to its various clientele which ranges from individuals,
celebrities to corporate and social organizations.
MONEY MANAGEMENT:
CO-FUNDING AND MUTUAL SUPPORT SYSTEMS
FOR STARTUPS, MICRO ENTERPRISES AND SMES
History

4. MSMEs are the new catalysts for national and economic stability for change
and national transformation. Sadly, it is a known fact that Africa in Diaspora
is saddled with the problem of leadership, Negligence, Brain Drain, and
corruption. Various policies and institutional frameworks and regimes have
brought hope for change which did not manifest or survive hence the need
to ensure that Business Development and Process optimisation is used as a
strategic tool to foster change in all sectors and segments of society
especially at the microenterprise and SME levels.
We intend to start, and if started join the process of taking Business
Development and Process Optimisation to the grassroots to include SMEs,
Microenterprises, and students at all tiers of education.
MONEY MANAGEMENT:
CO-FUNDING AND MUTUAL SUPPORT SYSTEMS
FOR STARTUPS, MICRO ENTERPRISES AND SMES
We Need You

5. Practical Money rules we know ….
But DO NOT FOLLOW!!
Money Management

6. Expense Diary
• learn how finances work in your life
• Locate where your money is going
• Help you to live within your income

7. A Spending Plan will
Show you where to cut spending
Provide methods for keeping good records of
spending
Allow you to spend money without feeling
guilty
Create a way to measure your progress
Improve communication with other people

8. Step 1: Assess Needs
Make a realistic list of needs and wants
Needs Wants
Food Lots of Money
Clothing Cell Phone
Housing VCR or Big TV
Transportation New Car
Child Care Designer Jeans
Insurance Vacations
Medicines Boat
Titan Tickets

9. Step 2: Set Goals
Make sure your goals are SMART…
Specific- Clearly state what you want to do
Measurable- Measure by time and/or money needed
Attainable- Make sure your goal is realistic and
possible
Relevant- Make sure goals fit your needs
Time related- Set a definite target day (day/month/
year)

10. Step 3: Make a Plan
Put things in Priority Order- Imagine the
actions you need to take to get from where
you are now to where you want to be.
Goals are dreams with deadlines!

11. Two Parts of Money Management
• The money that comes
in - INCOME
• Regular take home
income
• The money that goes
out – SPENDING
• Must know what you
are spending to
develop a plan for
managing your money.
• Three type of
expenses

12. SAVINGS
It’s never impossible to save
money, no matter how small
the amount.

14. Funding
Funding is the act of providing financial resources usually in the form of
money, or other values such as effort or time, to finance a need, program,
and project, usually by an organisation or government. Generally, this
word is used when a firm uses its internal reserves to satisfy its necessity
for cash, while the term ‘financing‘ is used when the firms acquires capital
from external sources.
Sources of funding include credit, Venture capital, donations, grants,
Savings, Subsidies, and taxes. Fundings such as donations, subsidies, and
grants that have no direct requirement for return on Ivestmentsare
described as "soft funding" or “crowdfunding". Funding that facilitates
the exchange of equity ownership in a company for capital investment via
an online funding portal is known as equity crowd funding..Funds can be
allocated for either short-term or long-term purposes.

15. A little digression…….

16. Economics
The flow of funds from lender to borrower.
In economics funds are injected into the market as capital by
lenders and taken as loans by borrowers. There are two ways in
which the capital can end up at the borrower. The lender can lend
the capital to a financial intermediaries against interest.
These financial intermediaries then reinvest the money against a
higher rate. The use of financial intermediaries to finance
operations is called indirect finance. Lender can also go the
financial markets to directly lend to a borrower. This method is
called direct finance.

17. Capital distribution framework

18. What Do They
need?!?!Teaser: Business Cases….

19. “BusinessFever”
Entrepreneurs with a business concept would want to
accumulate all the necessary resources including
capitals to venture into a market. Funding is part of the
process, as some businesses would require large start-
up sums that individuals would not have.
These start-up funds are essential to kick start a
business idea, without it, entrepreneurs would not
have the ability to carry out their concepts in the
business world…..This could really be #fustrating!!
#pics!!

20. #Our Delimma.. @56#

21. Way Out!! …Interactive..

22. Alternative..
• Co-Funding and Mutual
Support Systems
•Shared Resourcing

23. EXAMPLES
• LAPO NGO
• AKOKA CDA MULTIPURPOSE SOCIETYCOOPERATIVE
• BUSINESS CLUBS
• What is Cofinancing? The ADB way! Asian Development Bank
ADB’s mandate to reduce poverty in Asia and the Pacific requires a scale of
investment that can only be partially delivered through its own resources. To
respond to the growing needs of the region, ADB works jointly with international
development agencies, multilateral and bilateral institutions, the private sector,
and other emerging development partners to fund activities that improve people's
lives in the region.
• Cofinancing is a well-established way of working for development. Donors,
multilateral institutions, and development agencies come together to assist
developing countries with a variety of projects to improve people’s lives. When
partners jointly finance a program or project, they each bring the best they can
offer to the deal. Done well, cofinancing leverages the resources—funding,
knowledge, and expertise—of all partners, to the greater benefit of the poor.

24. CONCEPTS

25. ACTION PLAN!!
• JOIN OR START … DONOT COMPLAIN!!!
• IF YOU NEED HELP….#SMILES … CONTACT ME
• STARTING DCUBE CAPITAL INITIATIVE THIS
MONTH…. YOU ARE WELCOME TO JOIN OR
GET MORE DETAILS.

27. OUTRO….
If Africa needs to rise it needs the right mentality not government...
I did a research on Lapo NGO.. It GREW from a micro credit
community initiative in the 1980s to a holdings enterprise
employing lots of youths across various states and gives out finance
to businesses in excess of 1Billion $ annually..One mans dream..
Communal support... A transnational pride..
Really the point here is this.. Enterprise and business is gearing
towards the social era with globalisation .. So the management
theories of profit maximisation alone is not enough ..this is the era
of a new currency social networth.. For instance see Facebook,
Google .. Data is the new world business .. U profit when u master
how to get repeated micro units of profits leveraging on sustainable
social networth of people globally In summary money is a means of
exchange not wealth ..wealth is created through value creation in
terms of goods and or services.

28. May God bless our Enterprises!
Ayobamidele Kalejaiye
4th,October, 2016
08024307980