The verdict in three sentences
Microfinance institutions (IMFs/SFDs) manage thousands of credit and savings files, yet many still run on Excel or aging tools. A referral partner who connects them to credit software and a professional website positions on tickets of 1 to 5 M FCFA with a commission of 8 to 12 %. It is a dense, lightly contested market on digital, where a single signature can earn more than 500,000 FCFA.
Why IMFs are an ideal target
In Senegal, microfinance is one of West Africa's most structured sectors, with a credit outstanding exceeding 700 billion FCFA (2026 order of magnitude) and hundreds of licensed SFDs. Yet digital maturity stays low: missing showcase sites, no client portal, manual portfolio management, weak mobile money integration.
The partner does not sell software: they identify a decision-maker (director, IT lead, mutual chairman) and connect them to Kolonell. The technical work stays with the agency.
| IMF need | Solution | Project ticket (FCFA) | Lead time |
|---|---|---|---|
| Institutional site + trust | Growth showcase | 500,000 – 1,200,000 | 10-15 d |
| Client portal (balance, due dates) | Web application | 1,500,000 – 3,000,000 | 4-8 wk |
| Custom credit/savings software | Business platform | 3,000,000 – 5,000,000+ | 8-16 wk |
| Wave / Orange Money integration | Payment module | 800,000 – 2,000,000 | 3-6 wk |
| Redesign + local SEO | Combined pack | 1,200,000 – 2,500,000 | 4-6 wk |
How much does the partner earn?
The Kolonell referral program rewards a completed introduction, without you touching code. Rates depend on the division:
| Division | Sale commission | Recurring | Sample ticket | Commission FCFA |
|---|---|---|---|---|
| Showcase | 15 % | 5 % | 1,000,000 | 150,000 |
| E-commerce | 12 % | 5 % | 2,000,000 | 240,000 |
| Marketplace | 10 % | — | 5,000,000 | 500,000 |
| Institutional | 8 % | — | 5,000,000 | 400,000 |
| IMF business software | 10 % | 5 % maintenance | 4,000,000 | 400,000 |
The winning logic with an IMF: bundle site + software. A Growth site (1.2 M) + credit software (4 M) = 5.2 M FCFA. At 10-12 %, the partner pockets 520,000 to 624,000 FCFA, plus recurring on maintenance.
Mini case study
Fatou, a former credit officer in Thiès, knows five savings-mutual directors. She introduces Kolonell to three of them. Two sign within the quarter: one a site + portal at 2,800,000 FCFA, the other a credit management software at 4,200,000 FCFA.
Her commission:
- Project 1: 2,800,000 × 11 % = 308,000 FCFA
- Project 2: 4,200,000 × 10 % = 420,000 FCFA
- Quarter total: 728,000 FCFA + recurring maintenance (≈ 25,000 FCFA/month cumulative)
Need a professional website?
Kolonell builds websites that attract clients, optimized for the Sénégalese market. Free quote in 2 minutes.
Without writing a line of code, simply by activating her sector network.
FAQ
Do I need finance expertise to be a microfinance referral partner?
A contact book in the sector is plenty. Industry knowledge helps you speak the decision-maker's language, but Kolonell handles all technical work and the demo.
What is the average IMF project ticket?
Between 1 and 5 M FCFA depending on scope. A simple site stays around 500,000 – 1,200,000 FCFA, a custom credit software climbs to 3-5 M FCFA and beyond.
When am I paid?
Commission is paid when the client deposit is collected and again at final balance, via Wave or Orange Money. The 5 % recurring runs as long as the maintenance contract is active.
How many signatures per year is realistic?
With a targeted network, 3 to 6 IMF projects per year are achievable, potentially 1.5 to 3 M FCFA in annual commissions.
Can I cover several sectors at once?
Yes. Many partners cover microfinance, schools and clinics in parallel to thicken their pipeline.
Let's talk about your project. Do you know IMFs or SFDs ready to go digital? Become a Kolonell partner and earn 8 to 12 % per signature. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
