To move beyond static, theoretical market estimates, CRA Global has developed the SIGMA System. This is a proprietary scenario-modelling engine designed to provide the IFC and Zep-Re with actionable, real-time market intelligence. While baseline MSME insurance penetration in Sub-Saharan Africa currently stagnates below 3%, this interactive platform allows stakeholders to instantly visualize the macroeconomic impact of scaling specialized, de-risking products. By adjusting target penetration rates and premium assumptions across highly granular regional and sectoral cross-sections, users can instantly quantify the addressable market, project Gross Written Premium (GWP) pools, and track strict alignment with IFC female-ownership mandates. Crucially, the tool calculates the "Credit Multiplier"—demonstrating mathematically how mitigating operational risk at the MSME level directly unlocks new liquidity for commercial lending in the informal sector. Instructions for Evaluators: Use the control panel below to test regional Go-To-Market assumptions (note that the tool will be finalized once the project starts and will be significantly improved). The country data for Uganda and the DRC will be added in as well.
