• Pathways to Scale - Nigeria

    Hello, and thank you for your interest in applying to the Pathways to Scale (P2S) Program! Kindly note that the information collected here will serve as an initial due diligence process.
  • Please choose your preferred language / Da fatan za a zaɓi harshen da kuka fi so*

  • DATA PRIVACY & CONSENT NOTICE.

  • Are you completing the application for yourself or are you helping someone to fill it?*
  • I voluntarily agree to share my data with Pathways to Scale, Mastercard Foundation, and authorized third parties as described in the consent form.*
  • What gender do you identify as?*
  • What is your main role in the business?*
  • Can you make big decisions like buying, hiring, or growth by yourself?*
  • Have you ever taken part in a support program, funding or training funded by Mastercard Foundation?*
  • Which Mastercard Foundation program did you participate in?*

  • In which year did you participate in this program?*
  • Which organization referred you?*

  • What type of settlement do you live in?*
  • What type of settlement is your business located in?*
  • Do you work with rural communities (e.g., buy from them, provide services to, or employ women in rural areas)?*
  • How long have you been running this business?*
  • What is your business's registration status?*
  • What industry does your business operate in?*

  • Where do you need support on?*
  • Do you currently have the ability to participate in online training or coaching sessions (e.g. via Zoom, WhatsApp video, or similar tools)?*
  • Which device would you primarily use to join online sessions?*
  • Do you have managers or functional heads in your business (e.g., operations manager, sales manager, finance officer)?*
  • What are your main costs each month? Please select ALL the options that apply.*

  • Now, are there any months when your business doesn't make sales at all?*
  • Which months do you typically NOT make sales? Please select all that apply.*
  • What do you usually do during those hard months?
  • Do your sales or profits change a lot across the year?*
  • In a normal year, for how many months do you usually make sales or profit from this business?*
  • Which are your best months for sales? Please select all that apply.*
  • When do your customers usually pay you?*
  • And when do you usually need to pay for things in your business — like buying stock, paying workers, or transport?*
  • Is there ever a time when you need to spend money for your business before you receive payment from customers?*
  • How do you manage during those times when you spend before you earn?*
  • How do you track your business income and expenses?*
  • Have you ever taken a loan before — for your business or even at home?*
  • Where did you get that loan from?*

  • Were you able to pay it back fully?*
  • Do you have any loans you are still paying back?*
  • If you got a loan today for your business, what would you use it for?*

  • Do you currently save money for your business — for emergencies or future investments?*
  • Where do you usually save it?*

  • Besides your main business, do you have any other sources of income — like selling other products, doing other work, or support from family?*
  • If you wanted to grow your business and sell more, could you find new buyers easily?*
  • If your business grows through the training and funding from this program, could you hire more people or give more work to others?*

  • Financial Verification Phase

  • What is your exact role in the business?*

  • What systems or tools do you use to run your business? Select all that apply.*
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  • How many reliable suppliers do you have for your main products or materials?*

  • Financial Documentation & Verification

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  • What type of financial records do you maintain for your business?*
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  • Is your Tax Clearance Certificate current and valid?*
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  • Credit History & Loan Readiness

  • Have you taken business loans before?*
  • Please describe your loan repayment history.*
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  • Do you have any loans you are still paying back?*
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  • How confident are you that your business can repay this loan on time?*
  • Where will the money for loan repayments come from? (Select all that apply)*
  • If your business faces difficulties, what backup plans do you have to ensure loan repayment? (Select all that apply)*
  • How confident do you feel in your ability to cope with financial or personal shocks? (1 = not confident, 5 = very confident)*

  • Business Resilience & Risk Management

  • In the last 1-2 years, has your business experienced any major disruption (e.g., illness, supply issues, loss of major customer, pandemic impact)?*
  • Do you have committed credit lines or overdraft facilities from any bank?*
  • Do you have business insurance coverage? (Select all that apply)*
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  • Have you ever received funding or investment from any external organization (e.g. grants, loans, equity investment)?*
  • What type of funding did you receive?*

  • Was any of this funding provided through a program supported by the Mastercard Foundation?*

  • Regulatory Compliance & Governance

  • Do you have all required licenses and permits for your business?*
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  • In the last 12 months, how many times have your business cheques or payments been returned or bounced?*

  • Gender & Impact

  • Is the business female-led?*
  • Is the business owned by women? (Select the option that best describes the ownership structure)*
  • Who are the primary beneficiaries of your business’s products or services? (Select all that apply)*

  • How does your product or service specifically help women (beyond employment)? (Select all that apply)*

  • What types of jobs are created for women? (Select all that apply)

  • Are these jobs safe, dignified, and income-stable? (Select all that apply)*

  • BDS History

  • Have you accessed any Business Development Services (BDS) support before (training, coaching, mentoring, advisory)?*
  • What type of BDS support have you accessed before? (Select all that apply)*

  • Have you ever attended training on financial literacy or loan management?*

  • Additional Information

  • Are you currently displaced from your usual home?*
  • What best describes your current status?*
  • Do you identify as a person with a disability (PWD)?*
  • What type of disability do you have? (Select all that apply)*

  • HAUSA

  • DATA PRIVACY & CONSENT NOTICE.

  • Na yarda da kaina in raba bayanai na da Pathways to Scale, Mastercard Foundation, da kuma wasu kamfanoni na daban da aka ba wa iko kamar yadda aka bayyana a cikin takardar amincewar nan.*
  • Wace jinsi ce kai/ke?*
  • Wane babban matsayi kake/kike da shi a wannan sana’ar?*
  • Kana iya yanke manyan shawarwari da kanka, kamar saye-saye, ɗaukar ma’aikata, ko faɗaɗa kasuwanci?*
  • Shin ka/ki taɓa shiga wani shirin tallafi, tallafin kuɗi, ko horo wanda gidauniyar Mastercard (Mastercard Foundation) ta ɗauki nauyi?*
  • Wanne shirin gidauniyar Mastercard (Mastercard Foundation) ne ka/ki ka taɓa shiga?*

  • A wace shekara ne ka/ki ka shiga wannan shirin?*
  • Wace ƙungiya ce ta tura ka/ki?*

  • Wane irin yanki ne kake/kike zaune?*
  • Wane irin yanki ne sana'arka/ki take?*
  • Shin kana/kina aiki da mutanen karkara (misali, saya daga wurinsu, ba su ayyuka, ko ɗaukar mata daga karkara aiki)?*
  • Tun yaushe kake/kike gudanar da wannan sana'ar?*
  • Wane matsayi sana'arka/ki take da shi wajen yin rajista?*
  • Wane fanni ne sana'arka/ki take?*

  • A wane ɓangare kake/kike buƙatar tallafi?*
  • Shin a halin yanzu kana/kina da ikon shiga horo ko tattaunawa ta yanar gizo (misali ta Zoom, WhatsApp video, ko makamantan su)?*
  • Wace na'ura ce zaka/zaki fi amfani da ita wajen shiga horon yanar gizo?*
  • Shin kana/kina da manajoji ko shugabannin sassa a cikin sana'arka (misali, manajan ayyuka, manajan tallace-tallace, ko jami'in kuɗi)?*
  • Wadanne ne manyan abubuwan da kake/kike kashe wa kuɗi a kowane wata? Don Allah zaɓi duk abubuwan da suka dace.*

  • Shin akwai wasu watanni da sana'arka/ki ba ta yin kowane irin ciniki ko kaɗan?*
  • Wadanne watanni ne yawanci ba kwa yin ciniki? Don Allah zaɓi duk abubuwan da suka dace.*
  • Me kake/kike yawanci yi a lokacin waɗannan watanni na wahala?
  • Shin ciniki ko ribarka suna sauyawa sosai a tsawon shekara? **
  • A cikin shekara ta yau da kullun, watanni nawa ne yawanci kake/kike samun ciniki ko riba daga wannan sana'ar?*
  • Wadanne watanni ne suka fi ba ku nasarar ciniki? Don Allah zaɓi duk abubuwan da suka dace.*
  • Yaushe ne yawanci abokan cinikinka/ki suke biya?*
  • Yaushe ne yawanci kake/kike buƙatar biyan kuɗaɗen sana'arka — kamar sayan kaya, biyan ma'aikata, ko sufuri?*
  • Shin akwai lokacin da kake/kike buƙatar kashe kuɗi don sana'arka kafin ka/ki karɓi kuɗi daga hannun abokan ciniki?*
  • Yaya kake/kike gudanar da rayuwa a lokutan da kake/kike kashe kuɗi kafin ka/ki samu riba?*
  • Yaya kake/kike bin sawun kuɗaɗen da ke shigowa da waɗanda kake/kike kashewa a sana'arka?*
  • Shin ka/ki taɓa karɓar bashi a baya — don sana'arka/ki ko don buƙatun gida?*
  • Daga ina ka/ki ka samo wannan bashin?*

  • Shin ka/ki sami damar mayar da bashin gaba ɗaya?*
  • Shin kana/kina da wasu basussuka da kake/kike biya a halin yanzu?*
  • Idan ka/ki sami bashi a yau don sana'arka/ki, me zaka/zaki yi da shi? **

  • Shin a halin yanzu kana/kina tanadin kuɗi don sana'arka/ki — don abubuwan gaggawa ko jarin nan gaba?*
  • A ina kake/kike yawanci ajiye wannan tanadin?*

  • Bayan babban sana'arka/ki, shin kana/kina da wasu hanyoyin samun kuɗi daban — kamar sayar da wasu kayan, yin wani aikin, ko tallafi daga dangi?*
  • Idan kana/kina son faɗaɗa sana'arka/ki don ƙara yawan ciniki, shin za ka/ki iya samun sabbin masu saya cikin sauƙi?*
  • Idan sana'arka/ki ta haɓaka ta hanyar horo da tallafin kuɗi daga wannan shirin, shin za ka/ki iya ɗaukar ƙarin ma'aikata ko ba wa wasu aikin yi?*

  • Financial Verification Phase

  • Wane matsayi ne na ainahi kake/kike da shi a wannan sana’ar?*

  • Wadanne tsare-tsare ko kayan aiki kake/kike amfani da su wajen tafiyar da sana'arka? Zaɓi duk abubuwan da suka dace.*
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  • Masu kawo kaya nawa kake/kike da su waɗanda za a iya amincewa da su (reliable) don manyan kayayyakin sana'arka?*
  • Shin kana/kina da wasu basussuka da kake/kike biya a halin yanzu?*
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  • Financial Documentation & Verification

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  • Wane nau'in bayanan kuɗi kake/kike adanawa don sana'arka/ki?*
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  • Shin Takardar Shaidar Harajinka/ki tana aiki kuma ingantacciya ce?*
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  • Credit History & Loan Readiness

  • Shin ka/ki taɓa karɓar bashin sana'a a baya?*
  • Don Allah bayyana tarihin yadda kake/kike mayar da bashi.*
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  • Wane matakin amincewa kake/kike da shi cewa sana'arka za ta iya mayar da wannan bashin akan lokaci?*
  • Daga ina kuɗin mayar da bashin zai fito? (Zaɓi duk abubuwan da suka dace)*
  • Idan sana'arka ta fuskanci matsaloli, wadanne tsare-tsare kake da su don tabbatar da an mayar da bashin? (Zaɓi duk abubuwan da suka dace)*
  • Wane matakin amincewa kake da shi game da ikonka na tunkarar matsalolin kuɗi ko na kashin kai? (1 = ba ni da amincewa, 5 = ina da cikakken amincewa)*

  • Business Resilience & Risk Management

  • A cikin shekaru 1–2 da suka gabata, shin sana'arka ta fuskanci wata babbar tangarda (misali, rashin lafiya, matsalar samun kaya, rasa babban abokin ciniki, ko tasirin annoba)?*
  • Shin kana/kina da tsayayyen layin bashi (credit lines) ko damar cire kuɗi fiye da abin da ke asusunka (overdraft) daga kowane banki?*
  • Shin kana/kina da kowane irin inshorar kasuwanci? (Zaɓi duk abubuwan da suka dace)*
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  • Shin ka/ki taɓa karɓar tallafin kuɗi ko saka hannun jari daga kowace ƙungiya ta waje (misali: kyautar kuɗi (grants), rance, ko saka hannun jarin hannun jari (equity))?*
  • Wane nau'in tallafin kuɗi ka/ki ka karɓa*

  • Shin wani daga cikin waɗannan tallafin an ba da shi ne ta hanyar wani shiri da Gidauniyar Mastercard (Mastercard Foundation) ke tallafawa?*

  • Regulatory Compliance & Governance

  • Shin kana/kina da dukkan lasisi da izini da ake buƙata don sana'arka/ki?*
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  • A cikin watanni 12 da suka gabata, sau nawa ne aka mayar da cek (cheque) ko biyan kuɗin sana'arka/ki saboda rashin kuɗi (bounced)?*

  • Gender & Impact

  • Shin mata ne ke shugabantar sana'ar?*
  • Su wa ne manyan masu amfana da kayayyaki ko ayyukan sana'arka/ki? (Zaɓi duk abubuwan da suka dace)*

  • Ta wace hanya ce musamman samfurinka ko sabis ɗinka yake taimaka wa mata (bayan batun samar da aikin yi)? (Zaɓi duk abubuwan da suka dace)*

  • Waɗanne nau'ikan ayyukan yi ake samarwa ga mata? (Zaɓi duk abubuwan da suka dace)

  • Shin waɗannan ayyukan suna da aminci, daraja, da tabbataccen kuɗin shiga? (Zaɓi duk abubuwan da suka dace)*

  • BDS History

  • Shin ka/ki taɓa samun kowane irin tallafin Haɓaka Sana'a (BDS) a baya (kamar horo, koyarwa ta musamman, ko ba da shawara)?*
  • Wane nau'in tallafin BDS ka/ki ka taɓa samu a baya? (Zaɓi duk abubuwan da suka dace)*

  • Shin ka/ki taɓa halartar horo kan ilimin lissafin kuɗi ko dabarun gudanar da bashi?*

  • Additional Information

  • Shin a halin yanzu an raba ka/ki da muhallinka/ki na asali?*
  • Wane bayani ne ya fi dacewa da matsayinka/ki a halin yanzu?*
  • Shin kana/kina ɗaya daga cikin mutane masu buƙatu na musamman (PWD)?*
  • Wane nau'in buƙatu na musamman kake/kike da shi? (Zaɓi duk abubuwan da suka dace)*
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