The CFOIP Journal

Diagnostic insights, cohort findings, and operating beliefs.

What we are learning from running structured diagnostics with African founders, SMEs, and scale-ups. Published as we learn it.

More from the journal

44%17%CFOIP cohortbank book
Cohort Data
Cohort Data · 5 min read

44% women-led: what the Kenyan credit book got wrong about SME readiness

Our Q2 2026 cohort is 44% women-led, against a Kenyan commercial bank SME benchmark of around 17%. Women founders are scoring higher than men on Revenue Clarity, Cost Structure, and Operations. The risk profile of a capital vehicle routed through this pipeline would look materially different.

8 June 2026
StartABCFounderInstitutionSystem
Theory of Change
Theory of Change · 7 min read

Three pathways from diagnostic to growth: founder, institutional, systems

Founder, institutional, and systems pathways operate on different timelines and require different MEL methodologies. Here is how we measure what we are actually doing, and why every diagnostic activates one of the three.

5 June 2026
75%one customer!
Founder Story
Founder Story · 5 min read

Customer concentration: the risk founders normalise until it kills the business

A diversified manufacturer in our cohort scored 117 of 150 as a Scaler. The diagnostic still surfaced two gaps the founder had not named, including one structural risk that quietly kills more African SMEs than anything else.

2 June 2026
56founders
Q2 Review
Q2 Review · 8 min read

What 56 founders taught us in Q2 2026

Eight structural insights from the first operating cohort. Founders know revenue better than margins. Sales activity is mistaken for business structure. And affordable senior advisory is a clear market need.

29 May 2026
ClarityStructureCapability
Core Belief
Core Belief · 4 min read

Clarity before capital. Structure before scale. Capability before complexity.

Our three operating beliefs explained. Most businesses do not fail because founders lack ambition. They struggle because the business lacks the financial clarity, systems, governance, and decision-support infrastructure required for the next stage.

25 May 2026

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