01
Shop
Susan buys essentials from participating businesses. Qualifying transactions are recorded.
HomeHow we help members
Meet Susan. Everyday needs. New possibilities.
From shopping for her family to building an ownership portfolio — this is how SAMBO helps members move forward.
01 / Start with everyday life
Same household needs.
A different relationship with the economy.
Susan is a working South African. She spends R12,000 a month on groceries, fuel, connectivity and the services her family needs. SAMBO helps her understand the businesses behind those purchases — and explore qualifying ownership interests in them.
Her shopping supports businesses today. Separately, disclosed contributions or qualifying allocations can help her build documented business and property investments over time.
Susan is an illustrative member, not a testimonial. The businesses and amounts below explain the model; availability and participation depend on current programme terms.
Susan's monthly household spendingR12,000
Food. Fuel. Family. Everyday life.
See Susan’s spending breakdown ↓02 / Understand the ownership journey
From customer to participating owner.
02
Allocate
A disclosed contribution, earned reward or lawful profit allocation may fund an investment. Her shopping budget is not automatically invested.
03
Own
Approved instruments document what Susan holds, her rights, the fees and the assets to which she has exposure.
04
Track
She can review official statements and any eligible distributions. Property rentals and trading profits are accounted for separately.
Property income
Potential income from shops, homes and other property, after expenses and financing obligations.
Business profits
Potential distributions from participating trading businesses, after their costs and obligations.
Neither income stream is guaranteed. Susan owns only the interests actually issued and allocated to her, not every business or development in the ecosystem.
A closer look at Susan's budget
The everyday purchases behind the story.
| What she buys | Ecosystem business | Monthly spend |
|---|---|---|
| Groceries | Food Corner | R4 000 |
| Meat | Lifestyle Meat Co. | R1 500 |
| Fuel | MyFuel | R2 000 |
| Airtime & data | KoraChat | R800 |
| Household goods | Stratum Home | R1 000 |
| Insurance | Stratum Insurance | R700 |
| Travel | Azania Travel | R500 |
| Dining & leisure | eKasi Rooftop | R500 |
| Other services | Stratum Services | R1 000 |
| Total household spending | R12,000 | |
What could the business economics look like?
At an assumed 8% profit margin, R12,000 in spending illustrates R960 in associated monthly business profit. This is not Susan’s income, investment balance or entitlement. Actual profits, allocations and distributions depend on verified results and the applicable agreements.
The intended 90% participation model concerns eligible distributable profits under the relevant structure. It is not a guaranteed return or an individual 90% stake.
03 / Support the whole family
Ownership is only part of Susan’s story.
Professional teams help Susan explore appropriate services for her needs, supported by licensed financial services providers. Banking products are provided by South Africa’s top four banks, working closely with our professional teams.
A home of her own
Budgeting, protection and access to home-loan assessment by the responsible bank.
Getting the family moving
Vehicle finance options, affordability support and appropriate motor cover.
Health & family protection
Healthcare options, life and disability cover, and financial planning for the people she loves.
A future worth planning
Retirement planning, diversified investment advice, wills and estate-planning support.
Products depend on availability, provider mandates and applicable terms. Credit requires affordability and credit assessment; membership or investment statements do not guarantee approval.
04 / Grow the businesses behind her basket
One purchase. A connected value chain.
When Susan buys fresh food, she supports more than a shop. Participating farms, logistics businesses, retailers and property owners each play a part — and qualifying investments may give her exposure to different parts of that chain.
Produce
Farms, food processing and essential supplies.
Move
Delivery, cold storage and distribution.
Serve
Neighbourhood shops and everyday services.
House
The properties where businesses and families thrive.
Professional support helps participating businesses plan, manage accounting and payroll, protect operations and explore working capital, equipment and property finance through the responsible providers.
Stratum Property Group’s long-term vision spans Mini Complexes, mixed-use developments, Sports Cities and Inclusive African Cities. Development ambitions are not completed assets or confirmed member holdings.
05 / Know who does what
One ecosystem. Clear responsibilities.
The SAMBO ecosystem is managed by Stratum Financial Services, supported by licensed financial services providers working with banks.
SAMBO
Brings members together, explains the ownership model and connects them to participating opportunities.
Stratum Property Group
Develops the property ecosystem in which participating businesses are mostly incubated.
Stratum Financial Services
Manages the ecosystem and coordinates professional support for members and businesses.
Licensed providers & banks
Licensed financial services providers deliver services within their mandates. South Africa’s top four banks provide banking products, working closely with professional teams. The appointed issuers, administrators and custodians are responsible for investment records and any lawful distributions under the relevant agreements.
Be part of the economy you support.
Building Owners. Building Communities. Building Generational Wealth.
Join SAMBO