12/07/2026
ABOUT KARGOUM
Welcome to Kargum , the digital hub of excellence dedicated to the insurance and reinsurance ecosystem. It is a technological response to the challenges of underwriting and risk cession within the CIMA zone. In a financial paradigm now driven by the use of data and decision-making immediacy, Kargoum is becoming an essential digital foundation for CIMA market players.
OUR VISION
To be the driving force behind the digital sovereignty of the African insurance market. We aspire to build an interconnected ecosystem where technology breaks down geographical and operational barriers, allowing each player to unlock its full growth potential.
OUR BUT
Reinvent the underwriting and risk placement model. Kargum has been designed to saturate local and regional underwriting capacities before any international sale. The platform helps to document that local capacities have been exhausted before soliciting the international market. This facilitates compliance with regulators who often require justifications for overseas divestitures. Our ambition is to retain value and capital within our economies, thereby strengthening the financial strength of our common area.
MISSIONS OUR
Connect: Create a fluid and instant synergy between
Brokers, Insurers and Reinsurers via a dynamic marketplace.
Develop real-time networking by interconnecting decision-makers and
market experts to foster networking. Kargoum combines the power of a social network
strategic and effective risk investment marketplace.
Secure: Guarantee the integrity and traceability of
transactions thanks to the certified dematerialization of documents
(E-briefs).
Optimize: Drastically reduce the
subscription; and administrative management costs
by automating business processes.
STRATEGIC OBJECTIVES OF OUR
The ambition is to replace informal networks of influence with a structured and meritocratic marketplace.
1- Market Transparency:
The ambition is to replace informal networks of influence with a structured and meritocratic marketplace
– Centralization of Supply and Demand: Provide panoramic visibility into available underwriting capabilities, allowing courtiers to instantly identify the best risk carrier, beyond their usual circles.
– Accuracy of the Pricing: To promote a healthy emulation between the players to arrive at the first correct techniques, reflecting the reality of the risk and the real capacities of the CIMA market.
– Confidence Index : To set up performance and reliability indicators for the actors, strengthening the credibility of the speakers and the fluidity of exchanges.
2. Compliance:
Transform the regulatory constraint into an automated performance advantage.
– The Immutability of Article 308 : Facilitate the rigorous application of the regulatory framework, including Article 308 of the CIMA Code, by offering real-time evidence and reporting tools. Technically guarantee local retention priority. The platform forces the consultation of the capacities of the CIMA zone before any authorization of transfer abroad, thus protecting quotes and regional economic sovereignty.
– Unalterable traceability : Generate tamper-proof event logs for each placement. In the event of an inspection, the DNA has instant digital evidence, eliminating the risk of sanctions for lack of documentation.
– Real-Time Monitoring Reporting : To provide senior management and regulators with consolidated dashboards, allowing a consolidated view of commitments and compliance with solvency ratios.
3. Operational Excellence:
Eliminate administrative friction to unlock the business potential of professionals .
– Compression of Investment Cycles : Reduce time-to-market by automating low value-added tasks (multiple entry, email reminders, manual verifications). A complex risk is structured, disseminated and underwritten in a matter of hours instead of weeks.
– Standardization of Exchanges (E-slips) Unify risk presentation formats for quick reading and accelerated decision-making by underwriters.
– Zero paper, zero errors: Digitize the entire contractual chain to eliminate the risk of material errors, document loss and postal delays, guaranteeing total responsiveness to end customer requirements.
4. Data sovereignty:
Create the first repository of reliable statistical data in the CIMA area.
Predictive analytics : ActivateMarket participants can anticipate claims trends by
sector and geographical area thanks to the aggregation of big data.
–Strategic Decision SupportDeliver Benchmarking tools to policymakers to adjust their subscription policies and growth strategies on a scientific basis.
OUR ADDED VALUE
Kargoum is not only a technical platform; it is astrategic ally.
–For Brokers:Expanded access to insurers and simplified commission management.
–For Insurers:Agile co-insurance leverage and increased control over collections.
–For Reinsurers:A reliable source of data for precision underwriting.
–For the RegulatorKargoum is a new-generation monitoring tool offering complete traceability of flows. It allows real-time monitoring of compliance with Article 308 of the CIMA Code, ensures the control of the market's creditworthiness and provides reliable statistics for regulation, based on real and non-declarative data.
FUTURE PROSPECTS
Innovation is our compass. Tomorrow, Kargoum will integrate the power ofArtificial IntelligenceFor predictive risk analytics and technology Blockchain for automated contract ex*****on, we integrate parametric insurance and state-of-the-art solutions to build resilience to the climate and industrial challenges of the 21st century.
