The African Integrity Charter — Full

A practical framework for making trust, money, and decision-making visible in African SMEs.

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Trust already runs most African businesses.

Money moves on reputation. Suppliers take risks on relationships. Staff stay where they feel treated fairly. Communities support businesses they believe in.

The problem is not that integrity is missing. The problem is that it is often invisible, unwritten, and unevenly understood.

The African Integrity Charter (Full) is a way of turning what everyone assumes into something that can be:

• seen

• discussed

• tested

• and relied upon when pressure rises.

It doesn’t turn your business into a corporate legal entity. It helps your business become legible to:

• your team

• your suppliers

• to lenders and partners.

⭐ What This Full Version Adds Beyond the Lite Charter

The Lite Charter helps start the conversation.

The Full Charter works through that conversation in a structured way across:

• Decision authority

  Who can approve what — and where limits actually sit.

• Financial integrity

  How money is handled, documented, separated, and explained.

• Procurement and suppliers

  How suppliers are chosen, how fairness is protected, and how pressure is managed.

• Employment standards

  What staff can expect from the business and what the business expects in return.

• Community obligations

  Where they are recognised, where boundaries sit, and how they affect cash and risk.

None of this is presented as theory. It is presented as a set of working rules a real SME can actually use.

⭐ What You Receive

• The Full African Integrity Charter workbook (PDF)

• Practical sections you can complete with your team

• Realistic African SME scenarios (not textbook cases)

• Prompts designed to surface disagreement safely, before it becomes a dispute

You can use this:

• as a founder on your own

• in a leadership team

• or as the basis of a structured staff discussion.

⭐ What This Is — and What It Isn’t

This is:

• A practical governance tool

• A way to reduce avoidable conflict

• A foundation for future finance readiness

This is not:

• A legal compliance document

• A corporate governance code

• A Western boardroom framework disguised as something else

It respects how African businesses actually operate — and helps make that operation clearer and more durable.

⭐ Who This Is For

This is for:

• Founder-led SMEs that have grown beyond “everyone just knows how things work”

• Family businesses beginning to formalise operations

• Businesses preparing for more serious conversations with banks, DFIs, or large corporate clients

• Advisors supporting African SMEs who want a grounded governance starting point

⭐ A Quiet Truth

Most disputes don’t begin with bad people.

They begin with unclear rules under pressure.

The Full Integrity Charter doesn’t remove pressure.

It helps your business hold together better when pressure arrives.

⭐ Delivery

Instant digital download (PDF).

⭐ Next Step

If the Lite Charter helped you see where the gaps are, the Full Charter gives you a way to work through them — carefully, and at your own pace.