Getting started is as simple as accessing the website or platform and following the instructions. If your company has partnered with Sikamaster, you'll be able to easily sign-up and use Sikamaster's EWA service.

Sikamaster Earned Wage Access (EWA) is a revolutionary social benefit that allows an employee to access their earned but unpaid wages when they need it. Say goodbye to account overdrafts, pay day loans and micro credits.

With Sikamaster EWA an employee can withdraw the wages or salaries they have earned but not been paid, within a pay period, directly into their bank account, or momo account. This benefit is offered to companies at no cost hence employers can attract talent, retain talent and improve the productivity of their employees.

Essentially Sikamaster is an Earned Wage Access (EWA) provider. ‍ Explore how it works for employees and businesses

EWA allows employees to access some of their already earned but unpaid wages or salaries before payday to avoid unnecessary debt caused by shortfalls at the end of the month or when unexpected bills arise.

For illustration: Imagine you are paid monthly and today is the 4th or 12th day of the month. For those days you have already worked you have literally earned the wages for them however you have not been paid for them. Typically you won't receive your wages or salary until payday at the month end. EWA allows you to access a portion of the wages or salary you have earned but not yet been paid so here a portion of your wages or salary earned up to the 4th or 12th day will be available for you to withdraw.