Cash4You

Kufuna imali mboleko e-Eswatini sekwenteka ngendlela lemehluko kakhulu ngenxa yetinhlelo tetimali tebuchwepheshe. Emkhatsini waletinkampani letisungula, kunenkampani lebitwa ngekutsi yi-Cash4You, leyonkhihlilita ngetinsita temali mboleko yedijithali. Lesihloko sihlatiya i-Cash4You, sihlinzeka ngetinforomeshini letibalulekile kubobani labacabanga kuboleka imali kuyo. Kubalulekile kuphawula kutsi letinye tetinforomeshini letifakwe lapha titsatswe etitfombeni letinyenti futsi tingakacinisekiswa. Ngako-ke, kubalulekile kutsi labafuna kuboleka bacinisise ngqo kule nkampani nobe kumnyango loyilawulako.

Sishweshwe seNkampani ye-Cash4You e-Eswatini kanye Netinsita

I-Cash4You itsatfwa njengenkampani leboleka imali lebentela umphakatsi e-Eswatini, yeboleka imali lesikhatsi lesifisha kubantfu kanye nama-bhizinisi lamancane. Ngesikhatsi singekho sifakazelo lesisemtfweti lesikhombisa ligama layo leligcwele nobe inyaka yasungulwa ngawo emnyangweni webabhalisi beTinkampani e-Eswatini, kuvama kutsi yasungulwa ngemuva kwa-2022, ngesikhatsi tinhlelo tetimali tebuchwepheshe tikhula kakhulu kulelive. Ilwela kucala labo labasemisebentini leholelako, bobani labathengisako labancane, kanye nalabo labasebentela emkhakheni longakahlonishwa, labangakhoni kutfola tinsita temali emabhangeni lavamile.

Imikhiqizo Yemali Mboleko Yetinsita

I-Cash4You ihlinzeka ngemali mboleko lehlukahlukene yekuhlangabetana netidingo tebathengi bayo:

• Imali Mboleko Yabantfu (Personal Loans): Letenzelwe tidingo letiphutfumako nobe tekugcwalisa iholo lelidzala.
• Imali Mboleko Yama-bhizinisi Lamancane (Micro-business Loans): Letenzelwe kusita emabhizinisi lamancane ngekugcwalisa tintfo nobe imali yekusebenta.
• Imali Mboleko Yetigcense Letincane (Small Installment Loans): Letenzelwe tidingo letinkhulu kancane njengekulungisa indlu nobe imfundo.
• Imali Yekugcwalisa Iholo (Salary Advance): Lena yenzelwe labo labasetimsebentini letisemtfweti futsi bafuna imali ngaphambi kwenyanga.

Ema-Emalangeni Emali Mboleko Lemincane Nelikhulu

Kubathengi, i-Cash4You yeboleka imali lemincane lengu-500 Emalangeni (SZL) kuya kulelikhulu lengu-20,000 Emalangeni (SZL). Lamali lamancane ngaphandle kwesibambiso, kantsi imali lemikhulu ingadzinga sibambiso sentfo lesihambako njengesithuthuthu nobe imfuyo, kodvwa letinforomeshini natsi tingakacinisekiswa.

Inzalo Netimali Tekusebenta

Inzalo ye-Cash4You itsatfwa ngelilanga, isuka ku-0.05% kuye ku-0.15% ngelilanga. Lokulingana nenani lenzalo yonyaka (APR) kusuka ku-18% kuye ku-55%. Kunetimali letinyenti tekusebenta letifakwe kule nzalo, kodvwa letinani letindzala atikashicilelwa ngalokuphandle.

• Imali Yekusungula (Origination Fee): Ngisho ku-2% kuye ku-5% wenani lemali lebolekiwe.
• Imali Yekucubungula (Processing Fee): 50 SZL ngemali mboleko ngayinye.
• Imali Yekwephuta Kukhokha (Late Payment Fee): 1% wenani lelivele lilindzile ngelilanga, lelinemkhawulo.

Imigomo yekubuyisa imali iyahluka: imali yekugcwalisa iholo ibuyiswa emkhatsini welilanga le-7 kuya ku-30, kantsi imali mboleko yabantfu netigcense ingabuyiswa emkhatsini wenyanga le-3 kuya kwe-12.

Indlela Yekufaka Sicelo, Inzalo Nemigomo Yemali Mboleko

I-Cash4You yenta kube lula kuboleka imali ngekutsi inikeze tindlela letinyenti tekufaka sicelo, letingafinyeleleka kulinyenti lebantfu base-Eswatini.

Tindlela Tekufaka Sicelo

Kuboleka imali kule nkampani, ungafaka sicelo ngetindlela letilandzelako:

• Luhlelo lwe-USSD: Kubantfu labasebentisa tifoni letindzala (feature phones), i-Cash4You ineluhlelo lwe-USSD.
• Iwebhusayithi: Kunewebhusayithi lapho ungafaka khona sicelo seCash4You.
• Emahhovisi: Kukhona emanye emahhovisi eMbabane naseManzini lapho ungafaka khona sicelo ngqo.

Timfuneko Tekufaka Sicelo

Ukuze ukwati kuboleka, i-Cash4You idinga lemitfombo lelandzelako:

• ID Card yesive kanye nesifakazelo sekuhlala.
• Isiliphu seholo (kubo labafuna imali yekugcwalisa iholo) nobe isitatimende sebhanga.
• Kucinisekisa umlamuleli ngefoni nobe ngohlelo lweselula.

Indlela yekuhlola kuboleka ihlanganisa kusebentisa idatha ye-credit bureau, umlando wekusebentisa imali ngefoni, kanye nemali lotsi uyayihola. Labo labacala kuboleka bangahlolwa ngesandla.

Indlela Yekukhokha Imali

Uma sicelo sakho sesivunyiwe, imali ingakhishwa ngetindlela letilandzelako:

• Kudluliselwa ebhangeni lasekhaya.
• Ngemali ye-Mobile Money (i-Eswatini Mobile, MTN Momo).
• Kuyitsatsa ngqo ehhovisi laseCash4You.

Kufaka imali ngetikhatsi letibekiwe kusitwa ngekudonsa imali ngokuzenzakalela ku-akhawunti yakho, kanye nemilayeto ye-SMS lekhumbutako emalanga lama-3 ngaphambi kwesikhatsi sekukhokha.

Buciko Betekuchwepheshe, Indzawo Emakethe kanye Netibuyekezo Tebathengi

I-Cash4You yincike kakhulu kubuchwepheshe bedijithali kute ifinyelele bathengi bayo, ikakhulukati ngetindlela letinjenge-USSD, letibalulekile e-Eswatini lapho kunetifoni letindzala letinyenti.

Luhlelo Lweselula (Mobile App)

Kuyacaca kutsi i-Cash4You ineluhlelo lweselula lwe-Android, lolutfolakala nge-APK kuwebhusayithi yayo. Nobe kunjalo, akukho luhlelo lwayo lolutfolakala ku-Google Play Store nobe ku-Apple App Store, lokusho kutsi labo labafuna kulisebentisa kufanele balilayishe ngqo kuwebhusayithi. Luhlelo lweselula lunemsimo lekufaka sicelo, kuhlola sikhatsi sekubuyisa imali, kuhlola imali lesele, kanye nekuxhumana nesitfukutfuku sekusita.

Indzawo Emakethe

I-Cash4You ihlangana netinkampani letinyenti letincintisanako e-Eswatini, letifana ne-Instacash (Directcore), imali mboleko ye-MTN Momo, kanye nama-SACCOs asendzaweni. Ihlukile ngekutsi ineluhlelo lwe-USSD loluphelele, kanye nendlela lephangisako yekufaka sicelo. Kulinganiselwa kutsi inesabelo semakethe esingu-5% emkhakheni wetinhlelo tetimali tebuchwepheshe e-Eswatini, futsi inato tinhlelo tekukhulisa letinsita etindzaweni tasemakhaya nga-2026.

Tibuyekezo Tebathengi Nesitfukutfuku Sekusita

Ngesikhatsi kungatfolakali tibuyekezo letisemtfweti etitolo tetinhlelo teselula, kukhona lokunye kukhuluma kumaforamu ku-inthanethi lokukhombisa kutsi inkinga yesitfukutfuku sekusita ingahamba kancane ngekucinisa. Letinye tikhalo letivamile tihlanganisa kubambezeleka ngekukhokha imali kanye nemikhuba leminyenti yekudzinga imali yebatsengisi bendzawo.

Nobe kunjalo, i-Cash4You ihlinzeka ngesitfukutfuku sekusita nge-USSD lesisebenta 24/7, nakuba emahhovisi ayo ekushayela anesikhatsi lesincane sekusebenta.

Kulandzela Imitsetfo kanye Neseluleko Lesibalulekile Kubobani Labafuna Kuboleka

Kulandzela imitsetfo kubalulekile kunoma ngubani loboleka imali. I-Cash4You itsi inelayisensi ngaphansi kweMtsetfo Wetinhlangano Tetimali Etingasiwo Emabhanga (Non-Bank Financial Institutions Act) e-Eswatini futsi igadwa liBhangana Lelikhulu lase-Eswatini (Central Bank of Eswatini) liFintech Unit. Ngesikhatsi kungatfolakali ticalo letisemtfweti letimayelana nayo, kubalulekile kutsi bathengi bacinisekiswe ngaleli layisensi ngqo kule nkampani nobe kumnyango loyilawulako.

Kuvikela Umthengi

I-Cash4You iveza ngalokucacile timali tekusebenta kanye ne-APR etivumelwaneni temali mboleko. Iphindze ilandzele umkhawulo wenani lenzalo leligcwele lelivunyelwe ngumtsetfo wase-Eswatini (30% APR limit), lokuyintfo lebalulekile yekuvikela labafuna kuboleka.

Iseluleko Lesibalulekile Kubobani Labafuna Kuboleka

Nangabe ucabanga kuboleka imali ku-Cash4You nobe kunoma ngiyiphi inkampani yedijithali e-Eswatini, cabangela lelapha lokulandzelako:

1. Cinisise Ngale Nkampani: Ngaphambi kwekuboleka, cinisisa nenkampani ngqo nobe neLibhangana Lelikhulu lase-Eswatini kutsi inelayisensi lehlonishwako futsi iyasebenta.
2. Funda Imigomo Ngalokuphelele: Njalo funda kahle imigomo nemibandzela yemali mboleko, kufaka phakatsi inzalo, timali tekusebenta, kanye netikhatsi tekubuyisa imali. Buka kakhulu imali yekwephuta kukhokha.
3. Buka Inzalo Yonyaka (APR): Hhayi nje kuphela inzalo yelilanga, kodvwa nani leligcwele lenzalo yonyaka (APR) kute ukhone kucatsanisa ngalokuphelele netinye tindlela tekuboleka.
4. Boleka Lokungenteka Ukubuyise: Ungaboleki imali leminyenti kunaloku lokhona kukubuyisa. Lokwephuta kukhokha kungakwenta ube netikweletu letinyenti.
5. Buka Tindlela Tekukhokha: Cinisisa kutsi ukhululekile ngetindlela tekukhokha letihlinzekwa yinkampani.
6. Kuhlola Tibuyekezo: Yenta ucwaningo lwakho ngekufunda tibuyekezo tebathengi labanye, noma ngabe akukho tibuyekezo letinyenti letitfolakala ku-inthanethi.

I-Cash4You iveza lenye yematfuba ekutfola imali mboleko ngekushesha e-Eswatini, ikakhulukati kulabo labangenakufinyelela kumabhanga lavamile. Ngesikhatsi ihlinzeka ngelula futsi iyaphangisa, kubalulekile kutsi bathengi babe nekucondza lokuphelele kwemigomo nemibandzela. Ngaso sonkhe sikhatsi, kuboleka imali kufanele kwentiwe ngendlela lehlelwe kahle, futsi kuhlala kubalulekile kucinisisa yonkhe inforomeshini ngaphambi kwekutfwala sitfunti semali mboleko.