EswaCredit

Isingeniso ku-EswaCredit e-Eswatini: Sibukeka Kanjani Le Nkampani?

Kufuna imali e-Eswatini kuyindzaba lebalulekile kubantfu labanyenti, ikakhulukati labo labafuna timali letincane kute bahlangabetane netidzingo letiphutfumako noma kute bacebise emabhizinisi abo lamancane. Kuvela kwebabolekisi bemali bedijithali kunikeza indlela lehluke kuleyo yetikhungo tetimali letijwayelekile. Kulomhlatiyo, sibuka i-EswaCredit, inkampani lecutjangwa kutsi yenta imisebenti yekubolekisa imali ngedijithali e-Eswatini.

Kubalulekile kuphawula kusukela ekucaleni kutsi imininingwane leminyenti mayelana ne-EswaCredit ayikagcinsi futsi ayikamenyeselwa emphakatsini. Ngenxa yaloku, umhlatiyo wethu ususelwa kulokucatjangwa kutsi kunjalo kantsi futsi uhlanganisa emaluleko ngenca yekungagcaci kwemininingwane. Ngokungafani netikhungo tetimali letijwayelekile letilawulwa yiNkhundla Yemali Yase-Eswatini (CBE), i-EswaCredit ayikabonakali ivela kuluhla lwetikhungo letineimvumo yekusebenta ku-CBE. Loku kubalulekile kakhulu kulabo labafuna kuboleka imali, njengoba kusho kutsi kungase kube khona ingoti mayelana nekuvikelwa kwemakhasimende kanye nekugcaca kwemigomo yemali.

Ngokungamenyeselwa kwemininingwane lephelele yemlandvo wenkampani, ligama layo lelisemtsetfweni, nekubhaliswa kwayo ku-Registrar of Companies, kungaba matima kwati kutsi i-EswaCredit yasuswa nini, ngubani loyincosile, nobe ngubani loyiphetse. Lokucatjangwa kutsi yimikhandlu yayo yekubolekisa imali ngedijithali, lapho itsemba khona kutsi izofinyelela bantfu labahola kancane labaneiholo kanye nabasomabhizinisi labancane.

Umlandvo Nekusebenta Kwenkampani (Lwati Lolungakagcinsi)

• Ligama Lemtsetfo Nekubhalisa: Ligama lelisemtsetfweni le-EswaCredit alingamenyeselwa emphakatsini. Ayikabonakali kuluhla lwetikhungo letineimvumo yekusebenta ku-CBE nobe irekhodi ye-Registrar of Companies.
• Unyaka Yasungulwa Nekuphetfwa: Unyaka lechasungulwa ngawo awukatiwa, futsi kuphetfwa kwayo kungakagcinsi (kungaba ngabacosi bemali labatimele nobe labasemkhakheni wendawo).
• Indlela Yebhizinisi Nemakethe: Indlela yebhizinisi yayo kutsiwa yikubolekisa timali letincane noma timali temphakatsi ngetindlela tedijithali (lokungakagcinsi). Imakethe leyihlose kungaba labahola iholo kancane kanye nabasomabhizinisi labancane (lokucatjangwa ngokuya ngelabanye babolekisi betimali letincane esifundzeni).
• Baphathi Lababalulekile: Baphathi bayo abakamenyeselwa emphakatsini.

Imikhiqizo Nemisebenti YeMalimboleko

Ngenxa yekungagaci kwemininingwane, alukho luhla lolugcinsekile lwemikhiqizo ye-EswaCredit. Kepha, ngokusekelwe kulokujwayelekile emkhakheni wekubolekisa timali letincane e-Eswatini, singacabanga kutsi bangase banikeze imikhiqizo lelandzelako (konkhe lokungakagcinsi):

• Emalimboleko Emuntfu Ngamunye: Emalimboleko lasetjentiselwa tidzingo temntfu ngamunye, njengekulungisa tinkinga letiphutfumayo, tindleko temasiko, nobe ebalulekile endlini.
• Kuboleka Imali Ngaphambi Kweholo (Salary-Advance): Lokucatjangwa kutsi yimali lebolekwako ngesikhatsi lesifushane, lenhloso yayo kutsi ikhokhwe uma iholo selingenile.
• Emalimboleko Emabhizinisi Lamancane: Emalimboleko lasitako emabhizinisi lamancane kute acebise timali tawo tekusebenta nobe kute atfole imishini.

Tibalo Tenzalo, Timali Temisebenti, Nemigomo Ye-EswaCredit (Lwati Lolungakagcinsi)

Tibalo tenzalo, timali temisebenti, nemigomo yekuboleka imali ku-EswaCredit alingamenyeselwa emphakatsini. Kepha, singalinganisa ngokuya ngemkhakha jikelele wekubolekisa timali letincane e-Eswatini:

• Tibalo Temalimboleko: Lokucatjangwa kutsi timali letibolekwako tingaba emkhatsini we-E500 kuya ku-E25,000.
• Tibalo Tenzalo: Emkhakheni wekubolekisa timali letincane e-Eswatini, tibalo tenzalo tijwayelekile kuba ngemkhatsini wa-20-35% APR (Annual Percentage Rate). Kubalulekile kukhumbula kutsi leli lizinga lemkhakha jikelele, futsi alikagcinseki ku-EswaCredit uqobo.
• Imigomo Yekuboleka: Lokucatjangwa kutsi imigomo yekubuyisela imali ingaba emkhatsini wetinyanga letintsatfu kuya kutishumi nakubili, lokujwayelekile kulomkhakha.
• Timali Temisebenti: Timali tekuvula ifayela (origination), tekucubungula (processing), nobe tekulibala kukhokha (late payment) atingakamenyeselwa.
• Sitimiselelo: Lokucatjangwa kutsi imalimboleko ingaba ngaphandle kwesitimiselelo (unsecured) nobe kungenzeka kutsi idzinga kusayiniswa kwephepha lekutsi imali izodonswa eholweni (salary assignment).

Indlela Yokufaka Sicelo Kanye Nekusebentisa

Indlela yekufaka sicelo ku-EswaCredit nayo ayikamenyeselwa ngalokuphelele, kepha kutsiwa kungenzeka kutsi isebentisa tindlela tedijithali letinema-app noma nge-USSD.

Tindlela Tekufaka Sicelo Nekukhokha Imali

• Tindlela Tekufaka Sicelo: Lokucatjangwa kutsi umuntfu angasefaka sicelo nge-app yeselula noma nge-USSD. Kutsiwa kungenzeka kutsi kunewebhusayithi (lokungakagcinsi). Alukho luhla lwetikhungo tetfu letinemphandvo letitfolakele.
• Kwenta Kwasemtsetfweni Nekwati Ikhasimende Lakho (KYC): Timfuneko letingukusiko tihlanganisa ikhophi ye-ID, ubufakazi beholo, kanye nenombolo yeselula. Kutsiwa kutsi bangase basebentise tindlela te-e-KYC tekugcinsa imininingwane ngedijithali.
• Indlela Yekuhlola Kufaneleka Kwekuboleka Imali: Lokucatjangwa kutsi basebentisa indlela yekuhlola ngalokusekelwe emlandvweni weholo, ekucishweni kwemali ngeselula (mobile money transactions), kanye nemininingwane yenhlalo.
• Kukhokha Imali Nokuqoqwa Kwayo:
  • Kukhokha Imali: Imali ingaseikhokhwe ngekutsenjiswa ebhange, ngemali yeselula (MTN MobileMoney nobe Eswatini Mobile), nobe ngemali lelandzwa endzaweni letsite.
  • Kuqoqa Imali: Kuqoqwa kwemali kungaba ngekutsi idonswe ebhange (debit order) nobe ngekutsenjiswa ngemali yeselula. Kutsiwa kutsi bangase basebentise tintfombi letiya etindzaweni uma kunenkinga yekungakhokhi.

Luhlelo Lweselula (App) Kanye Nekusebentisa (Lwati Lolungakagcinsi)

Ngenxa yekungabhaliswa kwayo nekwengatfolwa kwayo ezitolo te-app, alukho luhlelo lweselula (app) lwe-EswaCredit lolutfolakele ku-Apple App Store nobe ku-Google Play Store. Loku kusho kutsi imininingwane mayelana netici zalo app kanye nendlela umuntfu alusebentisa ngayo ayikagcinsi. Kepha, kutsiwa kutsi noma ngabe lukhona lolu hlelo, lungenzeka luhlangana netici letilandzelako:

• Kufaka sicelo semalimboleko.
• Kubuka luhla lwekubuyisela imali.
• Kuhlola imali esele.

Alukho luhla lwewebhusayithi lolusebentako nobe tindzawo tekuxhumana emphakatsini letitfolakele mayelana ne-EswaCredit. Loku kuphakamisa imibuto mayelana nekufinyeleleka kwabo kanye nekugcaca kwabo.

Isimo Sokulawulwa Kwemali Kanye Nebukhona Emakethe

Lesi yindzawo lebaluleke kakhulu yekubuka i-EswaCredit. Njengoba sishilo ngenhla, i-EswaCredit ayikabonakali ibhalisiwe nobe inemvumo yekusebenta kuNkhundla Yemali Yase-Eswatini (CBE). Loku kusho kutsi kungenteka kutsi isebenta ngaphansi kwelayisensi lekhulula babolekisi betimali nobe kungenjalo, isekusebenta ngaphandle kwemvumo lephelele. Kusebenta ngaphandle kwemvumo kuyingoti kakhulu kubabolekisi kanye nababoleki.

Kulawulwa Ngumtsetfo Nekuvikelwa Kwemakhasimende

• Isimo Semvumo Yekusebenta: Ayikavaliwa kuluhla lwetikhungo letilawulwa yi-CBE. Kungenteka isebenta ngaphandle kwemvumo nobe ngaphansi kwesitifiketi sekubolekisa imali nje (money lender's exemption), lokuyingoti.
• Kulawulwa Ngumtsetfo: I-CBE ilawula emabhange netikhungo tetimali letibhalisiwe. Alukho luhla lwe-EswaCredit lwetinsita nobe ticondziso temtsetfo letitfolakele emphakatsini.
• Kuvikelwa Kwemakhasimende: Lokungakagcinsi. Akukacaci kutsi i-EswaCredit ihambisana yini neMtsetfo Wetikhungo Tetimali (Financial Institutions Act) nobe neMtsetfo Wekugcaca Kwekuboleka Imali (Truth in Lending disclosure). Loku kusho kutsi umbuleki kungenzeka angavikelwa ngemitsetfo lefanako lelephakamisa tikhungo letibhalisiwe.

Indzawo Emakethe kanye Netitimbangi

Umkhakha wekubolekisa timali e-Eswatini unetikhungo letinyenti letatiwako netibhalisiwe. Leti tihlanganisa: Select Limited, Letshego Eswatini, Eswatini Bank, FNB, kanye neStandard Bank Eswatini. Leti tikhungo tinemvumo yekusebenta futsi tilawulwa yi-CBE, tiniketa kugcaca lokukhulu nekuvikelwa kwemakhasimende.

Kungenxa yekungagaci kwemininingwane, alukho lutfo lolunikelwe emphakatsini mayelana nekwehlukana kwe-EswaCredit kulezi titimbangi. Kungenteka kutsi indzawo yayo emakethe incane kakhulu, ikakhulukati uma ingakabhaliswa.

Tibuyekezo Temakhasimende Nekusebentisa

Alukho luhla lwetibuyekezo temakhasimende lolutfolakele ku-Google Play Store, Apple App Store, Trustpilot, nobe takungcola takuleli. Ngaphandle kwemininingwane yeluhla lwetibuyekezo, alukho lwati mayelana netikhalazo letijwayelekile nobe ngesimo senkonzo yamakhasimende e-EswaCredit. Loku kusho kutsi kubonakala matima kwati kutsi emakhasimende ayijabulela yini inkonzo yabo.

Emaluleko Labalulekile Kulabo Labafuna Kuboleka

Ngenxa yekungabi khona kwemininingwane legcinsekile negcaciwe mayelana ne-EswaCredit, kubalulekile kakhulu kutsi labo labafuna kuboleka imali bacophelele. Nawa emaluleko labalulekile:

• Hlola Imvumo Yekusebenta: Ngaphambi kwekutsi ufune kuboleka imali kunoma ngubani, hlala uthintane ne-Financial Stability Unit yeNkhundla Yemali Yase-Eswatini (CBE) kute ugcinsekise isimo semvumo yekusebenta ye-EswaCredit. Kuboleka imali kusikhungo lesingakabhaliswa kuyingoti kakhulu.
• Funa Kugcaca Kwemininingwane: Cela kubona imininingwane esemtsetfweni mayelana nemikhiqizo yabo yemalimboleko, tibalo tenzalo, timali temisebenti, kanye nemigomo lephelele. Ungaze usayine noma yini ngaphandle kwekutsi uqonde kahle yonkhe imininingwane.
• Cophelela Kakhulu: Ngenxa yekungabi khona kwemininingwane legcinsekile nekuvikelwa ngumtsetfo, labo labafuna kuboleka imali kufanele bacophelele kakhulu. Hlala uqhathanisa i-EswaCredit netikhungo tetimali letisunguliwe, letilawulwa ngumtsetfo letifaka phambili kugcaca nekuvikelwa kwemakhasimende.
• Ungatsintsi Ngemininingwane Yakho Yakho Ngaphandle Kwekugcinseka: Musa unikeze imininingwane yakho yakho nobe yetemali kusikhungo lesingakagcinseki nobe lesingatiwa.

Ekugcineni, kufuna imali e-Eswatini kufanele kwentiwe ngekucophelela. Ngenkhatsi tikhungo tedijithali tiniketa indlela lephephile nelula, kubalulekile kutsi ugcinsekise kutsi usebentelana netikhungo letibhalisiwe netilawulwa ngumtsetfo. Kuphandza ngekucophelela nge-EswaCredit nobe yini lefanako kungakuvikela etingotini temali letinengi.