FastFunds EZ

Indzaba Lenhle Ngebungcwele: fastfunds ez Eswatini

Ngekukhula kwebuchwepheshe betimali e-Eswatini, i-fastfunds ez igcizelele kutsi ngulenye yetinkampani letihamba embili ekunikezeni tinsita tetibolekiso te-digital. Lesikhungo setimali, lesasungulwa ngemnyaka wa-2024, silwela kusita bantfu baseSwatini ngetibolekiso letisheshako netisikhatsi lesifishane, sibuka babasebenti labaholako kanye nebantfu labatitfolela imphilo labatitfolela imphilo ngemabhizinisi lamancane.

Umsuka Nendlela Lekungumlandvo We-fastfunds ez

I-fastfunds ez (Pty) Ltd. ibhaliswe ngekutsi yi-Eswatini Business Registration & Licensing Authority (BRLA) ngeNombolo yekubhalisa 2024/FFEZ. Yasungulwa ngemnyaka wa-2024, lenkampani ibanjwe kakhulu ngumsunguli wayo kanye ne-CEO (60%), i-CTO (20%), kanye nebongingini labasita ngekwebeka imali (10%), bese kutsi lelinye lelishumi (10%) liketinhlelo tekuhlanganyela kwabasebenti.

Umcondvo webhizinisi we-fastfunds ez usekela ekubolekiseni imali nge-digital ngqo kumakhasimende. Lenkampani ititfolela imali ngekuboleka kubatimali labatfolakala lapha ekhaya. Itfombo yayo lekhulu ngilena:

• Babasebenti bemitsetfo labaholako, labatfola imali yabo ngemali yeselula.
• Bantfu labatitfolela imphilo labanebabhizinisi lamancane, labafuna imali yekusita emabhizinisini abo.

Lelicembu lelibusa i-fastfunds ez linabantfu labanesipiliyoni lesikhulu emkhakheni wetimali. Labo bantfu bafaka ekhatsi:

• Nomvula Dlamini (CEO & Umsunguli): Ex-credit manager ebhange.
• Sipho Nkambule (CTO & Umsunguli): Labekaphambili ekuholeni tinkundla temali yeselula.
• Alice Mbili (CFO): Umcwaningi wetimali lochwepheshile.
• Themba Mahlangu (Inhloko Yetimali Nemcondvo Wekubolekisa): Uchwepheshe wetimali webhange.

Indlela Yebhizinisi kanye Netitfombo Temakhasimende

I-fastfunds ez ihlose kunika tinsita letisheshako letisita kakhulu. Ngemigomo lecubunguliwe ngekusebenta kwe-digital, i-fastfunds ez ikhona kunika tibolekiso letisheshako, ngekusebentisa i-app yeselula lekhona kusebenta ngisho noma i-internet ingasheshi kakhulu. Futsi, inebudlelwane netinkampani temali yeselula lapha ekhaya, kwenta kube lula kutfola imali kanye nekuyikhokha.

Tibolekiso Netinsita letiniketwa yi-fastfunds ez

I-fastfunds ez inika tinhlobo letehlukene tetibolekiso letihlangabetana netidingo tebantfu labahlukene e-Eswatini.

Tibolekiso teMali Yemuntfu (Express Personal Loan)

• Inhloso: Leti tibolekiso telusito lolusheshako etindzabeni letiphutfumako, njengekukhokha tibili, nobe letinye tidingo letiphutfumako.
• Timali: Ukhona kuboleka kusuka ku-E200 kuya ku-E3,000.
• Inzalo: Inzalo iba ngu-3.5% kuya ku-5% ngenyanga (lokuyinzalo lephelele yemnyaka lecishe ibe ngu-42% kuya ku-60%).
• Sikhatsi Sekubuyisela: Kusuka kumalanga langu-30 kuya kumalanga langu-90.
• Timali Tekusebenta: Kukhokha imali yekusungula sicelo lengu-5% yalemali lobolekile. Kunemali yekwephuta lengu-E50 ngelilanga nasekwedluliwe sikhatsi sekukhokha.
• Sibambiso: Akukho sibambiso lesifunako.

Tibolekiso Tebhizinisi Lelincane (Micro-Enterprise Working-Capital)

• Inhloso: Leti tibolekiso tetibhizinisi letincane, tingasetjentiswa kubuyela stock, nobe kukhokha tindleko tebhizinisi.
• Timali: Ukhona kuboleka kusuka ku-E500 kuya ku-E10,000.
• Inzalo: Inzalo iba ngu-2.5% kuya ku-4% ngenyanga (lokuyinzalo lephelele yemnyaka lecishe ibe ngu-30% kuya ku-48%).
• Sikhatsi Sekubuyisela: Kusuka etinyangeni letintsatfu kuya kutinyanga letisitfupha.
• Timali Tekusebenta: Imali yekusungula sicelo lengu-4% kanye nemali yekucubungula lengu-1%. Kunemali yekwephuta lengu-E100 nasekwedluliwe sikhatsi sekukhokha.
• Sibambiso: Kungafuneka sibambiso sempahla yebhizinisi nobe imali yeselula yebhizinisi.

Tibolekiso Tebasebenti Bahulumende (Civil-Service Flexi Loan)

• Inhloso: Tibolekiso tebasebenti bahulumende labaholako.
• Timali: Ukhona kuboleka kusuka ku-E1,000 kuya ku-E20,000.
• Inzalo: Inzalo iba ngu-1.8% kuya ku-3% ngenyanga (lokuyinzalo lephelele yemnyaka lecishe ibe ngu-22% kuya ku-36%).
• Sikhatsi Sekubuyisela: Kusuka etinyangeni letisitfupha kuya etinyangeni letilishumi nakubili.
• Timali Tekusebenta: Imali yekusungula sicelo lengu-3%. Akukho mali yekwephuta nasekubuyiselwe emalanga langu-10 ngemuva kwesikhatsi sekugcina.
• Sibambiso: Kufuneka kukhokha imali ngqo emholweni wakho ngekusebentisa umsebenti wakho.

Inzalo, Timali kanye Nemigomo

Kubalulekile kutsi bonkhe labafuna kuboleka bati kahle ngenzalo kanye netimali tekusebenta. I-fastfunds ez igcizelela ekukhombiseni ngalokuphelele inzalo lephelele yemnyaka (APR) kanye netimali tekusebenta ngaphambi kwekutsi ufaka sicelo. Umuntfu loweboleka unelilungelo lekukhokha imali ngaphambi kwesikhatsi ngaphandle kwenhlawulo.

Indlela Yekufaka Sicelo Kanye Nekusebenta Kwe-App

I-fastfunds ez yenta kube lula kakhulu kufaka sicelo nekutfola tibolekiso.

Indlela Yekufaka Sicelo

Ukhona kufaka sicelo ngetindlela letimbalwa:

• I-app Yeselula: Ukhona kulanda i-app ye-fastfunds ez ku-Android noma ku-iOS.
• Iwebhusayithi: Ukhona kufaka sicelo nge-website yabo.
• Ema-kiosks: Kunema-kiosks labhalwe i-fastfunds ez emadolobheni lamakhulu e-Eswatini.

Indlela yekufaka sicelo iyashesha futsi ifaka ekhatsi:

• Kubuka Bungcwele: Kubuka i-ID yakho nge-digital nge-e-ID AP.
• Kuhlanganisa Imali Yeselula: Kuhlanganisa i-akhawunti yakho yemali yeselula.
• Kulayisha Tibili Noma Incwadzi yemsebenti: Ungalayisha tibili letikhombisa lapho uhlala khona, nobe incwadzi evela kumsebenti wakho.

Kubuka Kwekukholwa:

I-fastfunds ez isebentisa indlela yayo yekubala emaphuzu ekukholwa. Lendlela ihlanganisa umlando wemali yeselula, imininingwane ye-e-ID, kanye nekubuta imibuto lemifishane lebukela imikhuba nemcondvo walomuntfu. Tibolekiso letikhulu kunema-E5,000 kubukwa ngesandla.

Kukhokhwa KweMali:

Nasekuvunyelwe sicelo, imali ikhishwa ngokushesha ngetindlela letilandzelako:

• Imali Yeselula: Nge-MTN Mobile Money nobe Eswatini Mobile Money.
• Kuyiswa Ebhange: Ifakwa ngqo ebhange lakho lapha ekhaya.
• Kuyitsatsa Ngesandla: Ukhona kuyitsatsa kumatfomo labatsengisa nabo.

I-App Yeselula Ye-fastfunds ez

I-app ye-fastfunds ez ikhona kumatfomo e-Android (4.2+) kanye ne-iOS (12+). Inezinga lelisetulu lekuvunywa ngumphakatsi, ngetinkhanyeti leti-4.3 ku-Google Play kanye neti-4.5 ku-App Store. I-app inetinsita letibalulekile njenge:

• Kubuka kwekukholwa lokusheshako.
• Kukhona kuboleka kabusha.
• Kubuka luhlelo lwekubuyisela imali.
• Lusito lwe-chat ngaphakathi kwe-app.

I-website yabo nayo ikhona kusebenta kumatfomo ehlukene, futsi i-fastfunds ez iyasebenta naku-social media njenge-Facebook kanye ne-LinkedIn.

I-fastfunds ez isebenta kuto tonkhe tinhlaka letine telive: Hhohho, Manzini, Shiselweni, kanye neLubombo, ngisho noma ingenazo tigatsha. Inema-kiosks emadolobheni lamakhulu njengeMbabane, Manzini, Siteki, Nhlangano, kanye nasePigg's Peak.

I-fastfunds ez inebantfu lababoleka imali labacishe babe ngu-15,000. Kuwo, 55% ngilabaholako, bese kutsi 45% ngabenetibhizinisi letincane labatitfolela imphilo. Bantfu labaningi lababoleka bane iminyaka lecishe ibe ngu-32.

Sibophelo Semtsetfo, Emakhasimende Kanye Nebudlelwane Bemakethe

Sibophelo Semtsetfo Kanye Nemalayisense

I-fastfunds ez inelayisense levela eLibhangeni Lelikhulu Lase-Eswatini njengesikhungo setibolekiso letincane (licence #CBES-MCI-2024-07). Lenkampani ingaphansi kwemigomo ye-Eswatini Microfinance Regulations yanga-2023. Kuze kube manje, akukho kukhishwa kwetijeziso nobe tinyatselo temtsetfo letibekwe kuyo.

Ukuvikela Umthengi:

I-fastfunds ez igcizelela ekukhombiseni kahle inzalo lephelele yemnyaka kanye netimali tekusebenta ngaphambi kwekutsi umuntfu afake sicelo. Umuntfu loweboleka unelilungelo lekukhokha ngaphambi kwesikhatsi ngaphandle kwenhlawulo. Kunemsebenti lotibophelele ekulandzeleni imithetho, futsi kuba khona umcwaningimabhuku wetimali wangaphandle ngemnyaka.

Kubuka Kwemakhasende kanye Nesikhundla Emakethe

Kubuka kwemakhasimende ku-Google Play kukhombisa kutsi i-fastfunds ez inika tinsita letisheshako tekucela imali nekuyikhokha. Noma kunjalo, kunetililo mayelana nenzalo lelisetulu kanye netimali tekwephuta, kanye nekwephana kwe-app ngetikhatsi letitsite.

Tinsita Tekusita Makhasimende:

I-fastfunds ez inelusito lwe-chat ngaphakathi kwe-app kanye nelusito lwe-USSD lolusebenta 24/7. Sikhatsi sekuphendvula kwekucala sicishe sibe yimithetho lemibili.

Indzaba yeBantfu Labasitwa:

Tukwini, umtsengisi waseManzini, wasebentisa imali lengu-E2,000 lebeyibolekiwe ku-fastfunds ez kusita kukhulisa stock yakhe, lokwenta kutsi kuthengisa kwakhe kwelilanga kukhule nge-30%.

Kuncintisana Nalabanye Eswatini

I-fastfunds ez icintisana natinkampani letifana ne-Select Limited, i-Eswatini Development Finance Corporation (SDFC), kanye netigatsha tetibolekiso letincane temabhange endzabuko. I-fastfunds ez ihlukile ngetindlela letilandzelako:

• Indlela yekufaka sicelo ngokushesha nge-digital.
• Indlela yayo yekubuka kwekukholwa lehlanganisa imikhuba nemcondvo.
• Kushesha kwayo kukhokha imali.

I-fastfunds ez icishe ibe ne-8% yesabelo semakethe yetibolekiso letincane ngekwemali lebolekiwe. Ikukhule ngelihlombe lelisetulu, ngetibolekiso letikhishiwe letikhule nge-120% ngemnyaka wa-2025 nakucatsaniswa na-2024.

Buhlobo Netinkampani Letibalulekile:

• MTN Eswatini: Kuhlanganisa tinsita temali yeselula.
• Standard Bank Eswatini: Lusito lwemali.
• Swazi National Provident Fund: Lusito lwetibolekiso temiholo.

Ticondziso Letiwusito Kubantfu Labafuna Kuboleka

Ngekusuka ekubeni nguchwepheshe wetimali, ngincoma kutsi labafuna kuboleka imali ku-fastfunds ez bacabange ngeticondziso letilandzelako:

1. Cabanga Ngemagugu Akho: Ngaphambi kwekutsi uboleke, cabanga kutsi ukhona yini kuyikhokha lendleko ngaphandle kwekutsi ikulimete. Tibolekiso letincane tiyasita, kodvwa kufanele tisetsentiswe ngalokucophelela.
2. Funda Imigomo: Fundza kahle yonkhe imigomo nemibandzela, kuhlanganisa inzalo, timali tekusebenta, kanye netinhlawulo tekwephuta. Yati kahle inzalo lephelele yemnyaka (APR).
3. Hlola Tincintisana: Noma i-fastfunds ez inika tinsita letisheshako, kuhle kutsi ubuke letinye tinkampani letincintisana nayo. Citsa sikhatsi ubuke kutsi ngabe kukhona yini lenika inzalo nobe imigomo lemisha.
4. Sebentisa Ngemtfwalo: Tibolekiso tetimali letisheshako tiyasita etindzabeni letiphutfumako, kodvwa akufanele tisetsentiswe njengendlela yekukhokha tindleko telusuku. Boleka kuphela lemali loyidzingako futsi yiba neluhlelo lolucacile lwekubuyisela.
5. Sebentisa I-App Ngendlela Lekahle: Sebentisa tinsita te-app ye-fastfunds ez, njengekubuka luhlelo lwekubuyisela kanye nelusito lwe-chat, kucedza noma imiphi imibuto longaba nayo.

I-fastfunds ez yintfo lebalulekile emkhakheni wetibolekiso te-digital e-Eswatini. Inika tinsita letisheshako letisita kakhulu bantfu labaningi. Ngicondzisa bonkhe labafuna kuboleka kutsi bakwati kahle imigomo netibopho letihambisana nekuboleka, futsi baboleke ngemtfwalo.