Ngenkhatsi yetetimali lekhula ngesivinini e-Eswatini, i-Imbita Swaziland Womens Finance Trust (ISWFT) ikhombisa kutibophezela lokukhulu ekusiteni bosikati. Yasungulwa nga-1991, i-Imbita ihlale iyinhloko ekuhlinzekeni tinsita tetimali kulabo labangakwati kufinyelela emabhange avamile. Njengomhlahlandlela wetetimali, lesihloko sikunika kubuyekezwa kwephelele nge-ISWFT, sichaza imikhiqizo yayo, indlela yekusebenta, kanye nekuma kwayo emakethe.
Sibukiso Senkampani Nesizinda Sayo e-Eswatini
I-Imbita Swaziland Womens Finance Trust (ISWFT) yinhlangano lebeyisebenta iminyaka lengaphezu kwemashumi lamatsatfu e-Eswatini. Yasungulwa ngenhloso lekhanyako: kuphakamisa sikhundla setenhlalo netetimali sabosikati ngekubahlinzeka ngetinsita tetimali letifanele kanye nekusekelwa kwechwepheshe. I-Imbita ibhaliswe ngaphansi kweSigaba 21 seMtsetfo Wetinkampani njengenhlangano lengenzi inzuzo. Lesakhiwo siyenta ikwazi kugcila ekusiteni emalunga ayo kunekuphishekela inzuzo.
I-ISWFT isebenta ngaphansi kwesakhiwo se-trust lesingetulu kwemalunga ayo, labosikati labashushumbisa ngetimali letincane. Le-trust ibukelwa yiBhodi Yabatfoli Betincwadzi labanikela ngesikhatsi sabo, bavela emphakatsini waseSwatini kanye nebuholi bebhizinisi. Loku kuqinisekisa kutsi inhlangano ihlale igcile etidzingweni temalunga ayo. Lomphatsi Lomkhulu wamanje nguNkhosikati Sbongile Mthembu Shongwe, lowacashwa nga-2022, lelicala lakhe lelikhulu kuba kuhlola nekucitwa kwetinsita tetimali tetidijithali.
Lelicembu labosikati labashushumbisa ngetimali letincane e-Eswatini yonkhe, ikakhulu labo labatfolakala etindzaweni tasemakhaya, ligcile kulelihlandla. I-Imbita ihlinzeka ngemikhiqizo yekonga, timaliboleko letincane letingadzingi kakhulu sibambiso, tinhlelo tekutsetseka, kanye nemshwalense wemngcwabo, ngaleyo ndlela yenta umsebenti webhange ufikeleleke kulabo labebangakwati kutfola tinsita letifanako emabhange avamile.
Imikhiqizo Netinsita Tetimali ta-Imbita
I-Imbita iniketa imikhiqizo lehlukene leklanyelwe kokubili emakhasimende angamunye kanye nemacembu. Nali libukiso lemininingwane ngemikhiqizo yabo, emalenta, kanye nemigomo:
Imali Yabantu (Personal Loan)
- Sibalo Semali: Kusuka ku-SZL 1,000 kuya ku-SZL 50,000.
- Imali Yenzalo: Kulinganiselwa kusuka ku-18% kuya ku-24% ngemnyaka.
- Inkhatsi Nekukhokha: Tinyanga leti-6 kuya ku-24, kukhokhwa nyangazonke.
- Imali Lekhokhwako Nesibambiso: Imali yekusungula (origination fee) ingu-1%; imali yekulibala ingu-SZL 50. Kufuna kuqinisekisa kwelicembu.
Imali Yebhizinisi (Business Loan)
- Sibalo Semali: Kusuka ku-SZL 5,000 kuya ku-SZL 100,000.
- Imali Yenzalo: Kulinganiselwa kusuka ku-15% kuya ku-22% ngemnyaka.
- Inkhatsi Nekukhokha: Tinyanga leti-12 kuya ku-36, kukhokhwa nyangazonke nobe kotata.
- Imali Lekhokhwako Nesibambiso: Imali yekucubungula (processing fee) ingu-0.5%. Sibambiso siyakhokhela.
Imali Yesimo Esiphuthumayo (Emergency Loan)
- Sibalo Semali: Kusuka ku-SZL 500 kuya ku-SZL 10,000.
- Imali Yenzalo: Kulinganiselwa kusuka ku-20% kuya ku-28% ngemnyaka.
- Inkhatsi Nekukhokha: Tinyanga leti-3 kuya ku-12, kukhokhwa masontfo onkhe.
- Imali Lekhokhwako Nesibambiso: Akukho sibambiso. Kukhona kutsetseka lokuyimphoqo lokufuneka.
Umshuwalense Wemngcwabo (Funeral Cover)
- Loku akusiyo imali lebolekwako, kodvwa yinsita yemshwalense lapho kukhokhwa imali yomshuwalense ngemnyaka. Kukhokhwa imali lemangcwebo ngesikhatsi selilunga lifa.
Imali Yekuthenga kwaDisemba (December Grocery Loan)
- Sibalo Semali: Kusuka ku-SZL 500 kuya ku-SZL 5,000.
- Inkhatsi Nekukhokha: Kukhokhwa kanyekanye ngaDisemba. Sibalo sekubolekwa siyavumelana nesibalo semali yekonga.
Tinhlelo Tekonga (Investment Scheme)
- Sibalo Semali: Kusuka ku-SZL 1,000 kuya phezulu.
- Imali Yenzalo: Kulinganiselwa kusuka ku-5% kuya ku-8% ngemnyaka.
- Inkhatsi Nekukhokha: Kuyavumelana, kukhokhwa kotata.
Kubalulekile kuphawula kutsi emalenta nemigomo letsite akukho ngaphandle kwemibhalo lebonakalako. Lamalenta lacashunwe lapha kulinganiselwe ngokuya ngemibiko yemalunga kanye netindinganiso temboni.
Indlela Yekufaka Sicelo Netinsita Tedijithali
I-Imbita ikwente kwaba lula kufinyelela tinsita tetimali ngemakhana ahlukene, igcila ekufinyeleleni lokubanti kanye nekuhlanganiswa kwedijithali.
Indlela Yekufaka Sicelo Netifuneko
Kufaka sicelo semali e-Imbita, boboleki labangahle babe khona bangasebentisa inkhatsana ye-Heleza USSD (*9108#) nobe bafake sicelo emagatsheni abo lasihlanu asatsele kulo lonkhe le-Eswatini. Umfuneko loyimpoqo kulilunga leLicembu Lekutisita (Self-Help Group) lelinemalunga la-10 kuya ku-25. Leti ticembu tibalulekile njengoba tentiwa tisombululo tekuchuba letincane, ikakhulu timali letincane kuna-SZL 10,000.
Kuze kube lilunga, kufuneka kube khona kuphotswa kwe-KYC (Know Your Customer) lokufaka phakatsi kuphatsa bufakazi betitfunti (ID verification), bufakazi bendawo yokuhlala, kanye nekufaka imali yekonga yekucala. I-Imbita yenta kuhlola kwekhredithi lokucaphelako lokufaka phakatsi kuhlola kwekhwalithi (kubakhona emihlanganweni yelicembu, umlando wekonga) kanye nekuhlola kwesibalo (kutsetseka kwemali yekonga, tindinganiso tetikwelede letikhona). Kukhona nekuhanjelwa ngabasebenti bendzaweni kuze kuphotswe kuqinisekiswa kanye nekufundziswa ngetetimali.
Tinsita Te-USSD Nekusebentisa Kwe-Digital
Inkhatsana ye-Heleza USSD (*9108#) iyinsika yetinsita tetidijithali ta-Imbita. Ivumela emalunga kufinyelela ngesikhatsi lesisheshako kumali yekonga, timaliboleko, tinsita temngcwabo, kanye netitatimende letincane kusuka kuma-feature phones. Loku kwenta tinsita tetimali tifikeleleke ngisho nasetindzaweni letinekhono leliphasi le-internet nobe lapho ama-smartphones angatfolakali khona kalula.
Namanje, i-Imbita ayinayo i-app yesi-iOS nobe yesi-Android, kodvwa ihlangana nemalunga ngemakhasi ayo e-Facebook ne-Instagram. Imali ibulawa ngekusebentisa i-MTN Mobile Money (ngekuhlangana ne-MTN Foundation), kutsetseka kwemabhange lamakhulu aseSwatini, nobe kubulawa ngemali emagatsheni abo. Kukhokhwa kwemali kanye nekubuyiselwa kwetimali kwentiwa masontfo onkhe nobe nyangazonke, kuxhumene nemali yekonga, ngekusebentisa i-USSD nobe emihlanganweni yemacembu yasendzaweni. Imali yekulibala ingu-SZL 50 kanye nemali yenzalo leyengeziwe iyakhokhwa etikweledeni letilibalekile, futsi kuyasetshenziswa kuphocelela kwesibopho selicembu.
Indlela Yekulawula Nelayisense
I-Imbita Swaziland Womens Finance Trust inikwe ilayisense njengesikhungo sekonga netikwelede ngaphansi kweMnyango Wetetimali wase-Eswatini kanye ne-Directorate Yetikhungo Tetimali Etingasiyo Yebhange le-Central Bank. Loku kuqinisekisa kutsi isebenta ngaphansi kwemitsetfo lebekiwe yase-Eswatini.
I-Imbita yenta kuhlola kweminyaka yonkhe ngelifemu lekuhlola lelinelayisense laseSwatini. Ilandzela imigomo ye-KYC/AML (Know Your Customer/Anti-Money Laundering) ehambisana nemigomo ye-Financial Intelligence Unit, futsi ilandzela imitsetfo yekubolekisa imali kubathengi. Kuze kube manje, akukho kubikwa kwetigwegwe nobe tinhlawulo letentiwe kuyo, lokukhombisa kutsi ilawula kahle. Ngaphezu kwaloko, i-Imbita yenta kuboniswa okucacile kwemalenta ngemihlanganiso yemacembu ekutisita, futsi inendlela yekulungisa tikhalo ngemasebenti emagatsheni kanye netafula letikhalo telive.
Kubeka Kwemakethe Nemeluleko Yaboboleki
I-Imbita inesikhundla lesibonakalako emakethe yetikhungo letincane tetimali e-Eswatini. Ingumunye wetikhungo letisihlanu letinkhulu kulelicembu ngesibalo sababoleki labasebentako. Ihlukile kubancintisani bayo labanjenge-First National Bank (labo abagcile kuma-micro-enterprise), i-SwaziBank (labo abanemali yabosikati), kanye ne-Nekhanini MFI, ngekugcila kwayo lokukhetsekile emacembeni abosikati kanye nekusekelwa ngemfundziso yechwepheshe.
I-Imbita igcile ekutseni licembu lisekelane futsi liqinisekise, lehlisa tinkinga tesibambiso kuboboleki. Kubuyekezwa kwemakhasimende kukhombisa kutsi banelisekile ngekufinyeleleka kwetinsita kanye nekusekelwa ngemacembu. Kulinganiselwa kwe-USSD kungu-4.2/5, lokukhombisa kutsi kulula kuyisebentisa. Tikhalo letivamile tifaka phakatsi kunonotsa kwenethiwekhi lokungahle kube khona lokutsite lokutsite lokutsetseka kwe-USSD kanye nekunonotsa lokuncane ekuphenduleni kwebasebenti bendzaweni.
Imeluleko Yaboboleki Betimali Labangahle Bake Babengakho
Njengemhlahlandlela wetetimali, nansi imeluleko lebalulekile kulabo labacabanga kuboleka imali ku-Imbita:
- Cwaninga Ngokuphelele: Ngaphambi kwekuboleka, tfola yonkhe imininingwane ngemikhiqizo lehlukene lekhona, emalenta, kanye nemigomo. Cela kuboniswa kwemibhalo lebhaliwe yemali yenzalo kanye nemigomo.
- Cacisa Ngemalenta Ekugcina: Ngenkhatsi emalenta asho kulinganiselwa, kubalulekile kucacisa ngelenta lelikufanele njengomunye ngaphambi kwekusayina sikontulaka semali.
- Yiba Lilunga Lelitsembekile: Njengoba i-Imbita igcile ekubambisaneni kwelicembu, kubalulekile kutsetseka elicembu lekutisita lelitsemba futsi ubakhona emihlanganweni, njengoba umlando wakho welicembu ubalulekile ekuhlolweni kwekhredithi.
- Yiba Nelungiselelo Lekukhokha: Qinisekisa kutsi unelisu lelicacile lekukhokha imali ngetikhatsi letibekiwe kuze ugweme imali yekulibala kanye nekuhlukubeteka ekulawuleni kwetimali.
- Sebentisa Inkhatsana Ye-Heleza USSD: Yenta usebentise ngokugcwele inkhatsana ye-Heleza USSD kuze ufinyelele ku-balance yakho, ufake sicelo, nobe ukhokhe imali ngesikhatsi lesisheshako. Yenta wati ngekukhona kwekunonotsa kwenethiwekhi ngekuhlela kuphatsa kwakho kwetimali kusengaphambili.
Siphetfo
I-Imbita Swaziland Womens Finance Trust yinhlangano lebalulekile ekubumbeni indzawo yetetimali yase-Eswatini, ikakhulu kubosikati. Ngekulwela kwayo ekuniketeni tinsita tetimali letifikeleleka futsi letifanele, i-Imbita igcine yaphakamisa titsa tekuhweba letincane letiningi. Kubalulekile kuboboleki labangahle babe khona kutsi batfole loluphelele lwati ngetinsita zabo, bachaze imigomo, futsi basebentise ngendlela lehlakaniphile emakhana abo edijithali kuze batfole inzuzo lephelele kulokuniketwa yi-Imbita.
