LendMeSwazi

Isingeniso se-LendMeSwazi e-Eswatini

Kule minyaka edlule, imboni yezimali yedijithali ikhule kakhulu, kanti i-Eswatini nayo ayishiywanga ngemuva. I-LendMeSwazi ingenye yalezo zinkampani ezisacathula kulo mkhakha, ihlose ukwenza imali ebolekiwe ifinyeleleke kalula kubantu baseSwatini ngokusebenzisa ubuchwepheshe.

Njengomhlaziyi wezezimali, kubalulekile ukuba sihlolisise imisebenzi ye-LendMeSwazi, imikhiqizo yayo, kanye nendawo yayo emakethe. Kufanele siqaphele ukuthi iningi lolwazi olumayelana ne-LendMeSwazi alukafakazelwa esidlangalaleni, ngakho-ke ababoleki abangaba khona kufanele baqinisekise yonke imininingwane ngaphambi kokwenza izinqumo.

Umlando kanye Nesakhiwo Senkampani

I-LendMeSwazi ibonakala njengenkampani esacathula, elwazi oluncane olukhona esidlangalaleni ngosuku lokusungulwa kwayo noma ngesakhiwo sobunikazi (akukho kufakazelwa). Idume ngokuba yipulatifomu yokuqala yedijithali ekubolekeni imali encane (micro-lending), inikeza imali ebolekiwe yesikhashana kubathengi kanye namabhizinisi amancane kulo lonke elase-Eswatini. Imakethe yayo eqondiwe ihlanganisa abantu abaqashiwe, abadayisi abangahlelekile, kanye namabhizinisi amancane nakakhulu kuzo zonke izifunda ezine zase-Eswatini: iHhohho, iLubombo, iManzini, neShiselweni.

Imikhiqizo Yemalimboleko kanye Nezinsizakalo ezinikezwa yi-LendMeSwazi

I-LendMeSwazi inikeza izinhlobo ezahlukene zemikhiqizo yemalimboleko ukuze ihlangabezane nezidingo ezahlukene zabantu abahlukene e-Eswatini:

• Imalimboleko Yomuntu Siqu: Lezi zenzelwe izidingo zomuntu siqu, njengezindleko zasendlini ezingalindelekile noma ukuthenga izinto ezithile.
• Imalimboleko Yebhizinisi (Elincane Kakhulu): Lezi zihloselwe ukweseka osomabhizinisi abancane nabaqala amabhizinisi, mhlawumbe ukuze bathenge impahla noma banwebe imisebenzi yabo.
• Imalimboleko Yesimo Esiphuthumayo/Imali Esheshayo: Zenzelwe izikhathi lapho kudingeka imali ngokushesha, njengesib. izimo eziphuthumayo zezokwelapha.

Amanani Emalimboleko, Izinkokhelo, kanye Nemigomo

Amanani emalimboleko anikezwa yi-LendMeSwazi aqala ku-SZL 500 kuya ku-SZL 30,000 (akukho kufakazelwa). Lokhu kubeka i-LendMeSwazi endaweni ekwazi ukunikeza izixazululo zezimali ezincane nezikhulu kancane kubantu basekhaya.

Mayelana namanani enzalo, i-LendMeSwazi kuthiwa inamanani enzalo asukela ku-2.5% kuya ku-5.0% ngenyanga, okulingana ne-APR (Annual Percentage Rate) ephakathi kuka-30% no-60% (akukho kufakazelwa). Kubaluleke kakhulu ukuba ababoleki baqonde kahle ukuthi amanani enzalo abalwa kanjani, ngoba i-APR ephezulu ingakwenza imali ebolekiwe ibize kakhulu ngokuhamba kwesikhathi. Imigomo yokukhokha isukela ezinsukwini ezingama-30 kuya kweziyi-180, futhi ukukhokha kungenziwa masonto onke noma ngenyanga, ngokusebenzisa imali yeselula noma ukudluliselwa ebhange.

Kunezinkokhelo ezahlukene okungenzeka zihambisane nemalimboleko (akukho kufakazelwa):

• Imali Yokuqala (Origination Fee): Kungaba u-5% wemali ebolekiwe.
• Imali Yokucubungula (Processing Fee): Ngokulingana i-SZL 50 ngesicelo ngasinye.
• Imali Yokufika Sekwedlule Isikhathi (Late Payment Fee): I-SZL 20 ngokukhokha okungenziwanga ngesikhathi.

Iningi lemalimboleko yomuntu siqu neyesimo esiphuthumayo ayidingi sibambiso. Kodwa-ke, imali ebolekiwe yebhizinisi ingadinga isiqinisekiso seqembu noma ukubambisa ngempahla eshukumayo (akukho kufakazelwa).

Inqubo Yokufaka Isicelo kanye Nezidingo

I-LendMeSwazi ibeka phambili ukufinyelela kwedijithali. Iziteshi zokufaka isicelo zihlanganisa uhlelo lokusebenza lweselula (i-Android kuphela; akukho uhlelo lwe-iOS olwaziwayo) kanye nebhodi lewebhu (akukho webhusayithi efinyeleleka esidlangalaleni). Kukhona futhi izindawo zabameleli abalingani eMbabane naseManzini, kodwa lokhu akukho kufakazelwa.

Ukuze ufake isicelo, uzodinga ukuhlangabezana nalezi zidingo ze-KYC (Know Your Customer) nokubhalisa:

• Ukulayisha umazisi wedijithali (isithombe sekhadi likazwelonke).
• Ukuqinisekiswa kwesithombe ozishuthe sona.
• Ubufakazi beholo (amaphepha okuhola noma umlando wokwenziwe wemali yeselula).

I-LendMeSwazi kuthiwa isebenzisa i-algorithm yayo yokuhlola isikweletu, esebenzisa idatha yokwenziwe ngemali yeselula, izinkomba ezincwadini zocingo, kanye neminye idatha ehlukile (akukho kufakazelwa). Uma isicelo sakho sigunyazwa, imali ingakhishwa ngezindlela ezahlukene:

• I-MTN Mobile Money (i-Swazi MTN).
• Ukudluliselwa ebhange (i-Eswatini Bank, i-Standard Bank Eswatini).
• Ukuthathwa kwemali ezindaweni zabameleli.

Izici Zohlelo Lokusebenza Lweselula kanye Nolwazi Lomsebenzisi

Uhlelo lokusebenza lwe-LendMeSwazi lutholakala kuphela ku-Android (akukho ukutholakala okuqinisekisiwe ku-Google Play). Izici ezikhonjisiwe zohlelo lokusebenza zifaka:

• Ukunikeza izilinganiso zemalimboleko ngokushesha.
• Ukulayisha amadokhumenti e-KYC.
• Ukukhokha ngaphakathi kohlelo lokusebenza.
• Amabhonasi okudlulisela (referral bonuses).

Nokho, akukho zilinganiso zohlelo lokusebenza ezitholakale ezitolo zohlelo lokusebenza (akukho kufakazelwa), okwenza kube nzima ukuhlola ulwazi lomsebenzisi olujwayelekile ngale ndlela. Ukungazinzisi kohlelo lokusebenza kanye nokuba khona kwemali yokufika sekwedlule isikhathi esingacacile kuye kwabikwa njengezikhalazo ezivamile (akukho kufakazelwa).

Isimo Sezokulawula kanye Nendawo Yemakethe

Kuthiwa i-LendMeSwazi ilawulwa yi-Central Bank of Eswatini (CBE) ngaphansi koMthetho Wezemalimboleko Yezimali Ezincane (Microfinance and Lending Act) (akukho kufakazelwa). Kodwa-ke, akukho irekhodi esidlangalaleni looma layisense noma inombolo yokubhalisa. Lokhu kubalulekile ukuba ababoleki bakucabangele futhi mhlawumbe baqinisekise ngqo ne-CBE.

Ezingxoxweni zokuvikela abathengi, inkampani ithi ibonisa ngokusobala izinkokhelo zayo futhi inikeza usizo lwamakhasimende amahora angama-24/7 (akukho kufakazelwa). Iphinde ithi ivikela idatha ngokuya ngoMthetho Wokuvikelwa Kwedatha wase-Eswatini (akukho kufakazelwa).

Abaqhudelana kanye Nesikhundla Semakethe

Emakethe yase-Eswatini, i-LendMeSwazi iqhudelana nezinkampani ezimisiwe ezifana ne-Letshego Eswatini, i-FINCORP, kanye ne-Eswatini Development Finance Corporation (SEDCO). Umehluko wayo omkhulu ubonakala ngokugxila kwayo ngokugcwele kwedijithali, ukugunyazwa okusheshayo, kanye nosayizi abancane bemalimboleko.

Kukhona imibiko yezingxoxo zokubambisana ne-MTN Eswatini ukuze kuhlanganiswe imali yeselula (akukho kufakazelwa) kanye nezinhlelo zokunweba ukufaka izindawo zabameleli emadolobheni amancane (akukho kufakazelwa). Lokhu kungakwazi ukukhulisa ukufinyelela kwayo.

Iseluleko Esisebenzayo Kubaboleki Abangaba Khona

Ngenxa yokuthi iningi lolwazi olumayelana ne-LendMeSwazi alukafakazelwa esidlangalaleni, kubaluleke kakhulu ukuba ababoleki abangaba khona basebenzise ukuqapha okukhulu. Nasi iseluleko esiwusizo:

• Qinisekisa Imininingwane: Ngaphambi kokufaka isicelo, xhumana ngqo ne-LendMeSwazi futhi mhlawumbe ne-Central Bank of Eswatini ukuze uqinisekise ukubhaliswa kwayo, amanani enzalo, kanye nezinkokhelo.
• Funda Imigomo Nezimo: Funda ngokucophelela yonke imigomo nemibandela, ikakhulukazi mayelana namanani enzalo, izinkokhelo zokufika sekwedlule isikhathi, kanye neshejuli yokukhokha. Qinisekisa ukuthi uqonda i-APR yangempela.
• Hlola Ukubuyekezwa Kwamakhasimende: Nakuba kungekho ukubuyekezwa okuningi okutholakala esidlangalaleni, zama ukukhuluma nabantu abaye basebenzisa izinsizakalo zabo. Imibiko ye-anecdotal ibonisa ukukhishwa okusheshayo kodwa amanani enzalo aphezulu.
• Qonda Izinkokhelo Ezifihliwe: Buza mayelana nanoma yiziphi izinkokhelo ezingeziwe noma izinkokhelo ezingafihliwe ezingase zitholakale.
• Yazi Amandla Akho Okukhokha: Qiniseka ukuthi uyakwazi ukukhokha imali ebolekiwe ngesikhathi ukuze ugweme izinkokhelo zokufika sekwedlule isikhathi kanye nomonakalo esikweletini sakho.
• Sebenzisa Uhlelo Lokusebenza Ngokucophelela: Uma usebenzisa uhlelo lokusebenza lweselula, qaphela noma yiziphi izinkinga zokungazinzisi noma izinkinga zokusebenza.

I-LendMeSwazi inikeza inketho yedijithali yabantu abadinga ukufinyelela imali ebolekiwe ngokushesha. Kodwa-ke, njengakunoma iyiphi insizakalo yezezimali, kubaluleke kakhulu ukuthi ababoleki benze ucwaningo lwabo olunzulu futhi baqonde ngokugcwele konke okushiwo ngaphambi kokuzibophezela.