Letshego Eswatini

Umumo weNkampani yeLetshego Eswatini

Letshego Financial Services Swaziland (Pty) Ltd, leyatiwa ngekutsi yiLetshego Eswatini, yinhlangano yemasiko yase-Afrika, letsanywe yiLetshego Holdings Limited lehlanganiswe eBotswana. Le nkampani yasungulwa ngaBhimbidvwane 2006, futsi yatichibela yaba yincenye lebalulekile emkhakheni wetinsita tetimali e-Eswatini. Ibhaliswe ngeNombolo Yenkampani CP/20/2015 neLitiko Lelawula Tetimali (FSRA) lase-Eswatini, futsi inemahhovisi layo eMbabane, eManzini naseNhlangano, lapho ichubeka khona nekuhlinzeka ngemasevisi kubantfu base-Eswatini.

Kuphindze kubaluleke kutsi Letshego Eswatini ivela kubambisana nebhodhi lebaphatsi lecinile, lehlanganisa bachwepheshe labanenhlonipho emkhakheni webhange, wethekhinoloji yetimali (fintech), kanye nasekulawulweni kwetimali. Loku kuhambisana netidzingo teLibhanga Lelikhulu lase-Eswatini (CBE) kute itfole luphatfo lwayo lwesikhashana lwebhange ledijithali.

Baphatsi Labakhulu:

• Ndvunankhulu: Mongi Dlamini (kusukela nga-2019)
• Nhloko Yetentengiso Nekumaketha (Lobambe Sikhundla): Temavulane Motsa (kusukela nga-2022)

Ngesikhatsi isungulwa, Letshego Eswatini yagcina igcile ekubolekiseni imali ngaphandle kwetibambiso kubasebenti labacashwe ngesemtsetfweni kuhulumende kanye nasetinkampanini tembuso. Ngekuhamba kwesikhatsi, lenkampani yandzisa umumo wayo webhizinisi kute ifake:

• Bantfu labacashwe ngemholo lophakathi nalophansi.
• Baphatsi bemaMicro- ne-Small-Enterprise (MSE) ngekusebentisa i-Purchase Order Finance.
• Lababoleka imali emkhakheni longakafaneli ngekubambisana ne-MTN Eswatini ngema-Mobile Money Loans.

Emasevisi Wetimali Laniketwako ngabakwaLetshego Eswatini

Letshego Eswatini iniketa imikhiqizo yemaliboleko lehlukahlukene leyakhelwe tidzingo letehlukene tebaboleki.

Imikhiqizo Yemaliboleko

• Imaliboleko Yemuntfu Ngamunye: Leti timangweletsane temali letifaka bantfu ngabanye labanetidzingo letehlukene, kusukela ekufundvweni kwezingane kuya ekuhleleni imicimbi. Tingemali letibolekiswa ngaphandle kwetibambiso letinkhulu.
• Imaliboleko Yebhizinisi (Purchase Order Finance): Loku kugcile kuma-micro- kanye nama-small-business. Imali ibolekiswa ngetitifiketi tema-oda ekuthenga, ikusita osomabhizinisi kutsi bakhone kufeza ema-oda abo. Lemali ingafika ku-USD 10,000.
• Imaliboleko Yekuhlanganisa kanye Ne-Top-up: Iniketwa kubasebenti bahulumende kanye nalabetsatfu labacashwe kwebabambisene nabo. Leti tivumeleka kuze kufike ku-E 500,000, tisita ekuhlanganiseni tikweleti letiningi tingaba sinye nobe kwekhwelelisela imali ngaphezu kwaleyo lebolekiwe kucala.
• Imaliboleko Yetiselula (Mobile Money Loans): Leti timangweletsane temali letincane letitfolakala nge-MTN Mobile Money. Tifaka lababoleka imali emkhakheni longakafaneli labangatfola tinsita tetimali kalula ngeselula.

Inzalo, Tinkokhelo kanye Nemibandzela

• Inzalo Yonyaka (APR): Lokukhulu kwe-APR kuphakathi kwa-5.25% kuya ku-24%, kuya ngemkhiqizo weboboleko kanye nengozi yekuboleka. Ngesikhatsi sekuhlanganisa nobe kwekhwelelisela imali, kunetinsitakalo tetinsita letincane tenzalo.
• Tinkokhelo: Kunetinkokhelo tekucala nobe tekuhlunga leticondzene nemkhiqizo weboboleko. Tinkokhelo tekwephuta kubhadala tiyakhona, futsi tihlanganisa emali letincane kanye nemaphesenti.
• Sikhatsi Sekubhadala: Sikhatsi sekubhadala singaba ngu-3 kuya ku-84 tinyanga, kuya ngeluhlobo lweboboleko. Kuma-Purchase Order Finance, sikhatsi sekubhadala sihleleka ngekwetinyanga leti-30 kuya leti-90, kuya nangesikhatsi sekufezeka kwe-oda.
• Tibambiso: Imaliboleko yeLetshego iningi layo iyimaliboleko lengenatibambiso. Kuma-micro-business loans, kudzingeka ubufakazi be-purchase order kunekutsi kube netibambiso letijwayelekile.

Imisebenti Nethekhinoloji

Letshego Eswatini isebentisa tindlela letehlukene tekufaka sicelo, letingumshado wetindlela tedijithali netesintfu, kute itfole bonkhe baboleki bayo.

Indlela Yekufaka Sicelo kanye Netidzingo

Labangaboleka imali bangafaka sicelo ngale tindlela:

• Uhlelo Lweselula (LetsGo App): Lolu hlelo luyatfolakala ku-iOS naku-Android, futsi luniketa indlela yekufaka sicelo sedijithali kanye netibaluli temali.
• Iwebhusayithi: Iwebhusayithi le-letsgo.letshego.com iniketa indawo yedijithali kanye netindzawo tekufaka sicelo semaliboleko.
• Emahhovisi: Tinkhundla temahhovisi aseMbabane, eManzini naseNhlangano tiyavula nasetindzaweni letinye esifundzeni kute kubolekwe imali ngetitifiketi.

Tidzingo Tekufaka Sicelo (KYC - Kwati Ikhasimende Lakho):

• Umtamo wekutikhombisa (ID nobe pasipoti).
• Ubufakazi bemholo.
• Ubufakazi bendawo yokuhlala.
• Bank statements.
• Tinkontileka temsebenti.

Uhlelo lwe-LetsGo luphindze luhlanganise ne-digital ID kute kuqinisekiswe indlela lephephile nelula yekubhalisa.

Uhlelo Lweselula lwe-LetsGo

Lolu hlelo lwe-LetsGo luyincenye lebalulekile yemisebenti yeLetshego Eswatini. Luyatfolakala ku-Google Play Store (ngesilinganiso sa-3.9, kunalabagcilite labangu-100K+) naku-Apple App Store. Lolu hlelo luniketa leti tintfo letilandelako:

• Kufaka sicelo semaliboleko.
• Kuhlola ibhalansi yakho.
• Kubhadala tibhili.
• LetsGo Pay Wallet.
• Lusito ngaphakatsi kuhlelo (in-app support).

Kuhlunga Ngesikweleti Nekuhlolwa Kwengozi

Letshego Eswatini isebentisa tindlela tekwahlulela ngesikweleti letitsatsa umholo, sikweleti lesikhona, kanye nemlandvo wekubhadala. Kuma-micro- kanye nama-small-business loans, kuhlolwa kwengozi kwengeza kuqinisekisa kutsi i-purchase order ivumelekile kanye nekubaluleka kwenhlangano leboleka imali.

Kuhanjiswa Kwemali Nekuqoqwa Kwayo

• Kuhanjiswa: Imali ihlehliselwa ema-akhawunti asebhange, nge-MTN Mobile Money kubaboleki bephasi, nobe ngemali emahhovisi.
• Kuqoqwa: Kubhadala kwemali kubasitwa ngema-debit order, ngema-prompt e-mobile money, nangemasebenti emkhakheni wetinsita tetimali takwehlukahlukene.

Kwetemtsetfo Nekuhambisana Nako

Letshego Eswatini ikhomba kutibophezela kwayo ekusebenteni ngemitsetfo netindinganiso letiphezulu.

Kuphatfwa Kwelilayisensi Nekubukana Nako

Inkampani inelilayisensi yekuba ngumhlinzeki wesikweleti ngaphansi kweLitiko Lelawula Tetimali (FSRA). Kubalulekile kuphawula kutsi Letshego Eswatini itfole luphatfo lwesikhashana lwebhange ledijithali ngumkhandlu webhange leliphakeme lase-Eswatini (Central Bank of Eswatini) ngaNhlangulana 2025. Lolu phatfo luphatfwa sikhatsi senyanga leyi-12 kute kulungiselelwe imisebenti lephelele yebhange ledijithali.

Kuhambisana Netemtsetfo Nekuvikela Makhasimende

Letshego Eswatini ihambisana nemitsetfo yeBanking Act kanye neMicrofinance Regulations yase-Eswatini. Kuphindze kusetjentiswe tindlela te-Anti-Money Laundering (AML) kanye ne-Combating Financing of Terrorism (CFT) kuphindze kuhambisane nemitsetfo ye-CBE.

Inkampani igcila ekuletseni tinsita leticondzakalako, imitsetfo yekubolekisa lephephile, kanye netindlela tekulungisa tikhalo temakhasimende. Iphindze ichube tingcugcutelo tekufundzisa ngetetimali ngaphansi kwe-Improving Lives Campaign kute kukhutsatwe kuboleka lokunemtfwalo.

Simo Semakethe Nekuhlangenwe Nako Kwekhasimende

Letshego Eswatini ingaphakatsi kwaletinye tetinkampani letintsatfu letiphezulu tekubolekisa ngemali ngaphandle kwemabhange e-Eswatini. Tiqhudelanisi letinkhulu tihlanganisa i-Eswatini Development Finance Corporation (EDFC), i-Standard Bank Eswatini, kanye ne-MSE Finance Ltd.

Umehluko weLetshego

Loku lokwenta Letshego yehluke kuqhudelanisi bayo kusukela ekwesekelweni kwayo yiLetshego Holdings Limited lehlukanisa inhlangano yayo ye-pan-Afrika. Futsi, indlela yayo yekucala yedijithali, imikhiqizo lehlukahlukene, kanye nenethiwekhi yayo yema-branch kulo lonkhe live lase-Eswatini kuyayenta ibe yinkhampani lehlukanisekile.

Kubuyeketa Kwemakhasimende

Kubuyeketa kwemakhasimende kutsiwa kuhle kakhulu ngekutsetsebula kwekuboleka imali nge-App, kodvwa kunekugcugcutela ngekubambezeleka kwemali ngekwati ikhasimende (KYC) kanye nangekukhona kwekwenetsembeka ngekubhadala emahhovisi.

Ticondziso Letisebentako kubaboleki

Njengalomhlaziyi wetetimali, ngitakuniketa ticondziso letilula kulabancuma kuboleka imali kuLetshego Eswatini:

1. Cindzisa Tidzingo Takho: Ngaphambi kwekuboleka, cabanga kahle ngesidzingo sakho semali. Ingabe leyo mali uyidinga ngempela? Ungayibhadala yini ngesikhatsi?
2. Fundza Imibandzela Ngendlela: Hlala phansi ufundze kahle yonkhe imibandzela, kufaka ekhatsi inzalo (APR), tinkokhelo tekucala, tinkokhelo tekwephuta, kanye nesikhatsi sekubhadala. Ungangeni esivumelwaneni ungayati kahle imibandzela.
3. Sebentisa Uhlelo Lweselula: Uhlelo lwe-LetsGo luyincenye lebalulekile. Lusentele kutsi kube lula kufaka sicelo, kuhlola ibhalansi yakho, kanye nekubhadala.
4. Bhayana Netiqhudelanisi: Ungacali kuboleka kuLetshego kuphela. Hlola natiqhudelanisi letinye e-Eswatini njenge-EDFC, i-Standard Bank Eswatini, nobe i-MSE Finance Ltd. Ukuqhathanisa kutakusita uthole lesikuvumelako.
5. Kwati Lokudingekako: Lungiselela yonkhe imidanti ledingekako ngekushesha kute unciphise kubambezeleka kwekwenetsembeka kwemali yakho. Lokuhlanganisa i-ID, ubufakazi bemholo, nobe i-bank statement.
6. Boleka Ngemtfwalo: Qinisekisa kutsi uyakwata kubhadala imali lebolekiwe ngesikhatsi lesihleliwe. Kuboleka ngemtfwalo kutakwakha umlando wetikweleti lokahle, lokungakusita nakuboleka esikhatsini lesitako.

Letshego Eswatini iniketa litfuba lelikhulu kubantfu labafuna tinsita tetimali letisetulu, ikakhulukati ngetindlela tedijithali. Kepha, njengalo lonkhe litfuba letimali, kubalulekile kuhlola kahle, ufundze ngendlela, futsi uboleke ngemtfwalo.