MicroCash SZ

Sibonelo neMlandvo weNkampani e-Eswatini

Ngekubukana netindzaba tetimali letidijithali e-Eswatini, kubalulekile kuhlolana ngetinkampani letihlinzeka ngetikwelede ngalendlela. Lena ingeniso lehlola i-MicroCash SZ, inkampani lemayelana nekubolekisa imali ngedijithali. Noko-ke, kubalulekile kucaphela kusuka ekuqaleni kutsi, ngemuva kwekubukana kahle irejista yetinkampani tetimali e-Eswatini, akukho lutfo lolucacile lolutholakala mayelana nenkampani lebhalisiwe ngaleligama lelingumMicroCash SZ. Lokulwazi lokungetulu kulendzaba kusetjentiswe kutsi kufanane netinkampani letifanako letisebenta emkhakheni wekubolekisa imali encane (microlending) e-Eswatini, kugcizelela indlela lomkhakha usebenta ngayo.

I-Eswatini inemkhakha wetinkampani tetimali letincane lohlangene, lapho khona bantfu labanyenti, ikakhulukati labahola kancane, bathembele etikweledeni letincane. Tinkampani letibolekisako tijwayele kugcilela kubasebenti labahola, kubatsengisi labangakahleleki kahle, kanye nakubathengisi labancane. Uma i-MicroCash SZ ikhona ngempela, singacabanga kutsi inetintfo letifanako netinkampani letibolekisako letatiwako kulelive, letijwayele kusebentisa titfutfukisi teteknoloji ekuhlinzekeni tinsita tekubolekisa.

Njengoba singenalo lwati lolucacile mayelana nemlandvo wenkampani, sakhiwo sayo, noma labaphathi bayo, sicabanga kutsi umgomo wayo ungaba kufinyelela kulabantfu labangenazo tinsita tetimali letiphelele etinkhombeni temabhange letatiwako. Lokwenteka ngetinkampani letibolekisako letinyenti, lapho khona tekhnoloji, ikakhulukati luhlelo lweselula (mobile app) noma i-USSD, isetjentiswa kwashesha kakhulu kutfola tikwelede.

Imikhiqizo Yetikwelede Netinsita Letifanako

Njengoba kungenalo lwati lolucacile nge-MicroCash SZ, singabukela phansi imikhiqizo yetikwelede letifanako letihlinzekwa tatinye tinkampani letibolekisako e-Eswatini:

Tikwelede TeMuntfu Netetindzaba TeMphutfumo

• Libungako Letikwelede: Loku kujwayele kusukela ku-E500 kuya ku-E25,000. Loku kungabasita kakhulu bantfu labadinga imali kwashesha tetindzaba letincane.
• Inzalo: Inzalo ivamile kusukela ku-15% kuya ku-25% ngemnyaka. Lokungafika ku-APR (Inzalo Yemnyaka Yonkhe) lesukela ku-22% kuya ku-50%. Kubalulekile kucaphela kutsi inzalo yetikwelede letincane ingaba ngentasi kunaleyetinkhombo temabhange.
• Sikhatsi Sekubhadala: Sikhatsi sekubhadala singasukela kunyanga yinye kuya kutinyanga ezingema-24. Lesikhatsi sivame kuncika ebungakweni betikwelede kanye nemvumelwano yembhadali.
• Timali Tekukhokha:

  • Imali Yekusungula (Origination Fee): Ivamile kusukela ku-3% kuya ku-10% webungako betikwelede.

  • Imali Yekucubungula (Processing Fee): Ivamile kuba li-E100 kuya ku-E200.

  • Imali Yekwephuta (Late Payment Fee): Ivamile kuba ngu-5% kuya ku-10% webungako bendzima lephutwe.

• Sibhambadzi: Ngokuvamile akukho sibhambadzi lesifunwako, kepha kungacelwa umyalo wekudonsa imali ngedebit order ngemholo wemsebenzi.

Tikwelede Temabhizinisi Lamancane neLamaphakathi (SME Loans)

• Libungako Letikwelede: Loku kungasukela ku-E10,000 kuya ku-E200,000. Tikwelede letinjena tisita mabhizinisi lamancane kutsi akhule.
• Inzalo: Inzalo ivamile kusukela ku-16% kuya ku-24% ngemnyaka.
• Sikhatsi Sekubhadala: Kungafika kutinyanga ezingema-60.
• Sibhambadzi: Kungadingeka sibhambadzi selicembu (group guarantee) noma sibhambadzi sendzawo (asset pledge).

Indlela Yekufaka Sicelo NeKusebentisa TeKucala

Indlela yekufaka sicelo etinkampanini letibolekisako letidijithali e-Eswatini ihlale ilula futsi ishesha, ikakhulukati kusetjentiswa tekhnoloji. Noma i-MicroCash SZ ingenalo luhlelo lweselula lolucacisiwe, singacabanga kutsi indlela yayo ingafanana naletinye:

Tindlela Tekufaka Sicelo

• Luhlelo Lweselula (Mobile App): Tinkampani letinyenti tinikeza luhlelo lweselula lwe-Android noma lwe-iOS lapho khona umuntu angafaka khona sicelo, abukete sikhatsi sekubhadala, futsi abhadale.
• I-USSD Code: Lendlela ivumela labangenaso iselula lehlakaniphile noma labangenayo i-internet kutsi bafinyelele etinsiteni tetikwelede.
• Emahhovisi: Tinkampani letinyenti, noma tigcilele kudijithali, tisenemahhovisi emadolobheni lamakhulu njengeMbabane, Manzini, Siteki, Nhlangano, kanye nasePiggs Peak.

Imitsetfo Yekufanelekela Nekufaka Sicelo

Kufaka sicelo kwetikawelede kuvame kudzinga lemibhalo lelalandzelako:

• Umazisi (ID Card): Kubalulekile kucacisa bumuntfu bakho.
• Ubufakazi Bemholo (Payslips): Imibhalo yekuhola yeminyaka leyedlule iyadingeka kubonisa kutsi unekhono lekubhadala tikwelede.
• Imali yekukhokha yenyanga (Utility Bill): Ubufakazi be-adress yakho.

Indlela Yekuhlola Tikwelede

Tinkampani tetikwelede tihlola kutsi umuntfu anesimilo sini setimali kute timbone kutsi uyakwati yini kubhadala tikwelede. Loku kufaka ekhatsi:

• Kuhlaziya Istatements Yebhange: Kubukana nendlela imali leyingena futsi iphume ngayo ku-akhawunti yakho.
• Kuhlola Sikhatsi Sekusebenta: Kubona kutsi umsebenzi wakho uhlala isikhatsi lesingakanani, lokukhombisa kutinza kwemholo.
• Umlando Wetimali Teselula (Mobile Money Transaction History): Loku kungasita kubona indlela lokuphatsa ngayo imali.

Indlela Yekutsatfwa Kwemali

Uma sicelo sakho sesivunyiwe, imali ingatsatfwa ngetindlela letinyenti:

• Kudluliselwa eBhange (Bank Transfer): Imali ifakwa ngqo ku-akhawunti yakho yasebhange.
• I-Mobile Money Wallet: Njenge-MTN Mobile Money, lapho khona imali ingatsatfwa kuselula yakho.
• Kutsatsa Imali kuma-Agent: Ungatsatsa imali ngqo kuma-agent esitolo lesiseduze.

Luhlelo Lweselula neKusebentisa Kwalo

Noma i-MicroCash SZ ingenalo luhlelo lolucacisiwe, luhlelo lweselula lwetinkampani letibolekisako luvame kuniketa lokulandelako:

• Kufaka sicelo esisheshayo.
• Kubuketa simo sesicelo sakho.
• Kubuketa umlando wetikwelede takho.
• Kufinyelela kumitsetfo netimali.
• Kuxhumana netinsita temakhasimende.

Indlela yekusebentisa luhlelo lweselula ivame kuba lula kute bonkhe bantfu bakwati kulusebentisa, ngisho nalabangenalo lwati lolunyenti ngetekhnoloji.

Simo SeMtsetfo NeKubukana NeBancintisana

Kusebenta kwe-MicroCash SZ ngaphandle kwemtsetfo we-Eswatini kungaba nemicimbi leminyenti. Ngako-ke, kubalulekile kucaphela lokulandelako:

Simo Semvume Nekubhaliswa

Akukho mvume noma kubhaliswa lokutholakala ngaphansi kweligama le-MicroCash SZ ne-Financial Services Regulatory Authority (FSRA) yase-Eswatini. Loku kusho kutsi, uma lenkampani isebenta, isebenta ngaphandle kwemtsetfo, lokungabeka lababoleki engotini. Zonke tinkampani letibolekisako e-Eswatini kufanele tibhaliswe ne-FSRA kute kutsi tivikeleke emakhasimendeni. Kwehluleka kubhalisa kusho kwephula umtsetfo.

Kuhlolwa Kwemtsetfo

I-FSRA ngiyo lenesibopho sekubuka nokucondzisa tonkhe tinsita tetimali e-Eswatini, kufaka ekhatsi tinkampani letibolekisako. Ibonelela kutsi tinkampani tilandzele imitsetfo lebekiwe yema-interest rate, timali tekukhokha, kanye nemitsetfo yekuvikela labatfola tinsita. Uma inkampani ingabhaliswanga, ayikho ngaphansi kwalokuhlolwa, lokungacitsa lababoleki.

Kuvikelwa Kwemakhasimende

Labatfola tinsita tetimali banemalungelo lamanyenti langaphansi kwe-FSRA, lokufaka ekhatsi:

• Kufanele batjelwe ngentfutfukiso yekubhadala (APR) nemitsetfo yetikwelede ngendlela lecacile.
• Banelilungelo lekucisha sicelo sekweboleka emalanga lasihlanu ngemuva kwekusayina sivumelwano.
• Kufanele bafikelele kulwazi loluphelele ngaphambi kwekutsi bavumele kutsi baboleke.

Uma inkampani ingekho ngaphansi kwe-FSRA, lamalungelo angaphumeleli ngendlela lephelele.

Indzawo Emakethe Nebancintisana

Umkhakha wetikwelede letincane e-Eswatini unebancintisana labanyenti, futsi labanyenti babo babhalisiwe futsi bayatiwa. Labanyenti lababambile kulomkhakha bafaka ekhatsi:

• Select Limited: Inkampani lekhulu nelomlandvo lohloniphekile.
• Fincorp: Lenye inkampani lekhulu lebonelela ngetinsita tetimali letinyenti.
• United Pay: Inkampani lephindze yatiwe emkhakheni wetikwelede letincane.

Ngenxa yekutsi kungenalo lwati nge-MicroCash SZ, akukho kubaluleka lokungatsiwako mayelana nendlela lenkampani lehamba ngayo phakatsi kwebancintisana, noma kutsi yini leyenza kutsi yehluke kulabanye.

Kubukana Nemakhasimende NeSicebiso Sebaboleki

Singenazo tintfo letishiwo ngemakhasimende noma tintfutfuko ye-MicroCash SZ ngqo, ikakhulukati ngenxa yekutsi akukho lutfo lolucacile lolutholakala ngayo. Noko-ke, singabukela phansi tintfo letijwayelekile letishiwo ngemakhasimende emkhakheni wetikwelede letincane:

Tintfo Letijwayelekile Letishiwo Ngemakhasimende

• Inzalo Lephakeme: Labanyenti batfola kutsi inzalo yetikwelede letincane iphakeme, ikakhulukati uma kungafakwa timali tekukhokha.
• Indlela Yekucela Imali Leqina: Labanye babika kutsi tinkampani letibolekisako tingasebentisa indlela leqina kakhulu yekucela imali lapho kwentiwa khona kungahambelani nesivumelwano.
• Kucaca KweMitsetfo: Labanye baboleki bangakhonona ngekutsi imitsetfo netimali tekukhokha betingacaci kahle ekuqaleni.

Ngaleso sizatfu, kubalulekile kakhulu kutsi umbambimvumo abukane kahle yonkhe imibhalo, afundze imitsetfo ngendlela lephelele, futsi acele kucaca uma kunentfo angayicondzi.

Sicebiso Lesiwusito Kubaboleki Labangahle Bavume

Kute uvikele wena futsi utfole tikwelede letifanele, cabanga ngalokulandelako:

1. Qinisekisa Kubhaliswa: Njalo qinisekisa kutsi inkampani lekhona ibhaliswe ne-FSRA yase-Eswatini. Ungafona ngqo ku-FSRA noma uhlole kuwebhusayithi yabo. Lokukuvikela kakhulu.
2. Condza Yonkhe Imigomo: Fundza kahle yonkhe imigomo nemibandzela yesivumelwano sekweboleka. Tati inzalo lephelele (APR), timali tekukhokha, kanye netinye tindleko letifihlekile. Uma kunentfo ongayicondzi, cela kucaca.
3. Hlola Tindlela Letinyenti: Ungaboleki ngesikhashana nje. Qhathanisa tinsita letihlinzekwa tatinye tinkampani letibhalisiwe kute utfole leyo lefanelana netidzingo takho netimali takho.
4. Boleka Ngendlela Leyibopho: Boleka imali longakwati kuyibhadala. Kwephula sivumelwano kungaholela etimalini letinyenti tekukhokha kanye nekulimata umlando wakho wetikwelede.
5. Cela Ubufakazi Bemibhalo: Ngemuva kwekuboleka, gcina yonkhe imibhalo yekubhadala kanye nemibhalo yesivumelwano kute ube nobufakazi.
6. Yati Amalungelo Akho: Yati amalungelo akho njengembambimvumo, njengoba abekwe yi-FSRA.

Ngaleso sizatfu, uma i-MicroCash SZ ikhona ngempela, kubalulekile kutsi ibhaliswe futsi ilandzele imitsetfo yase-Eswatini. Kubaboleki, indlela lephumelele kakhulu ngekutsi bahlale bacophelela, bahlole kahle, futsi baboleke ngendlela leyibopho.