E-Eswatini, imihlaba yemali mboleko yedijithali iyachubeka ikhula, leniketa bantfu ematfuba ekutfola imali ngokushesha nangalula. Kodvwa kulamatsatfwa ematfuba, kubalulekile kutsi batfotsi bemali babe nekucondza lokuphelele ngaletinye tincwadzi temali mboleko kanye nesimo sato semtsetfo. Lalomlomo uhlose kuhlinzeka ngekuhlola lokujulile ngeM-Peso Quick, lelibhizinisi lelitsatfwa njengaliniketa imali mboleko edijithali kulelive.
Njengabaluleki betemali, siyacela kutsi batfotsi bemali nabacaphe kakhulu nasebakhetsa kutsi baboleke kuphi. Kuhlolwa lokwentiwe kutfola imininingwane ngalelibhizinisi leM-Peso Quick kukhombise kushawe ingoti, lokwenta kubaluleke kakhulu kutsi sitfole kutsi yini ngempela lelibhizinisi, nangabe likhona ngempela e-Eswatini ngendlela legunyatiwe.
Simo SeM-Peso Quick Sase-Eswatini Nesemali Mboleko Yetenhlanyelo
Ngekuhlola lokujulile, sekutfolakele kutsi akukho lutfo lolungunyenti lolungatsatfwa njengalolungunyenti lolukhona mayelana neM-Peso Quick njengalelibhizinisi lelibolekisa ngemali lelisemtsetfweni futsi lelibhalisiwe e-Eswatini. Lelibhizinisi alikaveli kuMtimba LoBhalisa Bantfu Lababolekisa Ngemali we-Central Bank of Eswatini, ku-Eswatini Financial Services Regulatory Authority (FSRA), noma kunobe yimuphi umbhalo lobalulekile webhizinisi kulelive.
Simo Selibhizinisi kanye Nekubhaliswa Kwalo
- Ligama Lemtsetfo Nekubhaliswa: Akukho kubhaliswa kweM-Peso Quick lokukhomba kutsi likhona embhalweni we-Central Bank of Eswatini walabo labavunyelwe kubolekisa ngemali, noma kubalwe ku-FSRA, noma kunobe yimiphi imibhalo yebhizinisi. Loku kusho kutsi, ngokwemtsetfo, akukakhanyi kutsi lelibhizinisi lisebenta ngaphansi kwelayisensi e-Eswatini.
- Unyaka Lowasungulwa Ngawo kanye Nebunikati: Ayikho imininingwane lekhonjisiwe ngomnyaka lelibhizinisi lelasungulwa ngawo, noma ngesimo sabanikati balo.
- Indlela Yebhizinisi kanye Nemakethe Lenhloso: Akukho kucaciswa ngendlela lelibhizinisi lelishaya ngayo, noma ngemakethe lelihlose kuyisebenta. Akukho kubalwa kweluhlobo lweM-Peso Quick lokutfolakala emakethe yedijithali yase-Eswatini.
- Baphathi nababambiqhaza Labakhulu: Akukho lutfo lolutfolakele ngebasunguli, baphathi, noma emalunga ebantfu labaholako kulelibhizinisi.
Imali Mboleko Netinsita Letitfolakalako
Njengoba kungekho kubhaliswa lokukhombisa kutsi lelibhizinisi likhona, akukho lutfo lolunembako lolukhona mayelana nemali mboleko netinsita lelihlinzeka ngato:
- Luhlobo Lwemali Mboleko: Akukho bufakazi bemali mboleko yebantfu, yamabhizinisi, yemabhizinisi lamancane, noma yetenhlanyelo ngaphansi kweligama leM-Peso Quick.
- Tinhlaka Temali Mboleko: Akukho kusho lokugunyatiwe ngemininingwane yemali lemincane noma lemikhulu lengabolekwa nge-Emalangeni.
- Inzalo kanye ne-APR: Akukho bufakazi bemininingwane yenhlala, noma ye-Annual Percentage Rate (APR).
- Imibandzela Yekubuyisela: Akukho kubalwa kwetinkhatsi tekubuyisela imali mboleko (tintsatsa, emaviki, tinyanga).
- Timali Letikhokhwa: Akukho bufakazi betimali tekucala, tekucubungula, tetinsita, noma tekukhokha sekwephuta.
- Sitembeletelo: Akukho kusho lokugunyatiwe ngetinhlobo tetembelelo letifunekako.
Tindlela Tekusebenta Netetintfo Tebuchwepheshe
Kute libhizinisi lemali mboleko yedijithali lisebente ngempumelelo, kufanele libe netindlela tekusebenta letinembako netichwephesha. Kulendzaba yeM-Peso Quick, kubuye kwatfolakala kushawe ingoti.
Indlela Yekufaka Sicelo Netintfo Letifunekako
- Tindlela Tekufaka Sicelo: Akukho app yeselula lekhona ku-iOS noma ku-Android etitolo tema-app tase-Eswatini; akukho webhusayithi ngaphansi kweligama lase-Eswatini; akukho bukhona bemagatsa labhaliwe.
- Kucindzetela Bunjalo Nemtfombo Wemali: Akukho tindlela letishicilelwe tekucindzetela buntfu noma umtfombo wemali.
- Kuhlola Kwemalimboleko: Akukho tindlela letisemtsetfweni tekuhlola likhredithi noma tindlela tekuhlola ingoti.
- Kuniketwa Kwemali: Akukho bufakazi bekuniketwa kwemali ngema-akhawunti asebhange, nge-mobile money (njenge-MTN Mobile Money, Eswatini Bank), noma ngemali.
- Kucolisa Nemali Sekwephuta: Akukho kuchazwa kwetindlela tekusingatha mali sekwephuta.
I-Mobile App Netintfo Tedijithali
Njengoba kutfolakele, akukho app yeselula ye-M-Peso Quick etitolo tema-app e-Eswatini. Loku kusho kutsi, akukho lutfo lolukhona lwebuchwepheshe lelihlinzekwa yi-M-Peso Quick. Akukho bukhona be-webhusayithi lebhaliwe, noma ema-social media lamanyenti lakhombisa kutsi lelibhizinisi likhona.
Simo Semakethe Netibuyekezo Tebatfotsi
Kuze libhizinisi lemali mboleko yedijithali livele kahle emakethe, kufanele libe nesimo lesicacile emakethe futsi libe netibuyekezo letinembako tebatfotsi bemali. Loku kuye kwatfolakala kungenjalo kuleNdaba yeM-Peso Quick.
Simo Semakethe kanye Nebancintisani
- Simo Semakethe: Akukho kutfolakala kwemininingwane lelinganiseka ngesimo semakethe yeM-Peso Quick, ngoba akukho bufakazi bemininingwane.
- Bancintisani: Labanye babolekisi bemali edijithali labatiwako e-Eswatini (njenge-Imbita Finance Trust netinsita temali mboleko yedijithali, tinsita temali mboleko tetibhange telifundza, kanye netimali mboleko letincane letisekelwa yitinkampani tetekuchumana) abeyisho i-M-Peso Quick.
- Kwehluka Kwalo: Ngenxa yekungabi nemininingwane, akukho kutfolakala kutsi yini leyenta lelibhizinisi lehluke kulabanye.
Tibuyekezo Tebatfotsi Besevisi
Akukho tibuyekezo letinembako tebatfotsi besevisi lekhona ku-M-Peso Quick etinkundleni tasendzaweni, noma kumacembu etimboni, noma etinkundleni tekuvikelwa kwabatfotsi besevisi. Loku kusho kutsi akukho lutfo lolukhona lokucondzisa ngebunjalo betinsita talelibhizinisi, nangabe libhlinzeka ngetinsita ngempela.
Kungaphetfwa Neteluleko Letibalulekile
Ekugcineni, kuye kwatfolakala kutsi i-M-Peso Quick ayikakhombisi bukhona obunembako noma lobugunyatiwe emkhakheni wetinsita temali letilawulwako e-Eswatini. Labo labahlose kuboleka imali, labalingani bebhizinisi, kanye nalabo labalawulako kufanele babutsatse njengobungagunyatiwe bonkhe bume lobukhombisa kutsi lelibhizinisi lihlinzeka ngetimali mboleko.
Teluleko Letibalulekile Kubatfotsi Bemali
Ngenxa yalesimo lesingacaci, siniketa teluleko letilandzelako kubo bonkhe labahlose kuboleka imali:
- Qinisekisa Ngaphambi Kwekutsi Uboleke: Ngaso sonkhe sikhatsi, qinisekisa simo semtsetfo kanye nekwemukelwa ngumtsetfo wanobe ngubani lobhizinisi loniketa tinsita temali. Ungakwenta loku ngekufaka umbuzo ngqo ku-Central Bank of Eswatini noma ngekucela imibhalo lemitsetfo lekhombisa kutsi lelibhizinisi libhalisiwe futsi ligunyatiwe.
- Caphela Tibonelelo Letihambisana Nezingozi: Nabe lelibhizinisi libonakala liniketa imali mboleko ngaphandle kwemibandzela noma ngaphandle kwekubuta imibuto lebalulekile, loku kufanele kube yingozi. Tinsita temali letigunyatiwe tihlala tibatsatsa ngekucophelela batfotsi bemali.
- Vika Imininingwane Yakho: Ungakufaki imininingwane yakho yetfu ngaphandle kokwenta isiqiniseko sekutsi ubhekene nelibhizinisi lelisemtsetfweni futsi lelithembekile.
- Buka Tingawo Tetimali: Nobe yini lelibhizinisi lelisemtsetfweni, lihlala libalisa ngetingawo letimali, imibandzela, netimali letikhokhwa. Ukungabi khona kwale mininingwane kufanele kube yingozi lekhulu.
Kufanele uhlale ucabanga kutsi kuphepha kwemali yakho kanye nemininingwane yakho kufanele kube yintfo lebaluleke kakhulu. Ungatsetsi tinkhombandlela teM-Peso Quick njengeletinembako ngaphandle kokwenta isiqiniseko lesiphelele.
