Sibuke Sisonke Inkampani ye-MTN Eswatini
I-MTN Eswatini, leyatiwa kakhulu ngekutsinika tinsita tekucoca, seyisungule indlela yekunika bantfu tinsita tetimali ledijithali ngekuvula luphiko lwayo lwe-Mobile Money (MoMo). Loku kwenta kutsi labanye bantfu labangafinyeleli tinsita temabhange babe nelithuba lekuboleka imali ngetindlela letisheshako netilula.
I-Swazi MTN Limited, leyabhaliswa ngekutsi yi-CP/236/2021 ku-Financial Services Regulatory Authority (FSRA) yase-Eswatini, yasungulwa ngemnyaka wa-1998. Yinkampani lenesitokwe lesiphetfwe ngemacembu lahlukahlukene: i-Swaziland Post and Telecommunications Corporation (SPTC) iphetse i-41%, i-MTN Group Limited iphetse i-30%, i-Eswatini Empowerment Limited iphetse i-19%, kantsi labanye bamelimi banesitokwe lesi-10%.
Umsebenti lomkhulu we-MTN Eswatini kusekuchumana kweselula, kepha ngekwetfula i-MoMo, seyifake tinsita letibalulekile letifana nekukhokha, kufaka imali, kanye netimali-mboleko letincane. Labo labahlosiwe yilo lonkhe bantfu labaneminyaka lengu-18 nangetulu labangafinyeleli kahle kumatinsita emabhange, kanye nemabhizinisi lamancane nemabhizinisi langakahleleki lafuna imali lekhatsi nje.
Imali-mboleko Netinsita Letiniketwako yi-MTN Eswatini
I-MTN Eswatini yetfula tinhlobo letimbili tetimali-mboleko letibalulekile:
- I-MoMo Quick Loans: Leti timboleko letincane letitfolakala ngekushesha nge-USSD nobe nge-App ye-MoMo. Tigcisela kuleto letifuna imali lekhatsi nje, letibhadalwa emalanganeni langu-30. Inani lemali-mboleko lingafika ku-E600.
- Sisekelo Sebantfu Labasha Khula Natsi (MTN Youth Fund Khula Natsi): Loku kumali-mboleko yebhizinisi labasha leliniketwa ngekusita kwe-MTN Foundation kanye ne-Youth Enterprise Revolving Fund. Imali-mboleko yalolu hlobo iphakati kwe-E5,000 kuya ku-E30,000, futsi ingabhadalwa eminyakeni lefika kulemibili (24 months).
Inzalo, Imali Yetinsita, Nemigomo
Mayelana netinga lenzalo (interest rates) kanye nemali yetinsita (fees), i-MTN Eswatini ayizishicileli ngokusobala lemininingwane. Ngekulinganisa lokungakacinsi, inzalo yanyanga zonke yetimali-mboleko ye-MoMo ingaba ku-5-10%, lokusho kutsi i-APR (Annual Percentage Rate) ingaba ku-60-120%. Ngalemininingwane lephelele, kutfunyelwa kutsi ubute ngqo ku-MTN Eswatini nobe ku-FSRA.
Imigomo yekubhadala ye-MoMo Quick Loans yincane, kumele ibhadalwe emalanganeni langu-30. Kantsi ye-Khula Natsi ingafika eminyakeni lemibili. Imali yetinsita kanye netinhlawulo tekwephuta kubhadala akukashicilelwa ngokusobala, kepha kulindzeleke kutsi kube khona. Ku-MoMo Quick Loans, akudzingeki sicekela semboleko (collateral), kepha kufanele umuntu abe nendlela yekusebentisa i-MoMo esikhatsini lesitsite. Ku-Khula Natsi, kudzingeka kubukisiswa lokusemtsetfweni ngeluhlanga lwemphakatsi nobe i-Inkhundla.
Indlela Yokufaka Sicelo Nemisebenti
Kufaka sicelo semali-mboleko ku-MTN Eswatini kulula, futsi kunetindlela letiningi:
- I-USSD: Shayela ku-*007# bese ukhetsa "Quick Loans" (Imali-mboleko Lesheshako) kuze ufake sicelo se-MoMo.
- I-App Yeselula: I-App ye-MoMo (etholakala ku-iOS ne-Android) inika umsebenti wokucela imali-mboleko, kanye nekukhokha tibili, kufaka airtime/data, kanye nekudlulisela imali.
- Tindzawo Letibonakalako: Ticelo te-Khula Natsi titfolakala kuma-Inkhundla kanye nasemahhovisi e-SNYC (Swaziland National Youth Council).
Ticelo Tekuvuma (KYC) Nemgomo Wemboleko
Ku-MoMo Quick Loans, umuntu kufanele abe neminyaka leli-18 nangetulu, asebentise inkonzo ye-MTN iminyaka lengu-6 nangetulu, futsi asebentise i-MoMo iminyaka lengu-3 nangetulu. Kumele futsi asebentise i-MoMo ekukhokheni tibili, ekufakeni airtime/data, kanye nasekudluliseleni imali.
I-MTN isebentisa indlela yekubalwa kwemboleko le-otomatiki lehlola indlela umuntu asebentisa ngayo i-MoMo kanye nenkonzo yayo. Ku-Khula Natsi, kubukisiswa kwenziwa ngetincwadzi tebufakazi, ticelo letivela kubaholi bemasiko, kanye nekuhlola kwangaphambi kwesikhathi kwe-YERF.
Ubucwepheshe NokuFinyelela
I-App ye-MoMo iyatholakala ku-iOS ne-Android, futsi inika umsebenti wokucela imali-mboleko, kukhokha tibili, kufaka airtime/data, kudlulisela imali, kanye nekufaka imali. I-MTN Eswatini inelulwimi lolubanzi lweselula loluhlanganisa i-96% yelive kanye ne-99% yebantfu. Lenethiwekhi ifaka phakatsi netindzawo tekusabalalisa te-MoMo letifika ku-850 nangetulu.
Inombolo yebathengi be-MTN ifika ku-950,000, kantsi labasebentisa i-MoMo bafika ku-500,000. Lemininingwane ikhombisa kutsi i-MTN inendzawo lebalulekile ekukhulumisaneni nasekubolekiseni imali e-Eswatini.
Simiso Semtsetfo NokuLandzela
I-MTN Eswatini inelayisensi yetelikhilikhi leyiniketwe ngaphansi kwe-Communications Commission Act ya-2013. Ngetinsita tetimali, ibhaliswe ne-FSRA nge-ID CP/236/2021. Luphiko lolawulako lwetelikhilikhi yi-Eswatini Communications Commission (ESCCOM), kantsi tinsita tetimali tilawulwa yi-Financial Services Regulatory Authority (FSRA).
I-MTN Eswatini ayikazange ihlangabetane netinhlawulo letishicilelwe nobe tento tekucindzetela kuze kube ngu-2025. Kuze kuvikelwe bathengi, kukhona ticondziso letibonakalako nge-USSD nange-App mayelana nemali yetinsita kanye nekubhadala. Tikhalo tibitwa etindzaweni tekucoca te-MTN kanye nemalungelo e-FSRA.
Indzawo Yemakethe Nabaqhudelanako
Emakethe yetimali-mboleko yeselula, i-MTN MoMo icudzelana ne-Letshego Eswatini (ngelibambisano le-MTN), kanye netimali-mboleko te-e-Mali te-Eswatini Mobile, kanye netinkampani letincane tetimali. I-MTN ihlukile ngekutsi yenta kutsi kulula kufinyelela tinsita nge-USSD, kukhokhwa kwemali-mboleko ngekushesha, kanye nekusebentisa imininingwane yetelikhilikhi kuhlola ikhredithi.
I-MTN ihlala ikhula ngekuvula tindlela letintsha, kufaka phakatsi kuhlolwa kwe-5G nga-2023, kanye nekutfutfukisa lenethiwekhi yayo yetimali yedijithali. Isebentisana kakhulu ne-Youth Fund (lekhokhelwa nguhulumende) kanye netindzawo tema-Inkhundla.
Kwengeteka Kwebathengi
Labathengi bavama kucabanga kahle mayelana nekushesha kwefinyelela imali-mboleko, kulula, kanye nekungadzingeki emaphepha ku-MoMo loans. Kepha, kunekukhononda ngemanani emali-mboleko lamancane (E600), inzalo lephakeme lengakashicilelwa ngokusobala, kanye nemaphutsa latsite e-USSD. Tibhalo letijwayelekile tihlanganisa kunganati kwembhono wetinzalo nemali yetinsita, kanye nekuba bukhuni ekufinyeleleni lusito lwekubathengi.
Kufinyelela lusito lwekubathengi, ungashayela ku-+268 2406 8000 nobe uthumele i-email [email protected]. Kunemlandvo lophumelelako webantfu labasha labaphumelele ekukhuliseni emabhizinisi abo ngetimali-mboleko te-Khula Natsi.
Li-advice Lebalulekile Kulabo Labangaba Ngaboboleki
Njengemchazitimali, ngincoma kutsi labafuna kuboleka imali ku-MTN Eswatini bacabangisise ngaloku lokulandzelako:
- Buza Ngemininingwane Lephelele: Njengoba tinhlobo letiningi temali yetinsita netinga lenzalo tingashicilelwanga ngokusobala, kubalulekile kutsi ubute ngqo ku-MTN nobe ukhombe i-FSRA ngemininingwane lephelele ngaphambi kokuboleka.
- Linganisa Tigaba: Njalo linganisa tinsita letiniketwa yi-MTN neletiniketwa ngulabanye labacudzelanako e-Eswatini, njenge-Letshego nobe i-Eswatini Mobile e-Mali, kute ukhetse lenkhulu kakhulu kwebafanele wena.
- Cabangela Kukhona Kwemali-mboleko Leyincane: I-MoMo Quick Loans yincane kakhulu, inani layo lingafika ku-E600. Loku kungase kungenelele tetimali letinkhulu.
- Yati Imitsetfo Nekubhadala: Cindzetela kutsi uyati kahle imigomo yekubhadala, ikakhulukati i-MoMo Quick Loans lemele ibhadalwe emalanganeni langu-30. Kwephuta kungaholela etinhlawulweni.
- Sebentisa i-MoMo Ngendlela Lehlakaniphile: Ngetimali-mboleko te-MoMo, umlando wakho wekusebentisa i-MoMo ubalulekile ekuhlolweni kwekhredithi. Sebenzisa i-MoMo ngendlela lephumelele kute wakhe umlando lomuhle.
- Kucabangela i-Khula Natsi Yebhizinisi Labasha: Uma unebhizinisi lelisha, i-Khula Natsi inika inani lemali lelikhulu kakhulu kanye nemigomo yekubhadala lephelele. Hlola ticelo tayo kanye nemigomo yayo lephelele.
I-MTN Eswatini inika indlela lehlakaniphile neyesimanje yekufinyelela imali-mboleko e-Eswatini, ikakhulukati kulabo labangafinyeleli kahle tinsita temabhange. Kepha, njalo kubalulekile kutsi ufinyelele kuleso sicondziso ngekucabangisisa, uwati onkhe emacala, futsi uciniseke kutsi ufinyelela imali-mboleko leyofanelana netidzingo takho.
