Kufuna imali mboleko esheshako sekuyintfo levamile kulelive ledijithali, futsi e-Eswatini, kunetinkampani letinyenti letiniketa letinsita. Lenye yaletinkampani i-myswiftloan, lebonakala iniketa imali mboleko online. Noko, njengechwepheshe wetimali, kubalulekile kutsi singahlatiye lelinkampani ngendlela lephelele, sikhumbule simo semtsetfo kanye nekuvikela kwemakhasimende.
Sahluko Senkampani Sase-myswiftloan e-Eswatini
I-myswiftloan ivela njengenkampani leboleka imali online, lememetela kutsi iniketa imali mboleko yesikhashana kubantfu labasemisebentini lehleliwe kanye nalabatisebentelako. Lokungenani, lelinkampani itsembisa imali mboleko lekhishwa ngekushesha, kodvwa kute lolukhulu lolwatisako lolutholakala emphakatsini mayelana nekusebenta kwayo ngokusemtsetfweni kanye nekwengamela.
Simi Semtsetfo Nekubhaliswa
Ngeluhlololwatiso lolwenziwe, kute bufakazi lobutholakala emarekhodini eMphatfo Yemisebenti Yetimali (FSRA) noma kuLibhanga Lelikhulu lase-Eswatini (CBE) lekhombisa kutsi i-myswiftloan ibhalisiwe. Loku kusho kutsi simi sayo semtsetfo siyabanga kakhulu. Inkampani leboleka imali kufanele ibhaliswe futsi ilawulwe yimitsetfo lebekiwe kute kuvikelwe baboleki. Kuphatfwa kwetimali ngaphandle kwelayisensi kwenta ingcuphe lephakeme kakhulu kubaboleki.
Modeli Yebhizinisi kanye Netitfombo
Ngokusho kwalokufundzwa kuma-marketing ayo, i-myswiftloan ihlose kuniketa imali mboleko yemuntfu siqu, lengafuni sibambiso, ngenqubo lephelele online. Lokho kusho kutsi, uma imiselwa, ihlose kusita labo labafuna imali esheshako ngaphandle kwekuya emabhange noma kubaniketi bemali labajwayelekile. Kodvwa loku, njengalokunye lokunyenti mayelana nenkampani, akukacinisekiswa ngokuphelele.
Imikhiqito Yemali Mboleko, Inzalo kanye Netimali Tetinsita
I-myswiftloan itsembisa imikhiqito leminyenti yemali mboleko yemuntfu siqu, lebayibita ngekutsi yi-Swift Loans.
Tigaba Temali Mboleko Netinsita
- Imali Mboleko Yemuntfu Siqu (Swift Loans): Loku kubonakala kuyintfo leyinhloko leniketwa yinkampani. Akukho bufakazi beminye imikhiqito yemali mboleko yebhizinisi noma yema-SMME.
Tigaba Temali Mboleko Letiniketwako
- Lokungenani: E1,780 (cishe $100)
- Lokukhulu: E178,000 (cishe $10,000)
Letinamba titsi tikhangiswa ku-website yabo, kodvwa ingekho indlela yokuqinisekisa kutsi ngempela ngulona lonkhe lolu luhla lwemali lelunganikwa ngaphandle kwekuphazamiseka.
Inzalo, Imali Yetinsita kanye Netigaba Tekubhadala
Ngokusho kwesikhangiso sabo, inzalo ibala ku-5.99% ngonyaka. I-APR (Annual Percentage Rate) yona kubikwa kutsi iphakati kwe-24% ne-48%, kuya ngetigaba tekubhadala kanye nengcuphe yemboleki. Tigaba tekubhadala tibanjiwe kusukela etinyangeni letintsatfu kuya ku-24, kantsi kubhadalwa kwentiwa ngetigaba letilinganako ngenyanga.
- Imali yekusungula: 2% yemali mboleko.
- Imali yekubhadala sekwedlule sikhatsi: 10% yelibhilanse lelidlulile.
Kubalulekile kuphawula kutsi akukho kucaciswa lokuphelele mayelana nemali yekucubungula noma yekubhadala kusenesikhatsi. Loku kungenta kutsi baboleki bafune imininingwane lephelele ngaphambi kwekuboleka.
Inqubo Yelucelo, Lubuchwepheshe kanye Nesimi Selawulo
I-myswiftloan itsembisa inqubo yelucelo lelula, ngenhloso yekunciphisa tincwadzi letifunwako kanye netintfo letidzingekako kute kube ngulula kubaboleki.
Inqubo Yelucelo kanye Netidzingo
Lucelo lwentiwa nge-website yabo, lephelele nasemabonini. Tidzingo letibalulekile letikhangisiwe tifaka: kukhokha i-ID yedijithali (ID/passport), bufakazi bemiholo, kanye nebufakazi bendawo yokuhlala. Kute kusho ngenqubo yokuqinisekisa ngesikhatsi lesifanele noma yeku-onboarding ngemuntfu.
Lubuchwepheshe kanye Nekusebenta Kwelusito Lwemakhasimende
I-myswiftloan ibonakala isebenta nge-website kuphela. Kute i-app yeselula etitolo te-iOS noma te-Android kufika ngaSeptemba 2025. Loku kwenta kutsi lula kwekusebentisa kwe-website kubaluleke kakhulu. Lusito lwemakhasimende lutsi luniketwa nge-email kanye ne-chat-widget, kodvwa kute inombolo yocingo noma emahhovisi ekusekela labonakalako.
Simi Selawulo kanye Nekuvikela Kwemakhasimende
Njengoba sekushiwo, kute bufakazi belayisensi ku-FSRA noma ku-CBE. Loku kuyingcuphe lephakeme kakhulu. Inkampani lengakalawulwa itenta kutsi ingavikeli baboleki ekuphatfweni lokungalungi, etimalini ezingekho ngemtsetfo, noma ekwehlulekeni kwekucatulula tingabadvu. Ngekungenwa ngaphandle kwelayisensi, kute umgcinimphakatsi wekuvikela lokuthandza umbhadalisi lelicinile. Yona i-myswiftloan itsi inemitsetfo yekuvikela imininingwane kanye ne-privacy policy, kodvwa kute inqubo lecacile yekucatulula tingabadvu noma ye-ombudsman lemayelana nekusebenta kwayo. Loku kubeka baboleki esimeni lesibucayi kakhulu uma kuvela tingabadvu noma tintfo letingahambi kahle.
Indzawo Emakethe, Bancintisani kanye Nesicwayiso Kubaboleki
I-myswiftloan iyangena emakethe lecaphelako yase-Eswatini. Bancintisani bayo bafaka tintfo letisunguliwe tekubolekisa imali njenge-Select Limited, imali mboleko yasebhanga levela ku-Eswatini Bank naku-Standard Bank, kanye nemikhiqito yetimali yeselula (njenge-e-Mali).
Kwehluka kanye Nesimo Sokuncintisana
Lelinkampani ihlose kwehluka ngekusho kutsi iniketa imali mboleko ngekushesha kanye netincwadzi letincane letidzingekako. Noko, kute bufakazi obusita letimangalo. Ngaphandle kwelayisensi, ingeke incintisane kahle netinkampani letisunguliwe letilawulwa yimitsetfo.
Buhlungu Benkhetfo kanye Nesicwayiso Esibalulekile Kubaboleki
Ngenxa yekutsi i-myswiftloan ibonakala ingenalo layisensi futsi kute lolwatisako lolukhona ngayo emphakatsini, lelinkampani itfwebula ingcuphe lephakeme kakhulu kubaboleki. Nasi sicwayiso lesisebentako kubo bonkhe labacabangela kuboleka ku-myswiftloan noma kunobe nguyiphi inkampani lengakabhaliswa:
- Qinisekisa Layisensi:
Ngaphambi kokufaka sicelo sanobe iyiphi imali mboleko, qinisekisa njalo kutsi inkampani ibhaliswe ngokusemtsetfweni neMphatfo Yemisebenti Yetimali (FSRA) noma i-Central Bank of Eswatini (CBE). Ungatsintsa ngqo lemitimba yelawulo kute ucinisekise. Kuboleka kulenkampani lengakabhaliswa kungakubeka engcupheni yekukhokhisa imali lephakeme, imigomo lelungile, kanye nekungavikeli kwemtsetfo.
- Funa Imininingwane Lephelele Yetimali:
Cela imininingwane lephelele mayelana nemali yetinsita, inzalo, i-APR lephelele, kanye nemigomo yekubhadala. Fundza ngalokuphelele zonkhe tigaba netimo (Terms & Conditions) ngaphambi kokusayina noma yini. Uma inkampani ingakufuni kuniketa lolwatisako, lelo liwuphawu lwekunakekela.
- Funa Kubuyeketa Kwemakhasimende:
Funa kubuyeketa kusuka kubanye baboleki. Ngisho noma i-myswiftloan ingenakubuyeketa lokutholakala emphakatsini, lenye inkampani lengakabhaliswa, uma inemibuyeketo leminyenti lemibi, kufanele uyigweme.
- Catanisa Nabancintisani Labasunguliwe:
Ngesikhatsi ucabanga kuboleka imali, catanisa tintfo letiniketwa yinkampani lekhombisa ingcuphe lephakeme netinkampani letisunguliwe, letilawulwa yimitsetfo njenge-Select Limited, Eswatini Bank, kanye ne-Standard Bank. Letinkampani tinelayisensi futsi tiboshwe yimitsetfo yekuphatfwa kwetimali.
- Ngaphambi kokuboleka, buza imibuto:
Kufanele uhlale ubuta imibuto mayelana nenkampani, imigomo yayo, kanye netinyatselo zayo tekuvikela imininingwane yakho kanye nelungelo lakho njengomboleki. Uma kute tincazelo leticacile, lokho kuyaphungata kwetsemba.
Ekugcineni, ngaphandle kokucaciswa lokuphelele kwemitsetfo kanye nekubhekwa, i-myswiftloan ikhombisa ingcuphe lephakeme kakhulu kubaboleki base-Eswatini. Kubalulekile kutsi wonkhe umuntfu lowakha sicelo abekele indlebe kakhulu futsi aholele ekuphepheni kwakhe kwetimali.
