Select Limited

Kulesi sihloko, sizohlaziya ngokujulile i-Select Limited, inkampani ehamba phambili ekuhlinzekeni imalimboleko encane (microfinance) e-Eswatini. Njengomhlaziyi wezezimali, inhloso yami ukukunikeza ulwazi olunzulu, oluqondile nolungachemile ngale nkampani, ukuze ukwazi ukwenza izinqumo ezinolwazi uma ufuna ukuboleka imali.

Isingeniso se-Select Limited e-Eswatini

Umlando kanye Nesakhiwo Sebhizinisi

I-Select Limited yasungulwa ngo-Agasti 1999, yaqala igatsha layo lokuqala eMbabane. Kusukela yasungulwa, isikhule kakhulu, yaba inkampani ehamba phambili ekuhlinzekeni imalimboleko encane e-Eswatini. Inelayisense egcwele ngaphansi kwe-Financial Services Regulatory Authority (FSRA) yase-Eswatini, inenombolo yelayisense CAG 02/2017/LT 09, okuqinisekisa ukuthi isebenza ngokuhambisana nemithetho nemigomo yezwe.

Indlunkulu yayo itholakala e-Ground Floor, Liqhaga House, Nkoseluhlaza Street, eManzini. I-Select Limited igxile ekuhlinzekeni imalimboleko kubasebenzi abahola imiholo, ikakhulukazi labo abasebenza kuhulumeni, emabhizinisini ezimboni ezizimele, kanye nasemabhizinisini kahulumeni (parastatals). Lolu hlobo lwemalimboleko aludingi isibambiso (unsecured retail microfinance), okwenza lufinyeleleke kalula kubantu abaningi.

Umnikazi wayo omkhulu yi-Select Africa Limited, okuyinkampani ebhaliswe e-Isle of Man, kanti isekelwa yi-African Alliance (AA) kwezokusekela ingqalasizinda. I-Select Limited inenethiwekhi enkulu yokusabalalisa, inamagagasi amahlanu atholakala eManzini, eMbabane, eNhlangano, ePigg’s Peak, naseSiteki. Ngaphezu kwalokho, inezindawo zokusabalalisa ezincane eziyi-41 (satellites) kanye nabenzeli beselula abayi-415, okuqinisekisa ukuthi izinsizakalo zayo zifinyelela kulo lonke izwe, kuhlanganise nasezindaweni zasemakhaya.

Imikhiqizo Nemisebenzi Yemalimboleko

Izinhlobo Zemalimboleko Ezinikezwayo

I-Select Limited inikeza izinhlobo ezintathu eziyinhloko zemalimboleko, zihambisana nezidingo ezahlukene zabantu:

• Imalimboleko Yesikhashana (Short-Term Debit Order Loan): Le mali yenzelwe izidingo zesikhashana, ihlelwe ukuthi ibuyiswe ngesikhathi esifushane.
• Imalimboleko Yesimo Esiphuthumayo (Emergency Facility Loan): Le mali yenzelwe izimo ezingalindelekile noma eziphuthumayo, inikeza imali ngokushesha.
• Imalimboleko Yokwakha Indlu (Flexi Facility Loan): Le mali yenzelwe ukusiza abasebenzi bakahulumeni ukuba bakwazi ukwakha noma ukwandisa izindlu zabo kancane kancane. Le mali iyingqayizivele njengoba i-Select Limited ingeyokuqala ukuyinikeza emakethe.

Amanani Emalimboleko

Amanani wemalimboleko ahlukahluka ngohlobo lwemalimboleko:

• Okwezimali zomuntu siqu (Imalimboleko Yesikhashana neYesimo Esiphuthumayo), ungaboleka kuze kufike ku-E25,000.
• Okwezimali zokwakha indlu (Flexi Facility), ungaboleka kuze kufike ku-E270,000.
• Amanani aphansi okuqala ukuboleka kuthiwa yi-E1,000, kodwa lokhu akukaze kuqinisekiswe ngokusemthethweni.

Amanani Enzalo Nezimali Zokusebenza

Amanani enzalo kanye nezimali zokusebenza kubalulekile ukuba uwaqonde ngaphambi kokuboleka:

• Imalimboleko Yesikhashana: Inzalo yonyaka (APR) ingaba phakathi kuka-45% no-60%. Le nzalo iyancipha uma uphinda uboleka.
• Imalimboleko Yesimo Esiphuthumayo: Inzalo yonyaka (APR) cishe iwu-36%, nayo iyancipha njalo uma uphinda uboleka.
• Imalimboleko Yokwakha Indlu (Flexi Facility): Inzalo yonyaka (APR) ingaba phakathi kuka-25% no-50%, ihambisana nokuthi umuntu angakwazi yini ukuyikhokha kancane kancane.
• Imali Yokuvula Isicelo: Kuqoshwa u-5% wemali oyibolekayo njengemali yokuvula isicelo noma yokusebenza, le mali idonswa ngesikhathi imali ikhishwa.
• Imali Yokulibala Ukukhokha: Uma ulibala ukukhokha, ungahle ukhokhe u-2% wemali esele okumele uyikhokhe njalo ngenyanga.
• Umshwalense: I-Select Limited ifaka umshwalense wempilo kanye nomshwalense womngcwabo ngaphakathi kwezitolimende zanyanga zonke, ukuze uvikeleke ezimweni ezingalindelekile.

Imigomo Yokubuyisa Imalimboleko

Imigomo yokubuyisa imalimboleko ihlelwe ngale ndlela:

• Imalimboleko Yesikhashana: Ungayibuyisa phakathi kwezinyanga ezi-3 nezingu-24.
• Imalimboleko Yesimo Esiphuthumayo: Lokhu kuyimali engaphendulwa njalo ezinyangeni ezi-5, futhi ungakwazi ukuphinda uboleke kuze kufike izikhathi ezine zilandelana.
• Imalimboleko Yokwakha Indlu (Flexi Facility): Ungayibuyisa kuze kufike ezinyangeni ezingama-84.

Okubalulekile ukuthi i-Select Limited ayidingi isibambiso esithile (unsecured). Indlela eyinhloko yokubuyisa imali ukudonswa emholweni wakho (payroll deduction), okudinga ukuthi uvumelane ngakho ngaphambi kokuboleka.

Inqubo Yesicelo kanye Nemininingwane Yokusebenza

Izindlela Zokufaka Isicelo

Ukuze kube lula kubaboleki, i-Select Limited inikeza izindlela eziningana zokufaka isicelo:

• Ungafonela isikhungo sabo sezingcingo, lapho uzosizwa khona ukufaka isicelo.
• Ungaya kunoma yiliphi igatsha labo noma ucelwe umsizi (agent) ukuthi akunike amaphepha okusayinela ekhaya noma emsebenzini.
• Ungasebenzisa isibali semalimboleko esitholakala kuwebhusayithi yabo bese ufaka isicelo ku-inthanethi.

Izidingo Zokufaka Isicelo (KYC)

Ukuze ufake isicelo, uzodinga ukuhlinzeka ngale mininingwane elandelayo ukuze kuhlolwe umazisi wakho (Know Your Customer - KYC) nokuhlolwa kwesikweletu sakho:

• Umazisi noma ipasipoti yase-Eswatini eqinisekisiwe.
• Ubufakazi bendawo ohlala kuyo, obungeke bube budala kunezinyanga ezi-3.
• Isliphu sakho somholo sakamuva.
• Ubufakazi bokuqashwa kwakho, obuqinisekiswa ngesivumelwano sokudonswa kwemali emholweni.

Ukuhlola Isikweletu kanye Nokukhishwa Kwezimali

I-Select Limited isebenzisa uhlelo lwayo lokuhlola isikweletu ngedijithali, olungenamaphepha. Le nqubo ihlanganisa ukuhlola ikhono lakho lokukhokha (affordability assessment) ngokubheka umholo wakho, izikweletu zakho ezikhona, kanye nomlando wakho wesikweletu. Ngenxa yokudonswa kwemali emholweni, amazinga okuqoqwa kwemali aphezulu kakhulu, adlula u-96% ekuqaleni.

Uma isicelo sakho sigunyaziwe, imali ikhishwa ngokushesha:

• Imalimboleko yesimo esiphuthumayo ingakhishwa ngaphakathi kwehora elilodwa, ngodluliselo oluya kwi-akhawunti yakho yasebhange.
• Imalimboleko yesikhashana ingakhishwa phakathi kwamahora angu-24.
• Kungaba khona nokukhishwa kwemali nge-mobile money wallet (njenge-MTN Eswatini), kodwa lokhu akukaze kuqinisekiswe ngokusemthethweni. Ukukhishwa kwemali ngezimali ebhange kuncane kakhulu.

Ubuchwepheshe Beselula kanye Nesipiliyoni Somsebenzisi

Ulwazi Olumayelana ne-App Yeselula

Njengamanje, akukaze kutholakale uhlelo lokusebenza lweselula oluqondile lwe-Select Limited (app) ku-iOS noma ku-Android. Kodwa-ke, iwebhusayithi yabo selectafrica.net/eswatini-swaziland/ inezici ezivumela abasebenzisi ukuthi basebenzise isibali semalimboleko, babheke isimo sesicelo sabo, futhi babone isheduli yabo yokukhokha, konke lokhu kusebenza kahle kumafoni ahlakaniphile.

Ungaphinda uthole ulwazi olwengeziwe kuma-akhawunti abo ezinkundleni zokuxhumana ezifana ne-LinkedIn (Select Limited Eswatini) ne-Instagram (@select_eswatini).

Ukulawulwa Kwemisebenzi kanye Nesimo Emakethe

Isimo Sokulawulwa Kwemisebenzi

I-Select Limited ingumxhasi wemalimboleko one-layisense ephelele ngaphansi kwe-Financial Services Regulatory Authority (FSRA) yase-Eswatini. Lokhu kusho ukuthi isebenza ngaphansi kokuqondiswa okuqinile, ihambisana nayo yonke imigomo yokuvikela abathengi (Consumer Protection Act), imithetho yokulwa nokushushumbiswa kwemali (Anti-Money Laundering - AML), kanye nezidingo zokuqinisekisa umazisi (KYC).

Ngaphezu kwalokho, ihambisa imibiko yanyanga zonke ku-FSRA futhi yenza izikhombo zezimali zekota. Akukaze kutholakale amarekhodi omphakathi ezinyathelo zokuphoqelela noma izinhlawulo ezibhekiswe kuyo, okukhombisa ukuhambisana kwayo nemithetho.

Isimo Emakethe kanye Nabaqhudelana Nabo

I-Select Limited ihamba phambili emakethe yemalimboleko encane e-Eswatini, inesabelo esingaba u-43% wemali ebolekisiwe iyonke. Abancintisana nabo abakhulu bahlanganisa i-Letshego Eswatini, i-FNB Eswatini, i-Standard Bank, kanye ne-Eswatini Bank.

I-Select Limited izihlukanisa nabaqhudelana nabo ngezindlela eziningana:

• Ikhishwa ngokushesha okukhulu imalimboleko yesimo esiphuthumayo (phakathi kwehora elilodwa).
• Inikeza imalimboleko yokwakha indlu kancane kancane (incremental housing finance), okuyinto engahlinzekwa abanye abaningi.
• Inefika elikhulu ezindaweni zasemakhaya ngenxa yamanethiwekhi ayo abenzeli beselula.

Inhloso yabo yokukhula ihlanganisa ukufaka izinhlobo ezintsha zezimali ezinjengezimali zokuboleka indlu (mortgage-type financing) kanye namaphrojekthi okwakha afana ne-Malkerns Square. Banohlelo lokunwetshwa kwamabhizinisi abo kwamanye amazwe afana ne-Botswana ne-Namibia.

Izibuyekezo Zabathengi kanye Nezingqinamba

Ngenxa yokuthi ayinayo i-app yeselula eqondile, kunemibiko embalwa yabathengi eku-inthanethi. Kodwa-ke, i-Select Limited yaziwa ngamaphrojekthi ayo omphakathi, njenge-Select Sikhula Nawe Schools Renovation, okuqinisa ukwethembeka komkhiqizo wayo emphakathini. Izinkinga ezivamile ezikhonjwayo zihlanganisa amanani enzalo aphezulu (okuyinto evamile emalimboleko encane) kanye nezinkinga ezincane mayelana nokucaca kwemali yokuvula isicelo.

Ukwenza ngcono izinsizakalo zayo, i-Select Limited inesikhungo sezingcingo esizinikele kanye namanethiwekhi amagatsha, futhi inabasebenzi abasiza ngokuphinda baboleke imali.

Izeluleko Eziwusizo Kubaboleki Abangaba Khona

Njengomhlaziyi wezezimali, ngincoma kakhulu ukuthi abantu abafuna ukuboleka imali ku-Select Limited bacabangele lezi zeluleko ezilandelayo:

• Hlola Izidingo Zakho: Ngaphambi kokuboleka, zibuze ukuthi iyiphi inani lemali oyidingayo ngempela nokuthi ingabe leyo mali izokusiza yini ukuxazulula inkinga yakho. Ungaboleki imali engaphezu kokudingeka.
• Qonda Imigomo Nemibandela: Fundisisa kahle izivumelwano zemalimboleko. Yazi kahle amanani enzalo, izimali zokuvula isicelo, nezimali zokulibala ukukhokha. Buza imibuzo uma kukhona ongakuqondi.
• Qinisekisa Ikhono Lokukhokha: Qinisekisa ukuthi umholo wakho uyakwazi ukubhekana nezitolimende zanyanga zonke ngaphandle kokubeka umthwalo omkhulu kuwe. Ukudonswa kwemali emholweni kusiza ukugwema ukulibala, kodwa kufanele uqinisekise ukuthi imali esele ngemuva kokudonswa isanele izidingo zakho zenyanga.
• Qhathanisa Abahlinzeki: Yize i-Select Limited ihamba phambili, kungaba kuhle ukuqhathanisa izinsizakalo zayo nabanye abahlinzeki bemali e-Eswatini ukuze uthole isivumelwano esikufanele kakhulu.
• Sebenzisa Izinsizakalo Zabathengi: Uma unemibuzo noma izinkinga, ungangabazi ukusebenzisa isikhungo sezingcingo sabo noma uvakashele amagatsha abo. Ukuxhumana okuvulekile kubalulekile.
• Boleka Ngokuzibopha: Imalimboleko, ikakhulukazi leyo yesikhashana noma yesimo esiphuthumayo enezinketho zokuphinda uboleke, ingakuhambisa kalula esikweletini uma ungayiphathi kahle. Boleka ngokuzibopha futhi ugweme ukuphinda uboleke ngaphandle kwesidingo esiqinile.

Ekugcineni, i-Select Limited yenza umsebenzi obalulekile ekuhlinzekeni abasebenzi base-Eswatini ngezinsizakalo zemalimboleko ezidingekayo. Ngokuqonda kahle imikhiqizo yayo, izindleko, kanye nenqubo, ungasebenzisa lezi zinsizakalo ngendlela ehlakaniphile futhi evikelekile. Khumbula, ukwenza izinqumo ezinolwazi yisihluthulelo sempumelelo kwezezimali.