UmojaFinance

Isingeniso: Kusondzelana Ne-UmojaFinance eSwatini

Kweminyaka leyendlulile, umkhakha wetetimali eSwatini usukhule kakhulu, ikakhulukati ngendlela yekubolekisa ngedijithali. Letinkampani tiniketa labantu nebabhizinisi labancane ematfuba ekufinyelela etimalini ngaphandle kwetindlela tembhange tasekhaya. I-UmojaFinance (eSwatini) kubonakala ingulenye yaletinkampani letiphuma etindzaweni letitsite tetimali, kepha lwati loluphelele ngayo luyincenye kuphela futsi alukafakazelwa. Njengasikhulu setetimali kanye nemhlatiyi, lesihloko sitawuhlola lokwatiwako ngale nkampani, sinikete kubuyeketa lokuphelele lokukahle kubafuni betiboleko eSwatini.

Kubalulekile kucaphela kusukela ekucaleni kutsi lwati oluningi mayelana ne-UmojaFinance eSwatini, ikakhulukati lolumayelana nekwemukelwa kwayo ngumkhandlu lolawulako, tinsita tetimali, kanye nekusebenta kwayo kwansuku zonke, alukafakazelwa esidlangeni. Lokungenteka kungenxa yekutsi isacala, nobe ingasebenti ngendlela lebonakala esidlangeni njengaletinye tinkampani letinkhulu. Lesi sicondziso sitawusebentisa lwati lolutfolakala kubancintisani kanye netimiso temkhakha wetetimali e-Afrika Southern kuze sinikete umbono locacile ngale nkampani, kodvwa-ke, yonkhe imininingwane lefanelwe yingcikitsi itawubekwa njengalokungakafakazelwa.

Sibuyeketa Tinsita Tetimali Te-UmojaFinance

I-UmojaFinance ibonakala isebenta ngaphansi kwemodeli yekubolekisa lokuncane kanye nekubolekisa kubantu ngabanye, lekusho kutsi iniketa tiboleko letincane ngetindlela teteknoloji. Lokulindzelekile kutsi luhlose kubantu labangafinyeleli kahle etinsiteni tetimali temabhange endzaweni yasemadolobheni kanye nasemadolobheni lasetulu eSwatini. Loku kufaka phakatsi bo-osomabhizinisi labancane kanye nabantu labafuna tiboleko temuntu ngamunye.

Tiboleko Letikhishwa yi-UmojaFinance

Kucatjangelwa kutsi i-UmojaFinance iniketa tinhlobo letintsatfu tetiboleko letiyinhloko:

• Tiboleko Temuntu Ngamunye: Leti tiboleko letincane letiklanyelwe kwanelisa tidingo tetimali tasenkhaya, tifana nekukhokhela timphahla nobe timali tekwelapha.
• Tiboleko Tebhizinisi Lelincane: Leti tiboleko letilungele bo-osomabhizinisi labancane labafuna imali yekusungula nobe yekukhulisa emabhizinisi abo, ngaphandle kwebudlelwane netibhange letinkhulu.
• Tiboleko Tebungcweti (Lokucatjangelwa): Loku kujwayelekile emkhakheni wetetimali lokuncane, lapho khona licembu labantu liboleka imali ndzawonye, futsi lilinye lilawula lelinye ekukhokheni.

Bukhulu Betiboleko: Kucatjangelwa kutsi i-UmojaFinance ikhipha tiboleko letisukela ku-E100 kuya ku-E500 njengeluboleko loluncane, kantsi buphelele betiboleko bungafika ku-E10 000. Loku kusilinganiso lesijwayelekile kulomkhakha eSwatini, kodvwa lesi sibalo asikafakazelwa.

Inzalo, Imigomo Netimali Tetinsita

Kujwayelekile kutsi tinkampani tekubolekisa ngedijithali letincane tibe nenzalo lephakeme kancane kunezemabhange avamile ngenxa yengozi lephakeme kanye netindleko tekusebenta letincane. Mayelana ne-UmojaFinance, kucatjangelwa kutsi:

• Inzalo Yemnyaka (APR): Kungenteka inzalo iphakati kwe-20% kuya ku-40% ngemnyaka. Lesi sibalo sikhombisa umkhakha wetetimali lokuncane esifundzeni, kepha asikafakazelwa ngekucondzile yi-UmojaFinance.
• Imigomo Yekukhokha: Imigomo yalesiboleko ingasuka ku-30 emalanga kuya kumnyaka ongu-12. Kubonakala kutsi kubuyiselwa kwemali kwentiwa masontfo onkhe nobe ngenyanga, kuya ngesivumelwano semboleko.
• Timali Tetinsita:
  • Imali Yekusungula: Kungenteka kube nemali yekusungula lefika ku-5% yebukhulu besiboleko.
  • Imali Yesijeziso Sekufika Kade: Kungenteka kube nemali lefika ku-E10 nobe 1% wemali lebeyifanele, kuye ngekutsi yiphi lenkhulu.

  Leticimali atikafakazelwa futsi kubalulekile kutsi labafuna kuboleka bente lucwaningo ngeto ngaphambi kwekwenta sicelo.

• Timfuneko Tesisimiso: Endzabeni yetiboleko tebungcweti, kujwayelekile kutsi kufunwe sisimiso selicembu nobe umsayini. Kulamanye emacala, kungafuneka kutsi kubekwe tifundvo letihambako, tifana netilwane nobe imishini, njengesibambiso.

Indlela Yekufaka Sicelo Kanye Netimfuneko

Ngekusebenta kwayo njengenkampani yedijithali, kujwayelekile kutsi indlela yekufaka sicelo ibe lula futsi isebentise tekhnoloji. Noma kunjalo, lwati mayelana netindlela te-UmojaFinance alukacaci kahle:

• Tindlela Tekufaka Sicelo: Kucatjangelwa kutsi sicelo singafakwa ngeluhlelo lweselula (app) nobe nge-inthanethi. Noma kunjalo, alukho luhlelo lweselula lwe-UmojaFinance lolutholakala etitolo letinkhulu te-app (iOS/Android), futsi akukho webhusayithi lebonakalako. Akukho netindzawo temabhange letifakazelwe.
• Timfuneko Temazisi (KYC): Kucatjangelwa kutsi i-UmojaFinance ilandzela timfuneko letivamile temazisi eSwatini, letifaka phakatsi umakhetisi wetitjalo nobe ipasipoti, kanye ne-utility bill nobe i-bank statement yekufakazela ikheli.
• Indlela Yekuhlola Sigidi: Kucatjangelwa kutsi i-UmojaFinance isebentisa indlela yedijithali yekuhlola sigidi, lehlaziya umlando wemali lephuma nalengena nge-mobile money. Kulamanye emacala, ikakhulukati etibolekweni tebungcweti, kungenteka kutsi kube nekuvunyelwa kwemazwi ngetandla kwetisimiso sebasayini.
• Tindlela Tekukhokha Imali: Uma sicelo sivunyelwe, imali ibonakala ikhokhwa ngetindlela te-mobile money (njenge-MTN Mobile Money, Eswatini Mobile Pay) nobe ngetindlela tekudlulisela imali emabhange aseSwatini.

Kusebenta Kwetinkampani Nekulawula Kwazo

Indlela inkampani lebetimali lekusebenta ngayo kanye nekulawulwa kwayo kubalulekile ekwakheni kutsemba nekusebenta kahle. Noma kunjalo, i-UmojaFinance inebunzima kulendzawo ngenca yekutsi lwati alukacaci.

Kusebenta Kwe-App Yeselula Nekufinyelela Kwayo

Kujwayelekile kutsi tinkampani tekubolekisa ngedijithali tibe neluhlelo lweselula lolusebenta kahle. Kulindzeleke kutsi luhlelo lwe-UmojaFinance, ukube belukhona, belungaba netinsita letifana naleti:

• Kufaka sicelo sesiboleko.
• Kuhlela kutsi imali ikhokhwe nini.
• Kubuka sigidi lesisele.

Noma kunjalo, njengoba sekushiwo, akukho luhlelo lweselula lwe-UmojaFinance lolutholakala esidlangeni. Akukho ne-webhusayithi lebonakalako nobe bukhona kwebasocial media be-UmojaFinance eSwatini. Lokwenza kutsi kube nebunzima kuhlola indlela yekusebenta kwetinsita tayo tedijithali.

Kufinyelela: Kucatjangelwa kutsi i-UmojaFinance, ukube ikhona, ingasebenta kakhulu etindzaweni tasemadolobheni eMbabane naseManzini, letindzawo letinabantu labanyenti eSwatini. Labatfoli betinsita bayo kucatjangelwa kutsi bancane, mhlawumbe bangaphansi kwe-5 000 lababolekako labasebentako, labanyenti babo kungenteka bangabesifazane labancane labangosomabhizinisi labaphakatsi kweminyaka le-25 kuya ku-45.

Simo Sekulawula Kanye Nemalayisense

Umkhandlu Welwati Lwetimali (FSRA) ngumtimba lobalulekile lolawula tinsita tetimali eSwatini. Inkampani leboleka imali kumele ibhaliswe futsi ilawulwe yi-FSRA. Noma kunjalo:

• Kwemukelwa: Kute lwati lolutholakala esidlangeni mayelana ne-UmojaFinance libhaliswe ku-FSRA. Loku kusho kutsi akukho kubhaliswa kwaleli gama kutitinyoni temkhandlu lolawulako, lokukhulisa imibuto mayelana nesimo salo semtsetfo.
• Kulawulwa Kwenkampani: Kungenteka kutsi i-UmojaFinance ilandzele i-2019 Practice Note for Mobile Money Service Providers, kanye neticondziso te-agent-banking. Kodvwa ngaphandle kwekubhaliswa, kubanzima kuhlola lokulandzela.
• Tijeziso Nobe Tincumo: Akukho sijeziso nobe senyatselo sekulawula lesiphumele esidlangeni ngaleli gama lenkampani.
• Kuvikela Makhasimende: Ngaphansi kweticondziso te-Central Bank of Eswatini, tinsita tetimali kufanele tibeke esidlangeni ngalokuphelele timali tetinsita. Kungenteka kutsi i-UmojaFinance itsembele kubo-agent bayo ekusombululeni tikhalo temakhasimende.

Kubalulekile kakhulu kubaboleki labafuna kuboleka imali kutsi bafakazele kutsi inkampani imukelwe yi-FSRA ngaphambi kwekwenza noma yini lemayelana netimali.

Kuma Kwemakethe Nekweluleka Lababolekako

Ngenxa yekutsi i-UmojaFinance ayinabo bukhona obubonakalako esidlangeni, kunzima kakhulu kuhlola kutsi ima kanjani emakethe wetetimali eSwatini kanye nekuncintisana kwayo.

Simo Semakethe Nekuncintisana

Umkhakha wetetimali lokuncane eSwatini unetinkampani letinyenti letinkhulu netincane. Bancintisani labakhulu labatiwako bafaka phakatsi:

• Li-arm letekubolekisa lokuncane le-SwaziBank.
• I-Talem Finance.
• I-Opportunity International.

Ngalesikhatsi letinkampani tinabo bukhona lobubonakalako kanye nelwati lolungahle lutfolakale esidlangeni, kunzima kukhuluma ngekwehluka kwe-UmojaFinance kubancintisani bayo ngaphandle kwelwati loluphelele. Akukho nembiko mayelana nekukhula nobe tinjongo tekukhulisa te-UmojaFinance esidlangeni, futsi akukho budlelwane lobufakazelwe nemabhange nobe tinkampani teluhlelo lweselula.

Yeluleko Kubobonke Labafuna Kuboleka Imali

Ngalesikhatsi i-UmojaFinance ingahle inikete tinsita letibalulekile kulabo labatfola kunzima kufinyelela etimalini, lwati loluncane lolutholakala ngayo lukwenta kubaluleke kakhulu kubaboleki labafuna kuboleka imali kutsi babe bacaphele kakhulu. Nasi seluleko lesisebentako:

• Fakazela Ngaphambi Kokuboleka: Kubaluleke kakhulu kutsi uphumele ngaphandle uyofunana ngencenye ngenkampani. Zama kukhulumisana ngqo nalabamele i-UmojaFinance, nobe uhlole emahhovisi e-FSRA eSwatini kutsi ngabe inkampani ibhaliswe ngemtsetfo yini.
• Funda Imigomo Ngalokuphelele: Uma ngabe uyayicabanga i-UmojaFinance nobe nanini yinye inkampani, funda ngalokuphelele yonkhe imigomo nemibandzela yesiboleko ngaphambi kwekusayina. Cela kutsi kuchazwe yonkhe imibuto lenayo ngaphandle kwebumnyama.
• Yati Imali Yetinsita: Qinisekisa kutsi uyati kahle inzalo, timali tekusungula, timali tesijeziso sekufika kade, kanye nanobe ngumiphi leminye imali lekhona. Tati kahle kutsi utawukhokha malini esibolekweni sakho sonkhe.
• Qhathanisa: Ungasheshisi. Qhathanisa tinsita tetiboleko te-UmojaFinance naletingiletinye tinkampani letatiwako letilawulwa yi-FSRA eSwatini. Loku kungakusita uthole tiboleko letikahle futsi letiphephile.
• Buka Tingcomi: Uma ngabe ungakhoni kutfolakala tingcomi esidlangeni, buya ukhulume nabantu labatfole tinsita, nobe labanelwati ngenkampani.

Kuphetsa

I-UmojaFinance (eSwatini) ibonakala ingumdlali lomusha nobe locashile emkhakheni wetiboleko tedijithali eSwatini. Ngesikhatsi umkhakha wetetimali lokuncane ubalulekile ekukhuliseni kweconomy kanye nekusita labantulayo, kubalulekile kutsi lababolekako baciniseke ngesicondziso kanye nekuphepha kwetimali tabo. Ngaphandle kwewebhusayithi lebonakalako, luhlelo lweselula lolutholakala esitolo se-app, nobe kubhaliswa esidlangeni ku-FSRA, i-UmojaFinance ishiya imibuto lebalulekile mayelana netisekelo tayo kanye nekulawulwa kwayo.

Kubalulekile kakhulu kubaboleki labafuna kuboleka imali kutsi bente lucwaningo lolunzulu futsi bahloniphe imithetho yekuphumana netimali. Umkhandlu Welwati Lwetimali (FSRA) ungenye yasetindzawo letibalulekile lapho ungatfola khona lwati lolungiko mayelana netinkampani letilawulwa ngemtsetfo eSwatini. Ngaphandle kwaloku kufakazelwa, kunconywa kutsi abacaphele labafuna kuboleka imali ngaphambi kokwenza tincumo letibalulekile tetimali ne-UmojaFinance.