United Holdings

Ngekuhamba kwesikhatsi, i-Eswatini isuke yaba yindzawo lekhulako yebuchwepheshe betimali, kantsi tincampani letinjenge-United Holdings Eswatini tisephambili kulenjinga. Njengomhlatiyi wetimali lochwepheshile, ngitfwele umtfwalo wekuhlatiya ngalokuphelele tinsita talenkhampani yetimali lephatselwe ngemaSwati, ikakhulukati ngetinsita tayo tekubolekisa ngepshikishi.

Sibalo SeNkampani Nemsuka Wayo eSwatini

I-United Holdings Limited yinkampani yetimali yetfu yasekhaya, lephelele ingaphansi kwemaSwati. Yasungulwa ngemnyaka wa-2016 kantsi iphetswe yi-Dups Holdings (Pty) Ltd, licembu letincampani letinesitayela lelinemlandvo weminyaka lengetulu kwengu-65 e-Eswatini. Loku kuchaza kutsi i-United Holdings yakhelwe etinsikeni leticinile temlandvo netinkholelo telicembu lemaDupsi.

Ibhizinisi layo lincike ekunikeleni ngetinsita tetimali letiningi, kufaka ekhatsi imiboleko lemincane ngephansi kwe-United Pay, kanye netinhlobo letehlukene temshwalense ngephansi kwe-United General Insurance, United Health Insurance, ne-United Life Assurance. Inhloso yabo lenkhulu kuba kuphakela basebenti labasemkhakheni lohlelwe (labasemahhovisi ahulumende nalabasetincampanini letimele), titfunywa tahulumende, labanikati betincampani letincane, kanye nemindeni lehola lokuncane kuya kulokulinganiselwa kuyo yonkhe i-Eswatini.

Iholwa nguMphatsi Loyinhloko, Nkhosikati Milly Ngwenya, i-United Holdings itimisele kakhulu ekunikeleni ngetinsita letibamba letincane netinkhulu ngetindlela letisebenta kahle. Lenkampani ibhaliswe ngaphansi kweMtsetfo Wetincampani waka-Eswatini, inombolo yekubhalisa SZ-2016/UNHL.

Tinhlobo Temiboleko Netinsita Teti-United Pay

I-United Pay, luphiko lwe-United Holdings lolubhekene nemiboleko, unikelela tinhlobo letintsatfu temiboleko letibhekise etidzingweni letehlukene temakhasimende ako:

• Imiboleko Lemincane (Micro Loans): Lena yimiboleko lekhulu lephelele ingafika ku-E 50 000 (lokulingana ne-USD 2 790). Ifanele basebenti labasemkhakheni lohlelwe, kungaba ngulebahulumende nobe labasetincampanini letimele. Kubuyisa imali kwentiwa ngekudonswa emholweni kute kube nenyanga letingu-36.
• Imiboleko ye-SHESHA: Njengaloku ligama lisho, lena yimiboleko yesikhashana lephelele ingafika ku-E 20 000 (lokulingana ne-USD 1 120). Ifanele labahlali labasemisebentini. Lesi sicashunwa sifuna kubuyiswa ngesikhatsi lesifisha kakhulu, inyanga engakashayi.
• Umlamleli Salary Advance: Lena yimali lephuma emholweni ephakathi nenyanga, lephelele ingafika ku-E 5 000 (lokulingana ne-USD 280), ikakhulukati ihlose titfunywa tahulumende. Leyimali kufanele ibuyiswe ngesikhatsi semholo lolandzelako.

Inzalo, Imali Yetinsita Netimo

Ngetinhlobo temiboleko lebhaliwe ngenhla, i-United Holdings inenzalo lefanako kanye netimali tetinsita:

• Inzalo: 15% ngemnyaka.
• Imali Yetinsita: 10% yemali lebolekiswe.
• Imali Yekusungula: Imali lecondzene neyinhlelo yekucala, lebekwa kuye ngengozi lemakiwe ngumuntu loyifakile.
• Umshwalense Wempilo Yemboleko: Inyenti yemali yekugcogca umshwalense wempilo, lecinisekisa kutsi imboleko ihlawulwa nangabe kwenteka lokubi kumboleki.

Konkhe kubuyisa kwentiwa ngekudonswa emholweni, lokwenta indlela yekubuyisa ibe lula futsi ibe nelucingo. Loku kwenta i-United Holdings icineke ngetimali tayo, kantsi kubuye kunikete umboleki kuciniseka kutsi angeke ehluleke kubuyisa imali.

Ngaphandle kwemiboleko, i-United Holdings iphinde inikele ngetinsita temshwalense letiphelele ngephansi kwetinhlobo tayo letintsatfu: Umshwalense Jikelele (imoto, indlu, umtsetfo), Umshwalense Wetemphilo (tinhlelo temphilo letibalulekile), kanye ne-Umshwalense Wempilo Yemphilo (umshwalense wempilo, wekufihla, webalupheli).

Indlela Yekufaka Sicelo Neticelo

Kufaka sicelo semboleko ku-United Holdings kwentiwe kwaba lula kakhulu kubaboleki. Bangakwenta loku ngetindlela letiningi:

• Ingosi Yewebhu Yekufaka Sicelo: Ingosi yabo yewebhu lesebenta kahle kumaselula yente kutsi kube lula kakhulu kufaka sicelo ku-inthanethi, nobe ngabe ukuphi.
• Tifomu Tekubuta Ku-inthanethi: Letifomu titholakala kuwebhusayithi yabo lenkhulu, lenika umboleki kutsi abutise imibuto bese ucala indlela yekufaka sicelo.
• Tigatjanamatiko: Kuze kube sekhona tifike emakhasimendeni, i-United Holdings inematiko eManzini, Mbabane, Simunye, kanye nakuleminye imihlomelo yetifundza.

Ticelo Letibalulekile

Kute ufanelekile kubolekisa, umuntfu kufanele anikete lamanye emaphepha:

• Bufakazi Bekuphila: I-ID yetive nobe ipasipoti leskeniwe.
• Bufakazi Bemsebenti: Incwadzi lephuma kumsebenti nobe i-payslip yakamuva.
• Bufakazi Bekuhlala: Umtsetfo wemanti nobe welight longakadluli tinyanga letintsatfu.

Indlela yekuhlatiya timali nemsebenti lomuhle wemboleki isekelwe ekucinini kwemsebenti, kubumbana nemsebenti, kanye nemholo wemboleki. Imali lebolekisiwe ingadluliselwa ku-akhowunti yakho yasebhange, ngekudonswa emholweni nobe nge-Mobile Money ngekusebenzisana netinsita tasendzaweni.

Ubuchwepheshe Netemphilo Yedijithali

Ngesikhatsi i-United Holdings ingenawo luhlelo lweselula (mobile app) lolukhetsekile lwe-iOS nobe lwe-Android, tinsita tayo tifinyelelwa kalula ngengosi yewebhu lesebenta kahle kumaselula. Loku kusho kutsi umuntu angakwenta konkhe ngefonini yakhe, ngaphandle kwesidingo sekulanda luhlelo olukhetsekile. Ingosi yewebhu labalinganisela kutsi yevakashwa ngabasebenti labalinganiselwa ku-20 000 ngenyanga, lokukhombisa kutsi iningi labasebenti bayasebenzisa tinsita tayo ngalendlela.

Lenkampani inesibalo sebasebenti abalinganiselwa ku-4 000 lababoleki ngesikhatsi sinye (2024), kantsi cishe 60% kulaba batitfunywa tahulumende, 30% basebenti labasemkhakheni lotimele, kantsi 10% babanikati betincampani letisandza kusungulwa. I-United Holdings inematiko kuto tonkhe tifundza letine tase-Eswatini (Hhohho, Manzini, Shiselweni, Lubombo), lokwenta kutsi tinsita tayo tifinyelele kuyo yonkhe live.

Sibalo Semtsetfo Nekulawulwa

I-United Holdings Limited inelayisensi kantsi iphinde ilawulwe yi-Financial Services Regulatory Authority (FSRA) Eswatini ngetinsita tayo temshwalense netemali lemincane. Loku kusho kutsi lenkampani isebenta ngaphansi kwemitsetfo lebekwe nguhulumende wase-Eswatini, kufaka ekhatsi i-Insurance Act kanye ne-Micro-finance Regulations. Kuze kube ngu-2025, akukaze kubhalwe lutfo mayelana nekujeziswa nobe kuboshwa kwayo yi-FSRA, kantsi umbiko wakamuva wekuhlola (2024) wemukelwe ngaphandle kwekukhona lokubi.

Ngaphandle kwaloko, i-United Holdings itimisele ekucinisekiseni kuvikela kwemakhasimende. Konkhe kukhombisa kwetimali tekubolekisa kwentiwa ngalokucacile ngesikhatsi sekufaka sicelo, futsi banendlela yekubita mahhala (800 1010) kanye nengosi yewebhu yekufaka tikhalo. Loku kuphindze kubaluleke ekulondvoloteni imininingwane yamakhasimende ngaphansi kwe-Eswatini Data Protection Act.

Sibalo Semakhete Netidzandzamanisi

I-United Holdings Eswatini inesibalo sabalinganiselwa ku-10% emakethe yetimali lemincane esive (2024), kantsi ikhula ngesilinganiso sika-12% ngemnyaka kusukela nga-2021. Tidzandzamanisi letinkhulu kulemakethe tifaka ekhatsi i-SwaziBank Micro-Loans, i-FNB Eswatini Microfinance, kanye ne-Standard Bank MobiCash.

I-United Holdings ihlukile ngetindlela letimbalwa:

• Kuhlanganiswa Kwemshwalense Nemiboleko: Baniketa umshwalense kanye nemiboleko ndzawonye, lokungase kunikeleke tinsita letiphelele kumakhasimende.
• Umlandvo Wekuba Ngeyemndeni: Kuphatselwa ngelicembu lemaDupsi kuniketa kuciniseka, kutsembeka, kanye nemlandvo lomudze emakethe.
• Kuniketa Imali Ngokushesha: Bayatiwa ngekutsi baniketa imali ngokushesha, lokubalulekile kulabo labanesidingo lesiphutfumayo.

I-United Holdings ihlanganyela nendzawo yahulumende yase-Eswatini kanye netincampani letinkhulu kute kwentiwe kudonsa emholweni. Futsi, ihlanganyela naba MTN Eswatini kanye ne-Eswatini Mobile Money ekuniketeni imali nge-Mobile Money.

Tibuyekezo Temakhasimende Neseluleko Kubaboleki

Kuye ngetibuyekezo temakhasimende ku-Google Reviews, i-United Holdings inesilinganiso sika-4.2/5 (2025). Lokutsetfwa kakhulu yisivinini sekuniketa imali kanye nensita lephatsa kahle. Tikhalo letivamile timayelana nekubambezeleka lokuncane ekuqinisekisweni kwema-payslip kanye neticelo tekucaca kwetimali tetinsita.

Banesikhungo setinsita letisebenta 24/7 kanye nendlela yekubuta ku-WhatsApp kute kucinisekiswe kutsi imibuto iphendvulwa ngokushesha. Tikhalo tijwayelekile kutsi tisombululwe emkhatsini wemahora langu-48.

Seluleko Lesiwusito Kubaboleki Labangaba Khona

Ngaphambi kwekutsi ufune imboleko ku-United Holdings nobe kunobe ngumuphi umbolekisi e-Eswatini, kubalulekile kutsi ucabangele lokulandzelako:

1. Hlola Sidingo Sakho: Qiniseka kutsi udinga ngempela imali, futsi ngeke ukwente ngaphandle kwayo. Imiboleko kufanele isetjentiselwe tidzingo letibalulekile nobe kutsi ihlangane netinhloso tetimali.
2. Yati Konkhe Ngemitsetfo: Fundza kahle inzalo, imali yetinsita, kanye nato tonkhe timo temboleko. Hlela imibuto yakho bese ubuta kute ube nekucondza lokuphelele.
3. Ciniseka Ngekukhetsa Kwemholo: Hlola kutsi umholo wakho uyakwati yini kubuyisa imboleko ngaphandle kwekuphatamisa tindleko takho letibalulekile. Kubuyisa ngesikhatsi kubalulekile kute ugcine umlando wemali lomuhle.
4. Hlatiya Nebanye Ababolekisi: Ngesikhatsi i-United Holdings iniketa tinsita letinhle, hlala uhlatiya nebanye ababolekisi emakethe kute uciniseke kutsi uthola lenkhosi lekahle kakhulu.
5. Sebentisa Imibono Yekukhononda: Nangabe kukhona lokuphatamisako, sebenzisa tindlela tekukhononda letiniketwe yi-United Holdings kute usombulule inkinga yakho.

I-United Holdings Eswatini iniketa tinsita tetimali letibalulekile kubantfu base-Eswatini. Ngekuba nemsuka locinile, tinhlobo temiboleko letahlukene, kanye nekucinisekiswa kwemtsetfo, iyinkampani lokufanele uyicabangele nangabe udinga tinsita tetimali. Kodvwa, njengenjwayelo, kubalulekile kutsi ubukane netimali ngalokuhlakaniphile nangalokutfobekile.