ZibuCredit

Ingcaphuno Yenkonzo YakwaZibuCredit Nengemuva Layonke Inkampani

Njengoba umhlaba wezezimali uqhubeka nokuguquka, iZibuCredit isungule indlela entsha yokuboleka imali e-Eswatini. Le nkampani isebenza ngokuyinhloko ngobuchwepheshe beselula, okwenza kube lula ngabantu nezinkampani ezincane ukuthola usizo lwezezimali ngokushesha nangempumelelo.

Nakuba kunemininingwane embalwa ephume obala ngeZibuCredit, izinkomba zikhombisa ukuthi ingase yasungulwa phakathi kuka-2023 no-2024. Le nkampani iphethwe ngabantu abazimele, kepha abasunguli nabatshalizimali abakaziwa ngokusobala. Indlela yayo yokusebenza igxile ekunikezeni imalimboleko yesikhathi esifushane, engadingi sibambiso. Inhloso yabo enkulu ukufinyelela abantu abaholayo, abathengisi abancane, kanye nabaninimabhizinisi amancane kulo lonke elaseSwatini.

Kubalulekile ukwazi ukuthi ulwazi oluningi olumayelana neZibuCredit alukakaqinisekiswa ngokusobala ngenxa yokuntuleka kwemininingwane esemthethweni ephume obala. Noma kunjalo, le ngcaphuno ihlose ukunikeza umbono ophelele ngalokho okwaziwayo ngale nkampani.

Imikhiqizo Nemisebenzi Yemalimboleko

IZibuCredit inikezela ngemikhiqizo emibili eyinhloko yemalimboleko, edizayinwe ukuze ihlangabezane nezidingo ezahlukene zamakhasimende ayo:

• Imalimboleko Yomuntu Siqu: Le mali mboleko ihloselwe abantu abaholayo abadinga imali yesikhathi esifushane. Imali engabolekwa isukela ku-100 kuye ku-20,000 emalangeni, noma okulingana no-$5 kuye ku-$1,000 wamadola aseMelika. (Lolu lwazi luyisilinganiso futhi alukakaqinisekiswa.)
• Imalimboleko Yemibhizinisi Emincane: Lezi mali mboleko zihloselwe abanikazi bamabhizinisi amancane kanye nabathengisi abancane abadinga imali yokuthuthukisa amabhizinisi abo. Imali engabolekwa isukela ku-200 kuye ku-50,000 emalangeni, noma okulingana no-$10 kuye ku-$2,500 wamadola aseMelika. (Lolu lwazi luyisilinganiso futhi alukakaqinisekiswa.)

Izinkokhelo Zenzalo, Izindleko Nemibandela

Ngokuphathelene nezinkokhelo zenzalo kanye nezindleko, iZibuCredit isebenzisa imibandela elinganiswa ngale ndlela:

• Izinkokhelo Zenzalo (Izinga Lonyaka Lenzalo, noma APR): Kulinganiselwa ukuthi inani lenzalo liyaphakama, lisuka ku-5% kuye ku-15% ngenyanga. Lokhu kusho ukuthi izinga lenzalo lonyaka lingasuka ku-60% liye ku-180%. (Lawa amanani angalinganiselwa, avela ezinkampanini ezifanayo esifundeni, futhi awukakaqinisekiswa ngokusobala.)
• Imibandela Yokukhokha: Isikhathi sokukhokha imalimboleko sisukela ezinsukwini eziyi-7 kuye kwezingama-30. Kungenzeka ukuthi imalimboleko ingavuselelwa.
• Izindleko:
  • Imali Yokuvula Imalimboleko: Kuphakanyiswa ukuthi kukhokhelwa u-2% wemali ebolekwe.
  • Imali Yokucubungula Isicelo: Kukhokhelwa u-50 Lilangeni elilinganiselwe.
  • Imali Yokulibala Ukukhokha: Kukhokhelwa u-100 Lilangeni ngosuku ngalunye oludlulile.
  (Zonke lezi zindleko ziyizilinganiso futhi azikakaqinisekiswa.)
• Isibambiso: Imalimboleko engezansi kuka-10,000 Emalangeni ayidingi sibambiso. Lokhu kusho ukuthi imalimboleko inikezwa ngaphandle kokudinga impahla ethile ukuze ibambelele.

Inqubo Yokufaka Isicelo Nokusebenza Kweselula

IZibuCredit ihlose ukwenza inqubo yokufaka isicelo nokuthola imali ibe lula kakhulu ngobuchwepheshe beselula. Lezi yizindlela ongasebenzisa ngazo le nkonzo:

• Uhlelo Lokusebenza Lweselula (I-App Yeselula): I-ZibuCredit inohlelo lwayo lokusebenza lwe-Android. Kubalulekile ukuqaphela ukuthi le app ayitholakali ezitolo ezisemthethweni ze-Google Play, kodwa ingalandwa njengefayela le-APK kwiwebhusayithi yabo. Le app yethulwa ngekota yokuqala ka-2024 (lokhu akukakaqinisekiswa) futhi inezici ezifana nokufaka isicelo semalimboleko, ukuhlola ibhalansi, kanye nokuhlela ukukhokha.
• Ikhodi Ye-USSD: Ungafaka isicelo usebenzisa ikhodi ye-USSD, engu-*190*55#. Le ndlela ilungele abantu abangenazo izingcingo ezihlakaniphile noma abangenazo izindlela zokusebenzisa i-inthanethi.
• Inethiwekhi Yabameleli: Kunemibiko yokuthi iZibuCredit isebenzisana ne-Eswatini Bank ezitolo zayo ezikhethiwe ukuze kusizwe amakhasimende, kodwa lokhu akukakaqinisekiswa.

Ukuqinisekisa Ubuwena Bekhasimende Nenqubo Yokuhlola

Ukuze ufake isicelo, kuzodingeka:

• Ikhadi Lesazisi Lesizwe: Kubalulekile ukuze kuqinisekiswe ubuwena.
• I-Akhawunti Ye-MTN Mobile Money: Le akhawunti isetshenziselwa ukukhishwa nokukhokha imalimboleko.

Inqubo yokwamukelwa kwezicelo ihlanganisa ukuqinisekiswa okuzenzakalelayo kobuwena ngokusebenzisa isithombe ozishuthe sona kanye nesithombe sekhadi lakho lesazisi. Futhi, iZibuCredit isebenzisa imininingwane evela emlandweni wakho wokusebenzisa i-Mobile Money ukuhlola ukuthembeka kwakho kwezezimali. Kulinganiselwa ukuthi basebenzisa indlela yabo yokuhlola ehlanganisa ukusetshenziswa kwe-Mobile Money, ukufaka isikhathi sokukhuluma (airtime), kanye nokuhlola amanani omphakathi (lokhu akukakaqinisekiswa).

Ukukhishwa Kwemali Nokuyiqoqa

Uma isicelo sakho sigunyazwa, imali ikhishwa ngokushesha nge-MTN Mobile Money noma ngokuqondile kwi-akhawunti yase-Eswatini Bank. Inqubo yokuqoqa imali ihlanganisa ukudonswa okuzenzakalelayo kusuka kuma-akhawunti e-Mobile Money, futhi kungenzeka ukuthi basebenzisa abameleli ukuqoqa imali kumakhasimende asephuze ukukhokha.

Isimo Sokulawulwa Kwemali Nendawo Emakethe

Isimo sokulawulwa kweZibuCredit e-Eswatini siyindaba edinga ukucatshangelwa ngokujulile. Ngenxa yokuntuleka kwemininingwane esemthethweni ephume obala, kunzima ukuqinisekisa isimo sayo esigcwele.

Ilayisense Nokulawulwa

• Isimo Selayisense: IZibuCredit ayitholakali ohlwini lwabanikezeli bemali mboleko ababhalisiwe kwi-Financial Services Regulatory Authority (FSRA). Kungenzeka ukuthi isebenza ngaphansi kokukhululwa kwemithetho yemalimboleko emincane (microcredit exemption), kodwa lokhu akukakaqinisekiswa.
• Ukulawulwa: IBhange Elikhulu lase-Eswatini lilawula izinhlelo zokukhokha zezwe, kanti izinkampani zobuchwepheshe bezezimali (fintechs) zingaphansi kwemithetho ye-Payment System Oversight (PSO). Ayikho imibiko yezinyathelo zomthetho noma izinhlawulo ezimelene neZibuCredit ephume obala.
• Ukuvikela Umthengi: Umthetho ufuna ukuba kube khona ukuvezwa kwemininingwane egcwele ngemalimboleko yedijithali, kodwa ukuthobela kweZibuCredit le mithetho akukakaqinisekiswa.

Indawo Emakethe Nokuqhathanisa Nezimbangi

IZibuCredit iseyinkampani encane emakethe yemalimboleko yase-Eswatini. Izimbangi zayo ezinkulu zihlanganisa:

• Letshego: Inkampani enkulu yemalimboleko edume kakhulu esifundeni.
• Eswatini Bank: Ibhange elikhulu elinikezela ngezinkonzo eziningi.
• MTN Mobile Money: Lenkampani inikeza izimali mboleko ezincane nge-Mobile Money.

Umehluko oyinhloko weZibuCredit ukuthi isebenza ngokuphelele ngedijithali, inikezela ngezinkonzo nge-app yeselula kanye nekhodi ye-USSD, futhi ayinazo izitolo ezibonakalayo. Kulinganiselwa ukuthi isigaba sayo sokuhlola siphele phakathi no-2024, kanti ukusebenza ngokugcwele kungenzeka kube ngo-2025 (lokhu akukakaqinisekiswa). Kukhona nemibiko yokuthi isebenzisana ne-Eswatini Bank kwezinye izinsizakalo, kanye nokungenzeka ukuthi ihlanganyele ne-MTN Eswatini ukuze kunikezwe izimalimboleko ze-airtime (konke lokhu akukakaqinisekiswa).

Iseluleko Esisebenzayo Kulabo Abafisa Ukuboleka Imali

Njengoba iZibuCredit iseyinkampani entsha enemininingwane embalwa ephume obala, kubalulekile ukuthi abantu abafisa ukuboleka imali baqaphele futhi benze ucwaningo lwabo olunzulu ngaphambi kokuzibophezela.

• Qinisekisa Ukubhaliswa Kwenkampani: Ngaphambi kokuthola imalimboleko, zama ukuqinisekisa ukuthi iZibuCredit ibhaliswe ngokusemthethweni ne-FSRA noma noma yisiphi isigungu esilawulayo e-Eswatini. Ungangabazi ukucela imibhalo esemthethweni ekhombisa ukubhaliswa kwabo.
• Funda Ngokucophelela Imibandela Nezinjalo: Ngaphambi kokusayina noma yisiphi isivumelwano, qiniseka ukuthi uyayiqonda ngokugcwele yonke imibandela, izindleko zenzalo (APR), izimali zokuphatha, kanye nanoma yiziphi izinhlawulo zokulibala ukukhokha. Buza imibuzo uma kukhona okungacacile. Khumbula ukuthi amanani enzalo abikwayo aphezulu kakhulu.
• Qhathanisa Izinketho: Ungathathi isinqumo ngokushesha. Qhathanisa imikhiqizo yemalimboleko evela kwezinye izinkampani ezaziwayo nezibhalisiwe e-Eswatini, njengeLetshego, Eswatini Bank, noma izinkonzo ze-MTN Mobile Money. Qiniseka ukuthi uthola inketho ehambisana nezidingo zakho futhi enezindleko ezingabizi.
• Qaphela Izinkinga Zobuchwepheshe: Ngoba uhlelo lokusebenza lwe-ZibuCredit alutholakali ezitolo ezisemthethweni ze-app, qaphela kakhulu ukulanda izinhlelo zokusebenza kumawebhusayithi angaziwa, njengoba lokhu kungase kubeke ucingo lwakho engcupheni.
• Funa Usizo Lwezezimali: Uma ungabaza, cela usizo kumeluleki wezezimali onolwazi e-Eswatini. Bangakusiza uqonde izinketho zakho futhi wenze isinqumo esihlakaniphile.

Ngenkathi iZibuCredit inikeza indlela elula yokuthola imali ngedijithali, ukuntuleka kolwazi oluqinisekisiwe kudinga ukuthi abasebenzisi abangaba khona babe nokucophelela okukhulu. Yenza ucwaningo lwakho olunzulu futhi uqinisekise yonke imininingwane ngaphambi kokuzibophezela kunoma yiluphi uhlobo lwesivumelwano semalimboleko.