Cemes

Uhlaka Olujwayelekile lweCemes eZimbabwe kanye Nemvelaphi Yayo

ICemes Limited, eyaziwa kakhulu ngokuthi yiCEMES Ltd, yinkampani engumphathi wemali yedijithali, eqalise imisebenzi yayo eKenya ngeminyaka ka-2010 ngaphansi kweMicro-CapHoldings. Injongo yayo enkulu ukuhlinzeka izikwelede ezincane, ezisheshayo kubantu abahola imiholo kanye nakumabhizinisi amancane afuna imali yokusebenza. Isebenza ngendlela yesimanje, lapho izicelo zemali zifakwa khona yonke ngohlelo lweselula (i-Android app), kanti imali idluliselwa ngemali ephathwayo kumbe ngezindlela zokudlulisa imali ebhange.

Nakuba imvelaphi yayo icacile eKenya, imininingwane ecacile mayelana nokubhaliswa kwayo okusemthethweni eZimbabwe ayitholakalanga kalula emphakathini. Kuze kube manje, akukaze kutholakale okubhalwe ku-Companies Registry yeZimbabwe okubonisa ukuthi kukhona inkampani encane yeCemes ebhaliswe ngokwahlukana lapha. Lokhu kubeka umbuzo mayelana nesimo sayo esisemthethweni sokusebenza ngokuphelele eZimbabwe, yize kuthiwa ikhona futhi iyasebenza lapha. Abanikazi bayo kuthiwa ngosomabhizinisi abayisungula kanye nabanye ababeka imali yabo, kodwa lokhu futhi akukaqinisekiswa ngokugcwele mayelana nesigaba seZimbabwe.

Isimiso sebhizinisi likaCemes sigxile ekunikezeni imali ngokushesha okukhulu, esebenzisa ubuchwepheshe bedijithali ukuhlola izicelo nokudlulisa imali. Lokhu kusiza kakhulu labo abasuke bedinga imali ngokushesha ngenxa yezimo eziphuthumayo. Nakuba kukhona abaphathi abaziwayo eKenya njengoChepkorir Mutai noCornelius Egesa, imininingwane yabaphathi bakuleli eZimbabwe ayitholakali emphakathini. Lokhu kuphakamisa ukuthi abafuna ukuboleka imali kumele baziqinisekisele imininingwane ephelele ngenkampani ngaphambi kokusebenzisana nayo.

Imikhiqizo Yemali Ebolekiwe kanye Nemigomo kaCemes

ICemes inikeza uhla lwemikhiqizo yemali ebolekiwe eyenzelwe ukuhlangabezana nezidingo ezahlukene zabantu kanye namabhizinisi amancane. Phakathi kwale mikhiqizo kukhona:

• Imali Ejikelezayo (Revolving Credit Line): Lena eyenzelwe amabhizinisi amancane adinga imali yokusebenza njalo. Ivumela ibhizinisi ukuthi liboleke imali, liyibuyise, bese liboleka futhi ngaphakathi kwesilinganiso esinqunyiwe.
• Izikwelede Zomuntu Siqu (Personal Cash Loans): Lezi yimali ebolekelwa abantu ngabanye ukuze bakwazi ukubhekana nezimo eziphuthumayo noma izidingo zansuku zonke.
• Isikwelede Sokukhulisa Amabhizinisi Amancane (SME Growth Accelerator Loan): Lezi zikwelede zihloselwe ukusiza amabhizinisi amancane ukuthi akhule futhi andise imisebenzi yawo.

Mayelana namanani emali ebolekiwe, eKenya kushiwo ukuthi inani elincane yi-KES 3,000 (elinganiselwa ku-USD 22), kanti eliphezulu yi-KES 300,000 (elinganiselwa ku-USD 2,150). Kodwa-ke, inani eliqondile ngemali yaseZimbabwe (ZWL/RTGS) alikaqinisekiswa futhi alitholakali kalula emphakathini. Kubalulekile ukuthi ababolekisi abangaba khona eZimbabwe bacele le mininingwane ecacile ngezilinganiso zemali yendawo ngaphambi kokufaka isicelo.

Inzalo Nezindleko

Inzalo kaCemes ingafinyelela ku-24% ngonyaka (Fixed APR), kodwa inqotshwa yisikhathi sokubuyisa kanye nesimo somuntu obolekayo. Mayelana nezikhathi zokubuyisa imali, iCemes inikeza isikhathi esingaba yizinsuku ezingama-90 kuya kwezingama-365 (izinyanga ezi-3 kuye kweziyi-12). Isikhathi esincane sokubuyisa yizinsuku ezingama-65, kanti esikhulu yizinsuku ezingama-120. Okwenza iCemes yehluke kwezinye izinkampani yisitatimende sayo sokuthi ayikhokhisi zindleko zokusebenza (zero transaction fees) noma ezinye izindleko ezifihliwe zokuqalisa isicelo. Nokho, izindleko zokubuyisa imali sekwephuzile azikaze zidalulwe emphakathini, okuyinto okumele ibuzwe ngaphambi kokuboleka.

Ngokuphathelene nesibambiso, izikwelede ezincane eziningi azidingi sibambiso. Kodwa-ke, ngezikwelede ezinkulu njengezokuFranchise (ezaziwa eKenya), kungadingeka amaphepha ebhizinisi noma izinto ezisetshenziswa ebhizinisini njengesibambiso, yize lokhu kungakaqinisekiswa ngokugcwele eZimbabwe.

Indlela Yokufaka Isicelo kanye neHlelo Leselula (App) likaCemes

Inqubo yokufaka isicelo semali kuCemes ilula futhi iyashesha, ngoba isuselwe ngokuphelele kubuchwepheshe bedijithali. Abafuna ukuboleka imali bangafaka izicelo zabo ngezindlela ezimbili eziyinhloko:

• Uhlelo Lweselula (Android App): Lena yindlela eyinhloko. Uhlelo lweselula lweCemes lungatholakala kuGoogle Play Store. Lolu hlelo lunabasebenzisi abangaphezu kwezi-500,000 abalufakile, futhi lunezilinganiso ezingama-3.9★ ezivela kuzibuyekezo ezingaphezu kwezi-63,600. Izici zalo zihlanganisa ukufaka isicelo ngokushesha, ukuphatha isilinganiso sakho semali (credit line), kanye nohlelo lokuhlela ukubuyisa imali.
• Iwebhusayithi (cemesltd.com): Lokhu kuyisango elijwayelekile lenkampani emhlabeni jikelele, lapho abantu bengathola khona ulwazi oluthe xaxa nokufaka izicelo.

Ukuze ukwazi ukufaka isicelo, iCemes isebenzisa indlela yokuzazisa okuzenzakalelayo (automated ID verification) ngemvume ohlelweni lweselula. Lokhu kungase kuhlanganise ukuhlola umlando we-SMS kanye nemininingwane yedivayisi yakho. Lokhu kuvumela inkampani ukuthi ihlole ukuziphatha kwakho kwezezimali. Izidingo eziyisisekelo zihlanganisa umazisi kazwelonke kanye nobufakazi bekheli (proof of address), kodwa lokhu okokugcina akukaqinisekiswa ngokugcwele mayelana nezidingo eziqondile eZimbabwe.

Ukuhlola isikwelede (credit scoring) kwenziwa ngama-algorithms asebenzisa imininingwane yakho yedijithali kanye nomlando wakho wokubuyisa imali. Ngezikwelede ezinkulu, kungenzeka ukuthi kwenziwe ukuhlolwa okubanzi okwenziwa ngabantu, yize lokhu kungakaqinisekiswa eZimbabwe. Uma isicelo sakho sigunyazwa, imali ingakhishwa ngezindlela eziningana, okuhlanganisa imali ephathwayo (njenge-EcoCash eZimbabwe, yize lokhu kungakaqinisekiswa ngokusemthethweni) kanye nokudluliselwa kwemali ebhange.

Ulwazi Lomsebenzisi (User Experience) kanye Nezici Zohlelo Lweselula: Abasebenzisi bohlelo lweselula bayaluncoma ngokuthi lusebenziseka kalula. Nokho, izikhalazo ezivamile zihlanganisa ukubambezeleka kwezikhathi zokugunyazwa kwezikwelede kanye nemali encane ebolekiwe. Ukwesekwa kwamakhasimende kutholakala amahora angama-24 ngosuku, izinsuku eziyisikhombisa ngesonto nge-imeyili yabo ([email protected]) ngaphakathi ohlelweni lweselula.

Isimo Sokugunyazwa Ngumthetho kanye Nokuncintisana eZimbabwe

Enye yezinto ezibaluleke kakhulu kubabolekisi abangaba khona ukwazi isimo sokugunyazwa ngumthetho senkampani. ICemes ibhaliswe njengesikhungo semali esincane (microfinance institution) eKenya, okuyenza isebenze ngokusemthethweni lapho. Kodwa-ke, lapha eZimbabwe, ayikho irekhodi lomphakathi elibonisa ukuthi iCemes igunyazwe yi-Reserve Bank yeZimbabwe. Lokhu kusho ukuthi isimo sayo sokusebenza ngokusemthethweni ngokuphelele eZimbabwe asikaqinisekiswa, okuyinto edinga ukunakwa kakhulu ngaphambi kokuboleka imali.

Inkampani ithi ilandela imithetho yaseKenya mayelana nezinkampani zemali encane, kodwa ukuthobela imithetho yaseZimbabwe akukaqinisekiswa. Akukaze kubikwe ngezigameko zokujeziswa noma izinhlawulo ezibekwe kuCemes esidlangalaleni. Mayelana nokuvikelwa kwabathengi, iCemes ithi idatha yomsebenzisi ibetheliwe (data encryption) futhi ayabelani ngayo nabantu besithathu. Abasebenzisi banenketho yokucela ukuthi idatha yabo isulwe.

Indawo Emakethe Nezincintisana

ICemes ibalwa njenge-app yesi-36 ephambili phakathi kwezinhlelo zokusebenza zezezimali eZimbabwe kuGoogle Play. Lokhu kukhombisa ukuthi iyasetshenziswa, kodwa ukungena kwayo emakethe kusekuncane uma kuqhathaniswa nabanye. Izincintisana zayo eZimbabwe zihlanganisa izinkampani ezifana neFinga, Okash, Zeepay, kanye neCBZ Microfinance. ICemes izama ukuzihlukanisa ngokunikela ngemali ejikelezayo (revolving credit line) esikhundleni semali ebolekiwe yesikhathi esisodwa (one-off payday loans), kanye nokungakhokhisi zindleko zokusebenza.

Le nkampani inezinhlelo zokwanda nakwezinye izimakethe zase-Afrika, yize imininingwane emayelana nokwanda kwayo eZimbabwe ingakaqinisekiswa. Izinkampani eziningi zedijithali zisebenzisana nabahlinzeki bezinsizakalo zeselula kanye namabhange endawo ukuze kukhishwe imali, yize imininingwane eqondile mayelana nobudlelwano beCemes eZimbabwe ingatholakali kalula.

Iseluleko Esibalulekile Kwabafuna Ukuboleka Imali kuCemes

Njengochwepheshe wezezimali, kubalulekile ukunikeza iseluleko esisebenzisekayo kubantu baseZimbabwe abacabanga ukuboleka imali kuCemes noma kunoma iyiphi inkampani yedijithali. Ukwenza izinqumo ezinolwazi kungakuvikela ezinkingeni ezingaba khona:

1. Qinisekisa Ukubhaliswa Ngokusemthethweni: Okokuqala, ngaphambi kokufaka noma isiphi isicelo, zama ukuqinisekisa ukuthi iCemes ibhaliswe ngokusemthethweni futhi igunyazwe yi-Reserve Bank yeZimbabwe. Njengoba imininingwane yayo ingatholakali kalula emphakathini, kungaba kuhle ukuxhumana ngqo ne-Reserve Bank yeZimbabwe ukuze uthole ulwazi oluqondile. Ukuboleka kwinkampani engabhalisiwe kungaba yingozi kakhulu.
2. Cela Imininingwane Yezinga Lempahla Yendawo: Yize iCemes inikeza amanani emali ebolekiwe kanye nenzalo nge-KES (Kenya Shillings), kubalulekile ukuthi uthole imininingwane ecacile ngemali yaseZimbabwe (ZWL/RTGS). Cela ukwazi inani elincane neliphezulu lemali ongayiboleka, kanye nenzalo, konke ngemali yendawo.
3. Funda Imigomo Nezimo Ngokucophelela: Qiniseka ukuthi uyayiqonda yonke imigomo nemibandela, kuhlanganisa isikhathi sokubuyisa, inzalo, nezindleko zokubuyisa sekwephuzile (uma zikhona). Buza mayelana nanoma yiziphi izindleko ezifihliwe ezingadalulwanga esidlangalaleni.
4. Hlola Izibuyekezo Zabanye Abasebenzisi: Yize uhlelo lweselula lweCemes lunamanothi amahle, kubalulekile ukufunda izibuyekezo ezinemininingwane kuGoogle Play Store. Qaphela izikhalazo ezivamile ezifana nokubambezeleka ekukhishweni kwemali noma imikhawulo yemali ebolekiwe.
5. Qhathanisa Nabanye Ababolekisi: Ungaboleki ngokushesha. Qhathanisa izinkonzo zeCemes nabanye ababolekisi bemali abagunyaziwe eZimbabwe, njengeFinga, Okash, Zeepay, noma iCBZ Microfinance. Lokhu kuzokusiza ukuthi uthole isikwelede esihambisana kangcono nezidingo zakho futhi esinezimo ezingcono.
6. Ukuvikela Idatha Yakho: Qinisekisa ukuthi uyayiqonda indlela iCemes evikela ngayo idatha yakho. Njengoba uhlelo lweselula luhlole umlando we-SMS kanye nemininingwane yedivayisi, qiniseka ukuthi ukhululekile ngale ndlela yokusebenza.

Ngokwenza ucwaningo olujulile nokubuza imibuzo efanele, ungazivikela futhi uqinisekise ukuthi uthola isikwelede esihle ngemigomo efanele eZimbabwe.