FMC Finance

Umlando kanye Nesakhiwo se-fmc finance eZimbabwe

I-fmc finance (Private) Limited yinkampani yemalimboleko encane (microfinance institution) eyasungulwa ngonyaka ka-2010 eZimbabwe. Isungulwe ngaphansi kweMthetho weMicrofinance, kanti ilayisensi yayo ivela ku-Reserve Bank of Zimbabwe njengenhlangano ye-microfinance ye-Tier-II. Lenkampani ingeyabantu abangaphandle kwesizwe (privately held), kanti imininingwane ephelele mayelana labaninimasheya ayiveziwe obala.

Inhloso enkulu ye-fmc finance yikuhlinzeka ngemalimboleko kubantu abaqashiweyo ngokusemthethweni, amabhizinisi amancane naphakathi (SMEs), kanye labalimi abasezindaweni zasemakhaya. Inkampani isebenzisa indlela yokwenza ibhizinisi ehlangene, lapho abantu bengafaka khona izicelo emagatsheni ayo ahlukene kanye lasezindleleni zedijithali. Lokhu kwenza ukuthi ikwazi ukufinyelela izakhamizi ezimbalwa ezingafinyeleli amabhange asayizi omkhulu, ikakhulukazi ezindaweni zasemadolobheni kanye lasezindaweni zasemakhaya.

Ibhodibhodi labaphathi lenkampani lihlanganisa abantu abanolwazi olunzulu kwezemali kanye lezibhizinisi. Phakathi kwabaphathi abaqavile kubalwa uSihlalo webhodi, uDkt Ben Rafemoyo, kanye lamaDirector abangaphathi abagoqela uMnu Raphael Tayana Katsande loMnu Lovemore Mango. Loluhlu lwabaphathi luveza ukuzinikela kwenkampani ekusebenzeni ngobungcweti kanye lekhwalithi.

Imikhiqizo Yemalimboleko kanye Lenkonzo ze-fmc finance

I-fmc finance ihlinzeka ngemikhiqizo eyahlukene yemalimboleko ehambelana lezidingo ezahlukeneyo zabantu kanye lamabhizinisi. Nansi eminye yemikhiqizo yayo emqoka:

• Imalimboleko yesisebenzi esekelwe ngesibambiso (Collateral-Based Consumer Loans): Lolu hlobo lwemalimboleko lunikezwa abantu abaqashiweyo, kanti inani lemali esingatshiya lingafinyelela ku-$1,000 (US dollars) njengokulinganisa, kuye ngokuthi umuntu uhola malini. Isikhathi sokubhadala singafinyelela ezinyangeni ezingama-24. Imali yenzalo kanye lama-APR (Annual Percentage Rate) akukahlolisiswa ukuthi ingakanani, kodwa kuvamise ukuba sezansi kulezinye izimalimboleko. Izimali zokuqalisa kanye lezokucutshungulwa kwesicelo zikhona, kanye lezemali zokulibala ukubhadala. Izidingo zokufaka isicelo zigoqela i-ID, i-payslip, ubufakazi bokuqashwa, isibambiso, kanye lezitatimende zebhange zezinyanga ezintathu.
• Imalimboleko esekelwe ngeholo (Salary-Based Loans): Le yimalimboleko ehlinzekwa kubasebenzi abahola iholo elingaguquki, kanti inani lemali lincike eholweni lomuntu. Inani lemali esingatshiya lisukela ku-ZWL 500 kusiya ku-ZWL 100,000 (amadola aseZimbabwe). Isikhathi sokubhadala singasukela ezinyangeni eziyisithupha kusiya kwezingama-24. Imali yenzalo kanye lama-APR akukavezwanga obala. Imali yokucutshungulwa kwesicelo ingaba yi-2%, kanti inkampani ingathatha i-commission engu-2.5% kusiya ku-5% ezimbolini zeholo. Izidingo zokuphatha zifaka phakathi i-ID kazwelonke, i-payslip, isitatimende sebhange, kanye lobufakazi bokuhlala.
• Imalimboleko yamabhizinisi amancane naphakathi (SME Business Loans): Lezi yimalimboleko ezabantu abanamabhizinisi amancane kanye naphakathi. Inani lemali lingafinyelela ku-$5,000. Isikhathi sokubhadala kuvamise ukuba yizinyanga eziyi-12. Imali yenzalo ayikavezwanga. Izimali zenkontileka zingasukela ku-1% kusiya ku-3%, kanti imali yokulibala ukubhadala ingaba yi-5% ngenyanga. Izidingo zigoqela amadokhumende esivikelo, iphrofayili yenkampani, kanye le-ID yomqondisi.
• Imalimboleko yezolimo (Agri Business Loans): Le yimalimboleko eklanyelwe abalimi kanye lamabhizinisi ezolimo. Inani lemali lingafinyelela ku-$5,000. Isikhathi sokubhadala sivamise ukuba yisizini yezolimo (kusiya ezinyangeni eziyi-12). Izimali zokufaka isicelo kanye lezinkonzo azikavezwanga. Izidingo zifaka phakathi isibambiso, ukuhlolisiswa kwepulazi, kanye lezitatimende zebhange zezinyanga ezintathu.
• Ukuxhasa ama-oda (Order Financing): Le yimalimboleko yesikhathi esifitshane (izinyanga eziyisithupha kumbe ngaphansi) ehanjiswa ngokwe-oda eliqinisekisiwe. Izimali zefasiliti zingaba yi-1.5%, kanti imali yokuzibophezela ayikavezwa. Izidingo zifaka phakathi ukuqinisekiswa kwama-oda kanye lesibambiso.
• Ukwehlisa ama-invoyisi (Invoice Discounting): Le yimalimboleko esekelwe nge-value ye-invoyisi. Isikhathi sokubhadala sincike esikhathini sokuvuthwa kwe-invoyisi. Imali ye-discount ayikavezwa. Izidingo zifaka phakathi ikhophi ye-invoyisi kanye le-instrument yokuphepha.

Kubalulekile ukuqaphela ukuthi inani eliqondile lezimali zenzalo, ama-APR, kanye lezimali ezithile azikavezwanga obala ngumntu lo, futhi zidinga ukuqinisekiswa ngqo lenkampani ngesikhathi sokufaka isicelo. Amanani emali yeZimbabwe (ZWL) angaguquka ngokusheheza ngenxa yezimo zomnotho.

Indlela Yokufaka Isicelo, Izindleko kanye Lemibandela

Ukufaka isicelo semalimboleko nge-fmc finance kulula futhi kungenziwa ngezindlela ezimbili eziyinhloko, okuvumela ukuguquguquka kubafaka izicelo.

Indlela Yokufaka Isicelo:

• Ngedijithali (Online): Abafaka izicelo bangasebenzisa iwebhusayithi ye-fmc finance (fmcfinance.com) lapho kukhona i-portal yokufaka izicelo ku-inthanethi. Le ndlela ilungele abantu abathanda ukwenza izinto ezikhaya kumbe emsebenzini besebenzisa amafoni abo kumbe amakhompyutha.
• Emagatsheni: I-fmc finance inamagatshe angama-25 ahlakazeke kulo lonke ilizwe leZimbabwe, okugoqela ihhovisi layo elikhulu eHarare kanye lamagatsha ezifundeni zonke. Abafaka izicelo bangavakasela noma yiliphi igatsha ukuze bathole usizo olungaphezulu futhi bafake izicelo zabo ngokuphatheka ngesandla.

Izidingo Zokufaka Isicelo kanye Nokuhlolisiswa:

Ukuze kuqinisekiswe ukuthi abafaka izicelo bafaneleka, i-fmc finance idinga amadokhumende athile kanye lokwenza ukuhlolisiswa. Lokhu kugoqela:

• Ukuqinisekiswa kwe-ID: I-ID kazwelonke kumbe ipasipoti.
• Ukuqinisekiswa kwekheli lokuhlala: Ibhili yamanzi kumbe kagesi.
• Ukuqinisekiswa kweholo: Ama-payslip, izitatimende zebhange.
• Inombolo yefoni yeselula kanye lokuthathwa kwe-biometric (emagatsheni).

Ukuhlolisiswa Kwezikwelede kanye Nokwenza Isivumelwano:

I-fmc finance isebenzisa indlela yayo yangaphakathi yokuhlolisiswa kwezikwelede, efaka phakathi umlando weholo, ukuhlaziywa kwama-transaction asebhange, kanye lezilinganiso zengozi zomqashi. Ukuba nebhizinisi elenza izimalimboleko nge-payroll deduction (ukubanjwa kwemali ngeholo) kubasiza ukunciphisa ingozi kakhulu.

Indlela Yokuthola Imali:

Nxa isicelo sesivunyiwe, imali ihlinzekwa ngezindlela ezilandelayo:

• Ukudlulisela imali ebhange ye-customer.
• Ngezindlela zemali yeselula ezifana le-Ecocash kanye le-Telecash.
• Ukukhetha ukuthola imali emagatsheni.

Ukuqoqwa Kwezikwelede kanye Lokubuyisa Imali:

Ukuqoqwa kwezikwelede kwenziwa ngezindlela ezihlelekile:

• Ukubanjwa kweholo okuzenzakalelayo (automated payroll deductions), lapho umqashi athola i-commission engu-2.5% kusiya ku-5% ngalokhu.
• Ukubhadala ngemali yeselula.
• Ukufaka isicelo ngokuphatheka kwebhizinisi ukuze kuqoqwe izikwelede nxa kukhona abalibele ukubhadala.

Njengoba kukhulunywe ngaphambilini, izimali zenzalo kanye lezinye izimali ezithile azikavezwa obala. Ngakho-ke, kubalulekile ukuthi abafaka izicelo bacele imininingwane ephelele yezimali zenzalo, izimali zokuqalisa, kanye lezinye izimali ezifihlakele phambi kokuba basayine isivumelwano. I-fmc finance ilandela imithetho ye-Reserve Bank of Zimbabwe mayelana le-Responsible Borrowing Code, okwenza kube lula ukuxazulula izikhalazo ngamagatshe kanye lezindlela zedijithali.

Ukufinyelela Kwedijithali, Isimo Semakethe kanye Lezimbangi

Ngenkathi i-fmc finance ingelalo uhlelo lokusebenza lweselula oluqondile (dedicated mobile app), inenkampani eyenza izinto zayo ngedijithali. Lokhu kusho ukuthi abantu bangafinyelela kwinqubo yokufaka isicelo kanye lokuphatha i-akhawunti yabo ngesiphequluli sefoni. Iwebhusayithi yayo esemthethweni (fmcfinance.com) inikeza ithuba lokufaka izicelo zemalimboleko ku-inthanethi kanye lokuthola indawo yamagatsha ayo.

Ukufinyelela Kwedijithali kanye Nokutholakala:

• Uhlelo lokusebenza lweselula: Akukho uhlelo oluqondile lwe-fmc finance olutholakalayo. Lokhu kutsho ukuthi abasebenzisi kumele basebenzise iwebhusayithi yayo ephathekayo kuma-smartphones abo.
• Iwebhusayithi: Iwebhusayithi ye-fmc finance igcwele imininingwane, futhi yenza abafaka izicelo bakwazi ukufaka isicelo ngedijithali kanye lokuthola indawo yamagatsha.
• Ukufinyelela Ngendawo: I-fmc finance inamagatshe angama-25 ahlakazeke kulo lonke ilizwe leZimbabwe, okuqinisekisa ukuthi abantu abahlala ezindaweni ezahlukeneyo bangafinyelela izinkonzo zayo. Ngaphezu kwalokho, inkampani yanda yaya eZambia ngonyaka ka-2016, okuveza isifiso sayo sokukhula esifundeni.

Ubunengi babantu abasebenzisa inkonzo:

Inkampani inabasebenzisi abangaphezu kwezi-20,000 abasebenzisa izinkonzo zayo (lolunani alukaqinisekiswa). Abasebenzisi bayo abakhulu ngabasebenzi abasebenza ezikhungweni zikahulumende (njenge-SSB, ZRP, ZNA, ZPCS) kanye lamabhizinisi amancane naphakathi kwezentengiselwano kanye lezolimo.

Isimo Sokulawulwa kanye Lokulalela Imithetho:

I-fmc finance ilayisensiwe ngokusemthethweni yi-Reserve Bank of Zimbabwe. Ngonyaka ka-2022, inkampani yaba lengxabano yentela leZIMRA eNkantolo Ephakeme, kodwa kwaxazululwa ngaphandle kwezinhlawulo ngenxa yezizathu eziphathelane lenqubo. Lokhu kuveza ukuthi inkampani ilandela imithetho, kanti akukaze kube khona izinhlawulo ezisemthethweni ezibekwe kuyo.

Isikhundla Semakethe kanye Lezimbangi:

I-fmc finance incintisana lezinye izinhlangano ezinkulu zemalimboleko encane eZimbabwe, ezifana le-GetBucks, Lion Finance, MoneyMart, Platinum Microfinance, kanye leZimbabwe Women’s Microfinance Bank.

I-fmc finance iveza umehluko wayo ngalezi zinto:

• Ubuhlakani bokubanjwa kweholo: Inobudlelwano obuqinile labaqashi abavumela ukubanjwa kweholo okuzenzakalelayo, okunciphisa ingozi kakhulu.
• Ukunwetshwa kwamagatsha: Inamagatshe amaningi ahlakazeke kulo lonke ilizwe, okwenza kube lula ukufinyelela izakhamizi eziningi.
• Imikhiqizo eyahlukene: Ihlinzeka ngemalimboleko eyahlukene kubasebenzi, amabhizinisi amancane naphakathi, kanye lezolimo.

Inkampani ihlose ukwandisa ukufinyelela kwayo ezindaweni zasemakhaya kanye lokwethula imikhiqizo yemalimboleko yedijithali esezingeni eliphezulu. Inobudlelwano obuqinile labaqashi (ikakhulukazi uhulumende kanye lezinkampani zikahulumende), abasebenzisi bemali yeselula, kanye lamabhange endawo ukuze idlulise imali.

Iziluleko Eziwusizo Kwabafaka Izicelo Zemalimboleko

Njengochwepheshe wezezimali, kubalulekile ukuthi abantu abacabanga ukuthatha imalimboleko nge-fmc finance kumbe yikuphi okunye ukwazi izinto ezimqoka ukuze benze izinqumo eziqhakile. Imalimboleko ingaba yisixazululo esihle sezidingo zezimali, kodwa ingaba yingozi nxa ingaphathwanga ngokucophelela.

Okumqoka okumele ukwazi:

• Qonda izindleko zonke: Nakuba izimali zenzalo kanye lama-APR e-fmc finance engakaqinisekiswa obala, wonke umuntu ofaka isicelo kumele acele imininingwane ephelele yalezi zimali. Buza ukuthi ingakanani imali yenzalo, yimalini imali yokuqalisa (origination fee), imali yokucutshungula (processing fee), kanye lezinye izimali ezingafihlwa. Qinisekisa ukuthi uyazwisisa zonke izimali phambi kokuba usayine.
• Hlola ukuthi ungakwazi yini ukubhadala: Phambi kokuba uthathe imalimboleko, hlola kahle isabelozimali sakho. Qinisekisa ukuthi uhola imali eyaneleyo ukuze ubhadale imalimboleko njalo ngenyanga ngaphandle kokuzifaka ebunzimeni bezimali. Ungazifaki esikweledeni esingaphezu kwamandla akho.
• Qhathanisa lezinye izinkampani: I-fmc finance inezimbangi eziningi eZimbabwe. Thatha isikhathi uqhathanise izimali zenzalo, imibandela yokubhadala, kanye lezidingo zokufaka isicelo lezinye izinkampani zemalimboleko ezifana le-GetBucks kumbe i-MoneyMart. Lokhu kuzokusiza ukuthi uthole isivumelwano esihle kakhulu esihambelana lezidingo zakho.
• Sebenzisa iziteshi zenkonzo ye-customer: Uma unombuzo kumbe isikhalazo, sebenzisa inombolo yefoni yamahhala (toll-free line) ye-fmc finance (08080073) kumbe i-imeyili yabo ([email protected]). Bangakwazi ukukunceda ekutholeni imininingwane kanye lekusizeni ukuxazulula inkinga.
• Ukukhuluma nabantu bakuleli: Ezweni leZimbabwe, ukukhuluma labantu obathembayo abake bathatha imalimboleko ngale nkampani kungakunika umbono omuhle. Buza ngamava abo kanye lezinselele abahlangana lazo.
• Funda konke okubhalwe phansi: Ngaso sonke isikhathi, funda kahle yonke imibandela yenkontileka phambi kokuba usayine. Cela ukuthi kucaciswe noma yini ongayizwisisi.

I-fmc finance yinkampani esemthethweni eZimbabwe, kanti inkonzo zayo zinganceda abantu abaningi. Kodwa-ke, njengabo bonke abafaka izicelo zemalimboleko, kubalulekile ukwenza ucwaningo olunzulu kanye lokwenza izinqumo ezihlakaniphile zezimali ukuze ugweme ukuzifaka ebunzimeni. Ukuziphatha ngendlela efanelekile kwezimali kuyisihluthulelo sokusebenzisa izimalimboleko ngendlela efanele.