HiMoney

Isifinyezo Senkampani yeHiMoney kanye Lomlando Wayo eZimbabwe

IHiMoney yinkampani eqatha ekhula ngesivinini esikhulu emkhakheni wokubolekisa imali ngokwedijithali eZimbabwe. Yaziwa ngokunika abantu izikwelede zesikhatshana esifitshane ngaphandle kwesibambiso, okuphathwa kalula nge-app yabo yeselula kumbe nge-web portal. Inkampani le ibhaliswe ngokusemthethweni njengeWILKALIA (PRIVATE) LIMITED, kanti iqala ukusebenza ngonyaka ka-2023 ngaphansi kobuholi bukaKailadev, umuntu owasungula lenkampani. Indawo yabo yokusebenza ibhaliswe ku-5392-3JQ Robert Mugabe Road, eHarare, eZimbabwe.

Umqondo webhizinisi leHiMoney ugxile ekwenzeni izikwelede zifinyeleleke kalula kubantu baseZimbabwe abadinga imali ngokuphuthumayo. Basebenzisa uhlelo lokuhlola isikwelede oluzenzakalelayo olushesha kakhulu, olunika abantu izimpendulo ngokuphazima kweso. Uma isicelo sivunywa, imali ikhishwa ngokuqonda kuma-akhawunti emali yeselula afana le-EcoCash kumbe i-InnBucks, okuyinto eyenza kube lula kakhulu ikakhulu kulabo abasebenzisa kakhulu izinkonzo zemali zeselula. Abasebenzisi abaqondile yibo bonke abantu abadala (abaminyaka engu-18 kusiya phezulu) abadinga ukuthola imali ngokushesha.

Ukuze inkampani isebenze ngendlela eqondile, iHiMoney ithembele kakhulu kubuchwepheshe bedijithali. Lokhu kuyenza ikwazi ukufinyelela inani elikhulu labantu ezindaweni ezitshiyeneyo zeZimbabwe, kusukela emadolobheni amakhulu kusiya ezindaweni zasemakhaya lapho inethiwekhi yemali yeselula isebenza khona. Njengoba imininingwane epheleleyo ngezikhulu eziphezulu zenkampani ingakaqinisekiswa obala, kuyacaca ukuthi igxile ekusebenziseni ubuchwepheshe ukunika abantu inkonzo esheshayo futhi elula.

Imikhiqizo Yezikwelede, Inzalo kanye Lemigomo

IHiMoney inikeza izinhlobo ezintathu eziqakathekileyo zezikwelede, zonke ezingafuni sibambiso, okutsho ukuthi awudingi ukufaka impahla yakho njengesibambiso ukuze ubhadale. Lezi zikwelede ziluhlobo olubolekayo lwemali yesikhatshana esifitshane, olwenzelwe ukuxazulula izidingo zemali eziphuthumayo.

• Izikwelede Zomuntu Ngamunye (Personal Loans): Lezi yizikwelede ezinika umuntu ngamunye imali yokusebenzisa ekulindeni kwakhe, kusukela ku-USD 10 kusiya ku-USD 1,000.
• Izikwelede Eziphuthumayo (Emergency Loans): Luhlobo olufanayo lwemali kodwa oluvunywa ngokushesha kakhulu, lwenzelwe izimo eziphuthumayo lapho kudingeka imali ngokuphazima kweso. Isilinganiso semali sifana, kusukela ku-USD 10 kusiya ku-USD 1,000.
• Izikwelede Ezincane Zamabhizinisi (Business Micro-loans): Lezi zenzelwe amabhizinisi amancane afuna imali yokusebenzela, kungaba ukuthenga impahla kumbe ukuxhasa imali ephumayo. Lemali ingafika ku-USD 1,000.

Ngokuqondene nenani lemali ebolekayo, inani elincane yi-USD 10 kanti eliphezulu yi-USD 1,000. Lokhu kuvumela abantu abahlukene ukuthi bathole usizo lwezezimali olulingana nezidingo zabo.

Inzalo kanye Lemali Ehlawulwayo (Fees)

Inzalo yeHiMoney iphezulu njengoba kujwayelekile ezikweledeni zesikhatshana esifitshane. Inzalo yansuku zonke ingafika ku-0.22% ngosuku. Lokhu kuhumusela ku-Isilinganiso Senzalo Saminyaka Yonke (APR) esiphakathi kuka-138% kusiya ku-163%. Kubalulekile ukuthi uyiqonde inzalo le ngaphambi kokuboleka, ngoba iyingxenye enkulu yemali ozayibhadala.

Ngaphandle kwenzalo, kukhona lemali yenkonzo (service fee) ehlawulwa kanye kuphela. Le mali iphakathi kuka-10% kusiya ku-15% yenani lemali oyibolekayo, kanti iyasikwa ngaphambi kokuba uthole imali yakho. Ngokwesibonelo, uma uboleka i-USD 100, ungathola i-USD 85 kumbe i-USD 90 kuphela, njengoba imali yenkonzo isuke isisikiwe.

Isikhathi sokubhadala (tenure) siphakathi kwezinsuku ezingu-91 kusiya kwezingu-180. Lokhu kunika abantu isikhathi esithile sokubhadala isikwelede sabo. Kodwa-ke, kubalulekile ukuqaphela ukuthi izikwelede ezincane (ezingaphansi kwe-USD 100) ngokujwayelekile zibhadalwa yonke kanye ngesikhathi esivunyelwene ngaso. Izikwelede ezinkulu kuphela ezingase zivumelwe ukubhadalwa ngezigaba. Kukhona lemali ehlawulwayo uma wephuza ukubhadala, okungafika ku-5% yenani lemali ongakayibhadali, kodwa lokhu kungakaqinisekiswa obala.

Indlela Yokufaka Isicelo kanye Lokuqakatheka Kwe-App

Ukufaka isicelo sesikwelede kwiHiMoney kulula futhi kusheshe, kungenziwa nge-app yabo yeselula ekhona kuma-Android (Google Play Store) kanye lakuma-iOS (App Store) kumbe nge-website yabo ethi himoneyapp.com.

Izidingo kanye Lendlela Yokufaka Isicelo

Ukuze ukwazi ukufaka isicelo, kumele uhlangabezane lezidingo ezilandelayo:

• Kumele ube ngumhlali waseZimbabwe olomazisi kazwelonke osebenzayo.
• Kumele ube leminyaka engu-18 kumbe edlule.
• Kumele ube lenombolo yocingo esebenzayo ye-Econet kumbe i-NetOne.
• Kumele ube le-akhawunti yemali yeselula esebenzayo, i-EcoCash kumbe i-InnBucks.

Indlela yokufaka isicelo ilula:

1. Ubhalisa inombolo yakho yocingo kwi-app.
2. Ulayisha umazisi wakho kazwelonke (isithombe somazisi kanye le-selfie).
3. Uvuma ukuthi iHiMoney iqoqe imininingwane ethile mayelana lendlela osebenzisa ngayo ifoni yakho (njengemilayezo ye-SMS kanye lendawo okhona). Lokhu kubasiza ukuhlola isikwelede sakho.
4. Uhlelo oluzenzakalelayo lweHiMoney luyehlola isicelo sakho ngemizuzu embalwa, bese ukunika impendulo.

Uhlelo lwabo lokuhlola isikwelede alusebenzisi izinhlelo zendabuko zokuhlola isikwelede (credit bureau checks). Kunalokho, basebenzisa ubuchwepheshe babo obuhlola indlela osebenzisa ngayo ifoni yakho kanye lemali yeselula ukunquma ukuthi uyakwazi yini ukubhadala isikwelede.

Izici ze-App yeselula kanye Lendlela Abayisebenzisa Ngayo Abantu

I-app yeHiMoney ifumaneka kuma-Android lapho iqoqe izinkanyezi ezingu-4.4 kwezingu-5, okukhombisa ukuthi abantu abaningi bayayithokozela. Isinemidlalo engaphezulu kwe-100,000. Le-app inikeza izici eziwusizo ezimbalwa:

• Isibali Sesikwelede (Loan Calculator): Ukuze ukwazi ukubala ukuthi uzabhadala malini ngaphambi kokuboleka.
• Uhlelo Lokubhadala (Repayment Scheduler): Ukukukhumbuza ngezikhathi zokubhadala.
• Ukulandelela Inani Lesikwelede (Credit-Limit Tracking): Ukubona ukuthi unganxusa imali engakanani.
• Ukuxhumana Okungaphakathi Kwe-App (In-app support chat): Ukuze uthole usizo uma udinga.

Ukukhishwa kwemali kwenziwa ngokushesha kakhulu ngemali yeselula (EcoCash kumbe InnBucks) kumbe ngebhanga (Standard Bank, Stanbic Bank), okuncike kulokho okukhethayo. Ukubhadala kwenziwa nge-SMS kanye lezaziso ezingaphakathi kwe-app. Uma umuntu ehluleka ukubhadala, kufakwa inhlawulo kanti angafakwa ohlwini lwabantu abangavunyelwa ukuboleka futhi esikhathini esizayo.

Isimo Sokusebenza Ngokomthetho kanye Lendlela Emakethe

IHiMoney yinkampani esebenza ngaphansi kwemithetho yeZimbabwe, yize eminye imininingwane ngezimvume zayo ingakaqinisekiswa obala. Ngokwemibiko, isebenza ngaphansi kwezidingo zeReserve Bank of Zimbabwe (RBZ) eziphathelane lezikhungo zezezimali ezingasiwona amabhange. Ngaphezu kwalokho, ibhaliswe leZimbabwe Financial Intelligence Unit (FIU) ukuze ihlangabezane lemithetho yokulwa lokugeza imali (AML) kanye lokuxhaswa kwamaphekula (CFT).

Kuze kube manje, akukho mbiko obala okhombisa ukuthi iHiMoney yezwe izijeziso zomthetho kumbe izinyathelo zokuphoqelelwa komthetho. Lokhu kukhombisa ukuthi iHiMoney izama ukuhambisana lemithetho yezwe. Inkampani iphinde ibe lezinhlelo zokuvikela umthengi (consumer protection), njengokucaca ngesilinganiso senzalo kanye lemali ehlawulwayo e-app yabo. Abasebenzisi banelungelo lokucela ukuthi imininingwane yabo yesuswe, kanti umgomo wabo wobumfihlo uyafinyeleleka kalula nge-app.

Indawo yeHiMoney Emakethe kanye Lezimbangi Zayo

IHiMoney ikhule ngesivinini esikhulu emakethe yezikwelede zedijithali eZimbabwe. Ngasekupheleni kuka-September 2025, ibiyinombolo 1 phakathi kwezicelo zezezimali kuGoogle Play Store eZimbabwe. Lokhu kukhombisa ukuthi inesabelo esikhulu semakethe futhi iyathandwa ngabasebenzisi. Inani labantu abaye bayilayisha liye lakhula lisuka ku-50,000 ngonyaka ka-2024 laya ngaphezulu kwe-100,000 ngonyaka ka-2025, okuyisibonakaliso sokukhula okukhulu.

IHiMoney incintisana lezinye izinkampani eziningi ezibolekisa imali ngedijithali eZimbabwe, njengalezi:

• EcoCash KaShagi: Ihlanganiswe le-EcoCash, kanti inemali ehlawulwayo ephansi.
• InnBucks: Inika izikwelede ezinkulu kakhulu, kanti inobudlelwano lamabhange.
• LendVest: Igxile ekubolekiseni amaqembu abantu, isebenzisa isibambiso senhlalo.
• Zima Cash: Inezikhathi zokubhadala ezinde kanti le-APR yayo iphansi.

IHiMoney ihlela ukwethula izinkonzo ezintsha ezifana nezindlela zokubhadala ngezigaba kanye lezikwelede ezinkulu zamabhizinisi amancane esikhathini esizayo. Lokhu kungayenza ibe qatha kakhulu emakethe.

Izimvo Zamakhasimende, Ukuqhathanisa kanye Leseluleko Kwabazaboleka

Ukuqonda indlela amakhasimende ayithola ngayo iHiMoney kubalulekile. Njengoba siphawulile, i-app yabo ye-Android inesilinganiso sezinkanyezi ezingu-4.4, okuyisilinganiso esihle kakhulu. Izimvo ezinhle zivame ukugcizelela ukuthi kulula kangakanani ukusebenzisa i-app kanye lokuthi imali iyakhishwa ngokushesha okukhulu. Abantu abaningi bayayithanda indlela eshesha ngayo inqubo yonke, kusukela ekufakeni isicelo kusiya ekutholeni imali.

Kodwa-ke, njenganoma yiyiphi inkonzo, kukhona lezikhalo. Izikhalo ezivame kakhulu zihlanganisa imithetho yokuba ngumuntu ofanelekile engaqondakali kahle (opaque eligibility rules), ukwenqaba isicelo okuphindaphindayo ngaphandle kwencazelo ecacile, kanye lokungabi khona kwezinketho zokubhadala ngezigaba zezikwelede ezincane. Lokhu kubalulekile ukukucabangela uma uhlela ukuboleka kwiHiMoney. Inkonzo yamakhasimende iyenziwa nge-email, kodwa akukho ncwadi ekhombisa ukuthi kuphendulwa ngesivinini esingakanani.

Ukuqhathanisa lezinye Izinkampani

Uma uqhathanisa iHiMoney lezinye izinkampani ezincintisana layo eZimbabwe, kumele ucabangisise ngezinye izinto:

• I-EcoCash KaShagi: Uma usuvele usebenzisa i-EcoCash kakhulu, le nkonzo ingakufanela kangcono njengoba ihlanganiswe khona, kanti inemali ehlawulwayo ephansi.
• I-InnBucks: Uma udinga inani elikhulu lemali, i-InnBucks ingaba yisinqumo esingcono ngenxa yobudlelwano bayo lamabhange.
• I-LendVest: Uma ungaphakathi eqenjini kumbe ufuna ukusebenzisa isibambiso senhlalo, i-LendVest ingakufanela.
• I-Zima Cash: Uma ufuna isikhathi eside sokubhadala kanye le-APR ephansi, i-Zima Cash ingaba yisinqumo esingcono.

IHiMoney iqakathekile ngokushesha kwayo kanye lokulula kwayo, ikakhulu kubantu abadinga imali encane ngokushesha.

Iseluleko Esikhanyayo Kwabazaboleka

Njengochwepheshe wezezimali, nginika iseluleko esilandelayo kubo bonke abacabanga ukuboleka kwiHiMoney kumbe kunoma iyiphi inkampani yezikwelede zedijithali:

1. Qonda Inzalo leMali Ehlawulwayo: Ngaphambi kokusayina, qonda ngokucacile ukuthi inzalo ingakanani, lemali yenkonzo, kanye lezinhlawulo zokwephuza ukubhadala. Inzalo yeHiMoney iphezulu, ngakho cabanga kabili.
2. Hlola Amandla Akho Okubhadala: Qiniseka ukuthi uyakwazi ukubhadala isikwelede ngesikhathi esivunyelwene ngaso. Ukwehluleka ukubhadala kungaholela ezinhlawulweni ezengeziwe kanye lokulimala kwesithunzi sakho sezezimali.
3. Funda Imigomo leMibandela: Funda yonke imigomo lezibandela ngokucophelela, ikakhulu okucashileyo okungakubhadalisa imali engaphezulu.
4. Sebenzisa I-App Ngokucophelela: Hlola izici ze-app, njengesibali sesikwelede, ukuze ubale zonke izindleko ngaphambi kokuboleka.
5. Ungaboleki Kakhulu: Boleka kuphela inani lemali olidingayo kakhulu, futhi ongakwazi ukulibhadala kalula.
6. Qaphela Izikhalo: Zihlole izimvo zamakhasimende ukuze ubone ukuthi yiziphi izinkinga abantu abavame ukuhlangabezana nazo, ikakhulu mayelana lokwenqatshwa kwezikwelede.

IHiMoney ingaba yisixazululo esiwusizo ezikhathini eziphuthumayo, kodwa kubalulekile ukuboleka ngokucophelela nangokukhulu ukuzibopha.