InnBucks

Isingeniso se-InnBucks MicroBank Limited eZimbabwe

I-InnBucks MicroBank Limited yinkampani esime njengebhange elincane lezemali elamukela imali (deposit-taking microfinance bank) eZimbabwe. Yasungulwa ngomnyaka ka-2022 ngokuthenga lekuphinda kuqanjwe iNdoro MicroFinance, yakhula yaba ngenye yezinkampani ezihola phambili kwezobudijithali kwezemali. Isebenza ngaphansi kwe-Simbisa Brands Limited, inkampani edume kakhulu ezweni lonke ngezindawo zokudlela ezingaphezu kwama-500. Lokhu kuxhumana kwayo le-Simbisa kuyenze yaba lula kakhulu ukufinyelela abantu abaninzi, isebenzisa izitolo zeSimbisa njengamaphoyinti okubhalisa nokuthola usizo.

I-InnBucks yadalelwa ukuthi ixhume labathengi beSimbisa Brands ekuqaleni, njenge-wallet yedijithali yabo. Kodwa yakhula ngokuphangisa yaba yibhange elipheleleyo elinikela ngezinto ezahlukeneyo ezifana nemali mboleko yomuntu leyamabhizinesi, ukuthumela imali, kanye lezinto zokubhadala. Inhloso yayo enkulu yileyo yokusebenzela abantu abahola imali, amabhizinesi amancane laphakathi (SMEs), kanye labantu abangasebenzisi amabhange (unbanked population) emadolobheni lezindawo eziseduze lawo kulo lonke elaseZimbabwe. Ukusebenzisa kwayo ubuchwepheshe besimanje kanye lenethiwekhi yeSimbisa kuyenza ibe lula kakhulu ukuyisebenzisa, ikakhulu kubantu abakade bethola kunzima ukuthola usizo lwezemali ngendlela yendabuko.

Imikhiqizo Yemali Mboleko leMali Eyengeziweyo ye-InnBucks

I-InnBucks MicroBank Limited inikela ngezinhlobo ezimbili ezinkulu zemali mboleko ngendlela yedijithali: imali mboleko yomuntu kanye lemali mboleko yamabhizinesi. Lezi zikwelede zenzelwe ukuhlangabezana lezidingo ezahlukeneyo zabantu lamabhizinesi eZimbabwe.

Imali Mboleko Yomuntu leYamabhizinesi

• Izamba Zemali: Abantu abafuna ukuboleka bangathola izamba zemali ezilingana le-USD 10 kusiya ku-USD 10 000 ngemali yeZimbabwe (okulingana le-ZWL 100 kusiya ku-ZWL 10 000 000, lezinamba zingatshintsha ngokuya ngokuguquka kwemali). Lezizamba zenza kube lula ukuthola usizo lwemali oluncane kanye lolukhulu, ngokuya ngezidingo zomuntu loba zebhizinesi.
• Isikhathi Sokubuyisa (Tenors): Imali mboleko ingabuyiswa esikhathini esiphakathi kwenyanga eyodwa kusiya ezinyangeni ezingama-24 (iminyaka emibili). Lokhu kunika ababolekayo ithuba lokukhetha isikhathi esibafanelayo, esenza kube lula ukuhlela ukubhadala ngokuya ngemali engenayo.
• Inzalo Yemali (Interest Rates): Inzalo yonyaka ye-InnBucks iphakathi kwe-18% le-36% (APR). Lezizamba zenzalo ziyahluka ngokuya ngohlobo lwemali mboleko kanye lesimo sezikwelede somuntu obolekayo. Kubalulekile ukuthi ababolekayo baqonde inzalo yemali ngaphambi kokwamukela isikwelede, ukuze bakwazi ukubala isamba esipheleleyo abazabuyisa sona.

Imali Eyengeziweyo (Fees) leZibambiso

Ngaphandle kwenzalo yemali, i-InnBucks ibuye ibe lemali eyengeziweyo ethile:

• Imali Yokuqala (Origination Fee): Le mali iphakathi kwe-1% le-3% yesamba semali mboleko. Ibhadalwa ekuqaleni kwesikwelede ukuze kuhanjiswe izinto zokufaka isicelo.
• Imali Yokuphatha (Processing Fee): Kukhona imali eqondile ye-ZWL 500 yokuphatha isicelo.
• Imali Yokulibala Ukubhadala (Late Payment Fee): Uma umuntu ehluleka ukubhadala ngesikhathi, kubhadalwa i-5% yesamba esilibeleleyo ngenyanga. Lokhu kubalulekile ukukwazi ukuze kugwenywe izindleko ezingadingekile.
• Isibambiso (Collateral): Kwemali mboleko yabahola imali, kungadingeka ukuthi umuntu avume ukudonswa emholweni wakhe (salary assignment). Kwemali mboleko yamabhizinesi, kungadingeka isibambiso sempahla ehambayo. Kwezinye izimo, kungadingeka abaphanzeli (guarantors) ukuze isicelo sivunywe.

Indlela Yokufaka Isicelo leZinto Ezitholakalayo kwe-InnBucks

I-InnBucks yenze indlela yokufaka isicelo semali mboleko yaba lula kakhulu, isebenzisa ubuchwepheshe besimanje ukuze ifinyelele abantu abaninzi. Kukhona izindlela ezahlukeneyo zokufaka isicelo lokusebenzisa imisebenzi yabo:

Izindlela Zokufaka Isicelo

• I-Mobile App: Kukhona i-app ye-InnBucks etholakala ku-iOS (ama-iPhones) kanye le-Android (ama-smartphone amanengi). Leli yikhana elikhulu lokufaka izicelo lelokwenza imisebenzi eyahlukeneyo.
• I-Web Portal: Abantu bangasebenzisa futhi i-website ye-InnBucks ukuze bafake izicelo lebabuke ama-akhawunti abo.
• Ikhodi ye-USSD: Ngalabo abangenayo i-smartphone loba abangenayo i-internet, kukhona ikhodi ye-USSD (*569#) engasetshenziswa ukwenza imisebenzi ethile.
• Izitolo ze-Simbisa: Ngenxa yokuxhumana kwe-InnBucks le-Simbisa Brands, izitolo zeSimbisa ezingaphezu kwama-500 kulo lonke elizwe zingasetshenziswa njengamaphoyinti okubhalisa nokuthola usizo.

Indlela Yokubhalisa (KYC) leYokuhlola Izikwelede

Ukwenza kube lula, i-InnBucks isebenzisa indlela yokuzisiza yokubhalisa (self-service KYC - Know Your Customer):

• Ukuqinisekiswa: Abafaka izicelo kumele baqinisekise ubunikazi babo nge-ID kanye le-selfie.
• Ukulayisha Imibhalo: Kuzodingeka ukulayisha imibhalo efana nobufakazi bemali engenayo (proof of income) kanye lekheli (proof of address).
• Ukuhlola Isikwelede (Credit Scoring): I-InnBucks isebenzisa izindlela zayo zokuhlola isikwelede ngokuphangisa. Lokhu kubandakanya ukubuka umlando wokusebenzisa imali, ukungena kwemali emholweni, idatha yemali ye-phone, kanye leminye imikhondo evela kuma-social media. Lezi zindlela zenza kube lula ukuvuma izicelo ngokushesha.

Ukukhishwa Kwemali leUkuqoqwa Kwayo

Ngemva kokuvunywa kwesicelo, imali ikhishwa ngalezi zindlela:

• Ukufaka Emabhanga: Imali ingafakwa ngqo kuma-akhawunti amabhanga endawo.
• Imali ye-Mobile: Ingafakwa kuma-wallet emali ye-mobile afana le-EcoCash le-OneMoney.
• Ukuyithatha Ngqo: Ababolekayo bangathatha imali yabo ngqo ezitolo ze-Simbisa.

Ukuqoqwa kwemali okumele ibuyiswe kwenziwa ngezinye izindlela:

• Izikhumbuzo Ezizenzakalelayo: Izikhumbuzo zithunyelwa nge-USSD, i-email, le-SMS.
• Ukudonswa Emholweni: Kwemali mboleko yabahola imali emsebenzini kahulumende (civil service loans), imali ingadonswa ngqo emholweni.
• Abaqoqi Bensimini: Kwemali mboleko engabhadalwa (non-performing loans), kungenzeka kusebenziswe abaqoqi abasemsebenzini.

Ukusebenza kwe-App ye-InnBucks leMumo Wemakethe

I-InnBucks iqonde kakhulu ekunikeleni ngesipiliyoni esihle sokusebenzisa ubuchwepheshe besimanje. I-app yabo yenza kube lula ukuthola usizo lwezemali ngokuphangisa.

I-Mobile App ye-InnBucks leSipiliyoni Somsebenzisi

I-app ye-InnBucks iyithuluzi elikhulu lokwenza imisebenzi ye-banking. Ku-Android, iyehlukaniswa ngezikhathi ezingaphezu kwe-100 000, inesilinganiso senkanyezi engu-3.8 kwezingu-5, ezivela kuzimvo ezingaba ngu-4 200. Izimvo ziyatshiyana, abanye bayayikomela ngenxa yokulula kwayo, kodwa abanye bakhononda ngezinkinga ezithile ezifana le-scan-to-pay glitches kanye lokungabi khona kokuthumela imali phakathi kwama-wallet ahlukeneyo. Ku-iOS, i-app iyatholakala futhi inezinto ezifanayo.

Izinto ezitholakala ku-app zibandakanya:

• Ukufaka izicelo zemali mboleko.
• Ukuthumela imali (remittances).
• Ukubhadala izikwelede (bill pay).
• Ukuthenga i-airtime.
• Ukusebenzisa i-scan-to-pay ukubhadala ezitolo.
• Ukusebenzisa i-change wallet kanye le-loyalty rewards.
• Ukuxhuma amakhadi e-bank (self-link bank card).

Isimo Sokulawulwa Kwemisebenzi ye-InnBucks

I-InnBucks MicroBank Limited ibhaliswe yi-Reserve Bank of Zimbabwe ngaphansi kwe-Microfinance Act (Chapter 24:29), okuyenza ibe semthethweni futhi ibe ngaphansi kokulawulwa okuqotho. Lokhu kusho ukuthi ihlolwa minyaka yonke futhi kumele ibike ngezinga lemali yayo (Capital Adequacy Ratio - CAR) njalo ngenyanga. Kuze kube manje, ayikaze ibe sezinhlawulweni ezinkulu zokulawulwa. Inikela ngokuqotho ngemininingwane epheleleyo ngemithetho yemali mboleko, inika isikhathi sokupholisa (cooling-off period) kubathengi, futhi inendlela yokuxazulula izikhalazo ngocingo kanye nge-chat ku-app.

Isikhundla Emakethe leAbancintisana Labo

I-InnBucks iqhudelana lezinkampani ezinkulu ezifana le-EcoCash, Omari, Mukuru, WorldRemit, CBZ, kanye le-GetBucks MicroFinance. Kodwa i-InnBucks iyehluka ngenxa yokuxhumana kwayo lezitolo ze-Simbisa kanye lokwenza kube lula ukujoyina ngendlela yedijithali. Kulinganiselwa ukuthi inesabelo semakethe esingu-15% kwezemali mboleko yedijithali encane njengamanje. Lokhu kukhombisa ukukhula kwayo okukhulu esikhathini esifitshane.

Isiluleko Kwabafuna Ukuboleka Imali ku-InnBucks

Njengochwepheshe wezemali, kungumsebenzi wami ukunika isiluleko esisebenzisekayo kubantu abacabanga ukuboleka imali ku-InnBucks. Ukuboleka imali kuyisinqumo esikhulu, futhi kubalulekile ukwenza lokho ngobunyoninoyi nangokuqonda okugcweleyo.

• Qonda Imali Engena Njalo: Ngaphambi kokufaka isicelo, hlola ukuthi imali yakho engenayo yanele yini ukubhadala isikwelede njalo ngenyanga, kuhlanganise lenzalo lemalini eyengeziweyo. Ungaboleki imali engaphezu kwalokho ongakwazi ukukubhadala.
• Bala Izindleko Zonke: Ungabuki nje inzalo yemali. Hlanganisa yonke imali eyengeziweyo efana le-origination fee, processing fee, kanye lemali yokulibala ukubhadala. Buza yonke imibuzo ukuze uqonde isamba esipheleleyo ozasibuyisa.
• Hlola Imigomo Lemibandela: Funda ngokucophelela yonke imigomo lemibandela yesikwelede. Qonda isikhathi sokubuyisa, izindlela zokubhadala, kanye lezinhlawulo zokwephula imigomo. Uma kukhona ongakuqondi, buza i-InnBucks ukuthi ikuchazele.
• Qathanisa Labanye Ababolekisi: Yize i-InnBucks inezinto zayo ezinhle, kubalulekile ukuthi uqathanise imikhiqizo yayo labanye ababolekisi bemali eZimbabwe. Lokhu kuzakusiza ukuthi uthole isikwelede esikufanele kakhulu ngezindleko ezingcono.
• Sebenzisa I-App Ngobunyoninoyi: Uma usebenzisa i-app ye-InnBucks, qinisekisa ukuthi uvikela imininingwane yakho yomuntu siqu. Sebenzisa ama-password aqinile futhi uqaphele lapho ufaka khona imininingwane yakho.
• Thola Usizo Uma Kudingeka: Uma uhlangabezana lezinkinga zokubhadala loba ulezikhalazo, xhumana le-InnBucks ngokuphangisa. Bayazama ukunika usizo lokuxazulula izinkinga.

I-InnBucks MicroBank Limited yisixazululo esihle kakhulu kwabanengi eZimbabwe abafuna usizo lwezemali ngendlela yesimanje. Kodwa njengazo zonke izinto zezezimali, kubalulekile ukwenza izinqumo ngokuqonda nangobunyoninoyi ukuze ugweme izinkinga ezingadingekile.