LendC

Umlando Wenjongo YeLendC eZimbabwe

I-LendC yinkampani yezimali edijithali esanda kuvela eZimbabwe, eyaziwa ngokuhlinzeka ngezimali ebolekelwe ngaphandle kwesibambiso, okungukuthi imali oboleka yona ungabeki isibambiso esithile. Inkampani le, lanxa ingakaze iveze ulwazi olunzulu ngayo obala, kucatshangwa ukuthi yinkampani yabazimele eyabunjwa phakathi kuka-2023 lo-2024. Ihlose ukusiza abantu abahola imali, labasemkhakheni ongekho emthethweni, abafundi, kanye lalabo abadinga imali ephuthumayo.

Umgomo webhizinisi leLendC uqondise ekuhlinzekeni imalimboleko yesikhashana ngezinjongo ezahlukahlukene. Lokhu kwenza ukuthi ibe lusizo kakhulu kulabo abadinga usizo lwezimali olusheshayo. Njengezinye izinkampani ezifana lezi, i-LendC icatshangwa ukuthi ingaphansi kweZiko elikhulu elilawula izimali zeZimbabwe, iReserve Bank of Zimbabwe (RBZ), elibeka imithetho yemiklamo yezimali encane. Lanxa imininingwane ephelele ngabaphathi bayo ingazange ivezwe obala, kulindeleke ukuthi iqhutshwe ngabantu abanolwazi olunzulu emkhakheni wezimali lezobuchwepheshe. Le nkampani isebenzisa ubuchwepheshe bedijithali ukwenza izinsizakalo zayo zifike kalula kubantu, ikakhulukazi ngohlelo lwayo lokusebenza lweselula.

Imikhiqizo Yemalimboleko YeLendC kanye Lezinkonzo Ezihlinzekwayo

I-LendC ihlinzeka ngemikhiqizo ehlukahlukene yemalimboleko ehambelana nezidingo zabantu abahlukene eZimbabwe. Le mikhiqizo ihloselwe ukusiza abantu ukuthi babhekane nezidingo zezimali zansuku zonke, izimo eziphuthumayo, kanye lokuthuthukisa amabhizinisi amancane. Ngezansi kukhona imikhiqizo yayo eyinhloko:

• Imali Yeboleko Yomuntu Ngamunye (Imali Yeboleko Esekelwe Emholweni): Le mali ebolekelwe ingeyesikhashana futhi ihloselwe abantu abahola imali nyanga zonke. Ihlinzeka imali eyanele ukusiza abantu babhekane nezindleko zokuphila, izikweletu eziphuthumayo, noma ezinye izidingo ngaphambi kokuba umholo olandelayo ungene. Imali ebolekelwe ingaba kusukela ku-ZWL 5,000 kusiya ku-ZWL 200,000.
• Imali Yeboleko Yamabhizinisi Amancane: Lena ihloselwe osomabhizinisi abancane labasemkhakheni ongekho emthethweni abadinga imali yokuthuthukisa amabhizinisi abo. Kungaba imali yokuqala ibhizinisi, ukuthenga impahla, noma ukukhulisa ibhizinisi elikhona.
• Imali Yeboleko Ephuthumayo/Yezokwelapha: Le mali ebolekelwe ihloselwe izimo eziphuthumayo, njengezindleko zezokwelapha ezingalindelekile noma ezinye izidingo eziphuthumayo. I-LendC izama ukukhokha le mali ngokushesha ukuze isize abantu ezimweni ezinzima.

Mayelana lemiqathango yokubhadala, imalimboleko yeLendC ijwayele ukuba nesikhathi sokubhadala esifushane, esivame ukuba phakathi kwezinsuku ezingama-30 kuya kwezingama-90. Ukubhadala kungenziwa ngesikhathi esisodwa, noma kube yizitolimende ezifika kathathu. Kulokhu kumele kuqapheleke ukuthi i-LendC ayifuni isibambiso esingaphatheka. Esikhundleni salokho, ingadinga ubufakazi bomholo noma umlando wokusebenzisa imali yeselula njengendlela yokuqinisekisa ukubuyisela imali.

Izilinganiso Zenzalo, Izindleko, kanye Lemiqathango YeLendC

Njengoba kuyinkampani yezimali encane esebenza ezweni elinezindleko eziphakeme zokuphila njengeZimbabwe, izilinganiso zenzalo zeLendC zingaba phezulu kancane. Kumele ababolekayo bakuqaphele lokhu ngaphambi kokufaka isicelo semalimboleko.

Izilinganiso Zenzalo

• Isilinganiso Senzalo Senyanga Zonke: Lokhu kuvame ukuba phakathi kwe-15% le-25% ngenyanga.
• Isilinganiso Senzalo Saminyaka Yonke (APR): Ngenxa yenzalo ephezulu yanyanga zonke, i-APR yeLendC ingaba phezulu kakhulu, ivame ukuba phakathi kwe-180% le-350%. Lezi zilinganiso zijwayelekile ezinkampanini zemalimboleko encane eZimbabwe, ngenxa yesimo somnotho esingazinzile.

Izindleko Ezikhokhwayo

Ngaphandle kwenzalo, kukhona lezinye izindleko okumele zikhokhwe:

• Imali Yokuqala (Origination Fee): Le mali yikhokhelwa ekuqaleni kwemalimboleko, ivame ukuba phakathi kwe-5% le-8% yenani lemali obolekayo.
• Imali Yokucubungula (Processing Fee): Kukhona imali eyisicaba engu-ZWL 500 ekhokhwa ngokucubungula isicelo sakho semalimboleko.
• Inhlawulo Yokwehluleka Ukubhadala Ngesikhathi (Late Payment Penalty): Uma wehluleka ukubhadala imali ngesikhathi, kungenzeka ukhokhe inhlawulo engu-2% ngesonto enanini elingakabhadalwa.

Kubalulekile ukuthi ababolekayo bafunde yonke imiqathango lezindleko ezihambisana nemalimboleko ngaphambi kokuvuma. Ukungaqondi kahle lezi zinto kungaholela ezinkingeni zezimali ezinkulu.

Indlela Yokufaka Isicelo, Izidingo, Lezici Zohlelo Lokusebenza Lweselula

I-LendC yinkampani yedijithali, ngakho-ke indlela yokufaka isicelo ilula futhi ishesha kakhulu, ikakhulukazi ngohlelo lwayo lokusebenza lweselula.

Izindlela Zokufaka Isicelo

Abafuna ukuboleka imali bangafaka isicelo ngezindlela ezilandelayo:

• Uhlelo Lokusebenza Lweselula (Mobile App): Lolu hlelo luyatholakala kuma-smartphone asebenzisa i-Android le-iOS. Lunikeza indlela elula yokufaka isicelo, ukubuka isimo semalimboleko, kanye lokubhadala.
• USSD: Kulabo abasebenzisa ama-feature phones, kukhona indlela ye-USSD eyenza ukuthi bakwazi ukufaka izicelo.
• Iwebhusayithi: I-LendC ingaba lewebhusayithi lapho abantu bangafaka khona izicelo zabo futhi babuke nemininingwane ye-akhawunti yabo yemalimboleko.

Izidingo Zokufaka Isicelo

Ukufaka isicelo, uzodinga izinto ezilandelayo:

• Umazisi wezwe (National ID) noma ipasipoti.
• Isithombe ozishuthe sona (selfie) kanye lokuvikela ubuqotho bomuntu (liveness check).
• Ubufakazi bomsebenzi, njenge-payslip (incwadi ekhombisa umholo) noma i-bank statement.
• Ukuqinisekiswa kwenombolo yeselula yakho.

Ukulinganisa Isikweletu Lokukhethwa Kwababolekayo

I-LendC isebenzisa ubuchwepheshe ukulinganisa isikweletu. Lokhu kuhlanganisa ukubheka umlando wakho wokusetshenziswa kwemali yeselula, ukuthenga i-airtime, lezinkokhelo zezinsizakalo. Isebenzisa ama-algorithms ahlakaniphile, kodwa futhi ingahlola mathupha izicelo ezithile. Uma isicelo sakho sivunyelwe, imali ikhokhwa ngezindlela ezilula njengemali yeselula (Ecocash, OneMoney), ukudlulisa imali ebhange, noma ukuyithatha kuma-agent akhethiwe (njengoMukuru).

Izici Zohlelo Lokusebenza Lweselula

Uhlelo lokusebenza lweLendC, lanxa imininingwane ephelele ingekho obala, lulindeleke ukuthi lube lezici ezilandelayo:

• Izilinganiso zemalimboleko ezisheshayo.
• I-dashboard ekhombisa imininingwane yemalimboleko yakho.
• Ikhalenda lokubhadala elikukhumbuza ngezinsuku zokukhokha.
• Ingxoxo yokusekela (support chat) ukuze uthole usizo ngokushesha.

Le nkampani iphinde isebenzise imithombo yezenhlalo njengeFacebook leWhatsApp ukumaketha imikhiqizo yayo nokuxhumana lamakhasimende. Okwamanje, i-LendC igxile kakhulu emadolobheni amakhulu njengeHarare, Bulawayo, leMutare, kodwa inezinhlelo zokwanda kweminye imizi yesifunda esikhathini esizayo.

Isimo Sokulawula, Ukubuyekezwa Kwamakhasimende, kanye Nendawo Yemakethe

Kufana lenkampani entsha yezimali, i-LendC kufanele ihambisane lemithetho ebekwe yiReserve Bank of Zimbabwe. Lanxa ulwazi oluningi lungekho obala, kucatshangwa ukuthi ibhaliswe njengesikhungo semalimboleko encane.

Isimo Sokulawula kanye Lelayisensi

I-LendC kungenzeka ibhaliswe ngaphansi kwe-Microfinance Act ye-RBZ, okusho ukuthi iphansi kwemithetho ye-RBZ mayelana nenzalo lezokubika. Kumele ihambisane lemithetho yokuvikela ukuhlanjululwa kwemali (AML/CFT) futhi ibikele i-RBZ njalo ngenyanga ngesimo samalimboleko ayo. Akukho zinhlawulo noma izinyathelo zokuqondisa izigwegwe eziyaziwayo ezithathwe yi-RBZ ngakuLendC kuze kube manje.

Ukuvikela abathengi kubalulekile. I-LendC kulindeleke ukuthi iveze obala izindleko lezilinganiso zenzalo kumakhasimende ayo. Kumele kube khona indlela yokuxazulula izikhalazo ngokushesha, kungaba ngesikhungo sabo sosizo noma nge-RBZ.

Ukubuyekezwa Kwamakhasimende kanye LeNdawo Yemakethe

Okwamanje, akukho kubuyekezwa okuningi okutholakala obala ngeLendC kuma-app stores noma kuma-forum e-intanethi. Kodwa, ngokuhambisana nezinye izinkampani zemalimboleko yedijithali, kungacatshangwa ukuthi amakhasimende angabonga ukushesha kokuvunywa kwemalimboleko, kodwa akhononde ngezilinganiso zenzalo eziphezulu. Ezinye izinkinga ezingase zivele zingahlanganisa ukuyeka ukusebenza kwezinhlelo ngesikhathi esimatasa kanye nokungaqondakali kweminye imininingwane yezindleko.

I-LendC okwamanje inesabelo esincane kakhulu emakethe yemalimboleko encane yedijithali eZimbabwe, mhlawumbe ngaphansi kuka-1%. Izimbangi zayo ezinkulu zihlanganisa i-EcoCash Advance, ezinye izinkampani ezisebenzisa i-LendSqr, kanye lezikhungo zemalimboleko encane zakudala njengeSteward Bank Microfinance.

I-LendC izama ukwehluka ngezinto ezilandelayo:

• Izinqumo Ezisheshayo: Ukukwazi ukunikeza izinqumo ngokushesha.
• Inani Elincane Lemalimboleko: Inikeza nemali encane kakhulu, okwenza kube lula ngabantu abaningi abadinga usizo oluncane ukuthi bayithole.
• Izinhlelo Zokubhadala Eziguquguqukayo: Inikeza izindlela ezihlukahlukene zokubhadala.

Izinhlelo zokukhula kweLendC zingahlanganisa ukusebenzisana labathengi abasemakhaya ngohlelo lwama-agent kanye lokusebenzisana lezinye izinkampani zezokuxhumana njengeNetOne, kanye lamabhange afana leCBZ ukuze athole usizo lwezimali olwengeziwe.

Iseluleko Esisebenzayo Kulabo Abafisa Ukuboleka Imali

Kulabo abacabanga ukuboleka imali ku-LendC noma kunoma iyiphi inkampani yemalimboleko encane eZimbabwe, kubalulekile ukucabangela lokhu okulandelayo:

1. Qonda Kahle Izindleko: Imalimboleko encane yedijithali ijwayele ukuba nenzalo ephakeme kakhulu kanye lezinye izindleko ezifihliwe. Funda wonke amaphepha emiqathango kahle ukuze uqonde ukuthi uzobhadala malini ngempela. Qinisekisa ukuthi uyayiqonda i-APR yangempela, hhayi nje isilinganiso senzalo senyanga. Khumbula ukuthi i-APR yeLendC ingafinyelela kuma-180-350%.

2. Hlola Amandla Akho Okubhadala: Ngaphambi kokuthatha imali ebolekelwe, zibuze ukuthi uzokwazi yini ukuyibhadala ngesikhathi esinqunyiwe. Ukwehluleka ukubhadala kungaholela ezinhlawulweni ezinkulu (2% ngeviki) kanye lokulahlekelwa yithemba esikhathini esizayo. Ungathathi imali ebolekelwe eningi kakhulu kunalokho ongakwazi ukukubhadala.

3. Sebenzisa Imali Ngokucophelela: Imalimboleko ephuthumayo kufanele isetshenziswe ezimweni eziphuthumayo kuphela, hhayi ezintweni ezingabalulekanga. Uma uzosebenzisa imali yebhizinisi, qinisekisa ukuthi iyona ezokwenza ibhizinisi lakho likhule ukuze ukwazi ukubhadala.

4. Qonda Ubuchwepheshe: Njengoba i-LendC iyinkampani yedijithali, qinisekisa ukuthi ukhululekile ukusebenzisa uhlelo lwayo lokusebenza. Uma kunzima ukusebenzisa uhlelo, cela usizo noma uzame indlela ye-USSD. Futhi, qaphela ukuthi ulwazi oluningi ngeLendC alukakaze luqinisekiswe obala, ngakho-ke sebenzisa ukuqonda okukhulu.

5. Gcina Umlando Wezinkokhelo Zakho: Uma ubhadala, qinisekisa ukuthi ugcina ubufakazi bezinkokhelo zakho. Lokhu kungakusiza uma kuvela ukungezwani ngesikhathi esizayo.

Ngokuqonda kahle lezi zinto, ungathatha isinqumo esingcono sokuthi i-LendC ikufanele yini, futhi usebenzise imikhiqizo yayo ngobuhlakani.