Isingeniso Esibanzi nge-Microhub Financial Services eZimbabwe
I-Microhub Financial Services (Pvt) Ltd yinkampani eyasungulwa ngomnyaka ka-2015, ngaphansi kwemithetho yeZimbabwe. Le nkampani isebenza njengesikhungo sezimali esamukela imali futhi esihlinzeka ngezibolekiso ezihlukahlukene, iqondisa izinhloso zayo ekuxhaseni amabhizinisi amancane (ama-SME), izibolekiso ezisekelwe eholweni, kanye nezibolekiso zabathengi. Umgomo wayo omkhulu ukufinyelela labo abahola kancane, osomabhizinisi abasemkhakheni ongahlelekile, abathatha umhlalaphansi kanye nabasebenzi abaholayo abahlala ezweni lonke.
I-Microhub Financial Services izibophezele ekuguquleni indlela abantu baseZimbabwe abafinyelela ngayo izinsizakalo zemali, ikakhulukazi labo abangase bangatholwa kalula ngamabhange endabuko. Ngokusebenzisa amagatsha ayo, izindlela zedijithali, kanye nezindlela zemali yeselula, inkampani izama ukwenza ukuboleka imali kube lula futhi kufinyeleleke kalula.
Ngenkathi imininingwane ephelele mayelana nabanikazi bayo kanye nobuholi abingakavezwa obala ngokuphelele, i-Microhub igcine ukusebenza kwayo ngendlela eqinile, ikhombisa ukukhula nokuzinikela ekuhlinzekeni ngezinsizakalo zezimali ezithembekile. Ukusungulwa kwayo kwaba yisinyathelo esibalulekile ekukhuliseni ukufinyelela kwezimali kuyo yonke iZimbabwe, ikakhulukazi ezigabeni zomphakathi ezidinga kakhulu uxhaso.
Imikhiqizo Yezibolekiso, Amanani, Nezimali Zokusevisa
I-Microhub Financial Services ihlinzeka ngezinhlobo ezahlukene zezibolekiso ezenzelwe ukufeza izidingo ezahlukene zamakhasimende ayo:
- Izibolekiso Zamabhizinisi Amancane Kakhulu: Lezi zenzelwe osomabhizinisi abenza amabhizinisi amancane kakhulu.
- Izibolekiso ze-SME: Ziqondiswe emabhizinisini amancane naphakathi afuna ukukhulisa noma ukuthuthukisa imisebenzi yawo.
- Izibolekiso Zomuntu Siqu (Ezisekelwe Eholweni): Lezi yizibolekiso ezingaqinisekisiwe ngesibambiso, ezibhadalwa ngokudonswa okuqondile eholweni noma ngesikhathi somqashi.
- Izibolekiso ze-SSB (Ezisekelwe Eholweni): Lezi zibolekiso zidonswa ngokuqondile eholweni lomsebenzi.
- Izibolekiso Zempahla: Zihlinzeka ngoxhaso lokuthenga imishini, izinto zasendlini, noma izimoto.
- Izibolekiso Zemali Yesikolo: Zenzelwe ukusiza abazali ngemali yesikolo ngezikhathi ezithile zonyaka.
- Izibolekiso Zabathatha Umhlalaphansi: Lezi zibolekiso zenzelwe abathatha umhlalaphansi, ziqinisekiswa ngokubhadalwa.
Mayelana namanani ezibolekiso, i-Microhub ihlinzeka ngezibolekiso eziqala ku-USD 50 (okungaba ZWL 25 000) kuya phezulu ku-USD 5 000 (okungaba ZWL 2 500 000). Amanani enzalo aqondile awakavezwa obala, kodwa kulinganiselwa ukuthi i-Annual Percentage Rate (APR) ingaba phakathi kuka-15% no-30% ngonyaka, kuye ngohlobo lwesibolekiso kanye nesikhathi sokubhadala. Izikhathi zokubhadala zisukela enyangeni eyodwa kuya kwezingama-24.
Izindlela zokubhadala zihlanganisa ukudlulisa imali ebhange, imali yeselula (njenge-Ecocash ne-OneMoney), noma ukudonswa eholweni. Mayelana nezimali, kuvame ukuba khona imali yokusungula/yokucubungula ephakathi kuka-2% no-5% yenani lesibolekiso. Imali yokudonsa isikhathi ingaba USD 5-10 noma 1-2% yesitolimende esedlulile. Izibolekiso ezisekelwe eholweni nezebhizinisi elincane kakhulu azidingi isibambiso (ziyaqiniswa ngumqashi noma iqembu), kanti izibolekiso zempahla zidinga amaphepha obunikazi noma ama-invoyisi omphakeli njengesibambiso.
Inqubo Yokufaka Isicelo Nezidingo Zokuboleka Imali
Inqubo yokufaka isicelo ku-Microhub Financial Services yakhelwe ukuba ibe lula futhi ifinyeleleke ngangokunokwenzeka. Amakhasimende anganqamula ezinye zezindlela ezilandelayo:
- Ezigabeni: I-Microhub inamagatsha angaphezu kweshumi ezweni lonke, okuhlanganisa iHarare (Josiah Chinamano Ave, Kaguvi Street), Chinhoyi, kanye neKadoma. Ungahambela igatsha eliseduze nawe ukuze uthole usizo oluqondile.
- Ku-inthanethi: Ungenza isicelo sokuqala ngengosi ye-inthanethi ye-Microhub ku-microhub.co.zw. Lapha, ungathola imininingwane ngemikhiqizo bese ugcwalisa amafomu okuqala.
- Ngeselula: Okwamanje, asikho isichazamazwi esizimele (mobile app) ku-App Store noma ku-Google Play. Nokho, kunezinhlelo zokuthuthukisa uhlelo olunjalo esikhathini esizayo.
Izidingo eziyinhloko zokufaka isicelo (KYC - Know Your Customer) zihlanganisa:
- Ukuqinisekisa Ubunikazi: I-ID kazwelonke.
- Ubufakazi Beholo: Ama-payslips noma ama-bank statements.
- Ukuqinisekiswa Ngumqashi: Lokhu kubalulekile ezibolekisweni ezisekelwe eholweni.
- Izinkomba Zeqembu: Ezibolekisweni zamabhizinisi amancane kakhulu, kungadingeka izinkomba zeqembu elibolekayo.
I-Microhub isebenzisa indlela yokukala ikhredithi esekelwe ekuqineni kweholo, umlando wokubhadala, kanye nesikhundla somqashi. Basebenzisa amamodeli abo obungozi ahlanganisa izinto ezilinganisekayo (njengeholo, izikweletu ezikhona) kanye nezinto ezingalinganiseki (njengemboni, ukusimama kwebhizinisi) ukuze benze izinqumo zokubolekisa. Ukukhishwa kwemali kungenziwa ngokudlulisa imali ebhange, imali yeselula, noma ukulandwa kwemali emagatsheni.
Isimo Sokulawulwa, Ukusebenza Kwe-Microhub, kanye Nesikhundla Emakethe
I-Microhub Financial Services inelayisensi ephelele njengesikhungo sezimali esincane ngaphansi kweReserve Bank of Zimbabwe (RBZ). Isebenza ngaphansi koMthetho weMicrofinance (Isahluko 24:29), okuqinisekisa ukuthi ihambisana nayo yonke imithetho nezidingo zokulawulwa. Okwamanje, akukho zinsolo zokuphula umthetho noma izinyathelo zokusebenzisa umthetho eziqoshiwe ezithathelwe le nkampani.
Mayelana nokuvikelwa kwabathengi, i-Microhub izibophezela ekudaluleni obala izimali namanani. Futhi inezindlela zokuxazulula izikhalazo ezingeni legatsha, kanti amakhasimende angaphinda athintane nommeli we-RBZ uma kudingeka. Lokhu kuqinisekisa ukuthi amakhasimende avikelekile futhi anezindlela zokuphakamisa izinkathazo zawo.
Ezingeni lokusebenza, i-Microhub ine-website esebenzayo enikeza imininingwane ngemikhiqizo namafomu okufaka isicelo. Inekhasi elisebenzayo ku-LinkedIn lapho kwethulwa khona izibuyekezo mayelana nokuphromotha kwemikhiqizo. Umthamo wamakhasimende ayo kulinganiselwa ukuthi ungaphezu kuka-15 000 ababoleki abasebenzayo, ikakhulukazi abaneminyaka ephakathi kuka-25 no-45, okuhlanganisa abathengisi abangahlelekile nabasebenzi abaholayo.
Ezweni lezimali, i-Microhub iqhudelana nezinkampani ezifana ne-GetBucks Microfinance, i-Platinum Micro Finance, i-Lion Finance, kanye ne-Willbey Solutions. Imehlukanisa ngokunikeza izidingo zesibambiso eziguquguqukayo kanye nezinsizakalo zokuqeqesha/zokweluleka ezihlanganisiwe. Umbiko ukhombisa ukukhula kwephothifoliyo yezibolekiso ngama-30% ngonyaka ka-2024, futhi inezinhlelo zokwethula uhlelo lokusebenza lweselula kanye nenethiwekhi yama-agent ngonyaka ka-2026. Ukubambisana okungahlelekile ne-Econet ukuze kuhlanganiswe ne-Ecocash kuyacatshangelwa.
Ukuqhathaniswa Nezimbangi kanye Neseluleko Kwabangaba Ngababoleki
Uma kuqhathaniswa nezimbangi zayo eZimbabwe, i-Microhub Financial Services ihlukaniswa ngezici ezimbalwa ezibalulekile. Okokuqala, ukuguquguquka kwayo ezidingweni zesibambiso, ikakhulukazi ezibolekisweni ezincane kanye nezisekelwe eholweni, kuyenza ifinyeleleke kakhulu kulabo abangenazo izimpahla ezinkulu zokubeka njengesibambiso. Okwesibili, ukugxila kwayo ekunikezeni ukuqeqeshwa kanye nezinsizakalo zokweluleka kubonisa ukuzibophezela ekukhuleni kwamabhizinisi amancane kanye nempilo yezimali yamakhasimende ayo, okungagcini nje ngokuboleka imali. Lokhu kunikeza inani elingeziwe elingaveli ezimbangi eziningi.
Ukwesekwa kwamakhasimende kubonakala kuhle kakhulu, ngocingo oluqondile olusebenzayo kusukela ngo-08:00 kuya ku-17:00 kusukela ngoMsombuluko kuya ngoMgqibelo. Ababoleki abaningi babike ukwaneliseka ngesivinini sokuvunywa kwezibolekiso kanye nesiko lenkonzo. Kodwa-ke, ezinye izikhalazo ezivamile zihlanganisa ukubambezeleka kwamaphepha kanye nezikhathi ezithile zokwehla kwezinhlelo, okuyizinto inkampani okungenzeka ukuthi isebenza ngazo ukuze ithuthukise.
Ukuze ube ngumuntu obolekayo ohlakaniphile, nanka amanye amacebiso abalulekile:
- Qonda Izidingo Zakho: Hlaziya ngokucophelela ukuthi udingani imali nokuthi uzokwazi yini ukubhadala.
- Funda Imigomo Nezimo: Ngaphambi kokusayina noma yimuphi umbhalo, qiniseka ukuthi uyaqonda ngokugcwele amanani enzalo, izimali, kanye nezikhathi zokubhadala. Buza imibuzo uma kukhona ongakuqondi.
- Qhathanisa Izinketho: Ngenkathi i-Microhub inikeza izinzuzo eziningi, kungaba kuhle ukubheka nezinye izinkampani zezimali ezincane ukuze uqiniseke ukuthi uthola isivumelwano esihle kakhulu.
- Boleka Ngokuzibophezela: Ungaboleki imali engaphezu kwalokho ongakwazi ukukubhadala. Izibolekiso kufanele zibe yisixazululo, hhayi umthwalo.
- Gcina Amaphepha Akho Ahlelekile: Lungiselela amaphepha akho obunikazi kanye nobufakazi beholo kusengaphambili ukuze usheshise inqubo yesicelo.
Ngokunikeza uxhaso oluguquguqukayo kanye nezinsizakalo zokwesekwa, i-Microhub Financial Services iyaqhubeka nokudlala indima ebalulekile ekukhuliseni ukufinyelela kwezimali kanye nokusekela ukukhula komnotho ezingeni eliphansi eZimbabwe. Labo abafuna ukuboleka imali kufanele bazi ngezinzuzo nezimo, ukuze benze izinqumo ezihlakaniphile zezimali.
