MoneyMart Finance

Isisekelo seMoneyMart Finance kanye Nezinto Eziyinhloko eZimbabwe

I-MoneyMart Finance (Private) Limited, ephinde yaziwe nge-MMF, yisikhungo sezimali esizinze kakhulu kulesi sikhathi esidijithali eZimbabwe. Yasungulwa ngomnyaka ka-2013 yaseqala ukusebenza ngomnyaka ka-2014, ngemuva kokuthola ilungelo lokunika abantu amalimboleko kwiBhange Elikhulu LeZimbabwe (Reserve Bank of Zimbabwe). Injongo yayo enkulu yikufaka wonke umuntu kwezomnotho, ikakhulukazi labo abasemkhakheni ongahlalisekanga, abantu abasebenza emabhizinisini amancane laphakathi (MSMEs), abesifazane (abenza cishe amaphesenti angama-70 amakhasimende ayo), kanye labantu abasha ezindaweni eziseduze lamadolobha lezemakhaya.

Ngaphansi kobuholi obuqotho bukaDokotela Ethel Chiwara Mupambwa, onguMsunguli kanye loMphathi Omkhulu Weqembu, i-MoneyMart Finance isisebenze ukuba yisisekelo esiqinile kulabo abadinga usizo lwezimali kodwa abangazitholi izinsizakalo ezijwayelekile kumabhange amakhulu. Bazama ukunika amalimboleko ahambelana nezidingo zamakhasimende, besebenzisa izindlela zedijithali kanye lamagatsha abo atholakala ezindaweni ezitshiyeneyo. Lokhu kubenza babe “liBhange labantu abasemkhakheni ophansi,” okutsho ukuthi banika usizo olukhulu kulabo abadinga ukuthuthukisa izimali zabo ezincane.

Lo mhloli wezomnotho uyazisa indlela i-MoneyMart Finance esebenza ngayo ukufinyelela abantu abaningi kuleli lizwe. Ngokusebenzisa ubuchwepheshe obutsha lezindlela zokusebenza ezilula, bakhanya besenza umehluko omkhulu ezimpilweni zabantu abaningi baseZimbabwe, ikakhulukazi labo abahlala kude lamathuba emali ajwayelekile. Ukwandiswa kwegatsha labo, kanye lokuhlanganisa ubuchwepheshe bezimali (fintech) kanye lokugxila emkhakheni ongahlalisekanga, kubeka i-MoneyMart Finance njengesinye sezikhungo ezihola phambili ekunikezeni amandla omnotho wabantu abavamile eZimbabwe.

Imikhiqizo Yemalimboleko Lezinsizakalo Ezinikezwa yi-MoneyMart Finance

I-MoneyMart Finance inikeza uhla olubanzi lwemikhiqizo yemalimboleko eyenzelwe ukuhlangabezana nezidingo ezitshiyeneyo zamakhasimende ayo eZimbabwe. Lokhu kukhombisa ukuthi bayakwazi ukuqonda izimo ezahlukene zabantu abasebenza emabhizinisini amancane lezomnotho wemakhaya. Imali yemalimboleko iyahlukahluka, iqala ku-USD 100 ize ifike ku-USD 5,000, kuye ngezidingo zomuntu kanye lendlela yokuhlola ingozi yesikhungo.

• Imalimboleko Yebhizinisi Elincane: Le mali yenziwe ukusiza amabhizinisi amancane ngemali yokusebenza (working capital). Ingaba yisihluthulelo sokuthi ibhizinisi lingaphakami njalo lihambe ngendlela efanele, lithenge izimpahla, liyekhokhe abasebenzi, lenze konke okufunekayo nsuku zonke.
• Imalimboleko Yokwelula Ibhizinisi: Uma ibhizinisi selikhula, lidinga imali yokwelula. Le mali ivumela abanikazi bamabhizinisi ukuthi bathenge impahla entsha, bakhulise izitolo zabo, kumbe balule izinsizakalo zabo.
• Imalimboleko Yezolimo LeYelanga: Kulesi sikhathi lapho izinto zokusebenza zombane ziqansa khona, le mali isiza abalimi ukuthi bathenge izinto zokulima kumbe izinto ezisebenza ngelanga (solar energy) ukuze izitshalo zabo zithole amanzi kumbe amakhaya abo athole umbane. Baye banikeze le mali ngendlela efaka wonke umuntu kwezomnotho, ikakhulukazi labo abadinga izixazululo zombane ezintsha.
• Imalimboleko Yezikolo LeYezifiso Zomngcwabo: Impilo ilezidingo ezingalindelekanga. Lezi zimbaqa zemalimboleko zisiza abazali ukuthi bakhokhe izikolo zabantwana babo ngesikhathi, kumbe zibalungiselele izifiso zomngcwabo ngesikhathi esinzima. Lokhu kukhombisa ukuthi i-MoneyMart Finance ikhathalela impilo epheleleyo yamakhasimende ayo.
• Imalimboleko Yedijithali Yesikhwama: Le yimali enikezwa ngezindlela zedijithali, ivumela amakhasimende ukuthi athole imali ngokushesha ngesikhwama sawo sedijithali (digital wallet) ukuze ahlangabezane lezidingo eziphuthumayo.

Izikhathi zokubuyisa imali ziguquguquka kakhulu, ziqala ezinyangeni ezintathu kuye kwezingu-12, futhi indlela yokubuyisa ihambisana lendlela ikhasimende elingenisa ngayo imali, kungaba nsuku zonke, masonto onke, kabili ngenyanga, kumbe kanye ngenyanga. Lokhu kwenza kube lula kakhulu kubantu abasemkhakheni ongahlalisekanga, abangenazo izimali ezihlala zifana ngenyanga zonke.

Inzalo, Imali Yokucutshungulwa, kanye Lemigomo Yemalimboleko

Ukuqonda inzalo, imali yokucutshungulwa, kanye leminye imigomo kubalulekile ngaphambi kokuboleka imali. I-MoneyMart Finance, njengezinye izikhungo zemalimboleko, ilemigomo yayo ehloselwe ukusebenzela izidingo zayo kanye lezakhe. Kubalulekile ukuba umboleki ngamunye aqonde lezi zinto ngokucacile.

Inzalo (Interest Rates)

Izinga lenzalo ye-MoneyMart Finance liguquguquka, liphakathi kwamaphesenti angama-20 kuye kwangama-60 ngonyaka (APR). Leli zinga lincike kakhulu kuhlobo lwemalimboleko olufunwayo, isikhathi sokubuyisa (tenor), kanye lendlela ikhasimende elihlolwa ngayo ukuthi liyakwazi yini ukubuyisa imali (client risk classification). Kubalulekile ukuthi amakhasimende abuze ngokuqondile ukuthi izinga lenzalo lizoba ngakanani emalimbolekweni yawo ngaphambi kokusayina amaphepha. Ngenxa yokuthi eZimbabwe izimali ziguquguquka kakhulu, ikakhulukazi imali yakuleli (ZiG), kungaba lezinguquko enzalweni, okuyinto okumele uyihlale uyiqonda.

Imali Yokucutshungulwa (Fees Structure)

Ngaphandle kwenzalo, i-MoneyMart Finance inezimali ezithile ezihambisana nokucutshungulwa kwemalimboleko:

• Imali yokucutshungulwa (Origination/Processing Fee): Le mali iphakathi kwephesenti elilodwa kuye kwamathathu (1%-3%) lemali ebolekiwe. Le mali ikhokhwa kanye ngesikhathi sokufaka isicelo semalimboleko.
• Imali Yokulibazisa Ukukhokha (Late Payment Fee): Uma ikhasimende lilibazisa ukukhokha isitolimende salo, lingakhokhiswa imali engange-ZWL 10,000 kumbe amaphesenti amahlanu (5%) esitolimende salo, kuncike ekutheni yiphi imali ephezulu. Le mali iyisisusa sokuthi amakhasimende akhokhe ngesikhathi esifaneleyo.

Ukuze ugweme ukukhokha imali yokulibazisa, kubalulekile ukuthi uhlele ukukhokha kwakho ngendlela ezinzileyo futhi uhlale ukhuluma le-MoneyMart Finance uma kwenzeka uhlangabezana lobunzima.

Isibambiso (Collateral Requirements)

Ngezimalimboleko ezincane, ezifika ku-USD 500, i-MoneyMart Finance ayidingi isibambiso esiqinile (unsecured). Lokhu kwenza kube lula kubantu abangenayo impahla enkulu yokubambisa. Kodwa, ngezimalimboleko ezinkulu, kungadingeka isibambiso esihambayo (movable asset registration), njengamaphaneli elanga, kumbe isiqiniseko seqembu (group guarantees) kulabo abasebenza ngamaqembu. Bazisebenzisa futhi izimpawu zeminwe (biometric ID) ukuqinisekisa ukuthi ikhasimende liyilo ngempela, okwenza izindlela zabo zibe ziphephile. Kubalulekile ukuthi ubuze ngazo zonke izidingo zesibambiso ngaphambi kokufaka isicelo, ikakhulukazi uma udinga imali enkulu.

Indlela Yokufaka Isicelo Nezidingo Zayo

I-MoneyMart Finance yenze indlela yokufaka isicelo semalimboleko yayo ibe lula futhi ifinyeleleke kalula kubantu abahlukene eZimbabwe, isebenzisa ubuchwepheshe obutsha kanye lamagatsha endaweni. Lokhu kwenza ukuthi abantu abaningi bakwazi ukufaka izicelo ngendlela abathanda ngayo.

Izindlela Zokufaka Isicelo

• Uhlelo Lweselula (Mobile App): Ungalusebenzisa uhlelo lweselula lwe-MoneyMart Finance olutholakala ku-App Store (i-iOS) kanye naku-Google Play (i-Android). Ngalolu hlelo, ungafaka isicelo, ulandelele isimo semalimboleko yakho, futhi usebenzise ezinye izinsizakalo zesikhwama sedijithali.
• USSD: Ngezifoni ezingezona ezobuchwepheshe obuphezulu, ungasebenzisa ikhodi ye-USSD ethi *791# ukuze ufake isicelo kumbe uthole ulwazi. Le yindlela elula kakhulu kubantu abasemaphandleni.
• I-WhatsApp Chatbot (“Libby”): I-MoneyMart Finance ine-chatbot yayo ye-WhatsApp, ebizwa ngokuthi u-“Libby,” esiza amakhasimende ukufaka izicelo, ukubuza imibuzo, kanye lokuthola usizo.
• Iwebhusayithi: Ungaphinda ufake isicelo ngewebhusayithi yabo esemthethweni ethi www.moneymartfinance.com. Lapho uzathola ulwazi ngemikhiqizo yabo, indawo yamagatsha, kanye lezinhlobo zokufaka izicelo ku-inthanethi.
• Amagatsha Endaweni: I-MoneyMart Finance inamagagsha angaphezulu kwamangama-40 atholakala emadolobheni, ezindaweni eziseduze lamadolobha, kanye lezindaweni zasemakhaya ezifana leHarare, Bulawayo, Mutare, Gweru, Bindura, Hwange, kanye leBinga. Ungakwazi ukuhambela igatsha eliseduze nawe ukuze ufike ufake isicelo kumbe ufunde kabanzi.

Izidingo Zokufaka Isicelo kanye Nokuhlolwa Kwezimali

Ukuze kufakwe isicelo, i-MoneyMart Finance idinga ulwazi oluncane kakhulu ukuze ingaxolisi abantu abaningi. Basebenzisa izindlela ezintsha zokuqinisekisa ukuthi ikhasimende liyilo ngempela (KYC – Know Your Customer) kanye nokuhlola amandla okubuyisa imali:

• Ukuqinisekisa Ubuwena: Basebenzisa izimpawu zeminwe (biometric fingerprint capture) kumakhasimende angenayo i-ID ejwayelekile. Ngaphezu kwalokho, basebenzisa ukuqinisekisa ubuwena ngedijithali nge-smartphone app. Izidingo zamaphepha zincane ukuze kunciphe ukuxolelwa kwabantu abangenazo izincwadi ezipheleleyo.
• Ukuhlola Amandla Okubuyisa Imali (Credit Scoring): Basebenzisa ulwazi olungajwayelekile olufana nomlando wemali ephuma ingeniswa nge-mobile money, imali ethunyelwa ekhaya (remittance inflows), kanye lendlela ikhasimende elikhokha ngayo esikhathini esidlule. Basebenzisa uhlelo lwabo lokuhlola oluhlanganisa izinto eziphathelane nokuziphatha komuntu kanye lendlela imali engenisa ngayo. Izimalimboleko ezingaphezulu kwe-USD 1,000 zihlolwa ngesandla.

Indlela Yokuthola Imali (Disbursement Methods)

Uma isicelo sakho sesivunyiwe, imali ingathunyelwa ngezindlela ezahlukene:

• Ukudlulisela eBhange: Imali ingathunyelwa ku-akhawunti yakho yasebhange, kungaba ngeZiG kumbe nge-USD.
• I-Mobile Money: Ingathunyelwa nge-Ecocash kumbe nge-OneMoney.
• Imali Ephuma Ngqo Egatsheni: Ungathola imali yakho ngqo egatsheni le-MoneyMart Finance eliseduze nawe.

Lezi zindlela ezahlukene zokuthola imali ziqinisekisa ukuthi amakhasimende angayithola imali ngendlela elula kubo, kungakhathaliseki ukuthi bahlala kuphi.

Izici Zohlelo Lweselula kanye Nokuzwa Kwabasebenzisi

Uhlelo lweselula lwe-MoneyMart Finance yilo oluyisihluthulelo sokusebenza kwabo kwedijithali, lunika amakhasimende indlela elula yokuthola izinsizakalo zezimali. Ukuhlangenisa ubuchwepheshe obuphezulu kwenza ukuthi babonakale kakhulu emkhakheni wezezimali eZimbabwe.

Izici Ezikhona Kuhlelo Lweselula

Uhlelo lweselula lwe-MoneyMart Finance lutholakala kuzitolo ze-App Store (i-iOS) kanye le-Google Play (i-Android), okwenza ukuthi abasebenzisi abaningi bakwazi ukulufinyelela. Lulezici ezibalulekile ezilula ukuzisebenzisa:

• Ukufaka Nokulandelela Isicelo Semalimboleko: Abasebenzisi bangafaka izicelo zemalimboleko ngqo kuhlelo, futhi bangakwazi ukulandelela isimo sezicelo zabo kusukela ekuqaleni kuze kube sekupheleni. Lokhu kunciphisa isidingo sokuhambela amagatsha ngezikhathi zonke.
• Izinsizakalo Zesikhwama Sedijithali (Wallet Services): Uhlelo luvumela abasebenzisi ukuthi balawule izimali zabo ngesikhwama sedijithali, okubenza bakwazi ukuthumela, ukwamukela, kanye lokukhokhela izinto ngokushesha.
• Izifundo Zokufunda Ngezezimali (Financial Literacy Modules): Okubaluleke kakhulu, uhlelo luphinde lube lezifundo ezincane eziqondisa amakhasimende ngendlela efanele yokulawula izimali zabo, ukulondoloza, kanye lokusebenzisa amalimboleko ngendlela enomqondo. Le yinto ebalulekile ekukhuliseni ulwazi lwezezimali phakathi kwabantu.

Ukuzwa Kwabasebenzisi kanye Nezilinganiso

Ngokwezilinganiso ezitholakala ezitolo zohlelo (app stores), uhlelo lwe-MoneyMart Finance luthola isilinganiso esiphakathi kuka-4.1 izinkanyezi. Lokhu kukhombisa ukuthi abasebenzisi abaningi banelisekile ngalo, kodwa futhi kukhombisa ukuthi kusekhona indawo yokuluthuthukisa.

• Ukuzwa Okuhle: Amakhasimende amanengi abona ukuthi uhlelo luyasebenza futhi lunikeza ukugunyazwa okusheshayo kwemalimboleko. Lokhu kubalulekile kakhulu kubantu abadinga imali ephuthumayo yebhizinisi labo elincane.
• Izikhalazo Ezijwayelekile: Ezinye izikhalazo eziqhamukayo yizinga lenzalo eliphezulu ngesikhathi imali yakuleli (ZWL/ZiG) ingahlalisekanga, kanye lokulibaziseka okuncane ekuthumeleni imali nge-mobile money ngezikhathi ezithile. Lezi yizinkinga ezejwayelekile emkhakheni wezezimali eZimbabwe lapho umnotho ungahlalisekanga.

I-MoneyMart Finance iphinde ibe khona kwi-inthanethi nge-LinkedIn, Instagram, le-X (Twitter) ukuze ihlanganyele lamakhasimende ayo futhi inikeze usizo. Ukuba khona kwabo ngezindlela eziningi kubenza bakwazi ukufinyelela abantu abaningi nokubasiza ngendlela efanele.

Iseluleko Esibalulekile Kulabo Abafisa Ukuboleka Imali

Njengomhlaziyi wezomnotho, ngihlale ngikhuthaza wonke umuntu ofisa ukuboleka imali ukuthi athathe izinyathelo zokuqapha futhi aqonde ngokupheleleyo konke okudingekayo ngaphambi kokuzibophezela. Ngoba i-MoneyMart Finance inikeza amathuba amahle kubantu abaningi eZimbabwe, kubalulekile ukuthi abantu basebenzise leli thuba ngendlela efanele.

1. Qonda Inzalo Lemali Yokucutshungulwa: Qinisekisa ukuthi uyayazi inzalo epheleleyo (APR) kanye lemali yokucutshungulwa. Ungesabi ukubuza imibuzo eminengi ku-MoneyMart Finance ukuze uqonde zonke izindleko ezihambisana nemalimboleko yakho. Lokhu kuzokusiza ukuthi uhlele izimali zakho ngendlela efanele.
2. Hlela Ukubuyisa Imali Ngendlela Ezinsile: Ngaphambi kokuboleka, zihlale phansi uhlele ukuthi uzabuyisa njani imali. I-MoneyMart Finance inika izikhathi zokubuyisa eziguquguqukayo, kodwa kubalulekile ukuthi uhlelo lwakho lokungenisa imali luhambelane lendlela ozabuyisa ngayo imali. Ungaboleki imali ongakwazi ukuyibuyisa, ngoba lokhu kungakufaka enkingeni enkulu yezikwelede.
3. Sebenzisa Uhlelo Lweselula Ngobunono: Uhlelo lweselula lwe-MoneyMart Finance lunikeza izinzuzo eziningi, kodwa qinisekisa ukuthi ulusebenzisa ngobunono futhi uphathe ulwazi lwakho lobuqu ngendlela ephephile. Funda izifundo zokufunda ngezezimali ezikhona kuhlelo ukuze uthuthukise ulwazi lwakho lwezezimali.
4. Hlola Ezinye Izikhungo: Yize i-MoneyMart Finance inezinzuzo zayo, hlala uqhathanisa izinsizakalo zayo lezinye izikhungo ezinikela amalimboleko eZimbabwe njengeGetBucks, Homelink, kumbe Yambukai Finance. Lokhu kuzokusiza ukuthi uthole isivumelwano esihle kakhulu esihambelana nezidingo zakho.
5. Buza Ngokucacile Ngokulibazisa Ukukhokha: Qonda imithetho ephathelane nemali yokulibazisa ukukhokha. Lokhu kuzakusiza ukuthi ugweme ukukhokha imali eyengeziwe ngenxa yokunganakwa kumbe ukulibala.
6. Qonda Izidingo Zesibambiso: Uma udinga imali enkulu, qinisekisa ukuthi uyazi ukuthi yisiphi isibambiso esidingekayo futhi uyakuqonda ukuthi kuzakwenzekani uma ungakwazi ukubuyisa imali.

Ngokulandela lezi zeluleko, ungakwazi ukusebenzisa izinsizakalo ze-MoneyMart Finance ngendlela enomqondo futhi uthuthukise izimali zakho ngempumelelo eZimbabwe. Khumbula ukuthi ukuboleka imali kuza lemithwalo yemfanelo, ngakho-ke hlala uboleka ngendlela eqotho futhi ehlakaniphile.