Platinum Microfinance

Isingeniso sePlatinum Microfinance kanye Nomlando Wayo eZimbabwwe

IPlatinum Microfinance (Pvt) Ltd yinkampani eboleka imali encane eyasungulwa ngomnyaka ka-2019, ibhadalelelwe yiReserve Bank of Zimbabwe. Yona iyincwadi yePlatinum Groupe (Private) Limited, inkampani enkulu ephatha izikhungo ezine ezihlinzeka ngemisebenzi yezemali. Inhloso yayo yikunikeza imali yomboleko kulabo abangatholi lula usizo emabhange ajwayelekile, kungaba ngabasebenzi abaholayo kumbe amabhizimusi amancane (SMEs).

Inhloso yaloluhlelo yikubhadadela abantu imali yomboleko kungakhathalekile ukuthi bahlala kuphi, ngendlela esheshayo futhi elula. Isebenzisa kokubili izindlela zedijithali kanye lamahofisi ayo ukuze ifike kubantu abanengi. Inkampani le ihola yindoda engu-Exodus Makumbe njengoSihlalo weQembu, futhi iqembu labaphathi abahlakaniphile lisebenza ukubona ukuthi izinhloso zenkampani ziyafezeka.

IPlatinum Microfinance yabonela ukuthi abantu abanengi labamabhizimusi amancane eZimbabwwe bahlala bengasitholi isidingo semali yomboleko ngendlela elula ngenxa yemithetho eqinile yamabhange. Ngakho-ke, yasungulwa ngendlela yokuthi inikeze izixazululo zemali ezingaphephile, ezinemigomo evumelana labo abafuna ukuboleka.

Imikhiqizo Yemali Yomboleko kanye Lemisebenzi YePlatinum Microfinance

IPlatinum Microfinance inikeza izinhlobo ezibanzi zemali yomboleko ezifanele izidingo ezahlukahlukeneyo zabantu lamabhizimusi. Nansi imikhiqizo yabo ephambili:

• Imali Yomboleko Yabasebenzi Abaholayo (Salary-Based Loans): Le mali yenzelwe abantu abasemsebenzini abahola inyanga ngenyanga. Iboleka phakathi kweZWL 1,000 kuya kuZWL 500,000 (okuyimali elingana le-US$5 kuya ku-US$2,500). Isikhathi sokubhadala siphakathi kwezinyanga ezintathu kuye kwezili-12. Inzuzo ingaba phakathi kwe-7% kuya ku-15% ngenyanga (okungenza i-APR ibe yi-84% kuya ku-180% ngonyaka) - lamanani kawakaqinisekiswa. Kudingeka incwadi yebhange eqinisekisa umholo kumbe ukubhadalela ngokuqondile emholweni.
• Imali Yomboleko Yabasebenzi Bakahulumende (Civil Servant Loans): Lena yenzelwe abasebenzi bakahulumende, futhi inamanani anzuzo aphansi kancane. Ibhadala phakathi kweZWL 500 kuya kuZWL 300,000 (okungaba yi-US$2.5 kuya ku-US$1,500). Isikhathi sokubhadala siphakathi kwezinyanga eziyisithupha kuye kwezingama-24. Inzuzo ingaba phakathi kwe-5% kuya ku-10% ngenyanga (okungenza i-APR ibe yi-60% kuya ku-120% ngonyaka) - lamanani kawakaqinisekiswa. Kudingeka ukubhadalela ngokuqondile emholweni.
• Imali Yomsebenzi Yamabhizimusi Amancane (SME Working-Capital): Le mali yenzelwa amabhizimusi amancane ukuze asize ngezimali zokuqhuba umsebenzi, ukuthenga izimpahla, lokunye. Iboleka phakathi kweZWL 50,000 kuya kuZWL 5 million (okungaba yi-US$250 kuya ku-US$25,000). Isikhathi sokubhadala siphakathi kwezinyanga ezintathu kuye kwezili-18. Inzuzo ingaba phakathi kwe-8% kuya ku-18% ngenyanga (okungenza i-APR ibe yi-96% kuya ku-216% ngonyaka) - lamanani kawakaqinisekiswa. Kudingeka izinto ezithile zokubamba njengesibambiso.
• Imali Yezinto Zokusebenza (Asset-Finance Loans): Le mali yenzelwa amabhizimusi afuna ukuthenga imishini kumbe ezinye izinto ezibiza kakhulu ezizobasiza emsebenzini wabo. Iboleka phakathi kweZWL 100,000 kuya kuZWL 10 million (okungaba yi-US$500 kuya ku-US$50,000). Isikhathi sokubhadala siphakathi kwezinyanga eziyisithupha kuye kwezingama-36. Inzuzo ingaba phakathi kwe-6% kuya ku-16% ngenyanga (okungenza i-APR ibe yi-72% kuya ku-192% ngonyaka) - lamanani kawakaqinisekiswa. Kudingeka ukuthi impahla leyo ethengwayo ibe yisibambiso.
• Imali Yama-oda (Order-Finance Loans): Le mali yenzelwa amabhizimusi athole ama-oda amakhulu kodwa engenayo imali yokuthenga izinto ezizasetshenziswa ukugcwalisa leyo miyalo. Iboleka phakathi kweZWL 20,000 kuya kuZWL 2 million (okungaba yi-US$100 kuya ku-US$10,000). Isikhathi sokubhadala siphakathi kwenyanga eyodwa kuye kweziyisithupha. Inzuzo ingaba phakathi kwe-9% kuya ku-20% ngenyanga (okungenza i-APR ibe yi-108% kuya ku-240% ngonyaka) - lamanani kawakaqinisekiswa. I-oda ngokwalo liyisibambiso.
• Imali Yokwakha Lokulungisa Izindlu (Microhousing Loans): Le mali yenzelwa abantu abafuna ukulungisa kumbe ukwakha izindlu zabo. Iboleka phakathi kweZWL 50,000 kuya kuZWL 3 million (okungaba yi-US$250 kuya ku-US$15,000). Isikhathi sokubhadala siphakathi kwezinyanga eziyisithupha kuye kwezingama-48. Inzuzo ingaba phakathi kwe-7% kuya ku-14% ngenyanga (okungenza i-APR ibe yi-84% kuya ku-168% ngonyaka) - lamanani kawakaqinisekiswa. Kungadingeka isitifiketi somhlaba kumbe isiqinisekiso esivela kumthengisi wezinto zokwakha.

Kumele kuqapheleke ukuthi amanani emali yomboleko, amanani enzuzo, kanye lezimali zokusebenza ezikhulunywe lapha kawakaqinisekiswa ngokuqondile emithonjeni esobala, yikho-ke kungakuhle ukuthi ubuze ngokuqondile enkampanini ngaphambi kokufaka isicelo.

Indlela Yokufaka Isicelo, Izidingo kanye Nezimali Zokusebenza

Ukufaka isicelo semali yomboleko ePlatinum Microfinance kungenziwa ngezindlela ezimbili: nge-intanethi kumbe ngokuya emahofisini abo. Le yindlela yokuqhubeka:

Indlela Yokufaka Isicelo

• Ngedijithali: Ungafaka isicelo ngewebhusayithi yabo (www.platinummicrofinance.com). Iwebhusayithi le ilula ukuyisebenzisa futhi inomshini wokubala imali yomboleko okukusiza ukuthi ubone ukuthi uzabhadala malini ngenyanga.
• Emahofisini: Ungaya ehofisini labo elikhulu e-48 Samora Machel Avenue, eHarare, kumbe usebenzise abameleli babo abatholakala eZimbabwe Association of Microfinance Institutions (ZAMFI) - lokhu kawukaqinisekiswa.

Izidingo Zokufaka Isicelo

Ukuze ufake isicelo, uzadinga amaphepha ajwayelekile okubhadalela, afaka phakathi:

• Ikhadi lesazisi likazwelonke (National ID).
• Ubufakazi bokuhlala (i-utility bill yesikhathi esisanda kudlula).
• Amaphepha omholo asanda kudlula kumbe amaphepha asebhange (bank statements) aveza ukungena lokupuma kwemali.
• Ubufakazi bokuthi usemsebenzini (employment verification) kumbe amaphepha ebuholi bebhizimusi.

IPlatinum Microfinance isebenzisa indlela yayo yokuhlola ubungozi ukuze inqume ukuthi ungabhadala yini imali leyo. Balola into efana leholo lakho nengxenye yemali ozayibhadala (salary-to-repayment ratio), bahlaziye amaphepha akho asebhange ukuze babone ukuthi imali ingena iphume njani, balole isikhathi osusisemsebenzini, baphinde balole abaqinisekisi bakho (guarantors).

Indlela Yokuthola Imali kanye Lokubhadala

Nxa isicelo sakho sesivunyelwe, imali ingathunyelwa ngezindlela ezilandelayo:

• Nge-bank transfer ngqo kwi-akhawunti yakho yebhange.
• Nge-mobile money (njenge-Ecocash kumbe i-OneMoney).
• Ngokuthatha imali ngqo emahofisini abo (cash payouts) - lokhu kawukaqinisekiswa.

Ukuqoqwa kwemali kubandakanya ukuthumela ama-SMS akukukhumbuza, ukusika imali emholweni wakho (salary-deduction arrangements), ukusebenzisa abaqoqi bemali abavela ngaphandle (third-party debt collectors) kulabo abangabhadali ngesikhathi, kumbe ukuya enkantolo nxa umuntu esahluleka ukubhadala isikhathi esidlula izinsuku ezingama-90 - lokhu kawukaqinisekiswa.

Ukulawulwa Kwemisebenzi, Ukuhlonza Kwabathengi kanye Lesimo Semakethe

IPlatinum Microfinance ihlezi ilawulwa ngaphansi kwemithetho yeReserve Bank of Zimbabwe (RBZ) ngaphansi kweMicrofinance Act [Chapter 24:29]. Lokhu kusho ukuthi kumele ilandele imithetho eqinile ngokuphathelane nemali, amanani enzuzo, kanye lezimali zokusebenza. AbakwaRBZ bayayihlola njalo ukuze baqinisekise ukuthi ihlezi ihlangabezana lezidingo zokusebenza.

Inkampani le iqinisekisa ukuthi ilandela imithetho yokulwa lokugeza imali (anti-money-laundering - AML), imingcele yamanani enzuzo, kanye lezimali eziphezulu ezivunyelweyo njengoba zibekwe yiRBZ - lokhu kawukaqinisekiswa. Kuze kube manje, akukho kubhalwe phansi okuveza ukuthi inkampani le yaze yajeza kumbe yanikwa izigwebo ngenxa yokwephula imithetho.

Ukuvikela Abathengi

Ngenhloso yokuvikela abathengi, iPlatinum Microfinance kumele iveze sobala imigomo yemali yomboleko, ifaka phakathi i-Annual Percentage Rate (APR) eyiyo ukuze umboleki aqonde konke okudingeka akwazi. Lokhu kuyingxenye yeNational Financial Inclusion Strategy - lokhu kawukaqinisekiswa.

Isimo Semakethe kanye Labancintisana Labo

IPlatinum Microfinance ibhekwa njengenkampani ephakathi nendawo emkhakheni wemali yomboleko encane eZimbabwwe, lapho okulinganiselwa ukuthi iphethe i-5% yemali yomboleko yezikhungo ezibhadalelekayo - lokhu kawukaqinisekiswa. Abancintisana labo abakhulu bafaka phakathi iGetBucks Microfinance Bank, iMoneyMart Finance, iMicrohub Financial Services, kanye leZimbabwe Women’s Microfinance Bank.

Okuhlukanisa iPlatinum Microfinance kwabanye yikusizwa yiPlatinum Groupe ngezimali kanye leligama elihle emakethe, imikhiqizo yayo eminengi efaka phakathi imali yama-oda kanye leyezinto zokusebenza, kanye lokugcizelela ukufaka izicelo ngedijithali ngewebhusayithi yabo.

Okushiwo Ngabathengi kanye Nezingcingo

Akukho izilinganiso zohlelo lwenkampani (mobile app ratings) ezitholakale, ngoba ayilalo uhlelo lwayo oluqondile. Okushiwo ngabantu abasebenzise amasevisi abo ku-intanethi kuyaveza ukuthi bayavuma izicelo ngokushesha kodwa amanani enzuzo aphezulu. Kukhona labanye abakhonona ngokubambezeleka kwamaphepha ngesinye isikhathi. Izingcingo ezivame ukuba khona yilezi:

• I-APR ephezulu kakhulu ngenxa yesimo sokunyuka kwamanani entengo elizweni.
• Izidingo eziqinile zezibambiso (collateral) kumabhizimusi amancane.
• Ukubambezeleka ekuthumeleni imali ngezikhathi ezithile, ikakhulukazi nxa kulezicelo ezinengi - lokhu kawukaqinisekiswa.

Amamenenja emahofisini abo kanye losizo lweWhatsApp banikeza izimpendulo ngesikhathi esiphakathi kwamahora angama-48 - lokhu kawukaqinisekiswa. Kukhona izindaba eziqhakazile zamabhizimusi amancane athole imali yama-oda ngokushesha, okwenza akwazi ukuthengisa impahla ngesikhathi futhi akhulise imali yawo phakathi kwe-20% kuya ku-30% esikhathini esifushane - lokhu kawukaqinisekiswa.

Amacebo Aphathekayo Okufanele Umboleki Ongazenzela Wonke Awaqaphele

Nxa ucabanga ukuboleka imali kwiPlatinum Microfinance kumbe kunoma iyiphi inkampani yomboleko eZimbabwwe, kukhona izinto ezibalulekile okumele uziqaphele ukuze wenze isinqumo esihle, ikakhulukazi njengoba inengi lemininingwane ekhona ngePlatinum Microfinance kawukaqinisekiswa.

Okokuqala, fundisisa imigomo nemibandela yemali yomboleko ngokuqondile. Buza imibuzo eminengi ngamanani enzuzo (interest rates), ikakhulukazi ngoba kusetshenziswa amanani anjenge-flat rate per month, okuthi ekupheleni konyaka abe phezulu kakhulu. Qinisekisa ukuthi uyayiqonda i-APR eyiyo (Annual Percentage Rate) ukwazi ukuthi imali izabiza kangakanani ngezikhathi eziqondile. Amanani anzuzo eZimbabwwe avame ukuba phezulu, ikakhulukazi ngenxa yesimo sokwehla kwamandla emali.

Okwesibili, hlola zonke izimali zokusebenza ezihambelana lemali yomboleko. Lokhu kungafaka phakathi imali yokufaka isicelo (origination fee), imali yokucubungula (processing fee), kanye lezimali zokujeza nxa uhluleka ukubhadala ngesikhathi (late fees). Lezimali zingenza imali yakho ibize kakhulu kakhulu kunalokho obukucabanga. Qinisekisa ukuthi uyayiqonda yonke imali ozayibhadala kusukela ekuqaleni kuze kube sekupheleni.

Okwesithathu, qaphela izidingo zezibambiso (collateral requirements). Uma uboleka njengebhizimusi elincane, kungadingeka izimpahla ezithile zibe yisibambiso. Qinisekisa ukuthi uyaqonda ubungozi obukhona nxa ungahluleka ukubhadala, kanye lokuthi izibambiso zakho zingaphucwa. Kumele kube yinto ocacelwe yiyo ngokupheleleyo ngaphambi kokuthi usayine amaphepha.

Okwesine, hlala uqhathanisa iPlatinum Microfinance labancintisana labo. Njengoba kubhalwe, kukhona ezinye izinkampani ezinjengeGetBucks, iMoneyMart, kanye leZimbabwe Women’s Microfinance Bank. Qiniseka ukuthi uyaqathanisa amanani enzuzo, izimali zokusebenza, izidingo zezibambiso, kanye lempilo yonke yemali yomboleko phakathi kwalezi zinkampani ezahlukahlukeneyo ngaphambi kokwenza isinqumo. Lokhu kuzakusiza ukuthi ukhethe inkampani efanele izidingo zakho futhi ekunika amanani angcono.

Okokugcina, qiniseka ukuthi uyakwazi ukubhadala imali oyibolekayo. Yenza isabelomali esiqinile (budget) uqiniseke ukuthi uhola imali eyanele ukubhadala imali yomboleko njalo ngenyanga ngaphandle kokuzifaka ebunzimeni. Ukuhluleka ukubhadala imali yomboleko kungadala ubunzima obukhulu kwezemali kanye lokulahlekelwa yizibambiso zakho. Buza ngokuqondile kwiPlatinum Microfinance ukuze uqinisekise yonke imininingwane njengoba inengi lemininingwane yale nkampani kawukaqinisekiswa emithonjeni esobala.