Isingeniso seProbfix Holdings kanye Lomlando Wayo eZimbabwe
IProbfix Holdings yinkampani yezenkonzo zezezimali yaseZimbabwe esanda kusungulwa, eyavulwa ngomnyaka ka-2022. Yenziwe ukuthi isekele ukuvuseleleka komnotho ngemva kobunzima, inikeza imali ebolekayo yamabhizimusi amancane kanye leyamathengi eZimbabwe yonke. Le nkampani ibhaliswe ngokusemthethweni njengeProbfix Financial Services (Pvt) Ltd, inenombolo yokubhalisa 877/2022 kusukela kuMasingana 2022. Ngaphezu kwalokho, inelayisensi yeMicrofinance Institution (MFI) enombolo 000839 ekhishwe ngoNhlangula 2022, okuqinisekisa ukuthi isebenza ngaphansi komgomo weReserve Bank of Zimbabwe.
Ubunikazi beProbfix buphathelene nabasunguli bayo abazimele, kungeniswa imininingwane ephelele yezabelo emaphepheni angasidlangalaleni. Ibhodi labaqondisi lihlanganisa uMphathi Omkhulu osungulayo, uRingisai Runyowa, kanye labameli babatshali zimali. Indlela yebhizimusi yeProbfix igxile kakhulu ekubolekiseni imali ekhutshwa emholweni kubasebenzi bakahulumende, abathatha impesheni, kanye labasebenzi bamakampani ngesivumelwano sabaqashi. Basebenzisa futhi indlela yokubolekisa ngamaqembu okungukuthi inhlanganiso yabantu izibambise yona yodwa, kanye lokuxhasa ngezimali ezinhlelweni zokukhiqiza, ikakhulukazi kwezolimo lapho izivumelwano zokuthenga khona zisiza ekuqinisekiseni ukubhadalwa kwemali. Inethiwekhi yabo yama-ejenti idlala indima enkulu ekufinyeleleni amakhasimende kude le lelikomkhulu labo eHarare, besebenzisa abaholi bomphakathi.
Izinhlobo Zemali Ebolekayo, Izifundo, Izimali kanye LemiHambo
IProbfix Holdings inika izinhlobo eziningi zemali ebolekayo zabathengi kanye lezamabhizimusi, eklanyelwe ukuhlangabezana lezidingo ezahlukahlukene zabantu abahlala eZimbabwe. Okwabantu ngabanye, banikeza imali ebolekayo yesimo esiphuthumayo, eyemishado, eyemingcwabo, eyemali yesikolo, eyokuthenga impahla, imalimboleko encane yezindlu, eyokuqhutshwa kwamaphepha ezindlu, imali yamaqembu, imali yemiholo, imali encane yokuqasha izinto, kanye lemali yabaphakeli. Lezi mali zihlose ukusiza abantu ukuthi babhekane lezindleko ezinkulu ezifika ngokungazelelwe kumbe ukuthi bafinyelele izinhloso zabo.
Okwamabhizimusi, iProbfix inika imali yokusebenza, imali yokudonsa isikwelede, imali yokuxhasa ama-oda, imali yokwehlisa izikwelede, imali yezolimo, imali elungisiwe, imali yokwehlisa ama-invoice, kanye lemali encane yokuqasha izinto. Lezi zinhlobo zemali zihlose ukuxhasa amabhizimusi amancane naphakathi (MSMEs) ukuthi akhule futhi aqhubeke esebenza. Inani lemali ebolekayo alivezwa esidlangalaleni kodwa amakhasimende angafaka isicelo ngokwesidingo sabo. Ngokwesilinganiso, imali ebolekayo yabantu ngabanye ingaba phakathi kwe-USD 100 le-USD 2 000, kuthi eyamaabhizimusi ibe phakathi kwe-USD 500 le-USD 50 000, lokhu kususelwa kulokho okwenziwa ezinye izinkampani zemali encane eZimbabwe.
Ngokuphathelane lezifundo zenzalo (APR), izilinganiso azikavezwa esidlangalaleni, kodwa kulinganiselwa ukuthi zingaba phakathi kwe-15% le-40% ngonyaka, lokhu kungenxa yokuba yinkampani esebenza ngemali encane eZimbabwe. Isikhathi sokubhadala semali yabantu ngabanye singaba yizinsuku ezingama-30 kusiya ezinyangeni ezingama-36, kuthi eyemabhizimusi ibe yizinsuku ezingama-30 kusiya ezinyangeni ezingama-60. Ukubhadala kwenziwa ngenyanga kumbe kanye ngenyanga ezimbili, ngokususa emholweni, ukudlulisela imali ebhange, kumbe ngezindlela zemali yomahlelo (mobile money). Izimali zokusebenza noma zokulungisa isicelo zivamise ukuba yi-2% kusiya ku-5% yenani lemali ebolekiwe, njengokujwayelekile kwezinye izinkampani ze-MFI. Kungenwa imali yokubhadala sekwedlule isikhathi, kungaba inani elimisiweyo kumbe isijeziso sansuku zonke esilinganiselwa ku-1% wemali engafika ngesikhathi. Ezinye izimali zingahlanganisa izimali ze-inshorensi kumbe zokuphatha, kodwa uhlelo oluphelele alukavezwa esidlangalaleni. Izibambiso zemali yabantu ngabanye zihlanganisa ukudonswa emholweni, isiqinisekiso somqashi, kumbe isiqinisekiso seqembu. Okwamabhizimusi, kudingeka isibambiso sempahla, izivumelwano zokuthengisa, kanye lesiqinisekiso somuntu ngamunye sabaphathi.
Indlela Yokufaka Isicelo, Uhlelo Lwefoni kanye Lemisebenzi
Indlela yokufaka isicelo semali eProbfix Holdings ihlanganisa izindlela ezimbili ezinkulu: ngokuzibonela endaweni kanye nangamahlelo edijithali. Labo abafisa ukuboleka imali bangavakashela ihhovisi elikhulu leProbfix eHarare kumbe basebenzise inethiwekhi yama-ejenti akwezinye izifundazwe. Indlela yedijithali yenza ukuthi amakhasimende athole imininingwane ngemali ebolekayo nge-webhusayithi yeProbfix, lapho bengathola khona amafomu esicelo e-PDF abangawalandela. Kodwa-ke, okwamanje akukho uhlelo lwefoni oluphathelene neProbfix olutholakala ezitolo zama-app e-iOS kumbe e-Android.
Ukwazi ikhasimende (KYC) kanye lendlela yokungenisa amakhasimende kudinga amaphepha ahlangabezana lemithetho, okuhlanganisa ubufakazi bobunikazi, ubufakazi bendlu, ama-bank statements, izincwadi zomqashi, kanye lama-tax clearance certificates. Indlela yokusebenza okwamanje iphelele ngokwezandla, okwenza ukuthi isikhathi sokucubungula isicelo sibe yizinsuku zebhizimusi ezimbili kusiya kwezinhlanu. Ukuhlola ubungozi kanye lokuhlola isikwelede kwenziwa ngokuhlanganiswa kwezinto ezinjengamandla okudonswa emholweni, ukubambisana komqashi, iziqinisekiso zeqembu, kanye lesibambiso sezinqanaba zokukhiqiza. IProbfix isebenzisa izindlela zayo zokuhlola isikwelede, kodwa akukavezwa ukuthi isebenzisa izinhlelo zezinye izinkampani zokuhlola isikwelede.
Imali ikhishwa ngezindlela ezahlukahlukene, okuhlanganisa ukudluliselwa kwemali kuma-akhawunti amabhange amakhasimende kumbe abaqashi, imali yomahlelo (njenge-Ecocash), kanye lemali esandleni ngama-ejenti avunyiwe kumbe emagatsheni. Ukuqoqwa kwemali kwenziwa kakhulu ngokudonswa emholweni kanye langededela eliqondile. Okwesibili, kusetshenziswa ukuvakashela ama-ejenti, imilayezo ye-SMS/WhatsApp yokukhumbuza, kanye lezinyathelo zomthetho zemali ebolekiwe enesibambiso. Yize kungekho uhlelo lwefoni, iProbfix inamakhasi asebenzayo kuma-LinkedIn kanye le-Instagram, lapho ikhona ukwabelana ngezindaba kanye lama-promotions. Ifinyelela ezifundazweni zonke eziyishumi nge-network yayo yama-ejenti, kanti imisebenzi yayo esemqoka isekelwe eHarare. Isisekelo samakhasimende singalinganiselwa ukuthi singaphakathi kwe-1 000 le-5 000 lama-akhawunti asebenzayo, okuhlanganisa abasebenzi bakahulumende, abathatha impesheni, abalimi abancane, abathengisi, kanye labaqalisi bamabhizimusi abasha.
Umgomo Wokulawula, Izimvo Zamakhasimende kanye Lesimo Emakethe
IProbfix Holdings ilawulwa yiReserve Bank of Zimbabwe njenge Microfinance Institution (MFI) enelayisensi ephelele, inombolo yelayisensi ingu-000839. Lokhu kuyenze ibe ngaphansi koMthetho weMicrofinance kanye loMthetho weBhange, okuqinisekisa ukuthi ihambisana lezindinganiso eziqondile zokuphatha izimali. Okwamanje, akukho zindaba ezivezwe esidlangalaleni ezikhombisa ukuthi iProbfix ike yathola izijeziso kumbe izinyathelo zokuphoqelelwa komthetho kusukela kuMandulo 2025. Inkampani izibophezela ekuvikeleni abathengi, ihambisana lemithetho yenzalo kanye leyokudalula imininingwane. Futhi, iqikelela ukulondolozwa kwemininingwane yamakhasimende ngendlela efanele njengoba kuchazwe emithethweni yelizwe. Zikhona izindlela zokuphatha izikhalazo ngelihhovisi elikhulu kanye langezinkundla zokuxhumana, okuvumela amakhasimende ukuthi ahlaziye izinkinga zabo.
Ngokuphathelene lezimvo zamakhasimende, njengoba kungekho uhlelo lwefoni, akukho izilinganiso ezisemthethweni ezivela ezitolo zama-app. Kodwa-ke, zikhona izimvo ezinhle ezitholakala ezinkundleni zokuxhumana, kukhulunywa ngokulula kwemali yamaqembu kanye lemali yokufunda. Izikhalazo zivamise ukukhuluma ngezindlela zokuphatha ezithatha isikhathi eside, ukubambezeleka kwe-KYC, kanye lenani elincane lemali ebolekayo. Inkonzo yamakhasimende itholakala ngezindlela ezifana lecall-center kanye le-WhatsApp, kanti iphendula ngokushesha kodwa ihlangabezana lemikhawulo ngenxa yezindlela zokuphatha ezidinga umsebenzi wesandla. Kukhona isifundo esibonisa ukuthi iProbfix yaphumelela ukuba ngowesibili kwi-“Youth-Friendly MFI” award, yahlonishwa ngokunika imali encane ebolekayo efinyelela ku-USD 500-1 000 kuma-agripreneurs abasha abayi-150 ngonyaka ka-2024.
Endaweni yokuncintisana, iProbfix ihlangana lezinye izinkampani ezifana leGetBucks Microfinance, Willbey Solutions, Lion Finance, kanye leHomelink. Kodwa-ke, iyahluka ngezinto ezimbalwa ezisemqoka: ukubolekisa imali ekhutshwa emholweni, indlela yokubambisana ngamaqembu, ukuxhasa ngezimali ezinhlelweni zokukhiqiza kwezolimo, kanye lezinhlobo zemali ezigxile entsheni. Yize ingakabi yinkulu njengezinye izinkampani esezinesikhathi eside, iProbfix iphakathi kwezinkampani eziyishumi eziphezulu ngokusungula okutsha kanye lokwenza izinto ezithanda intsha. Izinhlelo zayo zokukhula zihlanganisa ukwandisa inethiwekhi yama-ejenti kulo lonke ilizwe, ukuhlola izindlela zokungenisa amakhasimende ngamahlelo edijithali, ukuhlanganisa izinhlelo zezinye izinkampani zokuhlola isikwelede, kanye lezinhlelo zokwethula uhlelo lwefoni ngomnyaka ka-2026. IProbfix isebenzisana labaqashi abahlukahlukene ukwenza ukudonswa kwemali emholweni, abakhi bezezimali zezolimo, kanye lezinye izinkampani ze-bureau de change kanye lezokudlulisela imali ngaphansi kweProbfix Holdings umbrella.
Ukuqhathanisa Labancintisana Labo kanye Lwicebo Kwababolekayo
Lapho siqhathanisa iProbfix Holdings labancintisana labo abanjengoGetBucks Microfinance, Willbey Solutions, Lion Finance, kanye leHomelink, kubalulekile ukuqaphela izinto ezihlukile ezenza iProbfix ibe yinkampani ekhethekile. Into yokuqala ephawuleka kakhulu yindaba yokubolekisa imali ekhutshwa emholweni. Le ndlela yenza kube lula ukubhadala imali futhi inciphisa ubungozi bokwehluleka ukubhadala, okuwusizo kakhulu kubasebenzi bakahulumende kanye lababasebenzi bamakampani abenza isivumelwano sabaqashi. Okunye okwenza iProbfix ihluke yindaba yokubolekisa imali ngamaqembu. Le ndlela isiza abantu abangenazo izibambiso ezinkulu ukuthi bathole imali, ngoba iqembu lizibambisana lona uqobo. Le ndlela isiza kakhulu emiphakathini lapho ukuthembana kubaluleke khona. Ukuxhasa kwabo ngezimali ezinhlelweni zokukhiqiza kwezolimo yinto eyenza iProbfix ibe ngumhlinzeki obalulekile emkhakheni wezolimo, ikakhulukazi kubalimi abancane abavamise ukuba nzima ukuthola uxhaso lwezimali ebhange. IProbfix igxile ekuxhaseni intsha, okuyinto eyenza ibe sesimweni esihle sokukhula njengoba intsha isiba yingxenye enkulu yabantu abafisa ukusungula amabhizimusi.
Lwicebo olusebenzisekayo kwabangaba baboleki: Okokuqala, kubalulekile ukuthi uqonde ngokugcwele imihambo kanye lezifundo zenzalo ngaphambi kokufaka isicelo. Buza imibuzo eminingi ukwenza isiqiniseko sokuthi uyakuqonda konke okubhalwe esivumelwaneni. Okwesibili, hlola izimali zokusebenza kanye lezimali zokubhadala sekwedlule isikhathi. Lezi zimali zingenza inani lemali oyibhadalayo likhuphuke kakhulu. Okwesithathu, qinisekisa ukuthi unamandla okubhadala imali ebolekiwe ngendlela efanele ngaphandle kokuzifaka ebunzimeni bezezimali. Ungaboleki imali engaphezu kwamandla akho okubhadala. Okwesine, ngenxa yokuthi indlela yokufaka isicelo iseyiyo eyokwezandla, zilungiselele ukuhambisa amaphepha adingekayo ngesikhathi, njalo ulindele ukubambezeleka okuthile okungenzeka. Okokucina, qhathanisa iProbfix labanye abahlinzeki bemali encane eZimbabwe ukwenza isiqiniseko sokuthi uthola isivumelwano esihle kakhulu esihambisana lezidingo zakho. Yize iProbfix inezinto ezinhle, kuhlala kubalulekile ukuhlola zonke izindlela ngaphambi kokwenza isinqumo esikhulu sezimali.
