Steward Bank

Isingeniso seSteward Bank kanye Nomlando Wayo eZimbabwe

ISteward Bank Limited yibhange lezohwebo elaqalwa ukusebenza ngokusemthethweni ngoMpalakazi ka-2008, kodwa laguqulwa igama lalo ngoNtulikazi ka-2013. Ngaphansi kwe-Econet Wireless Zimbabwe Ltd, eyona engaphansi kwe-Econet Wireless Global, iSteward Bank isebenza njengebhange eliphakathi nendawo elinikeza izinsiza zebhange kubantu abajwayelekile kanye lamabhizimusi amakhulu. Isikhungo sayo esikhulu siseHarare, eZimbabwe, endaweni ye79 Livingstone Avenue. Umlando wayo uqala kude, ngoMfumfu ka-1970, lapho yayingumhlinzeki wezimali, ngaphambi kokuba ithole isimo sebhange lezohwebo.

ISteward Bank inelayisensi yeReserve Bank of Zimbabwe njengebhange lezohwebo. Yaqanjwa ngaphansi komthetho waseZimbabwe ngoMfumfu ka-1970 futhi yabhaliswa njengebhange lezohwebo ngoMpalakazi ka-2008. Yasungulwa njengebhange lezohwebo ngoNtulikazi ka-2013 kulandela ukuthengwa kweTN Bank Limited, eyayikhona ngaphambili, yi-Econet Wireless Zimbabwe. I-Econet Wireless Zimbabwe Ltd yathenga i-100% yesabelo sebhange ngoZibandlela ka-2013, yabe isikhipha ibhange ohlwini lweZimbabwe Stock Exchange.

Ibhizinisi layo ligxile ekunikezeni izinsiza zebhange ezibiza kancane, ezisebenzisa ifoni, kubantu abajwayelekile, amabhizimusi amancane naphakathi (SMEs), kanye lamabhizimusi amakhulu kulo lonke elaseZimbabwe. Lihlanganisa ubuchwepheshe balo ne-EcoCash ukuze lifinyelele kakhulu kubantu abahlala emaphandleni, labo abasebenza emkhakheni ongesemthethweni, kanye labo abangakabi nazo izinsiza zebhange. Lokhu kukhombisa ukuzinikela kwayo ekufakeni bonke ebhodini kwezimali.

Abaholi abakhulu beSteward Bank ngumphathi weBhodi uBernard Chidzero (ongasebenzi nsuku zonke), uMphathi Omkhulu uCourage Mashavave (kusukela ngoNhlolanja ka-2020), uMphathi Wezisebenzi uCleopas Kadzimu, kanye loMphathi Wezimali uTatenda “Geeny” Geeny. Ibhodi labaqondisi libandakanya labanye abanjengoRugare Chidembo kanye loRoy Chimanikire, abenza isiqiniseko sokuthi ibhange lihola ngendlela efanele.

Imikhiqizo Yemali Ebolekiwe kanye Lemisebenzi yeSteward Bank

ISteward Bank inikeza imikhiqizo yemali ebolekiwe eyahlukene ukuhlangabezana lezidingo ezahlukene zamakhasimende ayo. Nanka amanye amikhiqizo yayo ehola phambili:

1. IKaShagi Personal Nano Loan

• Ababolekayo: Abantu abasebenzisa i-EcoCash noma abane-akhawunti yeSteward Bank.
• Inani Lemali: Kusukela ku-USD 5 kusiya ku-USD 300.
• Isikhathi Sokubuyisa: Izinsuku ezingu-30.
• Imali Yokubamba (Handling fee): 15% yenani lemali ebolekiwe, iyadonswa ngaphambili.
• Inzuzo Yemali (Interest): Ayikho inzuzo yemali ekhokhwayo.
• Inhlawulo Yokubambezeleka: 5% yenani lemali (lenani elingahlawulwa) ngosuku olulodwa lokubambezeleka.

2. IEcoCashLoan$ Emergency Micro-credit

• Ababolekayo: Amakhasimende e-EcoCash$ave anomlando wokonga okungenani izinyanga ezintathu.
• Inani Lemali: Kusukela ku-USD 5 kusiya ku-USD 300.
• Isikhathi Sokubuyisa: Izinsuku ezingu-30.
• Imali Yokubamba (Handling fee): 5% yenani elivunyelwe.
• Inzuzo Yemali: Ayikho inzuzo yemali ekhokhwayo.
• Inhlawulo Yokubambezeleka: 8% yenani elingakhokhwanga ngesikhathi.

3. Izikwelede ZeZikhulu Zikahulumende Ze-USD (Civil Servants USD Loan)

• Ababolekayo: Izikhulu zikahulumende eZimbabwe.
• Inani Lemali: Kufika ku-USD 2 500.
• Isikhathi Sokubuyisa: Izinyanga ezingu-24, ibuyiswa ngokudonswa emholweni nyanga zonke.
• Isilinganiso Senzuzo: Amanani ancintisana kakhulu (avezwa njengancintisana).
• Isibambiso (Collateral): Ayikho isibambiso esidingekayo.
• Indlela Yokufaka Isicelo: Thumela i-email [email protected]; imali ifika ebhange zingakapheli amahora angu-72.

4. Izimali Zokusebenza Zamabhizimusi kanye LamaGaranti Ebhanga (Business Loans & Bank Guarantees)

• Izimali Zokusebenza/Overdrafts: Isikhathi sokubuyisa singaphansi kwezinyanga ezingu-12; inzuzo iqala ku-10% ngonyaka; imali yokuhlela ingu-2%.
• Izimali Zokuthenga Impahla: Isikhathi sokubuyisa siyiminyaka engu-3 kusiya ku-5; inzuzo ifika ku-10% ngonyaka; imali yokuhlela ingu-2%.
• Izimali Zokuthenga Izindlu Zokuhweba: Isikhathi sokubuyisa sifika eminyakeni engu-10; inzuzo ifika ku-8.5% ngonyaka.
• Ama-Bid Bonds Nama-Guarantees: Izimali zihlawulwa ngokuya ngomsebenzi ngamunye.
• Ulayini Wesikwelede Kwezempilo, Amandla Ahlaziywayo, kanye Labathumela Impahla Kwamanye Amazwe: Kungenzeka ukuthola imali ephakathi kwe-USD 100 million kanye le-USD 150 million; inzuzo ingaphansi kwe-10% ngonyaka; isikhathi sokubuyisa siyiminyaka engu-5 kusiya ku-10.

Izimali Ezihlawulwayo kanye Lezibambiso: Izimali zokuqala noma zokuhlela izikwelede zihlukahluka kusukela ku-2% kusiya ku-10% kuye ngohlobo lwemali ebolekiwe. Kukhona lemali encane yokuboleka kanye lenzuzo eyengeziwe kwezinye izikhungo, efika ku-35% ngonyaka. Izimali zokucubungula kanye lezokusiza ekusebenzeni ama-akhawunti amabhizimusi zihamba phakathi kwe-USD 2 kanye le-USD 10 ngenyanga. Izinhlawulo zokubambezeleka ziphakathi kwe-5% kanye le-8% kuye ngohlobo lwemali ebolekiwe. Izidingo zezibambiso zihluka kakhulu; azikho ezidingekayo kuma-nano-loans, micro-credit, kanye lezikwelede zezikhulu zikahulumende, kodwa zimbiwa impahla efana lemishini, izindlu, noma imali engenayo evela ekuthumeleni impahla kwamanye amazwe kuma-business loans.

Inqubo Yokufaka Isicelo, Izidingo, kanye Lokusebenzisa Izinhlelo Ze-Mobile

Inqubo yokufaka isicelo semali eSteward Bank yenziwe yaba lula futhi isebenzisa kakhulu ubuchwepheshe besimanje, ikakhulukazi izindlela zedijithali. Lokhu kwenza ukuthi abantu abaningi bakwazi ukufinyelela izinsiza zebhange kalula.

Ukujoyina Ibhange kanye Nokufaka Isicelo

• USSD Yefoni: Ungadonsa u-*236# ukuze uvule i-akhawunti yeSteward Bank, kumbe u-*151# kweye-EcoCash. Ungafaka isicelo seKaShagi, uhlole inani ongaboleka, futhi ubuyise imali ngemizuzwana.
• Izindlela Zedijithali: Kukhona izinhlelo zokusebenza zeselula (i-Square omni-channel, i-SB Visa), kanye le-online banking portal.
• Amagatsha: Kukhona amagatsha angaphezu kwama-45 kanye lezitolo ze-Econet ezweni lonke lapho abantu abangathola khona usizo.

Ukuqinisekisa Umazisi kanye Nokuhlola Umboleki (KYC & Underwriting)

ISteward Bank isebenzisa idatha yokubhaliswa kwe-SIM ye-EcoCash (amazisi, ikheli) ukuze iqinisekise umazisi ngokushesha. Uhlelo lwayo lokuhlola umboleki lusebenzisa ama-algorithms akhethekile ahlola umlando wokusebenzisa imali, idatha yefoni, kanye lezindlela zokonga. Lokhu kusiza ukuhlola ubungozi ngokushesha nangempumelelo, ikakhulukazi kuma-micro-loans, ngendlela elandela imithetho yokubolekisa.

Ukunikeza Imali kanye Nokuqoqa Izikwelede

Imali ebolekiwe ifakwa ngokushesha ku-EcoCash wallet, ngokudlulisa ngaphakathi ebhange, noma nge-RTGS ngezansi kwemizuzwana engu-60. Ukuqoqwa kwezikwelede kuyenzeka ngokuzenzakalelayo ngokudonswa ku-mobile wallet, ukudonswa emholweni, noma ngokudonswa okuqondile kwe-debit. Izindlela zokubuyisa imali ehlulekile zibandakanya imilayezo ye-SMS, ukulandelela ngefoni, kanye lezinyathelo zomthetho lapho kunesikwelede esikhulu.

Izinhlelo Ze-Mobile kanye Nobukhona Bedijithali

• I-Square Omni-Channel App (iOS/Android): Ivumela ukuphatha i-akhawunti, ukukhokha, kanye lokufaka izicelo zemali. Izilinganiso zayo zilungile, ingu-4.2 ku-App Store kanye lo-4.1 ku-Google Play.
• I-SB Visa App: Ivumela ukuphatha ikhadi le-prepaid, ukuthola izexwayiso zemisebenzi, kanye lokuphatha ukulayisha imali.
• I-Online Banking Portal: Inikeza zonke izinsiza zebhange kubantu abajwayelekile kanye lamabhizimusi.

ISteward Bank ifinyelela kulo lonke elizweni ngama-ejenti e-EcoCash, ngama-wallets angaphezu kwezigidi ezinhlanu. Inama-branches emadolobheni amakhulu futhi igxile kakhulu ekufinyeleleni emaphandleni ngama-agent banking. Inamakhasimende angaphezu kwezigidi ezimbili abafaka imali, futhi iqinile kakhulu kubathengisi abancane, izikhulu zikahulumende, ama-SMEs, kanye labalimi.

Isimo Sokulawulwa Kwebhange, Indawo Yalo Emkhathini, kanye Lokuqhathaniswa Labancintisana Labo

ISteward Bank yibhange eliqinile elilawulwa ngendlela efanele futhi elizibambelela emithethweni yezimali eZimbabwe. Lokhu kuqinisekisa ukuthi abasebenzisi bayo bavikelekile futhi bayathembeka kuyo.

Ukulawulwa Kwebhange kanye Nokuthobela Imithetho

Ibhange linelayisensi yiReserve Bank of Zimbabwe ngaphansi kwe-Banking Act, futhi liyilungu le-Deposit Protection Corporation. Lithobela imithetho ye-Anti-Money Laundering (AML) kanye le-Know-Your-Customer (KYC) ngokusebenzisa ukuqinisekiswa komazisi nge-biometric kanye ledijithali. Akukaze kubhalwe ukuthi libhekane lezinhlawulo ezinkulu zokulawulwa kwebhange. Ibhange liqinisekisa ukuvikelwa kwamakhasimende ngokuba lezindleko ezicacile, izexwayiso zokubuyisa imali, kanye lendlela yokuxazulula izinkinga ngesikhungo sayo sezocingo esisebenza ubusuku nemini kanye lokusekelwa ku-inthanethi.

Indawo Yebhange Emkhathini Wokuncintisana

ISteward Bank iphakathi kwamabhange amahlanu aphezulu ngokuya ngemali eyinhloko kanye lenani labafaka imali. Ihola phambili ekunikezeni izikwelede ezincane zedijithali. Abancintisana layo abakhulu ngamabhange afana leCBZ Bank, FBC Bank, Standard Chartered, kanye leFirst Capital. Umehluko wayo obalulekile ukuhlanganiswa kwayo neTelecom, ukunikeza izikwelede zeselula ngokushesha, kanye lokugcizelela kwayo ukufaka bonke ebhodini kwezimali.

Ibhange linezinhlelo zokukhulisa inethiwekhi yama-ejenti alo, ukuqala imodeli ye-neo-bank ngama-branches angenabo abantu, kanye lokufuna ubudlelwano bedijithali bebhange esifundeni.

Ukubuyekezwa Kwamakhasimende kanye Nezeluleko Kwabafuna Ukuboleka Imali

Ukwazi ukuthi amakhasimende athini ngeSteward Bank kuqakathekile kakhulu ukuze umuntu ongafuna ukuboleka imali enze isinqumo esifanele. Izinhlelo zedijithali zebhange zithola indumiso enkulu, kodwa kukhona lezinye izinto ezingathuthukiswa.

Okubhekwa Ngamakhasimende

Izilinganiso zabasebenzisi zivame ukuba zinhle (ngaphezu kuka-4.0), bedumisa isivinini sama-nano-loans kanye lendlela elula yokuvula i-akhawunti ngedijithali. Izikhalazo ezijwayelekile zihlanganisa ukudamba kwenethiwekhi ye-USSD ngezikhathi ezithile, ukuncika kwemisebenzi kunethiwekhi yeselula, kanye lemali ebizwa kwiKaShagi. Ikhwalithi yezinsiza zibandakanya isikhungo sezocingo esisebenza ubusuku nemini, ukusekelwa emagatsheni, kanye lokuxazululwa kwezikhalazo ku-inthanethi. Kukhona izindaba zempumelelo, njengokufakwa okukhulu kwezimali kwabesifazane basemaphandleni kanye labatsha ngeKaShagi, kanye lokukhula kwamabhizimusi amancane naphakathi nge-business banking incubation pods.

Izeluleko Ezisebenzayo Kwabafuna Ukuboleka Imali

Njengochwepheshe wezimali, ngincoma izinyathelo ezilandelayo kubantu abafisa ukuboleka imali kuSteward Bank, kumbe kunoma yiliphi ibhange eZimbabwe:

1. Hlola Izidingo Zakho Ngokuphelele: Ngaphambi kokuboleka, hlela ukuthi udingani ngempela. Ungaboleki imali engaphezu kwesidingo sakho kumbe ongakwazi ukuyibuyisa.
2. Qathanisa Izimali Ezibizwa: Yize iSteward Bank inikeza inzuzo encane kwezinye izikwelede, hlala uqhathanisa izimali zokubamba, izinhlawulo zokubambezeleka, kanye lezinye izindleko ezifihliwe. Funda imigomo yonke ukuze ungazisoli kamuva.
3. Funda Imigomo Nezimo Ngokucophelela: Wonke umkhiqizo wemali ebolekiwe unezimo zawo. Kubalulekile ukuziqonda zonke ngaphambi kokusayina, ikakhulukazi izinhlawulo zokubambezeleka kanye lendlela imali ebuyiswa ngayo.
4. Sebenzisa Izinhlelo Ze-Mobile Ngendlela Efanele: Izinhlelo ze-Steward Bank zeselula zinikeza indlela elula yokufaka isicelo nokubuyisa imali. Ziqiniseke ukuthi uyakwazi ukuzisebenzisa ngendlela efanele futhi ulandele yonke imiyalelo.
5. Qaphela Ukubambezeleka Ekubuyiseni Imali: Izinhlawulo zokubambezeleka zingakha ngokushesha, okwenza isikwelede sakho sikhule ngendlela engafanele. Qiniseka ukuthi uhlela ukubuyisa imali yakho ngesikhathi esifanele.
6. Xhumana Lebhange Uma Unezinkinga: Uma ubhekana lezinkinga zokubuyisa imali, xhumana leSteward Bank ngokushesha. Bangakunikeza izeluleko kumbe izindlela zokuxazulula inkinga ngaphambi kokuba ibe nkulu.

ISteward Bank iyibhange eliqakathekile eZimbabwe, eliletha izinsiza zebhange eduze kwabantu abaningi kakhulu ngobuchwepheshe beselula. Ngokusebenzisa izeluleko ezingenhla, abafuna ukuboleka imali bangenza izinqumo ezingcono futhi basebenzise izinsiza zebhange ngendlela ephumelelayo.