Isingeniso seWildFin Financial Services eZimbabwe
I-WildFin Financial Services (Private) Limited yinkampani yemali encane (microfinance institution) ebhalisiwe, egcizelela ukusebenzisa ubuchwepheshe bedijithali ukuhlinzeka ngezinsizakalo zemali eZimbabwe. Le nkampani, ezinze eHarare, yasungulwa ngomnyaka ka-2023 ngenhloso yokwenza imali ibe lula futhi isheshe ukufinyelela kwizakhamuzi zaseZimbabwe, ikakhulukazi labo abasemkhakheni kahulumende kanye labanikazi bamabhizimusi amancane naphakathi (SMEs).
I-WildFin isebenza ngendlela esekelwe kwi-app yeselula, okutsho ukuthi ababoleki abadingi ukuya emahhovisi ukuze bafake izicelo zemali. Lokhu kwenza inqubo yonke isheshe futhi ibe lula kakhulu. Umgqugquzeli kanye loMphathi Omkhulu walenkampani nguMnu. David Mantiziba, ozinikele ekusebenziseni ubuchwepheshe besimanje ukuthuthukisa izinsizakalo zemali ezweni. I-WildFin ihlose ukunika ababoleki imali engadingi isibambiso esikhulu, ikakhulukazi kwabemisebenzi kahulumende, kanye lokuxhasa amabhizimusi amancane ngemali yokusebenza kanye loku-oda izinto.
Le nkampani iphinde isebenzise uhlelo oluthuthukisiwe lokuhlola ubunjalo bezikwelede (credit-scoring algorithm) oluphathelene nayo. Lolu hlelo lwenza ukuthi izinqumo zokunika imali zithathwe ngokushesha, okwenza imali mboleko ifinyelele kumuntu phakathi kwamahora angama-24. Ngalokhu, i-WildFin izibeka njengomunye wabaqhubi abakhulu bokuthuthukiswa kwemali edijithali eZimbabwe.
Izinsizakalo Zemali kanye Lemiklomelo Yokuboleka kweWildFin
I-WildFin Financial Services inikeza imiklomelo yemali mboleko ehlukahlukene ehlelwe ukuhlangabezana lezidingo ezahlukene zabantu kanye lamabhizimusi amancane. Le miklomelo ihlanganisa:
- Imali Yabemisebenzi Kahulumende (Civil Servant Cash Loans): Le yimali enikezwa abasebenza kuhulumende abadinga imali esheshayo ngenxa yezidingo eziphuthumayo.
- Imali Esekelwe Kumholo (Salary-Based Loans): Imali mboleko enikwa abantu abalemiholo eqinile, okwenza ukubuyisa imali kube lula ngezigaba ezihleliwe.
- Imali Yamabhizimusi Amancane (SME Working-Capital Loans): Le yimali eklanyelwe amabhizimusi amancane nabaphakathi (retail kanye lawholesale) ukubasiza ngemali yokusebenza yansuku zonke kanye lokugijimisa izinhlelo zabo.
- Ukuxhaswa Kwezinto Ezi-odiweyo (Order Financing): Umklomelo obaluleke kakhulu kumabhizimusi amancane adinga imali yokuthenga izinto ezi-odiweyo ngaphambi kokuba athole inkokhelo kumakhasimende awo.
- Imali Encane Yabantu (Personal Microloans): Imali encane yenikwa abantu ngabanye ngenxa yezidingo ezincane eziphuthumayo.
Ngokuqondene namanani emali mboleko, i-WildFin inika imali eqala ku-US$75 kuya ku-US$1,000. Amanani enzalo (Interest Rates) kanye le-APR (Annual Percentage Rate) ahlukahluka kakhulu kuye ngohlobo lwemali, isikhathi sokubuyisa, kanye lohlobo lomboleki. I-APR encane esezingeni yi-2.91% ngonyaka, kanti ephezulu yi-35% ngonyaka. Ngokwesibonelo, imali engu-US$100 ebolekwe izinsuku ezingama-90 ngentengo ye-1% ngosuku, kuzodingeka ubuyise u-US$110. Uma intengo iyi-2% ngosuku, kuzodingeka ubuyise u-US$120. Lokhu kubalulekile ukuthi ababoleki bakuqonde ngaphambi kokuba bathathe imali.
Isikhathi sokubuyisa imali siqala ezinsukwini ezingama-90 (izinyanga ezintathu) kuya ezinsukwini ezingama-365 (izinyanga ezili-12), futhi kungase kwenulwe kanye kuphela uma kudingeka. Izimali zokusebenza (Origination/Processing Fees) zifakwa ngaphakathi kwi-APR, ngakho ababoleki kufanele babheke lelo nani eliphelele. Izimali zokujezisa uma sekwephuzwa ukubuyisa (Late Payment Fees) zibiza u-2% ngosuku kuyo yonke imali engakabuyiswa, ngakho-ke kubalulekile ukuba ubuyise imali ngesikhathi esifanelekile. Imali yabemisebenzi kahulumende kanye leyemiholo ayidingi isibambiso esikhulu, kodwa imali yokuxhasa ama-oda yamabhizimusi amancane ingadinga isibambiso esincane, njengesitoko sebhizimusi.
Indlela Yokufaka Isicelo kanye Lemisebenzi Yosizo Lwezobuchwepheshe
Inqubo yokufaka isicelo semali kwi-WildFin yenzelwe ukuba ibe lula futhi isheshe, isebenzisa ubuchwepheshe bedijithali. Ababoleki bangafaka izicelo zabo ngezindlela ezimbili eziphambili:
- I-Mobile App (Ucingo): I-WildFin inayo i-app yayo ebizwa ngokuthi “Wildfin Smart Loan” etholakala ku-Google Play Store (ye-Android) naku-App Store (ye-iOS). Lolu hlelo lokusebenza luvumela ababoleki ukuthi bafake isicelo, babale imali abazoyibuyisa, bahlele izikhathi zokubuyisa, futhi babuke izitatimende zabo ze-akhawunti.
- I-Web Portal (I-website): Ababoleki bangaphinda basebenzise iwebhusayithi yeWildFin, ethi wildfinmicrofinance.co.zw, ukufaka izicelo zabo ku-inthanethi.
Inqubo yokubhalisa kanye lokuqinisekisa ubunjalo bomuntu (KYC - Know Your Customer) idinga ukufakwa kwamadokhumende ngedijithali, njengekhadi lesizwe (national ID) kanye lobufakazi bomsebenzi noma umholo. I-WildFin isebenzisa uhlelo oluzenzakalelayo lokuqinisekisa ubunjalo bomuntu kanye lokuhlola umlando wezikwelede (credit-scoring). Lolu hlelo lusebenzisa i-algorithm ehlola umlando wemiholo yabemisebenzi kahulumende noma ukuhamba kwemali yamabhizimusi amancane. Isinqumo semali sinikwa ngemizuzu embalwa, futhi ukuvunyelwa kokugcina kwenziwa phakathi kwamahora angama-24.
Imali mboleko isatshalaliswa ngezindlela ezahlukene, okuhlanganisa ukudluliselwa ebhange lendawo noma nge-Ecocash. Kwenzeka kakhulu ukuthi abantu bathole imali yabo ngedijithali, kodwa kwezinye izikhathi ezingajwayelekile kungenzeka bathathe imali ebhulanshini. Inqubo yokuqoqa imali ibuye yenzeke ngedijithali; imali ibuyiswa ngokuzenzakalelayo nge-akhawunti yebhange noma i-Ecocash ehlobene ngosuku olufanele. I-WildFin ithumela imilayezo ye-SMS kanye lokufona ukukhumbuza ababoleki ngezikhathi zokubuyisa imali, futhi uma sekudlule isikhathi eside ngaphandle kokubuyisa, inkampani ingasebenzisa izinkampani eziqoqa izikwelede.
I-app ye-Wildfin Smart Loan inezilinganiso ezinhle ku-Google Play Store, lapho ithole khona izinkanyezi ezingama-4.5, lokhu kukhombisa ukuthi abasebenzisi bayayithanda isivinini sayo. Yize kunjalo, abanye babike ngezinkinga ezithile ze-app ezingalindelekile. I-WildFin ihlose ukufinyelela kuzwe lonke eZimbabwe, ikakhulukazi ezindaweni ezisemadolobheni afana leHarare kanye leKadoma, kanti sekubikwe ngamahlebezi okuthi izokwanda isebenze naseZambia.
Ukulawulwa Kwezomthetho, Indawo Emakethe kanye Nezilinganiso Zamakhasimende
I-WildFin Financial Services ilayisensiwe yi-Reserve Bank of Zimbabwe njengenkampani yemali encane (microfinance institution). Lokhu kutsho ukuthi iyalandela imithetho ye-Microfinance Act kanye le-Banking Act, eqinisekisa ukuthi isebenza ngokusemthethweni futhi ngokuphelele. Inkampani iyalandela imithetho ye-AML/KYC (Anti-Money Laundering/Know Your Customer), futhi iyazibophezela ekugcineni imininingwane yamakhasimende iyimfihlo futhi ivikelekile, ngokubambisana lemithetho yokuvikelwa kwedatha. Okwamanje, akukabikwa ngezijeziso zomthetho noma izinyathelo zokuphoqelela ezithathwe ngokumelene neWildFin.
Emakethe yeZimbabwe, i-WildFin iqhudelana lezinye izinkampani zemali edijithali ezifana le-EcoCash Loans, Cassava Smartech, kanye le-GetBucks. Into eyenza i-WildFin yehluke kakhulu yikugxila kwayo kwabemisebenzi kahulumende kanye lokunikeza imali yokuxhasa ama-oda amabhizimusi amancane. Lokhu kuyinika indawo ekhethekile emakethe, lapho ihlangabezana khona lezidingo ezithile ezitholakala kulezo zigaba zabantu.
Ngokuqondene nezilinganiso zokusebenzisa kanye lemibono yamakhasimende, i-app ye-WildFin ithole izinkanyezi ezingama-4.5 ku-Android, abasebenzisi bethokoza isivinini sokuthola imali kodwa bekhononda ngamanye amaphutha e-app. Izikhalazo ezivamile zihlanganisa izinhlawulo eziphakeme zokujezisa uma sekwephuzwa ukubuyisa imali, kanye lokwephuza kwezinye izikhathi empendulweni yosizo lwamakhasimende. Kodwa-ke, i-WildFin inikeza usizo lwamakhasimende ngefoni (+263 78 198 4901) nangama-imeyili ([email protected]), futhi kubikwa ukuthi iphendula phakathi kwamahora angama-24 kuya kwangama-48. Kukhona nezindaba zempumelelo zamakhasimende ezibhalwe ezinkundleni zokuxhumana, zikhombisa amabhizimusi athuthukile ngemuva kokuthola imali yokuxhasa ama-oda kwi-WildFin.
Izeluleko Kwababoleki Abazayo kanye Nesiphetho
Kubalulekile ukuthi labo abacabanga ukuboleka imali kwi-WildFin Financial Services bayiqonde kahle yonke imininingwane ngaphambi kokwenza isinqumo. Nansi imininingwane kanye lezeluleko ezingabasiza:
- Qonda Amanani kanye Lemali Ehleziwe: Qiniseka ukuthi uyawuqonda wonke amanani enzalo, i-APR, kanye lezinye izimali ezifana lezokujezisa uma sekwephuzwa. Sebenzisa i-loan calculator ku-app ukuthola umbono ophelele wemali ozoyibuyisa.
- Buyisa Imali Ngesikhathi: Ukwephuza ukubuyisa imali kuzoholela ezinhlawulweni eziphakeme (2% ngosuku), okuzokwandisa inani lemali okumele uyibuyise kakhulu. Hlela ukubuyisa imali ngesikhathi esifanelekile ukuze ugweme izinhlawulo ezingadingekile.
- Hlola Izilinganiso Zamanye Amakhasimende: Funda imibono yabanye abasebenzisi ku-Google Play Store kanye nakwezinye izinkundla zokuxhumana ukuze uthole umbono ophelele ngesipiliyoni sabo.
- Sebenzisa Imali Ngokuhlakanipha: Imali mboleko kufanele isetshenziselwe izidingo ezibucayi noma izinhlelo zebhizimusi ezinenzuzo, ukuze ukwazi ukuyibuyisa kalula.
- Qhathanisa Labanye Ababolekisi: Ngaphambi kokuthatha isinqumo, qhathanisa imiklomelo kanye lamanani e-WildFin lezinye izinkampani zemali edijithali eZimbabwe ukuze uthole inketho engcono kakhulu kuwe.
- Yenza Uphenyo Olunzulu: Njengoba eminye imininingwane ye-WildFin ingakahlolisiswa esidlangalaleni, kuhlale kuqakathekile ukuthi wena njengomboleki wenze uphenyo lwakho olunzulu ngaphambi kokuzibophezela.
Sekuphetha, i-WildFin Financial Services inika ithuba elihle kakhulu kwabemisebenzi kahulumende kanye lamabhizimusi amancane eZimbabwe ukuthi bafinyelele imali ngokushesha nangendlela elula ngobuchwepheshe bedijithali. Ukugxila kwayo kulaba bantu kanye lokunika imali yokuxhasa ama-oda kuyenza ibe ngumdlali obalulekile emakethe yemali encane. Kodwa-ke, njengayo yonke imali mboleko, kubalulekile ukusebenzisa lezi zinsizakalo ngokuhlakanipha nokuziphendulela ukuze ugweme ubunzima bezezimali.
