Willbey Solutions

Isingeniso Senkampani Nomlando Wayo eZimbabwe

IWillbey Solutions (Pvt) Ltd yisikhungo esimele sodwa semali encane esisebenza eZimbabwe. Yasungulwa ngomnyaka ka-2019 kodwa yazuza ilayisensi yayo yokusebenza kusukela ku-Reserve Bank of Zimbabwe ngenyanga kaLwezi ngomnyaka ka-2021. Lokhu kwenza yaba ngumdlali osemthethweni emkhakheni wokubolekisa imali ezweni. Indlunkulu yayo iseHarare, njalo-ke isebenzisa indlela yamasimende asebenza nge-digital, okutsho ukuthi abantu abaninzi bayenza konke nge-internet langeselfoni.

Le nkampani igxile ekunikezeni izimali ebolekayo emabhizinisini amancane naphakathi (ama-SMEs) kanye labasebenzi abaholayo abangatholi lula usizo lwezimali ebhange ezinkulu. Inhloso yayo yikwenza kube lula ukuthola imali ebolekayo kuso sonke isizwe, kusetshenziswa ubuchwepheshe besimanje. Umqondisi omkhulu, uMnumzana Joseph Z. Tore, uhola le nkampani eqinisekisa ukuthi inikeza izinsizakalo ezisezingeni eliphezulu ezifanela izidingo zabantu baseZimbabwe.

IWillbey Solutions isebenzisa uhlelo lweselfoni, iwebhusayithi, kanye lasezindaweni zokusebenzela ezithile ukuze inikeze izimali ebolekayo. Lokhu kuyenza ikwazi ukufinyelela abantu abaningi, ikakhulukazi labo abasemaphandleni noma abangenayo indlela yokufika ebhange. Iqinisekisa ukuthi yonke imisebenzi yayo ihambisana lemigomo ye-Reserve Bank of Zimbabwe, okubonisa ukuzibophezela kwayo ekusebenzeni ngendlela efanele nangokuvumelana lomthetho.

Imikhiqizo Yemali, Izilinganiso, Izindleko, kanye Lemigomo

IWillbey Solutions inikeza izinhlobo ezahlukahlukene zemali ebolekayo ezihloselwe ukwanelisa izidingo ezahlukahlukene zamakhasimende ayo. Izinhlobo zemali ebolekayo ezinikezwayo zihlanganisa:

• Imali Yemboleko Yabasebenzi Abaholayo: Le mali ihloselwe abasebenzi abaholayo abadinga imali ngokushesha.
• Imali Yemboleko Yamabhizinisi: Le mali ihloselwe amabhizinisi amancane naphakathi (ama-SMEs) ukuze akhulise imisebenzi yawo.
• Imali Encane Yamabhizinisi (MSME Finance): Le mali ihloselwe amabhizinisi amancane kakhulu nama-startups.
• Imali Yemboleko Yezimpahla (Asset Finance): Le mali ihloselwe ukuthenga impahla ethile, njengezimoto noma imishini yebhizinisi.
• Imali Yemboleko ye-Peer-to-Peer: Le mali inikeza indlela lapho abantu ababili abangenabudlelwano obuqondile bexhunywe ukubolekana imali.

Mayelana nezimali ezingabolekwa, isibonelo esijwayelekile esikhonjisiwe yi-USD 1,000. Kodwa-ke, izimali eziphansi kakhulu kanye neziphakeme kakhulu ezingabolekwa azikamenyezwa esidlangalaleni, ngakho-ke kungakuhle ukuthi uxhumane lenkampani ngqo ukuze uthole imininingwane ephelele.

Izilinganiso Zenzalo Nezingqikithi Zokuphindisela Imali:

• Isilinganiso senzalo saminyaka yonke (APR – Annual Percentage Rate) singafika ku-35% ngonyaka. Izilinganiso eziqondile zincike ohlotsheni lwemali ebolekayo kanye nengozi yekhasimende, njalo-ke azikavezwa ngokugcwele esidlangalaleni.
• Isikhathi sokuphindisela imali sisukela ezinyangeni ezi-3 kuye kwezingama-24. Le nkampani inikeza izindlela eziguquguqukayo zokubuyisela imali nge-app yayo yeselfoni noma iwebhusayithi.

Izindleko Neziqinisekiso (Fees and Collateral):

• Kukhona izindleko ezithile zokuqalisa isicelo (origination fees), zokucubungula (processing fees), kanye nezokulibazisa ukukhokha (late payment fees). Kodwa-ke, imininingwane eqondile ngalezi zindleko azikavezwa esidlangalaleni.
• Izimali zemboleko zamabhizinisi kanye nezempahla zivame ukudinga isibambiso esihambisana nempahla. Izimali zemboleko zabasebenzi abaholayo zingase zingadingi isibambiso (unsecured), kodwa lokhu kudinga ukuqinisekiswa ngqo lenkampani.

Indlela Yokufaka Isicelo, I-App Yeselfoni, Lemisebenzi Yenkampani

IWillbey Solutions yenze lula indlela yokufaka isicelo semali ebolekayo, kusetshenziswa ubuchwepheshe besimanje kanye lezindawo ezithile zokusebenzela. Izindlela zokufaka isicelo zihlanganisa:

• I-App Yeselfoni: Le nkampani inohlelo lweselfoni (mobile app) olutholakala kuma-Android devices. Abantu bangafaka izicelo, balandele ukukhokhwa kwemali, bathole izaziso, futhi baxhumane lezinsizakalo zamakhasimende nge-app. I-app iphinde ibe nezinsiza zokufundisa ngezezimali. Isiye yalandwa abantu abangaphezu kwama-500.
• Iwebhusayithi (Website Portal): Iwebhusayithi yenkampani, ethi willbey.co.zw, inendawo yokufaka isicelo semali nokukhokha imali ebolekayo.
• Amagatsha Enkampani (Physical Branches): IWillbey Solutions inamahhovisi eHarare (indlunkulu yayo) kanye laseKwekwe, lapho abantu bengafika khona bazofaka izicelo noma bakhulume lezisebenzi zenkampani.

Izidingo Zokufaka Isicelo Nokucubungula:

• Ukwazi Ikhasimende Lakho (KYC): Njengoba kudingwa yimithetho yeZimbabwe ye-AML/CFT (Anti-Money Laundering/Combating the Financing of Terrorism), abafaka izicelo badinga ukunikeza umazisi okhishwe uhulumende, ubufakazi bendawo yokuhlala, kanye le-bank statement engaphezu kwezinyanga ezi-3 ubudala.
• Ukuhlola Isikweletu: Abasebenzi benkampani bahlola izicelo besebenzisa izindlela zokuhlaziya isikweletu. Lokhu kuhlola kubheka ukugeleza kwemali yekhasimende, isibambiso (lapho kudingeka khona), kanye lephrofayili jikelele yomuntu ofaka isicelo.
• Ukukhishwa Kwemali: Imali ebolekayo ingakhishwa nge-bank transfers, i-mobile money, noma ngemali ethathwa ngqo emagatsheni enkampani.

Isimo Esisemthethweni, Indawo Emakethe, Lokuqhathanisa Nezimbangi

IWillbey Solutions isebenza ngokugcwele ngaphansi kwemithetho yeZimbabwe. Yathola ilayisensi njengesikhungo semali encane kusukela ku-Reserve Bank of Zimbabwe ngenyanga kaLwezi ngomnyaka ka-2021. Lokhu kusho ukuthi ihlolisiswa yi-RBZ ukuqinisekisa ukuthi ihambisana lemigomo efanele yezimali. Le nkampani iphinde ihambisane lemigomo yeZimbabwe ye-AML/CFT, okuhlanganisa ukuqinisekisa ukuthi ulwazi lwamakhasimende luyiqiniso futhi lugcinwa ngokuphepha. Kuze kube manje, akukaze kube khona izenzo zomthetho ezikhishwe esidlangalaleni ngokumelene neWillbey Solutions.

Ukuvikela Amakhasimende:

• IWillbey Solutions igqamisa ukucaca kwe-APR yayo nge-app yayo nangaphandle, inikeza izibonelo ezicacile.
• Iphinde iqinisekise ubumfihlo bolwazi (data privacy) bamakhasimende, isebenzisa izindlela zokuvikela ulwazi lapho ludluliselwa khona, futhi ayabelani ngolwazi lwakho nezinkampani zesithathu.

Indawo Emakethe Nezimbangi:

Emakethe yezimali encane eZimbabwe, iWillbey Solutions incintisana lezinye izinkampani ezifana leMicrohub Financial Services, MoneyMart Finance, GetBucks Microfinance, InnBucks, kanye lePlatinum Micro Finance. Le nkampani izihlukanisa lezimbangi zayo ngokugxila kakhulu ekubolekiseni imali nge-digital (digital-first) kanye lasekuhleleni izinhlelo zokusebenzisa ezilula (user-friendly interface). Iphinde igxile kakhulu ekunikezeni izimali zemboleko emabhizinisini amancane.

Kusukela yathola ilayisensi ngomnyaka ka-2021, iWillbey Solutions ikhule ngokushesha emakethe, yize ingakaze ikhiphe izibalo eziqondile ngesabelo sayo emakethe. Le nkampani isivele ikhulise imisebenzi yayo ngokuvula igatsha laseKwekwe ngomnyaka ka-2025, okubonisa inhloso yayo yokufinyelela abantu abaningi kuso sonke isizwe.

Isipiliyoni Samakhasimende Leseluleko Kwabafuna Ukuboleka Imali

Mayelana nesipiliyoni samakhasimende, iWillbey Solutions inikeza indlela elula yokusebenzisana nge-app yayo yeselfoni kanye lewebhusayithi. Nakuba izibalo zokulinganisa ze-app yayo ku-Google Play Store zingabonisi ngokusobala, imibono evamile evela ezinkundleni zokuxhumana ibonakala ikhombisa ukwaneliseka okuthile, kodwa lokhu akukaze kuqinisekiswe ngokugcwele.

Izikhalazo Ezingajwayelekile: Akukaze kube khona izikhalazo ezibhalwe esidlangalaleni, kodwa kukhona imibiko engakaqinisekiswa mayelana nokulibaziseka okuthile ekuqhubekeni kwezicelo.

Izinsizakalo Zamakhasimende: Le nkampani inikeza usizo lwamakhasimende ngendlela ehlukahlukene:

• Ukusekelwa ngaphakathi kwe-app.
• I-imeyili: [email protected].
• Inombolo yocingo: +263 716 755 532.
• Inama-loan officers azinikele kanye lama-field agents asiza amakhasimende.

Iseluleko Esisebenzayo Kwabafuna Ukuboleka Imali

Uma ucabangela ukuboleka imali kuWillbey Solutions noma kunoma isiphi isikhungo sezimali eZimbabwe, kubalulekile ukuba ulandele lezi zeluleko ukuze uzenzele isinqumo esihlakaniphile:

1. Qonda Ngokugcwele Imigomo: Qinisekisa ukuthi uyiqonda yonke imigomo nemibandela yemali ebolekayo, kuhlanganise ne-APR, ngaphambi kokuba usayine noma yiziphi izivumelwano. Buza imibuzo uma kukhona okungacacile.
2. Qhathanisa Izilinganiso Zenzalo: Ungaboleki imali ngokushesha. Qhathanisa i-APR yeWillbey Solutions nezinye izinkampani ezibolekisa imali eZimbabwe ukuze uqinisekise ukuthi uthola isivumelwano esingcono kakhulu.
3. Hlola Izindleko Ezifihliwe: Buza ngazo zonke izinhlobo zezindleko, kuhlanganise nezokuqalisa isicelo, zokucubungula, kanye nezokulibazisa ukukhokha. Qinisekisa ukuthi akukho mali efihliwe.
4. Qinisekisa Amandla Okubuyisa Imali: Ngaphambi kokuba uboleke, hlaziya kahle isimo sakho sezimali ukuze uqinisekise ukuthi uzokwazi ukubuyisa imali ngesikhathi esibekiwe. Ukwehluleka ukukhokha kungaholela ezinhlawulweni eziphezulu futhi kulimaze umlando wakho wesikweletu.
5. Sebenzisa Izinsiza Zokufundisa Ngezezimali: Uma iWillbey Solutions inikeza izinsiza zokufundisa ngezezimali, zisebenzise ukuze ukhulise ulwazi lwakho lwezezimali.
6. Qinisekisa Ulwazi Olungakaqinisekiswa: Njengoba eminye imininingwane ibhalwe ngokuthi ayikaqinisekiswa (unverified), kubalulekile ukuthi uqonde ngqo kuWillbey Solutions ukuze uthole ulwazi olugcwele nolusemthethweni.
7. Boleka Ngokuzibophezela: Ungaboleki imali engaphezu kwalokho okudingayo noma okwazi ukukubuyisa. Ukuboleka ngokuzibophezela kuyisisekelo sezimali ezinempilo.

Ngokulandela lezi zeluleko, ungazivikela futhi uqinisekise ukuthi uthola isivumelwano esifanelekayo sezimali zemboleko.