Yambukai Finance

Isingeniso seYambukai Finance kanye Nomlando Wayo eZimbabwe

I-Yambukai Finance yisikhungo esinikeza izimali ezincane, esibhaliswe ngokusemthethweni futhi silawulwa yiBhange Elikhulu LeZimbabwe (Reserve Bank of Zimbabwe) njengesikhungo esibolekisa kuphela ngemali. Lesi sikhungo, esasungulwa ngomnyaka ka-2000, siqale saziwa ngegama elithi Yambukai Holdings Private Limited ngaphambi kokuba sibe yiYambukai Finance Private Limited. Ngomnyaka ka-2022, i-LOLC Group evela eSri Lanka yathenga isabelo esikhulu, okungamaphesenti angama-70, lokhu okuqinisa izisekelo zayo zezimali kanye lokuletha ulwazi olukhulu lokubolekisa ngemali oluvela emhlabeni jikelele. Izabelo ezisele ziphethwe ngabanye abantu bendawo.

Inhloso yeYambukai Finance yikunikela ngezinsizakalo zemali ezisebenzayo kwabantu abangenalo ithuba lokufinyelela izinsizakalo zamabhange ezijwayelekile. Lokhu kuhlanganisa abantu abaholayo, abanikazi bamabhizinisi amancane, abahlomula impesheni, kanye labantu abamaphesenti aphansi abahlala emadolobheni lezindaweni zasemakhaya. Imodeli yabo yebhizinisi igxile kakhulu kumakhasimende, inikeza izimali zokusebenzisa kanye lezimali zabantu zokuthenga izinto ezithile. Ngaphansi kobuholi bukaSihlalo uTawanda Marongwe kanye loMqondisi Olawulayo uEilex Muzvondiwa, iYambukai Finance iqhubekela phambili ngokukhulisa inethiwekhi yayo yamagatsha angu-10, angena ezifundeni ezehlukene zelizwe leZimbabwe. Amagatsha lawa atholakala eHarare, Bulawayo, Mutare, Gweru, Masvingo, Kwekwe, Chitungwiza, Marondera, kanye leGokwe, okukhombisa ukuzimisela kwabo ukufinyelela abantu abaningi ngangokunokwenzeka.

Imikhiqizo Yemali, Inzalo, Izimali Zobunxusa, kanye Lemibandela

I-Yambukai Finance inikeza uhla olubanzi lwemikhiqizo yezimali olwenzelwe ukuhlangabezana lezidingo ezahlukahlukene zababoleki. Kubalulekile ukuthi abantu abangathanda ukuboleka imali baqinisekise amanani enzalo kanye lemali zobunxusa ngesikhathi befaka isicelo, ngoba la manani angatshintsha.

• Imali Yabantu Abaholayo: Lezi yimali ezinikezwa abantu abaholayo, abasebenza kuhulumende kumbe emabhizinisini. Amanani emali angalinganiselwa kusuka kuZWL izinkulungwane ezinhlanu (5,000) kuya kuZWL izinkulungwane ezingamakhulu amahlanu (500,000). Inzalo ingaba ngamaphesenti amahlanu (5%) kuya kwamaphesenti alishumi lanhlanu (15%) ngenyanga. Ukubhadala emuva kungathatha izinyanga eziyisithupha (6) kusiya kwezingamatshumi amabili lane (24). Izimali zokucubungula isicelo zihlezi zingamaphesenti amabili (2%) emalini ebolekiwe, kanti izimali zokuphuzisa ukubhadala zingamaphesenti amahlanu (5%) emalini eseyedlule isikhathi. Isibambiso sihlanganisa iphepha lokuhola kanye lomqinisekisi.
• Imali Zebhizinisi: Lezi zenzelwe abanikazi bamabhizinisi amancane. Amanani emali angalinganiselwa kusuka kuZWL izinkulungwane ezingamatshumi amahlanu (50,000) kuya kuZWL izigidi ezimbili (2,000,000). Inzalo ingaba ngamaphesenti amathathu (3%) kuya kwamaphesenti alishumi (10%) ngenyanga. Ukubhadala emuva kungathatha izinyanga ezintathu (3) kusiya kwezilishumi lambili (12). Izimali zokuvula isicelo zingaba ngamaphesenti elilodwa (1%) kuya kwamathathu (3%) emalini ebolekiwe. Isibambiso sihlanganisa impahla yebhizinisi kanye lomqinisekisi.
• Imali Zabahlomula Impesheni: Lezi zenzelwe labo abahola impesheni. Amanani emali angalinganiselwa kusuka kuZWL izinkulungwane ezinhlanu (5,000) kuya kuZWL izinkulungwane ezingamakhulu amabili (200,000). Inzalo ingaba ngamaphesenti amabili (2%) kuya kwamaphesenti ayisishiyagalombili (8%) ngenyanga. Ukubhadala emuva kungathatha izinyanga ezifika kulishumi lambili (12). Izimali zokucubungula isicelo zingamaphesenti elilodwa (1%). Akudingekile isibambiso ngaphandle kwephepha eliqinisekisa impesheni.
• Imali Ezingelanzalo (Zero Interest Rate Loans): Lezi zihlinzekelwa ukuthenga ezitolo ezithile ezibambisene leYambukai Finance. Umboleki kufanele afake idiphozithi engamaphesenti angama-30% kuya kwangama-50% yenani lokuthenga. Inzalo iba ngamaphesenti ayisishiyagalolunye (0%), kanti ibhalansi ibhadalwa emuva ngezinyanga ezintathu (3). Izidingo zihlanganisa idiphozithi, irisithi yokuthenga, kanye lobufakazi bokuthi ungubani.
• Ukuxhasa Izimali Zomshuwalense: Lokhu kuxhasa ukubhadala izimali zomshuwalense. Amanani emali angalinganiselwa kusuka kuZWL izinkulungwane ezilishumi (10,000) kuya kuZWL izinkulungwane ezingamakhulu amahlanu (500,000). Inzalo ingaba ngamaphesenti ayisishiyagalolunye (0%) kuya kwamaphesenti amahlanu (5%) ngenyanga. Ukubhadala emuva kungathatha isikhathi esilingana lesemvumelwano yomshuwalense. Izimali zokucubungula isicelo zingamaphesenti elilodwa (1%). Izidingo zihlanganisa irisithi kanye lemvumelwano yomshuwalense esebenzayo.

Kufanele kukhunjulwe ukuthi amanani emali kanye lezilinganiso zenzalo ezinikelwe lapha zitshengisa nje, futhi abantu abangathanda ukuboleka imali kufanele baqinisekise zonke izinto ngqo leYambukai Finance ngesikhathi befaka isicelo sabo.

Indlela Yokufaka Isicelo, Izidingo, kanye Lokusebenza Kwesikhungo

I-Yambukai Finance yenze lula indlela yokufaka izicelo zokuboleka imali ukuze abantu abahlukahlukene bakwazi ukufinyelela izinsizakalo zayo. Izicelo zingafakwa ngezindlela eziningana, okwenza kube lula kumakhasimende:

• Iwebhusayithi Yabo: Abantu bangavakashela iwebhusayithi yeYambukai Finance baze bagcwalise ifomu lokubuza nge-inthanethi. Iwebhusayithi yabo ilungele ukusebenziswa kumafoni, okwenza kube lula ukufaka isicelo noma ngabe ukuphi.
• Amagatsha: IYambukai Finance inamagatshe alishumi (10) atholakala emadolobheni amakhulu akhethekile eZimbabwe, okuhlanganisa iHarare, Bulawayo, Mutare, Gweru, Masvingo, Kwekwe, Chitungwiza, Marondera, kanye leGokwe. Ungavakashela igatsha eliseduze nawe ukuze ufaka isicelo ubuso nobuso.
• I-imeyili kanye Lefoni: Ungathumela i-imeyili [email protected] kumbe ubize inombolo yabo yesikhungo (+263 787 825 749) ukuze uthole ulwazi oluthe xaxa kumbe ufuna ukufaka isicelo.

Izidingo Zokufaka Isicelo (KYC & Onboarding):

Ukuze ufake isicelo semali, udinga ukuba lezidingo ezilandelayo:

• Ubufakazi bokuthi ungubani (i-ID kazwelonke kumbe ipasipoti).
• Ubufakazi bemali engenayo (iphepha lokuhola kumbe i-bank statement).
• Ubufakazi bokuhlala (i-utility bill kumbe incwadi evela kubandla/kusobhuku).
• Ifomu lesicelo eliqedwe ngokuphelele.
• Umqinisekisi kumbe idiphozithi (ikakhulukazi ngemali ezingelanzalo).

Indlela Yokuhlola Ukuboleka Imali (Credit Scoring & Underwriting):

IYambukai Finance isebenzisa indlela yayo yangaphakathi yokuhlola ukuboleka imali. Le ndlela ihlola ukuzinza kwemali engenayo yomuntu, izikwelede esezikhona, kanye lomlando womqinisekisi. Njengamanje, iYambukai ihlela ukuqalisa uhlelo olutsha lokusebenza ngebhange (core banking system) ngobambiswano leWebs For Africa kanye leTechverve. Lolu hlelo luzakwenza kube lula ukuhlola ingozi yokubolekisa ngemali ngezindlela ezisezingeni eliphezulu.

Ukukhishwa Kwemali:

Nxa isicelo sakho sesivunyiwe, imali ingakhishwa ngezindlela ezilandelayo:

• Ukudluliselwa ebhange (bank transfer) ebhange lakho lezentengiselwano elisendaweni.
• Imali yeselula (EcoCash), okuyindlela esetshenziswa kakhulu eZimbabwe.
• Imali esandleni egatsheni leYambukai Finance.

Ukuqoqwa Kwemali Kanye Nokubuyiselwa:

I-Yambukai Finance isebenzisa izindlela ezahlukahlukene zokuqoqa imali, okuhlanganisa ukuthumela imiyalezo ye-SMS kanye le-imeyili ukukhumbuza ababoleki ngemihla yokubhadala. Esimeni lapho umuntu ephuzisa ukubhadala, kusetshenziswa abasebenzi abaya ensimini ukuze babhadalise. Uma kudingeka, kungenziwa izinyathelo zomthetho ngokweMoney Lending and Rates of Interest Act (Isahluko 14:14) seZimbabwe.

Ubuchwepheshe, Isimo Sokulawulwa, kanye Nendawo Emakethe

I-Yambukai Finance iyaqhubeka nokuzama ukwenza izinsizakalo zayo zifinyeleleke kalula nge-internet kanye lokusebenzisa ubuchwepheshe. Iwebhusayithi yabo esebenza kahle, enobuchwepheshe be-SSL obuqinisa ukuphepha, ivumela abantu ukuthi bafake izicelo futhi bathole ulwazi. Ngalesi sikhathi, akukho isicelo sefoni esisemthethweni (mobile app) esibhalisiwe esitholakala ku-iOS kumbe ku-Android, kodwa iYambukai isebenza kakhulu ku-LinkedIn kanye le-Instagram ukuze yabelane ngolwazi ngemikhiqizo yabo kanye lenhlanzi zamagatsha. Abaqhuba ibhizinisi bakhangelele ukwandisa inani lamagatsha abo abe alishumi lambili (12) ngonyaka ka-2025, okuzakwenza bafinyelele zonke izifunda eziyishumi (10) eZimbabwe.

Isimo Sokulawulwa Kanye Nelayisensi:

I-Yambukai Finance inelayisensi ephelele njengesikhungo esibolekisa kuphela ngemali, esinikwe yiBhange Elikhulu LeZimbabwe. Lokhu kutsho ukuthi ilawulwa ngokuphelele yimithetho yeZimbabwe, ikakhulukazi iMoney Lending and Rates of Interest Act. Kuze kube manje, akukho zindaba zokuthi iYambukai Finance yahlawuliswa kumbe yathathelwa izinyathelo zokulawula.

Ukuvikela Abathengi:

Lesi sikhungo sizibophezele ekucaciseni ulwazi mayelana lezimali zobunxusa kanye lamanani enzalo. Ulwazi lolu lutholakala kuwebhusayithi yabo kanye lemibhalweni yesicelo semali. Uma kukhona izikhalazo kumbe ukungacaceli, amakhasimende angakhuluma lephoyisa elijulwe yisikhungo elilawula ukuthotyelwa kwemithetho, kumbe afake isikhalazo kuBhange Elikhulu LeZimbabwe nge-portal yazo yezikhalazo zabathengi.

Indawo Emakethe kanye Lezimbangi:

I-Yambukai Finance ibambana lezinye izikhungo ezincane zokubolekisa ngemali eZimbabwe, njengeVisionFund kanye lezinye izinhlangano ezingaphansi kweZAMFI. Futhi ibambana lezikhungo zedijithali ezibolekisa ngemali ezifana leMukuru kanye lezimali ze-EcoCash. Umehluko weYambukai Finance ulele ekusekelweni yi-LOLC Group, izimali zabo ezingelanzalo ezitolo ezithile, kanye lokufinyelela kwabo okukhulu ezindaweni zasemakhaya. Ngonyaka ka-2020, inani lezimali zabo ebolekiwe lalingama-USD izigidi ezimbili lezingamakhulu ayisishiyagalolunye (2.9 million). Kukhangelelwa ukuthi ngonyaka ka-2023, incwadi yabo yezimali yakhula ngamaphesenti angamatshumi amabili (20%), kanti inzuzo yakhula ngamaphesenti alishumi lanhlanu (15%). Banohlelo lokuvula amagatsha amabili (2) amasha minyaka yonke kanye lokuthuthukisa uhlelo lwabo oluyinhloko lwebhange ukuze bakwazi ukusebenzela abantu abaningi.

Ubambiswano:

I-Yambukai Finance isebenzisana lezinhlangano ezahlukahlukene. Bayabambisana leWebs for Africa kanye leTechverve ukuze bathuthukise uhlelo lwabo oluyinhloko lwebhange. Bayasebenzisana futhi lezitolo ezahlukahlukene ukunikela ngezimali ezingelanzalo kumakhasimende azo. Futhi banobudlelwano lezinkampani zomshuwalense ukuze banikele ngemali yokuxhasa izimali zomshuwalense.

Ulwazi Lomuntu Olubolekayo, Ukusebenza Kwezimali, kanye Leseluleko

Ukuzizwa komuntu obolekayo ngenkathi esebenzisa izinsizakalo zeYambukai Finance kubalulekile. Ngenxa yokuthi akukho isicelo sefoni esisemthethweni esitholakala emphakathini, izimvo zabasebenzisi zivela kakhulu kumakhasimende avakashela amagatsha abo. Izimvo eziningi ziveza ukuthi inkonzo yokuvunywa kwemali iyashesha, kodwa kukhona nezikhalazo ngokuphakama kwezimali zokuphuzisa ukubhadala.

Ikhwalithi Yenkonzo:

Isikhathi esilinganiselwe sokuvunywa kwesicelo semali singama-awa angamatshumi amabili lane (24) kuya kwangamatshumi amane nesishiyagalombili (48). Lokhu kutsho ukuthi abantu abadinga imali ngokuphangisa bangathola usizo ngesikhathi esifitshane. Egaratsha ngalinye, kukhona abaphathi abajulwe ukunakekela ubudlelwano lamakhasimende, okwenza kube lula ukuthola usizo oluqondile.

Ukusebenza Kwezimali:

Ngonyaka ka-2023, iYambukai Finance yayilokulinganisa kwemali engenayo eyayiyi-USD izigidi eziyisishiyagalolunye (1.2 million), kanti inzuzo yabo yangempela yayiyi-USD izinkulungwane ezingamakhulu amabili (0.2 million). Ngonyaka ka-2022, i-LOLC Group yafaka imali engama-USD isigidi esisodwa (1 million) ukuxhasa ukukhula kwesikhungo. Ikhwalithi yezimali zabo ebolekiwe iyinhle, njengoba inani lezimali ezisengozini yokungabhadalwa (okungaphezu kwezinsuku ezingamatshumi amathathu) lalingamaphesenti amahlanu (5%) ngonyaka ka-2023, kanti inani labehlulekile ukubhadala lalingamaphesenti amabili (2%).

Iseluleko Esisebenzisekayo Kwababoleki Abangaba Khona:

Njengochwepheshe wezezimali, nginikeza iseluleko esilandelayo kulabo abangathanda ukuboleka imali kuYambukai Finance:

1. Qinisekisa Ulwazi: Njengoba ulwazi oluthile, olunjengamanani enzalo aqondile kanye lenani lamakhasimende, lungaqinisekanga ngokuphelele esidlangalaleni, kubalulekile ukuthi uqonde ngqo kuYambukai Finance ukuze uqinisekise zonke izimali zobunxusa, inzalo, kanye lemibandela ngaphambi kokufaka isicelo.
2. Qonda Imibandela: Funda ngokucophelela imibandela yonke yemali oyifunayo. Qonda ukuthi yiziphi izimali zobunxusa, inzalo, kanye lokuthi kuzakwenzekani uma uphuzisa ukubhadala.
3. Qathanisa Lezinye Izikhungo: Ngaphambi kokuthatha isinqumo, qathanisa izinsizakalo zeYambukai Finance lezinye izikhungo zokubolekisa ngemali eZimbabwe ukuze uqiniseke ukuthi uthola isivumelwano esihle kakhulu esifanela izidingo zakho.
4. Boleka Ngokuziphendulela: Ungaboleki imali engaphezu kwalokho ongakwazi ukukubhadala. Qinisekisa ukuthi isikhathi sokubhadala siyavumelana lesimo sakho sezimali ukuze ugweme izikwelede ezingadingekile.
5. Buza Imibuzo: Uma kukhona okungacacanga, unganqikazi ukubuza abasebenzi beYambukai Finance. Ukucaca kubalulekile ukuze ube lesiqiniseko ngesinqumo sakho.

I-Yambukai Finance ivelele njengesikhungo esibalulekile emkhakheni wezimali ezincane eZimbabwe, inika abantu abaningi ithuba lokufinyelela izinsizakalo zemali ezibalulekile. Ngobuchwepheshe be-LOLC Group kanye lokuzimisela kwabo ukusebenzela izindawo zasemakhaya lezasemadolobheni, iYambukai Finance ibonakala ilesikhathi esizayo esithembisayo ekunikezeni usizo lwezimali kubantu beZimbabwe.