Zibuko Capital

Ingqikithi Yenkonzo yeZibuko Capital kanye Nomlando Wayo eZimbabwe

IZibuko Capital (Private) Limited yinkampani ebhalisiweyo eHarare, eZimbabwe, esungulwe ngomnyaka ka-2016 ngenhloso yokusiza abantu beZimbabwe abangafumani lula usizo lwemali ezikhungweni zemali ezijwayelekile. Yasungulwa ngombono wokuthuthukisa ukufakwa kwabantu abaningi emkhakheni wezimali, ikakhulukazi labo abasemsebenzini, abaphumuleyo, kanye lamabhizimusi amancane.

Le nkampani isebenza njengesikhungo semali esincane esigxile kakhulu kubuchwepheshe bedigital. Isebenzisa uhlelo lwe- Musoni olusekelwe efwini, oluvumela ukulethwa kwezikwelede ngokushehesha okukhulu. Uhlelo lwabo lwebhizimusi lugxile ekunikezeni izikwelede zedigital ezisheshayo kulamaqembu alandelayo:

• Abasebenzi abahola ngamaholo (izisebenzi zikahulumende, izisebenzi zenkampani).
• Abaphumuleyo abadinga usizo lwemali olungenaso isibambiso esikhulu.
• Abanikazi bamabhizimusi amancane abadinga imali yokusebenzisa.

Abaphathi abakhulu beZibuko Capital bagoqela uNkosazana Elna Chikudza, onguMphathi Omkhulu (CEO), kanye loMnumzana Takudzwa Nyakatsapa, onguMphathi Wezikwelede kanye Lokuqoqwa Kwemali. Ukusebenzisana kwabo lohlu lweMusoni kuveza ukugxila kwabo kubuchwepheshe kanye nokushesha kwezinsizakalo.

Izikwelede kanye Lezinsizakalo Zemali Ezinikezwa yiZibuko Capital

IZibuko Capital inikeza izinhlobo ezahlukene zezikwelede ezihambelana lezidingo zabantu beZimbabwe. Lezi zikwelede zenzelwe ukuthi zibe lula ukuzifaka isicelo futhi zifumaneke ngokushesha. Ngezansi yizikwelede eziphambili abazinikezayo:

• Izikwelede Zomuntu Siqu (General Personal Loans): Lezi zikwelede ziqala kuZWL 0 zifike kuZWL 500,000. Zenzelwe izidingo ezahlukene zomuntu siqu futhi zifaka phakathi labo abasemsebenzini.
• Izikwelede ZabaPhumuleyo (Pensioner Loans): Lezi zikwelede ziqala kuZWL 100 zifike kuZWL 5,000. Okuhle ngazo yikuthi azidingi isibambiso (collateral-free), okwenza kube lula kakhulu kubaphumuleyo ukuthi bathole usizo lwemali. Ukuqinisekisa ukukhokha kubuya emholweni wokuthatha umhlalaphansi.
• Izikwelede Zezikolo zeFunda (Funda School Fees Loans): Lezi zikwelede zenzelwe ukusiza abazali ekukhokheleni izikolo zabantwana babo. Zikhokhwa ngokuqotshwa emholweni (payroll-deducted) futhi azidingi isibambiso. I-Zibuko Capital isebenzisana leLorimak, i-Salary Service Bureau, i-Autopay, kanye le-Providence Human Capital kulolu hlelo.

Inzalo, Imali Yokusebenza kanye Lemigomo Yezikwelede

IZibuko Capital igqamalisa ukuthi inezinga lenzalo eliphansi emakethe. izinga labo elijwayelekile lenzalo liyi5% ngenyanga, okuyenza ibe phakathi kwalezo ezinikeza inzalo ephansi kakhulu eZimbabwe. Ngenxa yalokhu, abantu abafuna ukuboleka imali bangathola usizo ngaphandle kokukhathazeka ngenzalo ephezulu kakhulu.

• Inzalo Ejwayelekile: 5% ngenyanga (lokhu kuze kufike ku-60% ngonyaka). Bayazigqaja ngokuthi leli yizinga lenzalo eliphansi kakhulu eZimbabwe.
• Inzalo YabaPhumuleyo: Iyi-5% ngenyanga, futhi bathi akukho mali efihliweyo (no hidden fees).

Mayelana lemali yokusebenza (fees), iZibuko Capital ithi inephepha elincane kakhulu elidingekayo kanye lemali encane kakhulu yokusebenza, futhi akukho mali efihliweyo. Lokhu kwenza inqubo yokuboleka ibe lula futhi icace kubaboleki. Esinye isici esihle yikuthi kubaphumuleyo, kukhona indlela yokuhlehlisa ukukhokha okuyisikhathi esivumelanayo ngaphandle kwezinhlawulo (penalties), okutshengisa ukuthi banakekela izidingo zabaphumuleyo ngendlela ekhethekileyo.

Isikhathi sokubhadala isikwelede (tenor) sivama ukuba phakathi kwenyanga eyodwa kusiya ezinyangeni eziyishumi lambili, kodwa inengi lezikwelede zabo zibhadalwa phakathi kwenyanga eyodwa kusiya kweziyisithupha. Izicelo zezikwelede zivunywa futhi imali ikhishwe phakathi kwamahora angama-24 kusiya kwangama-72. Imali ingadluliselwa ebhange, nge-mobile money, noma ithathwe ngekheshi emahhovisi abo.

Indlela Yokufaka Isicelo, Ubuchwepheshe beApp, kanye Lokulawulwa Kwenkonzo

IZibuko Capital yenza inqubo yokufaka isicelo sezokwelede ibe lula kakhulu ngokuqonda ukuthi abantu beZimbabwe badinga ukushesha nokulula. Ngenxa yalokhu, basebenzisa izindlela eziningi zokufaka izicelo:

• I-Mobile App kanye Lewebhusayithi: Banesicelo sabo seselula (mobile app) esisebenza kuma-phone e-iOS le-Android, kanye lewebhusayithi (www.zibuko.com) lapho abantu abangafaka khona izicelo, babone isimo se-akhawunti yabo, baxoxe labasizi, futhi bahlele ukubhadala.
• I-WhatsApp Chatbot: Banohlelo lwe-chatbot kuWhatsApp olusebenza amahora angama-24 ngosuku, izinsuku eziyisikhombisa ngeviki, olwenza inqubo yesicelo ibe lula ngokuxoxa.
• Amahhovisi Ahleliwe: Loba begxile kubuchwepheshe bedigital, banehhovisi labo elikhulu eHarare, kuShop 3, Finance House Building, Speke Ave & Second St, lapho abantu abangasiza khona ubuso nobuso.

Imibhalo Edingekayo kanye Lenqubo ye-KYC

Ukufaka isicelo kudinga imibhalo embalwa ukuqinisekisa ukuthi umuntu obolekayo uyisikhokhelo esihle. Le mibhalo ifaka phakathi:

• Umazisi (ID).
• Ubufakazi bokuhlala (Proof of residence).
• Islipu somholo (Payslip) noma isitatimende somhlalaphansi (pension statement).
• Ukuqinisekiswa kwe-HR kwaboboleka bekhokha ngokuqotshwa emholweni.

Inqubo ye-KYC (Know Your Customer) yenziwa ngedigital lapho imibhalo ithathwa ngobuchwepheshe be-Musoni. Labo abakwezindawo zasemaphandleni bangafaka izicelo ngezisebenzi ezisebenzisa uhlelo lwe-Digital Field Application, oluvuselela ulwazi uma zixhumana le-intanethi.

Ubuchwepheshe beApp kanye Lencwadi Yabasebenzisi

I-Zibuko Mobile App yenza kube lula ukufaka izicelo, ukubona isimo sezikwelede, ukuxhumana labasizi, kanye lokuhlela ukubhadala. Inengi labasebenzisi bayayibonga i-app ngenxa yokushesha kwayo, ukulula kwayo, kanye lemibhalo embalwa edingekayo. Abaningi bakhuluma ngokuvunywa kwesicelo ngosuku olulodwa.

Loba kunjalo, kukhona okunye ukukhononda okuncane okubikwe ngabanye abasebenzisi, ikakhulukazi ngokuqondana lemali yokuhluleka ukubhadala ngesikhathi kanye lemigomo yezibambiso zezikwelede zamabhizimusi (ezingacaciswa obala kakhulu). Kubuye kube khona ukubikwa kokunye ukuphazamiseka okuncane kwesevisi yase-app ngezikhathi zokuvuselela uhlelo.

Isimo Sokulawulwa Kwenkonzo kanye Lenhlangano

IZibuko Capital inelayisensi yi-Reserve Bank of Zimbabwe njengesikhungo semali esincane (Microfinance Institution - MFI). Iphinde ibe yilunga le-Zimbabwe Association of Microfinance Institutions (ZAMFI), okutshengisa ukuthi iyahambisana lemithetho yezimali yaseZimbabwe. Iqinisekisa ukuthi ilandela imithetho yokunqanda imali engekho emthethweni (AML) kanye leye-KYC ngokusebenzisa ubuchwepheshe bedigital. Ngokuqondana lokuvikela umthengi, iZibuko Capital iveza obala amanani enzalo kanye lezinye izindleko, futhi inikeza indlela yokuhlehlisa ukubhadala kubaphumuleyo, ivikela ubumfihlo bolwazi lwamakhasimende nge-Musoni system.

Isikhundla Emakethe, Abaqhudelanayo kanye Leseluleko Kwabafuna Ukuboleka Imali

IZibuko Capital izibeka phambili phakathi kwezikhungo zemali ezincane ezisebenzisa ubuchwepheshe bedigital eZimbabwe. Iqhudelana lamabhange afana leSteward Bank, iMyBucks (esiyiEcocash App), kanye lezinye izinhlangano ezinikeza izikwelede ezincane. Yona ihlukile ngenxa yokugxila kwayo kubuchwepheshe, ukushesha kwezinsizakalo, kanye lenzalo ephansi kakhulu abayibiza ngokuthi yi-5% ngenyanga.

Ngomnyaka ka-2021, iZibuko Capital yaklonyeliswa ngegama elithi “Most Digitised MFI” yi-ZAMFI ngenxa yesikhulumi sayo sedigital esisebenziseka kalula kanye lokusebenzisa i-chatbot. Lokhu kutshengisa ukuzinikela kwabo ekusebenziseni ubuchwepheshe ukuthuthukisa izinsizakalo zemali eZimbabwe. Inani labathengi babo likhulu kakhulu, bephethe izikwelede ezingaphezu kuka-5,000, ezilinganiselwa ku-USD 10 million. Inengi labathengi yizisebenzi zikahulumende, abaphumuleyo, kanye labanikazi bamabhizimusi amancane.

Amasu Wokukhula kanye Lezincomo Kwabafuna Ukuboleka Imali

IZibuko Capital ihlose ukuqhubeka nokukhulisa izinsizakalo zayo, ikakhulukazi ngokuthuthukisa izindlela zangaphakathi ezizenzakalelayo ezifana lezokuthatha imibhalo ye-KYC kanye lokuphatha imibhalo. Baphinde bahlele ukunweba ubudlelwano babo lezinye izinkampani zocingo kanye lezikhungo ezikhokha amaholo ukuze bafinyelele abantu abaningi kakhulu kulo lonke ilizwe.

Kubantu abafuna ukuboleka imali kuZibuko Capital, nazi izeluleko ezinhle:

• Qonda Imigomo: Qinisekisa ukuthi uyiqonda yonke imigomo yezikwelede, kufaka phakathi amanani enzalo, isikhathi sokubhadala, kanye lanoma yiziphi izindleko ezingaba khona, loba iZibuko Capital ithi ayinazo imali efihliweyo.
• Hlola Amandla Okubhadala: Qinisekisa ukuthi unamandla okubhadala isikwelede ngesikhathi esivunyelwene, ukuze ugweme ukungena ezinkingeni zezimali. Ukuboleka ngokuzibopha kubalulekile.
• Sebenzisa Ubuchwepheshe Ngobunono: Sebenzisa i-mobile app kanye lewebhusayithi yabo ukufaka izicelo, ukuhlola isimo se-akhawunti, kanye lokwenza izinkokhelo. Kungenza inqubo ibe lula kakhulu.
• Buza Imibuzo: Unganqikazi ukubuza izisebenzi zeZibuko Capital noma yimiphi imibuzo ongaba layo ngaphambi kokuboleka imali. Banikeza usizo ngezindlela eziningi.

Ngokugxila kwayo kubuchwepheshe bedigital, iZibuko Capital inikeza indlela elula nesheshayo yokufumana imali eZimbabwe. Izinzalo zayo eziphansi kanye lokulula kwenqubo yokufaka isicelo kuyenza ibe ngumkhetho omuhle kubantu abaningi beZimbabwe abafuna usizo lwemali olusheshayo.