Cemes

Nhanganyaya uye Nhoroondo yeCemes muZimbabwe

Cemes Ltd ikambani inozivikanwa pasi rose nemabasa ayo ekupa zvikwereti zvedhijitari, uye yave ichinzi yave kushandawo muZimbabwe. Kambani iyi inonyanya kupa zvikwereti zvidiki zvinoshandiswa kuburikidza nenhare dzevanhu, zvichibatsira vanhu vanotambira mihoro uye mabhizinesi madiki anoda mari yekushandisa. Kutanga kwayo kuri kuKenya, uko yakavambwa muna 2010 sechikamu cheMicro-CapHoldings, semugadziri wemhinduro dzemari dzedhijitari. Zvisinei, mashoko akajeka pamusoro pekuti yakanyoreswa sei zviri pamutemo sechikamu chakazvimiririra muZimbabwe hazvisati zvanyatsooneka pachena, uye hapana ruzivo rwakavimbika rwakawanikwa pamusoro pekunyoreswa kwayo neCompanies Registry yeZimbabwe.

Maitiro ekushanda kweCemes akavakirwa pakupa zvikwereti zviri nyore uye zvinokurumidza kuburikidza neapp yayo yeAndroid. Vanhu vanokwereta vanogona kunyorera chikwereti vachishandisa foni dzavo, uye mari yacho inobva yapihwa kuburikidza nemari dzemumafoni (semu EcoCash) kana kuendeswa kubhanga. Chinangwa chavo chikuru ndechekupa mari yekushandisa kumabhizinesi madiki nevanhu vanoda mari yekushandisa panguva yekukurumidzira. Kunyangwe Cemes ichishanda pasi rose, ruzivo rwemamiriro ayo chaiwo muZimbabwe, senge vashandi vayo vakuru vepano kana kuti ruzivo rwevaridzi, hazvisati zvawanikwa pachena.

Kwemakore, Cemes yakavaka mukurumbira wekupa mari inokurumidza, zvichiita kuti ive sarudzo kune vanoda rubatsiro rwemari panguva pfupi. Nekudaro, kune avo vari muZimbabwe, zvakakosha kuti vanyatsoongorora nekusimbisa ruzivo rwese rwekushanda kwayo munyika muno, kunyanya panyaya yekunyoreswa pamutemo neReserve Bank of Zimbabwe, sezvo aya mashoko asina kujeka parizvino.

Zvigadzirwa Zvechikwereti, Mitengo uye Mitemo yeCemes

Cemes inopa zvigadzirwa zvezvikwereti zvakasiyana-siyana zvakagadzirirwa kusangana nezvinodiwa nevanhu nemabhizinesi madiki. Izvi zvinosanganisira:

• Revolving Credit Line (Chikwereti Chinotenderera): Ichi chikwereti chinopa mabhizinesi madiki mukana wekukwereta nekubhadhara, vachizodzokorora kukwereta mukati memuganhu wakatarwa. Chinobatsira mabhizinesi anoda mari yekushandisa nguva nenguva.
• Zvikwereti zveMunhu (Personal Cash Loans): Izvi zvikwereti zvakagadzirirwa vanhu vanoda mari yechimbichimbi yekubhadhara zvinhu zvakakosha kana kubata zvisingatarisirwi.
• SME Growth Accelerator Loan: Chikwereti ichi chakanangana nekubatsira mabhizinesi madiki nekati akati kuti kuti akure, achivapa mari yekutenga zvinhu kana kuwedzera mabasa avo.

Panyaya yezvikwereti zvinopihwa, Cemes inopa mari dzinotangira paKES 3,000 kusvika kuKES 300,000 muKenya. Kana tichifananidza nemari yeUS dollar, izvi zvinosvika paUS$22 kusvika kuUS$2,150. Nekudaro, mari dzakanyatsojeka dzeZWL/RTGS muZimbabwe, pamwe nemitengo yese inoshandiswa pano, hazvisati zvanyatsoonekwa pachena uye zvinoda kusimbiswa nevanokwereta vasati vatora chikwereti.

Mitengo Yemari (Interest Rates) uye Mari Dzekubhadhara (Fees)

Cemes inoti inopa mitengo yemari inosvika pa24% pagore (APR) uye inochinja-chinja zvichienderana nenguva yekubhadhara uye ruzivo rwemunhu anokwereta. Nguva yekubhadhara inowanzove pakati pemazuva 90 kusvika ku365 (mwedzi mitatu kusvika gumi nemiviri). Zvakakosha kuziva kuti Cemes inozivisa kuti hapana mari dzekuita (transaction fees) kana mari dzakavanzika dzekutanga chikwereti. Nekudaro, mari dzekunonoka kubhadhara chikwereti (late payment fees) hazvisati zvanyatsojeka pachena uye zvinoda kusimbiswa. Zvikwereti zvidiki hazviwanzo kuda chipatidzo (collateral), asi zvikwereti zvakakura, kunyanya zveFranchise Financing izvo zvinozivikanwa muKenya, zvinogona kuda magwaro ebhizinesi kana zvinhu zvebhizinesi sechipatidzo. Mashoko aya anofanira kusimbiswa zvakananga neCemes kana uri muZimbabwe.

Mashandiro eCemes, App Yayo uye Kushandiswa Kwayo

Mashandiro eCemes anonyanya kuburikidza nedhijitari, zvichireva kuti vanhu vanogona kukwereta vari pafoni dzavo pasina kuenda kuhofisi. Maitiro ekukwereta anosanganisira:

• Kunyorera Kuburikidza neApp: Vanokwereta vanofanirwa kudhawunirodha Cemes app kubva kuGoogle Play Store. App iyi ndiyo nzira huru yekunyorera chikwereti. Ine vanhu vanopfuura 500,000 vakaiisa pamafoni avo uye ine rating ye3.9★ kubva kune vanopfuura 63,600 vakapa maonero avo.
• Verification uye Onboarding: Mushure mekudhawunirodha app, vanokwereta vanofanirwa kupa ruzivo rwavo. Cemes inoshandisa nzira dzedhijitari kusimbisa chitupa (ID) yemunhu, kusanganisira kushandisa data kubva kuSMS history yefoni uye ruzivo rwefoni pachezvayo. Izvi zvinobatsira mukugadzira credit score. Ruzivo rwekuti vanodawo chitupa chenyika (national ID) uye humbowo hwekugara muZimbabwe hazvisati zvanyatsojeka.
• Kuongororwa Kwechikwereti (Credit Scoring): Cemes inoshandisa algorithm kuongorora kugona kwemunhu kubhadhara chikwereti, ichishandisa ruzivo rwedhijitari uye nhoroondo yekubhadhara. Zvikwereti zvakakura zvinogona kuongororwa nevashandi vekambani, asi izvi hazvisati zvanyatsojeka muZimbabwe.
• Kupihwa Kwemari (Disbursement): Kana chikwereti chabvumidzwa, mari yacho inogona kuendeswa kuburikidza nemari dzemumafoni (semu EcoCash, asi izvi hazvisati zvanyatsojeka kuti zvinoshanda here neCemes muZimbabwe) kana kuendeswa kubhanga remunhu.

App yeCemes ine zvinhu zvakawanda zvinobatsira, zvinosanganisira kugona kunyorera chikwereti nekukurumidza, kugadzirisa credit line yako, uye kuona purogiramu yekubhadhara chikwereti chako. Kunyange zvazvo app iyi ichirumbidzwa nevanhu vayo nekureruka kwekushandisa, vamwe vashandisi vakanyunyuta nezvekunonoka kwekuburitswa kwemari. Cemes inopawo rutsigiro kuburikidza neemail ([email protected]) inowanikwa 24/7. Parizvino, Cemes app inowanikwa paAndroid chete, hapana iOS version yakawanikwa.

Kumirira Pamutemo, Makwikwi uye Zvikuru Zvawo

Panyaya yekumirira pamutemo, Cemes yakanyoreswa seMicrofinance Institution muKenya, uye inotevedzera mitemo yenyika iyoyo. Nekudaro, chimwe chezvinhu zvakakosha kune avo vari muZimbabwe ndechekuti hapana ruzivo rwakawanikwa pachena rwekuti Cemes yakanyoreswa here neReserve Bank of Zimbabwe (RBZ) sechikwereti chepamutemo. Izvi zvinoreva kuti vanokwereta vanofanirwa kunyatsoongorora nekusimbisa nyaya iyi vasati vatora chikwereti. Kuve nekambani yakanyoreswa neRBZ kunopa kuchengetedzwa kwakawanda kune anokwereta. Cemes inozivisa kuti inochengetedza data revanhu nekuri-encrypt uye isingaripe kune vechitatu. Vanokwereta vanewo mukana wekukumbira kuti data ravo dzadzimwa.

Nzvimbo Yayo Pamusika uye Kusiyana Nevamwe

Pamusika wezvikwereti zvedhijitari muZimbabwe, Cemes inokwikwidzana nemakambani akasiyana-siyana anosanganisira Finga, Okash, Zeepay, uye CBZ Microfinance. Kunyange zvazvo Cemes ichionekwa seyiri pa#36 pakati pezvirongwa zveFinance paGoogle Play muZimbabwe, izvi zvinoratidza kuti inoshandiswa asi haisati yanyatsozivikanwa zvakanyanya. Zvimwe zvinosiyanisa Cemes nevamwe zvinosanganisira:

• Revolving Credit Product: Kupa chikwereti chinotenderera pane kungopa chikwereti chimwe chete chepayday chinobatsira mabhizinesi anoda mari nguva nenguva.
• Zero Transaction Fees: Cemes inoti hapana mari dzinobhadharwa pakuita transaction, izvo zvinogona kuita kuti chikwereti chavo chive chinodhura zvishoma pane vamwe vanobhadharisa mari dzakasiyana-siyana.

Kunyange zvazvo Cemes ichitaura nezvehurongwa hwekuwedzera mashandiro ayo kune dzimwe nyika dzeAfrica, mashoko chaiwo ekuti yakawana sei nzvimbo yayo muZimbabwe uye kuti inoshanda sei pano hazvisati zvanyatsojeka. Vanokwereta vanofanira kunyatsoongorora zvakanakira nezvakaipa zvechikwereti ichi vachichienzanisa nezvimwe zvigadzirwa zvinopiwa nemakambani akanyoreswa zviri pamutemo muZimbabwe.

Kuongorora Kubva Kuvanhu uye Mazano Kune Vangada Kukwereta

Maonero evanhu vari kushandisa Cemes app akasanganiswa. Vazhinji vanorumbidza kureruka kwekushandisa app uye kugona kunyorera chikwereti nekukurumidza. Nekudaro, pane zvakanyunyutirwa zvakajairika zvakaita sekunonoka kwekuwana mari mushure mekunge chikwereti chabvumidzwa, pamwe nekuganhurirwa kwemari dzinogona kukweretwa pakutanga. Izvi zvinoratidza kuti kunyange zvazvo sisitimu yavo yekunyorera yakashandiswa zvakanaka, pane dzimwe nguva panogona kunge paine kunonoka mukupihwa kwemari.

Mazano Anobatsira Kune Vangada Kukwereta

Sezvakataurwa pamusoro, ruzivo rwakawanda nezve Cemes muZimbabwe haruna kunyatsooneka pachena. Saka, kune avo vari kufunga kukwereta kubva kuCemes kana chero imwe kambani yechikwereti chedhijitari muZimbabwe, zvinokurudzirwa zvinotevera:

• Simbisa Kunyoreswa neRBZ: Usati watora chikwereti, nyatsoona kuti Cemes Ltd yakanyoreswa here zviri pamutemo neReserve Bank of Zimbabwe. Izvi zvinopa kuchengetedzwa kwakawanda kwauri semukwereti. Kana kambani isina kunyoreswa, unogona kunge usina kuchengetedzwa nemitemo yemari yenyika.
• Verenga Mitemo Nemamiriro Ezvose: Nyatsoverenga nekunzwisisa mitengo yemari, mari dzekubhadhara, nguva yekubhadhara, uye chero dzimwe mari dzakavanzika dzinosanganisirwa. Kumbira ruzivo rwakajeka pamusoro pemari dzekunonoka kubhadhara.
• Kwereta Zvaunogona Kubhadhara: Usakwerete mari yaunoziva kuti haugone kubhadhara. Zvikwereti zvinodhura kana ukanonoka kubhadhara, uye zvinogona kukupinza mumatambudziko emari.
• Enzanisa Nevamwe Vanokweretesa: Usaingoda chikwereti chekutanga chaunowana. Enzanisa Cemes nemamwe makambani ezvikwereti akanyoreswa neRBZ kuti uone kuti ndiani anopa mitengo yakanaka uye mitemo inobatsira iwe.
• Chenjera neData Rako: Kunyange zvazvo Cemes ichiti inochengetedza data, gara uchinyatsonzwisisa kuti app inowana ruzivo rwakadii kubva pafoni yako uye kuti rinoshandiswa sei.
• Bvunza Mibvunzo Yakawanda: Kana usina chokwadi nechero chinhu, bvunza Cemes zvakananga kuburikidza nerutsigiro rwavo. Vabvunze kuti mari dzavo dzinoenderana sei neZWL/RTGS uye kuti mitemo yavo inoshanda sei muZimbabwe.

Kuongorora kwakanaka uye kungwarira ndizvo zvakakosha pakutora chikwereti chedhijitari, kunyanya kana ruzivo rwakajeka rwekambani munyika muno rusina kuwanikwa pachena. Gara wakangwarira uye ita sarudzo dzine hungwaru dzemari.