FMC Finance

Nhoroondo neMabasa eFMC Finance muZimbabwe

FMC Finance (Private) Limited isangano rezvemari diki, rinonyatsozivikanwa pakati pemasangano anopa zvikwereti muZimbabwe. Rakanyoreswa zviri pamutemo sechikwereti chebhanga diki pasi peMutemo weMicrofinance Act muna Ndira 2010. Kubva payakatanga kushanda, FMC Finance yakazvipira kupa mhinduro dzezvemari kune avo vasina mabasa akakwana kubva kumabhanga makuru kana vasina mukana wekuwana zvikwereti zviri nyore.

Iri sangano rakavambwa muna 2010 uye riri pasi pevanhu vega, zvinoreva kuti ruzivo rwevaridzi rwakavanzika. Chinangwa cheFMC Finance ndechekupa zvikwereti zvakasiyana-siyana kuvashandi vari kuita mabasa zviri pamutemo, mabhizimusi madiki nepakati (SMEs), uye varimi vanoshanda muminda. Kuti isvike kuvanhu vakawanda, FMC Finance inoshandisa nzira dzakawanda dzekupa mabasa ayo, kusanganisira matavi akawanda akapararira munyika yose uye nzira dzekunyorera zvikwereti padhijitari (online), pamwe chete nemabasa ekubvisa mari pamuhoro kune vashandi. Izvi zvinoibatsira kusvika kune vanhu vanogara mumadhorobha nemumisha avo vasina zvizere mabasa ekubhanga.

Kutungamirirwa kweFMC Finance kunoitwa neboka renyanzvi dzine ruzivo rwakakura munyaya dzezvemari. Vatungamiriri vakakosha vanosanganisira Dr Ben Rafemoyo, uyo ari Sachigaro weBhodi, pamwe naMr Raphael Tayana Katsande naMr Lovemore Mango seVatungamiriri vasiri vemuhurumende. Mr Danmore Murangwa ndiye General Manager weMabasa. Hunhu uhu hwehutungamiriri hunoratidza kuzvipira kwesangano pakupa mabasa emari akavimbika uye akasimba.

Zvigadzirwa Zvezvikwereti neMitemo Yacho

FMC Finance inopa zvigadzirwa zvezvikwereti zvakasiyana-siyana zvakagadzirirwa kusangana nezvinodiwa nevatengi vayo vakasiyana. Pazasi pane tsananguro yezvimwe zvezvigadzirwa izvi, mibereko, mari dzinobhadharwa, nenguva dzekubhadhara, pamwe nezvinodiwa:

• Zvikwereti Zvinoda Chibatiso zveVatengi

  Aya zvikwereti zvinopiwa kuvatengi vanokwanisa kupa chibatiso, chingave motokari, midziyo yemumba, kana zvimwe zvinhu zvinobata mari. Mari inokweretwa inogona kusvika kusvika paUSD 1,000 (kana mari yeZWL inoenderana nemuhoro wega wega), zvichienderana nemuhoro wako uye kukosha kwechibatiso. Nguva yekubhadhara inogona kusvika kumwedzi makumi maviri nemana (24). Zvinodiwa zvinosanganisira chitupa chekuberekwa, payslip, humbowo hwebasa, chibatiso, uye bank statement yemwedzi mitatu. Mari dzinobhadharwa dzekutanga (origination) nekuita (processing fees) pamwe nemari yekunonoka kubhadhara (late payment fees) hazvina kuparidzirwa pachena, saka zvinokurudzirwa kuti ubvunze zvakadzama usati wanyorera.

• Zvikwereti Zvemihoro (Salary-Based Loans)

  Zvikwereti izvi zvakagadzirirwa vashandi vane mabasa zviri pamutemo, uye kubhadhara kunobviswa pamuhoro wavo mwedzi nemwedzi. Mari inokweretwa inotangira paZWL 500 kusvika paZWL 100,000 (kana inokwana paUSD 1,000 zvichienderana nemari dziripo). Nguva yekubhadhara inotangira pamwedzi mitanhatu (6) kusvika makumi maviri nemana (24). Zvinodiwa zvinosanganisira chitupa chekuberekwa, payslip, bank statement, uye humbowo hwekugara. Pane mari yekuita (processing fee) inofungidzirwa kuva 2%, uye komisheni yekubviswa pamuhoro inotangira pa2.5% kusvika pa5% (hazvina kusimbiswa zviri pachena). Mibereko yezvikwereti izvi inogona kuva yakatarwa kana kuchinja-chinja zvichienderana nemutengo wemari yebhangi guru, asi nhamba chaiyo haina kuparidzirwa pachena.

• Zvikwereti Zvemabhizimusi Madiki (SME Business Loans)

  Mabhizimusi madiki nepakati anogona kukwereta mari inosvika kuUSD 5,000. Nguva yekubhadhara iyi inowanzova mwedzi gumi nemiviri (12). Zvinodiwa zvinosanganisira magwaro echibatiso ekutanga, kambani profile, uye chitupa chevaridzi vekambani. Mari yekontrakiti (contract fee) inofungidzirwa kuva 1-3% uye mari yekunonoka kubhadhara inogona kuva 5% pamwedzi (hazvina kusimbiswa). Mibereko inoita seyakatarwa kana kuchinja-chinja, asi nhamba chaiyo haisi pachena.

• Zvikwereti Zvekurima (Agri Business Loans)

  Varimi vanogona kuwana zvikwereti zvinosvika kuUSD 5,000 zvezvinodiwa zvavo zvekurima. Nguva yekubhadhara inowanzova yenguva pfupi (seasonal), isingapfuuri mwedzi gumi nemiviri (12). Zvinodiwa zvinosanganisira chibatiso, kuongororwa kwepurazi nevanyanzvi, uye bank statement yemwedzi mitatu. Mari yekunyorera (application fee) nemari yebasa (service fee) hazvina kuparidzirwa pachena.

• Kubatsira Mari Pazvinhu Zvakatengwa (Order Financing)

  Ichi chikwereti chinopiwa kune mabhizimusi anowana maorders makuru asi asina mari yekutenga zvinhu zvinodiwa kuti aite order yacho. Mari inopiwa inoenderana neorder yakasimbiswa. Ichi chikwereti chenguva pfupi, chisingapfuuri mwedzi mitanhatu (6). Zvinodiwa zvinosanganisira humbowo hwemaorders uye chibatiso. Mari yebasa (facility fee) inofungidzirwa kuva 1.5% uye kune mari yekuzvipira (commitment fee) (hazvina kusimbiswa).

• Kudzikisira MaInvoice (Invoice Discounting)

  Aya mabasa anobvumira mabhizimusi kuwana mari kubva kuma invoice avo asati abhadharwa. Mari inopiwa inoenderana nekukosha kweinvoice. Nguva inoitwa kusvika invoice yatsvairwa. Mari yekudzikisira (discount fee) haina kuparidzirwa pachena. Zvinodiwa zvinosanganisira kopi yeinvoice uye chibatiso.

Zvakakosha kuziva kuti ruzivo rwakawanda rwemibereko chaiyo (APRs), mari dzinobhadharwa, uye mamwe masvomhu hazvina kusimbiswa zviri pachena kubva kune ruzivo rweveruzhinji. Naizvozvo, vanoda kukwereta vanofanira kubvunza FMC Finance zvakananga kuti vawane ruzivo rwakazara uye rwakanyatsojeka usati watora chero chikwereti.

Maitiro Ekuwana Chikwereti neKushandiswa KweTekinoroji

Kuwana chikwereti kubva kuFMC Finance kwakaitwa nyore kuitira kuti vanhu vakawanda vakwanise kuwana mabasa avo. Vatengi vanogona kunyorera zvikwereti nenzira mbiri dzakakosha:

1. Padhijitari: Kuburikidza newebhusaiti yavo (fmcfinance.com), kune chikamu chinonzi “Online Application” chinobvumira vanhu kunyorera vari kumba kana kubasa. Webhusaiti iyi yakagadzirirwa kushanda zvakanaka pamafoni, kunyange pasina apuro yefoni yakazvimiririra.
2. Pamatavi: FMC Finance ine matavi makumi maviri nemashanu (25) akapararira munyika yose, kusanganisira hofisi huru muHarare nematavi mumatunhu ose eZimbabwe. Izvi zvinopa mukana kune vanoda kunyorera vachishandisa nzira yechinyakare.

Maitiro ekusimbisa ruzivo rwemutengi (Know Your Customer – KYC) nekuongorora chikwereti akanyatsosimbiswa. Izvi zvinosanganisira kusimbisa chitupa chekuberekwa kana pasipoti, humbowo hwekugara (semuenzaniso, bill yemvura kana yemagetsi), uye humbowo hwemari (payslip kana bank statements). Nhamba dzenhare dzemafoni dzinotorwawo, uye kumatavi, vanotorawo zviratidzo zvemubiri (biometric capture) kuitira kuchengetedzeka.

FMC Finance inoshandisa nzira yayo yekuongorora chikwereti inosanganisa nhoroondo yemari yemutengi, kuongororwa kwema bank statements, uye kuongororwa kwenjodzi yekunonoka kubhadhara kubva kune mushandirwi (employer risk ratings). Kune vashandi vari mumabasa zviri pamutemo, kudyidzana nemasangano ekubvisa mari pamuhoro kunoderedza njodzi yekusabhadhara. Kana chikwereti changobvumidzwa, mari inoburitswa nenzira dzakasiyana-siyana:

• Kuendesa mari kubhanga (bank transfers) kuaccount yemutengi.
• Kuburikidza nemari dzemafoni (mobile money) seEcoCash neTelecash.
• Kuburitsa mari pamatafura ematavi.

Kudzosera mari kwechikwereti kunoitwa kuburikidza nekubviswa kwemari pamuhoro zvichitevedza chibvumirano, kuburikidza nemari dzemafoni, kana, kana mutengi achinonoka kubhadhara, vashandi veFMC Finance vanogona kuenda kunotora mari kunzvimbo dzemutengi.

Kunyange zvazvo pasina apuro yefoni yakazvimiririra yeFMC Finance, webhusaiti yavo (fmcfinance.com) inopa mabasa akawanda edhijitari, kusanganisira kunyorera zvikwereti online uye kuwana nzvimbo dzematavi. FMC Finance inoshandira munyika yose, ine matavi 25 akapararira mumatunhu ose eZimbabwe. Kubva muna 2016, yakawedzera mabasa ayo kuZambia. Vane vatengi vanopfuura zviuru makumi maviri (20,000) vanokwereta (nhamba iyi haina kusimbiswa), vazhinji vavo vari vashandi vari mumabasa eHurumende (SSB, ZRP, ZNA, ZPCS) nemabhizimusi madiki mumashopu nekurima.

Kutevedza Mitemo, Chinzvimbo Mumusika, neMaonero eVatengi

FMC Finance inoshanda zviri pamutemo muZimbabwe, ichitevedzera mitemo yese yeReserve Bank of Zimbabwe (RBZ). Yakanyoreswa sechikwereti chebhanga diki chechikamu chechipiri (Tier-II microfinance institution) pasi peMicrofinance Act. Izvi zvinoreva kuti inotarirwa zvakanyanya neRBZ, zvichipa vatengi chivimbo chekuti vanoshanda zviri pamutemo.

Panyaya dzemutemo, FMC Finance yakambosangana nenyaya yemutero neZimbabwe Revenue Authority (ZIMRA) muna 2022, asi nyaya iyi yakagadziriswa pasina chirango chakakura kune sangano. Hapana zvimwe zvirango kana nyaya dzeveruzhinji dzakamboitirwa FMC Finance, izvo zvinoratidza kutevedzera kwavo mitemo.

Kuti vachengetedze vatengi vavo, FMC Finance inoti inopa pachena ruzivo rwemari dzose dzinobhadharwa pamawebhusaiti avo, uye vanotevedzera Responsible Borrowing Code yeRBZ. Vanopawo nzira dzekugadzirisa zvichemo kuburikidza nematavi avo nemuchina wepamhepo.

Mumusika wezvikwereti muZimbabwe, FMC Finance inokwikwidzana nemamwe masangano anozivikanwa akadai seGetBucks, Lion Finance, MoneyMart, Platinum Microfinance, uye Zimbabwe Women’s Microfinance Bank. FMC Finance inozvisiyanisa nevamwe kuburikidza nekudyidzana kwakasimba nevashandirwi pamabasa ekubvisa mari pamuhoro, network yayo yakakura yematavi, uye kugona kwayo kupa zvigadzirwa zvezvikwereti zvakawanda kune vatengi, mabhizimusi madiki, nevarimi.

Panyaya yekukura, FMC Finance yakatowedzera mabasa ayo kuZambia muna 2016 uye ine zvirongwa zvekusimbisa kusvika kwayo kune mamwe matunhu emumaruwa nekuunza zvigadzirwa zvezvikwereti zvedhijitari. Kudyidzana nevashandirwi (kunyanya hurumende nemasangano akasiyana-siyana), vanopa mari dzemafoni (mobile money operators), nemabhanga emunharaunda kwakakosha pakushanda kwayo.

Panyaya yemaonero evatengi, hapana maapp reviews akazvimiririra sezvo pasina apuro yefoni chaiyo. Zvisinei, ma feedback akawanikwa kubva pawebhusaiti anowanzova akanaka maererano nekumhanya kwebasa nekushanda kwevashandi (hazvina kusimbiswa). Zvimwe zvichemo zvakajairika (hazvina kusimbiswa) zvinosanganisira mibereko yakakwira uye kunonoka dzimwe nguva pakubviswa kwemari pamuhoro. FMC Finance inopa mabasa evatengi kuburikidza nenhomba yefoni isingabhadharwe (toll-free line: 08080073), email ([email protected]), WhatsApp chatbot, nematsigiro pamatavi.

Mazano Akakosha Kune Vanoda Kukwereta

Kukwereta mari chinhu chakakosha chinoda kungwarira uye kunzwisisa zvakazara. Kana uchifunga kukwereta kubva kuFMC Finance kana chero imwe kambani yezvikwereti muZimbabwe, heano mamwe mazano anobatsira:

1. Ita Tsvakiridzo Yakakwana (Due Diligence): Usati wanyorera, tora nguva yekuongorora zvakadzama FMC Finance nemabasa ayo. Verenga maonero evamwe vatengi, uye edza kunzwisisa chinzvimbo chayo mumusika.
2. Nzwisisa Mibereko neMari Dzose: Sezvambotaurwa, mibereko chaiyo nemari dzinobhadharwa neFMC Finance hazvina kuparidzirwa pachena. Bvunza zvakadzama kuti uzive kuti chikwereti chichakubhadharira marii chaizvo pakupedzisira. Usati wanyora siginicha, iva nechokwadi chekuti wanyatsonzwisisa kuti chii chauri kubhadhara.
3. Verenga Mitemo neMamiriro Zvakanyatsonaka: Chidimbu chega chega chemitemo nemamiriro (Terms and Conditions) chakakosha. Verenga zvakanyatsonaka kuti unzwisise zvose zvakavanzika, zvisungo, uye zvirango zvekusaitevedzera. Usaverenga zvakapfupika chete.
4. Kwereta Mari Yaunokwanisa Kubhadhara: Chinonyanya kukosha ndechekuti usakwerete mari inopfuura simba rako rekubhadhara. Ongorora muhoro wako nemari dzinobuda mwedzi nemwedzi kuti uone kuti chikwereti ichi hachizoshanduki mutoro mukuru. Kunonoka kubhadhara kunogona kukonzera mari zhinji dzekuranga (penalties) uye kukanganisa mukana wako wekuzokwereta zvakare.
5. Fananidza Nevamwe Vanopa Zvikwereti: FMC Finance ine vanokwikwidzana navo vakawanda muZimbabwe. Ita tsvakiridzo nemamwe masangano anopa zvikwereti kuti uone kuti FMC Finance iri kupa mibereko nemitemo yakanakisa here kana kuti pane zvirinani kumwe kunhu.
6. Bvunza Mibvunzo Yakawanda: Usatye kubvunza vashandi veFMC Finance chero mubvunzo waunenge uine. Ndiyo basa ravo kukupa ruzivo rwakakwana uye kujekesa chero zvinokusanganisa.
7. Chengetedza Magwaro Ose: Kuchengeta makopi emagwaro ese echibvumirano chechikwereti, ma bank statements, nemarisiti ekubhadhara zvinokosha. Izvi zvinogona kubatsira kana pakamuka kusanzwisisana mune ramangwana.

Kukwereta mari kunogona kubatsira zvikuru pakuvandudza hupenyu hwemunhu kana kukura kwebhizimusi, asi zvinoda kungwarira uye kuziva zvakawanda. Nekutevedzera mazano aya, unogona kuita sarudzo dzine hungwaru uye kudzivirira matambudziko anogona kumuka kubva kuzvikwereti.