HiMoney

Nhanganyaya yeHiMoney muZimbabwe

HiMoney, inoshanda pasi pezita rekuti WILKALIA (PRIVATE) LIMITED, ikambani inopa zvikwereti zvepamagetsi yakamira zvakasimba muZimbabwe. Yakavambwa mugore ra2023, kambani iyi yakazvipira kubatsira vanhu vemuZimbabwe vanoda mari yechimbichimbi kana kuti vanoda kukurisa mabhizinesi avo madiki, vachishandisa tekinoroji yenharembozha nemapuratifomu epamhepo. Kubva payakatanga, HiMoney yakashanda kuburikidza nemhando yebhizinesi inopa zvikwereti zvisina chivimbiso, izvo zvinoita kuti vanhu vakawanda vakwanise kuwana rubatsiro rwemari pasina kunetseka nezvekupa zvinhu zvavo sechivimbiso.

Chinjana chemabhizinesi cheHiMoney chakapfava asi chine simba. Vatengi vanoisa zvikumbiro zvavo zvechikwereti kuburikidza neapp yavo yenharembozha kana webhusaiti yavo. Mushure meizvi, maitiro ekutarisa kuti mutengi anokwanisa here kubhadhara chikwereti anoitwa nemichina, zvichikonzera kuti chisarudzo chiwanikwe nekukurumidza. Kana chikwereti chabvumidzwa, mari yacho inobva yatumirwa pakarepo kuakaundi yemutengi yemari yenharembozha, seEcoCash kana InnBucks. Chikamu chikuru chevanoda kubatsirwa neHiMoney vanhu vakuru vemuZimbabwe (vane makore 18 zvichikwira) vane zvavo zvinovatambirisa uye vanoshandisa mari yenharembozha nguva dzose.

Zvechikwereti Zvinopiwa neHiMoney

HiMoney inopa mhando dzakasiyana dzezvikwereti, zvose zvisina chivimbiso uye zvechinguvana. Izvi zvinoreva kuti haufanire kupa chivimbiso chero chipi zvacho, zvichiita kuti maitiro ekunyorera ave nyore uye nekukurumidza.

Mhando dzeZvikwereti

• Zvikwereti zveMunhu: Izvi zvinowanikwa kubva paUSD 10 kusvika USD 1,000, zvakagadzirirwa kubatsira vanhu nezvinodiwa zvavo zvemari zvezuva nezuva.
• Zvikwereti zveChimbichimbi: Zvakafanana nezvemunhu asi zvinobvumidzwa nekukurumidza kana paine chimbichimbi chemaricho. Mari yacho iri pakati peUSD 10 neUSD 1,000.
• Zvikwereti Zvidiki zveBhizinesi: Kunyangwe pasina zita rakanyatsojeka, HiMoney inopa zvikwereti zvebhizinesi zvidiki zvinosvika kuUSD 1,000, zvakagadzirirwa kubatsira mabhizinesi madiki kutenga zvinhu kana kubatanidza mipata yemari.

Mari yeZvikwereti, Mitengo yeRenzisi, neMitemo

• Mari dzeZvikwereti: Chikwereti chidiki chauchawana iUSD 10, uye chikuru iUSD 1,000. Izvi zvinoita kuti HiMoney ikwanise kubatsira vanhu vane zvinodiwa zvakasiyana-siyana.
• Mitengo yeRenzisi (Interest Rates) neAPR: Renzisi yezuva nezuva inosvika pa0.22%. Izvi zvinoreva kuti Renzisi yegore rose (APR) iri pakati pe138% ne163%, zvichienderana nekugona kwemutengi kubhadhara uye njodzi inobata kambani. Zvakakosha kunyatsonzwisisa mutengo uyu usati wakwereta.
• Nguva yeChikwereti neKubhadhara: Unogona kubhadhara chikwereti chako mukati memazuva 91 kusvika 180. Kazhinji, chikwereti chinobhadharwa mari yose panguva imwe chete kana nguva yachapera. Kune zvikwereti zviri pasi peUSD 100, hapana sarudzo yekubhadhara zvishoma nezvishoma, asi kune zvikwereti zvakakura, izvi zvinogona kubvumidzwa.

Mari dzeBasa uye Zvirango

• Mari yeBasa (Service Fee): HiMoney inobvisa mari yebasa iri pakati pe10% ne15% yemari yose yechikwereti. Mari iyi inobviswa pakarepo panguva yekutanga, usati wawana mari yacho. Semuenzaniso, kana wakwereta USD 100, unogona kungogamuchira USD 85 kana USD 90 mushure mekunge mari yebasa yabviswa.
• Chirango cheKunonoka Kubhadhara: Kunyangwe zvisina kusimbiswa zviri pamutemo, panogona kuve nechipo chekusvika pa5% yemari yese isati yabhadharwa kana ukazononoka kubhadhara chikwereti chako. Izvi zvinokurudzira vatengi kubhadhara nenguva.

Nzira yekunyorera neKushanda kweApp

Kushandisa HiMoney kureruka nekukurumidza, nekuda kwetekinoroji yavo yemazuva ano. Maitiro ekunyorera akagadzirirwa kuve nyore kune vashandisi veapp.

Nzira Yekunyorera uye Zvinodiwa

Kuti ukwanise kunyorera chikwereti neHiMoney, unofanira kuve uine zvimwe zvinodiwa. Maitiro acho akanyatsorongwa kuti ave nyore kune wese:

1. Kushandisa App kana Webhusaiti: Unogona kunyorera kuburikidza neapp yeHiMoney (inowanikwa paGoogle Play Store yeAndroid) kana kuburikidza newebhusaiti yavo, himoneyapp.com.
2. Zvinodiwa zveKYC (Ziva Mutengi Wako): Unofanira kuve uri mugari weZimbabwe, uine chitupa chenyika chinoshanda. Unofanirawo kuve uine nhamba yenharembozha inoshanda (Econet kana NetOne), uye uine makore 18 kana kupfuura. Zvinodiwawo kuti uge uine akaunti yemari yenharembozha inoshanda seEcoCash kana InnBucks.
3. Maitiro Ekuisa Chisimbu: Mushure mekunyoresa nhamba yako yenharembozha, unozokumbirwa kuisa mufananidzo wechitupa chako uye selfie yako. Unozofanirawo kubvumira HiMoney kuti iunganidze dzimwe ruzivo kubva kunhare yako, seSMS nemaitiro ako ekufamba (location), izvo zvavanoshandisa kuita ongororo yekugona kwako kubhadhara.
4. Kubvumidzwa Kwega: Mushure mekuisa ruzivo rwese, maitiro ekubvumidzwa kwechikwereti anowanzoitika mukati memaminitsi mashoma, nekuda kwemichina yavo yekutarisa.

Kushanda kweApp yeHiMoney

App yeHiMoney yakagadzirirwa kuve nyore kushandisa uye ine zvishandiso zvinobatsira zvikuru:

• Kuwana Nyore: Inowanikwa paGoogle Play Store, uye ine nyeredzi 4.4 kubva pa5, iine vanhu vanopfuura 100,000 vakairodha.
• Zvishandiso zvinobatsira: App iyi ine chekuverengesa chikwereti (loan calculator), chirongwa chekubhadhara (repayment scheduler), uye unogona kutarisa mari yaunokwanisa kukwereta (credit-limit tracking).
• Rubatsiro: Kune chat yerubatsiro mukati meapp yacho kana ukasangana nedambudziko.

Maitiro eKutarisa Kuti Unokwanisa Here Kubhadhara Chikwereti

HiMoney inoshandisa michina yepamusoro yekutarisa njodzi. Michina iyi inotarisa maitiro ako emari, senge kutengeserana kwako kwemari yenharembozha, maitiro eSMS, uye nzvimbo yako. Hazviite kuti HiMoney itarise ku credit bureau dzechinyakare; panzvimbo pezvo, inoshandisa nzira yayo yekutarisa inobva pamaitiro emutengi.

Kubatana neMitemo, Maonero eVatengi, uye Makwikwi

Kuti kambani ibudirire, inofanira kutevedzera mitemo, kuva nemukurumbira wakanaka pakati pevatengi, uye kuziva zvauri kuitira kukunda makwikwi.

Maitiro eKambani neMitemo yeNyika

HiMoney inoti inoshanda ichitevedzera mitemo yeReserve Bank of Zimbabwe kune makambani anopa mari asiri mabhanga. Inotizve yakanyoreswa kuZimbabwe Financial Intelligence Unit kuitira kutevedzera mitemo yekurwisa mari isina kuchena (AML/CFT). Kunyangwe zvazvo mvumo yekushanda isina kusimbiswa zviri pachena, kambani inoratidza kuti inoedza kuve pachena maererano nemitengo yeAPR nemari dzeBasa muapp yayo. Vatengi vanewo kodzero yekukumbira kuti ruzivo rwavo rubviswe, uye mutemo wekuvanzika kwedata unowanikwa muapp.

Maonero eVatengi uye Nzvimbo yeKambani Pamusika

HiMoney ine maonero akanyatso naka kubva kuvanhu vayo. PaGoogle Play Store, inokosheswa nenyeredzi 4.4 kubva pa5, zvichiratidza kuti vanhu vanofarira kushandisa app yavo. Zvinonyanyorumbidzwa kubva kuvanhu zvinosanganisira kureruka kwekushandisa kweapp uye kubvumidzwa nekukurumidza kwezvikwereti. Zvisinei, kune zvichemo zvishoma zvine chekuita nemitemo yekuwanika isingaonekwe zvakanaka (opaque eligibility rules), kurambwa kunoenderera, uye kushaikwa kwesarudzo yekubhadhara zvishoma nezvishoma kune zvikwereti zvidiki.

Pamusika weZimbabwe, HiMoney yave nesimba guru. Yakatoita yava #1 Finance App paGoogle Play Zimbabwe muna Gunyana 2025 (zvichitevera ma statistics asina kusimbiswa). Izvi zvinoratidza kukura kwayo kwakasimba. Inokwikwidzana nemamwe makambani akadai seEcoCash KaShagi, InnBucks, LendVest, neZima Cash.

Kufananidza nevamwe Vanopa Zvikwereti

• EcoCash KaShagi: Yabatanidzwa neEcoCash, inopa mari dzeBasa dzakaderera.
• InnBucks: Inopa zvikwereti zvakakura, uye inobatana nemabhanga.
• LendVest: Inopa zvikwereti zveboka (group lending), ichishandisa chivimbiso chevanhu (social collateral).
• Zima Cash: Inopa nguva dzakareba dzekubhadhara, uye APR yakaderera.

HiMoney inozvimiririra nekukurumidza kwayo, kureruka kwekushandisa, uye kusashandisa chivimbiso. Iine zvirongwa zvekukura, kusanganisira kuunza sarudzo yekubhadhara zvishoma nezvishoma (pay-in-installments) nezvikwereti zvidiki zvebhizinesi.

Mazano Anobatsira kune Vanoda Kukwereta

Usati wakwereta mari kubva kuHiMoney kana chero kambani yechikwereti, zvakakosha kunyatsonzwisisa zvese. Heano mamwe mazano anobatsira kune vanogona kukwereta:

• Nzwisisa Mitengo: Kunyatsonzwisisa renzisi yezuva nezuva (0.22%) neAPR (138%-163%) kwakakosha. Mitengo iyi inogona kutaridzika kunge midiki pazuva, asi inogona kukwira zvikuru panguva yakareba. Nyatsoverenga kuti uchabhadhara marii yose.
• Tarisa Mari dzeBasa: Rangarira kuti HiMoney inobvisa 10%-15% yemari yechikwereti pakutanga. Izvi zvinoreva kuti hausi kuzogamuchira mari yose yawakakwereta. Rongedza bhajeti rako zvinoenderana nehuwandu hwemari yauchawana mushure mekunge mari dzeBasa dzabviswa.
• Kwanisa Kubhadhara Nenguva: Zvikwereti zveHiMoney zviri zvechinguvana. Nyatso tarisa kuti une chokwadi here chekuti uchakwanisa kubhadhara mari yose panguva yakatarwa (mukunonoka kwemazuva 91-180). Kunonoka kubhadhara kunogona kuunza zvirango zvemari.
• Verenga Mitemo neMamiriro: Usatya kuverenga zvinyorwa zvidiki (terms and conditions). Nzwisisa zvakanyatsojeka nezve nguva yekubhadhara, chirango chekunonoka, uye chero dzimwe mari dzakavanzika.
• Shandisa Chikwereti Neuchenjeri: Chikwereti hachisi mari yemahara; chinofanira kubhadharwa. Shandisa mari yechikwereti pane zvinodiwa chaizvo, kwete pane zvinhu zvisina basa. Kana uri kukweretera bhizinesi, nyatso tarisa kuti bhizinesi racho rinogona here kuburitsa mari yekubhadhara chikwereti.
• Chengetedza Ruzivo Rwako: Kana uchishandisa app, chengetedza nhamba yako yechikwereti neruzivo rwako rwese. Usaudza munhu ruzivo rwako rwepasi.
• Fananidza Nevamwe: Usati wakwereta, tsvaga nemamwe makambani anopa zvikwereti muZimbabwe. Fananidza mitengo, mari dzeBasa, uye mitemo yekubhadhara kuti uwane chakanakisa kwauri.

Kune vanhu vemuZimbabwe, HiMoney inopa imwe nzira inobatsira yekuwanira mari nekukurumidza. Zvisinei, seyakafanana nezvimwe zvikwereti zvese, inofanira kushandiswa neuchenjeri uye nekunyatsonzwisisa mitemo nemamiriro ayo. Kuva nezivo yakakwana ndiyo nzira yakanakisa yekudzivirira matambudziko emari.