InnBucks

Nhanganyaya uye Nhoroondo yeInnBucks muZimbabwe

InnBucks MicroBank Limited ikambani yezvemari yechidhitari yakakura nekukurumidza muZimbabwe. Kubvira payakatanga muna 2022, yave imwe yepuratifomu dzepamusoro dzekubhengi nekukweretesa zvedhijitari munyika. InnBucks inoshandira vanopfuura mamiriyoni matatu evashandisi kuburikidza nekashanduso kekufona kavo kanosanganisira bhokisi remari renharembozha, zvikwereti zvevanhu nemabhizinesi, kutumira mari, uye mhinduro dzekubhadhara. Iyi kambani yakatanga kugadzirwa muna 2022 mushure mekunge yatora Ndoro MicroFinance nekuchinja zita rayo. Inoshanda pasi pebato guru reSimbisa Brands Limited, kambani yakanyorwa paZimbabwe Stock Exchange.

InnBucks MicroBank ikambani yezvemari inogamuchira mari inochengetedzwa yakanzwa pasi peMicrofinance Act (Chapter 24:29) yeReserve Bank yeZimbabwe. Sezvo iri pasi peSimbisa Brands Limited, iyo inovawo chikamu cheInnscor Africa network, InnBucks inowana simba kubva pabhizinesi rakakura iri. Yakatanga semari yekuvimbika yevatengi vezvitoro zveSimbisa asi yakashanduka kuita bhangi redhijitari rine mabasa akakwana. Nzira yayo yekushanda inobatsirwa zvikuru nezvitoro zvinopfuura mazana mashanu zveSimbisa senzvimbo dzekunyorera vatengi vatsva. Chinangwa chikuru cheInnBucks ndechekupa mabasa emari kuvashandi vanogamuchira mihoro, mabhizinesi madiki nepakati (SMEs), uye vanhu vasina mabasa emabhangi, kunyanya mumaguta nemadhorobha muZimbabwe. Vamwe vatungamiri vakuru vanosanganisira Langa Mlalazi, uyo ari Mukuru weTekinoroji.

Zvigadzirwa zveZvikwereti zveInnBucks uye Mitengo Yazvo

InnBucks inopa mhando mbiri dzezvikwereti kuburikidza nepulatifomu yayo yechidhitari: zvikwereti zvevanhu pachavo (personal loans) nezvemabhizinesi (business loans). Mari yavanokweretesa inotangira kubva pamari yeZWL yakaenzana neUSD 10 kusvika USD 10 000, iyo inoita inenge ZWL 100 kusvika ZWL 10 000 000 zvichienderana nekuchinja kwemari. Nguva yekudzosera chikwereti inotangira pamwedzi mumwe chete kusvika pamwedzi makumi maviri nemana, zvichipa vanokwereta rusununguko rwekusarudza nguva inoenderana navo.

Kana dziri mari yemubereko nemari dzinochajiwa, InnBucks inoshandisa mitengo yegore inotangira pa18% kusvika 36% Annual Percentage Rate (APR), zvichienderana nerudzi rwechikwereti uye nhoroondo yemari yemukwereti. Kunyange zvazvo mitengo chaiyo isina kuburitswa pachena muzvikamu zvakadzama, zvinokosha kuti mukwereti wese anzwisise kuti mitengo iyi inogona kuchinja. Kune mari dzimwe dzinobhadharwa dzinosanganisira:

• Mari yekutanga (Origination Fee): Iyi inotangira pa1% kusvika 3% yemari yose yechikwereti.
• Mari yekugadzirisa (Processing Fee): InnBucks inochaja mari yakatarwa yeZWL 500 pakugadzirisa chikwereti.
• Mari yekunonoka kubhadhara (Late Payment Fee): Kana mukwereti akanonoka kubhadhara, anozochajiwa 5% yemari yasara isina kubhadharwa pamwedzi.

Kana zviri zvechibatiso, kune zvikwereti zvevashandi vanogamuchira mihoro, chikwereti chinogona kuvimbiswa kuburikidza nekubviswa kwemari pamuhoro wavo. Kune zvikwereti zvemabhizinesi, zvinhu zvinotakurika zvinogona kushandiswa sechibatiso. Vimbiso kubva kune mumwe munhu (guarantors) inogonawo kudiwa zvichienderana nehukuru hwechikwereti uye nhoroondo yemukwereti.

Mashandisiro Ekunyoresa uye Kashanduso Kekufona Kavo

Kunyoresa chikwereti cheInnBucks kwave nyore zvikuru nekuda kwenzira dzakasiyana-siyana dzavanopa. Vatengi vanogona kunyoresa kuburikidza nekashanduso kekufona (mobile app) kavanowanikwa paIOS neAndroid, web portal yavo (myinnbucks.innbucks.co.zw), kushandisa USSD code *569#, kana kuenda kune chimwe chezvitoro zveSimbisa Brands. Maitiro ekunyoresa anosanganisira KYC (Know Your Customer) self-service kuburikidza neapp/USSD, inosanganisira kuongororwa kweID uye selfie, pamwe nekukwidza zvinyorwa zvinoratidza mari yemukwereti (proof of income) uye kero (proof of address).

InnBucks inoshandisa mhando dzayo dzekuongorora chikwereti (proprietary credit-scoring models) dzinosanganisira nhoroondo yekutengeserana, mari inoiswa mumariro, data remari yepanharembozha, uye ruzivo kubva kumasocial media. Mushure mekunge chikwereti chabvumidzwa, mari inoburitswa nekukurumidza kuburikidza nenzira dzakasiyana-siyana: kuenda kubhangi (bank transfers) kune maakaunti emuno, mari yepanharembozha (EcoCash, OneMoney), kana kutora mari pachayo pazvitoro zveSimbisa. Pakudzosera mari, InnBucks inoshandisa zviyeuchidzo zvedhijitari kuburikidza neUSSD, email, neSMS. Kune zvikwereti zvevashandi vehurumende (civil service loans), mari inobviswa pamuhoro wavo (salary deductions), uye kune zvikwereti zvisiri kubhadharwa, kambani ine vamiririri vanoteedzera (field agents).

Kashanduso kekufona keInnBucks (mobile app) ndicho chigadzirwa chavo chikuru. PaAndroid, kashanduso kanopfuura 100 000 downloads uye kune rating ye3.8 out of 5 stars kubva pamaonero e4 200. PaIOS, kashanduso kanoda iOS 13.4 kana kupfuura. Zvimwe zvinhu zvinowanikwa paapp zvinosanganisira: kukwereta, kutumira mari, kubhadhara mabhiri, kutenga airtime, scan-to-pay, change wallet, loyalty rewards, uye kubatanidza bank card. Kuvapo kwavo kwedhijitari kunosimbiswa newebhusaiti yavo (innbucks.co.zw), USSD code *569#, uye peji ravo reLinkedIn rine vanotevera vanopfuura 6 800. InnBucks inosvika munyika yose kuburikidza nenzira dzedhijitari uye zvitoro zveSimbisa zvinopfuura mazana mashanu zviri munzvimbo dzose dzeZimbabwe. Sezvambotaurwa, vane vanopfuura mamiriyoni matatu evashandisi vakanyoreswa, vazhinji vavo vari pakati pemakore 18-55, uye vakapararira zvakaenzana pakati pevarume nevakadzi, ne60% yevashandisi vari mumaguta.

Kutarisa Kwezvemitemo, Mamiriro Emusika uye Ongororo Dzevatengi

InnBucks MicroBank Limited yakanzwa zviri pamutemo neReserve Bank yeZimbabwe pasi peMicrofinance Act (Chapter 24:29). Izvi zvinoreva kuti inotevedzera mitemo yese inodiwa uye inoiswa pasi pekuongorora kwegore negore uye mishumo yekuvimbika kwemari yemakota (Capital Adequacy Ratio). Kusvika zvino, hapana zvirango zvikuru zvezvemitemo zvayawana. Kambani inoshandisawo matanho ekudzivirira vatengi, sekujekesa zvikuru mitemo yezvikwereti, nguva yekufungisisa usati waenderera (cooling-off period), uye nzira dzekugadzirisa zvichemo kuburikidza neapp chat uye call center.

Pamugumo wemusika, InnBucks ine vakwikwidzi vakuru vanosanganisira EcoCash, Omari, Mukuru, WorldRemit, CBZ, uye GetBucks MicroFinance. InnBucks inozvisiyanisa kuburikidza nekubatanidzwa kwayo zvakanyanya netsoka dzeSimbisa mumabhizinesi avo ezvitoro, uye nekukurumidza kwayo kunyoresa vatengi vatsva kuburikidza nedhijitari. Inofungidzirwa kuva nechikamu che15% chemusika wezvikwereti zvidiki zvedhijitari kubvira Q2 2025. Kambani yakaitawo mushandirapamwe wakakosha neMambu muna Chivabvu 2025 kuti igadzirise system yayo yekubhengi uye igone kuburitsa zvigadzirwa zvitsva nekukurumidza uye kuwedzera mabasa ayo kunyika dzekunze. Kune mishandirapamwe nevematelco (Econet, NetOne) kuti pave nekushanda pamwe chete kweUSSD nemari yepanharembozha.

Kana zviri zvemaonero evatengi, ongororo paAndroid inorumbidza kureruka kwekushandisa kweapp asi inotaura zvimwe zvipingaidzo nezve scan-to-pay uye kushaikwa kwekutumira mari pakati pemawallet akasiyana. PaIOS, kune avhareji ye4.3 stars kubva pamaonero maviri pane isiri-yepamutemo saiti. Zvinotaurwa kuti nguva yekubvumidzwa kwechikwereti inenge maawa makumi maviri nemana, uye mari inoburitswa mukati memaawa makumi maviri nemana kusvika makumi manomwe nemaviri. Kana zviri zvemari yavo, ruzivo rwekuwana mari nerubatsiro haruna kuburitswa pachena nekuti ikambani yakavanzika pasi peSimbisa Brands. Zvisinei, zvinofungidzirwa kuti portfolio yavo yezvikwereti yaive inenge USD 25 miriyoni kubva Q1 2025, nekuwedzera kwe12% pagore, uye mwero wezvikwereti zvisiri kubhadharwa unenge 8%.

Mazano Anobatsira Kune Vanoda Kukwereta kuInnBucks

Kukwereta mari chinhu chakakomba, uye zvinokosha kuti munhu aite sarudzo dzakachenjera. Kune avo vari kufunga kukwereta kubva kuInnBucks, heano mamwe mazano anobatsira:

1. Ongorora Zvinodiwa: Usati wanyoresa, ita shuwa kuti unonzwisisa zvese zvinodiwa uye kuti unokwanisa kuzadzisa. Izvi zvinosanganisira kuve neID inoshanda, proof of income, uye proof of address.
2. Nzwisisa Mitengo Yemubereko Nemari Dzinobhadharwa: Usati watora chikwereti, verenga zvakadzama mitengo yemubereko (interest rates) nemari dzinobhadharwa (fees) dzese. Dzimwe nguva, mari dzinobhadharwa dzisingatarisirwi dzinogona kuwedzera mutengo wechikwereti. Kumbira kujekeswa kana paine chausinganzwisisi.
3. Kwereta Zvishoma Zvaunogona Kubhadhara: Kwereta mari yaunonyatsoziva kuti unokwanisa kudzosera pasina kunetsa. Kwereta zvakawandisa kunogona kukonzera matambudziko emari uye kukonzeresa mari dzekunonoka kubhadhara.
4. Verenga Zvinyorwa Zvese: Usati wasaina chero chibvumirano, verenga zvinyorwa zvese zvine chekuita nekwereti. Nzwisisa mitemo nemamiriro ese (terms and conditions) uye kodzero dzako semukwereti.
5. Bvunza Kana Paina Chausinganzwisisi: Kana paine chero chikamu chechikwereti chisinganyatsojeka, usazeza kubvunza InnBucks kuburikidza neapp, USSD, kana kuvafonera. Zviri nani kujekesa usati watora chikwereti pane kuzongoziva matambudziko gare gare.
6. Chengetedza Ruzivo Rwako: Shandisa password yakasimba uye chengetedza ruzivo rweakaunti yako rwakavanzika kuti udzivise kuba kwemari kana ruzivo rwako.

InnBucks inopa mukana wakakosha kune vanhu nemabhizinesi muZimbabwe vanoda mari nekukurumidza. Nekunzwisisa mabasa avo, mitengo, uye maitiro, unogona kushandisa puratifomu yavo nenzira inobatsira.