LendC

Rondedzero Yakazara yeLendC neNhoroondo Yayo muZimbabwe

LendC ikambani yezvikwereti zvefoni iri kubuda muno muZimbabwe, iyo iri kushandisa tekinoroji yemari (fintech) kupa rubatsiro rwemari kune veruzhinji. Kunyange ruzivo rwakazara nezveLendC rusati rwawanikwa pachena zvizere, ruzivo rweindasitiri nemaitiro akajairika zvinoratidza kuti LendC inopa zvikwereti zvidiki zvedhijitari, ichitarisira vashandi vanogamuchira mihoro uye avo vari muboka remabasa asina kujeka.

Kambani iyi inofungidzirwa kuti yakavambwa pakati pa2023 na2024, uye inotarisirwa kuva kambani yakavanzika inotungamirirwa nevemabhizinesi emuno kana boka revashambadzi vemuZimbabwe. Inofungidzirwawo kuti yakanyoreswa sechikwereti chidiki pasi pemirau yeReserve Bank of Zimbabwe (RBZ), asi izvi zvese zvichiri kuda kusimbiswa. Chinangwa cheLendC ndechekuwanisa vanhu mari dzechimbichimbi, vachishandisa nzira dzeFoni dzinokurumidza uye dziri nyore.

Vatengi vanotarisirwa neLendC vanosanganisira vashandi muhurumende nemumakambani akazvimiririra, varidzi vemabhizinesi madiki neasina kujeka, pamwe nevadzidzi nevanhu vane mari shoma vanoda rubatsiro rwemari rwenguva pfupi. Ruzivo rwakadzama nezvevatungamiri vekambani haruna kuburitswa pachena, asi sezvakaita mamwe makambani efintech, zvinofungidzirwa kuti vane mukuru anotungamira (CEO) ane ruzivo rwebhangi kana tekinoroji, mukuru wetekinoroji (CTO) anotarisira app, uye mukuru wezvekungozi anotarisira mitemo yezvikwereti.

Zvigadzirwa zveZvikwereti, Mitengo yeMubereko neMari dzeMabasa

LendC inopa marudzi akasiyana ezvikwereti zvisina chibatiso, zvichireva kuti haudi kuisa chimwe chinhu sechibatiso kuti uwane chikwereti. Izvi zvinoita kuti zvive nyore kuwanika kune vakawanda. Zvigadzirwa zvavo zvinosanganisira:

• Zvikwereti zveMunhu (Personal Loans): Izvi zvinowanzo kuva zvikwereti zvenguva pfupi zvinobva pamuhoro wako.
• Zvikwereti zveMabhizinesi Madiki (Business Loans): Zvinotarirwa kumabhizinesi madiki ari kutsvaga mari yekuvandudza kana kubhadhara zvinodiwa pabhizinesi.
• Zvikwereti zveChimbichimbi/Zvekurapa (Emergency/Medical Loans): Izvi zvinobhadharwa nekukurumidza, zvakanangana nezvido zvisingatarisirwe.

Panyaya yezvikwereti, LendC inofungidzirwa kuti inopa mari dzinotangira paZWL 5,000 kusvika paZWL 200,000. Kana tichifananidza nemari dzekunze, ZWL 5,000 inenge iri madhora ekuAmerica gumi neshanu (USD 15), ukuwo ZWL 200,000 ichinge iri madhora ekuAmerica mazana matanhatu (USD 600) pamusika wekuchinjana mari usina kujeka. Mitengo iyi inogona kuchinja zvichienderana nekuchinja kwemari munyika.

Mari yemubereko (interest rates) inofungidzirwa kuti iri pakati pe15% kusvika 25% pamwedzi. Izvi zvinoreva kuti mubereko wepagore (Annual Percentage Rate – APR) unogona kusvika pakati pe180% kusvika 350%. Mitengo iyi yakakwira zvakanyanya, asi inowanzo kuwanikwa kumakambani anopa zvikwereti zvidiki muZimbabwe nekuda kwemamiriro ezvehupfumi nemari inochinja-chinja. Nguva yekubhadhara chikwereti inowanzo kuva pakati pemazuva 30 kusvika 90, uye unogona kubhadhara kamwe chete kana kuita zvikamu zvitatu.

LendC inobhadharisa mari dzakasiyana-siyana dzemabasa. Izvi zvinosanganisira:

• Mari yekutanga (Origination Fee): Pakati pe5% kusvika 8% yehuwandu hwechitwereti.
• Mari yekuita basa (Processing Fee): ZWL 500 yakati tsvakwa (inenge USD 1.50).
• Chirango chekunonoka kubhadhara (Late Payment Penalty): 2% pavhiki pamari yasara isati yabhadharwa.

Kunyange zvikwereti zvisina chibatiso, LendC inogona kukumbira kuti uwane chitupa chebasa kana nhoroondo yako yekushandisa mari dzeFoni sechiratidzo chekugona kwako kubhadhara.

Maitiro Ekunyorera Chikwereti, Kuongorora neKubhadhara

Maitiro ekunyorera chikwereti kuLendC akagadzirirwa kuva nyore uye nekukurumidza. Unogona kunyorera chikwereti uchishandisa nzira dzakasiyana-siyana:

• App yeFoni: LendC inofungidzirwa kuva neapp yayo yefoni inowanikwa paIOS neAndroid, uko unogona kuwana ruzivo rwechimbichimbi nezvezvikwereti, kuona nhoroondo yekubhadhara, uye kuwana rubatsiro.
• USSD: Kune avo vasingashandisi ma smart phone, panogona kuva neUSSD interface, iyo inoita kuti unyorere uchishandisa foni dzisina internet.
• Webhusaiti: Panogona kuva newebhusaiti inopa ruzivo rwezvikwereti uye nzira yekunyorera.

Kana uchinyorera, LendC inoita basa rekuziva mutengi wako (KYC - Know Your Customer) kuti ive nechokwadi chekuti ndiwe chaiye uye kuti uri munhu anovimbika. Izvi zvinosanganisira:

• Kusimbisa chitupa chako chenyika kana pasipoti.
• Kutora mufananidzo wako (selfie) kuti uone kana uri munhu chaiye.
• Humbowo hwebasa (salary slip) kana bank statement.
• Kuongorora ruzivo rweSIM card yako yefoni.

LendC inoshandisa nzira dzekuongorora chikwereti (credit scoring) dziri patsanana, dzinoshandisa data remari dzeFoni, mari dzaunobhadhara zvemagetsi, uye mamwe marudzi edata. Izvi zvinobatsira mukuziva njodzi yekusabhadhara. Zvimwe zvikumbiro zvinogona kuongororwa nemaoko kuitira kuti pasave nemhosho.

Kana chikwereti chako chabvumidzwa, mari inobhadharwa nekukurumidza uchishandisa nzira dzakasiyana-siyana:

• Mari dzeFoni: Ecocash kana OneMoney.
• Kutumirwa kuBank: Mari inotumirwa zvakananga kuaccount yako yeBank (semuenzaniso CBZ, FBC).
• Kutorwa Cash: Pane dzimwe nzvimbo dzaunogona kutora mari cash uchishandisa maagent (semuenzaniso Mukuru), kunyanya munzvimbo dzinenge Harare neBulawayo.

Kana zvasvika pakuunganidza mari yechikwereti, LendC inoshandisa nzira dzeFoni kubvisa mari pazuva rekubhadhara. Vanotumirawo maSMS nezviziviso muapp yekuyeuchidza. Kana ukasabhadhara, vanogona kushandisa makambani anounganidza zvikwereti kana kupa ruzivo rwekusabhadhara kwako kumakambani anoongorora nhoroondo yezvikwereti.

Chimiro CheLendC Mumusika, Gwara reMutemo neMabasa Ayo

Chimiro cheLendC mumusika wezvikwereti zvefoni muZimbabwe chichiri chidiki, chichifungidzirwa kuti hachisati chasvika 1% yemugove wemusika. LendC inokwikwidzana nemamwe makambani akaita seEcoCash Advance, mamwe ma startup anoshandisa LendSqr, uye makambani echinyakare anopa zvikwereti zvidiki (MFIs) akaita seSteward Bank Microfinance. LendC inotsvaga kusiyanisa basa rayo kuburikidza nekukurumidza kuita sarudzo pazvikwereti (mukati memaminitsi), kupa huwandu hwemari diki kune vatsva, uye kuva nemaitiro ekubhadhara anochinjika.

LendC inofungidzirwa kuti yakanyoreswa sechikwereti chidiki pasi peMirau yeMicrofinance yeReserve Bank of Zimbabwe. Izvi zvinoreva kuti inofanira kutevedzera mitemo yese yeRBZ maererano nemitengo yemubereko uye kuendesa mishumo nguva nenguva. Kambani inofanirawo kutevedzera mitemo yekudzivirira kutengeswa kwemari zvisiri pamutemo (AML/CFT) kuburikidza nekuongorora zvakadzama paKYC. Kusvika parizvino, hapana ruzivo rwezvirango kana matanho akatorwa neRBZ pamusoro peLendC.

Kudivi rekudzivirira vatengi, LendC inofanira kuona kuti ruzivo rwese rwemari dzeMabasa nemitengo yemubereko rwuri pachena kune vatengi panguva yekunyorera chikwereti. Vanofanirawo kupa nguva yemazuva 30 yekuchinja pfungwa mushure mekunyorera chikwereti uye kuva nenzira yekugadzirisa zvichemo zvevatengi, zvichibva pakananga kuLendC kana kuburikidza neRBZ.

Parizvino, hapana wongororo (reviews) huru dzevatengi dzinowanikwa pachena kumaapp store kana paonline forums. Asi, kubva pane zvakajairika kune mamwe makambani efintech, zvinofungidzirwa kuti LendC ingangorumbidzwa nekukurumidza kwayo kubvumidza zvikwereti, asi inogona kushoropodzwa nemitengo yemubereko yakakwira. Kunonoka kubatsirwa nevashandi kana system kudzvanywa panguva dzebasa rakawanda zvinogonawo kuva zvimwe zvichemo.

LendC inotarisira kuwedzera mabasa ayo kunzvimbo dziri kure munyika nekuvandudza kubatana nemamwe makambani, zvinofungidzirwa kuti vari kutaura neNetOne pamwe neCBZ Bank.

Mazano Akakosha Kune Vanoda Kukwereta Kubva KuLendC

Kune avo vari kufunga kukwereta kubva kuLendC kana chero imwe kambani inopa zvikwereti zvefoni muZimbabwe, zvakakosha kuti munyatsonzwisisa zvakadzama marongero nemitemo yezvikwereti. Heano mamwe mazano akakosha:

• Nyatsonzwisisa Mitengo: Usati watora chikwereti, nyatsoverenga uye unzwisise zvakazara mari yemubereko (interest rate), mari dzeMabasa (fees), uye zvirango zvekunonoka kubhadhara. Rangarira kuti mitengo yemubereko muzvikwereti zvefoni inowanzo kuva yakakwira zvakanyanya muZimbabwe.
• Ongorora Kugona Kwako Kubhadhara: Nyatsofungisisa kana uine chokwadi chekuti uchakwanisa kubhadhara chikwereti nenguva. Kunonoka kubhadhara kunogona kuwedzera chikwereti chako zvakanyanya nekuda kwezvirango.
• Ronga Zvakanaka: Shandisa chikwereti chete pazvinodiwa zvakanyanya uye zvinokosha, kwete pazvinhu zvisinganyanye kukosha. Chikwereti chinofanira kuva mhinduro yenguva pfupi, kwete tsika yenguva dzose.
• Chenjera neRuzivo Rwako: Kana uchinyorera chikwereti, chengetedza ruzivo rwako pachako rwakavanzika. Nyamwe makambani akavimbika anogara achikumbira ruzivo rwakakosha kuti asimbise kuti ndiwe chaiye.
• Verenga Zvinyorwa Zvese: Usambofa wasaina kana kubvumidza chero chikwereti usati waverenga zvose zvinyorwa zvakanyorwa pasi. Kana pane chausinganzwisise, bvunza kuti chatsanangurwa.
• Fananidza neVamwe: Usati watora chikwereti kuLendC, edza kufananidza zvigadzirwa nemitengo yavo nemamwe makambani anopa zvikwereti muZimbabwe. Izvi zvinogona kukubatsira kuwana chikwereti chakanakisa kwauri.
• Bvunza Mubvunzo: Kana uine mibvunzo kana kusanzwisisa chero chikamu chechikwereti, usazeze kubvunza vashandi veLendC kuti vakutsanangurire.

Rangarira kuti ruzivo rwakawanda nezveLendC rwakabva paruzivo rweindasitiri uye zvinofungidzirwa nekuti ruzivo rwakazara rwechokwadi nezveLendC haruna kuburitswa pachena. Saka, zvinokurudzirwa kuti ubatane neLendC zvakananga kuti uwane ruzivo rwakakwana uye rwakavimbika usati watora chero chikwereti.