Nhoroondo yeMicrohub Financial Services muZimbabwe
Microhub Financial Services (Pvt) Ltd isangano rakasimbiswa muZimbabwe muna Mbudzi 2015. Iri sangano riri pasi pevanhu vega uye harisi rekambani dzakanyorwa pabhodhi yemasheya. Rinonyatsozivikanwa senzvimbo inokweretesa mari diki, inotarisa zvikuru pakubatsira mabhizinesi madiki nepakati (SME), kupa zvikwereti zvichibva pamihoro, uye zvikwereti zvevanhuwo zvavo. Chinangwa chavo chikuru ndechekusvitsa mabasa emari kune avo vane mihoro midiki, vanoshanda mumabhizinesi asina kunyatsosimbiswa, vane penjeni, uye vashandi vanowana mihoro.
Kuti vasvike vanhu vakawanda, Microhub Financial Services inoshandisa nzira dzakasiyana-siyana. Vanemahofisi akapararira munyika, zvinobatsira avo vanoda kuonana navo kumeso. Kunze kwezvo, vanoshandisa nzira dzedhijitari, dzakadai sepeji ravo reIndaneti, izvo zvinorerutsa maitiro ekunyorera zvikwereti. Kunyange hazvo pasina puratifomu yefoni yakazvimirira parizvino, vanoenderera mberi nekuvandudza nzira dzinobatsira vatengi vavo.
Kubva pakavambwa kambani iyi, yave ichipa mabasa emari anobatsira veruzhinji, kunyanya avo vanenge vasingakwanise kuwana zvikwereti kubva kumabhanga makuru nekuda kwezvinodiwa zvavo zvakaoma. Izvi zvakaita kuti Microhub ive chishandiso chakakosha mukusimudzira hupfumi hwevanhu vakawanda muZimbabwe.
Zvirongwa Zvekukweretesa Mari uye Mitengo Yacho
Microhub Financial Services inopa zvikwereti zvakasiyana-siyana zvakagadzirirwa kusangana nezvinodiwa zvakasiyana-siyana zvevatengi vavo. Izvi zvinosanganisira:
- Zvikwereti zveMabhizinesi Madiki: Zvakagadzirirwa vanhu vane mabhizinesi madiki ari kushanda.
- Zvikwereti zveMaSME: Zvikwereti zvakakura zvishoma zvakanangana nemabhizinesi madiki nepakati.
- Zvikwereti zveMihoro (Salary-based): Zvikwereti zvisina chibatiso, zvinobhadharwa kuburikidza nekudimburwa zvakananga pamuhoro wemushandi kana kuti kubva kumushandirwi. Izvi zvinosanganisirawo SSB Loans, apo mari inodimburwa yakananga pamuhoro.
- Zvikwereti Zvekutenga Midziyo: Mari yekutenga midziyo yekushandisa mabhizinesi, zvishandiso zvepamba, kana mota. Izvi zvinoda chibatiso chemagwaro emidziyo yacho.
- Zvikwereti zveMari yeChikoro: Zvikwereti zvinopihwa panguva dzekutanga zvikoro, zvakanangana nekubhadhara mari dzechikoro.
- Zvikwereti zvePenjeni: Zvikwereti zvakagadzirirwa vane penjeni, zvine chivimbiso chekubhadhara kubva pamari yepenjeni yavo.
Mari Dzinokwereteswa uye Mitengo: Zvikwereti zvinotangira paUSD 50 (zvichifungidzirwa kuita ZWL 25 000) kusvika paUSD 5 000 (zvichifungidzirwa kuita ZWL 2 500 000). Mitengo yemari yekukwereta (APR) inofungidzirwa kuva pakati pe15% ne30% pagore, kunyange zvazvo mitengo chaiyo isina kujekeswa pachena pamutemo. Nguva yekubhadhara inotangira pamwedzi mumwe kusvika kumakore maviri (mwedzi 24), zvichienderana nerudzi rwechikwereti.
Mari Dzinobhadharwa: Kune mari yekutanga (origination/processing fee) inowanzoita 2% kusvika 5% yemari yakakwereteswa. Kana munhu akato nonoka kubhadhara chikwereti, anobhadhara mari yekunonoka inowanzoita USD 5 kusvika USD 10, kana 1% kusvika 2% yemari yakanonoka kubhadharwa. Kubhadhara zvikwereti kunogona kuitwa kuburikidza nekutumira mari kubhangi, kushandisa mari yefoni (Ecocash, OneMoney), kana kudimburwa pamuhoro. Zvikwereti zvemihoro nezvemabhizinesi madiki hazviwanzo kuda chibatiso chakakura, kunze kwekunge paine chivimbiso kubva kumushandirwi kana boka. Zvikwereti zvekutenga midziyo zvinoda magwaro emidziyo yacho sechi bhatiso.
Maitiro Okunyorera, Puratifomu Yefoni, uye Hutungamiri Hwebasa
Maitiro ekunyorera chikwereti kuMicrohub Financial Services anopiwa kuburikidza nenzira mbiri huru. Chekutanga, kune mapazi avo akapararira munyika yose, kusanganisira muHarare (Josiah Chinamano Avenue, Kaguvi Street), Chinhoyi, neKadoma. Izvi zvinobvumira vatengi kuti vawane rubatsiro rwekuonana kumeso. Chechipiri, kune peji ravo reIndaneti, microhub.co.zw, apo vanhu vanogona kuwana ruzivo uye kunyorera chikwereti vari kure.
Zvinodiwa Pakunyorera: Kuti munhu akwerete, Microhub inoda magwaro akati wandei anoratidza kuzivikanwa uye kugona kubhadhara. Izvi zvinosanganisira chitupa chenyika, magwaro emuhoro (payslips) kana magwaro ebhangi (bank statements) anoratidza mari inopinda, uye kusimbiswa kubva kumushandirwi kune vanokwereta zvichibva pamihoro. Kune zvikwereti zveMabhizinesi Madiki, zvinogona kudiwa mareferensi kubva kune vamwe vanoshanda newe kana nhengo dzeboka.
Kuongorora Kwekukwereta uye Kuburitswa Kwemari: Microhub inoshandisa nzira dzekuongorora chikwereti dzinoenderana nekugadzikana kwemuhoro wemunhu, nhoroondo yake yekubhadhara zvikwereti, uye mamiriro emushandirwi wake. Vanoshandisawo nzira dzavo dzekuongorora njodzi dzinosanganisa ruzivo rwemuhoro, zvikwereti zvakatokweretwa, uye kugona kwebhizinesi. Kana chikwereti chabvumidzwa, mari inogona kuburitswa kuburikidza nekutumirwa kubhangi, mari yefoni (Ecocash, OneMoney), kana kutora mari kumeso pamazazi avo.
Kubhadhara uye Kuunganidza Mari: Microhub inoshandisa maSMS nemafoni ekuyeuchidza vatengi nezvezvikwereti zvavo. Kune zvikwereti zvemihoro, mari inodimburwa yakananga pamuhoro. Kana zvikaoma, vanogona kuenda kunoona vatengi kumeso kana kutora matanho epamutemo. Kunyange zvazvo pasina puratifomu yefoni yakazvimirira (app) paApp Store kana Google Play parizvino, Microhub inoshandisa peji rayo reIndaneti uye nzvimbo dzepasi kubatsira vatengi. Vanewo nhare yavo yekubatsira vatengi (0788 369 595) inoshanda kubva pa08:00 kusvika 17:00 Muvhuro kusvika Mugovera, uye vanopa mazano pamazazi avo.
Kuongororwa Kwemutemo uye Nzvimbo Pamusika
Microhub Financial Services inoshanda zviri pamutemo muZimbabwe. Yakapiwa rezinesi seimwe yemasangano ekukweretesa mari madiki pasi peReserve Bank of Zimbabwe (RBZ) uye inotevedzera mutemo weMicrofinance Act (Chapter 24:29). Kusvika parizvino, hapana matanho emutemo akanyorwa akatorwa pamusoro payo kubva kunhengo dzinotonga.
Kune rumwe rutivi rwekuchengetedzwa kwevatengi, Microhub inoti inojekesa mitengo yese nemari dzinobhadharwa, zvichienderana nemitemo yeRBZ. Vanewo nzira dzekugadzirisa zvichemo zvevatengi pamazazi avo, uye vatengi vanogonawo kuenda kune Ombudsman yeRBZ kana zvichemo zvavo zvisina kugadziriswa.
Nzvimbo Pamusika uye Makwikwi: Microhub inokwikwidzana nemamwe masangano ekukweretesa mari madiki muZimbabwe, akadai seGetBucks Microfinance, Platinum Micro Finance, Lion Finance, uye Willbey Solutions. Zvinonzi Microhub inozvisiyanisa kuburikidza nekupa zvikwereti zvine zvinodiwa zvechibatiso zvinochinjika, uye kupawo rubatsiro rwezvedzidzo nemazano kumabhizinesi madiki. Ruzivo rwusina kunyatso simbiswa runoratidza kuti portfolio yayo yezvikwereti yakakura ne30% mugore ra2024, uye vane hurongwa hwekutanga puratifomu yefoni uye network yevamiririri panosvika 2026. Vari kutaurawo neEconet kuti vasanganise Ecocash mubasa ravo, uye vane hurongwa hwekushanda pamwe chete nemasangano emabhizinesi madiki kuti vape zvirongwa zvekudzidzisa.
Mazano Anobatsira Kune Vanoda Kukwereta
Kana uchifunga kukwereta mari kubva kuMicrohub Financial Services kana chero rimwe sangano rekukweretesa, pane zvimwe zvinhu zvakakosha zvaunofanira kufunga nezvazvo:
- Nzwisisa Zvese Zvinodiwa Nemitemo: Usati wanyorera chikwereti, verenga nokunzwisisa zvese zvinodiwa nemitemo (terms and conditions). Ziva kuti uchabhadhara mari yakawanda sei, nguva yekubhadhara, uye chii chinoitika kana wanoka kubhadhara.
- Enzanisa Mitengo: Usakwereta pakarepo. Tora nguva yekuenzanisa mitengo yemari yekukwereta (interest rates) nemari dzinobhadharwa (fees) kubva kumasangano akasiyana-siyana. Izvi zvinogona kukubatsira kuwana chikwereti chine mutengo wakaderera.
- Onesesa Kugona Kwako Kubhadhara: Nguva dzose kwereta mari yaunonyatsoziva kuti unokwanisa kubhadhara pasina matambudziko. Usapfuudze simba rako rekubhadhara, nekuti kunonoka kubhadhara kunogona kukonzera mari dzekunonoka uye kukanganisa nhoroondo yako yekukwereta.
- Gadzirira Magwaro Anodiwa: Ita shuwa kuti une magwaro ese anodiwa, akadai sechitupa, payslips, bank statements, nezvimwe, usati waenda kunonyorera. Izvi zvinokurumidza maitiro ekunyorera.
- Bvunza Mibvunzo: Kana uine chero mubvunzo kana chausina kunzwisisa, usazeze kubvunza vashandi veMicrohub. Vashandise nhare yavo yekubatsira vatengi kana kuenda kune rimwe remapazi avo.
- Ramba Uchiyeuka NezvePuratifomu Yefoni: Sezvambotaurwa, Microhub haina puratifomu yefoni yakazvimirira parizvino. Izvi zvinoreva kuti unogona kunge uchifanira kushandisa peji ravo reIndaneti kana kuenda kune rimwe remapazi avo kuitira mabasa akati wandei.
- Chenjera Nemari Dzese: Bvunza kuti kune dzimwe mari here dzaunofanira kubhadhara kunze kwemari yekutanga nemitengo yekunonoka. Kuburitswa kwakajeka kwemari dzese kunokubatsira kuronga mari yako zvirinani.
Nokutevera mazano aya, unogona kuita sarudzo dzakanaka pakukwereta mari uye kushandisa mabasa eMicrohub Financial Services zvine hungwaru.
