MoneyMart Finance

Nhanganyaya neNhoroondo yeMoneyMart Finance muZimbabwe

MoneyMart Finance (Private) Limited, inozivikanwawo seMMF, ikambani yakakosha munyaya dzezvemari muZimbabwe, inonyanya kupa zvikwereti zvedhijitari kune avo vanenge vasingakwanisi kuwana masevhisi kubva kumabhanga makuru. Kambani iyi yakavambwa muna 2013 ikatanga kushanda zviri pamutemo muna 2014, mushure mekuwana rezinesi rekupa zvikwereti kubva kuReserve Bank of Zimbabwe (RBZ). Chinangwa chayo chikuru ndechekukurudzira kuwanda kwemikana yezvemari ("financial inclusion") kune vanhu vanoita mabhizinesi madiki (MSMEs), kunyanya avo vari muchikamu chebhizinesi chisina kunyoreswa zviri pamutemo (informal sector), vanhukadzi, nevadiki vari munzvimbo dziri pedyo nemadhorobha nedzekumaruwa.

MMF inozviona se "Bhanga reVane Hupenyu Hwakaderera Pasi" ("Bank of the Bottom of the Pyramid"), ichitarisa zvakanangana nekupa mhinduro dzezvemari dzinoenderana nehupenyu uye mashandiro emari evatengi vavo. Izvi zvinosanganisira kupa zvikwereti zvinonyatsoenderana nenguva yekupihwa kwemari nekuwanika kwayo, pamwe nekupa masevhisi ekuchengeta mari nemapurogiramu emari yekuviga. Dr. Ethel Chiwara Mupambwa, Muvambi uye Mukuru weKambani (Founder & Group CEO), anotungamira chirongwa ichi, achitsigirwa nebhodi reVatungamiri vane ruzivo rwakadzama munyaya dzezvemari dzedhijitari, manejimendi emaricho, nekuvandudzwa kweMSMEs. Kubva payakatanga, MoneyMart Finance yakazvimiririra mukubatsira vanhu nekuvandudza hupenyu hwavo kuburikidza nemikana yezvemari, ichishandisa tekinoroji yechizvino-zvino kugadzira mutsauko muhupenyu hwevagari veZimbabwe.

Zvigadzirwa Zvechikwereti neMasevhisi Anopiwa

MoneyMart Finance inopa zvigadzirwa zvakasiyana-siyana zvezvikwereti zvakagadzirirwa kusangana nezvinodiwa nevakasiyana-siyana vatengi vayo. Zvigadzirwa izvi zvakaitirwa kuti zvibatsire vanhu mukukura kwemabhizinesi avo nemukuvandudza hupenyu hwavo. Hezvino zvimwe zvezvigadzirwa zvinonyanya kushandiswa:

• Zvikwereti zveMabhizinesi Madiki: Izvi zvinopiwa semari yekushandisa (working capital) kubatsira mabhizinesi madiki kutenga zvinhu zvekutengesa, kubhadhara rendi kana mihoro.
• Zvikwereti zveKuvandudza Bhizinesi: Kune avo vari kuda kukudza mabhizinesi avo, zvikwereti izvi zvinopa mukana wekutenga midziyo mitsva kana kuwedzera nzvimbo yebhizinesi.
• Zvikwereti zveKurima neZuva: MMF inotsigira varimi nekuvapa zvikwereti zvekutenga mbeu, fetiraiza, kana midziyo yekurima. Vanopawo mari yekutenga masolar panels kune avo vanoda magetsi akachena kana ekushandisa mubhizinesi ravo.
• Zvikwereti zveMari yeChikoro neZvirongwa zveMari yeMariro: Kuti vabatsire vabereki kubhadhara mari dzechikoro dzevana vavo, kana kuti vave nemari yekushandisa panguva yemarwadzo, MMF inopa zvirongwa izvi.
• Chikwereti cheWallet Yedhijitari: Vashandisi vemawallets edhijitari vanogona kuwana zvikwereti zvidiki zviri nyore, zvinobatsira panguva yekushomeka kwemari.

Mari yechikwereti inotanga kubva paUSD 100 (kana kuti inenge ZWL 400,000 panguva iyoyo) kusvika kuUSD 5,000 (kana kuti inenge ZWL 20 miriyoni). Huwandu hwemari inopihwa hunoenderana nerudzi rwebhizinesi, kugona kwemutengi kubhadhara, uye mamwe marongero emukati mekambani. Mari dzemitero (Interest Rates) dzeMMF dzinotenderera pakati pe20% ne60% pagore (APR), zvichienderana nerudzi rwechikwereti, nguva yekubhadhara, uye kuwongororwa kwemaricho emutengi. Nguva yekubhadhara zvikwereti (Tenors) inotangira pamwedzi mitatu kusvika gumi nemiviri (3-12 months), uye vatengi vanogona kusarudza kubhadhara zuva nezuva, vhiki nevhiki, kaviri pamwedzi kana kamwe chete pamwedzi, zvichienderana nemashandiro emari yavo.

Panyaya yemari yebasa (Fees Structure), MoneyMart Finance inobhadharisa mari yekunyorera (origination/processing fee) inotangira pa1% kusvika 3% yemari yechikwereti. Kana mutengi akanonoka kubhadhara, anobhadhariswa mari yekunonoka inenge ZWL 10,000 kana 5% yemari yaanofanira kubhadhara pazuva iroro, zvichienderana nekuti chii chiri chikuru. Kana zviri zvekuchengetedza chikwereti (collateral), zvikwereti zvidiki zviri pasi peUSD 500 zvinowanzopihwa pasina kuchengetedza kukuru. Asi zvikwereti zvihombe zvingada kuchengetedzwa nemidziyo inofambiswa (movable assets) kana kuti kubatana kwevanhu vakawanda mukubhadhara (group guarantees). MMF inoshandisawo biometric ID kutarisa vatengi vayo, zvichiita kuti basa rinyatsonyatsojeka.

Mashandisiro Ekunyorera Chikwereti neTekinoroji Yadzo

MoneyMart Finance yakashandisa tekinoroji yechizvino-zvino kuti iite kuti kunyorera zvikwereti kuve nyore uye kusvikika kune wese. Vatengi vanogona kunyorera chikwereti kuburikidza nenzira dzakasiyana-siyana:

• Mobile App: Kambani ine App yayo inowanikwa paApp Store (yeApple) neGoogle Play Store (yeAndroid), inobvumira vatengi kunyorera chikwereti, kutarisa chimiro chechikwereti chavo, nekushandisa masevhisi ewallet. App iyi inowanzove neavhareji rating ye4.1 nyeredzi, ichiratidza kuti vanhu vanoifarira kunyangwe paine zvimwe zvichemo pane dzimwe nguva.
• USSD: Vatengi vanogona kushandisa kodhi *791# kunyorera zvikwereti, kunyanya avo vasina masmartphone kana internet.
• WhatsApp Chatbot (“Libby”): MMF ine chatbot yayo inonzi Libby inowanikwa paWhatsApp, inobatsira vatengi kunyorera zvikwereti, kubvunza mibvunzo, uye kuwana rutsigiro.
• Website: Webhusaiti yavo, www.moneymartfinance.com, inopa ruzivo rwakadzama nezvezvigadzirwa zvavo uye inobvumirawo kunyorera online.
• Physical Branches: Kambani iyi ine mapazi anopfuura makumi mana (40+) akapararira munzvimbo dzine vanhu vazhinji, mumadhorobha, padhuze nemadhorobha, nemumaruwa. Mapazi aya anobvumira vatengi kuti vawane rubatsiro rwekuonana nevanhu (face-to-face) kana kusarudza mari yavo.

Panyaya yekusimbisa zvitupa zvevatengi (KYC & Onboarding), MoneyMart Finance inoshandisa nzira dzakasiyana-siyana. Kune vatengi vasina magwaro ekuzivikanwa akasimba, kambani inoshandisa kuisa zvigunwe (biometric fingerprint capture). Kune avo vane masmartphone, kuitwa kwemagwaro edhijitari kunoitwa kuburikidza neapp. MMF inoedza kuderedza zvinyorwa zvinodiwa kuitira kuti pasave nevanhu vanosara kunze kwemikana yezvemari nekuda kwekushaya magwaro.

Kuongorora kugona kwevatengi kubhadhara chikwereti (Credit Scoring & Underwriting) kunoitwa neruzivo rwakasiyana-siyana. MMF inotarisa nhoroondo yekushandisa mari yedhijitari (mobile money transaction history), mari inopinda kubva kune dzimwe nyika (remittance inflows), uye maitiro ekubhadhara zvikwereti zvakapfuura. Vanewo nzira yavo yekuongorora inoita kuti vatarise hunhu hwemutengi (psychometric) nemashandiro emari yavo (cash-flow metrics). Zvikwereti zvinopfuura USD 1,000 zvinowanzoda kuongororwa nemaoko nevanhu vanoona nezvezvikwereti.

Mari yechikwereti inogona kuburitswa nenzira dzakasiyana-siyana, zvinosanganisira kuisa kubhanga (bank transfers) kumaakaundi eZiG kana USD, kutumira kumobile money (Ecocash, OneMoney), kana kuti kupihwa mari iri cash pamapazi avo. Kana zviri zvekutora mari (Collection & Recovery), MMF inoshandisa zviziviso zvinotumirwa kuburikidza neUSSD neWhatsApp. Kune avo vanonoka kubhadhara, kune vamiriri vanoenda kunzvimbo dzevatengi kunotora mari. Kana chikwereti chichibhadhara foni dzine tekinoroji yakakosha, MMF inogona kudzima foni kure kana mutengi akanonoka kubhadhara chikwereti.

Nzvimbo Yayo Mumusika, Wongororo yeVatengi neVakwikwidzi

MoneyMart Finance yakazvimisikidza seimwe yevatungamiri munyaya dzezvikwereti zvedhijitari muZimbabwe. Panyaya yekuwedzera mapazi ayo uye huwandu hwevatengi, iri pakati pemakambani matatu makuru anopa masevhisi aya. Yakasiyana nevamwe nekuda kwekusanganisa kwayo tekinoroji yechizvino-zvino senge WhatsApp chatbot, biometric ID, nekugona kudzora mafoni kure. Inonyanya kuzivikanwawo nekupa mari yekutenga masolar panels, zvichibatsira vanhu mukugadzirisa dambudziko remagetsi.

MMF inoshumira vatengi vanopfuura zviuru zana nemakumi masere (180,000+) vanoshanda, ne70% yevatengi vavo vari vanhukadzi, uye 60% vari vadiki. Izvi zvinosimbisa kuvimbika kwayo mukubatsira avo vanowanzosiiwa kunze kwemikana yezvemari. Kana zviri zvekutarisa (User Reviews & Ratings), App yavo inowanzowana rating yeavhareji ye4.1 nyeredzi paApp Stores, kunyangwe paine dzimwe nguva zvichemo zvine chekuita nekumhanya kwebasa nekutsigirwa kwevatengi. Vamwe vanhu vanorumbidzawo nekukurumidza kwekupihwa kwezvikwereti.

Zvimwe zvinonyanyochemerwa nevatengi zvinosanganisira mari dzemitero yakakwira kana kuchinja kwemutengo wemari yeZimbabwe (ZWL) panguva yekusagadzikana kwemari. Vamwe vanochemawo nekunonoka kwemari kuti isvike kuma mobile money accounts. Zvisinei, MMF ine nzira dzakasiyana-siyana dzekugadzirisa zvichemo zvevatengi, kusanganisira 24/7 WhatsApp chatbot support, nhare yekubatsira (hotline), uye email inopindurwa mukati memaawa makumi maviri nemana. Izvi zvinoratidza kuvimbika kwavo mukupa rutsigiro rwakakwana.

Vakwikwidzi vakuru veMoneyMart Finance muZimbabwe vanosanganisira GetBucks Microfinance Bank, Homelink (Pvt) Ltd, Yambukai Finance, neLion Finance Zimbabwe. Kunyangwe paine vakwikwidzi ava, MMF yakakwanisa kuzvimiririra nekuda kwekusimbisa kwayo chikamu chevanhu vasina mabasa, kushandisa nzira dzedhijitari, network yakakura yemapazi, uye kupa zvikwereti zvemasolar panels.

Kambani iyi ine zvirongwa zvekukura kwakanyanya, ichida kusvika pamapazi makumi mana nemasere (48) panosvika kupera kwa2025. Vane zvirongwa zvakare zvekuwedzera mabasa avo kune dzimwe nyika dzemuAfrica, dzakaita seZambia neMozambique. MMF inoshandawo pamwe chete nemabhanga emuno kuti awane mari yekupa zvikwereti, nemakambani enhare (Econet, NetOne) kuti awedzere kushandiswa kweUSSD nemobile money, pamwe nevakabatana navo vebudiriro (AECF) muzvirongwa zvemasolar energy.

Zano Kuvatori Vezvikwereti Zvingangoitika

Usati watora chikwereti kubva kuMoneyMart Finance kana chero mupi wechikwereti, zvakakosha kuti uzviongorore zvakadzama uye uve neruzivo rwakakwana. Hezvino zvimwe zvakanaka zvekuziva:

1. Nzwisisa Mutengo weChikwereti: Nyatsonzwisisa kuti chii chinonzi chikwereti cheMoneyMart Finance, mitengo yemitero (interest rates), nemari dzese dzinobhadhariswa (fees). Mubvunze mibvunzo yose yaunayo usati wasaina chibvumirano chechikwereti. Kumbira kuti vanyatsonyatsojekesa kuti uchabhadhara mari yakawanda sei pakupedzisira. Tarisawo kuti mari yacho inobhadharwa sei kana ukanonoka.
2. Wongorora Kugona Kwako Kubhadhara: Usatora chikwereti chakakura kupfuura chaunogona kubhadhara. Nyatso tarisa mari inopinda nekuenda mubhizinesi rako kana muhupenyu hwako, wonyatsoona kuti unokwanisa here kubhadhara chikwereti nenguva pasina kukanganisa zvimwe zvinodiwa muhupenyu hwako.
3. Shandisa Zvakanaka Tekinoroji Yavo: MoneyMart Finance yakaisa mari yakawanda mune tekinoroji. Shandisa App yavo, USSD, kana WhatsApp chatbot kuti basa rinyatsoita nyore uye nekukurumidza. Zvinyorwa zvako zvinogona kuitwa nekukurumidza kuburikidza nenzira idzi.
4. Batanidza neMasevhisi Avose: Kana uri kutanga bhizinesi rine chekuita nesolar energy kana kurima, tsvaga ruzivo rwezvikwereti zvavo zvakanyatsogadzirirwa izvozvo. Vanopawo ruzivo rwekuvandudza mari (financial literacy modules) paApp yavo, shandisa mukana uyu kuti uwedzere ruzivo rwako.
5. Iva NeHurongwa Hwekushandisa Mari: Kana wawana chikwereti, nyatsove nehurongwa hwekushandisa mari yacho. Izvi zvichakubatsira kudzivirira kushandisa mari panzvimbo isiri iyo uye kuve nechokwadi chekuti bhizinesi rako rinokura sezvawakaronga.
6. Taurirana Kana Paino Matambudziko: Kana ukanzwa kuti haukwanise kubhadhara chikwereti chako nenguva, kana kuti waita dambudziko risingatarisirwi, taura nekukurumidza neMoneyMart Finance. Vanowanzo kubatsira mukugadzirisa nguva yekubhadhara kana kupa dzimwe nzira dzekubatsira.
7. Fananidza Nevamwe Vapi Vechikwereti: Kunyangwe MoneyMart Finance ichipa masevhisi akanaka, zvakanaka kufananidza zvigadzirwa zvavo nevamwe vapi vezvikwereti muZimbabwe usati watora chisarudzo chekupedzisira. Izvi zvinokubatsira kuwana chikwereti chakanakisisa chinoenderana nezvinodiwa zvako.

MoneyMart Finance iri kushanda zvakasimba mukubatsira vanhu neMabhizinesi Madiki muZimbabwe, kunyanya avo vari muchikamu chisina kunyoreswa. Nekunyatso tarisa zvigadzirwa zvavo, mitengo, uye mashandisiro, unogona kuwana mukana wakanaka wekuvandudza hupenyu hwako kana kukudza bhizinesi rako.