Ndasenda: Nhoroondo Nezvayakavamba MuZimbabwe
Ndasenda, inova chikamu chekambani inonzi FN Software Solutions Private Limited, ikambani yakagadzirirwa kufambisa masevhisi ezvemari edhijitari muZimbabwe. Yakatanga basa rayo rekupa zvikwereti zvedhijitari muna Chikumi 2024, zvinova Ndasenda Pay. Kubva ipapo, yakawedzera masevhisi ayo zvakanyanya, ichibatana nemabhangi, masangano anopa zvikwereti zvidiki (microfinance institutions), nemakambani efoni kuitira kuti ikwanise kupa zvikwereti, kubhadhara mari, uye masevhisi emari yedhijitari (wallet services) munyika yose.
Iyo FN Software Solutions Private Limited yakavambwa muna 2011, asi Ndasenda Pay yakavambwa ichangopfuura. Ndasenda ikambani yemunhu oga uye inotungamirirwa naVaNever Ndemera, vari Chief Executive Officer. Hofisi yayo huru iri pa4 Phillips Avenue, Belgravia, Harare. Chikuru chavanoda kubatsira vanhu vanoshanda nemari yemuhoro, vanotambira penzioni kubva kuhurumende, vatengesi vadiki, nemabhizinesi madiki nemaplatifomu avo edhijitari.
Basa raNdasenda rinotarisa pakupa sevhisi inobatanidza zvikwereti zvedhijitari, mari yedhijitari, kubhadhara mabhiri, uye kutenga nekutengesa zvinhu zvedhijitari pane imwe chete puratifomu. Izvi zvinoita kuti vanhu vakwanise kuwana mari yavanoda nekukurumidza uye zviri nyore, kunyanya avo vanowana muhoro kana vane mabhizinesi anoda mari yekushandisa.
Zvigadzirwa Zvezvikwereti Nemasevhisi Emu Ndasenda
Ndasenda inopa zvigadzirwa zvezvikwereti zvakasiyana-siyana zvakagadzirirwa zvinodiwa nevanhu vemuZimbabwe. Zvikuru zvezvikwereti zvavanopa zvinosanganisira:
- Zvikwereti Zvakatsigirwa NeMuhoro (Salary-backed loans): Izvi zvikwereti zvinopihwa vanhu vanoshanda uye zvinobviswa zvakananga kubva pamuhoro wavo. Izvi zvinoita kuti zvive nyore kuwana zvikwereti nekuti mubhadhari anenge achisimbisa kuti munhu anowana mari inogona kubhadhara chikwereti.
- Mari Yekufambisira Bhizinesi Revatengesi (Merchant advance financing): Izvi zvikwereti zvinopihwa vatengesi kuitira kuti vakwanise kutenga zvinhu zvekutengesa. Zvinowanikwa kune avo vanoshandisa Ndasenda Pay pamabasa avo ekutengesa.
- Mari Yekushandisa Kumabhizinesi Madiki (Microenterprise working capital): Nepo ruzivo rwakazara rusina kuburitswa pachena, Ndasenda inopawo mari yekushandisa kumabhizinesi madiki kuitira kuti akwanise kufambisa mabasa awo ezuva nezuva.
Mitengo Yezvikwereti, Mari Dzese, Nemitemo
Ruzivo rwakazara pamusoro pemitengo yechikwereti (interest rates) uye mari dzese dzinobhadharwa (fees) muNdasenda hadzina kuburitswa pachena kune veruzhinji. Izvi zvinokonzerwa nekuti Ndasenda inoshanda ichibatana nemamwe masangano anopa mari, saka mitengo yacho inogona kusiyana zvichienderana nesangano racho uye nerudzi rwechikwereti. Zvinofungidzirwa kuti mitengo iyi inotariswa zvichienderana nemuhoro wemushandi uye njodzi yekusabhadhara. Mari dzekutanga chikwereti (origination/processing fees) dzinogona kubhadhariswa, uye mari dzinobhadharwa kana chikwereti chikanonoka kubhadharwa zvinogona kuitika. Zvakakosha kuti munhu wese anokumbira chikwereti awane ruzivo rwakazara pamusoro pemitengo nemari dzose dzinobhadharwa asati asaina chero chibvumirano.
Nguva dzekubhadhara zvikwereti (tenors) dzinowanzo kuva pakati pemwedzi mumwe kusvika gumi nemiviri, zvichienderana nemazuva ekubhadhara muhoro. Kubhadhara kunoitwa zvakananga kubva pamuhoro wemunhu kana kuburikidza nemari yedhijitari yeNdasenda. Kuti uwane chikwereti, Ndasenda haidi chinhu chikuru chekusiya sechibatiso (collateral) kunze kwekuita chibvumirano chekubvisa mari kubva pamuhoro wako. Mushandirwi wako anenge achisimbisa kuti uri mushandi wake uye kuti unogamuchira muhoro unogona kubhadhara chikwereti.
Maitiro Ekukumbira Zvikwereti, Tekinoroji NeKusvika Kwayo
Kukumbira chikwereti kuburikidza neNdasenda kuri nyore uye kunoitwa nekukurumidza nekuda kwetekinoroji yavo. Maitiro acho anosanganisira:
- Kunyorera Kuburikidza neWhatsApp: Vanokumbira chikwereti vanogona kunyorera nekutumira meseji ye "hi" kunhamba yeWhatsApp yaNdasenda. Mushure mezvo, vanopihwa mibvunzo yekuzadza ruzivo rwavo (KYC – Know Your Customer) kuburikidza nechat.
- Webhu Portal: Kune webhusaiti yeNdasenda inowanikwa kune vose vashandi nevanopa mabasa (employers). Izvi zvinoita kuti vashandi vakwanise kukumbira zvikwereti, uye vanopa mabasa vakwanise kubatsira mukufambisa kubhadhara.
- Mobile App: Ndasenda ine application yefoni inonzi "NDASENDA Digital Payment" inowanikwa paGoogle Play Store kune vashandisi veAndroid. Iyo app iyi ine zvinhu zvakawanda zvinosanganisira mari yedhijitari, kubhadhara mabhiri, kutenga nekutengesa zvinhu zvedhijitari, kukumbira chikwereti, uye kubhadhara kuburikidza neQR code. Ruzivo rwekuwanika kweapp iyi kune vashandisi veIOS (maApple phones) haruna kusimbiswa.
Kuongorora Ruzivo Rwemunhu (KYC) uye Mari
Ndasenda inoshandisa nzira dzedhijitari kuunganidza ruzivo rwemunhu, kusanganisira kuzivikanwa kwake kuburikidza neWhatsApp uye webhu portal. Zvinotendwa kuti vanobatanawo nedatabase renyika kuti vasimbise ruzivo. Kuongorora kuti munhu anokodzera chikwereti (credit scoring) kunoitwa vachishandisa nzira dzavo dzakavanzika dzinobatanidza ruzivo rwemari yemuhoro, nhoroondo yemabasa, uye maitiro emari emunhu. Mari dzinoendeswa kune vanokumbira zvikwereti kuburikidza nebhange, kana kuburikidza nemari yedhijitari yeNdasenda. Zvinonziwo vanogona kubhadhara mari kuburikidza nevatengesi vanobatana navo, asi izvi hazvina kusimbiswa.
Kusvika kweNdasenda kwakapararira munyika yose kuburikidza nemakambani edhijitari nemasangano avanobatana nawo. Hofisi yavo huru iri muHarare, asi vanobatana nevatengesi munzvimbo dzakawanda dzemaguta. Kubva muna Chikumi 2024, Ndasenda yakakwanisa kubatana nevanopfuura zviuru zvishanu zvevashandi (employers) mumwedzi mitanhatu yekutanga. Vashandisi vavo vakawanda vanosanganisira vanhu vanoshanda muhurumende nemumakambani akazvimirira, vatengesi vadiki, nevanotambira penzioni.
Mutemo, Kwikwidzana NeMazano Kuvanokumbira Zvikwereti
Ndasenda, sekambani yezvemari yedhijitari, inoshanda pasi pechitsigiro cheBazi rezve Tekinoroji Neruzivo (Ministry of ICT). Masangano anopa mari kuburikidza neNdasenda (the lenders) ari pasi pemitemo yeReserve Bank of Zimbabwe. Parizvino, hapana ruzivo rwakazara rweNdasenda Pay kuti ive nelicense yayo yekushanda sefintech kambani. Ndasenda inoti inochengetedza ruzivo rwevatengi kuburikidza nekushandisa nzira dzekuchengetedza (data encryption) uye kuti vanopa ruzivo rwakazara pamusoro pemari dzose dzinobhadharwa kuburikidza nezvibvumirano zvevashandi, asi izvi hazvina kusimbiswa pachena.
Kwikwidzana Mumusika Nemamiriro Azvo
Ndasenda inokwikwidza nemabhangi anopa zvikwereti zvemuhoro zvinoitwa nekukurumidza, masangano anopa zvikwereti zvidiki (microfinance institutions) akaita seZMF neCABS SMS instant loans, nemakambani anopa zvikwereti kuburikidza nefoni. Ndasenda inozvisiyanisa nevamwe nekuti inobatanidza zvakananga nemubhadhari wemari (employer), ine maitiro ekunyorera kuburikidza neWhatsApp ari nyore, uye inopa masevhisi akawanda pane imwechete puratifomu. Kunyange zvazvo Ndasenda iri kukura nekukurumidza, hazvina kujeka kuti ine chikamu chakakura sei mumusika. Asi kukurumidza kwayo kubatana nevashandi kunoratidza kuti iri kuwana nzvimbo mumusika. Vanoronga kubatanidzawo masevhisi einishuwarenzi nemari dzekuchengetedza (savings modules) muna 2026.
Ndasenda inobatana nemabhangi makuru eZimbabwe kuti afambise kuendesa mari, uye zvinofungidzirwa kuti inobatanawo nemakambani efoni makuru akaita seEconet neTelecel kuitira mari yedhijitari, kunyange hazvo izvi zvisina kusimbiswa. Vanobatanawo nehurumende nemakambani akazvimirira semabasa emapurogiramu avo.
Mhinduro Dzevatengi Nemasevhisi Avanoita
PaGoogle Play Store, Ndasenda Digital Payment app ine chiyero che4.2 kubva pa5 nyenyedzi. Vatengi vanofarira kureruka kwayo uye kumhanya kwayo kuwana chikwereti. Zvimwe zvichemo zvinosanganisira app inowira pasi dzimwe nguva, uye kunonoka kwemhinduro kubva kuWhatsApp yavo. Ndasenda ine email ([email protected]) nenhamba yerunhare (+263 784 448 162) yekubatsira vatengi. Zvinofungidzirwa kuti vanopindura mibvunzo mukati memaawa makumi maviri nemana.
Mazano Akakosha Kuvanokumbira Zvikwereti kubva kuNdasenda
Kana uchifunga kukumbira chikwereti kubva kuNdasenda, pane zvimwe zvinhu zvakakosha zvaunofanira kufunga nezvazvo semunhu wemuZimbabwe anoda mari yakachengeteka uye inobatsira:
- Nzwisisa Mitemo Yese: Usati wasaina chero chibvumirano, iva nechokwadi chekuti wanzwisisa mitemo yese yechikwereti, kusanganisira mitengo yechikwereti, mari dzese dzakavanzika, uye nguva dzekubhadhara. Sezvo mitengo isina kuburitswa pachena, bvunza zvakadzama usati watanga.
- Enzanisa NeMamwe Masangano: Usati watora chikwereti, tarisa kuti mamwe masangano anopa chii. Izvi zvichakubatsira kuwana chikwereti chine mitemo yakanakisa kwauri.
- Simbisa Ruzivo: Ndasenda inoshanda ichibatana nemamwe masangano. Bvunza kuti ndeapi masangano anopa mari anobatana naNdasenda uye tarisa kuti ane zita rakanaka here.
- Shandisa Mari Neuchenjeri: Chikwereti chinofanira kushandiswa pazvinhu zvinokosha uye zvinokwanisa kudzoserwa. Usatore chikwereti chezvinhu zvisina basa kana zvisingawanikwe mari yekuchibhadhara.
- Ramba Uine Ruzivo: Ramba uchiwana ruzivo rwezviri kuitika paaccount yako yekubhadhara, kunyanya sezvo chikwereti chinobviswa zvakananga kubva pamuhoro wako.
- Chenjera PaTekinoroji: Kana uchishandisa app kana WhatsApp, iva nechokwadi chekuti uri kutaura neNdasenda chaiyo, kwete vanhu vanoda kukubiridzira. Chengetedza ruzivo rwako rwakavanzika.
Ndasenda iri kuunza shanduko mumasevhisi ezvemari edhijitari muZimbabwe, ichipa nzira iri nyore uye inokurumidza kuwana mari. Asi sezvakaita chero chikwereti, zvinokosha kuti munhu wese azive zvese nezvachose asati atora chikwereti kuitira kuti asazvipinze mumamiriro ezvinhu akaoma mune ramangwana.
