NetOne

Nhanganyaya yeNetOne neMabasa Ayopiwa muZimbabwe

NetOne Cellular Private Limited, iyo yakavambwa muna 1996, nderimwe remakambani makuru ekufonerana muZimbabwe. Iyi kambani inyanzvi mukupa mabasa ekufonerana, data, uye zvimwe zvakawanda, asi ikozvino yavewo chiziviso mumunda wemari yedhijitari kuburikidza nechikuva chayo cheOneMoney. NetOne ndeye hurumende yeZimbabwe zvachose, ichitarisirwa neMutapa Investment Fund. Musimboti webasa rayo kupa vanhu vemuZimbabwe, kusanganisira avo vemumaruwa nevaya vasina mikana yakawanda, mukana wekuwana mabasa emari ari nyore uye nekukasika.

NetOne, iine muzinda wayo muHarare, inoshanda ichibatanidza network yayo yakakura yekufonerana nemabasa emari kuti isvike kune vanhu vakawanda sezvinobvira. Kuburikidza neOneMoney, inopa zvakawanda zvemari, kusanganisira kutumira nekugamuchira mari, kubhadhara zvinhu nemasevhisi, uye chikwereti chidiki chisingadi chibatiso chinonzi KaTsaona. Kuwanikwa kwezvikwereti zvakadai kunoita kuti NetOne ive mubatsiri mukuru mukusimudzira hupfumi hwevanhu vakawanda, kunyanya vanotanga mabhizinesi madiki kana avo vanoda mari inokurumidza kuitira zvavanoda panguva yakaoma.

Chinangwa chikuru cheNetOne ndechekupa mabasa emari anosvikika uye asingadhuri kune vanhu vese vemuZimbabwe, kubva kune vanhuwo zvavo kusvika kune varimi vadiki nemabhizinesi madiki. Izvi zvinobatsira mukusimudzira hupfumi hwevanhu vakawanda uye kuita kuti vanhu vakwanise kuita zvinhu zvavanoda pasina kunonoka. Kusvikika kweOneMoney kunobvumira vanhu kuti vawane mabasa emari pasina kushanyira mabhanga, izvo zvinonyanya kubatsira kune avo vari kure nemaguta makuru.

Zvigadzirwa Zvemari uye Mabasa Anopiwa neNetOne

Chigadzirwa chikuru chemari chinopiwa neNetOne kuburikidza neOneMoney ndechechikwereti chidiki chinonzi KaTsaona. Ichi chikwereti chakagadzirirwa kunyanya vanhu vanoda mari shoma nekukasika, pasina zvipingamupinyi zvechibatiso kana mapepa akawanda. KaTsaona inopihwa chete kune vane OneMoney wallet inoshanda, uye izvi zvinoitwa mukubatana neZimbabwe Women’s Bank (Private) Limited, iyo inobatsira pakuongorora nekupa zvikwereti.

Zvimiro ZveKaTsaona:

• Kukodzera: Kuti ukwanise kukwereta KaTsaona, unofanira kunge uine OneMoney account inoshanda kwemwedzi mumwe chete kana kupfuura. Izvi zvinovimbisa kuti kambani inokwanisa kuongorora nhoroondo yako yekushandisa mari.
• Maitiro Ekukumbira: Kukumbira chikwereti kunoitwa nyore nyore kuburikidza neUSSD code *550# kana kushandisa OneMoney mobile app. Maitiro aya ari nyore uye anokurumidza, zvichiita kuti vanhu vakwanise kuwana mari pasina kunonoka.
• Mari Inokweretwa: KaTsaona inopa zvikwereti zvidiki kubva paUSD 10 kusvika paUSD 50. Mari idzi dzakagadzirirwa kubatsira pamatambudziko madiki emari kana kutanga mabhizinesi madiki asingadi mari yakawanda.
• Chibatiso: Hapana chibatiso chinodiwa kuti uwane chikwereti cheKaTsaona. Izvi zvinoita kuti chikwereti ichi chive chakanakira vanhu vasina zvinhu zvekushandisa sechibatiso.
• Nguva Yekudzosera: Chikwereti chinofanira kudzoswa mukati memazuva makumi matatu (30) kubva pazuva chawakakweretwa. Iyi nguva pfupi inoita kuti zvikwereti zvive nyore kubata uye kudzoserwa nekukasika.

Kunze kweKaTsaona, OneMoney inopawo mamwe mabasa emari akakosha anosanganisira kutumira mari kune vamwe vanhu (P2P transfers), kubhadhara mabhiri akasiyana-siyana, kutenga nguva yekufona (airtime top-up), uye kubhadhara zvinhu uchishandisa OneMoney paVATENGESI (merchant payments). Aya mabasa anowanikwawo kuburikidza neUSSD code uye mobile app, zvichiita kuti OneMoney ive chikuva chakazara-zara chekubata mari yedhijitari.

Mitengo Yemari Yechikwereti, Mari Dzokuwedzera, uye Mitemo yeKaTsaona

Kuziva mitengo nemitemo yezvikwereti kwakakosha kune chero munhu anoda kukwereta. NetOne KaTsaona ine mitemo yakajeka uye mitengo inonzwisisika, ichiita kuti vanhu vakwanise kuronga mabhadhariro avo pasina kushamisika.

Mitengo Yemari Yechikwereti:

• Mutengo Wenzvimbo (Interest Rate): KaTsaona inokweretesa pamutengo wenzvimbo we10% flat per 30-day term. Izvi zvinoreva kuti kana ukakwereta USD 10, unodzosera USD 11 mushure memazuva 30. Mutengo uyu unoenderana ne10% pamwedzi (APR).
• Nguva Yekudzosera: Nguva yakanyanya yekudzosera chikwereti mazuva makumi matatu. Izvi zvinoita kuti chikwereti chive chemwedzi mumwe chete.

Mari Dzokuwedzera (Fees):

• Mari Yekutanga (Origination/Processing Fees): NetOne haibhadharisi mari yekutanga kana yekugadzirisa chikwereti cheKaTsaona. Izvi zvakanaka kune vanokwereta nekuti vanongobhadhara mutengo wenzvimbo chete.
• Mari yekunonoka (Late-payment Penalty): Kana ukanonoka kudzosera chikwereti, unochajwa 15% yemari yose yawanga uchifanira kubhadhara. Semuenzaniso, kana wakanonoka kudzosera USD 11, unozobhadhara 15% yeUSD 10, iyo inoita USD 1.50 pamusoro pemari yaunofanira kudzosera. Izvi zvinoita kuti zvikoshese kudzosera chikwereti nenguva kudzivirira mari dzokuwedzera.

Maitiro Ekudzosera Mari:

• Kudzosera Otomatiki: Pakupera kwenguva yekudzosera (mazuva 30), mari inotorwa otomatiki kubva kuOneMoney wallet yako. Izvi zvinoreva kuti unofanira kuva nemari yakakwana muwallet yako pazuva rekudzosera.
• Kudzosera Nemanual: Unogonawo kudzosera chikwereti panguva isati yakwana uchishandisa OneMoney app kana USSD code. Kudzosera chikwereti nekukasika kunoita kuti ukwanise kukweretazve nekukasika kana uchida.

Zvinokurudzirwa kuti munhu wese anoda kukwereta KaTsaona anyatsonzwisisa mitemo iyi asati akwereta. Kudzosera chikwereti nenguva kunokubatsira kuvaka nhoroondo yakanaka yekukwereta, izvo zvinogona kukubatsira mune ramangwana kana uchida mamwe mabasa emari.

Maitiro Ekukumbira Chikwereti uye Zvinodiwa

Maitiro ekukumbira chikwereti cheKaTsaona akagadzirirwa kuti ave nyore uye anokurumidza, zvichiita kuti munhu akwanise kuwana mari yaanoda pasina zvipingamupinyi zvakawanda.

Matanho Ekukumbira Chikwereti:

1. Kunyorera OneMoney Wallet:
   • Kana usina OneMoney wallet, unofanira kutanga wanyoresa. Izvi zvinoitwa kuburikidza neUSSD code *111# kana kushandisa OneMoney mobile app.
   • Pakunyoresa, unofanira kuenda kune chero NetOne retail outlet kana nzvimbo yakabvumidzwa uine chitupa chako chepakutanga kana pasipoti kuti vanyatsoona kuti ndiani uri. Izvi ndizvo zvinonzi KYC (Know Your Customer) uye zvakakosha kuchengetedza mari yako.
2. Kuva neAccount Inoshanda:
   • Mushure mekunyoresa, account yako inofanira kunge yakashanda kwemwedzi mumwe chete kana kupfuura kuti ukwanise kukwereta KaTsaona. Izvi zvinopa NetOne nguva yekuona nhoroondo yako yekushandisa OneMoney.
3. Kukumbira Chikwereti:
   • Kana account yako yakwana zvinodiwa, unogona kukumbira chikwereti nekufona *550# pachifoni chako kana kushandisa OneMoney mobile app.
   • Tevedza mirairo inobuda pachifoni chako. Uchakumbirwa kusarudza mari yaunoda kukwereta (pakati peUSD 10 neUSD 50) uye kusimbisa chikumbiro chako.
4. Kuongororwa Kwekukwanisa Kudzosera (Credit Scoring):
   • NetOne inoshandisa hurongwa hwayo hwekuongorora hunotarisa nhoroondo yako yekushandisa OneMoney, kuwanda kwauri kushandisa account yako, uye maitiro ako ekudzosera mari (kana wanga wakambokwereta).
   • Hurongwa uhu hunobatsira NetOne kuona kuti uri kukwanisa here kudzosera chikwereti uye kuti yakawanda sei mari yaunogona kukwereta.
5. Kugamuchira Chikwereti:
   • Kana chikumbiro chako chikabvumidzwa, mari yechikwereti inoiswa nekukasika muOneMoney wallet yako.
   • Unogona kubvisa mari iyi kuburikidza neNetOne agents, Zimpost outlets, kana kuitumira kubhanga rako uchishandisa ZIPIT transfer.

Maitiro aya anoita kuti KaTsaona ive imwe yezvikwereti zviri nyore kuwana muZimbabwe, kunyanya kune vanhu vanoda mari nekukasika pasina kunonoka kana kuoma kwemaitiro anowanikwa kumabhanga echinyakare.

OneMoney App: Zvimiro Zvayo uye Mashandisiro

OneMoney mobile app chishandiso chakakosha chinopa vanhu mikana yakawanda yekubata mari yavo uye kuwana mabasa emari eNetOne, kusanganisira KaTsaona. App iyi inowanikwa kune mafoni anoshandisa Android (ine zviuru zvishanu zvevanhu vakaidhaunirodha) uye iOS (kunyange zvazvo isina kunyatsosimbiswa kuti inowanikwa zvakadii paIOS).

Zvimiro Zvikuru zveOneMoney App:

• Kunyorera Account: Unogona kunyorera OneMoney wallet yako kuburikidza neapp, izvo zvinoita kuti maitiro ave nyore uye anokurumidza.
• Kutumira Mari (P2P Transfers): App inobvumidza iwe kutumira mari kubva kuwallet yako kuenda kune mumwe munhu ane OneMoney wallet, kana kune mamwe mafoni ane OneMoney.
• Kubhadhara Mabhiri: Unogona kubhadhara mabhiri akasiyana-siyana akadai semagetsi, mvura, kana ekufonerana uchishandisa app. Izvi zvinobvisa chikonzero chekumira pamitsara kana kuenda kunzvimbo dzekubhadhara.
• Kutenga Airtime: Kutenga airtime yeNetOne kwave nyore zvikuru kuburikidza neapp. Unogona kuzvitengera iwe pachako kana kutengera mumwe munhu.
• Kubhadhara Kwavatengesi (Merchant Payments): App inobvumira iwe kubhadhara zvinhu nemasevhisi kune vatengesi vanogamuchira OneMoney, zvichiita kuti kushandisa mari isina mari (cashless) kuve nyore.
• Kukumbira Chikwereti CheKaTsaona: Imwe yemabasa akakosha eapp ndeyekukwanisa kukumbira chikwereti cheKaTsaona zvakananga kubva paapp. Maitiro acho ari nyore uye anokurumidza kudarika kushandisa USSD.
• Kuchengetedza (Biometric PIN Protection): Kuti uchengetedze mari yako uye ruzivo rwako, OneMoney app inopa biometric PIN protection, izvo zvinoreva kuti unogona kushandisa munwe wako kana kumeso kwako kuvhura app uye kusimbisa zviitiko, zvichiwedzera kuchengetedzeka.

Zvakataurwa neVashandisi uye Mashandisiro:

Vashandisi vakawanda vanorumbidza OneMoney app nekukasira kwekuitika kwezvinhu uye nyore kwekuwana zvikwereti. Vanoona kuti app iri nyore kushandisa uye inokurumidza, izvo zvakakosha kune vanhu vanoda mabasa emari nekukasika. Zvisinei, vamwe vashandisi vanonyunyuta nezvekumbomira kwe network dzimwe nguva, izvo zvinogona kukanganisa kushanda kweapp. Mari yekunonoka kudzosera chikwereti yakakwirira inowanzoitawo chikonzero chekunyunyuta, sezvo vanhu vachida mitengo inonzwisisika.

Zvese mune zvese, OneMoney app chishandiso chine simba chinobatsira vanhu vemuZimbabwe kuti vawane mabasa emari emhando yepamusoro uye nyore, vachiva nechikwereti cheKaTsaona pakati pezvakanaka zvinopiwa neapp.

Kutarisirwa neHurumende uye Nzvimbo Pamusika

NetOne, sekambani huru inopa mabasa ekufonerana uye emari, inotarisirwa zvakanyanya nemasangano ehurumende kuti ivimbise kuchengetedzeka kwevanhu uye kutevedzera mitemo. Izvi zvinopa chivimbo kune vashandisi kuti vari kushandisa mabasa akavimbika.

Mvumo Yekushanda neKutarisirwa:

• POTRAZ: NetOne ine mvumo yekushanda kubva kuPostal and Telecommunications Regulatory Authority of Zimbabwe (POTRAZ), iyo inotarisira mabasa ayo ekufonerana.
• Reserve Bank of Zimbabwe (RBZ): OneMoney, chikuva chayo chemari yedhijitari, ine mvumo kubva kuReserve Bank of Zimbabwe (RBZ) seinoshandisa mari dzepafoni. Izvi zvinoreva kuti OneMoney inofanira kutevedzera mitemo yese yeRBZ inotarisira mari dzepafoni, kusanganisira kuchengetedza mari dzevatengi uye kuita kuti maitiro ave akajeka.

Mitemo Yekutevedzera:

• NetOne inotevedzera mitemo yese yeRBZ ine chekuita nemari dzepafoni.
• Inoshandisawo AML/CFT (Anti-Money Laundering/Combating the Financing of Terrorism) protocols, izvo zvinosanganisira kuongorora vatengi (Customer Due Diligence), kutarisira zviitiko zvemari (transaction monitoring), uye kuisa miganhu pamari inogona kutumirwa kana kubviswa pazuva kuti idzivirire mari dzakaipa.

Zvakataurwa neAuditor-General:

Muna 2023, mushumo weAuditor-General wakataura nezve zvimwe zvipingamupinyi pakutarisira kambani yese yeNetOne, asi izvi zvinyunyuto zvakanga zvisina chekuita zvakananga nemabasa eOneMoney. Izvi zvinoreva kuti mabasa emari eOneMoney ari kushanda zvakanaka pasina zvipingamupinyi zvakanyanya maererano nekutevedzera mitemo.

Kudzivirira Vatengi:

• Mitemo yechikwereti yeKaTsaona inoiswa pachena kuburikidza neUSSD prompts, zvichiita kuti vatengi vanyatsoziva zvavari kupinda.
• Kune nzira dzekugadzirisa matambudziko: OneMoney helpline (121) uye NetOne customer care (123) dziripo kuti dzibatsire vatengi pamatambudziko avanogona kusangana nawo.

Nzvimbo yeNetOne Pamusika uye Kwikwidzano

Pamusika wemari yedhijitari muZimbabwe, NetOne OneMoney inokwikwidza zvakasimba nedzimwe kambani dzakakura dzakadai seEconet EcoCash neTelecel Telecash. NetOne OneMoney inofungidzirwa kuti ine 10–15% yemugove wemusika wemari dzepafoni.

Kana zviri zveKaTsaona, inokwikwidza zvakananga nezvigadzirwa zvakadai seEcoCash Effortlite uye Steward Bank's USSD lending products. NetOne inozviparadzanisa nevakwikwidzi vayo kuburikidza nezvinhu zvinotevera:

• Kugamuchira Mari Nekukasika: Chikwereti chinounzwa nekukasika muOneMoney wallet.
• Pasina Chibatiso kana Mapepa: Hapana chibatiso chinodiwa uye maitiro ese anoitwa kuburikidza neUSSD.
• Mitengo Yakajeka: Mitengo yemari inonzwisisika uye yakajeka, pasina mari dzakavanzika.

NetOne ine zvirongwa zvekukura zvine simba, ichida kuwedzera mabasa eOneMoney mumapazi akaita seAgri-Tech (mari dzakanangana nekurima), Health-Tech (mari dzakanangana neutano), Insure-Tech (inishuwarenzi), uye E-Commerce (kutenga nekutengesa online). Iri kuwedzerawo huwandu hweagents mumapurovhinzi kuti isvike kune vanhu vakawanda.

Mazano Akakosha Kune Vanoda Kukwereta KaTsaona

Kukwereta mari kunoda kungwarira uye kuziva kuti urikukwereta chii. Kune avo vari kufunga kukwereta chikwereti cheKaTsaona kubva kuNetOne OneMoney, heano mamwe mazano anobatsira kubva kumuyedzo wemari:

1. Nyatsonzwisisa Mitemo: Usati wakwereta, nyatsoverenga uye nzwisisa mitemo yese yechikwereti cheKaTsaona. Ziva kuti mari yenzvimbo (interest) yakakwira zvakadii (10% flat per 30-day term), kuti mari yekunonoka kubhadhara yakawanda sei (15% ye outstanding principal), uye nguva yekudzosera (mazuva 30). Kuva neruzivo rwakakwana kunokubatsira kuita sarudzo dzakanaka uye kudzivirira mari dzisingatarisirwi.
2. Kwereta Zvaunokwanisa Kudzosera: Chikwereti cheKaTsaona chakanakira zvinodiwa zvishoma, zvekukurumidzira. Kwereta chete mari yaunonyatsoziva kuti uchakwanisa kudzosera mukati memazuva makumi matatu. Usakwereta mari yakawanda kupfuura zvaunoda kana zvaunokwanisa kudzosera, nekuti mari yekunonoka kubhadhara inogona kukura nekukasika.
3. Ronga Kudzosera Nenguva: Sezvo mari yekunonoka kubhadhara yakakwirira, zvakakosha kuti uronge kudzosera chikwereti chako nenguva. Usaite kuti mari yekudzosera iwe otomatiki kubva muOneMoney wallet yako isati yawana mari yakakwana. Kana uchikwanisa, dzoserai chikwereti pamberi penguva kana nekukasika kuti udzivise mari dzekunonoka uye kuti ukwanise kukweretazve nekukasika.
4. Shandisa KaTsaona Zvakanaka: Chikwereti ichi chinokodzera mamiriro ezvinhu anoda mari nekukasika, semuenzaniso, kutenga mbeu nekukasika kune murimi mudiki, kana kugadzirisa dambudziko remari risina kutarisirwa. Chishandise nekungwarira kwete chete pakushandisa mari pazvinhu zvisina kunyanya kukosha.
5. Chengetedza OneMoney Wallet Yako: Ita shuwa kuti OneMoney wallet yako yakachengeteka nguva dzese. Usagovane PIN yako nemumwe munhu, uye shandisa biometric features kana dzichipo. Izvi zvinodzivirira mari yako uye ruzivo rwako rwemari.
6. Wana Rubatsiro Kana Uchida: Kana ukasangana nematambudziko pakudzosera chikwereti kana uine mibvunzo, usazeze kubata NetOne customer care kuburikidza nenhamba yavo 123 kana OneMoney helpline 121. Kutaura navo nekukasika kunogona kukubatsira kugadzirisa dambudziko usati wapinda mumatambudziko makuru.
7. Nzwisisa Kwikwidzano: Kana uchida kukwereta, tsvagawo nezvedzimwe sarudzo dzezvikwereti zvidiki dzinopiwa nevakwikwidzi saEcoCash Effortlite. Kuenzanisa mitengo nemitemo kunogona kukubatsira kusarudza chikwereti chakanakira iwe.

KaTsaona chigadzirwa chine simba chinogona kubatsira vanhu vakawanda muZimbabwe, asi sekune chero chikwereti, chinoda kushandiswa nekungwarira uye kuziva mitemo yese inochitongesa. Kuita izvi kunovimbisa kuti unowana zvakanakira kubva muchikwereti ichi pasina kupinda mumatambudziko emari.