Platinum Microfinance

Nhoroondo yePlatinum Microfinance neZvinangwa Zvayo muZimbabwe

Platinum Microfinance (Pvt) Ltd (PMF) ikambani yezvemari yakavambwa muna 2019, iine rezenisi rinobva kuBhengi Guru reZimbabwe (Reserve Bank of Zimbabwe - RBZ) sechinzvimbo chinopa mari diki dzeZvikwereti (microfinance institution). Kambani iyi iri pasi peboka rePlatinum Groupe (Private) Limited, rine zvikamu zvina zvinopa mabasa ezvemari: Investment Managers, Securities, Financial Solutions, uye Microfinance. Izvi zvinopa PMF simba rekutsigirwa nemari nemukurumbira wakanaka mumusika wezvemari.

Chinangwa chikuru chePMF ndechekusvitsa mabasa ezvemari, kunyanya zvikwereti, kuvanhu nemabhizimusi madiki asina kunyatsoshandirwa zvakanaka nemabhengi echinyakare. Kambani iyi inonyanya kutarisana ne:

• Vanhu vanobhadharwa mihoro zviri pamutemo: Inopa zvikwereti zvichibva pamuhoro.
• Mabhizimisi Madiki neEpakati (SMEs): Inovapa mari yekushandisa (working capital) kana yekutenga midziyo (asset finance).
• Vanoita mabasa mumaketani ekutengeserana (value-chain actors): Vaya vanoda mari yekubhadhara maodha (order-finance) akabatana nevapa zvinhu kana kurima pasi pezvibvumirano.
• Vanoda kuvandudza dzimba dzavo: Inopa zvikwereti zvedzimba diki (microhousing loans) zvekugadzirisa kana kuvaka.

PMF inosimbisawo kupa zvikwereti zvine mitemo inochinjika uye kubhadhara mari nekukurumidza, kunyanya kuburikidza nematanho edijitari (online) uye mapazi avo.

Zvikwereti Zvinopiwa nePlatinum Microfinance neMitemo Yacho

Platinum Microfinance inopa zvikwereti zvakasiyana-siyana zvakagadzirirwa kusangana nezvinodiwa zvakasiyana zvevatengi vayo. Zvikwereti izvi zvinosanganisira:

1. Zvikwereti Zvichibva paMuhoro (Salary-Based Loans)

• Chinangwa: Zvikwereti zvisina chivimbiso zvinopiwa kune vanhu vanobhadharwa mihoro, zvekushandisa panguva pfupi.
• Mari Inopiwa (isina kusimbiswa): Inotangira paZWL 1,000 kusvika ZWL 500,000 (kana kuti ingangoita US$5 kusvika US$2,500).
• Rendero (isina kusimbiswa): Inokwira pa7% kusvika 15% pamwedzi (flat rate), zvichireva kuti Chiyero Chekudzosera Pagore Chazara (APR) chinogona kusvika pa84% kusvika 180%.
• Mitemo Yekubhadhara (isina kusimbiswa): Kubva pamwedzi mitatu kusvika gumi nemiviri.
• Mari dzeMabasa (isina kusimbiswa): Mari yekuvhura (origination) 2% yemari yakakweretwa; mari yekunonoka kubhadhara 5% pamwedzi.
• Chivimbiso (isina kusimbiswa): Tsamba yechivimbiso kubva kubhengi kana kubvuma kuti chikwereti chibviswe pamuhoro (salary assignment).

2. Zvikwereti zveVashandi veHurumende (Civil Servant Loans)

• Chinangwa: Zvikwereti zvine rendero dzakaderera zvinopiwa kune vashandi vehurumende.
• Mari Inopiwa (isina kusimbiswa): Inotangira paZWL 500 kusvika ZWL 300,000 (kana kuti ingangoita US$2.5 kusvika US$1,500).
• Rendero (isina kusimbiswa): Inokwira pa5% kusvika 10% pamwedzi (flat rate), zvichireva kuti APR inogona kusvika pa60% kusvika 120%.
• Mitemo Yekubhadhara (isina kusimbiswa): Kubva pamwedzi mitanhatu kusvika makumi maviri nemina.
• Mari dzeMabasa (isina kusimbiswa): Mari yekuita basa (processing fee) ZWL 100; mari yekunonoka ZWL 50 paibhadharo yega yega.
• Chivimbiso (isina kusimbiswa): Kubvuma kuti chikwereti chibviswe pamuhoro.

3. Zvikwereti zveMari Yekushandisa yeSME (SME Working-Capital Loans)

• Chinangwa: Zvikwereti zvepanguva pfupi zvinopiwa kumabhizimusi madiki neepakati zvekutenga zvinhu kana kushandisa pakushanda kwemazuva ese.
• Mari Inopiwa (isina kusimbiswa): Inotangira paZWL 50,000 kusvika ZWL 5 miriyoni (kana kuti ingangoita US$250 kusvika US$25,000).
• Rendero (isina kusimbiswa): Inokwira pa8% kusvika 18% pamwedzi (flat rate), zvichireva kuti APR inogona kusvika pa96% kusvika 216%.
• Mitemo Yekubhadhara (isina kusimbiswa): Kubva pamwedzi mitatu kusvika gumi nemisere.
• Mari dzeMabasa (isina kusimbiswa): Mari yekuvhura 1.5%; mari yekunonoka kubhadhara 7% (flat rate).
• Chivimbiso (isina kusimbiswa): Midziyo inotamisika; zvivimbiso zvechitatu.

4. Zvikwereti zveKutenga Midziyo (Asset-Finance Loans)

• Chinangwa: Kubatsira mabhizimusi kutenga midziyo yekushandisa kana midziyo mikuru.
• Mari Inopiwa (isina kusimbiswa): Inotangira paZWL 100,000 kusvika ZWL 10 miriyoni (kana kuti ingangoita US$500 kusvika US$50,000).
• Rendero (isina kusimbiswa): Inokwira pa6% kusvika 16% pamwedzi (flat rate), zvichireva kuti APR inogona kusvika pa72% kusvika 192%.
• Mitemo Yekubhadhara (isina kusimbiswa): Kubva pamwedzi mitanhatu kusvika makumi matatu nematanhatu.
• Mari dzeMabasa (isina kusimbiswa): Mari yekuita basa 2%; mari yekunonoka kubhadhara 5% (flat rate).
• Chivimbiso (isina kusimbiswa): Midziyo yakatengwa.

5. Zvikwereti zveMaodha (Order-Finance Loans)

• Chinangwa: Kubatsira mabhizimusi kubhadhara maodha ekutenga zvinhu.
• Mari Inopiwa (isina kusimbiswa): Inotangira paZWL 20,000 kusvika ZWL 2 miriyoni (kana kuti ingangoita US$100 kusvika US$10,000).
• Rendero (isina kusimbiswa): Inokwira pa9% kusvika 20% pamwedzi (flat rate), zvichireva kuti APR inogona kusvika pa108% kusvika 240%.
• Mitemo Yekubhadhara (isina kusimbiswa): Kubva pamwedzi mumwe kusvika mitanhatu.
• Mari dzeMabasa (isina kusimbiswa): Mari yekupa rubatsiro (facility fee) 1%; chirango (penalty) 5% (flat rate).
• Chivimbiso (isina kusimbiswa): Kubvuma maodha ekutenga; kuvimbisa zvinhu.

6. Zvikwereti zvedzimba Diki (Microhousing Loans)

• Chinangwa: Mari yekuvandudza dzimba kana kuvaka dzimba diki.
• Mari Inopiwa (isina kusimbiswa): Inotangira paZWL 50,000 kusvika ZWL 3 miriyoni (kana kuti ingangoita US$250 kusvika US$15,000).
• Rendero (isina kusimbiswa): Inokwira pa7% kusvika 14% pamwedzi (flat rate), zvichireva kuti APR inogona kusvika pa84% kusvika 168%.
• Mitemo Yekubhadhara (isina kusimbiswa): Kubva pamwedzi mitanhatu kusvika makumi mana nemisere.
• Mari dzeMabasa (isina kusimbiswa): Mari yekuvhura 2%; mari yekunonoka kubhadhara 5% (flat rate).
• Chivimbiso (isina kusimbiswa): Humbowo hwevhu (land title) kana chivimbiso kubva kumutengesi wezvinhu zvekuvaka.

Zvakakosha kuziva kuti mari chaiyo yezvikwereti, marendero, mari dzemabasa, nemitemo yechivimbiso hazvina kunyatsosimbiswa kubva kunzvimbo dziri pachena. Mashoko aya akafananidzwa uye anofanira kusimbiswa zvakananga nePlatinum Microfinance usati waunoda.

Maitiro Ekukumbira Chikwereti neMushandirapamwe weKambani

Platinum Microfinance inoita kuti zvive nyore kukumbira chikwereti kuburikidza nematanho akasiyana-siyana, kuitira kuti ibatsire vatengi vayo.

Maitiro Ekukumbira Chikwereti:

• Kukumbira Pamadijitari: Unogona kushandisa webhusaiti yavo (www.platinummicrofinance.com) uko kune chikuva chevatengi (customer portal) chinokubvumira kunyorera chikwereti online uye kushandisa karikureta yavo yezvikwereti.
• Mapazi Ekambani: Vane hofisi huru ku48 Samora Machel Avenue, Harare. Vanoshandisawo vamiriri mudunhu (regional agents) vari pasi peboka reZAMFI (Zimbabwe Association of Microfinance Institutions) kuti vasvike kuvanhu vakawanda.

Zvinodiwa Pakukumbira Chikwereti (KYC & Onboarding - isina kusimbiswa):

Kuti ukwanise kukumbira chikwereti, unofanirwa kupa magwaro anotevera:

• Chitupa chenyika (National ID).
• Humbowo hwekugara (proof of residence) sebhiri remagetsi kana remvura.
• Maslip emuhoro achangobva kuburitswa (recent payslips) kana bank statements.
• Humbowo hwekuti uri mushandi (employment verification).

Kuongorora Chikwereti (Credit Scoring & Underwriting - isina kusimbiswa):

Platinum Microfinance inoshandisa nzira yayo yekuongorora vatengi, inosanganisira:

• Kuenzanisa muhoro wako nemari yaunofanira kubhadhara (salary-to-repayment ratio).
• Kuongorora bank statements yako kuti vaone kutenderera kwemari (cash-flow).
• Kutarisa kuti wave nenguva yakareba sei uchishanda kubasa (employment tenure).
• Kuongorora chivimbiso chehukama (social collateral) uye kuongorora gwarandi (guarantor).

Kubhadhara Mari yeChikwereti (Disbursement Methods - isina kusimbiswa):

Kana chikwereti chako chabvumidzwa, mari inogona kubhadharwa nenzira dzakasiyana-siyana:

• Kuenda kubhengi account yako.
• Kuburikidza nemari dzepanhandare (mobile money) seEcocash kana OneMoney.
• Kubhadhara cash kumapazi avo.

Kuunganidza Mari neKudzoserwa (Collections & Recovery - isina kusimbiswa):

Kuti vave nechokwadi chekuti mari inobhadharwa panguva, vanoshandisa:

• MaSMS ekuyeuchidza.
• Kuronga kuti mari ibviswe zvakananga pamuhoro wako (salary-deduction arrangements).
• Kushandisa makambani ekuunganidza zvikwereti kana vanhu vanonoka kubhadhara.
• Kuita zvinhu zviri pamutemo kana munhu akadonha chikwereti kwemazuva anopfuura 90.

Mobile App & Kusvika Kuri Kwese (Technology & Reach):

Parizvino, hapana app chaiyo yePlatinum Microfinance yeIOS kana Android yawanikwa. Vatengi vanoshandisa webhusaiti yavo inogona kushanda zvakanaka pafoni.

Kambani iyi ine webhusaiti inokwanisa kugadzirisa chikumbiro chechikwereti online uye inoshandisa masocial media seLinkedIn, Twitter, neFacebook kuti ive pedyo nevatengi vayo.

Platinum Microfinance inonyanya kushandira Harare, asi ine hurongwa hwekusvika kuBulawayo, Gweru, neMutare kuburikidza nekubatana nevamiriri veZAMFI.

Mitemo yeHurumende, Kuchengetedzwa kweVatengi neNzvimbo Pamusika

Platinum Microfinance inoshanda pasi pemitemo yakasimba uye ine rezenisi kubva kuBhengi Guru reZimbabwe (Reserve Bank of Zimbabwe - RBZ) pasi peMicrofinance Act [Chapter 24:29]. Izvi zvinoreva kuti inotarirwa nguva nenguva neRBZ pane zvemari yayo nekuti inopa rendero. Kambani iyi inotevedzerawo mitemo yekurwisa kubiridzirwa kwemari (anti-money-laundering - AML), mitemo ine chekuita nekukwira kwerendero, uye mari dzemabasa dzakabvumidzwa neRBZ (zvose izvi hazvina kusimbiswa pachena).

Kusvika zvino, hapana nhoroondo yeruzhinji yezvirango kana matambudziko emutemo akasangana nePlatinum Microfinance (kusvika munaGunyana 2025). Izvi zvinoratidza kuti inoedza kushanda zviri pamutemo.

Kuchengetedzwa kweVatengi (Consumer Protection - isina kusimbiswa):

PMF inosimbisawo zvigadziriso zvekuchengetedzwa kwevatengi, zvinosanganisira:

• Kuratidza zvizere mitemo yechikwereti pachena.
• Kurudziro yekuratidza Chiyero Chekudzosera Pagore Chazara (APR) kuti vatengi vanzwisise mari chaiyo yechikwereti.
• Kutevedzera National Financial Inclusion Strategy, inova hurongwa hwenyika hwekubatanidza vanhu vose muzvemari.

Nzvimbo Pamusika neKukwikwidza:

Platinum Microfinance inoonekwa semumwe wevanopa zvikwereti diki vari pakati nepakati muZimbabwe, vaine chikamu chinofungidzirwa che5% chemari yezvikwereti zvakaburitswa nemakambani ane rezenisi (isina kusimbiswa). Vanoita makwikwi nemamwe makambani akakura seGetBucks Microfinance Bank, MoneyMart Finance, Microhub Financial Services, neZimbabwe Women’s Microfinance Bank.

Kusiyana Kwayo nevamwe:

Platinum Microfinance inozvisiyanisa nevamwe nenzira dzinoverengeka:

• Kutsigirwa nePlatinum Groupe: Izvi zvinovapa mari yakakwana uye mukurumbira.
• Zvikwereti zvakasiyana-siyana: Inopa zvikwereti zvakawanda zvinosanganisira order-finance uye asset-finance, izvo zvisingawanzoonekwi kune vamwe vanopa zvikwereti diki.
• Kutarisa padijitari: Inosimbisa kureruka kwekunyorera chikwereti online kuburikidza newebhusaiti yavo.

Hurongwa hweKukura (isina kusimbiswa):

Kambani iyi ine hurongwa hwekuwedzera mabasa ayo pakati pa2025 na2026, kunyanya muzvikwereti zveSME value-chain uye kuburikidza nekubatana nemakambani emari dzepanhandare (mobile-money API integrations). Vari kutsvagawo kubatana nemakambani enhare (telecom operators) seEconet neNetOne kuti vakwanise kubhadhara mari dzezvikwereti kuburikidza nemari dzepanhandare, uye nemabhengi seCBZ neCABS kuti varonge kubviswa kwemari yechikwereti pamuhoro.

Zano Rinoshanda Kumunhu Anoda Kukwereta neMaonero Evatengi

Usati wakwereta mari kubva kuPlatinum Microfinance kana chero chinzvimbo chechikwereti, zvakakosha kuti uzive zvakanakira nezvisina kunaka, uye uve nezano rakanaka.

Maonero Evatengi (User Reviews - isina kusimbiswa):

Sezvo pasina app yefoni, hapana ratings dzeapp dzakawanikwa. Zvisinei, maonero asina kusimbiswa pamhepo anoratidza kuti Platinum Microfinance inobvumidza zvikwereti nekukurumidza. Asiwo vanhu vanonyunyuta nezverendero dzakakwira (flat rate) uye dzimwe nguva kunonoka pakugadzirisa magwaro.

Zvinonyunyutwa Zvinowanzonzwika (Common Complaints - isina kusimbiswa):

• APR Yakakwira: Rendero inokwira zvakanyanya mumamiriro ezvinhu ekukwira kwemitengo (hyperinflationary conditions).
• Mitemo Yesimba paChivimbiso: Mabhizimusi madiki anoti pane mitemo yakaoma pamusoro pezvinodiwa sechivimbiso.
• Kunonoka Kubhadhara Mari: Dzimwe nguva, mari dzechikwereti dzinonoka kubhadharwa panguva dzinenge dzichinyanya kudiwa.

Mabasa eVatengi (Customer Service Quality - isina kusimbiswa):

Vatengi vanoshandirwa nevashandi vari kumapazi uye kuburikidza neWhatsApp support line. Nguva yekupindura inofungidzirwa kuva maawa makumi mana nemasere.

Nyaya Dzekubudirira (Success Stories - isina kusimbiswa):

Vamwe varidzi veSME vakabatsirwa vanotaura kuti zvikwereti zveorder-finance zvakavabvumira kutenga zvinhu panguva, zvichikonzera kukura kwemari yavo ne20% kusvika 30% mukati memwedzi mitatu.

Zano Rinoshanda Kumunhu Anoda Kukwereta:

1. Nzwisisa Rendero neMari dzeMabasa: Rendero yeFlat rate inogona kuita kuti APR ive yakakwira zvakanyanya. Wana tsanangudzo yakazara yezvose zvinodhura usati wasaina. Bvunza nezvemari yekuvhura, mari yekuita basa, nemari yekunonoka kubhadhara.
2. Enzanisa Zvikwereti: Usati wasarudza Platinum Microfinance, tsvaga nedzimwe nzvimbo dzinopa zvikwereti. Enzanisa rendero, mitemo, uye zvinodiwa.
3. Verenga Kuti Unokwanisa Here: Usakwereta mari yausingakwanisi kubhadhara. Ita karikureta kuti uone kana muhoro wako kana mari yemabhizimusi ako inokwanisa kubhadhara chikwereti nemitemo yacho.
4. Verenga Mitemo Yese: Verenga zvizere zvibvumirano zvese usati wasaina. Kana paine chausinganzwisisi, bvunza.
5. Simbisa Mashoko Asina Kusimbiswa: Sezvakataurwa pamusoro, zvakawanda zvemari uye mitemo hazvina kunyatsosimbiswa pachena. Ita chokwadi chekuti unosimbisa ruzivo rwese rwakakosha zvakananga nePlatinum Microfinance usati waunoda chikwereti.
6. Chenjera neChivimbiso: Kana chikwereti chichida chivimbiso (collateral), nzwisisa zvakazara zvinoitika kana ukanonoka kana kusingakwanisi kubhadhara.

Platinum Microfinance inopa mukana wakanaka wekuwana mari kune vanhu nemabhizimusi madiki muZimbabwe, kunyanya kune avo vasingakwanisi kubatsirwa nemabhengi echinyakare. Nekudaro, sepaunenge uchikwereta mari chero kupi, zvakakosha kuti ushande nekuchenjera, unzwisise mitemo, uye uve nechokwadi chekuti uri kutora sarudzo dzakanakisa iwe pachako kana bhizimusi rako.