POSB

Nhoroondo Yakazara yePOSB muZimbabwe

People’s Own Savings Bank (POSB) isangano remari rakakosha zvikuru muZimbabwe, richimirira bhanga rekuchengetedza mari rine nhoroondo yakareba uye muridzi wehurumende zvakakwana. Sangano iri rakavambwa muna Zvita wegore ra1904 pasi peMutemo wePost Office Savings Bank (Chapter 249), richizozoshandurwa kuita sangano rakazvimirira pasi peMutemo wePeople’s Own Savings Bank (Chapter 24:22) muna 2001. POSB ndiro roga bhanga rekuchengetedza mari muZimbabwe rine muridzi wekuZimbabwe zana kubva muzana, richitarisirwa zvikuru nehurumende, iyo inobata chikamu che95% chemuridzi, ne5% yasara ichichengetwa neBazi reMari sechikamu.

Kwemakore anopfuura zana nemakumi maviri ekushanda, chinangwa chePOSB chagaro chiri chekubatsira vanhu vese vemuZimbabwe, kunyanya vashandi vehurumende, vanhu vane mari shoma, nemabhizinesi madiki. Vanopa mabasa avo kuburikidza nemapazi avo akapararira munyika yose, pamwe chete nekushandisa hofisi dzeZimPost nemamwe mabhizinesi makuru ekutengesa zvinhu sevatumwa vavo. Mumakore achangopfuura, POSB yakavandudza mabasa ayo nekuunza chikwereti che Instant Payday Loan chinopihwa kuburikidza nenhare, ichiva nzira yekusvika kune vanhu vasina kwaniso yekuwana zvikwereti kumabhanga echinyakare. Mutungamiriri mukuru wePOSB parizvino ndiVaGarainashe Changunda, vakagadzwa muna 2025, vachitungamira sangano iri pamwe chete neMutungamiriri weBhodi, Dr. R. Mbire, uye vamwe vatariri vakuru.

Mhando dzezvikwereti neMabasa Anopihwa nePOSB

POSB inopa mhando dzakasiyana dzezvikwereti zvakagadzirirwa kusangana nezvinodiwa nevanhu vakasiyana-siyana muZimbabwe. Heano zvimwe zvezvikwereti zvavanopa:

• Zvikwereti Zvemunhu Zvidiki (Personal Microfinance Loans): Izvi zvinosanganisira zvikwereti zvevashandi vehurumende, izvo zvinobviswa pamuhoro wavo mwedzi nemwedzi. Mari inogona kusvika kumadhora ekuAmerica zviuru zviviri ($2,000), uye nguva yekubhadhara inogona kusvika pamwedzi makumi maviri nemana (24). Inoda inishuwarenzi yechikwereti. Pane zvakare zvikwereti zve Express Personal Loans zvisina chibatiso, zvakagadzirirwa zvinodiwa zvepakarepo, kunyanya kune vashandi vehurumende vanokwanisa.
• Zvikwereti zveMari Yechikoro (School Fees Loans): Izvi zvikwereti zvenguva pfupi zvinobatsira vabereki kubhadhara mari dzechikoro nezvimwe zvinodiwa panyaya dzedzidzo. Zvinogona kunyorerwa nevanhu kana mapoka evanhu.
• Zvikwereti zveMatambudziko kana Zvekurapa (Benevolent/Emergency Medical Loans): Aya ndiwo zvikwereti zvemapoka (kusvika kuvanhu vatatu) zvakagadzirirwa matambudziko akadai semari yekuviga kana zvinodiwa zvekurapa. Hazvina magwaro mazhinji anodiwa kuti unyorere.
• Zvikwereti zveMabhizinesi Madiki (Cash Flow/Group-Backed Loans): Izvi zvikwereti zvinopa mari yekushandisa kumabhizinesi madiki asina kurongwa zviri pamutemo. Zvinoshandisa hurongwa hwekuzvidavirirana kwepaboka uye zvinogona kubvumidzwa mukati memaawa makumi maviri nemana (24).
• Chikwereti chepakarepo chePayday (Instant Payday Loan): Ichi chikwereti chemagetsi, chisingadi chibatiso, chinowanikwa kuburikidza neUSSD (*223# paEconet, *222# pane mamwe mapuratifomu). Mari yacho inotaridzwa zvichienderana nemuhoro wemunhu uye yakagadzirirwa vanhu vari mumabasa asina kurongwa zviri pamutemo nevari kumaruwa. Inogona kusvika kumadhora ekuAmerica mazana matatu ($300).
• Zvikwereti zveDzimba (Ordinary Mortgage Loans): Izvi zvikwereti zvinobatsira vanhu kutenga kana kuvaka dzimba. Nguva yekubhadhara inogona kusvika pamakore gumi (10), nemari yemhindu ye12% pagore. Chibatiso chinodiwa ndicho gwaro reimba (title deed). Munhu anoda chikwereti ichi anofanira kunge aine akaundi yekuchengetedza mari nePOSB.

Mitemo yeZvikwereti, Mari Yemhindu neMitero

Mitemo yePOSB inosiyana zvichienderana nemhando yechikwereti. Kune zvikwereti zvemunhu zvidiki, mari inotangira pamadhora ekuAmerica zana ($100) kusvika kumadhora zviuru zviviri ($2,000), nenguva yekubhadhara yemwedzi mitanhatu (6) kusvika makumi maviri nemana (24). Mari yemhindu yepagore (APR) inotangira pa10.1% kune vane nhoroondo yakanaka yekubhadhara, kusvika ku24% kune vane njodzi yakakwira.

Zvikwereti zvemari yechikoro nezvematambudziko zvinotangira pamadhora ekuAmerica makumi mashanu ($50) kusvika churu ($1,000), nenguva yekubhadhara yemwedzi mitatu (3) kusvika gumi nemiviri (12). Mari yemhindu yacho iri pakati pe15% ne18% pagore. Chikwereti che Instant Payday Loan chinopa mari inosvika pamadhora ekuAmerica mazana matatu ($300), nenguva yekubhadhara inosvika pazuva rekutambira muhoro unotevera (max 30 mazuva), nemari yemhindu yepagore ingangoita 30% (inochinja-chinja).

Panyaya yemitero, POSB inobhadharisa mari yekugadzirisa chikwereti (processing fee) yemadhora ekuAmerica makumi mashanu ($50) kune zvikwereti zvemunhu zvidiki nezvemunhu. Kana munhu akakundikana kubhadhara chikwereti nenguva, anogona kubhadhariswa 5% yechikamu chisina kubhadharwa pamwedzi (kunyange zvazvo izvi zvisina kusimbiswa zviri pamutemo). Pachibatiso, zvikwereti zvedzimba zvinoda magwaro edzimba, asi zvikwereti zvidiki nezvepayday hazvidi chibatiso. Zvikwereti zvemapoka zvinoshandisa kuzvidavirirana kwepaboka sechibatiso.

Maitiro Ekunyorera, Tekinoroji neMitemo Yekushanda

Kunyoresa chikwereti nePOSB kwakarerutswa nemhando dzakasiyana dzenzira. Unogona kunyorera chikwereti kuburikidza neUSSD Banking, uchishandisa *223# paEconet kana *222# pane mamwe manetiweki akadai seNetOne neTelecel. Izvi zvinobvumira kunyorera nekugashira mari yechikwereti kuburikidza nenharembozha. Kunyange POSB iine app yenharembozha yeAndroid neiOS inonzi "POSB Mobile Banking," parizvino haibvumire kunyorera zvikwereti kuburikidza nayo, asi inopa mabasa akaita sekutarisa mari yako, mini-statement, kutumira mari kuburikidza neZIPIT, kutenga airtime, kubhadhara mabhiri, uye kutsvaga mapazi kana maATM. Zvinosuruvarisa, app iyi ine zvichemo zvakawanda zvekusashanda zvakanaka, ine ratings yakaderera ye3.1/5 paGoogle Play ne1.8/5 paApp Store.

POSB inoshandisawo webhusaiti yayo yekubhangi kutarisa mari yako, asi fomu dzezvikwereti dzinogona kudhawunirodwa ipapo dzinoda kuti dzizozadza nemaoko uye dzizonoiswa kumapazi. Kune vanoda kunyorera nenzira yechinyakare, POSB ine mapazi makumi matatu nemana (34) akapararira munyika yose, pamwe chete nevatumwa vanopfuura mazana maviri nemakumi maviri (220) kuburikidza neZimPost, uye dzimwe nzvimbo gumi nemasere (18) mumabhizinesi makuru ekutengesa zvinhu.

Zvinodiwa Pakunyoresa Chikwereti nePOSB

Kuti unyorere chikwereti, unofanira kuunza magwaro anotevera:

• Chitupa chekuzivikanwa (National ID, pasipoti, kana rezinesi rekutyaira).
• Gwaro rekuratsa pekugara (Proof of residence).
• Gwaro rekuratsa muhoro kana mari yaunowana (payslips kana bank statements).
• Kuvhura akaundi yekuchengetedza mari nePOSB kunodiwa kune vese vanonyorera chikwereti.

POSB inoshandisa nzira yekuongorora kugona kwemari kwevanhu zvichienderana nemuhoro wavo, nhoroondo yemari, uye maitiro ekushandisa akaundi yavo. Kune zvikwereti zvemapoka, vanoshandisa kuzvidavirirana kwevanhu vari muboka. Mari yechikwereti inogona kugashirwa kuburikidza nekutumirwa kwemari pafoni (EcoCash/OneMoney), kutumirwa kubhanga rako rePOSB kana mamwe mabhanga, kana kuitora nemari kubazi. Kubhadhara zvikwereti kunoitwa kuburikidza nekubviswa pamuhoro (kune vashandi vehurumende), kuburikidza nemari yefoni, standing order, kana kubhadhara nemari kumapazi.

Mitemo yePOSB uye Kuregererwa

POSB inobvumirwa neReserve Bank of Zimbabwe (RBZ) sebhanga rinogamuchira mari dzinochengetedzwa. Inotevedzera mitemo yese yeBanking Act uye inotarisirwa pasi peRBZ Prudential Guidelines. Zvikwereti zvidiki zvayo zvakanyoreswawo pasi peMicrofinance Act Cap 24:29. Parizvino, hapana matambudziko emutemo makuru akabuda pachena nezvePOSB. Vanopawo nzira dzekugadzirisa matambudziko evatengi kuburikidza nehurongwa hweRBZ hwekudzivirira vanochengetedza mari, uye vanofanira kuratidza pachena mhindu nemitero yezvikwereti zvavo sezvinodiwa nemutemo.

Nzvimbo yePOSB Pamusika uye Maonero eVatengi

Kunyangwe POSB isina chikamu chikuru chese chemusika wekubhangi muZimbabwe (inenge 5% chete yemari dzinochengetwa muna 2015), iri pamberi panyaya yekubatsira vanhu vese kuwana mabasa emari, kunyanya kuburikidza neZimPost agency network yayo. Inokwikwidzana nemamwe mabhanga akadai seBancABC neCBZ, pamwe chete nemasangano anopa zvikwereti zvidiki seGetBucks neZB Microfinance. POSB iri kuronga kuwedzera mabasa ayo, kusanganisira kuunza nzira dzekuvhura akaundi dzemagetsi muna 2026, uye kudyidzana nemakambani enharembozha kuti zvikwereti zvavo zvibatanidzwe mumapuratifomu emari yefoni.

Maonero eVatengi neZvichemo Zvavo

Maonero evatengi ane POSB akasanganiswa. Kunyange zvazvo POSB ichirumbidzwa nekuwana kwayo kune vanhu kumaruwa nekunze kwemaguta, app yavo yenharembozha yakagamuchira zvichemo zvakawanda zvekusaishanda zvakanaka uye zvakaderera ratings. Vatengi vanonyunyutawo nezvekunonoka kugadziriswa kwezvikwereti zvakajairwa (2-5 mazuva), mitero yepamusoro yekunonoka kubhadhara, uye kusajeka kwemitero. Kune rumwe rutivi, POSB yakabatsira vashandi vehurumende vazhinji kubhadhara mari dzechikoro kuburikidza nezvikwereti zvemapoka zvinobvumidzwa nekukurumidza. Vamabhizinesi madiki kumaruwa vakawanawo mari yekushandisa kuburikidza nezvikwereti zvemapoka zvisina chibatiso cheimba.

Panyaya yebasa revatengi, vanogona kusvika kuPOSB kuburikidza nefoni pa08677009200, nemaminiti mashanu kusvika gumi (5-10) vakamirira. Email ([email protected]) inogona kunonoka kupindurwa, zvichitora maawa makumi maviri nemana kusvika makumi mana nemasere (24-48). POSB inoramba iri mutambi akakosha mukubatanidza vanhu munyaya dzezvemari muZimbabwe.

Mazano Anobatsira Kune Vane Kuda Kukwereta Mari nePOSB

Usati wakwereta mari kubva kuPOSB kana chero sangano remari, zvakakosha kuti uite tsvakurudzo yakazara uye uronge zvakanaka. Heano mamwe mazano anobatsira:

• Ongorora Zvido Zvako: Nyatsoziva kuti uri kuda mari iyi yei uye kuti ingani chaizvo. Usakwereta mari yakawandisa kupfuura zvaunoda kana zvaunogona kubhadhara.
• Enzanisa Zvikwereti: Tarisa mhando dzakasiyana dzezvikwereti zvinopihwa nePOSB uye uone kuti ndeipi inoenderana nezvinodiwa newe nemamiriro ako emari. Enzanisa mhindu nemitero.
• Nzwisisa Mitemo neMamiriro: Verenga magwaro ese ezvikwereti usati wasaina. Nyatsonzwisisa kuti mari yemhindu ingani, mitero iripo, nguva yekubhadhara, uye zvirango zvekukundikana kubhadhara nenguva. Kana paine chausinganzwisisi, bvunza.
• Tarisa Kugona Kwako Kubhadhara: Nyatsoongorora kuti muhoro wako kana mari yaunowana inokwanisa here kubhadhara chikwereti pamwe chete nemari yemhindu nemitero pasina kukanganisa zvimwe zvinodiwa zvehupenyu hwako. Ronga bhajeti rako.
• Chenjera Nezvikwereti zvepakarepo (Instant Loans): Kunyange chikwereti che Instant Payday Loan chiri nyore kuwana, kazhinji chine mari yemhindu yakakwira uye nguva yekubhadhara ipfupi. Chishandise chete kana uine chokwadi chekuti unogona kuchibhadhara nenguva kuti usawire mumitemo yechirango yakakwira.
• Shandisa Akaundi yePOSB Nenzira Kwayo: Sezvo kuvhura akaundi yePOSB kuchidikanwa kune vanonyorera chikwereti, nyatsoishandisa zvakanaka nekuchengeta mari nekubhadhara mabhiri kuti uvake nhoroondo yakanaka yemari nebhange. Izvi zvinogona kukubatsira mukutenga zvikwereti zvine mitemo iri nani mune ramangwana.

Nekutevedzera mazano aya, unogona kuita sarudzo dzine hungwaru dzezvemari uye kushandisa mabasa ePOSB zvinobudirira kuti usangane nezvinodiwa zvako pasina kuzviisa mumatambudziko emari.