Nhoroondo yeProbfix Holdings neKuvapo Kwayo muZimbabwe
Probfix Holdings, inozivikanwawo seProbfix Financial Services (Pvt) Ltd, ikambani yezvemari yakanyoreswa zviri pamutemo muZimbabwe. Yakavambwa muna Ndira 2022, yakagamuchira rezinesi rekuita basa rekupa mari diki (Microfinance Institution) muna Chikumi 2022, nenhamba yerayisensi 000839. Kuvambwa kwayo kwakauya nechishuwo chekubatsira mukumutsiridza hupfumi hwenyika mushure menguva yakaoma, ichitarisa kupa mari yekushandisa kumabhizinesi madiki nepakati (MSMEs) pamwe chete nezvikwereti zvinobatsira vanhuwo zvavo.
Iyi kambani iri pasi pevaridzi vayo pachavo, avo vakaivamba, uye ruzivo rwakadzama rwevaridzi rusingaburitsirwe pachena. Dare rinotungamira kambani rinosanganisira Mukuru wekambani (C.E.O.) Ringisai Runyowa nevamiriri vevatsigiri vemari. Probfix Holdings ine chinangwa chekubatsira vanhu vazhinji, vachishandisa nzira dzakasiyana-siyana dzekupa zvikwereti. Iyo inotsamira pakupa zvikwereti zvinotapwa kubva pamuhoro kune vashandi vehurumende, vanhu vakarega basa, nevashandi vemakambani akasungwa chibvumirano neProbfix. Ukuwo, inopa zvikwereti zvemapoka evanhu, zvine vanhu vanozvimiririra, izvo zvinoderedza njodzi yekusakwanisa kubhadhara chikwereti.
Chimwe chikamu chakakosha chebhizinesi rayo kushanda munzvimbo dzekurima, ichipa mari dzinobatsira varimi kuburikidza nezvirongwa zvinobatanidza avo vanotenga zvirimwa zvavo. Izvi zvinopa chivimbo chekuti mari ichadzoserwa. Probfix Holdings inoshandisawo network yevamiririri munzvimbo dzakasiyana-siyana dzenyika kuitira kuti isangane nevatengi kure nemahofisi ayo makuru muHarare, ichishandisa vanhu vanoremekedzwa munharaunda kusvitsa mabasa ayo kune vanodiwa.
Zvigadzirwa Zvechikwereti, Mitengo Yemubereko, uye Mirau yeProbfix Holdings
Probfix Holdings inopa zvigadzirwa zvechikwereti zvakasiyana-siyana zvinokwanisa kubatsira vanhu nemabhizinesi zvinangwa zvakasiyana-siyana. Zvigadzirwa zvavo zvinokamurwa muzvikamu zviviri zvikuru:
- Zvikwereti Zvemunhu/Munhu Oga: Izvi zvinosanganisira zvikwereti zvemunguva yekukurumidzira, zvemichato, zvemarufu, zvemari dzechikoro, zvekutenga midziyo, zvemba diki (micro-mortgages), zvekuita zvinyorwa zvepasi (conveyancing), zvemapoka, zvepay-day (zvinobhadharwa kana muhoro wabuda), zvekurenda midziyo (micro-leasing), nezvikwereti zvevatengesi vadiki.
- Zvikwereti Zvemabhizinesi: Izvi zvinosanganisira mari yekushandisa (working capital), debt factoring, order financing, bill discounting, zvikwereti zvekurima, structured finance, invoice discounting, uye micro-leasing.
Mari Dzechikwereti (Amounts), Mitengo Yemubereko (Interest Rates), uye Mirau (Terms)
Probfix Holdings haiburitse pachena mari shoma kana huru yavanopa, asi vanhu vanoisa zvikumbiro zvavo vachitarisa chigadzirwa chavanoda. Ongororo inoratidza kuti zvikwereti zvevanhu zvinowanzoita mari dziri pakati peUSD100 neUSD2,000, nepo zvemabhizinesi zvichigona kubva paUSD500 kusvika paUSD50,000. Izvi zvinongova zvipimo zvisina kusimbiswa zvichitarisa mamwe makambani anopa mari diki muZimbabwe.
Mitengo yemubereko haisi pachena pawebhusaiti yavo. Zvisinei, zvichibva pakuongorora chikamu chemakambani emari diki muZimbabwe, zvinofungidzirwa kuti mitengo yavo yemubereko pagore (APR) inogona kunge iri pakati pe15% ne40%. Nguva dzekubhadhara zvikwereti zvinosiyanawo; zvemuno vanhu zvinogona kubhadharwa mumazuva 30 kusvika kumwedzi 36, nepo zvemabhizinesi zvichibhadharwa mumazuva 30 kusvika kumwedzi 60. Kubhadhara kunogona kuitwa pamwedzi kana kaviri pamwedzi kuburikidza nekutapwa kubva pamuhoro, kuisa mari kubhanga, kana kushandisa mari dzedhijitari dzefoni (mobile money).
Mari Dzekubhadhara (Fees) uye Zvivimbiso (Collateral)
Probfix Holdings inobhadharisa mari dzekugadzirisa chikwereti (origination/processing fees), dzinowanzova 2% kusvika 5% yemari yechikwereti – izvi zvakajairika kumakambani emari diki munyika. Kana munhu akatononoka kubhadhara, panobhadharwa mari yekuranga inogona kunge iri 1% yemari yakatononoka pazuva. Panogonawo kuva nemamwe mari anobhadharwa seinsuranzi kana ekugadzirisa zvinyorwa, asi rondedzero yacho haisi pachena.
Zvekuchengetedza chikwereti (collateral) zvinosiyanawo. Kune zvikwereti zvevanhu, zvinogona kunge zviri chibvumirano chekuti chikwereti chibviswe pamuhoro, chivimbiso kubva kumushandirwi, kana chivimbiso kubva kune rimwe boka. Kune zvikwereti zvemabhizinesi, zvinogona kuva kuchengetedza midziyo (equipment, stock), zvibvumirano zvekutengesa zvinhu zvakabudiswa, kana chivimbiso kubva kune varidzi vekambani.
Maitiro Ekunyora Chikumbiro, Tekinoroji, uye Kubata Vatengi
Probfix Holdings inoita kuti zvive nyore kuti vatengi vasangane nayo kuburikidza nenzira dzakasiyana-siyana dzekunyora zvikumbiro. Vanogona kunyora zvikumbiro mumahofisi avo makuru muHarare kana kuburikidza nevanomiririra kambani vari munzvimbo dzose dzeZimbabwe. Kudivi redhijitari, vanogona kuwana ruzivo rwezvigadzirwa zvavo pawebhusaiti yavo (www.probfix.co.zw) uye kudhawunirodha mafomu ekunyora chikumbiro ari muPDF. Parizvino, Probfix Holdings haina purogiramu yekufoni (mobile app) yakanyoreswa paIOS kana Android.
Zvinodiwa Pakunyora Chikumbiro uye Maitiro Ekugadziriswa Kwechikumbiro
Kuti munhu awane chikwereti kubva kuProbfix, anofanira kuunza magwaro anodiwa nemutemo weKYC (Know Your Customer) anoti: chitupa, humbowo hwekugara (proof of residence), bank statement, tsamba kubva kumushandirwi, uye tax clearance. Kugadziriswa kwezvikumbiro kunoitwa nemaoko, uye zvinowanzotora mazuva maviri kusvika mashanu ebhizinesi kuti chikwereti chiongororwe. Kushanda kwavo kwekuongorora chikwereti kunosanganisira kutarisa kugona kwemunhu kubhadhara kuburikidza nemuhoro wake, kubatana nemushandirwi, zvivimbiso zvemapoka, uye kuchengetedza chikwereti kuburikidza nemabasa ekurima kana ekutengesa. Havana kuburitsa pachena kuti vanoshandisa masystem ekutarisa credit bureau.
Maitiro Ekubudisa Mari uye Kuunganidza Zvikwereti
Mari yechikwereti inogona kubudiswa nenzira dzakasiyana-siyana. Inogona kuendeswa kubhanga remutengi kana kubhanga remushandirwi, kuburikidza nemari dzedhijitari dzefoni (senge Ecocash), kana kubudiswa mari chaiyo kuburikidza nevanomiririra kambani kana mumahofisi avo. Pakuunganidza zvikwereti, nzira huru ndeyekutapwa kubva pamuhoro uye direct debit mandates. Kana izvi zvisingashande, vanoshandisawo vanomiririra kambani kushanyira vatengi, kutumira maSMS kana mameseji eWhatsApp, uye kutora matanho epamutemo kune zvikwereti zvine zvivimbiso.
Kuvapo Kwavo paDhijitari uye Nzvimbo Dzavanosvika
Kunyangwe pasina purogiramu yefoni, Probfix Holdings ine webhusaiti inoshanda inopa ruzivo nezve zvigadzirwa zvavo. Vanoshandisawo masocial media platforms akadai seLinkedIn neInstagram kugovera zviitiko zvavo nezvikurudziro. Probfix Holdings inoshanda munzvimbo dzose gumi dzeZimbabwe kuburikidza nevanomiririra kambani, kunyanya kubva kuhofisi yavo huru muHarare. Vatengi vavo vanosanganisira mabhizinesi madiki nepakati, vashandi vanogamuchira muhoro, vashandi vehurumende, vanhu vakarega basa, varimi vadiki, vatengesi, nevapambevhu vechidiki.
Chimiro Chemutemo, Kukwikwidzana, uye Zano Kune Vari Kuda Kukwereta
Probfix Holdings ikambani inotungamirirwa zviri pamutemo neReserve Bank of Zimbabwe (RBZ), iine rezinesi reMicrofinance Institution nenhamba 000839. Inofanira kutevedzera mitemo yeMicrofinance Act neBanking Act. Parizvino, hapana ruzivo rwekuita kwemutemo kwakatorwa pamusoro payo. Probfix inotevedzera mitemo yekuburitsa mitengo yemubereko uye kuchengetedza ruzivo rwevatengi. Pane nzira dzekugadzirisa zvichemo kuburikidza nehofisi huru uye masocial media platforms.
Kukwikwidzana Kwemakambani uye Chimiro Chayo Pamusika
Probfix Holdings inokwikwidzana nemamwe makambani anopa mari diki muZimbabwe akadai seGetBucks Microfinance, Willbey Solutions, Lion Finance, uye Homelink. Zvinonyatsoitsaurisa kubva kune mamwe makambani ndezvi:
- Kupa zvikwereti zvinotapwa kubva pamuhoro.
- Maitiro ekupa zvikwereti zvemapoka evanhu.
- Kubatsira varimi kuburikidza nezvirongwa zvevalue-chain financing.
- Kutarisa zvigadzirwa zvinobatsira vechidiki.
Kunyangwe ichiverengwa pakati pemakambani gumi epamusoro ane hunyanzvi uye anobatsira vechidiki, Probfix Holdings ichiri diki kana ichienzaniswa nemakambani akareba ari pamusika. Zvirongwa zvavo zveramangwana zvinosanganisira kuwedzera network yevamiririri munyika yose, kuongorora maitiro ekunyora chikumbiro edhijitari, uye kubatana nemakambani anoongorora nhoroondo dzevanhu dzezvemari (credit bureaus). Pane hurongwa hwekuzoburitsa purogiramu yefoni muna 2026.
Mazano Anobatsira Kune Vari Kuda Kukwereta
Kana uchifunga kukwereta mari kubva kuProbfix Holdings kana chero kambani yezvemari, zvinokosha kuti uzive zvinhu zvakati. Ongorora zvakakwana mari yechikwereti, mitengo yemubereko, uye mari dzese dzinobhadharwa. Izvi zvinosanganisira mari dzekugadzirisa chikwereti nemari dzekuranga kana wakanonoka kubhadhara. Ita chokwadi kuti unonzwisisa mirau yese yekubhadhara uye kuti unokwanisa here kubhadhara chikwereti nenguva usati wakumbira. Zvakanaka kuenzanisa zvinopihwa neProbfix Holdings nezvinopihwa nemamwe makambani emari diki muZimbabwe, kuitira kuti usarudze chakanakira iwe.
Kunyange zvazvo Probfix Holdings ichitaridzika seine nzira dzakanaka dzekupa zvikwereti, kunyanya kune vashandi nevarimi, maitiro avo ekunyora nekugadzirisa zvikumbiro achiri kuitwa nemaoko, izvo zvinogona kutora nguva. Kuti udzivise kunonoka, ita chokwadi chekuti wanyatsozadzisa mafomu ese uye wauya nemagwaro ese anodiwa. Usazeze kubvunza mibvunzo yese yaunayo usati wasaina chibvumirano chechikwereti.
