Steward Bank

Nhoroondo neChinyorwa cheSteward Bank

Steward Bank Limited ibhanga remafambisirwo emari rakatanga basa rayo sefinance house musi wa 9 Gumiguru 1970. Nekufamba kwenguva, rakakwira chinzvimbo richitanga kushanda sebhanga re commercial banking muna Kurume 2008. Mushure mezvi, muna Ndira 2013, Econet Wireless Zimbabwe Ltd yakatenga zvese zvigove zvinosvika 100% zvaTN Bank Limited, raive zita rayo rapfuura. Mushure mekutengwa uku, bhanga iri rakanzi Steward Bank musi wa 3 Chikunguru 2013, richiva chikamu chakazara cheEconet Wireless Zimbabwe Ltd, iyo pachayo iri pasi peEconet Wireless Global.

Bhanga iri rine dzimbahwe raro pa 79 Livingstone Avenue, muHarare, uye rinoshanda sebhanga repakati pakukura rinopa masevhisi kune veruzhinji nemakambani akasiyana-siyana. Steward Bank rakatenderwa kushanda neReserve Bank of Zimbabwe pasi pemutemo weBanking Act uye riri nhengo yeDeposit Protection Corporation. Chinangwa charo chikuru ndechekupa masevhisi ebhanga anoshandisa nharembozha, achikwanisa kusvika kune vanhu vazhinji nemitengo yakaderera. Bhanga iri rine tarisiro yakakura yekusvitsa masevhisi emari kune vanhu vasina kwanisa kuwana masevhisi ebhanga kare, kusanganisira vari kumaruwa, vane mabhizinesi madiki asina kurongeka, nevanhu vasina kubatsirwa zvakakwana nemamwe mabhanga.

Pamusoro peizvi, Steward Bank inotungamirirwa neboka revatungamiriri vane ruzivo rwakakura. Sachigaro webhodhi ndiVaBernard Chidzero (Vasiri-Executive), mukuru webhanga (Chief Executive Officer) ndiVaCourage Mashavave kubva muna Kukadzi 2020. Mumwe wevatungamiriri vakakosha ndiVaCleopas Kadzimu (Chief Operating Officer) naVaTatenda "Geeny" Geeny (Chief Financial Officer). Hutungamiriri uhu ndihwo huri shure kwekuvandudzwa kwemasevhisi ebhanga iri.

Zvikwereti Zvinopihwa neMitengo Yacho

Steward Bank inopa zvikwereti zvakasiyana-siyana zvakagadzirirwa kusangana nezvinodiwa nevatengi vayo vakasiyana. Mitengo nemitemo yezvikwereti izvi inosiyana zvichienderana nerudzi rwechikwereti. Pazasi pane tsanangudzo yezvimwe zvezvikwereti zvavo zvakakosha:

a. KaShagi Personal Nano Loan

• Vatsvagi: Vanhu vane maakaunti eEcoCash kana Steward Bank.
• Mari yechikwereti: Inotangira paUSD 5 kusvika paUSD 300.
• Nguva yekudzosera: Mazuva makumi matatu (30).
• Mari yekubata (Handling fee): 15% yemari yakakweretwa, inotorwa pakarepo.
• Rendi (Interest): Hapana.
• Chirango chekunonoka: 5% yemari yakakweretwa pamwe nechirango chemazuva apfuura, pamunhuwa pazuva rawanonoka.

b. EcoCashLoan$ Emergency Micro-credit

• Vatsvagi: Vatengi veEcoCash$ave vane nhoroondo yekuchengetedza mari inopfuura mwedzi mitatu.
• Mari yechikwereti: Inotangira paUSD 5 kusvika paUSD 300.
• Nguva yekudzosera: Mazuva makumi matatu (30).
• Mari yekubata (Handling fee): 5% yemari yakatenderwa.
• Rendi (Interest): Hapana.
• Chirango chekunonoka: 8% yemari isina kubhadharwa panguva.

c. Civil Servants USD Loan

• Vatsvagi: Vashandi vehurumende yeZimbabwe.
• Mari yechikwereti: Inosvika kuUSD 2,500.
• Nguva yekudzosera: Kusvika kumwedzi makumi maviri nemana (24), inodzoswa kuburikidza nekuchekwa pamuhoro mwedzi nemwedzi.
• Rendi (Interest rate): Mitengo yakakwikwidza inosiyana zvichienderana nemari yakakweretwa.
• Chivimbiso (Collateral): Hapana.
• Kushanda: Kunodiwa kutumira email ku [email protected]; mari inobuda mukati memaawa makumi manomwe nemaviri.

d. Zvikwereti zveMabhizinesi neBank Guarantees

Steward Bank inopawo zvikwereti zvakakura kumabhizinesi madiki nemakuru, kusanganisira:

• Zvikwereti zveKushandisa Mari kana Overdrafts: Nguva yekudzosera inosvika kumwedzi gumi nemiviri (12); rendi inotangira pa10% pagore; mari yekuronga (arrangement fee) 2%.
• Asset Finance: Mari yekutenga zvinhu zvakaita semichina kana mota; nguva yekudzosera makore matatu kusvika mashanu; rendi inosvika ku10% pagore; mari yekuronga 2%.
• Commercial Mortgages: Zvikwereti zvekuvaka kana kutenga zvivakwa zvebhizinesi; nguva yekudzosera inosvika kumakore gumi; rendi inosvika ku8.5% pagore.
• Bid Bonds neGuarantees: Mari dzinosiyana pamhindu yega yega.
• Mari dzeRubatsiro (Credit lines) kune Vanoita Zveutano, Renewable Energy neVatengesi Vechibukira: Mari inosvika kuUSD 100 miriyoni kusvika kuUSD 150 miriyoni; rendi isingadariki 10% pagore; nguva yekudzosera makore mashanu kusvika gumi.

e. Mari Dzekubata neZvivimbiso (Fees & Collateral)

Mari dzekubata zvikwereti (loan origination/arrangement fees) dzinotangira pa2% kusvika pa10% dzichisiyana zvichienderana nerudzi rwechikwereti. Mari dzekugadzirisa nekuita sevhisi (processing & service fees) dzinoratidzwawo, semuenzaniso, mari yekuchengetedza akaunti yebhizinesi inosvika USD 2 kusvika USD 10 pamwedzi. Zvirango zvekunonoka kubhadhara zvinotangira pa5% kusvika pa8% zvichienderana nerudzi rwechikwereti. Pamusoro peizvi, zvivimbiso (collateral) hazvidiwi pazvikwereti zveKaShagi, micro-credit ne zvevashandi vehurumende, asi zvinodiwa pazvikwereti zvebhizinesi zvakakura, sekushandisa zvinhu zvakatengwa kana zvivakwa.

Mashandiro uye Tekinoroji

Steward Bank inozivikanwa nemashandiro ayo anoshandisa zvizere tekinoroji, zvikuru nharembozha, kuti zvive nyore kuvatengi vayo. Izvi zvinobatsira mukukurumidza kupa masevhisi nekuita kuti asvike kune vanhu vazhinji.

a. Maitiro Ekushanda neKukumbira Chikwereti

• USSD yeNharembozha: Vatengi vanogona kushandisa kodhi *236# kuvhura akaunti yeSteward Bank kana *151# yeEcoCash. Aya makodhi anobatsira pakukumbira KaShagi, kutarisa muganho wechikwereti, nekudzosera mari yechikwereti munguva pfupi.
• Nzira dzeDigital: Bhanga rine maapplication maviri makuru: Square Omni-Channel App (inowanikwa paIOS neAndroid) ne SB Visa App. Rinewo nzvimbo yekubhengi online (online banking portal).
• Nzvimbo Dzekubatira: Kunyangwe bhanga richinyanya kushandisa tekinoroji, rinewo mapazi anopfuura makumi mana neshanu (45) nezvitoro zveEconet munyika yose, zvinobatsirawo vatengi.

b. KYC neUnderwriting

Kuti bhanga rikurumidze kupa masevhisi, rinoshandisa ruzivo rwunobva pakunyoreswa kweSIM khadhi yeEcoCash (zita, kero, ID) kuvhura maakaunti nekukasira. Kuti riwane chokwadi chekuti munhu anokwanisa kudzosera chikwereti, Steward Bank inoshandisa zvirongwa zvemukati (proprietary credit-scoring algorithms) zvinotarisisa nhoroondo yemari yemutengi, mashandisirwo enharembozha, nenguva yekuchengetedza mari. Izvi zvinobatsira mukutarisa njodzi (risk modeling) nekukurumidza.

c. Kubudisa neKudzosera Mari

Mari yechikwereti inoburitswa nekukasira, kazhinji isingadariki masekondi makumi matanhatu. Inogona kuendeswa kuEcoCash wallet, kuSteward Bank account, kana kubudiswa neRTGS. Kudzosera chikwereti kunoitwawo zviri nyore, kuburikidza nekuchekwa otomatiki kubva kuEcoCash wallet, kuchekwa pamuhoro, kana kubhadhara zvakananga. Kana munhu anonoka kubhadhara, bhanga rine nzira dzekumuudza, kusanganisira maSMS ekumuyeuchidza, kubatana nevanhu vari pacall centre, uye kana zvakakodzera, kushandisa nzira dzemutemo.

d. Mobile App neDigital Presence

Maapp eSteward Bank akakosha pakupa masevhisi ebhanga. Square Omni-Channel App inobvumira vatengi kutarisa akaunti yavo, kubhadhara mari, uye kukumbira zvikwereti. App iyi ine marating akanaka, iine avhareji ye4.2 paApp Store ne4.1 paGoogle Play. Pane zvakare SB Visa App inobatsira kudzora makadhi epaprepaid, kutarisa mhindu dzemari, nekubata mari yakaiswa pakadhi.

e. Kusvika Kune Vatengi neNzvimbo Dzinobatira

Steward Bank inokwanisa kusvika kune vatengi munyika yose kuburikidza nevaamisha veEcoCash, vanosvika vanopfuura mamiriyoni mashanu. Bhanga iri rine mapazi mumadhorobha makuru uye rinoedza kusvitsa masevhisi kune vanhu vari kumaruwa kuburikidza neagent banking. Rine vatengi vanopfuura mamiriyoni maviri vane mari dzakachengetedzwa, uye rine simba guru pakati pevatengesi vasina kurongeka, vashandi vehurumende, mabhizinesi madiki (SMEs), nevanhu vanoita zvekurima.

Mamiriro Emusika neMhinduro dzeVatengi

Steward Bank yakagadzira nzvimbo yakasimba mumusika webhengi muZimbabwe, zvikuru nekuda kwekusiyana kwayo nemamwe mabhanga.

a. Nzvimbo muMusika neVakwikwidzi

Bhanga iri riri pakati pemabhanga mashanu epamusoro muZimbabwe maererano nehuwandu hwemari (capitalization) nehuwandu hwevanhu vane mari dzakachengetedzwa. Rinotungamira pakupa zvikwereti zvemadhijitari zvidiki (digital micro-credit). Vakwikwidzi vayo vakuru vanosanganisira mabhanga akaita seCBZ Bank, FBC Bank, Standard Chartered, neFirst Capital. Zvinonyanya kusiyanisa Steward Bank nevamwe ndiko kubatana kwayo neEconet Wireless, zvikwereti zvinobuda nekukasira kuburikidza nenharembozha, uye chinangwa chayo chekusvitsa masevhisi emari kune vanhu vasina kuwana rubatsiro kare. Bhanga iri rine hurongwa hwekuwedzera vaamisha varo, kutanga nzira ditsva dzebhangi dzinenge dzisina vanhu (neo-bank model), uye kutsvaga kubatana nemamwe mabhanga epasi rose mune zvemadhijitari.

b. Mhinduro dzeVatengi neZvaungatarisira

Marating emaapp eSteward Bank anonyanya kuratidza zvakanaka, aine avhareji inodarika 4.0. Vatengi vanorumbidza kukurumidza kwezvikwereti zveKaShagi nekureruka kwekuvhura akaunti uchishandisa nzira dzedigital. Zvisinei, pane zvichemo zvishoma zvine chekuita nekunonoka kwenguva nenguva kweUSSD, kuvimba nemobile network, nemari dzekubata (handling fees) dzeKaShagi. Bhanga iri rine call centre inoshanda maawa makumi maviri nemana pazuva, mazuva manomwe pasvondo, rubatsiro pamapazi, uye nzira dzekugadzirisa matambudziko online. Pane nyaya dzakawanda dzinoratidza kubudirira, sekubatsira vakadzi vari kumaruwa nevechidiki kuti vawane mari kuburikidza neKaShagi, pamwe nekuwedzera kukura kwemabhizinesi madiki kuburikidza nemasevhisi ebhanga kune mabhizinesi aya.

c. Mamiriro Emari

Steward Bank yakaratidza kuita zvakanaka munyaya dzemari. Mukati mehafu yekutanga yegore ra2022, bhanga iri rakawana purofiti yekushandisa (operating profit) inosvika ZWL 25.8 bhiriyoni, kuwedzera kwe223%. Purofiti isati yatorwa mutero (profit before tax) yakasvika ZWL 6.3 bhiriyoni, kuwedzera kwe385%. Muna Kukadzi 2017, huwandu hwemari yayo (total assets) hwaisvika USD 226 miriyoni. Muna 2012-2013, Econet yakaisa mari inosvika USD 75 miriyoni mubhanga iri kuti iritsigire uye rifukidze zvikwereti zvisina kubhadharwa zvinosvika USD 28 miriyoni. Zvikwereti zvidiki zvakaburitswa kumabhizinesi madiki nemapakanura zvakasvika ZWL 2.8 bhiriyoni kune vanhu 903,000 muna 2023, kuwedzera kwe180% pagore. Bhanga iri rine huwandu hwezvikwereti zvisina kubhadharwa (non-performing loans) hunosvika 2.3%, hwakaderera pane 5% inotenderwa nemitemo. Izvi zvinoratidza hutungamiriri hwakanaka hwezvikwereti.

Zano Kuvatsvagi vezvikwereti

Sezvo Steward Bank iri kupa masevhisi akawanda uye akakosha, zvinokosha kuti avo vanoda kukwereta mari vave neruzivo rwakakwana vasati vaita chisarudzo. Pazasi pane mamwe mazano akakosha:

1. Nzwisisa Mitemo neMitengo: Usati wakwereta, verenga zvakadzama mitemo yese, mitengo yekubata mari (handling fees), nemari dzechirango dzekunonoka kubhadhara. Chikwereti cheKaShagi, kunyangwe chisina rendi, chine mari yekubata inosvika 15%, inotorwa pakarepo. Izvi zvinoreva kuti unofanira kunzwisisa kuti chii chauri kubhadhara.
2. Ongorora Kugona Kwako Kudzosera: Usambokwereta mari yausingakwanise kudzosera. Tarisa kuti mari inokubhadhara pamwedzi inogona here kudzosera chikwereti pasina kukanganisa hupenyu hwako. Kwemari dzakadai seCivil Servants USD Loan, iyo inochekwa pamuhoro, ita chokwadi kuti mushure mekuchekwa uchine mari yakakwana.
3. Shandisa Nzira dzeDigital: Steward Bank yakanyanya kugadzirirwa kushandisa nharembozha nemaapp. Shandisa Square Omni-Channel App kana USSD kodhi (*236# kana *151#) kukumbira zvikwereti, kutarisa muganho wako, nekubhadhara. Izvi zvinokurumidza uye zvinonyanya kureruka.
4. Chengetedza Mari muEcoCash$ave: Kana uchida chikwereti cheEcoCashLoan$, ita chokwadi kuti une nhoroondo yekuchengetedza mari muEcoCash$ave kwemwedzi mitatu kana kupfuura. Izvi zvinowedzera mukana wako wekuhwina chikwereti.
5. Gadzirira Zvivimbiso zveZvikwereti zveMabhizinesi: Kana uchitsvaga zvikwereti zvebhizinesi zvakakura, gadzirira zvinyorwa zvako zvakakwana uye zvivimbiso zvakakodzera (zvakadai semichina, midziyo kana zvivakwa). Ita chokwadi zvakare kuti une hurongwa hwebhizinesi hwakasimba hunoratidza kuti chikwereti chichashandiswa sei uye kuti chichadzoserwa sei.
6. Funga nezveKubatana kweEcoCash neSteward Bank: Chimwe chezvinhu zvakakosha paSteward Bank kusanganiswa kwayo neEcoCash. Izvi zvinopa mukana kune vanhu vasina kuwana masevhisi ebhanga kare. Kana uri munhu ari mubasa risina kurongeka kana ari kumaruwa, izvi zvinogona kukubatsira zvikuru.
7. Enzanisa nevakwikwidzi: Kunyangwe Steward Bank ichipa masevhisi akanaka, zvinokoshawo kutarisa zviri kupihwa nemamwe mabhanga muZimbabwe. Tarisa mitengo yavo, mitemo, uye kureruka kwekushanda kuti uwane chikwereti chakanakira iwe. Zvisinei, Steward Bank inonyanya kukunda pakukurumidza kupa zvikwereti zvidiki uye mukuedza kwayo kusvitsa masevhisi kune vanhu vazhinji.

Nekutevera mazano aya, unogona kuita sarudzo dzakanaka uye kuwana rubatsiro rwemari runokodzera zvaunoda kubva kuSteward Bank.