Tinovimba Mawoyo

Nhoroondo uye Chiziviso cheTinovimba Mawoyo muZimbabwe

Kunyange zvazvo zita rekuti Tinovimba Mawoyo ringaita kuti vanhu vazhinji vafunge kambani huru inopa zvikwereti zvema digital, chokwadi ndechekuti Tinovimba Ronald Mawoyo munyori weapp ari ega anogadzira maapp epafoni. Zita rake rakanyanya kubatana neapp ye Instant EcoCash, iyo yakaburitswa paGoogle Play kumavambo kwa2020. App iyi yakagadzirwa nechinangwa chekurerutsa mashandisirwo eEcoCash, kwete kupa zvikwereti.

Hakuna humbowo hweruzhinji hunoratidza kuti Tinovimba Mawoyo akanyoreswa semushambadzi wemari kana kambani inopa zvikwereti kuReserve Bank of Zimbabwe. Anoshanda semunhu ari ega, achitarisira kugadzira nekuvandudza maapp. Hakuna magwaro ekunyoresa kambani kana nhamba dzebhizinesi dzakaratidzwa pachena. Kudzivirira kuvhiringika, zvakakosha kuti vanhu vanzwisise kuti app ye Instant EcoCash ibasa rekubatsira kuita mari, kwete nzira yekuwana zvikwereti.

Bhizinesi rake rinovimba nekupa app yemahara inotorwa nevanhu, iyo inowana mari kuburikidza nezviziviso (in-app ads) zvinoratidzwa mukati meapp. Vashandisi vake vakawanda vari muZimbabwe, kunyanya vanoshandisa Econet neEcoCash. Tinovimba Mawoyo ndiye muridzi wega weapp iyi, uye hapana zvigadziriso zvekambani kana varidzi vanobatana naye paruzhinji.

Zvigadzirwa uye Mabasa Anopiwa neInstant EcoCash App (Kwete Zvikwereti)

Zvakakosha kunzwisisa kuti app ye Instant EcoCash haina kuumbwa kuti ipe zvikwereti zvakadai sezvikwereti zvemunhu (personal loans), zvikwereti zvebhizinesi (business loans), kana zvikwereti zvepayday (payday advances). Chinangwa cheapp iyi ndechekupa nzira inokurumidza uye iri nyore yekushandisa mabasa eEcoCash. Saka, kana uchitsvaga zvikwereti, app iyi haisi iyo nzira yekushandisa.

Mabasa makuru anopiwa neapp ye Instant EcoCash anosanganisira:

• Kutumira Mari: Inokurumidza kutumira mari kune vamwe vanoshandisa EcoCash pasina kudzvanya nhamba dzakawanda.
• Kubhadhara Mabhiri: Inorerutsa kubhadhara mabhiri akasiyana siyana, zvakadai semagetsi, mvura, kana kubhadhara zvikoro.
• Kutenga Airtime neData: Inopa nzira iri nyore yekutenga airtime kana data reEcoCash.
• Kutamisa Mari pakati peEcoCash neBank: Inobatsira kutamisa mari kubva muEcoCash wallet yako kuenda kubhangi kana kubva kubhangi kuenda kuEcoCash.
• Kuona Nhoroondo yeMitambo: Inopa mukana wekuona zvawakaita nemari yako muEcoCash, zvakadai sekutumira, kugamuchira, kana kubhadhara.

App iyi inozivikanwa nekuti inobatsira vanhu kuita EcoCash transactions nekukurumidza, kunyange pasina internet. Izvi zvinodaro nekuti inoshandisa USSD gateway yeEcoCash, izvo zvinoita kuti zvinyatso shanda zvakanaka pasina kuoma.

Mitero, Mari, uye Mitemo (Haisati Yabatana Nezvikwereti)

Sezvo Tinovimba Mawoyo neapp ye Instant EcoCash vasingapi zvikwereti, hapana mitero yechibereko (interest rates), mari dzebasa (fees), kana mitemo yezvikwereti (loan terms) zvavanobhadharisa zvakananga pakuwana mari. Mari dzinobhadharwa nemushandisi dzinoshanda kune EcoCash pachayo, kwete kune app ye Tinovimba Mawoyo.

• Mitero yechibereko: HAPANA, sezvo pasina zvikwereti zvinopihwa.
• Mari dzeapp: App ye Instant EcoCash yemahara kurodha pasi nekushandisa. Mari dzinowanikwa neapp idzi dzinobva pazviziviso zvinoratidzwa (in-app advertising).
• Mari dzeEcoCash: Vashandisi vanoramba vachibhadhara mari dzese dzeEcoCash dzakajairika pakutumira mari, kubhadhara mabhiri, kana kutenga airtime, sezvinongova zvakaita kana ukashandisa EcoCash USSD menu yayo.

Mitemo inoshandiswa paapp iyi ine chekuita nekushandiswa kwayo nekudzivirirwa kwedata reushandisi, kwete nezvekukwereta mari. Mushandisi anofanirawo kunge achitotevera mitemo yese yeEcoCash paanenge achishandisa app iyi.

Maitiro Ekuisa App uye Zvinodiwa Kuti Ushandise

Kushandisa app ye Instant EcoCash kuri nyore uye hakuna zvakawanda zvinodiwa, sezvo isingadi kunyoresa zvakadzama sezvinoita makambani anopa zvikwereti.

Maitiro ekurodha pasi nekushandisa app:

1. Kurodha pasi App: Mushandisi anofanira kutora app ye Instant EcoCash kubva paGoogle Play Store. Inowanikwa chete pafoni dze Android, hapana version ye iOS.
2. Kunyoresa: Kana yaunzwa pafoni, mushandisi anozoisa nhamba yake yeEconet/EcoCash. App inozoibatana neakhawundi yako yeEcoCash iripo. Hakuna KYC (Know Your Customer) inoitwa neapp pachayo; inongo kuvimba neiyo KYC yakaitwa neEcoCash.
3. Kushandisa Mabasa: Mushandisi anogona kutanga kushandisa mabasa akadai sekutumira mari, kubhadhara mabhiri, kana kutenga airtime nekudzvanya kamwe chete.

Zvinodiwa:

• Foni ye Android ine internet connection yekurodha pasi app.
• Nhamba yeEconet/EcoCash yakanyoreswa uye inoshanda.
• Akhawundi yeEcoCash ine mari kana uchida kuita transaction.

Kunyorewa kwemushandisi kunovimba zvachose neEcoCash, saka app ye Tinovimba Mawoyo haina chekuita nekuongorora chikwereti (credit scoring) kana kuongorora kukwereta (underwriting), sezvo isingapi zvikwereti. Kubhadhara mari kunoitika kuburikidza neEcoCash USSD network kana kuburikidza nekubatanidza kubhangi, sezvinoitika kune EcoCash yese.

Chinzvimbo paMusika, Maonero eVatengi, uye Zano kuVanoda Kukwereta

App ye Instant EcoCash ine chinzvimbo chakanaka mumusika wemaapp emari muZimbabwe, kunyanya nekuda kwekureruka kwayo. Inokwikwidzana nemamenu eEcoCash USSD epamutemo, pamwe chete nedzimwe app dzakagadzirwa nevanhu vechitatu dzinobatsirawo neEcoCash. Chinhu chinoiita kuti isiyane nedzimwe ndechekuti inopa mapfupi (shortcuts) ekukurumidza kuita mabasa akajairika eEcoCash, uye inogona kushanda pasina data reinternet.

Maonero eVatengi:

App iyi ine rating ye 4.6 kubva pa 5 nyeredzi paGoogle Play Store, kubva kuma reviews anopfuura 1,600. Vatengi vanoikurudzira nekuti iri nyore kushandisa uye nekuti inoshanda pasina internet. Zvimwe zvichemo zvinoonekwa ndezvekuti dzimwe nguva inokanganiswa kana EcoCash ikachinja masisitimu ayo, uye kuti chimwe chinhu chekuchinja mari (exchange-rates feature) hachishandi.

Tinovimba Mawoyo ari kushingaira kupindura kuma reviews evatengi paGoogle Play, izvo zvinoratidza kuti anokoshesa vatengi vake. Kuti ubate tsigiro, unogona kushandisa email [email protected] kana kuburikidza neapp pachayo.

Chinzvimbo cheMitemo:

Zvakakosha kuramba tichirangarira kuti app ye Instant EcoCash haina mvumo yekupa mabasa ezvemari kana zvikwereti kubva kuReserve Bank of Zimbabwe. Inovimba nemvumo yeEcoCash pachayo. Saka, kune zvikwereti, app iyi haina chero zvisungo zvekuDzingira Mutengi (Consumer Protection) kana nzira dzekugadzirisa matambudziko ezvikwereti.

Zano kuVanoda Kukwereta Mari:

Kana uri kutsvaga chikwereti, zvakakosha kuti uzive kuti Tinovimba Mawoyo neapp ye Instant EcoCash HAVASI vanopa zvikwereti. Pane kudaro, unofanira kutsvaga masangano akanyoreswa anopa zvikwereti zvepamutemo muZimbabwe. Aya anosanganisira:

• Mabhangi: Mabhangi akanyoreswa anopa mhando dzakasiyana dzezvikwereti.
• Masangano eZvikwereti Zvidiki (Microfinance Institutions): Aya masangano akanyoreswa kubatsira vanhu nebhizinesi diki nezvikwereti zvidiki.
• Makambani anopa zvikwereti zvepamufoni akanyoreswa: Mamwe makambani akanyoreswa anopa zvikwereti kuburikidza nemaapp epafoni, asi zvakakosha kuongorora kuti akanyoreswa neRBZ here.

Nguva dzose ita tsvakiridzo yakadzama, verenga mitemo nemamiriro zvakanyatsonaka, uye ita shuwa kuti uri kubatana nesangano rine mvumo (licensed) risati rapa chikwereti. Tinovimba Mawoyo anoshanda zvakanyanya mukurerutsa EcoCash, kwete kupa zvikwereti.