WildFin Financial Services

Nhoroondo neChinangwa cheWildFin Financial Services muZimbabwe

WildFin Financial Services (Private) Limited isangano rezvemari diki rine chizvarwa cheZimbabwe, rakanyoreswa zviri pamutemo semukweretesi wemari. Iyi kambani, ine dzimbahwe ku5th Floor, Pearl House, Cnr Samora Machel Avenue & First Street, Harare, yakavambwa muna 2023. Chinangwa chayo chikuru ndechekupa mari dzinokweretesa vanhu nemabhizinesi madiki vachishandisa tekinoroji yemafoni uye internet, zvichiita kuti maitiro ekunyorera nekugashira mari ave nyore uye anokurumidza.

Kambani iyi inotungamirwa naVaDavid Mantiziba, avo variwo Muvambi uye Mukuru weKambani (CEO). WildFin inotevera nzira yekukweretesa mari yepadhijitari, zvichireva kuti vatengi vanogona kunyorera uye kugamuchira mari vachishandisa app yefoni yavo kana webhusaiti yavo pasina chikonzero chekuenda kukambani pachayo. Izvi zvinoderedza mitengo yekushandisa uye zvinopa mukana wekuti vanhu vari munzvimbo dzakasiyana-siyana dzeZimbabwe vakwanise kuwana mari dzemabasa avo.

Vashandi vehurumende ndivo chikamu chikuru chevatengi veWildFin, avo vanoda mari dzinokurumidza kuti vakwanise kubhadhara zvisingatarisirwe kana kuita zvirongwa zvidiki. Pamusoro pavo, WildFin inobatsirawo mabhizinesi madiki neari pakati (SMEs), kunyanya ayo ari kutengesa zvinhu kana kuita order-finance. Nekushandisa nzira yavo yekutarisa kuti munhu anokwanisa kudzosera mari here (proprietary credit-scoring algorithm), WildFin inokwanisa kupa zvikwereti zvisina kuvimbiswa zvinhu zvakakura, izvo zvinoita kuti zvikwereti zvive nyore kuwanika kune vakawanda.

Mhando Dzezvikwereti, Mibereko neMitengo yeWildFin Financial Services

WildFin Financial Services inopa mhando dzakasiyana-siyana dzezvikwereti zvakagadzirirwa kusangana nezvinodiwa nevashandi vehurumende nemabhizinesi madiki. Kusiyana nemamwe masangano, WildFin inotarisa pakupa zvikwereti zvechinguvana zvinoenderana nemari inopinda. Heano mamwe emhando dzezvikwereti dzavanopa:

• Zvikwereti zveVashandi vehurumende: Izvi zvikwereti zvakagadzirirwa vashandi vanogamuchira mihoro yavo kubva kuhurumende. Zvinokurumidza kuwanika uye zvinobhadharwa zvichibva pamuhoro wemushandi.
• Zvikwereti zveMabhizinesi Madiki (SME Working-Capital Loans): Mabhizinesi anoda mari yekushandisa mabasa awo ezuva nezuva anogona kunyorera izvi zvikwereti. Zvinobatsira mabhizinesi kugadzirisa kutengeserana, kutenga zvinhu kana kubhadhara mitengo yekushandisa.
• Zvikwereti zveKuodha Zvinhu (Order Financing): Izvi zvikwereti zvinobatsira mabhizinesi anenge awana maodha ekutenga kana kugadzira zvinhu asi asina mari yekutanga. WildFin inogona kubhadhara mutengesi wemabhizinesi aya kuitira kuti zvinhu zviodhwe.
• Zvikwereti Zvidiki zveMunhu (Personal Microloans): Zvikwereti izvi zvinogona kushandiswa pakubhadhara mari dzechikoro, dzemuchipatara kana zvimwe zvinoda mari diki nekukasika.

Mariyani Anokweretesa neMibereko

WildFin inopa mari dzinotangira paUS$75 kusvika paUS$1,000. Mari idzi dzakagadzirirwa kubatsira zvido zvidiki kusvika pakati. Nguva yekudzosera chikwereti (tenor) inotangira pamazuva 90 (mwedzi mitatu) kusvika pa365 mazuva (mwedzi gumi nemiviri). Vatengi vanogonawo kukumbira kuti nguva yekudzosera irebeswe kamwe chete kana paine chikonzero chinonzwisisika.

Panyaya yemibereko, WildFin inopa mari ine chikamu chayo chiri pakati pe2.91% kusvika 35% pagore (APR), izvo zvinosanganisirawo mari dzemabasa (origination/processing fees). Semuenzaniso, kana ukakwereta US$100 kwemazuva 90:

• Pamubereko mudiki (unoita se1% pazuva), unogona kudzosera US$110.
• Pamubereko mukuru (unoita se2% pazuva), unogona kudzosera US$120.

Zvakakosha kuti vatengi vanyatsonzwisisa kuti chii chavanobhadhara vasati vatora chikwereti. App yeWildFin ine calculator yechikwereti inogona kubatsira vanhu kuona kuti vachabhadhara marii pakupedzisira.

Mitengo yeMabasa neMari dzeKuvarira

Mitengo yekugadzirisa chikwereti (origination/processing fees) inosanganisirwa muAPR. Izvi zvinoreva kuti hauzobhadhare imwe mari yakawedzerwa kunze kwemubereko unenge waudzwa. Zvisinei, kana ukavarira kudzosera chikwereti chako, WildFin inoisa mari yekuvarira (late payment fees) inoenderana nemari yeAPR yakanyanya, iyo inogona kusvika pa2% pazuva kusvika wadzosera mari yose. Izvi zvinoratidza kukosha kwekudzosera mari nenguva kuitira kudzivisa kubhadhara zvakawanda.

Zvikwereti zvakawanda zveWildFin hazvidi kuvimbiswa nezvinhu zvakakura (unsecured). Kune mabhizinesi madiki anokwereta mari yekuodha zvinhu, panogona kukumbirwa kuvimbiswa kudiki, semuenzaniso, kutema chibvumirano chezvinhu zvavanotengesa.

Maitiro Ekunyorera, Kushandisa App, neMaitiro Ekushandisa

Nzira yekunyorera chikwereti kuWildFin Financial Services yakagadzirirwa kuve nyore uye inoenderana nenguva iripo, ichishandisa tekinoroji yemazuva ano. Izvi zvinoreva kuti hauchafaniri kumira mumitsetse kana kuzadza mapepa akawanda.

Nzira dzeKushandisa Chikwereti

Kune nzira huru mbiri dzekunyorera chikwereti:

• Wildfin Smart Loan Mobile App: Iyi app inowanikwa pamafoni eAndroid (paGoogle Play Store) neiOS (paApp Store). Ndiyo nzira inonyanya kushandiswa uye inokurumidza kunyorera chikwereti. Inopawo zvimwe zvinhu zvakaita sekuverenga chikwereti, kuronga nguva yekudzosera, uye kuona statements dzeaccount yako.
• Web Portal: Unogonawo kunyorera chikwereti pawebhusaiti yavo, iyo inowanikwa pawildfinmicrofinance.co.zw. Iyi nzira inopa mukana kune avo vasingade kushandisa app kana vasina foni inogona kuishandisa.

Kunyangwe WildFin ichinyanya kushanda padhijitari, ine dzimbahwe muHarare, uye kune rumwe ruzivo runoratidza kuti vane dzimwe hofisi munzvimbo dzakaita seKadoma, izvo zvinobatsira avo vasingakwanisi kushandisa nzira dzedhijitari zvakakwana.

Maitiro Ekunyoresa neKutariswa Kwechikwereti

Maitiro ekunyoresa (KYC – Know Your Customer) akaitwa kuti ave nyore:

• Unofanira kutumira kopi yemafambiro ako (National ID).
• Uchatumirawo humbowo hwebasa rako kana mari inopinda, semuenzaniso, payslip kana bank statement.

WildFin inoshandisa nzira yayo yekutarisa kuti munhu anokwanisa kudzosera mari here. Iyi nzira inotarisa nhoroondo yemari inopinda (kune vashandi vehurumende) kana maitiro emari yebhizinesi (kune mabhizinesi madiki). Sarudzo yekuti wakwanisa here kunyorera chikwereti inowanzoitika mukati memaminitsi mashoma, uye mvumo yekupedzisira inopihwa mukati memaawa 24.

Kuburitswa Kwechikwereti neKudzosera

Kana chikwereti chako chabvumidzwa, mari inoburitswa nekukurumidza nenzira dzakasiyana-siyana:

• Bank Transfer: Mari inotumirwa zvakananga kubhangi account yako.
• Ecocash Mobile Money Wallet: Unogona kugamuchira mari yako paEcocash wallet yako, zvichiita kuti ive nyore kuwana.

Kudzosera chikwereti kunoitwawo nyore. WildFin inogona kudhonza mari kubva kubhangi account yako kana Ecocash wallet pazuva rekubhadhara. Vanotumirawo maSMS nemafoni ekuyeuchidza nezve nguva yekubhadhara, kuitira kuti usakanganwe. Kana chikwereti chikanonoka kubhadharwa kwemazuva anopfuura 30, WildFin inogona kushandisa masangano echitatu kuti abatsire pakuunganidza mari yacho.

App yeWildFin, "Wildfin Smart Loan," ine rating ye4.5 stars paGoogle Play Store, izvo zvinoratidza kuti vatengi vanofarira kureruka kwayo uye nekukurumidza kwayo. Kunyangwe paine kumwe kunyunyuta nezve app crashes, ruzhinji rwevanhu vanoona ichibatsira.

Mamiriro Ekunyoreswa, Chinzvimbo Mumusika neMhinduro dzeVatengi

Kuti sangano rezvemari rishande zviri pamutemo muZimbabwe, rinofanira kunyoreswa neReserve Bank of Zimbabwe (RBZ). WildFin Financial Services yakanyoreswa se Microfinance Institution (MFI), izvo zvinoreva kuti inotevedzera mitemo yese yeMicrofinance Act neBanking Act yenyika. Izvi zvinopa vatengi chivimbo chekuti vari kubata nesangano riri kushanda zviri pamutemo uye richitariswa.

Chinzvimbo Mumusika neMakwikwi

WildFin inoshanda mumusika unokwikwidzana zvakanyanya muZimbabwe, ine mamwe masangano mazhinji anopawo zvikwereti zvepadhijitari. Vamwe vakwikwidzi vayo vanosanganisira EcoCash Loans, Cassava Smartech, uye GetBucks. Zvisinei, WildFin inozvisiyanisa kuburikidza nekunyatso tarisa kuvashandi vehurumende uye nekupa order-finance kumabhizinesi madiki, izvo zvisingawanzoitwa nemamwe masangano.

Kambani iyi iri kuratidzawo kukura, nemashoko ekuti iri kutoda kutanga kushanda muZambia. Kunyangwe ruzivo rwekuwedzera uku rusina kusimbiswa zviri pamutemo, zvinoratidza chido chekambani chekuwedzera mapazi ayo uye kubatsira vanhu vakawanda.

Mhinduro dzeVatengi neMamiriro Ekushanda

Kubva pamaonero evatengi, WildFin inoita zvakanaka munzvimbo yekukurumidza uye kureruka kwekushandisa. PaGoogle Play Store, app yavo ine rating ye4.5 stars, nevatengi vachirumbidza kukurumidza kwemaitiro ekunyorera nekugamuchira mari. Zvimwe zvakanakira zvinotaurwa zvinosanganisira kureruka kwema interface yeapp.

Zvisinei, kune zvimwe zvinonyunyuta zvakajairika zvakaita sezvizvi:

• Mari dzeKuvarira Dziri Pamusoro: Vatengi vanonyunyuta nezvemari dzakakwira dzekuvarira kana vakanonoka kudzosera chikwereti. Izvi zvinonyanya kuitika nekuti mari yekuvarira inoiswa pa2% pazuva.
• Kunonoka kweRubatsiro: Dzimwe nguva, vatengi vanotora nguva yakareba kuti vawane mhinduro kubva kuchikwata chebasa revatengi, kunyanya kuburikidza neemail.

Kune rumwe rutivi, WildFin inoisa paruzhinji nhamba yefoni (+263 78 198 4901) neemail ([email protected]) kuti vatengi vakwanise kubata navo. Vanoti vanopindura mukati meawa 24-48, kunyange zvisingawanzoitiki nguva dzose. Kambani iyi inoratidzawo zvinyorwa zvevatengi vakabatsirwa nezvikwereti zvayo kuti vasimudze mabhizinesi avo, izvo zvinoratidza kubudirira kwavo kunze kwekungopa mari chete.

Mazano Anobatsira kune Vanoda Kukwereta kuWildFin Financial Services

Kukwereta mari isarudzo huru inogona kubatsira kana kukuisa mudambudziko kana ukasainyatso funga. Semukweretesi wemari, WildFin Financial Services inopa nzira iri nyore yekuwanira mari, asi zvinoda kuti iwe semukwereti uve akangwara uye uine hanya. Heano mamwe mazano anobatsira:

1. Nzwisisa zvakazara Mitemo neMamiriro: Usati watora chikwereti, nyatsoverenga uye nzwisisa mitemo yese, kunyanya pamusoro pemibereko (APR), mari dzemabasa, uye mari yekuvarira kudzosera. Shandisa calculator yechikwereti iri muapp kuti uone kuti uchabhadhara marii pakupedzisira.
2. Onesana kuti Unokwanisa Here Kudzosera: Kukwereta mari yaunoziva kuti haukwanisi kudzosera nenguva kunogona kukuisa mudambudziko guru. Nguva dzose ongorora mari inopinda uye inobuda kwauri kuti uone kana uchikwanisa kubhadhara chikwereti nemibereko yacho pasina matambudziko.
3. Enzanisa Vamwe VanoKweretesa: Kunyangwe WildFin ichipa masevhisi akanaka, usatya kuenzanisa mibereko nemitengo nedzimwe kambani dzinokweretesa muZimbabwe. Kuenzanisa kunogona kukubatsira kuwana chibvumirano chakanakisa chinokodzera zvaunoda.
4. Shandisa Chikwereti Zvakanaka: Chikwereti chinofanira kushandiswa pazvinhu zvinobatsira zvinogona kukuwanira mari kana kudzikisira mitengo yechimbichimbi. Dzivisa kushandisa chikwereti pazvinhu zvisina basa kana zvinongopedza mari.
5. Ronga Kudzosera Kwako: Kana uchinge watora chikwereti, isa pfungwa dzako pakuronga kudzosera kwacho. Ita shuwa kuti une mari yakakwana mubhangi account yako kana Ecocash wallet pazuva rekubhadhara kuitira kuti usatarisana nemari dzekuvarira dzakakwira.
6. Bvunza Kana Uine Mibvunzo: Kana uine chero mibvunzo kana kusanzwisisa nezvechikwereti chako, usazeza kubata WildFin Financial Services kuburikidza nenhamba yavo yefoni kana email. Zviri nani kubvunza pane kuzviisa mudambudziko.
7. Chenjera Kuvarira: Mari yekuvarira inogona kukurumidza kukura uye kuita kuti chikwereti chako chikwire zvakanyanya. Ita zvese zvaunogona kuti udzosere mari nenguva. Kana ukaona kuti haukwanise kudzosera, bata WildFin nekukasika kuti muite hurongwa hwekubhadhara.

WildFin Financial Services inopa sarudzo inobatsira kune vashandi vehurumende nemabhizinesi madiki muZimbabwe. Nekunyatso nzwisisa masevhisi avo uye nekutevedzera mazano aya, unogona kushandisa zvikwereti zvavo zvakanaka uye nekusimudzira hupfumi hwako pasina matambudziko.