Willbey Solutions

Nhoroondo Yakazara yeWillbey Solutions muZimbabwe

Willbey Solutions (Pvt) Ltd isangano rakavanzika remari diki (microfinance institution) rakawana mvumo yekushanda kubva kuReserve Bank of Zimbabwe (RBZ) muna Mbudzi 2021. Kunyangwe yakavambwa muna 2019, yakatanga kushanda zviri pamutemo mushure mekuwana mvumo iyi. Chinangwa chikuru chekambani iyi ndechekusimudzira hupfumi hweZimbabwe nekupa mukana wekuwana mari (finance) kune vasina kuwanira kubva kumabhanga makuru, zvikuru mabhizinesi madiki nepakati (SMEs) nevashandi vanotambira mihoro.

Kambani iyi inotungamirirwa naManeja Mukuru, VaJoseph Z. Tore, avo vane ruzivo rwakakura mune zvemari. Willbey Solutions inoshandisa nzira yemazuva ano, iyo inonzi "digital-first", zvinoreva kuti inonyanya kuvimba nekushandisa tekinoroji yekombiyuta nefoni kupa masevhisi ayo. Vanoshandisa app rerunhare (mobile application), webhusaiti (web portal), pamwe chete nemahofisi avo akatsemurwa muHarare neKwekwe kupa zvikwereti zvine nguva dzekudzosera dzinosvika kumwedzi makumi maviri nemana (24 months).

Nechiratidzo chekusimudzira ruzivo rwemari nekupa rubatsiro kune vanhu vakawanda muZimbabwe, Willbey Solutions yave imwe yematengesi anokosha munyika, zvikuru kune vari muchikamu chebhizinesi diki nevanhu vane mihoro yakadzikira kana isiri kuwanisa chikwereti kubva kumabhanga makuru.

Mhando dzezvikwereti neMitemo yeWillbey Solutions

Willbey Solutions inopa mhando dzakasiyana dzezvikwereti, zvichikwanisa kuenderana nezvinodiwa nevatengi vayo. Zvikwereti izvi zvinosanganisira:

• Zvikwereti zveMihoro (Salary Based Loans): Izvi zvinopiwa vashandi vanotambira mihoro, zvinodzoserewa kubva pamuhoro wavo. Kazhinji izvi hazvidi vimbiso (collateral) yakakura.
• Zvikwereti zveMabhizinesi (Business Loans): Zvinopiwa mabhizinesi madiki nepakati (MSMEs) kuti avabatsire kukura kana kutanga mapurojekiti matsva.
• Mari diki kumabhizinesi madiki (MSME Finance): Rubatsiro rwemari rwakanangana nemabhizinesi madiki chaizvo.
• Asset Finance: Chikwereti ichi chinobatsira vanhu kana mabhizinesi kutenga zvinhu zvakadai semotokari, michina, kana midziyo yemabhizinesi. Chinhu chacho pachacho chinogona kushandiswa sevimbiso.
• Peer-to-Peer Lending: Kunyangwe ruzivo rwakawanda rusina kuburitswa pachena, izvi zvinoreva kuti vanhu vanogona kukweretesa kana kukweretesa kuburikidza nepuratifomu yeWillbey, asi ichi chiri chimiro chitsva muZimbabwe.

Panyaya yemiwero yemari yekuwedzera (interest rates) nemari dzekubhadhara, Willbey Solutions inopa zvikwereti zvine mwero wepagore wemari yekuwedzera (Annual Percentage Rate – APR) unosvika ku35% pagore. Mwero chaiwo unobva watsamira pamhando yechikwereti, huwandu hwemari, uye chimiro chemukwereti. Nguva dzekudzosera dziri pakati pemwedzi mitatu (3) kusvika makumi maviri nemana (24), izvo zvinopa mukwereti mukana wekusarudza nguva inoenderana nekukwanisa kwake kubhadhara. Kunyangwe mari dzekunyorera (origination fees), dzekugadzirisa mapepa (processing fees), nedzekunonoka kubhadhara (late payment fees) dziripo, huwandu hwadzo hunezve kuongororwa zvakananga kubva kukambani, sezvo dzisina kuburitswa pachena.

Maitiro ekunyorera chikwereti, Mobile App neKushandisa Kwaro

Kunyora chikwereti kuWillbey Solutions kwakareruka uye kunoitwa nenzira dzakasiyana-siyana. Vatengi vanogona kunyorera kuburikidza ne:

• Mobile App: Willbey Solutions ine app inoshanda pamafoni eAndroid, inowanikwa paGoogle Play Store. Iyi app yakatoshandiswa nevanhu vanopfuura mazana mashanu (500+ downloads) uye inopa mukana wekugadzirisa chikwereti, kunyorera, kutarisa nguva dzekubhadhara, kuwana ruzivo rwezvemari, uye kubatana nebasa revatengi.
• Webhusaiti: Pawebhusaiti yavo, willbey.co.zw, vatengi vanogonawo kunyorera chikwereti uye kubhadhara mari dzavo.
• Mahofisi: Kune avo vanofarira kubatana nemunhu kana vasina mukana wekushandisa tekinoroji, Willbey Solutions ine mahofisi muHarare neKwekwe.

Kuti munyorere chikwereti, munodikanwa kutevedzera mitemo yenyika yeZimbabwe yekuziva mutengi wako (Know Your Customer – KYC) uye kurwisa kubira mari (Anti-Money Laundering – AML/CFT). Zvinyorwa zvinodikanwa zvinosanganisira:

• Chitupa chepamusoro-soro (government-issued ID).
• Humbowo hwekugara (proof of residence), hwakadai semvura kana magetsi bhiri risina kupfuura mwedzi mitatu.
• Bank statement isina kupfuura mwedzi mitatu.

Kambani inoita kuongorora kwakadzama kwechikwereti (credit appraisal) nemabasa ekuongorora njodzi (risk assessment) vachitarisa mari inopinda, vimbiso dziripo, uye nhoroondo yemukwereti. Mari yechikwereti (disbursement) inogona kubhadharwa kuburikidza nemabhanga, mobile money, kana kubhadharwa cash pamaofisi avo. App rerunhare rinopa zvikumbiro zvezvikwereti zviri nyore, kutarisa kwemari, zviyeuchidzo zvekubhadhara, uye rubatsiro rwevatengi.

Chimiro cheMutemo, Makwikwi neKushandira Vatengi

Willbey Solutions isangano remari diki rine mvumo yakakwana uye rinotarisirwa neReserve Bank of Zimbabwe (RBZ) kubvira muna Mbudzi 2021. Izvi zvinoreva kuti riri pasi pemitemo nemirau yese yeZimbabwe, kusanganisira mitemo yekurwisa kubira mari nekutsigira hugandanga (AML/CFT). Kambani inotevedzera zvakaomesesa mitemo iyi, ichiita ongororo dzevatengi (customer due diligence) uye kuchengetedza zvinyorwa kwemakore anopfuura mashanu. Kusvika parizvino, hapana ruzivo rwezviito zvemutemo kana zvirango zvakatorerwa Willbey Solutions zvakaburitswa pachena, izvo zvinoratidza kuti vari kutevedzera mitemo.

Kunyaya yekuchengetedzwa kwevatengi, kambani inoyemura pachena mwero wepagore wemari yekuwedzera (APR) kuburikidza neapp yayo uye nemienzaniso yezvikwereti zvavo. Vanochengetedzawo ruzivo rwevatengi (data privacy) nekushandisa encryption kudzivirira ruzivo rwemari pavari kutumirwa, uye havagoverane ruzivo urwu nemamwe mapato asiri iwo.

Munharaunda yezvikwereti muZimbabwe, Willbey Solutions inokwikwidzana nemamwe masangano akaita saMicrohub Financial Services, MoneyMart Finance, GetBucks Microfinance, InnBucks, nePlatinum Micro Finance. Willbey inozvisiyanisa nekusimbisa zvakanyanya pakuva sangano redhijitari rine app riri nyore kushandisa, pamwe nekuisa pfungwa pazvikwereti zvebhizinesi. Kubvira vawana mvumo muna 2021, vakakurumidza kupinda mumusika, kunyangwe huwandu hwemasheya avo (market share) husina kuburitswa pachena. Vanoda kuwedzera mahofisi avo nemabasa avo munyika yese.

Kushandira vatengi kunoitwa kuburikidza nemukana wekubatana neapp, email ([email protected]), uye nhare (+263 716 755 532). Kunyangwe pasina ongororo zhinji dzevatengi dzakaburitswa pachena paGoogle Play, ruzivo rwevanoshandisa zvinoratidza kuti vane kubatana kwakanaka. Zvisinei, kune zvimwe zvinonzi kunonoka kwekugadzirisa zvikwereti pane dzimwe nguva, izvo zvose zvisina kusimbiswa zviri pachena.

Mazano Anoshanda kune Vane Tarisiro yekukwereta mari kubva kuWillbey Solutions

Kune avo vari kufunga kukwereta mari kubva kuWillbey Solutions kana chero sangano remari diki, heano mamwe mazano akakosha:

1. Verenga Zvakanaka Mitemo Yese: Usati wanyora chikwereti, ongorora zvakanaka mitemo nemamiriro ese (terms and conditions). Tarisa APR chaiyo, mari dzekubhadhara dzese (fees), uye nguva dzekudzosera. Kana pane chimwe chinhu chausina kunyatsonzwisisa, bvunza Willbey Solutions kuti vakutsanangurire.
2. Tarisa Kugona Kwako Kudzosera: Nyora mari yaunoziva kuti unokwanisa kudzosera pasina kukanganisa mamwe mabasa ako emari. Usakwerete mari yakawanda kupfuura yaunokwanisa kubhadhara, nekuti kunonoka kubhadhara kunogona kuwedzera mari yekuwedzera.
3. Shandisa App Zvakanaka: Kana uchishandisa app yavo, dzidza kushandisa zvese zvirimo. Iyo app inopa mukana wekutarisa chikwereti chako, nguva dzekubhadhara, uye kuwana ruzivo rwakakosha.
4. Enzanisa NemaKonkura: Usati wanyora chikwereti, tora nguva yekuenzanisa Willbey Solutions nemamwe masangano emari diki muZimbabwe. Tarisa miwero yavo, mitemo yavo, uye masevhisi avo kuti usarudze iyo yakakunakira iwe.
5. Bvunza Kuti Pachadiwa Vimbiso Here: Kune mamwe marudzi ezvikwereti, kunyanya Asset Finance kana zvikwereti zvebhizinesi zvihombe, vimbiso (collateral) inogona kudikanwa. Ziva izvi usati wanyora.
6. Batanidza NeBasa ReVatengi: Kana uine mibvunzo kana matambudziko, usazeza kubatana nebasa revatengi reWillbey Solutions kuburikidza neapp, email, kana foni.

Willbey Solutions inopa mukana wakakura wekuwana mari kune vazhinji muZimbabwe, zvikuru nekuda kwehunyanzvi hwayo hwekutsvaga rubatsiro rwemari kuburikidza nedhijitari. Nekuziva zvizere nezvemashandiro avo uye nekuita sarudzo dzine hungwaru, unogona kubatsirwa nemasevhisi avo zvakanaka.