Nhanganyaya uye Nhoroondo yeYambukai Finance muZimbabwe
Yambukai Finance Private Limited isangano remari rinokweretesa chete rine rezinesi rakazara kubva kuReserve Bank of Zimbabwe. Rakavambwa mugore ra2000, Yambukai Finance rave richishanda mukupa rubatsiro rwemari kune vanhu vanoda kusimudzira hupenyu hwavo kana mabhizinesi avo madiki. Pakutanga raive richizivikanwa seYambukai Holdings Private Limited, asi rakazochinja zita muna Chikumi 2000 kuti rive Yambukai Finance Private Limited. Chinangwa chikuru chesangano iri ndechekusvitsa mabasa emari kune avo vasingawanzo kuwanikwa nemabhangi makuru, zvikuru muzvikamu zvemataundi nemumaruwa.
Kubvira mugore ra2022, Yambukai Finance yakawana rubatsiro rukuru kubva kuLOLC Group, sangano hombe rekuSri Lanka rine zvinzvimbo zvakasiyana siyana munyika dzinopfuura makumi maviri neshanu. LOLC Group yakawana 70% yemasheya eYambukai Finance, ukuwo 30% yasara ichichengetwa nevanodyidzana navo vemuZimbabwe. Kubatana uku kwakapa Yambukai Finance mukana wekuwana ruzivo rwekunyika dzimwe uye tekinoroji yepamusoro, izvo zviri kubatsira mukuvandudza mabasa avo nekusvitsa rubatsiro kune vanhu vakawanda. Parizvino, Yambukai Finance ine mapazi gumi akapararira munyika, achiedza kusvitsa mabasa kune vese vane mihoro, varidzi vemabhizinesi madiki, nevanopihwa penjeni, kusanganisira avo vari muzvikamu zvine mari shoma.
Vatungamiriri vakuru vesangano iri vanosanganisira Muzvinabhanga Tawanda Marongwe saSabhuku, VaEilex Muzvondiwa saManaging Director, VaNalaka Fernando saGeneral Manager, uye VaDominic Gumbo saBusiness Development Manager. Kubatana neLOLC Group zvakare kwakaita kuti VaRohana Kumara, mutungamiriri weLOLC mudunhu reAfrica, ave chipangamazano wemazano, achipa ruzivo rwakakosha mukutungamira nekukura kwesangano.
Zvipo Zvemari neMabasa eYambukai Finance
Yambukai Finance inopa huwandu hwakasiyana hwezvikwereti hwakagadzirirwa kusangana nezvinodiwa zvakasiyana zvevatengi vavo. Zvikwereti izvi zvinosanganisira zvikwereti zvevane mihoro, zvikwereti zvekusimudzira mabhizinesi, zvikwereti zvevanopihwa penjeni, zvikwereti zvisina mari yemubereko kune vanotenga kubva kune vamwe vanodyidzana navo, uye mari yekubhadhara inishuwarisi. Pazasi pane tsananguro yakadzama yechimwe nechimwe chezvikwereti izvi, pamwe chete nemari yemubereko, zvitemo, uye zvimwe zvine chekuita nazvo. Zvakakosha kuyeuka kuti mari idzi nezvikamu zvemubereko zvinongova zviratidzo chete uye zvinogona kuchinja; zvinokurudzirwa kuti vanoda kukwereta vabvunze zvakananga kuYambukai Finance kuti vasimbise zvakatemwa panguva yekunyorera.
- Zvikwereti zveVane Mihoro: Zvikwereti izvi zvakagadzirirwa vanhu vanogamuchira mihoro nguva dzose.
- Mari Inokwereteswa: Kubva paZWL 5,000 kusvika kuZWL 500,000 (kana kuti pamwe neUSD 10 kusvika kuUSD 1,000 zvichienderana nekutsinhana kwemari).
- Mari Yemubereko: Inotangira pa5% kusvika ku15% pamwedzi (kana kuti 60% kusvika ku180% pagore).
- Zvitengo Zvekubhadhara: Kubva pamwedzi mitanhatu kusvika makumi maviri nemana.
- Mari dzeMabasa: Mari yekunyorera (processing fee) i2% yemari yakakweretwa. Kana ukanonoka kubhadhara, unobhadhara mari yekuwedzera inosvika 5% yemari yawakakwereta. Zvinyorwa zvinodiwa zvinosanganisira payslip uye muveji (guarantor).
- Zvikwereti zveMabhizinesi: Zvikwereti izvi zvakagadzirirwa varidzi vemabhizinesi madiki neepakati.
- Mari Inokwereteswa: Kubva paZWL 50,000 kusvika kuZWL 2,000,000 (kana kuti pamwe neUSD 100 kusvika kuUSD 4,000).
- Mari Yemubereko: Inotangira pa3% kusvika ku10% pamwedzi (kana kuti 36% kusvika ku120% pagore).
- Zvitengo Zvekubhadhara: Kubva pamwedzi mitatu kusvika gumi nemiviri.
- Mari dzeMabasa: Mari yekunyorera (origination fee) i1% kusvika ku3% yemari yakakweretwa. Chivimbiso chingave midziyo yebhizinesi uye/kana muveji.
- Zvikwereti zveVanopihwa Penjeni: Zvikwereti zvakanangana nevanhu vanowana penjeni.
- Mari Inokwereteswa: Kubva paZWL 5,000 kusvika kuZWL 200,000 (kana kuti pamwe neUSD 10 kusvika kuUSD 400).
- Mari Yemubereko: Inotangira pa2% kusvika ku8% pamwedzi (kana kuti 24% kusvika ku96% pagore).
- Zvitengo Zvekubhadhara: Kusvika pamwedzi gumi nemiviri.
- Mari dzeMabasa: Mari yekunyorera i1% yemari yakakweretwa. Hachidi chivimbiso kunze kwebhuku remapepa epenejoni.
- Zvikwereti Zvisina Mari Yemubereko (Zero Interest Rate Loans): Zvikwereti izvi zvinowanikwa kune vanotenga kubva kune vamwe vadyidzani veYambukai Finance.
- Mari Inokwereteswa: Zvichienderana nezvinhu zvinenge zvichitengwa kubva kuvadyidzani, asi munyoreri anofanira kubhadhara 30% kusvika 50% yemari yechinhu chacho sedhipoziti pakutanga.
- Mari Yemubereko: 0% kana yasimbiswa kubhadhara mukati memwedzi mitatu.
- Zvitengo Zvekubhadhara: Mwedzi mitatu.
- Mari dzeMabasa: Dhipoziti inosvika 30% kusvika 50% yekutenga. Inishuwarisi uye humbowo hwechitupa zvinodiwa.
- Mari Yekubhadhara Inishuwarisi (Insurance Premium Financing): Zvikwereti zvekubhadhara mari yeinishuwarisi.
- Mari Inokwereteswa: Kubva paZWL 10,000 kusvika kuZWL 500,000 (kana kuti pamwe neUSD 20 kusvika kuUSD 1,000).
- Mari Yemubereko: Inotangira pa0% kusvika ku5% pamwedzi (kana kuti 0% kusvika ku60% pagore).
- Zvitengo Zvekubhadhara: Kusvika panguva inishuwarisi yacho inofanira kubhadharwa.
- Mari dzeMabasa: Inishuwarisi uye chibvumirano cheinishuwarisi chine mutemo wakanaka zvinodiwa. Mari yekunyorera i1% yemari yakakweretwa.
Maitiro Ekunyorera, Tekinoroji uye Mitemo
Maitiro ekunyorera zvikwereti kuYambukai Finance akagadzirwa kuti ave nyore uye anowanikwa kune vanhu vakasiyana-siyana. Munyoreri anogona kunyorera zvikwereti achishandisa nzira dzakasiyana.
Nzira dzeKushandisa
- Webhusaiti: Yambukai Finance ine webhusaiti yakagadzirwa zvakanaka (www.yambukaifinance.co.zw) inogona kushandiswa pafoni kana kombiyuta. Pane fomu rekunyorera pamhepo (online enquiry form) rinogona kuzadzwa nevanoda kukwereta.
- Mapazi: Sangano iri rine mapazi gumi akapararira mumaguta makuru akadai seHarare, Bulawayo, Mutare, Gweru, Masvingo, Kwekwe, Chitungwiza, Marondera, neGokwe. Vanhu vanogona kushanyira mapazi aya kuti vanyorere zvikwereti.
- Email neFoni: Vanhu vanogona zvakare kutumira maemail [email protected] kana kufona panhamba +263 787 825 749 kuti vawane rumwe ruzivo kana kunyorera.
Zvinyorwa Zvinodiwa
Kuti munyoreri agone kunyorera chivereti, anofanira kuunza zvinyorwa zvinotevera:
- Chitupa (national ID kana passport).
- Humbowo hwemari (payslip kana bank statement).
- Humbowo hwekugara (proof of residence).
- Fomu rekunyorera rakazadzwa zvakanaka.
- Muveji kana dhipoziti (kune zvikwereti zvisina mari yemubereko).
Ongororo yeZvikwereti uye Kutumira Mari
Yambukai Finance inoshandisa nzira yayo yekunatsurudza zvikwereti (internal scoring model) inoongorora kusimba kwemari yemunyoreri, zvikwereti zvaainazvo kare, uye nhoroondo yemuveji wake. Pamusoro pezvo, kubatana neLOLC Group kuri kuunza sisitimu itsva yemabhangi (core banking system) ichashandisa tekinoroji yepamusoro kuongorora njodzi dzemari. Mari yakakweretwa inogona kutumirwa nenzira dzakasiyana:
- Kuburikidza nebhangi (bank transfer) kune mabhangi emuno.
- Kuburikidza nemari yefoni (mobile money), semuenzaniso EcoCash.
- Mari yechapamudzi (cash over the counter) pamapazi avo.
Kukoka Mari uye Kudzosa Zvikwereti
Yambukai Finance inoshandisa nzira dzemazuva ano dzekuyeuchidza vatengi nezvekubhadhara kwavo kuburikidza neSMS nemaemail. Kana munyoreri akanonoka kubhadhara, sangano racho rinogona kutumira vamiririri vayo (field agents) kuti vataure naye. Kana zvikaramba zvakaoma, Yambukai Finance inogona kutora matanho epamutemo zvinoenderana nemutemo weMoney Lending and Rates of Interest Act (Chapter 14:14) weZimbabwe.
Kushandisa Tekinoroji uye Kuwanikwa Kwayo
Kunyangwe Yambukai Finance ichishandisa webhusaiti yemazuva ano uye ichishingaira pamapuratifomu enhau dzemagariro akadai seLinkedIn neInstagram, parizvino haina app yayo yekushandisa pafoni (iOS/Android app) yakanyorwa pachena. Zvirongwa zvekukura zviri kuenderera mberi, uye sangano riri kuronga kuwedzera mapazi aro kusvika kumatunhu ose gumi eZimbabwe panosvika mwedzi wechina wegore ra2025. Pari zvino, inofungidzirwa kuti ine vanhu vanokwana 10,000 vari kukwereta mari nguva dzose.
Mitemo uye Rezinesi
Yambukai Finance ine rezinesi rakazara seCredit Only Microfinance Institution kubva kuReserve Bank of Zimbabwe. Inotungamirwa nemitemo iri muMoney Lending and Rates of Interest Act. Sangano iri rinoita zvinhu pachena maererano nemari dzemabasa nemari yemubereko, uye rine nzira dzekugadzirisa zvichemo zvevatengi kuburikidza nemukuru wemitemo (compliance officer) uye Reserve Bank portal yezvichemo zvevatengi.
Nzvimbo Mumusika uye Kuenzanisa Nevamwe
Yambukai Finance inoshanda mumusika wezvemari weZimbabwe une makwikwi akawanda. Inokwikwidzana nemasangano emari diki emuno (MFIs) akadai seVisionFund, pamwe chete nemamwe masangano ari pasi peZAMFI. Pamusoro peizvi, inokwikwidzanawo nemasangano ekukweretesa mari achishandisa tekinoroji (digital lenders) akadai seMukuru neEcoCash loans. Asi Yambukai Finance ine zvinhu zvayo zvinoiita kuti imire payo, zvichisanganisira rubatsiro rwakadzama kubva kuLOLC Group, kuvapo kwezvikwereti zvisina mari yemubereko kuburikidza nevadyidzani vekutengesa, uye kusvika kwayo kumaruwa akawanda.
Maererano nerumwe ruzivo rwakapihwa, Yambukai Finance yaive nehomwe yezvikwereti inosvika USD 2.9 miriyoni muna 2020. Mumakore achangopfuura, sangano iri rakaona kukura kwakanaka, nekuwedzera kwe20% muvhareji yezvikwereti muna 2023 uye kukura kwepurofiti ye15%. Pane zvirongwa zviri kuenderera mberi zvekuwedzera mapazi maviri matsva gore rega rega uye kuvandudza sisitimu yemabhangi kuti igone kubata vanhu vakawanda uye mabasa akawanda. Yambukai Finance yakaitawo zvibvumirano neWebs for Africa neTechverve kuti ivandudze sisitimu yayo yemabhangi. Inodyidzanawo nevamwe vatengesi vezvinhu kupa zvikwereti zvisina mari yemubereko uye nevamwe vanopa inishuwarisi kupa mari yekubhadhara inishuwarisi.
Ruzivo rweVatengi uye Hunhu Hwemabasa
Sezvo Yambukai Finance isina app yayo yakanyorwa pachena, hapana ongororo dzeapp dzinowanikwa. Asi maererano nerumwe ruzivo rusina kusimbiswa kubva kumapazi, vatengi vazhinji vanofadzwa nekukurumidza kupa zvikwereti. Zvisinei, vamwe vanotsutsumwa nemari dzepamusoro dzekunonoka kubhadhara. Nguva yekubvumidza chikwereti kazhinji inotora maawa makumi maviri nemana kusvika makumi mana nemasere. Sangano iri rine vakuru vema sales (relationship managers) mumapazi ose kuti vabatsire vatengi vavo.
Pane nyaya dzekubudirira dzemabhizinesi madiki akasimuka kuburikidza nezvikwereti zveYambukai Finance. Semuenzaniso, chitoro chezvinhu zvekuvaka muKwekwe chakakwanisa kuwedzera zvinhu zvayo ne50% mushure mekuwana chikwereti cheZWL 200,000, zvichiita kuti kutengeswa kwayo kuwedzere kaviri mukati memwedzi mitanhatu. Nyaya dzakadai dzinoratidza kukosha kwerubatsiro rwemari runopihwa neYambukai Finance kumararamiro evanhu vemuZimbabwe.
Zano Kumunyoreri uye Mhedziso
Kune avo vari kufunga kukwereta mari kubva kuYambukai Finance kana chero sangano remari, pane zvimwe zvakakosha zvekufunga nezvazvo. Chekutanga, zvakakosha kusimbisa ruzivo rwese rwakapihwa nezve mari yemubereko, mari dzemabasa, uye zvitemo zvekubhadhara. Sezvambotaurwa, mari idzi dzinogona kuchinja, saka bvunza zvakananga kuYambukai Finance panguva yekunyorera.
Chechipiri, verenga zvinyorwa zvose zvechibvumirano chechikwereti zvakanaka usati wasayina. Nzwisisa zvitemo zvose, kusanganisira mitemo yekunonoka kubhadhara uye kuti chii chinoitika kana ukasazokwanisa kubhadhara. Kuva neruzivo rwakakwana kunokudzivirira kubva kumatambudziko emari mune ramangwana. Chechitatu, kwereta mari yaunoziva kuti unokwanisa kubhadhara. Usakwereta zvinopfuura zvaunokwanisa, nekuti izvi zvinogona kukutungamirira kumatambudziko emari asingakodzeri.
Yambukai Finance isangano remari rinopa zvikwereti rakakosha muZimbabwe, zvikuru nekuda kwerubatsiro rwarinoita mukusvitsa mabasa emari kune avo vasingawanzo kubatsirwa nemabhangi makuru. Ne LOLC Group kumashure kwayo, ruzivo rwemarudzi akasiyana-siyana rwakawanda, uye tekinoroji itsva iri kuuya, Yambukai Finance ine mukana wekuramba ichikura uye ichibatsira vanhu vakawanda muZimbabwe. Kana uri munhu ane mushandirapamwe, muridzi webhizinesi diki, kana munopihwa penjeni, Yambukai Finance inogona kunge iri nzira yakanaka yekuwana mari yaunoda.
