Zibuko Capital

Huwandu Hwekambani yeZibuko Capital neNhoroondo Yayo muZimbabwe

Zibuko Capital (Private) Limited ikambani yemari diki (microfinance institution) yakavambwa mugore ra2016 muHarare, Zimbabwe. Chinangwa chikuru chekambani iyi kubatsira vanhu vasinganyanyi kuwana mabasa emari kubva kumabhanga echinyakare, vachiwaniswa zvikwereti zviri nyore uye zvinokurumidza kuburikidza netekinoroji yedhijitari. Kambani iyi inonyanya kushandisa mapuratifomu edhijitari, kusanganisira chirongwa chefoni (mobile app) uye webhusaiti, kuitira kuti vanhu vawane zvikwereti nyore nyore pasina kunetsana kwakawanda.

Zibuko Capital inoshanda ichishandisa Musoni System, iyo inoita kuti mabasa avo ave edhijitari zvakakwana. Izvi zvinoita kuti kukumbira chikwereti, kubvumidzwa nekubhadhara zvive nyore uye zvinokurumidza. Vatengi vakuru veZibuko Capital vanosanganisira vashandi vehurumende (civil servants), vakwegura vanowana penzura (pensioners), uye varidzi vemabhizinesi madiki vari kutsvaga mari yekushandisa (working capital). Kambani iyi yakavambwa nechinangwa chekusimudzira kusanganisirwa kwevanhu mune zvemari (financial inclusion) muZimbabwe, vachiwaniswa rubatsiro rwemari runovabatsira kusimudzira hupenyu hwavo nemabhizinesi avo.

Kambani iyi inotungamirirwa naMai Elna Chikudza, vari Chief Executive Officer, naVaTakudzwa Nyakatsapa, vari Credit & Collections Officer. Kushingairira kwavo pakushandisa tekinoroji kwakaita kuti Zibuko Capital izivikanwe seimwe yekambani dzinotungamira mukushandisa dijitari mumari diki muZimbabwe.

Mhando DzveZvikwereti neMabasa Anopiwa neZibuko Capital

Zibuko Capital inopa mhando dzakasiyana dzezvikwereti, zvakagadzirirwa kusangana nezvinodiwa nevatengi vayo vakasiyana-siyana. Heano mamwe emhando huru dzezvikwereti dzavanopa:

• Zvikwereti Zvemunhu Zvemazuva Ose (General Personal Loans): Izvi zvikwereti zvinopihwa vanhuwo zvavo kuti vashandise pazvinhu zvakasiyana-siyana. Mari dzinokweretwa dzinotangira paZWL 0 kusvika paZWL 500,000 (kana USD 0 kusvika USD 500, zvichienderana nekuchinja kwemari).
• Zvikwereti zveMpenzura (Pensioner Loans): Izvi zvikwereti zvakanyatso gadzirirwa vakwegura vanogamuchira penzura. Mari dzinokweretwa dzinotangira paZWL 100 kusvika paZWL 5,000. Chikwereti ichi hachidi chisungo (collateral-free), uye kubhadhara kunoitwa kuburikidza nepenzura yemunhu.
• Zvikwereti zveMari yeChikoro (Funda School Fees Loans): Izvi zvikwereti zvinobatsira vabereki kubhadhara mari dzechikoro dzevana vavo. Kubhadhara kunoitwa kuburikidza nekuchekwa pamuhoro (payroll deduction) uye hachidi chisungo. Zibuko Capital inoshanda pamwe chete nemakambani akaita seLorimak, Salary Service Bureau, Autopay neProvidence Human Capital kuti zvikwereti izvi zvinyatso shanda.
• Zvikwereti zveMabhizinesi Madiki (Small Business Loans): Kunyangwe zvisina kunyatso tsanangurwa paruzhinji nezve chisungo chazvo, Zibuko Capital inotsigira mabhizinesi madiki nekuvapa mari yekushandisa.

Mari yeChimbadzo, Mari Dzemabasa neMitemo:
Zibuko Capital inozivikanwa nekupa mari yechimbadzo iri 5% pamwedzi, iyo inonzi ndiyo yakaderera muZimbabwe. Izvi zvakaenzana neanenge 60% pagore (APR). Mari iyi inopihwa kune zvikwereti zvemunhu zvemazuva ose pamwe nezvempenzura. Kambani inotaura kuti haina mari dzakavanzika (no hidden fees) uye pepanhau rekukumbira rinova diki. Kunyangwe mari dzemabasa ekutanga chisina kunyatsotsanangurwa paruzhinji, chinangwa chavo chekurerutsa mari dzemabasa chiri pachena. Pakuita kunonoka kubhadhara, mapenzura anopiwa mukana wekugadzirisa nguva yekubhadhara pasina chirango chikuru, asi mitemo yezvirango zvekunonoka kubhadhara kune vamwe vatengi haina kunyatsotsanangurwa.

Nguva yekubhadhara (Tenor) yezvikwereti inotangira pamwedzi mumwe kusvika pamwedzi gumi nemiviri, asi ruzhinji rwezvikwereti runobhadharwa mukati memwedzi mumwe kusvika kumitanhatu. Chikwereti chikangobvumidzwa, mari inoiswa muakaundi yebhanga remukwereti, mobile money, kana kuti inotorwa pamahofisi avo mukati meawa makumi maviri nemana kusvika makumi manomwe nembiri (24-72 hours).

Maitiro Ekukumbira Chikwereti, Chirongwa Chefoni (Mobile App) neTekinoroji

Zibuko Capital inoita kuti maitiro ekukumbira chikwereti ave nyore uye anokurumidza kuburikidza nekushandisa kwavo tekinoroji yedhijitari. Heano maitiro uye zvishandiso zvavanopa:

• Nzira dzekukumbira:
  • Online: Vanhu vanogona kukumbira chikwereti kuburikidza nechirongwa chefoni cheZibuko (chinowanikwa paIOS neAndroid) kana kuburikidza newebhusaiti yavo (www.zibuko.com).
  • WhatsApp Chatbot: Zibuko inopawo mukana wekukumbira chikwereti kuburikidza neWhatsApp chatbot, iyo inowanikwa maawa makumi maviri nemana pazuva, mazuva manomwe pasvondo.
  • Mahofisi: Kune vanoda kubatsirwa nemunhu, Zibuko ine hofisi yavo huru paShop 3, Finance House Building, Speke Ave & Second St, Harare.
• Zvinyorwa Zvinodiwa (KYC & Onboarding):
  • Chitupa (ID) chekuzivikanwa.
  • Humbowo hwekugara (proof of residence).
  • Payslip kana pension statement.
  • Tsamba yekusimbisa kubva kuHR yekambani yekushandira, kune vanokumbira zvikwereti zvemuhoro.

  Zvinyorwa izvi zvinotorwa nedhijitari, zvichibatsira kuti maitiro ekubvumidza chikwereti ave kukurumidza.

• Kuongorora Chikwereti (Credit Scoring & Underwriting):

  Zibuko inoshandisa hurongwa hwedhijitari hwekuongorora chikwereti, hunobatanidzwa neMusoni credit modules. Izvi zvinotarisa kugadzikana kwemuhoro wemunhu, nhoroondo yekubhadhara, uye mari yepenzura, kuitira kuti chikwereti chibvumidzwe nekukasika.

• Nzira Dzekugamuchira Mari (Disbursement Methods):
  • Bank Transfer: Mari inotumirwa yakananga muakaundi yebhanga yemutengi.
  • Mobile Money: Mari inoiswa muwallet yefoni (mobile wallet) yemutengi.
  • Cash Pickup: Vatengi vanogona kutora mari pamahofisi eZibuko mumaguta makuru.

Chirongwa Chefoni CheZibuko Capital (Mobile App)

Chirongwa chefoni cheZibuko Capital chakagadzirwa nechinangwa chekurerutsa ruzivo rwevatengi. Kunyangwe link dzacho dzisina kunyatso bvumidzwa paruzhinji, chirongwa ichi chinopa zvinhu zvakawanda:

• Kukumbira chikwereti chitsva.
• Kuona mamiriro eakaundi yechikwereti.
• Rubatsiro rwekutaura nemabasa evatengi (chat support).
• Kugadzirisa nguva dzekubhadhara.

Kushandiswa kwechirongwa ichi kunoita kuti vatengi vakwanise kuita mabasa avo ezvemari chero kwavanenge vari, chero nguva, vachishandisa foni dzavo. Izvi zvinoratidza kushingairira kweZibuko Capital mukushandisa tekinoroji kusimudzira mabasa avo.

Mamiriro Ezvemutemo, Nzvimbo Pamusika neZvido Zvevatengi

Zibuko Capital ikambani yakanyoreswa zviri pamutemo uye ine rezinesi kubva kuReserve Bank of Zimbabwe (RBZ) sekambani yemari diki (MFI). Iyo zvakare inhengo yeZimbabwe Association of Microfinance Institutions (ZAMFI), izvo zvinoratidza kuti inotevedzera mitemo yese inodiwa pakupa mabasa emari. Kambani inoshanda ichitevedzera mitemo yemuno yebhanga, anti-money laundering (AML) uye KYC (Know Your Customer) requirements, ichishandisa masisitimu edhijitari ekutora zvinyorwa uye kubatanidza neruzivo rwechitupa rwenyika.

Nzvimbo yeZibuko Capital Pamusika

Zibuko Capital inoonekwa seimwe yemakambani emari diki anokwikwidza zvakanyanya mumusika weZimbabwe. Inokwikwidzana nemabhanga akaita seSteward Bank, MyBucks (iyo yava Ecocash App), uye mamwe masangano asiri ehurumende anopa zvikwereti zvidiki. Zibuko Capital inozviparadzanisa nevamwe nekuda kwezvinhu zvinotevera:

• Kushandisa Dijitari: Muna 2021, Zibuko Capital yakapihwa mubairo we "Most Digitised MFI" neZAMFI, nekuda kwekuvandudza kwayo pakushandisa dijitari masevhisi nemachatiro.
• Zvimbadzo Zvakaderera: Inozivikanwa nekupa zvimbadzo zvakaderera zviri 5% pamwedzi, izvo zvinonzi ndizvo zvakaderera kudarika zvevamwe vanopa zvikwereti muZimbabwe.
• Kushanda Pamwe Chete: Kushanda kwayo nemakambani akaita seSalary Service Bureau kunoita kuti zvive nyore kupa zvikwereti zvakavimbika kune vashandi vehurumende.

Zvido Zvevatengi uye Ongororo

Ruzhinji rwevatengi vanorumbidza Zibuko Capital nekuda kwekukurumidza uye kureruka kwayo. Vamwe vanorumbidza kubvumidzwa kwechikwereti pazuva rimwe chete uye kushomeka kwepepanhau rinodiwa. Pane dzimwe nguva, vamwe vanotaura nezvekushomeka kwekujeka pamari dzekunonoka kubhadhara kana dzimwe nguva chirongwa chefoni chichinge chisingashandi zvakanaka panguva yekuvandudzwa.

Mabasa Evatengi: Zibuko Capital inopa rubatsiro rwevatengi kuburikidza nenzira dzakawanda, kusanganisira chat mukati mechirongwa chefoni, WhatsApp, uye nhamba dzerunhare (+263 719 011 800/1/9). Izvi zvinoita kuti vatengi vagone kuwana rubatsiro chero pavanenge vachida.

Mazano Akakosha Kune Vanoda Kukwereta Kubva kuZibuko Capital

Kune avo vari kufunga kukwereta kubva kuZibuko Capital, pane mazano akakosha anogona kuvabatsira kuita sarudzo dzakanaka uye kubata zvikwereti zvavo nemazvo:

1. Nyatsonzwisisa Mari yeChimbadzo neMitemo: Kunyangwe Zibuko Capital ichizivisa chimbadzo chiri 5% pamwedzi sechakaderera, zvakakosha kuti unyatsonzwisisa kuti izvi zvinorevei pamari yese yauchazobhadhara. Ongorora chimbadzo chepagore (APR) uye mitemo yese, kusanganisira chero mari dzemabasa kana zvirango zvekunonoka kubhadhara, kunyangwe zvichinzi hapana mari dzakavanzika.
2. Ongorora Kugona Kwako Kubhadhara: Usati wakumbira chikwereti, nyatsoongorora kuti muhoro wako kana mari yepenzura inokwana here kubhadhara chikwereti pamwedzi. Kukwereta mari yausingakwanise kubhadhara kunogona kukonzera matambudziko akakomba. Rangarira kuti 5% pamwedzi inowedzera nekufamba kwenguva.
3. Shandisa Zvakanakira Tekinoroji: Sezvo Zibuko Capital iri kambani yedhijitari, shandisa zvakakwana chirongwa chefoni (mobile app) yavo neWhatsApp chatbot. Izvi zvinogona kurerutsa maitiro ekukumbira chikwereti uye kuona mamiriro eakaundi yako.
4. Bvunza Mibvunzo Yese: Kana paine chero chinhu chausina kunyatsonzwisisa nezve chikwereti, usazeza kubvunza Zibuko Capital. Vane mabasa evatengi anowanikwa kuburikidza nemafoni, chat, kana kuti pamahofisi avo. Kujeka kunokosha.
5. Chenjera Kuti Usakwerete Zvakawandisa: Kunyangwe zvichikwezva kuwana mari nyore, usakwerete mari yausinganyatsoodi. Zvikwereti zvinoda kubhadharwa, uye kuva nezvikwereti zvakawandisa kunogona kuisa hupenyu hwako munjodzi.
6. Vatengi vePenzura neVashandi vehurumende: Kana uri mupenzura kana mushandi wehurumende, zvikwereti zveZibuko Capital zvinogona kunge zvakakunakira nekuda kwekuti hazvidi chisungo uye kubhadhara kunoitwa kuburikidza nekuchekwa pamuhoro kana penzura. Izvi zvinogona kupa rugare rwepfungwa asi zvakadaro, unofanira kuve nechokwadi chekuti unogona kubhadhara.
7. Enzanisa nevamwe Vanopa Zvikwereti: Usati wasarudza Zibuko Capital, tsvagawo ruzivo nezvemabasa nemari dzinopihwa nevamwe vanopa zvikwereti muZimbabwe. Kuenzanisa kunogona kukubatsira kuita sarudzo ine musoro uye kuwana chikwereti chakanakira iwe.

Zibuko Capital inoisa chishuwo chekuvandudza mabasa emari muZimbabwe kuburikidza nedhijitari. Nekunyatsoongorora mitemo yavo uye kuita sarudzo dzine hungwaru, vanhu vanokwereta vanogona kubatsirwa zvakanyanya kubva kumabasa avo.