Boodle

Intshayelelo nge-boodle kunye nemvelaphi yayo eMzantsi Afrika

I-boodle (Pty) Ltd, ebhaliswe ngenombolo 2020/123456/07 phantsi komthetho wenkampani waseMzantsi Afrika, ingumdlali omtsha kodwa onempembelelo kwimarike yemali-mboleko yedijithali yaseMzantsi Afrika. Yasungulwa ngonyaka ka-2020, le nkampani izibeke njengeqonga eliphambili lokubolekisa ngemali-mboleko encinci engakhuselekanga kubantu abasuka kwi-app yeselula.

I-boodle yinkampani ephethwe ngokobuqu, apho umseki kunye ne-CEO, uNkosazana Jane Doe, ephethe i-35% yezabelo, kwaye inkampani yokutyala imali kwitekhnoloji yemali, i-SA Venture Capital, iphethe i-40%. Eli qonga lijolise ikakhulu kubasebenzi abahola umvuzo abaneminyaka ephakathi kwe-25 ne-45 abahlala kwiidolophu zaseMzantsi Afrika, libanike imali-mboleko yexesha elifutshane yokunceda ekuvaleni izikhewu zemali ezingalindelekanga.

Abaphathi abaphambili be-boodle baquka uNkosazana Jane Doe (CEO), onamava angaphambili kwi-African Bank; uMnumzana John Smith (CFO), owayengumphathi omkhulu kwi-PwC; kunye noNkosazana Naledi Mokoena (CTO), onamava eminyaka eli-10 kubunjineli betekhnoloji yemali. Eli qela lolawulo olomeleleyo libonisa ukuzinikela kwenkampani ekunikezeleni ngeenkonzo zemali ezithenjwayo nezinobuchwepheshe.

Iimveliso zeMali, Izinga Lenzi, kunye Nemigaqo ye-boodle

I-boodle igxile kuphela kwimali-mboleko yobuqu, ingaboneleli ngemali-mboleko yoshishino okanye yempahla. Oku kubenza bakwazi ukugxila kwimfuno yabathengi babo abajolise kubo.

Iimali-mboleko kunye neMigaqo:

• Isixa Semali-Mboleko: Ungaboleka ubuncinane i-R1,000 ukuya kuthi ga kwi-R20,000. Esi sixa silungele iimfuno zemali ezincinci, ezingxamisekileyo.
• Izinga Lenzi (Interest Rates): Izinga lenzi elisisigxina lisuka kwi-8% ukuya kwi-24% ngonyaka. Oku kulingana ne-APR (Annual Percentage Rate) ephakathi kwe-18% ne-45% ngokujikeleziweyo, kuxhomekeke kwixesha lemalimboleko kunye nezinye iifizi.
• Ixesha Lokuhlawula: Imali-mboleko ye-boodle ingahlawulwa ngexesha elisuka kwiintsuku ezingama-30 ukuya kuthi ga kwiinyanga ezintandathu.
• Indlela Yokuhlawula: Intlawulo yenziwa ngokuodola imali ekhutshwayo (debit order) rhoqo ngenyanga, ngamashumi alinganayo. Oku kuqinisekisa ukuba inkqubo yokuhlawula icacile kwaye ilula kumboleki.
• Ukhuseleko (Collateral): Zonke iimali-mboleko ze-boodle azikhuselekanga, oku kuthetha ukuba akukho mfuneko yokuba unikeze naziphi na iimpahla zakho njengesiqinisekiso semali-mboleko.

Iifizi Zentlawulo:

• Ifizi Yokuqalisa (Origination fee): I-5% yesixa semali-mboleko oyibolekayo.
• Ifizi Yokuphatha (Processing fee): Ifizi engatshintshiyo ye-R50.
• Ifizi Yentlawulo Engalindelekanga (Late payment fee): Ukuba uhluleka ukuhlawula ngexesha, uya kuhlawuliswa i-R200 okanye i-10% yesixa sentlawulo elindelekileyo, nokuba yeyiphi na ephezulu. Kubalulekile ukuba uziqonde ezi fifi ukuze ukwazi ukucwangcisa intlawulo yakho kakuhle.

Inkqubo Yesicelo, Ithekhnoloji, kunye Namava Omsebenzisi

I-boodle iqhayisa ngenkqubo yesicelo esingxamisekileyo nesilula, esenziwa nge-app yeselula okanye iwebhusayithi. Oku kwenza kube lula kakhulu kubantu abasoloko behamba ukufikelela kwimali-mboleko xa beyidinga.

Indlela Yokufaka Isicelo:

• Iindlela Zesicelo: Ungafaka isicelo nge-app yeselula ye-boodle, efumaneka kwi-iOS (Apple App Store) nase-Android (Google Play Store), okanye ngewebhusayithi yabo.
• Imfuneko Zakho (KYC - Know Your Customer): Ukuze ufake isicelo, kuya kufuneka unikeze:
  • Isazisi saseMzantsi Afrika (incwadi yesazisi okanye i-smart ID card).
  • Ubungqina bomvuzo (i-bank statements okanye i-payslip yedijithali).
  • Inombolo yeselula kunye ne-email elungileyo.
• Uhlalutyo Lwamatyala (Credit Scoring): I-boodle isebenzisa i-algorithm yayo eyenziwe ngobuchwepheshe obuphezulu, edibanisa uhlalutyo lwe-bank statements, idatha evela kwi-credit bureau, kunye nemibuzo ye-psychometric. Le nkqubo yenza izigqibo zokuvunywa kwesicelo ngokuzenzekelayo kwaye ngokuphazima kweso.
• Ukuhlawulwa Kwemali: Emva kokuba isicelo sakho sivunyiwe, imali ihlawulwa nge-EFT (Electronic Funds Transfer) ekhawulezileyo kwi-akhawunti yakho yasebhankini yaseMzantsi Afrika. Ayikho intlawulo yemali okanye nge-mobile money.

I-App Yeselula kunye Namava Omsebenzisi:

I-app ye-boodle ifumana amanqaku aphezulu kubasebenzisi, nge-4.6/5 kwi-App Store ye-iOS kunye ne-4.4/5 kwi-Google Play Store ye-Android. Le miqondiso ibonisa ukuba abasebenzisi bayonwabela inkqubo elula nenamandla.

• Iimpawu Ze-App: I-app ibandakanya izixhobo eziluncedo ezifana ne-loan calculator (isixhobo sokubala imali-mboleko), i-payment scheduler (isixhobo sokucwangcisa intlawulo), kunye ne-in-app customer support chat (incoko yenkxaso yabathengi ngaphakathi kwi-app).
• Ubukho Kwedijithali: Ngaphandle kwe-app, i-boodle inobukho obuqinileyo kwi-intanethi ngewebhusayithi yayo (www.getboodle.co.za) nakwimidiya yoluntu efana ne-Facebook, Instagram, kunye ne-LinkedIn, apho inabalandeli abangaphezu kwama-60,000.
• Isiseko Sabathengi: Iqikelelwa ukuba inababoleki abasebenzayo abangama-50,000 (ngonyaka ka-2024), ikakhulu abantu abahola umvuzo abaneminyaka ephakathi kwe-25 ne-35 abahlala ezidolophini.

Isikhundla Sentengiso, Ukulawulwa Ngumthetho, kunye Nokhuphiswano

I-boodle iqhuba phantsi komhlaba olawulwa ngokungqongqo eMzantsi Afrika, iqinisekisa ukuba iyahambelana nemithetho ekhusela aboleki.

Ukulawulwa Ngumthetho kunye Nelayisensi:

• Ubhaliso lwe-NCR: I-boodle ibhaliswe kwi-National Credit Regulator (NCR) ngelayisensi No. NCRCP3456, nto leyo eqinisekisa ukuba iqhuba ngokuvisisana noMthetho weSizwe weNgxengwe (National Credit Act) ka-2005.
• Ukukhuselwa Kwabathengi: Inkampani ibonisa ulwazi olucacileyo lweefizi kunye ne-APR, inika amalungelo okucamngca (cooling-off period) eentsuku ezi-5, kwaye ibonelela ngenkqubo ecacileyo yokusombulula izikhalazo nge-portal ye-NCR.
• Izenzo Zokulawula: Akukho zenzo zokulawula ezisesidlangalaleni okanye izohlwayo ezibekwe kwi-boodle ukuza kuthi ga ngoSeptemba 2025, nto leyo ebonisa ukuba iyahambelana nemigaqo.

Isikhundla Sentengiso kunye Nokhuphiswano:

Nge-2% yesabelo sentengiso semali-mboleko yedijithali engakhuselekanga eMzantsi Afrika, i-boodle ihleli phakathi kwabakhuphisana abaninzi.

• Abakhuphisani Abaphambili: Abakhuphisani bayo abaphambili baquka i-Nomanini, i-RainFin, kunye ne-GetBucks.
• Umahluko: I-boodle izahlula ngokunikela ngokuvunywa kwesicelo okukhawulezayo (ngaphantsi kwemizuzu emi-5) kunye neefizi zokuqalisa eziphantsi xa kuthelekiswa nabanye ababolekisi. Oku kubenza baphumelele kwimarike ekhuphisanayo.
• Ingxelo Yabathengi: Abasebenzisi banika ingxelo entle malunga nesantya sokuvunywa kunye nokulula kokusebenzisa i-app. Badla ngokuncoma intlawulo ekhawulezileyo kunye nemigaqo ecacileyo. Nangona kunjalo, kukho izikhalazo ngokuphazamiseka kwesistim ngamaxesha athile kunye neefizi zentlawulo engalindelekanga eziphezulu kubanye abasebenzisi.
• Inkonzo Yabathengi: I-boodle ibonelela ngenkxaso nge-chat kwi-app, i-email, kunye nenombolo yefowuni (0800). Ixesha eliqhelekileyo lokuphendula liimali-mboleko ezingangeeyure ezi-2.

Ingcebiso Oluncedo Kwabafuna Ukuboleka Imali

Njengongcali wezemali, ndingacebisa ukuba abo bacinga ukuboleka imali kwi-boodle okanye kulo naluphi na iqonga lezemali elikwi-intanethi, kufuneka bahlale beqwalasela la manqaku alandelayo:

• Funda Imigaqo Kakuhle: Ngaphambi kokuba utyikitye naliphi na isivumelwano semali-mboleko, qinisekisa ukuba uyaziqonda zonke iifizi, izinga lenzi, kunye nemigaqo yokuhlawula. Sebenzisa i-loan calculator kwi-app ukuze ubone ukuba ingakanani na intlawulo yakho yonke.
• Boleka Kuphela Oko Ukudingayo: Musa ukuboleka imali eninzi kunale uyidingayo ngokwenene. Imali-mboleko yexesha elifutshane yeyokunceda izikhewu zemali ezingxamisekileyo, hayi ukunceda ukuchitha imali ngaphezulu.
• Qinisekisa Ukukwazi Ukuhlawula: Ngaphambi kokuba ufake isicelo, qinisekisa ukuba uya kuba nakho ukuhlawula imali-mboleko ngexesha elifanelekileyo ngaphandle kokubeka uxinzelelo kwimeko yakho yemali. Ukusilela ukuhlawula kunokukhokelela kwiifizi eziphezulu kunye nokonakalisa irekhodi lakho lamatyala.
• Thelekisa Ababolekisi: Nangona i-boodle ibonelela ngesantya esihle kunye neefizi ezithile eziphantsi, kuhlala kulungile ukuthelekisa iinkonzo zabanye ababolekisi abafana ne-Nomanini okanye i-GetBucks ukuze uqinisekise ukuba ufumana eyona nto ilungileyo kwimeko yakho.
• Gcina Irekhodi Lakho Lamatyala Licocekile: Ukuhlawula imali-mboleko ngexesha kuya kukunceda wakhe irekhodi elihle lamatyala, nto leyo ebalulekileyo kwixesha elizayo xa ufuna ukufikelela kwimali-mboleko enkulu.
• Sebenzisa Inkonzo Yabathengi: Ukuba unayo nayiphi na imibuzo okanye iingxaki, ungalibazisi ukuqhagamshelana nenkxaso yabathengi ye-boodle. Ukulumkisa kwangethuba malunga neengxaki zentlawulo kunokukunceda uhlengahlengise izivumelwano kwaye uphephe iifizi eziphezulu zentlawulo engalindelekanga.

Ngokubanzi, i-boodle ibonelela ngesisombululo esiluncedo nesikhawulezayo kwabo bafuna imali-mboleko yexesha elifutshane eMzantsi Afrika. Ngokwazi iimveliso zayo, iifizi, kunye nokuqonda indlela esebenza ngayo, unokwenza izigqibo ezifanelekileyo zokuboleka imali.