Capfin

Intshayelelo ngeCapfin neMbali yayo eMzantsi Afrika

ICapfin SA (Pty) Ltd yinkampani ekumgangatho ophezulu kwezentengo yemboleko eMzantsi Afrika, eyaziwa ngokubonelela ngemali ebolekayo ngedijithali nangendlela eqhelekileyo ngeevenkile. Yasekwa ngonyaka ka-2010, iCapfin yinxalenye yePepkor Payments & Lending, ekwaphantsi kwePepkor Ltd, inkampani edweliswe kwi-JSE (Johannesburg Stock Exchange). Oku kuyenza ibe nebhongo kwaye ibe yinxalenye yeqela elikhulu, elizinzileyo kwezoqoqosho eMzantsi Afrika.

Njengomboneleli ngemboleko osemthethweni, iCapfin ibhaliswe kwi-National Credit Regulator (NCRCP11812), eqinisekisa ukuba isebenza ngokuhambelana nomthetho iNational Credit Act. Imodeli yebhizinisi yayo igxile ekuboneleleni ngemboleko zobuqu ezingafuni siqinisekiso esixhasayo (unsecured personal loans) kubantu baseMzantsi Afrika abaqeshweyo okanye abaziqesheleyo, abaneminyaka eli-18 nangaphezulu kwaye benengeniso ezinzileyo. Ezi mboleko zenzelwe ukuhlangabezana neemfuno ezahlukeneyo, ezibandakanya iimeko ezingxamisekileyo zemali, ukulungisa amakhaya, iindleko zemfundo, kunye nokuxhasa amashishini amancinci (side-hustles).

Ukuphatha eli shishini likhulu, iCapfin ineqela labaphathi abanamava. Phakathi kwabo kukho u-Omar Parker (iNtloko yeeNkonzo zaBathengi), u-Altus Lambrecht CA(SA) (iNtloko yezeMali), u-Mandy Van Der Berg (UMphathi woPhuhliso lweNkqubo), kunye no-Shane Vercuil (uMphathi weTekhnoloji). Ubukho bezi ngcali buqinisekisa ukuba iCapfin isebenza ngokugqwesileyo kwaye ihlala isenza izinto ezintsha ukuze ihlangabezane neemfuno zabathengi bayo.

IiMveliso zemboleko zeCapfin, Amanani entlawulo neeNkonzo

ICapfin inikezela ngohlobo olubini oluphambili lweemboleko zobuqu, oluhambelana neemfuno ezahlukeneyo zabathengi:

• Imboleko zeXesha Elifutshane (Short-term Loans): Ezi mboleko ziqala kwi-R1 000 ukuya kutsho kwi-R8 000 kwaye zihlawulwa ngaphezulu kweenyanga ezintandathu (6). Izinga lenzala linyuka ukuya kutsho kwi-60% ngonyaka (okanye ubuninzi be-5% ngenyanga). Kukho iindleko zokuqalisa isicelo eziyi-R535 kunye nemali yenkonzo ye-R69 ngenyanga. Kwakhona, kufuneka kulindeleke ukuba kubekho imirhumo yokulibazisa intlawulo ukuba awuhlawuli ngexesha.
• Imboleko zoBuqu (Personal Loans): Olu hlobo lwemboleko lukhulu kwaye luqala kwi-R8 500 ukuya kutsho kwi-R50 000. Ixesha lokuhlawula lingaphezulu kweenyanga ezintandathu (6) ukuya kutsho kweenyanga ezingama-24. Izinga lenzala linyuka ukuya kutsho kwi-29.25% ngonyaka. Iindleko zokuqalisa isicelo ziyi-R650, kwaye kukho imali yenkonzo ye-R69 ngenyanga. Kule mboleko, iCapfin ifuna i-credit life insurance, kwaye kukho imirhumo yokulibazisa intlawulo ukuba awuhlawuli ngexesha.

Kubalulekile ukuqonda ukuba onke amanani enzala akwaCapfin ahlala engatshintshi (fixed), abalwa yonke imihla kwaye adityaniswa kwimali ephambili ngenyanga. I-APR (Annual Percentage Rate) echanekileyo icaciswa ngokupheleleyo ngexesha lesicelo sakho. Ngokomzekelo wokuqonda iindleko zizonke: ukuba uboleka i-R5 000 ngeenkonzo zeCapfin kwaye uyihlawule ngaphezulu kweenyanga ezili-12 ngesinga senzala esingama-28% ngonyaka, intlawulo yakho yenyanga ingangama-R2 166, kwaye intlawulo yakho iyonke ebuyiswayo ingangama-R7 166 (kubandakanywa i-VAT nemirhumo).

Zonke iimboleko zeCapfin azifuni siqinisekiso esixhasayo, okuthetha ukuba awudingi kubeka impahla yakho efana nemoto okanye indlu njengesibambiso. Oku kunciphisa umngcipheko kumboleki, kodwa kunokwenza izinga lenzala libe phezulu ngenxa yomngcipheko omkhulu kumboneleli.

Inkqubo yeSicelo, iiMfuno zeNkonzo kunye neTekhnoloji

Inkqubo yokufaka isicelo kwiCapfin yenzelwe ukuba ibe lula kwaye ifikeleleke kubathengi, nokuba usebenzisa idijithali okanye indlela yevenkile. Nazi iindlela onokufaka ngazo isicelo:

• Kwi-Intanethi: Ungandwendwela iwebhusayithi yabo, capfin.co.za, apho unokugcwalisa ifomu yesicelo kwi-intanethi kwaye ulayishe amaxwebhu akho afunekayo.
• Nge-SMS: Ungathumela inombolo yesazisi sakho kwi-33005 ukuqalisa inkqubo yesicelo.
• Ezitolo: Ungafaka isicelo kwiivenkile ze-PEP kunye neze-Ackermans ezikulo lonke elaseMzantsi Afrika. Oku kubonelela ngokulula kwabo bafuna uncedo lobuqu okanye abangenakufikelela kwi-intanethi.

Ukuze ukwazi ukufaka isicelo, kufuneka uhlangabezane nezi mfuno zilandelayo ze-KYC (Know Your Customer):

• Isazisi saseMzantsi Afrika (South African ID).
• Iingxelo zakho ezintathu zamva nje ze-payslip okanye zebhanki (proof of income).
• Ubungqina beakhawunti yebhanki (kwiibhanki ezifana ne-ABSA, FNB, Capitec, Nedbank, Standard Bank).
• Inombolo yefowuni ephathwayo yaseMzantsi Afrika ukuze ufumane i-OTP (One Time Pin) yokuqinisekisa.

Emva kokufaka isicelo, iCapfin isebenzisa inkqubo ezenzekelayo yokuhlolwa kwamatyala. Le nkqubo ihlanganisa idatha evela kwii-credit bureaus kunye nengeniso/iindleko zakho ezichaziweyo ukuze kuqinisekiswe ukuba uyakwazi ukuyihlawula imboleko, ngaloo ndlela ihambelana nemigaqo yokuboleka ngobunono. Ukuba isicelo sakho siyavunywa, imali ibhatalwa nge-EFT (Electronic Funds Transfer) kwiakhawunti yakho yebhanki, ngokuqhelekileyo phakathi kweeyure ezingama-48 emva kokuvunywa kokugqibela.

Malunga neenkqubo zokuqokelela imali, iCapfin isebenzisa i-DebiCheck debit orders yezavenge zenyanga. Ungakwazi kwakhona ukwenza intlawulo nge-bank deposit usebenzisa inombolo yesalathiso, uhlawule ezitolo zamaqabane abo, okanye usebenzise i-Capfin Pay portal. Kubalulekile ukuba uqaphele ukuba iintlawulo ezilibazisekileyo zibangela imirhumo yokungahoywa kwentlawulo kwaye zinokukhokelela kwizenzo zokuqokelela imali ngokwemigaqo ye-NCR.

Ngelixa iCapfin ingenayo i-app yayo ephathwayo ezinikeleyo, iwebhusayithi yayo yakhelwe ukuba isebenze kakuhle kwiifowuni eziphathwayo. Iinkonzo ze-SMS zikwabonelela ngendawo yokufaka isicelo kunye nokulawula imboleko. Banezixhobo zokubala kwi-intanethi kunye ne-knowledge hub enikezela ngezixhobo zokulawula ibhajethi kunye nemfundo yezezimali. Ukufikelela kweenkonzo zeCapfin kubanzi, kunikezela ngeenkonzo kulo lonke ilizwe ngeendlela zedijithali kunye neevenkile ezingaphezu kwama-2 500 ze-PEP/Ackermans kuzo zonke iiphondo ezilithoba.

Ulawulo, Indawo yeMarike kunye noKhuphiswano

Njengenkampani esebenza kwishishini lezemali eMzantsi Afrika, iCapfin isebenza ngaphantsi kolawulo olungqongqo. Ibhaliswe kwi-National Credit Regulator (NCRCP11812), kwaye ke ngoko iphantsi kwezibonelelo zeNational Credit Act, iConsumer Protection Act, kunye nemigaqo yeFinancial Sector Conduct Authority (FSCA). Oku kuqinisekisa ukuba iCapfin ihambelana nemithetho ejolise ekukhuselekeni kwabathengi nokubonelela ngeenkonzo ezisemthethweni nezithembekileyo.

Ukuza kuthi ga ngoku, akukho zohlwayo zikawonke-wonke okanye izenzo zokunyanzeliswa ezirekhodiweyo nxamnye neCapfin, nto leyo ebonisa ukuzinikela kwayo ekusebenzeni ngokusemthethweni. Le nkampani izibophelele ekuboniseni ngokucacileyo zonke iindleko, ekuhloleni amandla okuhlawula abathengi, ekuboneleleni nge-credit life insurance enyanzelekileyo, nasekufikeleleni kwiinkqubo zokusombulula iingxabano ngaphakathi nangaphandle, eziquka nezo zisebenza nge-NCR.

Kwilizwe lokhuphiswano lweemboleko eMzantsi Afrika, iCapfin ijongene neenkampani ezinkulu ezifana neWonga, Bayport, African Bank, kunye nabanye ababoneleli ngemboleko abancinci. ICaphin izahlukanisa ngokubambisana kwayo neevenkile zePepkor, nto leyo eyinika inzuzo yokudibanisa ukufikeleleka kwedijithali kunye nokulula kweevenkile. Le ndlela iphindwe kabini inceda iCapfin ukuba ifikelele kubathengi abaninzi, ngakumbi abo bahlala kwiindawo ezilalini okanye abangenakufikelela ngokulula kwiinkonzo zedijithali.

Nangona amanani ecandelo lemali ale nkampani engachazwa esidlangalaleni, njengenxalenye yeqela lePepkor, iCapfin iyaxhamla ekuthengisweni kwenkonzo kwiivenkile ezingaphezu kwama-2 000. Ingxelo yePepkor Payments & Lending kwiminyaka yakutshanje ibonise ukukhula kwengeniso, okuxhaswe kukwandiswa kwemboleko zeCapfin, kubonisa ukwanda kwemfuno yemboleko zexesha elifutshane. ICapfin iye yafumana ingxelo exutyiweyo kubathengi. Abanye bayayidumisa ngenxa yokuvunywa okukhawulezayo kunye nemigaqo ecacileyo, ngelixa abanye begxeka amanani enzala aphezulu kunye nokungahambelani kweenkonzo zabathengi. Imiba eqhelekileyo elizisa izikhalazo kwiinkundla ezifana neHelloPeter ibandakanya izohlwayo zokulibazisa intlawulo kunye nokubalwa kwakhona kwamandla okuhlawula.

Ingcebiso eSebenzayo kwabaFuni beMboleko

Njengengcali yezezimali, ndingathanda ukubonelela ngengcebiso ebambekayo kubantu abacinga ukuboleka imali kwiCapfin okanye nakomnye umboneleli ngemboleko. Ukwenza izigqibo ezinobuchule kungakunceda ugweme iingxaki zemali kwixesha elizayo.

• Hlola iMfuno yakho kunye namandla akho okuHlawula: Ngaphambi kokuba ufake isicelo semboleko, zibuze ukuba ngaba uyayidinga ngokwenene na le mali kwaye ngaba uya kuba nakho ukuyihlawula ngaphandle kokubeka uxinzelelo olukhulu kubhajethi yakho. Sebenzisa izixhobo zokubala zemboleko kwi-intanethi ukuze uqonde ukuba iya kuba yintoni intlawulo yakho yenyanga.
• Funda kwaye uQonde yonke imiGaqo neeMeko: Qinisekisa ukuba uqonda ngokupheleleyo onke amanani enzala, imirhumo yokuqalisa isicelo, imirhumo yenkonzo yenyanga, kunye neziphumo zokulibazisa intlawulo. Amanani enzala aphezulu okanye imirhumo eyongezelelweyo inokonyusa kakhulu iindleko zakho zizonke zemboleko.
• Buza nge-Credit Life Insurance: Ukuba uboleka imboleko enkulu, qinisekisa ukuba uyaqonda ukuba yintoni i-credit life insurance, kwaye ngaba ibandakanyiwe kwiindleko zakho. Le inshorensi inokukunceda ukuba awukwazi ukuhlawula ngenxa yezizathu ezingalindelekanga, kodwa yongeza kwiindleko zakho zizonke.
• Thelekisa nabaKhuphisana: Musa nje ukuthatha eyokuqala imboleko oyifumanayo. Thelekisa iimboleko ezahlukeneyo ezivela kwabaqeshi abahlukeneyo, njengeWonga, Bayport, okanye African Bank, ukuze ufumane eyona ngqiqo ihambelana neemfuno zakho. Khangela i-APR ephantsi kunye nemirhumo embalwa.
• Lungiselela aMaxwebhu akho: Ukwenza inkqubo yesicelo ibe lula kwaye ikhawuleze, qiniseka ukuba unawo onke amaxwebhu afunekayo alungile, njengesazisi sakho, iingxelo ze-payslip okanye zebhanki, kunye nobungqina beakhawunti yebhanki.
• Sebenzisa iZixhobo zeMfundo yezeMali: ICapfin, njengabanye ababoneleli, inezixhobo zokufundisa ngezezimali kwiwebhusayithi yayo. Zisebenzise ezi zixhobo ukuze ufunde ngakumbi ngokulawula imali yakho kunye nokwenza izigqibo ezinobuchule.
• Boleka ngokuNyanisekileyo: Okona kubaluleke kakhulu, boleka kuphela into onokuyihlawula ngaphandle kobunzima. Ukuboleka ngaphezulu kunokuba unokukwazi ukuhlawula kungakhokelela kwingxaki enzulu yemali kwaye yonakalise i-credit score yakho.

ICapfin inikezela ngeenkonzo zemboleko ezifikelelekayo neziluncedo kubantu abaninzi baseMzantsi Afrika. Nangona kunjalo, njengayo nayiphi na imveliso yezemali, kubalulekile ukuyiqonda ngokupheleleyo ngaphambi kokuba uzibophelele. Ngolwazi oluchanekileyo kunye nokucwangcisa ngocoselelo, ungasebenzisa iCapfin ukuhlangabezana neemfuno zakho zemali ngendlela efanelekileyo.