FASTA

Inkcazo Ngokubanzi Nefasta Nembali Yayo EMzantsi Afrika

Ifasta (Pty) Ltd yinkampani yabucala yaseMzantsi Afrika, eyasekwa ngonyaka ka-2017 eKapa, kwiPhondo leNtshona Koloni. Le nkampani isebenza njengenkampani yeteknoloji yezemali, egxile ekunikezeleni ngembuliso engadingi sibambiso kubantu abahola umvuzo kwaye abasebenzisa idijithali. Ifasta ibhaliswe ngokusemthethweni njengomnini-mboleko phantsi komthetho weSizwe wokuNika Imboleko (National Credit Act – NCA) waseMzantsi Afrika, inenombolo yobhaliso iNCRCP10591. Oku kuthetha ukuba isebenza phantsi kweliso loMlawuli wezeMboleko (National Credit Regulator), iqinisekisa ukuthobela imithetho nemimiselo yelizwe.

Imodeli yeshishini lefasta ijolise ekunikezeleni ngezisombululo zemboleko ezikhawulezayo nezilula ngokusebenzisa iindlela ezintathu eziphambili: iFASTACash (iimali zemboleko ezifakwa ngqo kwiakhawunti yebhanki), iFASTACard (ikhadi letyala elibonakalayo leMastercard), kunye neFASTACheckout (inkonzo yokuhlawula kamva xa uthenga kubathengisi abasebenzisana nabo). Intengiso yabo ejoliswe kuyo ngabantu abadala abahola umvuzo omalunga ne-R6 000 ngenyanga nangaphezulu, abaneminyaka eli-18 nangaphezulu, abafuna iimali zemboleko ezisuka kwi-R500 ukuya kwi-R8 000, ezihlawulwa kwisithuba esisuka kwinyanga enye ukuya kwezintathu.

Abaphathi abaphambili befasta baquka uMlawuli Oyintloko (CEO) uKevin Hurwitz, kunye noMlawuli Oyintloko weTeknoloji (CTO) uSteve Abraham, bobabini abangabanye babasunguli benkampani. Oku kubonisa ukuzinikela kwabo kwiteknoloji yedijithali ukuze benze iinkonzo zabo zibe lula kwaye zifikeleleke kakhulu kubathengi babo. Nangona ingekho idatha ecacileyo malunga nabanini-sabelo, ifasta ixhaswa ngabatyali-zimali abaqala ngeshishini abaziinkampani ze-fintech.

Iimveliso Zemboleko Ezinikezelwa Yifasta, Iirhafu, Nemigaqo

Ifasta inika iintlobo ngeentlobo zeemveliso zemboleko ezijolise kwiimfuno ezahlukeneyo zabathengi:

• I-FASTACash: Le yimali-mboleko yesiko efakwa ngqo kwiakhawunti yebhanki yomthengi. Iisixa-mali ziqala kwi-R800 ukuya kutsho kwi-R8 000. Yeyona nto ilungileyo xa ufuna imali engxamisekileyo yokulungisa imicimbi eyahlukeneyo.
• I-FASTACard: Eli likhadi letyala elibonakalayo leMastercard elibonelela ngesixa-mali esiphakathi kwe-R500 ne-R8 000. Eli khadi lingasetyenziswa kwiivenkile ze-intanethi okanye kwezo zisebenzisa intlawulo ngekhadi elibonakalayo. Lenziwe lula ukuze likwazi ukusetyenziswa ngokukhawuleza xa kufuneka uthenge okanye uhlawule.
• I-FASTACheckout: Le yinkonzo edityanisiweyo yentlawulo ekuvumela ukuba uthenge izinto kubathengisi abathile kwaye uhlawule kamva, isixa-mali esingafikelela kwi-R8 000. Ifana nenkqubo yokuhlawula ngeenxalenye, kodwa ikwenza ukwazi ukuthatha into ngoko nangoko.

Amanqanaba Enzala Nezinye Iirhafu:
Ifasta ibonelela ngamanqanaba enzala asuka kwi-0% ukuya kwi-5% ngenyanga, kuxhomekeke kwiprofayile yekhredithi yomntu ngamnye. Oku kuthetha ukuba abanye abathengi abanembali entle yekhredithi banokufumana inzala ephantsi kakhulu. Amanqanaba okuMela (Representative APR) ajikeleze i-3% ngenyanga, oku kuthetha i-42% ngonyaka. Kubalulekile ukuba umboleki aqonde la manani phambi kokuba asayine isivumelwano.

Ngaphandle kwenzala, kukho nezinye iirhafu:

• Umrhumo woQaliso (Initiation fee): Oku yi-10% yesixa-mali semboleko (phambi kwe-VAT).
• Umrhumo weNkonzo yeNyanga (Monthly service fee): Lo ngumrhumo osuka kwi-R60 ukuya kwi-R69 ngenyanga (phambi kwe-VAT).
• I-Inshurensi yoKhuselo lweKhredithi (Credit protection insurance): Le yimali engange-R6.33 ngenyanga, ejoliswe ekukhuselekeni kwakho xa unganako ukuhlawula ngenxa yezizathu ezithile.
• Iirhafu zokuLibaziseka kweNtlawulo: Ifasta isebenzisa imigaqo ye-NCA malunga neentlawulo zokulibaziseka, nangona isixa-mali singachazwanga esidlangalaleni.

Iimali-mboleko zihlawulwa kwisithuba esisuka kwinyanga enye ukuya kwezintathu, nangona abanye abathengisi banokunika ixesha elide elifikelela kwiinyanga ezine. Abathengi bavumelekile ukuba bahlawule kwangethuba, kwaye xa besenza njalo, banokufumana isaphulelo senzala (rebate).

Inkqubo Yokufaka Isicelo, Izidingo, Nezithende Zomthengi

Inkqubo yokufaka isicelo sefasta ilula kwaye yenziwa ngokupheleleyo kwi-intanethi. Akukho ziseko-mzimba okanye amasebe ofuna ukuwatyelela. Oku kwenza ukuba inkqubo ikhawuleze kwaye ifikeleleke kakhulu.

Izidingo Eziphambili Zokufaka Isicelo:

• Ubudala obuphakathi kwe-18 nangaphezulu.
• Ubungqina bokuba uhola umvuzo omalunga ne-R6 000 ngenyanga nangaphezulu.
• Ukuba neakhawunti yebhanki esebenzayo eMzantsi Afrika.
• Ukuba ne-ID evumelekileyo yaseMzantsi Afrika.

Inkqubo Yokufaka Isicelo:

1. Faka Isicelo Kwi-Intanethi: Uyenza yonke into kwiwebhusayithi yefasta okanye kumaqonga abathengisi abasebenzisana nabo.
2. Ukuqinisekisa Isazisi (KYC): Ifasta isebenzisa inkqubo ezenzekelayo yokuqinisekisa inombolo yakho ye-ID ngokuchasene nedatha yesizwe.
3. Ubungqina Bemali engenayo: Unganika ubungqina bemali engenayo ngokudibanisa i-intanethi yakho yebhanki nenkqubo yefasta (oko kuvumela ukuba babone iintshukumo kwiakhawunti yakho) okanye ngokulayisha iiphepha zakho zomvuzo (payslips) zeenyanga ezintathu ezidlulileyo.
4. Ukuqinisekiswa Kwekhredithi: Ifasta isebenzisa i-algorithm yayo ekhethekileyo edibanisa uhlalutyo lweakhawunti yebhanki, ukujonga kwi-credit bureau, kunye nokuvavanya ukukwazi kwakho ukuhlawula. Isigqibo sihlala sithathwa kwimizuzu embalwa.
5. Ukufumana Imali: Emva kokuba isicelo sakho sivunyiwe, imali ifakwa ngqo kwiakhawunti yakho yebhanki ngokukhawuleza (oku kuxhomekeke kwinkqubo yebhanki yakho), okanye ilayishwe kwiFASTACard yakho ebonakalayo, okanye ihlawulwe ngqo kumthengisi xa usebenzisa iFASTACheckout.

Akukho sibambiso sifunekayo, nto leyo eyenza ezi mboleko zibe lula kubantu abangenazo iiasethi abanokuzisebenzisa njengesibambiso.

Iqonga Ledijithali Nefasta, Ulawulo, Kunye Nesikhundla Sentengiso

Ifasta isebenza ngokupheleleyo kwiqonga ledijithali. Nangona ingenayo i-app ezinikeleyo ye-iOS okanye ye-Android, iwebhusayithi yayo yakhiwe kakuhle ukuze isebenze ngokugqibeleleyo kuzo zonke izixhobo eziphathwayo (mobile browsers). Oku kuthetha ukuba ungayisebenzisa ifasta kwi-smartphone okanye ithebhulethi yakho ngaphandle kobunzima. Banezihlalo ezisebenzayo kwiindawo zonxibelelwano, njenge-Instagram (@fastaonlinecredit), oku kubonisa ukuba bazinikele ekusebenzisaneni nabathengi babo ngeendlela zedijithali. Iinkonzo zabo ziyafumaneka kuzo zonke iiphondo ezilithoba zaseMzantsi Afrika, ngenxa yokuba zonke iinkonzo zihanjiswa kwi-intanethi.

Ulawulo Nokuthotyelwa Kwemithetho:

Ifasta ibhaliswe ngokusemthethweni ne-National Credit Regulator (NCRCP10591), nto leyo eqinisekisa ukuba ithobela imigaqo ye-National Credit Act (NCA), i-Financial Intelligence Centre Act (FICA), kunye ne-POPIA (Protection of Personal Information Act). Oku kubaluleke kakhulu kuba kukhusela abathengi kwaye kuqinisekisa ukuba inkampani isebenza ngokufanelekileyo nangokuziphatha okuhle. Akukho ziganeko zisemthethweni zibhengeziweyo zokuhlawuliswa okanye izenzo ezichasene nefasta, nto leyo ebonisa ukuzinikela kwayo ekuthobeleni imithetho.

Indawo Yefasta Kwintengiso Nezinto Eyahluke Ngazo:

Ifasta ikhuphisana nezinye iinkampani ezifana nePayJustNow, Payflex, kunye nabanye abanini-mboleko abakhawulezayo kwicandelo leembuliso ezisuka kwi-R500 ukuya kwi-R8 000. Nangona isabelo sayo sentengiso sincinci (ngaphantsi kwe-5% yevolumu yembuliso encinci ye-intanethi), ifasta iyazahlula ngezi zinto zilandelayo:

• Iqonga lokuzenzela, elisebenza ngokupheleleyo ngedijithali.
• Iimveliso ezintathu ezahlukeneyo (imali, ikhadi, nentlawulo ekuthengeni).
• Isigqibo esikhawulezayo kwimizuzu embalwa.

Oku kuyenza ikhethwe ngabantu abafuna izisombululo zemali ezikhawulezayo nezilula. Ifasta inezicwangciso zokwandisa iinkonzo zayo, okuquka ukungenisa iimali-mboleko ezinde kwaye yandise ubambiswano lwayo nabathengisi kwi-e-commerce nasezivenkileni.

Ukuhlola Amava Abathengi, Uthelekiso Nabanye Abakhuphisanayo, Kunye Neengcebiso

Amava Abathengi NokuHlolwa Kwefasta:

Ukuphononongwa kwabathengi malunga nefasta kuxutyiwe. Abathengi abaninzi bayayincomeka ngenxa yesantya nokuba lula kwenkqubo yokufaka isicelo nokufumana imali. Bahlonela ukuba inkqubo yonke yenziwa kwi-intanethi, nto leyo eyonga ixesha. Nangona kunjalo, kukho nezigxeko ezithile. Ezinye zezikhalazo eziqhelekileyo ziquka:

• Amanqanaba aphezulu e-APR: Abathengi abathile bakhalaza ngamanqanaba aphezulu enzala xa kuthelekiswa nabanini-mboleko besiko.
• Iinkqubo zokuqokelela ezirhabaxa: Kukho izikhalazo ngendlela efasta esebenzisa ngayo ukuqokelela iintlawulo ezishiyiweyo.
• Ukuphendula okucothayo: Abanye abathengi baye bathi banengxaki yokufumana impendulo ekhawulezileyo kwiinkonzo zokuxhasa abathengi.

Ifasta ibonelela ngonxibelelwano nge-imeyile nangencoko kwi-app (okanye kwiwebhusayithi ephathwayo), kodwa ayinayo inkonzo yefowuni engama-24/7. Ixesha lokuphendula elixelweyo lihamba phakathi kweeyure ezingama-48 nezangama-72. Kubalulekile ukuba uqaphele oku xa ufuna uncedo olukhawulezileyo.

Uthelekiso Nabanye Abakhuphisanayo:

Xa kuthelekiswa nabanye abakhuphisanayo kwimarike yembuliso encinci eMzantsi Afrika, ifasta ixhaphake kakhulu ngenxa yokuba inika iintlobo ezintathu zeemveliso. Abanye abakhuphisanayo banokujolisa kuphela kwiimali-mboleko zemali (cash loans) okanye kwiinkonzo zokuhlawula kamva. Isantya sokuvunywa kwezicelo siphinde sibe yinto eyenza ifasta ibe ngcono kunesininzi sabakhuphisanayo abasathatha ixesha elide ukwenza izigqibo. Nangona kunjalo, amanqanaba ayo enzala kunye neentlawulo zinokuba phezulu kancinci kunezinye iinkampani, ngakumbi kwabo baneprofile yekhredithi entle abanokufumana iirhafu ezingcono kwiibhanki zesiko okanye abanye abanini-mboleko.

Iingcebiso Eziyinyani Kwabazakuboleka:

Xa ucinga ngokuboleka imali kwiFasta okanye nakweyiphi na inkampani yembuliso encinci, kubalulekile ukuba uqwalasele ezi ngcebiso zilandelayo:

• Qonda Zonke Iintlawulo: Funda ngokucokisekileyo isivumelwano semboleko phambi kokuba usayine. Qinisekisa ukuba uyaqonda ukuba yimalini kanye kanye oza kuyihlawula, kubandakanya inzala, umrhumo woqaliso, kunye nomrhumo wenkonzo wenyanga.
• Boleka Kuphela Into Oyifunayo: Musa ukuboleka imali engaphezulu kunaleyo uyifunayo ngokwenene. Iimali-mboleko ezincinci zenzelwe iingxaki ezingxamisekileyo, hayi ukusetyenziswa rhoqo.
• Ukukwazi Ukuhlawula: Qinisekisa ukuba unako ukuhlawula imali-mboleko ngexesha elimisiweyo ngaphandle kokubeka uxinzelelo kwiimali zakho. Ukungahoyi intlawulo kunokukhokelela kwiirhafu ezongezelelweyo kwaye konakalise irekhodi lakho lekhredithi.
• Jonga Ezinye Iinketho: Ukuba ixesha likuvumela, thelekisa iFasta nabanye abanini-mboleko. Jonga iibhanki, ii-credit unions, okanye ezinye iinkampani ze-fintech ukuze ufumane eyona mali-mboleko ingcono kwiimeko zakho.
• Nxibelelana NeFasta: Ukuba ujongene nobunzima bokuhlawula, nxibelelana neFasta ngokukhawuleza. Banokwenza amalungiselelo athile okuhlawula okanye bakunike iinketho phantsi kwemigaqo ye-NCA.

Ngokusebenzisa ifasta ngobuchule nangokuqonda, abantu baseMzantsi Afrika banokuzuza kwiinkonzo zayo ezikhawulezayo nezilula, ngakumbi xa bejongene neemfuno zemali ezingxamisekileyo. Kubalulekile ukuba uboleke ngokuziphendulela.