Finance27

Isishwankathelo Nenkcubeko Ye-finance27 eMzantsi Afrika

I-finance27 yinkampani yemali mboleko ekhule kakhulu kwicandelo ledijithali eMzantsi Afrika. Ekuqaleni yayaziwa ngokuba yi-Netcash, ngoku isebenza phantsi kwegama elirejistriweyo i-finance27, kwaye ibalulekile ekunikezeleni iimali mboleko zexesha elifutshane, ngokukodwa iimali-mboleko zemihla-ngemihla (payday loans). Inkampani ibhaliswe ePretoria, kwiPhondo leGauteng, kwaye igxile ekunikezeleni ngeenkonzo zayo kubemi baseMzantsi Afrika abafuna imali engxamisekileyo phakathi kwemihla yentlawulo yomvuzo wabo. Njengomhlalutyi wezemali, ndibona ukuba i-finance27 izibeka njengesisombululo esikhawulezayo nesilungelelanisiweyo kwabo bajongene neemeko zemali ezingalindelekanga.

Ngelixa ulwazi malunga nomhla wokusekwa kwayo okanye abanikazi lungabhengezwanga esidlangalaleni, into ecacileyo kukuba i-finance27 isebenza ngokupheleleyo kwi-intanethi. Oku kuthetha ukuba abanazo ii-ofisi ezibonakalayo apho abantu banokuthi bangene khona, kodwa kunoko, iinkonzo zabo ziyafumaneka ngeewebhusayithi zabo nakwiindawo ezifikeleleka ngeselula. Lo mzekelo weshishini uyahambelana nendlela ihlabathi ledijithali elisebenza ngayo namhlanje, ubanike ithuba lokufikelela kubathengi kwilizwe lonke laseMzantsi Afrika. Kubalulekile ukuqaphela ukuba, njengayo nayiphi na inkampani yemali mboleko eMzantsi Afrika, i-finance27 kulindeleke ukuba ithobele imigaqo yeNational Credit Regulator (NCR), eqinisekisa ukuba abemi bayakhuselwa kwizenzo zokuboleka ezingekho mthethweni.

Iimveliso Zeemali Mboleko Neenkonzo Ze-finance27

I-finance27 igxile ngokupheleleyo kwiimali mboleko zexesha elifutshane, ezaziwa kakhulu njengeemali-mboleko zemihla-ngemihla. Olu hlobo lwemali mboleko lwenzelwe ukunceda abantu abafuna imali engxamisekileyo ukuba bahlangabezane neendleko ezingalindelekanga phambi kokuba bafumane umvuzo wabo olandelayo. Inkampani ayiniki mali mboleko zexesha elide okanye iimali mboleko zesavenge.

• Izixa Zemali Mboleko: Abathengi banokuboleka isixa-mali esiphakathi kwe-R500 (ama-Rand angamakhulu amahlanu) ukuya kuthi ga kwi-R8 000 (ama-Rand angamawaka asibhozo). Olu luhlu lwenzelwe ngokukodwa iimeko ezingxamisekileyo zemali ezincinci ukuya kweziphakathi.
• Amazinga Enzala Neerhafu: I-finance27 ibhengeza izinga lenzala elingama-3.2% ngenyanga. Oku kuguqulela kwi-Approximate Annual Percentage Rate (APR) emalunga ne-38% kakhulu, nto leyo ehambelana nemigaqo yeNational Credit Act (NCA) yaseMzantsi Afrika kwiimali mboleko zexesha elifutshane. Kubalulekile ukuba abathengi baqonde ukuba akukho rhafu yokuqala okanye yenyanga ekhankanywe ngokucacileyo, nangona kunjalo, inkampani ikhankanya ukuba kukho iirhafu ezongezelelweyo zokungahlawuli ngexesha. Ngoko ke, ukufunda imigaqo neemeho (terms and conditions) ngocoselelo kubalulekile ukunqanda nakuphi na ukungaqondani.
• Amaxesha Okuhlawula: Ixesha lokuhlawula leemali mboleko ze-finance27 liphakathi kweentsuku ezi-7 ukuya kwezingama-63. Le yinto ebalulekileyo eyahlulayo i-finance27 kwabanye ababolekisi bemali-mboleko zemihla-ngemihla abahlala benika ixesha lokuhlawula leentsuku ezingama-30 kuphela. Eli xesha elide linika abathengi ukuguquguquka okungakumbi ekuhleleni iimeko zabo zemali.
• Iimfuno Zesiqinisekiso: Zonke iimali mboleko ezinikezelwa yi-finance27 azifuni siqinisekiso (unsecured). Oku kuthetha ukuba awudingi kubeka naziphi na iimpahla zakho ezibalulekileyo, njengemoto okanye indlu, njengesiqinisekiso sokuboleka imali. Oku kwenza inkqubo ikhawuleze kwaye ifikeleleke ngakumbi.

Ngokubanzi, iimveliso ze-finance27 zenzelwe ukuba zikhawuleze kwaye zifikeleleke ngokwedijithali, zilungele abemi baseMzantsi Afrika abafuna imali engxamisekileyo ngaphandle kokuxakeka kokusebenza kwamaphepha okanye iinkqubo ezide.

Inkqubo Yesicelo, Ithekhnoloji, Nolawulo

Inkqubo Yesicelo Neemfuno

Inkqubo yesicelo se-finance27 yenziwe lula ngokupheleleyo kwi-intanethi. Akukho mfuneko yokuya kwiiofisi okanye ukujongana namaphepha. Abafaki-zicelo kufuneka babe ngabemi baseMzantsi Afrika, babe neminyaka engaphezulu kwe-18 ubudala, kwaye babenobungqina bomvuzo oqhubekayo. Inkqubo ibandakanya la manyathelo alandelayo:

• Isicelo Se-intanethi: Abafaki-zicelo bazalisa ifomu yesicelo kwiwebhusayithi ye-finance27 okanye kwi-portal yabo efikeleleka ngeselula.
• Uqinisekiso Lwesazisi Nomvuzo: Kuya kufuneka ungenise ubungqina besazisi (ID) kunye nobubungqina bomvuzo wakho (umzekelo, i-payslip yakho yamva nje okanye iingxelo zebhanki). I-finance27 ithobela imigaqo yaseMzantsi Afrika ye-KYC (Know Your Customer) ukuqinisekisa ukuba uqinisekiso lwenziwa ngokufanelekileyo.
• Uvavanyo Lwetyala: Inkampani isebenzisa i-algorithm yayo yokuvavanya umngcipheko, edibanisa idatha evela kwiiofisi zetyala (credit bureaus) kunye novavanyo lomvuzo wakho, ukumisela ukuba ungawufumana na umboleko nokuba unokukwazi na ukuwuhlawula.
• Ukuhanjiswa Kwemali: Ukuba isicelo sakho siyavunywa, imali idluliselwa ngokukhawuleza kwiakhawunti yakho yasebhankini yaseMzantsi Afrika, ngokuqhelekileyo ngosuku olunye. Akukho ndlela yokufumana imali nge-mobile money okanye ngokungena ebhankini.
• Inyathelo Lokuqokelela: Ngomhla wokuhlawula obekiweyo, i-finance27 isebenzisa iDebiCheck (umyalelo wokutsalwa kwemali oqinisekisiweyo) ukuqokelela intlawulo. Bakwathumela izikhumbuzi nge-SMS nangee-imeyile. Ukuba kukho ukungahlawuli, kunokwenzeka ukuba umboleko udluliselwe kwiinkampani eziqokelela amatyala.

Ithekhnoloji Namava Omsebenzisi

I-finance27 isebenza ngokupheleleyo kwi-intanethi, kodwa kubalulekile ukuqaphela ukuba ayinayo i-app yendabuko (native app) ye-iOS okanye ye-Android. Abathengi bafikelela kwiinkonzo zayo ngewebhusayithi yayo elungiselelwe iiselula. Oku kuthetha ukuba unokuwufaka isicelo kwaye ulawule umboleko wakho ngqo kwisikhangeli sefowuni yakho. Nangona le ndlela isebenza kakuhle, inokuba yinto engekho mgangathweni kwabanye abasebenzisi abaqhele ukusebenzisa ii-apps zomthonyama.

Ubume Bolawulo Nelayisenisi

I-finance27 ilayisenisiwe yiNational Credit Regulator (NCR) yaseMzantsi Afrika, nto leyo eqinisekisa ukuba ihambelana neNational Credit Act (NCA). Oku kuthetha ukuba kufuneka ihloniphe imigaqo engqongqo malunga namazinga enzala aphezulu, ukubhenca ngokucacileyo kwe-APR kunye neembopheleleko zokuhlawula. Akukho zikhalazo zolawulo okanye izohlwayo ezibhengezwe esidlangalaleni ngokuchasene ne-finance27, nto leyo ebonisa ukuba iyayithobela imigaqo-nkqubo ekuyo. Le nqanaba lokuthobela imigaqo libalulekile ekwakheni ukuthembana phakathi kwenkampani nabathengi bayo.

Uphicotho Lwabathengi Nendawo Entengiso

Uphicotho lwabathengi lubonelela ngembono ebalulekileyo ngamava okusebenzisana ne-finance27. Ngokwe-TrustIndex, i-finance27 inamanqaku apheleleyo angama-2.3/5, nto leyo ebonisa ukuba kukho iindawo ezifuna ukuphuculwa. Izikhalazo eziqhelekileyo zibandakanya:

• Inkonzo Yabathengi Engekho Mgumgangathweni: Abathengi abaninzi babonisa ubunzima bokufikelela kwinkxaso, kunye namaxesha okuphendula amaxesha amaninzi.
• Iirhafu Ezingacacanga: Abanye abathengi baxela iirhafu zokulibazisa ezingalindelekanga okanye ezingacacanga, nto leyo egxininisa imfuneko yokuba umntu afunde ngokucophelela imigaqo neemeho ngaphambi kokuba asayine.
• Ukungasebenzi Kwewebhusayithi: Kukho iingxelo zokungasebenzi kwewebhusayithi ngamaxesha athile, nto leyo enokubangela ukuphazamiseka kwinkqubo yesicelo okanye intlawulo.

Kwicandelo leemali mboleko zexesha elifutshane eMzantsi Afrika, i-finance27 ikhuphisana nezinye iinkampani ezaziwayo ezifana ne-Wonga kunye ne-GetBucks, kunye neemveliso ze-overdraft ezinikezelwa ziibhanki ezinkulu. Umahluko ophambili we-finance27 kukubonelela kwayo ngexesha elide lokuhlawula elingama-63, okungaphezulu kunesiqhelo seentsuku ezingama-30 kubabolekisi bemali-mboleko abaninzi bemihla-ngemihla. Nangona kunjalo, ulwazi malunga nesabelo sayo sentengiso okanye izicwangciso zokukhula azibhengezwanga esidlangalaleni. Ukungabikho kwentsebenziswano ebhengeziweyo neebhanki okanye iinkampani ze-fintech kuthetha ukuba i-finance27 isebenza ngokuzimele kwiinkonzo zayo zedijithali.

Ingcebiso Esebenzayo Kubantu Abafuna Imali Mboleko

Njengomhlalutyi wezemali, ndihlala ndibongoza abantu ukuba baboleke imali ngobulumko nangokunyanisekileyo. Nantsi ingcebiso kubantu abacinga ngokuboleka imali kwi-finance27 okanye nakweyiphi na inkampani yemali mboleko:

1. Boleka Kuphela Into Oyifunayo Ngokwenene: Iimali-mboleko zemihla-ngemihla zenzelwe iimeko ezingxamisekileyo. Gwema ukuboleka imali ngeenjongo ezingabalulekanga.
2. Qonda Ngokucacileyo Amazinga Enzala Neerhafu: Ngaphambi kokusayina, qiniseka ukuba uyazi ukuba yimalini kanye oyihlawulayo, kubandakanya inzala kunye nazo zonke iirhafu ezinokubakho, ngakumbi iirhafu zokulibazisa. Buza imibuzo ukuba kukho nantoni na engacacanga.
3. Jonga Amandla Akho Okuhlawula: Qinisekisa ukuba unakho ngokwenene ukubuyisela imali mboleko ngaphakathi kwexesha elimisiweyo ngaphandle kokubeka uxinzelelo olukhulu kwimeko yakho yemali. Ukungakwazi ukuhlawula kungakhokelela kumatyala angaphezulu kunye neengxaki ezingaphezulu zemali.
4. Funda Imigaqo Neemeho Ngocoselelo: Oku kubaluleke kakhulu. Sukutsiba nayiphi na into. Iinkcukacha ezinjengezohlwayo zokulibazisa, iimeko zokungahlawuli, kunye nenkqubo yokuqokelela zihlala zifumaneka kule migaqo.
5. Jonga Ezinye Iindlela: Ngaphambi kokuba ubalezele kwimali mboleko yexesha elifutshane, qwalasela ezinye iindlela, ezifana nokuboleka kwabahlobo okanye kwintsapho, ukusebenzisa imali yakho yogcino (ukuba unayo), okanye ukujonga imixube yotyalo-mali engabizi kakhulu ezinikezelwa ziibhanki.
6. Qaphela Imbono Yabathengi: Uphicotho oluxubeneyo olufana nolu lwe-finance27 (2.3/5) kufuneka lukwenze uqaphele. Lumkela inkonzo yabathengi engekho mgumgangathwana okanye iingxaki zewebhusayithi, kuba oku kunokukuchaphazela kakubi xa ufuna uncedo olukhawulezayo.

I-finance27 inikezela ngesisombululo esiluncedo kwabo bafuna imali engxamisekileyo yexesha elifutshane eMzantsi Afrika, ngakumbi ngenxa yexesha layo elide lokuhlawula. Nangona kunjalo, njengayo nayiphi na imveliso yemali, kubalulekile ukuba uyisebenzise ngobulumko, ngokukhuthala, nangokuqonda okucacileyo kokubandakanyekayo. Ngokulandela le ngcebiso, unokwenza isigqibo esinolwazi kwaye ugweme izinto ezingalindelekanga.