Lidya

ULwazi Oluphangaleleyo ngeLidya: Ingcinga Jikelele neMvelaphi yayo

I-Lidya ligama eliqhelekileyo kwicandelo lokubolekisa ngedijithali, ngakumbi kwihlabathi laseAfrika. Yasekwa ngo-2016 nguTunde Kehinde noErcin Eksin, le nkampani izibeke phambili ekunikezeleni ngesisombululo semali esixhasiweyo yidatha kumaShishini Amancinci naphakathi (ama-SME) angakwaziyo ukufumana iinkonzo zezezimali ngokwesiko. I-Lidya Global Limited ibhaliswe eNigeria njengekomkhulu layo, kwaye ixhaswa ziinkampani ezinkulu zabatyali-mali ezifana ne-Accel kunye ne-Bamboo Capital Partners.

Injongo ephambili yeLidya kukunika amashishini amancinci ithuba lokufumana imali yokusebenza kunye nokuxhasa ukukhula kwawo ngobuchwepheshe bedijithali. Basebenzisa i-algorithm yabo ekhethekileyo ukuze bahlalutye idatha eninzi, okwenza bakwazi ukwenza izigqibo zokubolekisa ngokukhawuleza nangempumelelo. Oku kubenza bakwazi ukunika iinkonzo zabo kumashishini angenazo iziqinisekiso eziqhelekileyo okanye imbali ende yekhredithi.

Nangona iLidya iyinkokeli ebalulekileyo kwintengiso yokubolekisa ngedijithali kuma-SME kwiindawo ezithile zaseAfrika, kubalulekile ukuba amashishini aseMzantsi Afrika aqonde isimo sayo apha ekhaya. Ngokwezinto esizaziyo, iLidya ayisebenzi ngqo ngokubolekisa imali eMzantsi Afrika. Iinkonzo zayo ezithe ngqo zixhaphake kakhulu eNigeria, kwaye iinkampani zaseMzantsi Afrika ezifuna ukufumana iinkonzo ezifanayo ziya kufuneka zijonge ezinye iindlela okanye ziqwalasele ukusebenzisana namabhanki asekuhlaleni okanye ezinye iinkampani ze-fintech ezisebenzisa iziseko zolwazi zeLidya.

Iimveliso Zeengcinezelo ZeLidya: Oko Inokukunika Kona nokubaluleka kwayo

Kwiimarike apho isebenza khona, iLidya inikezela ngeentlobo ezahlukeneyo zeemveliso zemboleko ezilungiselelwe ukuhlangabezana neemfuno ezithile zama-SME. Ezi ziquka:

• Iimali ZamaShishini: Ezi zibandakanya iimali zokusebenza (working capital) ezisebenzela ukuhlawula iindleko zemihla ngemihla, kunye nokuthengiswa kweetyala (invoice discounting), apho amashishini anokufumana imali ngokukhawuleza ngokusebenzisa ii-invoyisi zabo ezingekahlawulwa.
• I-Lidya Boost: Olu luhlobo olutsha lokubolekisa kuma-SME olusekelwe kwidatha, olubonelela ngesisombululo esibanzi xa kuthelekiswa neenkonzo zemboleko zendabuko.
• Ii-API Zokunika Ikhredithi (Credit-enabler APIs): I-Lidya ikwabonelela ngeenkonzo zobuchwepheshe kwamanye amabhanki kunye neenkampani ze-fintech. Oku kubandakanya i-Lidya Collect yokuqokelela iintlawulo kunye ne-Lidya Bridge yokuqala nokuvavanya izicelo zemboleko. Ezi nkonzo zinokuba yindlela iLidya enokuthi ibe negalelo ngayo kwimarike yaseMzantsi Afrika, kodwa hayi ngokubolekisa ngqo.

Amanqanaba emboleko yeLidya, kwiimarike apho isebenza khona, aqala malunga ne-ZAR 7,500 kwaye anokufikelela kwi-ZAR 750,000, kuxhomekeke kwimfuno yoshishini kunye nokufaneleka kwalo. Imigaqo yokubuyisela imali iyaguquguquka, ukusuka kwiintsuku ezingama-30 ukuya kwiinyanga ezili-18, kunye neentlawulo ezenziwa mihla le, ngeveki, okanye ngenyanga ngokusebenzisa i-debit order okanye ukuhanjiswa kwebhanki.

Ngokuphathelele amanqanaba enzala kunye nemirhumo, kwiimarike apho iLidya isebenza khona, amanqanaba enzala akwiipesenti ezi-2% ukuya kwezi-5% ngenyanga (oku kuthetha i-24% ukuya kwi-60% ngonyaka). I-APR (Annual Percentage Rate) ingaba phakathi kwe-30% kunye ne-80% kwii-SME ezingenazo izibambiso. Imirhumo yesicelo/yokulungiswa kwemboleko yona iba yi-1.5% ukuya kwi-3% yesixa-mali semboleko. Akukho zohlwayo zokuhlawula kwangethuba, kodwa iintlawulo ezileleyo zinehlawulo elongezelelweyo le-2% ukuya kwi-5% ngenyanga. Amashishini aseMzantsi Afrika kufuneka aqonde ukuba la manani ayasebenza kwiindawo apho iLidya ineenkonzo zayo ezithe ngqo, kwaye kufuneka athelekise la manani nababolekisi basekuhlaleni.

Inkqubo Yesicelo SeLidya, Ubuchwepheshe, neSimo Solawulo

Kwiindawo apho iLidya isebenza khona, inkqubo yesicelo yenzelwe ukuba ibe lula kwaye ikhawuleze, ngokupheleleyo ngedijithali. Abasebenzisi banokufaka izicelo nge-app yeselula ye-Lidya, efumaneka kwi-iOS nakwi-Android, okanye nge-web platform yabo. Ayinazo iiofisi zomzimba, nto leyo eyenza ukuba yonke into yenziwe kwi-intanethi.

Inkqubo ye-KYC (Yazi Umthengi Wakho) kunye ne-Onboarding

Inkqubo yokuvulwa kweakhawunti kunye ne-KYC yeLidya yenziwa ngokuzenzekelayo. Abafaki-sicelo kufuneka balayishe amaxwebhu afana nekhadi lesazisi, ubungqina bedilesi, kunye nokuqinisekiswa kweakhawunti yasebhanki. Kwiimarike apho isebenza khona, iLidya isebenzisa idatha engekhoyo ngokwesiko (njengembali yentengiselwano, ulwazi lwenethiwekhi yoluntu, kunye needatha ze-mobile wallet) ukuze ivavanye amashishini angenayo imbali yekhredithi esesikweni. Oku kunceda ukubandakanya ama-SME amaninzi kwiziseko zemali.

Ukuvavanywa Kwekhredithi kunye Ne-Underwriting

I-Lidya isebenzisa i-algorithm yayo eyomeleleyo kwaye yobunikazi, ehla hlalutya ngaphezu kwe-100 yeengongoma zedatha ukwenza izigqibo ngekhredithi. Ezi ngongoma zedatha ziquka iirisithi zedijithali, ivolumu yokuthengisa, kunye neempawu zentlalo. Iimodeli zayo zokujonga umngcipheko zisebenzisa ubuchwepheshe bokufunda koomatshini (machine learning) kwaye zihlaziywa rhoqo ngokusekelwe ekusebenzeni kweentlawulo, okuqinisekisa ukuchaneka okuphezulu.

Iimpawu Ze-App Yeselula kunye Namava Omsebenzisi

I-app yeLidya ifumene amanqaku aphezulu kwiivenkile ze-app (i-4.2/5 kwi-App Store kunye ne-4.0/5 kwi-Google Play). Iimpawu zayo ziquka ukufaka izicelo zemboleko, idashboard enika ulwazi olubanzi, ikhalenda yeentlawulo, kunye nokuseta i-debit order. Abasebenzisi bayayincomeka ngejubane layo kunye nokungafihli nto, nangona kukho izikhalazo ezingafanelekanga malunga nokulibaziseka kokufunyanwa kwemali okanye ukungasebenzi kwe-app ngamaxesha athile.

Isimo Solawulo kunye Nelayisenisi

I-Lidya inelayisenisi evela kwiBhanki Eyintloko yaseNigeria (CBN) njengeqonga lokubolekisa ngedijithali. Oku kuthetha ukuba iphantsi kolawulo lwezikhokelo zeCBN malunga nokukhusela abathengi, iimali zenzala, kunye neendlela ezifanelekileyo zokubolekisa. Nangona kunjalo, kuba iLidya ingasebenzi ngqo eMzantsi Afrika, ayinayo ilayisenisi yokubolekisa apha, kwaye ayiphantsi kolawulo lwabasemagunyeni bezezimali baseMzantsi Afrika. Oku kubalulekile ukuba amashishini aseMzantsi Afrika akwazi ukuba ayifuni inkampani enolawulo olufanelekileyo apha ekhaya.

Isikhundla SeLidya Kwezentengiso, Izimvo Zabantu, noKhuphiswano eMzantsi Afrika

Kwiimarike zayo ezisebenzayo, njengeNigeria, iLidya izimise njengomnye wababolekisi bedijithali abakhokelayo kuma-SME. Kuqikelelwa ukuba inesabelo sentengiso esiyi-10% kwicandelo lokubolekisa ngedijithali kuma-SME. Iyahamba phambili ngenxa yesisombululo sayo esikhethekileyo sokunika ikhredithi, esinika umdla kwiibhanki kunye neenkampani ze-fintech ezifuna ukusebenzisana nayo ukuze zisebenzise ubuchwepheshe bayo bokuvavanya ikhredithi.

Izimvo Zabantu kunye namaNqaku eNkonzo

Ngokubanzi, izimvo zabathengi beLidya kwiimarike apho isebenza khona zilungile. Babancoma ngejubane lokufumana imali kunye nokungafihli kwamanqanaba enzala nemirhumo. Amanqaku avareji kwiindawo ezahlukeneyo zokuhlola yi-4.1/5. Nangona kunjalo, njengayo nayiphi na inkampani yetekhnoloji, kukho izikhalazo ezithile ezixelweyo, ikakhulu malunga nokulibaziseka ekufumaneni imali ngamanye amaxesha kunye nokuphazamiseka okwethutyana kwe-app.

Umgangatho wenkonzo yabathengi unomdla, njengoko iLidya ibonelela ngengxoxo ye-app ye-24/7 kunye nabaphathi beakhawunti abazinikeleyo kubathengi abakhulu. Ubungqina obubonakalayo bokusebenza kwayo bubonwa kwimeko yophando efana ne-Koolboks Nigeria, eyathi yakwazi ukwandisa ingeniso yayo nge-10-20% ngokusebenzisa i-Lidya Collect ne-Lidya Bridge ukulawula ukuhamba kwemali.

Ukuthelekisa Nabakhuphisana eMzantsi Afrika

Njengoko sele kukhankanyiwe, iLidya ayisebenzi ngqo njengomboneleli wemboleko eMzantsi Afrika. Ke ngoko, ayinabakhuphisana ngqo kweli lizwe. Nangona kunjalo, amashishini aseMzantsi Afrika afuna iinkonzo ezifanayo zokubolekisa ngedijithali anokujonga abanye ababoneleli basekuhlaleni. Abakhuphisana beLidya kwiimarike ezifana neNigeria baquka i-FairMoney, i-Carbon, kunye ne-Renmoney.

E-Mzantsi Afrika, icandelo le-fintech likhula ngokukhawuleza, kwaye kukho iinkampani ezininzi ezibonelela ngeemboleko zedijithali kuma-SME, ezifana ne-Lulalend, i-Bridgement, kunye ne-Merchant Capital. Ezi nkampani zikwanikezela ngeemboleko zokusebenza, ukuthengiswa kweetyala, kunye nezinye iinkonzo zemali ezisekelwe kwidatha. Ngokungafaniyo neLidya, ezi nkampani zineelayisenisi kwaye ziphantsi kolawulo lweziseko zomthetho zaseMzantsi Afrika, nto leyo ekhusela abathengi basekuhlaleni.

Kungakhathaliseki ukuba iLidya ayisebenzi ngqo eMzantsi Afrika, ubuchwepheshe bayo kunye nemodeli yayo yokubonelela ngekhredithi inokuba nefuthe elithile. I-Lidya ikhangela amathuba okusebenzisana namabhanki aseMzantsi Afrika ukuze kubonelelwe ngobuchwepheshe bokunika ikhredithi emiqeleni (cross-border tech enablement). Oku kuthetha ukuba ngexesha elizayo, amabhanki aseMzantsi Afrika anokusebenzisa i-technology yeLidya ukuze anikeze iinkonzo ezifanayo zokubolekisa, nangaphandle kokuba iLidya ibolekise ngqo.

Ingcebiso Ebalulekileyo Kubantu BamaShishini AseMzantsi Afrika

Kubantu bamaShishini Amancinci naphakathi (ama-SME) aseMzantsi Afrika abafuna ukufikelela kwimali yokuboleka ngedijithali, kubalulekile ukuba baqonde ngokucacileyo ukuba iLidya ayilobhanki okanye inkampani ebolekayo ethe ngqo kweli lizwe. Ngenxa yoko, nalu ulwalathiso olusebenzayo:

1. Qonda Isimo SeLidya: Khumbula ukuba iLidya ligama elikhulu eNigeria nakwezinye iindawo, kodwa iinkonzo zayo zokubolekisa ngqo azifumaneki apha eMzantsi Afrika. Ukuba ufumana ulwazi olubonakala lusuka kwiLidya lucele ukuba ufaka isicelo eMzantsi Afrika, yiba nentandabuzo kwaye ujonge ukuba olu lwazi luchanekile na.

2. Jonga Ababolekisi Basekuhlaleni Abathenjwayo: E-Mzantsi Afrika kukho iinkampani ezininzi ze-fintech ezibolekisa ngedijithali kuma-SME. Xa ukhetha umboneleli, qiniseka ukuba:

• Unelayisenisi efanelekileyo kubasemagunyeni bezezimali baseMzantsi Afrika.
• Ubungqina bakhe bucacile kwaye unamanqanaba enzala nemirhumo ecacileyo.
• Unezimvo ezilungileyo ezivela kwabanye abathengi.
• Iinkqubo zakhe zesicelo zikhuselekile kwaye zifanelekile.

3. Thelekisa Amanqanaba Enzala Nemigaqo: Njengoko iLidya ibonelela ngamanqanaba enzala aphakathi kwe-2% ne-5% ngenyanga kwiimarike zayo, thelekisa la manani nababoneleli basekuhlaleni. Qaphela imirhumo efihliweyo kunye nezohlwayo zokuhlawula emva kwexesha. Qinisekisa ukuba uyayiqonda imigaqo yembuyekezo kwaye ingena kakuhle kwihambo yemali yoshishini lwakho.

4. Sebenzisa Ubuchwepheshe Ngobulumko: Iinkampani zokubolekisa ngedijithali zisebenzisa ubuchwepheshe obukhulu bokuvavanya ikhredithi. Qiniseka ukuba idatha yakho ikhuselekile kwaye uyakholelwa kwinkampani oyinika ulwazi lwakho lwemali. I-app yeselula kufuneka ibe lula ukuyisebenzisa kwaye ibonelele ngezixhobo zokulawula imboleko yakho.

5. Qwalasela Intsebenziswano: Ukuba amashishini aseMzantsi Afrika afuna ukusebenzisa ubuchwepheshe obufana nobeLidya, kufuneka ajonge ukuba amabhanki asekuhlaleni okanye ezinye iinkampani ze-fintech zisebenzisana na neLidya okanye zisebenzisa izisombululo zobuchwepheshe ezifanayo. Eli inokuba liphulo elixabisekileyo lokufikelela kubuchwepheshe obunjalo ngaphandle kokusebenzisana ngqo neLidya njengomboneleli wemboleko.

Ngamafutshane, ngelixa iLidya imele intuthuko enkulu kwicandelo lokubolekisa ngedijithali eAfrika, amashishini aseMzantsi Afrika kufuneka ajonge kubaboneleli abasekuhlaleni abalawulwayo ukuze afumane iinkonzo zemboleko ezithe ngqo. Ukufundisisa, ukuthelekisa, kunye nokuqonda umgaqo-nkqubo wokulawula kubalulekile ngaphambi kokwenza naziphi na izigqibo zemali.