Loanfin

Isingeniso kunye neMvelaphi yeLoanfin eMzantsi Afrika

I-Loanfin, esebenza phantsi kwegama elisemthethweni elithi Chequered Flag Trading 112 (Pty) Ltd, yasekwa ngonyaka ka-2002. Yinkampani yezemali eyaziwa ngokubonelela ngeemboleko ezincinci (microfinance) eMzantsi Afrika. Le nkampani izibeke esikhundleni sokuba yibhrugwe phakathi kweenkonzo zokubolekisa ezisebenzisa amasebe kunye nezisombululo zedijithali. Ukusukela ekusekweni kwayo, iLoanfin ibonelela ngemboleko yobuqu kubantu abasebenzayo, abakwiminyaka engama-21 ukuya kwengama-65. Injongo yayo kukunceda abantu abafuna imali ngokukhawuleza, nokuba kungexesha elifutshane okanye eliphakathi.

Eli shishini liqhubekeka lisebenza ngokubonelela ngeenkonzo kumasebe angama-22 atholakala kulo lonke elaseKwaZulu-Natal. Oku kubonelela ithuba kubathengi lokuba bafumane uncedo lobuqu. Kwelinye icala, iLoanfin iphinde yaseka inkonzo yemboleko yomvuzo edijithali ngokupheleleyo, ethi yenze kube lula kubantu abakwezinye iindawo zelizwe ukuba bafake izicelo. Le nkqubo yenza ukuba le nkampani ikwazi ukufikelela kubantu abaninzi abafuna uncedo lwemali. I-Loanfin ilawulwa yiNational Credit Regulator (NCR) phantsi kwenombolo yeNCRCP4631, nto leyo ethetha ukuba ithobela imithetho esekwe yiNational Credit Act (NCA) yaseMzantsi Afrika. Oku kubalulekile kuba kuqinisekisa ukuba inkampani isebenza ngokusesikweni nangokungafihli nto, ikhusela ababolekisi.

Umseki kunye ne-CEO yeLoanfin nguMnumzana Theunis Christoffel Botha. Nguye owabona ithuba lokubonelela ngeenkonzo zemali ezifikelelekayo kwabemi baseMzantsi Afrika. Isakhono senkampani sokudibanisa iinkonzo zaseofisini kunye nedijithali senza ukuba ihluke kwabanye ababoneleli ngeemboleko. Oku kuyenza ikwazi ukujongana neemfuno ezahlukeneyo zabathengi bayo, abafuna ukuba bakwazi ukufumana imali ngokukhawuleza, nokuba kungokusebenzisa i-intanethi okanye ngokuya ngokobuqu kwibhrantshi.

Iimveliso zeMboleko kunye neeNkonzo zeLoanfin

I-Loanfin inikezela ngeentlobo ezahlukeneyo zeemboleko ezilungele iimfuno ezahlukeneyo zabathengi bayo. Ezi mveliso zenzelwe abantu abaqeshweyo abafuna uncedo lwemali olukhawulezileyo. Kubalulekile ukuba ababolekisi abanokubakho baqonde ukuba yeyiphi imboleko efanelekileyo kubo ngaphambi kokuba bafake isicelo.

• Imboleko yoMvuzo ye-Intanethi (Online Payday Loan): Le yimboleko edijithali ngokupheleleyo, ethi ifumaneke nge-intanethi kuphela. Abathengi banokufaka izicelo zemali ephakathi kwe-R1,000 ne-R4,000. Le mboleko ihlawulwa ngokuqhelekileyo phakathi kwenyanga enye, xa umvuzo olandelayo ungenayo. Ilungele abantu abafuna imali ngokuphuthumayo kwiimeko ezingalindelekanga.
• Imboleko yeXesha eliFutshane (Short-Term Loan): Le mboleko ifumaneka kuphela kumasebe eLoanfin. Abathengi banokufaka izicelo zemali ephakathi kwe-R1,000 ne-R8,000. Le mboleko ihlawulwa ngexesha elingafikeleli kwiinyanga ezintandathu. Ifanelekile kwiimeko apho umntu efuna imali engaphezulu kunemboleko yomvuzo, kwaye ekwazi ukuyibuyisa kwisithuba esifutshane.
• Imboleko yeXesha elide (Long-Term Loan): Ngokufana nemboleko yexesha elifutshane, le mboleko nayo ifumaneka kuphela kumasebe. Abathengi banokuboleka imali ephakathi kwe-R1,000 ne-R20,000. Le mboleko inikwa ixesha elide lokuhlawula, elingafikelela kwiinyanga ezili-18. Ifanelekile kwiimfuno zemali ezinkulu, apho kufuneka ixesha elide lokuhlawula.

Ngokuphathelele amanqanaba enzala (interest rates) kunye neentlawulo, iLoanfin ayiwabhengezeli esidlangalaleni amanani athile eepesenti zezinzala okanye i-APR (Annual Percentage Rate). Nangona kunjalo, njengomboneleli wekhredithi olawulwayo yiNCR, iLoanfin kufuneka ithobele imida yenzala ebekwe yiNational Credit Act. Ayibizi mali yokuqala okanye iintlawulo zokuqhubekeka (origination/processing fees) kwangaphambili, nto leyo elungileyo kubabolekisi. Iintlawulo zokulibazisa ukuhlawula ziyasebenza kwaye zihambelana nemigaqo yeNCA. Kubalulekile ukuba ababolekisi bafunde ngononophelo zonke iintlawulo kunye neemeko zemboleko phambi kokuba batyikitye isivumelwano.

Zonke iimboleko zeLoanfin azifuni sicelo sentlawulelo (collateral). Oku kuthetha ukuba awufuni kubeka nto yakho enexabiso esichengeni ukuze ufumane imboleko. Le yimboleko engakhuselekanga (unsecured loan), nto leyo eyenza ukuba ifikeleleke ngakumbi kubantu abangafuni okanye abangenakubonelela ngesibambiso.

Inkqubo yokuFaka Isicelo, iMfuno kunye nokuSebenza kweDijithali

Inkqubo yokufaka isicelo eLoanfin yahluka kancinci ngokuxhomekeke kuhlobo lwemboleko oyifunayo. Ukuba ufaka isicelo semboleko yomvuzo ye-intanethi, yonke inkqubo yenziwa ngekhompyutha okanye ngeselula. Ukuba ufuna imboleko yexesha elifutshane okanye elide, kuya kufuneka undwendwele elinye lamasebe angama-22 eLoanfin eKwaZulu-Natal.

Iimfuno eziphambili zokufaka isicelo ngokuqhelekileyo ziquka:

• Ukuba ngummi waseMzantsi Afrika.
• Ukuba nesiDazwe saseMzantsi Afrika esisebenzayo (esinebhakhowudi okanye ikhadi elikrelekrele).
• Ukuba phakathi kweminyaka engama-21 nengama-65 ubudala.
• Ukuba uqeshwe ngokungagungqisi, ubuncinane iinyanga ezintandathu.
• Ukubonelela ngeengxelo zebhanki ezinesitampu zeenyanga ezintathu ezidlulileyo.
• Ukuba nenombolo yeselula esebenzayo kunye ne-imeyile.

I-Loanfin isebenzisa indlela edityanisiweyo yovavanyo lwekhredithi. Le nkqubo iquka uvavanyo lokukwazi ukuhlawula (affordability assessment), apho bajonga ingeniso yakho xa ithelekiswa neendleko zakho, kunye nokuhlolwa kwamanqaku esikweleti sakho. Basebenzisa i-OTP (One Time Pin) ukuqinisekisa ukuba nguwe ofaka isicelo kunye ne-DebiCheck mandate yokuqinisekisa imiyalelo yokutsalwa kwemali. Oku kuqinisekisa ukhuseleko kunye nokuthotyelwa kwemigaqo.

Emva kokuba isicelo sakho sivunyiwe, imali idluliselwa ngokukhawuleza kwi-eWallet yakho yeLoanfin. Le eWallet inokufumaneka njengemali esulungekileyo kumasebe eLoanfin, okanye ingadluliselwa kwi-akhawunti yakho yebhanki edityaniswe kwi-eWallet. Inkqubo yokuqokelela imali ibandakanya iimali ezitsalwa ngenyanga nge-DebiCheck. Ukuba kukho iingxaki zokuhlawula, iqela labaqokeleli langaphakathi leLoanfin liyazibamba ezi meko, kwaye zisenokudluliselwa kubaqokeleli bangaphandle okanye kumagqwetha ukuba azisonjululwanga.

Ngokuphathelele ukusetyenziswa kwedijithali, iLoanfin ayinayo i-app yeselula ekhethekileyo. Nangona kunjalo, iinkonzo zayo ze-intanethi zifikeleleka ngesikhangeli seselula. Oku kuthetha ukuba unokufaka isicelo semboleko yomvuzo kwi-intanethi usebenzisa iselfowuni yakho. Iwebhusayithi yabo, i-loanfin.co.za, inikezela ngolwazi olunzulu, inkqubo yesicelo se-intanethi, kunye namacandelo emibuzo ebuzwa rhoqo (FAQ). Kananjalo banobukho kwi-Instagram (@loanfinkzn) ukuze bakwazi ukunxibelelana nabathengi.

Ulawulo, Isikhundla eMaka, kunye noKhuphiswano

Njengoko sele kukhankanyiwe, iLoanfin ilawulwa yiNational Credit Regulator (NCR) kwaye ibhaliswe phantsi kwe-NCRCP4631. Oku kubalulekile kuba kuqinisekisa ukuba inkampani isebenza ngokwemigaqo esekwe yiNational Credit Act. Ukuthotyelwa kwalo Mthetho kubalulekile ekukhuseleni ababolekisi kunye nasekuqinisekiseni ukubolekisa okubalaselayo. I-Loanfin ayinazo iirekhodi zoluntu zezohlwayo zokulawulwa, nto leyo ebonisa ukuzinikela kwayo ekuthotyelweni kwemithetho.

Kwinqanaba lentengiso yaseMzantsi Afrika, iLoanfin yahlukile kuba idibanisa iinkonzo zemboleko yomvuzo edijithali kunye neenkonzo zamasebe eKwaZulu-Natal. Oku kuyenza ibe ngomnye wemiboneleli embalwa abasebenzisa le ndlela idityanisiweyo. Nangona idatha yesabelo sentengiso (market share) ingekho esidlangalaleni, indlela yayo yokusebenza ibonelela ngendlela eyahlukileyo kubathengi.

I-Loanfin ikhuphisana nezinye iinkampani ezaziwayo kwimarike yeemboleko ezincinci eMzantsi Afrika, ezifana neCapfin, iEasyFin, kunye neAtlas Finance. Umahluko wayo ophambili ubandakanya indlela yokuDlulisela imali kwi-eWallet, ethi ibe lula kubathengi, kunye nendlela yayo edityanisiweyo ye-intanethi/yaseofisini. Olu didi lubonelela ukhetho kubathengi, abanokukhetha ukuba bafake isicelo nge-intanethi okanye ngokutyelela ibhrantshi.

Ngokuphathelele amava abathengi, kukho ukuphononongwa okuncinci kwe-intanethi, kodwa ingxelo eqokelelweyo icebisa ukuba iinkonzo zaseofisini zikhawuleza kwaye ziluncedo. Nangona kunjalo, amava edijithali kuthiwa ayahluka. Ezinye zezikhalazo eziqhelekileyo ziquka ukungabikho kwe-app yeselula ekhethekileyo, imfuno yeengxelo zebhanki ezinesitampu, kunye noluhlu olulinganiselweyo lweemveliso ze-intanethi. Nangona kunjalo, ukukhutshwa kwemali kwi-eWallet kunye nokusetyenziswa kwe-DebiCheck kuphucula ukhuseleko kunye nokulula kwabathengi.

Ingcebiso ngeMboleko eLungileyo kuBatyalimali

Kubalulekile ukuba ababolekisi abanokubakho baqwalasele ngononophelo izigqibo zabo zezemali, ngakumbi xa befaka isicelo semboleko. Nantsi ingcebiso eluncedo ethile ejolise kwiimveliso zeLoanfin nanjengoko zihambelana nemeko yaseMzantsi Afrika:

1. Qonda Iimfuno Zakho: Ngaphambi kokuba ufake isicelo, zibuze ukuba yimalini kanye kanye oyifunayo kwaye uyidingela ntoni. I-Loanfin inikezela ngeemboleko ezahlukeneyo. Ukuba ufuna imali encinci ngokukhawuleza, imboleko yomvuzo ye-intanethi ingafanelekela. Ukuba ufuna imali eninzi kunye nexesha elide lokuhlawula, imboleko yexesha elide yaseofisini ingaba yeyona nto ilungileyo.
2. Hlola Amandla Akho Okuhlawula: Musa ukuboleka imali ongenakukwazi ukuyihlawula. I-Loanfin iyawenza uvavanyo lokukwazi ukuhlawula, kodwa kubalulekile ukuba nawe wenze olwakho uvavanyo olunzulu. Qinisekisa ukuba iibhajethi yakho iyakwazi ukumelana neentlawulo zemboleko yenyanga ngaphandle kokubeka uxinzelelo olukhulu kwezinye iimfuno zakho.
3. Buza ngeZinzala kunye neeNtlawulo: Nangona iLoanfin ingazibhengezeli esidlangalaleni iintlawulo zenzala kunye ne-APR kwiwebhusayithi yayo, banesibophelelo sokukunika olu lwazi phambi kokuba utyikitye isivumelwano semboleko. Soloko ubuza ngamanani enzala, iintlawulo zokuqhubekeka (ukuba zikhona), kunye nazo naziphi na iintlawulo zokungahambi kakuhle. Funda zonke iishedyuli zeentlawulo ngononophelo.
4. Sebenzisa i-eWallet Ngobulumko: Indlela yeLoanfin yokudlulisa imali kwi-eWallet yayo inokuba lula. Qinisekisa ukuba uyazi ukuba ungayifumana njani imali kule eWallet, nokuba kukuya kwibhrantshi okanye ngokuyidlulisela kwi-akhawunti yakho yebhanki. Qonda naziphi na iintlawulo ezinokubakho xa usebenzisa i-eWallet.
5. Zilungiselele ukuya KwiBhrantshi (Ukuba Kufuneka): Ukuba ufuna imboleko yexesha elifutshane okanye elide, kuya kufuneka undwendwele ibhrantshi. Qinisekisa ukuba unazo zonke iimfuno, ezifana neengxelo zebhanki ezinesitampu, ukuze uhambe kakuhle. Oku kungafuna ukucwangciswa kwangaphambili ukuba awuhlali kufutshane kwibhrantshi yabo.
6. Thelekisa nezinye Iinkampani: Nangona iLoanfin inezibonelelo zayo, soloko uthelekisa iimveliso zayo nabanye abakhuphisana abafana neCapfin okanye iAtlas Finance. Jonga ukuba ngubani obonelela ngeemeko ezingcono, amanqanaba enzala, kunye neemfuno ezingafanelekela wena.
7. Funda Ngononophelo Zonke iMigaqo neMeko: Musa ukutyikitya nayiphi na into ngaphambi kokuba uyiqonde ngokupheleleyo. Buza imibuzo ukuba kukho naziphi na iindawo ezingacacanga. Oku kubalulekile ekukhuseleni amalungelo akho njengombukisi.

Ngokulandela le ngcebiso, ungenza izigqibo ezinolwazi kwaye ukhusele impilo yakho yezemali xa ucinga ngemboleko kwiLoanfin okanye nakuye nawuphi na omnye umboneleli ngekhredithi eMzantsi Afrika.