MPOWA

Inkcazo Jikelele yeNkampani yeMpowa nemvelaphi eMzantsi Afrika

I-Mpowa Finance (Pty) Ltd, ebhaliswe phantsi kweNombolo yeNkampani 2011/128825/07 kunye neNombolo yoMbhalisi weMboleko yeSizwe (NCR) NCRCP6666, yenye yeenkampani zokuqala zokubolekisa ngemali kwi-intanethi eMzantsi Afrika. Yasekwa ngonyaka ka-2008, i-Mpowa izibeke phambili njengomntu obolekisa ngedijithali kwimarike yaseMzantsi Afrika, inikezela ngeyona ndlela ikhawulezayo nethembekileyo kubantu abafuna imali ngokukhawuleza.

Le nkampani iphethwe ngabucala kwaye isebenza kwikomkhulu layo eliseGoli. Injongo yayo ephambili kukubonelela abantu baseMzantsi Afrika abaqeshweyo, abafumana umvuzo ongaphezulu kwe-R10 000 ngenyanga, ngeemali-mboleko zemihla-ngemihla (payday loans) okanye iimali-mboleko zexesha elifutshane ukulungiselela iingxaki zemali ezingalindelekanga. I-Mpowa igxininisa ekunikezeleni iinkonzo zayo ngokupheleleyo kwi-intanethi, nto leyo eyenza ukuba inkqubo ibe lula kwaye ikhawuleze, ngaphandle kwesidingo samasebe angokwenyama.

Into eyenza i-Mpowa yahluke kwabanye ababolekisi kukusebenzisa kwayo iteknoloji entsha. Basebenzisa indlela yokuvavanya ukukwazi komthengi ukuhlawula esebenzisa idatha enye (alternative data), ngokudibanisa nenkqubo ye-Gathr. Oku kuvumela ukuhlalutya ngokukhawuleza nangokuchanekileyo, ukunciphisa ubuqhetseba nokukhawulezisa ukuhlawulwa kwemali ngosuku olunye. Umntu olawula imisebenzi ye-Mpowa nguMnumzana Matthew Knowlden, okhokela iqela lezobuchwepheshe kule nkampani.

Iimveliso zeMboleko zeMpowa, Amanqanaba eNzala, Imirhumo neMigaqo

I-Mpowa igxininisa ekunikezeleni iimali-mboleko zabucala ezingakhuselekanga, oko kuthetha ukuba akufuneki isibambiso (collateral) ukuboleka imali. Ezi mali-mboleko zenzelwe ukunceda abantu abajongene nemfuno yemali yexesha elifutshane phakathi kweemihla zokuhlawulwa komvuzo.

Amanani eMboleko:

• Kubathengi abatsha, unokuboleka phakathi kwe-R500 ne-R7 000.
• Kubathengi ababuyayo, le mali inganyuka iye kuthi ga kwi-R8 000.

Amanqanaba eNzala (Interest Rates):

• Kwiimali-mboleko zokuqala, i-Mpowa ihlawulisa i-4.5% ngenyanga, nto leyo engathi yi-54% ngonyaka.
• Kwiimali-mboleko ezilandelayo, kwisithuba sonyaka omnye wekhalenda, inqanaba lenzala lihlala liphantsi kancinane, liyi-3% ngenyanga, okanye malunga ne-36% ngonyaka.
• Ireyithi yenzala yonyaka emelekileyo (Representative APR) ijikeleza phakathi kwe-36% ne-54%.

Ixesha Lokubuyisa (Repayment Terms):

• Iimali-mboleko ezintsha zihlala zihlawulwa kwisithuba se-30 ukuya kwi-45 iintsuku.
• Kwiimali-mboleko ezincinci (micro-loan segment), ixesha lokubuyisa liyakwazi ukuba zii-2 ukuya kwi-32 iintsuku.

Imirhumo (Fees):

Ngaphandle kwenzala, i-Mpowa ikwahlawulisa imirhumo ethile ehambelana neMali-mboleko yoMthetho weSizwe (National Credit Act):

• Umrhumo wokuqalisa (Initiation fee):
  • Kwiimali-mboleko ezingaphantsi okanye ezilingana ne-R1 000, umrhumo yi-R165 kunye ne-VAT (Irhafu yeXabiso Eliyongeziweyo).
  • Kwiimali-mboleko ezingaphezulu kwe-R1 000, umrhumo yi-10% yemali-mboleko kunye ne-VAT.
• Umrhumo Wenkonzo Wenyanga (Monthly service fee):
  • Kubekho umrhumo we-R60 ngenyanga kunye ne-VAT.
• Intlawulo Engafikanga Ngethuba (Late payment):
  • Ukuba awukwazi ukuhlawula imali yakho ngexesha elimisiweyo, kuya kubakho intlawulo yenzala eyongezelelweyo ye-3% ngenyanga kwimali esasele ingekahlawulwa. Ngaphezu koko, unokujongana nemirhumo ehlawulwa kubaqokeleli bamatyala bangaphandle xa ityala linikezelwa kubo.

Kubalulekile ukuqonda ukuba zonke ezi mali zongezwa kwimali oyibolekayo, kwaye zibalulekile ekucwangciseni uhlahlo-lwabiwo-mali lwakho.

Inkqubo yesicelo, Iimpawu zeWebhusayithi yeSelula neSimo soLawulo

Inkqubo yesicelo se-Mpowa yenziwe lula kwaye ikhawuleze, ngenxa yokuba isese-intanethi ngokupheleleyo. Akukho sidingo sokuya kwisebe okanye ukuhambisa amaxwebhu angokwenyama. Iwebhusayithi yabo ilungiselelwe kakuhle ukusetyenziswa kwizixhobo eziphathwayo, nto leyo eyenza ukuba inkqubo yokufaka isicelo ifikeleleke nangokusebenzisa iselula yakho.

Inkqubo yesicelo kunye neMfuneko:

• Ukufaka isicelo kwi-intanethi: Bonke abafaka izicelo kufuneka bazalise ifomu yesicelo kwiwebhusayithi ye-Mpowa.
• Amaxwebhu afunekayo: Uya kufuneka ulayishe (upload) izingxelo zakho zasebhanki zezinyanga ezintathu zokugqibela okanye iirisithi zakho zomvuzo. Ezi zisetyenziselwa ukuqinisekisa umvuzo wakho kunye nemeko yakho yezemali.
• Ukuqinisekiswa kwesivumelwano: Emva kokuba isicelo sakho sivunyiwe okanye sifikelele kwinqanaba elithile, uya kufuna ukurekhoda ilizwi lakho uqinisekisa iinkcukacha zesivumelwano, oku kwenziwa ngocingo.

Indlela yokuVavanya umBoleki (Underwriting Methodology):

I-Mpowa isebenzisa iteknoloji ye-Gathr ukwenza uvavanyo oluzenzekelayo lokukwazi ukuhlawula. Le nkqubo ihlalutya idatha yeentengiselwano zakho zebhanki zezinyanga ezintandathu, nto leyo eyenza uvavanyo oluchanekileyo nolukhawulezayo lomngcipheko. Oku kunciphisa ubuqhetseba kwaye kuqinisekisa ukuba imali-mboleko ibonelelwa kuphela kubantu abanokukwazi ukuyihlawula ngaphandle kokuzifaka engxakini. Ikwenza nokuqinisekiswa kwengqesho kunye nomvuzo ngokuphanda kwiingxelo ezithunyelweyo.

Ukuhlawulwa kweMali:

Ukuba isicelo sakho sivunyiwe ngaphambi kwe-3 emva kwemini (ngexesha laseMzantsi Afrika) ngosuku olusebenzayo, imali iya kuhlala ifakwa kwiakhawunti yakho yebhanki ngosuku olunye. Oku kubaluleke kakhulu kubantu abajongene neemeko ezingxamisekileyo zemali.

Inkqubo yokuQokelela iMali nokuBuyisa:

I-Mpowa iqhagamshelana nabaqeshi bayo ngaphambi kwexesha lokuhlawula ukuze kuqinisekiswe ukuba bayakwazi ukuhlawula. Ukuba kukho iingxaki, bazama ukusebenza nomboleki ukuze bafumane isisombululo. Nangona kunjalo, ukuba intlawulo ayenziwanga, ityala liya kunikezelwa kubaqokeleli bamatyala bangaphandle, nto leyo enokubangela imirhumo eyongezelelweyo kwaye ingakuchaphazela kakubi irekhodi lakho letyala (credit profile) kwi-NCP (National Credit Provider).

Isimo soLawulo kunye neLayisenisi:

I-Mpowa Finance ibhaliswe ngokusemthethweni njengomboneleli wemali-mboleko kwi-National Credit Regulator (NCRCP6666). Oku kuthetha ukuba isebenza phantsi kwemigaqo-nkqubo ye-National Credit Act No. 34 ka-2005, umthetho olawula zonke iinkonzo zemali-mboleko eMzantsi Afrika. I-Mpowa ibambelela kule mithetho ngokungqongqo, iqinisekisa ukuba amanqanaba ayo enzala kunye nemirhumo ayidluli kwimida ebekwe ngumthetho. Akukho zirekhodi zikawonke-wonke zezohlwayo okanye iziqhano ezibekwe kwi-Mpowa, oku kubonisa ukuthobela kwayo imithetho yokhuseleko lwabathengi.

Ukuphononongwa kwabaThengi, Isikhundla seMarike nabaKhuphisana

Ukuphononongwa kwabathengi ngamalungu e-Mpowa kuhlala kubonisa ukukhawuleza nokulula kwenkonzo. Abantu abaninzi bayayithanda inkqubo yokufaka isicelo ekhawulezayo kunye nokuhlawulwa kwemali ngosuku olunye. Amabali empumelelo abonisa ukuba abantu bakwazile ukufumana inkxaso-mali ngokukhawuleza ukuhlawula imali yesikolo, ukuthenga iigrosari, okanye ukujongana neemeko ezingxamisekileyo ngaphandle kokushiya iidesika zabo. Inkonzo yabathengi nayo ihlala ichazwa njengehambelana kwaye inceda.

Nangona kunjalo, kukho ezinye izikhalazo ngamanqanaba enzala aphezulu xa kuthelekiswa namabhanki emveli, kunye neengxaki ezincinci zokusebenza kwewebhusayithi ngamanye amaxesha. Kubalulekile ukuba abantu baqonde ukuba iimali-mboleko zexesha elifutshane, ngokwendalo, ziza namanqanaba enzala aphezulu ngenxa yomngcipheko omkhulu ofumaneka kubabolekisi.

Isikhundla Sentengiso nabaKhuphisana:

I-Mpowa isebenza kwimarike enokhuphiswano olukhulu eMzantsi Afrika, kwaye abakhuphisana bayo abaphambili babandakanya abanye ababolekisi bemali-mboleko yemihla-ngemihla ababhaliswe kwi-NCR, njenge-Wonga ne-GetBucks. Into eyenza i-Mpowa yahluke yindlela yayo ekhethekileyo yokusebenzisa idatha yeentengiselwano ezongeziweyo ukuze kuphuculwe uvavanyo lokukwazi ukuhlawula kunye nokunciphisa umngcipheko wobuqhetseba. Ukudibanisa ngobuchule ne-Gathr kuyenza ikwazi ukuhlola ngokuchanekileyo nangokukhawuleza.

Ngelixa i-Mpowa ingenalo isicelo seselula esizimeleyo, iwebhusayithi yayo elungiselelwe kakuhle izixhobo eziphathwayo ibonelela ngamava afanayo. Iqela labathengi layo lihlala likhula, njengoko kuboniswa ngabalandeli abangaphezulu kwe-18 000 kuFacebook kunye nabalandeli abayi-179 kwi-LinkedIn. Oku kubonisa ubukho obuqinileyo kwi-intanethi kunye nentsebenziswano elungelelaniswe nedijithali.

Intsebenziswano neenkampani zeteknoloji yezemali (fintechs) ezifana ne-Gathr ibonisa ukuba i-Mpowa iqhubeka nokutyala imali kwiteknoloji kwaye inokuba namathuba okwandisa uhlobo lweemveliso zayo kwixesha elizayo. Ingeniso yonyaka ye-Mpowa iqikelelwa ukuba yi-5.1 yezigidi zeedola zaseMelika ngo-2024, nangona olu qikelelo lungaqinisekiswanga ngokusesikweni.

Ingcebiso eLungileyo kubo abaNokuboleka imali kwi-Mpowa

Ngaphambi kokuba ufake isicelo semali-mboleko kwi-Mpowa okanye nakweluphi na umbolekisi, kubalulekile ukuba uqwalasele ngocoselelo ezi ngcebiso zilandelayo:

1. Vavanya Imfuno Yakho: Zibuze ukuba ingaba le mali-mboleko iyimfuneko ngokwenene. Iimali-mboleko zexesha elifutshane zenzelwe iimeko ezingxamisekileyo, hayi ukulungisa iingxaki zemali zexesha elide okanye ukuhlawula iindleko ezingabalulekanga.
2. Qonda Imiqathango Ngokucacileyo: Qinisekisa ukuba uyawazi onke amanqanaba enzala, imirhumo yokuqalisa, imirhumo yenkonzo yenyanga, kunye neentlawulo zokungahlawuli ngexesha. Bala ingaba ingakanani imali oya kuyihlawula iyonke. Khumbula ukuba i-4.5% ngenyanga phezulu kakhulu kuneenzala zamabhanki eziqhelekileyo.
3. Hlola Amandla Akho Okuhlawula: Yenza uhlahlo-lwabiwo-mali olunzulu ukuqinisekisa ukuba uya kukwazi ukuyihlawula imali-mboleko ngexesha elimisiweyo ngaphandle kokuzifaka engxakini. Ukungahlawuli ngexesha kunokuchaphazela kakubi irekhodi lakho letyala kwaye kubangele intlawulo eyongezelelweyo.
4. Thelekisa nabaKhuphisana: Jonga eminye imiboneleli yemali-mboleko ebhaliswe kwi-NCR kwaye uthelekise amanqanaba ayo enzala, imirhumo kunye nemiqathango. Musa ukuboleka kwindawo yokuqala oyifumanayo ngaphandle kokuphanda.
5. Qaphela Iziphumo Zokungahlawuli: Ukungahlawuli imali-mboleko kunokubangela ukuba irekhodi lakho letyala lonakale, nto leyo enokukwenza kube nzima ukufumana iimali-mboleko kwixesha elizayo. Kuya kubakho neentlawulo ezongezelelweyo kubaqokeleli bamatyala.
6. Sebenzisa Ngobuchule: Iimali-mboleko ze-Mpowa zilungile kwiimeko zokunqongophala kwemali yexesha elifutshane. Musa ukuxhomekeka kuzo njengesisombululo esisisigxina seengxaki zakho zemali.
7. Funda Isivumelwano Esipheleleyo: Ngalo lonke ixesha, ngaphambi kokuba usayine okanye uvume isivumelwano, funda yonke imiqathango. Ukuba kukho nantoni na ongayiqondiyo, buza kwi-Mpowa ukuze ikucacisele.
8. Jonga Ubhaliso lwe-NCR: Qinisekisa ukuba umbolekisi (njenge-Mpowa ene-NCRCP6666) ubhaliswe kwi-National Credit Regulator. Oku kukhusela wena njengomthengi kwaye kuqinisekisa ukuba umbolekisi usebenza ngokusemthethweni.

Ngokulandela le ngcebiso, ungenza isigqibo esinolwazi kwaye usebenzise iinkonzo ze-Mpowa ngobuchule obukhulu.