MyBucks (GetBucks)

Intshayelelo nge-MyBucks GetBucks neMbali Yayo eMzantsi Afrika

I-MyBucks, ethi eMzantsi Afrika isebenze phantsi kwegama elithi GetBucks, yinkampani eboleka imali ngedijithali eyaziwayo. Le nkampani isebenza njengebhulorho phakathi kwabantu abangenalo unxibelelwano olwaneleyo kwiinkonzo zemali ezifana neebhanki zemveli nabadinga ukufikelela ngokukhawuleza kwimali. I-MyBucks S.A., ehlala eLuxembourg, yinkampani engumzali kule nto, kwaye i-GetBucks Proprietary Limited eMzantsi Afrika, ebhaliswe njenge-NCRCP5512, yeyona isebenzayo.

I-GetBucks yaqala ukusebenza eMzantsi Afrika ngonyaka ka-2011. Ukususela ngoko, iye yazakhela igama ngokusebenzisa ubuchwepheshe bedijithali kunye nokuhlalutya idatha ukubonelela ngemali ebolekiweyo engaxhaswanga ngesibambiso, ikakhulu kubasebenzi abahlawulwa imivuzo nakwabo basebenza kwicandelo elingekho sesikweni abafumana kunzima ukuboleka kwii-bhanki eziqhelekileyo. Inkqubo yabo yokuvavanya ukufaneleka kokuboleka imali isekelwe kwidatha, nto leyo evumela ukuba banike iimpendulo ezikhawulezayo malunga nezicelo zemali.

Inkqubo yabo yeshishini igxile kakhulu kwiqonga ledijithali, elibandakanya usetyenziso lweselula kunye newebhusayithi. Oku kubenza bakwazi ukufikelela kubathengi kwilizwe lonke, benikezela ngemali ebolekiweyo "yomvuzo" kunye nemali ebolekiweyo yexesha elifutshane enokuhlawulwa ngezigaba. Abaphathi abaphambili beqela le-MyBucks babandakanya uCraig Lyons (uSihlalo weKomiti yeSigqeba), uRiaan Paul (uMphathi wezeMali weQela), uPatrick Matute (uMphathi Omkhulu we-MyBucks Africa), kunye noMark Young (uMphathi Omkhulu we-GetBucks South Africa).

Iimveliso zeMali Ebolekiweyo, Amanqanaba Enzala, neeRhafu

I-GetBucks inikezela ngohlobo olwahlukeneyo lweemveliso zemali ebolekiweyo ezilungiselelwe iimfuno ezahlukeneyo zabathengi:

• Imali Ebolekiweyo Ngokukhawuleza (Payday Loans): Ezi yimali ebolekiweyo yexesha elifutshane, engaxhaswanga ngesibambiso, ekufuneka ihlawulwe phakathi kweentsuku ezi-7 nezingama-45, kwaye kwezinye iimveliso, ukuya kuthi ga kwiintsuku ezingama-56. Zilungiselelwe ukugubungela iingxaki zemali ezingxamisekileyo phakathi kwemivuzo.
• Imali Yobuqu esekelwe kwi-"Trust-Level": Kubathengi abathe baboleka ngaphambili kwaye bahlawula ngexesha, i-GetBucks inikezela ngemali ebolekiweyo enenani elikhulu kunye nexesha elide lokuhlawula, ukuya kuthi ga kwiintsuku ezingama-60. Oku kusetyenziswa xa umboleki wakha ithemba nenkampani.
• Imali Ebolekiweyo YokuHlela Amatyala (Rehabilitation Loans): Le mveliso yenzelwe abathengi abakwinkqubo yokujonga amatyala. Ibasiza ukuba bahlele kwakhona izibophelelo zabo ezininzi zibe sisigxina esinye esinokuhlawulwa. Ixesha lokuhlawula lingaba phakathi kweenyanga ezi-6 ukuya kwezingama-60.

Amanani emali ebolekiweyo aqala ku-R500 kwaye angabakho ukuya kuthi ga ku-R4,000. Kubathengi abakumanqanaba aphezulu e-"Trust Level", inani eliphakamileyo lingafikelela ku-R8,000. Amanqanaba enzala alawulwa yi-National Credit Act yaseMzantsi Afrika. Elona nqanaba liphakamileyo lenzala yi-60% ngonyaka. Nangona kunjalo, i-"Annual Percentage Rate" (APR), ebandakanya zonke iirhafu kunye nenzala, ihlala iphakathi kwe-60% kunye ne-120%, kuxhomekeke kwixesha lokuboleka kunye nenani.

Ngokuphathelele kwiirhafu, i-GetBucks ibiza:

• Irhumo yokuqala/yokuqhuba: Le ihlala iyiphesenti ye-10-20% yenani lemali ebolekiweyo kwaye idityaniswa kwinani eliphambili.
• Irhumo yokulibazisa ukuhlawula: Ukuya kuthi ga ku-R150 okanye iphesenti yenani eliseleyo elingekahlawulwa, ngokwemigaqo ye-National Credit Act.
• Iirhumo zenkonzo: Ezi ziirhumo zolawulo zemihla ngemihla okanye zeenyanga ezidityaniswe kwi-APR.

Zonke iimveliso ze-GetBucks azixhaswanga ngesibambiso. Nangona kunjalo, kwiimali ebolekiweyo ezixhunyaniswe nabaqeshi okanye kwimali yokuHlela Amatyala, kungafuneka isabelo somvuzo.

Inkqubo Yesicelo, UkuSebenza, nobuChwepheshe

Inkqubo yokufaka isicelo nge-GetBucks ilula kwaye yenziwa ngedijithali. Abathengi banokufaka izicelo ngeendlela ezimbini eziphambili:

• Usetyenziso Lweselula (Mobile App): Lufumaneka kwi-Android nakwi-iOS, usetyenziso lunika abathengi ukuba bafumane izicengcelezo zemali ngokukhawuleza, babone amanqanaba abo e-"Trust Score", kwaye basebenzise i-"loan calculator". Lufumene amanqaku aphezulu kwiivenkile zosetyenziso (i-4.2★ kwi-Play Store; i-4.5★ kwi-App Store).
• Iwebhusayithi (Website): Abathengi banokufaka izicelo, balawule iimali zabo ebolekiweyo, kwaye bafumane inkxaso nge-chat kwiwebhusayithi.

Inkqubo yokuchonga umntu (KYC) yeyona ibalulekileyo. I-GetBucks ifuna inombolo yesazisi yaseMzantsi Afrika, ingxelo yebhanki, okanye iiphepha zomvuzo ukuze kuqinisekiswe ukuba ungubani umntu. Kukho kwakhona ukujongwa kobuqhetseba okuzenzekelayo, ukuqinisekiswa kwenombolo yeselula nge-OTP, kunye nokuqinisekiswa kwedilesi.

Inkqubo yabo yokuvavanya ukufaneleka kokuboleka imali isekelwe kwialgorithm yabo ekhethekileyo, esebenzisa idatha yeentengiselwano zebhanki, amanqaku e-credit bureau, imbali yokuqeshwa, iipathini zokusetyenziswa kweselula, kunye nedatha yokuziphatha okuncinci. Le nkqubo yabela amanqanaba e-"Trust Level" (ukusuka ku-T1 ukuya ku-T5), nto leyo evula amathuba okufumana amanani aphezulu emali ebolekiweyo xa umboleki ehlasela ngokuqhubekayo.

Xa imali ivunyiwe, i-GetBucks iyayihlawula ngeendlela ezahlukeneyo:

• Ukudlulisela Kwebhanki (EFT): Kwii-akhawunti zebhanki zaseMzantsi Afrika, ngokuqhelekileyo ngosuku olunye kubafaki-zicelo abavunyiweyo.
• Imali Yeselula (Mobile Money): Ngezo zihlawulelwa ngamaqabane abo kwiindawo ezisemaphandleni.
• Imali Ebambekayo (Cash): Ngamaqabane abathengisi kwiimali ezithile zokuHlela Amatyala.

Ukuqokelelwa kwemali nokubuyisela kwakhona kubandakanya izikhumbuzo ze-SMS ne-email, iqonga lokuhlawula elikwi-app, kunye nokusebenzisana namaqabane okuqokelela amatyala. Abathengi abanenxaki baya khona ukuze bafumane isiluleko ngengxaki yetyala.

Ulawulo Lwezomthetho, Indawo Yentengiso, kunye Namava Abathengi

I-GetBucks isebenza ngokuhambelana nemithetho yaseMzantsi Afrika. Ibhaliswe kwi-National Credit Regulator (NCR) phantsi kwenombolo ye-NCRCP5512 kwaye ihambelana ngokupheleleyo ne-National Credit Act 34 ka-2005. Iinkampani zokuboleka imali zifanele zithobele imigaqo engqongqo yokulawula inzala kunye neentlawulo. I-GetBucks ibonakala ihambisana nale migaqo, kwaye akukho zigwebo zikhulu zibhalwe esidlangalaleni ngayo eMzantsi Afrika. Ikwasebenzisa iindlela zokukhusela abathengi ezibandakanya ukuveza ngokucacileyo iirhafu, ukuvavanya ukuba umboleki unako na ukuyihlawula imali, kunye nokunika iinketho zokuHlela Amatyala.

Kwimarike yaseMzantsi Afrika, i-GetBucks inenxaxheba ekulinganiselwa kwi-5-8% kwimarike yemali ebolekiweyo yexesha elifutshane ngedijithali. Ikhuphisana nezinye iinkampani ezifana ne-Capfin kunye neebhanki ezinkulu ezineenkonzo zokubolekisa ngemali encinci. Eyona nto iyenza yahluke kwiikhuphiswano zayo bubuchwepheshe bayo obusekelwe kwidatha bokuvavanya ukufaneleka kokuboleka imali, inkqubo yabo ye-"Trust Score" evuza abathengi abathembekileyo, kunye neemveliso zokuHlela Amatyala ezisebenzisana nabaqeshi.

I-GetBucks inezicwangciso zokukhula, ezibandakanya ukwazisa ngemali ebolekiweyo ye-SME phantsi kwe-GetBanked kunye neemveliso ze-inshorensi nge-GetSure. Baphonononga kwakhona ubambiswano neenkampani zokunxibelelana ngeselula ngemveliso yokuqhubela phambili umvuzo.

Ngokuphathelele kumava abathengi, i-GetBucks inamanqaku amahle kwiivenkile zosetyenziso. Abathengi abaninzi bayayithanda isantya sokufumana imali. Nangona kunjalo, kukho izikhalazo ezithile malunga namanqanaba aphezulu e-APR, ubunzima bokufikelela kwinkonzo yabathengi ngamaxesha axakekileyo, kunye neendlela ezinzima zokuqokelela amatyala xa umboleki engakwazi ukuhlawula. Inkxaso yabathengi iyahluka kodwa ibonelela nge-live chat, i-WhatsApp, kunye ne-email enempendulo phakathi kweeyure ezingama-24.

Isiluleko Kwabo Bafuna Ukuboleka Imali kunye neMeko yezeMali yeNkampani

Njengengcali yezezimali, kubalulekile ukuba ababoleki abanokubakho baqonde ngokucacileyo ukuba bafaka isicelo semali ebolekiweyo. Nantsi ezinye iziluleko ezisebenzayo:

• Qonda Imiqathango: Qinisekisa ukuba uyiqonda ngokupheleleyo i-APR, iirhafu zokuqala, kunye nezinye iirhafu ezidityanisiweyo kwimali ebolekiweyo. Amanqanaba enzala kwimali ebolekiweyo yexesha elifutshane ahlala ephezulu kakhulu kunezo zeebhanki zemveli.
• Vavanya Ukukwazi Ukuhlawula: Ngaphambi kokuba ubuyiboleke imali, yenza uhlalutyo olunzulu lwezezimali zakho ukuqinisekisa ukuba unako ukuyihlawula ngaphandle kokubeka ubunzima kwimeko yakho yezezimali.
• Sebenzisa i-"Trust Score": Ukuba uhlela ngokuqhubekayo, amanqanaba akho e-"Trust Score" anokukwenza ufumane amanani aphezulu kunye neemiqathango ezingcono. Oku kukhuthaza ukuziphatha okuhle kwezezimali.
• Jonga Iinketho ZokuHlela Amatyala: Ukuba sele unamatyala amaninzi, imveliso yokuHlela Amatyala ye-GetBucks inokuba yindlela efanelekileyo yokuhlanganisa izibophelelo zakho zibe yinto enye elula ukuyilawula.
• Thelekisa: Musa ukuboleka kwinkampani yokuqala oyifumanayo. Thelekisa iimveliso ze-GetBucks nezinye iinkampani ezibolekisa ngedijithali eMzantsi Afrika ukuqinisekisa ukuba ufumana eyona nto ilungileyo.

Ngokuphathelele kwimeko yezezimali ye-MyBucks/GetBucks, kubalulekile ukwazi ukuba inkampani iyasebenza kwaye iyakhula, nangona iye yajongana nemingeni. Ingxelo yabo yengeniso yaseMzantsi Afrika yayiyi-R5.8 yezigidi ngonyaka wezezimali ka-2018. Nangona kunjalo, i-MyBucks S.A. yabika ilahleko enkulu emva kwerhafu ngenxa yentlangano entsha kunye nokuhla kwexabiso lemali. Kwicala elifanelekileyo, isiqingatha sabo semali ebolekiweyo eMzantsi Afrika sasimalunga ne-R400 yezigidi ngoJuni 2019. Amanqanaba okungahlawulwa (default rates) aye aphucuka ukusuka kwi-12-15% ukuya ngaphantsi kwe-10% ekupheleni kuka-2020, nto leyo ebonisa ulawulo olungcono lomngcipheko kunye neenkqubo zokuqokelela imali. Oku kubonisa ukuba i-GetBucks isasebenza ngamandla kwaye izama ukuhlala ixhaswa, inika ithuba lokufumana imali kubantu abaninzi baseMzantsi Afrika.