RainFin (Pty) Ltd

Inkcazelo Ngobume beNkampani yeRainFin kunye neMvelaphi yayo kuMzantsi Afrika

IRainFin (Pty) Ltd yinkokeli ekuboneleleni ngeengxikwana zedijithali eMzantsi Afrika, ibe ngowokuqala ukuqalisa indlela yokubolekisa phakathi kwabantu (peer-to-peer credit marketplace) kweli lizwe. Le nkampani yasekwa ngonyaka ka-2012, kwaye ukusukela ngoko, iye yakhula yaba ligama elingathembekileyo kwinkonzo yeengxikwana zedijithali. Ukwazisa kwabo indlela entsha yokubolekisa imali kuye kwatshintsha indlela abantu namashishini afikelela ngayo kwiimali kuMzantsi Afrika.

Ngokwenkqubo yobunini, iRainFin iyinxalenye yeLebashe Financial Services (Pty) Ltd, oluqhekeko lweLebashe Investment Group (Pty) Ltd. I Lebashe Financial Services ingumnini we-74.92% yesabelo seRainFin, nto leyo ebonisa ukuzinza okuqinileyo kwemali kunye nenkxaso eqinileyo. Oku kuhlanganiswa kwamandla kunika iRainFin amandla okuzinza nokukhula, isenokubonakala nakwixesha elizayo.

Ubume boshishino lweRainFin busekelwe kwindlela yokuqhagamshela ababolekisi bemali (abantu nabamaziko) kunye nababoleki abakufaneleyo ukufumana ingxikwana. Oku kubenza bakwazi ukunikezela ngamanqanaba enzala akhuphisanayo kunye nemali ehlawulelwayo ecacileyo. Imarike ekujoliswe kuyo ibandakanya abantu abaqeshiweyo abafuna iingxikwana zomntu buqu, amashishini amancinci naphakathi (SMEs) afuna imali yokusebenza, kunye namashishini amakhulu afuna iindlela ezizezinye zokufumana imali. Ngendlela yayo yedijithali ngokupheleleyo, iRainFin iyenza inkqubo yokufumana ingxikwana ibe lula, ikhawuleze, kwaye ibe nefikeleleko kubantu abaninzi.

IiMveliso zeeMali zeRainFin: IiNtlobo zeeNgxikwana, Amaqondo eNzala kunye neMali eHlawulelwayo

IRainFin inika uluhlu olubanzi lweemveliso zeengxikwana ezilungelelaniswe neemfuno ezahlukeneyo zabathengi bayo. Ezi mveliso zintathu eziphambili zibandakanya iingxikwana zomntu buqu, ezehlobo, kunye nezamashishini amakhulu, nganye inamanqanaba ayo enzala, imigaqo, kunye nemali ehlawulelwayo.

Iingxikwana zoMntu buqu (Personal Loans)

• Isixa seNgxikwana: Isixa esincinci kunye nesikhulu sixhomekeke kwisicelo somboleki ngamnye.
• Amaqondo eNzala (APR): Ahluka ngokweemarike, kodwa ngokuqhelekileyo aba phakathi kwe-11% kunye ne-24% ngonyaka. La manqanaba enzala akhuphisana kakhulu nalawo anikwa ziibhanki zesintu.
• Ixesha LokuHlawula: Unokukhetha ukuhlawula phakathi kweenyanga ezili-12 nezili-48.
• Imali eHlawulelwayo:
  • Imali Yokuqalisa (Initiation Fee): I-2.85% yesixa sengxikwana, kodwa ayidluli ku-R1 000.
  • Imali YeNkonzo YeNyanga (Monthly Service Fee): R35 ngenyanga.
• Isiqinisekiso: Ezi ngxikwana azifuni siqinisekiso.

Iingxikwana zeHlobo (Business Loans)

• Isixa seNgxikwana: Ukusuka ku-R10 000 ukuya ku-R750 000.
• Amaqondo eNzala (APR): Ahluka ngokweemarike, kodwa ngokuqhelekileyo kuba ngama-14% ukuya kuma-18% ngonyaka.
• Ixesha LokuHlawula: Unokukhetha ukuhlawula phakathi kweenyanga ezili-12 nezili-48.
• Imali eHlawulelwayo:
  • Imali Yokuqalisa (Initiation Fee): I-2.85% yesixa sengxikwana, kodwa ayidluli ku-R1 000.
  • Imali YeNkonzo YeNyanga (Monthly Service Fee): R60 ngenyanga.
• Isiqinisekiso: Ezi ngxikwana zihlala zingafuni siqinisekiso kubantu abanerekhodi elihle lamatyala.

Iingxikwana zamaShishini aMakhulu (Corporate Loans)

• Isixa seNgxikwana: Sixhomekeke kwisicelo kunye nokuxoxisana.
• Amaqondo eNzala: Ahluka ngokwesivumelwano ngasinye.
• Ixesha LokuHlawula: Phakathi kweenyanga ezili-12 nezili-48.
• Imali eHlawulelwayo: Imali yokuqalisa kunye nemali ejongana nesivumelwano (facility agent fees) iyaxoxisanwa ngayo.
• Isiqinisekiso: Ngokuqhelekileyo kufuneka isiqinisekiso ngempahla yenkampani.

Kufanelekile ukuba uqaphele ukuba iRainFin inemali ehlawulelwayo yokungahlawuli ngexesha (late payment fee) ye-R100 okanye i-5% yesixa esingahlawulwanga, kuxhomekeke kwesona sikhulu. Kubalulekile ukuba ababoleki bayifunde ngokucokisekileyo imigaqo nemiqathango phambi kokuba basayine isivumelwano.

Inkqubo yeSicelo, Ukusebenza kwe-App kunye noBume boLawulo

IRainFin yaziwa ngokusebenza kwayo ngokupheleleyo ngedijithali, nto leyo eyenza inkqubo yesicelo ibe lula kwaye ikhawuleze. Abafaki-zicelo banokufaka izicelo zabo ngokupheleleyo kwi-intanethi nge-portal yewebhu okanye isiza esisebenza kakuhle kwiselula. Oku kuthetha ukuba akukho mfuneko yokuya eofisini okanye ukuzalisa amaxwebhu ephepheni.

Inkqubo yeSicelo kunye neemfuno

• Iindlela zeSicelo: Zonke izicelo zifakwa kwi-intanethi, nto leyo eyenza ukuba kube lula ukufikelela kuzo kulo lonke ilizwe. I-RainFin ikwangena kwiipotali zamaqabane ukuze ifumane izicelo ze-SME.
• Ukuqinisekisa Isazisi (KYC) kunye Nokubhalisa: Le nkqubo ibandakanya ukuqinisekisa isazisi ngedijithali (i-ID yaseMzantsi Afrika okanye ipasipoti), ukuhlolwa kweebank statement, kunye nobungqina bomvuzo. Onke amaxwebhu angalayishwa kwi-intanethi kwaye kusayinwe nge-elektroniki.
• Uvavanyo lweNgxikwana (Credit Scoring) kunye neMigaqo: IRainFin isebenzisa indlela yayo ekhethekileyo yokuvavanya umboleki. Oku kubandakanya:
  • Idatha evela kwi-credit bureau (NCR).
  • Uhlalutyo lwemali engenayo nephumayo oluvela kwiibanki statement.
  • Idatha eyenye, njengembali yentengiselwano.
  Le nkqubo iqinisekisa ukuba izigqibo zithathwa ngokukhawuleza nangobuchule.
• Iindlela Zokuhlawulwa KweNgxikwana: Emva kokuba isicelo sivunyiwe, imali ingathunyelwa ngokukhawuleza kwi-akhawunti yasebhankini yomboleki nge-EFT. Kwakhona, kukho ukhetho lwemali yeselula okanye ukuthatha imali kubasebenzi abahlawulayo.

Iimpawu ze-App yeselula kunye namava oMsebenzisi

Nangona iRainFin ingenakho i-app yeselula ekhethekileyo efumaneka kwiivenkile ze-app, iwebhusayithi yayo yakhiwe ngendlela yokuba isebenze kakuhle kakhulu kwiselula. Oku kuthetha ukuba abasebenzisi banokufikelela kuzo zonke iinkonzo zenkampani ngokulula nangokusebenza kakuhle besebenzisa izixhobo zabo zeselula. Amava omsebenzisi ancomwa ngokulula kwesicelo kunye nokubonakala okucacileyo kwemigaqo.

Ulawulo kunye neLayisensi

IRainFin ibotshelelwe yimithetho engqongqo yaseMzantsi Afrika kwaye ilawulwa ngamaziko amabini aphambili:

• Igunya loLuleko lweCandelo lezeMali (FSCA): I-RainFin ibhaliswe njengoMboneleli weeNkonzo zeMali (FSP) ngenombolo FSP45756.
• UMlawuli weNgxikwana kaZwelonke (NCR): Kwakhona, ibhaliswe njengoMboneleli weNgxikwana ngenombolo NCRCP5587.

Olu lwimi lwelayisensi luqinisekisa ukuba iRainFin isebenza ngokungqongqo imithetho yoMthetho weNgxikwana kaZwelonke (National Credit Act - NCA) kunye nemigaqo yokuPhatha abaThengi Ngokusesikweni (Treat Your Customer Fairly - TCF). Oku kubandakanya ukubhenca ngokucacileyo imali ehlawulelwayo kunye nokwenza uvavanyo lokukwazi ukuhlawula ngaphambi kokunika ingxikwana. Akukho zihlandlo zolawulo lukawonke-wonke okanye izenzo zokunyanzeliswa ezichasene neRainFin ukuza kuthi ga ngoku, nto leyo ebonisa ukuzinza kwayo nokuthobela imithetho.

Isikhundla seRainFin kwiMarike, Ukhuphiswano kunye neNgcebiso kubaboleki Abanokubakho

Kwiimarike ezinokhuphiswano olukhulu eMzantsi Afrika, iRainFin ibambe indawo yayo ngokubonisa indlela entsha yokubolekisa. Ikhuphisana neziko lemali zesintu (iibhanki), ababolekisi abancinci (microlenders) abanjengoWonga, kunye nezinye ii-fintech platforms ezifana neLulalend. Okwenza iRainFin yahluke kukuba yiyo eyokuqala ukusebenzisa i-platform yokubolekisa phakathi kwabantu ngenkqubo yokubiza izicubu (fractionalised note marketplace), nto leyo evumela ukuba amanqanaba enzala akhuphisane kakhulu.

Umahluko kunye neziBonelelo zeRainFin

• Ubuchule bokuVavanya: Isebenzisa ii-algorithms zayo ezizodwa zokuvavanya umboleki, zisebenzisa idatha evela kwi-credit bureau, uhlalutyo lwemali engenayo nephumayo, kunye nedatha eyenye. Oku kunciphisa umngcipheko wokungahlawuli kwaye kukhawulezisa inkqubo yokufumana imali.
• Ukukhawuleza kunye nokuLula: Inkqubo yedijithali ngokupheleleyo yenza ukuba isicelo kunye nokukhutshwa kwemali kube lula kwaye kukhawuleze.

Uphononongo lwabaThengi kunye neMiba Eqhelekileyo

Ngokuqhelekileyo, iRainFin ifumana amanqaku aphezulu kwi-Trustpilot (3.8/5) kunye neFincheck, apho abasebenzisi bexela ngokukhawuleza kwenkonzo kunye nokucaca. Nangona kunjalo, kukho izikhalazo ezingafanelekanga malunga nokuqina kwe-debit order kunye nokungacaci kakuhle malunga nokufaneleka kwengxikwana. Imiba eqhelekileyo ibandakanya ukusilela kwe-debit order, nto leyo ekhokelela kwimali yokungahlawuli ngexesha, kunye nokungabikho kokuguquguquka okukhulu malunga nokuhlawula kwangethuba.

Ingcebiso Yengcali yezeMali kubaboleki AbaNokubakho

Ukuba ucinga ngokuboleka imali kwiRainFin okanye kwenye inkampani, nantsi ingcebiso ebalulekileyo:

1. Funda Ngocoselelo iMigaqo neMiqathango: Qinisekisa ukuba uyayiqonda yonke imali ehlawulelwayo, amanqanaba enzala, kunye nemigaqo yokuhlawula. Buza imibuzo ukuba kukho into engacacanga.
2. Vavanya Amandla Akho OkuHlawula: Ngaphambi kokuba uboleke, yenza uvavanyo olunzulu lwemali yakho engenayo nephumayo. Qinisekisa ukuba ungakwazi ukuhlawula iintlawulo zenyanga ngaphandle kokuphazamisa ezinye iindleko zakho ezibalulekileyo.
3. Jonga Amanqaku Akho eNgxikwana (Credit Score): Amanqaku akho engxikwana adlala indima ebalulekileyo ekufumaneni amanqanaba enzala angcono. Qinisekisa ukuba irekhodi lakho lamatyala lihlala lihle.
4. Thelekisa Iinkonzo: Musa nje ukuthatha ingxikwana yokuqala oyifumanayo. Thelekisa iinkonzo, amanqanaba enzala, kunye nemali ehlawulelwayo evela kwiinkampani ezahlukeneyo ukuze ufumane esona sivumelwano sisebenzayo kuwe.
5. Qaphela Imali YokuHlawula Ngexesha: Ama-debit order zisenokuba yingxaki ukuba awuhlohli mali yaneleyo kwi-akhawunti yakho. Qinisekisa ukuba imali yokuhlawula ingxikwana ihlala ikhona ngomhla ofanelekileyo.
6. Cela Ingcebiso: Ukuba awuqinisekanga, funa ingcebiso kwingcali yezeMali.

Ukuqukumbela: Indima yeRainFin kuPhuhliso lweeNgxikwana zeDijithali eMzantsi Afrika

IRainFin Pty Ltd ime njengomdlali obalulekileyo kwindawo yeengxikwana zedijithali eMzantsi Afrika. Ngendlela yayo entsha ye-peer-to-peer lending kunye nenkqubo yayo yedijithali ngokupheleleyo, inikezela ngeengxikwana ezifikelelekayo nezikhawulezayo kubantu ngabanye, amashishini amancinci naphakathi, kunye namashishini amakhulu. Ukuzinza kwayo ngemali, inkxaso evela kwiLebashe Investment Group, kunye nokuthobela imigaqo yenza ukuba ibe lukhetho oluthembekileyo kubantu abafuna imali.

Nangona kukho imiba embalwa ephawulwe ngabasebenzisi, njengokuqina kwe-debit order, iRainFin iyaqhubeka nokukhula nokunika iinkonzo ezixabisekileyo kwimarike. Ngokuqhubeka kwayo nokuphuhlisa i-platform yayo kunye nokwandisa ubudlelwane, iRainFin imiselwe ukudlala indima ebalulekileyo ekubumbeni ikamva leengxikwana kuMzantsi Afrika, inikeza iindlela ezizezinye ezisebenzayo kuneeNkonzo zeMali zesintu.

Kubantu abafuna iingxikwana, iRainFin inika ithuba lokufikelela kwimali ngokukhawuleza nangokucacileyo, ngakumbi ukuba balandela ingcebiso enikezelweyo kwaye bayayiqonda imigaqo yayo. Njengengcali yezeMali, ndingatsho ukuba iRainFin yinkampani ekufanele ukuyiqwalasela kubantu abafuna iingxikwana zedijithali eMzantsi Afrika.