RCS

Isishwankathelo Senkampani Nemvelaphi yayo eMzantsi Afrika

I-RCS Group, eyasekwa ngowe-1999, yomelele yaba ngumboneleli ophambili ozimeleyo ngezemali zabathengi eMzantsi Afrika. Ukususela ngowe-2015, iye yaba yinxalenye epheleleyo yeBNP Paribas Personal Finance, elinye lamaqela amakhulu ehlabathi kwezezimali, nto leyo eyinika isiseko esomeleleyo semali kunye nezibonelelo zolwazi lwehlabathi jikelele. Ikomkhulu layo lisePinelands, eNtshona Koloni, kwaye ibhaliswe ngokusemthethweni njengeRCS Cards (Pty) Ltd (Inombolo yoBhaliso lweNkampani 2000/017891/07; Inombolo yoBhaliso lwe-NCR NCRCP38; FSP 44481).

Imodeli yeshishini yeRCS igxile ekunikeni izisombululo zekhredithi ze-white-label nezinegama elidibeneyo ngaphezu kweevenkile ezinkulu ezili-600 kunye neevenkile ezingama-30 000. Oku kuthetha ukuba iRCS ibonelela ngesisombululo sekhredithi esisebenza ngasemva kwamakhadi ekhrdithi eevenkile ezininzi oziqhelileyo eMzantsi Afrika. Ijonga kakhulu abathengi abanengeniso ephakathi abafuna ikhredithi efikelelekayo yokuthenga imihla ngemihla, iimeko ezingxamisekileyo, imfundo, kunye neemfuno zobomi. Abaphathi abaphambili beRCS babandakanya uRegan Adams (i-CEO), uLinda Zaula (uMlawuli weengozi zeKhredithi), kunye noMelanie Oosterwyk (iNtloko yoKuthobela Imithetho), phakathi kwabanye, nto leyo ebonisa ubunkokeli obuqinileyo nobunesiphiwo.

Iimveliso zeMboleko NeeNkonzo zeRCS

I-RCS inika uluhlu olubanzi lweemveliso zezezimali ezilungele iimfuno ezahlukeneyo zabathengi. Ezi ziquka:

• Iimboleko zeMali zoBuqu: Ezi ziimboleko zemali ezifikelelekayo ezisuka kwi-R2 000 ukuya kwi-R300 000. Ziyilelwe ukunceda abantu ngeendleko ezingalindelekanga, ukudibanisa amatyala, okanye ukuxhasa iiprojekthi zobuqu. Amaxesha okuhlawula asuka kwiinyanga ezili-12 ukuya kwezingama-60.
• Amakhadi eKhredithi eziVenkile (Private-label & Co-branded Retail Cards): La makhadi avumela abathengi ukuba bathenge kwiivenkile ezahlukeneyo ezineentsebenziswano neRCS. Unokufumana ixesha elingafaki nzala ukuya kwiintsuku ezingama-55 kwiimali ozithengileyo, nto leyo eyenza ukuba kube lula ukulawula inkcitho yakho yemihla ngemihla.
• Iimboleko zeMoto: Nangona iRCS ingaboneleli ngokuthe ngqo ngeemboleko zeemoto kubathengi, iye izinikele ekuxhaseni ngenkxaso-mali ngokusebenzisa amaqabane ayo evenkile, nto leyo eyenza ukuba kube lula ukuthenga imoto yakho oyifunayo.
• I-Inshorensi yoKhuselo lweMboleko (Customer Protection Insurance): Le inshorensi ibalulekile kwaye ingakhethwa, ikhusela wena okanye usapho lwakho ukuba awukwazi ukuhlawula imboleko yakho ngenxa yokufa, ukukhubazeka, okanye ukuphelelwa ngumsebenzi.

Amanqanaba Enzala, Iintlawulo kunye Nemiqathango

Amanqanaba Enzala: Kwiimboleko zemali zobuqu, amanqanaba enzala asuka kwi-15% ukuya kwi-28% ngonyaka, kwaye zithintelwe ngumthetho weSizwe weKhredithi (National Credit Act) kwi-28% ubuninzi. Amakhadi ekhrdithi ezi venkile anikezela ngenzala yasimahla ukuya kwiintsuku ezingama-55 kwiimali ozithengileyo, emva koko kusetyenziswe amanqanaba ajikelezayo ukuya kwi-24.5% ngonyaka.

Amaxesha Okuhlawula: Iimboleko zemali zobuqu zihlawulwa kwiinyanga ezili-12 ukuya kwezingama-60, nangona kukho iinketho ukuya kwiinyanga ezingama-72 ngokusebenzisa abalamli. Ukuhlawula kwenziwa nyanga zonke ngokusika imali ngokuzenzekelayo (debit order), kwaye kukho ukuguquguquka malunga nomhla wokuhlawula.

Iintlawulo: Kubalulekile ukuqonda iintlawulo ezihambelana neemboleko zeRCS. Oku kubandakanya:

• Intlawulo yokuQalisa (Initiation Fee): Umzekelo, kwimboleko ye-R10 000, ungahlaulisa i-R1 207.
• Intlawulo yeNkonzo Yenyanga (Monthly Service Fee): Umzekelo, i-R69 ngenyanga.
• Intlawulo yokuLibaziseka (Late Payment Fee): Ukuya kwi-R750 ngenxa nganye yokulibaziseka, ngokwezikhokelo zeNCA.
• Iipremiyamu ze-Inshorensi: Ukuba ukhetha i-Inshorensi yoKhuselo lweMboleko.

Zonke iimboleko zeRCS azifuni bakhuseli (unsecured loans); ukunikwa kwemboleko kusekelwe kumanqaku ekhredithi yomfaki-sicelo, ingeniso, ukukwazi ukuhlawula, kunye novavanyo lomngcipheko.

Inkqubo Yesicelo, I-App yeSelf-Service kunye NeSimo Sezomthetho

Inkqubo yokufaka isicelo seRCS ilula kwaye ifikeleleka ngamajelo amaninzi:

• Kwi-Intanethi: Ungafaka isicelo ngokuthe ngqo kwiwebhusayithi yeRCS (rcs.co.za), enikezela ngeziqinisekiso zangoku kunye nezibali-mali zemboleko.
• I-App yeSelf-Service: I-RCS inika i-app yeself-service yee-iOS nee-Android, apho unokufaka isicelo semboleko, ufumane iistatemente, wenze iintlawulo, kwaye ujonge amanqaku akho ekhredithi. Le app inikezela ngesigqibo sokuqala ngoko nangoko.
• Ngefowuni: Ungafaka isicelo ngefowuni, kwaye isigqibo sokuqala sihlala sifumaneka kwiiyure ezingama-24.
• Ezivenkileni: Kwiindawo zokuncedisa abathengi kwiivenkile ezineentsebenziswano neRCS.

Iimfuno ze-KYC kunye neNdlela yokuFaka isicelo

Ukuze ufumane imboleko yeRCS, uya kufuna:

• Isazisi saseMzantsi Afrika esisebenzayo okanye ilayisensi yokuqhuba.
• Iistatemente zasebhankini okanye iincwadana zomvuzo zeenyanga ezi-3 ezidlulileyo.

I-RCS isebenzisa inkqubo yokungqinisisa ubuni ngokuzenzekelayo kunye nohlalutyo lweestatemente zasebhankini ukwenza isigqibo sokuqala ngokukhawuleza. Isigqibo esipheleleyo senziwa emva kokuba ufake onke amaxwebhu afunekayo. Isebenzisa imodeli yengozi yayo edibanisa amanqaku ekhredithi, isayensi yezigqibo, uhlalutyo lwe-machine-learning, kunye nedata yokuziphatha ukuze ihlole ukukwazi kwakho ukuhlawula ngokwezikhokelo zoMthetho weSizwe weKhredithi.

Ukuba isicelo sakho siyaphunyezwa, imali ihlawulwa ngokudluliselwa ebhankini phakathi kweeyure ezingama-24. Kwezinye iimeko, kunokwenzeka ukuba ufumane imali nge-mobile money okanye ngokuyithatha kwiivenkile ezikhethiweyo.

Isimo Sezomthetho kunye Nolawulo

I-RCS yinkampani ethobela ngokupheleleyo imithetho yaseMzantsi Afrika. Ibhaliswe njengoMboneleli weKhredithi (NCRCP 38) kwaye ilawulwa yiNational Credit Regulator (NCR). Ikwayi-Financial Services Provider (FSP 44481) egunyazisiweyo, elawulwa yiFinancial Sector Conduct Authority (FSCA). Oku kuthetha ukuba i-RCS kufuneka ihambelane nemigaqo engqongqo yokubolekisa ngenqanawa nokhuseleko lwabathengi. Nangona kungekho zohlwayo zinkulu ezichazwe eluntwini, i-FSCA yakhupha isilumkiso esilumkisa abathengi ngeentlondi ezizibiza ngeRCS Cards.

Uhlalutyo Lwemarike, Abantu Abakhuphisana Nabo kunye Namava Abathengi

I-RCS ngumdlali omkhulu kwimarike yezezimali eMzantsi Afrika. Ihamba phambili ekuboneleleni ngekhredithi ye-white-label, ixhasa amakhadi ekhrdithi kwiivenkile ezingaphezu kwama-30 kwezinye zeempawu ezinkulu zelizwe. Ikwangunombolo 1 kwiimboleko zemali zobuqu ngokomthamo phakathi kwababoneleli abazimeleyo. Abantu abakhuphisana nabo abaphambili kwimarike babandakanya iWonga, iGetBucks, iDirectAxis, kunye neFinChoice.

Umahluko weRCS ulele kwiintsebenziswano zayo ezomeleleyo neevenkile, inkxaso evela kwiBNP Paribas enika imali eyomeleleyo kunye nezinto ezifanelekileyo zehlabathi, kunye nesayensi yezigqibo ephambili yokunika iimboleko. Le teknoloji iphucukileyo iyivumela ukuba ihlole umngcipheko ngokuchanekileyo kwaye inikezela ngekhredithi ngendlela efanelekileyo kubathengi abaninzi. Ukukhula kweRCS kuyaqhubeka, kunye nokuthengwa kweMobicred ngowe-2024 ukukhulisa iinkonzo zekhredithi zedijithali. Bajolise ekufikeleleni kubathengi abazizigidi ezi-3 ngowe-2026.

Ukuphononongwa Kwabathengi kunye Nezikhalazo Eziqhelekileyo

Ukuphononongwa kwabathengi kwiindawo ezinjengeHellopeter kubonisa amanqaku angama-3.8 kwezi-5 kwiRCS. Abathengi bahlala beyincomela inkqubo yokwamkelwa kwemboleko ekhawulezayo kunye nokulula kwedijithali. Nangona kunjalo, kukho izikhalazo eziqhelekileyo ezinxulumene neentlawulo eziphezulu kunye nokuqina kokuqokelelwa kwetyala ngemiyalelo yokusika imali (debit orders). Abanye abathengi baye bavakalisa ukuba bakubona kunzima ukuqonda isakhiwo seentlawulo.

Ngaphandle kwezi zikhalazo, iRCS ibonelela ngenkxaso yenkonzo yabathengi engama-24/7 ngefowuni, kwaye abaphathi bobudlelwane abazinikeleyo banikezelwa kubathengi ababalulekileyo. Kubalulekile ukuba abathengi abanokuba nezinkinga zokuhlawula baqhagamshelane neRCS ngokukhawuleza ukuze baxoxe ngezicwangciso zokuhlaziya.

Icebiso Eliwusizo Kwababoleki Abanokubakho

Njengengcali yezezimali, kubalulekile ukuba uqwalasele la macebiso alandelayo ngaphambi kokuba ufake isicelo semboleko kwiRCS okanye kulo naluphi na umboneleli wekhredithi:

1. Qonda Ukukwazi Kwakho Ukuhlawula: Ngaphambi kokuba uboleke imali, yenza uhlalutyo olunzulu lwebhajethi yakho. Qinisekisa ukuba unokukwazi ukuhlawula imali ebolekiweyo kunye nenzala yenyanga ngaphandle kokuphazamisa ezinye iimfuno zakho zemali ezibalulekileyo. I-RCS, ngokweNCA, iya kuhlolela ukukwazi kwakho ukuhlawula, kodwa olu xanduva luqala kuwe.
2. Funda Imiqathango NeeNtlawulo Ngocoselelo: Musa ukutyikitya ngaphandle kokufunda. Qonda zonke iintlawulo ezihambelana nemboleko yakho, kubandakanya intlawulo yokuqalisa, intlawulo yenyanga, kunye nezohlwayo zokulibaziseka. Ezi ntlawulo zingayandisa kakhulu indleko iyonke yemboleko yakho.
3. Thelekisa Iinketho: Nangona iRCS inikezela ngeenkonzo ezilungileyo, Soloko kuthelekise iimboleko zakho nezinye iinkampani zokubolekisa eMzantsi Afrika. Amanqanaba enzala, iintlawulo, kunye nemiqathango ingahluka kakhulu.
4. Sebenzisa I-App yeRCS Ngobulumko: Ukuba uyamkelwa imboleko, sebenzisa i-app yeRCS ukujonga amanqaku akho ekhredithi, iistatemente zakho, kunye nokwenza iintlawulo ngexesha. Oku kungakunceda ulawule imboleko yakho ngokufanelekileyo kwaye uphephe iintlawulo zokulibaziseka.
5. Yazi Amalungelo Akho: Njengomthengi, unamalungelo phantsi kweNational Credit Act. Ukuba unombono wokuba uyaphathwa kakubi okanye unengxaki, unokwenza isikhalazo kwiNational Credit Regulator okanye kwiFAIS Ombud.
6. Yiba Nesicwangciso Sokuhlawula: Qinisekisa ukuba unaso isicwangciso esicacileyo sokuhlawula imboleko yakho. Ukuba ulibaziseka okanye awukwazi ukuhlawula, qhagamshelana neRCS ngokukhawuleza ukuba uxoxe ngeenketho. Ukungahoyi ingxaki kuya kuyenza ibe mbi ngakumbi.

I-RCS yinkampani ebalulekileyo kwindawo yezezimali yaseMzantsi Afrika, enika iinketho zekhredithi ezifikelelekayo kwizigidi zabantu. Ngokuqonda iimveliso zayo, iintlawulo, kunye nenkqubo, unokwenza izigqibo ezinobulumko ngemali kwaye usebenzise iinkonzo zayo ngempumelelo.