Sanlam

Isishwankathelo Senkampani Nemvelaphi: I-Sanlam EMzantsi Afrika

I-Sanlam Limited (Inombolo yoBhaliso: 1959/001562/06) yenye yeekompania zemali ezinkulu nezihamba phambili eMzantsi Afrika, kwaye ibhaliswe kwi-Johannesburg Stock Exchange (JSE: SLM), nakwi-Namibian Stock Exchange kunye ne-A2X. Le nkampani iseke iikomkhulu zayo e-2 Strand Road, Bellville, eKapa, 7530, ibonisa ubukho bayo obuqinileyo kulo lonke ilizwe. Isekwe ngomhla wesi-8 kuJuni ngonyaka we-1918 njenge-South African National Life Assurance Company Limited, i-Sanlam ikhule yaba yinkokeli kwicandelo leenkonzo zemali kwilizwekazi laseAfrika. Ubuninzi bezabelo zayo zibanjwe ngabatyali-mali abaninzi (free-float), kubandakanywa iinkampani ezinkulu zabatyali-mali kunye nabanini zabelo abangabantu ngabanye baseMzantsi Afrika. Le meko ibonisa ukuba inkampani inesiseko esibanzi sobunini, esiqinisekisa uzinzo nokuzimela.

Imodeli yoshishino ye-Sanlam yahlukile, isebenza ngezi zixhobo zihlanu eziphambili: i-Personal Finance, i-Emerging Markets, i-Investments, i-Corporate, kunye ne-Santam (i-inshorensi yexesha elifutshane). Le ndlela yobuninzi beendlela zoshishino iyenza ikwazi ukufikelela kwiimarike ezahlukeneyo. Imarike ekujoliswe kuyo yi-Sanlam ibanzi kakhulu, ibandakanya:

• Abantu abaqeshweyo nabo bazisebenzelayo abafuna izisombululo zemali.
• Oosomashishini abancinci nabanxilisayo (SMEs) abafuna imali yokuxhasa amashishini abo.
• Abathengi bezindlu kunye nabathengi abafuna amatyala obuninzi.

AbaLawuli abaphambili bale nkampani baquka uMnu. Paul Hanratty njenge-Group Chief Executive Officer, kunye noMnu. Shaf Ticklay onokuvela njenge-Chief Financial Officer, kunye noMnu. Harold Koll onokuvela njengeNtloko ye-Sanlam Personal Finance. Olu bhuluneli lobunkokeli luqinisekisa ukuba i-Sanlam iqhutywa ngokucwangcisiweyo nangobuchule, inika abathengi bayo iinkonzo ezikumgangatho ophezulu.

Iinkonzo Zemali Neentlobo Zamatyala Anikezelwayo NgeSanlam

I-Sanlam Credit Solutions inikezela ngoluhlu olubanzi lweenkonzo zemali kunye neentlobo zamatyala, eziyilwe ukuhlangabezana neemfuno ezahlukileyo zabathengi bayo. Ezi zibandakanya:

• Amalathana obuqu (Personal Loans): La matyala asukela kumaRandi angama-5 000 ukuya kumaRandi angama-350 000, kwaye angabuyiswa phakathi kweenyanga ezili-12 nezama-84. Eli liluncedo kubantu abafuna imali yezinto ezahlukileyo ezifana nemfundo, ukulungisa ikhaya, okanye ukuhlanganisa amatyala.
• Amalathana obuqu exesha elifutshane (Short-Term Personal Loans) ngeCapfin: La matyala asukela kumaRandi ali-1 000 ukuya kumaRandi angama-50 000, kwaye kufuneka abuyiswe phakathi kweenyanga ezi-6 okanye ezili-12. Afanelekile kwimfuno ezingxamisekileyo zemali.
• Amalathana ezindlu (Home Loans): Ngokubambisana ne-ooba, i-Sanlam inikezela ngamatyala ezindlu, apho amanani nemiqathango yahluka ngokwemfuno yomntu. La matyala athatha ixesha elide kwaye axhaswa yibond ye-mortgage.
• Imali yokuthenga kwi-intanethi (Online Shopping Credit): Unokuboleka ukuya kumaRandi angama-50 000 kwaye uyisebenzise kubathengisi abangaphezu kwama-55 000. Le yindlela elula yokufikelela kwizinto ozifunayo ngaphandle kokuhlawula yonke imali ngaxeshanye.
• Amalathana angxamisekileyo osuku olunye (Same-Day Express Loans) ngeFinance27: La matyala asukela kumaRandi ali-1 000 ukuya kumaRandi ali-8 000, kwaye axesha elifutshane. Alungiselela iimeko zongxamiseko olukhulu apho imali ifuneka ngoko nangoko.
• Amalathana oshishino (Business Loans): Amanani nemiqathango yala matyala ayilungelelaniswe neemfuno ze-SME. Inkcazelo ebanzi iyafumaneka xa usenza isicelo.

Amanani amatyala anikezelwayo ahluka ukusuka kwelona lincinci eliRandi eli-1 000 ukuya kwelona likhulu elingamaRandi angama-350 000, ngaloo ndlela anika ukhetho olubanzi kubaboleki. Amanqanaba enzala nawo ayahluka. Kumalathana obuqu, amanqanaba ayahlala kwaye asukela malunga ne-11.5% ngonyaka ukuya kuma-24.5% ngonyaka, kwaye i-APR (Annual Percentage Rate) ingafikelela kwi-27% (oku kuxhomekeke kwi-profile yomngcipheko womboleki). Kumalathana exesha elifutshane, amanqanaba enzala anokufikelela kwi-36% ngonyaka, njengoko kubekwe yi-National Credit Act. Ixesha lokubuyiswa kwemali lide ukusukela kwiinyanga ezili-12 ukuya kuma-84 kumalathana obuqu, iinyanga ezi-6 okanye ezili-12 kumalathana exesha elifutshane, iinyanga ezili-120 ukuya kuma-360 kumalathana ezindlu, kunye neenyanga ezi-3 kumalathana angxamisekileyo osuku olunye.

Imirhumo ebandakanyekayo iquka i-Origination/Initiation Fee esukela kwi-5% ukuya kwi-10% yelityala, i-Processing Fee eyiR249, kunye ne-Late Payment Fee eyiR150 kwi-installment nganye ephosiweyo. Amalathana obuqu nawexesha elifutshane awafuni siqinisekiso (unsecured), nto leyo ethetha ukuba ukuvunyelwa kuxhomekeke kuvavanyo lwekhredithi yomntu. Amalathana ezindlu axhaswa yibond ye-mortgage, kwaye amatyala oshishino anokufuna izinto zoshishino okanye isitokhwe njengesiqinisekiso.

Inkqubo Yokufaka Isicelo Nokusebenza Kwabatyalwa NgeSanlam

Inkqubo yokufaka isicelo seSanlam yenzelwe ukuba ibe lula kwaye ifikeleleke, ngezindlela ezahlukeneyo ezikhoyo kubaboleki abanokubakho. Ungafaka isicelo nge:

• Iwebhusayithi: I-sanlamonline.co.za inemibhobho eyakhelwe ngaphakathi yokubala imali kunye neefomu zokufaka isicelo nge-intanethi.
• I-App Yeselula: Ii-app zeSanlam Money Saver neSanlam Rewards zifumaneka kwizixhobo ze-iOS ne-Android, ezinika inkqubo yokufaka isicelo elula.
• Amasebe Ezemvelo: Unokuya kwiiziko zeengcebiso zeSanlam ezifumaneka kulo lonke ilizwe kunye nakumaqabane abo.

Inkqubo ye-KYC (Know Your Customer) kunye ne-onboarding ifuna ukuba ufake i-ID yaseMzantsi Afrika, ubungqina bedilesi, iiphepha zeholo/iingxelo zebhanki zeenyanga ezintathu. Kuya kwenziwa ukuqinisekiswa nge-elektroniki ngeenkampani zekhredithi, kwaye usayine nge-elektroniki usebenzisa inkqubo ye-OTP ekhuselekileyo. I-Sanlam isebenzisa imodeli yayo yokuhlela umngcipheko, edibanisa idatha evela kwiinkampani zekhredithi, umlinganiselo wengeniso-kweendleko, kunye nokuzibandakanya kwakho ne-SANLAM Wealth Bonus®. Kumatyala angacacanga, kuya kwenziwa uphononongo lwesandla.

Imali ivunyelwe inokuhlawulwa ngeendlela ezininzi. Eyona ixhaphakileyo kukudluliselwa kwemali ngokuthe ngqo kwi-akhawunti yebhanki yomthengi. Kwakhona kunokwenzeka ukuhlawula imali nge-Mobile Money ngezipaji zeselula ezinkulu, kwaye imali inokufumaneka kwiindawo zeSanlam ngokwesicelo. Inkqubo yokuqokelela imali nokubuyisa imali iquka i-debit orders ezenziwe nge-otomatiki, izikhumbuzo nge-SMS ne-imeyile. Kumatyala abalindelekileyo, i-Sanlam inokucebisa ukuba umthengi afumane uncedo lweengcebiso zamatyala, kwaye kwiimeko zokungahoyi ixesha elide, kunokufakelwa amanyathelo omthetho ngokwe-National Credit Act.

Ulwahlulo Lweziseko Zetekhnoloji NeSikhundla Sentengiso SeSanlam

I-Sanlam inobukho obuqinileyo bedijithali, kunye nee-app zeselula ezilungelelanisiweyo kwizixhobo ze-iOS (zilinganiselwe ngeenkwenkwezi ezi-4.2 kwi-App Store) kunye ne-Android (zilinganiselwe ngeenkwenkwezi ezi-4.0 kwi-Google Play). Ezi-app zibandakanya izinto ezifana nekhalkhuleyitha yetyala, ukulandelela isicelo, ukucwangcisa ukubuyiswa kwemali, kunye ne-dashboard yemivuzo ye-Wealth Bonus®. Iwebhusayithi yayo inoyilo olutsha nolusebenzayo, kunye ne-chat ye-intanethi, i-FAQ, kunye ne-portal yabathengi, inika amava angagungqiyo. I-Sanlam isebenza kulo lonke ilizwe laseMzantsi Afrika, inamaziko eengcebiso kuwo onke amaphondo asithoba, kwaye iinkonzo zayo zedijithali ziyafikeleleka kulo lonke ilizwe.

I-Sanlam inabathengi abangaphezu kwezigidi ezi-3 abasebenzisa iinkonzo zekhredithi. Abathengi bayo abaphambili ngabantu abaphakathi kweminyaka engama-25 nama-55, abaqeshweyo kunye nabanini-mali be-SME. Ngokwesikhundla sentengiso, i-Sanlam yeyona nkampani inkulu yeenkonzo zemali engeyiyo yebhanki eAfrika ngobuninzi be-asethi ekulawulwa yiyo (ngaphezu kwe-R1.5 trillion). Ikwanelile elithathe i-12% yemarike yamatyala angenasiqinisekiso eMzantsi Afrika.

Abakhuphisana abaphambili be-Sanlam baquka i-Capitec Bank, i-ABSA, i-FNB, i-Standard Bank, kunye ne-Nedbank. Nangona kunjalo, i-Sanlam iyahlula-hluka ngemivuzo ye-Wealth Bonus®, ubukho bayo kulo lonke ilizwekazi laseAfrika, kunye nokunikela ngeenkonzo ze-inshorensi-ne-khredithi ezidibeneyo. Ijonge ekuphindaphindeni i-portfolio yayo yekhredithi yedijithali ngonyaka ka-2027 kwaye iqhubeke nokwandisa kwiimali zexesha elifutshane zedijithali kunye nezezoshishino lwe-SME. I-Sanlam ikwabambisene neenkampani ezifana ne-ooba kumatyala ezindlu, i-Capfin ne-Finance27 kumatyala exesha elifutshane, kwaye yenza ubudlelwane bokusasaza kunye neenkampani ze-telcom kumatyala eselula.

Ngokuphathelele kulawulo lomthetho, i-Sanlam inikwe ilayisensi yi-Prudential Authority njengomboneleli wekhredithi (NCR Reg. No. NCRCP272) kunye nomthengisi we-inshorensi (Life Insurer Cert. No. IN0148). Iphantsi kwe-National Credit Act kunye ne-Financial Intelligence Centre Act (FICA). Akukho zohlwayo zinkulu zolawulo ezichaziweyo kwiminyaka emihlanu edlulileyo, nto leyo ebonisa ukuthotyelwa komthetho okungaguqukiyo. I-Sanlam iqinisekisa ukuba yonke imirhumo ibhengezwa ngokucacileyo, kwaye ithobela imigaqo ye-National Credit Regulator yovavanyo lwamandla okuhlawula. Ikwaququzelela neenkqubo zokunceda ngengxaki yamatyala kunye nokucebisa.

Isilumkiso Kubaboleki Abanokubakho Nezindululo Ezibalulekileyo

Njengengcali yezemali, ndibona ukuba i-Sanlam inikezela ngesisombululo esibanzi sababoleki abahlukeneyo eMzantsi Afrika. Nangona kunjalo, kubalulekile ukuba uqwalasele ezinye izinto ngaphambi kokuba uthathe isigqibo sokuboleka imali. Izimvo zabathengi zidla ngokuba zintle, zikhankanya ukulula kokufaka isicelo kunye nokucaca kwemiqathango. I-app yabo yefowuni nayo ifumana amanqaku aphezulu, ibonisa amava alungileyo omsebenzisi. Nangona kunjalo, ezinye izikhalazo zibandakanya ukulibaziseka ngamaxesha athile ekuhlawuleni imali kunye nemirhumo ephezulu yokuqalisa ityala.

Nawuphi na umboleki onokubakho kufuneka athathe la manyathelo alandelayo:

1. Yenza uphando olunzulu: Sebenzisa ikhalkhuleyitha yetyala kwi-app okanye kwiwebhusayithi yeSanlam ukuze uqonde kakuhle amanqanaba enzala kunye nemirhumo ebandakanyekayo.
2. Qonda amandla akho okuhlawula: I-Sanlam yenza uvavanyo lwamandla okuhlawula, kodwa kubalulekile ukuba nawe wenze uvavanyo lwakho olunzulu. Qinisekisa ukuba uyakwazi ukuhlawula i-installment nyanga nganye ngaphandle kokubeka uxinzelelo olukhulu kwimeko yakho yemali.
3. Jonga zonke iindleko: Cela ulwazi olucacileyo ngemirhumo yokuqalisa, eyokulungisa, kunye neyesohlwayo xa ulahleka ukuhlawula. Ukuziqonda ezi zinto kuya kuthintela ukothuka okungeyomfuneko.
4. Sebenzisa i-app: I-app yeSanlam inika izinto ezininzi eziluncedo njengokulandelela isicelo sakho kunye nokucwangcisa ukubuyiswa kwemali. Yisebenzise kakuhle ukuze ulawule ityala lakho.
5. Thelekisa nabakhuphisana: Njengoko i-Sanlam inabakhuphisana abanjengoCapitec, ABSA, FNB, njalo njalo, thelekisa iintlobo zamatyala, amanqanaba enzala, kunye nemirhumo ngaphambi kokuba uthathe isigqibo. Oku kuya kukunceda ufumane isivumelwano esona silungileyo kuwe.
6. Funda imigaqo nemiqathango: Qinisekisa ukuba uyayiqonda yonke imigaqo nemiqathango ngaphambi kokuba usayine naliphi na uxwebhu. Ukuba kukho into ongayiqondiyo, buza kwi-Sanlam.
7. Qaphela i-Wealth Bonus®: Le yinto eyahlula i-Sanlam kwabanye. Qonda indlela osebenza ngayo kwaye ungayisebenzisa njani ukunceda kwiinjongo zakho zemali.

Ukuqukumbela, i-Sanlam yinkokeli kwicandelo leenkonzo zemali eMzantsi Afrika, inikezela ngeentlobo ezahlukeneyo zamatyala edijithali kunye nezinye iinkonzo. Ngobukho bayo obuqinileyo bedijithali, ubungqina obuphezulu bokuthotyelwa komthetho, kunye nesiqinisekiso sokhuseleko lwabathengi, inika ukhetho olukhulu. Nangona kunjalo, njengayo nayiphi na into enxulumene nemali, ukusebenzisa ulwazi kunye nokuqonda okupheleleyo kubalulekile ukuze wenze izigqibo ezifanelekileyo zexesha elide. Soloko uboleka ngobuchule kwaye ujonge kwiimeko zakho zemali.