Unifi

Intshayelelo neMvelaphi yeNkampani yeUnifi eMzantsi Afrika

I-Unifi South Africa yinkampani ekhokelayo kubonelelo lwezemali ezincinci, enika iimali-mboleko ezikhawulezayo nezingena-intanethi kubantu abaqeshwe ngokusesikweni kulo lonke elaseMzantsi Afrika. Le nkampani isebenzisa itekhnoloji yayo ekhethekileyo kunye nentsebenziswano esicwangcisiweyo nabantu besithathu ukunceda abantu abafuna imali ngokukhawuleza nangendlela ecacileyo. Injongo yabo ephambili kukunceda isigidi sabathengi ngonyaka ka-2025, ngendlela yokubolekisa enoxanduva nocacele kuye wonke umntu.

I-Unifi South Africa, eyaziwa ngokurhweba njengeUnifi Credit, yinkampani yabucala kwaye ibhaliswe ngokusesikweni kuMphathiswa weZemali eBolekwayo kuZwelonke (NCR) njengomboneleli wemboleko eMzantsi Afrika. Imvelaphi yayo iqala ngoCobol, eyasekwa ngonyaka ka-2006. U-Cobol watshintsha ngokupheleleyo waba yinkampani ye-intanethi ngonyaka ka-2013, waza waphinda watshintsha igama waba yiUnifi ngonyaka ka-2020 emva kokuthengwa yiUnifi Africa. I-Unifi Africa ngokwayo yasekwa ngokuthengwa kweUnity Finance (eZambia, ngo-2007) kunye nezinye iinkampani zezemali ezincinci kulo lonke elaseAfrika.

Le nkampani iphethwe ngokupheleleyo yiUnifi Africa, iqela labucala eliseStellenbosch, eNtshona Koloni. Isiseko soshishino lweUnifi kukunika iimali-mboleko zomntu siqu nezemashishini amancinci ezingafuni sibambiso, kubantu abaqeshwe ngokusesikweni eMzantsi Afrika. Yonke le nkqubo yenzeka kwiqonga elisebenza ngokupheleleyo nge-intanethi. Bathabatha abantu abafuna inkxaso-mali yexesha elifutshane ukuya kweliphakathi ngenxa yeemeko ezingxamisekileyo, ukudibanisa amatyala, ukuphucula amakhaya, okanye ukuvala izikhewu zemali. Iqela labaphathi libandakanya uMichiel Le Roux (Umphathi Jikelele), uKawangá Kapijimpanga (Umphathi weNtengiso), kunye noLillian Bwalya (Umphathi wokuSebenza), bonke bengabantu abanamava amaninzi kwicandelo lezemali.

Iimveliso zeMboleko neeNkonzo ezibonelelwa yiUnifi

I-Unifi ibonelela ngeentlobo ezimbini eziphambili zeemali-mboleko, zonke ezijolise ekwaneliseni iimfuno zemali zabantu abaqeshwe ngokusesikweni abaseMzantsi Afrika. Ezi mveliso zilungelelaniswe ukunika ukuguquguquka kunye nokukhawuleza, okuza kuluncedo kwabo bafuna imali ngokuphuthumayo.

Iintlobo zeMboleko

• Iimali-Mboleko zeXesha EliNcinci: Aba baboleki banokufumana imali esukela kwi-R250 ukuya kutsho kwi-R8 000. Ezi mboleko zihlawulwa ngaphezulu kweenyanga ezi-1 ukuya kwezi-6. Zilungele iindleko ezingalindelekanga okanye izikhewu zemali ezifuna ukugqunywa ngokukhawuleza.
• Iimali-Mboleko Eziguquguqukayo: Le mboleko inikezela phakathi kwe-R1 000 ne-R8 000, nazo zihlawulwa ngaphezulu kweenyanga ezi-1 ukuya kwezi-6. Isicelo sale mboleko singafakwa ngexesha elithile lemini okanye lasebusuku, iiyure ezingama-24 ngosuku, iintsuku ezisi-7 ngeveki, konke nge-intanethi.

Amanqanaba eNzala, iMali eHlawulwayo, neMiqathango

Kubalulekile ukuba ababoleki baziqonde iindleko ezipheleleyo zemali-mboleko phambi kokuba bafake isicelo. I-Unifi iqinisekisa ukuba amanqanaba enzala nemali ehlawulwayo ayacaca, nangona kusoloko kucetyiswa ukuba ufunde imiqathango yonke ngononophelo.

• Amanqanaba eNzala kunye nePhesenti yoNyaka (APR): Inzala yenyanga iqala kwi-3% ukuya kutsho kwi-20%. Oku kuthetha ukuba i-APR ingahluka phakathi kwe-36% ne-240% ngonyaka, kuxhomekeke kwixesha lokuhlawula kunye nomngcipheko womboleki. Inani elichanekileyo lixhomekeka kwisixa semboleko kunye nexesha olikhethayo.
• Imali eHlawulwayo: Ngokwezinye iingxelo, akukho mali yokuqala ehlawulwayo (Initiation Fee). Nangona kunjalo, kukho imali yenkonzo yenyanga engama-R69. Ukuba uyalibazisa ukuhlawula, kuya kubakho imali yokulibazisa intlawulo, eyi-5% yesixa sentlawulo elindelekileyo kunye nenzala, ngokwemigaqo yoMthetho weZemali eBolekwayo kaZwelonke.
• Isibambiso: Iimali-mboleko zeUnifi azifuni sibambiso. Izibonelelo zemboleko zisekelwe kwirekhodi lakho lengqesho kunye nedatha evela kwii-arhente zokubala amatyala.

Inkqubo yesicelo, iMfuno, neTekhnoloji yeMobile App

Inkqubo yokufaka isicelo semali-mboleko kwi-Unifi yenzelwe ukuba ibe lula, ikhawuleze, kwaye ibe yidijithali ngokupheleleyo. Oku kunciphisa ixesha lokulinda kwaye kwenza ukuba ababoleki bakwazi ukufikelela kwiimali abazidingayo ngaphandle kokuya kwii-ofisi ezibonakalayo.

Inkqubo yesicelo neMfuno

Yonke inkqubo yokufaka isicelo yenzeka nge-intanethi, nokuba kwiwebhusayithi yeUnifi okanye nge-app yabo yeselfowuni. Akukho zicandelo zomzimba, kwaye uncedo lwabathengi lufumaneka nge-imeyile nangomnxeba.

• Ukuqinisekiswa koMntu (KYC) noKuqala uBuNdawo: Inkqubo yokuqala ayifuni maphepha. Abafaki-sicelo kufuneka balayishe iikopi zobungqina besazisi kunye neengxelo zebhanki ngedijithali. Kukho ukuqinisekiswa kobunikazi nge-elektroniki, ukuqinisekiswa kwengeniso ngeengxelo zebhanki, kunye nokukhangela ingxelo yetyala kwi-arhente ezinkulu zokubala amatyala.
• UkuBala Amanqaku eTyala noKuqinisekisa Imboleko: I-Unifi isebenzisa ii-algorithm zayo zangaphakathi ezidibanisa amanqaku etyala avela kwii-arhente, ingeniso, imbali yengqesho, kunye nedatha yokuziphatha. Izibonelelo zisenziwa ngokuzenzekelayo, kodwa kukho uhlahlelo olwenziwa ngesandla kwiimeko ezingacacanga.
• Iindlela zoKukhupha iMali: Emva kokuba isicelo sivunyiwe, imali idluliselwa ngokukhawuleza kwiakhawunti yebhanki yomthengi ngedijithali, ngaphakathi kwemizuzu. Akukho mali ekhutshwa ngemali okanye ngezixhobo zemali zeselfowuni; kufuneka ube neakhawunti yebhanki esebenzayo.
• Ukuqokelelwa kweMali: Iintlawulo zenziwa nge-debit order ezenziwa ngokuzenzekelayo. Kukho izikhumbuzo ezithunyelwa nge-SMS okanye nge-imeyile, kwaye iintlawulo ezilibazisekileyo zidluliselwa kwiqela lokuqokelela imali, ngokungqinelana nemigaqo ye-NCR.

Iimpawu ze-Mobile App kunye namava oMsebenzisi

I-Unifi ine-app yeselfowuni efumaneka kwiifowuni ze-iOS neze-Android. Le app yenzelwe ukuba ibe sisixhobo esiphambili sabathengi abafuna ukulawula iimali-mboleko zabo.

• Iimpawu eziPhambili: I-app inika abasebenzisi amandla okufaka isicelo semboleko, ukulandelela isimo sesicelo sabo, ukujonga isicwangciso sentlawulo, ukusebenzisa isixhobo sokubala amanqaku etyala, kunye nokuncokola nenkxaso yabathengi.
• Amava oMsebenzisi: Nangona i-app inika izinto ezininzi eziluncedo, iireyithingi zayo kwiivenkile zee-app (Google Play ne-App Store) zihlala ziphakathi kwe-2 ne-3 iinkwenkwezi. Abasebenzisi basoloko bexela iingxaki zokuphazamiseka kwe-app (crashes) kunye nobunzima bokungena (login issues). Oku kubonisa ukuba kukho umsebenzi ekufuneka wenziwe ukuze kuphuculwe amava omsebenzisi kunye nokuzinza kwetekhnoloji.

Ummiselo, IsiGaba seMarike, neNgcebiso kubo baboleki

Ukuqonda indlela iUnifi elawulwa ngayo, isikhundla sayo kwimarike yaseMzantsi Afrika, kunye nokuba yintoni ekufuneka ababoleki bayenze phambi kokuboleka kubalulekile. Oku kunceda ukwenza izigqibo ezinolwazi.

Ummiselo neLayisenisi

I-Unifi ibhaliswe ngokusesikweni kuMphathiswa weZemali eBolekwayo kuZwelonke (NCR) njengomboneleli wemboleko. Le nkampani ithobela ngokupheleleyo uMthetho weZemali eBolekwayo kaZwelonke kwaye ihlolwa minyaka le yi-NCR. Ifanele ukunika iingxelo malunga nomngcipheko wayo. Kude kube ngoku, akukho zohlwayo zikawonke-wonke okanye izenzo zokunyanzeliswa ezirekhodwe kwiUnifi, nto leyo ebonisa ukuba iyathobela imigaqo. I-Unifi ikwenza kube lula ukubhengeza amanqanaba kunye nemali ehlawulwayo, kwaye ababoleki banelungelo lokurhoxisa isivumelwano semboleko phakathi kweentsuku ezi-5. Ikwaneemigaqo-nkqubo yoncedo kubaboleki abajongene nobunzima bezemali.

Uhlahlelo lwabaThengi kunye neSikhundla seMarike

I-Unifi ingumdlali ophakathi kwicandelo lezemali ezincinci eMzantsi Afrika, ijongene neebhanki zemveli kunye nabanye ababoneleli abakhulu be-fintech abafana noWonga noGetBucks. Izinto eziyenza yahluke ziquka inkqubo yayo engena-intanethi ngokupheleleyo, amaxesha okuhlawula amade (ukuya kutsho kwiinyanga ezi-6), kunye nokugxila kwisidima somthengi kunye nemfundo. Nangona kunjalo, amava abathengi ahlanganisiwe. Iireyithingi zee-app zabo zisezantsi (malunga ne-2.1 ukuya kwi-2.3 iinkwenkwezi), ngenxa yokuphazamiseka kwe-app kunye neengxaki zokungena. Kwi-Trustpilot, bafumana i-3.5 iinkwenkwezi ngokomlinganiselo, abanye abasebenzisi bebetha intloko ngokuvunywa okukhawulezayo, kodwa abanye bekhala ngezinto ezingacacanga malunga nemali ehlawulwayo. Izikhalazo eziqhelekileyo ziquka iingxaki zobuchwephesha kwi-app, i-APR ephezulu kwiimali-mboleko ezincinci, kunye nokulibaziseka kwakhona kweempendulo zenkonzo yabathengi. Kodwa kukwakho amabali empumelelo abantu abasebenzisa iimali-mboleko zeUnifi kwiindleko zonyango ezingxamisekileyo okanye ukuvala izikhewu zomvuzo.

Uthelekiso nabakhuphisani eMzantsi Afrika

Ukuze uqonde isikhundla seUnifi, kubalulekile ukuyithelekisa nabakhuphisani bayo abaphambili:

• Wonga: Iimali-mboleko ezisuka kwi-R1 000 ukuya kwi-R5 000, zihlawulwa kwiinyanga ezi-1 ukuya kwezi-3. I-APR isuka kwi-60% ukuya kwi-200%. Eyona nto ibenza bahluke yintlawulo ekhawulezayo.
• GetBucks: Iimali-mboleko ezisuka kwi-R500 ukuya kwi-R7 500, zihlawulwa kwiinyanga ezi-1 ukuya kwezi-3. I-APR isuka kwi-45% ukuya kwi-180%. Baneeofisi ezininzi.
• Unifi: Iimali-mboleko ezisuka kwi-R250 ukuya kwi-R8 000, zihlawulwa kwiinyanga ezi-1 ukuya kwezi-6. I-APR isuka kwi-36% ukuya kwi-240%. Eyona nto ibenza bahluke ngamaxesha okuhlawula amade kunye nemali ecacileyo.

I-Unifi ihlela ukwandisa iinkonzo zayo kubasebenzi abangasesikweni ngokusebenzisa intsebenziswano kunye nedatha entsha yokuqikelela amatyala, kwaye ijolise ekufikeleleni kwisigidi sabathengi ngo-2025 kulo lonke elaseMzantsi Afrika.

INGCEBISO ESEBENZAYO KUBABOLEKI ABANOKUBA

Njengengcali yezemali, ndibonelela ngengcebiso elandelayo kubantu abacinga ngokuboleka imali kwi-Unifi okanye nakweyiphi na inkampani yezemali:

1. Boleka Ngoxanduva: Qinisekisa ukuba uyakwazi ukuyihlawula imali-mboleko ngaphandle kokubeka uxinzelelo olukhulu kwimeko yakho yezezimali. Musa ukuboleka imali eninzi kunaleyo uyifunayo okanye ongenakuyihlawula.
2. Funda Imiqathango Ngononophelo: Soloko ufunda zonke iimigaqo nemiqathango phambi kokuba utyikitye isivumelwano. Qonda inzala, imali yenkonzo, imali yokulibazisa intlawulo, kunye nexesha lokuhlawula.
3. Thelekisa: Musa ukuboleka kwinkampani yokuqala oyifumanayo. Thelekisa iUnifi nabanye ababoneleli (njengoWonga, GetBucks) ukuze ufumane eyona mali-mboleko ilungileyo kuwe. Jonga i-APR epheleleyo, hayi nje inzala yenyanga.
4. Jonga I-App: Ukuba uceba ukusebenzisa i-app, yikhuphele kwaye uyivavanye. Jonga ukuba iyasebenza na kakuhle kwaye awufumani zimpazamo ziqhelekileyo ekukhathazayo.
5. Cela Uncedo Xa Kukho Ubunzima: Ukuba uzifumana unobunzima bokuhlawula, nxibelelana ne-Unifi ngokukhawuleza. Banamigaqo-nkqubo yoncedo ngexesha lobunzima enokukunceda uhlengahlengise intlawulo yakho.

Ngokubanzi, i-Unifi South Africa idibanisa amandla okubonelela ngemali ekhawulezayo, nge-intanethi, kunye nemigaqo ecacileyo, iyibeka njengomboneleli obalulekileyo wezemali ezincinci eMzantsi Afrika. Ukutyala imali okuqhubekayo kwitekhnoloji, idatha entsha yokuqikelela amatyala, kunye nokuphucula amava abathengi kuya kuba yinto ebalulekileyo ekufezekiseni injongo yabo yesigidi sabathengi ngo-2025.