Wonga South Africa

Isishwankathelo Senkampani Nemvelaphi E-Mzantsi Afrika

I-Wonga Mzantsi Afrika, ethengisa phantsi kwegama elithi Wonga, yinkampani ebhaliswe ngokusemthethweni njenge Wonga South Africa Proprietary Limited, inombolo yobhaliso lwenkampani engu-2010/015269/07. Ikwabhalisiwe kwi-National Credit Regulator (NCR) phantsi kwenombolo engu-NCRCP5033, nto leyo eqinisekisa ukuba isebenza ngokuhambelana nemithetho nemigaqo yaseMzantsi Afrika. Le nkampani yaqala ukusebenza eMzantsi Afrika ngoMeyi ka-2012, njengenxalenye yeQela le-Wonga lelizwe jikelele. Nangona kunjalo, ngo-2019, yatshintshela kwishishini elilawulwa ngabanini, elikhokelwa yi-CEO uMnumzana Brett van Aswegen, kwaye ngoku isebenza phantsi kwe-WDFC SA ngeenjongo zelayisensi yasekuhlaleni.

Umxholo weshishini le-Wonga kukubonelela ngeengcinezelo zexesha elifutshane, ezingakhuselekanga (okuthetha ukuba akukho bhexo lufunekayo) ngqo kubathengi baseMzantsi Afrika abasebenzisa iqonga layo elizisebenzelayo elikwi-intanethi. Injongo yayo ephambili kukuxhasa abantu abaqeshiweyo abaneminyaka engaphezulu kwe-18 abafuna imali ephakathi kwe-R500 ne-R8 000 ukuzalisa izikhewu zemali ezikhawulezayo, ngamaxesha okuhlawula aphakathi kweentsuku ezi-4 ukuya kwiinyanga ezi-6. Iingcinezelo zabo zenzelwe ukuba zilungele iimeko zomntu ngamnye, kuxhomekeke kwisixa kunye nexesha elikhethwe ngumthengi ngexesha lokufaka isicelo.

Phakathi kwabaphathi abaphambili bale nkampani nguMnumzana Brett van Aswegen, obeyi-CEO ukusukela ngo-2015, kwaye nguye owakhokela inguqu kwinkampani kunye nokutshintshela kwimodeli elawulwa ngabanini. UJames Williams ngumphathi wezokuthengisa, ojongene nezicwangciso zedijithali kunye nentsebenziswano, njengaleyo ne-Stitch, ukuze inkampani ifikelele kwiindawo zentengiso ezingakhathalelwanga ngokwaneleyo, ngelixa igcina imigangatho yokuboleka ngobunjongo.

Iimveliso Zeengcinezelo Neenkonzo ZeWonga Mzantsi Afrika

I-Wonga Mzantsi Afrika igxile kwiimveliso zayo zeengcinezelo zemali zexesha elifutshane. Ezi ngcinezelo zenzelwe ukunceda abantu abafuna imali ngokukhawuleza ukujongana neendleko ezingalindelekanga okanye ukuzalisa izikhewu zemali phakathi kweemivuzo.

• Izixa Zemboleko:
  • Abathengi abatsha banokuboleka phakathi kwe-R500 ne-R4 000.
  • Abathengi ababuyayo banokuboleka phakathi kwe-R500 ne-R8 000.
• Amanqanaba Enzala Ne-APR:
  • Inzala yemihla ngemihla yi-0.16%. Oku kuthetha malunga ne-5% ngenyanga yokuqala kwaye malunga ne-3% kwiinyanga ezilandelayo.
  • I-APR (Annual Percentage Rate) yabo imele ukuya kuthi ga kwi-27.5%, kubandakanywa neentlawulo, njengoko kumiselwe yi-National Credit Act.
• Amaxesha Okuhlawula Neentlawulo:
  • Abathengi abatsha banokukhetha amaxesha okuhlawula aphakathi kweentsuku ezi-4 neenyanga ezi-3.
  • Abathengi ababuyayo banokukhetha ukuhlawula kude kube ziinyanga ezi-6.
  • Intlawulo Yokuqalisa: Phakathi kwe-13.3% ne-17.2% yesixa-mali semboleko.
  • Intlawulo Yenkonzo Yenyanga: I-R69.
  • Intlawulo Yokulibaziseka Ekuhlawuleni: I-R30 yentlawulo esisigxina kunye nenzala eqokelelanayo. Nangona kunjalo, akukho nzala yexesha elide elibalwa emva kweentsuku ezingama-60 emva kokungahlawuli.

Konke oku kuthetha ukuba i-Wonga inikezela ngeengcinezelo ezilungelelanisiweyo, kodwa kubalulekile ukuba ababoleki baqonde kakuhle amanqanaba enzala kunye neentlawulo eziza kubanjwa ukuqinisekisa ukuba bayakwazi ukuhlawula. Akukho bhexo lufunekayo, nto leyo eyenza ukuba olu hlobo lwemboleko lufikeleleke kubantu abaninzi abangenayo impahla yokubeka njengebhexo.

Inkqubo Yokufaka Isicelo, Izidingo, Nezobuchwepheshe

Inkqubo yokufaka isicelo nge-Wonga Mzantsi Afrika ilula kwaye yenziwe ngokwedijithali ngokupheleleyo. Abathengi banokufaka izicelo ngewebhusayithi yabo okanye nge-app yeselula, efumaneka kwi-iOS nakwi-Android. Akukho ziseko zokwenyama okanye amasebe afunekayo, nto leyo eyenza inkqubo ikhawuleze kwaye ifikeleleke naphi na eMzantsi Afrika.

Izidingo Zokufaka Isicelo:

• Inombolo yesazisi yaseMzantsi Afrika.
• Ubungqina bengeniso (iphepha lomvuzo okanye ingxelo yebhanki engadlulanga kwiintsuku ezingama-60).
• I-akhawunti yebhanki yaseMzantsi Afrika.
• Inombolo yeselula kunye ne-imeyile.

I-Wonga isebenzisa inkqubo yokuqinisekisa isazisi ngokukhawuleza (KYC) ngokuqhuba ujongo oluzisebenzelayo kunye nokudibanisa idatha yezemali (njengokusebenzisana ne-Stitch). Oku kuvumela inkampani ukuba ivavanye ngokukhawuleza ukukwazi komntu ukuhlawula kunye nomngcipheko wokungahlawuli. Basebenzisa injini yabo yomngcipheko evavanya intengiselwano yebhanki, idatha evela kwibhuro yokulinganisa amatyala, kunye nedatha eyongezelelweyo. Ngenxa yemigangatho yabo engqongqo yokuboleka ngobunjongo, malunga ne-62% yababafaki-sicelo bokuqala abamkelwa, nto leyo ebonisa ukuba bazinikele ekubolekeni ngendlela enoxanduva.

Ukuhlawula Imali Nokuqokelela:

Ukuba isicelo sakho sivunyiwe, imali ihlawulwa ngokukhawuleza ngeendlela zokudlulisa imali kwi-akhawunti yebhanki yaseMzantsi Afrika. I-Wonga isebenza neebhanki ezinkulu ezifana ne-ABSA, i-Capitec, i-FNB, i-Nedbank, kunye ne-Standard Bank. Ukuhlawula kwenziwa nge-debit order ngomhla omiselweyo. Ukuba kubakho ukulibaziseka ekuhlawuleni, kubanjwa intlawulo esisigxina ye-R30 kwaye inzala iyaqokelelana. Inkampani ivumela ubuninzi bezicelo zokutsalela phambili ezintathu phambi kokuba kwenzeke ukunyuselwa kokuphulwa kwesivumelwano sokuhlawula.

Iimpawu Ze-App Yeselula Namava Omsebenzisi:

I-app ye-Wonga ifumaneka kwi-iOS nakwi-Android, kwaye ifumana amanqanaba alungileyo kubasebenzisi (umzekelo, i-4.2/5 kwi-Google Play, i-4.5/5 kwi-App Store). Iimpawu zayo zibandakanya isilayidi sesixa-mali esikuvumela ukuba ukhethe ngokulula isixa osifunayo, umcwangcisi wokuhlawula, ideshibhodi ebonisa isimo semboleko yakho, kunye nokukwazi ukuhlawula kwangethuba ngaphandle kwesohlwayo.

Iwebhusayithi yabo nayo ilungiselelwe kakuhle kwaye ibandakanya umshicileli weendleko othengiswa ngexesha langoku, ifomu yesicelo ekhuselekileyo, kunye nenkxaso yabathengi engama-24/7 nge-chat kunye ne-imeyile. Le nkampani isebenza kulo lonke elaseMzantsi Afrika, kwaye ibonelele ngeengcinezelo ezingaphezu kwe-3.7 yezigidi, zizonke zifikelela kwi-R10.8 yezigidigidi ukusukela ekuqaleni. Abathengi bayo abaninzi ngabasebenzi abahlawulwayo abaphakathi kweminyaka engama-25 nama-45, ikakhulu kwiindawo zasedolophini nakwiziphaluka.

Ubume Bolawulo, Indawo Kwimarike, Nokuphononongwa Kwabathengi

I-Wonga Mzantsi Afrika isebenza ngokuqinileyo phantsi kweliso le-National Credit Regulator (NCRCP5033) kwaye ithobela ngokupheleleyo i-National Credit Act (2005). Lo mthetho ulawula ngokungqongqo ukuboleka imali eMzantsi Afrika, uqinisekisa ukuba iinkampani ziboleka ngobunjongo kwaye zikhusela abathengi kumatyala angenasiphelo. Akukho zohlwayo zibalulekileyo ezirekhodiweyo eMzantsi Afrika ezibhekiselele kwi-Wonga, nto leyo ebonisa ukuba igcina amanqanaba anzala kunye neentlawulo ezimiselweyo.

Ukukhuselwa Kwabathengi:

I-Wonga izibophelele ekukhuseleni abathengi ngokubonisa ngokucacileyo zonke iinkcukacha zemboleko, ukwenza uvavanyo lokukwazi ukuhlawula, kunye nokubonelela ngezixhobo zokufundisa ngemali. Banemigaqo engqongqo malunga nokutsalela phambili (ubuninzi obuthathu) kunye nentlawulo ephezulu yentlawulo yokulibaziseka ukuze kuthintelwe abantu ekungaziphosi kwiintambo zamatyala.

Indawo Kwimarike Nabakhuphisani:

I-Wonga ithathwa njengenye yeenkampani eziphambili zokuboleka imali ngedijithali yexesha elifutshane eMzantsi Afrika. Abakhuphisani bayo abakhulu babandakanya i-GetBucks, i-RainFin, kunye ne-Wumdrop. Into eyenza i-Wonga yahluke kukuvunywa kwayo okukhawulezayo okuzisebenzelayo (ngaphantsi kwemizuzu eli-10 ngenxa yokudibanisa ne-Stitch), imigaqo yexesha eliguquguqukayo, kunye neenzuzo zokuhlawula kwangethuba.

I-Wonga ikwajolise ekwandiseni isiseko sabathengi bayo ngokujolisa kwicala labantu "abangabonakaliyo kwibhuro yamatyala" ngokuphanda idatha eyongezelelweyo efana nentengiselwano yebhanki. Oku kubavumela ukuba bavavanye umngcipheko wabantu abangenamava makhulu kwibhuro yamatyala.

Ukuphononongwa Kwabathengi:

Ukuphononongwa kwabathengi kunika umfanekiso oxutyiweyo ngokuphathelele i-Wonga. Kwi-HelloPeter, amanqanaba aphakathi yi-1.5/5 kwiinkwenkwezi (ngeengxelo ezingama-1 500), kwaye izikhalazo eziqhelekileyo zibhekiselele kukulibaziseka kokuqhubekeka kweengxelo kwibhuro yamatyala kunye nokulibaziseka kwinkxaso yabathengi. Nangona kunjalo, kwi-Google Reviews, ifumana amanqanaba aphakathi kwe-3.6/5 (kwiingxelo ezingama-66), apho abasebenzisi bekhankanya ukuxhaswa ngemali okukhawulezayo kunye neendleko ezicacileyo.

Iinkonzo zabo zabathengi ziyafumaneka nge-imeyile, inombolo yocingo (0861 966 421), kunye ne-chat ekwi-intanethi ngoMvulo ukuya ngoMgqibelo ukusuka ngo-08:00 ukuya ku-18:00. Akukho nkonzo yobuso ngobuso. Kubalulekile ukuba ababoleki abanokubakho bahlole zombini iindidi zokuphononongwa ukuze bafumane umfanekiso opheleleyo ngamava. Amabali empumelelo abakhenkethi abonisa ukuba abanye ababoleki bakwazile ukuphucula ukufikelela kwabo kwimali ngokuhlawula ngexesha nokwandisa imida yabo yemboleko.

Iingcebiso Eziluncedo Kwabo Bafuna Ukuboleka Imali NgeWonga

Njengomhlalutyi wezemali, ndibona ukuba i-Wonga Mzantsi Afrika ibonelela ngenkonzo ebalulekileyo kwabo bafuna imali ngokukhawuleza, ngakumbi abantu abaqeshiweyo abajongene nokungasebenzi kakuhle kwemali okwethutyana. Nantsi iingcebiso ezisebenzisekayo kwabo bacinga ukuboleka imali kwi-Wonga:

1. Qonda Iindleko Ezipheleleyo: Ngaphambi kokuba uboleke, sebenzisa umshicileli weendleko kwiwebhusayithi ye-Wonga. Qinisekisa ukuba uqonda ngokucacileyo intlawulo yokuqalisa, intlawulo yenkonzo yenyanga, kunye nenani elipheleleyo oza kulibhatala, kubandakanywa nenzala. Amanqanaba enzala eengcinezelo zexesha elifutshane aphezulu kuneengcinezelo eziqhelekileyo, ngoko ke kubalulekile ukuqonda umthwalo.
2. Hlola Ukukwazi Kwakho Ukuhlawula: Musa ukuboleka imali ngaphandle kokuba uqinisekile ukuba uyakwazi ukuyihlawula ngexesha. Ukungahlawuli ngexesha kunokukhokelela kwiintlawulo ezongezelelweyo, kunye nokonakalisa irekhodi lakho lamatyala, nto leyo enokukuchaphazela kakhulu ukufumana iingcinezelo ezizayo.
3. Boleka Kuphela Into Oyifunayo Ngokwenene: Iingcinezelo zexesha elifutshane zenzelwe ukujongana neengxaki ezingxamisekileyo. Gwema ukuboleka imali yokusetyenziswa okungabalulekanga. Boleka kuphela isixa osifunayo, hayi ubuninzi obuvumelekileyo.
4. Sebenzisa I-App Ngobulumko: I-app ye-Wonga inezinto eziluncedo njengomcwangcisi wokuhlawula. Sebenzisa ezi zinto ukulandelela inkqubela yakho yokuhlawula kwaye uhlale ulawula. Ukuba unethuba lokuhlawula kwangethuba, yenza njalo ukuze ugcine inzala.
5. Funda Ukuphononongwa Kwabathengi: Ngelixa i-Wonga inezinga elihle lezinto ezithile, kubalulekile ukujonga ukuphononongwa kwabathengi kwiindawo ezifana ne-HelloPeter. Ezi zikhalazo zinokunika ulwazi olubalulekileyo malunga neengxaki ezinokubakho, njengokulibaziseka kwiingxelo zebhuro yamatyala.
6. Nxibelelana Ne-Wonga Ukuba Uneengxaki: Ukuba ubona ukuba uzakuphoswa yintlawulo, nxibelelana ne-Wonga kwangethuba. Banenkxaso yabathengi kwaye mhlawumbi banokukunceda ngamanye amalungiselelo, nangona izicelo zokutsalela phambili zilinganiselwe.

Ukuboleka imali kufuneka kusoloko kusenziwa ngobunjongo nangokuxanduva. I-Wonga ibonelela ngeqonga elikhawulezayo nelisebenzayo, kodwa kubalulekile ukuba uqonde imigaqo kunye neziphumo ngaphambi kokuba uthathe isigqibo sokuboleka.