Zonke Izinkampani Zemalimboleko e- South Africa

Kule minyaka edlule, iNingizimu Afrika ibone uguquko olukhulu endleleni abantu abathola ngayo izimalimboleko. Ubuchwepheshe bezimali, noma i-fintech, bulethe izinhlelo zokusebenza zemalimboleko yedijithali, ezenza kube lula futhi kusheshe ukuthola imali. Ngonyaka ka-2025, le makethe ihamba phambili, inabahlinzeki abaningi abaqhudelanayo ukuhlinzeka izimalimboleko ezincane kuya ezinkulu, zonke zifinyeleleka kalula nge-smartphone yakho.

Njengomeluleki wezimali, ngihlala ngikhuthaza ukuhlakanipha nokuqonda okugcwele ngaphambi kokwenza izinqumo zezimali. Lesi sihloko sizokuhlinzeka ngemininingwane ebalulekile ngendawo yemalimboleko yedijithali eNingizimu Afrika, kusukela ezinkampanini ezinkulu kuya kumanani enzalo, ukulawulwa, kanye nezeluleko eziwusizo zokuvikela izimali zakho.

Isimo Semakethe Yesikweletu Sedijithali ENingizimu Afrika

Imakethe yokuboleka imali ku-inthanethi eNingizimu Afrika ikhule ngesilinganiso sonyaka esingu-18% eminyakeni emibili edlule. Lokhu kukhula kukhuthazwe yizinto eziningi:

• Ukusabalala Kwama-smartphone: Ngaphezu kwama-70% abantu abadala bangabanikazi bedivayisi ephathwayo exhunywe ku-inthanethi, okwenza kube lula ukufinyelela izinhlelo zokusebenza zemalimboleko.
• Ubuchwepheshe Bezimali (Fintech): Ukusebenzisa ubuchwepheshe obusha, njengokuqoqwa kwedatha ehlukile (isib. ukusetshenziswa kwe-airtime), kwenza izinqubo zokugunyaza izimalimboleko ziphele kungakapheli imizuzu engama-45.
• Ukusabalala Kwesikweletu: Abahlinzeki bezimalimboleko zedijithali manje babalelwa kuma-20% azo zonke izimalimboleko zomuntu siqu ezingavikelekile.

Ukulawulwa Kwemakethe Nesivikelo Sabathengi

Umkhakha wemalimboleko yedijithali eNingizimu Afrika ulawulwa ngokuqinile yiKomiti Kazwelonke Lesikweletu (NCR) ngaphansi koMthetho Kazwelonke Wesikweletu (NCA). Lokhu kuqinisekisa ukuthi abathengi bayavikela futhi abahlinzeki basebenza ngendlela efanele. Izimfuneko ezibalulekile zifaka phakathi:

• Ukubhaliswa: Bonke abahlinzeki besikweletu kumele babhalise ne-NCR futhi bathobele izimfuneko ze-NCA zokudalula intengo ngaphambi kwesivumelwano kanye nokuhlola ikhono lokukhokha.
• Ukulinganiselwa Kwezintengo: Kunemali yokuqala ephezulu evumelekile (10% yemali ebolekiwe) kanye nemali yesevisi yanyanga zonke (20% yemali ebolekiwe) okuphoqelelwe. Amanani enzalo Yonyaka (APR) azibekelwa wona abahlinzeki, futhi awanqunywa umthetho.
• Ukuvikela Abathengi: Abathengi banelungelo lokuba nesikhathi sokupholisa ikhanda sezinsuku ezinhlanu, ilungelo lokukhokha kusenesikhathi kanye nokubalwa kabusha kwenzalo, kanye nokuxazulula izikhalazo ngeNkantolo Kazwelonke Yabathengi ye-NCR.

Abahlinzeki Abakhulu Bezimalimboleko Zedijithali Nezinikelwa Zabo (NgoSepthemba 2025)

Imakethe igcwele abahlinzeki abaningi, ngamunye enezinhlinzeko zakhe ezihlukile. Nazi ezinye zezinkampani ezihamba phambili kanye nemininingwane yazo:

Uhlolojikelele Lwabahlinzeki Abahamba Phambili

• Boodle:

  Uhlelo lwayo lokusebenza luthola izilinganiso eziphakeme. Inikeza izimalimboleko ezingama-R1 000 kuya ku-R8 000, ngemigomo yezinyanga ezingu-2-6. I-APR yayo isukela ku-36% kuya ku-60%. Inenqubo yokuqala esheshayo futhi elula, edinga umazisi wedijithali kanye nokulayisha isitatimende sasebhange. Isebenzisa ukuhlola isikweletu okuzenzakalelayo.

• FASTA:

  Idume ngokunikeza isikweletu ngokushesha. Inikeza izimalimboleko ezingama-R800 kuya ku-R8 000, ngemigomo yezinyanga ezingu-1-6. I-APR yayo ilinganiselwa ku-48% kuya ku-96%. Isebenzisa idatha ehlukile, njengokusetshenziswa kwe-airtime, ukuhlola ikhono lokukhokha.

• Unifi:

  Yize ibhaliswe eMauritius, isebenza eNingizimu Afrika, inikeza izimalimboleko ezingama-R2 000 kuya ku-R20 000 ngemigomo yezinyanga ezingu-6-18. I-APR yayo iphakathi kuka-32% no-48%. Inikeza ukwesekwa ngezilimi eziningi futhi inesixhumi esibonakalayo esihle.

• Loanfin:

  Iphumelele ngokusebenzisa i-chatbot ye-WhatsApp ekuqaliseni izicelo. Inikeza izimalimboleko ezingama-R500 kuya ku-R8 000, ngemigomo yezinyanga ezingu-1-6. I-APR yayo ingasukela ku-36% kuya ku-120%, okuyenza ibe phezulu kakhulu. Isebenzisa i-AI yayo ukuhlola isikweletu.

• RCS Personal Loans:

  Inikeza izimalimboleko ezinkulu, kusukela ku-R2 000 kuya ku-R300 000, ngemigomo yezinyanga ezingu-6-60. I-APR yayo iphakathi kuka-18% no-24%, okuyenza ibe phansi uma kuqhathaniswa. Isebenzisa indlela yokuhlola isikweletu esivamile futhi inegama eliqinile emakethe.

• EasyPay:

  Ihlukile ngoba inikeza izimalimboleko ezingenanzalo (0%) kuma-R1 000-R2 000 kubasebenzisi abaxhunyaniswe ne-SASSA. Inani elikhulu lemali ngu-R4 000. Ukufinyelela okusheshayo nge-USSD, kodwa uhlelo lwayo lokusebenza lweselula lukhawulelwe.

• MPOWA Finance:

  Inikeza izimalimboleko ezingama-R500 kuya ku-R8 000, ngemigomo yezinyanga ezingu-1-6. I-APR yayo isukela ku-48% kuya ku-96%. Isebenzisa ukuhlaziya idatha yezinkundla zokuxhumana ekuhloleni isikweletu futhi inesixhumi esibonakalayo esithandekayo.

• African Bank Instant Loans:

  Idume ngobukhona bayo ebhange nangedijithali. Inikeza izimalimboleko ezingama-R1 000 kuya ku-R20 000 ngemigomo yezinyanga ezingu-3-36. I-APR yayo iphakathi kuka-18% no-30%, okuyinani eliphansi. Inezimali ezingabonakali futhi ayikho imali yokuqala.

• Standard Bank Personal Loans:

  Njengelinye lamabhange amakhulu, inikeza izimalimboleko ezingama-R5 000 kuya ku-R300 000 ngemigomo yezinyanga ezingu-6-60. I-APR yayo iphakathi kuka-16% no-24%, okuyiyona ephansi kakhulu. Ayikho imali yesevisi, kodwa kukhona imali yokuphatha engama-R200.

• Lidya:

  Isebenza ezimalimbolekweni zamabhizinisi amancane naphakathi (SME), inikeza kusukela ku-R10 000 kuya ku-R100 000. I-APR yayo iphakathi kuka-24% no-36%. Yize ibhaliswe eNigeria, isebenza eNingizimu Afrika njengomhlinzeki wesikweletu wangaphandle.

Ukuqhathanisa Okubalulekile Kwabahlinzeki Abakhulu

Nalu ukuqhathanisa okusheshayo kwezici eziyinhloko zabahlinzeki abahlukahlukene, okukusiza ukuthi ubone umehluko:

• Boodle: I-APR: 36%-60% | Inani elikhulu lemali: R8 000 | Indlela yokuthola imali: Iposi lasebhange
• FASTA: I-APR: 48%-96% | Inani elikhulu lemali: R8 000 | Indlela yokuthola imali: Ikhadi elibonakalayo/ibhange
• Unifi: I-APR: 32%-48% | Inani elikhulu lemali: R20 000 | Indlela yokuthola imali: I-digital wallet
• Loanfin: I-APR: 36%-120% | Inani elikhulu lemali: R8 000 | Indlela yokuthola imali: Iposi eliqondile
• RCS Personal Loans: I-APR: 18%-24% | Inani elikhulu lemali: R300 000 | Indlela yokuthola imali: Iposi lasebhange
• EasyPay: I-APR: 0%-12% | Inani elikhulu lemali: R4 000 | Indlela yokuthola imali: I-akhawunti exhunywe ku-USSD
• MPOWA Finance: I-APR: 48%-96% | Inani elikhulu lemali: R8 000 | Indlela yokuthola imali: Iposi lasebhange
• African Bank Instant Loans: I-APR: 18%-30% | Inani elikhulu lemali: R20 000 | Indlela yokuthola imali: Ibhange/ikhadi
• Standard Bank Personal Loans: I-APR: 16%-24% | Inani elikhulu lemali: R300 000 | Indlela yokuthola imali: I-internet banking
• Lidya: I-APR: 24%-36% | Inani elikhulu lemali: R100 000 | Indlela yokuthola imali: Ukudluliswa kwasebhange

Izingozi Nezivikelo Zabathengi Emalimbolekweni Zedijithali

Yize izinhlelo zokusebenza zemalimboleko zedijithali zenza izinto zibe lula, ziza nezingozi ezithile okufanele abathengi bazi ngazo:

• I-APR Ephezulu Nezimali: Izinkampani eziningi zedijithali zingase zibe nama-APR aphezulu kakhulu kanye nezimali zokuqala noma zesevisi, okungenza kube nzima ukukhokha futhi kwandise ingozi yokushoda.
• Ubumfihlo Bedatha: Ukusebenzisa idatha ehlukile (isib. idatha ye-smartphone, ukusetshenziswa kwe-airtime) ekuhloleni isikweletu kungase kuphakamise ukukhathazeka ngobumfihlo bedatha yakho.
• Ukuminza Esikweletini: Ukuthola izimalimboleko eziningi ezisheshayo ezinhlelweni zokusebenza ezahlukene kungaholela ekuminzeni esikweletini, lapho kunzima khona ukuphatha izinkokhelo.
• Izimangalo Ezingaqinisekisiwe: Abanye abahlinzeki ababhaliswe kwamanye amazwe (njenge-Unifi) bangase babe nezimangalo ezingaqinisekisiwe, okungenzeka kube yingozi yokungathobeli imithetho yaseNingizimu Afrika.

Kungakho kubalulekile ukuthi abathengi bahlale beqaphile futhi baqinisekise ukuthi abahlinzeki abasebenzisa nabo babhaliswe ne-NCR futhi bayayithobela imithetho ye-NCA.

Izeluleko Eziwusizo Kubathengi

Ukuze ukwazi ukuzulazula ngempumelelo emakethe yemalimboleko yedijithali eNingizimu Afrika, nazi izeluleko eziwusizo:

1. Qhathanisa Ama-APR Nezindleko Zizonke: Ngaphambi kokufaka isicelo, qhathanisa amanani enzalo Yonyaka (APR) kanye nezindleko zizonke zemalimboleko kubahlinzeki abahlukene. Qinisekisa ukuthi uyaqonda zonke izimali ezihambisana nemalimboleko.
2. Qinisekisa Ukubhaliswa Ne-NCR: Njalo qinisekisa ukuthi umhlinzeki wesikweletu ubhaliswe kuRejista ye-NCR. Lokhu kuqinisekisa ukuthi basebenza ngokusemthethweni futhi bayayithobela imithetho.
3. Nciphisa Inombolo Yezimalimboleko Ezihambisanayo: Gwema ukuthatha izimalimboleko eziningi ngesikhathi esisodwa. Ukuba nezimalimboleko eziningi kwenza kube nzima ukuphatha izinkokhelo futhi kwandisa ingozi yokuminza esikweletini.
4. Bukeza Izinqubomgomo Zobumfihlo: Funda ngokucophelela izinqubomgomo zobumfihlo ukuze uqonde ukuthi idatha yakho izosetshenziswa kanjani futhi ivikelwe kanjani.
5. Sebenzisa Izibali Zesikweletu futhi Khetha Imigomo Ede Kakhulu: Sebenzisa izibali zesikweletu eziku-inthanethi ukuze ubone ukuthi izinkokhelo zakho zizoba ngakanani. Khetha imigomo emide kakhulu evumelekile ukuze unciphise izinkokhelo zakho zanyanga zonke, kodwa qaphela ukuthi lokhu kungandisa inani eliphelele lenzalo oyikhokhayo.

Isiphetho

Imakethe yemalimboleko yedijithali eNingizimu Afrika isinikeza ithuba elihle lokuthola usizo lwezimali ngokushesha nangempumelelo. Nokho, ngala mathuba kuza nomthwalo wemfanelo wokwenza izinqumo ezihlakaniphile. Ngokuqonda kahle isimo semakethe, ukwazi abahlinzeki abahlukene, nokuqonda izingozi, ungakwazi ukusebenzisa lezi zinsizakalo ukuze uzuze ngaphandle kokubeka izimali zakho engozini. Khumbula njalo ukuboleka ngokuhlakanipha nokukhokha ngesikhathi.