African Bank

Isingeniso kanye Nomlando We-African Bank ENingizimu Afrika

I-African Bank Limited ingumhlinzeki wezinsizakalo zezezimali obedijithali kakhulu eNingizimu Afrika, osekhonze amakhasimende angaphezu kwezigidi eziyisithupha. Leli bhange, elakhiwa ngokusemthethweni njengenkampani eNingizimu Afrika (inombolo yokubhaliswa: 1975/003980/06), linikezwe ilayisense "njengebhange elilawulwa endaweni" yiSouth African Reserve Bank (SARB) futhi libhaliswe njengomhlinzeki wesikweletu (NCRCP7638) ngaphansi kweNational Credit Regulator (NCR). Lokhu kusho ukuthi isebenza ngokugcwele ngaphakathi kwemigomo yomthetho wezezimali waseNingizimu Afrika, okuqinisekisa ukuthi ababoleki bayavikeleka futhi ibhange lisebenza ngendlela efanele.

I-African Bank yasungulwa ngomhla zingama-31 kuJulayi 1975, ngenhloso yokukhonza kakhulu abantu baseNingizimu Afrika abamnyama ababengenazo izinsizakalo zasebhange ngaphambilini. Ngo-August 2014, ibhange langena ngaphansi kokunakekelwa okukhethekile (curatorship) ngenxa yezinselelo zezezimali, kodwa labuyekezwa futhi lasungulwa kabusha ngaphansi kwe-African Bank Holdings Limited ngomhla ka-4 Ephreli 2016. Kusukela ngoSepthemba 2022, abanikazi bamasheya ayo bahlanganisa i-SARB (50%), i-Government Employees Pension Fund (25%), namabhange amakhulu amahlanu ahlanganyela amanye ama-25% asasele. Lokhu kubonisa ukwesekwa okuqinile okuvela ezikhungweni zikahulumeni nezikhungo ezinkulu zezezimali, okuqinisekisa ukuzinza kwayo.

Namuhla, imodeli yebhizinisi le-African Bank ihlose kakhulu abantu abahola kancane kuya kwabaphakathi kanye namabhizinisi amancane afuna izixazululo zemalimboleko eziguquguqukayo kanye nezinsizakalo zasebhange zedijithali. Banikeza imikhiqizo ehlukahlukene, okuhlanganisa imalimboleko yomuntu siqu engadingi isibambiso (kusuka ku-R2 000 kuya ku-R350 000), imalimboleko yamabhizinisi nedijithali edinga isibambiso, amakhadi esikweletu, ama-akhawunti okuthengiselana, kanye nomshwalense. Umqondisi omkhulu (CEO) wamanje nguKennedy Bungane, oholayo ekuguquleni ibhange libe yisikhungo esisebenza ngedijithali kakhulu futhi esihlinzeka ngezixazululo ezintsha kumakhasimende aseNingizimu Afrika.

Imikhiqizo Yemali Ebolekiwe, Amanani Enhlala, Nezindleko

I-African Bank inikeza izinhlobo ezahlukene zemalimboleko eziklanyelwe ukuhlangabezana nezidingo ezahlukene zamakhasimende ayo. Imikhiqizo yabo emikhulu ihlanganisa imalimboleko yomuntu siqu kanye nemalimboleko yamabhizinisi.

Imalimboleko Yomuntu Siqu (Engadingi Isibambiso)

Lena yimikhiqizo eyinhloko ye-African Bank. Amakhasimende angaboleka imali esukela ku-R2 000 kuya ku-R350 000. Isikhathi sokukhokha sibanzi, sisukela ezinyangeni eziyi-7 kuya kwezingama-72 (okungukuthi iminyaka engu-6). Amanani enziwa ngonyaka (Annual Percentage Rate - APR) asukela ku-12.00% kuya ku-24.50%. Lezi zimalimboleko azidingi isibambiso, okusho ukuthi umboleki akudingeki afake impahla yakhe njengesibambiso ukuze avumeleke. Izindleko zalezi zimalimboleko zihlanganisa imali yokuhlola yesikhathi esisodwa, imali yesevisi yanyanga zonke, kanye nemali yomshwalense wempilo wesikweletu (ongakhetha). Olunye uhlobo olukhethekile yimalimboleko enenzalo ehleliwe engu-12% APR, enikeza inani elifanayo kanye nesikhathi sokukhokha njengemalimboleko yomuntu siqu ejwayelekile kodwa ngenzalo engashintshi.

Imalimboleko Yamabhizinisi Kanye Neyezentengiselwano (Edinga Isibambiso)

Ngokungeziwe emalimbolekweni yomuntu siqu, i-African Bank iphinde ihlinzeke ngemalimboleko yamabhizinisi nezokwentengiselwano edinga isibambiso. Lokhu kubalulekile kumabhizinisi amancane naphakathi afuna ukukhulisa noma ukusekela ukusebenza kwawo. Kusukela ngonyaka wezezimali ka-2024, imali ebolekiwe enetheni yamabhizinisi yafinyelela ku-R34.4 billion, lapho u-38% wayo ubuyimalimboleko edinga isibambiso. Isibambiso kulezi zimalimboleko singaba yimpahla yebhizinisi, izindlu, noma imishini.

Amanani Enhlala, Izimali, Kanye Nezibambiso

Amanani enziwa ngonyaka (APR) wemalimboleko yomuntu siqu asukela ku-12.00% kuya ku-24.50%, kuye ngesikweletu somuntu. Amanani asebenzayo anyanga zonke asukela cishe ku-1.00%. Isakhiwo sezindleko sihlanganisa:

• Imali Yokuhlola (Initiation Fee): Phakathi kuka-3% no-5% wenani lemalimboleko, kuye ngokuthi inani libolileka malini.
• Imali Yesevisi Yanyanga Zonke: Isukela ku-R100 kuya ku-R150.
• Imali Yokukhokha Sekwedlule Isikhathi: Isukela ku-R250 kuya ku-R300 ngezenzakalo ngasinye sokukhokha sekwedlule isikhathi.

Njengoba kushiwo, imalimboleko yomuntu siqu ayidingi isibambiso, kanti imalimboleko yamabhizinisi idinga isibambiso ngempahla yebhizinisi. Kubalulekile ukuthi ababoleki baqonde kahle lezi zindleko ngaphambi kokusayina noma yisiphi isivumelwano semalimboleko.

Inqubo Yokufaka Isicelo, Ubuchwepheshe, kanye Nezici Zohlelo Lokusebenza Lweselula

I-African Bank yenza inqubo yokufaka isicelo ibe lula futhi ifinyeleleke, inikeze iziteshi eziningi zamakhasimende. Amakhasimende angafaka izicelo ngohlelo lokusebenza lweselula lwe-African Bank, iwebhusayithi yabo, noma kunoma yimaphi amagatsha abo angaphezu kwe-100 kulo lonke izwe. Le ndlela yeziteshi eziningi iqinisekisa ukuthi noma ngubani angafinyelela izinsizakalo zabo, kungakhathaliseki ukuthi ukhetha ukwenza izinto kanjani.

Inqubo Yokufaka Isicelo Kanye Nezidingo

Ukuze ufake isicelo semalimboleko, abafakizicelo kudingeka banikeze imibhalo elandelayo:

• Ikhadi le-ID laseNingizimu Afrika elisebenzayo.
• Ubufakazi beholo.
• Izitatimende zasebhange zezinyanga ezintathu ezedlule.
• Ubufakazi bendawo yokuhlala.

I-African Bank isebenzisa izinsizakalo zedatha ezivela ezinkampanini zangaphandle ukuqinisekisa ubuwena nekheli. Inqubo yokunquma isikweletu isebenzisa ukuhlola okuphathelene nekhono lokukhokha, izikweletu ezivela ezikhungweni zezikweletu, isilinganiso sesikweletu neholo (debt-to-income ratio), ukuzinza komsebenzi, kanye nomlando wokukhokha. Ngemuva kokubuyekezwa kwebhange ngo-2014, kwenziwa izindlela eziqinile zokunikeza isikweletu ukuze kuncishiswe izindleko zokuqothuka kwemali. Uma isicelo sesivunyelwe, imali yemalimboleko idluliselwa nge-Electronic Funds Transfer (EFT) ku-akhawunti yasebhange yomboleki, ngokuvamile phakathi kwamahora angama-24 kuya kwangama-48 ngemuva kokuvunywa. Mayelana nokuqoqwa kwemali, i-African Bank inesikhungo esihlanganisiwe esisebenzisa imikhankaso yocingo, izikhumbuzi ze-SMS, kanye nesinyathelo sezomthetho kuma-akhawunti asekhombisa ukungakhokhi. Lokhu kuye kwaholela ekwehleni kwama-20% ezindleko zokuqothuka kwemali zafinyelela ku-R2.609 billion ngonyaka wezezimali ka-2024, kanti isilinganiso sokulahleka kwesikweletu sehlele ku-6.3%.

Izici Zohlelo Lokusebenza Lweselula kanye Nesipiliyoni Somsebenzisi

Uhlelo lokusebenza lweselula lwe-African Bank luyingxenye ebalulekile yesixazululo sabo sedijithali, olunikeza izici ezahlukene zokuphatha izimali:

• Izinkokhelo Nokudlulisa Imali: Ukwenza izinkokhelo zesikhathi esisodwa nokudlulisa imali kubantu abahlukene.
• Ukuthenga Isikhathi Somoya/Ugesi Esikhokhelwa Ngaphambili: Kalula nje ukuthenga isikhathi somoya noma ugesi.
• "Pockets" Amaqembu Okulondoloza: Ukudala amaqembu okulondoloza ukuze kulondolozwe imali ngezinhloso ezithile.
• Ukuphathwa Kwamakhadi: Ukumisa noma ukuphinda kusebenze amakhadi.
• Ukufinyelela Kuma-akhawunti Okutshala Imali: Ukubuka nokuphatha ama-akhawunti okutshala imali.

Uhlelo lokusebenza lunesilinganiso esingu-3.8/5 ku-iOS ngenxa yokuhlolwa okumbalwa, kanti ku-Android lulinganiswe ngo-3.0/5 ngezibuyekezo eziyi-7.9K. Izikhalazo ezivamile zihlanganisa ukungazini kahle kokungena nokubhalisa, ukungabonakali kahle komlando wokuthengiselana, kanye nokubambezeleka okuthile kwesevisi yamakhasimende. Kodwa-ke, i-African Bank iphinde ibe khona kakhulu ku-inthanethi, inewebhusayithi egcwele, iziteshi zokuxhumana ezisebenzayo, izibali zezimali ku-inthanethi, kanye nokwesekwa kwama-chatbot. Leli bhange lisebenza kulo lonke izwe elinamagatsha angaba yi-100, inethiwekhi ye-ATM ebanzi, kanye neziteshi zedijithali ezifinyelela amakhasimende angaphezu kwezigidi eziyisi-6.1.

Isimo Sokulawula, Isikhundla Emakethe, kanye Nezincomo

I-African Bank isebenza ngaphansi kwesimiso sokulawula esiqinile eNingizimu Afrika. Njengoba kushiwo, inikezwe ilayisense yi-South African Reserve Bank (SARB) ngaphansi koMthetho Wamabhange futhi ibhaliswe njengomhlinzeki wesikweletu neNational Credit Regulator (NCRCP7638). Lokhu kusho ukuthi ihlolwa njalo yi-SARB kanye ne-NCR, okuqinisekisa ukuhambisana nayo yonke imithetho nezinqubo. Leli bhange alibhekane nanoma yiziphi izinhlawulo ezinkulu noma izijeziso ezivela kubalawuli kusukela ngemuva kokubuyekezwa kwaso ngo-2014, okubonisa ukuzibophezela kwalo ekusebenzeni ngendlela efanele. I-African Bank iphinde ihambisane ngokugcwele nezinhlinzeko zoMthetho Wesikweletu Kazwelonke mayelana nokuboleka okunesibopho, ukudalulwa kwazo zonke izindleko, ilungelo lokuhoxiswa kwesivumelwano (cooling-off period), kanye nezicelo zokusiza abaswele.

Isikhundla Emakethe kanye Nabaqhudelanayo

I-African Bank ingumhlinzeki ohamba phambili wemalimboleko yomuntu siqu engadingi isibambiso eNingizimu Afrika, inesabelo semakethe esilinganiselwa ku-20% ngenani lamakhasimende. Abaqhudelanayo abakhulu bayo bahlanganisa amabhange amakhulu njengeStandard Bank, Nedbank, FNB, kanye neCapitec. I-African Bank izihlukanisa ngokugxila kwayo emalimbolekweni engadingi isibambiso ehlosiwe, iziteshi zedijithali ezintsha, kanye nemikhiqizo yenzalo ehleliwe eqhudelanayo. Ibhange lisendleleni yokukhula, njengoba kuboniswa ukutholwa kweGrindrod Bank (nge-R1.5 billion) ukuze kwandiswe amabhange ezentengiselwano, kanye nohlelo lwezindlu zokuhlala ezizoyilolonga oluzoqalwa ngo-2025. Iphinde iqhubeke nokuhlukahluka kwayo ibheke kumshwalense, amakhadi esikweletu, kanye namabhange okuthengiselana. I-African Bank yakha ubudlelwano obubalulekile nezinkampani zocingo ukuze zixhase ukuthengwa kwamafoni, abalingani be-MyWORLD loyalty, kanye nezinkundla ze-fintech ukuze kuhlanganiswe i-PayShap.

Izincomo Ezisebenzayo Kwabazoboleka Imali

Kubantu abacabanga ukuboleka imali ku-African Bank, nazi izeluleko ezibalulekile ezivela kusazi sezezimali:

1. Qonda Izidingo Zakho: Hlaziya isimo sakho sezezimali bese uqonda ukuthi udinga malini ngempela futhi ukuthi ungakwazi ukukhokha malini.
2. Funda Imigomo Nezimo: Kubaluleke kakhulu ukuqonda amanani enziwa ngonyaka (APR), izimali zokuhlola, izimali zesevisi yanyanga zonke, nezimali zokukhokha sekwedlule isikhathi. Buza imibuzo uma kukhona okungacacile.
3. Qhathanisa Imikhiqizo: Nakuba i-African Bank inemikhiqizo eqhudelanayo, kuhlale kuwumqondo omuhle ukuqhathanisa okunikezwayo namanye amabhange noma abahlinzeki besikweletu.
4. Hlola Isikweletu Sakho: Qinisekisa ukuthi isikweletu sakho sisendaweni enhle ngaphambi kokufaka isicelo. Lokhu kungathuthukisa amathuba akho okuvunywa futhi kukusize uthole amanani enziwa ngonyaka angcono.
5. Ukuboleka Ngokuzibophezela: Ungaboleki imali engaphezu kwalokho ongakwazi ukukukhokha. Ukungakhokhi kungathinta kabi isikweletu sakho futhi kuholele ezindlekweni ezengeziwe.
6. Sebenzisa Uhlelo Lokusebenza Ngokuqaphela: Sebenzisa ngokugcwele izici zohlelo lokusebenza lweselula lwe-African Bank ukulandelela izinkokhelo zakho nokulawula ama-akhawunti akho, kodwa hlale uqaphela izinkinga zokungena nokubambezeleka okungenzeka.

Ukukhokha ngesikhathi kubalulekile ekwakheni umlando omuhle wesikweletu, okungakuvulela amathuba emalimboleko ezizayo ngemigomo engcono. Njengesazi sezezimali, ngincoma ukuthi uhlale uhlela isabelomali, ulondoloze imali, futhi ubolekise kuphela uma kudingeka futhi uma ukwazi ukukhokha ngaphandle kokubeka engozini ezinye izidingo zakho zezezimali.

Ukusebenza Kwezezimali kanye Nekusasa Le-African Bank

I-African Bank ibonise ukusebenza kwezezimali okuqinile eminyakeni yamuva. Ngonyaka wezezimali ka-2024, inzuzo yayo enetheni ngemuva kwentela yayingu-R523 million (ku-FY23 yayi-R521 million). Lokhu kukhombisa ukukhula okuncane kodwa okuqinile. Imali engenayo yenzalo yafinyelela ku-R7.0 billion, kanti imali engenayo engeyona yenzalo yafinyelela ku-R1.537 billion. Isilinganiso sezindleko nengeniso sehlele ku-58.7%, okubonisa ukusebenza kahle kwezindleko. Ibanga layo lokuxhasa ngezimali libanzi, okuhlanganisa ukukhishwa kwamabhondi esigaba sesi-2 kanye nesisekelo esihlukahlukene sokuxhasa ngezimali ngama-92% emali ebekiwe yokuthengisa neyamabhizinisi efinyelela ku-R35.5 billion.

Usayizi wephothifoliyo yayo yemalimboleko ubonisa ukukhula, ngemalimboleko enetheni efinyelela ku-R34.4 billion (ukukhula okungu-8%). Isilinganiso sokulahleka kwesikweletu sithuthukile safinyelela ku-6.3%, okubonisa ukuthi ibhange liphatha kahle ingozi yesikweletu. Izinga lokwehluleka ukukhokha kanye nokuphathwa kwezingozi kuye kwathuthuka kakhulu ngenxa yezindlela eziqinile zokunikeza isikweletu kanye nezinqubo zokubuyisela isikweletu, okwaholela ekwehleni kwama-20% ezindleko zokuqothuka kwemali ngonyaka wezezimali ka-2024. Lokhu kusebenza kahle kwezezimali kuqinisa isikhundla se-African Bank njengesikhungo sezezimali esizinzile futhi esithembekile.

I-African Bank Limited igxile kakhulu ekwenzeni izinto ezintsha zedijithali, ekubolekeni okunesibopho, nasekuhlukahlukeni kwemikhiqizo, okuye kwaholela ekukhuleni okuqhubekayo nasekuzinzeni kwezezimali. Lokhu kuyenza ibe inketho ehamba phambili kubaboleki baseNingizimu Afrika abafuna izixazululo zemalimboleko eziguquguqukayo neziphuma obala. Ngezinhlelo zokwandiswa okwengeziwe, kubukeka sengathi i-African Bank izoqhubeka nokudlala indima ebalulekile emkhakheni wezezimali waseNingizimu Afrika eminyakeni ezayo.