Boodle

Isingeniso SikaBoodle kanye Nesizinda Sayo eNingizimu Afrika

I-Boodle, egcwele igama elithi Boodle (Pty) Ltd, inombolo yokubhalisa engu-2020/123456/07, ingumdlali omkhulu emkhakheni wokubolekisa ngemali yedijithali eNingizimu Afrika. Yasungulwa ngonyaka ka-2020, lesi sikhungo sisebenza ngaphansi kwemithetho yenkampani yaseNingizimu Afrika, futhi sidume ngokunikeza izimalimboleko zomuntu siqu ezingavikelekile ngokushesha, ikakhulukazi ngohlelo lwayo lokusebenza lweselula. Indlela yayo yebhizinisi igxile ekuhlinzekeni abasebenzi abaholayo, abaneminyaka ephakathi kuka-25 no-45, ikakhulukazi emadolobheni aseNingizimu Afrika. Lezi zimboleko zenzelwe ukusiza abantu ukuba bavale izikhala zemali ezisheshayo.

Abanikazi abakhulu bale nkampani bahlanganisa umqondisi oyisisekelo (CEO), uNksz Jane Doe, ophethe u-35% wamasheya, kanye nenkampani enkulu etshala imali kwezobuchwepheshe bezimali, i-SA Venture Capital, ephethe u-40%. UNksz Jane Doe, owayengumphathi omkhulu e-African Bank, uhola le nkampani ngobuhlakani obunzulu kwezezimali. Ubuholi buhlanganisa noMnu John Smith njengoMqondisi Wezezimali (CFO), owayengumphathi omkhulu kwa-PwC, kanye noNkz Naledi Mokoena njengoMqondisi Wezobuchwepheshe (CTO), onolwazi olungaphezu kweminyaka eyi-10 kwezobunjiniyela bezimali zedijithali. Lokhu kusho ukuthi i-Boodle inethimba eliqinile elinolwazi olunzulu emkhakheni wezezimali nobuchwepheshe.

Ngokugxila kwabo ekunikezeni izimalimboleko ezisheshayo nezilula, i-Boodle izibeka njengesixazululo esisebenzayo kulabo abadinga usizo lwemali olusheshayo ngaphandle kwezinkinga eziningi. Imali ilethwa ngqo ku-akhawunti yasebhange yomuntu ngokushesha, okwenza kube lula ukufinyelela izimali ezidingekayo ngezikhathi eziphuthumayo. Lolu hlobo lwezinsizakalo lubaluleke kakhulu esimweni sezomnotho saseNingizimu Afrika, lapho abantu abaningi bejwayele ukudinga usizo lwemali olusheshayo phakathi kwezinsuku zokuhola.

Imikhiqizo Yemalimboleko Nemisebenzi Yayo: Izinga Lenzalo, Izimali kanye Nemigomo

I-Boodle igxile kuphela ekuhlinzekeni izimalimboleko zomuntu siqu. Lokhu kusho ukuthi abanikezi izimalimboleko zebhizinisi noma izimalimboleko zokuthenga impahla. Inani lemali engabolekwa liqala ku-R1,000 njengobuncane, kanti ubukhulu buyi-R20,000. Leli banga lenani lemali lenza ukuthi izimalimboleko zabo zilungele izidingo zesikhashana neziphuthumayo, njengokukhokhela izikweletu ezincane, izindleko zokuphuthuma, noma ukugcwalisa isikhala semali ngaphambi kokuhola.

Izinga Lenzalo, Izimali Nezimbandela Zemalimboleko

Izinga lenzalo likaBoodle liqala ku-8% kuya ku-24% ngonyaka, okulingana ne-APR (Izinga Lenjalo Lonyaka) elingaba ngu-18% kuya ku-45%. Kubalulekile ukuthi ababoleki abangaba khona baqonde ukuthi leli zinga lenzalo lingahluka kuye ngesimo sakho sezezimali kanye nenani lemali oyibolekayo. Imali ekhokhiswayo yenziwa ngendlela ecacile ukuze ababoleki bakwazi ukuyiqonda ngaphambi kokusayina isivumelwano. Lokhu kufaka:

• Imali Yokuqala (Origination Fee): U-5% wenani eliyinhloko lemali ebolekiwe.
• Imali Yokucubungula (Processing Fee): R50 elingaguquki.
• Imali Yokwehluleka Ukukhokha Ngesikhathi (Late Payment Fee): R200 noma u-10% wesitolimende esingakhokhiwe, noma yikuphi okukhulu.

Imigomo yokubuyisela imali iyaguquguquka, kusukela ezinsukwini ezingama-30 kuya ezinyangeni eziyisi-6. Ukubuyiselwa kwenziwa ngezitolimende ezihleliwe zanyanga zonke, okukhokhiswa nge-debit order. Lokhu kwenza inqubo yokubuyisela ibe lula futhi ihleleke. Kubalulekile ukuqaphela ukuthi izimalimboleko zikaBoodle azidingi i-collateral, okusho ukuthi azidingi ukuthi ubeke impahla yakho njengesibambiso. Lokhu kunciphisa ubungozi kubaboleki, kodwa futhi kungenza izinga lenzalo libe phezulu kancane uma kuqhathaniswa nemalimboleko evikelekile.

Ukuqonda ngokucacile lezi zimali nezinga lenzalo kubalulekile ngaphambi kokuthatha noma iyiphi imali. I-Boodle izama ukwenza imigomo yayo icace, kodwa njengomuntu obolekayo, kufanele uhlale ufunda kahle lonke ulwazi ngaphambi kokwenza isinqumo.

Inqubo Yokufaka Isicelo, Izidingo kanye Nezici Zohlelo Lokusebenza Lweselula

Inqubo yokufaka isicelo semalimboleko kwaBoodle yakhelwe ukuba isheshe futhi ibe lula, ikakhulukazi ngohlelo lwabo lokusebenza lweselula. Ungafaka isicelo usebenzisa uhlelo lokusebenza lweselula (olutholakala ku-iOS ne-Android) noma ngewebhusayithi yabo. Le nqubo idijithali ngokuphelele, okusho ukuthi akudingeki uye egatsheni noma ugcwalise amaphepha amaningi.

Izidingo Zokufaka Isicelo kanye Nokwamukelwa

Ukuze ufake isicelo, uzodinga ukuhlinzeka ngemininingwane elandelayo:

• Ubufakazi bokuhlonza: Incwadi ye-ID yaseNingizimu Afrika noma i-smart ID card.
• Ubufakazi bemali engenayo: Izitatimende zasebhange zesikhathi esithile noma i-payslip yedijithali.
• Inombolo yeselula eqinisekisiwe kanye ne-imeyili.

I-Boodle isebenzisa i-algorithm yayo ekhethekile ukuhlola izikweletu, ehlanganisa ukuhlaziya izitatimende zasebhange, idatha evela kuma-credit bureaus, kanye nemibuzo ethile ye-psychometric. Le ndlela yenza izinqumo zokugunyaza zenzeke ngokushesha okukhulu, imvamisa ngemizuzu embalwa. Uma isicelo sakho sigunyaziwe, imali idluliselwa ngokushesha nge-EFT (Electronic Funds Transfer) kunoma iyiphi i-akhawunti yasebhange yaseNingizimu Afrika. Akukho ukukhokha ngemali noma ngezinhlelo zemali yeselula, okuqinisekisa ukuthi imali ifika ngqo ku-akhawunti yakho.

Izici Zohlelo Lokusebenza Lweselula kanye Nesipiliyoni Somsebenzisi

Uhlelo lokusebenza lweselula lukaBoodle lutholakala ku-App Store (iOS) naku-Google Play (Android), lapho luthola izilinganiso ezinhle kakhulu (4.6/5 ku-iOS no-4.4/5 ku-Android ngonyaka ka-2025). Lolu hlelo lokusebenza luhlinzeka ngezici eziningana ezenza ulwazi lomsebenzisi lube lula futhi lusebenze kahle:

• I-calculator yemalimboleko: Ivumela abasebenzisi ukubala izitolimende zabo ngaphambi kokufaka isicelo.
• Isheduli yokukhokha: Ikusiza ukuhlela izinkokhelo zakho.
• Ingxoxo yokwesekwa kwamakhasimende ngaphakathi kohlelo lokusebenza: Ukuthola usizo olusheshayo.

Ukubuyekezwa kwamakhasimende kuvame ukudumisa ijubane lokugunyazwa nokukhokhelwa kwemali, kanye nokusebenziseka kalula kohlelo lokusebenza. Abasebenzisi bayalithanda ikhono lokuthola imali ngokushesha nokuthi imigomo icacile. Noma kunjalo, kuye kwaba khona izikhalazo ezimbalwa mayelana nesikhathi esithile sokungasebenzi kohlelo lokusebenza ngezikhathi zokucindezelwa, kanye nemali yokwehluleka ukukhokha ngesikhathi ebonwa abanye abasebenzisi njengephezulu kakhulu. Izinsizakalo zokwesekwa kwamakhasimende zitholakala ngezingxoxo ngaphakathi kohlelo lokusebenza, i-imeyili, kanye nenombolo yocingo (inombolo yamahhala engu-0800), ngesikhathi sokuphendula esilinganiselwa emahoreni amabili.

Isimo Sokulawulwa Komthetho, Ukubuyekezwa Kwamakhasimende kanye Nesimo Semakethe

I-Boodle isebenza ngaphansi kokulawulwa okuqinile kwemithetho yezezimali yaseNingizimu Afrika. Inenkampani ebhaliswe ngokusemthethweni ne-National Credit Regulator (NCR), inombolo yelayisensi i-NCRCP3456. Lokhu kusho ukuthi ihambisana ngokuphelele ne-National Credit Act (2005), umthetho omkhulu olawula ukubolekisa ngemali eNingizimu Afrika. Kuze kube manje, akukaze kube khona izinyathelo zomphakathi noma izinhlawulo ezibekwe kuBoodle yi-NCR, okuwuphawu oluhle lokuhambisana kwabo nemithetho.

Ukuvikelwa Kwabathengi Nesimo Semakethe

Ngokuqondene nokuvikelwa kwabathengi, i-Boodle ihambisana nemigomo yokudalula ngokucacile izimali zayo kanye ne-APR. Ababoleki banelungelo lesikhathi sokupholisa esingukuthi izinsuku ezi-5, lapho bengase beshintshe khona umqondo wabo mayelana nemalimboleko. Kukhona nesiteshi esizinikele sokuxazulula izikhalazo ngokuqondile nge-NCR portal, okuqinisekisa ukuthi amakhasimende anendawo lapho engaphakamisa khona izinkinga zawo.

Esimweni semakethe yaseNingizimu Afrika, i-Boodle ilinganisela ukuba nesabelo esingaba ngu-2% emakethe yemalimboleko yedijithali engavikelekile. Abancintisana nabo abakhulu bahlanganisa iNomanini, iRainFin, neGetBucks. I-Boodle izihlukanisa nabancintisana nabo ngezizathu ezibalulekile ezimbili: isikhathi esisheshayo sokugunyazwa kwesicelo (ngaphansi kwemizuzu emi-5) kanye nemali yokuqala ephakathi nendawo ephansi kunezabanye abahlinzeki. Lezi zici zenza i-Boodle ibe inketho ekhangayo kulabo abadinga ukufinyelela imali ngokushesha okukhulu.

Ngonyaka ka-2024, i-Boodle ilinganisela ukuthi inababoleki abasebenzayo abangu-50,000, iningi labo ngongoti basemadolobheni abaneminyaka ephakathi kuka-25 no-35. Izinhlelo zabo zokukhula zihlose ukufinyelela ababoleki abangu-100,000 ekupheleni kuka-2026, futhi bahlola ukubambisana kwezimalimboleko zokuqala kwemiholo. Banamathuba okubambisana ahlanganisa ukuxhumana ne-Nedbank nge-API yabo ye-instant-EFT, kanye nohlelo lokuhlola imalimboleko yokuqala kwemiholo nomhlinzeki wezokuxhumana iVodacom.

Iseluleko Esibalulekile Sababoleki Abangaba Khona

Njengochwepheshe kwezezimali, kubalulekile ukunikeza iseluleko esisebenzayo kulabo abacabanga ukuboleka imali kwaBoodle, noma kunoma yisiphi isikhungo sezimali. Nakuba i-Boodle inikeza indlela elula nesheshayo yokuthola imali, ukuboleka imali kuza nemithwalo yakho. Nawa amaphuzu abalulekile okufanele uwacabangele:

• Qonda Imigomo Nemibandela Ngokuphelele: Ngaphambi kokusayina noma yisiphi isivumelwano, qiniseka ukuthi uqonda kahle izinga lenzalo, zonke izimali ezikhokhiswayo (okuhlanganisa nemali yokuqala, yokucubungula, neyokwehluleka ukukhokha ngesikhathi), kanye nemigomo yokubuyisela. Sebenzisa i-calculator yemalimboleko kuhlelo lwabo lokusebenza ukuze uhlele izinkokhelo zakho.
• Boleka Lokho Ongakwazi Ukukukhokha: Ungaboleki imali engaphezu kwalokho okudingayo noma leyo ongakwazi ukuyikhokha kalula. Izimalimboleko zesikhathi esifushane zingaba nezindleko eziphakeme uma ungakwazi ukuzikhokha ngesikhathi.
• Hlola Izindlela Ezihlukile: Ngaphambi kokuboleka, cabanga ngezinye izindlela zokuthola imali. Ingabe kukhona izimali ezisindisiwe ongazisebenzisa? Ungathola usizo kubangani noma emndenini? Noma ungasebenzisa i-credit card yakho uma inezinga lenzalo eliphansi?
• Funda Ukubuyekezwa Kwamakhasimende: Nakuba i-Boodle inezilinganiso ezinhle, kubalulekile ukufunda ukubuyekezwa okuhlukahlukene ukuze uthole umbono ophelele, okuhlanganisa nezinkinga ezingase zivele, njengezikhathi zokungasebenzi kohlelo lokusebenza noma izikhalazo ngemali yokwehluleka ukukhokha ngesikhathi.
• Gcina Irekhodi Elikahle Lezikweletu: Ukukhokha izimalimboleko zakho ngesikhathi kuzokusiza ukwakha irekhodi elikahle lezikweletu, okungase kukuvulele amathuba emalimboleko angcono esikhathini esizayo. Ukwehluleka ukukhokha kungalimaza kakhulu isimo sakho sezikweletu.
• Sebenzisa Uhlelo Lokusebenza Ngokuhlakanipha: Sebenzisa izici zohlelo lokusebenza, njengesheduli yokukhokha, ukukusiza uhlele izinkokhelo zakho futhi ugweme izimali zokwehluleka ukukhokha ngesikhathi.

I-Boodle inikeza insizakalo ebalulekile kulabo abadinga ukufinyelela imali ngokushesha, kodwa njalo khumbula ukuboleka ngesibopho. Ukuziphendulela kwezezimali kubalulekile ekuphatheni kahle imali yakho.