Isingeniso Ngesinyezwe SeNkampani YeCapfin
ICapfin SA (Pty) Ltd ingumhlinzeki wemali mboleko oyedijithali oqhubekayo, obhaliswe ngokusemthethweni njengomhlinzeki wesikweletu ngaphansi kweNational Credit Act (NCRCP11812) eNingizimu Afrika. Le nkampani yasungulwa ngonyaka ka-2010 futhi ingaphansi kwePepkor Payments & Lending, okuyingxenye yePepkor Ltd, inkampani enkulu efakwe ohlwini lweJohannesburg Stock Exchange. Lokhu kuxhumana nePepkor kuyinika isisekelo esiqinile emakethe yaseNingizimu Afrika, ikwazi ukufinyelela amakhasimende amaningi ngezitolo ze-PEP ne-Ackermans.
Imodeli yebhizinisi yeCapfin igxile ekuhlinzekeni ngezimali mboleko ezingadingi sibambiso kubantu abasebenzayo nabazisebenzayo abaneminyaka engu-18 nangaphezulu, abanemali engenayo eqinile. Lezi zimali mboleko zenzelwe ukubhekana nezidingo ezahlukene, kusukela ezimeni eziphuthumayo zezimali, ukuthuthukiswa kwamakhaya, izindleko zemfundo, kuya ekuxhaseni amabhizinisi amancane noma izinto zokuzisebenzela.
Abaphathi abahlonishwayo beCapfin bahlanganisa ochwepheshe abanolwazi emkhakheni wezimali nowokuhlinzeka ngamakhasimende, okuqinisekisa ukuthi izinsizakalo zinikezwa ngendlela efanele nangokusezingeni eliphezulu. Ukuba ingxenye yeqembu le-Pepkor kunika iCapfin ukufinyelela okungajwayelekile ezindaweni eziningi ezweni lonke, okusiza abantu abaningi ukuba bafinyelele izinsizakalo zabo zemali.
Imikhiqizo NeZinsizakalo Zemali Ezinikezwa ICapfin
ICapfin inikeza izinhlobo ezimbili eziyinhloko zezimali mboleko ezingadingi sibambiso, eklanyelwe ukuhlangabezana nezidingo ezahlukene zamakhasimende:
- Imali Mboleko Yesikhashana: Lena imali mboleko encane ehlinzekwa ngesikhathi esifushane. Amakhasimende angaboleka isuka ku-R1 000 iye ku-R8 000. Isikhathi sokukhokha singamashumi ayisithupha (6) izinyanga, okwenza kube lula ukuhlela izinkokhelo. Izinga lenzalo lale mali mboleko lingafinyelela ku-60% ngonyaka (okungaba u-5% ngenyanga), kanti izimali zokuphatha zihlanganisa imali yokuqala engu-R535 kanye nengu-R69 ngenyanga yesevisi. Kubalulekile ukuqaphela ukuthi izimali zokujeziswa zikhokhiswa uma sekwephuzwa ukukhokha.
- Imali Mboleko Yomuntu Siqu: Le mali mboleko inkulu futhi inesikhathi eside sokukhokha. Inikeza isuka ku-R8 500 iye ku-R50 000. Isikhathi sokukhokha singaba yizinyanga eziyisithupha (6) kuya kwezingamashumi amabili nane (24) izinyanga. Izinga lenzalo lingafinyelela ku-29.25% ngonyaka. Izindleko zokuphatha zihlanganisa imali yokuqala engu-R650, imali yesevisi engu-R69 ngenyanga, kanye nomshwalense wempilo yamakhasimende abolekile (Credit Life Insurance) okuyisibopho. Izimali zokujeziswa nazo ziyasebenza uma kuphuzwa ukukhokha.
Wonke amazinga enzalo eCapfin ahleliwe, abalwa nsuku zonke futhi afakwe kumali mboleko ngenyanga. Izinga lenzalo langempela lidalulwa ngokugcwele ngesikhathi kufakwa isicelo. Ngokwesibonelo, imali mboleko engu-R5 000 ekhokhelwa ezinyangeni eziyishumi nambili (12) ngenzalo engu-28% ngonyaka, kuhlanganise nezimali zokuphatha, ingaholela ekukhokhweni kwesamba esingu-R7 166. Lokhu kusho ukuthi isitolimende senyanga singaba cishe u-R597.17. Kubalulekile ukuba ababoleki baqonde kahle zonke izimali nezindleko ngaphambi kokusayina isivumelwano.
Inqubo Yokufaka Isicelo Nokusebenza KweCapfin
Inqubo yokufaka isicelo semali mboleko eCapfin yakhelwe ukuba ibe lula futhi ifinyeleleke kalula, inikeza izindlela ezahlukene ukuze ihambisane nezidingo zamakhasimende ahlukene. Amakhasimende angafaka isicelo ngalezi zindlela:
- Iwebhusayithi Yedijithali: Amakhasimende angavakashela iwebhusayithi yeCapfin futhi agcwalise ifomu lesicelo online, afake nemibhalo edingekayo ngokwedijithali.
- I-SMS: Ngokuthumela inombolo kamazisi (ID) yakhe ku-33005, umuntu angaqala inqubo yokufaka isicelo.
- Ezitolo: Amakhasimende angafaka izicelo ezitolo ze-PEP ne-Ackermans ezweni lonke, lapho kukhona abasebenzi abangasiza khona.
Ukuze kuqedelwe inqubo, amakhasimende adinga ukuhlinzeka ngedatha ethile ebalulekile. Lokhu kuhlanganisa inombolo kamazisi yaseNingizimu Afrika, izitatimende zamaholo zakamuva ezintathu (noma izitatimende zasebhange ezintathu), ubufakazi be-akhawunti yasebhange (kubhange elisemthethweni njenge-ABSA, FNB, Capitec, Nedbank, noma i-Standard Bank), kanye nenombolo yocingo yaseNingizimu Afrika ukuze kutholakale i-OTP (One Time Pin) yokuqinisekisa.
ICapfin isebenzisa uhlelo lokuhlola amandla okukhokha oluzenzakalelayo, oluhlanganisa idatha evela kuma-credit bureau kanye nemali engenayo nezindleko ezimenyezelwe ngumfaki sicelo. Lokhu kuqinisekisa ukuthi inkampani ihambisana nemigomo yokubolekisa ngendlela efanele. Uma isicelo sesigunyaziwe, imali ibe isikhokhwa nge-EFT (Electronic Funds Transfer) iye ku-akhawunti yasebhange yomuntu obolekile, ngokuvamile zingakapheli amahora angama-48 kusukela kugunyazwe isicelo.
Mayelana nokuqoqwa kwezinkokhelo, izitolimende zenyanga zikhokhwa nge-DebiCheck debit order. Amakhasimende futhi angenza izinkokhelo ngokufaka imali ebhange esebenzisa inombolo yesikhombisi (reference number), noma akhokhe ezitolo zezitolo ezingabalingani, noma asebenzise i-Capfin Pay portal. Uma sekwephuzwa ukukhokha, kukhokhwa izimali zokujeziswa, futhi kungenzeka ukuthathwe izinyathelo zokuqoqa imali ngokwemithetho ye-NCR.
Ukunamathela Emithethweni Nesikhundla SeCapfin Emakethe
ICapfin inamathela ngokuqinile emithethweni yaseNingizimu Afrika, ibhaliswe neNational Credit Regulator (NCRCP11812). Lokhu kusho ukuthi yonke imisebenzi yayo ilawulwa yiNational Credit Act, iConsumer Protection Act, kanye nemihlahlandlela yeFinancial Sector Conduct Authority (FSCA). Ukunamathela kule mithetho kuqinisekisa ukuthi amakhasimende ayavikeleka futhi athola izinsizakalo ezifanelekile nezingabakhohlisi.
Ngaphakathi emakethe yaseNingizimu Afrika, iCapfin iqhudelana nabanye abahlinzeki bemali mboleko abakhulu abanjengoWonga, Bayport, African Bank, kanye nabanye abahlinzeki abancane. Umehluko omkhulu weCapfin ulele ekubambisaneni kwayo nezitolo zePepkor, okuyivumela ukuba ihlinzeke ngezinsizakalo zedijithali nezitolo, inikeze amakhasimende ukufinyelela okulula ngezindlela ezahlukene. Nakuba ingakhiphi imininingwane eqondile ngesabelo sayo emakethe, njengengxenye yeqembu le-Pepkor, iCapfin iyazuza ngokukwazi ukuthengisa izinsizakalo zayo ezitolo ezingaphezu kuka-2 000, okuyenza ifinyelele inqwaba yabantu abadinga usizo lwezezimali.
ICapfin iphinde ibambisane namaqembu ahlukene afana neSanlam Credit Solutions kanye nezinkundla zokukhokha zedijithali, okwenza izinsizakalo zayo zibe zibanzi futhi zisebenze kahle. Lokhu kuxhumana okubanzi kuyasiza ekuqhubekeni kokukhula kwayo emakethe, ikakhulukazi njengoba kukhona isidingo esikhulayo sezimali mboleko zesikhashana eNingizimu Afrika. Ayikho imilando yezinyathelo zokujeziswa noma izenzo zokuphoqelela ezake zathathwa ngomphakathi ngokumelene neCapfin, okubonisa ukuzibophezela kwayo ekusebenzeni ngendlela efanele nangokuvumelana nomthetho.
Isipiliyoni Samakhasimende Nezeluleko Ezibalulekile Kwababoleki
Isipiliyoni samakhasimende eCapfin sivame ukuba yingxube yokuncoma nokugxeka. Abaningi bayincoma ngejubane lokugunyazwa kwezicelo kanye nokucaca kwemibandela yezimali mboleko. Kodwa-ke, abanye bakhononda ngamazinga aphezulu enzalo kanye nokungahambisani kahle ezinsizakalweni zamakhasimende. Izindaba ezivame ukuvela zihlanganisa izimali zokujeziswa zokwephuza ukukhokha kanye nokubalwa kabusha kwamandla okukhokha, okuholela ezikhalweni ezinkundleni zokubuyekeza ezifana neHelloPeter neGoogle Reviews.
Naphezu kwezikhalazo, zikhona nezindaba eziningi zempumelelo, lapho amakhasimende esebenzisa izimali mboleko zeCapfin ukuxhasa amabhizinisi amancane, ukulungisa amakhaya, noma ukubhekana nezimo eziphuthumayo, okukhombisa umthelela wayo omuhle emphakathini kanye nokufakwa kwezezimali. ICapfin inikeza iwebhusayithi ephumelela ocingweni, okuyenza ifinyeleleke kalula ngisho noma ingenalo uhlelo lokusebenza oluzinikele. Inikeza nezinsiza ezifana nezibali zedijithali kanye nendawo yolwazi olufundisayo ngezezimali, okusiza amakhasimende ukuba enze izinqumo ezinolwazi.
Izeluleko Eziwusizo Kwababoleki Abangaba Khona:
- Qonda Amazinga Enzalo Nezimali Zokuphatha: Ngaphambi kokufaka isicelo, qiniseka ukuthi uyawaqonda kahle amazinga enzalo (ikakhulukazi inga-29.25% noma inga-60% p.a. yezimali mboleko ezincane) kanye nazo zonke izimali zokuphatha ezifana nemali yokuqala kanye nemali yesevisi yenyanga. Lokhu kuzokusiza ukuba ubale kahle ukuthi izokubiza malini le mali mboleko.
- Hlola Amandla Akho Okukhokha: Ngenkathi iCapfin yenza ukuhlola amandla okukhokha, kubalulekile ukuthi nawe uhlaziye isimo sakho sezimali ukuze uqiniseke ukuthi uzokwazi ukukhokha izitolimende ngaphandle kokubhekana nobunzima. Ukungakhokhi kusenesikhathi kungaholela ezinkokhelweni zokujeziswa kanye nokulimaza irekhodi lakho lesikweletu.
- Qhathanisa Izinketho: Njengomhlaziyi wezimali, ngihlale ngeluleka ukuba uqhathanise izinhlinzeko ezivela kubahlinzeki abahlukene bemali mboleko eNingizimu Afrika ngaphambi kokwenza isinqumo. Hlola amazinga enzalo, izimali zokuphatha, kanye nemibandela yokukhokha.
- Sebenzisa Izinsiza Zedijithali: ICapfin inikeza izibali zemali mboleko online nezinsiza zokufunda ngezezimali. Sebenzisa lezi zinsiza ukuhlela isabelomali sakho nokuqonda kangcono izibopho zakho zezezimali.
- Buza Imibuzo: Uma kukhona okungacacile ngemibandela yemali mboleko noma izimali zokuphatha, ungangabazi ukubuza iCapfin noma ukufuna iseluleko sochwepheshe wezezimali.
- Qaphela Imali Mboleko Yokuthuthukisa Ibhizinisi Elincane: Uma uboleka ukuze uthuthukise ibhizinisi elincane (side-hustle), qiniseka ukuthi unecebo eliqinile lokusebenzisa leyo mali futhi indlela ozoyikhokha ngayo.
ICapfin iyinsiza ewusizo kubantu abaningi baseNingizimu Afrika abadinga ukufinyelela ngokushesha emalini mboleko. Kodwa-ke, njengazo zonke izimali mboleko, kubalulekile ukuyisebenzisa ngobuhlakani futhi uqonde kahle zonke izibopho eziyihambisana nayo.
