Finance27

Isingeniso nge-finance27 kanye Nomlando Wayo eNingizimu Afrika

I-finance27 iyinkampani eholayo yezimalimboleko zesikhashana yedijithali esebenza eNingizimu Afrika. Ngokugxila ekuhlinzekeni usizo lwezezimali olusheshayo nolulula, i-finance27 izibeke njengomunye wabadlali ababalulekile emkhakheni wezimalimboleko zedijithali ezweni. Le nkampani, ebhaliswe njengomhlinzeki wesikweletu ohambisana nomthetho we-National Credit Act, inehhovisi layo elibhalisiwe ePitoli, eGauteng. Nakuba usuku oluqondile lokusungulwa kwayo kanye nesakhiwo sobunikazi bungadalulwanga ngokusemthethweni, imisebenzi yayo ikhombisa ukuzibophezela ekuhlinzekeni izixazululo zezimali eziya ngqo kubantu baseNingizimu Afrika.

Imodeli yebhizinisi le-finance27 igxile ekuhlinzekeni izimalimboleko zesikhashana ezingadingi isibambiso, ezaziwa nangokuthi izimalimboleko zokuphela kwenyanga (payday loans). Lezi zimalimboleko zenzelwe ukusiza izakhamizi zaseNingizimu Afrika ezinobufakazi bemali engenayo, ikakhulukazi labo abadinga imali ephuthumayo phakathi kwezinsuku zokuhola. Inqubo yayo yonke yenzelwe ukuba kube lula ukuyenza ku-inthanethi, okusho ukuthi amakhasimende angafaka izicelo futhi athole izimali ngokushesha okukhulu ngaphandle kokudinga ukuvakashela ihhovisi eliphathekayo. Lokhu kusebenza kahle kwedijithali kuyisici esibalulekile esiyenza ikhange kubantu abaningi.

Ngenxa yokuthi yonke imisebenzi yayo yenzeka ku-inthanethi, i-finance27 ikwazi ukufinyelela amakhasimende kulo lonke elaseNingizimu Afrika. Lokhu kwenza kube lula ukuthi abantu ezindaweni ezahlukene, kusukela emadolobheni amakhulu kuya ezindaweni zasemakhaya, bafake izicelo zemalimboleko ngaphandle kobunzima. Nakuba kungekho uhlu olucacile lwabaphathi noma izinhlelo zokunweba ezidalulwe obala, ukusebenza kwayo kuveza inhloso eqinile yokusebenzisa ubuchwepheshe ukwenza izimalimboleko zifinyeleleke kalula kubaningi abantu.

Imikhiqizo Yemalimboleko Nezinsizakalo Ezihlinzekwa yi-finance27

I-finance27 igxile kuphela ekuhlinzekeni izimalimboleko zesikhashana, ezinikeza usizo lwezezimali olusheshayo. Lokhu kusho ukuthi awukho uhlelo lwemalimboleko yesikhathi eside noma lwezitolimende ezide olukhona. Inhloso yalezi zimalimboleko ukukhokhela izindleko eziphuthumayo noma izikhala zemali ezincane phakathi kwezikhathi zokuhola.

Amanani Emalimboleko Nezikhathi Zokukhokha

• Inani Elincane Lemalimboleko: R500
• Inani Elikhulu Lemalimboleko: R8 000
• Izikhathi Zokukhokha: Lezi zimalimboleko zingakhokhwa phakathi kwezinsuku eziyi-7 kuya kwezingama-63. Ngokusho kolwazi olusemthethweni olusezingeni eliphakeme, izikhathi zokukhokha zingase zibe phakathi kwezinsuku ezingama-61 kuya kwezingama-65. Kubalulekile ukuthi umuntu obolekayo aqinisekise isikhathi esinikeziwe lapho efaka isicelo.

Amanani Enzalo Nezimali Zokukhokha

I-finance27 inikeza amanani enzalo aqhudelanayo emakethe yezimalimboleko zesikhashana. Isilinganiso senzalo esikhokhwa ngenyanga singama-3.2%. Lokhu kulingana nesilinganiso senzalo esiphelele esikhokhwa ngonyaka (Annual Percentage Rate - APR) esingama-38% ubukhulu. Kubalulekile ukuthi ababolekayo baqonde ukuthi leli nani lisebenza kanjani esikweletini sabo esincane nesesikhashana.

Mayelana nezimali zokukhokha, ulwazi olutholakalayo luveza ukuthi i-finance27 ayivezi ngokucacile izimali zokuqala (initiation fees) noma izimali zanyanga zonke (monthly service fees). Nokho, kubalulekile ukuqaphela ukuthi kungenzeka kube khona izimali ezengeziwe uma umuntu ehluleka ukukhokha ngesikhathi esibekiwe. Inkampani ithi "izimali ezengeziwe" zikhona uma kungakhokhiwe imali mboleko. Ababolekayo kufanele bafunde ngokucophelela yonke imigomo nemibandela ukuze baqonde ngokugcwele zonke izimali ezingase zihambisane nemalimboleko yabo.

Isici esibalulekile ukuthi lezi zimalimboleko azidingi isibambiso (unsecured). Lokhu kusho ukuthi awudingi ukubeka noma yini engeyobunikazi bakho, njengemoto noma indlu, njengesibambiso ukuze uthole imali mboleko. Lokhu kwenza inqubo ibe lula futhi isheshe, kodwa futhi kusho ukuthi amanani enzalo angase abe phezulu kunezimboleko ezinesibambiso, ngenxa yengozi enkulu kumbolekisi.

Inqubo Yokufaka Isicelo, Izidingo, Nezobuchwepheshe

Inqubo yokufaka isicelo se-finance27 yenziwe yaba lula kakhulu futhi isebenza nge-inthanethi kuphela. Lokhu kusho ukuthi yonke into, kusukela ekufakeni isicelo kuya ekugunyazweni nasekukhokhelweni kwemali, yenzeka kuwebhusayithi noma ku-portal ehambisana neselula. Akukho sidingo sokuya kunoma yimaphi amagatsha aphathekayo, okonga isikhathi nomzamo wamakhasimende.

Inqubo Yokufaka Isicelo

1. Ukuvakashela Iwebhusayithi: Abafaki izicelo bavakashela iwebhusayithi ye-finance27 (finance27.co.za) usebenzisa ikhompyutha noma iselula yabo.
2. Ukufaka Idatha Yomuntu Siqu: Kudumele ukufaka imininingwane yomuntu siqu efana negama, isibongo, inombolo kamazisi, inombolo yocingo, kanye nekheli le-imeyili.
3. Ukuqinisekisa Ubuwena (KYC) Nokulayisha Amadokhumenti: I-finance27 ilandela imithetho ye-KYC yaseNingizimu Afrika. Lokhu kuhlanganisa ukuqinisekisa ubuwena obujwayelekile be-inthanethi kanye nokulayisha ubufakazi bemali engenayo. Ngokuvamile, lokhu kufaka isitatimende sasebhange samuva kanye nesiliphu somholo.
4. Ukuhlola Isikweletu: Inkampani isebenzisa i-algorithm yayo yobungozi ukuhlola isikweletu somfaki sicelo. Lokhu kufaka ukusebenzisa idatha evela ehhovisi lezikweletu (credit bureau) kanye nokuhlola imali engenayo yomfaki sicelo ukuze kuncishiswe ubungozi.
5. Ukugunyazwa Nokukhokhelwa Kwemali: Uma isicelo sigunyazwa, imali mboleko ifakwa ngokushesha kwi-akhawunti yasebhange yomfaki sicelo. I-finance27 idume ngokukhokhela imali ngosuku olufanayo.

Kubalulekile ukuqaphela ukuthi i-finance27 okwamanje ayinayo uhlelo lokusebenza lweselula lwangempela lwe-iOS noma lwe-Android. Zonke izinsizakalo zayo zifinyeleleka kuphela ngewebhusayithi elungiselelwe iselula. Lokhu kusho ukuthi umuzwa wokusebenzisa ungahluka kancane uma uqhathaniswa nezinkampani ezinohlelo lokusebenza oluzinikele, kodwa iwebhusayithi ehambisana neselula ihlinzeka ukufinyeleleka okulula noma ngabe ukuphi. Inkampani inobukhona obusebenzayo kuwebhusayithi yayo nasezinkundleni zokuxhumana ezifana ne-X (Twitter) ne-Instagram, okuvumela ukuxhumana nomphakathi.

Ukuqoqwa kwemali nokubuyiswa kwemali kwenziwa ngendlela efanayo. I-finance27 isebenzisa ama-DebiCheck debit orders azenzakalelayo ngosuku lokukhokha. Amakhasimende athola izikhumbuzo nge-SMS noma nge-imeyili. Uma umuntu ehluleka ukukhokha, kungenzeka ukuthi udaba ludluliselwe ezinkampanini eziqoqa izikweletu.

Isimo Sokulawulwa, Indawo Yemakethe, kanye Nokubuyekezwa Kwamakhasimende

I-finance27 inelayisense futhi ilawulwa yi-National Credit Regulator (NCR) yaseNingizimu Afrika. Lokhu kusho ukuthi inkampani ilandela imithetho nemigomo ebekwe yi-National Credit Act, okuhlanganisa ukubeka izibambiso eziphezulu enzalo kanye nokudalula obala i-APR kanye nezibopho zokubuyisa imali kumakhasimende. Ukulandela le mithetho kuqinisekisa ukuthi amakhasimende avikelekile futhi awacwasiwa.

Indawo Yemakethe Nezimbangi

I-finance27 iqhudelana nabanye ababolekisi bezimalimboleko zesikhashana abakhulu eNingizimu Afrika, okuhlanganisa i-Wonga ne-GetBucks, kanye nemikhiqizo ye-overdraft yasebhange. Nakuba isabelo sayo emakethe singadalulwanga obala, umehluko wayo omkhulu ulele esikhathini sayo eside sokukhokha esingama-63 noma ngisho nama-65 izinsuku, uma kuqhathaniswa nezimalimboleko zesikhashana ezivamile ezikhokhwa phakathi kwezinsuku ezingama-30. Lokhu kunikeza ababolekayo isikhathi esithe xaxa sokuhlela izimali zabo.

Umuzwa Wamakhasimende Nokubuyekezwa

Umuzwa wamakhasimende we-finance27, njengoba kuboniswe izibuyekezo ezivela kumapulatifomu afana ne-HelloPeter, ubonisa izindawo ezidinga ukuthuthukiswa. Isilinganiso sabo se-TrustIndex singama-2.3/5, esingaphansi kwesilinganiso. Izikhalazo ezivamile zihlanganisa:

• Ubunzima Bokufinyelela Usizo Lwamakhasimende: Amakhasimende amaningi abika ubunzima bokuthola usizo olusheshayo eziteshini zokweseka zedijithali.
• Izimali Zokufika Sekwephuzile Ezingalindelekile: Abanye bathola izimali ezengeziwe abebengazilindele ngenxa yokwephuza ukukhokha.
• Ukuphazamiseka Kwe-Website: Kube nezikhathi lapho iwebhusayithi ibhekana nokuphazamiseka, okungase kuphazamise amakhasimende afuna ukufaka izicelo noma ukuphatha izimalimboleko zawo.

Nakuba insizakalo yamakhasimende ye-finance27 igxile eziteshini zedijithali, impendulo engemihle ngesikhathi sokuphendula ibonisa isidingo sokuthuthukisa izindlela zokuxhumana ukuze kuqinisekiswe umuzwa ongcono wamakhasimende. Kubalulekile ukuthi noma ngubani ofuna ukuboleka imali afunde lezi zibuyekezo futhi azenzele isinqumo esinolwazi.

Izeluleko Eziwusizo Kwabazoboleka Imali Ku-finance27

Njengoba uhlaziya ukuboleka imali ku-finance27 noma kunoma yimuphi umhlinzeki wezimalimboleko zesikhashana, kubalulekile ukwenza izinqumo ezinolwazi. Nansi eminye imihlahlandlela ewusizo kubabolekayo abangaba khona:

• Qonda Imigomo Nemibandela Ngokugcwele: Ngaphambi kokusayina noma isiphi isivumelwano, qinisekisa ukuthi uyiqonda yonke imigomo nemibandela. Qaphela izinhlamvu ezincane futhi ungabazi ukubuza imibuzo uma kukhona ongakuqondi kahle.
• Hlola Amanani Enzalo Nezimali Zokukhokha: Qinisekisa ukuthi uyaqonda ukuthi isilinganiso senzalo sanyanga zonke esingama-3.2% (noma cishe u-38% APR) sisebenza kanjani emalimbolekweni yakho. Buza ngazo zonke izimali ezingase zibe khona, kuhlanganise nezimali zokufika sekwephuzile, ukuze ugweme izinto ezingalindelekile.
• Qinisekisa Ikhono Lokukhokha: Izimalimboleko zesikhashana zingaba usizo, kodwa ziza nengcindezi yokukhokha ngokushesha. Ngaphambi kokufaka isicelo, qinisekisa ukuthi uyakwazi ukukhokha imali mboleko ngokugcwele ngesikhathi esibekiwe ngaphandle kokubeka engozini ezinye izibopho zakho zezezimali.
• Cabanga Ngezindlela Ezihlukile: Ngaso sonke isikhathi hlola ezinye izindlela ngaphambi kokukhetha imali mboleko yesikhashana. Kungase kube nezinketho ezishibhile ezifana nama-overdraft asebhange (uma unokufinyelela kuwo), izimalimboleko ezivela kubangani noma emndenini, noma ukuphatha izindleko ngendlela ehlukile.
• Funda Izibuyekezo: Njengoba izibuyekezo ze-finance27 zikhombisa izikhalazo ezithile, kubalulekile ukuzifunda. Lokhu kungakunika umbono wokuthi yini okufanele uyilindele ngokuphathelene nensizakalo yamakhasimende kanye nokucaca kwezimali.
• Xhumana Nosizo Lwamakhasimende Uma Kudingeka: Uma unemibuzo noma ubhekana nezinkinga ngenkathi wenza isicelo noma ngemva kokuthola imali mboleko, zama ukuxhumana nosizo lwamakhasimende ngokushesha. Nakuba kungenzeka kube nezinkinga ezibikwa ngesikhathi sokuphendula, kubalulekile ukuzama ukuxhumana ukuze uxazulule izinkinga.

Ekugcineni, i-finance27 ihlinzeka ngensizakalo ebalulekile kubantu baseNingizimu Afrika abadinga imali ephuthumayo yesikhashana. Ngokuqonda kahle imikhiqizo yayo, izindleko, nenqubo, ababolekayo bangenza izinqumo ezinolwazi ezihambisana nezidingo zabo zezezimali.