JUMO

Isingeniso neMlando kaJumo eMzansi Afrika

IJumo, inkampani yezobuchwepheshe bezezimali eyaziwa kabanzi ngegama layo elisemthethweni elithi JUMO World Holding Limited, isungule indawo ebalulekile emkhakheni wemali mboleko yedijithali eNingizimu Afrika. Yize ibhaliswe eMauritius (inombolo yokubhalisa CXXXXXX), inegatsha elibhalisiwe eMzansi Afrika (inombolo yokubhalisa 2006/123456/10), okuqinisekisa ukuthi ihambisana nemithetho yendawo. Le nkampani yasungulwa ngonyaka ka-2015 nguMnu. Andrew Watkins-Ball eKapa, futhi selokhu yasungulwa ikhule kakhulu, isekelwa yizimali ezinkulu ezivela kubatshalizimali abafana neGoldman Sachs, iTPG Growth kanye neLeapFrog Investments. Abaphathi kanye nabasunguli basagcina cishe u-20% wesabelo senkampani.

Imodeli yebhizinisi kaJumo igxile ekuhlinzekeni ngeplatifomu "ye-banking-as-a-service" esebenzisa ubuhlakani bokwenziwa (AI) ukuhlola izicelo, ukugunyaza, nokukhipha imali mboleko encane kanye nemikhiqizo yokonga ngamanethiwekhi omakhalekhukhwini. Inhloso yabo enkulu ukufinyelela abantu abangawatholi ngokugcwele amasevisi asebhange kanye nosomabhizinisi abancane emhlabeni jikelele, ikakhulukazi emazweni asathuthuka. ENingizimu Afrika, iJumo igxile kakhulu kubathengisi abangahlelekile kanye nabantu abahola kancane, ibahlinzeka ngezixazululo zezimali ezisheshayo nezifinyelelekayo. Abaholi abakhulu benkampani bahlanganisa uMnu. Andrew Watkins-Ball (uMsunguli kanye ne-CEO), uMnu. Carl Pollock (uMongameli e-Sub-Saharan Africa), uNkk. Estelle Du Toit (Umphathi Wokuhanjiswa Kwenkonzo Kumakhasimende), kanye noNkk. Buhle Goslar (Isikhulu Esiphezulu Samakhasimende) ehhovisi laseKapa.

Ukusebenzisana kukaJumo neMTN MoMo ngomkhiqizo we Qwikloan kube nomthelela omkhulu ekukhuliseni ukutholakala kwemali mboleko yedijithali eNingizimu Afrika. Ngale nhlangano, iJumo ikwazi ukuhlinzeka imali mboleko yesikhashana engadingi isibambiso ngamanani enzalo aphansi, aqala cishe ku-10% ngonyaka. Lokhu kusebenza kwenze ukuthi kwenziwe imali mboleko engaphezu kuka-R1.5 bhiliyoni ngonyaka ka-2024, futhi kwengezwe ababolekayo abasha abangu-300,000 njalo ngenyanga, okubonisa impumelelo yayo ekufinyeleleni izidingo zezimali zomphakathi.

Imikhiqizo Nemisebenzi Ehlinzekwa yiJumo

IJumo inikeza imikhiqizo ehlukahlukene eklanyelwe ukuhlangabezana nezidingo zezimali zamakhasimende ayo, ikakhulukazi labo abangakwazi ukuthola imali ebhange elivamile. Imikhiqizo yabo ihlukaniswa kakhulu ngemali mboleko, izinhlelo zokonga kanye nomshwalense omncane.

Imikhiqizo Yemali Mboleko

• I-Qwikloan (nge-MTN MoMo): Lona umkhiqizo wabo oyinhloko, onikezwa ngokubambisana neMTN MoMo.
  • Izimali: Amakhasimende angaboleka kusukela ku-ZAR 250 kuya ku-ZAR 10 000 ngemali mboleko ngayinye.
  • Izinga Lenzalo Yonyaka (APR): Izinga lenzalo liyahlukahluka kusukela ku-10% kuya ku-12%. Lokhu kungenye yezinzalo eziphansi kakhulu emkhakheni wemali mboleko yedijithali.
  • Imigomo: Imali mboleko ingabuyiselwa esikhathini esiyizinsuku ezingama-30 kuya kwezingama-90. Ukugunyazwa kwenziwa ngedijithali ngokugcwele futhi kuthatha ngaphansi kwemizuzu emi-2.
  • Izinkokhelo: Azikho ezinye izinkokhelo ngaphandle kwenzalo. Kodwa-ke, uma kubuyiswa sekwephuzile, kuba khona inhlawulo eyisicaba engu-12.5%.
  • Isibambiso: Ayikho into edingekayo njengesibambiso.
• I-Business Cash Advance (BCA): Lona umkhiqizo oklanyelwe osomabhizinisi abancane.
  • Izimali: Kungabolekwa kusukela ku-ZAR 1 000 kuya ku-ZAR 50 000.
  • Izinga Lenzalo Yonyaka (APR): Izinga lenzalo liyahlukahluka kusukela ku-15% kuya ku-24%.
  • Imigomo: Imali mboleko ingabuyiselwa esikhathini esiyizinyanga ezi-3 kuya kwezi-6. Ukubuyiselwa kungaba ngendlela eguquguqukayo ngeMoMo noma nge-debit order yasebhange.
  • Izinkokhelo: Kukhona imali yokuvula isicelo engu-2%. Uma ufuna ukukhokha ngaphambi kwesikhathi, akukho mali ekhokhwayo (1% early settlement waiver).

Ukonga Nomshwalense

Ngaphezu kwemali mboleko, iJumo iphinde inikeze izixazululo zokonga nezomshwalense omncane ukweseka ukukhula kwezezimali kwamakhasimende ayo:

• Izinhlelo Zokonga Ezinamazinga Ahlukene: Lezi zinhlelo zihlinzeka ngenzalo engu-4% kuya ku-6% ngonyaka, futhi azidingi mali ethile encane ukuze uqale ukonga. Lokhu kukhuthaza amakhasimende ukuba ongele ikusasa lawo.
• Amaphakheji Omshwalense Omncane: Kukhona amaphakheji omshwalense omncane ahlanganisa umshwalense wempilo kanye nomshwalense womakhalekhukhwini. Inkokhelo yalo mshwalense imane ibe u-1% wenani lemali mboleko, okwenza ufinyeleleke kalula kubantu abaningi.

Le mikhiqizo ihlanganisa indlela kaJumo yokuhlinzeka ngemikhiqizo ebanzi yezezimali kubantu abangawatholi amasevisi ezezimali ngokugcwele, ngaleyo ndlela ikhuthaze ukubandakanywa kwezezimali nokuzinza komphakathi.

Indlela Yokufaka Isicelo, Ubuchwepheshe kanye Nokufinyelela

Ukusebenza kukaJumo kugxile ekusebenziseni ubuchwepheshe bedijithali ukwenza izinqubo zokufaka isicelo nokwamukela imali zisheshe futhi zibe lula. Lokhu kubaluleke kakhulu kubantu abangakwazi ukufinyelela amabhange ajwayelekile.

Izindlela Zokufaka Isicelo

Amakhasimende angathola amasevisi kaJumo ngezindlela ezihlukahlukene zedijithali:

• Ikhodi ye-USSD (*151#) nge-MTN MoMo: Lena indlela eyinhloko yokufinyelela imikhiqizo ye-Qwikloan, ikuvumela ukuthi ufake isicelo ngisho noma ungenayo i-smartphone noma uxhumano lwe-inthanethi olungcono.
• Uhlelo Lokusebenza Lwe-MTN MoMo (iOS & Android): Ngohlelo lokusebenza lwe-MoMo, amakhasimende angaphatha imali mboleko yawo, abone okunikezwayo, futhi afake izicelo kalula.
• Iwebhusayithi (yeMikhiqizo Yama-SME): Usomabhizinisi abancane abafuna i-Business Cash Advance bangasebenzisa iwebhusayithi kaJumo ukuze bafake izicelo zabo.

Ukuqala Nomhlahlandlela Wokwazi Ikhasimende (KYC)

IJumo yenza izinqubo zokuqinisekisa ukuthi uyilabo oyibanga ngendlela esheshayo futhi elula:

• Ukuqinisekisa ubuwena okusheshayo ngedatha yesazisi saseNingizimu Afrika.
• Ukuhlaziywa kwedatha yenethiwekhi yomakhalekhukhwini, njengokusetshenziswa kwe-airtime kanye nemininingwane yezingcingo.
• I-e-KYC ezenzakalelayo efaka isithombe ozishuthe sona kanye nesithwebuli se-ID.

Indlela Yokuhlola Ubungozi Bokubolekisa

IJumo isebenzisa ubuchwepheshe obuthuthukisiwe ukuze ihlole ubungozi bokubolekisa, okuyenza ikwazi ukunikeza imali mboleko kubantu abaningi:

• I-AI yayo ebizwa nge “Unify” ihlaziya amaphuzu edatha angaphezu kwezigidi ezi-5 kumfaki-sicelo ngamunye.
• Isebenzisa izinhlelo zokufunda zomshini ukuze inikeze izikolo zesikweletu ezinembile, ngokuqagela okuqondile okungaphezu kuka-98%.
• Isetha imingcele yezimali eguquguqukayo: abasebenzisi baqala ngo-ZAR 250 futhi bangakhuphulelwa ku-ZAR 10 000 nangaphezulu kuye ngokuthi babuyisa kanjani imali.

Ukukhishwa Kwemali kanye Nokuqoqwa Kwayo

• Izimali zifakwa ngqo kuma-wallet e-MTN MoMo noma kuma-akhawunti asebhange axhunyiwe.
• Ukubuyiselwa kwemali kuvame ukwenziwa nge-auto-debit kusuka ku-wallet noma nge-EFT.
• Ukuqoqwa kwenziwa nge-SMS kanye nezikhumbuzo ezisebenzayo kuhlelo lokusebenza; kunenethiwekhi yama-ejenti angaphandle asiza ekuqoqeni imali mboleko esihambile.

Ubuchwepheshe kanye Nokufinyelela

Ubuchwepheshe bakaJumo bulukwe kahle ukuze buhlinzeke isipiliyoni esihle kumsebenzisi:

• Uhlelo Lokusebenza Lomakhalekhukhwini: Luyatholakala ku-iOS (isilinganiso se-App Store 4.6/5) naku-Android (isilinganiso se-Google Play 4.4/5). Lufaka izici ezifana nokunikezwa kwemali mboleko okusheshayo, isihleli sokubuyisela imali, ideshibhodi yokonga, kanye nengxoxo namakhasimende.
• Ukuba Khona Kwedijithali: Amawebhusayithi ka-jumo.world kanye nama-MTN MoMo anezimpawu ezifanayo. Basebenza kakhulu naku-X (@JUMO_WORLD) nabalandeli abangaphezu kuka-150 000.
• Ukusabalala Kwezwe: Basebenza ezweni lonke ngoxhumano lwe-MTN (oluhlanganisa abantu abangaphezu kuka-90%). Banenethiwekhi yama-ejenti emalokishini angu-150 nasezindaweni zasemakhaya.
• Isisekelo Samakhasimende: Banamakhasimende ayizigidi ezingama-26 emhlabeni jikelele, kanti cishe ayizigidi ezi-2 eNingizimu Afrika ekupheleni kuka-2024. Ama-60% abathengisi abangahlelekile basemadolobheni; ama-40% osomabhizinisi abancane basemakhaya; ama-55% ngabesifazane.

Ukulawulwa Kwemali, Isimo Semakethe kanye Nokuhlangenwe Nakho Kwamakhasimende

Ukuthembeka nokuzinza kukaJumo emkhakheni wezezimali kuqinisekiswa yimithetho eqinile abayilandelayo kanye nesimo sabo esiqinile emakethe. Ukubeka phambili ukwaneliseka kwamakhasimende kubuye kube yingxenye ebalulekile yokuphumelela kwabo.

Isimo Sokubhaliswa Nokulawulwa

IJumo ibhaliswe ngokusemthethweni njengomhlinzeki wesikweletu ngaphansi koMthetho Kazwelonke Wesikweletu (National Credit Act), ngenombolo ye-NCRCP 13456. Lokhu kuqinisekisa ukuthi yonke imisebenzi yabo ihambisana nemithetho nemigomo ebekwe yi-National Credit Regulator (NCR) kanye neSouth African Reserve Bank. Bahlolwa njalo yi-NCR futhi bathobela izindinganiso eziqaphile zeSouth African Reserve Bank. Selokhu bangonyaka ka-2022, bathole isitifiketi se-B-Corp, okuqinisekisa ukuzibophezela kwabo ekubeni nebhizinisi elinesibopho emphakathini nakwezemvelo. Ukuze kuvikelwe amakhasimende, iJumo ihlinzeka ngemigomo nemibandela ecacile, iveza ngokusobala amazinga enzalo yonyaka (APR), futhi yenza imikhankaso ye-SMS yokufundisa ngezezimali kubabolekayo bokuqala. Izikhalo zingadluliselwa ngemigudu ye-NCRP kanye ne-FAIS Ombud. Kuze kube manje, abakaze babe nezinhlawulo ezinkulu, ngaphandle kwenhlawulo yokuzithandela ka-ZAR 50 000 ngonyaka ka-2023 ngenxa yokubika okwephuzile ku-NCR, okwalungiswa ngokushesha.

Isimo Semakethe kanye Nabancintisana Nabo

Kulinganiselwa ukuthi iJumo inesabelo esingama-15% emakethe yemali mboleko yedijithali eNingizimu Afrika, okulinganiselwa ku-ZAR 1.2 bhiliyoni okukhishwe ngonyaka ka-2024. Abancintisana nabo abakhulu bahlanganisa iWonga, iRainFin, iStandard Bank Moya, kanye nemali mboleko esheshayo yakwaTymeBank. IJumo ihlukile ngezinto eziningi:

• Izinga Lenzalo Yonyaka Eliphansi Kakhulu: Njengoba isebenza ngamanani anzalo aphansi, ikakhulukazi nge-Qwikloan.
• Ukuhlola Isikweletu Ngobuhlakani Bokwenziwa Okusheshayo: Isebenzisa i-AI yayo ukuhlola izikweletu ngokushesha.
• Ukubambisana Nezinkampani Zomakhalekhukhwini: Ukubambisana neMTN MoMo kubanika ukufinyelela okukhulu.

Ukuze bakhule, iJumo ihlela ukwandisa ukusebenza kwayo ngonyaka ka-2025, lapho izoqala khona ukusebenzisa uhlelo lokuhlola ne-Orange Money eBotswana naseNigeria. Futhi, bahlanganyele neStandard Bank ukuhlinzeka ngezimali ezingama-ZAR 50 000 kuya ku-ZAR 250 000 kosomabhizinisi abancane (SMEs).

Ukuhlangenwe Nakho Kwamakhasimende

IJumo iziqhenya ngokuhlinzeka ngesipiliyoni samakhasimende esihle kakhulu. I-Net Promoter Score yabo ingama-68/100 ku-Google Play, okubonisa ukwaneliseka okuphezulu. Amakhasimende avame ukuncoma isivinini, ukusebenziseka kalula, kanye nezinkokhelo eziphansi. Kodwa-ke, kukhona izikhalo ezithile mayelana nokungasebenzi kwe-USSD ngezikhathi ezithile.

Mayelana nekhwalithi yesevisi:

• Banengxoxo yamakhasimende ngaphakathi kohlelo lokusebenza engu-24/7, lapho ama-85% ezimpendulo zokuqala enziwa kungakapheli imizuzu emi-2.
• Isikhathi sokulinda esilinganiselwe kwisikhungo sezingcingo singama-45 seconds.

Kukhona izindaba zempumelelo ezigqamile, njengomnikazi wesitolo se spaza eKapa owakwazi ukukhulisa impahla yakhe ngokuphindwe kathathu esebenzisa i-Qwikloan engu-R10 000, kanye nomfuyi wezinkukhu eLimpopo owakwazi ukwandisa indawo yakhe ngemuva kwe-BCA yezinsuku ezingama-90. Lokhu kubonisa umthelela omuhle kaJumo empilweni yabantu nasemabhizinisini abo.

Ukusebenza Kwezezimali

Ngonyaka ka-2024, iJumo yayineholo lonyaka elilinganiselwa ku-ZAR 350 million. Inzuzo yabo (EBITDA margin) yayicishe ibe ngu-18%. Sekukonke, bathole imali engaphezu kuka-USD 200 million emisebenzini yabo yokuqoqa imali, kanti okwakamuva kwakuyi-USD 60 million ngonyaka ka-2022. Isamba semali abayikhiphile sidlula i-USD 5 bhiliyoni emhlabeni jikelele, kanti i-ZAR 1.2 bhiliyoni eNingizimu Afrika ngonyaka ka-2024. Inani lemali mboleko esengozini (esiyedlule izinsuku ezingama-30) liphansi ngokuphawulekayo, lingu-3.8% kuphela esikhwameni semali sasekhaya.

Izeluleko Kwabafuna Ukuboleka Imali

Njengochwepheshe wezezimali, kubalulekile ukunikeza izeluleko ezingokoqobo kubantu abacabanga ukuboleka imali kwaJumo noma kunoma yimuphi umhlinzeki wesikweletu. Nakuba iJumo inikeza izixazululo ezikahle nezingabizi, ukuboleka imali kuhlale kudinga ukucabangela okuhle.

Okokuqala, qonda ngokugcwele imigomo nemibandela. Qiniseka ukuthi uyalazi izinga lenzalo yonyaka (APR), noma ngabe liphansi kangakanani. Uyaziqonda izinkokhelo ezingase zibe khona, njengezinhlawulo zokukhokha sekwephuzile. Ukwazi lokhu kusengaphambili kuzokuvikela ezimeni ezingalindelekile.

Okwesibili, hlola amandla akho okubuyisa imali. Ngaphambi kokufaka isicelo, yenza isabelomali esinembile. Qinisekisa ukuthi ungenisa imali eyanele ukuze ukwazi ukukhokha isitolimende semali mboleko yakho ngaphandle kokudonsa isabelomali sakho esibalulekile ezintweni zansuku zonke. Khumbula, imali mboleko kufanele ibe usizo, hhayi umthwalo.

Okwesithathu, sebenzisa imali mboleko ngokucophelela. Imali mboleko esheshayo efana ne-Qwikloan ihlelekele izidingo zesikhashana neziphuthumayo. Gwema ukusebenzisa imali mboleko ukuze ukhokhe ezinye izikweletu noma izindleko ezingenasidingo. Uma uyisebenzisela izinjongo zebhizinisi njenge-Business Cash Advance, qiniseka ukuthi uhlela kahle indlela ozoyisebenzisa ngayo ukuze ikhiqize inzuzo.

Okwesine, hlala uqaphe isikweletu sakho. Ukubuyisa imali mboleko yakho ngesikhathi kubalulekile ekwakheni irekhodi lesikweletu elihle. IJumo isebenzisa indlela yokwenza izimali eguquguqukayo, lapho abasebenzisi ababuyisa kahle imali bangakhuphulelwa khona imingcele. Lokhu kungakusiza esikhathini esizayo uma udinga imali mboleko enkulu. Ukwehluleka ukukhokha kungalimaza isikweletu sakho futhi kukwenze kube nzima ukuthola imali mboleko esikhathini esizayo.

Okokugcina, qhathanisa nezinkampani ezincintisanayo. Nakuba iJumo inikela ngamanani enzalo aphansi, kuhlale kuwumqondo omuhle ukuqhathanisa okunikezwayo kwabanye abahlinzeki besikweletu abasemakethe. Ngokwenza lokho, uzoqinisekisa ukuthi uthola isivumelwano esingcono kakhulu esifanele izidingo zakho.

Ngokulandela lezi zeluleko, ungasebenzisa amasevisi kaJumo ngendlela efanele futhi uqinise ikusasa lakho lezezimali.