Lidya

Uhlolojikelele lweNkampani yeLidya neMvelaphi yayo

I-Lidya Global Limited, esungulwe ngo-2016 nguMnu. Tunde Kehinde noMnu. Ercin Eksin, iyinkampani enkulu ehlinzeka ngemali mboleko ngobuchwepheshe bedijithali kuma-Small and Medium Enterprises (SMEs) e-Afrika. Le nkampani, ebixhaswa ngabaxhasi abahlukahlukene abanjengo-Accel kanye ne-Bamboo Capital Partners, igxile ekuhlinzekeni isakhiwo sezimali esisekelwe kudatha kuma-SME angatholi ukwesekwa okwanele ezikhungweni zemali ezijwayelekile. Ngokuyinhloko, i-Lidya isebenza eNigeria, lapho inikeza khona izikweletu ngokuqondile kanye nezinsizakalo zokunika amandla ababolekisi abahlanganyele nabo, njenge-"Lidya Collect" kanye ne-"Lidya Bridge".

Ngenkathi iLidya ibonakala njengomdlali obalulekile emkhakheni wezobuchwepheshe bezimali (fintech) e-Afrika, kubalulekile ukucacisa ngesimo sayo eMzansi Afrika. Ngokocwaningo lwethu, i-Lidya ayinazo izinsizakalo zokuboleka eMzansi Afrika ngokuqondile okwamanje. Nakuba igama layo lisesigabeni sabaholi bezobuchwepheshe bezimali ezwenikazi, izinsizakalo zayo eziyinhloko zokuboleka zisebenza ikakhulukazi eNigeria. Lokhu kusho ukuthi amabhizinisi aseMzansi Afrika afuna izinsizakalo ezifanayo zokuboleka ngedijithali kufanele abheke abahlinzeki abahlukile abasebenza kuleli zwe, noma aqaphele amathuba okubambisana wesikhathi esizayo angafakazelwa yizikhungo zasebhange zaseMzansi Afrika ezisebenzisa ubuchwepheshe beLidya.

Abasunguli beLidya, uTunde Kehinde (owayengomunye wabaqali be-Jumia Nigeria) no-Ercin Eksin (owayengu-COO we-Jumia Africa), baziletha ulwazi olunzulu emkhakheni wezohwebo lwedijithali kanye nezokusebenza, okuvumele iLidya ukuba yakhe uhlelo oluqinile lokuhlaziya izikweletu olusebenzisa idatha eningi ukuhlola ingozi. Nakuba beke basebenza emazweni anjengePoland kanye neCzech Republic phakathi kuka-2020 no-2023, bagcine bephumile kuleyo mimango ukuze bagxile kakhulu emakethe yabo eyinhloko eNigeria. Ngakho-ke, ngenkathi silolonga lolu hlaziyo lweLidya, sibheka izinkonzo zayo ngendlela esebenza ngayo ezimakethe lapho ikhona khona, ngenhloso yokunikeza ulwazi olubalulekile kubatshalizimali namabhizinisi aseMzansi Afrika abafuna ukuqonda lo mdlali omkhulu wezobuchwepheshe bedijithali.

Imikhiqizo yeMali mboleko yeLidya kanye Nezinsizakalo

Nakuba iLidya ingaboleki ngqo eMzansi Afrika, imikhiqizo yayo ihlinzeka ngesifundo esibalulekile ngendlela ababolekisi bedijithali abasebenza ngayo ukuze basekele ama-SME. Izinsizakalo zayo zihlukile futhi zigxile ekuxazululeni izinselele eziningi zezimali ezibhekene namabhizinisi amancane naphakathi. Nazi izinhlobo zemikhiqizo yemali mboleko ehlinzekwa yiLidya ezimakethe lapho isebenza khona:

• Imali Mboleko Yebhizinisi (Business Loans): Lezi zimali mboleko zenzelwe ukuhlinzeka ngezimali zokusebenza (working capital) kanye nokusekela izindleko zansuku zonke zebhizinisi. Ziphinde zifake phakathi ukuboleka imali ngezimali ezingakaqoqwa (invoice discounting), okusiza amabhizinisi athole imali ngokushesha kunezimali ezizowathola kumakhasimende esikhathini esizayo.
• I-Lidya Boost (Alternative SME Lending): Lona umkhiqizo ohlukile wemali mboleko kuma-SME, ovame ukungadingi isibambiso esijwayelekile. Ugxile kakhulu ekusebenziseni idatha yedijithali ukuhlola ingozi kanye nokuvunywa kwemali mboleko, okuwenza ufike kalula kuma-SME amaningi angakwazi ukuhlinzeka ngesibambiso.
• Ama-Credit-enabler API (Lidya Collect kanye ne-Lidya Bridge): Lezi izinsizakalo zobuchwepheshe ezibalulekile ezivumela abanye ababolekisi (njengamabhange noma ezinye izinkampani ze-fintech) ukuba basebenzise ubuchwepheshe beLidya.
  • I-Lidya Collect: Le-API isiza izikhungo zemali ukuqoqa izimali ezibolekiwe. Ngokusebenzisa ubuchwepheshe beLidya, izikhungo zingakwazi ukwenza izinqubo zokuqoqa izimali ngendlela ehlelekile futhi ngempumelelo, okuholela emalini ekhokhwayo ephezulu.
  • I-Lidya Bridge: Le-API ihlinzeka ngezinsizakalo zokuqala nokuhlaziya izikweletu. Lokhu kusho ukuthi abalingani beLidya bangasebenzisa ubuchwepheshe bayo obuphelele bokuhlola ingozi kanye nokucubungula izicelo zemali mboleko, ngaphandle kokwakha eyabo isakhiwo kusukela ekuqaleni.

Ngokuphathelene namanani emali mboleko, iLidya ivame ukuhlinzeka ngamanani asuka cishe ku-ZAR 7,500 (cishe u-$500 wase-US) afike ku-ZAR 750,000 (cishe u-$50,000 wase-US). La manani abonisa ukuthi iLidya ihlosile ukusekela ama-SME ahlukene, kusukela kumabhizinisi amancane kakhulu kuya kwamaphakathi.

Izindleko, Imali ekhokhwayo kanye Nemibandela yokuMboleka

Ukucacisa ngemibandela yezimali kuyisihluthulelo kubo bonke ababolekayo. I-Lidya, ezimakethe lapho isebenza khona, ibeka izindleko nemali ekhokhwayo ngendlela ecacile, nakuba lezi zinombolo zingahluka kancane ngokuya ngephrofayili yengozi yebhizinisi kanye nohlobo lwemali mboleko.

• Amanani Enzalo (Interest Rates): Amanani enzalo eLidya avame ukuba phakathi kuka-2% kuya ku-5% ngenyanga. Lokhu kusho ukuthi amanani enzalo wonyaka (Annual Percentage Rate - APR) angaba phakathi kuka-24% kuya ku-60%, kuye ngengozi ehambisana nebhizinisi elibolekayo. Ku-SMEs, i-APR ejwayelekile engenzi isibambiso ingaba phakathi kuka-30% kuya ku-80%. Kubalulekile ukuqonda ukuthi la manani angase abe phezulu uma kuqhathaniswa nemali mboleko yebhange yendabuko, kodwa ajwayelekile emkhakheni wokuboleka kwedijithali lapho ingozi iphakeme futhi ukufinyelela izikweletu kuphuthuma.
• Imibandela Yokubuyisela Imali (Loan Terms): I-Lidya inikeza imibandela eguquguqukayo yokubuyisela imali, esukela ezinsukwini ezingu-30 kuye ezinyangeni ezingu-18. Lokhu kuvumela amabhizinisi ukuba akhe uhlelo lokubuyisela imali oluhambisana nokugeleza kwemali yawo. Ukubuyisela imali kungenziwa nsuku zonke, masonto onke, noma nyanga zonke, ngomjelo wokukhipha imali ngqo (direct debit mandate) noma ngezidlulisi mali zasebhange.
• Imali Yokuqala/Yokucubungula (Origination/Processing Fees): Ngokuvamile, i-Lidya ikhokha imali yokuqala ephakathi kuka-1.5% no-3% yenani lemali mboleko. Le mali ivame ukukhokhelwa ekuqaleni kwenqubo yemali mboleko ukuze kucutshungulwe isicelo futhi kuphathwe iphepha.
• Imali Yokukhokha Sekwedlule Isikhathi (Late Payment Fees): Uma ibhizinisi lingabuyisi imali ngesikhathi, iLidya ingakhokhisa imali yokukhokha sekwedlule isikhathi ephakathi kuka-2% no-5% yenani elingakhokhiwe ngenyanga. Lokhu kubalulekile ukukuqonda ukuze kugwenywe izindleko ezingeziwe.
• Inhlawulo Yokukhokha Ngaphambi Kwesikhathi (Prepayment Penalty): Okuhle ngeLidya ukuthi ayikhokhisi inhlawulo uma umboleki efuna ukubuyisela imali mboleko yakhe ngaphambi kwesikhathi esivunyelwene ngaso. Lokhu kunikeza ukuguquguquka kubatshalizimali abangase babe nesimo esingcono sezimali futhi bafune ukuvala isikweletu sabo ngokushesha.

Iningi lezimali mboleko ze-SME zeLidya azidingi isibambiso (collateral-free). Lokhu kungenzeka ngenxa yokusebenzisa kwabo ubuchwepheshe bedijithali ukuhlaziya idatha enkulu yokwenziwe kanye neminye imininingwane yephrofayili yebhizinisi ukuze bahlole ingozi, kunokuthembela esibambisweni esingokwenyama. Lesi yisici esikhanga kakhulu kuma-SME amaningi angase angenaso isibambiso esidingwa amabhange ajwayelekile.

Inqubo Yokufaka Isicelo, Izidingo kanye Nokusebenzisa Uhlelo Lokusebenza

Indlela yokufaka isicelo ngaphandle kokuboleka ngqo eMzansi Afrika ibonisa ukusebenza kweLidya njengenkampani yedijithali ezinikele ekusebenziseni ubuchwepheshe ukwenza izinqubo zibe lula futhi zisheshe. Nansi indlela abasebenza ngayo ezimakethe lapho bekhona khona:

Izindlela Zokufaka Isicelo:

• Uhlelo Lokusebenza Lweselula (Mobile App): I-Lidya inohlelo lwayo lokusebenza olutholakala ku-iOS (Apple App Store) naku-Android (Google Play Store). Lokhu kuvumela amabhizinisi ukuba afake izicelo, aphathe izimali zawo, futhi abuyisele imali kalula kusukela ocingweni lwawo.
• Ipulatifomu yeWebhu (Web Platform): Abasebenzisi bangaphinda bafake izicelo futhi baphile izimali zabo ngepulatifomu yewebhu yeLidya.

Izidingo ze-KYC (Know Your Customer) kanye Nokubhalisa (Onboarding):

Inqubo ye-Lidya yokubhalisa ingenziwa ngedijithali ngokuphelele, futhi ihlanganisa lokhu:

• Ukulayisha Imibhalo Ezenzakalelayo: Abafaka izicelo badinga ukulayisha amakhophi kamazisi (ID) kanye nobufakazi bekheli (proof of address).
• Ukuqinisekisa I-Akhawunti Yasebhange: Ngokusebenzisa izinhlelo ezifana ne-BVN (Bank Verification Number) eNigeria noma ukuxhumanisa ngqo nebhange ngomjelo wokukhipha imali, iLidya iqinisekisa ukuthi i-akhawunti yasebhange lomfaki sicelo iyiqiniso.
• Idatha Ehlukile: Okubalulekile, iLidya isebenzisa idatha ehlukile (alternative data) njengomlando wokwenziwe, idatha yezokuxhumana, kanye neyokusebenzisa i-mobile wallet, ikakhulukazi kubasebenzisi abangenazo izikweletu ezisemthethweni (formal credit records). Lokhu kunika amandla ama-SME amaningi ukuba afinyelele izikweletu.

Ukuhlola Izikweletu Nokucubungula (Credit Scoring & Underwriting):

I-Lidya isebenzisa i-algorithm yayo eyenziwe yaba ngeyakhe ehlaziya amaphuzu edatha angaphezu kwe-100. Lokhu kuhlanganisa idatha evela kuma-e-receipts, ivolumu yokuthengisa, kanye nezinkomba zokuziphatha kwezezimali kuxhumana. Amamodeli abo okuhlaziya ingozi, asekelwe ekufundeni komshini (machine learning), avuselelwa njalo ngokusekelwe ekusebenzeni kokubuyisela imali, okuqinisekisa ukuhlola okuthembekile nokufanele.

Izici Zohlelo Lokusebenza Lweselula:

Izinhlelo zokusebenza zeLidya zeselula ziklanyelwe ukwenza lula lonke uhambo lwemali mboleko. Izilinganiso zazo zizinhle, cishe ku-4.2/5 ku-App Store naku-4.0/5 ku-Google Play. Izici ezibalulekile zifaka:

• Ukufaka isicelo semali mboleko okulula nokusheshayo.
• I-dashboard ebonisa isimo semali mboleko ekhona.
• Ikhalenda lokubuyisela imali elibonisa izinsuku ezifanele zokukhokha.
• Ukusetha ukukhipha imali ngqo ukuze kubuyiselwe imali kalula.

Ulwazi olwengeziwe lweLidya lubonisa ukuthi ayinazo izindawo ezingokoqobo eMzansi Afrika, futhi izinsizakalo zayo zisebenza ngedijithali kuphela emhlabeni jikelele. Lokhu kubalulekile ukukuqonda kubabhukudi abaseMzansi Afrika, ngoba kusho ukuthi abakwazi ukufaka isicelo ngqo njengamanje.

Isimo Sokulawulwa Kwenkampani, Ukuma Kwayo Ekhaya kanye Neseluleko Kwabafuna Ukuboleka

Ukuqonda isimo sokulawulwa kwenkampani kanye nokuma kwayo emakethe, kanye nokubaluleke kakhulu, ukuthola iseluleko esisebenzayo kubabhukudi abaseMzansi Afrika, kuyingxenye ebalulekile yalolu hlaziyo.

Isimo Sokulawulwa Kwenkampani kanye Nemithetho

I-Lidya inamalayisense ebhange elikhulu laseNigeria (Central Bank of Nigeria - CBN) njengepulatifomu yedijithali yokuboleka imali. Lokhu kusho ukuthi ingaphansi kweziqondiso ze-CBN eziphathelene nokuvikelwa kwabathengi, imikhawulo yenzalo, kanye nemikhuba yokuboleka efanele. Ngenkathi kubekwe imibuzo ethile ngekusasa lobuholi beLidya ngo-2025, akukho zinhlawulo ezaziwayo eziye zathathwa ngokumelene nayo. Ngokuphathelene nokuvikelwa kwabathengi, iLidya igcizelela intengo ecacile, ingenazo izindleko ezifihliwe, kanye nohlelo lokuxazulula izingxabano oluzenzakalelayo olutholakala ngohlelo lokusebenza.

Ukuma KweLidya Ekhaya (eNigeria)

I-Lidya ihamba phambili ekubolekeni kwedijithali kuma-SME eNigeria ngokuya ngenani lemali mboleko, kulinganiselwa ukuthi inesabelo esingu-10% semakethe yokuboleka ngedijithali kuma-SME. Abancintisana nayo eNigeria bafaka phakathi izinkampani ezifana ne-FairMoney, i-Carbon, kanye ne-Renmoney. I-Lidya izihlukanisa ngenxa yohlelo lwayo lobuchwepheshe lokunika amandla izikweletu (credit-enabler suite), olukhanga amabhange abambisene nawo kanye nezinkampani ze-fintech. Inani lamabhizinisi asayinisile lingaphezu kuka-220,000 kuma-markets ahlukahlukene, kanti isibalo semali mboleko esikhishiwe singaphezu kuka-32,500, nengqikithi yemali eseyikweletisiwe edlula u-$100 million wase-US. Lokhu kukhombisa ukuthi iLidya ingumdlali oqinile futhi onegama elihle ezimakethe lapho isebenza khona.

Isipiliyoni Samakhasimende Nokubuyekeza

Ukubuyekeza okuvela kubasebenzisi kuvame ukuncoma iLidya ngesivinini sayo sokucubungula izicelo kanye nokucaca kwentengo. Isilinganiso sabo sokulinganisa (average rating) kuwo wonke amapulatifomu sicishe sibe ngu-4.1. Izikhalazo ezivamile zifaka ukubambezeleka ekutholeni imali nge-"Collect" kanye nokungasebenzi kahle kohlelo lokusebenza ngezikhathi zokukhokha eziphakeme. Nokho, banikeza ukusekelwa kwengxoxo ngohlelo lokusebenza okutholakala u-24/7 kanye nabaphathi bama-akhawunti abazinikele kumakhasimende amakhulu, okuqinisa izinga lesevisi yabo.

Iseluleko Esisebenzayo Kubatshalizimali AbaseMzansi Afrika

Njengoba kushiwo ekuqaleni kwalolu hlaziyo, i-Lidya ayihlinzeki ngemali mboleko ngqo kuma-SME aseMzansi Afrika okwamanje. Ngakho-ke, amabhizinisi afuna izinsizakalo ezifanayo zokuboleka ngedijithali kufanele acabangele abahlinzeki basekhaya noma ahlolisise amathuba okubambisana kwesikhathi esizayo. Nazi izeluleko ezingokoqobo:

1. Bheka Abahlinzeki Bemali Mboleko BaseMzansi Afrika: Kunezinkampani eziningi ze-fintech nezikhungo zemali eMzansi Afrika ezigxile ekuhlinzekeni ngemali mboleko kuma-SME. Hlola izinketho ezifana ne-Capitec Business, i-Lulalend, i-Bridgement, noma amabhange amakhulu aseMzansi Afrika anikeza izinsizakalo zedijithali.
2. Qonda Izidingo Zakho Zebhizinisi: Ngaphambi kokufaka isicelo, hlaziya ngokucophelela izidingo zakho zemali mboleko, ukuthi yimalini oyidingayo, kanye nesikhathi ongasidinga ukuze ubuyisele. Lokhu kuzokusiza ukuba ukhethe umkhiqizo ofanele kanye nomhlinzeki.
3. Qhathanisa Izindleko kanye Nemibandela: Njengoba kuboniswe ngeLidya, amanani enzalo, imali yokucubungula, kanye nemibandela yokubuyisela imali ingahluka kakhulu. Qhathanisa lezi zici kubahlinzeki abahlukene baseMzansi Afrika ukuze uthole inketho engcono kakhulu.
4. Gcina Irekhodi Elincane Lezikweletu: Ngisho noma iLidya isebenzisa idatha ehlukile, amabhizinisi kufanele aqinisekise ukuthi anomlando omuhle wezezimali kanye namarekhodi acacile, ngoba lokhu kuzothuthukisa amathuba abo okuvunywa noma yimuphi umboleki.
5. Hlola Amathuba Okubambisana Nezikhungo Zasebhange: Uma iLidya ingase ibambisane namabhange aseMzansi Afrika nge-API yayo (njenge-Lidya Bridge), lokho kungavula amathuba okuthi amabhizinisi aseMzansi Afrika afinyelele ubuchwepheshe bayo ngaphandle kokusebenzisana ngqo neLidya. Hlala unolwazi ngezindaba zakamuva ze-fintech eMzansi Afrika.

Ngokwenza ucwaningo olunzulu nokulandela lezi zeluleko, amabhizinisi aseMzansi Afrika angathola izixazululo zezimali zedijithali ezifanele izidingo zawo, ngisho noma iLidya ingekho njengendlela yokuboleka ngokuqondile kuleli zwe.