Loanfin

Isingeniso Nenkomba Yenkapani ye-Loanfin E-Ningizimu Afrika

I-Loanfin, esebenza ngaphansi kwe-Chequered Flag Trading 112 (Pty) Ltd, ingumhlinzeki wemali mboleko encane osekunesikhathi eside esebenza e-Ningizimu Afrika. Yasungulwa ngonyaka ka-2002, le nkampani iqhamuke nezixazululo ezintsha zokubolekisa imali, ihlanganisa ukusebenzisa amagatsha esintu kanye nezindlela zedijithali ukuze ifinyelele izidingo ezahlukene zamakhasimende ayo. Ngamagatsha angu-22 asakazeke kulo lonke elase-KwaZulu-Natal, kanye nomkhiqizo wemali mboleko ye-payday osesithombeni sedijithali, i-Loanfin ibeke umgomo wokunikeza imali mboleko esheshayo nethembekile kubantu abaqashiwe.

I-Loanfin igxile kubantu abaqashiwe abaneminyaka ephakathi kuka-21 no-65, abafuna izikweletu zesikhashana nezesikhathi esiphakathi. Indlela yayo yokusebenza ihlanganisa ukusebenzisa lobu buchwepheshe bedijithali besimanje kanye nokuhlala ihlinzeka ngezinsizakalo ezingatholakala mathupha emagatsheni ayo. Lokhu kusho ukuthi noma ngabe ufuna ukufaka isicelo nge-inthanethi noma uthanda ukuxhumana nomuntu mathupha, i-Loanfin inikeza lezi zinketho zombili. Inkampani ibhaliswe ngokugcwele kuMlawuli Kazwelonke Wezikweletu (NCRCP4631) futhi ihambisana ngokuphelele nemigomo yoMthetho Kazwelonke Wezikweletu, okuqinisekisa ukuthi yonke imisebenzi yayo isemthethweni futhi inesibopho.

Ngenkathi isungulwe nguMnu. Theunis Christoffel Botha, i-Loanfin ihlale iyinkampani ephethwe yimfihlo, igxile ekuhlinzekeni ngezinsizakalo zayo ezingagcini nje ngokwanelisa izidingo zamakhasimende kodwa futhi zigcine izindinganiso eziphakeme zokusebenza kahle nokwethembeka emkhakheni wezezimali. Ukuba khona kwayo okunamandla e-KwaZulu-Natal, kuhlanganiswe nezinsizakalo zayo zedijithali, kuyenza ibe ngumdlali obalulekile emkhakheni wokubolekisa imali e-Ningizimu Afrika.

Imikhiqizo Nemisebenzi Yokubolekisa Ehlinzekwa yi-Loanfin

I-Loanfin inikeza imikhiqizo emithathu eyinhloko yemali mboleko eklanyelwe ukuhlangabezana nezidingo ezahlukene zamakhasimende ayo:

• Imali Mboleko Ye-Payday Eku-inthanethi (Online Payday Loan): Lo mkhiqizo wenzelwe ngokuphelele idijithali, okusho ukuthi ungafaka isicelo futhi ukhokhwe imali ngaphandle kokuvakashela igatsha. Ungaboleka imali efika ku-R4 000, futhi le mali mboleko ivamise ukubuyiswa zingakapheli izinyanga ezimbalwa, ngokuvamile ingakapheli inyanga eyodwa. Inhloso yayo ukusiza abantu ngezidingo eziphuthumayo zemali phakathi kwezinsuku zokukhokha umholo.
• Imali Mboleko Yesikhashana (Short-Term Loan): Lo mkhiqizo utholakala kuphela emagatsheni e-Loanfin. Amakhasimende angaboleka imali efika ku-R8 000, ekhokhelwa esikhathini esingafika ezinyangeni eziyisithupha. Lokhu kufanelekile kulabo abafuna imali encane yesikhashana futhi bathanda ukuxhumana mathupha lapho befaka isicelo.
• Imali Mboleko Yesikhathi Eside (Long-Term Loan): Njengemali mboleko yesikhashana, lo mkhiqizo nawo utholakala emagatsheni kuphela. Amakhasimende angaboleka imali enkulu efika ku-R20 000, enesikhathi sokukhokha esingafika ezinyangeni eziyishumi nesishiyagalombili. Lokhu kunikeza inketho kulabo abadinga imali enkulu futhi abadinga isikhathi eside sokuyikhokha.

Yonke le mikhiqizo inemali mboleko encane ka-R1 000. Ngokuphathelene namazinga enzalo, i-Loanfin ayiwadalulanga esidlangalaleni, kodwa wonke amakhasimende kufanele alindele ukuthi amazinga enzalo azohambisana nemigomo yoMthetho Kazwelonke Wezikweletu. Mayelana nezimali zokukhokha, inkampani igcizelela ukuthi akukho zimali zokuqala ezikhokhwayo. Uma kwenzeka kube nokubambezeleka ekukhokheni, kuzosetshenziswa izinhlawulo ezijwayelekile ezihambisana noMthetho Kazwelonke Wezikweletu. Kubalulekile ukuqaphela ukuthi zonke izikweletu ze-Loanfin zingezezokungadingi isibambiso, okusho ukuthi awudingi ukufaka impahla yakho njengesibambiso ukuze uthole imali mboleko.

Inqubo Yokufaka Isicelo, Izidingo, Nezici Zokusebenza Kwe-Loanfin

Ukufaka isicelo semali mboleko ku-Loanfin kulula futhi kusebenziseka kahle, kodwa izidingo zingahluka kancane kuye ngohlobo lwemali mboleko oyifunayo. Indlela yokufaka isicelo iqukethe izindlela ezimbili eziyinhloko:

• Nge-inthanethi: Iwebhusayithi ye-Loanfin yiyona ndlela enkulu yokufaka izicelo zemali mboleko ye-payday. Yonke inqubo, kusukela ekufakeni isicelo kuya ekukhokheni imali, yenziwa nge-inthanethi.
• Emagatsheni: Ngamagatsha angu-22 e-KwaZulu-Natal, amakhasimende angafaka izicelo zemali mboleko yesikhashana neyesikhathi eside mathupha. Lokhu kunikeza ithuba lokuxhumana ngqo nabamele inkampani futhi uthole usizo olungqondile. Ukwesekwa kwamakhasimende kuyatholakala nangezingcingo nama-imeyili.

Ukuze ukwazi ukufaka isicelo, uzodinga ukuhlinzeka ngemininingwane elandelayo:

• Umazisi wase-Ningizimu Afrika (onebhakhodi noma ikhadi elihlakaniphile).
• Izitatimende zasebhange ezifakwe isitembu (ezeminyaka emithathu edlule).
• Inombolo yocingo olusebenzayo ne-imeyili.

I-Loanfin isebenzisa inhlanganisela yokuhlola ukukwazi kwamakhasimende ukukhokha (kuqhathaniswa imali engenayo nezindleko) kanye nokulinganisa isikweletu ukuze ihlole izicelo. Basebenzisa futhi ukuqinisekiswa kwe-OTP kanye ne-DebiCheck ukuqinisekisa ukuthi ama-debit order avikelekile futhi agunyaziwe. Ngemuva kokuba isicelo sakho sigunyaziwe, imali ikhishwa ngokushesha kwi-eWallet ye-Loanfin. Le mali ingase ikhishwe njengemali emagatsheni noma idluliselwe kwi-akhawunti yasebhange exhunywe kule-eWallet.

Ngenkathi i-Loanfin ingenalo uhlelo lokusebenza lweselula oluzinikele, izinsizakalo zayo ze-inthanethi zingatholakala kalula ngesiphequluli seselula. Iwebhusayithi yabo, i-loanfin.co.za, inikeza ukufinyelela okugcwele ekufakeni izicelo ze-inthanethi kanye nesigaba semibuzo evame ukubuzwa. Inkampani iphinde ibe khona ezinkundleni zokuxhumana, njenge-Instagram (@loanfinkzn).

Isimo Sokulawulwa Ngumthetho, Isikhundla Emakethe, Nokuqhathanisa Nezimbangi

I-Loanfin ingumhlinzeki wezikweletu obhaliswe ngokugcwele ngaphansi koMthetho Kazwelonke Wezikweletu (National Credit Act), enenombolo yokubhalisa ye-NCRCP4631. Lokhu kuqinisekisa ukuthi inkampani ihambisana ngokuphelele nayo yonke imithetho nemigomo yokubolekisa ngendlela efanele e-Ningizimu Afrika. Ayikho irekhodi lesidlangalaleni lamacala okulawulwa noma izinhlawulo ezikhishwe ku-Loanfin, okubonisa ukuzibophezela kwayo ekusebenzeni ngendlela efanele nengokomthetho.

Emkhakheni wokubolekisa imali omncane e-Ningizimu Afrika, i-Loanfin ihlukanisa phakathi ngenxa yemodeli yayo exubile. Yenye yabahlinzeki abambalwa abahlanganisa izinsizakalo zokubolekisa imali ye-payday yedijithali nezinsizakalo zamagatsha e-KwaZulu-Natal. Lokhu kuyinikeza inzuzo yokusebenzela izimakethe ezahlukene zamakhasimende – labo abathanda ukusebenzisa idijithali nalabo abakhetha ukuxhumana mathupha.

Izimbangi eziyinhloko ze-Loanfin zifaka izinkampani ezifana ne-Capfin, i-EasyFin, ne-Atlas Finance. Ngenkathi lezi zinkampani nazo zihlinzeka ngezinsizakalo zemali mboleko, i-Loanfin izihlukanisa ngokunikela ngemali mboleko nge-eWallet yayo, okunikeza ukufinyelela okusheshayo emalini. Imodeli yayo exubile, njengoba kushiwo, iyasiza futhi. Nokho, idatha emayelana nesabelo semakethe ye-Loanfin ayitholakali esidlangalaleni. Mayelana nokukhula, alukho ulwazi oludaluliwe esidlangalaleni mayelana nezinhlelo zokunweba ngaphandle kwesifundazwe i-KwaZulu-Natal.

Izibuyekezo zamakhasimende ezitholakala ku-inthanethi zimbalwa, kodwa imibiko ethile ikhombisa ukuthi insizakalo emagatsheni ishesha futhi ihamba kahle, kuyilapho ulwazi lwedijithali lungahluka. Ezinye zezikhalo ezivamile zihlanganisa ukungabi nalo uhlelo lokusebenza oluzinikele lweselula, isidingo sezitatimende zasebhange ezifakwe isitembu, kanye nokulinganiselwa kwemikhiqizo etholakala ku-inthanethi.

Izeluleko Eziwusizo Kulabo Abafuna Ukuboleka Imali Ku-Loanfin

Uma ucabanga ukuboleka imali ku-Loanfin, kubalulekile ukuba uqonde kahle izinqubo nezidingo ukuze uqinisekise ukuthi uthatha isinqumo esihlakaniphile sezimali. Nansi eminye imihlahlandlela ewusizo:

• Hlola Ukukwazi Kwakho Ukukhokha: Ngaphambi kokufaka isicelo, zihlole ukuthi uyakwazi yini ukukhokha imali mboleko ngesikhathi esibekiwe. I-Loanfin izohlola ukukwazi kwakho ukukhokha ngokubheka imali yakho engenayo nezindleko zakho, kodwa kufanele nawe uzihlole ngokwethembeka ukuze ugweme ukuzifaka esikweletini esingadingekile.
• Qonda Imigomo Nemibandela: Ngenkathi amazinga enzalo engadalulwanga esidlangalaleni, kubalulekile ukubuza futhi uqonde kahle yonke imigomo, okuhlanganisa nesikhathi sokukhokha nezimali zokukhokha uma kwenzeka ubambezeleka. Cela incazelo egcwele ngaphambi kokusayina noma yiziphi izivumelwano.
• Lungiselela Amadokhumenti Adingekayo: Qiniseka ukuthi unayo yonke imibhalo edingekayo, ikakhulukazi umazisi wakho wase-Ningizimu Afrika kanye nezitatimende zasebhange ezifakwe isitembu ezinyangeni ezintathu ezedlule. Ukungalungeli kwalezi zinto kungaholela ekubambezelekeni kwenqubo yesicelo sakho.
• Khetha Indlela Efanele Yokufaka Isicelo: Uma ufuna imali mboleko ye-payday, indlela ye-inthanethi iyashesha futhi ilula. Kodwa uma udinga imali mboleko yesikhashana noma yesikhathi eside, noma uthanda ukuxhumana mathupha, ukuvakashela igatsha le-Loanfin kuyindlela engcono kakhulu.
• Qonda Ukukhishwa Kwemali Nge-eWallet: I-Loanfin ikhipha imali nge-eWallet yayo. Lokhu kusho ukuthi ungakwazi ukuthola imali yakho ngokushesha. Qiniseka ukuthi uqonda ukuthi ungayifinyelela kanjani leyo mali – kungaba ngokuyikhipha emagatsheni noma ngokuyidlulisela kwi-akhawunti yakho yasebhange.
• Isidingo Sezitatimende Zasebhange Ezifakwe Isitembu: Njengoba leli kungenye yezikhalo ezivamile, qiniseka ukuthi izitatimende zakho zasebhange zifakwe isitembu yibhange lakho. Uma ungenazo ezifakwe isitembu, inqubo yakho ingase ibambezeleke.
• Boleka Ngendlela Eneziqondiso: Noma ngabe isidingo sakho esiphuthumayo kangakanani, hlala uboleka ngendlela efanele. Imali mboleko kufanele ibe yisixazululo sesikhashana, hhayi indlela yokuphila. Ukuhlala unolwazi ngezimali zakho kuyisihluthulelo sokugwema izinkinga zesikweletu esikhathini esizayo.

I-Loanfin inikeza inketho ewusizo kubantu abaningi abaqashiwe e-Ningizimu Afrika, ikakhulukazi labo abase-KwaZulu-Natal. Ngokwazi kahle imikhiqizo yayo, izidingo, nezindlela zokusebenza, ungenza izinqumo ezinolwazi nezihlakaniphile mayelana nezidingo zakho zemali mboleko.