Isingeniso Se-lulalend: Ukubolekisa Ngedijithali Kumabhizinisi AseNingizimu Afrika
Kule minyaka eyishumi edlule, i-lulalend isizibekele indawo njengomdlali oyinhloko emkhakheni wokubolekisa ngezimali ngedijithali eNingizimu Afrika. Yasungulwa ngo-2014 eKapa, le nkampani yangasese ihlale igxile ekuhlinzekeni ngamalimboleko angadingi sibambiso kumabhizinisi amancane naphakathi (ama-SME). Ngokusebenzisa ubuchwepheshe obusezingeni eliphezulu bokuhlola amakhono okukhokha izikweletu, i-lulalend ikwazile ukukhipha imali engaphezu kwezigidi eziyizinkulungwane ezintathu (R3 billion) zemalimboleko, okuyibeka njengomholi emakethe yayo.
I-lulalend (Pty) Ltd, ebhaliswe ngenombolo 2014/156767/07, ihlose ukwenza kube lula futhi kusheshe ukuthola uxhaso lwemali yokusebenza kwamabhizinisi. Abasunguli bayo, uTrevor Gosling (i-Chartered Accountant enesipiliyoni ebhizinisini) noNeil Welman (i-Chemical Engineer onguchwepheshe ezingozini zezikweletu), bakhe imodeli yebhizinisi ehlanganisa ubuchwepheshe obuzenzakalelayo nokusebenzisana okuncane komuntu. Lokhu kusho ukuthi izinqumo zokubolekisa zithathwa ngokushesha, futhi imali ingafakwa ebhange phakathi namahora angama-24 okuvunyelwa kwesicelo.
Imodeli yebhizinisi ye-lulalend ibhekise kumabhizinisi ama-SME anomlando wokuhweba okungenani wonyaka owodwa futhi anengeniso yonyaka okungenani engama-R500,000. Le nkampani isebenzisa indlela ebizwa ngokuthi "tech-and-touch", lapho izinqubo eziningi ezifana nokuqala izicelo, ukuhlola amakhono okukhokha, ukuqapha nokuxhasa ngezimali zizenzakalela. Ukungenelela komuntu kwenzeka kuphela ukuze kuqinisekiswe okokugcina nokuphathwa kobudlelwane namakhasimende, kuqinisekisa ukusebenza kahle nokunikeza isevisi yomuntu siqu lapho kudingeka khona.
Imikhiqizo Nezimiso Zezezimali Ezinikezwa I-lulalend
I-lulalend inikeza imikhiqizo yemalimboleko ehlukene, eklanyelwe ukuhlangabezana nezidingo ezihlukahlukene zamabhizinisi. Yonke le mikhiqizo ayidingi sibambiso, okuyenza ifinyeleleke kalula kuma-SME angase angabi nazo izimpahla ezinkulu zokuwenza isibambiso.
- Isikhungo Semalimboleko Ejikelezayo (RCF): Lena yimalimboleko eguquguqukayo enikeza amabhizinisi umugqa wesikweletu ofinyelela kuma-R5 million. Amabhizinisi angadonsa futhi akhokhe imali ngokwesidingo, okuyenza ilungele izidingo zemali yokusebenza ezingalindelekile. Lesi sikhungo asipheli, kodwa sibuyekezwa njalo ngekota.
- Ukukhokhelwa Kwenhlokodolobha Kusengaphambili: Lena yimalimboleko yohlobo lwemali enkulu enikezwa kanye, nayo efinyelela kuma-R5 million. Ikhokhelwa phakathi kwezinyanga ezi-3 nezingu-12. Amakhasimende amasha anikezwa ikhefu lokukhokha lokuqala lezinyanga ezimbili, okubanika isikhathi sokulungisa izimali zabo ngaphambi kokuba baqale ukukhokha.
- Uxhaso Lwempahla Nempahla Yebhizinisi: Lolu hlobo loxhaso luqondene nenhloso ethile, futhi lungasetshenziselwa ukuthenga impahla noma okokusebenza okudingeka ebhizinisini, futhi lufinyelela kuma-R5 million.
- Imalimboleko Yokuxhuma Izikhala: Lolu wuxhaso lwesikhashana olungasetshenziselwa ukumboza izikhala ezisuka phakathi kwezikhathi zokukhokha, futhi lufinyelela kuma-R5 million.
Amanani Enzalo, Izimali, Nemibandela
Amanani emalimboleko e-lulalend asukela kuma-R20,000 obuncane kuya kuma-R5,000,000 obukhulu. Izindleko zanyanga zonke zemalimboleko zihluka phakathi kuka-1.5% no-6% wemali ebolekiwe. Lokhu kusho ukuthi i-Annual Percentage Rate (APR) ephumelelayo ingaba phakathi kuka-24% no-100% ngonyaka, kuya ngesikhathi nemkhiqizo wemalimboleko ethile. I-APR eqondile ibalwa esikhathini ngasinye futhi ivezwe ngokucacile esicopheni semalimboleko.
Ngokuqondene nezimali, i-lulalend ayinayo imali yokuqala ehlukile; esikhundleni salokho, izindleko zokucubungula zihlanganiswa ezindlekweni zanyanga zonke. Uma kwenzeka ukukhokha sekwephuze, kukhokhwa imali engu-2% ngenyanga ngenani elisesalayo. Enye into ebalulekile ukuthi i-lulalend ayikhokhisi nhlawulo uma ikhasimende likhokha imalimboleko yalo kusenesikhathi, okukhuthaza amabhizinisi ukuba akhokhe ngokushesha uma ekwazi.
Inqubo Yokufaka Isicelo, Ubuchwepheshe, Nokuthobela Imithetho
Inqubo yokufaka isicelo ku-lulalend ingedijithali ngokuphelele, futhi ingenziwa ngohlelo lwabo lokusebenza lweselula (i-iOS ne-Android) noma ngesizindalwazi sabo. Lokhu kususa isidingo samagatsha abonakalayo futhi kwenza inqubo isheshe futhi ibe lula.
Inqubo Yokufaka Isicelo Nokwamukela Amakhasimende (KYC)
Ukuze ufake isicelo, amabhizinisi kufanele axhumanise ama-akhawunti awo asebhange ukuze i-lulalend ikwazi ukungenisa idatha yokwenziwe ngesikhathi sangempela. Uma lokho kungenzeki, angalayisha izitatimende zasebhange zakamuva. Ukuqinisekiswa kwenziwa kusetshenziswa i-ID yaseNingizimu Afrika yomfaki-sicelo kanye nemibhalo yebhizinisi. Inqubo yokwamukela amakhasimende iqedwa phakathi kwemizuzu, okwenza izinto zisheshe kakhulu.
Ukuhlola Amakhono Okukhokha Nokuqinisekisa Imalimboleko
I-lulalend isebenzisa i-algorithm yayo ekhethekile ukuhlaziya idatha ehlukahlukene yebhizinisi, okuhlanganisa idatha yokwenziwe, idatha enye, nedatha yokuziphatha. Lokhu kwenza ukuthi inkampani ikwazi ukuhlola amabhizinisi ngesikhathi sangempela. Iziqumo zokubolekisa zizenzakalela, kodwa amacala angase abe nengozi enkulu amakwa ukuze abuyekezwe ngesandla abaqeqeshiwe. Uma isicelo sesivunyelwe, imali idluliselwa kunoma yiliphi i-akhawunti yasebhange yaseNingizimu Afrika nge-EFT phakathi namahora angama-24.
Uhlelo Lokusebenza Lweselula Nezici Zalo
Uhlelo lokusebenza lwe-lulalend lutholakala ku-iOS (App Store) naku-Android (Google Play), futhi lunezilinganiso ezinhle kakhulu (4.3★ ku-Google Play). Izici zalo zihlanganisa ukuphathwa kwesikhungo semalimboleko, ukulandelela izinkokhelo, ukwabelana ngemininingwane ye-akhawunti, ubufakazi benkokhelo, nezaziso ezibalulekile. Lokhu kunikeza amakhasimende ukulawula okuphelele phezu kwemalimboleko yabo noma ngabe bakuphi.
Ukuthobela Imithetho Nezimiso
I-lulalend ingumhlinzeki wezinsizakalo zezimali obhaliswe noMlawuli Wezikweletu Kazwelonke (NCR) eNingizimu Afrika. Ithobela ngokugcwele uMthetho Wezikweletu Kazwelonke (National Credit Act) kanye noMthetho Wezobunhloli Kwezezimali (Financial Intelligence Centre Act - FICA), okuqinisekisa ukuthi isebenza ngaphansi kwemithetho nemigomo eqinile. Kuze kube manje, azikho izinhlawulo zomphakathi noma izinyathelo zokuphoqelela ezilotshwe kuyo. Izinyathelo zokuvikela umthengi zifaka ukudalulwa kwemali okusobala, amalungelo okucabanga kabusha, ukuhlola okufanele kokubolekisa, nokubethela idatha ebalulekile.
Isikhundla Semakethe, Izibuyekezo Zekhasimende, Nezeluleko Kumabhizinisi
I-lulalend ibalwa phakathi kwabaholi ekubolekiseni ngedijithali kuma-SME eNingizimu Afrika. Ngokuba ngesinye sezinkundla zokuqala ezizenzakalelayo ngokuphelele kuleli, inesabelo esibalulekile emakethe. Umehluko wayo omkhulu ezimbangini ezinjengo-FlexiPay, RainFin, Merchant Capital, nasezingxenyeni zama-SME ze-TymeBank, kusesivinini sayo sokusebenza (amahora esikhundleni samaviki), ukungadingi sibambiso, ukuguquguquka kwezinkokhelo, kanye nokuhlanganiswa ne-neobanking.
Izibuyekezo Zabasebenzisi Nezilinganiso
Izibuyekezo zamakhasimende zombili zinhle nezingaphansi kohlelo. Ku-Google Play, i-lulalend inesilinganiso esingu-4.3★ kwabayikhulu izibuyekezo, okukhombisa ukwaneliseka okujwayelekile. Nokho, ku-Trustpilot inesilinganiso esingu-3.0★ (Okuphakathi), kanti ku-Hellopeter inesilinganiso esingu-2.1★. Izikhalazo ezivamile zihlanganisa ukunqatshwa kokukhishwa kwemali ngesikhathi esingahambelani nesifushane, izindleko eziphakeme ezicatshangwayo zesikhungo esijikelezayo, kanye nokuhlolwa kwezikweletu okuphindaphindiwe.
Ikhwalithi yesevisi yamakhasimende ibonakala ithuthukiswa ngabaphathi bobudlelwane abazinikele kanye nokwesekwa ngezindlela eziningi (i-imeyili ngefoni). Izindaba zokuphumelela ezifaka ukukhula okusheshayo kwebhizinisi nokwakha amathuba emisebenzi ziqinisekisa umthelela omuhle we-lulalend.
Iseluleko Esisebenzisekayo Kumabhizinisi Angase Abone Imali
Njengochwepheshe wezezimali, nginikeza iseluleko esilandelayo kunoma yiliphi ibhizinisi elicabanga ukuboleka imali ku-lulalend:
- Qonda Imigomo Ngokucophelela: Qiniseka ukuthi uyawuqonda wonke amanani enzalo, izimali (ikakhulukazi izindleko zanyanga zonke nemali yokwephuza), kanye nemibandela yokukhokha ngaphambi kokusayina isivumelwano. Buza imibuzo uma kukhona okungacacile.
- Qhathanisa Izinketho: Nakuba i-lulalend inikeza isivinini nokuguquguquka, qhathanisa amanani ayo nezinye izinketho zokuxhasa ngezimali eNingizimu Afrika ukuze uqiniseke ukuthi uthola isivumelwano esihle kakhulu ebhizinisini lakho.
- Hlola Ukuthi Uyakwazi Yini Ukukhokha: Ngaphambi kokuthatha imalimboleko, yenza ukuhlaziya okucophelela kwezimali zakho ukuze uqinisekise ukuthi ibhizinisi lakho lingakwazi ukukhokha izinkokhelo zanyanga zonke ngaphandle kokubeka engozini ukusebenza kwebhizinisi lakho.
- Sebenzisa Imalimboleko Ngokuhlakanipha: Sebenzisa imali ebolekiwe ngezinhloso ezicatshangwayo zebhizinisi ezizoletha inzuzo noma ukukhula, njengokuxhasa imali yokusebenza, ukuthenga impahla, noma ukuxhuma izikhala zezimali.
I-lulalend: Ukukhula Okuzayo kanye Nokubambisana
I-lulalend ayigcini nje ngokunikeza izimalimboleko; inezinhlelo ezinkulu zokukhula. Okunye okubalulekile ukwethulwa kwenkundla yabo ye-neobanking ebizwa nge-"Lula", ngokubambisana ne-Access Bank. Le nkundla ihlose ukuhlinzeka ngezinsizakalo zebhange eziphelele kuma-SME, ihlanganisa uxhaso lwemali nebhange ledijithali.
Le nkampani ihlose ukuphindaphinda kathathu ipotifoliyo yayo yezimalimboleko phakathi nezinyanga eziyi-12 ezilandela ukukhishwa kwe-Series B yayo. Isebenzisana nabalingani abahlukahlukene abakhulu, okuhlanganisa i-Access Bank (njengenkundla yasebhange eyaziwa kulo lonke elase-Afrika), i-Vodacom (ekusatshalalisweni kwezinsizakalo), kanye ne-Yoco ne-Takealot (ekusatshalalisweni kwezikweletu). Lezi zibambisano ziqinisa ukufinyeleleka kwe-lulalend emakethe.
I-lulalend isikhiphe imali engaphezu kwezigidi eziyizinkulungwane ezintathu (R3 billion) kusukela yasungulwa. Izinga layo lezimalimboleko ezingenzi kahle ligcinwe liphansi, phakathi kuka-4% no-5%, okukhombisa ukusebenza kahle kwezinhlelo zayo zokuhlola izingozi nokuqoqa izikweletu. Ngoxhaso lwezezimali oluvela kubatshalizimali abahlonishwayo njenge-Lightrock Africa, DEG, IFC, Triodos IM, Quona Capital, Women’s World Banking, ne-Blue Earth Capital, i-lulalend isesikhundleni esihle sokuqhubeka nokukhula nokusungula izinto ezintsha emkhakheni wezimali zedijithali eNingizimu Afrika.
