MPOWA

Isingeniso Nokwakhiwa Kwenkampani: Indima ye-mpowa Emhlabeni Wedijithali

Kuleli zwe lanamuhla lapho ubuchwepheshe buhamba phambili khona, izinkampani eziningi zokubolekisa ngemali zishintshela ezindleleni zedijithali ukuze zenze izinsizakalo zitholakale kalula futhi ngokushesha. Enye yalezo zinkampani ezihamba phambili kule ndima eNingizimu Afrika yi-mpowa. Yasungulwa ngonyaka ka-2008, i-mpowa Finance (Pty) Ltd ingesinye sezibolekisi zemali zokuqala eziku-inthanethi eMzansi Afrika, okuyenza ibe neqhaza elikhulu ekwakhiweni kwezimboni zedijithali zemalimboleko.

Ngaphansi kwenombolo yokubhalisa yenkampani engu-2011/128825/07 kanye nenombolo yokubhalisa ye-National Credit Regulator (NCR) engu-NCRCP6666, i-mpowa isebenza ngokugcwele ngaphansi kwemithetho ye-National Credit Act. Le nkampani ephethwe ngokuyimfihlo igxile ekuhlinzekeni ngezimalimboleko zesikhathi esifushane, ezingadingi sibambiso, ikakhulukazi kubantu baseNingizimu Afrika abaqashwe ngokugcwele futhi abahola ngaphezu kwezinkulungwane eziyishumi zamarandi (R10 000) ngenyanga. Inhloso yabo ukusiza abantu abadinga imali esheshayo ukuze babhekane nezimo eziphuthumayo zemali, njengezindleko zezinyanga zokuqala noma ezinye izidingo zesikhashana. Umsebenzi wayo ulawulwa kusukela endlunkulu yayo eseGoli, kanti uMphathi Wezokusebenza (Chief Operating Officer) kunguMnu. Matthew Knowlden.

I-mpowa izifake ezinhliziyweni zabaningi ngokuzibophezela kwayo ekunikezeni izinsizakalo ezisheshayo nezisezingeni eliphezulu, ngaphandle kokudinga amaphepha amaningi noma ukuvakashela ihhovisi. Le ndlela yobuchwepheshe iphumelela kakhulu ekubhekana nezidingo zabantu abafuna ukuthola imali ngokushesha nangendlela elula.

Imikhiqizo Nezici Zemalimboleko ye-mpowa: Okufanele Ukwazi

Lapho kuziwa emikhiqizweni yemalimboleko, i-mpowa igxile kakhulu ezikweletini zomuntu siqu zesikhathi esifushane, ezaziwa nangokuthi izikweletu ze-payday. Lezi zikweletu zenzelwe ukukusiza uze uhole umholo wakho olandelayo, okwenza kube yisisombululo esilungele izimo eziphuthumayo zemali.

• Izimali Zemalimboleko: Kubantu abafaka izicelo okokuqala ngqa, i-mpowa inikezela phakathi kwamakhulu amahlanu amarandi (R500) kuya ezinkulungwaneni eziyisikhombisa zamarandi (R7 000). Amakhasimende abuyayo, abanesikhathi esihle sokukhokha, angakwazi ukuboleka kufika ezinkulungwaneni eziyisishiyagalombili zamarandi (R8 000).
• Amanani Enzalo (Interest Rates) kanye ne-APR: Amanani enzalo e-mpowa alungiselelwe ngokwe-National Credit Act. Ngesikweletu sokuqala, inzalo iba amaphesenti amane nengxenye (4.5%) ngenyanga, okulingana namaphesenti angama-54% ngonyaka (p.a.). Ezikweletini ezilandelayo ezithathwe ngonyaka owodwa wekhalenda, inzalo yehla ibe amaphesenti amathathu (3%) ngenyanga, okulingana namaphesenti angama-36% ngonyaka. Lokhu kukhombisa ukuthi i-mpowa ivuza amakhasimende ayo athembekile.
• Isikhathi Sokukhokha: Izikweletu ezintsha zinesikhathi sokukhokha esiphakathi kwezinsuku ezingama-30 kuya kwezingama-45. Ezikweletini ezincane (micro-loans), isikhathi sokukhokha singasukela ezinsukwini ezimbili kuya kwezingama-32. Kubalulekile ukuthi uqonde lesi sikhathi ukuze uhlele ukukhokha kwakho ngendlela efanele.
• Izimali (Fees):
  • Imali Yokuqala (Initiation Fee): Izikweletu ezingaphansi noma ezilingana nezinkulungwane ezinkulungwane amarandi (R1 000) zinesimali yokuqala engamakhulu ayikhulu namashumi ayisithupha nanhlanu amarandi (R165) kanye ne-VAT. Ezikweletini ezinkulu kunalokho, imali yokuqala iba amaphesenti ayishumi (10%) yenani lemali ebolekiwe.
  • Imali Yesevisi Yamanje (Monthly Service Fee): Kukhona imali yesevisi yenyanga engamashumi ayisithupha amarandi (R60).
  • Izimali Zokulibala Ukukhokha (Late Payment Fees): Uma ulibazisa ukukhokha, kuzongezwa inzalo engamaphesenti amathathu (3%) ngenyanga enanini elisasele. Ngaphezu kwalokho, kungase kube khona izimali ezivela kubaqoqi bezikweletu bangaphandle uma udaba lwakho ludluliselwa kubo.
• Isibambiso (Collateral): Zonke izikweletu ze-mpowa azidingi sibambiso. Lokhu kusho ukuthi awudingi ukubeka noma iyiphi impahla yakho njengesibambiso ukuze uthole imali.

Kubalulekile ukuthi bonke abafaka izicelo bafunde ngokucophelela yonke imigomo nemibandela ukuze baqonde ngokugcwele izindleko ezihambisana nemalimboleko.

Inqubo Yokufaka Isicelo, Ukusebenza Nokusebenzisa Ubuchwepheshe: Ukushesha Nokulula Kwedijithali

I-mpowa iziqhenya ngokuba yinkampani esebenza ngokugcwele ku-inthanethi, okusho ukuthi inqubo yokufaka isicelo kusukela ekuqaleni kuze kube sekupheleni yenziwa ku-inthanethi. Lokhu kuqeda isidingo sokuya kunoma yiliphi igatsha lomzimba, okwenza inqubo ibe lula kakhulu kubantu abamatasa. Isikhulumi sabo sewebhu sinomklamo owenza ukwazi ukusebenzisa kalula kumakhalekhukhwini wakho.

• Izindlela Zokufaka Isicelo: Yonke inqubo yenziwa ngekhasi labo lewebhu. Akukho hlelo lokusebenza oluzinikele lwefoni (mobile app), kodwa iwebhusayithi yabo ilungiselelwe ngokugcwele ukuthi isebenze kahle kakhulu kumakhalekhukhwini.
• Ukuqinisekisa Ubuwena Nokwamukela Ikhasimende (KYC & Onboarding): Ukuze ufake isicelo, uzodinga ukulayisha izitatimende zakho zasebhange zakamuva zezinyanga ezintathu noma ama-payslip akho. Ngaphezu kwalokho, ingxenye yenqubo ihlanganisa ukurekhoda izwi lakho lapho uqinisekisa imininingwane yesivumelwano ngocingo. Lokhu kungenxa yezinhloso zokuqinisekisa ukuthi uyena umnikazi we-akhawunti nokuhambisana nemithetho.
• Indlela Yokuhlola Ukuboleka Imali (Underwriting Methodology): I-mpowa isebenzisa indlela ezenzakalelayo yokuhlola amandla okukhokha. Lokhu kwenziwa ngokusebenzisa idatha yokwenziwa kwezimali yezinyanga eziyisithupha, ngokuhlanganisa uhlelo lwe-Gathr. Lolu hlelo lwenza i-mpowa ikwazi ukuqinisekisa izitatimende zasebhange ngendlela esheshayo futhi inciphise ubugebengu. Iphinde iqinisekise ukuqashwa kanye nemali engenayo ngemibhalo elayishiwe.
• Izindlela Zokukhokha Imali (Disbursement Methods): Uma isicelo sakho sigunyazwe ngaphambi kwehora lesithathu ntambama (3 PM) ngesikhathi sendawo, imali izofakwa ngqo kwi-akhawunti yakho yasebhange ngalo lolo suku. Lokhu kuyisici esihlukile esenza i-mpowa ibe lula kakhulu ezimeni eziphuthumayo.
• Ukuqoqwa Nokubuyiselwa Kwemali (Collection & Recovery): Uma isikhathi sokukhokha sisondele, i-mpowa ihlangana namakhasimende ngaphambi kwesikhathi ukuze bavumelane ngendlela yokukhokha. Uma kungenzeki ukukhokha, udaba ludluliselwa kubaqoqi bezikweletu bangaphandle, okungahambisana nezimali ezengeziwe kanye nokubikwa ku-National Credit Register (NCP), okungathinta kabi umlando wakho wezikweletu.

Ubuholi be-mpowa ebuchwephesheni buyenza ibe yisibonelo sokuthi izinsizakalo zemali zingalethwa kanjani ngokushesha nangendlela ephumelelayo kubantu baseNingizimu Afrika.

Ukulawulwa Komthetho, Isimo Semakethe Nokuqhathaniswa Nezimbangi

Ukuze inkampani yezemali isebenze ngokwethenjwa eNingizimu Afrika, kubalulekile ukuthi ihambisane nemithetho eqinile. I-mpowa inemvume egcwele yokusebenza futhi ibhaliswe njengomhlinzeki wesikweletu ne-National Credit Regulator (NCRCP6666). Isebenza ngaphansi kwezinhlinzeko zoMthetho Wesikweletu Kazwelonke (National Credit Act No. 34 of 2005), okuqinisekisa ukuthi yonke imisebenzi yayo isemthethweni futhi ivikela abathengi.

• Ukuvikelwa Kwabathengi: I-mpowa iyayilandela imithetho ephathelene namanani aphezulu emali yokuqala nemali yesevisi yenyanga. Iphinde iveze ngokusobala izinqubo zokungalibali ukukhokha kanye nomthelela wokungalibali ekubhalisweni kwesikweletu sakho. Kuze kube manje, akukho zirekhodi zomphakathi zezijeziso noma izinsolo ezibhekiswe ku-mpowa, okukhombisa ukuzibophezela kwayo ekusebenzeni ngokufanele.
• Isimo Emakethe Nezimbangi: I-mpowa yenza umsebenzi wayo emakethe yezikweletu zesikhathi esifushane ezihlanganisa izimbangi ezifana ne-Wonga ne-GetBucks, ezingabanye abahlinzeki bezikweletu ababhaliswe ne-NCR. Ngenxa yokuba ngomunye wabaqali kule ndima yezikweletu zedijithali, i-mpowa inesizinda esiqinile samakhasimende.
• Ukuzihlukanisa Nezimbangi: Okuhlukanisa i-mpowa yindlela yayo ethuthukisiwe yokuhlola ubungozi nokwazi amandla okukhokha, ngokusebenzisa idatha yokwenziwa kwezimali enwetshiwe (6 months) ngesixhumanisi ne-Gathr. Lokhu kusiza ekunciphiseni ubugebengu nokwenza izinqumo ezinembile. Ukuhlanganisa ubuchwepheshe ne-Gathr kubonisa ukuthi i-mpowa iyaqhubeka nokutshala imali kubuchwepheshe ukuze ithuthukise izinsizakalo zayo.
• Ukubuyekezwa Kwamakhasimende Nezinsizakalo: Ngokuvamile, amakhasimende anikeza i-mpowa izibuyekezo ezinhle, egqamisa ukushesha nokuba lula kwenqubo yokuthola imali. Kukhona abanye abakhononda ngamanani enzalo aphezulu uma kuqhathaniswa namabhange ajwayelekile, kanye nezinkinga ezithile zokusebenza kwewebhusayithi. Kodwa-ke, iningi lamakhasimende lincoma ukuthi izinsizakalo zamakhasimende ziyahlangabezana nezidingo zawo futhi ziyasiza. Abanye baze bathi bathole imali ngosuku olufanayo ukuze babhekane nezimali zesikole, ukuthenga ukudla, nezinye izimo eziphuthumayo.

I-mpowa iyaqhubeka nokuba ngumdlali obalulekile emkhakheni wokubolekisa ngemali ngedijithali eNingizimu Afrika, ibeka phambili ukushesha, ukusebenzisa ubuchwepheshe, nokuhambisana nomthetho.

Izeluleko Eziwusizo Kwababolekayo kanye Nesiphetho: Ukuboleka Imali Ngokuzibophezela

Njengoba sesibhekile ngokujulile ngezinsizakalo ze-mpowa, kubalulekile ukunikeza izeluleko eziwusizo kunoma ubani ocabanga ukuboleka imali kule nkampani, noma kunoma yimuphi umbolekisi wemali. Ukuboleka imali kuyisinqumo esidinga ukucatshangelwa ngokucophelela.

• Hlola Amandla Akho Okukhokha: Ngaphambi kokufaka isicelo, yenza isabelomali (budget) esinembile ukuze uqinisekise ukuthi uzokwazi ukukhokha imali ebolekiwe kanye nenzalo ngesikhathi esifanele. Ungaboleki imali engaphezu kwamandla akho okukhokha.
• Qonda Zonke Izimali Nemigomo: Funda ngokucophelela yonke imigomo nemibandela. Qiniseka ukuthi uqonda kahle inzalo, imali yokuqala, imali yesevisi yenyanga, nanoma yiziphi izimali zokulibala ukukhokha. Buza imibuzo uma kukhona okungacacile.
• Qhathanisa Izinketho: I-mpowa ingenye yezinkampani eziningi ezinikezela ngezimalimboleko zesikhathi esifushane eNingizimu Afrika. Thatha isikhathi ukuqhathanisa izinsizakalo zayo nabanye ababolekisi ababhaliswe ne-NCR ukuze uthole inketho efaneleka kakhulu ezidingweni zakho nezimo zakho zemali.
• Sebenzisa Izikweletu Zesikhathi Esifushane Ngezimo Eziphuthumayo: Izikweletu ezinjengalezi ze-mpowa zenzelwe izimo eziphuthumayo zemali, hhayi izindleko ezijwayelekile zanyanga zonke. Zisebenzise ngobuhlakani futhi ngendlela enomthwalo wemfanelo.
• Qaphela Umthelela Wokulibala Ukukhokha: Ukungalibali ukukhokha kungaba nemiphumela emibi emlandweni wakho wezikweletu, okungenza kube nzima ukuthola izikweletu esikhathini esizayo. Qinisekisa ukuthi uyakwazi ukuhlangabezana nezinsuku zokukhokha.
• Ziqonde Kahle Inqubo Yedijithali: Njengoba i-mpowa isebenza ngokuphelele ku-inthanethi, qinisekisa ukuthi unokufinyelela ku-inthanethi okuhle kanye namakhono afanelekile edijithali ukuze uhlangabezane nezidingo zokufaka isicelo.

Ekugcineni, i-mpowa ime njengenketho enokwethenjelwa futhi esheshayo kubantu baseNingizimu Afrika abaqashwe abadinga imali yesikhathi esifushane ukuze babhekane nezimo eziphuthumayo. Ngokuhambisana nomthetho, ukusebenzisa ubuchwepheshe obuthuthukisiwe, kanye nokuzibophezela ekuhlinzekeni izinsizakalo ezisheshayo, i-mpowa ihlinzeka ngesisombululo esiwusizo. Kodwa-ke, njengabo bonke ubudlelwano bezemali, ukuzibophezela komuntu obolekayo nokucabanga ngokucophelela kubalulekile. Qiniseka ukuthi wenza izinqumo ezinolwazi ukuze uvikele ikusasa lakho lezemali.