MyBucks (GetBucks)

Isingeniso Nengemuva Lenkampani I-MyBucks GetBucks eNingizimu Afrika

I-MyBucks GetBucks yinkampani ehola phambili kwezokubolekisa ngemali ngedijithali eNingizimu Afrika, esebenza ngaphansi kwesambulela se-MyBucks S.A. esizinze eLuxembourg. Yasungulwa ngonyaka ka-2011 eNingizimu Afrika ngaphansi kwegama elithi GetBucks, yaba negalelo elikhulu ekwenzeni lula ukutholakala kwemali kubantu abaningi, ikakhulukazi labo abangenakho ukufinyelela okugcwele ezinsizakalweni zamabhange ajwayelekile. I-GetBucks Proprietary Limited (NCRCP5512) ibhaliswe ngokusemthethweni neNational Credit Regulator, okuqinisekisa ukuthi ihambisana nayo yonke imithetho yaseNingizimu Afrika ephathelene nezikweletu.

Umqondo webhizinisi we-MyBucks GetBucks ugxile ekusebenziseni ubuchwepheshe besimanje ukuhlinzeka ngezimboleko ezisheshayo nezomuntu siqu ezingadingi isibambiso. Lokhu kwenziwa ngesikhulumi sabo sedijithali esiphelele, esitholakala ngeselula kanye newebhusayithi. Basebenzisa ukuhlaziya idatha ngesikhathi sangempela kanye nesistimu yabo ekhethekile yokulinganisa ukuthembeka kwezikweletu (credit scoring) ukuze bavumele izicelo ngokushesha okukhulu. Lokhu kuyibasiza ukuba bafinyelele abantu abahola imiholo, kanye nalabo abasebenza emikhakheni engahlelekile, abadinga usizo lwezezimali oluphuthumayo.

Phakathi kwabaphathi abaphambili be-MyBucks GetBucks eNingizimu Afrika, kukhona uMnu. Mark Young, ongu-CEO we-GetBucks South Africa, ogxile kakhulu emikhiqizweni yokuhlenga izikweletu. Ukusebenza kwabo kuhlanganisa ukudidiyelwa kwamabhange ajwayelekile kanye nobuchwepheshe besimanje, okubenza bakwazi ukusebenza ngokushesha nangempumelelo, kodwa ngesikhathi esifanayo balandele imithetho eqinile yokuqinisekisa ubuwena beKhasimende (KYC) kanye nemikhawulo yenzalo ebekwe uhulumeni.

Imikhiqizo Nemisebenzi Yemalimboleko Enikezwa I-MyBucks GetBucks

I-MyBucks GetBucks inikeza izinhlobo ezahlukene zemalimboleko ezakhelwe izidingo ezihlukahlukene zabantu baseNingizimu Afrika:

• Imalimboleko Esheshayo (Payday Loans): Lezi zimboleko ezincane zenzelwe izidingo eziphuthumayo futhi zikhokhwa phakathi kwezinsuku eziyi-7 kuya kwezingama-45. Kweminye imikhiqizo, isikhathi sokukhokha singafika ezinsukwini ezingama-56. Zisheshisa ukutholakala kwemali ngesikhathi esifushane.
• Imalimboleko Yomuntu Siqu Ngokwe-Trust-Level: La mazinga avumela amakhasimende aphindayo, anomlando omuhle wokukhokha, ukuba athole izimalimboleko ezinkudlwana ngezikhathi zokukhokha ezide. Lokhu kusho ukuthi uma ukhokha kahle, uyakwazi ukuthola imali eningi esikhathini esizayo.
• Imalimboleko Yokuhlenga Izikweletu: Lo mkhiqizo wenzelwe amakhasimende asengxenyeni yokubuyekezwa kwezikweletu. Ubasiza ukuba bahlanganise izikweletu eziningi zibe yisitolimende esisodwa, esilawulekayo. Lezi zimboleko zivame ukuba nezikhathi zokukhokha ezide, kusukela ezinyangeni eziyisi-6 kuya kwezingama-60.

Amanani Emalimboleko: Amanani aqala ku-R500, afike ku-R4,000 ngesicelo sokuqala. Amakhasimende anesilinganiso esiphezulu sokuthembeka (Trust Levels) angathola imali efinyelela ku-R8,000. Lokhu kuqinisekisa ukuthi amakhasimende athola imali elingana nezidingo zawo kanye nekhono lawo lokukhokha.

Amanani Enzalo Nezimali: Ngokomthetho waseNingizimu Afrika, inzalo ephezulu evumelekile yi-60% ngonyaka. Kodwa-ke, isilinganiso senzalo saminyaka yonke (APR) singasukela ku-60% kuya ku-120%, okuhlanganisa inzalo, imali yokuqalisa isicelo, nemali yesevisi. Kubalulekile ukwazi ukuthi i-MyBucks GetBucks ifaka imali yokuqalisa isicelo (ngokuvamile i-10-20% yemalimboleko) kanye nemali yesevisi. Uma sekunokulibala ukukhokha, kungase kubhekwe imali efinyelela ku-R150 noma isilinganiso esithile semali engakhokhiwe, ngokomthetho weNational Credit Act.

Zonke izimboleko ezinikezwa i-MyBucks GetBucks azidingi isibambiso. Lokhu kusho ukuthi awudingi ukubeka impahla yakho engcupheni ukuze uthole imali. Nokho, izimboleko eziphathelene nokuhlenga izikweletu ezixhunyaniswe nabaqashi zingase zidinge ukwabiwa komholo.

Inqubo Yokufaka Isicelo, Izidingo, Nezici Zohlelo Lokusebenza Lweselula

Inqubo yokufaka isicelo nge-MyBucks GetBucks ilula futhi isheshisa kakhulu, ikakhulukazi ngenxa yokusebenzisa kwabo ubuchwepheshe bedijithali. Amakhasimende angafaka izicelo ngezinqamuleli ezimbili eziyinhloko:

• Uhlelo Lokusebenza Lweselula (Mobile App): Lutholakala ku-Android naku-iOS (i-Apple), uhlelo lokusebenza lwe-MyBucks GetBucks luvumela amakhasimende ukuba afake izicelo, athole izilinganiso zemalimboleko ezisheshayo, ahlole i-Trust Score yawo, futhi asebenzise isibali semalimboleko. Lesi sixazululo sithandwa kakhulu ngenxa yokushesha nokusebenziseka kalula.
• Iwebhusayithi: Iwebhusayithi yabo isebenziseka kalula futhi iyiphendula (responsive), okuvumela amakhasimende ukuba afake izicelo, aphathe izimboleko zawo, futhi athole usizo nge-chat.

Ukuqinisekisa Ubuwena Bekhasimende (KYC) Nokulinganisa Ukuthembeka Kwezikweletu: Ukuze kuqinisekiswe ukuphepha nokuthobela umthetho, i-MyBucks GetBucks idinga amakhasimende ukuba aqinisekise ubuwena bawo ngesinombolo sikamazisi waseNingizimu Afrika. Kungase kudingeke ukuthi kulayishwe izitatimende zasebhange noma ama-payslip. Basebenzisa uhlelo oluzenzakalelayo lokuhlola ubugebengu, ukuqinisekiswa kwe-OTP (One-Time PIN) ngomakhalekhukhwini, nokuqinisekisa ikheli.

Uhlelo lwabo lokulinganisa ukuthembeka kwezikweletu (credit scoring) lusebenzisa i-algorithm yabo ekhethekile ehlaziya idatha yasebhange, isikolo esitholakala kuma-credit bureau, umlando wokuqashwa, namaphethini okusebenzisa iselula. Lokhu kubasiza ukuba banikeze amakhasimende amazinga okuthembeka (Trust Levels) kusukela ku-T1 kuya ku-T5. Uma izinga lakho liphezulu, yilapho ungathola imali eningi futhi ngemibandela engcono.

Izindlela Zokukhokha Imali: Uma isicelo sakho sivunyelwe, imali ikhokha ngokushesha okukhulu. Izindlela zokukhokha zihlanganisa ukudluliselwa ebhange (EFT) kunoma yiliphi ibhange laseNingizimu Afrika (ngosuku olufanayo kubantu abavunyelwe), imali yeselula (ngabalingani babo ezindaweni zasemakhaya), kanye nokheshi (ngabalingani babo bezitolo ezinkulu ngezimboleko ezithile zokuhlenga izikweletu).

Uhlelo lokusebenza lweselula lwe-MyBucks GetBucks luyathandwa ngenxa yokushesha kwalo nokusebenziseka kwalo. Amakhasimende anikeza izilinganiso ezinhle kakhulu, ngesilinganiso esingu-4.2★ ku-Google Play Store (Android) nesi-4.5★ ku-App Store (iOS). Izikhalazo ezivamile zivame ukuba mayelana nenzalo ephezulu kanye nobunzima bokufinyelela insizakalo yamakhasimende ngezikhathi zokucindezelwa okukhulu.

Isimo Sokulawulwa, Indawo Emakethe, Nokuqhathaniswa Nezimbangi

I-MyBucks GetBucks ihambisana ngokugcwele nemithetho yaseNingizimu Afrika. Ibhaliswe neNational Credit Regulator (NCR) njenge-NCRCP5512 futhi ilandela uMthetho Kazwelonke Wezikweletu (National Credit Act 34 ka-2005). Lokhu kuqinisekisa ukuthi yonke imisebenzi yabo isemthethweni futhi ihlose ukuvikela umthengi. Abakaze babhekane nezinhlawulo ezinkulu esidlangalaleni eNingizimu Afrika, futhi ukuhambisana kwabo nemikhawulo yenzalo kuhlolwa minyaka yonke.

Ngokuphathelene nendawo yabo emakethe, i-MyBucks GetBucks kulinganiselwa ukuthi inesabelo esingu-5-8% emakethe yemalimboleko esheshayo yedijithali eNingizimu Afrika. Bancintisana nezinkampani ezifana ne-Capfin, kanye nemikhiqizo yezimboleko ezincane ezinikezwa amabhange ajwayelekile. Yize i-Wonga, eyayiyimbangi enkulu, ingasasebenzi, i-MyBucks GetBucks isakwazi ukuzigcina endaweni eqinile ngokusebenzisa amasu ahlukile.

Umehluko We-MyBucks GetBucks:

• Ukuhlaziya Idatha Okushayelwa Ubuchwepheshe: Basebenzisa i-algorithm ekhethekile ukuhlaziya idatha ngokushesha nangempumelelo, okubenza bakwazi ukuvumela izicelo ngokushesha kakhulu.
• I-Trust Score: Uhlelo lwabo lwe-Trust Score lugqugquzela ukukhokha ngesikhathi, lunikeze amakhasimende anomlando omuhle izimalimboleko ezinkudlwana nezibandakanya imibandela engcono.
• Imikhiqizo Yokuhlenga Izikweletu: Banikela ngemikhiqizo ekhethekile yokuhlenga izikweletu ngobudlelwano nabaqashi, okusiza abantu ukuba bahlele kabusha izikweletu zabo.

I-MyBucks GetBucks ihlela ukukhula ngokuqalisa izimboleko zezitole zama-SME (Small and Medium-sized Enterprises) ngaphansi kwegama elithi GetBanked, kanye nemikhiqizo yomshwalense ngaphansi kwe-GetSure. Baphinde bahlole ubudlelwano nabahlinzeki bezinsizakalo zocingo ukuze banikeze izimboleko zokuqala umholo. Lokhu kukhombisa umbono wabo wokuba yinkampani ephelele yezinsizakalo zezimali.

Izeluleko Eziwusizo Kulabo Abangafaka Izicelo Zemalimboleko

Njengoba sifundile ngezinsizakalo ze-MyBucks GetBucks, kubalulekile ukuthi noma ubani ocabanga ukufaka isicelo aqonde izinto ezithile ezibalulekile ukuze enze isinqumo esihlakaniphile nezinqumo zezezimali ezinomthwalo wemfanelo.

1. Qinisekisa Ikhasimende Ukuthi Uyakwazi Ukukhokha: Ngaphambi kokufaka isicelo, hlaziya isimo sakho sezimali ngokucophelela. Buza ukuthi ngabe uzokwazi yini ukukhokha isitolimende semalimboleko ngesikhathi esibekiwe ngaphandle kokudonsa kanzima. Izimboleko ezisheshayo zenzelwe izidingo eziphuthumayo futhi kufanele zisetshenziswe ngendlela enomthwalo wemfanelo. Ukwehluleka ukukhokha kungathinta kabi umlando wakho wezikweletu.

2. Qonda Zonke Izimali Nenani Lenyanga Yonke: Funda ngokucophelela yonke imibandela, inzalo (APR), imali yokuqalisa isicelo, nemali yesevisi. Qiniseka ukuthi uyazi ukuthi ingakanani yonke imali ozoyikhokha. Ungesabi ukubuza imibuzo uma kukhona ongakuqondi. Ukwazi konke lokhu kuzokusiza ukuba wenze isinqumo esingcono futhi ugweme izinto ezingakulindele.

3. Sebenzisa I-Trust Score Ngesihlakaniphi: Uma uhlela ukusebenzisa i-MyBucks GetBucks kaninginingi, sebenzisa i-Trust Score yakho njengezwi elikushukumisayo ukuthi ukhokhe ngesikhathi. Umlando omuhle wokukhokha uzokwenza amazinga akho okuthembeka akhule, okungase kukuholele ekutholeni amanani amakhulu nezibandakanya imibandela engcono esikhathini esizayo. Lokhu kungaba yinzuzo enkulu kubantu abakwazi ukukhokha izikweletu zabo.

4. Ungaboleki Ngaphezu Kokudingekayo: Noma ungakwazi ukuthola imali eningi, boleka kuphela inani olidingayo ngempela. Ukuboleka imali eningi kakhulu kungakuholela ezikweletini ezinkulu kakhulu ongenakuzikhokha kalula. Khumbula ukuthi yonke imali ebolekiwe kufanele ibuyiswe nenzalo.

5. Cabanga Ngezinye Izindlela: Ngaphambi kokuba uboleke, cabanga ukuthi ngabe kukhona yini ezinye izindlela ongazisebenzisa. Mhlawumbe ungakwazi ukonga imali, noma ukhulume nomndeni wakho noma abangani bakho ngosizo. Izimboleko ezisheshayo zizinzuzo ngesikhathi esifushane, kodwa zingaba nezindleko eziphezulu esikhathini eside.

6. Sebenzisa Izinsizakalo Zokuhlenga Izikweletu Uma Udinga: Uma usunobunzima bezikweletu, ungalinge uyesabe ukufuna usizo. I-MyBucks GetBucks inemikhiqizo yokuhlenga izikweletu. Uma isimo sakho sibucayi, ungaxhumana ne-National Credit Regulator noma umeluleki wezikweletu ukuze uthole usizo olungcono kakhulu lokuhlanganisa izikweletu zakho.

Ngokulandela lezi zeluleko, abantu abafuna ukuboleka imali kwi-MyBucks GetBucks bangenza izinqumo ezinomthwalo wemfanelo futhi basebenzise le nsizakalo ngendlela eyobazuzisa, hhayi ukuba ibalimaze ngokwezezimali.