RainFin (Pty) Ltd

Isingeniso NeMvelaphi YeNkampani

I-RainFin (Pty) Ltd ibekwe njengomunye wamaphayona emkhakheni wezimali zedijithali eNingizimu Afrika. Yasungulwa ngonyaka ka-2012, lenkampani yaba eyokuqala ukwethula imodeli yokubolekana phakathi kwabantu (peer-to-peer credit marketplace) kuleli lizwe. Inhloso yayo kwakuwukuxhuma labo abadinga imali mboleko nalabo abazimisele ukukweletisa, ngokusebenzisa inkundla yedijithali esebenzisa ubuchwepheshe obusha ukuze kuqinisekiswe ukusebenza kahle, ukucaca, nokuthola imali ngokushesha. Njengamanje, iLebashe Financial Services (Pty) Ltd ingumnikazi omkhulu weRainFin, inesabelo esingama-74.92% senkampani, okubonisa ukwesekwa okuqinile kwezezimali.

I-RainFin ibhaliswe ngokugcwele eNingizimu Afrika njengoMhlinzeki Wezinsizakalo Zezezimali (Authorised Financial Services Provider - FSP45756) kanye noMhlinzeki Wesikweletu Obhalisiwe (Registered Credit Provider - NCRCP5587). Lokhu kuqinisekisa ukuthi isebenza ngaphansi kwemigomo nemithetho ebekwe yiziphathimandla ezifanele kuleli lizwe, inikeza ukuzethemba kwamakhasimende. Imodi yebhizinisi leRainFin igxile ekusebenziseni ama-algorithms ayo okuhlola ukufaneleka kwesikweletu kanye nokubolekisa okuhlukanisiwe (fractionalised lending) ukuze inikeze amanani enzalo ancintisanayo, izimali zokuphatha ezicacile, kanye nokuthola imali ngokusheho okwenza ababoleki bakwazi ukufinyelela izimali abazidingayo ngesikhathi esifushane.

Imakethe eqondiwe yiRainFin ihlanganisa izigaba ezintathu eziyinhloko: abantu abahola iholo abafuna izimali mboleko zomuntu siqu, izinkampani ezincane naphakathi nendawo (SMEs) ezidinga imali yokusebenza, kanye nezinkampani ezinkulu ezifuna ezinye izindlela zokuxhasa ngezimali. Lesi simo siyenza ikwazi ukuhlinzeka ngezinsizakalo ezahlukene ezinhlobonhlobo zamakhasimende.

Imikhiqizo Yemali Nezinga Lemali Mboleko

I-RainFin inikeza imikhiqizo emithathu eyinhloko yokubolekisa ngemali, ihlinzeka ngezixazululo zezidingo ezahlukene zamakhasimende ayo. Le mikhiqizo ihlanganisa imali mboleko yomuntu siqu, yebhizinisi, neyebhizinisi elikhulu.

Imali Mboleko Yomuntu Siqu (Personal Loans)

• Inani Lemali Mboleko: Amanani akhonjiswa lapho ufaka isicelo.
• Izinga Lenjalo: Liqukethe izinga elishintshashintshayo elixhunywe emakethe, elilinganiselwa ku-11% kuye ku-24% ngonyaka.
• Isikhathi Sokukhokha: Kusukela ezinyangeni eziyi-12 kuye kwezingama-48.
• Izimali Zokuphatha:
  • Imali Yokuqala (Initiation Fee): 2.85% yenani lemali mboleko, elingeqi ku-R1 000.
  • Imali Yesevisi Yenyanga (Monthly Service Fee): R35.
• Isibambiso: Lezi zimali mboleko azidingi isibambiso (unsecured).

Imali Mboleko Yebhizinisi (Business Loans)

• Inani Lemali Mboleko: Kusukela ku-R10 000 kuye ku-R750 000.
• Izinga Lenjalo: Liqukethe izinga elishintshashintshayo, eliqondiswe ku-14% kuye ku-18% ngonyaka (APR).
• Isikhathi Sokukhokha: Kusukela ezinyangeni eziyi-12 kuye kwezingama-48.
• Izimali Zokuphatha:
  • Imali Yokuqala (Initiation Fee): 2.85% yenani lemali mboleko, elingeqi ku-R1 000.
  • Imali Yesevisi Yenyanga (Monthly Service Fee): R60.
• Isibambiso: Lezi zimali mboleko azidingi isibambiso (unsecured) kubantu abanesikweletu esihle.

Imali Mboleko Yebhizinisi Elikhulu (Corporate Loans)

• Inani Lemali Mboleko: Litholakala lapho ufaka isicelo, ngokuya ngezidingo zebhizinisi.
• Izinga Lenjalo: Izinga elishintshashintshayo, elimiswa ngokuya ngohlobo lwesikhwama.
• Isikhathi Sokukhokha: Kusukela ezinyangeni eziyi-12 kuye kwezingama-48.
• Izimali Zokuphatha: Izimali zokuqala kanye nezimali zokuphatha isikhwama zikhonjiswa lapho ufaka isicelo, ziya ngohlobo lwesikhwama.
• Isibambiso: Ngokuvamile zidinga isibambiso ngempahla yenkampani.

Ngaphezu kwalezi zimali ezishiwo ngenhla, iRainFin iphinde ikhokhe imali yesijeziso uma sekwephuzile ukukhokha, okuyi-R100 noma u-5% wesitolimende, kuye ngokuthi yikuphi okuphezulu.

Indlela Yokufaka Isicelo Nezidingo Zokuthola Imali Mboleko

Inqubo yokufaka isicelo seRainFin yenziwe lula futhi yaba yedijithali ngokuphelele, okwenza kube lula futhi kusheshe ukuthola imali mboleko. Iningi lezinto ziqhutshwa ku-inthanethi, kusuka ekufakeni isicelo kuze kube sekutholeni imali.

Izindlela Zokufaka Isicelo

Izicelo zingenziwa kuphela ku-inthanethi, kungaba ngewebhusayithi yabo eshintshashintshayo (mobile-responsive) noma ngezingosi zabalingani abathile. Lokhu kusho ukuthi ababoleki bangafaka izicelo noma ngabe bakuphi, inqobo nje uma benokufinyelela ku-inthanethi. Akukho uhlelo lokusebenza lweselula olusemthethweni olukhona okwamanje, kepha iwebhusayithi yabo yenzelwe ukusebenza kahle kumafoni ahlakaniphile.

Ukuqinisekisa Ikhasimende (KYC) Nokubhalisa

Lapho ufaka isicelo, iRainFin idinga izidingo ezithile zokuqinisekisa ubuwena kanye nesimo sakho sezimali. Lokhu kuhlanganisa:

• Ukuqinisekisa ubuwena nge-ID yaseNingizimu Afrika noma ipasipoti.
• Ukuhlinzeka ngezitatimende zasebhange ukuze kuhlaziywe ukungena nokuphuma kwemali.
• Ubufakazi beholo.
• Ukulayisha imibhalo okuzenzakalelayo kanye nesiginesha kagesi (electronic signature) ukuze kuqedwe inqubo ngokushesha.

Ukuhlola Isikweletu Nokugunyaza

I-RainFin isebenzisa indlela yayo yangaphakathi yokuhlola isikweletu (proprietary scorecard) ehlanganisa imininingwane evela kuma-credit bureau (njenge-NCR), ukuhlaziya ukungena nokuphuma kwemali okutholakala ezitatimendeni zasebhange, kanye neminye imininingwane. Le nqubo ivumela iRainFin ukuthi yenze izinqumo ngokushesha nangobuchwepheshe mayelana nokufaneleka kwesikweletu. Kukhona nesistimu eyi-"autobidder" eyenza isinqumo sokuqala, bese abakweletisi ngabanye bekwazi ukubolekisa ngezimali ezincane.

Izindlela Zokukhishwa Kwemali

Uma isicelo sesigunyaziwe, imali ikhishwa ngokushesha ngezindlela ezahlukene:

• Ukudluliselwa kwemali okusheshayo nge-EFT (Instant EFT) ku-akhawunti yasebhange yomuntu obolekile.
• Imali yeselula (Mobile money) ngezinhlelo zabalingani.
• Ukulandwa kwemali ngokheshi ezindaweni zabalingani, uma kucelwa.

Ukuqoqwa Kwemali Nokubuyisela

I-RainFin isebenzisa ama-debit order e-EFT ukudonsa izitolimende njalo ngenyanga. Iphinde ithumele izikhumbuzo nge-SMS noma i-imeyili ngezitolimende ezizayo noma ezivele zephuzile. Uma i-akhawunti ingekho ngaphezu kwezinsuku ezingama-30 kwephuzile, iRainFin ingasebenzisa abaqoqi bezikweletu ababhalisiwe.

Ukulawulwa Kwemali, Isimo Semakethe Nokuncintisana

I-RainFin isebenza endaweni elawulwa kakhulu emkhakheni wezezimali eNingizimu Afrika. Lokhu kuqinisekisa ukuthi ababoleki bavikelekile futhi izinqubo zilungile.

Ilayisense Nokugadwa

I-RainFin ilawulwa yi-Financial Sector Conduct Authority (FSCA) kanye ne-National Credit Regulator (NCR). Inayo ilayisense ye-FSP engu-FSP45756 kanye nokubhaliswa koMhlinzeki Wesikweletu we-NCRCP5587. Lezi zizindla ziqinisekisa ukuthi iRainFin ihambisana nayo yonke imithetho nezidingo zomthetho, ikakhulukazi i-National Credit Act (NCA) kanye nemigomo yokuthi "Phatha Ikhasimende Lakho Ngendlela Efanele" (Treat Your Customer Fairly - TCF).

Isimo Semakethe Nokuncintisana

E-Ningizimu Afrika, iRainFin incintisana nezinhlobo ezahlukene zabahlinzeki bezezimali. Lokhu kuhlanganisa amabhange avamile, ababolekisi abancane (microlenders) njengeWonga, kanye nezinye izinkundla ze-fintech njengeLulalend. Okwenza iRainFin ihluke kule makethe yizici zayo ezimbili eziyinhloko:

• Inkundla Yokubolekisa Ehlukanisiwe (Fractionalised Note Marketplace): Lokhu kuvumela abakweletisi ukuthi bakweletise ngamanani amancane, okwenza kube nokuncintisana okwengeziwe ezilinganisweni zenzalo.
• Ukuhlola Isikweletu Okuyisisekelo (Proprietary Underwriting): Ama-algorithms eRainFin anciphisa ubungozi bokwehluleka ukukhokha futhi asheshise inqubo yokuthola imali.

Le nkampani iphinde yakhulisa ukukhula kwayo ngokusebenzisa ubudlelwano namabhange, izinkampani zocingo, kanye nabahlanganisi be-fintech ukuze basabalalise izinsizakalo zayo. Izame futhi ukuqoqa imali ngezigaba ezahlukene, okuhlanganisa isikhwama esikhulu esilinganiselwa ku-R40 million phakathi kuka-2017 no-2018.

Izibuyekezo Zamakhasimende

Ngokuya ngezibuyekezo zamakhasimende, iRainFin ithole amanani aphakathi ku-Trustpilot, inesilinganiso esingu-3.8/5. Amakhasimende avame ukuncoma isivinini nokucaca kwenqubo, kepha kube nezikhalo ezithile mayelana nokuqina kwama-debit order. Ku-Fincheck, ithole amanani aphezulu ngokuqondene nokufaka isicelo okulula, nakuba kube nezikhalo ezincane mayelana nokungacaci kwezidingo zokufaneleka.

Izeluleko Kwabafisa Ukuboleka Imali NgeRainFin

Ngaphambi kokuba ufake isicelo semali mboleko ngeRainFin, kubalulekile ukuba uqonde kahle inqubo nezidingo. Nazi izeluleko eziwusizo ezivela kumahluleli wezezimali:

• Hlola Ukufaneleka Kwakho: Qiniseka ukuthi uyahlangabezana nezidingo eziyisisekelo zeRainFin, njengokuhlinzeka nge-ID, izitatimende zasebhange, nobufakazi beholo. Ukuba nesikweletu esihle kuzokwandisa amathuba akho okugunyazwa, ikakhulukazi ngemali mboleko yebhizinisi engadingi isibambiso.
• Qonda Izimali Nezinga Lenjalo: Funda ngokucophelela yonke imininingwane mayelana nezinga lenzalo (APR), imali yokuqala, imali yesevisi yenyanga, kanye nemali yesijeziso yokukhokha sekwephuzile. Lokhu kuzokusiza ukuba uqonde inani eliphelele lemali mboleko kanye nokuthi ungahlela kanjani isabelomali sakho. Khumbula ukuthi izinga lenzalo lishintshashintsha ngokuya ngemakethe.
• Hlola Amandla Akho Okukhokha: Ngaphambi kokuthatha imali mboleko, yenza uhlaziya olunzulu mayelana namandla akho okukhokha izitolimende njalo ngenyanga ngaphandle kokudala inkinga kwezinye izibopho zakho zezimali. I-RainFin yenza ukuhlola kwamandla okukhokha, kodwa kubalulekile ukwenza ukuhlola kwakho futhi.
• Ziqhathanise Nabanye Abahlinzeki: Yize iRainFin inikeza amanani ancintisanayo nezinsizakalo ezisheshayo, kuhlale kuwukuhlakanipha ukuziqhathanisa nabanye abahlinzeki bezezimali eNingizimu Afrika. Bheka amabhange avamile, ababolekisi abancane, nezinye izinkundla ze-fintech ukuze uqiniseke ukuthi uthola isivumelwano esingcono kakhulu sezidingo zakho.
• Sebenzisa Inkundla Yedijithali Ngobunono: Njengoba inqubo yonke iyi-inthanethi, qiniseka ukuthi usebenzisa idivayisi evikelekile futhi uxhumeke ku-inthanethi okuvikelekile lapho ufaka isicelo sakho futhi wabelana ngemininingwane yakho yomuntu siqu neyezezimali.
• Phatha Ama-Debit Order Ngobunono: Njengoba kukhonjisiwe ezibuyekezo zamakhasimende, ama-debit order angaba yinkinga uma zingaphathwa kahle. Qiniseka ukuthi imali ikhona ku-akhawunti yakho ngosuku olubekiwe lokukhokha ukuze ugweme izimali zesijeziso.

Ngokulandela lezi zeluleko, ungakwazi ukwenza isinqumo esihle mayelana nokuboleka imali ngeRainFin futhi uqinisekise ukuthi uthola inzuzo enkulu ezinsizakalweni zayo zedijithali.