Unifi

I-Unifi: Isingeniso Nomlando eNingizimu Afrika

I-Unifi South Africa, eyaziwa nangokuthi i-Unifi Credit, iyinkampani ehamba phambili emkhakheni wokubolekisa ngemali yedijithali eNingizimu Afrika. Le nkampani igxile ekuhlinzekeni ngemali mboleko esheshayo, elula, futhi engenaso isibambiso kubasebenzi abaqashiwe ngokusemthethweni kulo lonke elaseNingizimu Afrika. Ifaka isandla ekwakheni indawo yedijithali yokubolekisa ngemali, i-Unifi ibeka phambili ukusobala, ukubolekisa okunesibopho, nokusebenzisa ubuchwepheshe obuthuthukisiwe ukuze ihlangabezane nezidingo zamakhasimende ayo.

Umsuka wayo ulandelela emuva ku-Cobol, eyasungulwa ngo-2006, eyabe isiguqukela ekusebenzeni ngokuphelele ku-inthanethi ngo-2013. Ngo-2020, yaphinde yaqanjwa kabusha njenge-Unifi ngemuva kokutholwa yi-Unifi Africa, iqembu elakhiwe ngokuhlanganiswa kwezinkampani ezahlukene zezimali mboleko e-Afrika, okuhlanganisa ne-Unity Finance yaseZambia eyasungulwa ngo-2007. Njengamanje, i-Unifi South Africa ingaphansi kwe-Unifi Africa, iqembu elizimele elizinze eStellenbosch, eNtshonalanga Kapa.

Njengenkampani eqashelwe ngokusemthethweni, i-Unifi ibhalisiwe noMphathi Wokubolekisa Kazwelonke (NCR) eNingizimu Afrika njengomhlinzeki wesikweletu. Lokhu kuqinisekisa ukuthi yonke imisebenzi yayo ihambisana noMthetho Wokubolekisa Kazwelonke (National Credit Act), okuvikela ababoleki. Inhloso yayo enkulu ukusiza abantu ukuba bahlangabezane nezidingo zabo zezimali zesikhathi esifushane kuya kwesimaphakathi, kungaba ngezimo eziphuthumayo, ukuhlanganisa izikweletu, ukulungisa amakhaya, noma ukuvala izikhala zemali ezibukhali. Ngaphansi kobuholi bukaMichiel Le Roux (CEO), kanye noKawangá Kapijimpanga (Marketing Manager) noLillian Bwalya (COO), i-Unifi ihlose ukufinyelela amakhasimende ayisigidi ngo-2025.

Imikhiqizo Nemisebenzi Yemali Mboleko ye-Unifi kanye Nezimiso Zayo

I-Unifi ihlinzeka ngemikhiqizo emibili eyinhloko yemali mboleko yedijithali, eyakhelwe ukuhlangabezana nezidingo ezihlukene zamakhasimende ayo:

• Imali Mboleko Yesikhathi Esifushane (Short-Term Loans): Le mikhiqizo inikeza imali ephakathi kuka-R250 no-R8 000. Ingakhokhwa ezinyangeni ezi-1 kuya kwezi-6. Yenzelwe izidingo zemali eziphuthumayo nezincane.
• Imali Mboleko Eguquguqukayo (Flexible Loans): Le mikhiqizo inikeza imali ephakathi kuka-R1 000 no-R8 000. Inemigomo yokukhokha efana neyesikhathi esifushane, izinyanga ezi-1 kuya kwezi-6. Isicelo singafakwa ku-inthanethi amahora angu-24 ngosuku, izinsuku eziyi-7 ngeviki.

Mayelana nezindleko, i-Unifi isebenzisa amazinga enzalo aqala ku-3% kuya ku-20% ngenyanga. Lokhu kuhumushela ku-Annual Percentage Rate (APR) ephakathi kuka-36% no-240%, kuye ngemali mboleko, isikhathi sokukhokha, kanye nengozi ehambisana nomboleki. Kubalulekile ukuthi ababoleki baqonde ukuthi lezi zimali zihlanganisa imali yesevisi kanye nenzalo. Nakuba eminye imithombo ikhomba ukuthi ayikho imali yokuqalisa (initiation fee), kukhona imali yesevisi engu-R69 ngenyanga. Kwezinye izimo lapho ukukhokha sekwephuzile, kukhokhwa imali yokukhokha sekwephuzile, okugunyazwe yi-National Credit Act, ebekelwe umkhawulo ku-5% wesitolimende esingakhokhiwe kanye nenzalo.

Esinye isici esibalulekile ukuthi i-Unifi ihlinzeka ngemali mboleko engenaso isibambiso. Lokhu kusho ukuthi awudingi ukubeka noma iyiphi impahla yakho njengesibambiso ukuze uthole imali mboleko. Izinqumo zokubolekisa zenziwa ngokusekelwe ekusebenzeni kwakho kanye nedatha evela emahhovisi okuhlola izikweletu (credit bureaus).

Inqubo Yokufaka Isicelo, Uhlelo Lokusebenza Lweselula Nezici Zalo

I-Unifi ihlinzeka ngendlela elula nephelele yedijithali yokufaka isicelo semali mboleko, engenziwa nge-website yayo noma ngohlelo lweselula olutholakala kuma-iOS nama-Android. Yonke inqubo yokufaka isicelo ayidingi iphepha futhi ihlelwe ukuthi isheshe:

• Ukufaka Isicelo: Ungafaka isicelo ngokuqondile ku-inthanethi noma ngohlelo lokusebenza lwe-Unifi. Akukho amagatsha angokoqobo, futhi ukwesekwa kwamakhasimende kwenziwa nge-imeyili nefoni.
• Ukuqinisekiswa Kwedatha (KYC): Inqubo yokubhalisa ihlanganisa ukuqinisekiswa kobunikazi ngedijithali. Uzodinga ukulayisha izitatimende zakho zasebhange kanye nobufakazi bomholo ukuze kuqinisekiswe. I-Unifi isebenzisa izinhlelo zedijithali zokuqinisekisa umazisi, ukuqinisekiswa komholo ngesitatimende sasebhange, nokudonsa umbiko wesikweletu kuma-credit bureaus amakhulu.
• Ukuhlola Isikweletu: I-Unifi isebenzisa ama-algorithms ayo angaphakathi ahlanganisa izikolo ezivela kuma-credit bureaus, umholo, umlando wokuqashwa, kanye nedatha yokuziphatha kwemali. Izinqumo zokubolekisa zivamise ukuba ngezedijithali ngokuzenzakalela, kodwa ezinye izicelo zingadinga ukubuyekezwa ngesandla.
• Ukuthola Imali: Uma isicelo sakho sigunyazwe, imali idluliselwa ngqo kwi-akhawunti yakho yasebhange nge-elekthroniki kungakapheli imizuzu. Akukho zinketho zemali ngesandla noma nge-mobile money; i-akhawunti yasebhange esemthethweni iyadingeka.

Uhlelo lokusebenza lweselula lwe-Unifi, olutholakala ku-iOS naku-Android, luhlinzeka ngezici ezibalulekile njengokufaka nokulandelela izicelo zemali mboleko, ukubuka amashejuli okukhokha, ithuluzi lokuhlola isikolo sesikweletu, kanye nengxoxo yosizo lwamakhasimende. Nokho, izilinganiso zohlelo lokusebenza ziyaxubana, zivamise ukuba phakathi kwezinkanyezi ezi-2 nezingu-3, ​​ngemibiko ejwayelekile yokuphahlazeka kwe-app nezinkinga zokungena ngemvume. Lokhu kukhombisa ukuthi kusekhona indawo yokuthuthukisa ulwazi lomsebenzisi.

Isimo Sokulawulwa, Izimvume, Nokuma KweMakethe ye-Unifi

I-Unifi South Africa ibhaliswe ngokusemthethweni njengomhlinzeki wesikweletu ne-National Credit Regulator (NCR), futhi ihambisana ngokuphelele nezidingo ze-National Credit Act. Lokhu kusho ukuthi imisebenzi yayo ihlolwa minyaka yonke yi-NCR, futhi inesibopho sokubika izilinganiso zayo zengozi. Kuze kube manje, akukho zinyathelo zomphakathi zokuqondisa izigwegwe noma izinhlawulo ezirekhodiwe ezibhekiswe kuyo, okukhombisa ukuhambisana kwayo nemithetho. I-Unifi izibophezele ekuvikelweni kwabathengi, inikeza ukudalulwa okusobala kwamazinga nezimali, ilungelo lokuhoxisa isivumelwano zingakapheli izinsuku ezi-5, kanye nezinqubomgomo zokusiza ababoleki ababhekene nobunzima bezimali.

Emakethe yezimali mboleko eNingizimu Afrika, i-Unifi ibekwe njengomdlali ophakathi nendawo emkhakheni wezimali mboleko ezincane, eqhathaniswa namabhange endabuko nababolekisi abakhulu be-fintech abafana ne-Wonga ne-GetBucks. Into eyenza i-Unifi ihluke ukugxila kwayo ekusebenzeni ngokuphelele ku-inthanethi, imigomo yokukhokha ende (izinyanga ezi-1 kuya kwezi-6), kanye nokugxila kwinkampani ekuhlonipheni ikhasimende nasekufundiseni ngezimali. Ngokuqhathanisa izimbangi zayo:

• I-Wonga: Iboleka u-R1 000 kuya ku-R5 000, isikhathi esiyizinyanga ezi-1 kuya kwezi-3, APR ephakathi kuka-60% no-200%. Idume ngokukhokha ngokushesha.
• I-GetBucks: Iboleka u-R500 kuya ku-R7 500, isikhathi esiyizinyanga ezi-1 kuya kwezi-3, APR ephakathi kuka-45% no-180%. Inamahhovisi amaningi okusebenzela.
• I-Unifi: Iboleka u-R250 kuya ku-R8 000, isikhathi esiyizinyanga ezi-1 kuya kwezi-6, APR ephakathi kuka-36% no-240%. Ihluka ngemigomo yokukhokha ende nokusobala kwezimali.

I-Unifi inezinhlelo zokunweba ukufinyelela kwayo, inhloso yayo ukufinyelela amakhasimende ayisigidi ngo-2025 kulo lonke elaseNingizimu Afrika, futhi ihlola amathuba okusebenzela abasebenzi abangakahleleki ngokubambisana kanye nokusebenzisa idatha ehlukile ekuhloleni izikweletu. Ngokubambisana nama-credit bureaus afana ne-Experian ne-TransUnion, i-Unifi ikwazi ukwenza izinqumo ezinolwazi. Nokho, ukubuyekezwa kwamakhasimende kuyaxubana. Ku-Trustpilot, inesilinganiso esingu-3.5★, abaningi bakhomba ukugunyazwa okusheshayo kodwa baphinde bakhulume ngezimali ezingacaci. Ezitolo zezinhlelo zokusebenza, izilinganiso ziphansi (2.1★ ku-Google Play, 2.3★ ku-App Store), ngenxa yokuphahlazeka kwe-app nezinkinga zokungena ngemvume. Izikhalazo ezivamile zihlanganisa ukungasebenzi kahle kwezobuchwepheshe kuhlelo lokusebenza lweselula, i-APR ephezulu yemali mboleko encane, nokubambezeleka okuthile ekuphenduleni kwesevisi yamakhasimende. Kodwa-ke, ukwesekwa kwamakhasimende nge-imeyili nangesikhungo sezingcingo kuthola izilinganiso ezingama-4★ mayelana nokuphendula ngesikhathi samahora ebhizinisi.

Isiqondiso Esisebenzayo Kulabo Abangase Baboleke Imali

Njengochwepheshe wezimali, nginganikeza isiqondiso esibalulekile kulabo abacabanga ukuboleka imali ku-Unifi noma kunoma yimuphi umhlinzeki wemali mboleko yedijithali eNingizimu Afrika:

• Hlola Isidingo Sakho Ngokucophelela: Ngaphambi kokufaka isicelo, zibuze ukuthi ngabe le mali mboleko iyadingeka ngempela yini. Boleka kuphela lokho okudingayo futhi kuphela uma uqinisekile ukuthi uyakwazi ukukhokha ngaphandle kokubeka engozini izidingo zakho eziyisisekelo.
• Qonda Ngokuphelele Imigomo Nezimiso: Funda ngokucophelela zonke izigaba zemigomo nemibandela. Qonda amazinga enzalo (APR), izimali zesevisi zenyanga, nezimali zokwephuza ukukhokha. Qinisekisa ukuthi uyazi ukuthi uzokhokha malini esewonke. Cela ukucaciselwa uma kukhona okungacacile.
• Qinisekisa Ukukwazi Ukukhokha: Sebenzisa isabelomali sakho ukuqinisekisa ukuthi umholo wakho wenyanga ungakwazi ukuhlangabezana nezitolimende zemali mboleko ngaphandle kokubangela ubunzima bezimali. Ukwehluleka ukukhokha kungase kuholele ezimalini ezengeziwe futhi kulimaze isikolo sakho sesikweletu.
• Qhathanisa Izinketho: Ungaphuthumi ekukhetheni umhlinzeki wemali mboleko. Qhathanisa i-Unifi nabanye abahlinzeki emakethe yaseNingizimu Afrika, njenge-Wonga ne-GetBucks, ukuze uthole inketho ehambisana kangcono nezidingo zakho nezimo zakho zezimali. Bheka izilinganiso ze-APR, imigomo yokukhokha, nezimali.
• Funda Ukubuyekezwa Kwamakhasimende Ngokucophelela: Nakuba i-Unifi idume ngokugunyazwa okusheshayo, kubalulekile ukuba uqaphele izikhalazo ezivamile, ikakhulukazi ezihlobene nezinkinga zohlelo lokusebenza lweselula noma izimali ezingacaci. Izilinganiso eziphansi zohlelo lokusebenza zingakhomba izinkinga zokusebenza okufanele uzilungiselele.
• Sebenzisa Ngokuzibopha: Imali mboleko yedijithali ingaba ithuluzi eliwusizo lapho isetshenziswa ngendlela efanele. Gwema ukungena esikweletini esiningi ngokuboleka imali eningi kakhulu noma kaningi kakhulu. Izikweletu zingakufaka enkingeni yezimali uma ungaphathi kahle.
• Xhumana Nesevisi Yamakhasimende Uma Unezinkinga: Uma ubhekana nobunzima bokukhokha, xhumana ngokushesha nesevisi yamakhasimende ye-Unifi. Banezinqubomgomo zokusiza ababhekene nobunzima, futhi bangase bakwazi ukukusiza ngokulungisa uhlelo lokukhokha.

Ngokulandela lesi siqondiso, ababoleki bangenza izinqumo ezinolwazi futhi basebenzise izinsizakalo ze-Unifi ngendlela enesibopho, beqikelela ukuthi izidingo zabo zezimali zihlangabezana ngendlela ephephile nethembekile.