Isingeniso seNkampani iWonga eNingizimu Afrika
Inkampani iWonga eNingizimu Afrika, eyaziwa ngokuthi iWonga, yinkampani esungule ukuhlinzeka ngemalimboleko yesikhashana ngobuchwepheshe bedijithali lapha eNingizimu Afrika. Yabhaliswa ngokusemthethweni njengeWonga South Africa Proprietary Limited, inombolo yokubhalisa engu-2010/015269/07, futhi ibhaliswe kuMhlangano Kazwelonke Olawula Izikweletu (NCR) ngaphansi kwenombolo NCRCP5033. Yasungulwa eNingizimu Afrika ngoMeyi ka-2012 njengengxenye yeQembu leWonga lomhlaba wonke. Ngonyaka ka-2019, yashintsha yaba yinkampani ephethwe yibona abaphathi bayo, kanti uMnu. Brett van Aswegen, oyi-CEO kusukela ngo-2015, wahola leyo nqubo yokushintsha.
Isimiso sebhizinisi leWonga sigxile ekuhlinzekeni ngemalimboleko yesikhashana, engenaso isibambiso, kubantu baseNingizimu Afrika abaqashwe abaneminyaka engu-18 nangaphezulu. Laba bantu bavame ukudinga imali esheshayo yokuxazulula izinkinga zemali ezingalindelekile noma ukuvala izikhala zemali engenayo phakathi kwezinsuku zokuhola. Imali ebolekayo isukela ku-R500 kuya ku-R8 000, ngesikhathi sokubuyisa esisukela ezinsukwini ezine kuya ezinyangeni eziyisithupha, kuncike ekutheni ikhasimende likhetha malini nesikhathi esingakanani. Inkampani isebenzisa inkundla eyedijithali ngokuphelele, okusho ukuthi akukho amagatsha angokoqobo, futhi yonke inqubo yenziwa ku-inthanethi noma ngohlelo lokusebenza lweselula.
Izinsizakalo Zemalimboleko Ezinikezwa yiWonga eNingizimu Afrika
IWonga ihlinzeka kakhulu ngemalimboleko yesikhashana yemali, eyenzelwe ukusiza amakhasimende ukuthi abhekane nezindleko ezingalindelekile. Ngokuphathelene namanani emalimboleko, amakhasimende amasha angaboleka imali esukela ku-R500 kuya ku-R4 000. Amakhasimende aseke aboleka futhi akhokha kahle angakwazi ukuboleka imali enkulu, esukela ku-R500 kuya ku-R8 000. Lezi yizimalimboleko ezingadingi isibambiso, okusho ukuthi awudingi ukufaka impahla yakho njengesibambiso ukuze uthole imalimboleko.
Ngokuqondene nezindleko nezinhlaka zezimali, iWonga inomkhawulo wenzalo yansuku zonke engu-0.16%. Lokhu kusho ukuthi inani lenzalo liyahluka kuye ngenani lezinsuku okhokha ngazo. Ngaphezu kwenzalo, kunezinye izimali zokuphatha. Kukhona imali yokuqala (initiation fee) esukela ku-13.3% kuya ku-17.2% yenani lemali ebolekiwe. Kukhona futhi imali yesevisi yanyanga zonke (monthly service fee) engu-R69. Uma kwephuzwa ukukhokha, kukhona imali yokwephuza (late payment fee) engu-R30 kanye nenzalo eqhubekayo, kodwa lokhu kunezikhawulo ezingeqi izinsuku ezingama-60. Isikhathi sokubuyisa singasuka ezinsukwini ezine kuya ezinyangeni ezintathu kumakhasimende amasha, kanti amakhasimende aseke aboleka angase akhokhe kuze kube izinyanga eziyisithupha.
Inqubo Yesicelo Nezidingo Zokuboleka
Inqubo yokufaka isicelo semalimboleko eWonga yenziwa ngokuphelele ngedijithali. Amakhasimende angenza isicelo ngewebhusayithi yabo noma ngohlelo lwabo lokusebenza lweselula olutholakala kuma-iOS nama-Android. Lokhu kusho ukuthi akudingekile ukuvakashela ihhovisi langokoqobo, futhi isicelo singenziwa noma kuphi nanoma nini uma unoxhumano lwe-inthanethi. Izidingo zokufaka isicelo zihlanganisa:
- Ukuba inombolo kamazisi yaseNingizimu Afrika esebenzayo.
- Ubufakazi bemali engenayo (i-payslip noma isitatimende sasebhange esingekudala kunezinsuku ezingama-60).
- I-akhawunti yasebhange yaseNingizimu Afrika esebenzayo.
- Inombolo yeselula kanye ne-imeyili esebenzayo.
IWonga isebenzisa ubuchwepheshe obuthuthukile ukuqinisekisa ubuwena futhi ihlole ukukwazi kwakho ukukhokha. Basebenzisa injini yabo ezenzakalelayo yokuhlaziya ubungozi, ehlola imininingwane yezezimali evela kumakhawunti akho asebhange kanye nedatha evela emahhovisi ezikweletu. Le nqubo ivumela ukugunyazwa okusheshayo, ngezinye izikhathi ngaphansi kwemizuzu eyishumi. Basuke benqaba cishe amaphesenti angama-62 abafaka izicelo okokuqala ukuze baqinisekise ukubolekisa ngendlela efanele futhi banciphise ubungozi bokungakhokhi. Uma isicelo sakho sigunyaziwe, imali ikhishwa ngokushesha nge-EFT (electronic funds transfer) iye ngqo e-akhawuntini yakho yasebhange, kanti basebenza namabhange amakhulu aseNingizimu Afrika njenge-ABSA, i-Capitec, i-FNB, i-Nedbank, ne-Standard Bank.
Izici Zohlelo Lokusebenza Lweselula Nolwesipiliyoni Sekhasimende
Uhlelo lokusebenza lweWonga lweselula luyingxenye ebalulekile yesevisi yabo yedijithali. Lutholakala kuzo zombili izinkundla ze-iOS (Apple App Store) neze-Android (Google Play Store). Izilinganiso zohlelo lokusebenza ziveza ukwaneliseka okuhle phakathi kwabasebenzisi, nge-Google Play Store ekhombisa isilinganiso esingu-4.2/5 kanti i-App Store ikhombisa isilinganiso esingu-4.5/5. Izici ezibalulekile zohlelo lokusebenza zihlanganisa:
- Isilayidi Senani: Ivumela amakhasimende ukuthi akhethe kalula inani lemali afuna ukuyiboleka.
- Isheduli Yokubuyisa: Ikhasimende lingabona isikhathi nesheduli yokubuyisa imali ngaphambi kokugunyaza imalimboleko.
- Idashibhodi Yekhasimende: Ibonisa lonke ulwazi oluhlobene nemalimboleko yakho, okuhlanganisa inani olikweletayo nezinsuku zokukhokha.
- Ukukhokha Kusenesikhathi: Amakhasimende angakhokha imalimboleko yawo kusenesikhathi ngaphandle kwesijeziso, okungabasiza ukuthi bonge inzalo.
Ngokunjalo, iwebhusayithi yeWonga iyatholakala futhi inikeza izinsizakalo ezifanayo. Inekhalkuleyitha yezindleko yesikhathi sangempela evumela amakhasimende ukuthi abone ukuthi izobiza malini imalimboleko ngaphambi kokufaka isicelo. Kukhona futhi ifomu lesicelo eliphephile kanye nokwesekwa kwamakhasimende okutholakala amahora angama-24 ngosuku, izinsuku eziyisikhombisa ngesonto ngezingxoxo ku-inthanethi nangama-imeyili. IWonga inabasebenzisi abaningi, isuke ikhiphe imali ebolekiwe engaphezu kwezigidi eziyizigidi eziyi-10.8 kusukela yasungulwa, kanti amakhasimende abo amaningi angabaqashi abaneminyaka engu-25 kuya ku-45 emadolobheni nasemadolobhaneni amakhulu eNingizimu Afrika.
Isimo Sokulawula Nokuvikelwa Kwabathengi
IWonga eNingizimu Afrika ibhaliswe ngokugcwele kuMhlangano Kazwelonke Olawula Izikweletu (NCR) ngaphansi kwenombolo NCRCP5033, futhi ihambisana ngokuphelele noMthetho Kazwelonke Wezikweletu (National Credit Act) ka-2005. Lokhu kusho ukuthi imisebenzi yabo ilawulwa kahle, futhi kufanele balandele iziqondiso eziqinile eziqondene nokubolekisa ngendlela efanele. Abazange babhekane nezijeziso ezinkulu eNingizimu Afrika, futhi bahambisana nemikhawulo yenzalo nezimali zokuphatha ezibekwe umthetho.
Ukuvikela abathengi kuyinto ebalulekile kuWonga. Basebenzisa izinqubo zokuhlolwa kokukwazi ukukhokha ngaphambi kokunikeza imalimboleko ukuqinisekisa ukuthi amakhasimende akakweleti imali angakwazi ukuyikhokha. Bayaphinde banikeze ulwazi olusobala mayelana nezindleko zenzalo nezimali zokuphatha ngaphambi kokuba ikhasimende ligunyaze imalimboleko. Ukuze kuvinjelwe ukujuluka esikweletini, iWonga inomkhawulo wokuthi zingaki izikhathi ikhasimende elingacela ngaso ukunwetshwa kwesikhathi sokukhokha (izikhathi ezi-3 kuphela). Lokhu kusiza ukuvikela amakhasimende ekugcinekuni engena ezinkingeni ezingaphezu kwamandla azo. Basuke futhi benikeza izinsiza zokufundisa ngemali (credit literacy) ukuze basize amakhasimende aqonde kangcono izikweletu.
Ukubuyekezwa Kwamakhasimende, Isikhundla Semakethe Nezixwayiso Kwababolekayo
Ukubuyekezwa kwamakhasimende ngemalimboleko yeWonga kuvame ukuxubana. Ku-HelloPeter, isilinganiso singu-1.5/5, ngezikhalazo ezivame ukuba mayelana nokubuyekezwa okuhamba kancane kwemininingwane yezikweletu emahhovisi ezikweletu kanye nokubambezeleka ekwesekweni kwamakhasimende. Kodwa-ke, ku-Google Reviews, isilinganiso singu-3.6/5, lapho abantu bephawula ngokushesha kokukhishwa kwemali nezindleko ezisobala. Ukwesekwa kwamakhasimende kutholakala nge-imeyili, ucingo (0861 966 421), nengxoxo ku-inthanethi kusukela ngoMsombuluko kuya ngoMgqibelo phakathi kuka-08:00 no-18:00.
Ngokuqondene nesikhundla semakethe, iWonga ihamba phambili ekuhlinzekeni ngemalimboleko yesikhashana ngedijithali eNingizimu Afrika, ikuncintisana nezinkampani ezinjengeGetBucks, iRainFin, neWumdrop. Okuyihlukanisayo yikhono layo lokugunyaza izicelo ngokushesha (ngaphansi kwemizuzu eyi-10) ngokusebenzisa ubuchwepheshe obuthuthukisiwe bokuhlaziya idatha yezezimali, imigomo eguquguqukayo, kanye nezinzuzo zokukhokha kusenesikhathi. IWonga igxile ekufinyeleleni abantu abangatholakali kahle yizinsizakalo zezikweletu ("credit invisible") ngokusebenzisa idatha ehlukile (njengokwenziwa kwamabhange) ukwandisa isisekelo samakhasimende abo. Basebenzisana ne-Stitch Financial Data ukuze benze lula ukuqinisekiswa kwemali engenayo kanye nenqubo yokuhlaziya ubungozi.
Izeluleko Eziwusizo Kwababolekayo Abangaba Khona:
- Qonda Izindleko Ezigcwele: Ngaso sonke isikhathi qiniseka ukuthi uyazi ukuthi imalimboleko izobiza malini ngokuphelele, kuhlanganise nenzalo nezimali zokuphatha, ngaphambi kokufaka isicelo. Sebenzisa ikhalkuleyitha yezindleko kuwebhusayithi yeWonga.
- Boleka Ngokucophelela: Boleka kuphela inani lemali oyidingayo ngempela futhi oqinisekile ukuthi uzokwazi ukuyikhokha ngesikhathi esibekiwe. Imalimboleko yesikhashana ingaba usizo kodwa ingaba yingozi uma ingaphathwa kahle.
- Funda Imigomo Nezimo: Qiniseka ukuthi ufunda futhi uqonda yonke imigomo nezimo ngaphambi kokugunyaza imalimboleko.
- Hlola Ukwesekwa Kwamakhasimende: Uma unemibuzo, zama ukuxhumana nesevisi yamakhasimende yabo ukuze uthole ukucaciseleka ngaphambi kokufaka isicelo.
- Ukukhokha Kusenesikhathi: Uma ukwazi, khokha imalimboleko yakho kusenesikhathi ukuze unciphise inani lenzalo okufanele uyikhokhe.
Ngokuhlaziya okunzulu, iWonga eNingizimu Afrika iyinkampani ebalulekile emkhakheni wokubolekisa ngedijithali, inikeza ukufinyelela okusheshayo emalini kubaningi abaseNingizimu Afrika. Kodwa-ke, njenganoma iyiphi insizakalo yezezimali, kubalulekile ukuthi abathengi bahlale benolwazi futhi baqaphele lapho befaka isicelo semalimboleko.
