Wakha wazifumana uswele imali? Mhlawumbi yongxamiseko, kwaye awunakho ukuya kwisicelo semali mboleko esibuhlungu ebhankini? Namhlanje, uninzi lwamaKenya ngakumbi abo bangasebenziyo, bayaphila kwimali mboleko ehambayo. Kunzima ukufumana imali mboleko eKenya kwibhanki yendawo. Oku kuye kwabangela ukuba kusetyenziswe ii -apps zemboleko mboleko ezihambayo ezibonelela ngemali mboleko ethambileyo kumaxabiso enzala asezantsi xa kuthelekiswa ne-shylocks kunye neebhanki.
Ngoku kuyakhawuleza kwaye kulula ukufumana imali-mboleko entendeni yesandla sakho kwimizuzwana okanye imizuzu yesicelo sakho. Abathengi banokuboleka ukusuka kwi-Ksh 50 ukuya kuthi ga kwi-Ksh 1,000,000 ngemvume yangoko kunye nemali efakwe ngqo kwiiakhawunti zabo ze-Mpesa. Ukufikelela kuyo nayiphi na imali-mboleko kufuneka ungadweliswa kwi-CRB. Nantsi uyijonga njani imeko yakho yeCRB.
Nazi ii-10 eziphambili zeenkqubo zokubolekwa kwemali mboleko eKenya.
1. Mshwari
UMshwari wafunyanwa ngo-2012, iprojekthi yentsebenziswano phakathi kweSafaricom ne-NCBA Bank. Elona xabiso liphantsi onokuthi uboleke yi-Ksh 100. Unokufumana isiqinisekiso semali mboleko ephezulu ngokuhlawula ngexesha kunye nokongeza imali oyigcinileyo kwiakhawunti yakho kaMshwari. Ixesha lokuhlawula lihlala kwiintsuku ezingama-30 ngenqanaba lenzala le-7.5%. Ukuze ufaneleke kufuneka; Okokuqala ubhalisele iSafaricom, iakhawunti yeMpesa esebenzayo kangangexesha leenyanga ezi-6 kunye neakhawunti kaMshwari. Imali mboleko yakho iya kuqwalaselwa kwimizuzu engaphantsi kwemihlanu.
2. KCB M-Pesa
I-KCB Mpesa yiprojekthi yobambiswano phakathi kweSafaricom kunye neKenya Commercial Bank (KCB) eyasungulwa ngo-2015. Elona xabiso lincinci unokuboleka yi-Ksh 50 yonke indlela ukuya kwi-Ksh 1,000,000. Inzala yemali mboleko yi-1.16% ngenyanga ngentlawulo enye yothethathethwano ye-2.5%. Iindleko zemboleko-mali yenyanga enye yi-3.66% kunye nomrhumo womrhumo osetyenziswa kwimirhumo.
Imali mboleko ikhutshwa kwimenyu ye-KCB Mpesa kwifowuni yakho. I-KCB Mpesa ikwafumaneka kwi-KCB app. Ukuze ufaneleke ufanele ukuba ube uneakhawunti ye-Mpesa esebenzayo iinyanga ezi-6 ubuncinci. I-KCB Mpesa ivavanya indlela ohlawula ngayo imalimboleko yakho, ugcine imbali kwaye ujonge imisebenzi yeMpesa ukufumanisa umyinge wemali mboleko yakho.
3. Isebe
Isebe laqaliswa eKenya kwi-2015. Umlinganiselo omncinci onokuboleka nguKsh 1,000. Ukukufanelekela ukuba udinga i-akhawunti esebenzayo ye-Mpesa kunye neakhawunti ye-Facebook esebenzayo kunye negama lomsebenzisi elifanisa igama kwikhadi lakho le-ID yeSizwe. Kwi sicelo esiphumeleleyo, umboleko wakho uya kubhujiswa ngaphandle koMpesa. Inzala yenzalo isekelwe kubuyiselwa kwizitolimende zeveki, ekugqibeleni ukwandisa amanqaku okuthenga ngetyala kunye nokunciphisa inzala.
4. Tala
I-Tala, ngaphambili ibisaziwa ngokuba yi-Mkopo Rahisi, yaqaliswa ngo-2014. Elona xabiso lincinci unokuboleka li-Ksh 500 ukuya kuthi ga kwi-Ksh 50,000 kwinqanaba lenzala le-15%. Ukuze ufaneleke ufuna irekhodi elilungileyo leMpesa Track ukuze ufikelele kwimali mboleko yabo. Uhlelo lokusebenza luxhomekeke kwindlela ohlawula ngayo imalimboleko yakho nasekufundeni imisebenzi yeMpesa. Imali mboleko ihlawulwa ngezavenge zeveki kangangexesha leeveki ezintathu.
5. Timiza
UTimiza yimveliso yemali mboleko evela kwiBhanki yaseAbsa eKenya. Awudingi iakhawunti ye-Absa ukusebenzisa usetyenziso lweTimiza. Ikuvumela ukuba ugcine usebenzisa iakhawunti yakho yeMpesa kwaye ukuba awunayo i-smartphone ungafikelela kwiinkonzo zayo ngokufowunela * 848 # kwiselfowuni.
6. Shika
Imali mboleko yeShika yiprojekthi ye-Alternative Circle, inkampani yekredithi eKenya. Banika imingcele yemali mboleko phakathi kweKsh 500 kunye neKsh 20,000. Ukuze ufaneleke, kufuneka ube ngumbhalisi weSafaricom. Umrhumo we-15% wokulungiselela uhlawuliswa ngemali yemboleko. Imboleko kufuneka ibuyiselwe kwithuba leentsuku ze-30. Kwimeko yokuhlawulwa kwexesha elifutshane, intlawulo ye-10% ye-rollover ihlawulwe ngemali ehlawulwa. I-rollover ngaphezulu kweentsuku ze-60 iya kutsala uludwe lwe-CRB.
7. Zidisha
UZidisha ngumlingane kwiqonga lokubolekisa oontanga. Liqonga lokubolekisa ngemali kumbutho ngamnye okanye kwimibutho yeshishini ngeqonga elikwi-intanethi elilingana nababolekisi ngqo kubabolekisi. UZidisha ngumbutho ongajonganga kwenza nzuzo odibanisa ababoleki abavela eKenya nakwiAfrika iphela, nababolekisi abavela eNyakatho Melika naseYurophu.
Ukulungela ukubolekwa imali kuZidisha; Kufuneka uqeshwe okanye ube neshishini, ube nerekhodi entle yamanqaku etyala, ube nokufumaneka okuhle kwi-Intanethi, ube neakhawunti ye-Facebook enonxibelelwano oluhle noluntu, ube nokuziphatha okuhle kunye nodumo, uhlale kwilizwe apho iZidisha isebenza khona ngoku kwaye ukwazi kwaye uzibophelele ekuthumeleni uhlaziyo rhoqo kunye nokuphononongwa malunga nokusetyenziswa kwemali mboleko kunye nenkqubela phambili yeshishini kwiwebhusayithi yeZidisha.
8. i-iPesa
Uhlelo lokusebenza lwemali mboleko lwe-iPesa lubonelela ngeekhredithi ukusuka ezantsi njenge-Ksh 500 ukuya kwi-Ksh 50,000. Eyona ndawo imfutshane yokufumana ikhredithi ziintsuku ezingama-91 ngelixa elona lide iintsuku ezili-180 ke uya kuba nexesha elaneleyo lokuhlawula ityala lakho. Inqanaba labo lenzala limi kwi-12% ngaphandle kwentlawulo yenkonzo. Nje ukuba ukhuphele irejista yeapp kunye nenombolo yakho ye-M-Pesa emva koko ufake isicelo semali echanekileyo, oyifunayo. Ukuba uhlawula iikhredithi zakho ngexesha, umda wakho wetyala uya kuseta kwi-Ksh 50,000.
9. Kopakash
Uhlelo lokusebenza lwekhredithi lweKopakash lusebenzisa inkonzo esekwe kwimveliso oyikhethileyo, kwaye kuyimbuyekezo esetyenziselwa ukuvavanya amanqaku akho etyala. Inani lekhredithi linokuhla ukusuka ezantsi njenge-Ksh 1,000 ukuya kwi-Ksh 50,000 kwaye ukuhlawulwa kwetyala kubuncinane beentsuku ezingama-91 kunye neentsuku ezili-120 ubuninzi. Imali mboleko ingahanjiswa ngqo kwi-Mpesa yakho okanye kwiakhawunti yebhanki.
10. OKash
Usetyenziso lwetyala lwe-Okash lubonelela ngemali mboleko ukuya kuthi ga kwi-Ksh 70,000. Isebenzisa iinkcukacha zobuqu ozinikileyo, i-OKash imisela umlinganiselo wetyala lakho kunye nexesha ekufuneka uhlawule ngalo. Ubude bexesha lemali-mboleko lisukela kwiintsuku ezingama-91 ukuya kwiintsuku ezingama-365. I-OKash isebenzisa idatha ekwifowuni yakho kubandakanya iinkcukacha zeseti yakho yesandla kunye nemiyalezo yentengiselwano yezemali, kunye nesizathu sakho sokuboleka ukumisela ukuba imali-mboleko ikulungele wena.
Molo, ndiyaluthanda ulwazi onike lona kweli nqaku. Ulwazi lundincedile ekuchongeni usetyenziso olwahlukileyo lwemali mboleko efumanekayo elizweni. Ngeenkcukacha kumazinga wenzala yabo, ndikwazile ukwenza isigqibo sokuba ndiza kuya kubani xa ndifuna uncedo lwezezimali.