Sida Looga Bilaabo Ganacsiga Lacagta Mobilada iyo Bangiga Ganacsiga ee Kenya.

Kaydka mobilada iyo bangiyada iyo la bixista waxay noqdeen qayb ka mid ah nolol maalmeedka ku dhawaad ​​qof kasta oo Kenyaan ah. Maxaa dhacaya haddii aan bilaabi karo lacagta mobaylada iyo wakaalada bangiyada? Waxaad waydiisaa.

si fiican, dadku waxay had iyo jeer lacag ku shubaan M-PESA, Airtel Money, Telkom Kash, Bankiga Equity, Bankiga Iskaashatooyinka, iyo xisaabaadka KCB, iyo boorsooyinka kale ee mobilada.

Si la mid ah, dadka kale had iyo jeer waxay la baxaan lacagtii ay ka heleen xisaabaadkaas.

Miyay taasi u muuqataa si kasta oo ay u muuqdaan in mobiillada iyo lacag dhigashada bangiga iyo kaashkuba ay goorba lumayaan goor dhaw?

Maaha!

Saamaynta wakiilka

Waxyaabaha xiisaha leh ee dhan ayaa ah in lacagahaas dhigaalka iyo ka-saarista lagu sameeyo lacagta mobilada iyo hay'adaha bangiyada oo maalin kasta sameeya wax kala iibsiga.

Wakiil ayaa soo galay farqiga u dhexeeya inuu bixiyo dhexdhexaadka dhigaalka iyo bixista lacagta isla markaana bedelkeeda, waxay kasbadaan guddiyo labada adeeg ah.

Hadda oo aad ogtahay in wakiilku kasban doono guddiyo dhexdhexaadin dhigaalka iyo kala-baxa ku saabsan Mobilada iyo Lacagta Baanka. Miyaadan noqon karin wakiilkaas oo aad ku dhex dhexdaadin kartaa guddiyadaas naxdinta leh ee ku saabsan ganacsiga Mobileka iyo Hay'adda Bangiga?

Waxa xiiso leh, ganacsiga wakaaladda bangiga waa mid ka mid ah ganacsiga ugu faa’iidada badan Kenya 2024.

Waxa ay tahay in laga fiirsado marka la bilaabayo Hay'ada Lacagta Mobilada iyo Bangiyada Kenya

Location.

Waxaad ka heli kartaa meheraddaada Mobile Money iyo Agent Bank oo ku yaal waddo mashquul badan ama gees istaraatiiji ah oo dadku mar walba maraan meel fogna wax ka arki karaan.

Sidaa darteed, waxaad soo jiidan doontaa dadka maraaya iyo kuwa fogba si isku mid ah.

a. M-PESA iyo Shuruudaha Wakiilka Bangiga.

M-PESA waa shabakadda lacagaha ugu faa’iidada badan uguna adag.

La soco in ay jiraan laba nooc oo ah barta M-PESA. Go'aanso midka labadan ee aad ku bilaabi lahayd adiga oo tixgalinaya shuruudaha hoosta ku yaal.

• Soosaarka caadiga ah.
• Qaybta iibiyaha iibiyaha

Soosaarka caadiga ah:-

Marka hore, si loo bilaabo,

1. Hayso shirkad kooban oo ganacsi oo diiwaangashan ugu yaraan 6 bilood.
2. Ugu yaraan 3 xarumood ayaa diyaar u ah inay bixiyaan adeegyada M-PESA.
3. Hesho maalgashi ugu yar oo ah Ksh.100,000 iibsiga sabuuradda.
4. Sii Safaricom leh rukhsad ganacsi oo mid walba oo ka mid ah barta M-PESA.
5. U dir Safaricom shahaadooyinkaaga VAT iyo Canshuuraha.
6. Sii Safaricom liisanka Bangi oo laga helo hay'ad maaliyadeed sumcad leh
7. Buuxi foomka codsiga wakiilka M-PESA ee xafiiska madaxa.
8. Buuxi foomka codsiga dukaanka Wakiilka M-PESA.

Foomka Codsiga Xafiiska Madaxa Foomka Codsiga Xafiiska Madaxa ee Mpesa

Marka labaad, ka dib markaad buuxiso foomamkaga, buuxisay dhammaan shuruudaha, oo lagu siiyo lambarka wakiilka;

1. Calaamadee bartaada M-PESA adoo raacaya borotokoolka sumadda Safaricom.
2. Go'aan ka gaadha in aad adigu iskaa u shaqayso ama aad u shaqayso qof lagu kalsoon yahay oo karti leh.

Marka saddexaad, doorarkaagu wuxuu noqon doonaa;

1. Ka noqoshada nidaamka ee adeegsadayaasha M-PESA ee diiwaangashan.
2. U dir lacag akoonada isticmaaleyaasha M-PESA ee diiwaangashan.
3. Diiwaangeliso isticmaaleyaasha M-PESA cusub.
4. U hoggaansamo hab-dhaqannada ganacsi ee Safaricom

Qaybta iibiyaha iibiyaha:-

2. Ku shaqeysta wakiilka M-PESA shatiyeysan oo ay bixiso;
   • Iibsashada khadka tooska ah ee M-PESA.
   • Iyaga oo siinaya guddi adeegsiga khadkooda.
3. Hayso maalgashi ugu yar oo ah Ksh.20,000 - Ksh.40,000.
4. Ku samee doorar la mid ah kuwa ka baxsan caadiga ah ee aad ka shaqeyso.

b. Shuruudaha Wakiilada Bangiga Sinaanta.

Marka hore, si aad u noqoto Wakiilka Sinnaanta, waxaad u baahan tahay waxyaabaha soo socda:

1. Ganacsi jira oo si guul leh uga shaqeynayay isla goobtii ugu yaraan 12 bilood.
2. Ganacsiga ansax ah ayaa u oggolaanaya meheradda.
3. Goob ganacsi oo istiraatiiji ah oo la heli karo, muuqata, oo ammaan ah.
4. Sumcad wanaagsan iyo akhlaaq wanaagsan.
5. Meel aad u wanaagsan oo la aadi karo
6. Sharraxaad kooban oo ku saabsan waxqabadka ganacsiga 12kii bilood ee la soo dhaafay.
7. Bayaanka bangiga hada jira 6dii bilood ee la soo dhaafay.

Marka labaad, ka dib marka aad la kulantid bilowgaas:

1. Buuxi oo gudbi Bangiga Wakaaladda foomka codsiga Bankiga sinnaanta.
2. Soo gudbi foomkaaga oo buuxi oo saxeexan dukumentiyada soo socda:

Shuruudaha looga baahan yahay Wakaaladda Caddaaladda

• Aqoonsiga qaranka iyo koobiyada codsade(yaasha) maamulaha ee Bangiga Equity.
• Shahaadada dhaqanka suuban ee Bangiga Equity.
• Sharraxaad kooban oo ku saabsan waxqabadka ganacsiga 12-kii bilood ee la soo dhaafay (astaanta ganacsiga).
• Bayaanka Bangiga iyo / ama amaahda hay'ad kale 12kii bilood ee la soo dhaafay.
• Saddex (3) koobbi oo ah qandaraaskii Wakiilatay ee Sinaanta Saxiixay si loo raaco arjiga.
• Nuqul shahaadada ka mid noqoshada ama shahaadada diiwaangelinta magaca ganacsiga hadba sida lagu dabaqi karo.
• Maqaallada iyo xusuus qorka urur / sharciga wadashaqeynta meeshii lagu dabaqi karo.
• Go'aanka guddiga (lagu dabaqi karo shirkadaha iyo iskaashatada).
• Ruqsad ganacsi ansax ah ama rukhsad hawlo ganacsi oo sharci ah oo ay wado hay'addu.
• Waxaa la diiwaan galiyay diiwaanadii maaliyadeed ee 12kii bilood ee la soo dhaafay.
• Khariidad sawir oo loogu talagalay meheradda iyo hoyga.
• Warbixinta Tixraaca Diiwaanka Qadka (CRB).
• Laba sawir oo cabbir baasaboor ah codsade kasta.
• Manhajka Vitae (CV) ee dhammaan codsadayaasha.

Saddexaad, ku dheji saddex sawir midab leh oo ku yaal barta ganacsiga ee muujinaya:

• Muuqaalka gudaha ee dhismaha albaabka.
• Muuqaalka gudaha oo muujinaya kaydka.
• Bannaanka - 15 mitir albaabka u muuqda dhismeyaasha u dhow.

c. Shuruudaha Wakiilada Bangiga KCB.

Tani waa waxa loo baahan yahay si loo noqdo wakiil: -

1. KCB ku hayso akoon bangi.
2. Laba sawir oo cabbir baasaboor ah.
3. Shahaadada Pin
4. Dukumentiga Aqoonsiga.
5. Shahaadad ansax ah oo anshax wanaag leh.
6. Liisanka Ganacsiga.
7. Ganacsiga jira waa inuu shaqeeyaa ugu yaraan 12 bilood.
8. Buuxi foomamka codsiga laanta KCB ee kuugu dhow.

d. Shuruudaha Wakiilka Bangiga Iskaashiga.

Uma baahnid inaad noqoto qof haysta koontada Co-op Bank si aad u codsato wakiilnimo. Macaamiisha, kuwa aan macaamiisha ahayn, xubnaha SACCO-ku xidhidha, iskaashatooyinka, macaamiisha MCU, macaamiisha SME, iyo shirkadaha dhamaantood waxay noqon karaan Wakiilada Bangiga Co-Op.

Inaad wakiil noqoto;

1. Booqo laanta kuugu dhow ee Co-op Bank.
2. Buuxi foom codsi.
3. Gudbi dukumiintiga soo socda oo ay la socdaan foomka dalabka shaqsiyaadka:
   • Shahaadada akhlaaqda wanaagsan.
   • Shahaadada PIN.
   • Bayaanka bangiga hadaadan ahayn Bangiga Koontada iska leh.
   • Ogolaanshaha ganacsiga 12-kii bilood ee la soo dhaafay.
   • Oggolaanshaha ganacsiga ee hadda.
   • Shahaadada diiwaangelinta.
   • Koobiga Aqoonsiga ama wax u dhigma.
   • Laba sawir oo cabbir baasaboor ah.
   • Milkiilayaasha ganacsiga ama agaasimayaasha 'CVs'.
   • CBK Form 3 & CBK Form 4 oo uu markhaati ka yahay Guddoomiyaha Dhaartu.
4. Shirkadaha iyo SACCO-yada, dukumiintiyada dheeriga ah ee soo socda ayaa loo baahan doonaa:
   • Waxaa la diiwaan galiyay buugaag xisaabaadka labadii sano ee la soo dhaafay.
   • Go'aanka in lagu fuliyo bangiga wakaaladda.
   • Ogolaanshaha SASRA ee FOSA.
   • Diiwaangelinta VAT (meeshii ay ku habboon tahay).
5. Bixi khidmadaha lagu dabaqi karo si loo fududeeyo oggolaanshaha:
   • Qiimaha dalabka CBK ee Ksh.1,000.
   • Meelaynta sabaynta - Waxaa lagu go'aamiyaa xadka macaamiisha ee la gaaro inta lagu jiro qiimeynta.

Raasamaal ayaa looga baahan yahay meheradda Wakaalladda Lacagaha Mobilka iyo Bangiga.

Raasamaalku waxay ku xiran tahay meesha aad rabto inaad ka hesho ganacsigaaga.

Sidii hore loo soo sheegay, noqoshada wakiilka M-PESA waxay u baahan kartaa ugu yaraan Ksh.100,000. Haddii aad rabto inaad ku darto Hay'adda Bangiga isla'egta, waxaa laga yaabaa inaad u baahato wax ka badan. Aan guud ahaan niraahno waxaa laga yaabaa inaad u baahato Ksh.100,000 - Ksh.500,000 si aad u noqoto wakiilka lacagta mobilada iyo bangiga si wanaagsan loo aasaasay.

Faa'iido intee le'eg ayey u leedahay Hay'adda Lacagta iyo Bangiga?

Sidee faa iido ugu jirta ganacsiga bangiyada mobilada?

Guddiyada Wakiiladda M-PESA.

Guddiyada Dejinta M-PESA.

Lacagta	Gudiga Ksh
50-100	4
101-510	8
511-1,010	9
1,011-1,510	10
1,511-2,510	11
2,511-3,510	12
3,511-5,010	14
5,011-7,510	20
7,511-10,010	28
10,011-15,010	40
15,011-20,020	55
20,021-25,020	71
25,021-30,020	87
30,021-35,020	103
35,021-40,020	119
40,021-45,020	135
45,021-50,020	150
50,021-60,020	190
60,021-70,000	190

Guddiyada Kala-baxa M-PESA.

Gudiga loo adeegsan karo ee Ksh.
Qadarka (Ksh)	Diiwaangashan           Looma qorin
10-49	N / A	N / A
50-100	Ksh.5	N / A
101-500	Ksh.8	Ksh.8
501-1000	Ksh.10	Ksh.10
1,001-1500	Ksh.12	Ksh.12
1,501-2500	Ksh.15	Ksh.15
2,501-3500	Ksh.20	Ksh.20
3,501-5000	Ksh.25	Ksh.25
5,001-7500	Ksh.30	Ksh.30
7,501-10000	Ksh.35	Ksh.35
10,001-15000	Ksh.45	Ksh.45
15,001-20000	Ksh.60	Ksh.60
20,001-25000	Ksh.65	Ksh.65
25,001-30000	Ksh.70	Ksh.70
30,001-35000	Ksh.70	Ksh.70
35,001-40000	Ksh.100	N / A
40,001-45000	Ksh.150	N / A
45,001-50000	Ksh.180	N / A
50,001-70000	Ksh.200	N / A

Guddiyada Wakiiladda Caddaaladda.

Guddiyada Bangiga Sinaanta.

• 100 -2500 - Ksh.15
• 2,501 -5,000 - Ksh.25
• 5,001 -10,000 - Ksh.35
• 10,001 -20,000 - Ksh.60
• 20,001 -35,000 - Ksh.70
• 35,001 -50,000 - Ksh.90
• 50,001 iyo wixii ka sareeya- Ksh.120

Bangiga Sinaanta wuxuu Dhigay Guddiyadii.

• 100 -5,000 - Ksh.10
• 5,001 -10,000 - Ksh.15
• 10,001 -20,000 - Ksh.20
• 20,001 iyo wixii ka sareeya - Ksh.30

Adeegyada kale iyo guddiyadooda.

• Furitaanka Akoonka - Ksh.100
• Fasax 24/7 - Ksh.30
• Koonto Koonto - Ksh.50
• Beba - Ksh.50
• E hapo hapo - Ksh.50

Guddiyada Wakiiladda ee KCB.

Guddiyada Lacagta ee KCB.

• 100 - 10,000 - Ksh.10
• 10,001 - 20,000 - Ksh.15
• 20,001 - 50,000 - Ksh.20
• 50,001 - 75,000 - Ksh.25
• 75,001 - 100,000 - Ksh.30

Guddiyada Lacag Bixinta KCB.

• 100 - 2,000 - Ksh.10
• 2,001 -5,000 - Ksh.15
• 2,501 -5,000 - Ksh.16
• 5,001 -10,000 - Ksh.26.50
• 10,001 -20,000 - Ksh.37.50
• 20,001 -35,000 - Ksh.52.50
• 35,001 -50,000 - Ksh.52.50
• 50,001 -75,000 - Ksh.92.50
• 75,001 -100,000 - Ksh.92.50

Guddiyada Wakiilka Bangiga Iskaashiga.

Guddiyada La Bixinta Iskaashiga Bangiga.

• 50 -2,000 - Ksh.20
• 2,001 -5,000 - Ksh.20
• 5,001 -10,000 - Ksh.30
• 10,001 -20,000 - Ksh.35
• 20,001-30,000 - Ksh.45
• 30,001-40,000 - Ksh.55
• 40,001-50,000 - Ksh.65
• 50,001-100,000 - Ksh.120

 Guddiyada Lacag-bixinta ee Iskaashiga Bangiga.

• 100-14,999 - Ksh.10
• 15,000-19,999 - Ksh.15
• 20,000-29,999 - Ksh.20
• 30,000 iyo wixii ka sareeya - Ksh.30

Adeegyada kale iyo guddiyadooda.

• Adeegga (Biyaha iyo KPLC) - Ksh.25
• Weydiimaha Hadhaaga - Ksh.5
• Bayaanka Mini - Ksh.10                        

Taasi waa sida faa'iidada leh ee Lacagta Mobilada iyo Ganacsiga Wakiilka Bangiga ay ahaan karaan.

Haddii aad ku biirto inaad noqoto Wakiilka M-PESA iyo inaad noqoto Wakiil Bangi oo hal ama dhawr bangi ah, runtii waxaad ku jirtaa ganacsi faa'iido badan leh. Lacagta mobilada iyo wakiilka bangiga, sidaas darteed, waxay noqdeen runtii, mid ka mid ah ganacsiyada ugu faa'iidada badan Kenya maanta.