Iimali-mboleko eziNgxamisekileyo eziphezulu eKenya ngeMpesa ngo-2022

Ngaba ujonge imali mboleko kaxakeka eKenya ngeMpesa ngo-2023? Ngaba ufuna imali ekhawulezileyo ukuhlawulela amatyala angxamisekileyo, iindleko zonyango, okanye nayiphi na enye imeko engalindelekanga? Ukuba kunjalo, awuwedwa. Abantu abaninzi baseKenya bajongana neemeko ezingxamisekileyo zemali yonke imihla kwaye bafuna umthombo othembekileyo wemali wokuzisombulula.

Ngethamsanqa, zininzi iinketho ezikhoyo kwimali-mboleko engxamisekileyo eKenya ngeMpesa ngo-2023. Ungafikelela kwezi mboleko kwifowuni yakho yeselula, ngaphandle kwesidingo sesibambiso, abaqinisekisi, okanye iinkqubo zesicelo ezinde. Into oyifunayo yiakhawunti yeMpesa ebhalisiweyo, isazisi esisebenzayo, kunye nembali entle yetyala.

Kweli nqaku, siza kuphonononga ezinye zeemali mboleko ezingxamisekileyo eKenya ngeMpesa ngo-2023. Siza kukunika iingcebiso malunga nendlela yokukhetha imali mboleko efanelekileyo kwiimfuno zakho, ungayibuyisela njani ngexesha, kunye nendlela yokuphepha ukufumana. kwimigibe yamatyala.

Ziziphi iimali-mboleko eziNgxamisekileyo eKenya ngeMpesa?

Iimali-mboleko ezingxamisekileyo eKenya ngeMpesa ziimali mboleko zexeshana onokuthi uziboleke kubabolekisi beselula abahlukeneyo usebenzisa iakhawunti yakho yeMpesa. Ezi mboleko zenzelwe ukukunceda ukuba ujongane neemfuno zemali ezingalindelekanga ezifuna ingqalelo ekhawulezileyo.

Iimali-mboleko ezingxamisekileyo eKenya ngeMpesa zihlala zihlawulwa kwimizuzu okanye iiyure zokufaka isicelo. Ungaboleka kancinci njenge-Ksh 50 okanye ukuya kuthi ga kwi-Ksh 1 yezigidi, kuxhomekeke kumbolekisi kunye nokufaneleka kwakho. Ixesha lokubuyisela livela kwiintsuku ezimbalwa ukuya kwiinyanga ezimbalwa, kuxhomekeke kwisixa semali-mboleko kunye nemimiselo.

Iimali mboleko ezingxamisekileyo eKenya ngeMpesa zilula kwaye ziyafikeleleka, kodwa ziza nenzala ephezulu kunye nemirhumo. Abanye ababolekisi bahlawulisa ukuya kuthi ga kwi-36% yepesenti yepesenti yonyaka (APR) okanye ngaphezulu, nto leyo ethetha ukuba uya kuhlawula ngaphezulu kunoko ububolekile.

Kubalulekile ke ngoko ukuba ezi mboleko uzisebenzisele iimeko zikaxakeka zokwenyani hayi inkcitho engenamsebenzi.

Ungasifaka njani isicelo seMali-mboleko eNgxamisekileyo eKenya ngeMpesa ngo-2023

Ukufaka isicelo semali mboleko kaxakeka eKenya ngeMpesa ngo-2023, kuya kufuneka ulandele la manyathelo:

1. Khuphela kwaye ufake iapp ephathwayo yombolekisi okhethayo kuGoogle Play Store okanye iApp Store. Kungenjalo, ungasebenzisa iikhowudi ze-USSD okanye iinkonzo zeSMS ezibonelelwa ngabanye ababolekisi.
2. Bhalisa kwaye wenze i-akhawunti usebenzisa inombolo yefowuni yakho, inombolo yesazisi, kunye nezinye iinkcukacha zobuqu.
3. Qhagamshela iakhawunti yakho yeMpesa kwiapp kwaye ugunyazise umbolekisi ukuba afikelele kwimbali yakho yentengiselwano kunye namanqaku etyala.
4. Cela imali-mboleko ngokufaka imali oyidingayo kunye nexesha lokuhlawula.
5. Lindela imvume, enokuthatha imizuzu okanye iiyure ezimbalwa ngokuxhomekeke kumbolekisi kunye nokufaneleka kwakho ngetyala.
6. Fumana imali-mboleko ngqo kwiakhawunti yakho yeMpesa.
7. Buyisa imali-mboleko ngomhla okanye ngaphambi komhla omiselweyo usebenzisa iakhawunti yakho yeMpesa.

Eyona mali mboleko kaNgxamisekileyo eKenya ngeMpesa ngo-2023

Baninzi ababolekisi beselula ababonelela ngemali mboleko engxamisekileyo eKenya ngeMpesa ngo-2023. Nangona kunjalo, ayizizo zonke ezithembekileyo, ezithembekileyo, okanye ezifikelelekayo. Ke ngoko, kufuneka wenze uphando kwaye uthelekise ababolekisi abahlukeneyo ngaphambi kokuba ukhethe enye.

Nazi ezinye zezona mboleko zintle zikaxakeka eKenya ngeMpesa ngo-2023 onokuthi uziqwalasele:

1). Imali-mboleko ye-KCB Mpesa, mboleko kaxakeka eKenya ngeMpesa.

I-KCB Mpesa yenye yezona mveliso zidumileyo zemboleko ezingxamisekileyo eKenya. Imali mboleko kaxakeka ayikhuselekanga kwaye inokuya phezulu njenge-Kshs 1,000,000 kunye nexesha lokubuyisela ukuya kuthi ga kwinyanga enye.

Ababoleki bokuqala banokufumana i-Ksh. I-1,000 lemali mboleko kunye nezinye ezininzi mboleko ngaphakathi kwemida yazo.

Kwaye, sele ndikhankanye ukuba inzala yemali-mboleko yi-8.64%?

Usifaka njani isicelo seMali mboleko ye-KCB Mpesa.

1. Yiya kwimenyu ye-M-PESA
2. Khetha imali-mboleko & nogcino
3. Khetha i-KCB M-PESA
4. Thepha kwiimali-mboleko
5. Cofa kwisicelo semali mboleko
6. Faka imali
7. Faka i-PIN ye-M-PESA kwaye uyingenise.

2). Imali-mboleko ekhawulezayo, imali-mboleko kaxakeka eKenya ngeMpesa.

Imali mboleko ekhawulezayo eKenya ekwabizwa ngokuba yi { Quickloans.co.ke } yiwebhusayithi engaziwa kangako kodwa ebonelela ngemali mboleko engxamisekileyo eKenya ukuya kuthi ga kwii-Kshs. 85,000 kubantu abasebenzayo.

Ngokungafaniyo nabangakhuselekanga iimali-mboleko ezinikezelwa yi-KCB Mpesa, imali-mboleko yi-Quick Loans Kenya ifuna ukuba ubonise ubungqina bengqesho, uchaze zonke ezinye iimali-mboleko onazo, kwaye uqinisekise ukuba uneminyaka engakanani uqeshwe phakathi kwezinye izinto ezinxulumene ne-HR.

Ukuba unomdla kwezi mboleko zikaxakeka, yiya kwiwebhusayithi ye-Kenya mboleko kwaye ucofe iqhosha lokusebenzisa ukuze uqalise.

3). I-Jitegemea, imali-mboleko kaxakeka eKenya ngeMpesa.

I-Jitegemea loans yimali-mboleko esetyenziselwa ukulungisa iimeko zikaxakeka ezingalindelekanga njengamatyala esibhedlele, isitokhwe esingxamisekileyo, iimali zezibuko, kunye nayo nayiphi na enye intlawulo efuna inyathelo elikhawulezileyo.

Njengazo zonke ezinye mboleko kolu luhlu, UJetegemea ukhupha zonke iimali-mboleko ezingxamisekileyo ngeMpesa. Nangona kunjalo, kuya kufuneka uqale wonge kwisikimu ukuze ufumane ilungelo lokuboleka imali. Rhoqo ka-3 ukonga kwakho.

Ezinye iipakethe zeemali-mboleko ezidumileyo onokuzifumana kwi-Jitegemea ziquka: -

• Iimali-mboleko zeCawa
• Iimali-mboleko zabathengi
• Iimali-mboleko zeBiahara
• Iimali-mboleko ze-asethi
• Iimali-mboleko zikaHitimu
• Iimali-mboleko zeMazao

Phakathi kwabanye. Nganye yayo yenzelwe ukusombulula imfuno ethile.

Ukuqalisa ngeemali mboleko zeJitegemea, yiya kwindawo Jitegemea iwebhusayithi kwaye ucofe ku “faka isicelo seqhosha lemali-mboleko” ukuze uqalise.

4). IGreenland Fedha, imali mboleko kaxakeka eKenya ngeMpesa.

Ngoku, le ayisiyiyo i-microfinance yakho yesiqhelo yemali mboleko kaxakeka. Kwaye ayinguye wonke umntu ngaphandle kwamafama eti amancinci adinga iinkonzo zemali ezifikelelekayo.

Nangona kunjalo, usenokufumana imali-mboleko kaxakeka nokuba ungumlimi ngokukhuphela i-PESA ULIPO app ekwayimveliso ye-GFedha kuye wonke umntu.

Ukwenza isicelo semali mboleko kwaye uyifumane nge Mpesa, yiya kwi-Playstore kwaye ukhuphele i-app ukuqalisa inkqubo yesicelo.

Okanye, vele uye kwiwebhusayithi yeGfedha kwaye ufake isicelo kuzo zonke ezinye iimali-mboleko ezibonelelweyo kubandakanya: -

• Imali-mboleko yoPhuhliso
• Imali-mboleko eNgxamisekileyo
• I-Working Capital Loans
• Imali-mboleko ehlawulwayo
• Imali mboleko yeMfundo
• Imali-mboleko yeSolar Energy
• Iinkonzo zeBhanki eziSelfowuni
• Iinkonzo zeBhanki ze-Arhente

5). Imali mboleko ye-Muson eKenya ngeMpesa.

Ngaba ufuna imali-mboleko ekhawulezayo?

I-Musoni Microfinance yenye yeemveliso zemboleko ezingxamisekileyo onokuthi uzilandele ukuze ufumane imali ngaphantsi kweeyure ezingama-72.

Ukuba umtsha kule mveliso, iMusoni Kenya yinkonzo yemali mboleko kaxakeka enikezela ngemali mboleko engxamisekileyo ukuya kuthi ga kwi-Kshs 30,000 kunye nexesha lokubuyisela ukuya kuthi ga kwiinyanga ezili-12.

Iimali-mboleko ezingxamisekileyo azikhuselekanga kwaye zihlawulwa nge Mpesa.

Okubangela umdla kukuba, uMusoni akahlawulisi mali mboleko yangaphambili kwaye unokufaka isicelo sazo naziphi na iimali-mboleko ezingxamisekileyo kwipotfoliyo yabo, kubandakanya kodwa kungaphelelanga kwimali-mboleko yezolimo, imali mboleko yeshishini, imali mboleko yemfundo, kunye nokunye ngokucofa iqhosha.

6). Iimali-mboleko zeSenti, iimali-mboleko zikaxakeka eKenya ngeMpesa.

Ezi ziimali-mboleko ezingxamisekileyo kubantu abafuna imali-mboleko ekhawulezayo ukuya kuthi ga kwi-Ksh. 40,000 ehlawulwa ngeMpesa.

Ukuqalisa, yiya kwiPlaystore kwaye ukhuphele iSenti iapp yemali mboleko.

Okulandelayo, faka isicelo semali-mboleko.

Linda ukuqinisekiswa. Ithatha imizuzwana embalwa.

Emva kokuqinisekisa, unxunguphalo lwakho imali-mboleko iya kuvunywa kwaye ithunyelwe eMpesa.

Yinto elula leyo.

7). IJijenge Credit Limited, iiMali-mboleko eziNgxamisekileyo eKenya ngeMpesa.

I-Jijenge Credit liZiko eliBolekayo leMali eliNcinci elincinane elingayifaki idiphozithi elinabathengi abangaphezu kwe-10,000 eKenya, eSudan, naseTanzania, kwaye undlunkulu useTown House, eNairobi, eKenya.

Ukuqalisa ngemali mboleko yeJijenge kaxakeka, vele uye kwiwebhusayithi yabo kwaye ufake isicelo semali mboleko kuluhlu olunikiweyo.

8). Abantu bokwenyani iiMali-mboleko eziNgxamisekileyo.

Abantu bokwenyani ngumboneleli wezisombululo zezemali ongathatheliyo kumashishini. Ijolise kurhwebo olukhulu kunye nomdla okhethekileyo kwicandelo lamaShishini amaNcinci naPhakathi eKenya.

Ukuba ukhangela iimali-mboleko ezingxamisekileyo kunye nezicwangciso zokuhlawula eziguquguqukayo ukuya kuthi ga kwiinyanga ezili-12, abantu bokwenyani imali mboleko kaxakeka kufanelekile ukuyijonga.

Ukuqalisa, yiya kwiPlaystore kwaye ukhuphele usetyenziso.

9). I-Eclof Kenya, iiMali-mboleko eziNgxamisekileyo eKenya ngeMpesa.

I-ECLOF yaseKenya lelinye iZiko lemali eliNcinci elibonelela ngeenkonzo zezeMali kunye nezinye ezinxulumeneyo ezingezizo ezemali kuluntu olusesichengeni sezoqoqosho kuwo onke amacandelo oqoqosho.

Iqonga lithandwa kakhulu ngemali mboleko kaxakeka njengoko i-KCB-Mpesa injalo kodwa ibonelela ngeminikelo yemali-mboleko.

Ukuba unomdla wokujonga i-Eclof, yiya kwiwebhusayithi yabo kwaye wenze isicelo sakho.

10). Mwananchi Credit Emergency Loans Kenya

Kakade ke, asinako ukulugqiba olu luhlu lwemeko kaxakeka mboleko eKenya ngeMpesa ngaphandle kokukhankanya i-Mwananchi Credit.

I-Mwananchi yenye yezona mveliso zibolekwayo zikaxakeka eKenya ezinegama eliqinileyo lokubonelela abantu baseKenya ngemali mboleko kaxakeka xa beyifuna kakhulu.

Yiya kwiwebhusayithi yetyala leMwananchi ukufumana ngakumbi malunga nokubonelela kwabo.

Iingcebiso malunga nendlela yokukhetha iMali-mboleko eNgxamisekileyo eKenya ngeMpesa ngo-2023

Ngaphambi kokuba ufake isicelo sayo nayiphi na imali mboleko kaxakeka eKenya ngeMpesa ngo-2023, kuya kufuneka uqwalasele ezi zinto zilandelayo:

• Isixa osifunayo: Kufuneka uboleke kuphela into oyifunayo kunye nento onokukwazi ukuyihlawula.

Ukuboleka imali engaphezulu kunoko uyidingayo kuya kukwandisa inzala kunye nemali ehlawulwayo, kwaye kunokukhokelela ekubeni ubenamatyala kakhulu.

• Ixesha lokuhlawula: Kuya kufuneka ukhethe ixesha lokuhlawula elihambelana nokuhamba kwemali kunye nohlahlo lwabiwo-mali.

Ixesha elifutshane lokuhlawula liyakunciphisa inzala kunye neentlawulo zakho, kodwa liya kwandisa izavenge zakho zenyanga.

Ixesha elide lokuhlawula liya kuthoba izavenge zakho zenyanga, kodwa liya kwandisa inzala kunye neentlawulo zakho.

• Izinga lenzala kunye nemirhumo: Kuya kufuneka uthelekise ababolekisi abahlukeneyo kwaye ukhethe lowo unikezela ngelona zinga liphantsi lenzala kunye nemirhumo.

Kufuneka kwakhona ujonge naziphi na iintlawulo ezifihliweyo okanye izohlwayo ezinokusebenza xa ubhatalwa emva kwexesha okanye ukusilela.

• Iikhrayitheriya zokufaneleka: Kuya kufuneka ujonge ezona mfuno zisezantsi umbolekisi ngamnye anazo kubaboleki.

Abanye ababolekisi banokufuna ukuba ube nenqanaba lomvuzo othile, amanqaku etyala, okanye imbali yentengiselwano. Abanye ababolekisi banokukwala ukuba unemali-mboleko esele ikhona okanye iirekhodi zetyala ezingalunganga nabanye ababolekisi.

• Inkonzo eyenzelwe: Kuya kufuneka ukhethe umbolekisi oneqela eliphendulayo neliluncedo lenkonzo yabathengi. Kuya kufuneka ukwazi ukunxibelelana nabo ngokulula ngefowuni, i-imeyile, okanye imidiya yoluntu.

Kuya kufuneka kwakhona ujonge uphononongo lwabo kunye neereyithingi ezivela kwabanye abathengi ukuze ubone indlela abazisingatha ngayo izikhalazo kunye nemibuzo.

Iingcebiso zendlela yokuyibuyisela kwiMali-mboleko yakho eNgxamisekileyo eKenya ngeMpesa ngexesha

Ukubuyisela imali mboleko yakho kaxakeka eKenya ngeMpesa ngexesha kubaluleke kakhulu kwimpilo yakho yezemali kunye namanqaku etyala.

Ukuba uyasilela ukuhlawula imali-mboleko yakho ngexesha, unokujongana nezi ziphumo zilandelayo:

• Uya kuzenza iintlawulo ezongezelelweyo kunye nezohlwayo oko kuya kwandisa umthwalo wakho wamatyala.
• Inqaku letyala elonakeleyo: uyawonakalisa amanqaku akho etyala kunye nodumo kumbolekisi kunye namanye amaziko emali.
• Uza ku ukunciphisa amathuba akho okufumana enye imali-mboleko kwixesha elizayo okanye ukufumana imiqathango engcono kunye namaxabiso.
• Uya kuba semngciphekweni wokudweliswa yiCredit Reference Bureau (CRB) njengomntu ongahlawuliyo, nto leyo inokuchaphazela ukufikelela kwakho kwezinye iinkonzo zemali.

Ukunqanda ezi ziphumo, kuya kufuneka ulandele ezi ngcebiso malunga nendlela yokubuyisela imali mboleko yakho eKenya ngeMpesa ngexesha:

• Cwangcisa phambili: Kufuneka ube nesicwangciso esicacileyo malunga nendlela oza kusisebenzisa ngayo isixa-mali semali-mboleko kunye nendlela oza kuyibuyisela ngayo.

Kuya kufuneka wenze uhlahlo lwabiwo-mali olubandakanya umvuzo kunye neendleko zakho, kwaye ukwabele imali ethile yokuhlawula imali-mboleko yakho nyanga zonke.

• Hlawula kwangoko: Kufuneka uhlawule imali-mboleko yakho ngokukhawuleza, mhlawumbi ngaphambi komhla omiselweyo.

Oku kuya kukunceda ukuba uphephe imirhumo yokuhlawula emva kwexesha kunye nezohlwayo, kwaye kwakhona ukongele inzala ethile.

• Hlawula ngaphezulu: Kufuneka uhlawule ngaphezulu kweyona mali isezantsi ifunekayo nyanga zonke ukuba unako ukuyihlawula.

Oku kuya kukunceda unciphise ibhalansi yakho eyintloko ngokukhawuleza kwaye uthobe inzala yakho.

• Hlawula rhoqo: Kufuneka uhlawule imali-mboleko yakho rhoqo ngenyanga ngaphandle kokutsiba okanye ulibazise naziphi na iintlawulo. Oku kuya kukunceda ugcine imbali entle yokuhlawula kwaye uphucule amanqaku akho etyala.
• Hlawula ngekhompyutha: Kuya kufuneka uhlawule imali-mboleko yakho usebenzisa iakhawunti yakho ye-Mpesa okanye nayiphi na enye indlela ye-elektroniki eyamkelwa ngumbolekisi. Oku kuya kukunceda ukuba uphephe imirhumo yokuphatha imali kwaye uqinisekise ukuthengiselana ngokukhawuleza nangokukhuselekileyo.

Sigqibo.

Kukho inani leemveliso zemboleko ezingxamisekileyo eKenya onokuthi uzilandele ukuze ufumane imali ngaphantsi kweeyure ezingama-72.

Imali-mboleko nganye engxamisekileyo inemigaqo nemiqathango yayo, ke qiniseka ukuba ufunda umbhalo ococekileyo phambi kokuba ubhalisele nayiphi na imveliso.

Kwaye khumbula, hlala uyibuyisela imali mboleko yakho ngexesha likaxakeka ukunqanda ukonakalisa amanqaku akho etyala kunye nokwandisa amathuba akho okuboleka ngakumbi.

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