Ii-Apps zeMali-mboleko eselula eKenya 2023: Isikhokelo esigqibeleleyo

Ngaba ujonge indlela ekhawulezayo nelula yokufikelela kwityala eKenya? Ngaba uyafuna ukwazi ukuba zeziphi ezona zicelo zibalaseleyo zemboleko yeselula eKenya 2023 ezinokukunika imali mboleko ngoko nangoko ngaphandle kwesibambiso okanye ukhuseleko? Ukuba ewe, ke ukwindawo eyiyo.

Kweli nqaku, ndiza kukunika isikhokelo esibanzi kwezona zicelo zibalaseleyo zemali mboleko eKenya 2023 onokuzisebenzisa ukufumana imali mboleko nanini na, naphi na.

Ndizakuthelekisa neempawu zabo, inzala, imida yemali-mboleko, amaxesha okuhlawula, kunye nophononongo lwabathengi ukukunceda wenze isigqibo esinolwazi.

Kodwa ngaphambi kokuba singene kwiinkcukacha, mandiqale ndichaze ukuba zeziphi ii-apps zemali-mboleko yeselula kwaye kutheni zithandwa kangaka eKenya.

Zeziphi ii-Apps zeMali-mboleko yeMobile?

Usetyenziso lwemali mboleko yeselula zizicelo onokuthi uzikhuphele kwi-smartphone yakho kwaye usebenzise ukufaka isicelo semali mboleko kwi-Intanethi. Baziwa ngokuba ngababolekisi bedijithali okanye ababolekisi be-fintech kuba basebenzisa itekhnoloji ukubonelela ngeenkonzo zemali.

Usetyenziso lwemali mboleko yeselula luguqule ishishini lokuboleka imali eKenya ngokunikezela ngokukhawuleza nangokufanelekileyo ukufikelela kwityala.

Ngokungafaniyo neebhanki zemveli, usetyenziso lwemali mboleko yeselula ayifuni ukuba ugcwalise iifomu ezinde, unikeze isibambiso, okanye ube nembali entle yetyala. Ekuphela kwento oyifunayo yiakhawunti ebhalisiweyo yemali ephathwayo efana neM-Pesa okanye iAirtel Money kunye nesazisi sesizwe esisebenzayo.

a). Zeziphi iiapps zemali-mboleko eKenya eziqwalaselayo ngaphambi kokuba zikuboleke imali

Usetyenziso lwemali mboleko yeselula zisebenzisa imithombo yedatha eyahlukeneyo efana nokusetyenziswa kwefowuni yakho, umsebenzi weendaba zosasazo, iingxelo zereferensi yekhredithi (CRB), kunye neminye imithombo yomntu wesithathu ukuvavanya ukufaneleka kwakho kwetyala kunye nokumisela umda wemali-mboleko yakho kunye nenqanaba lenzala.

Okukhona uboleka kwaye ubuyisela ngexesha, kokukhona unyuka umyinge wemali-mboleko yakho kwaye uthoba inzala yakho.

b). Ii-apps zemali-mboleko yeselula ziyihlawula njani imali mboleko eKenya.

Iiapps zemali-mboleko yeselula zikhupha imali-mboleko ngokuthe ngqo kwi-akhawunti yakho yemali ephathwayo kwimizuzu nje yolwamkelo.

Ungayisebenzisa ke imali ngayo nayiphi na injongo enjengokuhlawula amatyala, ukuthenga igrosari, ukuqala ishishini, okanye ukujongana neemeko zikaxakeka.

Unako kwakhona ukuyibuyisela imali mboleko usebenzisa iakhawunti yakho yemali ephathwayo ngaphambi komhla omiselweyo ukunqanda izohlwayo kunye nokuphucula amanqaku akho etyala.

Kutheni ii-Apps zeMali-mboleko yeSelfowuni zidumile eKenya?

Usetyenziso lwemali mboleko yeselula sele ludume kakhulu eKenya ngenxa yezizathu ezininzi. Ezinye zazo zezi:

• Zifikeleleka lula.

Ewe, unokukhuphela kwaye ufake usetyenziso lwemali mboleko yeselula kwi-smartphone yakho ngaphakathi kwemizuzu kwaye uqalise ukufaka isicelo semali mboleko nangaliphi na ixesha, naphi na.

Akuyomfuneko ukuba undwendwele isebe elibonakalayo, umgca weeyure, okanye ulinde iintsuku ukuze uvunywe.

• Babhetyebhetye.

ababoleki banokukhetha kwii-apps ezahlukeneyo zeemali mboleko ezibonelela ngeemali-mboleko ezahlukeneyo, inzala, amaxesha okuhlawula, kunye nemigaqo nemiqathango.

Ungaphinda uthelekise izibonelelo ezahlukeneyo kwaye ukhethe leyo ilungele iimfuno zakho kunye nezinto ozikhethayo.

• Ziyafikeleleka.

Uninzi lwee-apps zemali-mboleko yeselula zihlawulisa inzala ephantsi kuneebhanki zemveli kunye nabanye ababolekisi abangekho sikweni njenge shylocks okanye iChamas.

Abanye bade babonelele ngemali-mboleko engenanzala okanye izaphulelo kubathengi abathembekileyo. Kananjalo awunyanzelekanga ukuba uhlawule nayiphi na imali yesicelo, imali yokulungisa, okanye iintlawulo ezifihliweyo.

• Ziselubala.

Ii-apps zokubolekwa kwemali eziphathwayo zityhila lonke ulwazi malunga nemali-mboleko yazo njengexabiso lilonke letyala, ipesenti yepesenti yonyaka (APR), imirhumo yokuhlawula kade, kunye neemali zokuqengqeleka phambi kokuba wamkele unikezelo.

Unokufikelela kwimbali yakho yemali-mboleko, ibhalansi, kunye neshedyuli yokuhlawula kwi-app nanini na.

• Zikhuselekile.

Ii-apps zemali-mboleko yeselula zisebenzisa uguqulelo oluntsonkothileyo kunye namanye amanyathelo okhuseleko ukukhusela idatha yakho yobuqu neyemali ekufikeleleni okungagunyaziswanga okanye ukusetyenziswa kakubi.

Bakwathobela imithetho yeBhanki Enkulu yaseKenya (CBK) kunye noMthetho woKhuseleko lweDatha ka-2019 ukuqinisekisa ukuba amalungelo akho njengomboleki ayahlonitshwa.

Ungayikhetha njani eyona App yeMali-mboleko yeSelfowuni eKenya ngo-2023

Ngoncedo oluninzi lwemali mboleko yeselula ekhoyo eKenya ngo-2023, ungayikhetha njani eyona ilungileyo kuwe? Nazi ezinye izinto ekufuneka uziqwalasele ngaphambi kokufaka isicelo semali mboleko yeselula:

• Imali-mboleko.

Udinga imali engakanani?

Ii-apps ezahlukeneyo zemboleko yeselula zinemida eyahlukeneyo ephantsi kunye nephezulu yemali mboleko ngokuxhomekeke kwiikhrayitheriya kunye nemigaqo-nkqubo.

Kuya kufuneka ukhethe i-app yemali mboleko enokukunika imali eyaneleyo yokuhlangabezana neemfuno zakho ngaphandle kokuboleka kakhulu okanye encinci kakhulu.

• Izinga lenzala. Uza kuyihlawula malini le mboleko?

Kwakhona, ii-apps ezahlukeneyo zemboleko yeselula zinenzala eyahlukileyo ngokuxhomekeke kuvavanyo lwabo lomngcipheko kunye neemeko zentengiso.

Cinga ngokukhetha iapp yemali mboleko yeselula ebiza inzala efanelekileyo onokuthi ukwazi ukuyibuyisela ngaphandle kokutsala nzima kuhlahlo lwabiwo-mali lwakho.

• Ixesha lokuhlawula.

Kuya kuthatha ixesha elingakanani ukubuyisela imali-mboleko?

Ii-apps zemali-mboleko yeselula zinamaxesha ahlukeneyo okuhlawula ukusuka kwiintsuku ezimbalwa ukuya kwiinyanga ezininzi ngokuxhomekeke kwimigaqo nemiqathango yazo.

Ingcebiso yam, khetha iapp yemboleko yeselula ekunika ixesha elaneleyo lokubuyisa imali mboleko ngaphandle kokuyandisa kakhulu okanye kancinci kakhulu.

• Uphononongo lwabathengi. Bathini abanye ababoleki malunga nesicelo semali mboleko yeselula?

Kuya kufuneka ufunde uphononongo lwabathengi kwiiapps ezahlukeneyo zemboleko yeselula kuGoogle Play Store, iVenkile yeApp, amaqonga eendaba ezentlalo, iibhlog, iiforam, kunye neminye imithombo ye-intanethi.

Kuya kufuneka ukhethe i-app yemali mboleko enengxelo eyakhayo evela kubathengi abonelisekileyo abancoma umgangatho wenkonzo yayo, ukuthembeka, kunye nobugcisa.

Ezona Nkqubo ziPhambili zeMali mboleko eKenya ngo-2023

Ngokusekwe kwezi zinto zingasentla, ndiqulunqe uluhlu lwezona zicelo zibalaseleyo zemali mboleko eKenya ngo-2023 onokuzisebenzisa ukuze ufumane imali mboleko ngoko nangoko ngaphandle kwesibambiso okanye ukhuseleko. Nazi:

1. Isebe

Branch yenye yezona zidumileyo nezithenjwayo Iiapps zemali-mboleko yeselula eKenya kwi 2023.

Ibonelela ngeemali-mboleko eziqala kwi-Ksh 250 ukuya kwi-Ksh 300,000 kunye nenzala eyahluka-hlukeneyo ngokuxhomekeke kwisixa semali-mboleko kunye nexesha olikhethileyo lokuhlawula.

Ixesha lokubuyisela iiveki ezi-4-52 ngokuxhomekeke kwisixa semali-mboleko kunye namaxesha. Unokufumana iibhonasi kunye nezaphulelo zokuthumela abahlobo, ukubuyisela ngexesha, kunye nokuthatha iimali-mboleko ezininzi.

I-app yemboleko yesebe kulula ukuyisebenzisa kwaye iyakhawuleza ukuyivuma.

Unokukhuphela i-app kwi-Google Play Store okanye i-App Store kwaye ubhalise kunye nenombolo yakho yefowuni kunye ne-ID yesizwe.

Unokwenza isicelo semali-mboleko kwaye uyifumane kwimizuzu nje embalwa ukuba ivunyiwe.

Xa ixesha lokubuyisela lifikile, sebenzisa inombolo ye-M-Pesa Paybill 998608 ukwenza intlawulo mboleko yakho.

Ukuza kuthi ga ngoku, iSebe linokukhuphela okungaphezulu kwezigidi ezili-10 kunye neenkwenkwezi ezi-4.5 kuGoogle Play Store.

Ikwafumene uphononongo oluhle oluvela kubathengi abakuxabisayo ukusebenziseka kwayo, ukuguquguquka, kunye nenkonzo yabathengi.

2. Tala

Tala yenye i-app ekhokelayo yemali mboleko yeselula eKenya 2023 ebonelela ngeemali-mboleko ukusuka kwi-Ksh 2,000 ukuya kwi-Ksh 30,000 kunye nenzala ye-11-15% yemali-mboleko.

Ixesha lokuhlawula liziintsuku ezingama-21-30 ngokuxhomekeke kwisixa semali-mboleko kunye namaxesha. Unokufumana iibhonasi kunye nezaphulelo zokuthumela abahlobo, ukubuyisela ngexesha, kunye nokuthatha iimali-mboleko ezininzi.

I-Tala ilula ukuyisebenzisa kwaye iyakhawuleza kwimvume yemali-mboleko.

Unokukhuphela i-app kwi-Google Play Store okanye i-App Store kwaye ubhalise kunye nenombolo yakho yefowuni kunye ne-ID yesizwe.

Ukusetyenziswa kwentlawulo yemali mboleko yeTala Inombolo yentlawulo ye-M-Pesa 851900.

I-Tala inokukhuphela okungaphezulu kwezigidi ezi-5 kunye neenkwenkwezi ezi-4.6 kuGoogle Play Store.

3. Timiza

I-Timiza yi-app yemali mboleko yeselula evela kwi-Absa Bank Kenya Plc ebonelela ngeemali-mboleko ukusuka kwi-Ksh 50 ukuya kwi-Ksh 150,000 kunye nenzala ye-1.17% yemali-mboleko ngenyanga.

Ixesha lokuhlawula ziintsuku ezingama-30 kungakhathaliseki ukuba lithini na inani lemali-mboleko kunye namaxesha.

Nge-app yemali mboleko ye-Timiza, unokufikelela kwezinye iinkonzo zebhanki ezinje ngogcino, iintlawulo zebhili, ukuthengwa kwe-airtime, i-inshurensi kunye notyalo-mali.

Ukuba yi-app yemali mboleko yibhanki esele ikhona, iTimiza ivuma imali-mboleko ngokukhawuleza.

Khuphela usetyenziso lweTimiza kwiVenkile yeGoogle Play okanye iVenkile yeApp kwaye ubhalise ngenombolo yakho yefowuni kunye nesazisi sesizwe.

Inombolo ye-Timiza M-Pesa Paybill 300067 kwaye inokukhutshelwa okungaphezulu kwesigidi esi-1 kunye neenkwenkwezi ezi-4 kuGoogle Play Store.

4. M-Shwari

I-M-Shwari lusetyenziso lwemali mboleko yeselula evela kwiSafaricom Plc ebonelela ngeemali-mboleko ukusuka kwi-Ksh 100 ukuya kwi-Ksh 50,000 kunye nenzala ye-7.5-9% yemali-mboleko ngenyanga.

Njengoninzi lweeapps zemali-mboleko kolu luhlu, ixesha lokubuyisela uMshwari ziintsuku ezingama-30 nokuba lithini na inani lemali-mboleko kunye nokuphindaphindwa.

Nge-app yemali mboleko yakwaMshwari, unokufikelela kwezinye iinkonzo ezinje ngogcino, imali egqithisiweyo, ii-akhawunti zogcino ezitshixwayo, kunye nee-akhawunti zedipozithi ezisisigxina.

I-M-Shwari ilula ukuyisebenzisa kwaye iyakhawuleza ukuvuma iimali-mboleko.

Unokufikelela kusetyenziso ngemenyu yakho ye-M-Pesa kwifowuni yakho ngokukhetha iMali-mboleko kunye noLondolozo ukhetho.

Jonga umda wemali mboleko yakho yakwaMshwari, faka isicelo semali-mboleko, kwaye uyifumane kwimizuzu ukuba ivunyiwe.

5. Zenka

I-Zenka sisicelo semali mboleko yeselula ebonelela ngeemali-mboleko ukusuka kwi-Ksh 500 ukuya kwi-Ksh 30,000 ngepesenti yepesenti yonyaka (APR)  9 - 39%, kuxhomekeke kubungakanani bemali-mboleko.

Ixesha lokuhlawula ziintsuku ezingama-61 ngokuxhomekeke kwisixa-mali semali-mboleko kunye namaxesha. Ukwanalo nenzuzo yeebhonasi kunye nezaphulelo zokuthumela abahlobo, ukubuyisela ngexesha, kunye nokuthatha iimali-mboleko ezininzi.

Khuphela usetyenziso kuGoogle Play Store okanye kwiApp Store kwaye ubhalise ngenombolo yakho yefowuni kunye nesazisi sesizwe.

6. Pesa Plus

I-Pesa plus sisicelo esiphathwayo esibonelela ngemali mboleko ekhawulezayo nefanelekileyo kubantu baseKenya.

Ungaboleka ukuya kuthi ga kwi-Ksh 50,000 kunye nexesha lokubuyisela ukuya kuthi ga kwiintsuku ezili-180.

Kufuneka ube neakhawunti esebenzayo ye-M-Pesa kunye nesazisi esisebenzayo ukuze usifake isicelo. Inzala iqala kwi-12% ukuya kwi-36% ngonyaka kuxhomekeke kwisixa-mali semali-mboleko yakho kunye nobude bexesha.

7. Berry Loan App

I-Berry-Simple Swift Loan yi-micro-savings kunye ne-micro-credit app enikezela ngeemali mboleko ezinexabiso eliphantsi kunye neshedyuli yentlawulo ebhetyebhetye.

Ungaboleka ukusuka kwi-Ksh 500 ukuya kwi-Ksh 50,000 kunye nexesha lokubuyisela ukuya kuthi ga kwiintsuku ezingama-365.

Kufuneka ube nefowuni ye-Android, iakhawunti ye-M-Pesa, kunye nembali entle yetyala ukuze ufake isicelo.

8). ISaida Loan App

I-Saida Mobile Loan App yi-app enceda abantu ukuba bavunyelwe ukuba bafumane imali-mboleko yexesha elifutshane ngokusekelwe kumsebenzi wabo kwiifowuni zabo.

Ungaboleka ukusuka kwi-Ksh 600 ukuya kwi-Ksh 25,000 kunye nexesha lokubuyisela ukuya kuthi ga kwiintsuku ezingama-90.

Sebenzisa ifowuni ye-Android okanye ikhowudi ye-USSD ukufikelela kwimali-mboleko.

Uya kucelwa kwakhona ukuba ube neakhawunti ye-M-Pesa, kunye nenqaku elifanelekileyo letyala ukuze ufake isicelo.

Inzala iqala kwi-7.5% ukuya kwi-22% ngenyanga ngokuxhomekeke kwisixa-mali semali-mboleko yakho kunye nobude bexesha.

9. Imali-mboleko ye-Opalquick

I-Opalquick Loan yindlela ekhawulezayo nethembekileyo yokufikelela kwintlawulo yetyala kwi-app yakho yeselula nangaliphi na ixesha.

Ungaboleka ukusuka kwi-Ksh 1,500 ukuya kwi-Ksh 40,000 kunye nexesha lokubuyisela ukuya kuthi ga kwiintsuku ezingama-180.

isiphelo

Ezi zezinye zezona zicelo zibalaseleyo zemboleko yeselula eKenya 2023 onokuzisebenzisa ukuze ufumane imali mboleko ngoko nangoko ngaphandle kwesibambiso okanye ukhuseleko.

Nangona kunjalo, kufuneka uhlale ulumkile xa uboleka imali kwi-intanethi kwaye usebenzise kuphela ii-apps ezithembekileyo nezinelayisensi yemali mboleko ehambelana nemithetho ye-CBK kunye noMthetho woKhuseleko lwabathengi ka-2019.

Kufuneka kwakhona uboleke ngokuthembekileyo kwaye uthathe kuphela oko ukudingayo kwaye ubenakho ukuhlawula ngexesha. Ngaphandle koko, unokuphela kumgibe wetyala okanye wonakalise amanqaku akho ekhredithi.

Ndiyathemba ukuba eli nqaku libe luncedo kuwe. Ukuba unayo nayiphi na imibuzo okanye izimvo, nceda uzive ukhululekile ukwabelana nam. Enkosi ngokufunda kunye nokuboleka okuvuyisayo! 😊