Uqala njani ishishini leNdawo yokuThengisa iMali kunye neeBhanki yaseKenya eKenya.

Iidiphozithi eziphathwayo kunye nebhanki kunye nokutsalwa kwemali kuye kwaba yinxalenye yobomi bemihla ngemihla phantse kuwo wonke umntu waseKenya. Kuthekani ukuba ndingaqala imali yeselula kunye ne-arhente yebhanki? Uyabuza.

kuhle, Abantu basoloko befaka imali kwi-M-PESA yabo, i-Airtel Money, i-Telkom Kash, i-Equity Bank, i-Co-operative Bank, kunye ne-akhawunti ye-KCB, phakathi kwezinye izipaji eziphathwayo.

Kwinqanaba elilinganayo, abanye bahlala bekhupha imali abasandula ukuyifumana kwezi akhawunti.

Ngaba oko nangayiphi na indlela kuvakala ngokungathi iimali ezihambayo kunye nemali ebhankini kunye notsalo ziyanyamalala nanini na?

Akunjalo!

Iziphumo ze-arhente

Into enomdla kuyo yonke into kukuba ezo mali zifakwe kunye nokutsalwa kwemali kwenziwa nge-Mobile Money kunye nee-arhente zeBhanki ezenza loo ntengiselwano yonke imihla.

Iarhente iza esikhaleni ukuba ibonelele ngeendlela zokufaka kunye nokukhupha imali kwaye ukubuyisela, bafumana iikhomishini kuzo zombini iinkonzo.

Ngoku uyazi ukuba iarhente iya kufumana iikhomishini zokulamla iidiphozithi kunye nokurhoxa malunga neMali ehambayo kunye neBhanki. Ngaba awungekhe ube ngummeli kwaye ucofe kwiikhomishini ezoyikekayo kwishishini leMali kunye neArhente yeBhanki?

Into enomdla kukuba, ishishini learhente yebhanki lelinye lamashishini anengeniso eKenya kwi2024.

Yintoni omele uyiqwalasele xa uqala iArhente yeMali ePhathekayo kunye neArhente yeBhanki eKenya

Indawo.

Ungalifumana ishishini lakho leMali yeSelfowuni kunye ne-Agent yeBhanki ecaleni kwesitrato esixakekileyo okanye kwikona yobuchule apho abantu behlala bedlula kwaye bebona kude.

Ngaloo ndlela, uya kutsala abadlula ngendlela kunye nabantu abasuka kude ngokufanayo.

a. I-M-PESA kunye neemfuno zeArhente yeBhanki.

I-M-PESA yeyona inenzuzo kwaye yomelele kwinethiwekhi yemali.

Qaphela ukuba zimbini iintlobo zeendawo ze-M-PESA. Thatha isigqibo sokuba yeyiphi kwezi zimbini oza kuqala ngayo ngokujonga iimfuno zabo ezingezantsi.

• Indlela yokuphuma esemgangathweni.
• Ivenkile yomthengisi ophantsi.

Indlela yokuphuma esemgangathweni:-

Okokuqala, ukuqala,

1. Unenkampani ebhalisiweyo ebekelwe umda kwishishini ubuncinci iinyanga ezi-6.
2. Ubuncinci iivenkile ezi-3 zikulungele ukunika iinkonzo ze-M-PESA.
3. Unotyalo-mali oluncinci lwe-Ksh.100,000 yokuthenga ukuntywila.
4. Nika iSafaricom imvume yokushishina kwindawo nganye ekuthengiswa kuyo ye-M-PESA.
5. Thumela iSafaricom iVAT yakho kunye nezatifikethi zerhafu.
6. Nika iSafaricom iphepha-mvume lokubhankisha elivela kwiziko elinemali
7. Gcwalisa uxwebhu lwesicelo se-Agent ye-M-PESA kundlunkulu.
8. Gcwalisa ifomu yesicelo sevenkile yomenzeli we-M-PESA.

IFom yesicelo kwaNdlunkulu IFom yesicelo seNdlunkulu

Okwesibini, emva kokuba uzifakile iifomu zakho, uhlangabezane nazo zonke iimfuno, kwaye unikwe inombolo yoMmeli;

1. Yenza uphawu lwentengiso yakho ye-M-PESA emva kwenkqubo yokufaka uphawu kwi-Safaricom
2. Thatha isigqibo sokuba uyisebenzise ngokwakho okanye uza kuqesha umntu othembekileyo nonobuchule.

Okwesithathu, iindima zakho ziya kuba kuku;

1. Inkqubo yokurhoxiswa kwabasebenzisi ababhalisiweyo be-M-PESA.
2. Faka imali kwiiakhawunti zabasebenzisi ababhalisiweyo be-M-PESA.
3. Bhalisa abasebenzisi abatsha be-M-PESA.
4. Thobela iindlela zoshishino zeSafaricom.

Ivenkile yomthengisi ophantsi:-

2. Sebenza phantsi kwearhente yeM-PESA enelayisensi ngu:
   • Ukuthenga umgca wabo we-M-PESA
   • Ukuhlawula ikhomishini yokusebenzisa imigca yabo.
3. Unotyalo-mali oluncinci lwe-Ksh. 20,000-Ksh.40,000.
4. Yenza iindima ezifanayo nezo zemveliso esemgangathweni osebenza phantsi kwayo.

b. Iimfuno zeAgent Bank.

Okokuqala, ukuze ube yiArhente yezoLingano, kufuneka oku kulandelayo:

1. Ishishini esele lisebenza ngempumelelo kwindawo enye ubuncinci iinyanga ezili-12.
2. Iimvume ezifanelekileyo zeshishini.
3. Indawo yoshishino enobuchule efikelelekayo, ebonakalayo, nekhuselekileyo.
4. Udumo oluhle kunye nokuziphatha okuphezulu.
5. Indawo efikelelekayo kunye nendawo yokubamba.
6. Inkcazo emfutshane yomsebenzi wezorhwebo kwiinyanga ezili-12 ezidlulileyo.
7. Iingxelo zebhanki zangoku zeenyanga ezi-6 ezidlulileyo.

Okwesibini, emva kokuba udibene naloo mqobo:

1. Gcwalisa ungenise I-arhente yeBhanki ifomu yesicelo kwi-Equity Bank.
2. Ngenisa ifom yakho yesicelo ezalisiweyo yasayinwa kunye nala maxwebhu alandelayo:

Iimfuno ze-Arhente yeBhanki ye-Equity

• Isazisi sikaZwelonke kunye neekopi zomfaki-sicelo oyintloko (abafake izicelo) kwi-Equity Bank.
• Isiqinisekiso sokuziphatha kakuhle kwi-Equity Bank.
• Inkcazo emfutshane yomsebenzi wezorhwebo kwiinyanga ezili-12 ezidlulileyo (iprofayile yeshishini).
• Iingxelo zeBhanki kunye / okanye zeMali mboleko ezisuka nakweliphi na iziko kwiinyanga ezili-12 ezidlulileyo.
• Iikopi ezintathu (3) zekhontrakthi yeArhente yeEquity esele ityikityiwe yokuhamba nesicelo.
• Ikopi yesatifikethi sokufakwa okanye isatifikethi sobhaliso lwegama leshishini njengoko kufanelekile.
• Amanqaku nememorandam yombutho / itayitile yobambiswano apho kufanelekileyo.
• Isisombululo seBhodi (esisebenza kwiinkampani nakwintsebenziswano).
• Ilayisenisi yeshishini esebenzayo okanye imvume yayo nayiphi na imisebenzi yorhwebo esemthethweni eqhutywa liqumrhu.
• Iirekhodi zemali eziphicothiweyo kwiinyanga ezili-12 ezidlulileyo.
• Imephu yomzobo weshishini kunye nendawo yasekhaya.
• Ingxelo yeZiko elijongene neKhredithi Bureau (CRB).
• Iifoto ezimbini zobungakanani bepaspoti kumfaki-sicelo ngamnye.
• Ikharityhulamu (i-CV) yabo bonke abafake izicelo

Okwesithathu, fakela iifoto ezintathu ezinemibala kwindawo yeshishini ebonisa:

• Umbono wangaphakathi wezakhiwo ezisemnyango.
• Umbono wangaphakathi obonisa isitokhwe.
• Ngaphandle, i-15 yeemitha ukusuka emnyango ibonisa indawo ekufutshane.

c. Iimfuneko zeArhente yeBhanki ye-KCB.

Nantsi into efunekayo ukuze ube yiarhente: -

1. Yiba neakhawunti yebhanki kunye neKCB.
2. Iifoto zobungakanani bepaspoti ezinemibala emibini.
3. Isatifikethi sepini.
4. Incwadi yesazisi.
5. Isatifikethi esisemthethweni sokuziphatha kakuhle.
6. Ilayisensi yeshishini.
7. Ishishini elikhoyo kufuneka ukuba lisebenze ubuncinci iinyanga ezili-12.
8. Gcwalisa iifomu zesicelo kwisebe le-KCB elikufutshane.

d. Iimfuno zeArhente yeBhanki yokuSebenza.

Akunyanzelekanga ukuba ube ngumnini-akhawunti ye-Co-op ukuze ufake isicelo sokuba yi-arhente. Abathengi, abangengabo abathengi, amalungu e-SACCO-link, ookopolotyeni, abathengi be-MCU, abathengi bee-SME, kunye namaqumrhu anokuba zii-Arhente zeBhanki ye-Co-Op.

Ukuba yiarhente;

1. Ndwendwela isebe lakho le-Co-op Bank elikufutshane.
2. Gcwalisa ifom yesicelo.
3. Ngenisa la maxwebhu alandelayo kunye nefom yesicelo yabantu:
   • Isatifikethi sokuziphatha kakuhle.
   • Isatifikethi sePIN.
   • Iingxelo zebhanki ukuba awunguye umnini-akhawunti yeBhanki eyi-Co-op.
   • Amaphepha-mvume okushishina kwiinyanga ezili-12 ezidlulileyo.
   • Imvume yangoku yeshishini.
   • Isatifikethi sobhaliso.
   • Ikopi ye-ID okanye efanayo.
   • Iifoto ezimbini ezinobungakanani bepaspoti.
   • Ii-CV zabanini bamashishini okanye zabalawuli.
   • IFomu yesi-3 yeCBK kunye neFomu yesi-4 yeCBK ingqinwe nguMkomishinala weziFungo.
4. Kwiinkampani nakwii-SACCO, kuya kufuneka la maxwebhu ongezelelweyo alandelayo:
   • Iincwadi eziphicothiweyo zeeakhawunti kule minyaka mibini idlulileyo.
   • Isigqibo sokuqhuba i-arhente yebhanki.
   • Ukuvunywa kwe-SASRA yeeFOSA.
   • Ubhaliso lwe-VAT (apho kufanelekileyo)
5. Hlawula iifizi ezifanelekileyo ukulungiselela ulwamkelo:
   • Intlawulo yesicelo se-CBK se-Ksh.1,000.
   • Ukubekwa kumgangatho wokudada - Ukugqitywa ngumda wabathengi ofike ngexesha lovavanyo.

Inkunzi iyafuneka kwishishini leMali yeMobile kunye neBhanki yeBhanki.

Inkunzi ixhomekeke ekubeni ufuna ukulibeka phi ishishini lakho.

Njengoko bekutshiwo ngaphambili, ukuba yiarhente ye-M-PESA kunokufuna ubuncinci be-Ksh.100,000. Ukuba ufuna ukongeza i-Arhente yeBhanki kwi-equation, unokufuna ngaphezulu. Makhe sithethe ngokubanzi ukuba unokufuna i-Ksh.100,000 - Ksh.500,000 ukuze ube yiMali esekwe kakuhle kunye ne-Agent yeBhanki.

Ngaba inenzuzo njani iArhente yeMali eSelfowuni kunye neArhente yeBhanki?

Ngaba liluncedo kangakanani kwishishini lokugcina imali?

IiKhomishini zaBameli be-M-PESA.

Iikhomishini zedipozithi ze-M-PESA.

isixa	Ikhomishini eKsh
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

Iikomishini zokurhoxa kwi-M-PESA.

Ikhomishini esebenzayo kwiKsh.
Isixa (Ksh)	Bhalisiwe           Ayibhaliswanga
10-49	N / A	N / A
50-100	IKsh. 5	N / A
101-500	IKsh. 8	IKsh. 8
501-1000	IKsh. 10	IKsh. 10
1,001-1500	IKsh. 12	IKsh. 12
1,501-2500	IKsh. 15	IKsh. 15
2,501-3500	IKsh. 20	IKsh. 20
3,501-5000	IKsh. 25	IKsh. 25
5,001-7500	IKsh. 30	IKsh. 30
7,501-10000	IKsh. 35	IKsh. 35
10,001-15000	IKsh. 45	IKsh. 45
15,001-20000	IKsh. 60	IKsh. 60
20,001-25000	IKsh. 65	IKsh. 65
25,001-30000	IKsh. 70	IKsh. 70
30,001-35000	IKsh. 70	IKsh. 70
35,001-40000	IKsh. 100	N / A
40,001-45000	IKsh. 150	N / A
45,001-50000	IKsh. 180	N / A
50,001-70000	IKsh. 200	N / A

IiKhomishini zeArhente yeBhanki ye-Equity.

IiKhomishini zokurhoxisa iBhanki ye-Equity.

• 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 nangaphezulu- Ksh. 120

IiKhomishini zeeBhanki ze-Equity.

• 100 -5,000 -Ksh. 10
• 5,001 -10,000 -Ksh. 15
• 10,001 -20,000 -Ksh. 20
• 20,001 nangaphezulu-i-Ksh. 30

Ezinye iinkonzo kunye neenkomishini zazo.

• Ukuvula iakhawunti-Ksh. 100
• I-Eazzy 24/7-Ksh. 30
• Ukusebenza kwakhona kweAkhawunti- Ksh. 50
• Beba-Ksh. 50
• E hapo hapo-Ksh.50

IiKomishini zeArhente zeBhanki zeKCB.

IiKomishini zeDipozithi zeBhanki zeKCB.

• 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

I-KCB yeBhanki yokurhoxisa iiKhomishini.

• 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

IiKhomishini zeArhente zeNtsebenziswano yeBhanki.

Iikhomishini ze-Co-Op zokurhoxa kwiBhanki.

• 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

 IiKhomishini zeDipozithi zeBhanki ze-Co-Op.

• 100-14,999 -Ksh. 10
• 15,000-19,999 -Ksh. 15
• 20,000-29,999 -Ksh. 20
• 30,000 nangaphezulu - Ksh. 30

Ezinye iiNkonzo kunye neeKomishini zazo.

• Ukusetyenziswa (Amanzi kunye ne-KPLC) -Ksh. 25
• Uphando lweBhalansi -Ksh. 5
• Isiteyitimenti esincinci-Ksh. 10                        

Yiyo indlela enokuba yingeniso ngayo iMali yeMali kunye neShishini leAgent yeBhanki.

Ukuba udibanisa ukuba yi-Arhente ye-M-PESA kunye nokuba yi-Agent yeBhanki yebhanki enye okanye ezininzi, ngokwenene ukwishishini elinengeniso. Imali ephathwayo kunye ne-Arhente yeBhanki, ke ngoko, iba lelinye lawona mashishini anengeniso eKenya namhlanje.