Izikweletu Eziphezulu Eziphuthumayo eKenya Nge-Mpesa 2022

Ngabe ufuna imali mboleko yezimo eziphuthumayo eKenya nge-Mpesa ngo-2023? Ingabe udinga imali esheshayo ukuze ukhokhele isikweletu esiphuthumayo, izindleko zezokwelapha, nanoma yisiphi esinye isimo esingalindelekile? Uma kunjalo, awuwedwa. Abantu abaningi baseKenya babhekana nezimo eziphuthumayo zezezimali nsuku zonke futhi badinga umthombo onokwethenjelwa wemali wokuzixazulula.

Ngenhlanhla, kunezinketho eziningi ezitholakalayo zokubolekwa kwezimo eziphuthumayo e-Kenya nge-Mpesa ngo-2023. Ungafinyelela lezi zimali mboleko ngomakhalekhukhwini wakho, ngaphandle kwesidingo sesibambiso, iziqinisekiso, noma izinqubo ezinde zezicelo. Okudingayo i-akhawunti ye-Mpesa ebhalisiwe, i-ID evumelekile, nomlando omuhle wesikweletu.

Kulesi sihloko, sizobuyekeza ezinye zezikweletu ezingcono kakhulu eziphuthumayo eKenya nge-Mpesa ngo-2023. Futhi sizokunikeza amathiphu okuthi ungayikhetha kanjani imali ebolekiwe efanele izidingo zakho, ungayibuyisela kanjani ngesikhathi, nokuthi ungakugwema kanjani ukuthola. ogibeni lwezikweletu.

Yiziphi Izimalimboleko Eziphuthumayo eKenya nge-Mpesa?

Izimali mboleko eziphuthumayo eKenya nge-Mpesa ziyimali mboleko yesikhashana ongayiboleka kubabolekisi beselula abahlukahlukene usebenzisa i-akhawunti yakho ye-Mpesa. Lezi zimali mboleko zenzelwe ukukusiza ukuthi ubhekane nezidingo zezimali ezingalindelekile ezidinga ukunakwa ngokushesha.

Izimali mboleko eziphuthumayo eKenya nge-Mpesa zivame ukukhishwa kungakapheli imizuzu noma amahora wokufaka isicelo. Ungakwazi ukuboleka imali encane njengo-Ksh 50 noma efinyelela ku-Ksh 1 million, kuye ngomboleki nokufaneleka kwakho. Isikhathi sokukhokha sisukela ezinsukwini ezimbalwa kuye ezinyangeni ezimbalwa, kuye ngenani lemali mboleko kanye nemibandela.

Imali mboleko yezimo eziphuthumayo eKenya nge-Mpesa ilula futhi iyafinyeleleka, kodwa futhi iza namazinga enzalo ephezulu kanye nezimali ezikhokhwayo. Abanye ababolekisi bakhokhisa isilinganiso samaphesenti angu-36 wonyaka (APR) noma ngaphezulu, okusho ukuthi uzokhokha kakhulu kunalokho okubolekile.

Ngakho-ke kubalulekile ukuthi usebenzise lezi zimali mboleko ezimweni eziphuthumayo zangempela hhayi ukusebenzisa imali engenamsebenzi.

Ungasifaka Kanjani Isicelo Semalimboleko Yezimo Eziphuthumayo eKenya nge-Mpesa ngo-2023

Ukufaka isicelo semalimboleko ephuthumayo eKenya nge-Mpesa ngo-2023, uzodinga ukulandela lezi zinyathelo:

1. Landa futhi ufake uhlelo lokusebenza lweselula lombolekisi omthandayo ku-Google Play Isitolo noma Isitolo Sohlelo Lokusebenza. Kungenjalo, ungasebenzisa amakhodi e-USSD noma izinsiza ze-SMS ezihlinzekwa ngababolekisi abathile.
2. Bhalisa futhi udale i-akhawunti usebenzisa inombolo yakho yocingo, inombolo kamazisi, neminye imininingwane yomuntu siqu.
3. Xhumanisa i-akhawunti yakho ye-Mpesa nohlelo lokusebenza futhi ugunyaze umbolekisi ukuthi afinyelele umlando wakho wokwenziwe kanye nesikolo sakho.
4. Cela imali ebolekiwe ngokufaka inani olidingayo kanye nesikhathi sokukhokha.
5. Lindela ukugunyazwa, okungathatha imizuzu embalwa noma amahora kuye ngomboleki kanye nokufaneleka kwakho isikweletu.
6. Thola inani lemalimboleko ngqo ku-akhawunti yakho ye-Mpesa.
7. Khokha imali ebolekiwe ngosuku noma ngaphambi kosuku olunqunyiwe usebenzisa i-akhawunti yakho ye-Mpesa.

Izikweletu Ezingcono Kakhulu Eziphuthumayo eKenya nge-Mpesa ngo-2023

Kukhona ababolekisi abaningi beselula abanikeza imalimboleko yezimo eziphuthumayo e-Kenya nge-Mpesa ngo-2023. Nokho, akubona bonke abanokwethenjelwa, abanokwethenjelwa, noma abathengekayo. Ngakho-ke, udinga ukwenza ucwaningo futhi uqhathanise ababolekisi abahlukene ngaphambi kokukhetha oyedwa.

Nazi ezinye zezikweletu ezingcono kakhulu eziphuthumayo eKenya nge-Mpesa ngo-2023 ongazicabangela:

1). I-KCB Mpesa Loan, imalimboleko ephuthumayo eKenya nge-Mpesa.

I-KCB Mpesa ingenye yemikhiqizo ebolekiswayo yezimo eziphuthumayo ethandwa kakhulu eKenya. Imali mboleko yezimo eziphuthumayo ayivikelekile futhi ingafinyelela ku-Kshs 1,000,000 ngesikhathi sokukhokha esifika enyangeni engu-1.

Ababoleka okokuqala bangathola i-Ksh. Izikweletu eziyi-1,000 nezinye izikweletu eziningi ngaphakathi kwemikhawulo yazo.

Futhi, ngabe sengishilo ukuthi izinga lenzalo yemalimboleko ngu-8.64%?

Ungasifaka kanjani isicelo semalimboleko ye-KCB Mpesa.

1. Iya kumenyu ye-M-PESA
2. Khetha imalimboleko nokonga
3. Khetha i-KCB M-PESA
4. Thepha emalimboleko
5. Thepha emalini yesicelo
6. Faka inani
7. Faka i-PIN ye-M-PESA bese uhambisa.

2). Imalimboleko esheshayo, imalimboleko ephuthumayo eKenya nge-Mpesa.

Imalimboleko esheshayo eKenya eyaziwa nangokuthi { Quickloans.co.ke } yiwebhusayithi eyaziwa kancane kodwa ehlinzeka ngemali mboleko yezimo eziphuthumayo e-Kenya engafika ku-Kshs. 85,000 kubantu abaqashiwe.

Ngokungafani nabangavikelekile imalimboleko enikezwa yi-KCB Mpesa, imalimboleko ye-Quick Loans Kenya idinga ukuthi ubonise ubufakazi bomsebenzi, umemezele zonke ezinye izimali mboleko onazo, futhi uqinisekise ukuthi usunesikhathi esingakanani uqashwe phakathi kwezinye izinto ezihlobene no-HR.

Uma unentshisekelo kulezi zimali mboleko eziphuthumayo, yiya kuwebhusayithi ye-Quick loans Kenya bese uchofoza inkinobho yokufaka isicelo ukuze uqalise.

3). I-Jitegemea, imalimboleko yezimo eziphuthumayo eKenya nge-Mpesa.

Izimali mboleko zakwaJitegemea ziyimalimboleko esetshenziselwa ukuhlunga izimo eziphuthumayo ezingalindelekile njengezikweletu zasesibhedlela, isitoko esiphuthumayo, izindleko zechweba, nanoma iyiphi enye inkokhiso efuna isinyathelo esisheshayo.

Njengazo zonke ezinye imalimboleko kulolu hlu, U-Jetegemea ukhipha zonke izimali mboleko eziphuthumayo nge-Mpesa. Nokho, okokuqala uzodinga ukonga esikimini ukuze uthole ilungelo lokubolekwa imali. Ngokuvamile izikhathi ezi-3 ukonga kwakho.

Amanye amaphakheji emalimboleko adumile ongawathola ku-Jitegemea afaka: -

• Izikweletu zesonto
• Imali mboleko yabathengi
• Imalimboleko yebhizinisi
• Imali mboleko yempahla
• Hitimu loans
• Izikweletu ze-Mazao

Phakathi kwabanye. Ngayinye yazo yakhelwe ukuxazulula isidingo esithile.

Ukuze uqalise ngemalimboleko yakwaJitegemea, yiya ku- Iwebhusayithi esemthethweni bese uchofoza “inkinobho yokufaka isicelo semalimboleko” ukuze uqalise.

4). IGreenland Fedha, imalimboleko yezimo eziphuthumayo eKenya ngeMpesa.

Manje, lena akuyona i-microfinance yakho evamile yemalimboleko ephuthumayo. Futhi akusikhona okwawo wonke umuntu ngaphandle kwabalimi betiye abasafufusa abadinga izinsiza zezimali ezithengekayo.

Nokho, usengakwazi ukubolekwa imali ephuthumayo kungakhathaliseki ukuthi ungumlimi ngokulanda uhlelo lokusebenza lwe-PESA ULIPO nalo oluwumkhiqizo we-GFedha wawo wonke umuntu.

Ukufaka isicelo semalimboleko futhi uyithole nge Mpesa, hamba ku-Playstore bese ulanda uhlelo lokusebenza ukuze uqale inqubo yokufaka isicelo.

Noma, vele uye kuwebhusayithi ye-Gfedha ufake isicelo sazo zonke ezinye izimali mboleko ezinikeziwe okuhlanganisa: -

• Imalimboleko Yentuthuko
• Imalimboleko Ephuthumayo
• I-Working Capital Loans
• Imalimboleko Ekhokhelwayo
• Imalimboleko Yezemfundo
• Izimalimboleko zeSolar Energy
• Izinsizakalo ze-Mobile Banking
• Izinsiza Zebhange Zenhlangano

5). Izimalimboleko eziphuthumayo ze-Muson eKenya nge-Mpesa.

Udinga imalimboleko esheshayo?

I-Musoni Microfinance ingenye yemikhiqizo yemalimboleko yezimo eziphuthumayo ongayilandela ukuze uthole imali ngaphansi kwamahora angama-72.

Uma umusha kulo mkhiqizo, iMusoni Kenya iyisevisi yemalimboleko yezimo eziphuthumayo enikezela ngemalimboleko ephuthumayo efika ku-Kshs 30,000 nesikhathi sokukhokha esifika ezinyangeni eziyi-12.

Izimali mboleko eziphuthumayo azivikelekile futhi ziyakhishwa nge Mpesa.

Kuyathakazelisa ukuthi uMusoni akakhokhisi imali ekhokhwa ngaphambili yokuboleka imali futhi ungafaka isicelo sanoma iyiphi imali mboleko yesimo esiphuthumayo kumaphothifoliyo wabo, okuhlanganisa kodwa kungagcini nje ngemali mboleko yezolimo, imali mboleko yebhizinisi, imali mboleko yemfundo, nokuningi ngokuchofoza inkinobho.

6). I-Senti Loans, imalimboleko ephuthumayo eKenya nge-Mpesa.

Lezi yimalimboleko ephuthumayo yabantu abadinga imali mboleko esheshayo efika ku-Ksh. 40,000 ekhishwe nge-Mpesa.

Ukuze uqalise, hamba ku-Playstore bese ulanda uhlelo lokusebenza lwemalimboleko ye-Senti.

Okulandelayo, faka isicelo semali mboleko.

Linda ukuze uqinisekiswe. Kuthatha imizuzwana embalwa.

Ngemva kokuqinisekisa, isimo sakho esiphuthumayo imalimboleko izovunywa futhi ithunyelwe kwaMpesa.

Kulula kanjalo.

7). I-Jijenge Credit Limited, Imalimboleko Yezimo Eziphuthumayo eKenya Nge-Mpesa.

I-Jijenge Credit iyisikhungo sokuboleka imali esingathathi idiphozithi seMicro Finance esinamakhasimende angaphezu kuka-10,000 eKenya, eSudan, naseTanzania, futhi ihhovisi laso eliyinhloko liseTown House, eNairobi, eKenya.

Ukuze uqalise ngezimali mboleko eziphuthumayo zeJijenge, vele uye kuwebhusayithi yabo bese ufaka isicelo sokubolekwa imali ohlwini olunikeziwe.

8). Abantu Bangempela Imalimboleko Ephuthumayo.

Abantu Bangempela bawumhlinzeki wezixazululo zezezimali ongathathi idiphozithi kumabhizinisi. Iqondise imakethe enkulu enentshisekelo ethile emkhakheni Wamabhizinisi Amancane Naphakathi eKenya.

Uma ufuna imali ebolekiwe yezimo eziphuthumayo enezinhlelo zokukhokha eziguquguqukayo ezifika ezinyangeni eziyi-12, imali mboleko yezimo eziphuthumayo yabantu bangempela kufanelekile ukuyihlola.

Ukuze uqalise, yiya ku-Playstore bese ulanda uhlelo lokusebenza.

9). I-Eclof Kenya, Imalimboleko Yezimo Eziphuthumayo eKenya nge-Mpesa.

I-ECLOF Kenya ingesinye Isikhungo Semali Encane esihlinzeka ngezezimali kanye nezinkonzo ezihlobene Okungezona ezezezimali emiphakathini esengozini esengozini yezomnotho kuyo yonke imikhakha yezomnotho.

Inkundla ithandwa kakhulu ngemali mboleko yezimo eziphuthumayo njengoba i-KCB-Mpesa injalo kodwa ihlinzeka ngeminikelo yemalimboleko eyengeziwe.

Uma ungathanda ukuhlola i-Eclof, vakashela iwebhusayithi yabo bese wenza isicelo sakho.

10). I-Mwananchi Credit Emergency Loans Kenya

Yebo, asikwazi ukuqedela lolu hlu lwezimo eziphuthumayo imali mboleko eKenya ngeMpesa ngaphandle kokubalula i-Mwananchi Credit.

I-Mwananchi ingenye yemikhiqizo ebolekiwe yezimo eziphuthumayo ethandwa kakhulu eKenya enedumela eliqinile lokuhlinzeka ngemalimboleko yezimo eziphuthumayo kubantu baseKenya lapho beyidinga kakhulu.

Iya kuwebhusayithi ye-Mwananchi credit ukuze uthole okwengeziwe mayelana nezaphulelo zabo.

Amathiphu okuthi Ungayikhetha Kanjani Imalimboleko Efanele Yezimo Eziphuthumayo eKenya nge-Mpesa ngo-2023

Ngaphambi kokufaka isicelo sanoma iyiphi imali ebolekiwe ephuthumayo eKenya nge-Mpesa ngo-2023, kufanele ucabangele lezi zinto ezilandelayo:

• Inani olidingayo: Kufanele uboleke kuphela lokho okudingayo kanye nalokho ongakwazi ukukukhokhela.

Ukuboleka okungaphezu kwalokho okudingayo kuzokwandisa inzalo nezindleko zakho, futhi kungase kuholele ekubeni nezikweletu ngokweqile.

• Isikhathi sokukhokha: Kufanele ukhethe isikhathi sokukhokha esifanelana nokugeleza kwemali kanye nesabelomali sakho.

Isikhathi esifushane sokukhokha sizonciphisa inzalo nezindleko zakho, kodwa futhi sizokwandisa izitolimende zakho zanyanga zonke.

Isikhathi eside sokukhokha sizokwehlisa izitolimende zakho zanyanga zonke, kodwa futhi sizokwandisa inzalo yakho kanye nezimali ezikhokhwayo.

• Izinga lenzalo nezinkokhelo: Kufanele uqhathanise ababolekisi abahlukene bese ukhetha leyo enikeza inani lenzalo eliphansi kakhulu nezinkokhelo.

Kufanele futhi uhlole noma yiziphi izinkokhiso ezifihliwe noma izinhlawulo ezingase zisebenze uma kwenzeka ukukhokha sekwephuzile noma ukwehluleka.

• Indlela yokufaneleka: Kufanele uhlole izidingo ezincane umbolekisi ngamunye anazo kubabolekayo.

Abanye ababolekisi bangase badinge ukuthi ube nezinga elithile lemali engenayo, amaphuzu esikweletu, noma umlando wokwenziwe. Abanye ababolekisi bangase futhi bakwenqabe uma unezikweletu ezikhona noma amarekhodi amabi nabanye ababolekisi.

• Insizakalo yekhasimende: Kufanele ukhethe umbolekisi onethimba lesevisi yamakhasimende elisabelayo neliwusizo. Kufanele ukwazi ukuxhumana nabo kalula ngefoni, i-imeyili, noma inkundla yezokuxhumana.

Kufanele futhi uhlole ukubuyekezwa kwabo nezilinganiso ezivela kwamanye amakhasimende ukuze ubone ukuthi azisingatha kanjani izikhalazo nemibuzo.

Amathiphu okuthi Ungayibuyisela Kanjani Imalimboleko Yakho Yezimo Eziphuthumayo eKenya nge-Mpesa ngesikhathi

Ukubuyisela imali oyibolekile eKenya nge-Mpesa ngesikhathi kubaluleke kakhulu empilweni yakho yezezimali kanye nesikolo sakho.

Uma wehluleka ukukhokha imali oyibolekile ngesikhathi, ungase ubhekane nemiphumela elandelayo:

• Uzongena izindleko ezengeziwe nezijeziso lokho kuzokwengeza umthwalo wakho wesikweletu.
• Umphumela wekhredithi owonakele: uzolimaza amaphuzu akho esikweletu kanye nesithunzi sakho nombolekisi nezinye izikhungo zezezimali.
• Uzokwenza kanjalo nciphisa amathuba akho okuthola enye imalimboleko esikhathini esizayo noma ukuthola imigomo namazinga angcono.
• Uzoba sengcupheni yokufakwa ohlwini yi-Credit Reference Bureau (CRB) njengomuntu ongakhokhi, okungase kuthinte ukufinyelela kwakho kwezinye izinsiza zezezimali.

Ukuze ugweme le miphumela, kufanele ulandele lawa macebiso okuthi ungayibuyisela kanjani imali oyibolekile eKenya nge-Mpesa ngesikhathi:

• Hlela phambili: Kufanele ube nohlelo olucacile lokuthi uzoyisebenzisa kanjani imali oyibolekile nokuthi uzoyibuyisela kanjani.

Kufanele udale ibhajethi ehlanganisa imali engenayo nezindleko zakho, futhi ubeke imali ethile yokukhokha imali oyibolekile nyanga zonke.

• Khokha kusenesikhathi: Kufanele ukhokhe imalimboleko yakho ngokushesha okukhulu, okungcono ngaphambi kosuku olunqunyiwe.

Lokhu kuzokusiza ukuthi ugweme izindleko zokukhokha sekwephuzile nezijeziso, futhi futhi ukonge ezinye izindleko zenzalo.

• Khokha ngaphezulu: Kufanele ukhokhe ngaphezu kwenani elincane elidingekayo nyanga zonke uma ukwazi ukukukhokhela.

Lokhu kuzokusiza ukuthi wehlise ibhalansi yakho eyinhloko ngokushesha futhi wehlise izinkokhiso zakho zenzalo.

• Khokha njalo: Kufanele ukhokhe imalimboleko yakho njalo ngenyanga ngaphandle kokweqa noma ukubambezeleka noma yiziphi izinkokhelo. Lokhu kuzokusiza ukuthi ugcine umlando omuhle wokukhokha futhi uthuthukise isikolo sakho sesikweletu.
• Khokha ngekhompyutha: Kufanele ukhokhe imali mboleko yakho usebenzisa i-akhawunti yakho ye-Mpesa nanoma iyiphi enye indlela ye-elekthronikhi eyamukelwa ngumbolekisi. Lokhu kuzokusiza ukuthi ugweme izimali zokuphatha imali futhi uqinisekise ukuthengiselana okusheshayo nokuphephile.

Isiphetho.

Kunenqwaba yemikhiqizo ebolekiwe yezimo eziphuthumayo eKenya ongayilandela ukuze uthole imali ngaphansi kwamahora angama-72.

Imali mboleko yezimo eziphuthumayo ngayinye inemigomo nemibandela yayo, ngakho-ke qiniseka ukuthi ufunda imibhalo emihle ngaphambi kokubhalisela noma yimuphi umkhiqizo.

Futhi khumbula, hlala ukhokha imali ebolekiwe ephuthumayo ngesikhathi ukuze ugweme ukulimaza isikolo sakho sesikweletu futhi wandise amathuba akho okuboleka okwengeziwe.

Umakwe Nge: ngingathola imali mboleko ephuthumayo • ungakwazi ukubolekwa imali uma ungasebenzi • ingabe amabhange anika imalimboleko ephuthumayo • izinhlelo zokusebenza zokubolekwa eziphuthumayo e-kenya • izinhlelo zokusebenza zokubolekwa eziphuthumayo e-kenya • izikweletu eziphuthumayo zezisebenzi zikahulumeni eKenya • imalimboleko yezimo eziphuthumayo e-kenya nge-mpesa 2021 • imalimboleko yezimo eziphuthumayo e-kenya nge-mpesa 2022 • Imalimboleko yezimo eziphuthumayo i-kenya Ltd • Imalimboleko yezimo eziphuthumayo i-kenya Ltd nairobi • imali mboleko yeselula ephuthumayo e-kenya • imali mboleko ye-inthanethi ephuthumayo e-kenya • indlela yokuboleka imali yezimo eziphuthumayo • indlela yokuthola imali ebolekiwe ephuthumayo ngaphandle kwekhredithi • indlela yokuthola imali ebolekiwe ephuthumayo ngaphandle komsebenzi • uyithola kanjani imali mboleko ephuthumayo e-kenya • izikweletu eziphuthumayo eziphuthumayo e-kenya • imali ebolekiwe esheshayo e-kenya • ngingaboleka kuphi imali yezimo eziphuthumayo • ngingayithola kuphi imali mboleko eKenya • ngingayithola kuphi imalimboleko ngokushesha e-kenya • iluphi uhlelo lokusebenza olunikeza imalimboleko ngokushesha e-kenya • iliphi ibhange elinikeza imalimboleko kalula e-kenya