Izinhlelo zokusebenza zokubolekwa kweselula e-Kenya 2023: Umhlahlandlela Wokugcina

Ingabe ufuna indlela esheshayo nelula yokufinyelela isikweletu eKenya? Uyafuna ukwazi ukuthi yiziphi izinhlelo zokusebenza ezingcono kakhulu zemalimboleko yeselula eKenya 2023 ezingakunikeza imali mboleko esheshayo ngaphandle kwesibambiso noma ukuphepha? Uma kunjalo, usendaweni efanele.

Kulesi sihloko, ngizokunikeza umhlahlandlela ophelele wezinhlelo zokusebenza ezingcono kakhulu zokubolekwa kweselula eKenya 2023 ongazisebenzisa ukuze uthole imali mboleko noma nini, noma kuphi.

Ngizophinde ngiqhathanise izici zabo, izilinganiso zenzalo, imikhawulo yemalimboleko, izikhathi zokukhokha, nezibuyekezo zekhasimende ukuze ngikusize wenze isinqumo unolwazi.

Kepha ngaphambi kokuthi singene emininingwaneni, ake ngiqale ngichaze ukuthi yiziphi izinhlelo zokusebenza zokubolekwa kweselula nokuthi kungani zidume kangaka eKenya.

Yiziphi Izinhlelo Zokusebenza Zemalimboleko Yeselula?

Izinhlelo zokusebenza zokubolekwa kweselula ziyizicelo ongazilanda ku-smartphone yakho futhi uzisebenzise ukufaka isicelo semalimboleko ku-inthanethi. Baziwa nangokuthi ababolekisi bedijithali noma ababolekisi be-fintech ngoba basebenzisa ubuchwepheshe ukuhlinzeka ngezinsizakalo zezezimali.

Izinhlelo zokusebenza zokubolekwa kweselula ziguqule imboni yokubolekisa eKenya ngokunikeza ukufinyelela okusheshayo nokulula kusikweletu.

Ngokungafani namabhange endabuko, izinhlelo zokusebenza zemalimboleko yeselula azidingi ukuthi ugcwalise amafomu amade, unikeze isibambiso, noma ube nomlando omuhle wesikweletu. Okudingayo nje i-akhawunti yemali yeselula ebhalisiwe efana ne-M-Pesa noma i-Airtel Money kanye nomazisi kazwelonke osebenzayo.

a). Yiziphi izinhlelo zokusebenza zemalimboleko eKenya ezicatshangelwayo ngaphambi kokuthi zikuboleke imali

Izinhlelo zokusebenza zokubolekwa kweselula zisebenzisa imithombo yedatha eyahlukahlukene efana nokusebenzisa ifoni yakho, umsebenzi wenkundla yezokuxhumana, imibiko ye-credit bureau (CRB) kanye neminye imithombo yezinkampani zangaphandle ukuhlola ukufaneleka kwakho isikweletu nokunquma umkhawulo wakho wemalimboleko kanye nezinga lenzalo.

Uma uboleka futhi ubuyisela ngesikhathi, kulapho umkhawulo wakho wemalimboleko ukhuphuka futhi unciphisa izinga lakho lenzalo.

b). Izinhlelo zokusebenza zokubolekwa kweselula zikhokha kanjani imali mboleko eKenya.

Izinhlelo zokusebenza zokubolekwa kweselula zikhokha imali mboleko ngqo ku-akhawunti yakho yemali yeselula phakathi nemizuzu yokugunyazwa.

Ungasebenzisa imali nganoma iyiphi injongo njengokukhokha izikweletu, ukuthenga igrosa, ukuqala ibhizinisi, noma ukubhekana nezimo eziphuthumayo.

Ungakwazi futhi ukukhokha imali ebolekiwe usebenzisa i-akhawunti yakho yemali yeselula ngaphambi kosuku olunqunyiwe ukuze ugweme izinhlawulo futhi uthuthukise isikolo sakho sesikweletu.

Kungani Izinhlelo Zokusebenza Zemalimboleko Yeselula Zidumile eKenya?

Izinhlelo zokusebenza zemalimboleko yeselula sezidume kakhulu eKenya ngezizathu ezimbalwa. Ezinye zazo yilezi:

• Zifinyeleleka kalula.

Yebo, ungalanda futhi ufake uhlelo lokusebenza lwemalimboleko yeselula ku-smartphone yakho kungakapheli imizuzu embalwa bese uqala ukufaka isicelo semalimboleko noma nini, noma kuphi.

Awudingi ukuvakashela igatsha elingokoqobo, umugqa amahora, noma ulinde izinsuku ukuze ugunyazwe.

• Bayavumelana nezimo.

ababoleki bangakhetha ezinhlelweni zokusebenza ezihlukene zemalimboleko yeselula ezinikeza amanani emalimboleko ahlukene, izilinganiso zenzalo, izikhathi zokukhokha, nemigomo nemibandela.

Ungaphinda uqhathanise okunikezwayo okuhlukile bese ukhetha leyo ehambisana nezidingo zakho nokuncamelayo.

• Ziyakwazi ukuthengeka.

Iningi lezinhlelo zokusebenza zokubolekwa kweselula zikhokhisa inzalo ephansi kunamabhange endabuko kanye nabanye ababolekisi abangekho emthethweni abafana nama-shylocks noma ama-Chamas.

Abanye baze banikeze nokubolekwa imali engenanzalo noma izaphulelo kumakhasimende athembekile. Akudingekile futhi ukuthi ukhokhe noma yiziphi izindleko zesicelo, izindleko zokucubungula, noma izindleko ezifihliwe.

• Asobala.

Izinhlelo zokusebenza zokubolekwa kweselula zidalula lonke ulwazi mayelana nemalimboleko yazo njengesamba sezindleko zesikweletu, isilinganiso samaphesenti onyaka (APR), izinkokhelo zokukhokha sekwephuzile, kanye nezinkokhelo zokuyibuyisela emuva ngaphambi kokuthi wamukele okunikezwayo.

Ungakwazi futhi ukufinyelela umlando wakho wemalimboleko, ibhalansi, nohlelo lokukhokha kuhlelo lokusebenza noma nini.

• Baphephile.

Izinhlelo zokusebenza zokubolekwa kweselula zisebenzisa ukubethela nezinye izinyathelo zokuphepha ukuze zivikele idatha yakho yomuntu siqu neyezezimali ekufinyeleleni okungagunyaziwe noma ukusetshenziswa kabi.

Futhi zithobelana nemithetho yeBhange Elikhulu LaseKenya (CBK) kanye Nomthetho Wokuvikelwa Kwedatha 2019 ukuze kuqinisekiswe ukuthi amalungelo akho njengomboleki ayahlonishwa.

Ungalukhetha Kanjani Uhlelo Lokusebenza Lwemalimboleko Yeselula Engcono Kakhulu eKenya 2023

Njengoba kunezinhlelo zokusebenza eziningi zokubolekwa kweselula ezitholakala eKenya ngo-2023, ungakukhethela kanjani okungcono kakhulu? Nazi ezinye izinto okufanele uzicabangele ngaphambi kokufaka isicelo semali mboleko yeselula:

• Inani lemalimboleko.

Udinga imali engakanani?

Izinhlelo zokusebenza ezihlukene zemalimboleko yeselula zinemikhawulo ehlukene yemalimboleko ephansi nephezulu kuye ngemibandela yazo kanye nezinqubomgomo.

Kufanele ukhethe uhlelo lokusebenza lwemalimboleko yeselula olungakunikeza imali eyanele ukuze uhlangabezane nezidingo zakho ngaphandle kokuboleka kakhulu noma okuncane kakhulu.

• Izinga lenzalo. Uzokhokha malini ngesikweletu?

Futhi, izinhlelo zokusebenza ezihlukene zemalimboleko yeselula zinezilinganiso zenzalo ezihlukile ngokuya ngokuhlolwa kwazo kobungozi kanye nezimo zemakethe.

Cabangela ukukhetha uhlelo lokusebenza lwemalimboleko yeselula olukhokhisa inzalo ephusile ongakwazi ukuyikhokha ngaphandle kokucindezela ibhajethi yakho.

• Isikhathi sokukhokha.

Kuzothatha isikhathi esingakanani ukukhokha imali ebolekiwe?

Izinhlelo zokusebenza zemalimboleko yeselula zinezikhathi ezihlukene zokukhokha ezisukela ezinsukwini ezimbalwa kuye ezinyangeni ezimbalwa kuye ngemigomo nemibandela yazo.

Iseluleko sami, khetha uhlelo lokusebenza lokubolekwa kweselula olukunikeza isikhathi esanele sokubuyisela imali oyibolekile ngaphandle kokuyelula kakhulu noma kancane kakhulu.

• Ikhasimende libuyekeza. Bathini abanye ababoleki mayelana nohlelo lokusebenza lwemali mboleko yeselula?

Kufanele ufunde ukubuyekezwa kwekhasimende kwezinhlelo zokusebenza ezihlukene zemalimboleko yeselula ku-Google Play Isitolo, Isitolo Sohlelo Lokusebenza, izinkundla zokuxhumana, amabhulogi, izinkundla, neminye imithombo ye-inthanethi.

Kufanele ukhethe uhlelo lokusebenza lwemalimboleko yeselula elinempendulo eyakhayo evela kumakhasimende anelisekile ancoma ikhwalithi yalo yesevisi, ukwethembeka, nobungcweti.

Izinhlelo zokusebenza ezihamba phambili zokubolekwa kweselula eKenya 2023

Ngokusekelwe ezicini ezingenhla, ngihlanganise uhlu lwezinhlelo zokusebenza ezingcono kakhulu zokubolekwa kweselula eKenya ngo-2023 ongazisebenzisa ukuze uthole imali mboleko esheshayo ngaphandle kwesibambiso noma ukuphepha. Nazi:

I-1. Igatsha

Yegatsha ingenye ethandwa kakhulu futhi ethenjwayo izinhlelo zokusebenza zokubolekwa kweselula eKenya e 2023.

Inikeza imali mboleko esukela ku-Ksh 250 kuya ku-Ksh 300,000 enamazinga enzalo ahlukahlukene ngokuya ngenani lemalimboleko nesikhathi osikhethayo sokukhokha.

Isikhathi sokukhokha singamaviki angu-4-52 kuye ngenani lemali ebolekiwe kanye nemvamisa. Ungakwazi futhi ukuthola amabhonasi nezaphulelo ngokuthumela abangani, ukubuyisela ngesikhathi, kanye nokuthatha imali mboleko eminingi.

Uhlelo lokusebenza lwemalimboleko yegatsha kulula ukulisebenzisa futhi luyashesha ukugunyaza.

Ungalanda uhlelo lokusebenza ku-Google Play Isitolo noma Isitolo Sohlelo Lokusebenza bese ubhalisa ngenombolo yakho yocingo kanye ne-ID kazwelonke.

Ungabe usufaka isicelo sokubolekwa imali futhi ukuthole kungakapheli amaminithi uma kuvunyiwe.

Lapho isikhathi sokukhokha sifika, sebenzisa inombolo ye-M-Pesa Paybill 998608 ukuze ukhokhe imali oyibolekile.

Kuze kube manje igatsha linokulanda okungaphezulu kwezigidi ezingu-10 kanye nesilinganiso sezinkanyezi ezingu-4.5 ku-Google Play Store.

Iphinde yathola ukubuyekezwa okuhle okuvela kumakhasimende athokozela ukusebenziseka kwayo, ukuguquguquka, kanye nenkonzo yamakhasimende.

I-2. Tala

Tala ngolunye uhlelo lokusebenza oluhamba phambili lwemalimboleko yeselula eKenya 2023 olunikeza imali mboleko esukela ku-Ksh 2,000 kuya ku-Ksh 30,000 ngamanani enzalo ka-11-15% yenani lemalimboleko.

Isikhathi sokukhokha siyizinsuku ezingama-21-30 kuye ngenani lemalimboleko kanye nemvamisa. Ungakwazi futhi ukuthola amabhonasi nezaphulelo ngokuthumela abangani, ukubuyisela ngesikhathi, kanye nokuthatha imali mboleko eminingi.

I-Tala ilula ukuyisebenzisa futhi iyashesha ekugunyazweni kwemali mboleko.

Ungalanda uhlelo lokusebenza ku-Google Play Isitolo noma Isitolo Sohlelo Lokusebenza bese ubhalisa ngenombolo yakho yocingo kanye ne-ID kazwelonke.

Ukuze usebenzise ukukhokha imali mboleko ye-Tala Inombolo ye-M-Pesa Paybill 851900.

I-Tala inokulandwa okungaphezu kwezigidi ezingu-5 kanye nesilinganiso sezinkanyezi ezingu-4.6 ku-Google Play Isitolo.

I-3. Timiza

I-Timiza iwuhlelo lokusebenza lwemalimboleko yeselula oluvela kwa-Absa Bank Kenya Plc olunikeza imali mboleko esukela ku-Ksh 50 kuya ku-Ksh 150,000 enenani lenzalo elingu-1.17% yenani lemalimboleko ngenyanga.

Isikhathi sokukhokha siyizinsuku ezingama-30 kungakhathaliseki inani lemali ebolekiwe kanye nemvamisa.

Ngohlelo lokusebenza lwemalimboleko ye-Timiza, ungakwazi futhi ukufinyelela ezinye izinsiza zebhange ezifana nokonga, ukukhokha izikweletu, ukuthenga ngesikhathi somoya, umshwalense, nokutshalwa kwezimali.

Njengoba iwuhlelo lokusebenza lwemalimboleko ngebhange elikhona, i-Timiza igunyaza imali mboleko ngokushesha.

Landa uhlelo lokusebenza lwe-Timiza ku-Google Play Isitolo noma i-App Store bese ubhalisa ngenombolo yakho yocingo kanye ne-ID kazwelonke.

Inombolo ye-Timiza M-Pesa Paybill 300067 futhi inokulandwa okungaphezu kwesigidi esi-1 kanye nesilinganiso sezinkanyezi ezi-4 ku-Google Play Isitolo.

4. M-Shwari

I-M-Shwari iwuhlelo lokusebenza lwemalimboleko yeselula oluvela kuSafaricom Plc olunikeza imalimboleko esukela ku-Ksh 100 kuya ku-Ksh 50,000 enamazinga enzalo angu-7.5-9% yenani lemalimboleko ngenyanga.

Njengeningi lezinhlelo zokusebenza zemalimboleko kulolu hlu, isikhathi sokukhokha sika-Mshwari siyizinsuku ezingu-30 kungakhathaliseki inani lemali ebolekiwe kanye nemvamisa.

Ngohlelo lokusebenza lwemalimboleko yakwaMshwari, ungakwazi futhi ukufinyelela kwezinye izinsiza ezifana nokonga, imali engaphezulu kwe-ovadrafti, ama-akhawunti okonga okhiye, nama-akhawunti ediphozithi agxilile.

I-M-Shwari ilula ukuyisebenzisa futhi iyashesha ukugunyaza imali ebolekiwe.

Ungafinyelela uhlelo lokusebenza ngemenyu yakho ye-M-Pesa ocingweni lwakho ngokukhetha inketho ethi Izikweletu Nezokonga.

Hlola umkhawulo wakho wemalimboleko yakwaMshwari, faka isicelo sokubolekwa imali, futhi uyithole emizuzwini embalwa uma ivunyiwe.

5. Zenka

I-Zenka iwuhlelo lokusebenza lwemalimboleko yeselula olunikeza imalimboleko esukela ku-Ksh 500 kuya ku-Ksh 30,000 ngenani lephesenti lonyaka (APR)  9 - 39%, kuye ngosayizi wemalimboleko.

Isikhathi sokukhokha siyizinsuku ezingama-61 kuye ngenani lemali ebolekiwe kanye nemvamisa. Futhi unenzuzo yamabhonasi nezaphulelo zokudlulisela abangani, ukubuyisela ngesikhathi, kanye nokuthatha imali mboleko eminingi.

Landa uhlelo lokusebenza kusuka ku-Google Play Isitolo noma Isitolo Sohlelo Lokusebenza bese ubhalisa ngenombolo yakho yocingo kanye ne-ID kazwelonke.

6. Pesa Plus

I-Pesa plus iwuhlelo lokusebenza lweselula olunikezela ngemalimboleko esheshayo nelula kubantu baseKenya.

Ungakwazi ukuboleka kuze kufike ku-Ksh 50,000 ngesikhathi sokukhokha esifika ezinsukwini eziyi-180.

Udinga ukuba ne-akhawunti esebenzayo ye-M-Pesa kanye ne-ID evumelekile ukuze ufake isicelo. Izinga lenzalo lisukela ku-12% liye ku-36% ngonyaka kuye ngenani lemalimboleko yakho kanye nobude besikhathi.

7. I-Berry Loan App

I-Berry-Simple Swift Loan iwuhlelo lokusebenza lokonga imali encane kanye nekhredithi encane enikezela ngemali mboleko ebiza kancane eneshejuli yokukhokha eguquguqukayo.

Ungakwazi ukuboleka kusuka ku-Ksh 500 kuya ku-Ksh 50,000 ngesikhathi sokukhokha esifika ezinsukwini ezingu-365.

Udinga ukuba nefoni ye-Android, i-akhawunti ye-M-Pesa, kanye nomlando omuhle wesikweletu ukuze ufake isicelo.

8). ISaida Loan App

ISaida Mobile Loan App iwuhlelo lokusebenza olusiza abantu ukuthi bathole ukugunyazwa ukubolekwa imali yesikhashana ngokusekelwe emsebenzini wabo kumafoni abo.

Ungakwazi ukuboleka kusuka ku-Ksh 600 kuya ku-Ksh 25,000 ngesikhathi sokukhokha esifika ezinsukwini ezingu-90.

Sebenzisa ifoni ye-Android noma ikhodi ye-USSD ukuze ufinyelele imali ebolekiwe.

Uzodingeka futhi ukuthi ube ne-akhawunti ye-M-Pesa, kanye nekhredithi enhle ongayifaka isicelo.

Izinga lenzalo lisuka ku-7.5% liye ku-22% ngenyanga kuye ngenani lemalimboleko yakho kanye nobude besikhathi.

9. Imalimboleko ye-Opalquick

I-Opalquick Loan iyindlela esheshayo nethembekile yokufinyelela intuthuko yezikweletu ngohlelo lwakho lokusebenza lweselula noma nini.

Ungakwazi ukuboleka kusuka ku-Ksh 1,500 kuya ku-Ksh 40,000 ngesikhathi sokukhokha esifika ezinsukwini ezingu-180.

Isiphetho

Lezi ezinye zezinhlelo zokusebenza ezihamba phambili zokubolekwa kweselula eKenya 2023 ongazisebenzisa ukuze uthole imali mboleko esheshayo ngaphandle kwesibambiso noma ukuphepha.

Kodwa-ke, kufanele uhlale uqaphela lapho uboleka imali ku-inthanethi futhi usebenzise kuphela izinhlelo zokusebenza zokubolekwa kweselula ezihloniphekile nezinelayisense ezithobela imithetho ye-CBK kanye noMthetho Wokuvikela Abathengi 2019.

Kufanele futhi uboleke ngokuzibophezela futhi uthathe kuphela lokho okudingayo futhi ukwazi ukukhokha ngesikhathi. Uma kungenjalo, ungase uzithole usogibeni lwezikweletu noma ulimaze amaphuzu akho esikweletu.

Ngithemba ukuthi lesi sihloko sibe usizo kuwe. Uma unemibuzo noma ukuphawula, sicela ukhululeke ukwabelana nami. Siyabonga ngokufunda nokuboleka okujabulisayo! 😊