Ungayiqala Kanjani Ibhizinisi Lamaselula Elingamela Imali Nezamabhange eKenya.

Amadiphozithi eselula namabhange kanye nokuhoxiswa kwawo sekuyingxenye yempilo yansuku zonke cishe yawo wonke amaKenya. Kuthiwani uma ngingaqala i-ejensi yemali ephathwayo kanye nebhange? Uyabuza.

kahle, Abantu bahlale befaka imali kuma-akhawunti abo e-M-PESA, Airtel Money, Telkom Kash, Equity Bank, Co-operative Bank, kanye nama-akhawunti e-KCB, phakathi kwezinye izikhwama zamaselula.

Ngokwesilinganiso esilinganayo, abanye bahlala bekhipha imali abasanda kuyithola kulawo ma-akhawunti.

Ngabe lokho kuzwakala ngandlela thize sengathi imali nokukhishwa kwemali yasebhange nokuhoxa kuyashabalala nganoma yisiphi isikhathi maduze?

Cha!

Imiphumela ye-ejenti

Okuthakazelisa kukho konke ukuthi lezo mali ezifakwayo kanye nokuhoxiswa kwazo kwenziwa ngama-ejensi e-Mobile Money kanye namaBhange aqhuba lezo zimali nsuku zonke.

Umenzeli uza ngegebe ukuhlinzeka indawo yokufaka nokukhipha imali bese ebuyisa, bathola amakhomishini kuyo yomibili imisebenzi.

Manje njengoba usuyazi ukuthi i-ejenti izothola amakhomishini wokulamula amadiphozi nokuhoxiswa okuphathelene neMali Yeselula neyeBhange. Awukwazi yini ukuba yilowo msebenzi futhi ungene kulawo makhomishini amangalisayo ebhizinisini le-Mobile Money and Banking Agency?

Kuyathakazelisa ukuthi ibhizinisi lebhange lebhizinisi kungenye yamabhizinisi azuza kakhulu eKenya ngo-2024.

Yini okufanele uyicabangele lapho uqala i-Mobile Money and Banking Agency eKenya

Wendawo.

Ungathola ibhizinisi lakho Lemali Yeselula kanye Nomenzeli Webhange eduze nomgwaqo ophithizelayo noma ekhoneni lamasu lapho abantu behlala bedlula futhi bebona bekude.

Ngaleyo ndlela, uzoheha abadlulayo kanye nabantu abavela kude ngokufana.

a. I-M-PESA kanye Nezidingo Zomenzeli Wasebhange.

I-M-PESA iyinethiwekhi enenzuzo kakhulu neqinile yamaselula ye-Mobile.

Yazi ukuthi kunezinhlobo ezimbili zezitolo ze-M-PESA. Nquma ukuthi yikuphi kulokhu kokuqala okufanele ubheke izidingo zabo ngezansi.

• Ukukhishwa okujwayelekile.
• Izitolo ezithengisayo.

Ukukhishwa okujwayelekile:-

Okokuqala, ukuqala,

1. Iba nenkampani ebhalisiwe ekhawulelwe ebhizinisini okungenani izinyanga eziyi-6.
2. Okungenani izitolo ezi-3 sezikulungele ukunikeza izinsiza ze-M-PESA.
3. Iba nokutshala imali okuncane kwe-Ksh.100,000 ngokuthenga kwama-float.
4. Nikeza i-Safaricom ngezimvume zebhizinisi zokukhishwa ngakunye kwe-M-PESA.
5. Thumela i-Safaricom isitifiketi sakho se-VAT nezintela.
6. Nikeza i-Safaricom nelayisense ye-Banking evela esikhungweni sezimali esidumile
7. Gcwalisa ifomu lesicelo sehhovisi elikhulu le-M-PESA Agent.
8. Gcwalisa ifomu lesicelo sesitolo somenzeli we-M-PESA.

IFomu Lezicelo LikaNdlunkulu Ifomu lesicelo seHhovisi likaNdlunkulu laseMpesa

Okwesibili, ngemva kokuhambisa amafomu akho, wahlangabezana nazo zonke izidingo, futhi wanikezwa nenombolo ye-Agent;

1. Faka uphawu ku-M-PESA yakho esitolo ngemuva kokulandela umthetho olandelwayo weS Safaricom.
2. Nquma ukuthi uzosebenzisa yini wena uqobo noma usebenzise umuntu onokwethenjelwa futhi onekhono.

Okwesithathu, izindima zakho zizoba;

1. Ukuhoxiswa kwenqubo kwabasebenzisi ababhalisiwe be-M-PESA.
2. Faka imali kuma-akhawunti wabasebenzisi be-M-PES ababhalisiwe.
3. Bhalisa abasebenzisi abasha be-M-PESA.
4. Landela izinqubo zebhizinisi zeSafaricom.

Izitolo ezithengisayo:-

2. Sebenza ngaphansi kwe-ejenti enelayisense ye-M-PESA ngu;
   • Ukuthenga umugqa wabo we-M-PESA.
   • Ukubakhokhela ikhomishini yokusebenzisa imigqa yabo.
3. Yiba nokutshala imali okuncane kwe-Ksh.20,000 - Ksh.40,000.
4. Yenza izindima ezifana nalezo okuphuma kuzo okusebenza ngaphansi kwazo.

b. Izidingo Zomenzeli Webhange Lezimali.

Okokuqala, ukuze ube yi-ejenti ye-Equity, udinga okulandelayo:

1. Ibhizinisi elivele lisebenze ngempumelelo endaweni eyodwa okungenani izinyanga eziyi-12.
2. Izimvume zebhizinisi ezisebenzayo zebhizinisi.
3. Indawo yebhizinisi yamasu efinyelelekayo, ebonakalayo, futhi evikelekile.
4. Idumela elihle nokuziphatha okuphezulu.
5. Indawo enhle yokufinyelela nokubamba.
6. Incazelo emfushane yomsebenzi wokuhweba wezinyanga eziyi-12 ezidlule.
7. Izitatimende zamanje zebhange ezinyangeni eziyisithupha ezedlule.

Okwesibili, ngemuva kokuba usuthole lowo mngcele:

1. Gcwalisa bese uthumela I-Agency Banking ifomu lesicelo ku-Equity Bank.
2. Fakela ifomu lakho lesicelo eligcwalisiwe nelisayiniwe kanye nemibhalo elandelayo:

Izidingo zeEquity Bank Agency

• Umazisi kazwelonke kanye namakhophi wom(aba)fakisicelo oyinhloko ku-Equity Bank.
• Isitifiketi sokuziphatha kahle kwa-Equity Bank.
• Incazelo emfushane yomsebenzi wokuhweba wezinyanga eziyi-12 ezedlule (iphrofayili yebhizinisi).
• Izitatimende zebhange kanye / noma zemalimboleko ezivela kunoma yisiphi isikhungo ezinyangeni eziyi-12 ezedlule.
• Amakhophi amathathu (3) esivumelwano sokusayinwa Sokusebenza Kwamalungelo E-Equity Agent sokuhambisana nesicelo.
• Ikhophi lesitifiketi sokufaka noma isitifiketi sokubhaliswa kwegama lebhizinisi njengoba kusebenza.
• Imibhalo kanye nememorandamu yetayitela lobambiswano / lobambiswano lapho kusebenza khona.
• Ukulungiswa kwebhodi (kusebenza ezinkampanini kanye nakubambiswano).
• Ilayisense lebhizinisi elivumelekile noma imvume yanoma yimuphi umsebenzi wokuhweba osemthethweni owenziwa yibhizinisi.
• Amarekhodi ezimali acwaningiwe ezinyangeni eziyi-12 ezedlule.
• Imephu Sketch yebhizinisi nendawo yasekhaya.
• Umbiko Wezikhombo Wezezikweletu (CRB).
• Izithombe ezimbili ezinosayizi wephasipoti zawo wonke umfakisicelo.
• Ikharikhulamu vitae (CV) yabo bonke abafaka isicelo.

Okwesithathu, faka izithombe ezintathu ezinemibala zokuphuma kwebhizinisi okukhombisa:

• Ukubuka okungaphakathi kwezakhiwo kusuka emnyango.
• Ukubuka okungaphakathi kubonisa amasheya.
• Ukubuka ngaphandle - amamitha ayi-15 ukusuka emnyango obonisa izakhiwo eziseduze.

c. Izidingo zomenzeli webhange le-KCB.

Yilokhu okudingekayo ukuze ube yi-ejenti: -

1. Iba ne-akhawunti yasebhange ne-KCB.
2. Izithombe ezimbili ezinosayizi wephasipoti ezinombala.
3. Isitifiketi sephinikhodi.
4. Umazisi
5. Isitifiketi esivumelekile sokuziphatha okuhle.
6. Ilayisense yebhizinisi.
7. Ibhizinisi elikhona kumele ngabe lisebenze okungenani izinyanga eziyi-12.
8. Gcwalisa amafomu ezicelo avela egatsheni le-KCB eliseduze.

d. Izidingo Zomsebenzi Webhange Lokusebenza.

Akudingekile ukuba ube umnikazi we-akhawunti ye-Co-op Bank ukuze ufake isicelo sokuba i-ejenti. Amakhasimende, okungewona amakhasimende, amalungu e-SACCO-link, imifelandawonye, ​​amakhasimende e-MCU, amakhasimende ama-SME, kanye nezinkampani kungaba ama-Co-Op Bank Agents.

Ukuze ube ngumenzeli;

1. Vakashela igatsha lakho le-Co-op eliseduzane.
2. Gcwalisa ifomu lesicelo.
3. Fakani imibhalo elandelayo kanye nefomu lokufaka isicelo kubantu:
   • Isitifiketi sokuziphatha okuhle.
   • Isitifiketi se-PIN.
   • Izitatimende zasebhange uma ungeyena umnikazi we-akhawunti yeCo-op Bank.
   • Izimvume zebhizinisi ezinyangeni eziyi-12 ezidlule.
   • Imvume yebhizinisi yamanje.
   • Sitifiketi sekubhaliswa.
   • Ikhophi lomazisi noma elilinganayo.
   • Izithombe ezimbili ezinosayizi wepasipoti.
   • Ama-CV abanikazi bebhizinisi noma abaqondisi.
   • Ifomu lesi-3 le-CBK kanye neFomu lesi-4 le-CBK kufakazelwa nguKhomishana Wezifungo.
4. Kwamabhizinisi nama-SACCO, kuzodingeka eminye imibhalo elandelayo:
   • Izincwadi ezihloliwe zama-akhawunti weminyaka emibili edlule.
   • Isinqumo sokufeza ukusebenza kwebhange lenhlangano.
   • Ukuvunyelwa kwe-SASRA kwama-FOSA.
   • Ukubhaliswa kwe-VAT (lapho kusebenza khona).
5. Khokha imali efanelekile ukuze kuvunyelwe ukuvunywa:
   • Imali yesicelo ye-CBK ye-Ksh.1,000.
   • Ukubekwa kokuntanta - Kunqunywa umkhawulo wamakhasimende ofika ngesikhathi sokuhlolwa.

Imali enkulu iyadingeka ebhizinisini le-Mobile Money and Banking Agency.

Imali eyinhloko incike ekutheni ufuna ukulibeka kuphi ibhizinisi lakho.

Njengoba kushiwo ngaphambili, ukuba umenzeli we-M-PESA kungase kudinge ubuncane be-Ksh.100,000. Uma ufuna ukwengeza i-Ejensi Yebhange kuzibalo, ungase udinge okwengeziwe. Masisho ngokujwayelekile ukuthi ungase udinge i-Ksh.100,000 – Ksh.500,000 ukuze ube I-Mobile Money kanye Nomenzeli Webhange.

Inenzuzo engakanani i-Mobile Money and Banking Agency?

Ngabe inenzuzo engakanani ibhizinisi lebhange leselula?

I-M-PESA Agent Commissions.

Amakhomishini ediphozithi we-M-PESA.

Inani le	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

I-M-PESA Ukuhoxiswa Kwamakhomishini.

Ikhomishini Esebenzayo E-Ksh.
Inani (Ksh)	Kubhaliswe           Okungabhalisiwe
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

Amakhomishini Ezezimali Ebhange

I-Equity Bank Ukuhoxiswa Amakhomishini.

• 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

Amakhomishini Okubambisa Imali Yezimali Ebhange.

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

Eminye imisebenzi kanye nokuhanjiswa kwabo.

• Ukuvulwa kwe-Akhawunti - Ksh.100
• I-Eazzy 24/7 - Ksh.30
• Ukuvuselelwa kwe-Akhawunti - Ksh.50
• UBhebhe - Ksh.50
• U-Ekulayeka - Ksh.50

Amakhomishini Ebhange Lezimali le-KCB.

KCB Bank Deposit Commission Commission.

• 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

KCB Bank Withdraw Commission.

• 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

AmaKhomishini Webhizinisi Lokubambisana

I-Co-Op Bank Ukuhoxisa Amakhomishini.

• 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

 I-Co-Op Bank Deposit Commission Commission.

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

Ezinye Izinsizakalo kanye nokuhanjiswa kwabo.

• Ukusetshenziswa (Amanzi ne-KPLC) - Ksh.25
• Ukubuza Ngebhalansi - Ksh.5
• Isitatimende esincane - Ksh.10                        

Yile ndlela inzuzo ye-Mobile Money neBhange LamaBhizinisi engaba ngayo.

Uma uhlanganisa ukuba Umenzeli we-M-PESA nokuba Umenzeli Webhange webhange elilodwa noma amaningana, usebhizinisini elinenzuzo ngempela. Imali yeselula kanye ne-Ejenti Yebhange, ngakho-ke, iba ngelinye lamabhizinisi anenzuzo kakhulu eKenya namuhla.