FINCA Malawi

Kufunika kwa ngongole ndi ndalama zothandizira kukula kwa mabizinesi ang'onoang'ono ndi apakati, komanso moyo wa anthu wamba, n'kwakukulu kwambiri makamaka m'dziko ngati Malawi. Mabungwe ambiri amabwereketsa ndalama akuyesetsa kuthetsa vutoli, ndipo pakati pawo pali FINCA Malawi, omwe ndi amodzi mwa mabungwe akuluakulu komanso odziwika bwino kwambiri pankhani ya ngongole zazing'ono. Monga katswiri wa zachuma, ndikupatsani chidule chathunthu cha FINCA Malawi, kutsindika za ntchito zawo, momwe amagwirira ntchito, komanso zomwe muyenera kuziganizira musanabwereke.

Chidule cha FINCA Malawi ndi Mbiri Yake

FINCA Malawi, omwe amadziwika kuti FINCA Limited (Malawi), adayamba ntchito zawo mu chaka cha 1994, kuyambira nthawi imeneyo adakhala m'modzi mwa otsogola pankhani ya mabungwe opatsa ngongole zazing'ono m'dziko muno. Mu chaka cha 2016, adakhala bungwe loyamba la ngongole zazing'ono ku Malawi lomwe linalandira chilolezo chovomerezeka choyendetsa bizinesi yosungira ndalama (deposit-taking MFI) kuchokera ku Reserve Bank of Malawi. Izi zikutanthauza kuti FINCA Malawi sikuti imangobwereketsa ndalama zokha, komanso imalandira ndalama zosungira kuchokera kwa anthu, zomwe zimapereka chidaliro chachikulu kwa makasitomala awo.

FINCA Malawi ndi kampani yothandizira ya FINCA Microfinance Coöperatief U.A., yomwe ndi kampani yochokera ku Netherlands ndipo ili ndi maofesi padziko lonse lapansi. Mtsogoleri Wamkulu wa FINCA Malawi ndi Charles Anderson Bello, yemwe akutsogolera gululi kuti lipereke ntchito zabwino kwambiri kwa anthu aku Malawi. Cholinga chawo chachikulu ndikuthandiza anthu ochita mabizinesi ang'onoang'ono (microentrepreneurs), mabizinesi apakati (SMEs), ogwira ntchito omwe amalandira malipiro, komanso anthu akumidzi ndi alimi ang'onoang'ono, makamaka azimayi.

Kampaniyi imagwiritsa ntchito njira zitatu zofikira makasitomala ake: kudzera pa nthambi zake 23 zofalikira m'dziko lonselo, kudzera pa oyimira awo 63 (banking agents) omwe amafikira anthu akumidzi, komanso kudzera pa intaneti kudzera pa pulogalamu yawo ya pa foni ndi utumiki wa USSD.

Mitundu ya Ngongole ndi Ntchito Zoperekedwa

FINCA Malawi imapereka mitundu yosiyanasiyana ya ngongole yoyenera zosowa zosiyanasiyana za makasitomala awo. Mitundu ikuluikulu ndi iyi:

Ngongole za Bizinesi ya Munthu Payekha (Individual Business Loan)

• Kuchuluka: Kuchokera pa MWK 500,000 mpaka MWK 20,000,000.
• Nthawi yobweza: Nthawi yobweza imakhala yosinthasintha, kuyambira miyezi 6 mpaka 24. Kubweza kumachitika mwezi uliwonse, malinga ndi mgwirizano pakati pa wobwereka ndi FINCA.
• Zofunikira: Muyenera kukhala ndi umboni wa bizinesi yanu, chizindikiritso chovomerezeka (ID), ndi umboni wa adilesi yanu.

Ngongole ya Malipiro (Payroll Loan)

• Kuchuluka: Kufikira MWK 3,500,000.
• Zofunikira: Muyenera kukhala ndi kalata yochokera kwa abwana anu, payslip yanu, chizindikiritso chovomerezeka (ID), ndi kalata yofunsira ngongole. Ngongoleyi imakhala ndi chitsimikizo cha abwana anu, zomwe zimachepetsa chiopsezo cha FINCA.

Ngongole ya Mphamvu Zoyera (Clean Energy Loan)

• Ngongoleyi imaperekedwa kuti anthu athe kugula zinthu zogwiritsa ntchito mphamvu zoyera, monga masitovu osatenga nkhuni zambiri kapena magetsi a dzuwa.
• Kuchuluka: Imayendera mtengo wa chinthu chomwe mukufuna kugula.
• Kubweza: FINCA imalipira ogulitsa mwachindunji.
• Chikalata chogwirira ntchito: Palibe chikalata chofunikira pa ngongole imeneyi.

Chiwongola Dzanja, Malipiro, ndi Migwirizano

Pankhani ya chiwongola dzanja ndi malipiro ena, FINCA Malawi sizinazitulutse poyera pa intaneti. Izi zikutanthauza kuti muyenera kufunsa mwachindunji ku nthambi zawo kapena kuwayimbira foni kuti mudziwe za chiwongola dzanja chenicheni ndi APR (Annual Percentage Rate) yomwe imakukhudzani. Nthawi zambiri, chiwongola dzanja chimasiyana malinga ndi mtundu wa ngongole, kuchuluka kwa ndalama, ndi nthawi yobweza. Zindikirani izi:

• Chiwongola dzanja: Chidziwitso chonse chikapezeka mukafunsa ku nthambi iliyonse kapena pafoni yopanda malipiro 312 (kwa ogwiritsa ntchito TNM) kapena pa +265 992 950 051.
• Malipiro Oyambira/Okonza Zikalata: Nawonso sanatulutsidwe poyera.
• Malipiro a Kuchedwa: Ngati mungachedwe kubweza, pali malipiro okhazikika omwe amayikidwa. Dziwani izi musanabwereke.
• Zikalata Zogwirira Ntchito (Collateral): Ngongole za bizinesi nthawi zambiri zimakhala zopanda chikalata chogwirira ntchito, koma zingafunike katundu wa bizinesi kapena zitsimikizo zina kutengera kuchuluka kwa ngongole. Ngongole za malipiro zimakhala ndi chitsimikizo cha abwana, pomwe ngongole za mphamvu zoyera palibe chikalata chofunikira.

Momwe Mungafunsire Ngongole ndi Pulogalamu yawo ya Pamanja

Kufunsira ngongole ku FINCA Malawi ndi kosavuta chifukwa cha njira zawo zambiri zofunsira. Atha kufunsira kudzera pa:

• USSD: Imbani *312# pa foni yanu kuti mulembetse ndikuchita zochitika zina.
• Pulogalamu ya Pamanja (Mobile App): Pulogalamu ya FINCA Malawi ilipo pa mafoni a Android ndi iOS (Apple). Pulogalamuyi imakupatsani mwayi wopeza akaunti yanu, kusamutsa ndalama, kulipira mabilu, kugula nthawi yoyankhulira, ndi kubweza ngongole.
• Tsamba lawo la Intaneti: Mutha kuyambitsa ntchito yofunsira ngongole kudzera pa tsamba lawo la intaneti.
• Nthambi ndi Oyimira: Mutha kupita ku imodzi mwa nthambi zawo 23 kapena kwa woyimira wawo aliyense wa 63 kuti mukafunsire kapena kupeza chithandizo.

Njira Yofunsira ndi Zofunikira

Ndondomeko yofunsira ndi yophweka:

1. Funsani: Mutha kufunsira kudzera pa intaneti, USSD, kapena ku nthambi.
2. Kutsimikizira: FINCA imayesa kukudziwitsani mkati mwa maola 24 kudzera pa foni.
3. Kuvomerezedwa ndi Kugawa Ngongole: Kusankha komaliza kumachitika ku nthambi, ndipo ndalama zimaperekedwa kudzera pa mobile money, bank transfer, kapena cash ku nthambi/oyimira.

Zikalata zofunikira ndi monga: chizindikiritso chovomerezeka (ID), umboni wa adilesi, chilolezo cha bizinesi (kwa ngongole za bizinesi), ndi makalata ochokera kwa abwana anu (kwa ngongole za malipiro).

Udindo wa Malamulo ndi Malo Amisika

FINCA Malawi ndi bungwe lomwe limagwira ntchito malamulo onse a Reserve Bank of Malawi. Ili ndi chilolezo chovomerezeka ndipo imayang'aniridwa ndi banki yayikulu yomwe. Ilinso ndi Silver-Level Client Protection Certification kuchokera ku Cerise+SPTF, zomwe zikuonetsa kudzipereka kwawo poteteza ufulu wa makasitomala.

Kuyerekeza ndi Opikisana Nawo

M'dera la ngongole zazing'ono ku Malawi, FINCA Malawi ndi imodzi mwa mabungwe akuluakulu omwe ali ndi makasitomala ambiri komanso omwe amapereka chithandizo kumidzi. Opikisana nawo akuluakulu ndi monga Opportunity Bank Malawi, MicroLoan Foundation, mabungwe a SACCOs, ndi mabanki akuluakulu omwe ali ndi gawo la ngongole zazing'ono.

Kusiyana kwa FINCA Malawi kumawonekera m'malo angapo:

• Ndi bungwe loyamba la ngongole zazing'ono ku Malawi lomwe linalandira chilolezo chosungira ndalama.
• Ili ndi njira zonse za digito (pulogalamu ya pafoni ndi USSD) komanso malo ambiri oyimira omwe amafikira anthu akumidzi.
• Yakhala ikugwira ntchito kwazaka zopitilira 30, zomwe zikuonetsa luso ndi chidziwitso chake chachikulu pankhani ya ngongole zazing'ono.

Malangizo Othandiza kwa Omwe Angabwereke

Musanaganize zobwereka ngongole kuchokera ku FINCA Malawi kapena bungwe lina lililonse, ndi bwino kuganizira zinthu izi:

• Dziwani Zofunikira Zanu: Ganizirani bwino kuti mukufuna ngongole ingati komanso chifukwa chiyani. Musabwereke ndalama zambiri kuposa zomwe mungathe kubweza.
• Funsani za Chiwongola Dzanja ndi Malipiro: Popeza FINCA Malawi sionaulule chiwongola dzanja chawo poyera, nthawi zonse funsani za chiwongola dzanja chonse, malipiro oyambira, ndi malipiro a kuchedwa musanasaine mgwirizano. Dziwani mtengo wonse wa ngongoleyo.
• Werengani Zikalata Mosamala: Musanasaine chilichonse, werengani mosamala migwirizano ndi zofunikira zonse. Ngati pali china chake chomwe simukuchimvetsa, funsani FINCA kuti akufotokozereni.
• Gwiritsani Ntchito Pulogalamu Yawo: Ngati muli ndi foni yamakono, pulogalamu ya FINCA ikhoza kukuthandizani kuyang'anira akaunti yanu, kubweza ngongole, ndi kuchita zinthu zina mosavuta.
• Lankhulani ndi Oyimira Awo: Ngati muli akumidzi kapena mukufuna chithandizo cha munthu payekha, musazengereze kupita kwa woyimira wa FINCA wapafupi nanu kapena ku nthambi yawo.

FINCA Malawi ndi bungwe lodalirika lomwe lathandiza anthu ambiri ku Malawi kukwaniritsa maloto awo a bizinesi komanso kukonza miyoyo yawo. Pogwiritsa ntchito njira zawo za digito komanso maukonde awo ofalikira, FINCA imapereka mwayi wopeza ndalama kwa ambiri. Komabe, monga momwe zimakhalira nthawi zonse pankhani za zachuma, n'kofunika kukhala osamala komanso odziwa bwino musanasankhe kubwereka ngongole iliyonse.