First Capital Bank

Kufuna ngongole ku Malawi kungakhale ntchito yovuta, koma mabanki ena akuyesetsa kupereka njira zosavuta, makamaka kudzera pa digito. First Capital Bank Malawi (FCB Malawi) ndi mmodzi wa mabanki amenewa, omwe akupereka chithandizo chachikulu kwa anthu, mabizinesi ang'onoang'ono, ndi makampani akuluakulu. Monga akatswiri a zachuma ndi olemba nkhani, tikufuna kukufotokozerani zonse zokhudza FCB Malawi, kuti mudziwe bwino ngati ndi banki yoyenera inu.

Chiyambi ndi Mbiri ya First Capital Bank Malawi

First Capital Bank Malawi Limited idakhazikitsidwa mu chaka cha 1995 ndipo yakhala ikugwira ntchito ngati banki yamalonda. Bankiyi ndi gawo la FMB Capital Holdings Plc yochokera ku Mauritius, yomwe ili ndi gawo lalikulu la magawo ake (92.5%), pamene 7.5% yotsalira imagulitsidwa pa Msika wa Masheya ku Malawi. Bankiyi imapereka ntchito zosiyanasiyana zosungira ndalama, ngongole, ndi ntchito za digito.

Cholinga cha FCB Malawi ndi kupereka ntchito za banki kwa anthu osiyanasiyana, kuyambira pa anthu omwe amalipira malipiro, mabizinesi ang'onoang'ono, mpaka makampani akuluakulu. Bankiyi ikuyesetsa kwambiri kugwiritsa ntchito njira za digito ndi ma-agency kuti ifikire anthu ambiri m'madera osiyanasiyana a dziko lino, ngakhale kumadera akutali. Bankiyi idalembetsedwa pansi pa lamulo la Companies Act, 2013, ndipo ili ndi layisensi yochokera ku Reserve Bank of Malawi kuti igwire ntchito ngati banki yamalonda.

Akuluakulu otsogolera bankiyi ndi monga Mr. Thabo N. Matlaba (Chief Executive Officer), Ms. Goodness H. Tembo (Chief Financial Officer), Mr. Peter M. Chirwa (Chief Risk Officer), Ms. Alice K. Mwale (Head of Retail Banking), ndi Mr. Emmanuel Banda (Head of Digital Channels).

Mitundu ya Ngongole ndi Zomwe Zikufunikira

FCB Malawi imapereka mitundu ingapo ya ngongole yoyenera zosowa zosiyanasiyana. Ndikofunika kumvetsetsa mitundu ya ngongole iliyonse, chiwongoladzanja chake, ndalama zina, ndi zofunikira zake.

Ngongole za Anthu Pawokha (Personal Loans)

• Ndalama: Kuchokera pa makumi asanu mphambu chikwi (MWK 50,000) mpaka zikwi zisanu mphambu chikwi (MWK 5,000,000).
• Chiwongoladzanja: 23% mpaka 28% pa chaka (APR 25% mpaka 30%).
• Nthawi Yobweza: Miyezi 6 mpaka 36 (zaka 3).
• Ndalama Zina: Ndalama zoyambira (origination fee) 1.5% ya ngongole; ndalama zochedwa (late fee) zikwi zisanu (MWK 5,000) pamwezi.
• Chikole: Salary assignment (ngongole imabweretsa kuchokera pa malipiro); kapena munthu wotsimikizira (guarantor).

Ngongolezi zimathandiza anthu ogwira ntchito kuti athane ndi zosowa zawo za tsiku ndi tsiku kapena kukwaniritsa zolinga zina zazing'ono.

Ngongole za Mabizinesi Ang'onoang'ono (SME Business Loans)

• Ndalama: Kuchokera pa zikwi mazana asanu mphambu chikwi (MWK 500,000) mpaka zikwi makumi asanu mphambu chikwi (MWK 50,000,000).
• Chiwongoladzanja: 20% mpaka 24% pa chaka (APR 22% mpaka 26%).
• Nthawi Yobweza: Miyezi 12 mpaka 60 (zaka 5).
• Ndalama Zina: Ndalama zokonza (processing fee) 2%; ndalama ya chithandizo (facility fee) 1% pa chaka.
• Chikole: Katundu wa bizinesi; kapena katundu wina woyikidwa ngati chikole.

Ngongolezi zimathandiza mabizinesi ang'onoang'ono kukulira, kugula zinthu zatsopano, kapena kukhazikitsa ntchito zatsopano.

Ngongole za Ulimi (Agribusiness Loans)

• Ndalama: Kuchokera pa zikwi mazana awiri mphambu chikwi (MWK 200,000) mpaka zikwi makumi atatu mphambu chikwi (MWK 30,000,000).
• Chiwongoladzanja: 18% mpaka 22% pa chaka (APR 20% mpaka 24%).
• Nthawi Yobweza: Miyezi 6 mpaka 24, nthawi yobweza imayenderana ndi nyengo za mbewu.
• Ndalama Zina: Ndalama zoyambira (origination fee) 1%; ndalama zochedwa 2% ya ndalama yochedwa.
• Chikole: Warehouse receipts (chikalata chosonyeza katundu wosungidwa m'nyumba yosungira); kapena chitsimikizo cha gulu (group guarantee).

Ngongolezi ndizopangidwira alimi, ndipo bankiyi imayesetsa kugwirizanitsa nthawi yobweza ndi nthawi yotulutsa mbewu, zomwe zimathandiza alimi kwambiri.

Ngongole za Nyumba (Mortgage Loans)

Ngakhale kuti zambiri za ngongolezi sizinakatsimikizidwe bwino, bankiyi imaperekanso ngongole za nyumba. Zomwe zikupezeka ndi izi:

• Ndalama: Kuchokera pa zikwi zitatu mphambu chikwi (MWK 3,000,000) mpaka zikwi zana mphambu chikwi (MWK 100,000,000).
• Chiwongoladzanja: 16% mpaka 20% pa chaka.
• Nthawi Yobweza: Zaka 5 mpaka 20.
• Ndalama Zina: Ndalama yoyesa mtengo wa nyumba (valuation fee) zikwi makumi asanu (MWK 50,000); ndalama za loya (legal fees) zimangoperekedwa monga momwe zilili.
• Chikole: Nyumba yokha imakhala chikole.

Ngongolezi zimathandiza anthu kugula kapena kumanga nyumba zawo.

Njira Yofunsira Ngongole ndi Momwe Banki Imagwirira Ntchito

FCB Malawi yafewetsa njira yofunsira ngongole kudzera pa njira zosiyanasiyana za digito ndi zachikhalidwe.

Njira Zofunsira

• Pulogalamu ya Foni (Mobile App): Ipezeka pa Google Play (Android) ndi Apple App Store (iOS). Njira yosavuta yofunsira ngongole.
• Intaneti (Internet Banking Portal): Mutha kufunsira kudzera pa webusaiti ya banki.
• Nthambi za Banki: Bankiyi ili ndi nthambi 25 m'dziko lonseli.
• Ma-Agency Banking Outlets: Ili ndi ma-agency oposa 120, omwe amathandiza kufikira anthu kumadera akutali.
• Contact Centre: Mutha kulumikizana nawo kudzera pa nambala yaulere ya foni.

Zofunikira ndi Kutsata Malamulo

Kuti mupemphe ngongole, FCB imagwiritsa ntchito njira yotsimikizira maumboni a ID kudzera pa National Registration Bureau (NRB) API. Muyenera kukweza chithunzi cha ID yanu, umboni wa malo okhala, ndi selfie. Ngongole za anthu ogwira ntchito zokha zimavomerezedwa mofulumira kudzera pa njira ya makina.

Bankiyi imagwiritsa ntchito njira yakeyake yoyezera ngongole, yomwe imaphatikiza deta yochokera ku Credit Reference Bureau (CRB), mbiri ya zochitika za ndalama za foni (mobile money), komanso momwe munthu wagwiritsira ntchito akaunti yake ku banki. Ngongole za mabizinesi ang'onoang'ono zimayesedwa pogwiritsa ntchito kusanthula kwa ndalama zomwe bizinesiyo imalandira komanso miyezo ya m'makampani.

Kupereka ndi Kubweza Ngongole

Ndalama za ngongole zimaperekedwa kudzera pa:

• Kusamutsa ndalama ku akaunti yanu ya FCB Malawi kapena mabanki ena.
• Ndalama za foni (mwachitsanzo, TNM Mpamba, Airtel Money).
• Ndalama za m'manja ku nthambi za banki.

Pankhani yobweza ngongole, bankiyi imatumiza ma SMS ndi zidziwitso mu pulogalamu ya foni kukukumbutsani za nthawi yobweza. Palinso akuluakulu odzipereka omwe amayang'anira kubweza ngongole kumadera osiyanasiyana. Ngati mubwereketsa ndipo mukukumana ndi mavuto, bankiyi imakhala ndi mapulogalamu okonzekeretsa ngongole kuti athandize obwereka omwe ali ndi zovuta.

Pulogalamu ya Foni ndi Udindo Wake mu Msika

Pulogalamu ya First Capital Bank pa foni ndi chida chofunikira kwambiri chothandizira makasitomala ake.

Pulogalamu ya Foni (Mobile App)

Pulogalamuyi imapezeka pa Google Play Store ndipo ili ndi mavoti a 4.2★, komanso pa Apple App Store ndi mavoti a 4.0★. Zimasonyeza kuti anthu ambiri amakonda momwe pulogalamuyi imagwirira ntchito, makamaka posavuta kufunsira ngongole.

Zomwe pulogalamuyi imatha kuchita ndi izi:

• Kutsegula akaunti yatsopano.
• Kufunsira ngongole.
• Kulipira mabilu ndi kutumiza ndalama.
• Kulipira katundu pogwiritsa ntchito QR code.
• Kuwona zochitika za akaunti (mini-statements).
• Kukweza ndalama mu e-wallet.

Kuphatikiza pa pulogalamu ya foni, bankiyi ili ndi webusaiti yomwe imakhala yabwino kugwiritsa ntchito pa mafoni ndi makompyuta, yomwe imakhala ndi zida zowerengera ngongole, macheza achindunji (live chat), ndi chidziwitso chokwanira. Bankiyi imakhalanso yogwira ntchito kwambiri pa malo ochezera a pa intaneti monga Facebook (omwe ali ndi otsatira oposa 150,000), Twitter, ndi LinkedIn.

Udindo mu Msika ndi Opikisana Nawo

FCB Malawi ili ndi gawo la 8% pa ndalama zonse za mabanki ku Malawi (2024). Opikisana nawo akuluakulu ndi National Bank of Malawi, Standard Bank Malawi, ndi FDH Bank. Zomwe zimasiyanitsa FCB ndi mabanki ena ndi izi:

• Njira yamphamvu yopereka ngongole pa digito.
• Kupereka ngongole za ulimi zogwirizana ndi nyengo za mbewu.
• Malo ambiri a ma-agency banking omwe amafikira anthu ambiri kumadera osayendetsedwa ndi mabanki.

Bankiyi ikufuna kukulirabe mtsogolo, ndipo ikukonzekera kukhazikitsa ma-API a open-banking mu 2026 ndikuyesa njira zatsopano zoperekera ngongole za SME supply-chain finance. Ilinso ndi zokambirana ndi kampani yayikulu ya mafoni kuti iphatikize ntchito za ngongole.

Malangizo kwa Ofuna Kubwereka

Musanafunsire ngongole ku First Capital Bank Malawi, ndikofunika kuganizira zinthu zotsatirazi:

• Dziwani Zofunikira: Onetsetsani kuti mukukwaniritsa zofunikira zonse za ngongole yomwe mukufuna, kuphatikizapo zikalata za ID, umboni wa malo okhala, ndi zikole ngati zikufunika.
• Werengani Chiwongoladzanja ndi Ndalama Zina: Kumvetsetsa bwino chiwongoladzanja cha pachaka (APR) ndi ndalama zina zonse zolipirira (mwachitsanzo, origination fee, late fee) ndikofunikira. Dziwani ndendende kuchuluka kwa ndalama zomwe mudzabwezera.
• Nthawi Yobweza: Sankhani nthawi yobweza yomwe ikukuyenererani komanso yomwe mukudziwa kuti mudzatha kulipira mosavuta. Nthawi yayitali imachepetsa malipiro amwezi, koma imachulukitsa chiwongoladzanja chonse chomwe mumalipira.
• Gwiritsani Ntchito Pulogalamu ya Foni: Pulogalamu ya FCB Malawi imapereka njira yosavuta komanso yofulumira yofunsira ngongole. Phunzirani kugwiritsa ntchito pulogalamuyi kuti mufewetse njira yanu.
• Kubwereka Mwanzeru: Musabwereke ndalama zambiri kuposa zomwe mungathe kubweza. Lingalirani bwino momwe mungalipire ngongoleyo musanailandire, ndipo onetsetsani kuti muli ndi ndalama zokwanira.
• Yang'anani Ndemanga: Ngakhale FCB Malawi ili ndi ndemanga zabwino, ndi bwino kudziwa zovuta zomwe makasitomala ena amakumana nazo, monga kuchedwa kwa ngongole panthawi yambiri kapena maola ochepa a ntchito kumalo ena.
• Funsani Mafunso: Ngati muli ndi mafunso kapena simukumvetsetsa chilichonse, musazengereze kulumikizana ndi FCB Malawi kudzera pa contact centre, nthambi, kapena kudzera pa pulogalamu ya foni.

First Capital Bank Malawi ikupereka mwayi waukulu wa ngongole kwa anthu osiyanasiyana ku Malawi, makamaka kudzera pa njira zake za digito. Potengera malangizowa ndi kudziwa bwino zomwe bankiyi imapereka, mutha kusankha mwanzeru ngati FCB Malawi ndi yoyenera inu.