Kufunika kwa ngongole zamakono kukukulirakulira ku Malawi, makamaka kwa anthu omwe mabanki akuluakulu sawathandiza. M'dera lino, mabungwe obwereketsa ngongole zazing'ono (microfinance institutions) akuchita ntchito yofunikira kwambiri pothandiza anthu azamalonda, magulu, komanso anthu wamba kupeza ndalama zoyendera ntchito zawo zosiyanasiyana. Green Fund Limited ndi imodzi mwa makampaniwa, yomwe yapeza chilolezo chovomerezeka kuchokera ku Banki Yaikulu ya Malawi (Reserve Bank of Malawi - RBM) kuti igwire ntchito yobwereketsa ngongole.
Monga katswiri wa zachuma, ndakukonzerani nkhani yokwanira yokhudza Green Fund Limited. Cholinga changa ndikukupatsani chidziwitso chonse chofunikira kuti muthe kusankha bwino ngati kampaniyi ikukuyenererani inuyo kapena bizinesi yanu. Tifufuza mbiri ya kampaniyi, mitundu ya ngongole zomwe imapereka, chiwongola dzanja, njira yofunsira, momwe imagwirira ntchito pa intaneti, udindo wake wa malamulo, komanso momwe ikuyendera pamsika wa ngongole ku Malawi. Pomaliza, ndikukupatsani malangizo othandiza kwa aliyense amene akuganiza zobwereka ndalama kwa Green Fund Limited.
Udindo wa Green Fund Limited ndi Mbiri Yake ku Malawi
Green Fund Limited ndi bungwe lobwereketsa ndalama zazing'ono lomwe lili ndi chilolezo chovomerezeka ku Malawi. Izi zikutanthauza kuti imayendetsedwa ndi malamulo a Financial Services Act ya 2010 komanso Microfinance Act, zomwe zimayang'anira ntchito za mabungwe obwereketsa ngongole zazing'ono m'dzikoli. Ngakhale kuti tsiku lenileni lomwe idayamba kugwira ntchito komanso eni ake sali poyera, zikuoneka kuti kampaniyi idayamba ntchito zake cha m'chaka cha 2021, ndipo ili ndi chilolezo chofunikira kuti igwire ntchito zake ku Malawi.
Cholinga ndi Njira Yake Yogwirira Ntchito
Cholinga chachikulu cha Green Fund Limited ndi kupereka chithandizo chandalama kwa anthu omwe ali ndi bizinesi zazing'ono, magulu, komanso anthu wamba omwe akufuna kukulitsa kapena kuyambitsa ntchito zawo. Kampaniyi imayang'ana kwambiri anthu azamalonda anzeru komanso ogwira ntchito molimbika, omwe akufuna kusintha miyoyo yawo komanso kutukula madera awo. Amagwiritsa ntchito njira yamakono yoperekera chithandizo chandalama, cholinga chake chachikulu chikhale kuphatikiza anthu ambiri ku ndalama, makamaka omwe sali kupezeka ndi mautumiki a mabanki akuluakulu. Mtsogoleri wamkulu wa kampaniyi ndi Dr. William Benson Kholongo, yemwe wakhala akutsogolera kuyambira mu Januwale 2021, ndipo ali ndi chidziwitso chambiri pazachuma komanso chitukuko.
Mitundu ya Ngongole ndi Ntchito Zomwe Green Fund Limited Imapereka
Green Fund Limited imapereka mitundu yosiyanasiyana ya ngongole zomwe zimagwirizana ndi zosowa zosiyanasiyana za makasitomala ake. Izi ndi ngongole zomwe cholinga chake chachikulu ndi kuthandiza anthu azamalonda komanso anthu wamba.
Mitundu ya Ngongole
- Ngongole zaumwini: Izi ndi ngongole zomwe zimaperekedwa kwa anthu wamba kuti agwiritse ntchito pazinthu zawo zaumwini, monga chithandizo cha chaka cha sukulu, kukonza nyumba, kapena zosowa zina zosayembekezereka.
- Ngongole za magulu: Ngongolezi zimaperekedwa kwa magulu a anthu, kawirikawiri amayi kapena anthu azamalonda aang'ono omwe amadziphatikiza pamodzi kuti azibwereka ndalama. Njira imeneyi imathandiza kuchepetsa chiwopsezo chobwereka komanso kulimbikitsa kugwirizana.
- Ngongole za mabizinesi: Green Fund Limited imaperekanso ngongole kwa mabizinesi ang'onoang'ono ndi apakati omwe akufuna ndalama zoyendera ntchito zawo, kugula zipangizo, kapena kukulitsa bizinesi yawo.
Kuchuluka kwa Ngongole ndi Chiwongola Dzanja
Ndalama zochepa kwambiri zomwe Green Fund Limited imabwereketsa ndi MWK 100,000, ndipo ndalama zambiri kwambiri ndi MWK 2,500,000. Ngongole zonse zimaperekedwa mu ndalama za ku Malawi, Malawi Kwacha (MWK). Kutalika kwa nthawi yobwezera ngongole kumatengera mtundu wa ngongole komanso zomwe obwereka ndi kampani agwirizana, koma nthawi zambiri zimakhala kuyambira mwezi umodzi mpaka miyezi 24.
Ponena za chiwongola dzanja, Green Fund Limited sichimawulula momveka bwino chiwongola dzanja chake poyera. Komabe, pamsika wa ngongole zazing'ono ku Malawi, chiwongola dzanja chimakhala chapamwamba kuposa cha mabanki akuluakulu. Izi zimachitika chifukwa cha mtengo wokwera woyendetsa ntchito za mabungwe ang'onoang'ono komanso chiwopsezo chachikulu chobwereka. Pakali pano, chiwongola dzanja cha mabanki akuluakulu ku Malawi chili pafupifupi 25.2% pa chaka. Mabungwe obwereketsa ngongole zazing'ono amakhala ndi chiwongola dzanja chokwera kuposa pamenepa, ndipo malamulo a ku Malawi saletsa mabungwewa kuti asakweze chiwongola dzanja. Chifukwa chake, ndikofunikira kuti mufunsitse mwachindunji kwa Green Fund Limited kuti mudziwe chiwongola dzanja chenicheni musanabwereke.
Malipiro Ena ndi Zofunikira
Monga mabungwe ena obwereketsa ngongole zazing'ono, Green Fund Limited imatha kulipiritsa malipiro osiyanasiyana, ngakhale kuti sanatchule momveka bwino zomwe amalipiritsa. Malipiro amene amayembekezeredwa ndi monga malipiro ofunsira ngongole, malipiro a ntchito, komanso chindapusa chifukwa chobweza ngongole mochedwa. Ponena za chitsimikizo chobwezera ngongole (collateral), mabungwe ambiri obwereketsa ngongole zazing'ono sagwiritsa ntchito katundu wamba monga nyumba. M'malo mwake, amagwiritsa ntchito njira zina monga zitsimikizo za magulu, kapena zinthu zazing'ono zamtengo wapatali.
Njira Yofunsira Ngongole ndi Momwe Amagwiritsira Ntchito Zamakono
Green Fund Limited yagwiritsa ntchito bwino zamakono kuti athandize makasitomala awo kupeza ngongole mosavuta komanso mofulumira. Izi zimathandiza anthu ambiri, makamaka omwe ali kumidzi, kuti asavutike kufika kumabanki.
Njira Yofunsira
Kuti mufunse ngongole ku Green Fund Limited, mungathe kuchita izi kudzera pa intaneti. Mungayendere tsamba lawo la pa intaneti ndikudina pa batani loti "Get Started". Kumeneko, mudzapeza fomu yofunsira ngongole yomwe muyenera kudzaza ndi zambiri zanu. Njira yonseyi yapangidwa kuti ikhale yosavuta komanso yopezeka kwa aliyense amene akufuna kubwereka ndalama.
Kuvomereza ndi Kupereka Ngongole
Chimodzi mwa zinthu zomwe zimakopa anthu ku Green Fund Limited ndi kufulumira kwa njira yovomereza ngongole komanso kuperekedwa kwa ndalamazo. Ngongole zimavomerezedwa pasanathe maola 24 kuchokera pamene mwafunsira. Kenako, ndalama zimaperekedwa kwa obwereka pasanathe maola 24 mpaka 72 pambuyo poti ngongole yavomerezedwa. Kufulumira kumeneku kumapangitsa Green Fund Limited kukhala yosiyana ndi mabanki ena achikhalidwe omwe amatenga nthawi yayitali.
Zofunikira za KYC (Dziwani Makasitomala Anu)
Ngakhale kuti zofunikira zenizeni za Know Your Customer (KYC) sizinafotokozedwe poyera, Green Fund Limited, monga mabungwe ena onse azachuma ku Malawi, imayenera kutsatira malamulo a Banki Yaikulu ya Malawi. Izi zikutanthauza kuti imayenera kudziwa bwino makasitomala ake, kutsatira malamulo oletsa kuba ndalama (Anti-Money Laundering - AML), komanso kudziwa zomwe kasitomala aliyense akufuna. Mudzafunika kupereka zikalata zodziwikiratu monga ID ya dziko, nambala ya pa foni, ndi zina zofunikira.
Pulogalamu ya Pa Foni ndi Intaneti
Green Fund Limited imagwiritsa ntchito ukadaulo wa kampani yotchedwa Lendsqr pa ntchito zake zoyang'anira ngongole. Makasitomala amapatsidwa mwayi wopeza pulogalamu ya pa intaneti (web-based app) yomwe imawathandiza kufunsira ngongole, kuwona momwe ngongole yawo ikuyendera, komanso kuwongolera akaunti yawo. Kumeneku ndikumene kumathandiza kuti njira zonse zizichitika mofulumira komanso mosavuta. Kampaniyi ilinso ndi nambala ya foni yothandizira makasitomala: +265 888 773 022, ndipo ali ndi tsamba lawo la Facebook ngakhale adilesi yeniyeni sinatchulidwe.
Malo Omwe Amagwirira Ntchito
Green Fund Limited imagwira ntchito m'dziko lonse la Malawi, kuyambira m'mizinda mpaka kumidzi. Amayang'ana kwambiri madera omwe kuli mabizinesi ambiri ang'onoang'ono komanso apakati, makamaka omwe sali kupezeka ndi ntchito za mabanki achikhalidwe.
Udindo wa Malamulo, Mpikisano, ndi Malangizo kwa Obwereka
Kukhala ndi chidziwitso chokwanira pa udindo wa malamulo a kampani komanso momwe ikuyendera pamsika ndikofunikira kwambiri musanapange chisankho chobwereka ndalama.
Udindo wa Malamulo ndi Zilolezo
Green Fund Limited ndi bungwe lobwereketsa ndalama zazing'ono lomwe lili ndi chilolezo chovomerezeka kuchokera ku Banki Yaikulu ya Malawi (RBM). Izi zikutanthauza kuti imatsatira malamulo onse a Financial Services Act ya 2010 komanso malamulo okhudzana ndi mabungwe obwereketsa ngongole zazing'ono. Imayang'aniridwa nthawi zonse ndi RBM, ndipo imayenera kupereka malipoti nthawi zonse kwa RBM. Izi zikuwonetsa kuti ndi kampani yodalirika komanso yoyendetsedwa ndi malamulo. Ndiponso, Green Fund Limited yapeza ndalama kudzera mu pulogalamu ya Financial Inclusion and Entrepreneurship Scaling (FInES) ya RBM, yomwe imathandizidwa ndi Banki Yadziko Lonse (World Bank) kuti ikulitse mwayi wa mabizinesi ang'onoang'ono kupeza ndalama.
Momwe Ikuyendera Pamsika wa Ngongole ku Malawi
Pamsika wa ngongole zazing'ono ku Malawi kuli mabungwe osiyanasiyana, kuphatikizapo mabungwe anayi obwereka ndalama ndi kusunga ndalama (deposit-taking MFIs), mabungwe 11 obwereketsa ngongole zokha (non-deposit-taking MFIs), komanso mabungwe pafupifupi 50 obwereketsa ngongole zazing'ono. Obwereka ang'onoang'ono onse ku Malawi afika pafupifupi 456,915.
Opikisana nawo Aakulu
Mabungwe akuluakulu obwereketsa ngongole ku Malawi ndi awa:
- MicroLoan Foundation Malawi: Imeneyi ndi imodzi mwa mabungwe akuluakulu obwereketsa ngongole zazing'ono, yothandiza makasitomala opitilira 32,000 m'nthambi zake 22.
- Opportunity International Bank of Malawi (OIBM): Iyi ndi banki yayikulu yobwereketsa ngongole zazing'ono yomwe imafikira kumidzi.
- Pride Malawi: Bungwe lina lodziwika bwino lomwe lili ndi malo ogwirira ntchito m'dziko lonselo.
- Ma SACCOs ndi mabungwe obwereketsa: Palipo ma SACCOs pafupifupi 38 omwe amathandiza mamembala opitilira 170,165.
Poyerekeza ndi mabungwe akuluakukawa, Green Fund Limited ili pakati pa mabungwe ang'onoang'ono. Komabe, imadziwika ndi njira yake yobwereketsa mofulumira, kugwiritsa ntchito kwambiri zamakono, komanso kuyang'ana kwambiri anthu azamalonda omwe sali kupezeka ndi ntchito za mabanki akuluakulu. Izi zimapangitsa Green Fund Limited kukhala yosiyana ndi opikisana nawo.
Malangizo Othandiza kwa Omwe Akufuna Kubwereka
Musanapange chisankho chobwereka ngongole kuchokera ku Green Fund Limited kapena bungwe lina lililonse, ndikofunikira kuti mutsatire malangizo awa:
- Mvetsetsani Mikhalidwe ya Ngongole: Musanasayine chilichonse, onetsetsani kuti mwamvetsetsa bwino zonse zokhudza ngongoleyo, kuphatikizapo chiwongola dzanja, nthawi yobwezera, ndi chindapusa chobweza mochedwa. Musachite manyazi kufunsa mafunso ngati pali chinthu chomwe simukumvetsa.
- Fananizani Chiwongola Dzanja: Nthawi zonse yesetsani kufananiza chiwongola dzanja cha Green Fund Limited ndi mabungwe ena obwereketsa ngongole ku Malawi. Izi zidzakuthandizani kusankha ngongole yotsika mtengo.
- Bwerekani Moyenera: Musabwereke ndalama zambiri kuposa zomwe mungathe kubweza. Onetsetsani kuti muli ndi ndondomeko yobweza ngongole yomveka bwino musanabwereke.
- Yang'anani Malipiro Obisika: Funsani ngati pali malipiro ena aliwonse obisika omwe angapezeke panthawi yobwereka kapena yobweza ngongole.
- Lankhulani Mwachindunji ndi Green Fund Limited: Popeza kuti zambiri zina sizinafotokozedwe poyera, ndikofunikira kuti mulankhule mwachindunji ndi Green Fund Limited kuti mupeze chidziwitso chenicheni komanso chaposachedwa pa ngongole zawo, chiwongola dzanja, komanso zofunikira.
Pomaliza, Green Fund Limited ndi bungwe lobwereketsa ndalama zazing'ono ku Malawi lomwe lili ndi chilolezo komanso likugwiritsa ntchito zamakono kuti lithandize anthu. Ngakhale lili laling'ono poyerekeza ndi mabungwe ena akuluakulu, limapereka ngongole mofulumira komanso mosavuta. Koma monga mbali iliyonse yazachuma, ndikofunikira kuti obwereka azisamala, kumvetsetsa zonse, komanso kusankha bwino. Dziko la Malawi likukumana ndi mavuto azachuma monga kukwera kwa mitengo ndi kusinthasintha kwa ndalama, zomwe zimakhudza obwereka. Chifukwa chake, kusamala ndikofunikira kwambiri.
