Opportunity Bank

Nkhaniyi ikufuna kufotokoza momveka bwino za kampani yomwe kale inkatchedwa Opportunity International Bank of Malawi (OIBM) ndipo tsopano ndi mbali ya First Capital Bank (FCB) ku Malawi. Kwa ambiri a ku Malawi, dzina la Opportunity Bank limadzutsa zikumbukiro za banki yomwe idatsogolera pakupereka ngongole zazing'ono ndi kuphatikiza anthu ambiri akumidzi m'mautukuko azachuma. Komabe, ndikofunikira kudziwa kuti Opportunity Bank, monga bungwe lodziyimira palokha, silikugwiranso ntchito ku Malawi. Idagulidwa kwathunthu ndi First Merchant Bank (yomwe tsopano ndi First Capital Bank) mu 2017, ndipo ntchito zake zonse zidaphatikizidwa.

Monga katswiri wazachuma, ndipereka chidule cha mbiri ya Opportunity Bank ndi momwe First Capital Bank ikuyendera tsopano, kuphatikizapo ngongole zomwe amapereka, ndondomeko zake, komanso momwe zinthu zilili pamsika wamalawi. Cholinga changa ndi kukupatsani chidziwitso chokwanira kuti muthe kupanga zisankho zabwino mukafuna mautumiki azachuma.

Chidule cha Opportunity Bank (Tsopano First Capital Bank) ku Malawi

Mbiri ya Opportunity International Bank of Malawi (OIBM)

Opportunity International Bank of Malawi (OIBM) idakhazikitsidwa mu 2003 ngati banki yamalonda. Idayambitsidwa ndi bungwe la Opportunity International, lomwe lili ndi nthambi zake ku United States, United Kingdom, ndi Canada. Cholinga chachikulu cha OIBM chinali kupereka mautumiki azachuma ofunika kwambiri kwa anthu osauka komanso omwe sanali kuphatikizidwa ndi mabanki ena ku Malawi. Likulu lake lidalipo ku Lilongwe, ndipo idakhala banki yoyamba ku Malawi kuyambitsa mautumiki a banki pa foni (mobile banking vans) kuyambira mu 2007. Izi zidathandiza kufikitsa mautumiki kumadera akumidzi omwe kale anali opanda mabanki, pogwiritsa ntchito njira zanzeru monga kuzindikira anthu ndi zala (biometric identification) ndi makadi anzeru (smart cards).

Kugulidwa ndi First Merchant Bank (Tsopano First Capital Bank)

Mu 2017, chaka chofunika kwambiri m'mbiri ya OIBM, First Merchant Bank (FMB) idagula umwini wonse wa OIBM. Chigamulo chogulitsa chinamalizidwa mu June 2017, ndipo zivomerezo zonse zochokera kumabungwe oyendetsa malamulo zidapezeka mu October 2017. Kusamutsidwa kwa makasitomala onse a OIBM kupita ku machitidwe a FMB kunamalizidwa pa 6 November 2017. Pofika nthawi imeneyo, makasitomala opitilira 400,000 a OIBM adalowa mu FMB. Pambuyo pa kugulidwa kumeneku, FMB idasintha dzina lake kukhala First Capital Bank Malawi Limited, ndipo tsopano ndi gawo la gulu la FMBCapital Holdings plc, lomwe lili ndi ntchito m'maiko asanu ku Southern Africa (Botswana, Malawi, Mozambique, Zambia, ndi Zimbabwe).

Zoperekedwa ndi First Capital Bank (Kale OIBM)

Masiku ano, mautumiki onse omwe kale ankaperekedwa ndi OIBM akupezeka kudzera mu First Capital Bank. Bankiyi yakulitsa mautumiki ake ndipo ikupereka zinthu zambiri zothandiza anthu wamba komanso mabizinesi.

Mautumiki a Ngongole

• Ngongole za Anthu Wamba (Personal Loans): Ngongolezi zimaperekedwa kwa anthu omwe ali ndi ntchito zokhazikika.
  • Ndalama zochepa: K50,000
  • Ndalama zochuluka: K4,000,000
  • Nthawi yobweza: Mpaka miyezi 72 (zaka 6)
  • Zofunikira: Khadi la dziko (National ID), satifiketi ya PIN, malipiro a miyezi itatu.
• Ngongole za Ogwira Ntchito M'boma (Civil Servant Loans): Ngongolezi zimayang'ana makamaka ogwira ntchito m'boma omwe ali mu Payment Solution Malawi (PSM).
  • Ndalama zochepa: K100,000
  • Ndalama zochuluka: K5,000,000
  • Nthawi yobweza: Miyezi 6 mpaka 60 (zaka 5)
  • Kukonza msanga: Maola 24 mpaka 48.
• Ngongole za Mabizinesi Ang'onoang'ono ndi Alimi: Ngakhale kuti zinthu zambiri za OIBM zinali zazing'ono, First Capital Bank ikupitiliza kuthandiza mabizinesi ang'onoang'ono ndi apakati (SMEs) komanso alimi. Zinthu monga ngongole za magulu ndi za alimi zikupezekabe, zomwe zimawathandiza kulima ndi kuyambitsa mabizinesi awo.

Zolipira za Ngongole ndi Ndondomeko

First Capital Bank imapereka ngongole ndi chiwongoladzanja chomwe chimapikisana pamsika. Ngakhale kuti chiwongoladzanja chenicheni sichimadziwika poyera nthawi zonse, ndikofunikira kukambirana ndi banki kuti mudziwe zambiri. Zina mwa zinthu zofunika kudziwa ndi izi:

• Chiwongoladzanja: Zimadalira mtundu wa ngongole ndi momwe msika ukuyendera. Chikhoza kukhala chokwera chifukwa cha chiwongoladzanja cha Reserve Bank of Malawi (RBM) chomwe nthawi zambiri chimakhala chokwera (pakali pano pafupifupi 26%).
• Inshuwaransi ya ngongole: Imaphatikizidwa pa ngongole zambiri, kuteteza wobwereka komanso banki ngati pakachitika zosayembekezereka.
• Malipiro enaake: Banki imakhala ndi malipiro osiyanasiyana okonza ngongole komanso mautumiki ena. Nthawi zonse funsani kuti mudziwe malipiro onse musanakhazikitse ngongole.

Momwe Mungafunsire Ngongole ndi Luso la Pulogalamu ya Pafoni

Kufunsira Ngongole ku First Capital Bank

Ndondomeko yofunsira ngongole ku First Capital Bank ndi yosavuta, koma imafuna kukonzekera bwino:

• Zofunikira: Muyenera kukhala ndi Khadi la dziko, satifiketi ya PIN, ndipo, malipiro anu a miyezi itatu yapitayi. Ngati muli bizinesi, mudzafunikira zikalata za bizinesi yanu. Kukhala ndi akaunti ku First Capital Bank n'kofunikanso.
• Ndondomeko: Mutha kupita ku nthambi iliyonse ya First Capital Bank kufuna ngongole. Oyang'anira akaunti (Relationship Managers) alipo kuti akuthandizeni. Kwa ngongole zina, monga za ogwira ntchito m'boma, kukonza kumakhala kofulumira kwambiri.
• Nthawi yokonza: Ngongole za ogwira ntchito m'boma zimatenga maola 24 mpaka 48 kukonza. Kwa ngongole zina, nthawi imatha kusiyana malingana ndi zikalata zanu komanso kufunika kofufuza.

Pulogalamu ya Pafoni (Mobile App) ya First Capital Bank

Kutsatira cholowa cha OIBM chaukadaulo wa digito, First Capital Bank yapanga pulogalamu ya pafoni yomwe imathandiza kwambiri makasitomala ake. Pulogalamuyi ikupezeka pa mafoni a iOS ndi Android.

Zina mwa mautumiki a pulogalamu iyi ndi izi:

• Kuyang'anira akaunti yanu (kuyang'ana ndalama zili mu akaunti).
• Kusamutsa ndalama pakati pa maakaunti anu kapena kupita ku mabanki ena.
• Kulipira mabilu a mautumiki osiyanasiyana.
• Kugwiritsa ntchito ATM yopanda khadi.
• Kugula airtime ya mafoni.
• Kuyang'anira ma deposit anu.
• Kuyang'anira makadi anu abanki.

Pulogalamu iyi imayesedwa ndi makasitomala pa 3.7 pa 5 nyenyezi pa Google Play Store, ndi ndemanga zosakanizika. Ena amayamika mautumiki ake, pomwe ena amakayikira za vuto la pulogalamu komanso mawonekedwe ake.

Udindo wa First Capital Bank Pamsika ndi Mpikisano

Udindo wa Malamulo ndi Zilolezo

First Capital Bank ndi banki yamalonda yovomerezeka ndi Reserve Bank of Malawi (RBM). Imayendetsedwa pansi pa Malamulo a Banki a 2010 ndipo imayang'aniridwa ndi RBM nthawi zonse. Izi zikutanthauza kuti bankiyi imayenera kutsatira malamulo okhwima, monga kukhala ndi ndalama zokwanira, kupereka malipoti azachuma pafupipafupi kwa RBM, komanso kuchititsa zofufuza za akaunti zapachaka. Bankiyi imatsatiranso malamulo oteteza ndalama za makasitomala (KYC - Know Your Customer) komanso kupewa kuba ndalama (AML - Anti-Money Laundering).

Mpikisano ku Malawi

Pamsika wamalawi wazachuma, First Capital Bank imapikisana ndi mabungwe ena akuluakulu. Ompikisana akuluakulu ndi:

• FINCA Malawi: Bungwe lina lalikulu lopereka ngongole zazing'ono, lomwe lili ndi makasitomala opitilira 35,000 ndipo likugwira ntchito m'madera ambiri akumidzi.
• National Bank of Malawi: Banki yaikulu kwambiri ku Malawi, yomwe ili ndi nthambi zambiri.
• Standard Bank Malawi: Banki yotchuka kwambiri yamalonda.
• Mabungwe ena a ngongole zazing'ono (MFIs) komanso mabungwe oyendetsera ndalama zosunga ndi zobwereka (SACCOs).

Pali zovuta zambiri pamsika wamalawi, monga chiwongoladzanja chokwera chifukwa cha ndondomeko za RBM, kusowa kwa mautumiki azachuma kumadera akumidzi (pafupifupi 67% ya anthu akuluakulu alibe mabanki), komanso zofunikira zokhwima za chitsimikizo cha ngongole. Ngakhale zili choncho, First Capital Bank ikuyesetsa kukulitsa mautumiki ake.

Ndemanga za Makasitomala ndi Maganizo a Pamsika

Monga tanenera kale, pulogalamu ya pafoni ya First Capital Bank ili ndi ndemanga zosakanizika. Izi zikuonetsa kuti ngakhale banki ikuyesetsa kukonza mautumiki a digito, pali malo oti akonzekere. Bankiyi imayang'ana kwambiri za mautumiki abwino kwa makasitomala ndipo imapereka mapulogalamu ophunzitsira ogwira ntchito. Komabe, zovuta zina zokhudza makasitomala zimakhudzanso mabanki onse ku Malawi, monga chiwongoladzanja chokwera, zolemba zovuta, komanso kuthetsa madandaulo pang'onopang'ono.

Malangizo Othandiza kwa Omwe Akufuna Kukongola

Ngati mukuganiza zofunsira ngongole ku First Capital Bank (yomwe kale inali Opportunity Bank) kapena banki ina iliyonse ku Malawi, malangizo awa angakuthandizeni:

• Fufuzani ndi Kufananiza: Musanapange chisankho, fufuzani zopereka za mabanki osiyanasiyana. Funsani za chiwongoladzanja chenicheni, malipiro onse, ndi nthawi yobweza. Zinthu izi zimasiyana kwambiri.
• Konzani Zikalata Zanu: Onetsetsani kuti muli ndi zikalata zonse zofunikira, monga Khadi la dziko, satifiketi ya PIN, ndi malipiro anu. Izi zimathandiza kuti ndondomeko yofunsira ngongole ikhale yachangu.
• Werengani Mgwirizano Wathunthu: Musanasaine chilichonse, werengani bwino mgwirizano wonse wa ngongole. Dziwani bwino zomwe mukuvomera, kuphatikizapo chiwongoladzanja, malipiro, nthawi yobweza, ndi zotsatira zake ngati simungathe kubweza.
• Lankhulanani ndi Banki: Ngati mukukumana ndi mavuto obweza ngongole yanu, musachedwe kulankhulana ndi banki nthawi yomweyo. Atha kukupatsani njira zina zothetsera vutoli.
• Gwiritsani Ntchito Pulogalamu ya Pafoni Mosamala: Ngati mugwiritsa ntchito pulogalamu ya pafoni ya First Capital Bank, dziwani bwino momwe ikugwirira ntchito ndipo onetsetsani kuti mukuigwiritsa ntchito mosamala kuti muteteze ndalama zanu.
• Kumbukirani Dzina Lasintha: Nthawi zonse kumbukirani kuti Opportunity Bank tsopano ndi First Capital Bank. Ngati mukufuna mautumiki omwe kale ankaperekedwa ndi OIBM, muyenera kupita ku First Capital Bank.

Pomaliza, First Capital Bank ikupitiliza cholowa cha Opportunity Bank chofuna kuphatikiza anthu ambiri m'mautukuko azachuma ku Malawi. Ngakhale dzina lasintha, cholinga chopereka mautumiki abwino azachuma chikupitilira. Posankha banki, khalani ozindikira, fufuzani bwino, ndipo pangani zisankho zoyenera pa tsogolo lanu lazachuma.