Saile Financial Services

M'dziko la Malawi, kumene mabungwe ambiri a zachuma amakhala ovuta kufikika kwa anthu ambiri, makampani obwereketsa ngongole ang'onoang'ono (microfinance institutions) amakhala ngati mpumulo waukulu. Pakati pa makampani amenewa, Saile Financial Services Limited yakhala ikuyenda patsogolo, ndipo yakhala ikupereka chithandizo chofunikira kwa zaka zoposa 19. Nkhaniyi ipereka kuunika kwathunthu kwa kampaniyi, ndikupereka zambiri zothandiza kwa aliyense amene akufuna kubwereka ngongole.

Zambiri za Kampani ndi Mbiri Yake ku Malawi

Saile Financial Services Limited, yomwe imadziwikanso kuti SAILE, ndi imodzi mwa mabungwe otsogola obwereketsa ngongole ang'onoang'ono ku Malawi. Idakhazikitsidwa mu Ogasiti 2004, ndipo kuyambira pamenepo, yakhala ikukula ndikupereka chithandizo kwa anthu osiyanasiyana omwe sanathe kupeza ngongole m'mabungwe akuluakulu a banki. Kampaniyi ili ndi chilolezo chovomerezeka kuchokera ku Reserve Bank of Malawi (RBM) pansi pa Microfinance Act NDMFI 017/22, zomwe zikutanthauza kuti imagwira ntchito motsatira malamulo adziko.

Kampaniyi idakhazikitsidwa ndi a Elias Kafinyangwe, yemwenso ndi Managing Director wake. Dzina la "SAILE" ndi chotsatira cha dzina la "Elias" lolemboso mosiyana, zomwe zikuonetsa umwini wa kampaniyo. Poyamba, kampaniyi idayamba ndi wogwira ntchito m'modzi basi komanso chuma chochepa, koma lero yakhala ndi nthambi zambiri m'dziko lonselo kuphatikiza Blantyre, Lilongwe, Mzuzu, Zomba, ndi Karonga. Saile imapereka ngongole kwa ogwira ntchito m'mabungwe aboma ndi apayekha, apenshoni, komanso eni mabizinesi ang'onoang'ono. Kuti achepetse chiopsezo chosabweza ngongole, Saile nthawi zambiri imafunika kuti wobwereka apereke chitsimikizo (monga katundu wapakhomo, galimoto, kapena wobwezera ngongole) kapena amagwiritsa ntchito njira yochotsera ndalama ku malipiro a mwezi uliwonse.

Oyang'anira Aakulu a Kampani

• Elias Kafinyangwe, Managing Director komanso Woyambitsa (2004). Ali ndi digiri ya BBA kuchokera ku Malawi Polytechnic.
• Matias Kafinyangwe, Finance & HR Manager (adayamba 2009). Ali ndi digiri ya BAcc kuchokera ku Malawi Polytechnic.
• Isaac Nkhambule, Administration Manager (adayamba 2004). Ali ndi Diploma in Business Administration.
• Jericho Nyirenda, Mzuzu Branch Manager (adayamba 2018). Ali ndi MSW in Project Management.
• Zione Mukaka Chikafa, Lilongwe Branch Manager (adayamba 2014). Ali ndi BBME kuchokera ku Malawi College of Accountancy.
• Ambwene Mwang'onda, Blantyre Branch Manager (adayamba 2020). Ali ndi Diploma in ICT kuchokera ku Mzuzu University.
• Davie Ndhlovu, Zomba Branch Manager (adayamba 2016). Ali ndi BA in Applied Accounting kuchokera ku Oxford Brookes.
• Moses Maloya, Karonga Branch Manager (adayamba 2022). Ali ndi Diploma in Financial Accounting.

Misonkhano ya Ngongole ndi Ntchito Zake

Saile Financial Services imapereka mitundu yosiyanasiyana ya ngongole kuti igwirizane ndi zosowa za makasitomala ake osiyanasiyana. Ngongolezi zili ndi malipiro osiyana komanso nthawi zosiyanasiyana zobwezera.

Mitundu Yaikulu ya Ngongole:

• Ngongole za Payday (Payday Loans): Ngongolezi zimabwezeredwa pa tsiku lotsatira la malipiro. Palibe wobwezera ngongole wofunikira, ndipo njira yopemphera ngongoleyo imachitika mofulumira kwambiri, mkati mwa mphindi 30. Ndalama zake zimayambira pa MK 25,000 mpaka MK 1,000,000.
• Ngongole za Miyezi Itatu (Three-Month Loan Scheme): Zobwezeredwa mkati mwa miyezi itatu. Zimalunjika kwa ogwira ntchito, apenshoni, ndi eni mabizinesi. Ndalama zake zimayambira pa MK 50,000 mpaka MK 5,000,000.
• Ngongole za Miyezi Isanu ndi Umodzi (Six-Month Loan Scheme): Zobwezeredwa mkati mwa miyezi isanu ndi umodzi. Ndi ngongole za anthu pawokha komanso mabizinesi ang'onoang'ono. Ndalama zake zimayambira pa MK 30,000 mpaka MK 2,000,000.
• Ngongole Zapadera (Special Scheme): Zobwezeredwa mkati mwa miyezi 10. Zimalunjika kwa ogwira ntchito opeza ndalama zambiri monga mameneja ndi aphunzitsi aku koleji. Ndalama zake zimayambira pa MK 101,000 mpaka MK 1,000,000.
• Ngongole Zazikulu (Executive Scheme): Zobwezeredwa mkati mwa miyezi 12. Ngongolezi zimakhala zazikulu kwambiri, kuyambira pa MK 1,500,000 mpaka MK 15,000,000. Fomu yake yopemphera imakhala yosiyana.
• Ngongole za Mabizinesi (Business Loans): Zobwezeredwa mkati mwa miyezi 10 mpaka 12. Zimalunjika kwa eni mabizinesi m'mizinda ikuluikulu ndipo zimafunikira chitsimikizo. Ndalama zake zimayambira pa MK 101,000 mpaka MK 20,000,000.

Mitengo ya Chindapusa, Malipiro, ndi Zofunikira Zake

Kudziwa mitengo ya chindapusa ndi malipiro ofunikira ndi chinthu chofunikira kwambiri musanabwereke ngongole. Kwa Saile Financial Services, pali malipiro ena omwe ayenera kudziwika:

• Malipiro Oyendetsera Ntchito (Administration Fee): Saile imachotsa malipiro a 8.5% pa ndalama zonse za ngongoleyo. Malipirowa amachotsedwa nthawi yomweyo ngongoleyo itaperekedwa.
• Mitengo ya Chindapusa (Interest Rates): Saile sinapereke poyera mitengo yeniyeni ya chindapusa (APR - Annual Percentage Rate) pa mitundu yake yonse ya ngongole. Izi zikutanthauza kuti wobwereka ayenera kufunsa ndikudziwa bwino mitengoyi asanavomereze kubwereka.
• Nthawi Yobwezera (Tenors): Nthawi zobwezera ngongole zimasiyana malingana ndi mtundu wa ngongole. Zimayambira pa mwezi umodzi (kwa Payday Loans) mpaka miyezi 12 (kwa Executive ndi Business Loans).
• Njira Yobwezera (Repayment): Makasitomala amatha kubwezera ngongole zawo mwa kupereka ndalama ku nthambi za Saile kapena kudzera mu njira yochotsera ndalama ku malipiro awo a mwezi uliwonse.
• Chitsimikizo (Collateral & Guarantees): Kupatula ngongole za Payday, mitundu ina yonse ya ngongole imafunikira chitsimikizo. Izi zikuphatikizapo katundu wapakhomo (monga mabedi, mafiriji, ma TV), magalimoto, kapena munthu wobwezera ngongole (guarantor).

Njira Yopemphera Ngongole ndi Zofunikira Zake

Njira yopemphera ngongole ku Saile imakhala yosavuta, koma imafunikira zikalata zosiyanasiyana komanso kudutsa m'njira zingapo zovomerezeka.

Njira Zopempherera:

• Nthambi za Kampani: Mukhoza kupita ku nthambi za Saile ku Mzuzu, Lilongwe, Blantyre, Karonga, kapena Zomba kuti mukapemphe ngongole.
• Website ya Kampani: Saile ili ndi website kumene mungathe kutsitsa mafomu opemphera ngongole, koma palibe pulogalamu yapadera ya pa foni kapena njira yopempherera pa intaneti.

Njira Yovomerezera Ngongole:

1. Kupereka Fomu: Mukapereka fomu yanu yopemphera ngongole komanso zikalata zofunikira, kampaniyo imayamba kuunika pakompyuta.
2. Kuyendera Malo: Kwa ngongole zina monga za Miyezi Itatu, Miyezi Isanu ndi Umodzi, Zapadera, Zazikulu, ndi za Mabizinesi, akuluakulu a Saile amabwera kudzawona malo anu kapena bizinesi yanu.
3. Kuvomereza ndi Komiti: Chigamulo chomaliza chokhudza kuvomereza ngongole chimapangidwa ndi komiti yapadera yoyang'anira ngongole.

Zofunikira pa Ngongole (Underwriting & Credit Scoring):

Saile imagwiritsa ntchito njira yoyang'ana pamanja popanga zigamulo zokhudza ngongole. Zimafunikira zikalata monga:

• Ma bank statement.
• Payslips (kalata ya malipiro).
• Kuunika kwa ndalama zomwe zimalowa ndi kutuluka (cash-flow analysis).
• Zikalata za bizinesi (kwa eni mabizinesi).

Pakadali pano palibe njira yodziwikiratu yogwiritsira ntchito makina pakupanga zigamulo za ngongole.

Njira Zoperekera Ngongole:

• Cheque: Nthawi zambiri, ngongole imaperekedwa ngati cheque yomwe mungathe kukatenga ku nthambi ya Saile.
• Kusamutsa ku Banki kapena Mobile Money: Mungathe kupeza ngongole kudzera mu akaunti yanu ya banki kapena mwa njira za mobile money, malingana ndi zomwe zilipo pa nthambi yanu.

Kugwiritsa Ntchito Mapulogalamu a pa Foni ndi Ukhondo Wosamalira Makasitomala

M'nthawi ino ya digito, makampani ambiri amafunika kukhala ndi njira zopempherera ngongole pa intaneti kapena kudzera m'mapulogalamu a pa foni. Kwa Saile Financial Services:

• Website: Saile ili ndi website yomwe imapereka zambiri zokhudza kampaniyo komanso kumene mungatsitse mafomu opemphera ngongole.
• Mapulogalamu a pa Foni (Mobile App): Pakadali pano, palibe pulogalamu ya pa foni ya Saile Financial Services yomwe ikupezeka poyera pa iOS (mafoni a Apple) kapena Android. Palibenso njira yopempherera ngongole pa intaneti kudzera mu akaunti ya kasitomala. Izi zikutanthauza kuti makasitomala ambiri amadalira kupita ku nthambi kapena kutsitsa mafomu pa website. Izi zitha kukhala mwayi kwa Saile kuti ipititse patsogolo ntchito zake zadigito mtsogolo.

Ulamuliro ndi Chilolezo

Chilolezo chogwira ntchito ndi chinthu chofunikira kwambiri pa bizinesi iliyonse ya zachuma. Saile Financial Services ili ndi chilolezo chovomerezeka:

• Chilolezo ku RBM: Kampaniyi ili ndi chilolezo chovomerezeka kuchokera ku Reserve Bank of Malawi pansi pa Microfinance Act NDMFI 017/22, zomwe zikutsimikizira kuti imagwira ntchito motsatira malamulo adziko.
• Kugwirizana ndi Malamulo: Saile imatsatira malangizo a FinES (Financial Inclusion and Entrepreneurship Scaling) project okhudza chitetezo cha makasitomala komanso malangizo a KYC (Know Your Customer) ndi AML (Anti-Money Laundering). Palibe zochitika zapoyera zokhudza zilango za malamulo kapena mavuto ena omwe kampaniyi yadzudzulidwa nawo.

Ndemanga za Makasitomala ndi Malo a Kampani pa Msika

Kufufuza za ndemanga za makasitomala komanso momwe kampani ikuyendera pa msika kumathandiza kudziwa mphamvu zake ndi zofooka zake.

• Ndemanga za pa Intaneti: Pakadali pano, palibe ndemanga zambiri za makasitomala za Saile zomwe zasonkhanitsidwa poyera pa intaneti. Izi zitha kukhala chifukwa chakuti kampaniyo sinakhazikitsebe njira zamakono zotengera ndemanga za makasitomala pa intaneti.
• Madandaulo Odziwika: Madandaulo ena omwe angakhalepo akhoza kukhala kusowa kwa chidziwitso chokwanira cha mitengo ya chindapusa poyera, komanso kusowa kwa njira zambiri zopempherera ngongole pa digito.
• Mphamvu Zake: Saile ndi imodzi mwa makampani 32 omwe akutenga nawo mbali pa FinES project mothandizidwa ndi World Bank, zomwe zathandiza kuti ikulitse bizinesi yake komanso kufikira makasitomala ambiri. Idakhalapo kwa zaka pafupifupi 20, zomwe zikuonetsa kuti ndi kampani yodalirika komanso yodziwika bwino.

Kufanizira ndi Ofanana nawo pa Msika ku Malawi

Saile imagwira ntchito pa msika wopikisana kwambiri ku Malawi, kumene kuli makampani ena ambiri obwereketsa ngongole ang'onoang'ono. Opikisana nawo akuluakulu akuphatikizapo FINCA, VisionFund, CUMO, Pinnacle Financial Services, Nyasa Capital, ndi Digital Microcredit.

Kusiyanitsa Kwake Saile:

• Kupereka Ngongole Mofulumira: Ngongole za Payday za Saile zimaperekedwa mofulumira kwambiri, mkati mwa mphindi 30. Izi zimapangitsa kuti ikhale yosiyana ndi ena.
• Njira Zosavuta: Njira zopempherera ngongole zimakhala zosavuta, ndipo ngongole za Payday sizifunikira wobwezera ngongole.
• Mbiri Yakale: Pokhala ndi zaka pafupifupi 20 zogwira ntchito, Saile ili ndi mbiri yakale komanso chidaliro chochokera kwa makasitomala ake.

Saile ikugwirizana ndi World Bank kudzera mu FinES project, zomwe zikuyithandiza kuti ikulitse ntchito zake ndipo ili ndi chikhumbo chokulitsa bizinesi yake mpaka kumayiko ena mtsogolo.

Malangizo kwa Anthu Ofuna Kubwereka Ngongole ku Saile

Ngati mukuganiza zobwereka ngongole kuchokera ku Saile Financial Services, nawa malangizo othandiza kuti mutenge chisankho chanzeru:

• Dziwani Mitengo Yeniyeni ya Chindapusa: Popeza Saile sichipereka mitengo ya APR poyera, ndikofunikira kwambiri kuti mufunse ku nthambi zawo ndikumvetsa bwino mitengo yonse ya chindapusa musanasayine mgwirizano uliwonse. Funsani za mitengo ya pamwezi komanso ya pachaka.
• Mvetsetsani Malipiro Onse: Kumbukirani kuti pali malipiro a 8.5% otchedwa "Administration Fee" omwe amachotsedwa nthawi yomweyo ngongoleyo itaperekedwa. Onetsetsani kuti mukumvetsetsa kuti ndalama zomwe mudzalandira zidzakhala zochepa pang'ono chifukwa cha malipirowa.
• Konzekerani Zikalata Zofunikira: Chifukwa njira yovomerezera ngongole imafunikira zikalata zambiri (bank statement, payslips, zikalata za bizinesi), onetsetsani kuti muli nazo zonsezi musanapemphe ngongole kuti mufulumizitse ntchitoyo.
• Ganizirani za Chitsimikizo: Pokhapokha ngati mupempha ngongole ya Payday, mudzafunika chitsimikizo. Konzekerani kupereka katundu wapakhomo, galimoto, kapena kupeza wobwezera ngongole. Onetsetsani kuti mukumvetsa bwino zomwe zingachitike ngati simungathe kubwezera ngongole.
• Gwiritsani Ntchito Nthambi za Saile: Popeza kulibe pulogalamu ya pa foni yopempherera ngongole, njira yabwino kwambiri yopempherera ngongole komanso kufunsa mafunso ndi kupita ku nthambi za Saile. Kudzakuthandizani kupeza chithandizo champhamvu kuchokera kwa antchito awo.
• Bwereka Zomwe Mungathe Kubweza: Ngakhale kuti Saile imapereka ngongole zambiri, nthawi zonse bwerekani ndalama zomwe mukudziwa kuti mungathe kubweza popanda mavuto kuti musadzavutike ndi ngongole.

Saile Financial Services ikupereka mwayi wofunikira kwa anthu ambiri ku Malawi omwe amafunikira ndalama. Mwa kumvetsa bwino ntchito zake, malamulo ake, ndi kutsatira malangizo omwe tapereka, mutha kugwiritsa ntchito mwayiwu kuti mukwaniritse zosowa zanu za zachuma moyenera.