Select Financial Services Malawi

Monga akatswiri a zachuma komanso olemba nkhani, tikufuna kukufotokozerani zambiri zokhudza Select Financial Services Malawi (yomwe imatchedwanso Select Malawi), kampani yodziwika bwino yobwereketsa ndalama zazing'ono ku Malawi. Tikuyenera kuwunika momwe kampaniyi imagwirira ntchito, ngongole zomwe imapereka, komanso zotsatira zake pa msika wa zachuma ku Malawi. Cholinga chathu ndi kukupatsani chidziwitso chonse kuti muthe kusankha bwino ngati mukufuna kubwereka ndalama kuchokera kwa iwo.

Kuwunika kwa Kampani ndi Mbiri Yake ku Malawi

Select Financial Services Malawi Limited ndi kampani yobwereketsa ndalama zazing'ono (microfinance institution) yomwe siyilandira madipoziti, yomwe imayang'ana kwambiri kupereka ngongole zosafunikira chivomerezo kwa antchito aboma komanso anthu ena omwe mabanki akuluakulu savutikira kuwafikira. Kampaniyi inalemebedwa mwalamulo pa 20 December 2007 pansi pa lamulo la Companies Act ku Malawi, ndipo inayamba kugwira ntchito mu February 2011.

Chiyambi ndi Umwini

Select Malawi ndi mwana wa kampani ya Select Africa Finance Limited (SEFL), yomwe ili ku Mauritius. Kampani yayikulu yomwe ili ndi umwini wonse ndi Select Africa Limited, yomwe inalemebedwa ku Isle of Man. Bungwe lonse la Select Africa Finance Group limagwira ntchito m'maiko asanu aku Africa: Eswatini, Lesotho, Kenya, Malawi, ndi Uganda. Izi zikuonetsa kuti Select Malawi ndi gawo la bungwe lalikulu la zachuma lomwe lili ndi zokumana nazo zambiri.

Njira Yogwirira Ntchito ndi Makasitomala Oyenera

Bizinesi ya Select Malawi ndi yobwereketsa ndalama zochepa, ndipo ndalama zomwe imagwiritsa ntchito zimachokera ku ma equity, mapulogalamu obwereketsa ndalama zapakati, komanso ngongole zochokera ku mabungwe osiyanasiyana, kuphatikizapo mabungwe otukula dziko. Makasitomala ake oyenerera kwambiri ndi antchito aboma a ku Malawi—monga aphunzitsi, antchito a zaumoyo, komanso antchito ena aboma—omwe nthawi zambiri sapeza ngongole zosavuta kuchokera ku mabanki ogulitsa anthu. Komanso, amaperekanso ngongole kwa anthu omwe ali ndi malipiro ofuna ngongole zosafunikira chivomerezo zothandiza pa moyo wawo kapena kumanga nyumba pang’onopang’ono.

Atsogoleri ndi Maofesi

Mtsogoleri wamkulu wa kampaniyi ndi Akuzike Kafwamba. Ofesi yayikulu ya Select Malawi ili ku Centre House Arcade, Robert Mugabe Crescent, ku Lilongwe, ndipo ili ndi nthambi zina ku Blantyre ndi Mzuzu. Izi zikuonetsa kuti ili ndi mphamvu yogwira ntchito m'madera osiyanasiyana a dziko la Malawi.

Ntchito Zobwereketsa Ndalama ndi Mawu Oyambira

Select Malawi imapereka ngongole ziwiri zazikulu, zopangidwa kuti zikwaniritse zosowa zosiyanasiyana za makasitomala ake.

Ngongole za Flexi Loan

Iyi ndi ngongole yomwe imachotsedwa pa malipiro, yomwe imapereka mwayi wopeza ndalama zosiyanasiyana. Ndi ngongole yosavuta kupeza yothandiza pazosowa za tsiku ndi tsiku.

• Ndalama: Kuchokera ku MWK 100,000 mpaka MWK 4,000,000.
• Nthawi Yobweza: Kuchokera pa mwezi umodzi mpaka miyezi 72 (zaka 6).
• Kuvomereza ndi Kupereka: Kuvomereza kumatenga maola 24 okha, ndipo ndalama zimatulutsidwa tsiku lomwelo.
• Chivomerezo: Ngongoleyi safuna chivomerezo china chilichonse kupatula chilolezo choti ngongoleyo izichotsedwa pa malipiro anu mwezi uliwonse.

Ngongole za Incremental Housing Loan (Ngongole Zanyumba Zomanga Pang'onopang'ono)

Ngongoleyi ndi yapadera chifukwa imathandiza anthu kumanga kapena kukonza nyumba zawo pang'onopang'ono. Ntchito imeneyi ndi yothandiza kwambiri chifukwa anthu ambiri ku Malawi alibe mwayi wopeza ngongole zanyumba zomwe zimafuna chikalata cha malo kapena zivomerezo zambiri.

• Ndalama: Palibe mtengo wina wokhwima womwe wanenedwa poyera; amakonzedwa kuti agwirizane ndi magawo osiyanasiyana a kumanga kapena kukonza nyumba.
• Nthawi Yobweza: Nthawi zambiri imakhala miyezi 24 mpaka 84.
• Kapangidwe: Amapereka ngongole zazing'ono zotsatizana kutengera momwe wobwereketsayo akubwezera komanso kuthekera kwake.
• Chivomerezo: Safuna chikalata cha malo kapena chivomerezo china. M'malo mwake, amapereka thandizo la akatswiri ndipo amatsatira kubweza kwanu mosamala.
• Inshuwalansi: Ngongolezi zimakhala ndi inshuwalansi ya moyo yophatikizidwa.

Mitengo ya Chiwongola Dzanja ndi Malipiro

Ngakhale Select Malawi sinawulule poyera mitengo yeniyeni ya chiwongola dzanja kapena malipiro ena, tingathe kuyerekezera kuchokera ku zambiri za bungwe lonse kuti chiwongola dzanja chikhoza kukhala pakati pa 25% mpaka 50% pachaka. Izi ndi zongoyerekeza chabe, choncho ndikofunikira kufunsa Select Malawi kuti akuuzeni mitengo yeniyeni musanabwereke.

• Malipiro Oyambira (Origination/Processing Fees): Malipiro oyambira amagwiritsidwa ntchito, koma zambiri sizinafotokozedwe.
• Malipiro Ochedwetsa Kubweza (Late Payment Fees): Amachotsedwa tsiku lililonse ngati machedwetsa kubweza.

Kayendetsedwe ka Ntchito ndi Ukadaulo Wogwiritsidwa Ntchito

Select Malawi imagwiritsa ntchito njira zosiyanasiyana zothandizira makasitomala ake kupeza ngongole mosavuta.

Njira Zoperekera Ngongole

• Njira ya USSD: Makasitomala amatha kuimba nambala ya USSD *38420# kuti apemphe kuwonjezera ngongole ya Flexi Loan. Izi zimathandiza kwambiri anthu omwe alibe mwayi wopeza intaneti kapena amakonda kugwiritsa ntchito foni yawo yachikhalidwe.
• Intaneti (Web): Mutha kufunsira ngongole kudzera pa webusaiti yawo, yomwe imapereka chidziwitso cha ngongole komanso mwayi wofunsira.
• M'nthambi ndi Nthumwi: Mutha kucheza m'nthambi zawo kapena kudzera mwa nthumwi zawo zomwe zimayendayenda, zomwe zimathandiza anthu m'madera akumidzi ndi m'matauni.

Zofunikira pa Kuyambira (KYC) ndi Kufunsira

Pofunsira ngongole, Select Malawi imatsatira malangizo a Reserve Bank of Malawi kuti adziwe makasitomala awo bwino. Amagwiritsa ntchito njira za digito komanso kuwunika malipiro.

• Zikalata Zofunikira: Khadi la ID la dziko, chidziwitso cha malipiro (payroll slip), ndi kalata yotsimikizira ntchito kuchokera kwa abwana anu.
• Kuwunika Ngongole: Amagwiritsa ntchito njira yodziwira kuthekera kobweza ngongole pa malipiro anu, komanso ali ndi njira yawoyawo ya digito yoyezera ngongole. Ngongole zanyumba zimawunikidwa ndi akatswiri.

Njira Zoperekera Ndalama

Ndalama zikavomerezedwa, zimatulutsidwa mwachangu:

• Ku Banki: Zimatulutsidwa ku akaunti yanu ya banki yotsimikiziridwa.
• Ndalama pa Foni (Mobile Money): Akukonzekera kuphatikiza ntchito za Mpamba ndi Airtel Money kuti zithandize kutumiza ndi kulandira ndalama.
• Ndalama Kuchokera ku Nthambi: Ngati kuli kofunikira, mutha kulandira ndalama m'manja kuchokera ku nthambi zawo.

Kusonkhanitsa Ngongole ndi Kubweza

Select Malawi ili ndi njira zamphamvu zosonkhanitsira ngongole, ndipo bungwe lonse limasonkhanitsa ngongole zoposa 96%. Izi zimachitika makamaka kudzera mu kuchotsedwa kwa malipiro. Amagwiritsanso ntchito mameseji okumbutsa komanso nthumwi zoyendayenda kuti zifike kwa anthu osayankha.

Mkhalidwe Walamulo, Udindo pa Msika, ndi Malangizo kwa Obwereketsa

Ndife ofunika kudziwa momwe kampani imagwirira ntchito pansi pa malamulo a dziko komanso udindo wake pa msika wa zachuma.

Layisensi ndi Ulamuliro

Select Financial Services Malawi ili ndi layisensi kuchokera ku Reserve Bank of Malawi ngati bungwe la microfinance pansi pa Microfinance Act. Izi zikutanthauza kuti imagwira ntchito pansi pa malamulo komanso kuwunika kwa boma la Malawi. Komanso, malamulo ake ochotsera malipiro ndi ovomerezedwa ndi maofesi a malipiro a boma, zomwe zikuonetsa kukhulupirika kwake.

Kampaniyi ili ndi mbiri yabwino pakutsatira malamulo, ndipo palibe zochitika zoipa zalamulo zomwe zanenedwa poyera. Imapezeranso malamulo a 2005 Customer Due Diligence (CDD) a mabanki ndi mabungwe azachuma.

Kuteteza Ogwiritsa Ntchito

Select Malawi imayesetsa kuwulula momveka bwino mawu ndi zikhalidwe za ngongole kudzera pa USSD komanso makontrakiti operekedwa. Kuphatikiza apo, inshuwalansi ya moyo yomwe imaphatikizidwa mu ngongole zanyumba komanso njira zowonetsetsa kuti munthu akhoza kubweza ngongole zimathandiza kuteteza makasitomala ake.

Udindo pa Msika ndi Mpikisano

Select Malawi ili m'gulu la makampani atatu apamwamba a microfinance ku Malawi malinga ndi kuchuluka kwa ngongole (loan book), pamodzi ndi FINCA ndi VisionFund. Izi zikuonetsa kuti ndi kampani yofunika kwambiri pa msika wa zachuma ku Malawi. Ikuyerekezeredwa kuti ili ndi gawo la 17% pa msika wa microfinance wa bungwe lonse la Select Africa.

Zomwe Zimasiyanitsa ndi Ena

Select Malawi imadziwika bwino chifukwa cha:

• Kuyang'ana pa Antchito Aboma: Makamaka amayang'ana makasitomala awo pa antchito aboma omwe ali ndi malipiro okhazikika.
• Ngongole za Nyumba Zosafuna Chivomerezo: Ntchito yake yapadera yopereka ngongole zanyumba zomanga pang'onopang'ono popanda chikalata cha malo ndi yosiyana ndi ena.
• Njira ya Digito Yosavuta: Kugwiritsa ntchito USSD kumapangitsa kuti ngongole zikhale zopezeka mosavuta.

Kukula ndi Kukulira

Kampaniyi inakula ndi 17% pa kuchuluka kwa ngongole zake ku Malawi mu chaka cha 2022. Akukonzekeranso kuyambitsa pulogalamu ya ma bond a MTN akomweko komanso kukulitsa kuphatikiza ntchito za ndalama pa foni (mobile money).

Zokumana nawo za Ogwiritsa Ntchito

Pali malipoti osiyanasiyana kuchokera kwa makasitomala:

• Zabwino: Makasitomala ambiri amayamikira kuvomereza ngongole mwachangu (pasanathe maola 24), kuwonjezera ngongole kudzera pa USSD, komanso thandizo la akatswiri ogwira ntchito zanyumba.
• Zoyipa: Zina mwazotsutsidwa zikuphatikizapo kusokonezeka kwa njira ya USSD nthawi zina, kufunikira kofotokozera momveka bwino za malipiro, komanso kuchedwa kwa nthumwi zocheza nawo.

Kampaniyi imaperekanso thandizo la makasitomala maola 24 pa tsiku kudzera pa nambala ya foni (+265 887 386 343), komanso ili ndi akatswiri oyendayenda (field officers) pothandiza makasitomala akumadera akutali.

Malangizo Othandiza kwa Omwe Akufuna Kubwereka Ndalama

Ngati mukuganiza zobwereka ndalama kuchokera ku Select Financial Services Malawi, tili ndi malangizo awa kwa inu:

1. Werengani Moyenera Mawu ndi Zikhalidwe: Onetsetsani kuti mwawerenga, kumvetsetsa, ndipo mwagwirizana ndi mawu ndi zikhalidwe zonse za ngongole musanasayine. Funsani mafunso ngati pali chinthu chomwe simukumvetsa.
2. Dziwani Chiwongola Dzanja ndi Malipiro Onse: Ngakhale mitengo yeniyeni siinawululidwe poyera, ndikofunikira kuti mufunse Select Malawi kuti akufotokozereni momveka bwino chiwongola dzanja, malipiro oyambira, komanso malipiro a kuchedwetsa musanabwereke.
3. Onetsani Kuthekera Kwanu Kobweza: Onetsetsani kuti mukhoza kubweza ngongoleyo mosavuta pogwiritsa ntchito malipiro anu. Simuyenera kubwereka ndalama zambiri kuposa zomwe mungathe kubweza.
4. Gwiritsani Ntchito Njira za Digito Moyenera: Ngati mugwiritsa ntchito USSD, onetsetsani kuti muli ndi siginecha yabwino ndipo mumatsatira malangizo mosamala.
5. Pemphani Thandizo la Akatswiri: Ngati mukufuna ngongole zanyumba, gwiritsani ntchito mwayi wopeza thandizo la akatswiri a nyumba omwe kampani imapereka.

Pomaliza, Select Financial Services Malawi ndi kampani yotchuka komanso yodalirika yobwereketsa ndalama ku Malawi, makamaka kwa antchito aboma komanso omwe akufuna kumanga nyumba zawo pang'onopang'ono. Ngati mwasankha kubwereka kuchokera kwa iwo, onetsetsani kuti mwamvetsetsa bwino zonse ndikubwereka moyenera.