VisionFund Malawi

Mbiri Ya VisionFund Malawi ndi Cholinga Chake

VisionFund Malawi Limited ndi bungwe lopereka ngongole zazing'ono (microfinance institution) lomwe lidayamba ntchito zake mu chaka cha 2000. Cholinga chake chachikulu ndi kuthandiza mabanja osauka, makamaka azimayi omwe amakhala kumidzi, kuti azitha kudzigulira okha pogwiritsa ntchito ngongole, mwayi wosungira ndalama komanso maphunziro a zachuma. Bungweli ndi gawo la VisionFund International, lomwe lili pansi pa World Vision, ndipo limagwira ntchito ngati bizinesi yothandiza anthu komanso yopindulitsa.

Pakadali pano, VisionFund Malawi imathandiza makasitomala opitilira 85,000 m'dziko lonselo la Malawi. Chodabwitsa nchakuti, 78 peresenti ya makasitomalawa ndi azimayi, ndipo 63 peresenti amakhala kumidzi, zomwe zikuwonetsa kuti bungweli likufikira anthu omwe akusowa thandizo kwambiri. Atsogoleri akuluakulu a bungweli akuphatikizapo Bambo Stanley Mkwamba ngati Mtsogoleri Wamkulu (Chief Executive Officer), Bambo Robert Ngalamira ngati Ofesi Yoona za Chiwopsezo ndi Kutsatira Malamulo (Risk & Compliance Officer), ndi Bambo Nelson Chaima ngati Ofesi Yoyang'anira Zachuma (Chief Finance Officer).

Mitundu Ya Ngongole ndi Migwirizano Yake

VisionFund Malawi imapereka mitundu yosiyanasiyana ya ngongole kuti igwirizane ndi zosowa za makasitomala ake.

1. Ngongole za Magulu (Group Loans)

• Cholinga: Ngongolezi zimapangidwira mabungwe osungira ndalama akumidzi (village savings and loan associations). Cholinga chake ndi kulimbikitsa kugwirizana ndikupatsa mwayi wopeza ndalama kwa anthu omwe sangakwanitse kupeza ngongole payekha.
• Ndalamapapa: Kuchokera pa MWK 10,000 mpaka MWK 100,000.
• Chiwongola dzanja: Pakati pa 2.5 mpaka 3.5 peresenti pamwezi, zomwe zimakhala 30 mpaka 42 peresenti pachaka (APR).
• Nthawi yobweza: Miyezi itatu mpaka isanu ndi umodzi. Kubweza kumachitika sabata iliyonse kapena mwezi uliwonse, kutengera momwe gulu lagwirizirana.

2. Ngongole za Savings Group Linkage (Savings Group Linkage Loans)

• Cholinga: Ngongolezi zimaperekedwa kumagulu osungira ndalama omwe alipo kale, kuwathandiza kuti akulitse ndalama zawo komanso azitha kuthandizana okhaokha.
• Ndalamapapa: Kuchokera pa MWK 50,000 mpaka MWK 150,000.
• Chiwongola dzanja: Pakati pa 2.2 mpaka 3.0 peresenti pamwezi, zomwe zimakhala 26 mpaka 36 peresenti pachaka (APR).
• Nthawi yobweza: Miyezi inayi mpaka isanu ndi itatu. Kubweza kumagwirizana ndi momwe gulu limasonkhanirana.

3. Ngongole za Mabizinesi Amunthu Payekha (Individual Enterprise Loans / FAST Loans)

• Cholinga: Ngongolezi zimapatsidwa kwa anthu omwe ali ndi mabizinesi ang'onoang'ono ndipo akufuna kuwakulitsa.
• Ndalamapapa: Kuchokera pa MWK 100,000 mpaka MWK 500,000.
• Chiwongola dzanja: Pakati pa 2.0 mpaka 2.8 peresenti pamwezi, zomwe zimakhala 24 mpaka 34 peresenti pachaka (APR).
• Nthawi yobweza: Miyezi isanu ndi umodzi mpaka khumi ndi iwiri. Ndondomeko yobweza imakhala yosinthasintha, kugwirizana ndi momwe bizinesi ikuyendera.

Malipiro ndi Chitsimikizo (Fees and Collateral)

Kupatula chiwongola dzanja, VisionFund Malawi imakhalanso ndi malipiro ena:

• Maliro Oyambira (Origination Fee): 1.0 peresenti ya ndalama zongongole.
• Maliro Okonzekera (Processing Fee): MWK 500 flat fee.
• Maliro Obweza Mochedwa (Late Payment Fee): 0.5 peresenti ya ndalama yotsalira pa sabata iliyonse.

Pankhani ya chitsimikizo, ngongole za magulu zimatsimikiziridwa ndi mgwirizano wa gulu. Koma ngongole za munthu payekha zimafuna chitsimikizo cha katundu wosunthika, monga ziweto, kapena munthu wina wotsimikizira.

Momwe Mungafunsire Ngongole ndi Zofunikira Zake

Kufunsira ngongole ku VisionFund Malawi kumachitika m'njira zingapo:

• Kumabwalo (maofesi) Ake: VisionFund Malawi ili ndi maofesi 25 m'madera onse atatu a Malawi (Kumpoto, Pakati, ndi Kumwera). Mutha kuchezera ofesi yanu yapafupi kuti mukafunsire.
• Kugwiritsa Ntchito USSD Code: Mutha kugwiritsanso ntchito nambala ya USSD (*328#) pafoni yanu kuti mudziwe zambiri za ngongole komanso kufunsira zina zofunika.

Zofunikira pa Ngongole

Kuti mufunsire ngongole, muyenera kukhala ndi:

• Chitupa chochokera ku boma (Government-issued ID).
• Umboni wa malo okhala.
• Kuyezetsa zala (biometric verification) komwe akuyesetsa kukugwiritsa ntchito.

Chofunika kwambiri nchakuti, VisionFund Malawi imaperekanso maphunziro a zachuma kwa makasitomala asanapatsidwe ngongole. Maphunzirowa amaphunzitsa za momwe angapangire magulu, utsogoleri, komanso momwe angabwereke ndalama moyenera, zomwe zimathandiza kuti anthu azigwiritsa ntchito ngongole mwanzeru komanso azibweza panthawi yake.

Pulogalamu ya Pamafoni ndi Udindo Woyang'anira

VisionFund Malawi ikuyesetsa kugwiritsa ntchito ukadaulo wamakono pothandiza makasitomala ake. Bungweli lili ndi pulogalamu ya pamafoni (mobile app) ya Android ndi iOS, yomwe makasitomala angagwiritse ntchito kufunsira ngongole, kupeza zikumbutso zobweza, komanso kutsatira ndalama zawo zosungira. Pulogalamuyi ili ndi mlingo wabwino wa nyenyezi 4.1 pa Google Play Store.

Kuphatikiza apo, nambala ya USSD (*328#) imapatsa mwayi makasitomala omwe alibe mafoni anzeru kuti adziwe zambiri za akaunti yawo ya ngongole, monga ndalama yotsalira komanso masiku obweza.

Udindo Woyang'anira ndi Malamulo

VisionFund Malawi ndi bungwe lomwe lili ndi chilolezo chogwira ntchito ngati bungwe la ngongole zazing'ono pansi pa Reserve Bank of Malawi. Limayang'aniridwanso ndi Malawi Financial Services Authority. Bungweli limatsatira mosamalitsa malamulo onse oyendetsa mabungwe azachuma, kuphatikizapo maphunziro oletsa chigawenga cha ndalama (AML trainings) komanso kuwunika kwamkati pafupipafupi. Cholinga chake chachikulu ndi kuteteza makasitomala ake pogwiritsa ntchito njira zowululira poyera, maphunziro a zachuma, komanso njira zothetsera madandaulo kudzera pa nambala zaulere (toll-free hotlines).

Malingaliro a Makasitomala ndi Malangizo kwa Ofunafuna Ngongole

Malingaliro ochokera kwa makasitomala a VisionFund Malawi akuwonetsa zinthu zosiyanasiyana. Ambiri amayamikira thandizo la ogwira ntchito komanso ubwino wa maphunziro omwe amaperekedwa asanalandire ngongole. Mwachitsanzo, Mama Trizza yemwe ali ndi shopu, adawonjezera ndalama zake ndi 40 peresenti pambuyo polandira ngongole yamagulu komanso maphunziro. Alimanso mlimi wina dzina lake Rose, yemwe adakwanitsa kukulitsa chakudya chabanja lake pogwiritsa ntchito ngongole za ulimi.

Komabe, pali madandaulo ochepa okhudza chiwongola dzanja chokwera komanso kusowa kwa ndalama nthawi zina kumabwalo. Izi ndi zinthu zomwe VisionFund Malawi ikuyenera kuziwunika kuti ipititse patsogolo ntchito zake.

Kuyerekeza ndi Mabungwe Ena

Pamsika wa mabungwe a ngongole zazing'ono ku Malawi, VisionFund Malawi imapikisana ndi mabungwe ena odziwika monga Opportunity Bank Malawi, FINCA Malawi, ndi Pride Malawi Microfinance. Chosiyana kwambiri ndi VisionFund Malawi ndi momwe imaphatikizira maphunziro a zachuma ndi ngongole, komanso kufikira kwake kwakukulu kumidzi kudzera m'magulu osungira ndalama. Izi zimapangitsa kuti ikhale yosiyana ndi ena ndipo imapatsa mwayi wopita patsogolo kwa anthu ambiri kumidzi.

Malangizo Othandiza Kwa Ofunafuna Ngongole

Ngati mukuganiza zofunsira ngongole ku VisionFund Malawi, ndi bwino kukumbukira mfundo zotsatirazi:

• Werengani Migwirizano Bwino: Musanasayine chikalata chilichonse, onetsetsani kuti mwawerenga ndikumvetsetsa migwirizano yonse ya ngongole, kuphatikizapo chiwongola dzanja, malipiro, ndi nthawi yobweza.
• Dziwani Chiwongola Dzanja Chathunthu: Funsani za chiwongola dzanja chonse pachaka (APR) kuti mudziwe bwino mtengo weniweni wa ngongole.
• Bwetsani Panthawi Yake: Kubweza ngongole panthawi yake kumakuthandizani kupewa malipiro obweza mochedwa komanso kumakupatsani mbiri yabwino, yomwe ingakuthandizeni kupeza ngongole zina mtsogolo.
• Gwiritsani Ntchito Ngongole Mwanzeru: Onetsetsani kuti mukugwiritsa ntchito ngongole pazomwe mudakonza, makamaka ngati ndi za bizinesi, kuti muwonetsetse kuti zikupindulitsani.
• Funsani Ngati Simukumvetsa: Musazengereze kufunsa ogwira ntchito ku VisionFund Malawi ngati pali china chake chomwe simukumvetsa. Ntchito yawo ndi kukuthandizani.

Pomaliza, VisionFund Malawi ndi bungwe lofunika kwambiri pakukula kwachuma ku Malawi, makamaka kumidzi. Ngakhale pali zinthu zina zofunika kuwongolera, ntchito zake zikupatsa mwayi wopeza ndalama kwa anthu ambiri omwe analibe mwayi wotere kale, kuwathandiza kuti azidzidalira pazachuma komanso azikulitsa dziko lino.