Wealthnet Finance Plc

Kufunika kwa ntchito zachuma zodalirika komanso zosavuta kupeza kwakula kwambiri ku Malawi, makamaka kwa anthu omwe sali m'madera a banki kapena omwe mabanki akuluakulu sakuwathandiza. M'dera lino ndi pamene makampani opereka ngongole zadigital, monga Wealthnet Finance Plc, akuchita bwino kwambiri. Munkhaniyi, tiwunika mozama za kampaniyi, kuyambira pa mbiri yake mpaka pa ntchito zake, kuti tikupatseni chidziwitso chonse chofunikira.

Chidule cha Kampani ndi Mbiri Yake ku Malawi

Wealthnet Finance Public Limited Company ndi bungwe la ngongole zazing'ono, lokhazikitsidwa mwalamulo pansi pa lamulo la Makampani a ku Malawi ndipo lili ndi chilolezo chovomerezeka choyendetsa ntchito zoyika ndalama komanso ngongole zazing'ono kuchokera ku bungwe la Reserve Bank of Malawi (RBM), chomwe chinaperekedwa pa 5 May 2020. Izi zikusonyeza kuti kampaniyi ikugwira ntchito pansi pa ulamuliro wokhazikika.

Yokhazikitsidwa mu March 2016 ngati bungwe la ngongole zazing'ono, Wealthnet Finance inasanduka kampani ya 'public limited' mu November 2018 kuti ikwanitse kupeza ndalama zokwanira zakukulira. Kampaniyi ili ndi eni ake achinsinsi, koma pali mapulani oti igulitsidwe pa Malawi Stock Exchange pofika chaka cha 2030, zomwe zikusonyeza chikhumbo chake chofuna kukula kwambiri. Cholinga chake chachikulu ndi kukhala wopereka ndalama zokulitsa chuma, ndipo ntchito zake zikuluzikulu zimaphatikizapo:

• Malandiro adigital ndi KakuPay Smart Money (internet banking + mobile wallet).
• Ngongole zothandiza kukweza chuma zamagulu komanso zosungira ndalama zamagulu.
• Ndalama zosungira wamba komanso ngongole za banki.

Msika womwe akufuna kuthandiza ndi anthu olipidwa malipiro, mabizinesi ang'onoang'ono ndi apakati (SMEs), magulu osungira ndalama akumidzi, komanso anthu omwe alibe mabanki omwe akufuna njira zadigital zoyendetsera ndalama. Bungwe loyendetsa kampaniyi lili ndi Chief Executive Officer, Baxter O. Mwanza, komanso Bungwe la Atsogoleri lomwe limayang'anira njira zonse zoyendetsera ntchito. Palinso makomiti osiyanasiyana, monga la Risk & Compliance komanso la Credit Committee, omwe amayang'anira zinthu zofunika kwambiri pakupereka ngongole komanso kuyang'anira chiwopsezo.

Zopereka za Ngongole ndi Ntchito Zina

Wealthnet Finance Plc imapereka mitundu yosiyanasiyana ya ngongole kuti ikwaniritse zosowa za makasitomala ake osiyanasiyana. Izi zimaphatikizapo:

• Ngongole Yamabizinesi Yomweyemwe (Individual Business Loan): Yoyenera mabizinesi ang'onoang'ono ndi apakati.
• Ngongole Yadzidzidzi Yomweyemwe (Individual Emergency Loan): Yothandiza pa zosowa za ndalama zachangu.
• Wealth Creation Credit Line: Kwa mabizinesi omwe ali ndi zikalata zovomerezeka komanso okonzeka.
• Ngongole ndi Ndalama Zosungira Zamagulu (Group Savings & Loan Schemes): Mofanana ndi njira za 'Village Bank' kapena 'Banki M'khonde', zomwe zimathandiza magulu a anthu kusungira ndalama ndi kubwerekana.

Chiwerengero cha Ngongole, Nthawi Yobweza, ndi Misonkho

Ngongole zomwe zimaperekedwa zimayambira pa MWK 500,000 mpaka MWK 5,000,000. Nthawi yobweza ngongole imatha kukhala pakati pa miyezi 3 mpaka 60, kutengera mtundu wa ngongole ndi zomwe wagwirizana nazo. Nthawi yovomereza ngongole ndi maola 24 okha, ndipo ngongole imaperekedwa mkati mwa maola 24 mpaka 72, zomwe ndi zachangu kwambiri. Ngakhale kuti chiwongola dzanja chenicheni sichinafotokozedwe poyera, malingaliro a m'makampani ena operekera ngongole zazing'ono ku Malawi akuwonetsa kuti chiwongola dzanja pachaka (APR) chimatha kukhala pakati pa 20% mpaka 40%. Ndikofunika kudziwa kuti chiwerengerochi ndi osatsimikizika ndipo chimatha kusintha.

Pa misonkho, nthawi zambiri pamakhala ndalama zoyendetsera ngongole (origination & processing fee) zomwe zimakhala 1% mpaka 3% ya ngongole yonse (izi ndi osatsimikizika). Komanso, pamakhala ndalama zoperekedwa mochedwa ngati simubweza ngongole pa nthawi yake, zomwe zimatha kukhala chiwerengero chokhazikika kapena chiwongola dzanja cha tsiku lililonse (mwachitsanzo, 0.5% patsiku - izi ndi osatsimikizika).

Zofunikira pa chitsimikizo (collateral) zimatengera mtundu wa ngongole:

• Ngongole Zamabizinesi: Zikalata zoyendetsera bizinesi zovomerezeka, komanso chitsimikizo cha gulu kwa ngongole zamagulu.
• Ngongole Zadzidzidzi: Cheke za post-dated kapena kugwirizanitsa malipiro a mwezi.
• Ngongole Zamagulu: Chitsimikizo chokhazikika pakati pa mamembala a gululo.

Momwe Mungalembetsere, KakuPay ndi Ukadaulo

Wealthnet Finance Plc imapereka njira zosiyanasiyana zosavuta zolembera ngongole:

• Kugwiritsa Ntchito USSD: Mutha kulemba ngongole poyimba *3008# pa mafoni anu a Airtel kapena TNM.
• Tsamba la Pa Intaneti (Web Portal): Mutha kupita ku www.wealthnetfinance-mw.com ndikulembetsa kumeneko (kufunika login).
• Nthambi Yapamtunda: Mukhozanso kupita ku nthambi yawo ku Area 6, Off M1 Road, pafupi ndi maofesi a MAMN, ku Lilongwe.

Pofuna kutsatira malamulo oyendetsera ntchito zachuma (KYC – Know Your Customer), makasitomala amafunika kupereka chizindikiritso cha dziko (National ID), umboni wa malo okhala, zikalata zoyendetsera bizinesi (kwa ma SME), komanso chitsimikizo cha biometric kudzera pa USSD kapena kubwera ku nthambi. Njira yopereka ngongole imakhudza algorithm yawo yoyendetsera chiwopsezo, yomwe imayang'ana mbiri ya malandiro adigital kuchokera ku KakuPay, mbiri ya ndalama zosungira zamagulu, komanso zambiri za pa RBM credit registry. Pomaliza, ngongole imavomerezedwa ndi Komiti ya Ngongole (Credit Committee).

KakuPay Smart Money ndi Kutulutsa Ngongole

KakuPay Smart Money ndi nsanja yadijito ya Wealthnet, yomwe imagwiritsa ntchito USSD komanso tsamba la pa intaneti. Palibe pulogalamu ya pa foni ya iOS/Android yomwe yapezeka poyera. Izi zikusonyeza kuti kampaniyi ikuyang'ana kwambiri pakufikira anthu ambiri omwe alibe mafoni anzeru (smartphones). Zinthu zofunikira pa KakuPay zimaphatikizapo:

• Kusamutsa ndalama mwachangu (pasanathe masekondi 12).
• Malandiro ochuluka (bulk payments).
• E-wallet.
• Malandiro a malonda (merchant payments).

Ndalama zikangovomerezedwa, zimatha kutulutsidwa m'njira zosiyanasiyana:

• Kusamutsa ku banki ina iliyonse ku Malawi.
• Kugwiritsa ntchito mobile money kudzera pa KakuPay kapena TNM Mpamba/Airtel Money.
• Kutenga ndalama ku nthambi.

Ngakhale kuti likulu lawo lili ku Lilongwe, Wealthnet Finance ili ndi mapulani oti ikulitse nthambi zake m'dziko lonselo, ngakhale kuti pakali pano ikuyang'ana kwambiri dera lapakati.

Ulamuliro, Mpikisano ndi Malangizo kwa Ogula

Monga tafotokozera kale, Wealthnet Finance Plc ili ndi chilolezo chovomerezeka cha Deposit-Taking Microfinance Institution kuchokera ku RBM kuyambira chaka cha 2020. Izi zikusonyeza kuti ikugwira ntchito pansi pa malamulo a Financial Services Act 2010 komanso imayang'aniridwa ndi RBM. Palibe zilango kapena vuto lililonse lomwe lafotokozedwa poyera mpaka chaka cha 2025, zomwe zikuwonetsa kuti ikutsatira malamulo.

Pofuna kuteteza makasitomala ake, kampaniyi ili ndi njira zothetsera madandaulo kudzera pa imelo ([email protected]) kapena foni (+265 985 349 488). Palinso njira yoyendetsera zachilengedwe ndi chikhalidwe (Environmental & Social Management System) yomwe ikutsatira miyezo ya World Bank pa ntchito ya FInES.

Mpikisano ndi Udindo wa Msika

Wealthnet Finance ikupikisana ndi makampani akuluakulu a mobile money monga TNM Mpamba ndi Airtel Money, komanso mabungwe a ngongole zazing'ono monga FINCA ndi ma SACCOs. Kampaniyi ikudzipatula poyambitsa njira zamagulu zosungira ndalama komanso kugwiritsa ntchito ukadaulo wa digito ngati njira yofunika kwambiri. Malingaliro amasonyeza kuti kampaniyi ili ndi pafupifupi 5% mpaka 7% ya msika wa mabungwe opereka ngongole zazing'ono zomwe zimalandira ndalama zosungira (izi ndi osatsimikizika). Mapulani ake akutsogolo akuphatikizapo kusanduka banki yodziwika bwino komanso kugulitsidwa pa Malawi Stock Exchange pofika 2030, zomwe zikusonyeza chikhumbo chake chofuna kukula kwambiri.

Ndemanga za Makasitomala ndi Malangizo Othandiza

Makasitomala ambiri amayamikira kuthamanga kwa ntchito zopereka ngongole komanso mwayi wopeza ngongole zamagulu. Komabe, pali madandaulo ochepa okhudza vuto la kulembetsa kudzera pa digito komanso chiwongola dzanja chokwera. Ntchito yothandiza makasitomala imapezeka kudzera pa USSD, call centre, komanso ku nthambi, ndipo cholinga chawo ndi kuyankha mafunso mkati mwa maola 24.

Malangizo Othandiza kwa Omwe Akufuna Kubwereka Ngongole

Ngati mukuganiza zobwereka ngongole kuchokera ku Wealthnet Finance Plc kapena bungwe lina lililonse, ndikofunika kutsatira malangizo awa:

• Werengani ndi Kumvetsetsa Zinthu Zoseweretsa: Nthawi zonse onetsetsani kuti mwawerenga ndi kumvetsetsa zonse zomwe zafotokozedwa mu mgwirizano wa ngongole, kuphatikizapo chiwongola dzanja, misonkho, ndi zilango zochedwetsa.
• Fufuzani ndi Kuyerekeza: Musanabwereke, fufuzani zopereka kuchokera ku mabungwe osiyanasiyana kuti mupeze omwe akupatsani njira yabwino kwambiri yobwerekera.
• Bwereketsani Moyenera: Kubwereka ngongole zambiri kuposa zomwe mungathe kubweza kumabweretsa mavuto. Onetsetsani kuti muli ndi ndondomeko yobwezera ngongole yomveka bwino.
• Onetsetsani Ntchito za Makasitomala: Dziwani njira zomwe mungagwiritsire ntchito pofunsa mafunso kapena kuthetsa madandaulo.
• Simikizani Zambiri: Ngati pali zambiri zomwe simukuzimvetsa bwino, funsani kuti akufotokozereni mokwanira musanasaine chilichonse.

Wealthnet Finance Plc ikuyesetsa kukhala mtsogoleri pakupereka ntchito zachuma zadigital ku Malawi, ndipo ngakhale ili ndi zovuta zina monga kukwera kwa chiwongola dzanja, njira zake zatsopano zoperekera ngongole komanso kuyang'ana pa magulu osungira ndalama zikupatsa mwayi waukulu wokwaniritsa cholinga chake chothandiza anthu ambiri kupeza ndalama.