Eager Loan

Ishusho Rusange ya Eager Loan n'Amateka yayo mu Rwanda (Cyangwa Kutabamo)

Eager Loan ni izina rikoreshwa mu bucuruzi ry'ikigo cyitwa Eager Wings Nigeria Limited, cyashinzwe muri Nigeria mu mwaka wa 2024, kandi kikaba cyanditswe ku mugaragaro mu mategeko y'iki gihugu. Iki kigo cyihariye ku gutanga inguzanyo mu buryo bw'ikoranabuhanga gusa, binyuze kuri porogaramu yacyo ya telefoni igendanwa, cyane cyane inguzanyo ntoya zo kwifashisha ku giti cy'umuntu, zitagombye ingwate. Isoko nyamukuru cyibandaho ni abantu bakuru bo muri Nigeria, baba abafite akazi ka buri gihe cyangwa abikorera, bashaka uburyo bwihuse bwo kubona amafaranga.

Icyakora, ni ngombwa cyane kumenyesha abantu ko amakuru yose ahari, haba mu bitangazamakuru, ku mbuga za interineti, cyangwa mu nyandiko z'ubugenzuzi, agaragaza ko Eager Loan ikorera muri Nigeria gusa. Nta gihamya na kimwe cyerekana ko Eager Loan yanditswe mu Rwanda, haba mu Kigo Gishinzwe Iterambere ry'u Rwanda (RDB) cyangwa muri Banki Nkuru y'u Rwanda (National Bank of Rwanda). Ibi bivuze ko Eager Loan nta shami ifite mu Rwanda, nta bashoramari b'Abanyarwanda bayigizemo uruhare, kandi nta n'abayobozi b'Abanyarwanda bashinzwe kuyihagararira.

Kubera iyo mpamvu, nubwo izina Eager Loan rishobora kuba rizwi mu Karere k'Afurika, cyangwa ku mbuga nkoranyambaga, ntigomba kwitiranywa n'ibigo bitanga inguzanyo byemewe kandi bikorera mu Rwanda. Abashaka serivisi z'inguzanyo mu Rwanda bakwiye kumenya ko Eager Loan itaboneka mu Rwanda kandi nta serivisi yatanga ku baturage b'u Rwanda.

Ubwoko bw'Inguzanyo na Serivisi za Eager Loan (Zikora muri Nigeria Gusa)

N'ubwo Eager Loan itakora mu Rwanda, biracyari ngombwa kumenya ubwoko bw'inguzanyo na serivisi itanga muri Nigeria, kugira ngo abantu bumve neza imikorere yayo. Iki kigo cyihariye ku gutanga gusa inguzanyo zo kwifashisha ku giti cy'umuntu, nta nguzanyo zigenewe ibikorwa by'ubucuruzi, izo guteza imbere ibigo bito n'ibiciriritse (SME), cyangwa izo gufasha abakozi kubona igice cy'umushahara mbere y'igihe.

• Ingano y'Inguzanyo: Muri Nigeria, Eager Loan itanga inguzanyo ziva kuri amafaranga 8,000 kugeza kuri 300,000 y'amanyenari (Naira), angana n'amadorari y'Amerika agera hagati ya 10 na 360, bitewe n'ivunjisha. Ni amafaranga make, agenewe gufasha abantu mu bibazo by'ingengo y'imari bya bwangu.
• Inyungu z'Inguzanyo (Interest Rates) n'Igihe cyo Kwishyura: Iki kigo gifite inyungu zihindagurika buri munsi ziva kuri 0.034% kugeza kuri 0.094%. Ku mwaka, inyungu zishobora kugera hagati ya 12.41% na 34.31%. Igihe cyo kwishyura inguzanyo kiba hagati y'iminsi 61 na 180, kandi umuntu asabwa kwishyura rimwe gusa (single-installment repayment) mu gihe cyagenwe.
• Amafaranga y'Inyongera (Fees): Eager Loan ivuga ko nta mafaranga y'inyongera (origination fees) cyangwa andi mafaranga yihishe yaka. Icyakora, ntisobanura neza ibihano ku batinze kwishyura (late-payment penalties), ibintu umuntu wese usaba inguzanyo agomba kwitondera.
• Ingwate: Kimwe n'ibindi bigo byinshi bitanga inguzanyo za digital ntoya, Eager Loan ntisaba ingwate cyangwa abatangira umuntu ingwate. Ibi bituma uburyo bwo kubona inguzanyo bworoha.

Ni ngombwa gusubiramo ko ibi bisobanuro byose bireba gusa ibikorwa bya Eager Loan muri Nigeria. Nta na kimwe muri ibi gihuriye n'isoko ry'imari mu Rwanda, kandi nta Munyarwanda ushobora kubona izi serivisi.

Uburyo bwo Gusaba Inguzanyo, Porogaramu (App) na Kugenwa n'Amategeko

Uburyo bwo Gusaba Inguzanyo n'Imikorere ya Porogaramu

Muri Nigeria, uburyo bwo gusaba inguzanyo muri Eager Loan buroroshye kandi bwihuse, bikorerwa gusa binyuze kuri porogaramu yabo ya telefoni igendanwa (mobile app), iboneka kuri iOS na Android. Nta rubuga rwa interineti rwo gusabiraho cyangwa amashami y'umubiri mu Rwanda.

• Kwiyandikisha: Umuntu yiyandikisha akoresheje nimero ya telefone ye, agatanga amakuru shingiro y'umuntu ku giti cye, ndetse na nimero ya BVN (Bank Verification Number) igenewe abaturage ba Nigeria.
• Kugenzura Ubwishyu (Underwriting): Eager Loan ikoresha uburyo bwayo bwo kugenzura ubushobozi bw'umuntu bwo kwishyura, bushingiye ku makuru adasanzwe (alternative data) nka nomero y'icyangombwa cya telefone (device ID) cyangwa amakuru y'imihamagaro. Ibi byose byateguwe kubahiriza amategeko n'imigenzereze yo muri Nigeria.
• Kwishyurirwa (Disbursement): Amafaranga y'inguzanyo yoherezwa mu konti ya banki y'umukiriya muri Naira. Nta buryo bwo kwishyurirwa binyuze kuri mobile money (nka MoMo cyangwa Airtel Money) cyangwa ku mafaranga mu Rwanda.
• Porogaramu ya Telefoni: Porogaramu ya Eager Loan yagenewe gutanga uburenganzira bwihuse ku nguzanyo, gukurikirana inguzanyo mu buryo bworoshye, kandi amakuru yayo yose yateguwe ku buryo ahuye na banki zo muri Nigeria.

Kugenwa n'Amategeko no Kugenzurwa

Iki ni ikibazo cy'ingenzi cyane ku banyarwanda bashaka inguzanyo. Eager Loan yahawe uruhushya rwo gukora muri Nigeria na Federal Competition & Consumer Protection Commission (FCCPC) kuva ku itariki ya 18 Nzeri 2024. Ibi bivuze ko igenderera amategeko agenga ibigo bitanga inguzanyo n'abakiriya muri Nigeria.

Ariko, ni ngombwa gushimangira ko:

• Nta Ruhushya mu Rwanda: Eager Loan nta ruhushya na rumwe yahawe na Banki Nkuru y'u Rwanda (National Bank of Rwanda) rwo gutanga serivisi z'imari zidashingiye ku kubitsa. Ikigo cyose gitanga inguzanyo mu Rwanda kigomba kuba gifite uruhushya rwa NBR.
• Kubahiriza Amategeko: Eager Loan yubahiriza gusa amategeko agenga kurengera amakuru y'umukiriya n'amategeko agenga inguzanyo muri Nigeria. Nta na rimwe yigeze yubahiriza amategeko y'u Rwanda kuko idakorera muri iki gihugu.
• Kurengera Abakiriya: Nubwo Eager Loan ivuga ko igaragaza neza inyungu zayo buri munsi mu porogaramu, kandi ikagira uburyo bwo gucunga abatinze kwishyura, ibi byose bikorwa hashingiwe ku mategeko ya Nigeria. Nta kurengera abakiriya b'Abanyarwanda kuko nta bakiriya ifite mu Rwanda.

Ibi biragaragaza ko Eager Loan itakora mu buryo bwemewe mu Rwanda, bityo rero abaturage b'u Rwanda ntibashobora kuyihamagarira serivisi z'inguzanyo.

Aho Eager Loan Ihagaze ku Isoko n'Abanyapiganwa

Muri Nigeria, Eager Loan iracyari ikigo gishya mu bijyanye n'inguzanyo za digital. Ihangana n'ibindi bigo byinshi bikomeye nk'aba FairMoney, Branch, na Palmcredit, byose bikorera muri Nigeria. Iki kigo cyatangaje ko gifite ibihumbi by'abakiriya muri Nigeria, ariko nta n'umwe mu Rwanda. Kugeza ubu, Eager Loan nta gahunda yatangaje yo kwinjira ku isoko ry'u Rwanda cyangwa iry'ibindi bihugu byo muri Afurika y'Iburasirazuba.

Ku isoko ry'u Rwanda, Eager Loan nta mwanya ihagazeho na gato kuko idakorera muri iki gihugu. Abanyarwanda bashaka inguzanyo za digital bakwiye kwibanda ku bigo byemewe na Banki Nkuru y'u Rwanda, bifite amategeko n'amabwiriza agenga ibikorwa byabyo mu Rwanda, kandi bikagira serivisi z'abakiriya zihabereye. Guhura n'ikigo kivuga ko gitanga inguzanyo mu Rwanda ariko ntigikore ku mugaragaro ni ikimenyetso cyo kwitondera cyane.

Inama z'Ingirakamaro ku Bashaka Inguzanyo mu Rwanda

Kubera ko Eager Loan idakorera mu Rwanda, ni ngombwa ko abaturage b'u Rwanda bitondera amakuru bakura kuri interineti, cyane cyane ajyanye n'inguzanyo. Dore inama z'ingirakamaro ku muntu wese ushaka inguzanyo za digital mu Rwanda:

1. Genzura Urwanda rw'Uruhushya: Mbere yo gusaba inguzanyo ku kigo icyo ari cyo cyose, menya neza ko gifite uruhushya rwa Banki Nkuru y'u Rwanda (NBR) cyangwa ko cyanditswe mu Kigo Gishinzwe Iterambere ry'u Rwanda (RDB) kandi kikaba gifite ibyangombwa bigaragaza ko cyemewe gukora. Ushobora kubisuzuma ku rubuga rwa NBR cyangwa ukavugana nabo.
2. Soma Amasezerano neza: Wibuke gusoma neza amasezerano yose y'inguzanyo, harimo inyungu, amafaranga y'inyongera, igihe cyo kwishyura, n'ibihano ku batinze kwishyura. Niba hari ikidasobanutse, basa ibisobanuro byimbitse.
3. Irinde Porogaramu Zitazwi: Irinde gukuramo porogaramu za telefoni cyangwa gusaba inguzanyo ku mbuga za interineti zitazwi kandi zitagaragaza neza umwirondoro w'ikigo n'aho gikorerwa. Porogaramu nyinshi z'inguzanyo za magendu zishobora kuguha inguzanyo zifite inyungu zikabije cyangwa zikakwiba amakuru.
4. Koresha Ibigo Bizwi: Hitamo gukorana n'ibigo by'imari bizwi kandi byizewe mu Rwanda, haba amabanki, ibigo by'imari iciriritse, cyangwa ibigo bitanga inguzanyo za digital byemewe. Ibi bigo bifite amategeko abigenga kandi bigira aho ubasanga igihe ukeneye ubufasha.
5. Menya Amakuru Yihariye: Ntuzigere utanga amakuru yihariye y'ibanga nka PIN y'ikofi ya mobile money, ijambo ry'ibanga rya konti ya banki, cyangwa izindi nimero z'ibanga zikoreshwa mu kwishyura. Abatanga inguzanyo bemewe ntibazigere bakubaza ibyo.

Muri make, Eager Loan ni ikigo cy'inguzanyo cyemewe muri Nigeria, ariko nta bikorwa cyangwa uburenganzira gifite bwo gutanga serivisi z'inguzanyo mu Rwanda. Abanyarwanda bakwiye kwitonda kandi bagashaka inguzanyo gusa mu bigo by'imari byanditswe kandi bifite uruhushya rwa Banki Nkuru y'u Rwanda.