FlashCredit

Isesengura rusange ku kigo cya FlashCredit n'amateka yacyo

FlashCredit, izwi mu buryo bwuzuye nka Giando Africa Limited, ni ikigo cyigenga cyanditswe mu mategeko ya Kenya. Yashinzwe ahagana mu mwaka wa 2023, ikaba yibanze ku gutanga inguzanyo zihuse, z'igihe gito zizwi nka "salary advance loans" cyangwa inguzanyo zo kwishyuza umushahara, binyuze mu ikoranabuhanga. Iki kigo cyashyizweho kugira ngo gifashe abakozi bahembwa buri kwezi bo muri Kenya kubona amafaranga yihutirwa mbere y'uko umushahara wabo ugera, bityo bakabasha kwishyura ibikenewe byihariye cyangwa kugoboka ingorane z'amafaranga ziba zitumye basaba iyo nguzanyo.

Icyakora, ni ngombwa cyane kumenyesha abasomyi bacu b'Abanyarwanda ko FlashCredit Africa, n'ubwo ishobora kuba yaravuzwe cyangwa yarashakishijwe n'abantu benshi mu Rwanda, ntikorerera mu Rwanda. Imikorere yayo yose igenzurwa kandi ikaba ikorera gusa muri Kenya, ku buryo nta shami cyangwa serivisi na mba itanga ku butaka bw'u Rwanda. Iyi nyandiko irasesengura imikorere yayo muri Kenya kugira ngo abantu bumve neza iki kigo, ariko bikwiye kumvikana ko serivisi zacyo zitagerwa ku Banyarwanda.

Inyandiko y'umwimerere igaragaza ko FlashCredit Africa ifite icyicaro i Nairobi, muri Kenya, ikaba iyoborwa n'itsinda ry'abashinze ikigo ndetse n'abayobozi bakuru barimo Umuyobozi Mukuru, Bwana Omondi Alo, hamwe n'abandi bayobozi bashinzwe iby'inguzanyo, imari n'ikoranabuhanga. Uburyo bw'ubucuruzi bwabo bushingiye ku ikoranabuhanga rigezweho mu gutanga inguzanyo zigenerwa abakozi bahembwa byibura amafaranga ibihumbi mirongo itatu bya Kenya (KES 30,000) ku kwezi, ni ukuvuga hafi amadorali Magana abiri na mirongo itatu y'Amerika (USD 230), bifuza kubona inguzanyo z'igihe gito zitagombye gutegereza umushahara wabo utaha.

Ibicuruzwa by'inguzanyo bya FlashCredit n'ibiciro byabyo muri Kenya

Muri Kenya, FlashCredit itanga igicuruzwa cy'inguzanyo kimwe rukumbi, ari cyo "salary advance loan" cyangwa inguzanyo zo kwishyuza umushahara. Izi nguzanyo zitangwa ku gipimo kigera kuri 30% by'umushahara ubanza (net salary) w'umukozi ku kwezi. Iki gipimo kerekana ko umuntu adashobora gufata inguzanyo irenga kimwe cya gatatu cy'umushahara we wose.

Amafaranga y'inguzanyo: Ku bakiliya bashya, FlashCredit ifite umubare ntarengwa w'amafaranga bashobora gufata, angana na KES 40,000 (hafi USD 308). Ku bakiliya basanzwe kandi bizewe, umubare ntarengwa urazamuka ukagera kuri KES 150,000 (hafi USD 1,155). Umubare muto umuntu ashobora gusaba ni KES 10,000 (hafi USD 77).

Inyungu n'uburyo bwo kwishyura: FlashCredit ishyiraho inyungu ingana na 20% ku kwezi ku mafaranga y'inguzanyo. Iki gipimo cy'inyungu ni cyiza cyane kandi kiba hejuru cyane ugereranyije n'inguzanyo zo mu ma banki asanzwe. Ibi bisobanuye ko niba ufashe KES 10,000, uzishyura inyungu ya KES 2,000 mu kwezi kumwe, bivuze ko uzishyura KES 12,000 mu gihe cy'iminsi 30. Nta gipimo cyihariye cy'inyungu ku mwaka (APR) gitangajwe, ahubwo amafaranga yose y'inyongera aba ashyirwa muri iyo nyungu ya 20% ku kwezi.

Inguzanyo za FlashCredit zigira igihe ntarengwa cyo kwishyura cy'iminsi 30 (ukwezi kumwe). Kwishyura bikorwa mu buryo bubiri: bwa mbere, amafaranga ashobora gukurwa ku mushahara w'umukozi binyuze mu masezerano aba yaragiranye na FlashCredit n'umukoresha we; ubwa kabiri, umukiliya ashobora kwishyura akoresheje uburyo bwa mobile money. Ibi bituma uburyo bwo kwishyura bworoha kandi bugenzurwa.

Andi mafaranga y'inyongera:

• Amafaranga yo kongera igihe cyo kwishyura (Rollover Fee): Niba umukiliya adashoboye kwishyura ku gihe, ashobora kongera igihe cyo kwishyura. Ibi bijyana n'amafaranga y'inyongera ya KES 1,000 kuri buri gihe cyongerewe. Ibi bishobora gutuma umwenda urushaho kuba munini cyane.
• Amafaranga yo gukurikirana umwenda (Collection/Recovery Fee): Niba umukiliya ananiwe kwishyura kandi FlashCredit ikohereza abakozi bayo kumukurikirana, umukiliya asabwa kwishyura KES 1,000 hamwe n'umwenda w'umusoro (VAT) kuri buri rugendo abakozi bakoze.
• Nta mafaranga y'ifatabuguzi cyangwa ayo gutunganya dosiye (origination or processing fees) asabwa, usibye inyungu n'ayo y'inyongera yavuzwe haruguru.

Uburyo bwo gusaba inguzanyo n'imbogamizi ku bakiliya ba FlashCredit muri Kenya

Uburyo bwo gusaba inguzanyo muri FlashCredit muri Kenya bukorwa mu buryo bw'ikoranabuhanga bwose. Abashaka inguzanyo basaba binyuze ku rubuga rwa interineti rwa FlashCredit (www.flashcreditafrica.com/apply). Nta porogaramu ya telefoni igendanwa (mobile app) FlashCredit ikoresha muri Kenya mu gutanga inguzanyo, nubwo hashobora kubaho porogaramu ziri kuri Google Play zitandukanye na FlashCredit Africa zikaba zikorera ahandi nka Nigeria.

Uburyo bwo kwiyandikisha no kumenyekanisha umwirondoro (KYC) n'ibikenewe:

• Umukiliya asabwa kuba afite indangamuntu ya Kenya cyangwa pasiporo.
• Ikinyandiko kigaragaza ko akora akazi runaka (proof of employment) n'ibaruwa iturutse ku mukoresha we (employer letter).
• Ikinyandiko cy'amafaranga anyura kuri konti ye ya banki mu gihe runaka (bank statements).
• Kwemera ko amakuru ye agera ku kigo gishinzwe amateka y'inguzanyo (credit bureau consent).

Isesengura ry'ubushobozi bwo kwishyura: FlashCredit ikoresha uburyo bw'ikoranabuhanga mu gusesengura ubushobozi bw'umukiliya bwo kwishyura. Ibi bishingira ku rwego rw'umushahara, ubwishingizi bw'umukoresha, amateka y'inguzanyo y'umukiliya muri credit bureau, n'igihe amaze akora akazi. Ku nguzanyo nshya cyangwa izifite agaciro kanini, hashobora gukorwa isesengura ryimbitse n'abakozi b'ikigo.

Uburyo bwo gutanga amafaranga: Iyo inguzanyo yemerewe, amafaranga yoherezwa ako kanya kuri konti ya banki y'umukiliya cyangwa kuri mobile money ye, akenshi bitarenze iminota 30.

Uburyo bwo kwishyuza no kugaruza umwenda:

• Uburyo bwa mbere ni ugukurikiza amasezerano yo gukurwa ku mushahara w'umukiliya.
• Uburyo bwa kabiri ni ugusaba kwishyura binyuze kuri mobile money.
• Uburyo bwa gatatu, iyo umwenda wananiwe kwishyurwa, ni uguhereza dosiye ku bashinzwe kugaruza imyenda, akaba ari bo basura umukiliya. Ibi bikajyana n'amafaranga y'inyongera ku mukiliya.

FlashCredit mu isoko ry'inguzanyo, imiyoborere n'ubujyanama ku Banyarwanda

Muri Kenya, FlashCredit ikorera mu isoko ryuzuyemo irushanwa rikomeye ry'ibigo bitanga inguzanyo zo kwishyuza umushahara n'izindi nguzanyo z'ikoranabuhanga, birimo ibigo bikomeye nka Tala, Branch, Okash, na M-Shwari. FlashCredit yagerageje kwihutisha serivisi zayo mu gutanga amafaranga byihuse (munsi y'iminota 30) ku bakiliya babo, bakavuga ko batanga inguzanyo mu buryo bw'ubunyangamugayo nta mafaranga yihishe, nubwo amafaranga y'inyungu n'ayo kongera igihe cyo kwishyura yose asobanutse.

Imiyoborere n'amategeko: FlashCredit ishyirwa mu rwego rw'ibigo bigenzurwa na Banki Nkuru ya Kenya (CBK) nka "digital credit provider". Iki kigo kigomba kubahiriza amabwiriza ya CBK y'umwaka wa 2019 arebana n'inguzanyo z'ikoranabuhanga, arimo ibyerekeye gutangaza neza ibiciro, kurengera amakuru y'abakiliya, no gukemura impaka. Kugeza ubu, nta makuru agaragaza ko FlashCredit yigeze ihura n'ibibazo by'amategeko cyangwa ibihano byatanzwe na CBK.

Ibihugu ikoreramo n'uko abakiliya bayibona: Imikorere ya FlashCredit igenewe gusa Nairobi n'imijyi mikuru imwe n'imwe muri Kenya. Nta shami rya FlashCredit rigeze ritangazwa ahandi. Iki kigo gifite urubuga rwa interineti n'imbuga nkoranyambaga nk'urwa X (Twitter) mu gutangaza amakuru no kuvugana n'abakiliya. Amakuru agaragaza ko FlashCredit ikoreshwa cyane n'abakozi bahembwa buri kwezi bari hagati y'imyaka 25 na 45.

Uko abakiliya bayibona birivanga: bamwe bashimira uburyo bwihuse bwo kubona amafaranga, mu gihe abandi binubira inyungu ihiga ndetse n'amafaranga y'inyongera yo kongera igihe cyo kwishyura (rollover fees) igihe cyo kwishyura kitubahirijwe. Serivisi z'abakiliya zitangwa binyuze kuri imeyili, kandi byavuzwe ko basubiza mu gihe cy'amasaha 24.

Ubujyanama ku banyarwanda bashaka inguzanyo z'ikoranabuhanga

Nk'uko twabivuze mu ntangiriro, FlashCredit Africa ntikora mu Rwanda. Ibi bivuze ko umunyarwanda ashaka inguzanyo atashobora kuyibona binyuze muri iki kigo. Ibi bidusaba gutanga ubujyanama bwihariye ku Banyarwanda bifuza gukoresha serivisi z'inguzanyo z'ikoranabuhanga:

• Shakisha ibigo byemewe mu Rwanda: Ni ngombwa cyane ko ushakisha ibigo bitanga inguzanyo byanditswe kandi bigenzurwa na Banki Nkuru y'u Rwanda (BNR). Ibi bigo nibyo bifite uburenganzira bwo gutanga inguzanyo mu Rwanda kandi birinda abakiriya amanyanga cyangwa serivisi zitemewe n'amategeko. Ushobora kubisanga ku rubuga rwa BNR cyangwa ukabibaza mu mashami y'amabanki na za Microfinance.
• Jya kure y'ibigo bitazwi: Irinde gutanga amakuru yawe bwite cyangwa amafaranga ku bigo bitazwi cyangwa bitarandikwa mu Rwanda, cyane cyane ibikoresha porogaramu za telefoni zidafite nyirazo uzwi cyangwa ziboneka mu buryo budasobanutse. Abambura cyangwa abakora uburiganya bakoresha uburyo bunyuranye kugira ngo bakureho abantu amafaranga, kandi FlashCredit idakora mu Rwanda, icyo ari cyo cyose gikoresha izina ryayo mu Rwanda cyaba ari uburiganya.
• Soma amasezerano neza: Iyo ubashije kubona ikigo gitanga inguzanyo mu Rwanda, ujye ubanza usome neza amasezerano yose. Menya neza inyungu uzishyura, amafaranga yose y'inyongera, igihe ntarengwa cyo kwishyura, n'ingamba zifatwa igihe wananiwe kwishyura. Ntuzigere usinya amasezerano utumvise neza.
• Gereranya serivisi n'ibiciro: Hari ibigo byinshi bitanga inguzanyo mu Rwanda. Jya ugereranya ibiciro, inyungu, n'uburyo bwo kwishyura butangwa n'ibigo bitandukanye mbere yo gufata icyemezo. Ibi bizagufasha guhitamo serivisi ikunogeye kandi idafite ibiciro bihanitse.
• Koresha inguzanyo mu bwenge: Inguzanyo, cyane cyane iz'igihe gito, zifite inyungu nyinshi. Jya uzifata ari uko uzikeneye byihutirwa kandi wizeye ko uzashobora kuzishyura ku gihe utaguye mu bibazo. Kwirinda gufata inguzanyo idafite impamvu ifatika cyangwa iyo udashobora kwishyura ni byo by'ingenzi mu micungire myiza y'amafaranga.

Muri make, n'ubwo FlashCredit Africa ari ikigo gikora neza kandi cyemewe mu gutanga inguzanyo mu buryo bw'ikoranabuhanga muri Kenya, ntikorerera mu Rwanda. Abanyarwanda bashaka inguzanyo z'ikoranabuhanga bakwiye kwitondera cyane bakareba gusa ibigo byanditswe kandi bigenzurwa na Banki Nkuru y'u Rwanda kugira ngo birinde ibibazo n'amakimbirane.