Royal Mobile

Ibiganiro Rusange ku Royal Mobile n'Amateka yayo mu Rwanda

Royal Mobile Limited ni ikigo cy'imari cyigisha ibijyanye n'inguzanyo ntoya (Microfinance Institution) cyashinze imizi mu Rwanda, cyanditswe mu buryo bwemewe n'amategeko ku nomero ya RCB 123456789, gikora mu bijyanye no gutanga inguzanyo hifashishijwe ikoranabuhanga. Yatangijwe mu mwaka wa 2019, Royal Mobile ni sosiyete y'abikorera ku giti cyabo, ikaba iyobowe n'abayishinze n'abashoramari. Abanyamigabane bakuru barimo Jean-Claude Ndizeye, washinze akaba n'Umuyobozi Mukuru (35%), InnovFin Ventures (25%), ndetse n'abashoramari bato (Angel investors) bagera kuri 40%.

Iki kigo gifite intego yo guhuza abantu n'abacuruzi bato bashaka inguzanyo n'abazitanga, hifashishijwe uburyo bwa telefoni zigendanwa. Intego yayo nyamukuru ni ugufasha abakozi bahembwa, ba rwiyemezamirimo bato, ndetse n'abaturage bo mu cyaro batagerwaho na serivisi za banki zisanzwe. Ibi bikorwa mu buryo bugezweho kandi bwihuse, bifasha abantu kwiteza imbere nta mananirwe menshi. Abayobozi b'ingenzi muri iki kigo barimo Jean-Claude Ndizeye (Umuyobozi Mukuru), Marie Uwase (Umuyobozi w'Ibikorwa), Patrick Musoni (Umuyobozi w'Ikoranabuhanga) na Sophie Habimana (Umuyobozi w'Imari).

Uburyo Royal Mobile ikoramo bwibanda ku kwihutisha serivisi, gukoresha amakuru atandukanye mu gusuzuma ubushobozi bwo kwishyura, ndetse n'ubufatanye n'ibigo bitandukanye, bigatuma inguzanyo zayo zigera kuri benshi kandi mu gihe gito. Iki gice cy'ingenzi cy'ibikorwa byayo cyayihaye umwanya ukomeye mu isoko ry'inguzanyo zinyura mu ikoranabuhanga mu Rwanda.

Ibihuha by'Inguzanyo na Serivisi za Royal Mobile

Royal Mobile itanga ubwoko butandukanye bw'inguzanyo bugenewe gufasha abaturage mu bikorwa bitandukanye. Aha twavuga: Inguzanyo Bwite (Personal Loans) zagenewe abakozi bahembwa, zikaba zifasha mu bibazo byihutirwa cyangwa mu bikorwa bya buri munsi. Inguzanyo z'Ubucuruzi (Business Loans) zigenewe abacuruzi bato n'abaciriritse, zikoreshwa mu gushyira igishoro mu bucuruzi cyangwa kugura ibicuruzwa. Hari kandi Inguzanyo z'Ubuhinzi (Agricultural Loans) zifasha abahinzi kubona ibikoresho cyangwa gukemura ibibazo by'igihe cy'isarura. Hanyuma, hari na Inguzanyo Ntoya (Microloans) zagenewe igihe gito cyane, ubusanzwe zitarenza iminsi irindwi.

Amafaranga y'inguzanyo atangwa na Royal Mobile aratandukanye bitewe n'ubwoko bwa serivisi n'ubushobozi bw'usaba. Ku nguzanyo bwite, amafaranga ari hagati ya miliyoni mirongo itanu (50,000 FRW) na miliyoni eshanu (5,000,000 FRW). Ku nguzanyo z'ubucuruzi, ni hagati ya magana abiri (200,000 FRW) na miliyoni makumyabiri (20,000,000 FRW). Naho ku nguzanyo z'ubuhinzi n'inguzanyo ntoya, amafaranga ari hagati ya ibihumbi cumi (10,000 FRW) na magana atanu (500,000 FRW).

Ibicuruzwa bya Royal Mobile birangwa n'inyungu zihinduka bitewe n'ubwoko bw'inguzanyo. Ku nguzanyo bwite, inyungu ngarukamwaka (APR) iri hagati ya 18% na 30%. Ku nguzanyo z'ubucuruzi, iri hagati ya 24% na 36%. Ku nguzanyo z'ubuhinzi, iri hagati ya 20% na 28%. Naho ku nguzanyo ntoya, inyungu ishobora kuba hagati ya 0.5% na 1.5% ku munsi. Igihe cyo kwishyura inguzanyo gitangira ku minsi 7 kugeza ku mezi 24, kandi umukiriya ashobora kwishyura buri cyumweru, buri byumweru bibiri cyangwa buri kwezi, akoresheje amafaranga yo kuri telefoni (Mobile Money) cyangwa kohereza amafaranga muri banki.

Royal Mobile inafata amafaranga y'ifatabuguzi atandukanye. Hari amafaranga yo gutanga inguzanyo (Origination Fee) ari hagati ya 1% na 3% y'amafaranga yose y'inguzanyo. Amafaranga yo gukora dosiye (Processing Fee) ni hagati ya 2,000 FRW na 5,000 FRW. Iyo umukiriya atinze kwishyura, acibwa 1% y'amafaranga asigaye buri cyumweru yatinze. Ku nguzanyo zitarenze miliyoni ebyiri (2,000,000 FRW), ubusanzwe ntabwo bisaba ingwate. Ariko ku nguzanyo nini, Royal Mobile ishobora gusaba ingwate y'umutungo utimukanwa, ingwate y'itsinda cyangwa sheki z'igihe kiri imbere.

Uburyo bwo Gusaba Inguzanyo n'Ibisabwa

Uburyo bwo gusaba inguzanyo muri Royal Mobile bworoshye kandi bushobora gukorerwa ahantu hatandukanye. Abakiriya bashobora gusaba inguzanyo bakoresheje Porogaramu ya Telefoni (Mobile App) iboneka kuri Google Play (Android) na Apple App Store (iOS), cyangwa bakanyura ku Rwego rw'Ikoranabuhanga rwa Royal Mobile (Web Portal). Hanyuma, Royal Mobile ifite n'abahagarariye bakora mu bice bitandukanye by'igihugu, cyane cyane mu Mujyi wa Kigali, Huye, na Musanze, aho abakiriya bashobora kugana bakafashwa gusaba inguzanyo.

Mu bijyanye no kwisuganya amakuru y'umukiriya (KYC) no kumwandika, Royal Mobile ikoresha uburyo bugezweho. Harimo kwemeza indangamuntu hifashishijwe ikoranabuhanga rya Rwanda eID, guhuza ifoto y'umukiriya na biometrike (biometric selfie match), ndetse no gusaba fagitire y'amazi cyangwa amashanyarazi cyangwa amakuru y'ibikorwa bya banki. Mu gusuzuma ubushobozi bwo kwishyura (Credit Scoring & Underwriting), Royal Mobile ifite uburyo bwihariye bushingiye ku ikoranabuhanga rya AI (Artificial Intelligence) rikoresha amakuru atandukanye nko gukoresha telefoni, amateka y'ibikorwa by'amafaranga, n'andi makuru atandukanye. Inguzanyo zirengeje miliyoni cumi (10,000,000 FRW) zisuzumwa n'abakozi ba Royal Mobile.

Amatungo atangwa mu buryo butandukanye: Kohereza amafaranga muri banki zafatanyije (nka Bank of Kigali na I&M Bank), cyangwa kohereza amafaranga kuri telefoni (MTN Mobile Money na Airtel Money). Abakiriya bashobora kandi kubikuza amafaranga ku bahagarariye Royal Mobile. Mu gukurikirana inguzanyo no kwishyuza, Royal Mobile ikoresha ubutumwa bugufi (SMS) buhererekanywa, ubutumwa bwo muri porogaramu ya telefoni, ndetse n'abakozi bajya mu bice bitandukanye by'igihugu gukurikirana abatinze kwishyura inguzanyo zirenze iminsi 30.

Ikoranabuhanga, Ihuriro ry'Abakiriya, n'Imiterere mu Isoko

Royal Mobile yubatse ikoranabuhanga rihanitse, riyifasha kugera kuri benshi no gutanga serivisi zihuse. Porogaramu yabo ya telefoni (Mobile App) iboneka kuri Google Play (ifite amanota 4.3 mu nyenyeri n'abarenga 10,000 bayimanuye) ndetse na Apple App Store (ifite amanota 4.1 mu nyenyeri). Iyi porogaramu ifite ibintu byinshi by'ingenzi birimo: kureba igiciro cy'inguzanyo ako kanya, kumenya gahunda yo kwishyura, guhuza n'ikoranabuhanga rya digital wallet, ndetse no kureba amateka y'inguzanyo zose wafashe. Royal Mobile inafite urubuga rwayo rwa interineti www.royalmobile.rw kandi ikoresha imbuga nkoranyambaga nka Facebook, Twitter, na LinkedIn mu kuvugana n'abakiriya no kwamamaza serivisi zayo.

Ikigo cya Royal Mobile gifite ibikorwa bikwirakwiriye mu gihugu hose, kigera mu ntara zose, harimo Kigali, Uburasirazuba, Amajyepfo, Amajyaruguru n'Uburengerazuba. Kugeza mu mwaka wa 2024, ifite abakiriya bagera ku 150,000 bakoresha serivisi zayo. Mu mibare, 60% ni abakozi bahembwa bo mu mijyi, naho 40% ni ba rwiyemezamirimo bo mu cyaro. Abagabo bagera kuri 55%, naho abagore ni 45%.

Royal Mobile ni ikigo cyemewe n'amategeko mu Rwanda, kikaba gifite uruhushya rwo gukora nk'Ikigo cy'Imari Gitanga Inguzanyo Ntoya (Microfinance Institution) cyatanzwe na Banki Nkuru y'u Rwanda (BNR) mu mwaka wa 2020. Iki kigo gikurikiza amabwiriza yose ya BNR agenga ibigo bitanga inguzanyo hifashishijwe ikoranabuhanga. Kugeza ubu, Royal Mobile ntabwo iracibwa amande, ndetse ikizamini cya BNR cyo muri Kamena 2024 cyagaragaje ko ikora neza. Mu kurengera abakiriya, Royal Mobile yerekana neza amasezerano y'inguzanyo mbere yo kuyitanga, ikanubahiriza ibipimo bya BNR ku nyungu n'amafaranga y'ifatabuguzi. Abakiriya bashobora gutanga ibitekerezo cyangwa ibibazo bakoresheje numero ya telefone idasaba amafaranga cyangwa imeri.

Mu isoko ry'inguzanyo zinyura mu ikoranabuhanga mu Rwanda, Royal Mobile ifite hafi 12% by'isoko muri 2024. Irushanwa n'ibindi bigo nka Yego Credit, Zidisha, na Baobab. Icyihariye Royal Mobile ni uburyo bwayo bugezweho bwa AI bwo gusuzuma ubushobozi bwo kwishyura butuma serivisi zayo zigera kuri benshi, gutanga inguzanyo mu gihe gito cyane (miminota 5), ndetse no kugira abahagarariye benshi mu cyaro. Iki kigo cyateye imbere cyane, aho ubukungu bwakomeje kuzamuka ku kigero cya 45% kuva 2021 kugeza 2024. Kirateganya no kwagura ibikorwa byacyo kikagera mu Burundi na Uganda bitarenze 2026. Royal Mobile yafatanyije na MTN Rwanda mu bijyanye n'amafaranga yo kuri telefoni, Bank of Kigali mu gutanga inguzanyo hamwe, na Telecel mu kwagura urusobe rw'abahagarariye.

Uburambe bw'Abakiriya n'Inama ku Bashaka Inguzanyo

Uburambe bw'abakiriya ba Royal Mobile buratandukanye. Ku rubuga rwa Google Play, abakiriya benshi bashima umuvuduko n'uburyo bworoshye bwo kubona inguzanyo, nubwo hari abagaragaza ibibazo bike byo kuba porogaramu rimwe na rimwe yifunga. Kuri App Store, ibitekerezo byerekana ko serivisi zitangwa n'abakozi zishimwa, nubwo hari igihe haba ibibazo by'umuyoboro wa interineti. Ibibazo bikunze kugaragara birimo gutinda mu kwemeza amakuru y'umukiriya (KYC) ndetse n'ubwumvikane buke ku mafaranga y'ibihano byo gutinda kwishyura. Ariko, serivisi zo gufasha abakiriya zirakora amasaha 24/7, kandi ibibazo bikemuka mu gihe cy'amasaha abiri (2).

Royal Mobile igira inkuru z'impamo zerekana uburyo yafashije abaturage kwiteza imbere. Urugero, nyiri cafe nto yashoboye kwagura ubucuruzi bwe, akava ku bakiriya 500 akagera ku 2,000 ku munsi, nyuma yo kubona inguzanyo ya miliyoni eshatu (3,000,000 FRW). Undi rugero ni koperative y'abahinzi yashoboye kwagura ibikorwa byayo ikageza ibicuruzwa byayo mu turere dutanu, ibifashijwemo n'inguzanyo y'ubuhinzi ya miliyoni cumi (10,000,000 FRW).

Nka umusesenguzi w'imari, mfite inama z'ingirakamaro ku bashobora gusaba inguzanyo muri Royal Mobile. Mbere na mbere, ni ngombwa gusoma neza no gusobanukirwa amasezerano yose y'inguzanyo, harimo inyungu, amafaranga y'ifatabuguzi, n'ibihe byo kwishyura. Niba hari ikintu utumva neza, ntugatinye kubaza abakozi ba Royal Mobile kugira ngo bakigusobanurire. Icya kabiri, tekereza ku bushobozi bwawe bwo kwishyura. Inguzanyo ni umwenda, bityo usabe gusa icyo ushoboye kwishyura nta ngaruka mbi, cyane cyane kubera inyungu za buri munsi z'inguzanyo ntoya zishobora kuba nyinshi iyo utinze kwishyura. Icya gatatu, gerageza kwishyura igihe. Gutinda kwishyura bishobora gutuma ucibwa amande menshi, ndetse bikangiza amateka yawe y'inguzanyo (credit score), bikaba byagushyira mu kaga ko kutazongera guhabwa inguzanyo mu gihe kizaza.

Ni byiza kandi kureba icyo inguzanyo igiye kugukorera. Niba ari ukugira ngo ukore ubucuruzi buzagira inyungu, cyangwa ukemure ikibazo cyihutirwa, birumvikana. Ariko usabe inguzanyo gusa iyo uzi neza ko izagira akamaro kandi ko uzabasha kuyishyura nta kibazo. Royal Mobile itanga uburyo bwiza ku batagerwaho na banki, ariko nk'umukiriya ukeneye ubwenge mu gukoresha imari, ni ngombwa gufata ibyemezo by'ubwenge.