SPENN

Ishusho Rusange ya Spenn mu Rwanda n'Amateka yayo

Spenn ni umufatanyabikorwa ukomeye hagati y'ikigo cy'ikoranabuhanga mu by'imari cyo muri Norvege, SPENN Technology, na I&M Bank Rwanda Ltd. Intego nyamukuru ya Spenn ni uguteza imbere uburyo bwo gufasha abantu benshi kugera kuri serivisi z'imari mu Rwanda, ibi bikorwa binyuze mu gutanga serivisi za banki kuri telefone zitishyurwa, inguzanyo ntoya za digitali, ndetse no kwishyura hakoreshejwe ikoranabuhanga.

Iki kigo SPENN Technology cyashinzwe mu mwaka wa 2015, kikaba gifite icyicaro gikuru i Kristiansand, muri Norvege. Mu Rwanda, imirimo ya Spenn yatangiye mu mwaka wa 2018, binyuze mu bufatanye na I&M Bank Rwanda. Ubu bufatanye bushingiye ku kuba Spenn ikorera mu Rwanda nk'umukozi wa banki, ifite uburenganzira bwatanzwe na Banki Nkuru y'u Rwanda (BNR). Spenn ikoresha uburyo bwa Banking-as-a-Service (BaaS), itanga konti ya digitali kuri telefone ndetse n'inguzanyo zihuse zishingiye ku ikoranabuhanga rya 'blockchain'.

Isoko rya Spenn rigamije abantu badafite konti za banki, abafite konti ariko serivisi z'imari zitabageraho bihagije, abacuruzi bato ndetse n'imiryango mito mu mijyi no mu cyaro cy'u Rwanda hose. Abayobozi bakuru ba Spenn mu Rwanda barimo Julius Karake (Umuyobozi Mukuru mu Gihugu) na Angelique Ingabire (Umuyobozi w'Ishami rya Marketing n'Ubucuruzi). Abandi bafatanyabikorwa bakomeye harimo Robin Bairstow (CEO wa I&M Bank Rwanda) na Jens Glaso (CEO wa SPENN Technology).

Ibicuruzwa bya Spenn n'Uburyo bw'Inguzanyo

Spenn itanga ibicuruzwa byinshi bigamije gufasha Abanyarwanda mu buzima bwabo bwa buri munsi, cyane cyane mu bijyanye n'inguzanyo ndetse no kuzigama.

Inguzanyo Ntoya (SPENN Loan)

• Ingano y'Inguzanyo: Spenn itanga inguzanyo ziva ku amafaranga y'u Rwanda 15,000 kugeza ku amafaranga 500,000.
• Inyungu: Iyi ni imwe mu ngingo z'ingenzi zitandukanya Spenn n'abandi batanga inguzanyo. Niba wishyuye inguzanyo yawe mu minsi 14, ntuishyura inyungu na nkeya (0%). Icyakora, nyuma y'iminsi 14, inyungu ibarwa kuri 0.39% ku munsi ku mafaranga agisigaye.
• APR (Inyungu ku mwaka): Igitigiri cy'inyungu ku mwaka (APR) cyo kiva kuri 142% kugeza kuri 436% bitewe n'igihe cyo kwishyura. Ni ngombwa ko abakiriya bamenya ko iri terambere ry'inyungu rishobora guhindagurika bitewe n'uburyo inguzanyo yishyuwe.
• Igihe cyo Kwishyura: Inguzanyo ishobora kwishyurwa mu gihe kitarenze iminsi 90, ikaba ifite ibyiciro byo kugenzura inyungu buri minsi 30, 60, na 90.
• Amande n'Ibindi Biciro:
  • Ikiguzi cyo gukurikirana: Cyishyurwa iyo wishingiye igihe cyo kwishyura, cyane cyane ku munsi wa 31, 61, na 91.
  • Ikiguzi cyo Gutanga Inguzanyo: Nta kiguzi cyo gutanga inguzanyo kibaho (Origination/processing fee: None).
  • Amande yo Gutinda Kwishyura: Iyo igihe cyo kwishyura kirangiye (umunsi wa 90) kandi inguzanyo itarishyurwa, Spenn ishobora gukuraho amafaranga yose agize ideni ku buryo bwikora kuri konti ya Spenn y'umukiriya.
• Ingwate: Inguzanyo za Spenn zishingira ku mafaranga umukiriya azigamye kuri konti ye ya SuperSaver cyangwa umushahara aherutse kubitsa, bikaba bishobora kugera kuri 100% by'ayo mafaranga. Ingwate igenerwa bitewe n'igihe konti imaze ikoreshwa n'amateka yo kwishyura inguzanyo zabanje.

Izindi Serivisi za Spenn

• Kuzigama (SuperSaver): Konti za SuperSaver zitanga inyungu igera kuri 4% ku mwaka, zicishwa binyuze muri I&M Bank Rwanda. Izi konti zifasha abakiriya kuzigamira intego zabo ndetse zikabafasha no kubona inguzanyo.
• Kwishyura no Kohereza Amafaranga: Spenn itanga serivisi zo kohereza amafaranga hagati y'abakoresha bayo (P2P) ku buntu, kwishyura imifurire (bill payments), kugura amasaha yo guhamagara (airtime top-up), ndetse no kwishyura hakoreshejwe kode za QR.
• Agent Banking: Spenn ifite abakozi ba banki (agents) bari hirya no hino mu gihugu, bagufasha kubitsa no kubikuza amafaranga (cash-in/out), ndetse no kwiyandikisha kuri serivisi za Spenn.

Uburyo bwo Gusaba Inguzanyo n'Imikorere ya Porogaramu

Kugera kuri serivisi za Spenn biroroshye, binyuze mu buryo butandukanye bw'ikoranabuhanga n'abakozi ba banki.

Uburyo bwo Gusaba

• Porogaramu ya Telefone (Mobile App): Porogaramu ya Spenn iboneka kuri telefone zikoresha iOS na Android. Ifite amanota agera kuri 4.2 kuri 5, ikaba itanga serivisi zose za Spenn, zirimo konti ya digitali, inguzanyo, kuzigama, n'uburyo bwo kuvugana n'abakozi.
• USSD: Ku bantu bakoresha telefone zigeze kure (feature phones), Spenn iboneka binyuze kuri kode *580# mu Rwanda. Ibi bifasha abaturage benshi kugera kuri serivisi zayo, cyane cyane mu byaro.
• Abakozi ba Banki (Agents): Spenn ifite abakozi ba banki barenga 200 bahuguriwe mu ntara y'Amajyepfo n'iy'Iburengerazuba, binyuze muri gahunda ya "Regenerate Rwanda", bafasha mu kwiyandikisha no gutanga serivisi.

Kwiyandikisha no Kwemeza Umwirondoro (KYC & Onboarding)

• Digitali: Umukiriya ashobora kwiyandikisha no kwemeza umwirondoro we akoresheje porogaramu ya Spenn. Bisaba gushyiraho nimero ya telefone, izina, ndetse no kohereza kopi y'indangamuntu (NIDA ID). Kwemeza umwirondoro bifata hagati y'iminsi 5 na 7.
• Binyuze ku Mukozi wa Banki: Abatari bafite telefone zigezweho bashobora kwiyandikisha ku biro by'abakozi ba Spenn mu bice bitandukanye.

Gutanga Amanota y'Inguzanyo no Kwemeza (Credit Scoring & Underwriting)

Spenn ikoresha uburyo bwa kigezweho bwo gutanga amanota ku bakiriya basaba inguzanyo. Ibi bishingira ku bintu bitandukanye:

• Igihe konti ya Spenn imaze ikoreshwa.
• Amafaranga umukiriya azigamye.
• Amateka y'uburyo abitsa amafaranga.
• Uko yishyuye inguzanyo zabanje.
• Kureba niba afite ubushobozi bwo kwishyura.

Amanota atangwa n'imashini (algorithms) ziri muri porogaramu, naho kwemeza burundu bikorwa na I&M Bank Rwanda.

Itangwa ry'Inguzanyo no Kwishyuza

• Itangwa ry'Inguzanyo: Amafaranga atangwa ako kanya kuri konti ya Spenn y'umukiriya. Ashobora guhindurirwa kuri Mobile Money cyangwa koherezwa kuri konti ya banki binyuze muri I&M Bank.
• Kwishyuza: Amafaranga akurwa ku buryo bwikora kuri konti ya Spenn igihe cyo kwishyura kigeze. Abakiriya boherezwa ubutumwa bugufi (SMS) bubibutsa kwishyura ndetse n'igihe inyungu z'inyongera zikurikira zizabarwa.
• Kwishyura Ideni Ryose: Ku munsi wa 90, iyo inguzanyo n'inyungu byose bitarishyurwa, Spenn ishobora gukuraho amafaranga yose ari kuri konti ya Spenn y'umukiriya kugira ngo yishyure ideni ryose.

Imikorere ya Porogaramu ya Spenn

Porogaramu ya Spenn ifite ibintu byinshi byiza biyifasha gutandukana n'izindi:

• Uburyo bwo kuganira n'abakozi mu gihe nyacyo.
• Ikarita yerekana uko abakiriya bazigamye kugira ngo bagere ku ntego zabo.
• Serivisi zo gutanga imishahara ku bakozi (SPENN Flow) na serivisi zo kwishyurana hagati y'ibigo (B2B payments binyuze muri SPENN Connect).

Uburenganzira bw'Imikorere, Aho Spenn Ihagaze ku Isoko n'Impanuro

Uburenganzira bw'Imikorere no Gukurikiza Amategeko

Imirimo ya Spenn mu Rwanda ikorerwa mu buryo bwemewe n'amategeko, kuko ikorera munsi y'uburenganzira bwa I&M Bank Rwanda bwatanzwe na Banki Nkuru y'u Rwanda (BNR). Spenn ikurikiza amategeko ya BNR ajyanye no kurwanya isukwa ry'amafaranga (AML) no kumenya umwirondoro w'abakiriya (KYC). Kugeza ubu, nta bibazo by'amategeko cyangwa ibihano bya leta byigeze bifatirwa Spenn. Mu rwego rwo kurengera abakiriya, Spenn itanga amakuru asobanutse ku biguzi byayo, itanga iminsi 14 yo kwishyura nta nyungu, ndetse ikanohereza ubutumwa bugufi (SMS) butanga amakuru ajyanye n'inyungu n'amande.

Aho Spenn Ihagaze ku Isoko

Spenn iri mu bigo bikomeye bitanga inguzanyo za digitali mu Rwanda, hamwe n'ibindi nka Urwego Microfinance na BK TecHouse. Spenn itandukana n'abandi mu gutanga serivisi zidafite ibiguzi, ikoranabuhanga rya 'blockchain', ndetse n'igihe cy'iminsi 14 nta nyungu. Abayihanganiye barimo Urwego, Aella na Migo, ariko Spenn irihariye mu buryo bwo kutishyura inyungu mu minsi 14 ya mbere ndetse n'umuyoboro mugari w'abakozi ba banki (agents). Spenn iraguka cyane, yongerera abakozi ba banki ndetse ikaba itekereza no kwagurira imirimo yayo mu bindi bihugu nka Tanzania na Zambia. Ifitanye ubufatanye na I&M Bank Rwanda, TechnoServe (mu gutanga ubumenyi mu by'imari), ndetse n'ibigo by'itumanaho mu gukoresha USSD.

Uko Abakiriya Bayibona

Porogaramu ya Spenn ifite amanota meza kuri App Store (hafi 4.2 kuri 5) na Google Play (hafi 4.1 kuri 5). Abakiriya bayishima cyane kubera kutagira ibiguzi ndetse no koroha mu gukoresha. Icyakora, hari ibibazo bimwe na bimwe bivugwa n'abakiriya, birimo gutinda kwemeza umwirondoro (KYC) birenze iminsi 7, gutinda k'ubutumwa bugufi buvuga inyungu zishyizweho, ndetse n'igihe gito porogaramu idakora neza. Spenn ifite uburyo bwo kuvugana n'abakiriya burimo umurongo utishyurwa (5090), uburyo bwo kuganira muri porogaramu, ndetse na email. Ibisubizo bitangwa mu gihe kitarenze amasaha 24.

Muri gahunda ya "Regenerate Rwanda", Spenn yashoboye gufasha abakozi ba banki bo mu cyaro gutanga inguzanyo zo kwishyura amashuri n'ibitaro, bigera ku bantu barenga 20,000.

Impanuro ku Bashaka Inguzanyo

Ku muntu wese ushaka gusaba inguzanyo kuri Spenn, ni ngombwa kumenya ibi bikurikira:

• Soma Amasezerano: Menya neza amategeko n'amabwiriza yose ajyanye n'inguzanyo, cyane cyane ibijyanye n'inyungu n'amande.
• Koresha Igihe cy'Iminsi 14: Iyo ushoboye kwishyura inguzanyo mu minsi 14, ntuzishyura inyungu na nkeya. Ibi ni ingenzi cyane.
• Ishyura ku Gihe: Gutinda kwishyura bishobora gutuma wishingira inyungu nyinshi ndetse n'amande. Gerageza kwishyura ku gihe cyangwa mbere y'igihe.
• Ntukishore mu Madeni Yinjira: Saba inguzanyo ushoboye kwishyura, ntuzisabe kugira ngo wishyure izindi.
• Gerageza Kuzigama: Kuzigama kuri konti ya SuperSaver bishobora kukongerera amahirwe yo kubona inguzanyo nini mu gihe kizaza.

Spenn ikomeje kuba umufatanyabikorwa w'ingenzi mu guhindura ubukungu bw'Abanyarwanda, itanga serivisi z'imari zigezweho kandi zishobora kugerwaho na benshi. Ku bakiriya bayo barenga 320,000 kuva mu 2018, Spenn iragaragaza ko ishobora gufasha benshi mu iterambere ryabo.