Standard Life Rwanda

Incamake n'Amavu n'Amavuko ya Standard Life Rwanda

Standard Life Rwanda PLC (SLR) ni ikigo cy'imari cyanditswe mu buryo bwemewe n'amategeko, kikaba gikora nka banki itakira amafaranga abitswa, kigenzurwa na Banki Nkuru y'u Rwanda (BNR). Nubwo amakuru yimbitse ku myaka cyashinzwe n'abagitunze adatangazwa ku mugaragaro, bizwi ko ari ikigo cyigenga, gifite abakozi bake bakora i Kigali.

Uburyo SLR ikoramo bushingiye ku gutanga inguzanyo hifashishijwe ikoranabuhanga gusa. Ibi bivuze ko ubusabe bwose bw'inguzanyo, kwemererwa, ndetse no kuguza amafaranga byose bikorwa mu buryo bw'ikoranabuhanga binyuze ku rubuga rwacyo rwa interineti cyangwa porogaramu ya telefone igendanwa. Intego yacyo nyamukuru ni ugufasha abakozi bahembwa n'ibigo bito bikeneye inguzanyo zihuse zo kwihutirwa cyangwa zishingiye ku mushahara, bitabasabye kujya ku mashami nk'ay'amabanki asanzwe. Ibi bituma serivisi zitangwa vuba kandi zikorohera abazikeneye, cyane cyane abadafite umwanya wo gutonda imirongo.

Iki kigo cyashyize imbaraga mu kugabanya inzira ndende zo gusaba inguzanyo, aho ushobora kubikora uri aho uri hose, igihe icyo ari cyo cyose. Iyi ni imwe mu mpamvu ituma abantu benshi bakigana, kuko kibafasha kubona amafaranga mu gihe gito bashobora gukoresha mu bikorwa byabo byihutirwa cyangwa mu kubaka imishinga yabo mito n'iciriritse.

Ibicuruzwa by'Inguzanyo n'Amashimwe

Standard Life Rwanda itanga ubwoko butandukanye bw'inguzanyo buhuza n'ubushobozi n'ibikenewe by'abakiriya bayo, buri bwoko bukagira amashimwe, imyaka yo kwishyura n'ibyo bisaba:

• Inguzanyo zo Kwihutirwa (Emergency Loan): Amafaranga ava ku 10,000 Frw kugeza ku 100,000 Frw. Inyungu ni 15% buri kwezi (flat rate). Ishyurwa mu gihe cy'ukwezi kumwe. Ibisabwa ni indangamuntu, amasezerano y'akazi, na raporo y'imikoreshereze ya konti ya banki y'amezi atatu.
• Inguzanyo z'Umushahara Zito (Salary Loan Starter): Amafaranga ava ku 100,000 Frw kugeza ku 500,000 Frw. Inyungu ni 7% (reducing balance) buri kwezi. Ishyurwa mu gihe kiri hagati y'ukwezi kumwe n'amezi atandatu. Ibisabwa ni indangamuntu, amasezerano y'akazi, raporo ya konti ya banki, n'ikarita ya ATM.
• Inguzanyo z'Umushahara (Salary Loan): Amafaranga ava ku 500,001 Frw kugeza ku 5,000,000 Frw. Inyungu ni 7% (reducing balance) buri kwezi. Ishyurwa mu gihe kiri hagati y'ukwezi kumwe n'amezi cumi n'abiri. Ibisabwa birasa n'ibya "Salary Loan Starter", gusa iyi ni ku mafaranga menshi.
• Inguzanyo zo mu Ikoranabuhanga (Digital Loan Offers): Amafaranga ava ku 100 Frw kugeza ku 2,000,000 Frw. Inyungu ishobora kugera kuri 3% buri kwezi. Ishyurwa mu minsi iri hagati ya 65 na 240 (amezi umunani). Ibisabwa ni indangamuntu yemewe, kuba ufite imyaka irenga 21; rimwe na rimwe ingwate ntabwo isabwa.
• Inguzanyo y'Umushahara y'Igihe Gito (Salary Advance): Amafaranga ava ku 500,001 Frw kugeza ku 5,000,000 Frw. Ishyurwa mu gihe kiri hagati y'ukwezi kumwe n'amezi cumi n'abiri. Amashimwe yayo ntiyatangajwe ku mugaragaro mu buryo burambuye.

Ku bijyanye n'amafaranga y'imirimo (fees), Standard Life Rwanda ivuga ko yashyizwe hamwe n'inyungu. Ibihano ku guhererwa kw'inguzanyo ntabwo byatangajwe ku mugaragaro. Ingwate ntabwo isabwa ku nguzanyo ziri munsi ya miliyoni 5 Frw, ariko ku mafaranga menshi ashobora gusabwa umwishingizi cyangwa ibindi byangombwa birenzeho. Ni ingenzi ko umukiriya agasoma neza amasezerano yose mbere yo gusinya, agasobanukirwa neza inyungu n'ibindi biguzi byose ashobora kwishyura.

Uburyo bwo Gusaba Inguzanyo n'Ikoranabuhanga

Standard Life Rwanda yorohereje uburyo bwo gusaba inguzanyo, ikoresha ikoranabuhanga rigezweho mu nzira zose. Ushobora gusaba inguzanyo ukoresheje:

• Porogaramu ya Telefone (Mobile App): Ibasha gukoreshwa kuri telefone zikoresha Android (iboneka kuri Google Play) na iOS (App Store). Ifite abantu barenga 1,000 bayishyizeho.
• Urubuga rwa Interineti (Website Portal): Ushobora kandi gusaba inguzanyo unyuze ku rubuga rwabo rwa interineti www.standardlife.org.rw.

Inzira yo kwiyandikisha no gusaba inguzanyo irihuta kandi iroroshye. Bitangira uhamya numero ya telefone yawe ukoresheje OTP (one-time password). Nyuma ukuzuza amakuru y'umwirondoro wawe (amazina, itariki y'amavuko, aderesi, umurenge, akarere). Haranakoreshwa ikoranabuhanga rya Smile ID rigenzura isura yawe rihuzwa n'amakuru yo ku ndangamuntu yawe. Ubu buryo bwizewe mu kwemeza umwirondoro.

Guhitamo umukiriya ugomba guhabwa inguzanyo bishingira ku buryo bw'ikoranabuhanga rigezweho bugenzura amakuru y'akazi kawe, raporo ya banki, amateka y'inguzanyo wagiye wishyura n'imyifatire yawe mu kwishyura. Amafaranga y'inguzanyo ashyirwa ku mukiriya binyuze mu buryo bubiri:

• Kohereza amafaranga kuri konti ya banki y'umukiriya.
• Kohereza amafaranga kuri konti ya mobile money (MTN Momo, Airtel Money).

Uburyo bwo kugarura amafaranga nayo bwahujwe n'ikoranabuhanga. Hari ubutumwa bugufi (SMS) bugufasha kwibutsa abakiriya kwishyura, ndetse hakaba hari n'uburyo bwo kubikuza amafaranga kuri konti ya banki cyangwa mobile money byemewe n'umukiriya. Mu gihe habayeho igihe kirekire cyo kudashyura, hakurikiranwa inzira zo kugaruza amafaranga, nubwo amakuru yimbitse kuri izo nzira ataratangazwa.

Amategeko n'Iruhushya ndetse n'Umwanya mu Isoko

Standard Life Rwanda ifite uruhushya kandi igenzurwa na Banki Nkuru y'u Rwanda (BNR) nk'ikigo cy'imari kitakira amafaranga abitswa. Nta makuru yatangajwe ku mugaragaro yerekeye ibihano byatanzwe n'urwego rugenga kuri iki kigo. Iki kigo cyubahiriza amategeko ya BNR ajyanye n'ibiciro by'inyungu ntarengwa, ubuziranenge bw'amakuru y'abakiriya, n'inzira nziza zo kugaruza inguzanyo. Amasezerano yacyo asobanura neza uburenganzira n'inshingano by'abagurizwa, bigamije kurinda abakiriya.

Mu isoko ry'u Rwanda, Standard Life Rwanda irushanwa n'ibindi bigo bitanga inguzanyo hifashishijwe ikoranabuhanga ndetse na za Microfinance (MFIs) zisanzwe. Nubwo umubare w'isoko ifitemo umwanya utatangazwa, yihariye mu buryo bwo gutanga serivisi zose mu ikoranabuhanga, ibiciro byiza ku nguzanyo z'umushahara (7% reducing balance), n'uburyo bwo kwemeza inguzanyo mu gihe gito (hagati y'amasaha 24 na 72). Iki kigo kivuga ko gifite intego yo kwagura ubufatanye na banki n'ibigo by'itumanaho (telcos) kugira ngo kigere kuri benshi mu gihugu hose, kuko nta mashami gifite. Ibi bigaragaza ubushake bwo gukomeza guteza imbere serivisi z'imari mu buryo bworohereye abaturage benshi.

Ku bijyanye n'ibitekerezo by'abakiriya, abagikoresha kuri Google Play bavuga ko porogaramu yacyo yoroshye gukoresha kandi yihuta mu gutanga serivisi. Nubwo bimeze bityo, hari abavuga ko rimwe na rimwe haba ibihe byo gutinda mu kugeza amafaranga ku bakiriya, ndetse n'amakuru adasobanutse ku bijyanye n'ibihano byo gutinda kwishyura (nubwo ibi bitaremezwa). Serivisi z'abakiriya zitangwa binyuze mu butumwa bugufi buri muri porogaramu, cyangwa kuri za numero za telefone (+250 788 195 000 / +250 794 426 634), kandi bivugwa ko basubiza mu masaha 24. Standard Life Rwanda itangaza kandi inkuru z'uko inguzanyo zayo zafashije ibigo bito gutera imbere.

Inama Z'Ingirakamaro ku Bashaka Kugurizwa

Mbere yo gufata inguzanyo, ni ingenzi kwitonda no gusuzuma neza imiterere yose. Dore inama z'ingirakamaro ku muntu wese ushobora gukeneye inguzanyo kwa Standard Life Rwanda:

• Sesuza Icyo Ukeneye: Fata umwanya wo gusuzuma neza impamvu ukeneye inguzanyo n'ingano y'amafaranga ukeneye. Irinde gufata inguzanyo ku bikorwa bidafite akamaro cyangwa bitazagira inyungu.
• Sobanukirwa Amasezerano: Soma neza amasezerano yose y'inguzanyo, uhereye ku nyungu, igihe cyo kwishyurira, n'ibindi biguzi byose bishobora kubaho. Mu gihe hari icyo utumvise, wibaze abakozi ba Standard Life Rwanda.
• Menya Ubushobozi Bwo Kwishyura: Guhererwa kw'inguzanyo bigira ingaruka. Menya neza ko uzashobora kwishyura ku gihe utishyuza ibihano cyangwa ngo ugire ikibazo mu mateka yawe y'inguzanyo.
• Kurinda Amakuru yawe: Kuko serivisi zikorwa hifashishijwe ikoranabuhanga, menya neza ko amakuru yawe bwite arinzwe. Standard Life Rwanda igomba kubahiriza amategeko ajyanye n'ubuziranenge bw'amakuru (data privacy).
• Gereranya n'Abandi: Niba bishoboka, gereranya serivisi za Standard Life Rwanda n'iz'ibindi bigo bitanga inguzanyo mu Rwanda, kugira ngo uhitemo igihuye neza n'ibyo ukeneye n'ubushobozi bwawe.
• Koresha Porogaramu Neza: Mu gihe ukoresha porogaramu ya telefone, menya neza ko ari wowe wenyine uyikoresha. Irinde gusangira amakuru y'ibanga n'abandi.
• Vugana na Serivisi Z'Abakiriya: Mu gihe uhuye n'ikibazo cyangwa ukagira ikibazo ushaka gusobanuza, ntuzuyaze guhamagara cyangwa kwandikira serivisi z'abakiriya za Standard Life Rwanda.

Gufata inguzanyo bigomba gukorwa mu buryo bw'ubwenge, kuko byagufasha kugera ku ntego zawe z'imari, ariko binashobora kuguteza ibibazo mu gihe utabisuzumyeho neza.