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Ukusuka Esiphithiphithini Sokwenziwa Ngesandla Ukuya Kubuchule Bedijithali: Ibali Lokuphumelela LeJoshe Money Lending kunye Lendbox

Ukusuka Esiphithiphithini Sokwenziwa Ngesandla Ukuya Kubuchule Bedijithali: Ibali Lokuphumelela LeJoshe Money Lending kunye Lendbox

Intshayelelo

Ekuchwetheni kwidolophu exakekileyo yaseSolwezi, eZambia, iJoshe Money Lending ibe ngumthwalo ozinzileyo kuluntu lwayo, ixhasa ukukhula kwendawo ngokunika imali yokuboleka ekhawulezayo, esekelwe kwisibambiso, kubathengi abadla ngokungafikeleli kwiibhanki ezisesikweni. Iinikezelo zabo ziqala ku-ZMW 2,000 zihambele ku-ZMW 50,000, zikhuthaze ushishino kwaye zihlangabezana neemfuno zemali zamasapho amaninzi. Ukanti, njengamashishini amaninzi emali encinci ajamelene noqoqosho oluguquguqukayo lwaseZambia, iJoshe Money Lending yaba nzima ukuphatha imisebenzi yayo engundoqo ngendlela efanelekileyo phambi kokwanda kwamaphepha, iirekhodi zesandla, kunye nomngcipheko ohlala uhleli wemali yokuboleka engabuyiswanga kakuhle.

Yonke into yatshintsha xa ishishini lasebenzisa iLendbox, iqonga ledijithali ezinikezelwe kulawulo lwemali yokuboleka. Olu phononongo lufundisisa uhambo lweJoshe Money Lending ukusuka kubunzima bokusebenza ukuya kukukhula okuzithembileyo okuqhutywa kukuzenzekela ngobuchule.

Imvelaphi: Umceli Mngeni Wokukhula

Iminyaka emininzi, umnini weJoshe Money Lending, John Mulevu, waphatha umsebenzi wemihla ngemihla wemali encinci yokuboleka: ukuvavanya izicelo, ukugcina iincwadi zeebhuku eziphathekayo, ukulandela imibuyekezo, kwaye ngaphezu kwako konke, ukuzama ukulandelela inzuzo ngokuchanekileyo. “Ukulandelela inzuzo kwakunzima,” utsho John, ekhumbula umbilini owavela kumda ongaqinisekiswanga kunye nokuvumelanisa okuthatha ixesha elide.

Ngeenkqubo zamaspredishithi kunye neencwadi zokubhalela njengezixhobo zakhe eziphambili, John Mulevu wafumanisa ukuba kunzima ngokumangalisayo ukuhlala phambili kwiintlawulo ezirhixisiweyo. Ukungasebenzi kakuhle okuncinci kwangena yonke indawo; iirekhodi ezilahlekileyo kunye neenethu ezilibalekileyo zakhokelela kuxinizelelo, iiyure ezimoshakeleyo, kunye nonyuko lwemali yokuboleka engabuyiswanga kakuhle. “Uxinizelelo lokukhangela iincwadi lwaluphezulu,” ucacisa. “Kwakuhlala kukho uloyiko lokuba ndingenza ndingahoyi into ebalulekileyo.”

Imida yenkqubo yesandla yagcina ishishini lingakwazi ukukhula ngokuzithemba — yathintela iJoshe Money Lending ukuba ikhonze abathengi abaninzi ngobungcali ababufanele.

Ukufunyaniswa Okunethamsanqa: ILendbox Iyangena

Inguqu yafika ngendlela engalindelekileyo: ngoxa ehamba kuFacebook, John Mulevu waqaphela umphembeleli wamaphepha onxibelelwano wendawo ekhuthaza iindaleko zeLendbox, inkqubo eyenzelwe ngqo ulawulo lwemali yokuboleka (LMS). Ngokunomdla, John Mulevu wahlola izinto zeqonga elo, ezibandakanya izikhumbuzo ezizenzekelayo, iifayile zedijithali zabathengi, kunye nokulandelela inzuzo nelahleko ngexesha lokwenyani.

“Ukuba unika imali, ufuna into ekunceda ulandelele yonke into,” ucinga John. “Yiyo ke leyo eyandiqinisekisa ukuzama iLendbox.”

Ukuphunyezwa: Uphumo Olukhawulezayo

Ukutshintsha ukuya kuLendbox kwavula amehlo. Ngorhatya nje, iirekhodi zemali yokuboleka zaba ngezifikeleleka kwangoko, kungasafuneki kuphengulula iinqwaba zamaphepha okanye ukuxhalaba ngeefayile ezilahlekileyo. Inguqu enkulu, noko ke, yenzeka emisebenzini ejolisene nabathengi.

“Inika abathengi ukuzithemba,” uphawula John. Izikhumbuzo ezizenzekelayo kunye nezicwangciso zentlawulo ezicacileyo zabangela ukulawuleka ngakumbi phakathi kwababoleki, zenza ukuba kuncitshiswe kakhulu inani lemali yokuboleka engabuyiswanga kakuhle. “Ngoku, abathengi abaninzi bathobela. Sinengxaki encinci yeentlawulo ezirhixisiweyo.”

KuJohn neqela lakhe, imisebenzi yemihla ngemihla yaba lula kakhulu. Izaziso zefowuni zeLendbox zavumela uJohn ukulawula ulandelelo lwama-akhawunti arhixisiweyo, ajonge ibhalansi, kwaye abone iintlawulo ezizayo, konke esuka kwifowuni yakhe, naxa esemgama nehhovisi. Akusafuneki uhambo nje kuphela ukuya kubona iirejista. “Yandonga ixesha,” utsho. “Yandihlangula kuxinizelelo lokukhangela iincwadi — ngoku, yonke into ikwifowuni yam. Ndingalandelela naphi apho ndikhona.”

Ulawulo Lwemali Kunye Nokunciphisa Umngcipheko

Phambi kokuba kusetyenziswe iLendbox, ukunika ingxelo yemali kunye nokulandelela inzuzo kwakunzima, kwaye ukuchaneka kwakukude nokuqinisekiswa. Ukususela ekudibanisweni kweqonga elo, John uyonwabela imifanekiso yexesha lokwenyani yokusebenza kwemali yokuboleka, izinga lokuthobela imimiselo, kunye nengeniso, konke ngokucofa okuncinci. Amanani abalulekileyo abe ngaphambili efuna iiyure ukuwahlanganisa ngoku abonakala kwiingxelo ezizenzekelayo.

Loo ngqondo yakwazisa ukuthatha izigqibo ezingcono: John wakwazi ukubona ukungahlawula okunokwenzeka phambi kokuba kukhule, kwaye walungelelanisa amaqhinga akhe okuboleka ukunciphisa umngcipheko. Ukhuseleko kunye nobunyani bedatha obakhelwe ngaphakathi kuLendbox kwanceda ukukhulisa kwaye uthembela phakathi kwabathengi kunye nokuthembeka kwishishini lonke.

Ukuzenzekela kwakhulisa nobudlelwane bobungcali ngakumbi kunabathengi.

“ILendbox iphucule ipotifoliyo yethu; ngoku sinemali yokuboleka engabuyiswanga kakuhle encinci ngenxa yokuba abathengi bathobela ubuninzi babo, ngenxa yezikhumbuzo nolandelelo olungcono” ~ John Mulevu

Impembelelo: Abathengi Abonwabileyo Ngakumbi, Ukukhula Okukhawulezayo

Inzuzo ebalulekileyo ngeyokusebenza kakuhle kuphela, ngoxolo lengqondo. Ukuveliswa kwesandla kwakubangela imihla emide, exhalabisa. Ngoku, ngeLendbox, uJohn neqela lakhe banako ukukhonza abathengi abaninzi, baphendule ngokukhawulezileyo, kwaye baphephe iimpazamo ezibiza kakhulu.

Abathengi nabo baxabisa ukucaca kunye nobungcali obongezelelweyo. Izicwangciso zemali yokuboleka ezicacileyo, izaziso ezikhawulezayo, kunye nonxibelelwano olunokuthenjwa lunceda ukomeleza udumo lweJoshe Money Lending — inzuzo ebalulekileyo kuluntu apho ukuxelelana ngomlomo kuyiyonke into.

Ekhuthazwa luguquko olo, uJohn Mulevu ngoku ucebisa ngamandla iLendbox kubaboleki bemali babanye. “Ndiza kuyicebisa — ndaze ndayicebisa kubahlobo bam,” utsho enekratshi.

Ukujonga Phambili

Nesiseko sokusebenza kwedijithali, iJoshe Money Lending ngoku ilungele ukukhula ngokuzithemba. Inkampani le iphonononga izinto ezitsha zeLendbox ezifana namanqaku okuthembeka ezizenzekelayo kunye nezilumkiso zobuqhetseba ezigqugqiselwe yiAI, ubuchule obake bubonakala bukude kakhulu ukuba bufikelelwe ishishini elincinci eSolwezi, kodwa ngoku busekuthi.

Uhambo lwaJohn Mulevu lubonisa ukuba nababoleki bemali abancinci kwiimarike ezisaphuhla banakho ukugxotha imiqobo yokusebenza nesisombululo sedijithali esifanelekileyo. Kwabanye kwicandelo lemali encinci yokuboleka laseZambia, ibali leJoshe Money Lending linika umzila, ukusuka kubunzima bokwenziwa ngesandla ukuya kuboleko olungakhula, olunokuhlala; lixhomekeke kukuzenzekela, ubungcali, kunye nokuthembela kwabathengi.

Iingongoma Eziphambili

  • Ukuzenzekela kuzala ukuthembela: Ukungena kwidijithali akwenzi kuphela ukuba imisebenzi yangaphakathi ihambe kakuhle, kodwa kuqinisekisa abathengi kwaye komeleza ukuthobela imimiselo.
  • Ukusebenza kakuhle komsebenzi konga ixesha kwaye kunciphisa uxinizelelo: Izaziso kunye nokugcinwa kweerekhodi ngexesha lokwenyani kususa ubunzima bamaphepha kunye nempazamo yomntu.
  • Ulawulo olucacileyo lwenza ukukhula kwenzeke: Ngolandelelo lungcono kunye neengxelo, iJoshe Money Lending inakho ukukhula ngokuzithemba kwaye ikhonze abathengi abaninzi.
  • Ukhuseleko ledijithali luxhasa ukuthembeka: Ulawulo lwedatha olukhuselekileyo, olunokuthenjwa lubalulekile kukuthembela kwabathengi kunye nabachaphazelekileyo.

Malunga neJoshe Money Lending

Esekelwe eSolwezi, eZambia, iJoshe Money Lending ixhobisa ababoleki bemali ngabanye kunye nooshishini ngemali yokuboleka efikelelekayo, esekelwe kwisibambiso. Ngokwamkela ukuzenzekela kwedijithali ngeLendbox, iJoshe imisele umgangatho omtsha wokuthembeka, ukukhula, kunye nokuthobela imimiselo kucandelo lemali encinci yokuboleka lommandla, ibonisa ukuba ngezixhobo ezifanelekileyo, amashishini amancinci anakho ukufikelela impembelelo enkulu.