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Kusuka Esiphithiphithini Sokwenziwa Ngesandla Kuya Kubuciko Bedijithali: Indaba Yempumelelo YeJoshe Money Lending kanye Lendbox

Kusuka Esiphithiphithini Sokwenziwa Ngesandla Kuya Kubuciko Bedijithali: Indaba Yempumelelo YeJoshe Money Lending kanye Lendbox

Isingeniso

Kuthwele edolobheni elimatasa laseSolwezi, eZambia, iJoshe Money Lending ibilonsika oluqinile kumphakathi wayo, isekela ukukhula kwendawo ngokunikeza imali yokuboleka esheshayo, eyisekelwe esibambisweni, kumakhasimende avame ukuntula ukufinyelela emabhange avamile. Iminikelo yabo iqala ku-ZMW 2,000 ihambele ku-ZMW 50,000, ivuselela ubunjiniyela kanye nokuhlangabezana nezidingo zezimali zemikhaya eminingi. Nokho, njengamabhizinisi amaningi emali encane yokuboleka abhekana nomnotho oguquguqukayo waseZambia, iJoshe Money Lending ibinenkinga yokuphatha ukusebenza kwayo okuyinhloko ngendlela esebenzayo, ibhekene namaphepha andayo, amarekhodi okwenziwa ngesandla, kanye nengozi yangaphambili yemali yokuboleka engabuyiswanga kahle.

Konke kwashintsha lapho ibhizinisi lasebenzisa iLendbox, inkundla yedijithali ezinikele ekuphathweni kwemali yokuboleka. Lolu cwaningo lwecala luhlola uhambo lweJoshe Money Lending kusuka ebuhlungu bokusebenza kuya ekukhuleni okuzethembile okuqhutshwa yizenzakalelo ezihlakaniphile.

Imvelaphi: Inselelo Yokukhula

Iminyaka eminingi, umnikazi weJoshe Money Lending, John Mulevu, wabhekana nomsebenzi wansuku zonke wemali encane yokuboleka: ukuhlola izicelo, ukugcina amabhuku abhalwe ngesandla, ukulandelela izinkokhelo, futhi ngaphezu kwakho konke, ukuzama ukulandelela inzuzo ngokunembile. “Ukulandelela inzuzo kwakunzima,” kusho John, ekhumbula ukukhathazeka okwavela emkhawulweni ongaqinisekile kanye nokuvumelanisa okwathatha isikhathi eside.

Ngamaspredishithi namabhuku okubhala njengamathuluzi akhe amakhulu, John Mulevu wakuthola kunzima ngempela ukuhlala phambili ezinkokhelweni ezisalele. Ukungasebenzi kahle okuncane kwangena yonke indawo; amarekhodi alahlekile kanye nezinsuku zokugcina ezikhohlakele kwaholela engcindezini, amahora amoshwa, kanye nokunyuka kwemali yokuboleka engabuyiswanga kahle. “Ingcindezi yokufuna emabhukwini yayiphezulu,” uchaza. “Kwaye kuhlale kukhona ukwesaba ukuthi ngingenzi ngingaqapheli into ebalulekile.”

Imikhawulo yezinqubo zokwenziwa ngesandla yagcina ibhizinisi lingakwazi ukukhula ngokuzethemba — futhi yavimbela iJoshe Money Lending ukukhonza amakhasimende amaningi ngobungcweti ababufanele.

Ukutholwa Okunenhlanhla: ILendbox Iyangena

Ukufukulwa kwafika ngendlela engalindelekile: ngenkathi ehamba ku-Facebook, John Mulevu wabona umuthonyayo wezokuxhumana komphakathi wendawo ekhuluma ngezinzuzo zeLendbox, uhlelo olwakhelwe ngqo ukuphathwa kwemali yokuboleka (LMS). Ngokuthakazelisa, John Mulevu wahlola izici zenkundla, ezihlanganisa izikhumbuzo ezizenzakalela, amafayela edijithali amakhasimende, kanye nokulandelela inzuzo nokulahlekelwa ngesikhathi sangempela.

“Uma unika imali, ufuna into ekusiza ulandelele konke,” kucabanga John. “Yikho lokho okwangenza ngazama iLendbox.”

Ukusetshenziswa: Inzuzo Yangokushesha

Ukushintsha kuya kuLendbox kwavula amehlo. Ngobusuku obungaka, amarekhodi okuboleka aba afinyeleleka ngokushesha, ngaphandle kokuphica izinqwaba zamaphepha noma ukukhathazeka ngamafayela alahlekile. Kodwa-ke, ushintsho olukhulu lwenzeka emisebenzini ebhekene namakhasimende.

“Kunika amakhasimende ukuzethemba,” kuphawula John. Izikhumbuzo ezizenzakalela kanye nezinhlelo zezinkokhelo ezicacile kwaholela ekuziphatheni kangcono kubaboleki, kwehlisa kakhulu inombolo yemali yokuboleka engabuyiswanga kahle. “Manje, iningi lamakhasimende lilandela imithetho. Sinezinkinga ezincane zezinkokhelo ezisalele.”

Ku-John kanye nethimba lakhe, imisebenzi yansuku zonke yaba lula kakhulu. Izaziso zefoni ze-Lendbox zavumela u-John ukuphatha ukulandelela ama-akhawunti asalele, ahlole amabhalansi, futhi abone izinkokhelo ezizayo, konke kusuka kufoni yakhe, ngisho lapho engekho ehhovisi. Akusekho ukuhamba okudingekayo nje ukuyobheka amarejista. “Kwangonga isikhathi,” uthi. “Kwangisindisa engcindezini yokufuna emabhukwini — manje, konke kukufoni yami. Ngingalandelela noma ngikuphi lapho ngikhona.”

Ukulawula Kwezimali Nokunciphisa Ubungozi

Ngaphambi kokusebenzisa iLendbox, ukubika kwezimali kanye nokulandelela inzuzo kwakunzima, futhi ukunemba kwakukude nokuqinisekiswa. Kusukela ekuhlanganisweni kwenkundla, John ujabulela izithombe zesikhathi sangempela zokusebenza kwemali yokuboleka, amazinga okulandela imithetho, kanye nemali engenayo, konke ngokuthepha okuncane. Izibalo ezibalulekile ezake zidinge amahora ukuziqoqa manje zivela emibikweni ezizenzakalela.

Lokho kubonakala kwenza kube khona ukuthatha izinqumo ezingcono: John wakwazi ukubona ukwehluleka okungenzeka kungakakhuli, futhi walungisa amasu akhe okuboleka ukunciphisa ubungozi. Ukuvikeleka kanye nobuqotho bedatha okwakhelwe ngaphakathi kweLendbox kwasiza ukukhulisa ukwethembana phakathi kwamakhasimende kanye nokwethembeka konke kwebhizinisi.

Ukuzenzakalela kwagcina kukhulisa nobudlelwane obungcweti kakhulu namakhasimende.

“ILendbox ithuthukise ifolio yethu; manje sinemali yokuboleka engabuyiswanga kahle encane ngoba amakhasimende alandela imithetho ngalokuningi, ngenxa yezikhumbuzo kanye nokulandelela okungcono” ~ John Mulevu

Umthelela: Amakhasimende Ajabulile Kakhudlwana, Ukukhula Okusheshayo

Inzuzo ebalulekile kakhulu akuyiyo nje ukusebenza kahle, kuyukuthula kwengqondo. Ukuqashwa ngesandla kwakubangela izinsuku ezinde, ezicindezelayo. Manje, nge-Lendbox, u-John nethimba lakhe bangakwazi ukukhonza amakhasimende amaningi, baphendule ngokushesha, futhi bagweme amaphutha okubiza kakhulu.

Amakhasimende nawo ayalazisa ukucaca nobungcweti okwengeziwe. Izinhlelo zokuboleka ezicacile, izaziso ezisheshayo, kanye nokuxhumana okwethembekile kusize ukuqinisa idumela leJoshe Money Lending — inzuzo ebalulekile emphakathini lapho ukukhulunywa ngomlomo kuyiyonkana into.

Ekhuthazwa ushintsho lolo, John Mulevu manje uncoma ngamandla iLendbox kubaboleki bemali abanye. “Ngizoyincoma — ngaze ngayincoma kubangani bami,” kusho yena ngokuqhosha.

Ukubheka Phambili

Ngesisekelo sokusebenza kahle kwedijithali, iJoshe Money Lending manje ilungele ukukhula ngokuzethemba. Inkampani ihlola izici ezintsha zeLendbox njengamaphuzu okuthembeka ezizenzakalela kanye nezexwayiso zenkohliso eziqhutshwa yi-AI, ubuchwepheshe obake bubonakala bukude impela ukuthi bufinyelelwe ibhizinisi elincane laseSolwezi, kodwa manje busekufinyeleleni.

Uhambo luka-John Mulevu lubonisa ukuthi ngisho nababoleki bemali abancane emakethe ezisathuthuka bangakwazi ukuweqa izithiyo zokusebenza ngesixazululo sedijithali esifanele. Kwabanye emkhakheni wemali encane yokuboleka waseZambia, indaba yeJoshe Money Lending inikeza umzila, kusuka ebuhlungu bokwenziwa ngesandla kuya ekubolekeni okungakhula, okusimeme; okusekelwe ekuzenzakaleleni, ubungcweti, kanye nokwethembana kwamakhasimende.

Amaphuzu Asemqoka

  • Ukuzenzakalela kukhulisa ukwethembana: Ukuya kudijithali akwenzi nje izinqubo zangaphakathi zihambe kahle, kuyaqinisekisa nawo amakhasimende futhi kuqinise ukulandela imithetho.
  • Ukusebenza kahle komsebenzi konga isikhathi futhi kunciphisa ingcindezi: Izaziso kanye nokugcinwa kwamarekhodi ngesikhathi sangempela kuqeda izinkinga zamaphepha namaphutha abantu.
  • Ukuphatha okucacile kwenza ukukhula kube khona: Ngokulandelela kanye nemibiko engcono, iJoshe Money Lending ingakwazi ukukhula ngokuzethemba futhi ikhonze amakhasimende amaningi.
  • Ukuvikeleka kwedijithali kusekela ukwethembeka: Ukuphathwa kwedatha okuphephile, okwethembekile kubalulekile ekwethembekeni kwamakhasimende nababambiqhaza.

Mayelana neJoshe Money Lending

Esekelwe eSolwezi, eZambia, iJoshe Money Lending inikeza amandla ababoleki bemali ngabanye kanye nosomabhizinisi ngemali yokuboleka efinyelelekayo, eyisekelwe esibambisweni. Ngokwamukela ukuzenzakalela kwedijithali nge-Lendbox, iJoshe isungule izinga elisha lokwethembeka, ukukhula, kanye nokulandela imithetho emkhakheni wemali encane yokuboleka wesifunda, ibonisa ukuthi ngamathuluzi afanele, amabhizinisi amancane angafinyelela umthelela omkhulu.