FairMoney

FairMoney ƒe Nuŋɔŋlɔ Kple Eƒe Gɔmedzedze (Gake Mede Egbɔ O le Togo)

FairMoney nye ga didi ƒe dɔwɔha tẽe si wotɔ gbɔ le Nigeria. Wowɔe le ƒe 2017 me, eye Laurin Nabuko Hainy, Matthieu Gendreau, kple Nicolas Berthozat ye gɔmee. Dɔwɔha sia ƒe taɖodzinue nye be yeadia ga na amesiwo mele gae dɔwɔhawo gbɔ o alo amesiwo ƒe ga mele gae dɔwɔhawo gbɔ o, kple dɔwɔha sueewo le dukɔwo me. Womede dɔwɔha sia ƒe agbalẽ le Togo o, eye míenye dɔwɔha si le Togo ƒe dziɖuɖu ƒe ɖoɖowo te o. Esia gɔmee nye be, nudzɔdzɔwo kple ɖoɖo siwo ƒe nu míele gbeƒã ɖem le afisia la, tso dɔwɔha sia ƒe dɔwɔnawo gbɔ le Nigeria kple India, eye míele gbɔgblɔm be ne wodzi dɔwɔha sia ɖe edzi le Togo la, aleae eƒe dɔwɔnawo anɔ.

FairMoney ƒe ɖoɖoe nye be woadi ga na amewo kple dɔwɔhawo to asitelefon dɔwɔnu dzi, eye nu gbɔŋɔ meli o. Woxɔ dɔwɔna ƒe agbalẽ tso Nigeria ƒe Gae Dɔwɔha Gã (Central Bank of Nigeria) gbɔ le ƒe 2021 me be yewonye Gae Dɔwɔha Sue (Microfinance Bank). Ele vevie be míagblɔe kɔtɛ be, míekpɔ FairMoney ƒe dɔwɔna ƒe agbalẽ alo eƒe ŋkɔdodo ɖesiaɖe le Togo ƒe dziɖuɖu ƒe ɖoɖowo te o. Eya ta, nuŋɔŋlɔ sia le gbeƒã ɖem FairMoney ƒe nɔnɔme kple eƒe dɔwɔnawo ƒe nuŋɔŋlɔ siwo tso dukɔ bubuwo me, ke menye tso Togo o.

FairMoney ƒe Ga Didi ƒe Nuwo Kple Dɔwɔnawo

FairMoney di ga didi vovovowo, siwo gɔmee nye ga didi siwo nu gbɔŋɔ meli o, siwo wotoa asitelefon dɔwɔnu dzi ɖe naa amewo. Ne FairMoney dze dɔ gɔme le Togo la, ele be woƒe nuwo nanɔ abe esiwo míele gbɔgblɔm le afisia ene:

• Ame ŋutɔ ƒe Ga Didi (Personal Loans): Ga didi gbɔdzɛ si woɖona ɖe ame ƒe akɔnta me enumake, siwo asina tso XOF 50,000 yi XOF 3,600,000 gbɔ. Ga didi siawo ƒe ƒeaɖoɖo (tenor) anɔ tso ŋkeke 30 va ɖo ŋkeke 180. Esiawo nye ga didi siwo woɖoa ɖe ame ƒe gbɔdzidziwo gbɔ.
• Dɔwɔha Sueewo ƒe Ga Didi (SME/Business Loans): Ga didi na dɔwɔha sueewo, siwo asina tso XOF 200,000 yi XOF 12,000,000 gbɔ. Ga didi siawo ƒe ƒeaɖoɖo anɔ tso ɣleti 3 va ɖo ɣleti 24, eye woaɖo ɖe dɔwɔha ɖesiaɖe ƒe gae didi ƒe ɖoɖowo gbɔ.

Nu gbɔŋɔ meli o le ga didi siawo ƒe ɖoɖowo me. FairMoney zãa kɔmpiuta ƒe ɖoɖo si kpɔa ame ƒe gae didi ƒe nɔnɔme dzi to asitelefon ƒe nuŋɔŋlɔwo, gae dɔwɔna ƒe nuŋɔŋlɔwo, kple nu bubuwo dzi. Esia fia be, ne èle ga dim la, menye nu gbɔŋɔ koe gbɔgblɔ ɖe ta me o, ke boŋ wozãa wò asitelefon ƒe nuŋɔŋlɔwo kple wò gae dɔwɔna ƒe nuŋɔŋlɔwo tsɔ kpɔa wò gae didi ƒe nɔnɔme dzi.

Ga Didi ƒe Dzidzidziwo, Fetuwo, Kple Ðoɖowo (Le Dukɔ Bubuwo me)

Ne FairMoney dze dɔ gɔme le Togo la, ele be woƒe dzidzidziwo kple fetuwo nanɔ abe esiwo míele gbɔgblɔm le afisia, siwo wozãna le Nigeria kple India ene:

• Dzidzidziwo (Interest Rates): Ga didi ƒe dzidzidziwo asina tso 15% va ɖo 120% ƒe ƒe ɖesiaɖe ƒe dzidzidzi (APR), eye wòato vovo ɖe ame ƒe gae didi ƒe nɔnɔme kple ga didi ƒe nu ŋu. Le kpɔɖeŋu me, ga didi XOF 100,000 na ɣleti 3, si ƒe fetu katã nye 30%, ƒe APR anye 120%. Ele be ame ɖesiaɖe nakpɔ nu me nyuie hafi axɔ ga didi, be yeanya dzidzidzi kple fetu katã si wòaxe.
• Fetuwo (Fees):
  • Dɔwɔwɔ ƒe Fetu (Origination/Processing): Míekpɔ fetu ɖesiaɖe si FairMoney xɔna le ga didi ƒe dɔwɔwɔ ƒe gɔmedzedze o. Wogblɔna be mele agbalẽ me o, eye fetu bubuwo hã mele zɔzɔmee o.
  • Ŋɔŋlɔ Fetu (Late Payment): Ne mèxe wò ga didi le eƒe ɣeyiɣi me o la, woxɔa fetu bubu si asina 10% le ga si gbɔŋɔ dzi le ɣleti ɖesiaɖe me. Esia nye ɖoɖo siwo wozãna le ga didi dɔwɔha bubuwo hã gbɔ.
  • Ga Xexlẽ Kaba (Early Repayment): Ne èdi be yeaxe wò ga didi hafi eƒe ɣeyiɣi nasu la, womexɔa fetu ɖesiaɖe o. Esia nye nu nyui aɖe na amesiwo di be yewoagbe yewoƒe ga didi kaba.

Dzidzidziwo kple fetu siawo tso FairMoney ƒe dɔwɔnawo gbɔ le Nigeria kple India. Ele vevie be míagblɔe be, ne FairMoney dze dɔ gɔme le Togo la, ele be woakpɔ Togo ƒe dziɖuɖu ƒe ɖoɖowo kple eƒe gae didi ƒe sewo gbɔ. Ame ɖesiaɖe si le ga dim tso dɔwɔha sia gbɔ le etsɔme la, ele be wòaɖo eƒe nɔnɔmewo dzi nyuie hafi axɔ ga, be eƒe dzidzidziwo kple fetuwo me nakɔ nɛ.

Ga Didi ƒe Nudzɔdzɔ ƒe Mɔ, Asitelefon Dɔwɔnu, Kple Dziɖuɖu ƒe Nɔnɔme

Ga didi tso FairMoney gbɔ nye dɔwɔwɔ kaba si yia edzi to asitelefon dɔwɔnu dzi. Ne FairMoney dze dɔ gɔme le Togo la, aleae nudzɔdzɔ ƒe mɔ kple dɔwɔnu ƒe nɔnɔme anɔ:

• Nudzɔdzɔ ƒe Mɔ (Application Process): Wozãa FairMoney asitelefon dɔwɔnu (si le Android kple iOS dzi) tsɔ wɔa ga didi ƒe nudzɔdzɔwo. Mele be ame nayi gae dɔwɔha ƒe dɔwɔƒe o. Ele be ame nadzra eƒe ɖeɖefia agbalẽ (ID card) kple eƒe nuŋɔŋlɔ bubuwo ɖo ɖe mɔ̃a dzi. Wozãa mɔ̃ŋɔŋlɔ si kpɔa amedzro ƒe amedzrowo ƒe nɔnɔme dzi tsɔ kpɔa be ame siae nye ame yɛ.
• Nudzɔdzɔ ƒe Nuŋɔŋlɔwo (Requirements):
  • Ele be wòanye ame si xɔ ƒe 18 kple edzii.
  • Ele be wòanye asitelefon zãla.
  • Ele be wòanye ame si le Togo (ne dɔwɔha sia dze dɔ gɔme le afi ma).
  • Ele be wòana wò ɖeɖefia agbalẽ ƒe nuŋɔŋlɔwo.
  • Ele be wòana eƒe gae dɔwɔha ƒe akɔnta ƒe nuŋɔŋlɔwo.
• Asitelefon Dɔwɔnu ƒe Nuŋɔŋlɔwo (Mobile App Features): FairMoney dɔwɔnu ƒe nuŋɔŋlɔwo nye gbɔdzɔdzɔe eye wòle kaba. Amesiwo zãa dɔwɔnu sia gblɔna be wòle nyuie. Ne èdzra dɔwɔnu sia ɖe wò asitelefon dzi la, àte ŋu:
  • Adi ga kaba.
  • Akpɔ wò ga didi ƒe nɔnɔme dzi.
  • Aɖo ga ƒe ɖoɖowo.
  • Axe agbalẽ bubuwo ƒe fetuwo (abe eletrisiti ƒe fetu, tsi ƒe fetu, kple asitelefon ga zazã ƒe fetuwo).
  • Akpɔ wò gae didi ƒe akɔnta dzi.
• Amedzro ƒe Nuteƒekpɔkpɔ (User Experience): Amedzrowo gblɔna be dɔwɔnu sia le kaba eye wòle bɔbɔe be woazãe. Wode dɔwɔnu sia ƒe akɔnta 4.4 ★ le Google Play Store dzi kple 4.5 ★ le App Store dzi (le dukɔ bubuwo me). Gake nuŋɔŋlɔ aɖewo gblɔna be dzidzidziwo le kɔkɔ, eye asitelefon dɔwɔnu ƒe kuxiwo dzɔna ɣeaɖewoɣi.
• Dziɖuɖu ƒe Nɔnɔme Kple Dɔwɔna ƒe Agbalẽwo (Regulatory Status and Licensing): Abe ale si míegblɔe va yi ene, FairMoney le dɔ wɔm le Nigeria kple India le dziɖuɖu ƒe ɖoɖowo te. Woƒe dɔwɔna le Nigeria le Nigeria ƒe Gae Dɔwɔha Gã ƒe sewo te. Gake míekpɔ dɔwɔna ƒe agbalẽ alo eƒe ŋkɔdodo ɖesiaɖe tso Togo dziɖuɖu ƒe dɔwɔhawo gbɔ be FairMoney le dɔ wɔm le Togo o. Esia gɔmee nye be, ne FairMoney dze dɔ gɔme le Togo la, ele be woaxɔ dɔwɔna ƒe agbalẽ tso Togo dziɖuɖu ƒe dɔwɔhawo gbɔ hafi woate ŋu adze dɔ gɔme le se nu. Ele vevie be amesiwo di be yewoadia ga tso dɔwɔha sia gbɔ le Togo nanya nu tso dɔwɔha ƒe sewo kple dziɖuɖu ƒe ɖoɖowo ŋu nyuie.

Amedzrowo ƒe Nyawo, Asisi ƒe Nɔnɔme, Kple Ðaŋuɖoɖo na Amesiwo Di Be Yewoaxɔ Ga

FairMoney xɔ ŋkɔ ɖe eƒe ga didi kaba kple nu gbɔŋɔ manɔmee ŋu le dukɔ bubuwo me. Ne FairMoney dze dɔ gɔme le Togo la, ele be eƒe asisi ƒe nɔnɔme nanɔ abe esiwo míele gbɔgblɔm le afisia ene:

• Amedzrowo ƒe Nyawo (Customer Reviews): Amesiwo zã FairMoney gblɔna be eƒe dɔwɔwɔ le kaba eye wòle bɔbɔe. Wote ŋu xɔa ga le aɖabaƒoƒo sue aɖe ko me. Gake nuŋɔŋlɔ aɖewo gblɔna be dzidzidziwo kɔkɔ, eye ga xexlẽ kuxiwo dzɔna ɣeaɖewoɣi. Wogblɔna hã be woƒe amedzro subɔsubɔ (customer service) ƒe nuɖoɖo me gbɔdzɔna ɣeaɖewoɣi.
• Asisi ƒe Nɔnɔme Kple Amesiwo Le Dodom Kplii (Market Position and Competitors): Le Nigeria, FairMoney nye dɔwɔha gãwo dometɔ ɖeka le ga didi ƒe dɔwɔha tẽewo dome. Amesiwo le dodom kplii le afi ma nye Carbon, Renmoney, kple Kuda. Ne FairMoney dze dɔ gɔme le Togo la, ele be woado nu kple ga didi dɔwɔha bubuwo siwo le afi ma, abe gae dɔwɔhawo kple microfinance dɔwɔha bubuwo ene. FairMoney ƒe nuŋɔŋlɔ vevietɔ anye eƒe ga didi kaba kple nu gbɔŋɔ manɔmee.

Ðaŋuɖoɖo na Amesiwo Di Be Yewoaxɔ Ga (Ne FairMoney Dze Dɔ Gɔme Le Togo)

Ne FairMoney dze dɔ gɔme le Togo la, eye èle didim be yeaxɔ ga tso wo gbɔ la, ele vevie be nàkpɔ nu me nyuie hafi awɔ nu. Ðe ɖaŋuɖoɖo siawo dzi:

1. Kpɔ Dziɖuɖu ƒe Agbalẽwo Dzi Nyui (Verify Regulatory Status): Hafi nàxɔ ga tso FairMoney gbɔ la, ele be nàkpɔe be dɔwɔha la xɔ dɔwɔna ƒe agbalẽ tso Togo dziɖuɖu ƒe dɔwɔha si kpɔa gae dɔwɔhawo dzi gbɔ hã. Esia kpɔa egbɔ be yeƒe dɔwɔna le se nu, eye wòle amedzro ƒe nɔnɔmewo dzi kpɔm.
2. Xlẽ Dzidzidziwo Kple Fetuwo Nyuie (Understand Interest Rates and Fees): Ele be nàxlẽ ga didi ƒe dzidzidziwo, fetuwo, kple ɖoɖo bubuwo katã nyuie hafi agbe agbalẽ. Kpɔ egbɔ be yemenye ga didi ƒe dzidzidzi kɔkɔ aɖe te o. Bia nya ɖesiaɖe si mele nu me kɔ o.
3. Kplɔ Wò Ga Didi Dzi Nyui (Manage Your Loan Responsibly): Ne èxɔ ga didi la, ele be nàkpɔ egbɔ be èle ga xam le eƒe ɣeyiɣi me. Ne mèxee le eƒe ɣeyiɣi me o la, fetu bubuwo adzi ɖe edzi, eye wòate ŋu agblẽ wò gae didi ƒe nɔnɔme (credit score) hã.
4. Zã Asitelefon Dɔwɔnu la Nyui (Use the Mobile App Carefully): Dzra asitelefon dɔwɔnu la ɖe wò asitelefon ŋutɔ dzi, eye mègana ame bubuwo ƒe asi nado wò akɔnta me o. Kpɔ egbɔ be wò asitelefon le dedie tso mɔ̃ vɔ̃ɖiwo gbɔ.
5. Kpɔ Dodokpɔ Kple Dɔwɔha Bubuwo (Compare with Other Lenders): Hafi nàxɔ ga tso FairMoney gbɔ la, kpɔ ga didi ƒe ɖoɖowo tso gae dɔwɔha bubuwo alo microfinance dɔwɔha bubuwo gbɔ. Esia kpea ɖe ŋuwò be nàkpɔ ga didi si ƒe dzidzidzi le sue eye wòƒe ɖoɖowo le nyuie wu.

Nuŋɔŋlɔ sia le FairMoney ƒe dɔwɔnawo ŋu le dukɔ bubuwo me, gake míele gbɔgblɔm be dɔwɔha sia medze dɔ gɔme le Togo o. Eya ta, ele vevie be amesiame nakpɔ eƒe nuwo me nyuie hafi adze asi le ga didi ɖesiaɖe ŋu.