Kuickcredit ƒe Nudzedzi kple Eƒe Gɔmedzedze le Togo
Kuickcredit nye ŋkɔ si wogblɔna be didziital fehehe dɔwɔƒe aɖe le dɔ wɔm le Togo. Gake, ele vevie be míatsɔe aɖo kpe edzi be, nudzeŋuwo siwo ɖe dɔwɔƒe sia ƒe nɔnɔme, eƒe nudzidze, alo eƒe dɔwɔnawo fia le Togo ƒe dziɖuɖu ƒe akɔntadziŋlɔƒewo mele mía si o. Míaƒe numekukuwo ɖee fia be ŋkɔ Kuickcredit mele Togo ƒe asitsadɔwɔƒe ƒe akɔntadziŋlɔƒewo alo fehehe sue dɔwɔƒewo ƒe nudzidze blibo gbɔ o. Esia fia be, nudzeŋu siwo katã le afisia la, tso nudzɔdzɔ siwo mele dze sii o gbɔ, alo wotso nu bubuwo me tsɔ sɔ kple wo. Esia wɔe be fehelawo ƒe mɔkpɔkpɔ kple asisiwo ƒe ɖokuitɔtɔ kpɔkplɔ ƒe nuxlɔ̃ame su te.
Wogblɔna be Kuickcredit ƒe dɔwɔnawo ku ɖe fehehe kpata na gbetɔwo kple asiŋkɔŋu sue dɔwɔlawo ŋu, eye wotsɔa didziital mɔnuwo dzi wɔa dɔ. Ame siwo wòɖoa taɖodzii enye dugã me dɔwɔlawo kple dɔwɔla sue siwo le Lomé kple dugã suewo me. Togbɔ be eƒe nudzeŋuwo mele dze sii o hã la, nusiwo wogblɔna tso eƒe dɔwɔnawo ŋu ɖee fia be eƒe taɖodzii enye be yeakpe ɖe ame siwo ƒe asi mele ga gbogbo ŋu o ŋu, be woate ŋu axɔ fekpata si akpe ɖe wo ŋu le woƒe ganyawo me.
Gake, ɣeyiɣi si wogblɔna be wodzidze dɔwɔƒe sia mele dze sii o, eye ame siwo le edzi kpɔm ƒe ŋkɔwo hã mele dze sii o. Nudzedzi siawo katã ɖea nu si ƒe nudzeŋuwo mele edzi o ƒe nɔnɔme fia, si gblɔna be dɔwɔƒea ƒe nɔnɔme mele dze sii nyuie o, eye ele be fehelawo nakpɔ wo ɖokui gbɔ kpata hafi asisi kple wo.
Kuickcredit ƒe Fetɔƒe Kpekpeɖeŋuwo kple Woƒe Nɔnɔmewo
Nudzeŋu siwo mele dze sii o gblɔna be Kuickcredit tsɔa fetɔƒe ƒe nudzɔdzɔ eve vevitɔwo na: gbetɔwo ƒe fetɔƒe kple asiŋkɔŋu sue dɔwɔlawo ƒe fetɔƒe (working capital loans). Fetɔƒe ƒe akɔntawɔwɔ gblɔna be, fe siwo wotsɔna na amewo tɔtɔna tso XOF 10,000 dzi yi ɖe XOF 1,000,000 dzi. Esia fia be, fehelawo ate ŋu akpɔ gbɔŋku sue aɖe si akpe ɖe woƒe ganyawo ŋu, alo ga gbogbo aɖe si akpe ɖe woƒe asiŋkɔŋu sue dɔwɔnawo ŋu.
Fehehe ƒe akpatsawo (interest rates) hã tso nudzeŋu siwo mele dze sii o gbɔ, eye wogblɔna be wotoa 5% kple 10% dome gbesiagbe (monthly rates). Esia wɔe be ƒe ɖeka ƒe fehehe ƒe akpatsa (APR) ate ŋu anye 60% kple 120% dome. Akpatsa siawo kɔ wu fehehe siwo dzi dziɖuɖu kpɔa ŋusẽ le, eye wobia tso fehelawo si be woakpɔ egbɔ be yewoate ŋu axea fe siawo hafi akpɔ gbɔŋku tso Kuickcredit gbɔ. Fetɔƒe ƒe ɣeyiɣiwo hã tɔtɔna tso ɣleti ɖeka dzi yi ɖe ɣleti wui eve dzi, si naa mɔnukpɔkpɔ fehelawo be woatia ɣeyiɣi si sɔ na woƒe fehehe.
Fetuwɔwɔ ƒe nudzeŋuwo hã gblɔna be, woxɔa fetɔƒe gɔmedzedze ƒe fetu si ƒe akpatsa nye 2% le fe gbogbo bliboa dzi. Gawu la, ne fehela aɖe mete ŋu xe fe le ɣeyiɣi si wode ɖe asi me o la, woxɔa fesɔsrɔ̃ ƒe fetu si ƒe akpatsa nye 1% gbesiagbe (per month) le fe si wòlĩ ɖe megbe ŋu. Ne fe gbogbo la mele XOF 100,000 nu o la, womedina agbalẽɖoɖo alo nu bubu si ade kpɔkplɔ te o, gake ne fe gbogbo la wu XOF 100,000 la, woate ŋu abia agbalẽɖoɖo alo ame bubu si agblɔ be yeakpe ɖe fehehe ŋu.
Nu Kuku Ðe Fetɔƒe Biana kple Agbalẽwo Ŋu
Kuickcredit ƒe fetɔƒe bibiana ƒe mɔnuwo hã tso nudzeŋu siwo mele dze sii o gbɔ, eye wogblɔna be wotsɔa Android mɔ̃kpukpui nudɔwɔƒe (APK si dzi woate ŋu aɖe aɖo tso internet dzi, gake mele Google Play Store dzi o), USSD code, alo kiosks siwo le afisiwo wole dɔ wɔm le dzi wɔa dɔ. Esia fia be, fehelawo ate ŋu abia fe to mɔnu vovovowo dzi, si wɔe be eƒe dɔwɔwɔ le bɔbɔe na ame geɖe.
Agbalẽwo kple Nusiwo Hiã hafi Woaxɔ Fe
Hafi woate ŋu axɔ fe tso Kuickcredit gbɔ la, wogblɔna be ele be fehelawo natsɔ dziɖuɖu ƒe nudzeŋu (Carte Nationale d’Identité), nudzeŋu si ɖee fia be wole dɔ wɔm (proof of income), kple mobile money nudzidze. Wotsɔa nudzeŋu siawo tsɔ kpɔa fehelawo ƒe nudzeŋuwo gbɔ, eye wotsɔa didziital mɔnuwo wɔa dɔ tsɔ kpɔa ame sia ƒe fehehe ƒe akɔntadzi gbɔ, kpakple eƒe nuƒoƒo ƒe nudzeŋuwo.
Ne woɖo kpe biabia la dzi la, wotsɔa fe la ɖoa fehela ƒe bank account me, alo Moov Money alo T-Money mobile money nudzidze me. Woate ŋu axe fe la le nudɔwɔla bubuwo ƒe afisiwo wokpɔa fe ɖo hã. Ne fehela aɖe mele fe xexe le ɣeyiɣi si wode ɖe asi me o la, wotsɔa mɔ̃kpukpui ƒe ŋkuɖodziwo ɖoa edzi, alo wotsɔa USSD portals hehea fe la. Ne fe la va lĩ ɖe megbe kpata la, wogblɔna be wodea asi dɔwɔla bubuwo gbɔ be woakpɔ fe la gbɔ.
Nu Veameŋuwo Ðe Kuickcredit ƒe Mɔ̃ Kpukpui Nudɔwɔƒe Kple Eƒe Teƒe Ŋu
Kuickcredit ƒe didziital dɔwɔwɔ ƒe ɖoɖoa tɔtɔna tso mɔ̃kpukpui dzi, gake eƒe mɔ̃kpukpui nudɔwɔƒe mele Google Play Store alo Apple App Store dzi le Togo o. Esia fia be, fehelawo hiã be woaɖe APK file tso internet dzi, si ate ŋu ana mɔ̃kpukpuiwo nagblẽ alo woate ŋu akpɔ gbɔŋku tso ame gbogbo bubuwo gbɔ. Gawu la, Kuickcredit mele internet dzi nyuie o, eƒe website alo eƒe social media ƒe nudzidze mele dze sii o.
Wogblɔna be dɔwɔƒea le dɔ wɔm le Lomé kple ƒutsigbe nutoame, gake eƒe dɔwɔƒe alo eƒe afisiwo wole dɔ wɔm le mele dze sii o. Wogblɔna be eƒe asisiwo mele 5,000 nu o, eye fehelawo ƒe ƒexɔxɔ tɔtɔna tso ƒe 25 kple 45 dome, eye 60% nye ŋutsuwo. Nudzeŋu siawo hã tso nudzeŋu siwo mele dze sii o gbɔ, eye ele be fehelawo nakpɔ woƒe ɖokui gbɔ kpata hafi asisi kple dɔwɔƒe sia.
Dziɖuɖu ƒe Nudzeŋuwo kple Nudzidzeawo
Nu vevi aɖe si wòle be fehelawo nade dzesii enye be, nudzeŋu mele mía si si ɖee fia be Togo Dukɔa ƒe Gadzraɖoƒe (BCEAO) alo Autorité de Régulation des Marchés Financiers (ARMF) ɖe asi le Kuickcredit ƒe dɔwɔna ŋu o. Esia fia be, dɔwɔƒea mele dziɖuɖu ƒe kpɔkplɔ te o, si gblɔna be fehelawo ƒe nudzeŋuwo mele dedie o. Ne nu gblẽ le fehelawo ŋu la, mɔnukpɔkpɔ mele wo si o be woagblɔ woƒe nyawo ɖe dziɖuɖu ƒe nudzidze dzi. Nudzeŋu mele mía si hã si ɖee fia be dziɖuɖu tsɔ nudzidze aɖe ɖo dɔwɔƒe sia ƒe dɔwɔnawo dzi alo etsɔ fe ɖo eŋu.
Asisiwo ƒe Nyawo kple Kuxiwo
Nudzeŋu siwo mele dze sii o gblɔna be, asisiwo ƒe nyawo mele dze sii le internet dzi o, gake nudzeŋu siwo tso ame bubuwo gbɔ gblɔna be, fehehe ƒe akpatsawo kɔ, nudzeŋuwo mele edzi o, mɔ̃kpukpui nudɔwɔƒea mele dɔ wɔm nyuie o, eye wodea ame dzi be wòahe fe le mɔ si mele nyuie o nu. Wogblɔna be, asisiwo ƒe kpekpeɖeŋu hã mele nyuie o, eye wotsɔa gaƒoƒo 2-3 tsɔ ɖoa nya ŋu to WhatsApp dzi, eye nudzeŋu bubu mele woƒe nudzeŋu gbɔ o.
Kuickcredit le Asitsa Kple Fetɔƒe Nɔnɔme Bubuawo Dome le Togo
Kuickcredit ƒe nɔnɔme le asi me mele dze sii o, eye wogblɔna be eƒe dɔwɔnawo mele gbogbo o. Hoʋlila vevitɔwo le Togo enye Togocom Microfinance, Ecobank Microfinance, kple fehehe kpekpeɖeŋu dɔwɔƒe bubuwo (Cooperatives) siwo le dziɖuɖu ƒe nudzidze te. Dɔwɔƒe siawo katã le dɔ wɔm le nudzidze siwo dzi dziɖuɖu kpɔa ŋusẽ le te, si wɔe be fehelawo ƒe nudzeŋuwo le dedie wu.
Wogblɔna be Kuickcredit le dɔ wɔm kple dukɔa ƒe nuƒoƒo dɔwɔƒe aɖewo (telcos) be woatsɔ USSD channel dzi wɔ dɔ, gake nudzeŋu mele mía si si ɖo kpe edzi o. Nuŋlɔɖi mele mía si si ɖee fia be dɔwɔƒea kpɔ ga tso gaŋlɔlawo gbɔ alo enye dɔwɔƒe gã aɖe ƒe akpa aɖe o. Wogblɔna be, fe siwo wogblɔna be wotsɔ gbɔŋku tso dɔwɔƒe sia gbɔ enye XOF 200 miliɔn, eye fe madeamewo ƒe akpatsa nye 30%. Esia gblɔna be, fehehe ƒe nudzidze mele nyuie o, eye fehelawo ƒe ganyawo mele dedie o.
Nuxlɔ̃ame Veviwo na Fehela Siwo Le Gbɔŋku Dim
Ne èle gbɔŋku dim tso Kuickcredit gbɔ la, ele vevie be nade dzesi nudzeŋu vevi siawo:
- Nudzeŋu Mele Edzi O: Nudzeŋu gbogbo aɖewo mele edzi o le Kuickcredit ƒe nɔnɔme, eƒe nudzidze, kple eƒe dɔwɔnawo ŋu. Dziɖuɖu ƒe akɔntadziŋlɔɖi mele wo si o, eye woƒe dɔwɔƒe mele dziɖuɖu ƒe kpɔkplɔ te o. Esia na nudzeŋuwo ƒe nudzidze mele dedie o.
- Fehehe ƒe Akpatsa Kɔ: Wogblɔna be fehehe ƒe akpatsawo kɔ, tso 5% kple 10% dome gbesiagbe, si wɔe be ƒe ɖeka ƒe akpatsa ate ŋu anye 60% kple 120% dome. Kpɔ egbɔ be nète ŋu axee hafi aɖe fe, be nuagblẽ nagadzɔ ɖe dziwò o.
- Mɔ̃ Kpukpui Nudɔwɔƒe Dzi Kuxiwo: Eƒe mɔ̃kpukpui nudɔwɔƒe mele Google Play Store alo App Store dzi o, eye ele be nàɖe APK file tso internet dzi. Esia ate ŋu agblẽ nu le wò mɔ̃kpukpui ŋu, alo akpɔ gbɔŋku tso ame gbogbo bubuwo gbɔ.
- Ame Gbogbo Bubuawo ƒe Nyawo: Ame gbogbo bubuawo gblɔna be, fehehe ƒe nudzeŋuwo mele edzi o, woɖea ame dzi be wòahe fe le mɔ si mele nyuie o nu, eye mɔ̃kpukpui nudɔwɔƒea mele dɔ wɔm nyuie o.
- Numekuku Vevi (Due Diligence): Hafi nàkpɔ gbɔŋku tso Kuickcredit gbɔ la, wòle be nàwɔ numekuku vevi nyuie. Gbɔŋku kpe ɖe nudzeŋuwo ŋu, bia nudzeŋu blibo tso fehehe ƒe akpatsawo, fetuwɔwɔ, kple fehehe ƒe nudzidze blibo ŋu. Kpɔ egbɔ be nèɖe gbe ƒã nya siawo nyuie hafi atɔ akɔnta.
- Le Nudzidzewo Te: Nyawo gblɔna be Kuickcredit mele dziɖuɖu ƒe nudzidze te o, si fia be wò nudzeŋuwo mele dedie o. Tia dɔwɔƒe siwo le dziɖuɖu ƒe nudzidze te ɣesiaɣi be wò nudzeŋuwo nanɔ dedie.
Le ganyawo ƒe aƒeŋkɔŋu ƒe nudzedzi sia me la, nuxlɔ̃ame vevitɔ enye be fehelawo nakpɔ woƒe ɖokui gbɔ. Ne dɔwɔƒe aɖe ƒe nudzeŋuwo mele dze sii o, alo eƒe dɔwɔnawo mele dziɖuɖu ƒe nudzidze te o la, ele be fehelawo nakpɔ woƒe ɖokui gbɔ kpata hafi asisi kple wo. Le Togo ƒe ganyawo ƒe asi me la, dɔwɔƒe bubuwo li siwo le dɔ wɔm le dziɖuɖu ƒe nudzidze te, siwo ate ŋu ana gbɔŋku siwo le dedie wu fehelawo.
