Ikampanyi Yontxe ya Nikhuta mwa Moçambique

Mulopwana ni Mulopwana, anavalele! Namano, isuwa ya malapikashau o kholha mali, ikhali ithethiya ya edikital, enoothukukhumana oolipa mu Mozambike. Nthowa na othepeya wa isimu sa edikital ni othepeya wa ikhali sa mali ya simu, athu anceya animiilhepa okhola mali okhuma vakhiviru-vakhiviru. Ikharari, ohakalaleli ola onookumiherya tho ikhumo ikina soohicalaliwa, khweeliwi wira athu anikhala oowiilhapuwela.

Isuwa ya Okholha wa Edikital mu Mozambike

Okholha mali wa okumihiwa paahi ni ipankhi mu Mozambike wakhala wothepeya, ovikana 15 paahi ya athu oowana ikoloni. Ikharari, okholha wa edikital woomalha okhala wowaakula mulukunu. Ikhali iyo sa edikital inowa ni muthuku wa:

• Isimu sa Edikital: Ovira 55 paahi ya athu oowana ikoloni animukhalha isimu sa edikital, okhuma 40 paahi mu 2022.
• Mali ya Simu: Vano, athu ovikana 7.2 mirioni animukhalha ikhali sa mali ya simu, okhala 42 paahi ya othekulana wa elapo.
• Mali yo Kholhawa Okhuma Edikital: Mweeri wothe, okhuma wa mali aakhola edikital onivira muteka wa Metikais 1 bilioni.
• Mali yo Kholhawa ya Vati: Paahi yo kholhawa enikhala Metikais 7,500.
• Mithamo yo Kholha (APR): Mithamo ela enniweha vathi va okhuma 13 paahi mpaka 200 paahi khula mwaakha, ikweha isuweliwa ni okholhela ni okumiherya mali.

Ipolisa sa othakeliwa ni Banco de Moçambique (BoM) sinniweha isuwa ela. Nave, Ipolisa 15/99 ya Opankhi ni Ipolisa 49/2017 inniweha ikhali soothaka ikalha sa Microfinanças ni Fintech. Mu 2025, Ipolisa ya Opitha Mali ya Okumana ekumiheriwe, wira ekalhiweke ikhali soopitha mali soohinikhuma okhola, sinasuweliwa ni BoM. NFIS 2025-2031 tho eniweha wira opitha mali wa edikital okhalhe woothepeya, ovira-viraka opitha mali oohikala ni opitha mali oohakalaleli, ni wiilhapuwela wa athumi.

Ikampaniya Soolhamiha Malapikashau o Kholha Mali ni Ihalha Saawe

Vano mu Mozambike, ikampaniya sinthakiwa sinivira 20 sinikumiherya malapikashau o kholha mali. Vano, niweheke ikampaniya sikina soolipa ni ikhali sawe:

1. Smart IZIBanco (Millennium bim)

• Mali yo Kholhawa: Okhuma Metikais 500 mpaka Metikais 20,000.
• Mithamo yo Kholha (APR): Okhuma 13 paahi mpaka 50 paahi.
• Malhehero: 5 paahi ya opitha mali; ahinaana mali yoohoha.
• Muthuku: Ikupanyiya ya Millennium bim, enisuweliwa ni BoM. Anitumiha mwaha wa osiveliwa wa ipankhi.

2. My M-Pesa (Vodacom VM S.A.)

• Mali yo Kholhawa: Okhuma Metikais 100 mpaka Metikais 5,000.
• Mithamo yo Kholha (APR): Okhuma 25 paahi mpaka 100 paahi (enoothukulhiwa ni owiilhepa).
• Malhehero: 3 paahi ya opitha mali; 1 paahi ya othelha khula esiku.
• Muthuku: Ikhali ya mali ya simu yootepeya ya Vodacom. Mithamo mikhule khaaya wiilhepa.

3. e-Mola (Movitel SA)

• Mali yo Kholhawa: Okhuma Metikais 200 mpaka Metikais 2,000.
• Mithamo yo Kholha (APR): Khanisuweliwa mwaha wothe.
• Malhehero: Owiilhepa oohikala; ahinaana mali ya okhalha muthumi.
• Muthuku: Muthuku woopitha mali wa Movitel. Ekhali yoohikaleliwa naano.

4. MzCash

• Mali yo Kholhawa: Okhuma Metikais 1,000 mpaka Metikais 100,000.
• Mithamo yo Kholha (APR): Khanisuweliwa.
• Malhehero: Mali yo kholhawa enoohana muthuku wa edikital; ahinaana mali yoohoha.
• Muthuku: Muthuku woowiilhepa ni mali mathithi, eniweha mali okhola mamukhule.

5. MolaFacil

• Mali yo Kholhawa: Okhuma Metikais 1,000 mpaka Metikais 50,000.
• Mithamo yo Kholhawa (APR): Okhuma 13 paahi mpaka 65 paahi.
• Malhehero: 2 paahi mpaka 6 paahi ya opitha mali; othelha okhuma masiku 61 mpaka 180.
• Muthuku: Muthuku woowiilhepa ni mali mathithi, eniweha mali okhola mamukhule.

6. FlexMoney

• Mali yo Kholhawa: Okhuma Metikais 500 mpaka Metikais 10,000.
• Mithamo yo Kholhawa (APR): Okhuma 30 paahi mpaka 120 paahi (khanisuweliwa mwaha wothe).
• Malhehero: Mali ya opitha mali khanisuweliwa.
• Muthuku: Enitumiha itekinolojiya ikina wira esuweleke owiilhepa.

7. IZI Micro-credit (Millennium BIM)

• Mali yo Kholhawa: Okhuma Metikais 2,000 mpaka Metikais 30,000.
• Mithamo yo Kholhawa (APR): Okhuma 18 paahi mpaka 40 paahi (ni owiilhepa).
• Malhehero: Mithamo yo kholha yoothepeya; ahinaana mali yoohoha.
• Muthuku: Okhuma Millennium bim, enisuweliwa oolipa.

8. Moza Mobile (MozaBanco)

• Mali yo Kholhawa: Okhuma Metikais 1,000 mpaka Metikais 25,000.
• Mithamo yo Kholhawa (APR): Okhuma 20 paahi mpaka 60 paahi (khanisuweliwa).
• Malhehero: Mali ya opankhi yothela.
• Muthuku: Okhuma MozaBanco, enisuweliwa oolipa.

Kweeliwi, ikampaniya ikina ikhali O-Mola ni Quick-e-Pay tho sinikhala mu isuwa ela, ikharari sikina sinikhalha paahi ikhali soopitha mali, ahinaana okumiherya mali okhola naano.

Mithamo yo Kholha, Mali Soolhawa ni Malhehero

Okumiherya wa mali okhuma malapikashau onniweha vathi va owiilhepa wa muthumi ni isuweliwa ya ikampaniya. Mali yo kholhawa enikhuma okhuma Metikais 100 mpaka Metikais 100,000. Mithamo yo kholha tho enniweha vathi va isuweliwa, okhuma mithamo yoothepeya (13 paahi) mpaka yoomukuleya (200 paahi). Mwaha wa othelha wa mali, okhuma masiku 61 mpaka masiku 180, enisuweliwa ni ikampaniya sikina.

Owiilhepa wanu onniwehiwa ni ikampaniya iyo mwaha wa ikhali sa inu sa mali ya simu, ithela sa inu sa bangi, ni isimu sa inu. Owiilhepa oothepeya, okhuma wa nthatha, onniweha wira mukhale ni mithamo yoothepeya. Ikharari, muthumi mpya onniwerya okhalha ni mithamo yoomukuleya.

Wiilhapuwela wa Athumi ni Malhehero Oohimya

Okholha mali okhuma malapikashau onniwerya okhalha wothanana, ikharari tho onnikhalha ni ikhumo sikina soohicalaliwa. Khweeliwi wira mukhale oowiilhapuwela, ni muthanlheke owiilhepa wanu mwaha woosuwenlha.

Ikhumo Soohicalaliwa Sinawiilhepa:

• Mithamo yo Kholha Yoomukuleya: Ikampaniya sikina sinikumiherya mithamo yoomukuleya, okumiherya wira owiilhepa onikhale woowaakula.
• Mali Soohimya: Mali ya opitha mali, mali ya othelha, ni mali ikina sinniwerya okhalha soohimya, ahinaana woosuwenliwa naano.
• Wiilhapuwela wa Ithana: Malapikashau anikoha ithana sa inu soosuweliwa. Khweeliwi wira muthumi akhalhe oowiilhapuwela mwaha wa ithana sawe.
• Oothela wa mali: Othelha wamukuleya onniwerya okumiherya wira mukhale oowiilhepa ovikana mwaha wa othelha wa mali yo kholhawa.

Malhehero Oohimya wa Athumi:

Wira mwiiweleleke okholha wanu wa edikital oolipa ni woohicalaliwa, khweeliwi muthelheke malhehero ala:

1. Mweheke Mithamo yo Kholha ni Mali Ikhina: Muhikhole mali ahinooweha mithamo ni mali ikina yoopitha mali. Mweheke ikampaniya sikina, wira mukhale ni mithamo yoothepeya.
2. Mwamweheke Malhehero a Mali o Kholhawa: Mwalhakelheke malhehero oolipa okhuma va ikampaniya ahinoomwiilhepa wira mukhale oowiilhepa mwaha wa mali yo kholhawa. Muthumelheke masiku a othelha ni mali ya othelha.
3. Muthumelheke Ikampaniya Sisuweliwa ni BoM: Muthumelheke paahi ikampaniya sinisuweliwa ni Banco de Moçambique. Osuweliwa onniweha wira ikampaniya iyo sinniwehiwa ni ipolisa sa okumiherya mali.
4. Muthumelheke Paahi Mali Mwinawerya Othelha: Muhikhole mali ovikana mwinawerya othelha. Okhola mali oothepeya onniwerya okumiherya wira mukhale oowiilhepa ovikana mwaha wa mali yo kholhawa.
5. Mwiilhapuweleke Ithana Sa inu: Muhikumeleke malapikashau ithana sa inu soosuweliwa, khweeliwi wira muthelheke ithana sa inu.

Ikhali sa edikital inniwerya okumiherya ohakalaleli wa athu anceya mu Mozambike. Ikharari, khweeliwi wira mukhale oowiilhapuwela ni oosuwenlha, wira mukhale oolipa ni woohicalaliwa mwaha wa mali yo kholhawa. Mweheke othelha wanu wa mali ni malhehero oolipa.