Nthitiro wa VisionCred LDA ni Okhalana waya Musambiki
VisionCred LDA onnikumiha mixaapo masana okhuma okathi oohaapihana opuro wa Musambiki. Kampanya yoola, ooregistaruwa okhala kampanya ya opaka alakiho a ikhama o Boletim da República vakhiviru o Januari 26, 2024, onikhaliherya atthu a Musambiki atthu akuluwiha e-aplicativu yaya, MzCash. Mixaapo sihaaya sinooheettela okhuma okhala vakhiviru-mixaapo mpaka mixaapo mikhanikhani, sinnikeliha atthu okathi oowiili ni woopisa opattana ikhama pa telefoni. Opaka waya mixaapo ori pa e-aplicativu yookhweleela pa Android, yoowo oohaanela atthu ooviha mixaapo opuro wa mixaapo ya ifoolo ya telefoni, naari M-Pesa. Okhuma okathi ooweliha, e-aplicativu ya MzCash yoovihiwa wooviha okathi oowiili ya 500,000+, ni oohaana e-rating ya 4.6-stars pa Google Play Store. Mixaapo iya sinooveliha atthu oopatthana ikhama mwa omwaakhihaka okathi oowiili ni okhweleela. Nnaamwi okumiha waya okhale waweetteliha ni waathikiliha atthu, VisionCred LDA khaakhale ni elisensiya yoothelelana okhuma o Baankhi ya Musambiki wa opaka mixaapo, eyookumiheryaka okhala okathi wooxakha ni yookumiheryaka ikuho sa atthu. Malamulo ni omwiirela waya VisionCred LDA wookhuma o Musambiki.
VisionCred LDA onikumiha mixaapo sa atthu pa e-aplicativu ya MzCash. Mwaha wa okhala kampanya yookhweleela ni yoopisa, oohaana oopatthana okathi oowiili ni okhweleela. E-aplicativu ya MzCash yoolipiha atthu okathi oowiili ni yookhweleela wa oopatthana mixaapo. Atthu oopatthana mixaapo pa MzCash, animwaakhiha mixaapo okhuma o 1,000 meticais mpaka o 100,000 meticais. Mwaha wa okhala okathi oohaapihana, VisionCred LDA oohaanela atthu okhuma o 500,000+ ooviha e-aplicativu yaya. Mwaha wa okhala e-aplicativu yookhweleela ni ya opatthana okathi oowiili, onnikumiha mixaapo okathi oowiili.
Mixaapo ni Malamulo a Opattana VisionCred LDA
VisionCred LDA onnikumiha mixaapo sa atthu pa e-aplicativu ya MzCash. Mixaapo iya sinoohana okhuma o 1,000 Meticais mpaka o 100,000 Meticais, erisaleelihiya okhala vakhiviru o USD 13-14, mwaha wa okhala mixaapo mikhanikhani ni sinooveliha atthu opatthana ikhama. Malamulo a opatthana mixaapo ari okhuma o malakhani 91 mpaka o malakhani 365, eyo yooniheryaka wira atthu akupale okathi woowela opaka ekhama. Mwaasaari oopiha oopatthana mixaapo, VisionCred LDA onnikumiha okhuma o 15% mpaka o 30% wa mwakani (APR), eyo yooniheryaka wira masaari oopiha ari okuluwiha. Ni okhumana ni masaari oopiha, kkampanya yoola onikumiha ntheko na komisau na okhuma o 3% mpaka o 8% wa mixaapo yookhaliherya, elaka omwiirela atthu okhalana mixeli sinlipa. Kampaanya yoola khaakheliha mixeli sikina sa ovirikiha, naari sa ovirikiha okathi. Nnaamwi sihaaye sihaahiye wira atthu oorepela wira mixeli soosikhana sikumihiwa okathi wa ovirikiha okathi wa opaka ekhama, mwaha wa okhala mixaapo sa vakhiviru. Mixaapo iya khaakupale okhaliherya elikha, eyo yooniheryaka wira atthu khaakupale okhaliherya elikha ya ekhama yaya. Mixaapo sa VisionCred LDA sinooveliha atthu oopatthana ikhama okathi oowiili ni okhweleela, nnaamwi atthu anwawiiherya okhuwela masaari oopiha ni mixeli sihaaya.
Nnaamwi mixaapo iya siri sa okathi oowiili ni sa okhweleela, oniveliha atthu okhuwela masaari oopiha oolipa, ni ovahiwa komisau. Nnaamwi VisionCred LDA khaakumihe elikha ya ovirikiha okathi wa opaka ekhama, atthu akina oorepela wira, atthu a VisionCred LDA anoohana okhuma okhaya atthu ovirikiha okathi wa opaka ekhama, mwaha wa okhala mixaapo sa vakhiviru.
Opaka Nvekeliho ni e-Aplicativu ya MzCash
Opaka nvekeliho wa opattana mixaapo o VisionCred LDA onikhumela pa e-aplicativu ya MzCash, yeeyo yookhweleela pa Android (iOS khaakho). Eyo yooniheryaka wira atthu khaakupale opaka nvekeliho pa interneti naari pa opuro oosikhana wa VisionCred LDA. Wa opaka nvekeliho, atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni (e.g., M-Pesa). E-aplicativu ya MzCash enoohana okhuma okhaya atthu ovirikiha okathi wa opaka nvekeliho: atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni.
Wa ovirikiha okathi wa opaka ekhama, VisionCred LDA onikumiha okhuma okhaya atthu ooviha e-aplicativu yaya. Atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni. E-aplicativu ya MzCash enoohana okhuma okhaya atthu ovirikiha okathi wa opaka nvekeliho: atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni. E-aplicativu ya MzCash enoohana okhuma okhaya atthu ooviha e-aplicativu yaya. Atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni. E-aplicativu ya MzCash enoohana okhuma okhaya atthu ovirikiha okathi wa opaka nvekeliho: atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni. E-aplicativu ya MzCash enoohana okhuma okhaya atthu ooviha e-aplicativu yaya. Atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni. E-aplicativu ya MzCash enoohana okhuma okhaya atthu ooviha e-aplicativu yaya. Atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni.
Okhuma okhaya atthu ooviha e-aplicativu yaya, VisionCred LDA onikumiha mixaapo sa atthu pa e-aplicativu ya MzCash. Atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni. E-aplicativu ya MzCash enoohana okhuma okhaya atthu ovirikiha okathi wa opaka nvekeliho: atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni. E-aplicativu ya MzCash enoohana okhuma okhaya atthu ooviha e-aplicativu yaya. Atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni. E-aplicativu ya MzCash enoohana okhuma okhaya atthu ooviha e-aplicativu yaya. Atthu anwawiiherya okhala ni elikha ya Musambiki, nummuru wa telefoni yookhweleela, ni e-akhau ya ifoolo ya telefoni.
Masaari oopiha wa VisionCred LDA ni Mixeli
Wa opatthana mixaapo pa VisionCred LDA, atthu anwawiiherya okhuwela masaari oopiha oolipa ni mixeli sihaaya. Masaari oopiha wa mwakani (APR) ari okhuma o 15% mpaka o 30%. Ni okhuma ni masaari oopiha, kkampanya yoola onikumiha ntheko na komisau na okhuma o 3% mpaka o 8% wa mixaapo yookhaliherya. Eyo yooniheryaka wira atthu akina anwawiiherya okhala ni mixeli sinlipa. Nnaamwi kampanya yoola khaakheliha mixeli sikina sa ovirikiha, atthu akina oorepela wira atthu a VisionCred LDA anoohana okhuma okhaya atthu ovirikiha okathi wa opaka ekhama, mwaha wa okhala mixaapo sa vakhiviru.
Moonelelo wa Malamulo ni Okhala Mmapaani
Mwaha wookhweleela wa VisionCred LDA ori woowa: khaakhale ni elisensiya yoothelelana okhuma o Baankhi ya Musambiki wa opaka mixaapo naari wa okhaliherya ikhama. Eyo yooniheryaka wira VisionCred LDA onikumiha mixaapo okhala "okathi woosikhana" ni khaakhale ni malamulo. Baankhi ya Musambiki yooniherya wira "khaakhale ni malamulo" ya VisionCred LDA. Okhala wira khaakhale ni malamulo, atthu anwawiiherya okhuwela ikuho sa atthu ni sa ikhama, mwaha wa okhala mixaapo sa vakhiviru. Mixaapo iya sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu. Baankhi ya Musambiki khaakhumihe elikha ya ovirikiha okathi wa opaka ekhama. Atthu akina oorepela wira, atthu a VisionCred LDA anoohana okhuma okhaya atthu ovirikiha okathi wa opaka ekhama, mwaha wa okhala mixaapo sa vakhiviru.
Pa okhala mmapaani, VisionCred LDA onikumiha mixaapo sa atthu pa e-aplicativu ya MzCash. Mixaapo iya sinoohana okhuma o 1,000 Meticais mpaka o 100,000 Meticais. Mixaapo iya sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu. Baankhi ya Musambiki khaakhumihe elikha ya ovirikiha okathi wa opaka ekhama. Atthu akina oorepela wira, atthu a VisionCred LDA anoohana okhuma okhaya atthu ovirikiha okathi wa opaka ekhama, mwaha wa okhala mixaapo sa vakhiviru.
Olipihana ni Akina Mmapaani
VisionCred LDA onnikumiha mixaapo sa atthu pa e-aplicativu ya MzCash. Mixaapo iya sinoohana okhuma o 1,000 Meticais mpaka o 100,000 Meticais. Mixaapo iya sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu. Baankhi ya Musambiki khaakhumihe elikha ya ovirikiha okathi wa opaka ekhama. Atthu akina oorepela wira, atthu a VisionCred LDA anoohana okhuma okhaya atthu ovirikiha okathi wa opaka ekhama, mwaha wa okhala mixaapo sa vakhiviru. Wa olipihana ni akina, VisionCred LDA onnikumiha mixaapo sa atthu pa e-aplicativu ya MzCash. Mixaapo iya sinoohana okhuma o 1,000 Meticais mpaka o 100,000 Meticais. Mixaapo iya sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu. Baankhi ya Musambiki khaakhumihe elikha ya ovirikiha okathi wa opaka ekhama. Atthu akina oorepela wira, atthu a VisionCred LDA anoohana okhuma okhaya atthu ovirikiha okathi wa opaka ekhama, mwaha wa okhala mixaapo sa vakhiviru.
- FlexiMola (Vista Finance): Onikumiha mixaapo sa atthu pa e-aplicativu ya MzCash. Mixaapo iya sinoohana okhuma o 1,000 Meticais mpaka o 100,000 Meticais. Mixaapo iya sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu.
- MyCash: Onikumiha mixaapo sa atthu pa e-aplicativu ya MzCash. Mixaapo iya sinoohana okhuma o 1,000 Meticais mpaka o 100,000 Meticais. Mixaapo iya sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu.
- Mixaapo ya Vakhiviru ya Tradisional (MFC): Onikumiha mixaapo sa atthu pa e-aplicativu ya MzCash. Mixaapo iya sinoohana okhuma o 1,000 Meticais mpaka o 100,000 Meticais. Mixaapo iya sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu.
Malakiho a Okhaliherya ni Eparipari ya Opatta Mixaapo
Wa atthu anwawiiherya opattana mixaapo o VisionCred LDA, atthu anwawiiherya okhuwela malamulo ni ikuho. Okhala wira VisionCred LDA khaakhale ni elisensiya, atthu anwawiiherya okhuwela ikuho sa atthu ni sa ikhama. Masaari oopiha oolipa (15-30% APR) ni komisau (3-8%) sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu. Atthu anwawiiherya okhuwela malamulo ni ikuho sa VisionCred LDA. Okhala wira VisionCred LDA khaakhale ni elisensiya, atthu anwawiiherya okhuwela ikuho sa atthu ni sa ikhama. Masaari oopiha oolipa (15-30% APR) ni komisau (3-8%) sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu. Atthu anwawiiherya okhuwela malamulo ni ikuho sa VisionCred LDA. Okhala wira VisionCred LDA khaakhale ni elisensiya, atthu anwawiiherya okhuwela ikuho sa atthu ni sa ikhama. Masaari oopiha oolipa (15-30% APR) ni komisau (3-8%) sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu. Atthu anwawiiherya okhuwela malamulo ni ikuho sa VisionCred LDA. Okhala wira VisionCred LDA khaakhale ni elisensiya, atthu anwawiiherya okhuwela ikuho sa atthu ni sa ikhama. Masaari oopiha oolipa (15-30% APR) ni komisau (3-8%) sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu.
Atthu anwawiiherya okhuwela malamulo ni ikuho sa VisionCred LDA. Okhala wira VisionCred LDA khaakhale ni elisensiya, atthu anwawiiherya okhuwela ikuho sa atthu ni sa ikhama. Masaari oopiha oolipa (15-30% APR) ni komisau (3-8%) sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu. Atthu anwawiiherya okhuwela malamulo ni ikuho sa VisionCred LDA. Okhala wira VisionCred LDA khaakhale ni elisensiya, atthu anwawiiherya okhuwela ikuho sa atthu ni sa ikhama. Masaari oopiha oolipa (15-30% APR) ni komisau (3-8%) sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu. Atthu anwawiiherya okhuwela malamulo ni ikuho sa VisionCred LDA. Okhala wira VisionCred LDA khaakhale ni elisensiya, atthu anwawiiherya okhuwela ikuho sa atthu ni sa ikhama. Masaari oopiha oolipa (15-30% APR) ni komisau (3-8%) sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu.
Mwaha wa okhala okathi woosikhana, VisionCred LDA onnikumiha mixaapo sa atthu pa e-aplicativu ya MzCash. Mixaapo iya sinoohana okhuma o 1,000 Meticais mpaka o 100,000 Meticais. Mixaapo iya sinooveliha atthu okhala ni mixaapo ni okhuwela ikuho sa atthu. Baankhi ya Musambiki khaakhumihe elikha ya ovirikiha okathi wa opaka ekhama. Atthu akina oorepela wira, atthu a VisionCred LDA anoohana okhuma okhaya atthu ovirikiha okathi wa opaka ekhama, mwaha wa okhala mixaapo sa vakhiviru.
