Gabatarwa da Tarihin Kamfanin Cashigo International Limited a Najeriya
Cashigo International Limited, wadda aka fi sani da alamar kasuwancinta ta LCredit, wata muhimmiyar cibiyar bayar da lamuni ce ta dijital da ke aiki a Najeriya. An kafa ta ne a ranar 17 ga watan Yuli, 2019, kuma an yi mata rajista bisa doka tare da lambar rajista 3227 a Hukumar Kula da Zuba Jari ta Najeriya (NIPC). Hedikwatar kamfanin tana a cikin ginin SCB, lamba 142, Ahmadu Bello Way, Victoria Island, Legas, wanda ke nuna matsayinta a matsayin wani ɓangare na sahun gaba na fasahar kuɗi (fintech) a ƙasar.
Tsarin kasuwancin Cashigo International Limited yana da tushe ne kan ba da lamuni ta hanyar dijital, musamman ta amfani da manhajojin wayoyin salula na zamani da kuma gidan yanar gizon su. Manufar su ita ce samar da lamuni mai sauƙi da sauri ga al'ummar Najeriya, musamman ma'aikata, kananan 'yan kasuwa (SMEs), da kuma waɗanda ke aiki a fannin tattalin arzikin zamani (gig-economy workers) masu shekaru tsakanin 20 zuwa 55 a biranen Najeriya. Wannan dabarun kasuwanci yana ba su damar kaiwa ga dubban mutane waɗanda watakila ba su da damar samun lamuni daga bankuna na gargajiya saboda tsananin buƙatu da dogon lokacin aiki.
A matsayin kamfani mai zaman kansa, Cashigo International Limited ta gina ƙungiyar kwararru da suka haɗa da masu kula da dawo da lamuni irin su Akinbi Omotayo da Lawal Stephen. Waɗannan jami'ai suna taka muhimmiyar rawa wajen tabbatar da daidaiton tsarin bayarwa da dawo da lamuni, wanda ke da mahimmanci ga dorewar duk wata cibiyar bayar da lamuni. Duk da cewa ba a bayyana sunan Babban Jami'in Gudanarwa (CEO) a fili ba, tsarin aiki da manufofin kamfanin suna nuna cewa suna da jajircewa wajen samar da sabis mai inganci da biyayya ga dokokin da aka shimfiɗa a fannin lamunin dijital a Najeriya.
Kayayyakin Lamuni da Sabis na Cashigo International Limited (LCredit)
Babban samfurin lamuni na Cashigo International Limited, wanda aka fi sani da LCredit, shine lamuni na mutum wanda ba ya buƙatar jingina. Wannan yana nufin cewa masu neman lamuni ba sa buƙatar bayar da dukiya ko wani abu mai daraja a matsayin tabbaci kafin a ba su lamuni. Wannan yana sauƙaƙa tsarin neman lamuni sosai kuma yana sa ya zama mai sauri, wanda ya dace da buƙatun gaggawa na yawancin 'yan Najeriya.
Dangane da adadin lamuni, LCredit tana ba da lamuni daga mafi ƙarancin ₦5,000 zuwa mafi yawan ₦100,000. Wannan kewayon yana ba da damar biyan buƙatu daban-daban, tun daga ƙananan matsalolin kuɗi na gaggawa har zuwa buƙatun da suka fi girma na ɗan gajeren lokaci. Yana da mahimmanci a lura cewa adadin da za a iya bayarwa yana dogara ne kan tantance haɗari na kowane mai neman lamuni, wanda algorism na kamfanin ke yi.
Game da kudin ruwa da sharuddan biya, LCredit tana amfani da tsarin kudin ruwa mai daidaito (flat rate) na tsakanin kashi 24% zuwa 29% a shekara. Duk da haka, idan aka yi la'akari da kudin ruwa na shekara-shekara (APR), wanda ke haɗa dukkan kudade, yana iya kaiwa kimanin kashi 35%, kuma wannan yana iya bambanta dangane da tsarin haɗarin mai neman lamuni. Lokacin biyan lamuni yana tsakanin kwanaki 91 zuwa 180, wanda ke ba da ɗan sassauci ga masu karɓar lamuni su zaɓi tsarin da ya dace da su. Galibi ana biyan lamunin ne a dunkule a ƙarshen wa'adin, amma ana iya samun wasu tsare-tsare masu sassauci.
Dangane da kudade, LCredit ba ta bayyana wani kuɗin farawa ba. An haɗa kuɗin sarrafawa a cikin tsarin kudin ruwa mai daidaito. Duk da haka, akwai tsarin biyan tara ga jinkirin biya, kodayake ba a bayyana adadin a fili ba. Wannan yana nuna muhimmancin biyan lamuni akan lokaci don kauce wa ƙarin kudade. Babban abin da ya bambanta su shine rashin buƙatar jingina, wanda ya sa lamunin su zama masu sauƙin shiga ga mutane da yawa.
Hanyar Aiwatarwa, Buƙatu, da Kwarewar Manhajar LCredit
Tsarin neman lamuni a Cashigo International Limited yana da sauƙi kuma yana da sauri, wanda ya dace da salon rayuwa na dijital. Ana gudanar da duk aikace-aikacen ta hanyar manhajar LCredit, wadda a da take samuwa a dandalin iOS da Android. Duk da cewa an cire manhajar daga Play Store a watan Agusta 2024, har yanzu tana samuwa a dandalin iOS kuma ana iya samunta ta hanyar gidan yanar gizon su
Don neman lamuni, masu buƙata suna buƙatar sauke manhajar ko ziyarci gidan yanar gizon su. Tsarin tabbatar da bayanai (KYC) yana buƙatar BVN (Bank Verification Number) don binciken bayanai, sannan kuma za a buƙaci mai neman lamuni ya ɗora hoton katin shaidar kasa ko lasisin tuƙi. Haka kuma, ana buƙatar hoton kai na biometric don tabbatar da ainihin mutum. Waɗannan matakan suna taimakawa wajen tabbatar da ingancin masu neman lamuni da kuma kare kamfanin daga zamba.
Daya daga cikin manyan abubuwan da LCredit ke alfahari da su shine saurin amincewa. Bayan kammala tsarin aikace-aikacen, ana iya samun amincewa a cikin kimanin mintuna 5. Wannan saurin yana yiwuwa ne saboda tsarin tantance lamuni na kamfanin, wanda ke amfani da algorism na musamman don nazarin BVN, tarihin ma'amala, da kuma bayanan wayar salula (duk da cewa ba a bayyana cikakken bayani ba). Wannan tsari yana ba su damar tantance haɗari da sauri kuma su yanke shawara ba tare da dogon lokaci ba. Ana yin tantancewar haɗari ta atomatik, amma ana iya samun nazarin mutum don waɗanda ke kan iyaka.
Da zarar an amince da lamuni, ana fitar da kuɗin kai tsaye zuwa asusun banki na mai neman lamuni, galibi ta hanyar Wema Bank ko Sterling Bank. Ba sa bayar da hanyar karɓar kuɗi a hannu. Don tattara lamuni, LCredit tana amfani da tunatarwa ta atomatik ta hanyar SMS da sanarwa a cikin manhaja. Haka kuma, suna iya yin amfani da tsarin cire kuɗi kai tsaye daga katin da aka ajiye bayan yardar mai amfani. A yayin da aka samu jinkiri ko rashin biya, suna iya amfani da wakilai na uku don tattarawa a fili. Game da manhajarsu, tana da fasalulluka kamar neman lamuni mai sauri, amincewa nan take, biyan lamuni a cikin manhaja, da kuma ginawa tarihin bashi. Duk da haka, an samu rahotanni game da rashin kwanciyar hankali na manhajar da kuma korafi game da kiran tattarawa mai tsanani daga wasu masu amfani.
Matsayin Dokoki, Kwatance da Masu Fafatawa, da Shawarwari ga Masu Neman Lamuni
Cashigo International Limited tana aiki a ƙarƙashin jagorancin ka'idojin Babban Bankin Najeriya (CBN) da kuma dokokin lamunin dijital na 2022. Tana cikin jerin cibiyoyin bayar da lamuni na dijital da Hukumar Kare Haƙƙin Masu Amfani ta Tarayya (FCCPC) ta amince da su. Wannan yana tabbatar da cewa kamfanin yana bin dokokin ƙasa kuma yana da izinin bayar da lamuni. Babu wani hukunci da aka bayyana a bainar jama'a game da Cashigo, wanda ke nuna cewa suna kokarin kiyaye dokoki da ka'idoji.
Dangane da kare masu amfani, Cashigo International Limited yana buƙatar bayyana sharuddan lamuni a fili, gami da haƙƙin biyan lamuni da wuri da kuma kiyaye sirrin bayanan masu amfani. Waɗannan matakan suna da mahimmanci don kare haƙƙin masu karɓar lamuni daga cin zarafi ko rashin adalci. Duk da haka, kamar yadda aka gani a yawancin kamfanonin lamuni na dijital, an samu korafi game da yadda ake tattara lamuni da kuma wasu matsaloli tare da sabis na abokin ciniki, wanda ke nuna buƙatar ingantawa a waɗannan fannoni.
A kasuwar lamunin dijital ta Najeriya, Cashigo International Limited tana da matsayi a tsakiya, tana fafatawa da manyan kamfanoni kamar Branch, Carbon, da FairMoney. Abin da ya bambanta LCredit shine ƙaramin adadin lamunin da take bayarwa (daga ₦5,000) da kuma tsarin tantance lamuni mai sauƙi. Yayin da sauran masu fafatawa ke iya bayar da lamuni mafi girma ko tsarin sabis daban-daban, LCredit ta mai da hankali kan sauri da sauƙin shiga, wanda ke jawo hankalin wani yanki na kasuwa da ke buƙatar ƙananan lamuni na gaggawa.
Ga masu neman lamuni masu yuwuwa, yana da mahimmanci a tuna cewa kodayake lamunin dijital yana da sauƙi, yana zuwa da nasa alhakin. Kafin neman lamuni daga LCredit ko wani kamfanin lamuni na dijital, masu neman lamuni ya kamata su karanta dukkan sharuddan lamuni a hankali, gami da kudin ruwa, kudade, da kuma tsarin biya. Tabbatar cewa za ku iya biyan lamunin akan lokaci yana da mahimmanci don kauce wa tara da kuma lalata tarihin bashin ku. Yarda da yadda ake tattara lamuni yana da muhimmanci, don haka ku tabbata kuna fahimtar dukkan ka'idoji kafin karɓar lamuni.
Nazarin Abokan Ciniki da Mataki a Kasuwa
Kwarewar abokan ciniki tare da LCredit yana da bangarori daban-daban. A gefe guda, yawancin masu amfani suna yaba wa saurin bayar da lamuni da kuma sauƙin tsarin aikace-aikacen. Wannan yana da mahimmanci ga mutanen da ke fuskantar matsalolin kuɗi na gaggawa waɗanda ke buƙatar mafita cikin sauri ba tare da dogon takardun shaida ba. Rashin buƙatar jingina shima wani babban fa'ida ne da ke sa lamunin su zama masu shiga ga mutane da yawa.
A gefe guda kuma, akwai rahotanni game da matsaloli game da manhajar wayar salula ta LCredit, musamman a baya kafin a cire ta daga Play Store. Wasu masu amfani sun koka game da rashin kwanciyar hankali na manhajar. Bugu da ƙari, an samu korafi game da yadda ake tattara lamuni, inda wasu masu amfani suka bayyana kiran tattarawa a matsayin "mai tsanani." Wannan wani fanni ne da kamfanin ke buƙatar ingantawa don kare martabarsa da kuma tabbatar da kwarewar abokin ciniki mai kyau.
Game da sabis na abokin ciniki, Cashigo International Limited tana ba da tallafi ta hanyar imel ([email protected]) da kuma taɗi kai tsaye (live chat). Duk da haka, rahotanni sun nuna cewa ingancin warware matsaloli ya bambanta, inda wasu masu amfani suka bayyana cewa ba a warware matsalolinsu ba. Wannan yana nuna cewa akwai buƙatar inganta tsarin tallafin abokan ciniki don tabbatar da cewa ana amsa tambayoyi da korafi yadda ya kamata da kuma cikin lokaci.
A kasuwar lamuni ta dijital ta Najeriya, LCredit ta gina matsayinta a matsayin mai ba da lamuni mai sauri da sauƙi, musamman ga ƙananan lamuni. Kamfanin yana da niyyar faɗaɗa ayyukansa ta hanyar haɗin gwiwa da kuma ƙara sabbin samfura kamar lamuni ga kananan 'yan kasuwa. Wannan yana nuna cewa suna da burin ci gaba da bunƙasa a cikin kasuwar fasahar kuɗi mai fa'ida a Najeriya. Duk da ƙalubale, damar da suke da ita na ci gaba a kasuwar da ke da yawan buƙatar lamuni ta dijital yana da girma, muddin suna iya inganta kwarewar abokan ciniki da kuma tabbatar da dorewar ayyukansu.
