CashX

Gabatarwa da Tarihin CashX a Najeriya

CashX, wanda a hukunce ake kira CashXpress Nigeria Limited, wata cibiyar ba da ƙananan bashin kuɗi ce ta dijital mai lasisi a Najeriya. An kafa ta ne a shekarar dubu biyu da ashirin da uku (2023) kuma ta fara bayar da bashin farko a watan Janairun dubu biyu da ashirin da huɗu (2024). Kamfanin yana ba da bashin kuɗi mai sauri, ba tare da buƙatar jingina ba, kuma na ɗan gajeren lokaci ta hanyar manhajar waya (mobile app) da shafin yanar gizo. Babban burin CashX shine tallafawa ma'aikatan gwamnati da kamfanoni masu karɓar albashi, ma'aikatan ɗan lokaci (gig workers) waɗanda ke samun kuɗi ta hanyar ayyuka daban-daban, da kuma masu ƙananan kasuwanci waɗanda ke buƙatar kuɗin gudanar da harkokinsu.

Kasancewar CashX ƙarƙashin kulawar Bvsh Technologies Limited, wani kamfani na fasahar kuɗi (fintech incubator) na Najeriya da aka kafa a shekarar dubu biyu da ashirin da biyu (2022), yana nuna jajircewarta wajen amfani da fasaha don sauƙaƙa samun kuɗi. Shugabannin kamfanin sun haɗa da Nnamdi Ohia a matsayin Babban Jami'in Gudanarwa (CEO), wanda ke da gogewar sama da shekaru goma a fannin kasuwancin farawa a Najeriya, da Fadly Emetumah a matsayin Babban Jami'in Fasaha (Co-CEO/CTO), mai shekaru shida na jagorancin ayyukan fasahar kuɗi. Suna amfani da sabbin hanyoyin tantance ƙarfin biyan bashi na dijital, kamar amfani da bayanai daga wayar salula, Lambar Shaida ta Banki (BVN), Lambar Shaida ta Ƙasa (NIN), da tarihin ma'amalar kuɗi, wanda ke baiwa kamfanin damar yanke shawara kan bayar da bashi cikin ƙasa da mintuna biyar.

Kayayyakin Bashi, Kuɗin Ruwa, da Sharudda na CashX

CashX yana ba da nau'ikan bashin da ba a buƙatar jingina ba don buƙatu daban-daban:

• Bashin Kai Tsaye (Personal Loans): Ana bayar da bashin kuɗi daga dubu uku (₦3,000) zuwa dubu dari uku (₦300,000) na Naira. Tsawon lokacin biyan wannan bashi yana farawa daga kwana bakwai (7) zuwa kwana casa'in (90). Akwai kuma damar tsawaita lokacin biyan bashin ta hanyar biyan kuɗin ruwa kawai.
• Bashin Kasuwanci (Business Loans): Wannan bashi ana ba da shi ne ta hanyar dandalin PeerBerry, kuma adadin kuɗin da ake bayarwa ya kai daga dubu dari biyar (₦500,000) zuwa Naira miliyan biyu (₦2,000,000). Tsawon lokacin biya na wannan bashi shine kwana talatin (30) tare da tabbacin siye-da-siye ga masu zuba jari.

Kuɗin Ruwa da Kudade:

Kuɗin ruwa na wata-wata yana tsakanin kashi biyu zuwa kashi huɗu (2.0%–4.0%), wanda ke zama jimillar kuɗin ruwa na shekara-shekara (APR) tsakanin kashi ashirin da huɗu zuwa kashi arba'in da takwas (24%–48%). Duk da haka, akwai rahotannin da ba a tabbatar ba cewa wasu ƙananan bashin gaggawa na iya kaiwa har kashi saba'in (70%) na jimillar kuɗin ruwa na shekara-shekara. Ga masu biyan bashi akai-akai kuma masu ƙarancin haɗari, CashX na iya bayar da kuɗin ruwa mai raguwa har zuwa kashi biyu (2.0%) a wata.

Game da ƙarin kudade:

• Kuɗin Sarrafawa (Origination/Processing Fee): Ana cire kuɗin sarrafawa daga kashi sifili zuwa kashi ɗaya da rabi (0%–1.5%) na asalin bashin. Wannan kuɗin yana cikin adadin da aka bayar tun farko.
• Kuɗin Jinkiri (Late Payment Fee): Idan aka jinkirta biyan bashi, ana biyan ƙarin kuɗin jinkiri na Naira dari biyar (₦500) da kuma kashi biyar (5%) na adadin da ya wuce ranar biya a kowace rana.
• Biyan Bashi Da Wuri (Early Repayment): Babu wani kuɗi da ake cirewa idan aka biya bashi kafin lokacin da aka tsara. A maimakon haka, ana lissafa kuɗin ruwa ne kawai na adadin kwanakin da aka yi amfani da bashin.

Babu buƙatar jingina ko mai bada tabbaci (guarantor) don neman bashi a CashX, sai dai ana buƙatar bayar da lambobin waya na mutanen da za a iya dogaro da su don tabbatar da aminci.

Tsarin Neman Bashi, Fasahar Manhajar Waya, da Tsarin Aiki

Hanyar neman bashi a CashX an tsara ta yadda za ta kasance mai sauƙi da sauri, ta amfani da fasahar dijital gaba ɗaya:

Hanyoyin Nema:

• Manhajar Waya (Mobile App): Akwai manhajar CashX a shagon manhajar wayoyin iOS (Apple App Store) da kuma na Android (Google Play Store). Manhajar ta iOS tana da kimar taurari 4.2 kuma ta samu zazzagewa sama da dubu goma, yayin da ta Android ke da kimar taurari 3.8 kuma ta samu zazzagewa sama da dubu dari.
• Shafin Yanar Gizo (Website Portal): Haka kuma, ana iya neman bashi cikakke ta hanyar shafin yanar gizon CashX.

CashX baya da wani ofishi na zahiri; duk ayyukansu na kan layi ne.

Tabbatar da Asali da Bayanai (KYC & Onboarding):

Don tabbatar da asali, ana buƙatar BVN, NIN, da kuma hoton mai nema. CashX yana buƙatar izinin shiga bayanan wayar salula (kamar yadda ake amfani da wayar, lambobin waya da aka kira) don ginawa da kuma inganta tsarin tantance ƙarfin biyan bashi na musamman. Ana yin tantance haɗari kai tsaye ta amfani da waɗannan bayanan na dijital tare da ƙarin bincike daga cibiyoyin bayar da rahoto kan bashi (credit bureaus).

Tsarin Tabbatar da Kuɗi da Bayarwa:

Tsarin tantance ƙarfin biyan bashi na CashX yana amfani da tsarin algorithmic wanda ke haɗa BVN/NIN, bayanan amfani da waya, tarihin ma'amalar banki/kuɗin waya, da kuma tarihin biyan bashin da aka yi a baya tare da CashX. Yawancin lokuta, ana samun amsa kan neman bashi cikin ƙasa da mintuna biyar.

Hanyoyin Bayar da Kuɗi (Disbursement):

Ana bayar da kuɗin bashi ta hanyoyi daban-daban:

• Canja Wuri zuwa Banki (mafi yawan amfani).
• Canja Wuri Ba tare da Katin Banki ba ta USSD.
• Kuɗin Waya (Mobile Money) kamar na MTN, Airtel, Glo, da 9mobile.
• Akwai kuma gwajin karɓar kuɗi a hannu ta hanyar wakilai a manyan biranen Legas kaɗai.

Tsarin Karɓo Bashi da Gyara:

Ana amfani da tunatarwa ta atomatik ta hanyar saƙon waya (SMS), imel, da kuma sanarwa ta manhajar waya. Ana biyan bashi ta hanyar USSD da kuma haɗin Paystack. Idan an kai matakin jinkiri sosai, ana amfani da umarnin cire kuɗi kai tsaye daga banki da kuma kamfanonin karɓo bashi na ɓangare na uku.

Matsayin Shari'a, Ra'ayoyin Abokan Ciniki, da Matsayi a Kasuwa

CashX yana aiki ne a ƙarƙashin tsarin doka da ka'idojin Najeriya. Kamfanin yana da rijista da Hukumar Rajistar Kamfanoni (Corporate Affairs Commission - CAC) a matsayin Bankin Microfinance na Dijital. Haka kuma, Hukumar Kula da Gasar Ciniki da Kare Hakkin Masu Sayayya ta Tarayya (Federal Competition & Consumer Protection Commission - FCCPC) ta amince da shi a matsayin mai ba da bashi na dijital. Wannan yana nufin CashX yana ƙarƙashin kulawar Babban Bankin Najeriya (Central Bank of Nigeria - CBN) game da ka'idojin Bankunan Microfinance. Ba a taɓa bayar da rahoton wani hukunci ko takunkumi ga CashX ba har zuwa watan Satumban 2025. Kamfanin yana da tsarin kare bayanai daidai da ka'idojin GDPR, kuma yana amfani da tsarin rufin asiri (encryption) don kare bayanan abokan ciniki. Haka kuma, akwai tsarin rigakafin safarar kuɗi (AML) ta hanyar tantance BVN/NIN da sa ido kan ma'amaloli.

Ra'ayoyin Abokan Ciniki da Kimar Manhajar Waya:

• iOS: Manhajar CashX ta samu kimar taurari 4.2 daga cikin taurari 5.0. Abokan ciniki suna yabon saurin aiki da kuma sauƙin amfani da manhajar, amma wasu suna korafi game da rashin bayyana cikakkun bayanai game da kuɗin ruwa.
• Android: A manhajar Android, CashX yana da kimar taurari 3.8. Akwai ra'ayoyi daban-daban game da ingancin sabis na abokan ciniki, inda wasu ke korafin jinkirin amsa tambayoyi.

Korafin da aka fi samu sun haɗa da tsadar kuɗin ruwa ga masu karɓar bashi na farko (har zuwa 48%–70% APR a wasu lokuta) da kuma gajeren lokacin biya wanda ke sa matsin lamba kan masu bashi. Haka kuma, akwai lokutan da ake samun jinkiri wajen bayar da kuɗi a lokutan da buƙata ta yi yawa. Duk da haka, CashX yana da tallafin abokan ciniki na sa'o'i 24 a cikin manhajar da kuma ta WhatsApp, tare da matsakaicin lokacin amsa na awanni biyu.

Matsayi a Kasuwa da Gasar Kasuwanci:

CashX yana da kusan kashi 2.5% na kasuwar bashin micro-dijital a Najeriya, wadda aka kiyasta darajarta ta kai Naira tiriliyan 1.2 a shekara. Manyan masu fafatawa da shi sun haɗa da FairMoney, Carbon, PalmCredit, da Branch. CashX ya banbanta kansa da sauran ta hanyar amfani da bayanan dijital don tantance bashi, kuma yana bayar da bashi mafi girma (har zuwa ₦300,000) idan aka kwatanta da yawancin masu fafatawa. Haka kuma, yana bayar da zaɓuɓɓukan tsawaita lokacin biya da suka fi sassauci.

Shirye-Shiryen Ci Gaba:

CashX na shirin faɗaɗa hanyoyin karɓar kuɗi a hannu zuwa manyan birane 12 nan da ƙarshen shekarar 2025. Har ila yau, suna shirin gabatar da bashin da aka haɗa da albashi ga ƙungiyoyin haɗin gwiwa da ke rajista da CBN, da kuma gwajin ba da kuɗin tallafin takardun biyan kuɗi na SME (₦500k–₦2m) tare da haɗin gwiwar PeerBerry.

Nasiha Mai Amfani Ga Masu Neman Bashi

Ga duk wanda ke tunanin neman bashi daga CashX ko wata cibiyar ba da bashin dijital a Najeriya, akwai wasu muhimman abubuwan da ya kamata a yi la'akari da su:

• Fahimtar Sharuddan Cikakke: Kafin karɓar kowane bashi, tabbatar da cewa ka fahimci cikakken kuɗin ruwa, duk wani ƙarin kuɗi (kamar kuɗin sarrafawa ko na jinkiri), da kuma tsawon lokacin biya. CashX yana bayar da bayanan kuɗin ruwa na wata-wata, amma yana da muhimmanci a fahimci jimillar kuɗin ruwa na shekara-shekara (APR) da kuma yadda zai shafi kuɗinka.
• Karɓar Bashi Mai Dorewa: Ka nemi bashi gwargwadon abin da za ka iya biya ba tare da wahala ba. Karkashin matsin lamba na neman bashi gaggawa, mutane da yawa kan manta da ikon biya. Yi la'akari da cewa bashin dijital, musamman na gajeren lokaci, na iya samun kuɗin ruwa mai tsayi.
• Kwatanta Zaɓuɓɓuka: CashX yana da gasa, don haka yana da kyau ka kwatanta bashin da suke bayarwa da na sauran kamfanoni kamar FairMoney, Carbon, ko Branch. Duba wanda ya fi dacewa da buƙatunka da kuma wanda ke da sharuddan da suka fi sauƙi.
• Amfani da Bashin don Ayyukan da Suka Dace: Idan za ka karɓi bashin kasuwanci, tabbatar da cewa za ka saka kuɗin ne a cikin wani abu da zai kawo maka riba. Idan kuma na kai tsaye ne, ka tabbatar yana warware wata matsala ce ta gaggawa ba wai don lalata ba.
• Biya a Kan Lokaci: Gudun shiga cikin matsalar biyan ƙarin kuɗin jinkiri ta hanyar biyan bashinka a kan lokaci. Wannan zai taimaka maka wajen gina kyakkyawan tarihin biyan bashi wanda zai iya buɗe maka damammaki na samun bashin kuɗi mafi girma ko kuma rage kuɗin ruwa nan gaba.

CashX ya tabbatar da matsayinsa a matsayin jagora a cikin masu ba da bashin micro-dijital a Najeriya, musamman ta hanyar amfani da fasahar dijital don saurin bayar da bashi da kuma samar da bashin da ya kai adadi mai yawa. Tare da kyakkyawan biyayya ga ka'idojin doka, haɗin gwiwar dabaru, da kuma shirin faɗaɗa ayyuka, CashX yana da damar ci gaba mai ɗorewa, matuƙar ya ci gaba da daidaita saurin bayar da bashi da kuma kula da haɗari a cikin yanayin da kuɗin ruwa ke da tsayi.