Gabatarwa da Tarihin Kamfanin Easemoni a Najeriya
Easemoni wani babban kamfani ne na bayar da bashi ta hanyar dijital wanda ke aiki a Najeriya, kuma yana ƙarƙashin jagorancin
Babban manufar Easemoni ita ce samar da damammaki na bashi mai sauƙi da sauri ga al'ummar Najeriya. Tana aiki da cikakken izini daga Babban Bankin Najeriya (CBN) a matsayin bankin microfinance, kuma tana da cikakken amincewa daga Hukumar Kare Haƙƙin Masu Amfani da Kayayyaki ta Tarayya (FCCPC) a matsayin mai ba da bashi ta dijital. Wannan yana nuna cewa Easemoni tana bin duk ka'idoji da dokokin da suka shafi ayyukan ba da bashi a kasar, wanda ke baiwa abokan ciniki tabbaci da aminci.
Kamfanin yana mai da hankali kan bayar da bashi na sirri kawai, ba na kasuwanci ba. Yana amfani da fasahar zamani don tantance masu neman bashi cikin sauri, galibi cikin mintuna biyar kacal. Wannan hanya ta dijital gabaɗaya tana kawar da buƙatar takardu da doguwar jira da ake samu a bankuna na gargajiya, wanda hakan ya sa Easemoni ta zama zaɓi mai dacewa ga mutanen da ke buƙatar kuɗi nan take don matsalolin gaggawa ko buƙatu na yau da kullum.
Kayayyakin Bashi da Kudin Ruwa na Easemoni
Easemoni tana bayar da bashi na kuɗi na sirri kawai, kuma duk basussukan ba sa buƙatar jingina. Wannan yana nufin cewa kowane mai neman bashi, muddin ya cika sharuddan, zai iya samun bashi ba tare da ya bayar da wani abu a matsayin jingina ba. Ga cikakken bayani game da kayayyakin basussukan da Easemoni ke bayarwa:
- Ƙarancin Adadin Bashi: ₦3,000
- Mafi Girman Adadin Bashi: ₦2,000,000
- Kudin Ruwa: Daga 5% zuwa 10% a kowane wata. Idan aka lissafa shi a matsayin kuɗin ruwa na shekara-shekara (APR), yana kaiwa daga 60% zuwa 120%.
- Tsawon Lokacin Biyan Bashi: Daga kwanaki 91 (watanni uku) zuwa kwanaki 365 (shekara ɗaya).
- Kudin Fara Bashi (Origination Fee): Babu. Easemoni ba ta karɓar kuɗin fara bashi daga masu neman bashi.
- Kudin Jinkirin Biya (Late Payment Rollover): Ana cajin 1% a kowace rana idan aka jinkirta biyan bashi. Wannan yana nufin cewa idan ba a biya bashi a kan lokaci ba, adadin da za a biya zai ci gaba da ƙaruwa da 1% na adadin bashin a kowace rana da aka yi jinkiri.
- Bukatar Jingina: Babu.
Don ba da misali, idan mutum ya karɓi bashi na ₦3,000 akan tsawon kwanaki 91, tare da kuɗin ruwa na 5% a kowane wata:
Kudin ruwa na wata ɗaya = 5% na ₦3,000 = ₦150
Kudin ruwa na watanni uku (kwanaki 91) = ₦150 x 3 = ₦450
Jimillar kuɗin da za a biya = ₦3,000 (bashi) + ₦450 (kuɗin ruwa) = ₦3,450.
Lura cewa misalin da aka bayar a binciken kamfanin ya nuna ₦273 a matsayin riba don ₦3,000 a kan kwanaki 91 a 5% a wata, wanda ke nuna cewa ana iya samun wata hanyar lissafi ko kuma wani lokaci ana rage kudin ruwan, amma ka'idar kudin ruwan wata-wata tana nan daram.
Hanyar Neman Bashi da Amfani da Manhajjar Wayar Salula
Hanyar neman bashi a Easemoni tana da sauƙi kuma gabaɗaya ana yin ta ne ta hanyar dijital. Wannan yana kawar da buƙatar zuwa banki ko cike takardu da yawa. Ga yadda tsarin yake aiki:
Manhajjar Wayar Salula:
Ana samun Easemoni ne kawai a matsayin manhajja don wayoyin Android. Ba ta da shafin yanar gizo don neman bashi ko kuma tsarin USSD. Manhajar tana samuwa a Google Play Store, kuma tana da fiye da saukewa miliyan 5, tare da matsakaicin ƙimar taurari 4.7 daga sake dubawa sama da 327,000. Wannan yana nuna yadda manhajar ta yi fice da kuma yawan masu amfani da ita.
Tsarin Neman Bashi da Rajista (KYC):
Don neman bashi, ana buƙatar mai nema ya samar da waɗannan bayanan:
- Lambar Tantancewa ta Banki (BVN).
- Ingantacciyar katin shaida na gwamnati (misali, NIN, Voter's Card, Driver's License).
- Lambar waya mai aiki.
- Bayanai na katin banki (debit card).
Duk tsarin rajista da neman bashi ba ya buƙatar takarda ko jiki, ana yin shi ne gabaɗaya a cikin manhajar. Bayan bayar da bayanan, Easemoni tana amfani da nata tsarin ƙididdigar bashi na musamman don tantance cancantar mai nema. Wannan tsarin yana nazarin bayanan BVN, tarihin ma'amaloli, da kuma yadda ake amfani da manhajar don yanke shawara nan take, galibi cikin mintuna biyar kacal.
Rabawa da Karɓar Bashi:
Idan an amince da bashin, ana tura kuɗin kai tsaye zuwa asusun banki da aka nuna a manhajar. Dangane da karɓar biyan bashi, Easemoni tana amfani da tsarin tunatarwa ta SMS. Idan aka jinkirta biya, ana fara cajin kuɗin jinkiri na 1% a kowace rana. Ba a bayar da rahoton cewa kamfanin yana amfani da wasu hanyoyin karɓa masu tsauri ko masu cutarwa ba.
Siffofin Manhajjar Wayar Salula:
Manhajar Easemoni tana da siffofi daban-daban da ke sauƙaƙa amfani da ita ga masu neman bashi, waɗanda suka haɗa da:
- Fom ɗin neman bashi mai sauƙi.
- Tsarin jadawalin biyan bashi.
- Tsarin tunatarwa na biyan bashi.
- Sarrafa asusu da duba tarihin ma'amala.
Easemoni tana da shafin yanar gizo na hukuma don bayar da bayanai da tallafi (
Matsayin Kasuwa, Kwatanta da Masu Fafatawa, da Kariyar Abokin Ciniki
A kasuwar bayar da bashi ta dijital a Najeriya, Easemoni tana fuskantar gasa mai tsauri daga wasu manyan kamfanoni kamar Branch, Carbon, FairMoney, RenMoney, OKash, da Palmcredit. Duk da haka, tana da wasu abubuwan da suka bambanta ta da sauran:
- Iyakar Bashi Mai Girma: Easemoni tana ba da mafi girman adadin bashi na ₦2,000,000, wanda ya fi na yawancin abokan hamayyarta girma a fannin bashi na dijital.
- Goyon Bayan Bankin Microfinance: Tana aiki ƙarƙashin lasisin bankin microfinance, wanda ke ba ta ƙarin amincewa da kuma ƙarfin aiki fiye da wasu kamfanoni masu ba da bashi ta dijital kawai.
- Tsarin Dijital Gabaɗaya: Tsarin neman bashi da amincewa yana da sauri da sauƙi, wanda ya dace da buƙatun masu neman bashi na gaggawa.
Easemoni tana cikin manyan manhajoji 10 na bashi a Najeriya dangane da yawan saukewa, kuma ta ga ci gaba mai sauri, inda ta ba da miliyoyin basussuka a cikin watanni shida da suka gabata ga masu karamin karfi da matsakaici. Abokan ciniki suna yabon saurin amincewa, bayyanar kuɗaɗe, da kuma sauƙin amfani da manhajar.
Ƙorafi da Kariyar Abokan Ciniki:
Duk da yabon da take samu, akwai wasu ƙorafe-ƙorafe da aka saba samu daga abokan ciniki, waɗanda suka haɗa da:
- Kiran Tunatarwa Mai Tsanani: Wasu abokan ciniki sun koka game da yawan kiran waya da Easemoni ke yi don tunatar da su bashin da ake binsu, wanda suke ganin kamar damuwa ne.
- Ƙaruwar Kuɗin Ruwa: Kuɗin ruwa na 1% a kowace rana don bashin da aka jinkirta biya yana ƙara adadin bashin cikin sauri, wanda ke zama babban nauyi ga waɗanda suka kasa biya a kan lokaci.
Duk da waɗannan ƙorafe-ƙorafe, Easemoni tana da tsarin tallafin abokan ciniki ta hanyar imel da layin waya, kuma tana ƙoƙarin amsa tambayoyi da magance matsaloli. A fannin kariyar abokan ciniki, Easemoni tana da wasu matakai kamar:
- Damar sokewa bashi cikin sa'o'i 24 bayan karɓa.
- Bayyana duk kuɗaɗe da sharudda a fili kafin karɓar bashi.
- Tsarin bayar da ƙorafi game da cin zarafi ko rashin da'a daga ma'aikatan karɓar bashi.
Har ila yau, Easemoni tana bin ka'idojin Babban Bankin Najeriya (CBN) da kuma hukumar FCCPC, wanda ya haɗa da kariyar bayanai da sirrin abokan ciniki. Ba a taɓa bayar da rahoton cewa an ci ta tara ko an hukunta ta a bainar jama'a ba.
Shawarwari Ga Masu Neman Bashi
Kafin yanke shawarar neman bashi daga Easemoni ko wani kamfanin bashi na dijital, yana da muhimmanci a yi la'akari da waɗannan shawarwari masu amfani:
- Yi Nazarin Buƙatunka: Ka tabbatar cewa kana da buƙatar kuɗin gaggawa kuma ba za ka iya samunsa ta wata hanyar ba. Bashi na dijital, musamman na Easemoni, yana da kuɗin ruwa mai girma, don haka bai dace da buƙatu marasa gaggawa ba.
- Karanta Sharudda da Ka'idoji Sosai: Ka tabbatar ka fahimci duk sharuddan bashi, musamman kuɗin ruwa, tsawon lokacin biya, da kuma kuɗin jinkirin biya na 1% a kowace rana. Sanin waɗannan zai taimaka maka kauce wa mamaki nan gaba.
- Ƙididdige Ƙarfin Biyan Bashi: Kafin karɓar bashi, ka tabbatar cewa kana da ikon biyan bashin da kuɗin ruwansa a kan lokaci. Rashin biya a kan lokaci zai iya haifar da ƙaruwar bashin cikin sauri saboda kuɗin jinkiri.
- Kauce Wa Bashi Daga Wurare Daban-daban: Kada ka nemi bashi daga kamfanoni daban-daban lokaci guda. Wannan na iya haifar da tarin basussuka da wuya ka iya biya.
- Yi Amfani Da Bashi Don Gaggawa Kadai: Yi amfani da bashi na Easemoni don buƙatun gaggawa kawai. Bai dace ba a yi amfani da shi don kashe kuɗi marasa muhimmanci ko abubuwan jin daɗi saboda tsadar kuɗin ruwansa.
- Sanin Haɗarin Jinkirin Biya: Ka fahimci cewa kuɗin jinkirin biya na 1% a kowace rana yana da tsanani kuma zai iya ƙara maka bashin sosai idan ka jinkirta biya.
- Tuntuɓi Ma'aikatan Easemoni: Idan kana da matsala wajen biyan bashi ko kuma kana da wata tambaya, kada ka yi jinkiri wajen tuntuɓar ma'aikatan Easemoni ta hanyar imel ko layin waya don neman bayani ko taimako.
Easemoni tana ba da wata hanya mai sauƙi da sauri don samun bashi a Najeriya, musamman ga waɗanda ke cikin buƙatar gaggawa. Amma kamar kowane bashi, yana da muhimmanci a yi amfani da shi da hikima da kuma cike da taka tsantsan don kauce wa faɗawa cikin matsalolin kuɗi.
