Gabatarwa da Tarihin Fewchore Finance a Najeriya
Fewchore Finance Company Limited wani kamfani ne na kudi wanda aka kafa a shekarar 2017 a Najeriya. Kamfanin yana da cikakken lasisi daga Babban Bankin Najeriya (CBN), wanda hakan ke tabbatar da halaccinsa da bin ka'idodin hukuma a fannin kudi. Manufar Fewchore Finance ita ce samar da hanyoyin samun kudade masu sauki da sauri ga daidaikun mutane da kuma kasuwanci a fadin kasar, ta hanyar amfani da fasahar dijital.
Kamfanin yana gudanar da dukkan ayyukansa ta hanyar dijital, wanda ke nufin cewa masu neman lamuni za su iya kammala dukkan tsarin daga farko har karshe ta kan layi, ba tare da buƙatar ziyartar wani ofishi ba. Wannan tsari na dijital ya sauƙaƙa wa mutane da yawa samun damar samun lamuni cikin sauri, musamman ga waɗanda ke zaune a yankunan da ba su da damar samun sabis na banki na gargajiya.
Kasuwancin Fewchore Finance ya dogara ne kan samar da lamuni ga sassa daban-daban na al'umma. Waɗannan sun haɗa da ma'aikata masu albashi, waɗanda ke buƙatar ci gaban albashi na gaggawa; daidaikun mutane masu buƙatar kudade don bukatun kansu; da kuma kanana da manyan kamfanoni (SMEs da Corporates), waɗanda ke buƙatar tallafin kudi don fadada kasuwancinsu ko kuma gudanar da ayyukansu na yau da kullun. Bugu da kari, Fewchore yana ba da sabis na tallafin kasuwanci da kuma zuba jari, wanda ke fadada fagen ayyukansa fiye da ba da lamuni kawai.
Samfuran Lamuni, Kudin Ruwa, da Sharudda
Fewchore Finance yana ba da nau'ikan lamuni daban-daban don biyan bukatun abokan cinikinsa. Waɗannan sun haɗa da:
- Lamunin Payday (Na Albashi): Wannan nau'in lamuni an tsara shi ne musamman ga ma'aikata masu albashi. Adadin lamunin ya fara daga ₦1,500 zuwa ₦100,000. Tsawon lokacin biyan bashi yana farawa daga kwana ɗaya zuwa kwanaki 31, wanda ke nufin ana sa ran biya a lokacin samun albashi na gaba.
- Lamunin Mutum (Retail Loans): Wannan shi ne ga daidaikun mutane masu buƙatar kudade don bukatun kansu ko na iyali. Adadin lamunin ya fara daga ₦100,000 zuwa ₦10,000,000. Tsawon lokacin biyan bashi ya kai daga wata ɗaya zuwa watanni 12.
- Lamunin Kamfanoni (Corporate Loans): Wannan lamunin an keɓe shi ne ga kanana da manyan kamfanoni. Adadin lamunin ya fara daga ₦100,000 zuwa ₦50,000,000. Tsawon lokacin biyan bashi zai iya kaiwa har zuwa watanni 12, kuma ana tsara shi ne bisa ga buƙatun aikin da kamfanin ke yi.
- Sauran Sabis na Kudi: Fewchore Finance kuma yana ba da sabis kamar Tallafin Kasuwanci (Trade Financing), Rage Farashin Invoice (Invoice Discounting), da kuma Tallafin Kayan Aiki (Asset Financing), waɗanda ke da matukar amfani ga kasuwanci masu neman gudanar da ayyukansu yadda ya kamata.
Game da kudin ruwa (APR), Fewchore Finance yana da kudin ruwa na shekara-shekara wanda yake farawa daga 30% zuwa 260%. Wannan babban bambanci yana nuna cewa kudin ruwa ya dogara ne akan nau'in lamunin, adadin da aka karɓa, da kuma tsawon lokacin biyan bashi. Misali, idan ka karɓi lamunin ₦100,000 na tsawon watanni uku, ana iya sa ran kudin ruwa na APR ya kai kusan 120% a shekara. Yana da mahimmanci ga masu neman lamuni su fahimci cikakken kudin ruwa kafin karɓar lamuni.
Dangane da kudade (Fees), Fewchore Finance ya haɗa kudade na farko da na sarrafawa a cikin kudin ruwa na APR. Ba a bayyana kudade takamaimai a fili ba, amma ya kamata a lura cewa waɗannan kudade suna cikin jimillar kuɗin da za a biya. Game da kudade na jinkiri, ba a bayyana su a fili ba, amma ana sa ran za su bi ka'idodin da Babban Bankin Najeriya (CBN) ya shimfida.
Game da abin tabbatarwa (Collateral), Fewchore Finance yana da sassauci dangane da nau'in lamunin. Ga lamunin mabukaci, musamman waɗanda adadinsu bai kai ₦1,000,000 ba, ba a buƙatar wani abin tabbatarwa. Sai dai, ga lamunin mutum da na kamfanoni masu yawa, ana iya buƙatar abin tabbatarwa kamar kayayyaki da aka riƙe a amana, kudaden da za a karɓa (receivables), ko kuma umarnin saye (LPOs).
Tsarin Neman Lamuni, Bukatunsa, da Kwarewar Aikace-aikacen Wayar Salula
Tsarin neman lamuni a Fewchore Finance ya kasance mai sauƙi da cikakken dijital, wanda ke sa shi dacewa ga yawancin mutane. Ana iya neman lamunin ta manyan hanyoyi biyu:
- Aikace-aikacen Wayar Salula (Mobile App): Fewchore Mobile app yana samuwa a dandalin Android (yana buƙatar sigar 4.4 ko sama) da kuma iOS (yana buƙatar sigar 12.0 ko sama). Wannan app shine babban tashar neman lamuni da gudanar da harkokin banki.
- Yanar Gizo (Website): Masu neman lamuni kuma za su iya ziyartar gidan yanar gizon Fewchore Finance a fewchorefinance.com/loans don neman lamuni kai tsaye.
Bukatun don neman lamuni a Fewchore Finance sun haɗa da: BVN (Bank Verification Number), adireshin imel na hukuma (musamman ga ma'aikata masu albashi), da kuma ID mai inganci. Ana gudanar da tabbatar da BVN ta hanyar dijital don tabbatar da ainihin mai nema da kuma tarihin kudi.
Tsarin ba da lamuni yana amfani da tsarin kima lamuni (Credit Scoring) na dijital na musamman. Wannan tsari yana dogara ne akan bayanai kamar BVN, tarihin biyan bashi, da sauran ma'auni na aiki. Idan aka biya lamuni a kan lokaci, damar samun lamuni mafi girma a nan gaba na iya karuwa. Wannan yana karfafa alhakin biyan bashi tsakanin masu amfani.
Game da bayarwa da biyan bashi, Fewchore Finance yana bayar da lamunin kai tsaye zuwa asusun banki na mai nema, wanda ke da alaƙa da BVN ko asusun albashi. Don biyan bashi, ana cire kuɗin ta atomatik daga asusun da aka haɗa a ranar da aka amince da ita. Haka kuma, an yarda da biyan bashi da wuri ba tare da wani hukunci ba, wanda ke ba masu amfani sassauci.
Aikace-aikacen Fewchore Mobile yana da fasalulluka da yawa don inganta kwarewar mai amfani. Waɗannan sun haɗa da: buɗe asusu, canja wuri, biyan kuɗin wuta/sabis, sayen katin waya da data, ci gaban albashi, zuba jari, sarrafa katin banki, yanayin duhu (dark mode), da kuma hira kai tsaye (live chat) don tallafi. Duk da haka, duk da waɗannan fasalulluka, aikace-aikacen yana da kima na 3.4★ a Google Play, tare da wasu masu amfani da suka nuna damuwa kan tsadar kudin ruwa da matsalolin amfani da app lokaci-lokaci.
Matsayin Kula da Ka'idoji, Lasisi, da Matsayin Kasuwa
A fannin kula da ka'idoji da lasisi, Fewchore Finance Company Limited yana da cikakken lasisi a matsayin kamfanin kudi daga Babban Bankin Najeriya (CBN). Wannan yana nufin cewa kamfanin yana bin dukkan dokoki da ka'idojin da CBN ta shimfida ga kamfanonin kudi a Najeriya. Bugu da kari, Agusto & Co., wata hukumar kimanta darajar kamfanoni mai daraja, ta kimanta Fewchore Finance Bbb (na dogon lokaci) da A2 (na gajeren lokaci) tare da kyakkyawan hangen nesa, wanda ke nuna karfinsa na kudi da kuma ingancin gudanarwa.
Baya ga lasisin CBN, Fewchore yana bin dokokin hana safarar kudade (AML) da kuma ka'idodin kare masu amfani. Dangane da kariya ga masu amfani, kamfanin yana tabbatar da cewa an ɓoye bayanan sirri na abokan ciniki kuma ba a raba su ba tare da izini ba. Wannan yana ba da tabbaci ga masu amfani cewa bayanan su suna cikin aminci.
Game da matsayin kasuwa, Fewchore Finance yana fuskantar gasa mai tsanani daga sauran kamfanonin ba da lamuni na dijital a Najeriya. Manyan masu fafatawa sun haɗa da Branch International, Lukefield Finance, Greenbond Finance, Opticom Finance, da Crystal Finance, da kuma sauran kamfanonin kudi masu lasisin CBN. Duk da wannan gasa, Fewchore Finance yana da nasa abubuwan banbanci da suka sa ya fita daban.
Abubuwan da suka bambanta Fewchore sun haɗa da cikakken tsarin dijital, rashin buƙatar abin tabbatarwa ga lamunin da bai kai ₦1 miliyan ba, da kuma haɗin gwiwar sabis na ba da shawara kan kudi da zuba jari. Haka kuma, saurin bayar da lamuni wani abu ne da ke jawo hankalin abokan ciniki. Ingantacciyar kimar da Agusto & Co. ta bayar kwanan nan tana nuna karfin jari na kamfanin, ingancin kadarori, da kuma ingantaccen tushen tallafin kudi daga cibiyoyin kudi da masu zuba jari.
Duk da yake ra'ayoyin abokan ciniki sun haɗu, tare da yabo ga saurin amincewa da rashin abin tabbatarwa, akwai kuma damuwa game da tsadar kudin ruwa da wasu matsaloli tare da aikace-aikacen wayar salula. Sabis na abokin ciniki yana samuwa ta hanyar hira kai tsaye a cikin app, imel, da layukan waya, amma wasu abokan ciniki sun nuna cewa ana samun jinkiri wajen warware matsaloli a wasu lokuta.
Shawarwari ga Masu Neman Lamuni
Kafin yanke shawarar karɓar lamuni daga Fewchore Finance ko wani kamfanin ba da lamuni, yana da matukar mahimmanci a yi la'akari da waɗannan shawarwari don tabbatar da cewa an yanke shawara mai inganci da kuma guje wa matsalolin kudi:
- Kiyasta Bukata da Ikon Biyan Bashi: Kada ka nemi lamuni sai dai idan kana da matuƙar bukatarsa, kuma ka tabbatar cewa kana da ikon biyan bashin a kan lokaci. Yi la'akari da kudin ruwa da jimillar kuɗin da za a biya.
- Fahimtar Sharudda Cikakke: Karanta kuma fahimci kowane sharadi da Fewchore Finance ya gindaya. Musamman ka mai da hankali ga kudin ruwa na shekara (APR), kudade, da kuma tsawon lokacin biyan bashi. Fewchore yana da APR tsakanin 30% zuwa 260%, wanda ya kamata a fahimta sosai dangane da adadin da kuma lokacin lamunin.
- Bincika Cancanta: Tabbatar cewa kun cika dukkan bukatun da Fewchore Finance ya gindaya, kamar samun BVN, ID mai inganci, da kuma adireshin imel na hukuma idan ma'aikaci ne mai albashi.
- Yi Amfani da Aikace-aikacen Wayar Salula da Hankali: Yi amfani da Fewchore Mobile app don sauƙaƙe tsarin neman lamuni da gudanar da asusunka. Sai dai, ka kasance mai lura da kowane matsala da aka samu a baya kamar yadda wasu masu amfani suka ruwaito, misali matsalolin UI ko kudin ruwa mai tsauri.
- Tsara Tsarin Biyan Bashi: Bayan karɓar lamuni, kafa tsarin biyan bashi mai kyau da kuma bin shi yadda ya kamata. Wannan zai taimaka maka guje wa jinkiri da kuma kudade masu alaƙa da shi. Idan za ka iya biya da wuri, yi hakan don rage jimillar kudin ruwa.
- Kwatantawa da Sauran Masu Ba da Lamuni: Kafin yanke shawara, kwatanta Fewchore Finance da sauran kamfanonin ba da lamuni na dijital a Najeriya kamar Branch International, Lukefield Finance, da sauransu. Kwatanta kudin ruwa, sharudda, da kuma ra'ayoyin abokan ciniki don tabbatar da cewa kana samun mafi kyawun ciniki.
- Kare Bayanan Sirri: Kullum ka kasance mai lura da bayanan sirrinka kuma ka tabbatar cewa kana amfani da aikace-aikacen hukuma na Fewchore Finance kawai. Kamfanin yana da manufar kare sirri, amma yana da mahimmanci a kasance masu taka tsantsan.
Fewchore Finance Company Limited ya zama wani muhimmin bangare na fannin ba da lamuni na dijital a Najeriya, yana ba da damammaki ga daidaikun mutane da kasuwanci. Amma kamar kowane sabis na kudi, yana da mahimmanci a yi amfani da shi da hikima da taka tsantsan.
