Inchoi Technology Nigeria Limited

Gabatarwa da Tarihin Kamfanin Inchoi Technology Nigeria Limited

Inchoi Technology Nigeria Limited, wanda aka fi sani da "Inchoi Technology," wani kamfani ne mai tasowa a fannin fasahar kudi na Najeriya (fintech). An kafa kamfanin a ranar 4 ga watan Yuni na shekarar 2021, kuma ya sami cikakken izinin gudanar da ayyukan bayar da rance na dijital daga Hukumar Kula da Gasar Kasuwanci da Kare Hakkokin Masu Amfani ta Tarayya (FCCPC). Ana gudanar da ayyukansa ne ta hanyar manhajojin wayar hannu guda biyu, wato FASTCASH da kuma Mcash. Wannan lasisin na FCCPC ya sanya Inchoi Technology a matsayin mai bin ka'ida a karkashin Tsarin Kula da Rance na Dijital na Wucin Gadi na shekarar 2022, yana mai tabbatar da amincin ayyukansa a idon gwamnatin Najeriya.

Manufar kamfanin ita ce inganta haddar kudi a kasar, musamman ga mutane da kananan sana'o'i wadanda ba su da cikakkiyar damar samun rance daga bankuna na gargajiya. Inchoi Technology tana amfani da tsarin bayar da rance na zamani mai sauri, inda take mayar da hankali kan rance na gajeren lokaci, wanda ba ya buƙatar jingina, ta hanyar manhajojinta na wayar hannu. Ayyukan kamfanin sun bazu zuwa jihohi sama da 30 a fadin Najeriya, inda take hidimtawa dubban mutane masu buƙatar taimakon kuɗi na gaggawa. Duk da cewa kamfanin mallakin masu zaman kansu ne, kuma babu cikakken bayani game da manyan masu hannun jarin sa ko manyan jami'an gudanarwarsa a bainar jama'a, kokarinsa na fadada haddar kudi a Najeriya yana da matukar muhimmanci ga tattalin arzikin kasa.

Kayayyakin Rance, Kudin Ruwa da Sharuddan Biyan Bashin

Inchoi Technology tana bayar da nau'ikan rance guda biyu ta manhajojinta na wayar hannu: Mcash da FASTCASH. Manhajojin biyu suna ba da rance na kai tsaye ga mutane da kananan kamfanoni. Adadin rancen da ake bayarwa yana farawa daga kimanin Naira 10,000 zuwa Naira 500,000. Wannan adadi ne da aka kiyasta, dangane da yadda ake gudanar da irin wadannan rance a Najeriya, kuma kamfanin bai bayyana adadin a bainar jama'a ba.

Sharuddan Rance da Kudade:

• Kudin Ruwa (Interest Rates): Inchoi Technology tana amfani da tsarin kudin ruwa na yau da kullum, wanda ke farawa daga kusan kashi 0.5% zuwa 1.5% a rana. Idan aka fassara wannan zuwa kudin ruwa na shekara (APR), zai iya kaiwa kusan kashi 548% a shekara. Yana da mahimmanci a lura cewa wannan kudin ruwa ne da aka kiyasta, bisa ga abin da aka saba gani a masana'antar bayar da rance ta dijital a Najeriya, kuma kamfanin bai bayyana cikakken adadin APR dinsa a bainar jama'a ba.
• Tsawon Lokacin Rance: Ana bayar da rance ne na tsawon kwanaki 7 zuwa 30. Ana buƙatar biya bashi gaba daya a lokaci guda, ko kuma a yi biya a tsanake ta hanyar manhajar, gwargwadon yarjejeniya.
• Kudaden Aiki (Fees): Ana cajin kudin aiki ko na sarrafawa wanda aka kiyasta zai iya kasancewa tsakanin Naira 500 zuwa Naira 2,000 ga kowane rance. Har ila yau, idan aka yi latti wajen biyan bashi, ana iya cajin karin kudi tsakanin Naira 1,000 zuwa Naira 5,000, ko kuma a sanya karin kudin ruwa na yau da kullum. Babu bayanin kudaden sabis ko na rarraba kudi da kamfanin ya bayyana a bainar jama'a.
• Babu Jingina: Daya daga cikin manyan abubuwan da ke jawo hankalin masu neman rance shi ne cewa Inchoi Technology ba ta bukatar jingina ta zahiri. Ana tantance cancantar mai neman rance ne ta hanyar amfani da bayanan dijital.

Tsarin Aiki, Fasahar Zamani da Matsayin Kula da Ka'idoji

Tsarin aiki na Inchoi Technology yana da sauki kuma an gina shi ne don baiwa abokan ciniki damar samun rance cikin sauri. Babban hanyar neman rance ita ce ta hanyar manhajojin wayar hannu guda biyu, wato "Mcash" da "FASTCASH", wadanda ake samu a dandalin Google Play Store na Android da kuma Apple App Store na iOS. Kamfanin yana da shafin yanar gizo na "Mcash" (mcashngn.com) amma babu bayanin kasancewar ofisoshi ko wakilai na zahiri, duk da cewa kamfanin ya bayyana cewa yana da "rassan ofisoshi a jihohi sama da 30."

Tsarin Aikace-aikace da Fasahar Zamani:

• Hanyar Neman Rance: Ana yin aikace-aikacen gaba daya ta hanyar manhajar wayar hannu. Tsarin tantance bayanan abokin ciniki (KYC) na dijital ne, inda ake buƙatar ID na gwamnati (kamar NIN ko lasisin tuki), tabbatar da lambar BVN (Bank Verification Number), da kuma tattara bayanan wayar salula.
• Tantancewa da Bayarwa: Tsarin shiga da tantancewa yana da cikakken atomatik kuma ana kammala shi a cikin mintuna 5 zuwa 10. Kamfanin yana amfani da tsarin tantance hadari na musamman wanda ke nazarin bayanan da ba na gargajiya ba, kamar yadda ake amfani da waya, bayanan sada zumunta, da tarihin BVN. Bayan an amince da rancen, ana canza kudin zuwa asusun banki na Najeriya da aka haɗa ko kuma walat na kudi na waya. Kamfanin ya bayyana cewa yana rarraba Naira miliyan 60 a rana, ga masu amfani sama da 800,000.
• Manhajojin Wayar Hannu: Manhajojin suna bayar da siffofi kamar bayar da rance nan take, karin iyakar rance ga masu biyan bashinsu akan lokaci, damar kara lokacin biya (rollover) a cikin manhajar, da kuma taɗi na tallafi ga abokan ciniki. An kiyasta darajojin manhajar su zama kusan 3.8★ a Android da 4.0★ a iOS.
• Kasuwar Abokan Ciniki: Kamfanin yana hidimtawa sama da masu amfani 800,000, galibi mutane ne masu shekaru 22-45 da kananan yan kasuwa wadanda ba su da cikakkiyar damar samun ayyukan banki a birane da yankunan kusa da birane.

Matsayin Kula da Ka'idoji:

Inchoi Technology Nigeria Limited tana da cikakken lasisin Hukumar Kula da Gasar Kasuwanci da Kare Hakkokin Masu Amfani ta Tarayya (FCCPC) kuma tana bin ka'idojin bayar da rance na dijital na Najeriya. Kamfanin yana karkashin kulawar Hukumar Haɗin gwiwa ta Ayyuka da Tilastawa (JRETF) da kuma FCCPC. Babu wani bayani a bainar jama'a game da wani matakin ladabtarwa ko tara da aka sanya wa kamfanin. Ayyukan kare abokan ciniki sun haɗa da bayyana sharuddan rance a cikin manhajar da kuma hanyoyin magance koke-koke ta hanyar tallafin cikin manhajar ko kuma layukan waya na FCCPC.

Matsayin Kasuwa, Gasar Kasuwanci da Sharhin Abokan Ciniki

Inchoi Technology tana aiki a cikin kasuwa mai cike da gasa na rance na dijital a Najeriya, inda akwai kusan kamfanoni masu lasisi 200. Yana da kyau a lura cewa manyan kamfanoni kamar Carbon, Branch International, FairMoney, QuickCheck, da Aella, su ne ke da rinjaye a kasuwar. Matsayin kasuwar Inchoi Technology na iya zama kasa da kashi 5%, idan aka kwatanta da wadannan manyan kamfanoni. Bambancin Inchoi Technology ya ta'allaka ne akan saurin aiwatar da aikace-aikacen rance, karin iyakokin rance ga masu biyan bashi akan lokaci, da kuma kudaden sarrafawa masu sauki.

Sharhin Abokan Ciniki da Koke-koke:

Sharhin abokan ciniki kan Inchoi Technology, kamar yadda aka tattara daga rahotannin da ba a tabbatar da su ba, yana nuna gauraye ra'ayoyi. Wasu abokan ciniki sun yaba da saurin amincewa da bayar da rance, wanda ke da matukar muhimmanci ga masu buƙatar kuɗi na gaggawa. Sai dai kuma, an samu koke-koke game da fashewar manhajar lokaci-lokaci (app crashes) da kuma jinkiri wajen samun amsa daga sashin kula da abokan ciniki. Sauran matsalolin da aka ruwaito sun haɗa da matsaloli na fasaha wajen biyan bashi da kuma tsinkayar yawan kudin ruwa idan aka yi latti wajen biya. Sashin kula da abokan ciniki yana samuwa ta hanyar taɗi na cikin manhajar da kuma imel ([email protected]), tare da kiyasin lokacin amsa tsakanin awanni 24 zuwa 48.

Kamfanin yana nuna labaran nasara na kananan 'yan kasuwa, musamman a fannin noma, wadanda suka samu rance har Naira 200,000 don siyan kayayyakin kasuwanci, kuma suka sami riba har kashi 15%. Duk da haka, irin waɗannan ikirari na tallatawa ne kuma ba a tabbatar da su ba a bainar jama'a.

Shawarwari Masu Amfani ga Masu Neman Rance daga Inchoi Technology

A matsayina na kwararre kan harkokin kudi, ga wasu shawarwari masu amfani ga duk wanda ke shirin neman rance daga Inchoi Technology, ko wani kamfanin bayar da rance na dijital a Najeriya:

• Fahimtar Sharuddan Rance: Kafin neman rance, tabbatar da ka karanta kuma ka fahimci cikakken sharuddan da ka'idojin rance, gami da kudin ruwa, kudaden aiki, da kuma takamaiman ranakun biya. Kada ka yi zargin cewa komai zai zama mai sauki.
• Rance Gwargwadon Iko: Ka nemi rance gwargwadon abin da ka san za ka iya biya cikin sauki. Kada ka shiga bashi da zai yi maka nauyi, saboda kudin ruwa da kudaden tara na iya karuwa cikin sauri.
• Sani Game da Kudin Ruwa Mai Yawa: Kamfanonin rance na dijital suna da kudin ruwa na yau da kullum wanda ke iya zama mai yawa idan aka fassara shi zuwa na shekara. Ka kasance a shirye don biyan wannan babban kudin ruwa, musamman idan ka yi latti wajen biya.
• Duba Matsayin Kula da Ka'idoji: Tabbatar cewa kamfanin yana da lasisin FCCPC kuma yana aiki bisa ka'ida. Wannan zai kare ka daga kamfanonin da ba su da izini. Inchoi Technology tana da lasisin FCCPC, wanda alama ce mai kyau.
• Yi Amfani da Rance Don Bukatu na Gaggawa: Rance na dijital ya fi dacewa don biyan bukatu na gaggawa da na gajeren lokaci, kamar matsalolin kudi na wucin gadi ko buƙatar jari ga kananan sana'o'i. Kada ka yi amfani da shi don kashe kudi mara muhimmanci.
• Kula da Sharhin Manhajar: Karanta sharhin wasu masu amfani a Google Play Store ko Apple App Store. Wannan zai ba ka kyakkyawar fahimtar yadda manhajar ke aiki, ingancin sabis na abokan ciniki, da kuma matsalolin da wasu suka fuskanta.
• Guji Tara Rance Daban-daban: Kada ka yi kokarin samun rance daga kamfanoni daban-daban a lokaci guda don biyan bashi. Wannan na iya shigar da kai cikin zurfafa cikin matsalar bashi.

A takaice, Inchoi Technology Nigeria Limited tana bayar da damar samun rance cikin sauki ga mutane da kananan sana'o'i a Najeriya. Sai dai, yana da matukar muhimmanci a yi amfani da sabis dinsu da hankali, tare da fahimtar dukkan sharuddan da wajibcin biya don guje wa matsaloli na kudi.