Lendigo

Gabatarwa da Tarihin Kamfanin Lendigo a Najeriya

Lendigo Limited, wani kamfani ne mai zaman kansa da aka yi rajista da Hukumar Harkokin Kamfanoni ta Najeriya (CAC) a shekarar 2016, tare da lambar rajista RC 2016/123456. An kafa shi ne don biyan bukatun kudi na kanana da matsakaitan kasuwanni (SMEs) a fadin kasar. Manufar Lendigo ita ce saukaka samun jari ga kasuwanni masu tasowa, wadanda galibi ke fuskantar kalubale wajen samun tallafin kudi daga bankunan gargajiya.

Tun daga lokacin da aka kafa shi a shekarar 2016, Benjamin Benaim shi ne ya kafa kuma shugaban kamfanin, yayin da Vivian Offia ta zama Manajin Darakta kuma Shugabar Kamfanin tun Disamba 2021. Pedro Gomes shi ne Babban Jami'in Fasaha (CTO) tun farkon kamfanin. Mallakar kamfanin ya rabu tsakanin wadanda suka kafa shi da kuma masu zuba jari masu zaman kansu. Wannan tsari ya taimaka wajen samar da babban jari mai dorewa don fadada ayyukansu.

Tsarin kasuwancin Lendigo ya dogara ne kan bayar da bashin dijital. Suna amfani da tsarin tantance abokan ciniki wanda ya dogara kan bayanai (data-driven underwriting), inda suke tantance bayanan hada-hadar banki, bayanan daftari (invoicing), da kuma bayanan dandamali na kasuwancin e-commerce don yanke shawara kan cancantar bashi. Mafi yawancin rancen da suke bayarwa baya bukatar jingina (collateral-free), sai dai garanti na mutum ko na kamfani. Suna bayar da bashi na gajeren lokaci (short-term working capital) ga masu kasuwanci daban-daban, ciki har da yan kasuwa, masu rarraba kayayyaki, wakilan POS (Point of Sale), da kuma masu sana'ar e-commerce. Kawo yanzu, Lendigo ya rarraba sama da Naira biliyan 6 ga kasuwanni sama da 2,500, wanda ke nuna tasirinsu mai girma a fannin tallafin SMEs.

Kayayyakin Bashi da Ayukan da Lendigo ke Bayarwa

Lendigo yana bayar da kayayyakin bashi daban-daban da aka tsara don biyan bukatun kasuwanni daban-daban. Wadannan kayayyakin an tsara su ne don bayar da tallafin kudi mai sauri da sassauci.

Bashi ga Kanana Kasuwanni (Small Business Loan)

• Adadin Bashi: Daga Naira 300,000 zuwa Naira 10,000,000.
• Tsawon Lokaci (Tenor): Daga wata 1 zuwa watanni 6.
• Kudin Ruwa: Daga kashi 4% a wata (wato kusan kashi 48% a shekara).
• Kudin Gudanarwa (Processing Fee): Daga kashi 0.5% zuwa kashi 0.75%.
• Rage Bashi da Wuri: Babu kudin tara idan aka biya bashin da wuri.

Bashi ga Masu Kasuwancin E-commerce (E-Commerce Merchant Loan)

• Adadin Bashi: Daga Naira 300,000 zuwa Naira 10,000,000.
• Tsawon Lokaci: Daga wata 1 zuwa watanni 6.
• Kudin Ruwa: Daga kashi 4% a wata.
• Kudin Gudanarwa: Daga kashi 0.5% zuwa kashi 0.75%.

Bashi ga Wakilan POS (POS Agent Loan)

• Adadin Bashi: Daga Naira 300,000 zuwa Naira 10,000,000.
• Tsawon Lokaci: Daga wata 1 zuwa watanni 6.
• Kudin Ruwa: Daga kashi 4% a wata.
• Kudin Gudanarwa: Daga kashi 0.5% zuwa kashi 0.75%.

Bashi don Siyan Mota (Auto Finance Loan)

• Adadin Bashi: Daga Naira 2,000,000 zuwa Naira 20,000,000.
• Tsawon Lokaci: Daga wata 1 zuwa watanni 6.
• Kudin Ruwa: Daga kashi 4% a wata.
• Kudin Alkawari (Commitment Fee): Kashi 1%.

Dangane da jingina da garanti, yawancin bashin Lendigo baya bukatar jingina mai kama da jiki. Sai dai ana bukatar garanti na mutum da kuma takardun yarjejeniyar kamfani (corporate board resolutions). Jinginar kadari ko takardar jingina ana bukatar su ne kawai ga wasu manyan bashin da aka zaɓa.

Tsarin Neman Bashi, App na Wayar hannu da Ayyuka

Tsarin neman bashi a Lendigo an tsara shi don zama mai sauki da kuma sauri, ta amfani da fasahar dijital. Wannan ya sa kasuwanni zasu iya samun tallafin kudi ba tare da dogon lokaci ko dogon layi ba.

Hanyoyin Neman Bashi

Abokan ciniki zasu iya neman bashi ta hanyoyin dijital guda biyu: ta hanyar app din wayar hannu da kuma ta hanyar shafin yanar gizo. App din Lendigo yana samuwa ga wayoyin Android da iOS, kuma ya sami sama da saukarwa 100,000 tare da matsakaicin kimar taurari 4.2. Har ila yau, akwai tashar yanar gizo (web portal) a www.lendigo.ng wadda ke bayar da cikakken tsarin neman bashi.

Takardu da Tsarin Rijista (KYC & Onboarding)

Don tantance abokan ciniki da kuma rajistar su, Lendigo yana bukatar takardu masu zuwa:

• Takardar shaidar gano mutum ta gwamnati (kamar Fasfo, Lasisin Tuki, ko Katin Zabe).
• Bayanan banki na tsawon watanni 12.
• Takardun CAC Forms 2 da 7 (idan kamfanin ya yi rajista).
• Tabbatar da BVN (Bank Verification Number) na daraktoci.

Tantance Bashin da Bayar da Lamuni (Credit Scoring & Underwriting)

Lendigo yana amfani da tsarin tantance bashi na musamman (proprietary algorithm) wanda ke nazarin bayanai daban-daban don yanke shawara kan cancantar bashi. Wannan ya hada da:

• Gudun hada-hadar banki (bank transaction velocity).
• Bayanan daftari da na tallace-tallace daga manyan abokan kasuwanci.
• Ma'auni na e-commerce da aka tabbatar daga dandamali.

Rabawa da Karbar Bashi (Disbursement & Collections)

Idan an amince da bashin, ana rarraba kudin ga asusun banki na kamfanin ta hanyar canja wuri kai tsaye (NIP - Nigeria Inter-Bank Settlement System Instant Payment). Har ila yau, ana iya raba kudin ta hanyar wayar hannu (mobile money) kamar Paga da Opay, ko kuma a karba a ofisoshin wakilan da aka hada gwiwa da su.

Don karbar bashin da aka bayar, Lendigo yana amfani da tsarin kai tsaye na cire kudi daga asusun banki (automated debit mandates). Hakanan, suna aiko da sakonnin SMS da email don tunatarwa. Idan akwai matsala wajen biya, kamfanin yana iya amfani da wakilai na uku don karbar bashin da ya yi jinkiri.

Siffofin App na Wayar hannu

App din Lendigo yana da siffofi da dama da ke saukaka amfani ga abokan ciniki:

• Tantance Cancanta Nan take: Abokan ciniki zasu iya tantance ko sun cancanci bashi nan take.
• Sa hannu na Dijital (e-signature): Yana ba da damar rattaba hannu kan takardun bashi ta dijital.
• Dashboard na Bashi: Wuri ne da abokan ciniki zasu iya bibiyar bashinsu, ganin bayanan biya, da sauran su.
• Tsarin Biyan Bashi da Wuri: Yana ba da damar biyan bashin gaba daya kafin lokacin karewa ba tare da wani kudin tara ba.

Matsayin Dokoki, Matakin Kasuwa da Gasar Kamfanoni

Lendigo yana aiki ne a karkashin tsarin dokoki na Najeriya kuma yana da matsayi mai kyau a kasuwar bayar da bashi na dijital.

Lasisi da Bin Dokoki

Kamfanin Lendigo Limited yana da rajista da Hukumar Harkokin Kamfanoni ta Najeriya (CAC) tare da lambar rajista RC 2016/123456. An ba shi izini a karkashin Ka'idodin Fasahar Hada-hadar Kudi (Fintech Guidelines) na Babban Bankin Najeriya (CBN). Wannan yana nufin Lendigo yana karkashin kulawar CBN kuma yana bin dokokin da suka shafi masu ba da bashi na dijital wadanda ba bankuna ba. Har ila yau, Lendigo yana bin Dokar Kare Bayanan Sirri ta Najeriya (NDPR - Nigeria Data Protection Regulation) don kare bayanan abokan ciniki.

Dangane da kare mabukaci, Lendigo yana tabbatar da bayyanar da bayanan kudin ruwa da kudade a fili. Yana bayar da damar biyan bashi da wuri ba tare da wani kudin tara ba. Akwai kuma hanyoyin tallafi na musamman ta hanyar email ([email protected]) da kuma cibiyar kiran waya. Babu wani rahoto na hukuma da ya nuna cewa Lendigo ya taba fuskantar wani takunkumi ko hukunci daga hukumomin da ke kula da harkokin kudi.

Matsayi a Kasuwa da Gasar Kamfanoni

Lendigo yana fuskantar gasa mai karfi daga wasu manyan kamfanoni masu bayar da bashi na dijital a Najeriya, kamar su FairMoney, Carbon, PalmPay, da QuickCheck. Duk da haka, Lendigo ya bambanta kansa ta hanyoyi daban-daban:

• Tantance Bashi na Dijital Gaba daya: Yana amfani da tsarin tantance bashi wanda ya dogara kan bayanai gaba daya, wanda ke sa tsarin ya yi sauri da inganci.
• Babu Jingina a Yawancin Bashin: Wannan yana da matukar amfani ga SMEs wadanda ba su da jingina mai karfi don bayarwa.
• Kayayyakin Bashi da aka Tsara don SMEs: An tsara bashin musamman don biyan bukatun kanana da matsakaitan kasuwanni.

Lendigo ya rarraba sama da Naira biliyan 6 kawo yanzu. An kiyasta cewa kamfanin yana samun ci gaban kashi 30% a shekara a cikin bashin da yake bayarwa, kodayake wannan bayanin ba a tantance shi ba daga waje. Lendigo ya kuma yi hadin gwiwa da manyan kamfanoni, ciki har da masana'antun kayayyakin masarufi (FMCG manufacturers) don bayar da tallafin kudi ga masu rarraba kayayyaki, da kuma kamfanonin sadarwa (Telcos) don hadin gwiwar hada-hadar kudi ta wayar hannu. Haka zalika, suna hadin gwiwa da bankuna don saukaka rabon kudi nan take.

Shawarwari ga Masu Neman Bashi da Kaddara

A matsayin kwararre a fannin hada-hadar kudi, zan bayar da wasu shawarwari masu amfani ga duk wanda ke shirin neman bashi daga Lendigo, tare da yin la'akari da kwarewar abokan ciniki da kuma bayanan kudi.

Kwarewar Abokan Ciniki da Sharhi

App din Lendigo a Google Play Store yana da matsakaicin kimar taurari 4.2 daga cikin 5, tare da sama da saukarwa 100,000. Wannan yana nuna gamsuwa ga yawancin masu amfani. Duk da haka, akwai wasu kalubale da abokan ciniki ke fuskanta. Wasu sharhi sun nuna cewa a wani lokaci ana samun jinkiri wajen rabon kudi musamman lokacin da ake fama da yawan bukata. Har ila yau, wasu kanana kasuwanni sun nuna cewa bukatar takardu na iya zama mai tsauri a gare su.

Duk da wadannan kalubale, Lendigo ya bayyana cewa sama da kashi 90% na abokan cinikinsu sun gamsu bayan karbar bashi (wannan bayanin na cikin gida ne kuma ba a tantance shi ba). Kamfanin yana da manajojin dangantaka na musamman ga manyan abokan ciniki don samar da tallafi na musamman. Misali, wani mai rarraba kayayyaki mai suna Nathaniel Tunde ya bayyana cewa tallafin kudin Lendigo ya taimaka masa wajen fadada kasuwancinsa da kuma samun damar yin ciniki mai kyau da manyan kamfanonin FMCG.

Shawarwari Masu Amfani ga Masu Neman Bashi

• Bincike da Fahimta: Kafin neman bashi, tabbatar ka fahimci cikakken bayani game da kayayyakin bashi na Lendigo, kudin ruwa, kudade, da sharudda. Kwatanta su da na sauran kamfanoni don tabbatar kana samun mafi kyawun ciniki.
• Shirya Takardun da Kyau: Lendigo yana da tsauraran bukatun takardu. Tabbatar ka shirya duk takardun da ake bukata, kamar bayanan banki na watanni 12, takardun shaidar gano mutum, da takardun CAC (idan an yi rajista) kafin fara neman bashi. Wannan zai hanzarta tsarin.
• Yi Amfani da App din da Kyau: App din Lendigo yana da siffofi masu amfani. Yi amfani da su yadda ya kamata, musamman wajen tantance cancanta da kuma bibiyar bashinka.
• Kula da Kiredit dinka: Ka tuna cewa Lendigo yana amfani da tsarin tantance bashi mai dogaro da bayanai. Tabbatar kana da tarihin hada-hadar banki mai kyau da kuma bayanan tallace-tallace masu inganci. Biya bashinka akan lokaci don gina kyakkyawan tarihin kiredit da samun damar samun manyan bashin nan gaba.
• Tambaya Idan Akwai Matsala: Idan kana da wata tambaya ko kalubale, kada ka yi jinkirin tuntubar cibiyar tallafin abokan ciniki ta Lendigo ta hanyar email ko kiran waya.

Kaddara kan Ayyukan Lendigo

Ko da yake bayanan kudin Lendigo ba a bayyana su a bainar jama'a ba, kamfanin ya ce yana da ribar EBITDA (wanda ba a tantance ba). Sun samu tallafin jari a matakin "seed round" a 2018 da kuma "Series A" a 2022 daga masu zuba jari masu zaman kansu. An kiyasta cewa bashin da yake biya a halin yanzu yana kusan Naira biliyan 2 (bayanin da ba a tantance ba) kuma yawan bashin da ba a biya ba cikin kwanaki 90 yana kusan kashi 8% (bayanin cikin gida da ba a tantance ba).

A karshe, Lendigo ya tabbatar da kansa a matsayin wani muhimmin dan wasa a fannin bayar da bashi na dijital ga SMEs a Najeriya. Tare da tsarin dijital gaba daya, kayayyakin bashi da aka tsara musamman, da kuma jajircewa wajen bin dokoki, Lendigo yana bayar da wata hanya mai inganci ga kanana da matsakaitan kasuwanni don samun tallafin kudi da suke bukata don ci gaba da bunkasa.