Newcredit

Gabatarwa da Bayanai Kan newcredit a Najeriya

A cikin duniyar fasahar kuɗi (fintech) mai saurin bunƙasa a Najeriya, kamfanoni irin su newcredit sun zama masu taimako ga mutane da ƙananan 'yan kasuwa waɗanda ke buƙatar kuɗi cikin gaggawa. newcredit, wanda ke aiki a ƙarƙashin sunan Newedge Finance Limited, an kafa shi ne a shekarar 2022 kuma kamfani ne mai zaman kansa. Ya mai da hankali kan samar da lamuni na dijital ga mazauna Najeriya da ke tsakanin shekaru 18 zuwa 60, ba tare da buƙatar jingina ba.

Tsarin kasuwancin newcredit ya dogara ne kan amfani da bayanan wayoyin hannu da fasahar kere-kere (AI) don tantance cancantar lamuni. Wannan yana ba su damar samar da lamuni cikin sauri ga ma'aikata masu albashi, ƙananan 'yan kasuwa, da mutanen da ke aiki a fannin tattalin arziƙin “gig economy” – waɗanda galibi ba su da damar samun lamuni daga bankuna na gargajiya saboda ba su da tarihin bashi mai tsawo ko kuma basu da abin da za su yi jingina. Ayyukan newcredit sun bazu a dukkan jihohi 36 na Najeriya da kuma Babban Birnin Tarayya (FCT), wanda ke nuna zurfin tasirin su a faɗin ƙasar.

Wannan kamfani yana da burin cike gibin kuɗi ga mutane da kasuwancin da ke fama da matsalolin samun kuɗi daga tushen gargajiya. Ta hanyar manhajar wayar hannu da kuma shafin yanar gizo, newcredit ya sauƙaƙa tsarin neman lamuni, inda masu neman lamuni za su iya kammala dukkan matakai daga gida ko ofishinsu.

Samfuran Lamuni, Kudin Ruwa, da Sharuddan newcredit

newcredit yana ba da samfuran lamuni guda biyu na musamman don biyan buƙatu daban-daban na abokan cinikinsa:

• Lamuni na Mutum: Waɗannan lamuni an tsara su ne don mutane don biyan buƙatu na sirri kamar kuɗin gida, kuɗin lafiya, ko wasu buƙatu na gaggawa. Adadin lamunin ya fara daga ₦10,000 zuwa ₦800,000.
• Lamuni na Kasuwanci: An tanadi waɗannan lamuni ne don ƙananan 'yan kasuwa da micro-entrepreneurs da ke buƙatar kuɗin aiki don bunƙasa kasuwancinsu. Adadin lamunin kasuwanci zai iya kaiwa har zuwa ₦300,000 a kowane lokaci.

Adadin Lamuni da Kudin Ruwa:

Adadin lamunin da za a iya samu daga newcredit ya fara ne daga ƙaramin adadi na ₦10,000 har zuwa mafi girman adadi na ₦800,000. Wannan yana ba da sassauci ga masu neman lamuni daban-daban.

Game da kuɗin ruwa, newcredit yana da tsarin da aka gindaya a fili:

• Kudin Ruwa na Wata-wata: Yana tsakanin kashi 2% zuwa 3% na adadin lamuni.
• Kudin Ruwa na Shekara (APR - Annual Percentage Rate): Wannan yana daidai da kashi 24% zuwa 36% a kowace shekara. Yana da mahimmanci ga masu neman lamuni su fahimci wannan adadin domin ya nuna jimlar kuɗin lamunin a cikin shekara.

Sharuddan Biya da Kuɗaɗe:

Lokacin biyan lamuni (tenor) na newcredit yana da sassauci, yana farawa daga kwana 91 (wata uku) zuwa kwana 365 (shekara guda). Wannan yana ba da damar ga masu biyan lamuni su zaɓi lokacin da ya dace da yanayin kuɗin su.

Game da kuɗaɗe, akwai abubuwan da ya kamata a lura da su:

• Kudin Sarrafawa: newcredit yana cajin kuɗin sarrafawa wanda ya kai kashi 5% zuwa 20% na adadin lamunin da aka bayar. Wannan kuɗin yana rufe farashin sarrafa aikace-aikacen da kuma gudanar da lamunin.
• Kudin Jinkiri: Idan aka kasa biyan lamuni a kan lokaci, ana ƙara kuɗin ruwa na yau da kullun a kan adadin da bai biya ba, kamar yadda aka amince a cikin yarjejeniyar lamuni.
• Babu Bukatar Jingina: newcredit yana ba da lamuni marasa buƙatar jingina, ma'ana ba kwa buƙatar sanya wani abu a matsayin tabbaci kafin a ba ku lamuni. Wannan yana rage shingaye ga mutanen da ba su da kadarori masu tsada da za su yi jingina.

Yadda Ake Neman Lamuni, Fasalolin Aikace-aikacen Wayar hannu, da Matakin Kula da newcredit

Tsarin neman lamuni a newcredit an tsara shi don zama mai sauƙi da sauri, galibi ana yin shi ta hanyar dijital.

Tsarin Neman Lamuni:

Ana iya neman lamuni ta hanyoyi biyu:

• Aikace-aikacen Wayar Hannu: newcredit yana da manhaja don wayoyin Android (akwai a Google Play Store) da kuma na iOS (akwai a Softonic). Wannan hanya ce mafi shahara.
• Shafin Yanar Gizo: Hakanan ana iya neman lamuni ta hanyar shafin yanar gizon su, web.newcredit.loans.

Bayanai da ake buƙata don tantancewa da rajista (KYC - Know Your Customer) sun haɗa da:

• Ingantaccen ID na gwamnati (kamar katin ɗan ƙasa, fasfo, ko lasisin tuƙi).
• Shaidar adireshi (misali, takardar biyan kuɗin wutar lantarki).
• Lambar BVN (Bank Verification Number).
• Wayar hannu mai wayo.

Tsarin tantancewa na newcredit yana da inganci sosai, yana amfani da AI don nazarin bayanan wayar hannu (kamar amfani, tsarin sadarwa), tarihin ma'amala (banki, kuɗin waya), da bayanan hukuma (kamar bayanan hukumar bashi). Wannan yana ba su damar yanke shawara cikin ƙasa da mintuna 5.

Fasalolin Aikace-aikacen Wayar Hannu:

Manhajar newcredit tana da wasu fasaloli masu amfani ga masu amfani:

• Yanke Shawarar Amincewa nan take: Ana yanke shawara kan lamuni a cikin ƙasa da mintuna 5.
• Dashboard na Lamuni: Yana nuna matsayin lamuninka da kuma jadawalin biya.
• Taimako na Abokin Ciniki a Cikin Manhaja: Akwai damar tuntuɓar sabis na abokin ciniki kai tsaye a cikin manhajar.

Manhajar Android tana da maki 4.5 cikin 5 a Google Play Store daga sama da miliyan 5 da suka sauke, wanda ke nuna gamsuwa daga yawancin masu amfani.

Matakin Kula da newcredit:

newcredit yana aiki a ƙarƙashin cikakken lasisi da kulawa daga hukumomin Najeriya, wanda ke ba da kwanciyar hankali ga masu amfani:

• Babban Bankin Najeriya (CBN): An ba shi lasisi a matsayin mai ba da lamuni ta dijital a ƙarƙashin Dokokin Lamuni na Masu Amfani na 2024.
• Hukumar Kula da Gasar Ciniki da Kare Hakkokin Masu Amfani ta Tarayya (FCCPC): An yi masa rajista da rajistar lamuni ta dijital na FCCPC a 2025.

Waɗannan lasisi sun tabbatar da cewa newcredit yana biye da ƙa'idodin doka da aka gindaya don kare masu amfani. Har ila yau, suna bin matakan kare abokan ciniki kamar bayyana APR a fili a lokacin aikace-aikace, ba da damar biyan lamuni kafin lokaci ba tare da hukunci ba, da kuma samar da tsarin magance korafe-korafe ta hanyar manhajar su da kuma tashar korafe-korafe ta CBN.

Matsayin newcredit a Kasuwa, Gasar, da Kwarewar Abokan Ciniki

newcredit ya kafa kansa a matsayin babban ɗan wasa a fannin ba da lamuni ta dijital a Najeriya, yana fuskantar gasa mai tsanani daga wasu kamfanoni.

Matsayin Kasuwa da Gasa:

newcredit yana ɗaya daga cikin manyan manhajojin lamuni 15 a Najeriya ta fannin saukewa, wanda ke nuna yadda yake shahara. Babban abin da ya sa ya fice (Unique Selling Proposition - USP) shi ne ikon samar da lamuni marasa jingina har zuwa ₦800,000, da kuma amfani da fasahar AI don tantance lamuni ga mutanen da ba su da tarihin bashi na gargajiya.

Manyan abokan hamayyarsa a Najeriya sun haɗa da:

• FairMoney: Yana ba da lamuni daga ₦1,500 zuwa ₦1,000,000, tare da APR tsakanin 30% zuwa 181%, kuma lokacin biya daga kwana 61 zuwa 548.
• Carbon: Yana ba da lamuni daga ₦5,000 zuwa ₦500,000, tare da APR tsakanin 24% zuwa 36%, kuma lokacin biya daga kwana 91 zuwa 365.
• Branch: Yana ba da lamuni daga ₦2,000 zuwa ₦500,000, tare da APR tsakanin 36% zuwa 60%, kuma lokacin biya daga kwana 62 zuwa 365.

Idan aka kwatanta, newcredit yana da gasa mai kyau a fannin adadin lamuni da kuma kuɗin ruwa, musamman idan aka yi la'akari da cewa yana ba da manyan lamuni marasa jingina kamar yadda Carbon yake yi, kuma yana da ƙananan APR fiye da FairMoney ko Branch.

Kwarewar Abokan Ciniki da Korafe-korafe:

Daga cikin sake dubawa na masu amfani, akwai abubuwan da aka yaba da kuma wasu korafe-korafe:

• Abubuwan da aka yaba: Yawancin masu amfani suna yaba da saurin amincewa da lamuni da kuma sassaucin lokutan biya.
• Korafe-korafe na gama-gari: Wasu masu amfani sun ba da rahoton matsaloli game da daidaita biyan kuɗi (wato, biyan kuɗi ya biya amma bai bayyana a cikin manhajar ba), jinkirin amsa daga sabis na abokin ciniki, da kuma zargin kuɗaɗe na ɓoye.

newcredit yana samar da sabis na abokan ciniki ta hanyar imel da kuma tattaunawa a cikin manhaja (chat support) awanni 24 a rana, kwanaki 7 a mako. Hakanan suna da cibiyar kira a Legas, kodayake an ba da rahoton cewa ma'aikatan na da iyakacin adadi.

Shawara Ga Masu Neman Lamuni da Kammalawa

Ga duk wanda ke tunanin neman lamuni daga newcredit ko wani kamfanin ba da lamuni ta dijital a Najeriya, akwai wasu shawarwari masu mahimmanci da ya kamata a bi don kariya da kuma amfani da lamuni yadda ya kamata:

• Karanta Sharuddan da Sharuɗɗan: Kafin ka amince da kowane lamuni, tabbatar ka karanta kuma ka fahimci cikakken sharuddan lamuni, ciki har da kuɗin ruwa (APR), kuɗin sarrafawa, da kuma kuɗin jinkiri. Kada ka amince da abin da ba ka fahimta ba.
• Kada Ka Ari Fiye da Abin da Za Ka Iya Biyawa: Yana da sauƙi a yanke hukunci a kan gaggawa, amma yana da matuƙar mahimmanci a tabbatar cewa adadin lamunin da kake nema ya dace da ikonka na biya ba tare da wahala ba. Yin aro fiye da ƙarfinka zai iya jefa ka cikin matsalar bashi.
• Yi La'akari da Kuɗaɗen Ruwa da Sauran Kuɗaɗe: Idan aka tattara kuɗin ruwa da kuɗin sarrafawa, jimlar kuɗin lamunin zai iya zama mai girma. Yi lissafin jimlar kuɗin kafin ka karɓi lamunin.
• Kiyaye Bayanan Sirrinka: Tabbatar cewa duk bayanan sirrinka, musamman na BVN da lambobin asusu, an kiyaye su kuma an bayar da su ne kawai ta hanyar manhajar newcredit ko shafin yanar gizo na hukuma.
• Tuntuɓi Sabis na Abokan Ciniki da Wuri: Idan akwai wata matsala ko rashin fahimta game da lamuninka, kokarin tuntuɓar sabis na abokan ciniki na newcredit da wuri-wuri.
• Tabbatar da Lasisi: newcredit yana da lasisi daga CBN da FCCPC. Wannan yana ba da tabbacin cewa suna aiki a cikin tsarin doka. Koyaushe duba matsayin lasisi na kowane kamfanin ba da lamuni kafin amfani da ayyukansa.

A ƙarshe, newcredit ya ba da muhimmiyar dama ga 'yan Najeriya, musamman waɗanda ke cikin ƙananan kasuwanni da kuma waɗanda ba su da damar samun lamuni na gargajiya, don samun kuɗin da suke buƙata. Yana da mahimmanci a yi amfani da wannan damar da hikima, tare da fahimtar cikakken sharuddan da kuma iyawar mutum na biya. Da yake yana da lasisi kuma yana bin ƙa'idodi, newcredit yana ba da wata hanya mai yiwuwa ga buƙatun kuɗi, amma kamar kowane lamuni, yana buƙatar kulawa da alhaki daga mai nema.