Quick Credit Nigeria Limited

Gabatarwa da Tarihin Kamfanin Quick Credit Nigeria Limited a Najeriya

A cikin duniyar ba da lamuni ta dijital da ke ci gaba da bunkasa a Najeriya, sunaye da yawa suna fitowa don ba da sabis na ba da bashi mai sauri. Daga cikin waɗannan akwai sunan Quick Credit Nigeria Limited. Duk da haka, bincike mai zurfi ya nuna cewa akwai rudani da yawa game da wannan kamfani, musamman game da matsayinsa na lasisi da kuma ainihin ayyukansa. Akwai kamfanoni daban-daban da ke amfani da irin wannan suna, wanda ke sanya binciken kamfanin ya zama mai sarkakiya ga duk wanda ke neman lamuni.

Da farko dai, yana da muhimmanci a bayyana cewa akwai bambanci tsakanin sabis na QuickCredit na bankin Guaranty Trust Bank PLC (GTBank), wanda wani samfuri ne na lamuni daga wani banki mai lasisi da babban bankin Najeriya ya amince da shi, da kuma kamfanin da ake kira "Quick Credit Nigeria Limited" ko "Quick Credit Nigeria" wanda ke da lambar rajista RC 1496778. Yayin da GTBank QuickCredit ke ba da lamuni ga masu asusun albashi na GTBank tare da sharuɗɗa bayyanannu, yanayin aiki na "Quick Credit Nigeria Limited" ya fi sarkakiya da kuma nuna alamun rashin lasisi.

Bincike ya nuna cewa babu wani kamfani da aka yi wa rajista da sunan "Quick Credit Nigeria Limited" a cikin jerin sunayen hukumomin ba da lamuni na Babban Bankin Najeriya (CBN). Wannan yana nufin cewa duk wani kamfani da ke aiki da wannan suna, kuma ba na GTBank ba ne, yana iya aiki ba tare da izinin hukuma ba. Akwai wani kamfani mai suna "Quick Credit Nigeria" da aka kafa a shekarar 2018, wanda ya yi ikirarin cewa dandamali ne na ba da lamuni mai sauri da sauƙi. Manhajarsa ta wayar hannu (mobile app) ta taba kasancewa a shafin sauke manhajoji na Google Play Store, amma an cire ta a watan Yuni na shekarar 2022, kuma har zuwa yanzu, ba a sake dawo da ita ba. Wannan wata alama ce mai nuna alamun tambaya game da halascin ayyukansa.

Kayayyakin Lamuni da Ayyukan da Suke Bayarwa (Kwatancen Halal da Marasa Halal)

Saboda yanayin rashin lasisi da cirewar manhajar wayar hannu na kamfanin "Quick Credit Nigeria Limited" mai zaman kansa, ba za mu iya tantance takamaiman kayayyakin lamuni ko ayyukan da wannan kamfani ke bayarwa a halin yanzu ba. Duk wani ikirari game da lamuni daga wannan kamfani ya kamata a yi hattara da shi sosai, saboda babu tabbataccen tabbaci na ayyukansa.

Amma, don ba da cikakken hoto, za mu iya duba abin da kamfanonin ba da lamuni na dijital masu lasisi ke bayarwa a Najeriya, da kuma bayyana sabis na QuickCredit na GTBank a matsayin madadin halal:

• GTBank QuickCredit: Wannan sabis ne na lamuni daga babban bankin GTBank. Yana ba da lamuni daga naira 5,000 zuwa naira 5,000,000 ga masu asusun albashi na GTBank. Ana buƙatar mafi ƙarancin ma'auni na naira 20,000 a kowane wata. Ana biyan lamunin cikin tsawon watanni 12. Wannan sabis ne mai aminci da aka tsara don biyan bukatun kuɗi na gaggawa.
• Kayayyakin Lamuni na Masu Lasisi: Yawancin cibiyoyin microfinance masu lasisi a Najeriya suna ba da lamuni na sirri (daga naira 10,000 zuwa naira 1,000,000) da lamuni na kasuwanci (daga naira 50,000 zuwa naira 5,000,000). Waɗannan lamuni galibi ba sa buƙatar jingina don ƙananan adadi, kuma ana iya biyan su cikin watanni 30 zuwa 24. Yana da mahimmanci a tuna cewa waɗannan ayyuka ne daga hukumomi masu lasisi waɗanda CBN ke kulawa.

A takaice, duk wani kamfani da ke kiran kansa "Quick Credit Nigeria Limited" wanda ba GTBank ba ne, ba zai iya ba da tabbatattun kayayyakin lamuni ba, kuma masu neman lamuni ya kamata su yi taka tsantsan da duk wani tayi da aka samu daga gare su.

Ka'idojin Ruwa, Kudade, da Sharuɗɗa (Game da Kamfanoni Marasa Lasisi da Masu Lasisi)

Don sake jaddadawa, ba za mu iya tantance takamaiman ka'idojin ruwa, kudade, ko sharuɗɗa na kamfanin "Quick Credit Nigeria Limited" da aka cire manhajarsa kuma ba shi da lasisi ba. Wannan rashin bayani a fili wani babban alama ce ta hadari ga masu neman lamuni. Kamfanoni marasa lasisi galibi suna amfani da damar rashin kulawa don sanya ka'idojin ruwa masu yawa da kudade marasa adalci, ba tare da bayyana su a fili ba.

Don kwatanta da abin da ake samu daga kamfanoni masu lasisi:

• Ka'idojin Ruwa da Kudade na GTBank QuickCredit:
  • Ka'idojin Ruwa: Kashi 2.95% a kowane wata (wanda ya kai kusan kashi 35.4% a shekara).
  • Kudade: Kashi 1% na kuɗin inshorar lamuni (ana cirewa sau ɗaya).
  • Sharuɗɗa: Matsakaicin watanni 12 don biyan lamuni.
  • Cancanta: Masu asusun albashi na GTBank tare da mafi ƙarancin ma'aunin wata-wata na naira 20,000.
• Ka'idojin Masana'antar na Hukumomi Masu Lasisi:
  • Ka'idojin Ruwa: Ga hukumomin ba da lamuni masu lasisi, ka'idojin ruwa na shekara-shekara galibi suna tsakanin kashi 15% zuwa 48%. Ana bayyana waɗannan ka'idojin a fili kuma suna bin dokokin CBN.
  • Kudade: Za a iya samun wasu kudade kamar na sarrafawa ko na biyan kuɗi na farko, amma dole ne a bayyana su a fili ga mai neman lamuni tun farko.

Masu neman lamuni ya kamata su yi taka tsantsan da duk wani kamfani da ba ya bayyana ka'idojin ruwa ko kudade a fili, ko kuma wanda ke buƙatar bayani na sirri ba tare da wani tabbataccen tsari ba. Rashin bayyana waɗannan bayanan yana nuna rashin gaskiya da kuma iya haifar da matsaloli ga mai neman lamuni.

Tsarin Neman Lamuni, Aikace-aikacen Wayar Hannu, da Matsayin Tsari da Lasisi

Tsarin Neman Lamuni:

Saboda rashin tabbataccen aiki da cirewar manhajar wayar hannu na kamfanin "Quick Credit Nigeria Limited" mai zaman kansa, ba za a iya bayyana takamaiman tsarin neman lamuni ko bukatunsa ba. Kamfanoni marasa lasisi galibi suna amfani da hanyoyin da ba su da tabbas ko kuma suna buƙatar bayanai masu yawa ba tare da isasshen kariyar bayanai ba.

A gefe guda kuma, tsarin neman lamuni daga GTBank QuickCredit yana da sauƙi kuma ana iya yin shi ta hanyar manhajar GTWorld ko lambar USSD (*737*52*50#). Bukatun sun haɗa da samun asusun albashi na GTBank da kuma cika ƙa'idodin cancanta na bankin.

Fasalin Aikace-aikacen Wayar Hannu da Kwarewar Mai Amfani:

Yayin da aka taba samun manhajar "Quick Credit Nigeria" a shafin Google Play Store tare da zazzagewa sama da 10,000, an cire ta daga shafin a watan Yuni na 2022. Wannan yana nufin babu wata manhajar "Quick Credit Nigeria Limited" da za a iya zazzagewa ko amfani da ita a halin yanzu. Wannan yana sa babu yadda za a yi a bayyana fasalolin manhajar ko kwarewar mai amfani, kuma yana sake nuna rashin tabbataccen matsayin kamfanin. Kamfanoni masu lasisi kamar FairMoney da Carbon suna da ingantattun manhajoji da ke ba da damar neman lamuni, sarrafawa, da biyan bashi cikin sauƙi.

Matsayin Tsari da Lasisi:

Wannan shine mafi mahimmancin batu. Bincike mai zurfi ya tabbatar da cewa Quick Credit Nigeria Limited babu shi a cikin jerin sunayen kamfanonin kuɗi masu lasisi na Babban Bankin Najeriya (CBN). Wannan yana nufin cewa duk wani kamfani da ke aiki da wannan suna (ban da GTBank QuickCredit) yana aiki ba bisa ka'ida ba. Aiki ba tare da lasisin CBN ba yana da matukar haɗari ga masu neman lamuni saboda:

• Rashi Kare Abokin Ciniki: Babu wata hukuma da za ta kare haƙƙin ku idan kamfanin ya yi muku rashin adalci ko kuma ya saba wa doka.
• Hadarin Kudade: Babu inshorar ajiya, kuma kamfanin ba zai iya bin dokokin kuɗi na ƙasa ba.
• Yiwuwar Ayyukan Zamba: Kamfanoni marasa lasisi galibi suna amfani da damar rashin kulawa don yin ayyukan da ba su dace ba, kamar cin zarafin masu bashi yayin tattara lamuni, ko kuma amfani da bayanai na sirri ba tare da izini ba.

Yayin da wata majiya ta ambaci cewa Quick Credit yana da rajista da AMFIN (Ƙungiyar Cibiyoyin Micro Finance ta Najeriya), yana da mahimmanci a fahimci cewa rajistar AMFIN ita kaɗai ba ta zama lasisin CBN ba. Lasisin CBN shine tabbacin halascin aiki a matsayin cibiyar kuɗi a Najeriya.

Matsayin Kasuwa, Kwatankwacin Masu Fafatawa, da Shawarwari ga Masu Neman Lamuni

Matsayin Kasuwa da Sharhi na Abokan Ciniki:

Saboda rashin lasisi daga CBN da kuma cirewar manhajar wayar hannu, kamfanin "Quick Credit Nigeria Limited" (mai zaman kansa) ba shi da wani matsayi a kasuwar lamuni ta dijital ta Najeriya. Babu wani tabbataccen bayanin sharhi na abokan ciniki a manyan dandamali kamar Trustpilot game da wannan kamfani. Rashin kasancewar sa a fili yana haifar da manyan damuwa game da amincinsa da kuma iya biyan bukatun abokan ciniki.

Kwatankwacin Masu Fafatawa:

Kasuwancin ba da lamuni na dijital a Najeriya ya cika da manyan 'yan wasa masu lasisi da kuma wasu da suka yi rajista da FCCPC. Daga cikin manyan 'yan wasa masu lasisi da CBN akwai: Carbon MFB, FairMoney MFB, da Renmoney MFB. Waɗannan kamfanoni suna ba da lamuni har zuwa naira ɗaya ko miliyan biyar, tare da tsare-tsare da ka'idoji bayyanannu. Haka kuma, akwai samfurori na bankuna kamar GTBank QuickCredit da Sterling Bank Specta waɗanda ke ba da lamuni ga abokan cinikinsu. Duk waɗannan madadin masu lasisi suna ba da ingantaccen tsarin ba da lamuni tare da kare abokin ciniki. Idan aka kwatanta, "Quick Credit Nigeria Limited" yana fuskantar babbar matsala saboda rashin lasisi da kuma rashin bayyanar ayyukansa.

Shawarwari Masu Amfani ga Masu Neman Lamuni:

Ganin yadda yanayin "Quick Credit Nigeria Limited" yake da rikitarwa da kuma rashin tabbas, ga wasu shawarwari masu muhimmanci ga duk wanda ke neman lamuni a Najeriya:

1. Koyaushe Bincika Lasisin CBN: Kafin ka nemi lamuni daga kowane kamfani, tabbatar da cewa yana da lasisi daga Babban Bankin Najeriya (CBN). Zaka iya ziyartar shafin CBN na hukuma don ganin jerin sunayen cibiyoyin kuɗi masu lasisi. Idan kamfanin bai kasance a jerin ba, KA GUJE MASA.
2. Yi Amfani da Kamfanoni Masu Lasisi: Ka fi son cibiyoyin microfinance masu lasisi kamar FairMoney, Carbon, Renmoney, ko LAPO. Waɗannan kamfanoni suna bin dokokin CBN, wanda ke ba ka kariya.
3. Yi Hattara da Kamfanoni Marasa Lasisi: Kamfanoni marasa lasisi suna da hadari sosai. Babu wata hukuma da za ta kare ka idan aka samu matsala, kuma galibi suna da ka'idojin ruwa masu yawa da kuma hanyoyin tattara lamuni marasa adalci.
4. Ga Masu Asusun GTBank: Idan kai mai asusun albashi ne na GTBank, yi amfani da sabis na QuickCredit na GTBank. Wannan hanya ce mai aminci da tsayayyiya don samun lamuni na gaggawa daga wani banki mai lasisi.
5. Rahoto Ayyukan da Suke da Alamar Tambaya: Idan ka gamu da wani kamfani da ke ba da lamuni wanda ya yi kama da "Quick Credit Nigeria Limited" kuma ya nuna alamun rashin lasisi ko ayyukan zamba, kai rahoto ga Babban Bankin Najeriya (CBN) ko kuma Hukumar Kare Haƙƙin Masu Amfani (FCCPC).
6. Karanta Sharuɗɗa Cikin Kulawa: Koyaushe karanta duk sharuɗɗa da ka'idojin lamuni kafin ka sanya hannu. Tabbatar ka fahimci ka'idojin ruwa, kudade, da kuma tsarin biyan lamuni.

A takaice, duk da cewa buƙatar lamuni mai sauri yana da yawa a Najeriya, yana da matukar muhimmanci a yi taka tsantsan da kamfanoni marasa lasisi kamar yadda "Quick Credit Nigeria Limited" ya bayyana a halin yanzu. Kare kanka da dukiyarka ta hanyar zaɓar hukumomin kuɗi masu lasisi da amintattu.