Renmoney Microfinance Bank Limited

Gabatarwa da Tarihin Renmoney a Najeriya

Renmoney Microfinance Bank Limited, wacce ke da tushe a Legas, Najeriya, wata fitacciyar cibiyar bayar da lamuni ce ta dijital da aka kafa a shekarar 2012. Shugaban kasuwa Stephen Jennings, wanda ya kafa ta, ya yi hangen nesa na samar da saukin samun ayyukan kudi ga al'ummar Najeriya. Da farko an san ta da "Rencredit," an canza mata suna zuwa "Renmoney" a watan Disambar 2013, kuma tun lokacin ta ci gaba da bunkasa, tana aiki a karkashin lasisin Bankin Microfinance (MFB) daga Babban Bankin Najeriya (CBN). Haka kuma, Kamfanin Inshora na Ajayya na Najeriya (NDIC) yana inshorar ajiyarta, wanda ke baiwa abokan ciniki tabbacin tsaron ajiyarsu.

Renmoney tana da cibiyar gudanarwa a 23 Awolowo Road, Ikoyi, Legas. A karkashin jagorancin babban jami'in gudanarwa Kamal Boushi da Funsho Akinwumi a matsayin mataimakin shugaban zartarwa, bankin ya bunkasa sosai, yana daukar ma'aikata sama da 1,000. Tsarin kasuwancinta na "fintech mai jagorancin bashi" yana mai da hankali kan jawo abokan ciniki ta hanyar lamuni kafin ya ba su wasu ayyukan banki. Wannan tsarin ya sanya Renmoney a matsayin cibiyar kudi ta dijital gaba daya, mai tushe a gajimare, wanda ke ba da damar samun ayyukan kudi ga mutane da kananan kasuwanni a Najeriya.

Babban abokan cinikinta sun hada da mutane masu shekaru tsakanin 18 zuwa 59 tare da ingantattun hanyoyin samun kudi, da kuma kananan da matsakaitan masana'antu (SMEs). Bankin yana mai da hankali kan mutane masu aiki da masu ciniki da kansu a yankunan birane inda yake aiki, yana samar musu da mafita ta kudi wanda ke taimaka musu wajen cika bukatunsu na kudi daban-daban.

Kayayyakin Bashi da Ayyukan Kudi na Renmoney

Renmoney tana ba da fadi da kayayyakin kudi, daga lamuni zuwa ajiyoyi, duk an tsara su don biyan bukatun al'ummar Najeriya.

Kayayyakin Lamuni

• Lamuni na Mutum: Wannan lamunin an tsara shi ne don biyan bukatun mutane na yau da kullum.
  • Adadin Lamuni: Daga Naira 100,000 zuwa Naira 20,000,000.
  • Lokacin Biya: Daga watanni 3 zuwa watanni 24.
  • Kudin Ruwa na Wata-Wata: Daga kashi 2.12% zuwa kashi 2.65%.
  • Jimillar Kudin Ruwa na Shekara (APR): Daga kashi 25.44% zuwa kashi 35.76%.
  • Kudin Gudanarwa: Kashi 1% na adadin lamunin (mafi karancin Naira 1,000).
• Lamuni ga Masu Ciniki da Kansu / Lamunin Kasuwanci: Don masu kasuwanci masu neman jari.
  • Adadin Lamuni: Daga Naira 100,000 zuwa Naira 5,000,000.
  • Lokacin Biya: Daga watanni 3 zuwa watanni 9.
  • Kudin Ruwa na Wata-Wata: Kashi 8.12%.
  • Kudin Gudanarwa: Kashi 1% na adadin lamunin (mafi karancin Naira 1,000).
• Lamunin Kananan da Matsakaitan Masana'antu (SME): Don kasuwanni masu neman bunkasa.
  • Adadin Lamuni: Mafi karancin Naira 5,000,000.
  • Lokacin Biya: Daga watanni 3 zuwa watanni 6.
  • Kudin Ruwa na Wata-Wata: Kashi 3.12%.

Duk lamuni na Renmoney ba sa bukatan jingina ko mai bada shaida, kuma babu boyayyun kudade. Tsarin aikace-aikacen gaba daya ba ya bukatan takarda, kuma ana iya samun karin kudin ruwa mai kyau ga abokan ciniki masu biya a kan lokaci. Ana gaggauta bayar da lamuni, inda kudi ke shiga asusun banki cikin mintuna bayan amincewa.

Kayayyakin Ajayya da Zuba Jari

• RenFlex Savings: Wannan asusu yana bayar da kudin ruwa har zuwa kashi 10% a kowace shekara. Abokan ciniki za su iya cire kudinsu ba tare da hukunci ba, kuma ana lissafa kudin ruwa kowace rana.
• Smart Goal (Target Savings): An tsara shi don taimakawa mutane su ajiye kudi don takamaiman manufofin sirri, tare da kudin ruwa har zuwa kashi 10% a kowace shekara.
• RenVault (Fixed Deposits): Wannan kayayyakin zuba jari yana bayar da kudin ruwa har zuwa kashi 28% a kowace shekara. Mafi karancin ajiya shine Naira 10,000, kuma mafi girman ajiya shine Naira 5,000,000. Ana samun zabin lokacin ajiyar daga wata 1 zuwa watanni 12.

Hanyar Aiwatar da Lamuni da Tsarin Fasaha

Tsarin aikace-aikacen lamuni na Renmoney an tsara shi don zama mai sauki da sauri ta hanyar fasahar dijital. Abokan ciniki za su iya fara neman lamuni ta hanyoyi daban-daban.

Hanyoyin Dijital da Wajajen Aiki

Abokan ciniki za su iya amfani da:

• Manhaja ta Hannu: Akwai a kan na'urorin iOS da Android.
• Yanar Gizo: Za a iya ziyartar shafin yanar gizon Renmoney don neman lamuni.
• Cibiyar Kira: Akwai lambar waya don tallafi da tambayoyi.

Duk da kasancewarta bankin dijital, Renmoney tana da ofisoshi a Legas kadai don wadanda suka fi son hulda kai tsaye. Wasu daga cikinsu sun hada da Babban Ofishin Ikoyi, Reshen Surulere, Reshen Ikeja, da sauransu.

Bukatun KYC da Tsarin Rijista

Don neman lamuni na mutum, ana bukatan wasu takardu don tabbatar da ainihi da cancantar mai nema:

• Bank Verification Number (BVN).
• Ingantacciyar katin shaidar gwamnati.
• Bayanan asusun banki na tsawon watanni shida.
• Bayanin biyan kudin wutar lantarki ko ruwa.
• Wasikar aiki (idan mai nema ma'aikacin kwangila ne).

Wadannan bukatun suna da mahimmanci don bin ka'idojin Babban Bankin Najeriya da kuma tabbatar da ingancin masu neman lamuni.

Tsarin Fasaha da Bayar da Lamuni

Renmoney tana aiki a matsayin cikakken dandamali na gajimare, wanda ke amfani da fasaha mai zurfi don sarrafa lamuni da tantance hadari. Bankin ya koma ga dandamalin banki na Mambu, wanda ya rage lokacin bayar da lamuni daga kwanaki zuwa mintuna. Wannan yana nufin cewa idan an amince da lamuni, ana tura kudin kai tsaye zuwa asusun bankin abokin ciniki cikin sauri, wani lokaci ma cikin mintuna.

Tsarin tantance hadarin lamuni na Renmoney yana amfani da tsarin kididdiga mai zurfi wanda ke kimanta hadarin bayar da lamuni ga kowane mai nema. Yana hada bayanan gargajiya da na zamani don kimanta hadarin, kuma yana amfani da tsarin kima mai inganci don kawar da tasirin waje. Wannan yana taimakawa bankin wajen yanke shawara mai kyau da kuma bayar da lamuni ga wadanda suka cancanta da kuma rage hadarin ta'annati.

Manhaja ta Hannu da Kwarewar Mai Amfani

Manhaja ta hannu ta Renmoney tana samuwa a Google Play Store (Android) da App Store (iOS) kuma tana ba da cikakken ayyuka. Wasu daga cikin manyan fasalullukan sun hada da:

• Aikace-aikacen lamuni mai sauri (tsari na minti 5).
• Gudanar da ajiyoyi da zuba jari.
• Biyan kudade (sama da masu samar da sabis 13).
• Siyan katin caji na waya.
• Gudanar da asusu da bin diddigin ayyuka.

Manhajar tana ba da damar samun lamuni nan take, sarrafa ajiyoyi, biyan kudade, da kuma tura kudi kyauta mara iyaka, wanda ke sa kwarewar mai amfani ta zama mai sauki da inganci.

Matsayin Kula da Ka'idoji, Matsayin Kasuwa da Sharhin Abokan Ciniki

Renmoney tana aiki a karkashin cikakken kulawa daga hukumomin Najeriya, wanda ke tabbatar da bin ka'idoji da tsaron abokan ciniki.

Kula da Ka'idoji da Lasisi

• Babban Bankin Najeriya (CBN): An ba Renmoney lasisi a matsayin Unit Microfinance Bank kuma tana karkashin tsarin ka'idojin CBN ga cibiyoyin microfinance. Tana bin ka'idojin KYC (Know Your Customer) sosai.
• Kamfanin Inshora na Ajayya na Najeriya (NDIC): Ajayyar abokan ciniki tana da inshora har zuwa adadin da aka kayyade, wanda ke ba da kariya ga masu ajiya. Bankin yana biyan kudin inshora na shekara-shekara.

A cewar Agusto & Co., Renmoney tana da darajar "SR 3" (iya aiki mai kyau) har zuwa Janairu 2024. Wannan darajar tana nuna ingantattun tsarin bankin, kwarewar gudanarwa, da kuma tsarin aiki na dijital, duk da cewa yanayin tattalin arzikin Najeriya da yawan lamuni marasa biya a bangaren microfinance na iya shafar ta.

Matsayin Kasuwa da Masu Gasa

Renmoney tana daya daga cikin manyan masu bayar da lamuni na dijital a Najeriya, tare da masu fafatawa kamar FairMoney da Carbon. Ta kafa kanta a matsayin babbar cibiyar microfinance ta dijital a cikin gasar masana'antar fintech ta Najeriya.

Manyan Masu Gasa:

• FairMoney: Babban mai gasa a fannin bayar da lamuni na dijital.
• Carbon: Fitacciyar kamfanin fintech wanda ke ba da fadi da ayyukan kudi.
• Aella Credit: Mai bayar da lamuni nan take tare da irin wannan kasuwar.

Fa'idodin Gasar:

• Fahimtar kasuwar Najeriya na tsawon shekaru 12+.
• Cikakken tsarin dijital, ba tare da bukatan takarda ba.
• Babu bukatan jingina don lamuni.
• Ikon bayar da lamuni nan take.
• Ingantaccen tsarin fasaha tare da hadewar Mambu.

Renmoney tana banbanta kanta ta hanyar mai da hankali kan abokan ciniki da bayyana farashi, da kuma samar da cikakken tsarin kudi fiye da lamuni kadai. Hakanan tana da sanannen suna a kasuwar Legas.

Sharhin Abokan Ciniki da Halin Kasuwa

Duk da karfinta na fasaha da matsayinta a kasuwa, Renmoney tana fuskantar kalubale game da hidimar abokan ciniki. A Trustpilot, tana da darajar 1.5/5 taurari daga sharhi 71, wanda ke nuna matsaloli masu yawa na hidimar abokan ciniki.

Manyan Korafe-Korafe na Abokan Ciniki:

• Yawan kudin ruwa da karuwa yayin lokacin lamuni.
• Rashin amsa daga hidimar abokan ciniki.
• Jinkirin sarrafa lamuni fiye da lokacin da aka yi talla.
• Wahalar samun tallafin abokan ciniki.
• Matsalolin samun damar shiga asusu.

Sharhi Masu Kyau:

• Gaggawar bayar da lamuni idan tsarin ya gudana daidai.
• Babu bukatan jingina yana da matukar yabo.
• Kudin ruwa na ajiya masu kyau.

Wannan yana nuna cewa yayin da fasahar Renmoney ke da karfi, akwai bukatar inganta hidimar abokan ciniki don gina amincewa da gamsuwa a tsakanin masu amfani.

Shawara ga Masu Son Cin Bashi da Kallo ga Gaba

Ga duk wanda ke tunanin neman lamuni daga Renmoney, akwai wasu abubuwa masu mahimmanci da ya kamata a sani da la'akari da su.

Shawara ga Masu Son Cin Bashi

1. Fahimtar Kudin Ruwa da Kudade: Kafin neman lamuni, tabbatar kun fahimci cikakken kudin ruwa na wata-wata da na shekara (APR), da kuma duk wani kudin gudanarwa. Renmoney tana bayyana dukkan ka'idoji kafin a yi alkawari, amma yana da kyau a sake nazari sosai.
2. Tabbatar da Ikon Biya: Kada ku nemi lamuni fiye da yadda kuka san za ku iya biya. Yi la'akari da samun kudin shiga na yau da kullum da sauran kashe-kashe kafin yanke shawarar adadin lamunin da lokacin biya.
3. Yi Amfani da Manhajar Hannu: Manhajar Renmoney tana bayar da sauki da sauri wajen neman lamuni da sarrafa asusu. Yi amfani da ita don bin diddigin lamunin ku da sauran ayyuka.
4. Ka Tuna da Sharhin Abokan Ciniki: Yayin da saurin bayar da lamuni ya zama abin yabo, ka tuna da korafe-korafe game da hidimar abokan ciniki da yuwuwar matsala wajen samun tallafi. Yi shiri don yiwuwar jinkiri ko kalubale idan bukatar tallafi ta taso.
5. Kwatanta da Masu Gasa: Kafin yanke shawara, yana da kyau a kwatanta Renmoney da sauran masu bayar da lamuni na dijital a Najeriya kamar FairMoney da Carbon. Duba kudin ruwa, ka'idojin biya, da sharhin abokan ciniki na kowace cibiyar.
6. Yi Amfani da Ajayya da Zuba Jari: Idan kuna neman hanyoyin ajiya, Renmoney tana bayar da kudin ruwa masu kyau a kan RenFlex da RenVault. Wannan na iya zama wata hanya mai kyau don gina dukiya yayin da kuke hulda da bankin.

Kallo ga Gaba da Damar Kasuwa

Renmoney tana da tsare-tsare na fadadawa fiye da jihar Legas da kuma fadada kayayyakin bankinta. Tare da yawan al'ummar Najeriya matasa (sama da miliyan 200) da kuma saurin amfani da fasahar dijital, Renmoney tana cikin matsayi mai kyau don amfana daga ci gaba da inganta samun kudade a tsakanin al'umma. Dandamalin fasahar bankin da matsayinsa a kasuwa suna ba shi fa'idodi yayin da kasuwar bayar da lamuni na dijital ke ci gaba da fadadawa.

A dunkule, Renmoney tana wakiltar babban dan wasa a fannin ayyukan kudi na dijital a Najeriya, tana hada kwarewar jagoranci, ingantaccen tsarin fasaha, da kuma cikakken kayayyakin kudi. Duk da fuskantar kalubale na hidimar abokan ciniki da ke da alaqa da saurin bunkasar kamfanonin fintech, karfin matsayin bankin a kasuwa da ingancin kudi suna nuna ci gaba da muhimmancinsa a cikin masana'antar kudi ta Najeriya mai tasowa.