Sharp Credit Limited

Gabatarwa da Tarihin Kamfanin Sharp Credit Limited a Najeriya

Kamfanin Sharp Credit Limited wani shahararren mai bayar da rance ne ta hanyar dijital a kasar Najeriya. Yana aiki ne ta hanyoyi biyu masu mahimmanci: asalin kamfanin Sharp Credit Limited, wanda aka yi masa rijista da Hukumar Kula da Gasar Kasuwanci da Kare Hakkin Masu Saye ta Tarayya (FCCPC) a matsayin mai ba da rance na dijital mai lamba 206, da kuma NEWRGY LENDING LIMITED, wanda ke gudanar da manhajar wayar salula ta 'Sharp Collect'. Wannan tsarin yana nuna hadaddiyar tsararrakin kamfani da ke da niyyar cimma abokan ciniki daban-daban a fadin kasar.

Hedkwatar NEWRGY LENDING LIMITED tana a Suite C15, Halima Plaza, Balanga Street, Area 11, Garki, FCT Abuja. An yi mata rijista a Najeriya karkashin RC-1773539. Bugu da kari, NEWRGY LENDING LIMITED tana rike da takardar izinin bayar da rance (Money Lender's Certificate) wacce Babban Kotun Majistare na Babban Birnin Tarayya, Abuja, ta bayar karkashin Sashi na 7(2) na Dokar Masu Bayar da Rance (Money Lender Act [Cap. 525, 1990]). Wannan takarda ta fara aiki ne daga ranar 20 ga Fabrairu, 2024, har zuwa 31 ga Disamba, 2024, wanda ke nuna sahihancin ayyukansu.

Maganar babban kamfanin shine samar da sabis na kudi wanda ke mai da hankali kan abokan ciniki, musamman ta hanyar dijital. Abokan ciniki da Sharp Credit/NEWRGY LENDING ke son kai wa hidima sun hada da mutane masu bukatar kudi na gaggawa, ma'aikatan gwamnati masu tabbacin albashi (musamman ta hanyar hadewa da tsarin biyan albashi na Remita), da kuma kananan 'yan kasuwa masu bukatar kudaden gudanar da kasuwanci. Yana da mahimmanci a lura cewa akwai rudani a kasuwa game da dangantakar Sharp Credit Limited da Credit Direct Limited; bincikenmu ya tabbatar da cewa kamfanoni biyu ne daban-daban. Sharp Credit Limited ba ta da alaka da FCMB Group ko kuma samfurin 'Sharp Sharp' na Credit Direct Limited.

Kayayyakin Rance da Kudade: Sharp Collect da Sauran Hidimomi

Kamfanin Sharp Credit/NEWRGY LENDING yana bayar da kayayyakin rance daban-daban don biyan bukatun abokan ciniki. Manyan kayayyakin sun hada da:

• Manhajar Sharp Collect: Wannan shine babban dandalin su na dijital wanda ke bayar da rance na sirri nan take. Ana samun rance daga ₦3,000 zuwa ₦1,000,000. Matsakaicin kudin ruwa na shekara-shekara shine kashi 36% (36%). Lokacin biyan rance yana farawa daga kwanaki 91 zuwa kwanaki 360.
• Sharp Credit na Gargajiya: Wannan sabis na rance ne ta hanyar yanar gizo wanda aka tsara musamman ga ma'aikatan gwamnati ta tarayya da na jihohi masu biyan albashinsu ta Remita. Adadin rance yana farawa daga ₦10,000 zuwa ₦300,000. Tsarin sarrafa aikace-aikacen yana da sauri da zarar an amince.
• Kayayyakin Zuba Jari: Baya ga bayar da rance, kamfanin yana baiwa abokan ciniki damar zuba jari a cikin rance, inda za su iya samun ribar har zuwa kashi 30% a kowace shekara. Mafi karancin adadin zuba jari shine ₦25,000.

Kudin Ruwa da Tsarin Kudade

Don samar da cikakken bayani, ga misalin yadda Sharp Collect ke lissafin kudin ruwa da kudade:

• A dauka an ci rance na ₦15,000 tare da tsawon lokacin biya na kwanaki 360, da kudin ruwa na 25% na shekara-shekara.
• Kudin ruwa na tsawon lokacin zai zama kusan 1.34%, wanda daidai yake da ₦201.
• Kudin sabis (service fee) zai zama kusan 23.66%, wanda daidai yake da ₦3,549.
• Adadin kudin da za a karba bayan an cire kudade shine ₦11,250.
• Jimlar kudin da za a biya bayan karewar lokaci shine ₦15,000.

Yana da mahimmanci a lura cewa yayin da matsakaicin kudin ruwa na shekara-shekara (APR) ke da kashi 36%, kudin sabis na iya sa adadin da aka cire ya zama mai girma. Don dandalin Sharp Credit na gargajiya, ba a bayyana takamaiman kudin ruwa ga jama'a ba, amma ana amfani da cirewar albashi ta atomatik don biyan rance.

Duk dandamali suna aiki ne akan tsarin bayar da rance ba tare da jingina ba (unsecured lending). Wato, babu bukatar jingina ko mai lamuni ga Sharp Collect. BVN (Bank Verification Number) da kuma tabbatar da tushen samun kudin shiga sune manyan kayan aikin tantance haɗari da kamfanin ke amfani da su.

Tsarin Neman Rance, Manhajar Wayar Salula da Bin Dokoki

Tsarin neman rance daga Sharp Credit Limited an tsara shi don zama mai sauki da sauri, musamman ta hanyar dijital.

Tsarin Neman Rance

• Manhajar Wayar Salula ta Sharp Collect:
  • Zazzage manhajar daga Google Play Store (tana da sama da sauye-sauye 1,000).
  • Yi rijista ta amfani da lambar wayar salula (zai fi dacewa mai alaƙa da BVN).
  • Cika fom na bayanan sirri.
  • A jira tsarin bita ta atomatik.
  • A karbi amincewa nan take da kuma biyan kudin rance.
• Sharp Credit na Gargajiya:
  • Neman rance ta USSD: *347780*50#
  • Neman rance ta yanar gizo a sharpcreditng.com.
  • Babu buƙatar takardu.

Bukatun cancanta da tantancewa (KYC)

Don cancantar rance, dole ne mai nema ya cika waɗannan buƙatu:

• Zama mazaunin Najeriya mai shekaru 18-60.
• Samun ingantaccen BVN.
• Samun tushen samun kudin shiga mai dorewa.
• Ga ma'aikatan gwamnati, dole ne su kasance a rijistar biyan albashi ta Remita.

Kamfanin yana amfani da tsarin tantance cancantar rance ta hanyar fasahar hankali na wucin gadi (AI) don tabbatar da amincewa cikin sauri da inganci. Haka kuma, suna amfani da tsarin ɓoye bayanai (SSL encryption) don kare bayanan abokan ciniki.

Matsayin Dokoki da Lasisi

Sharp Credit Limited yana da cikakken rijista da Hukumar Kula da Gasar Kasuwanci da Kare Hakkin Masu Saye ta Tarayya (FCCPC) a matsayin mai bayar da rance na dijital mai lamba 206. Haka kuma, NEWRGY LENDING LIMITED tana riƙe da ingantacciyar takardar izinin bayar da rance daga Kotun Majistare na FCT, wacce ke aiki daga 20 ga Fabrairu, 2024, har zuwa 31 ga Disamba, 2024. Wannan yana nuna cewa kamfanin yana bin ka'idojin da aka shimfida don masu bayar da rance a Najeriya, musamman karkashin Dokokin Kula da Rance na Dijital na 2022. Duk da haka, tsarin kamfanin mai sassa biyu na iya haifar da wasu rudani a fannin bin dokoki, kuma yana iya buƙatar ƙarin bayani don cikakken nuna gaskiya.

Matsayin Kasuwa, Gasar Kasuwanci da Sharhin Abokan Ciniki

Sharp Credit Limited yana aiki ne a cikin kasuwar rance ta dijital ta Najeriya mai tsananin gasa. Manyan kamfanoni masu gasa sun haɗa da Credit Direct Limited (wanda CBN ta ba lasisi), FairMoney (Bankin Microfinance da CBN ta ba lasisi), Carbon (tsohon Paylater), Branch International, da PalmCredit. Duk da wannan gasa, Sharp Credit yana kokarin samun matsayi na musamman a kasuwa.

Bambance-bambancen Kamfanin

Matsayin Sharp Credit na musamman yana fitowa daga waɗannan dalilai:

• Tsarin Kamfani Mai Sassa Biyu: Wannan yana ba shi damar kai wa kasuwa daban-daban.
• Kwarewa kan Ma'aikatan Gwamnati: Hadewa da tsarin Remita yana ba shi damar yiwa ma'aikatan gwamnati hidima cikin sauki a fadin kasar.
• Damar Zuba Jari: Yana ba da damar zuba jari ga abokan ciniki da ke son samun riba mai yawa (har zuwa 30% na shekara-shekara).
• Babu Bukatar Jingina: Duk kayayyakin rance ba sa bukatar jingina, wanda ke sa su zama masu sauki ga masu bukata.

Dangane da rahotannin NEWRGY LENDING LIMITED, kamfanin yana da shekaru 4 na kwarewa a hidimomin rance, yana da abokan ciniki masu farin ciki 1,790, da kuma ayyukan da aka kammala 491. Waɗannan alkaluma suna nuna wani mataki na ci gaba da karbuwa, duk da cewa ba su kai na manyan kamfanoni masu lasisin CBN ba.

Kwarewar Abokan Ciniki da Sharhi

Manhajar Sharp Collect App tana samuwa a Google Play Store, kuma tana da sama da sauye-sauye 1,000. Ba a bayyana takamaiman kimanta taurari ba a cikin bayanan da aka samo, amma an kimanta ta a matsayin mai dacewa ga kowa. An yi sabuntawa na karshe a ranar 15 ga Agusta, 2025 (wannan na iya zama kuskure a cikin tushen bayanai, amma za a ambace shi yadda yake).

Abokan ciniki za su iya samun tallafi ta hanyar email ([email protected], [email protected]) ko ta waya (0903-7978-735), da kuma tallafi ta yanar gizo a manhajar da kuma shafin yanar gizo. Amfanin manhajar Sharp Collect sun haɗa da amincewa nan take, damar gina tarihin rance mai kyau ta hanyar biya a kan lokaci, tsarin kudade mai nuna gaskiya, shirye-shiryen biyan rance masu sassauƙa, da kuma ɓoye bayanan sirri don kare abokan ciniki.

Shawara Mai Amfani Ga Masu Neman Rance da Zuba Jari

A matsayin kwararren mai bincike kan harkokin kudi, ga wasu shawarwari masu amfani ga duk wanda ke tunanin cin rance daga Sharp Credit Limited, ko kuma zuba jari a cikinsa.

Ga Masu Neman Rance

Kamfanin Sharp Credit Limited, ta hanyar NEWRGY LENDING LIMITED, yana da rijista da FCCPC da kuma lasisin bayar da rance daga kotun Majistare. Wannan yana nufin kamfani ne mai bin doka kuma za a iya amince da shi har zuwa wani mataki.

• Dubi Sharuddan Biyan Kudade: Kafin ka ci rance, tabbatar ka karanta kuma ka fahimci dukkan sharuddan da kuma yanayin rance. Musamman, kula da yadda ake lissafin kudin ruwa da kuma kudin sabis. Misalin rance na ₦15,000 ya nuna cewa kudin sabis na iya zama mai girma, wanda ke rage adadin kudin da za ka samu a farko.
• Kwatanta da Sauran Kamfanoni: Yana da kyau a kwatanta Sharp Credit da sauran kamfanoni masu bayar da rance na dijital a Najeriya. Wasu kamfanoni na iya bayar da sharudda masu kyau ko kuma kudin ruwa mai sauki, dangane da tarihin rancen ka.
• Biya a Kan Lokaci: Idan ka ci rance, tabbatar ka biya shi a kan lokaci don gina tarihin rance mai kyau. Wannan zai taimaka maka samun damar samun manyan rance a nan gaba.
• Kada Ka Ci Rance Fiye da Karfin Ka: Ka tabbatar cewa adadin rancen da ka ci zai yi daidai da karfin ka na biya. Cin rance fiye da karfi yana iya haifar da matsalolin kudi.

Ga Masu Zuba Jari

Kamfanin yana bayar da damar zuba jari da alkawarin ribar har kashi 30% a kowace shekara. Wannan adadi ne mai yawa, wanda ke nuna cewa akwai hadari mai yawa a ciki. Duk da cewa kamfanin yana da lasisi, zuba jari a cikin rance ba tare da jingina ba yana da nasa hadarin. Don haka:

• Bincike Sosai: Kafin ka zuba jari, yi bincike mai zurfi. Ka nemi karin bayani game da yadda kamfanin ke sarrafa hadarin rance da kuma tarihin sa na biyan masu zuba jari.
• Fahimtar Hadari: Fahimci cewa kashi 30% na riba yana zuwa tare da hadari mai girma. Akwai yiwuwar rashin dawo da kudin zuba jari idan masu cin rance ba su biya ba.
• Fara da Karamin Adadi: Idan ka yanke shawarar zuba jari, yana da kyau ka fara da karamin adadi da za ka iya hakura da shi idan abubuwa sun tafi ba daidai ba.

A takaice, Sharp Credit Limited wani kamfani ne mai bayar da rance na dijital mai bin doka a Najeriya, amma kamar kowane sabis na kudi, yana da mahimmanci ga masu amfani su fahimci dukkan sharuddan da kuma su yi amfani da hikima kafin yanke shawara ta kudi.