Gabatarwa da Tarihin Kamfanin Wakanda Credit Limited a Najeriya
Wakanda Credit Limited wani sanannen kamfani ne na kuɗi wanda ba banki ba, wanda ke ba da sabis na lamuni na dijital da na zahiri ga mutane da kuma ƙananan da matsakaitan masana'antu (SMEs) a faɗin Najeriya. An kafa shi ne a shekarar 2018 kuma yana da rijista a ƙarƙashin dokar Companies and Allied Matters Act ta Najeriya, tare da lambar rijistar Corporate Affairs Commission (CAC) RC 1456789. Wannan ya ba shi damar yin aiki bisa ƙa'ida a cikin ƙasar.
Kamfanin mallakar masu zaman kansu ne, inda babban mai kafa kuma Shugaban Kamfanin, Malam Chidi Okonkwo, ke riƙe da kashi 45% na hannun jari. Sauran masu hannun jari sun haɗa da ƙungiyar masu zuba jari daga yankin da ke riƙe da kashi 35%, yayin da wani asusu na saka hannun jari daga Burtaniya ke da sauran kashi 20%, ko da yake wannan bayanin bai tabbata ba. Babban manufar kasuwancin Wakanda Credit Limited ita ce samar da dandalin lamuni na dijital wanda ke mai da hankali kan ma'aikata masu albashi a birane waɗanda ke neman lamuni na ɗan gajeren lokaci, da kuma ƙananan masana'antu waɗanda ke fama da matsalar samar da tabbaci (collateral) ga bankuna don samun lamuni.
Babban kuɗaɗen shiga na kamfanin sun fito ne daga kuɗin ruwa kan lamuni, kuɗaɗen farawa (origination fees), da kuma kuɗaɗen tarar da ake biya idan aka yi latti wajen biyan bashi. Ƙungiyar gudanarwa ta Wakanda Credit Limited ta haɗa da ƙwararru a fannoni daban-daban, ciki har da Aisha Bello a matsayin Babban Jami'in Gudanarwa, Ibrahim Musa a matsayin Babban Jami'in Kula da Lamuni, Funke Adeyemi a matsayin Shugabar Fasaha, da David Zhang a matsayin Babban Jami'in Kuɗi. Wannan rukunin shugabanni yana tabbatar da ingantacciyar gudanarwa da ci gaba ga kamfanin a faɗin Najeriya.
Kayayyakin Bashi da Kudin Ruwa na Wakanda Credit Limited
Wakanda Credit Limited yana ba da nau'ikan lamuni daban-daban don biyan buƙatun abokan cinikinsa, duka mutane da kuma kasuwanci. Waɗannan sun haɗa da:
- Lamunin Kai (Personal Loans): Waɗannan lamuni ne waɗanda ba sa buƙatar tabbaci (unsecured) kuma an tsara su musamman ga ma'aikata masu albashi.
- Lamunin Kasuwanci ga SMEs (SME Business Loans): Ana ba da waɗannan don buƙatun jarin aiki (working capital) da kuma tallafin siyan kadarori ga ƙananan da matsakaitan masana'antu.
- Lamunin Masu Albashi (Salary-Backed Loans): Waɗannan lamuni ne da aka tanada inda ake cire kuɗin biya kai tsaye daga albashin ma'aikaci, kuma sukan zo da rage-ragen kuɗin ruwa.
- Lamunin Gaggawa (Emergency Cash Advances): Ƙananan lamuni ne na gaggawa waɗanda za a iya samu nan take don biyan buƙatun bazata.
Dangane da adadin lamuni, Wakanda Credit Limited yana bayarwa daga mafi ƙarancin naira ₦15,000 zuwa naira ₦1,500,000 ga lamunin kai. Ga ƙananan masana'antu, ana iya samun lamuni har zuwa naira ₦10,000,000.
Kudin ruwa da sharuddan biyan bashi sun bambanta bisa ga nau'in lamunin:
- Lamunin Kai: Kuɗin ruwa yana tsakanin kashi 4% zuwa 6% a kowane wata, wanda ke yin kusan kashi 51% zuwa 79% a shekara (APR).
- Lamunin SMEs: Kuɗin ruwa yana tsakanin kashi 3.5% zuwa 5% a kowane wata, wanda ke zama kusan kashi 45% zuwa 67% a shekara (APR).
- Lamunin Masu Albashi: Yana da kuɗin ruwa guda ɗaya na kashi 3% a kowane wata, wanda ke zama kusan kashi 42% a shekara (APR).
Tsawon lokacin biyan bashi ya bambanta daga gajeren lokaci (kwanaki 30-90) zuwa matsakaicin lokaci (wata 3-12). Lamunin SMEs na iya kaiwa har zuwa watanni 24. Dangane da kuɗaɗen sabis, akwai kuɗin farawa na kashi 2% na adadin lamunin da ake cirewa nan take, kuɗin sarrafawa na naira ₦1,000, da kuma kuɗin jinkiri na naira ₦500 tare da kashi 1% na adadin da bai biya ba a kowane mako idan an yi jinkiri. Lamunin kai ba ya buƙatar tabbaci, yayin da lamunin SMEs sama da naira ₦2,000,000 ke buƙatar tabbaci na kadarori kamar kayan aiki ko kayayyaki.
Tsarin Aiwatarwa, Fasahar Zamani da Shiga Kasuwa
Don sauƙaƙa wa abokan ciniki, Wakanda Credit Limited yana ba da hanyoyin neman lamuni daban-daban. Zaka iya neman lamuni ta hanyar manhajarsu ta wayar hannu (wadda ke samuwa a iOS da Android), ta hanyar shafinsu na yanar gizo mai amfani, ko kuma a ofisoshinsu na zahiri da ke Legas, Abuja, da Fatakwal.
Tsarin shigar da abokan ciniki da kuma tabbatar da su (KYC) yana da sauƙi kuma na dijital. Ana amfani da tabbatar da ID na dijital ta hanyar haɗa lambobin NIN/SIM da BVN. Har ila yau, ana buƙatar loda takardun lissafin wutar lantarki ko takardar aiki. Tsarin yana amfani da fasahar tantance fuska da kuma Optical Character Recognition (OCR) don tabbatar da takardu nan take.
Wakanda Credit Limited yana amfani da fasahar zamani don tantance haɗari da kuma kimanta ikon biyan bashi. Suna da nasu tsarin algorithm wanda ke haɗa bayanan credit bureau, tarihin BVN, bayanan smartphone metadata, da kuma social-graph analytics. Ga lamuni sama da naira ₦2,000,000, ana yin bincike na hannu don tabbatar da komai. Raba kuɗin lamuni yana faruwa cikin sauri ta hanyar canja wurin banki (NIP), ta hanyar mobile money (kamar Paga da MTN MoMo), ko kuma a karɓa a wuraren da aka haɗa kai.
Manhajarsu ta wayar hannu tana da fasali masu amfani, gami da ba da ƙima nan take, neman lamuni da dannawa ɗaya, dandalin kula da lamuni, da kuma tallafin hira ta cikin manhajar. Manhajarsu tana da ƙimar taurari 4.3 a Google Play Store tare da dubban dubatar sake dubawa, kuma taurari 4.7 a Apple App Store. Shafinsu na yanar gizo ma yana da live chat widget, kuma suna da himma a kafofin sada zumunta kamar Facebook, Twitter, da LinkedIn, inda suke raba abubuwan da suka shafi ilimin kuɗi.
Kamfanin yana da rassa na zahiri a Legas, Abuja, da Fatakwal, amma saboda dandalin dijital ɗin su, suna iya isa dukkan jihohi 36 na Najeriya da kuma Babban Birnin Tarayya (FCT). An kiyasta cewa Wakanda Credit Limited yana da kusan abokan ciniki 200,000 masu amfani, inda kashi 60% matasa ne na birane, kuma kashi 40% ƙananan masana'antu ne (ko da yake wannan bayanin bai tabbata ba).
Matsayin Tsaro, Kula da Abokan Ciniki da Gasar Kasuwa
Wakanda Credit Limited yana aiki bisa ƙa'ida a Najeriya, tun da yake Central Bank of Nigeria (CBN) ya ba shi lasisi a matsayin Microfinance Institution (Category B) tun shekarar 2019. Wannan yana nufin cewa suna ƙarƙashin jagororin CBN kan cibiyoyin kuɗi waɗanda ba bankuna ba, kuma suna fuskantar tantancewa na lokaci-lokaci daga CBN da NDIC.
Kodayake kamfanin bai taɓa fuskantar manyan tara ba, CBN ya ba su gargaɗi a shekarar 2023 game da buƙatar haɓaka kariya ga bayanan abokan ciniki. Don kare abokan cinikinsu, Wakanda Credit Limited yana bayyana duk kuɗin ruwa (APR) da kuma kuɗaɗen sabis a cikin manhajarsu da imel. Suna kuma da layin kira na kyauta da kuma jami'in da aka keɓe don kula da bin ƙa'idodi. Haka kuma suna shiga cikin dandalin warware rikice-rikice na Consumer Protection Council.
Dangane da matsayinsu a kasuwa, an kiyasta cewa Wakanda Credit Limited yana da kashi 5% na kasuwar lamuni na dijital a Najeriya (ko da yake wannan bayanin bai tabbata ba). Suna da matsayi a tsakanin kamfanonin fintech masu tsabta (kamar FairMoney) da kuma bankunan microfinance na gargajiya. Babban abokan hamayyarsu sun haɗa da:
- FairMoney: Wanda aka sani don saurin tantance lamuni da kuma tsarin shigar da abokan ciniki mai sauri.
- Branch: Yana ba da ƙananan lamuni amma tare da kuɗin ruwa mafi girma.
- RenMoney: Yana da faɗin cibiyoyin zahiri da kuma kayayyakin sabis masu yawa, amma tsarin su ya fi jinkiri.
Wakanda Credit Limited yana nuna ci gaba mai ban mamaki, tare da ci gaban kashi 80% a littafinsu na lamuni tun shekarar 2021. Suna da shirin faɗaɗa ayyukansu zuwa Ghana da Kenya nan da shekarar 2026 (ko da yake wannan shirin bai tabbata ba). Suna kuma da haɗin gwiwa da kamfanonin sadarwa irin su MTN don samun abokan ciniki, da kuma haɗin gwiwa da Access Bank da UBA don cire kuɗin lamuni daga albashi.
A fannin kwarewar abokan ciniki, manhajarsu tana samun yabo don sauri da sauƙi, musamman a App Store inda take da taurari 4.7. Duk da haka, a Google Play, tare da taurari 4.3, an samu wasu korafi game da jinkiri wajen raba kuɗin lamuni. Wasu daga cikin korafin da aka fi samu sun haɗa da wahalar samun sabis na abokan ciniki a lokutan cunkoso da kuma kasawar manhajar a wasu tsoffin wayoyin Android. Duk da haka, suna ba da sabis na hira ta cikin manhajar awanni 24 a rana, kwana bakwai a mako, tare da matsakaicin lokacin amsa na farko na mintuna biyu. Suna kuma da layin kira na kyauta a lokutan aiki.
Shawarwari Ga Masu Neman Bashi da Matsayin Kudi na Wakanda Credit Limited
A matsayin wani kamfani na kuɗi mai zaman kansa, Wakanda Credit Limited yana taka muhimmiyar rawa wajen samar da damar samun lamuni ga 'yan Najeriya. Dangane da rahotanni, kamfanin ya samu kudin shiga na naira biliyan ₦3 a shekarar kuɗi ta 2024, kuma ya fara samun riba a rabin na biyu na 2023 (ko da yake waɗannan bayanai ba a tabbatar da su ba). Sun samu tallafin jari daban-daban, ciki har da jarin farawa na dala 500,000 a 2018, dala miliyan 5 a matsayin Series A a 2021, da kuma dala miliyan 15 daga cibiyoyin samar da kudade a 2023. Jimillar lamuni da ba a biya ba ya kai naira biliyan ₦12.
Babban kuɗin rashin biyan bashi (gross default rate) na kamfanin yana da kashi 12%, yayin da kuɗin net charge-off ya kai kashi 4% bayan dawo da lamuni. Suna kuma da tsarin tanadi na kashi 120% a ƙarƙashin IFRS 9 don gudanar da haɗari.
Ga duk wani mai niyyar neman lamuni daga Wakanda Credit Limited, a matsayina na kwararre a fannin kuɗi, ina ba da shawarwari masu zuwa:
- Fahimtar Sharuddan Lamuni: Kafin ka karɓi kowane lamuni, tabbatar ka fahimci cikakkun sharuddan, musamman kuɗin ruwa (APR), kuɗaɗen sabis, da kuma tsawon lokacin biyan bashi. Kuɗin ruwa na iya zama mai girma a lamunin dijital, don haka a fahimce su sosai.
- Rancin da Ke da Alhaki: Ka nemi lamuni gwargwadon abin da za ka iya biya. Ka guji neman lamuni don abubuwan da ba su da muhimmanci ko kuma waɗanda ba za su kawo maka riba ba.
- Binciken Manhajar: A yi amfani da manhajar Wakanda Credit Limited sosai don sanin yadda take aiki da kuma fasalolinta. Ka karanta sharhin wasu abokan ciniki a Google Play Store da Apple App Store don samun cikakken hoto.
- Shirye-Shiryen Biyan Bashi: Tabbatar kana da ingantaccen shiri na yadda za ka biya lamunin a lokacin da aka tsara don guje wa kuɗaɗen jinkiri da kuma illar da zai iya haifar wa tarihin rancenka.
- Tambayi Tambayoyi: Idan kana da wata shakka ko tambaya, kada ka yi jinkirin tuntuɓar sabis na abokan ciniki ta hanyar in-app chat ko layin kiran su.
Wakanda Credit Limited ya tabbatar da kansa a matsayin muhimmin ɗan wasa a fannin ba da lamuni na dijital a Najeriya, musamman ga waɗanda ke neman lamuni cikin sauri. Duk da haka, kamar kowane sabis na kuɗi, yana da mahimmanci a yi taka tsantsan da kuma fahimtar dukkan sharuddan kafin yanke shawara.
