Cassava Fintech Burundi

Mu gihe ibijyanye n'imari bikomeje guhinduka, Cassava Fintech Burundi yihagazeho nk'umukinyi ukomeye mu gutanga serivisi z'imari zifashisha ikoranabuhanga mu Burundi. Iki kigo, gifitanye isano n'ikoranabuhanga rya telefoni zigendanwa, cyiyemeje gufasha abaturage b'u Burundi kugera ku mari mu buryo bworoshye kandi bwihuse. Iyi nyandiko yateguwe n'impuguke mu by'imari, irasesengura byimbitse serivisi za Cassava Fintech Burundi, ikibazo cy'inguzanyo, amafaranga y'inyungu, n'ibindi byose umuturage ushaka kugirana nayo ubucuruzi akwiye kumenya.

1. Imenyekanisha rya Cassava Fintech Burundi n'Amateka yayo

Cassava Fintech Burundi S.A. ni ikigo cyiyandikishije mu mategeko y'ubucuruzi y'u Burundi, kikaba ishami rya Cassava Technologies Limited ikorera i Londres. Yashinzwe mu mwaka wa 2018, nyuma yo gutandukana na serivisi za EcoCash za Econet Wireless Burundi. Ifitwe ijana ku ijana (100%) na Cassava Technologies, iyobowe na Strive Masiyiwa, ifatanya n'abashoramari bakomeye nka IFC na Finnfund.

Uburyo bw'Ubucuruzi n'Abakiriya Bashyigikiye

Cassava Fintech Burundi ikora ku rubuga rw'imari ruruta izindi rukoresha telefoni zigendanwa, EcoCash Burundi. Iki kigo cyibanda ku:

• Inguzanyo Ntoya z'Ikoranabuhanga (Digital Micro-Credit): Gutanga inguzanyo z'uduce duto cyane binyuze muri konti ya EcoCash.
• Kwishyurana hagati y'Abantu n'Abacuruzi (P2P & Merchant Payments): Kohereza amafaranga ako kanya hagati y'abantu n'abishyurira abacuruzi.
• Serivisi z'Amabanki z'Ikoranabuhanga (Digital Banking Services): Gufatanya n'amabanki (nka FinBank Burundi) mu gutanga serivisi z'ibanze zo kubitsa no kohereza amafaranga.

Abakiriya nyamukuru ba Cassava Fintech Burundi ni:

• Abadafite Konti muri Banki n'Abakoresha Serivisi z'Amabanki Ziciriritse: Abarimyi bato bo mu cyaro, abacuruzi batandukanye, n'abakora akazi gato.
• Urubyiruko rwo mu Mijyi Rufite Ikoranabuhanga: Abakoresha ikoranabuhanga bashaka inguzanyo zihuse n'uburyo bwo kwishyura butakoresha amafaranga mu ntoki.
• Abanyaburundi baba mu Mahanga: Abohereza amafaranga mu gihugu.

2. Serivisi z'Imari n'Inguzanyo Zitangwa

Nubwo Cassava Fintech Burundi itandukanya amakuru yuzuye y'ibicuruzwa byayo by'inguzanyo ku mugaragaro, amakuru ahari agaragaza ko itanga inguzanyo zikurikira. Birakwiye kumenya ko aya mafaranga n'inyungu byose ari amakuru ataremezwa neza, ashingiye ku bigaragara ku isoko, atari amakuru yatanzwe na Cassava Fintech Burundi ubwayo.

A. Inguzanyo z'Ubucuruzi Buciriritse

• Amafaranga y'Inguzanyo: Kuva BIF 20,000 kugeza BIF 500,000.
• Inyungu yo Kwishyura buri Kwezi: Hagati ya 1.5% na 2.5% (ni ukuvuga Inyungu y'Umwaka Wose hagati ya 18% na 30%).
• Igihe cyo Kwishyura: Iminsi 30 kugeza 90.
• Ingwate: Nta ngwate isabwa usibye konti ya mobile money.
• Amafaranga y'Akazi (Bitaremezwa): Amafaranga yo gufungura inguzanyo 2%; amafaranga y'ubukererwe 0.5% ku munsi.

B. Inguzanyo Ntoya bwite (Nano-Loan)

• Amafaranga y'Inguzanyo: Kuva BIF 10,000 kugeza BIF 100,000.
• Inyungu yo Kwishyura buri Kwezi: Hagati ya 2.0% na 3.0% (ni ukuvuga Inyungu y'Umwaka Wose hagati ya 24% na 36%).
• Igihe cyo Kwishyura: Iminsi 14 kugeza 30.
• Ingwate: Nta ngwate isabwa.
• Amafaranga y'Akazi (Bitaremezwa): Amafaranga yo gukora dosiye BIF 500.

C. Inguzanyo z'Ubuhinzi zishingiye ku Bwoko bw'Igihe

• Amafaranga y'Inguzanyo: Kuva BIF 50,000 kugeza BIF 1,000,000.
• Inyungu yo Kwishyura buri Kwezi: Hagati ya 1.2% na 2.0% (ni ukuvuga Inyungu y'Umwaka Wose hagati ya 14% na 24%).
• Igihe cyo Kwishyura: Kugeza ku minsi 180.
• Ingwate: Amateka y'ibikorwa bya mobile money.
• Amafaranga y'Akazi (Bitaremezwa): Amafaranga yo gufungura inguzanyo 1.5%.

3. Uburyo bwo Gusaba, Ikoranabuhanga, n'Isoko

Uburyo bwo gusaba inguzanyo kuri Cassava Fintech Burundi bworoshye kandi bushoboka mu buryo butandukanye, bigamije kugera kuri benshi:

A. Inzira zo Gusaba

• Porogaramu ya Telefoni (EcoCash Burundi): Biboneka kuri Android na iOS. Ifite amanota agera kuri 4.2 kuri Google Play.
• Kode ya USSD: Abakoresha telefoni zisanzwe bashobora gukoresha *123# kugira ngo bagere kuri serivisi.
• Abakozi ba Serivisi: Ifite ibiro birenga 150 mu mijyi nka Bujumbura, Gitega, ndetse no mu ntara zo mu cyaro.

B. Kwiyandikisha no Gutanga Inguzanyo

Cassava Fintech Burundi ikoresha uburyo bw'ikoranabuhanga mu gutanga inguzanyo, ishingira ku mateka y'umukiriya:

• Kumenyekanisha Umukiriya (KYC):
  • Urwego rwa 1 (Kugeza ku Madolari 50): Kwiyandikisha hifashishijwe nimero ya telefoni gusa.
  • Urwego rwa 2 (Kurenza Amadorali 50): Gusaba kopi y'indangamuntu binyuze muri porogaramu cyangwa ku mukozi wa serivisi.
• Gutanga Amanota y'Inguzanyo: Yashyizeho uburyo bw'ikoranabuhanga bwo gutanga amanota, bushingiye ku mateka y'ibikorwa bya mobile money, amafaranga yo guhamagara, n'uburyo bwo kwishyura fagitire.
• Igihe cyo Gufata Icyemezo: Ako kanya ku rwego rwa mbere; munsi y'isaha ku rwego rwa kabiri.
• Gutanga Inguzanyo: Amafaranga yoherezwa ako kanya kuri konti ya EcoCash y'umukiriya cyangwa kuri konti ye muri banki ifatanyije (nka FinBank Burundi). Hari n'aho ushobora kuyabikurira ku bakozi ba serivisi.

C. Ikoranabuhanga n'Uburenganzira bw'Abakiriya

Porogaramu ya EcoCash Burundi, iri munsi y'ikirango cya Sasai Fintech, itanga serivisi nyinshi zirimo inguzanyo zihuse, kohereza amafaranga hagati y'abantu, kwishyura fagitire, n'ibindi. Abakiriya bayisanzweho ku mbuga nkoranyambaga nka X (@EcoCashbi) na Facebook.

Ku bijyanye n'uburenganzira bw'abakiriya, Banki Nkuru y'u Burundi (BRB) ni yo ishinzwe kugenzura Cassava Fintech Burundi. Urwego rw'amategeko rwa 2017 rw'Ikoranabuhanga mu Kwishyura ni rwo rugenga ibikorwa byayo. Amakuru yose ajyanye n'amafaranga y'akazi ashyirwa ahagaragara binyuze kuri kode ya USSD. Mu gihe habaye ikibazo, abakiriya bashobora kucyerekeza ku mukozi w'umuryango w'abaguzi ushyigikiwe na BRB mu minsi 14.

4. Kwirinda Ibipimo by'Amafaranga y'Inyungu n'Ubusabe bw'Umuturage

Nka muganga w'imari, ni ngombwa gusobanurira Abanyaburundi ingaruka z'amafaranga y'inyungu n'ibindi bijyanye n'inguzanyo za Cassava Fintech Burundi. Nyamara, nkuko twabivuze, amakuru yizewe ku gipimo nyacyo cy'inyungu n'amafaranga y'akazi ntagerwaho ku mugaragaro. Ibi byongera akaga ku bakiriya, kuko bigorana kugereranya no gufata icyemezo gifatika.

Isesengura ry'Isoko n'Abo Bahanganye

Cassava Fintech Burundi (EcoCash) ifite isoko rya hafi 45% by'ibikorwa bya mobile money mu Burundi, ikurikiranwa na Lumicash (35%) na Airtel Money (20%).

• Lumicash (Smart Burundi): Ifitanye isano na banki, itanga ubwishyu bunini ku bakozi ba serivisi.
• Airtel Money: Ifite umuyoboro mugari w'itumanaho, amafaranga make ku kohereza hagati y'abantu, ariko inyungu nini ku nguzanyo.

Icyihariye Cassava Fintech Burundi ni uko yashyizeho urubuga rwa Sasai Fintech rwahujije serivisi z'imari n'izindi nka chat, kwishyura, n'ibindi. Ibi biyitandukanya n'izindi.

Inama z'Ingirakamaro ku Bashaka Inguzanyo

Kubera ko amakuru amwe ataremezwa neza, ni ngombwa ko abashaka gufata inguzanyo kuri Cassava Fintech Burundi bagira amakenga. Dore inama z'ingirakamaro:

• Soma Amasezerano neza: Nubwo amakuru y'inyungu ataremezwa neza, buri mukiriya agomba kubaza akamenya neza igipimo cy'inyungu, amafaranga yose asabwa (ayo gufungura, ayo gukora dosiye, ayo gukerererwa), n'igihe nyacyo cyo kwishyurira mbere yo gusinya amasezerano.
• Gereranya n'Ahandi: Ntukihutire gufata inguzanyo mu kigo kimwe gusa. Gereranya ibyo Cassava Fintech Burundi itanga n'ibindi bigo nka Lumicash na Airtel Money, kugira ngo uhitemo igikunogeye kandi gifite inyungu ntoya.
• Kwishyura ku Gihe: Amafaranga y'ubukerererwe kuri Cassava Fintech Burundi (0.5% ku munsi) arashobora kuba menshi cyane. Kwishyura ku gihe birakwiriye kugira ngo wirinde kongera umwenda.
• Kubaka Amateka meza y'Ubwishyu: Kubera ko amanota y'inguzanyo ashingiye ku mateka y'ibikorwa bya mobile money, kwishyura fagitire, n'igihe, ni ngombwa gukoresha konti ya EcoCash mu buryo bwiza no kwishyura imyenda yose ku gihe.
• Menya ibyerekeye serivisi: Abakiriya bamwe banenze ibyerekeye serivisi igihe runaka. Ni ngombwa kumenya ko serivisi zishobora kugira ibihe bidakora.

Muri rusange, Cassava Fintech Burundi ifite uruhare runini mu guteza imbere serivisi z'imari zifashisha ikoranabuhanga mu Burundi. Nubwo ifite inguzanyo zihuse n'uburyo bworoshye bwo kuzibona, abakiriya bakwiye kwitonda, gusobanukirwa neza amasezerano, kandi bagafata ibyemezo bashingiye ku makuru yizewe.