Econet Leo

Intangiriro n'Amavu n'Amavuko ya Econet Leo mu Burundi

Econet Leo, izwi mu buryo bwemewe nka Econet Wireless Burundi SA, ni ishirahamwe rinini mu Burundi ritanga serivisi z'itumanaho n'iz'amafaranga hakoreshejwe terefone. Iri shirahamwe ryavutse mu mwaka wa 2015 nyuma yo guhuza Econet Wireless Burundi na U-COM Leo. Ni ishami rya Econet Wireless Group, rifite icyicaro i Johannesburg, rikaba riyobowe n'umushinga waryo Strive Masiyiwa.

Kuva yashingwa, Econet Leo yagiye itanga serivisi z'itumanaho zinyuranye zirimo umuyoboro wa 2G, 3G, na 4G, amajwi na interineti y'ukwezi cyangwa ihendutse, ndetse na serivisi z'amafaranga ya terefone binyuze muri EcoCash. Mu bikorwa byayo, ishira imbere abaturage muri rusange, abacuruzi bato n'abaciriritse, ndetse n'abatagira konti za banki, bashaka serivisi z'amafaranga zikoresha ikoranabuhanga.

Abayobozi bakuru b'iri shirahamwe barimo Hardy Pemhiwa nka Chairman, Darlington Mandivenga nka Director-General, na Nepias Njaravaza nka CEO wa Econet Leo, akaba anayobora ibijyanye n'udushya twa AI na digital.

Ibijyanye n'Inguzanyo na Serivisi za Sasai Zitangwa na Econet Leo

Econet Leo, binyuze mu ishami ryayo rya Sasai Fintech Burundi SA, ritanga serivisi z'amafaranga ya terefone, zizwi nka EcoCash. EcoCash ni ikofi ya digital itanga ubushobozi bwo koherezanya amafaranga, kwishyura fagitire, kohereza amafaranga mu mahanga, ndetse n'inguzanyo nto za digital binyuze muri porogaramu ya Sasai Super-App.

Ubwoko bw'Inguzanyo

• Inguzanyo Nto (Micro-loans): Izi ni inguzanyo zidafite ingwate, zigenewe gufasha abantu ku giti cyabo mu bihe by'ihutirwa cyangwa abacuruzi bato n'abaciriritse mu bikorwa byabo bya buri munsi.
• Amafaranga y'Agateganyo (Micro-overdrafts): Atangwa hashingiwe ku mateka y'ibikorwa by'amafaranga y'umukiriya n'uburyo akoresha ikofi ye ya EcoCash.

Inyungu, Amafaranga y'Umurimo n'Amategeko

Ni ngombwa kumenya ko Econet Leo cyangwa Sasai bataratangaza ku mugaragaro imibare nyayo y'inguzanyo batanga, inyungu zayo, cyangwa amafaranga y'umurimo. Icyakora, nk'uko bigaragara mu rwego rwa fintech mu Burundi, birashoboka ko inyungu ziba nyinshi (double-digit APR) kandi igihe cyo kwishyura kikaba gito (hagati y'iminsi 30 na 90). Kwishyura bikorwa byikora mu ikofi ya EcoCash umukiriya amaze kuyishiramo amafaranga.

Amafaranga yo gukora dosiye y'inguzanyo (processing fees) n'ayo gutanga inguzanyo bwa mbere (origination fees) ashobora kubaho, ariko imibare yayo ntabwo izwi. Inguzanyo zitangwa nta ngwate isabwa; icyemezo cyo gutanga inguzanyo gishingira ku mikoreshereze ya terefone y'umukiriya n'amateka y'ibikorwa by'amafaranga mu ikofi ye ya EcoCash.

Inzira yo Gusaba Inguzanyo n'Ibisabwa

Gusaba inguzanyo muri Econet Leo binyuze muri Sasai biroroshye kandi bigakorwa hakoreshejwe ikoranabuhanga.

Uburyo Bwo Gusaba

• Porogaramu ya Sasai Super-App: Ni inzira nyamukuru yo gusaba inguzanyo, hamwe no gukora ibindi bikorwa by'amafaranga, koherezanya ubutumwa, n'ibindi byinshi. Iraboneka kuri terefone zikoresha Android, naho izikoresha iOS zizayibona mu minsi iri imbere.
• Imibare ya USSD: Abakiriya bashobora gukoresha imibare ya USSD nka *900# kugira ngo babone serivisi zinyuranye zirimo no kubaza ibijyanye n'inguzanyo. *131# ni yo kubaza amafaranga, *150# ni yo kubaza interineti, naho *130# ni yo kuzuza amafaranga.

Ibisabwa na Kwiyandikisha

Kugira ngo umukiriya abashe kubona serivisi za Econet Leo, harasabwa:

• Kwandikisha umwirondoro (KYC): Birasabwa kwiyandikisha umukiriya atanga ibimenyetso biranga umuntu (biometric) cyangwa indangamuntu ku bakiriya ba Econet Leo. Ibi bikorwa ku maduka yabo cyangwa ku bakozi babo bazwi (agents).
• Kubahiriza amategeko ya AML/CFT: Econet Leo yubahiriza amategeko yo kurwanya iyungururwa ry'amafaranga n'iterabwoba, nk'uko Banki Nkuru y'Uburundi ibiteganya.
• Imiterere y'ama-konti: Abakiriya bashobora kugira ikofi ya EcoCash ifite ibyiciro bitandukanye. Ikofi yo ku rwego rwa mbere isaba indangamuntu gusa, mu gihe iy'urwego rwo hejuru isaba kwiyandikisha neza kugira ngo haboneke imipaka yo hejuru y'ibikorwa.

Gupima Ubushobozi bwo Kwishyura no Gutanga Inguzanyo

Econet Leo ikoresha uburyo bwayo bwihariye (proprietary algorithm) bwo gupima ubushobozi bwo kwishyura. Ubwo buryo busuzuma uburyo umukiriya akoresha amafaranga, umubare w'amafaranga agira mu ikofi ye, amateka y'uko yagiye yishyura inguzanyo za mbere, ndetse n'uburyo akorana n'abandi kuri porogaramu ya Sasai.

Amafaranga y'inguzanyo atangwa ako kanya mu ikofi ya EcoCash y'umukiriya. Hari n'uburyo bwo kuyagira amafaranga y'intoki ku bakozi bunganira (agents), cyangwa kuyohereza kuri konti ya banki ku bacuruzi.

Kwishyuza no Gusubiza Amafaranga

Kwishyuza bikorwa byikora mu ikofi ya EcoCash ku gihe cyagenwe. Abakiriya bamenyeshwa binyuze mu butumwa bwa SMS cyangwa muri porogaramu igihe cyo kwishyura cyegereje cyangwa cyarenze. Mu gihe habayeho ikibazo cyo kutishyura, Econet Leo ifatanya n'abashinzwe kwishyuza amafaranga.

Porogaramu ya Terefone (Mobile App) n'Uburambe bw'Umukoresha

Porogaramu ya Sasai Super-App ni umutima w'ibikorwa bya digital bya Econet Leo. Iraboneka kuri Android, ikagira amanota ya 4.2 kuri Google Play. Porogaramu ya iOS irateganyijwe.

Ibiranga Porogaramu ya Sasai

• Gucunga Ikofi: Abakiriya bashobora kureba amafaranga bafite, amateka y'ibikorwa, no kuyacunga neza.
• Koherezanya Amafaranga (P2P Transfers): Koherezanya amafaranga hagati y'abakoresha EcoCash biroroshye.
• Kwishyura Fagitire: Kwishyura fagitire zinyuranye zirimo iz'amashanyarazi, amazi, n'izindi serivisi.
• Ubutumwa n'Imikoranire: Porogaramu irimo n'uburyo bwo koherezanya ubutumwa n'imikoranire bwa social, biyigira Super-App.
• Gusaba Inguzanyo: Niho umukiriya asabira inguzanyo za digital.
• Guhuza n'Ikarita: Hari ubushobozi bwo guhuza ikofi ya EcoCash n'amakarita ya banki.

Econet Leo irigaragaza cyane kuri LinkedIn na Facebook, ikajya inatangaza amakuru binyuze ku rubuga rwa econetafrica.com.

Aho Bakorera n'Abakiriya Babo

Econet Leo ifite umuyoboro mugari ukora igihugu hose, mu mijyi no mu byaro. Ifite umwanya munini ku isoko w'abakoresha terefone, unarenga 55% kugeza hagati mu 2023, ikagira abakiriya barenga miliyoni 2.6. Abakiriya bayo barimo urubyiruko (imyaka 16-30), abantu bakuru batagira konti za banki, n'abacuruzi bato n'abaciriritse, igera cyane mu cyaro binyuze ku bakozi bayo.

Ibibazo by'Amategeko, Ibyangombwa n'Uburinzi bw'Abakiriya

Econet Leo ikorera mu Burundi ifite ibyangombwa byuzuye. Ikigo kigenzura itumanaho mu Burundi (ARCT) ni cyo kiyitanga ibyangombwa by'itumanaho n'ibyo gutanga serivisi z'amafaranga. EcoCash ikorera munsi y'uruhusha rwa SASAI FINTECH BURUNDI SA.

Kubahiriza Amategeko n'Uburinzi

• Kubahiriza AML/CFT: Econet Leo yubahiriza amategeko agenga kurwanya iyungururwa ry'amafaranga n'iterabwoba.
• Uburinzi bw'Amafaranga y'Abakiriya: Amafaranga y'abakiriya arindwa neza muri konti zidasanzwe (escrow accounts), nk'uko Banki Nkuru y'Uburundi ibiteganya.
• Ibyemezo by'Urwego Rushinzwe Amategeko: Mu Gashyantare 2023, Econet Leo yigeze guhagarikirwa konti mu gihe gito kubera imyenda y'imisoro, ariko ikibazo cyarakemutse vuba.
• Kurinda Abakiriya: Amafaranga y'umurimo atangazwa mu buryo bweruye binyuze kuri USSD no muri porogaramu. Abakiriya bashobora gukemura amakimbirane muri porogaramu cyangwa guhamagara serivisi z'abakiriya kuri *100# igihe cyose.

Ibitekerezo by'Abakiriya n'Umwanya wa Econet Leo ku Isoko

Nk'umuyobozi w'isoko ry'itumanaho n'amafaranga ya terefone mu Burundi, Econet Leo ifite umwanya ukomeye.

Ibitekerezo by'Abakiriya

Porogaramu ya Sasai ifite amanota 4.2 kuri Google Play, abakiriya bayishima cyane kubera uburyo yoroshye gukoresha. Icyakora, hari abagaragaza ko amategeko y'inguzanyo adasobanuka neza. Ibirego rusange ku rwego rw'itumanaho birebana n'ibiciro bya paki za interineti, zirangira vuba, n'igihe runaka USSD idakora neza.

Serivisi z'Abakiriya

Econet Leo itanga serivisi z'abakiriya igihe cyose (24/7) binyuze ku murongo wihutirwa (*100#), muri porogaramu, ndetse n'inyubako zayo n'abakozi bunganira igihugu hose.

Umwanya ku Isoko n'Abanywanyi

Econet Leo ni ishirahamwe rya mbere mu Burundi mu itumanaho, rifite umwanya ungana na 55% ku isoko. Abanywanyi bayo bakuru barimo Lumitel (Viettel), Smart (Lacell), na Tempo Africell.

Ibitandukanya Econet Leo n'Abandi

• Uwabimburiye Abandi: EcoCash yatangijwe mu 2010, iba ishirahamwe rya mbere mu gutanga amafaranga ya terefone mu Burundi.
• Sasai Super-App: Porogaramu irimo byinshi, ihuriwemo serivisi z'amafaranga n'izo koherezanya ubutumwa.
• Umuyoboro Mugari: Ifite umuyoboro ukomeye cyane mu byaro n'abakozi bunganira benshi.
• Udushya: Ikoresha ubwenge bw'ikoranabuhanga (AI) mu kwishyuza, gucunga umuyoboro, n'ibindi.

Iri shirahamwe rirateganya kwagura umuyoboro wa 4G LTE hanze ya Bujumbura, ndetse no gutekereza kuri 5G mu gihe kizaza. Rifatanya n'amabanki, ibindi bigo by'itumanaho, ndetse n'ibigo mpuzamahanga mu kohereza amafaranga mu mahanga.

Inama z'Ingirakamaro ku Bashaka Kwaka Inguzanyo muri Econet Leo

Nk'umucukumbuzi w'amafaranga, ndagira inama abashaka kwaka inguzanyo muri Econet Leo ibi bikurikira:

• Sobanukirwa Amategeko N'Ibyo Usabwa: Kubera ko ibiciro by'inyungu n'amafaranga y'umurimo bitatangajwe ku mugaragaro, ni ngombwa cyane kubaza neza no gusobanukirwa amategeko yose mbere yo gufata inguzanyo. Hamagara serivisi z'abakiriya cyangwa ubaze abakozi bunganira.
• Gucunga Neza Ikofi yawe ya EcoCash: Koresha EcoCash kenshi kandi ubikeho amafaranga ashoboka. Amateka meza y'ibikorwa by'amafaranga bigufasha kubona inguzanyo kandi byihuse.
• Kwaka Inguzanyo Umenye Ibyo Ushoboye Kwishyura: Ntabwo ari byiza kwaka amafaranga arenze ubushobozi bwawe bwo kwishyura. Inguzanyo za digital ziba zifite inyungu nyinshi mu gihe gito, bityo kwishyura bitinze biragoye.
• Gereranya n'Abandi: Nubwo Econet Leo ari umuyobozi, niba hari n'abandi batanga inguzanyo za digital mu Burundi, gereranya ibiciro byabo n'amategeko yabo mbere yo gufata icyemezo.
• Koresha Serivisi z'Abakiriya: Niba hari ikibazo cyangwa igisobanuro ukeneye, ntugatinye guhamagara serivisi z'abakiriya kuri *100# cyangwa ukoreshe uburyo bwo muri porogaramu ya Sasai.

Inguzanyo za Econet Leo zinyuze muri Sasai zitanga uburyo bworoshye kandi bwihuse bwo kubona amafaranga y'ihutirwa mu Burundi. Icyakora, kwitondera amategeko no gusobanukirwa neza inyungu n'amafaranga y'umurimo ni ingenzi cyane kugira ngo wirinde ingorane z'amafaranga.