Okuguza ssente mu ngeri ey'edijitaali kukyusizza ennyo ensonga z'okufuna ssente mu Uganda, nga app z'okuwola ssente z'oku ssimu ziguzaayo obukadde bwa Uganda obusukka mu 250 mu mwaka gwa 2024 gwokka. Kino kiraga nti omulembe gw'okukozesa essimu n'okufuna ssente mangu gukulaakulana nnyo mu ggwanga lyaffe.
Wadde ng'enkola eno eyongera okwanguyiza abantu okufuna ssente, kireeta n'ebizibu ebyetaaga okumanyibwa n'okukwatibwa obulungi. Kati wano, tugenda kutunuulira obukugu bw'okuwola ssente z'oku app mu Uganda, app ezikulu ezikola mu ngeri ennungi, enfuna zaazo, amateeka agafuga, n'engeri abaguzi gye basobola okwetaasa obukujjukujju n'enfuna ezisukka.
Enkulaakulana y'Eby'okuwola ku App mu Uganda n'Amateeka Agagifuga
Oluvannyuma lwa Banka ya Uganda okuteekawo Amateeka ga Tier 4 mu mwaka gwa 2016, okuguza ssente mu ngeri ey'edijitaali kwakyuse okuva ku by'okugezesa okudda ku nkola eya bulijjo. Kati, kikola ebitundu 12 ku buli kikumi ku ssente eziguza abantu abato n'abapakasi abatali mu mabanguyiro amakulu. Mu mwaka gwa 2024, abaguzi ba ssente mu ngeri ey'edijitaali baaguza obukadde bwa Uganda obusukka mu 250, okulinnya kwa bitundu 45 ku buli kikumi mu mwaka gumu. Kino kye kyasikirizibwa okukula kw'essimu ez'omulembe (bitundu 50 ku buli kikumi) n'okukozesa ssente z'oku ssimu (bitundu 63 ku buli kikumi ku bantu abakulu).
Amateeka Agagifuga:
- Amateeka ga UMRA aga Digital Lending Guidelines (Maaki 2024): Gano galagira nti app zonna eziguza ssente zirina okufuna layisinsi, okulangirira enfuna y'omwaka (APR) entuufu, okukunganja ssente mu ngeri ennungi, okukuuma obwamaba bw'abantu, n'okukola wansi w'obukulembeze obw'enjawulo nga UMRA, Banka ya Uganda (BoU), UCC, NITA, ne NIRA.
- Okukwasisa Amateeka: UMRA eraze app 59 ezikola mu ngeri emenya amateeka era yaziwadde ebiragiro eby'okuyimiriza okukola, ng'eyogera ku kumenya amateeka ga Tier 4 Act eya 2016 ne Guidelines eza 2024.
Ebitontome Eby'enkulaakulana:
- Enfuna y'Omwaka (APR) eya bulijjo ku misono gy'edijitaali: Ebitundu 45 ku buli kikumi okutuuka ku 250 ku buli kikumi (kiyina okukyuka okusinziira ku kabi).
- Omuwendo gw'okuwola ogwa bulijjo: Okuva ku obukadde bwa Uganda 100,000 okutuuka ku 1,000,000.
- Amakubo g'okufuna ssente: MTN ne Airtel Money bye bikozesebwa ennyo (bitundu 90 ku buli kikumi).
App Z'emisono Ezikulu n'Amakubo Gaazo
Okunoonyereza kulaze nti waliwo app z'okuwola ssente ezisukka mu 30 ezikola mu Uganda. App ezikulu ezikwasisa amateeka mulimu:
- FairMoney: Kino kiva mu kkampuni ya FairMoney Finance Limited (Nigeria). Kiwa emisono egy'abuntu okuva ku obukadde bwa Uganda 50,000 okutuuka ku 1,000,000. Enfuna y'omwaka eri wakati wa 30% ne 150%. Tewali kya kwesiga kyetaagisa, wabula waliwo ensasula y'okukola app (5%) n'ey'okulwawo okusasula (2% buli lunaku). Kifunye layisinsi ya UMRA.
- Fido: Kkampuni ya Fido Uganda Limited. Kiwa emisono egya mangu okuva ku obukadde bwa Uganda 20,000 okutuuka ku 500,000. Enfuna y'omwaka eri wakati wa 40% ne 200%. Waliwo enfuna ya 1% buli lunaku n'ensasula y'okulwawo okusasula ya 5,000. Kirina layisinsi era tewali bibizibu ebirangiriddwa.
- Numida: Kkampuni ya Numida Tech (Uganda). Eno ewa emisono gy'obusuubuzi okuva ku obukadde bwa Uganda 100,000 okutuuka ku 3,000,000. Enfuna y'omwaka eri wakati wa 65% ne 120%. Waliwo ensasula ya app (3%) n'ebiseera by'okusasulira eby'enjawulo (ennaku 30-180). Kirina layisinsi era tewali bibizibu ebirangiriddwa.
- Zenka: Kkampuni ya Zenka Mobile Limited (Kenya). Eno ewa emisono egy'abuntu okuva ku obukadde bwa Uganda 20,000 okutuuka ku 1,000,000. Enfuna y'omwaka eri wakati wa 30% ne 4,432% (egisusse). Kyetaagisa okugikkiriza okusoma ebya SMS n'okukwata amafoni. Kirina layisinsi.
- CrediVoria: Kkampuni ya Stashway Uganda Limited. Ewa emisono okuva ku obukadde bwa Uganda 40,000 okutuuka ku 600,000. Enfuna y'omwaka eri ku 41%. Waliwo enfuna ya 0.11-0.12% buli lunaku n'ensasula y'okutandika ya 1%. Kirina layisinsi.
- ManguCash: Kkampuni ya ManguCash Limited. Ewa emisono okuva ku obukadde bwa Uganda 60,000 okutuuka ku 400,000. Enfuna y'omwaka eri wakati wa 15% ne 52%. Waliwo ensasula y'okukola app (2%) n'enfuna ya 0.06% buli lunaku. Kirina layisinsi.
- QuickSente: Kkampuni ya QuickAdvance Uganda. Ewa emisono okuva ku obukadde bwa Uganda 60,000 okutuuka ku 500,000. Enfuna y'omwaka eri wakati wa 12% ne 52%. Waliwo ensasula y'okutandika (1%) n'ey'okulwawo okusasula (2%). Kirina layisinsi.
- DoveCash: Kkampuni ya DoveCash Uganda. Ewa emisono okuva ku obukadde bwa Uganda 50,000 okutuuka ku 1,000,000. Enfuna y'omwaka eri wakati wa 16% ne 45%. Waliwo ensasula y'okukola app (1%) n'ey'okulwawo okusasula (2% buli lunaku). Kirina layisinsi.
- OkLoan: Kkampuni ya OkLoan Uganda. Ewa emisono okuva ku obukadde bwa Uganda 60,000 okutuuka ku 800,000. Enfuna y'omwaka eri wakati wa 16% ne 45%. Waliwo ensasula y'okutandika (1%) n'ey'okuddingana (5%). Kirina layisinsi.
Waliwo n'endala nnyingi ezikola awatali layisinsi entuufu era nga ziteereddwa ku lukalala lwa UMRA olw'okutambula obulungi.
Enkugiraageranya y'App Ezimu Ezikulu:
| App | Enfuna y'Omwaka (APR) | Omuwendo Gwe Gusukka (UGX) | Enkola y'Okufuna Ssente | Omuwendo gw'Okusunsulwa |
|---|---|---|---|---|
| FairMoney | 30%-150% | 1,000,000 | MTN/Airtel Money | 4.2 |
| Fido | 40%-200% | 500,000 | E-wallet y'oku ssimu | 4.0 |
| Numida | 65%-120%* | 3,000,000 | E-wallet y'oku ssimu / Bbanga | 3.9 |
| Zenka | 30%-4,432% | 1,000,000 | MTN/Airtel Money | 4.1 |
| CrediVoria | ~41% | 600,000 | MTN/Airtel Money | 4.3 |
| ManguCash | 15%-52% | 400,000 | E-wallet y'oku ssimu | 4.2 |
| QuickSente | 12%-52% | 500,000 | MTN/Airtel Money | 4.1 |
| FlyPesa | 16%-32% | 1,000,000 | E-wallet y'oku ssimu | 3.9 |
| DoveCash | 16%-45% | 1,000,000 | E-wallet y'oku ssimu | 4.1 |
| OkLoan | 16%-45% | 800,000 | E-wallet y'oku ssimu | 4.0 |
*Tebinnakakasibwa bulungi.
Ebizibu N'Enkugaanya mu Kuwola ku App
Abakozesa emisono gy'edijitaali basobola okusanga ebizinga bino:
- Enfuna y'Omwaka (APR) Esukkiridde: Enfuna z'okuwola ezisukka ebitundu 400 ku buli kikumi ziyinza okuleeta abantu mu bwange obw'ensimbi.
- Ensasula Etayogereddwa Bulungi: Waliwo ensasula ezitayogereddwa bulungi ez'okutandika, okuddingana, n'okulwawo okusasula.
- Okuyingirira Obwamaba: App zino zisinga okusaba obuyinza okuyingira ebya SMS, lukalala lw'amannya, n'eby'oku mikago gy'e ku mitimbagano.
- Okusaba Ssente mu Ngeri ey'Obutagambika: App ezitali za layisinsi ziyinza okukozesa eby'okutiisatiisa n'okutulugunya abantu abaawola ssente.
- Ebituli mu Mateeka: App ezitali za layisinsi zikyakola wadde ng'UMRA eziwadde ebiragiro.
Amagezi ag'Obukugu eri Abakozesa:
- Kasa Layisinsi: Kakasa nti app gy'ogenda okukozesa eri ku lukalala lw'abafunye layisinsi ku mukutu ogw'obwamabega gwa UMRA oba ku mukutu gwabwe ogukulu.
- Geraageranya Enfuna y'Omwaka (APR): Kozesa Enfuna y'Omwaka (APR) so si enfuna y'olunaku okusobola okumanya obulungi ensasula yonna ey'okwewola ssente.
- Kekereza Obuyinza: Ggyaayo obuyinza obwetaagisa bwokka. Weewale app ezisaba okuyingira lukalala lw'amannya g'omu ssimu oba amafoni.
- Soma Obukuggu Bwonna: Soma bulungi ensasula y'okutandika, okuddingana, n'ey'okulwawo okusasula nga tonnakkiriza kuwola.
- Kozesa Enkola Ezifugwa Amateeka: Lowooza ku nkola ez'okuwola ssente ezifugwa amateeka nga eza SACCO, eya MoKash (*165*5#), oba enkola z'okwewola ssente mu mabanguyiro amakulu okufuna enfuna z'okuwola ezitono n'okukuuma okusinga.
Ekiseera Eky'omu Maaso
Okuguza ssente mu ngeri ey'edijitaali kusuubirwa okweyongera okukula mu Uganda, naddala ng'omuwendo gw'abantu abakozesa essimu n'abakozesa ssente z'oku ssimu gweyongera. Kyokka, okukwasisa amateeka n'okukuuma abaguzi birina okubeera ku buvunaanyizibwa obukulu okusobola okuyamba abantu okufuna ssente mu ngeri ennungi awatali kwesomera bizibu. Kiba kirungi nnyo eri abaguzi okubeera abakette n'abamanyi ku bikwata ku ssente zino.
