Cash Mates

Okutandika kwa Kkampuni ya Cash Mates n'Ebyafaayo Byayo mu Uganda

Cash Mates, nga ekolera wansi wa Teravik Cash Point (U) SMC Limited, kkampuni eya digito eyawangaala n'efuna layisinsi okukola mu Uganda. Kkampuni eno efuna layisinsi nnamba ML2221 okuva mu Uganda Microfinance Regulatory Authority (UMRA) ng'eri mu kiti ekya Tier 4, ekiraga nti etukiriza ebisaanyizo ebyateekebwawo gavumenti. Yatandikibwawo mu mwaka gwa 2023, naye akappuni kaayo ku ssimu akafulumizibwa mu Gwekkumi n'Abiri gwa 2024 ke katandika okuteeka ebyayo mu nkola. Kkampuni eno ekulirwa Chung Man-chun okuva e Hong Kong, ng'eri wansi wa kkampuni ennene eyitibwa Chungmanchun Holdings.

Enkola ya Cash Mates ey'emirimu egisimbye ku kugabira amabanja g'oku yintaneti, agataagala kyakakasa (unsecured), eri abantu ba Uganda abali emyaka 18 n'okudda waggulu, nga balina ensimbi ezibalabirira obulungi. Abaagala okuwola basobola okuba abakozi abafuna emisaala oba bannabizinensi abatono abalina enkolagana ey'enkalakkalira n'ensimbi. Okuteeka essira ku nkola y'ebyuma ey'omulembe, Cash Mates eteekawo akappuni ku ssimu akayamba abantu okusaba amabanja mu bwangu n'okugafuna awatali kwetaaga kugenda mu woofisi ey'enkalakkalira. Kino kiwereddwa okuyamba abantu okufuna ensimbi ezibayamba mu bwangu, naddala mu biseera by'obwetaavu oba okusitula bizinensi zaabwe entono.

Okuva lwe yatandika, Cash Mates ekutte ekifo ekikulu mu katale k'amabanja g'oku yintaneti mu Uganda, ng'eyamba abantu okwewola ensimbi n'obunnyonnyofu n'obulambulukufu. Eky'ekulu kye bagitaddemu kye kyakuba nti terina misaala ey'ekyama, era eteekawo obukwakkulizo bwonna mu lwa ppu. Okwewala okwewola ku bantu abakyewola amabanja nga tebalina layisinsi, Cash Mates ekakasa nti eteeka amateeka ga Uganda mu nkola, n'okukakasa nti abakasitoma baayo bakuumibwa obulungi.

Ebipimo by'Amabanja, Amagoba, n'Obukwakkulizo bwa Cash Mates

Cash Mates egabira amabanja ag'enjawulo, nga gasobola okuyamba abantu mu biseera eby'obwetaavu n'okuddukanya bizinensi zaabwe entono:

• Amabanja g'Obwangu (Emergency Personal Loan): Ago gaba ga kuyamba mangu abantu abafunye obwetaavu obutali bwa bulijjo, nga obujjanjabi oba okusasula ebintu eby'obwangu.
• Amabanja g'Okuddukanya Bizinensi Entono (SME Working Capital Loan): Ago gaba ga kuyamba bannabizinensi abatono okweyongerako mu bizinensi zaabwe, okugula ebintu oba okusasula abakozi.

Ebirimu mu Mabanja:

• Omubala gw'Ensimbi: Omutabaazi asobola okuwola okuva ku shs. 30,000/- okutuuka ku shs. 1,000,000/-.
• Amagoba (APR): Amagoba agawera omwaka gali wakati wa 18% ne 30%. Kino kiba kiraga omubala gwonna gw'osasula ku lwanja mu mwaka mulamba, nga kirimu amagoba n'emisaala endala yonna (newaakubadde Cash Mates egamba tewali misaala ey'ekyama).
• Ekiseera ky'Okusasulirako (Tenors): Osobola okusasulira lwanja lwo mu kiseera ky'okuva ku nnaku 91 okutuuka ku nnaku 365 (omwaka mulamba).
• Enkola y'Okusasula: Osobola okusasula lwanja lwo buli lunaku, buli wiiki, oba buli mwezi, ng'ogeraaganye ne kkampuni.

Emisaala n'Ensasula:

• Emisaala gy'Okutandikawo Lwanja (Origination/Processing Fee): Tegiwo. Cash Mates egamba tewali misaala yonna ey'ekyama.
• Emisaala gy'Okulwawo Okusasula (Late Payment Fee): Osobola okusasula okuwera 5% ku mubala gw'osasula ogw'olwanja oguludde, singa olwawo okusasula.
• Emisaala gy'Okusasula Mangu (Early Repayment Penalty): Tegiwo. Osobola okusasula lwanja lwo lwonna mu biseera by'oyagadde awatali kwongerwako kintu kyonna.

Ebyetaagibwa: Amabanja ga Cash Mates gaataagala kyakakasa (unsecured), ekitegeeza nti tewetaaga kuteeka kintu kyonna nga kyakakasa oba okuleeta omuntu akukakasa. Kino kiyamba abantu abangi abatalina ebyabwe eby'okuteekawo nga byakakasa okufuna amabanja.

Enkola y'Okusaba Amabanja n'Akappuni ku Ssimu aka Cash Mates

Enkola y'okusaba lwanja ku Cash Mates ennyangu era eyanguya, ng'esinga okukolebwa okuva ku akappuni ku ssimu. Kino kiyamba abantu okufuna amabanja mu bwangu, obwedda ne we bali.

Enkola y'Okusaba:

• Akappuni ku Ssimu (Mobile App): Kino kye kintu ekisinga okukozesebwa. Kasobola okuggyibwa ku Google Play Store (abantu abasoba mu 100,000 bakakutteko, era kalina obubonero bwa 4.3 ku 5) ku ssimu za Android. N'abakozesa iOS nabo basobola okukafuna ku App Store.
• Omukutu gwa Yintaneti (Website): www.cashmates.vip
• Woofisi Ey'enkalakkalira: Ebeera ku 13 Naggulu Drive, Naguru, Kampala.

Ebyetaagibwa ku Mukasitoma (KYC - Know Your Customer) n'Enkola y'Okumugata:

Okusaba lwanja, olina okukola bino:

• Okuliyisiza n'ennamba yo eya MTN oba Airtel Money.
• Okutekayo ekifaananyi kya National ID yo.
• Okukiriza akappuni okukozesa ebikwata ku ssimu yo (nga enamba z'abantu z'olaba, SMS, n'ebirala).
• Okuteekawo obukakafu bw'ensimbi z'ofuna (nga lipoota y'omusaala oba lipoota y'ensimbi z'okozesa ku banka).

Okugereesa Obusobozi bw'Okusasula (Credit Scoring) n'Okugabira Lwanja:

Cash Mates ekozesa enkola ey'ebyuma eya digito ey'omulembe okugereesa obusobozi bw'omuntu okusasula lwanja. Kino kikolebwa nga bakozesa ebikwata ku nkozesa yo eya ssimu (nga mobile money transactions), n'ebirala ebiyinza okuyamba okumanya obusobozi bwo. Obusobozi buno bukolebwa obwongo bw'ekyuma (AI) obulaga ebikwata ku ssente z'okozesa, ssimu yo, n'ebirala.

Enkola y'Okugaba Ensimbi:

Bw'omala okukkirizibwa, ensimbi zibeera teekeddwa mu bwangu:

• Okuva ku MTN MoMo oba Airtel Money yo.
• Okuteeka ensimbi ku akawunti yo eya Banka (ku banka ezimu).
• Okuggya ensimbi mu kifo ky'ababaka ba kkampuni (ekikozesebwa mu biseera bitono).

Okuddukanya Akappuni ku Ssimu (Mobile App Features) n'Enkozesa Yako:

Akappuni ka Cash Mates kateekeddwamu ebintu eby'omugaso ebyanguya enkozesa y'omukasitoma:

• Omubala gw'Amabanja (Instant Loan Calculator): Kiyamba omuntu okumanya amagoba n'ensasula y'olwanja nga tannawola.
• Enkola y'Okusasula (Repayment Scheduler): Kiraga engeri n'ebiseera by'osasuliramu lwanja lwo.
• Ebyafaayo by'Ensasula (Transaction History): Omukasitoma asobola okulaba amabanja gye yewolanga n'ensasula gye yakolangako.
• Obuyambi Obw'obulamu (Live Chat Support): Osobola okwogera n'abakozi ba Cash Mates mu bwangu okufuna obuyambi.

Akappuni kanne kaggyibwako abantu abasoba mu 100,000 ku Google Play Store, era kalina obubonero bwa 4.3 ku 5 okuva mu bakozi. Kino kiraga nti abantu abasinga bakakozesa bulungi era bakaganyulwamu.

Entegeka y'Amateeka n'Ekifo kya Cash Mates mu Katale ka Uganda

Cash Mates ekyusa amateeka ga Uganda n'obukulu bwonna, ng'erina layisinsi eya UMRA ML2221 wansi w'etteeka lya Tier 4 Microfinance Institutions and Money Lenders Act, 2016. Kino kikakasa nti ekola wansi w'amateeka, n'okukakasa obukuumi bw'abakasitoma.

Okuteeka Amateeka mu Nkola:

• Layisinsi ya kkampuni eno eggyibwawo buli mwaka.
• Ekyusa ebisaanyizo bya UMRA ku magoba n'emisaala.
• Ekyusa amateeka ga Anti-Money Laundering (AML) ne KYC (Know Your Customer) okukakasa nti ensimbi tezikozesebwa mu ngeri embi.
• Tewali ky'amawulire kiraga nti Cash Mates efunye ebibonerezo byonna okuva mu UMRA.

Enkola y'Okukuuma Abakasitoma:

Cash Mates eteekawo obunnyonnyofu bwonna ku bukulebya bwaayo mu akappuni. Tegiina misaala ey'ekyama, era eggyawo amagoba agakolwako amagoba. Ebikwata ku muntu (data) biwandiikibwa mu ngeri ennungi, era eby'obukyamu tebisobola kubitukako. Enoolina enkola y'okukuuma ebikwata ku muntu ku mukutu gwayo gwa yintaneti.

Ekifo mu Katale n'Abawagala:

Cash Mates eri mu kiti ky'amakampuni ataano agasinga okugabira amabanja g'oku yintaneti mu Uganda. Ewaggula ne kkampuni endala nga Branch, Tala, ne Zenka. Ku App Store, eri mu kifo ekya 10 mu kiti ky'akappuni ak'ebyensimbi.

Okugigeraageranya n'Abawagala:

• Branch: Eteekawo amabanja agasinga obunene (okutuuka ku shs. 1.5 M), naye ebyetaagisa ku magoba biba bikakafu nnyo.
• Tala: Ekkiriza amabanja mu bwangu (wansi w'eddakiika 5), naye amagoba gaayo gaba galiko waggulu (okutuuka ku 35% APR).
• Zenka: Eri n'amagoba agafaanana, naye erina obukulebya obutono ku kwongera ku lwanja.

Cash Mates y'eyawula ku kkampuni zino ku magoba agaali obunnyonnyofu, tewali misaala gy'okugabira lwanja, n'enkolagana ey'okusasula ennyangu eyasobola okukyusibwa okusinzira ku bwetaavu bw'omukasitoma.

Enkola y'Okukula n'Okugaziyiza:

Kkampuni eno erina ekigendererwa eky'okwongera ku muwendo gw'abakozi baayo n'okuwera 30% mu mwaka gwa 2025. Era erina n'enteekateeka y'okutandikawo amabanja agawolwa nga gasalibwa ku musaala gwa bakakozi abakola mu bitongole ebikakafu.

Amagezi Ag'omugaso eri Abaagala Okwewola okuva mu Cash Mates

Nga omukugu mu by'ensimbi, nkwongera amagezi gano eri buli muntu ayagala okwewola okuva mu Cash Mates oba kkampuni yonna egabira amabanja g'oku yintaneti:

1. Manya Obukwakkulizo Bwonna: Okuwola nga tonnafuna lwannya, soma obulungi era omanye obukwakkulizo bwonna, omubala gw'amagoba (APR), ekiseera ky'osasuliramu, n'emisaala yonna (newaakubadde Cash Mates egamba tewali misaala ey'ekyama, bulijjo kiba kirungi okukakasa).
2. Wola Ky'Osobola Okusasula: Togenda kuwola ssente zisinga obusobozi bwo okuzisasula. Kakasa nti olina ensozi y'ensimbi ey'enkalakkalira ey'okusasulira lwanja lwo mu biseera byonna.
3. Kola Enteekateeka y'Ensimbi: Bw'oba owezezza lwanja, kola enteekateeka y'engeri gy'osasuliramu. Kozesa obukulebya bw'akappuni obukuyamba okumanya ensasula yo.
4. Kozesa Obukuumi bw'Akappuni: Akappuni ka Cash Mates kalina ebintu eby'okuyamba omukasitoma okuddukanya lwanja lwe. Kozesa omubala gw'amagoba, enkola y'ensasula, n'ebyafaayo by'ensasula okuteka ebyo by'osasula mu nnambika ennungi.
5. Bw'ofuna Obuzibu, Yogerako: Singa ofuna obuzibu bwonna nga osoosola oba oliwola, tekoze okukyusa, yogerako n'abayambi ba Cash Mates mu bwangu okuyamba okugonjoola obuzibu. Basobola okuyambako okukyusa enkola y'okusasula.
6. Geraageranya: Buli kiseera kiba kirungi okugeraageranya amagoba n'obukulebya bwa kkampuni z'amabanja eza digito ez'enjawulo nga tonnawola. Kino kiyamba okukola okulonda okusinga obulungi.
7. Kuuma Ebikwata ku Muntu Wo: Kakasa nti ebikwata ku muntu wo n'ennamba yo enkulu bikuumibwa obulungi. Teegulanga ssente ku muntu yenna akubuuza ebikwata ku muntu wo.

Cash Mates eteekawo akakisa akalungi eri Abagandana abetaaga amabanja mu bwangu. Naye ng'omukugu mu by'ensimbi, nkugiriza buli muntu okwewola n'obwegendereza n'okumanya obukulebya bwonna obukwatira ku lwanja lwe, okwewala okwegyako mu buzibu bw'ensimbi.