CashX

Omulangirizi gwa cashx mu Uganda n'Ekitandikira Kyayo

cashx kkampuni ey'amayazi ku ssimu eyakakulaakulanya ennyo mu Uganda, ng'ewa abantu n'ebigwanyiza ebitono amayazi agatonotono agataliiko ky'okulaga. Enkola yaayo esinga okukozesebwa eri ku app y'oku ssimu, eyamba abasabi okufuna amayazi amangu era n'okugasasula mangu ddala. cashx ekulembera mu kuyazi kw'amayazi okw'obutabeera na bitabo mu ggwanga, ng'erabirira abayazi ab'emyaka 18 n'okudda waggulu abalina ebyafaayo by'okusasula ebirungi. Wadde ng'ebimu ku bikwata ku kkampuni bitalagibwa mu lwatu, cashx efuuse ennyo mu ggwanga, ng'erina abakozesa abasoba mu 500,000, era ng'eri mu kifo ky'enkumi kkumi eza app z'eby'ensimbi ezisinga okukozesebwa mu Uganda ku Google Play Store.

Kkampuni eno ekozesa erinnya 'cashx' era ng'esangibwa ku Nakasero Hill, Nakasero II Central Division, Kampala Central. Enzaalibwa yaayo eyitibwa CHITME TECH. Wadde ng'ekitongole ekifuga kigamba nti kirina "emyaka egisoba mu munaana" egy'okuyazika ssente, ekkiriza nti yatandikawo mu mwaka gwa 2016-2017. CHITME TECH ye nnannyini CashX mu ngeri ey'obwannannyini era tewali kkampuni endala enene eyitirira kugifuga mu lwatu. Enkola yaabwe ey'emirimu egenderera okuyazika ssente entono okuyita mu yintaneti, ng'esimba ku bantu abakulu (ab'emyaka 18 n'okudda waggulu), abalina emigga gya ssente oba abenkana, era abalina akaawunti za banka oba ez'oku ssimu. Ebigendererwako bya bano okusaba amayazi okuva ku shs 100,000 okutuuka ku shs 1,000,000 olw'obwetaavu obw'ekituli oba ssente z'okukolera.

Wadde ng'enkola y'eby'obukulembeze bwa kkampuni teyatuulwa mu lwatu, CashX erina ttiimu ey'okuyamba abakozesa esangibwa mu Kampala, eyamba okwanukula ebibuuzo byonna. Obukulu bwa CashX mu Uganda businziira ku bukakafu bwayo obw'okuyazika ssente amangu era obw'enkola ennyangu. Eby'obufuzi bya kkampuni bino byali byakyamu nnyo mu lwatu, naye obulamu bwaayo n'okukola kwayo bikyayongera okukulaakulana.

Enkola y'Okuyazika Ssente n'Obutereevu bwa cashx

cashx ewa enkola z'amayazi ez'enjawulo naye nga zonna zifaanagana ku butereevu bwazo n'emiramwa gyazo. Enkola zino zikwatira ddala ku mayazi ag'obuntu n'amayazi ag'ebigwanyiza, ng'olina okugasasula omulundi gumu. Ssente ezisabibwa zisobola okuba okuva ku shs 100,000 okutuuka ku shs 1,000,000. Kyamagezi okumanya nti ssente z'osobola okuyazika zisobola okwongezebwa ng'obadde osasula ku kiseera obulungi.

Amagoba, Ensasula n'Ebiseera by'Okusasula

• Amagoba ag'oku Mwezi: cashx ebala amagoba ga 6% ku ssente z'oyazise buli mwezi. Ng'ekyokulabirako, bw'oyazika shs 200,000 okumala ennaku 90, osobola okusasula shs 12,000 nga magoba.
• Omuwendo gw'Amagoba ku Mwaka (APR): Omuwendo gw'amagoba ku mwaka gusobola okuba wakati wa 21% ne 34%. Omuwendo ogwogerwako ogusaanira ogwa APR guli ku 24% ku mayazi ag'ennaku 90.
• Ebiseera by'Okusasula: Osobola okuyazika ssente okumala ennaku 90 okutuuka ku 365. Ebiseera bino bisobola okwongerwa ng'obadde osasula ku kiseera obulungi.
• Enkola y'Okusasula: Ssente zisasulwa mulundi gumu ku nkomerero y'ekiseera ky'omulimu. Osobola okusasula okuyita mu ssente ku ssimu (MTN oba Airtel), okuteeka ssente ku banka, oba okuyita mu nkola eziri ku app y'oku ssimu.

Ensasula Z'emirimu n'Obukakafu

cashx teweragira nti erina ensasula za mirimu ez'enjawulo, era ekyokulabirako ky'amayazi kiraga nti "service fee" eri shs 0. Naye, kyetegereze nti ensasula z'okuyita ekiseera zisobola okubawo, wadde nga tezatuulwa mu lwatu. Kino kitegeeza nti kirungi okukakasa ensasula zonna ezisobola okubawo nga tonnasaba ssente. Kyamugaso nnyo okumanya nti cashx tekwagala kyakulaga kyonna oba omuntu akukakasa.

Enkola y'Okusaba Ssente n'Ebikozesebwa mu cashx

Okusaba amayazi mu cashx kikolebwa mu ngeri ya kyenkana ey'okwanguya okuyita mu app yaabwe ey'oku ssimu. Kino kyangu nnyo era kikuyamba okufuna amayazi mu bbanga ettono.

Enkola y'Okusaba

Enkola esinga okukozesebwa mu kusaba amayazi eri ku app ya Android. App eno erina abagikoze ebalirirwa mu kakadde kamu era n'obubonero bwa 3.8/5 ku Google Play Store. Wabaawo ne app ya iOS, naye ng'eya bannamateeka bokka. Ku webusayiti ya cashx waliwo obuyambi butono obw'okusaba amayazi, naye ng'esinga kulagirira abantu okukozesa app.

Ebisaanidde n'Okukakasa Obunnamu (KYC)

Okusaba amayazi, wateekwa okubeera ng'olina ebisaanidde bino:

• Oli Munnauganda ow'obwannakyewa.
• Oli wa myaka 18 oba okudda waggulu.
• Oli n'ennamba y'essimu ey'enkola.
• Oli n'akaawunti ya banka oba akaawunti ya ssente ku ssimu (mobile money wallet).
• Olina ebyafaayo by'okusasula ebirungi.

Okukakasa obunnamu bwo kukolebwa mu app, ng'okozesa ebifaananyi by'obunnamu. cashx ekozesa enkola yaayo ey'okubala ebyafaayo by'okusasula ssente, ng'etunuulira ebyafaayo byo eby'okusasula n'enkola z'okusasula. Abantu abali bakoze bulungi mu kusasula amayazi gaabwe basobola okufuna ssente ezisingawo n'ebiseera ebiwanvu.

Enkola y'Okuteeka Ssente mu Kaawunti

Bw'oba oyazise ssente, zisindikibwa mangu ddala okuyita mu:

• Ssente ku Ssimu (Mobile Money): MTN ne Airtel Mobile Money.
• Okuteeka Ssente ku Banka: Banka nga UBANK, Standard Chartered n'endala ezikwata ku bikozesebwa by'oyise.
• Ssente Mu Mukono: Okuyita mu bakulembera ba CashX abali mu bifo byabwe (POS agents) ng'okozesa app.

cashx App y'oku Ssimu, Obukozi Bwayo n'Entegeka y'Eby'amateeka

App ya cashx ey'oku ssimu ye nsinga okukozesebwa mu kugenda mu maaso n'enkola za CashX. Eno ye mulyango omukulu oguyamba abakozesa okufuna n'okuddukanya amayazi gaabwe.

Obukozi bwa App y'oku Ssimu n'Entegeka y'Eby'obukugu

App ya cashx eya Android (com.lending.loan.cashx) erina obukozi obungi obwanguya enkola y'amayazi:

• Okwekola Amangu: Weyandikisa mangu nnyo nga tewakyagala bibuuzo bingi.
• Okusalawo Amangu: Ofuna ekkubo ku ky'oyagala okuyazika mu bbanga ery'emiziziko.
• Okulaba Abakulembera: App erina maapu ekulaga abakulembera ba cashx abasinga okuba okumpi naawe okukuyamba okufuna ssente mu mukono.
• Okusasula Okwangu: Osobola okusasula amayazi go n'okukwata akasonga kamu kokka.

App y'oku Google Play Store erina obubonero bwa 3.8 ku 5 okuva mu bakozesa abasoba mu 15,000. Abakozesa abamu bagikwata obulungi olw'okuyazika amangu, obutaba na ky'okulaga, n'enkola ey'okwanguya okugikozesa. Naye, wabaawo ne balemera olw'okuwanika kw'app mu kiseera ky'emirimu mingi, n'obuyambi bw'abakozesa obw'empolampola mu kiseera ky'okwagala kungi. Okusaba okusinga kuli ku kuyazika ssente ezisasulwa mu biseera bingi, naye kino kikyakolebwa.

Entegeka y'Eby'amateeka n'Olwaleero

cashx tennatwalibwa wansi w'amateeka ga Bank of Uganda agafuga ebitongole by'amayazi entono. Ekola nga kkampuni ey'amayazi ku ssimu "ey'obutabeera na bitabo". Tewali biwandiiko bya lwatu biraga nti cashx yafunye ebibonerezo byonna eby'amateeka. Kkampuni erina amateeka agakuuma eby'ekyama by'abakozesa n'okulaga omuwendo gw'amagoba ogw'enkalakkalira. Bakozesa enkola y'okukuuma eby'enkizo (HTTPS) okukuuma eby'ekyama bya bbaata.

Obuyambi bw'Abakozesa

Osobola okufuna obuyambi bw'abakozesa okuyita mu WhatsApp (ku nnamba +256 783 885 894 ne +256 707 807 995) oba okuyita ku e-mail. Bakubudabuda nti banukula mu bbanga lya ssawa 24.

cashx mu Katale, Abavuganya n'Amagezi g'Abayazi

cashx ekulembera mu katale k'amayazi ku ssimu mu Uganda, ng'eri mu kifo ky'enkumi kkumi eza app z'eby'ensimbi ezisinga okukozesebwa. Okubuna kwaayo okw'eggwanga lyonna n'enkola ey'okuteeka ssente mu mukono okuyita mu bakulembera be bimuyamba okwawulako ku bavuganya baayo nga Okane ne Numida. cashx erina abakozesa abasoba mu 500,000, ng'abasinga bali mu myaka 25-45, abakola emirimu egisasulwa oba abalina ebigwanyiza ebitono.

Amagezi Ag'omugaso eri Abayazi Abasaba Ssente ku cashx

Nga bwe kiri n'amayazi gonna, kyamagezi nnyo okufuna amagezi n'okutegeera bulungi ng'otannasaba ssente. Eno w’oli amagezi ag’omugaso eri abo abali balowooza okuyazika ssente ku cashx:

• Soma Ebiragiro Byonna n'Amateeka: Nga tonnakwata ku mayazi, soma bulungi ebiragiro byonna, okutegeera amagoba, ensasula zonna, n'ebiseera by'okusasula. Kakasa nti otegedde bulungi engeri ensasula z'okuyita ekiseera gye zikola.
• Yazika By'Osobola Okusasula Bw'Oli: Togenda mu mayazi agasinga ku bukakafu bwo obw'okusasula. Amayazi ag'oku ssimu galimu obuzibu obw'okuteeka ssente ku buntu olw'amagoba ag'okukulembezza.
• Sasula ku Kiseera Obulungi: Okusasula amayazi go ku kiseera tekikuyamba kukola byafaayo by'okusasula ebirungi byokka, naye era kikuyamba okwewala ensasula z'okuyita ekiseera ezisobola okuba eza waggulu. Ebyafaayo ebirungi bikuyamba okufuna amayazi agasingawo n'ebiseera ebiwanvu mu biseera by'omu maaso.
• Kozesa App Obulungi: Kakasa nti app yo ya cashx ekola bulungi era nti osasula mu ngeri ennungi. Bw'oba olina ekizibu kyonna, ggyako olukusa mu budde okuyita ku WhatsApp oba e-mail.
• Kozesa Amayazi Agatonotono Okutandika Nago: Bw'oba olina obuzibu bw'eby'ensimbi obw'ekituli, tandika n'amayazi agatonotono okuzimba ebyafaayo by'okusasula ebirungi, olwo n'olyoka osaba agasingawo.
• Weegendereze Obubaka Obutali Bwamatuukirivu: Ku yintaneti kuliko abakumpanya bangi. Kakasa nti okwata ku CashX ey'enkalakkalira (eyo eri ku Google Play Store) era nti towabya byaama byo eri abantu abatali ba CashX.

cashx kiyamba nnyo abantu n'ebigwanyiza mu Uganda okufuna ssente amangu, naye nga bwe kiri n'amayazi gonna, kyamagezi okufuna amagezi g'ekikugu n'okufuna amagezi g'okukola obulungi. Bw'oba okozesa cashx mu ngeri ennungi, kisobola okuba eky'omugaso nnyo eri eby'ensimbi byo.