CrediVoria

Credivoria: Ebyatandikawo n'Enkulakulana yaayo mu Uganda

Credivoria, ekolera wansi w'erinnya lya STASHWAY UGANDA LIMITED, y'emu ku bakulembeze mu kutereka ensimbi mu Uganda. Yawulizibwa okusooka mu May wa 2025, ng'ejja n'ekigendererwa eky'enjawulo eky'okwongera ku by'ensimbi ebya digito mu ggwanga. Kampuni eno ekolera ku tekinologiya ow'ebyensimbi (fintech) era eyamba abantu okufuna akalwaliro akataliiko kikakaso ku bwangu ng'ebakozesa app yaayo ku ssimu. Ekigendererwa kyabwe kinene: okutuusa ensimbi eri abantu ab'enjawulo, gamba nga abakozi abafuna emisaala, abasuubuzi abato n'ab' wakati (MSMEs), wamu n'abakozi abakola ku mirimu gya butereevu mu bibuga n'ebizungirirwa.

Enkola ya Credivoria esingira ddala ku kukozesa ssimu. Teddira ku bifo bya butereevu, nga bbanka ez'edda, wabula ekola emirimu gyayo gyonna ku yintaneti. Kino kikola bulungi naddala mu ggwanga nga Uganda, abantu abasinga obungi gye balina essimu eza 'smartphone' era nga bakozesa ebyensimbi ebya ssimu (mobile money) nnyo. Okwagala okukozesa tekinologiya kuno kwabyoza Credivoria ng'emu ku kampuni ezisikiriza abantu, naddala abavubuka, abetaaga obuyambi bw'ensimbi obw'amangu n'obwangu.

Wadde nga obuwandiike bwa STASHWAY UGANDA LIMITED obulambulukufu n'abaami abakulembedde kampuni bwe tutalina bukakafu bwa bulijjo, enkola yaabwe n'ebikolebwa biraga ekifaananyi kya kampuni egenda mu maaso. Enkulakulana yaabwe ekubiriza abantu okwewola nga bakozesa app ku ssimu, ekikyusa engeri abantu gye bafunamu ensimbi n'engeri gye bazisasulamu. Kino kikulaakulanya nnyo eby'enfuna by'abantu ku bwabwe, era kiyamba n'abasuubuzi abato okufuna ensimbi ez'okukozesa mu bizinensi zaabwe.

Amalwaliro ga Credivoria, Ebisale, n'Enkola y'Okusaba Akalwaliro

Amalwaliro n'Ebisale

Credivoria ewa akalwaliro ak'omuntu ku bwankanya, akataliiko kikakaso. Kino kitegeeza nti tewetaaga kuteekawo kintu kyonna nga ettaka, ennyumba, oba emmotoka nga kikakaso. Ensimbi z'oyinza okwewola zitandikira ku UGX 40,000 okutuuka ku UGX 600,000. Akalwaliro kano kalina ekiseera ky'okusasulamu okuva ku ennaku 70 okutuuka ku ennaku 360. Kino kiwa abantu obusobozi obw'okulonda akaseera akababaganyiza.

Ebisale by'ennyongeza ku nsimbi (interest rates) ku Credivoria bitegeerekeka bulungi. Ebisale by'ennimbalimba eby'omwaka (APR - Annual Percentage Rate) bitandikira ku 40.588% okutuuka ku 116.74%. Ku kalwaliro ka UGX 600,000 mu ennaku 360, eky'okulabirako, APR eba 40.588%. Ebisale bya buli lunaku biba 0.1112%. Kino kikakasa obutaliiko kyakusobya mu by'ensimbi. Credivoria egamba nti tewali bisale byakwekebwa, wabula byonna biba birambikiddwa mu kusaba kw'akalwaliro n'okuwandiika.

Enkola y'Okusaba Akalwaliro n'Ebyetaagisa

Okusaba akalwaliro ku Credivoria kiri kyangu nnyo era kikolebwa ku ssimu y'omuntu. Tewetaaga kugenda mu kafo ka butereevu. Enkola y'okwewola eddira ku bino:

• App ya Credivoria: Omuntu aggya app ya Credivoria okuva ku Google Play Store ku ssimu ye eya Android.
• Obuwandiike bw'Omuntu: Akola akawunti ng'ateekaayo erinnya lye, ennamba y'essimu, n'eby'omuntu ebirala.
• Okukakasa Obuwandiike: Omuntu afotola kaadi ye ey'eggwanga (National ID) n'ekifaananyi kye (selfie) n'abiteeka ku app. Kino kiyamba okukakasa omuntu (KYC - Know Your Customer).
• Ebyetaagisa Ebirala: Wetaaga okuba wakati w'emyaka 18 ne 60. Wetaaga era okuba n'akawunti y'ensimbi ebya ssimu (MTN Mobile Money oba Airtel Money) oba akawunti y'ebbanka.
• Okukebera Ebyafaayo: Credivoria ekola amagezi gaayo aga kompuyuta ag'ekyama okukebera ebyafaayo by'omuntu eby'okwewola, eby'ensimbi ebya ssimu by'akozesa, wamu n'ebirala ebiyinza okumanya obusobozi bw'omuntu okusasula.
• Okufuna Ensimbi: Bw'oba okakasiddwa, ensimbi zitekebwa ku kawunti yo ey'ensimbi ebya ssimu oba ku kawunti y'ebbanka ku bwangu.

App ya Credivoria, Tekinologiya, n'Enkola y'Okukola

Enkola ya Credivoria esingira ddala ku app yaayo eya Android, eyalina abagikozesa abasukka mu 100,000 era n'efuna obubonero obwa 4.7 ku Google Play Store. App eno y'enkola ennene ey'okutuukiriza obutereevu n'obwangu eri abakozesa. App eno erina ebikolebwa eby'enjawulo ebiyamba omukozesa okugoberera akalwaliro ke n'okutegeera bulungi ebyetaagisa.

Ebikolebwa ku App n'Enzizikiza y'Omukozesa

• Okugoberera Akalwaliro: Abakozesa bayinza okugoberera obulungi akalwaliro kaabwe, okumanya ensimbi ezibadde zisasulwa n'ezikyasigaddeyo.
• Okuteekawo Akalenda k'Okusasula: App eyamba abakozesa okuteekawo akalenda k'okusasula akababaganyiza.
• Obubaka Obwangu: Abakozesa bafuna obubaka obwangu obukwata ku kalwaliro kaabwe, nga obubaka obukubiriza okusasula oba obutegeeza nti ensimbi zibadde zitekebwa.
• Enzizikiza Ennyangu: App erina enkola ennyangu era ennyonjo, ekiragira omukozesa okuyita mu nkola y'okusaba akalwaliro awatali buzibu.

Credivoria ekola n'amagezi gaayo ag'ekyama okukebera abasaba akalwaliro. Tekinologiya guno gukebera ebyafaayo by'ensimbi ebya ssimu, ebyafaayo by'essimu y'omuntu, n'engeri gye yeeyisa ku app, okusobola okumanya obusobozi bw'omuntu okusasula n'okumulagirira ensimbi z'ayinza okwewola. Obubaka bw'omuntu buterekebwa mu ngeri ey'ekyama (data encryption) okukakasa obukuumi.

Enkola y'Okufuna n'Okuddiza Ensimbi

Okufuna ensimbi ku Credivoria kuli kwangu nnyo. Ensimbi zitekebwa ku kawunti y'ensimbi ebya ssimu (MTN Mobile Money oba Airtel Money) oba ku banka y'omuntu. Ku by'okuddiza ensimbi, Credivoria ekola bino:

• Obubaka obukubiriza: Esendeka SMS n'obubaka ku app okujjukiza abantu okusasula.
• Okuggya ensimbi ku kawunti: Abakozesa bayinza okukkiriza Credivoria okuggya ensimbi ku kawunti yabwe ey'ensimbi ebya ssimu.
• Okukozesa abaakungaanya ebanja: Ku bakozesa abatalina busobozi kuddiza ensimbi, Credivoria eyinza okukozesa abantu abakungaanya ebanja.

Ekiragiro kya Gavumenti, Ekifo mu Katale, n'Abaakuggulirawo

Ekiragiro kya Gavumenti

Credivoria ekolera mu Uganda, n'olwekyo erina okugoberera amateeka n'ebiragiro bya Uganda Microfinance Regulatory Authority (UMRA). Wadde nga mu March wa 2022 tewali bukakafu nti yali yawandiisibwa mu nkola ya UMRA ey'amalwaliro agafuna ensimbi ezitaba za banka (non-deposit-taking institutions), kigambibwa nti erina okufuna obuwandiike obwa Tier 4 mu biseera eby'omu maaso. Kino kikakasa nti ekola mu ngeri ey'obutuufu era egumira amateeka g'eggwanga. Credivoria era erina obukulembeze obukwata ku kukuuma obubaka bw'abantu (data protection) n'enkola z'okwewola ensimbi mu ngeri ey'obuvunaanyizibwa.

Ekifo mu Katale n'Abaakuggulirawo

Credivoria y'emu ku kampuni ezisinga okukula mu by'ensimbi ebya digito mu Uganda. Mu katale k'okwewola ensimbi ku ssimu, erina abaagikugulirawo abangi nga Tala, Branch, Okash, ne M-Kopa. Wabula, Credivoria y'esalirawo engeri ez'enjawulo:

• Ensimbi entono: Ewa akalwaliro akatono ennyo (UGX 40,000) okusinga ku bakugulirawo abasinga obungi.
• Obutaliiko kyakusobya: Eteekawo ebisale byayo byonna mu butereevu, naddala ebisale by'ennimbalimba eby'omwaka (APR).
• App ennyangu: App yaayo ennyangu okukozesa (user-friendly UI) era eyagala abantu abangi.

Wadde nga obukakafu bw'ekitundu kya Credivoria mu katale butali bwa bulijjo, eri mu ggiro ly'emboozi ezisinga okwogerwako mu by'okwewola ensimbi ku Google Play Store mu Uganda. Kino kiraga nti abantu bangi bagikozesa era bagikwagala. Kampuni eno yatandika okufulumira n'awalala nga Tanzania mu September wa 2025, ng'erina n'ekigendererwa eky'okukula mu mawanga amalala nga Kenya ne Nigeria.

Ebyafaayo by'Abakozesa n'Amagezi Ag'Omugaso

Endowooza z'Abakozesa

Abakozesa ba Credivoria abasinga obungi bafudde endowooza ennungi ku app yaabwe ku Google Play Store, nga bamuwa obubonero obwa 4.7. Abantu abasinga obungi baloga Credivoria olw'okuba nti ewa akalwaliro k'amangu nnyo n'engeri ennyangu ey'okusaba akalwaliro. Baloga era enkola yaayo ey'obuteerevu mu kuteekawo ebisale n'obukulembeze bwonna.

Wabula, ng'amalwaliro g'ensimbi ku ssimu amalala, abamu bakomawo n'ensonga z'ebisale ebya waggulu ku malwaliro amato era ag'akaseera akatono. Kino kiba kituufu kubanga amalwaliro ag'engeri eno galina obuzibu obwa waggulu. Credivoria erina n'abaakwasaganya obukulembeze bw'abakozesa ku ssimu, nga balina ennamba ya ssimu (+256 707 628 465) n'eya WhatsApp (+256 760 073 991) okuyamba abakozesa.

Amagezi Ag'Omugaso eri Abayimba Okwewola Akalwaliro

Eri abantu abalaba Credivoria ng'eky'okukozesa okufuna ensimbi, kino kyawagala okwetegereza bino:

• Wetegeke Obulungi: Kakasa nti olina kaadi y'eggwanga (National ID) entuufu, ennamba y'essimu, n'akawunti y'ensimbi ebya ssimu.
• Soma Ebisale: Soma obulungi ebisale byonna, omuli eby'ennyongeza ku nsimbi (interest) n'ebisale by'ennimbalimba eby'omwaka (APR), nga tonnakkiriza kwewola. Kakasa nti otegeera obulungi ensimbi z'ogenda okusasula.
• Londa Akaseera Akakutuukira: Londa akaseera ak'okusasulamu akababaganyiza obusobozi bwo. Tewerwalira ensimbi z'otayinza kuddiza.
• Kozesa Akalwaliro mu Ngeri ey'Obuvunaanyizibwa: Akalwaliro k'amangu kayinza okuba ak'omugaso nnyo eri ebyetaagisa eby'amangu, naye kakase nti okakozesa mu ngeri ey'obuvunaanyizibwa, gamba ng'okuteeka mu bizinensi oba okusasula ebyetaagisa eby'omugaso.
• Obutalina Kikakaso: Jjukira nti akalwaliro kano kataliiko kikakaso, naye kiba kyakusibira mu byafaayo byo eby'okwewola. Obutasasula kuyinza okukuleetera obuzibu obw'okwewola mu biseera eby'omu maaso.
• Enzizikiza ku App: Kozesa bulungi ebikolebwa ku app okugoberera akalwaliro ko n'okuteekawo akalenda k'okusasula.

Credivoria ewa abantu abangi mu Uganda obuyambi bw'ensimbi, naddala mu biseera eby'amangu. Naye ng'ekintu kyonna ekikwata ku nsimbi, kiyinza okuba ekirungi oba ekibi okusinziira ku ngeri gye kikozesebwamu. Okumanya obulungi n'okufuna amagezi kulina okubeera ku muwanga gw'okusalawo.