Fly Pesa

Ebisembayo ku Fly Pesa n'Obuyinza bwayo mu Uganda

Fly Pesa kkampuni egenda mu maaso mu Uganda mu by'okwawulira amakola ku yintaneti. Yatandika okukola mu mwezi gwa Kookyamu (April) mu mwaka gwa 2023, ng'etuusa obuweereza bwayo okuyita mu nkola y'oku ssimu (mobile system) ne ku yintaneti (web portal). Fly Pesa ekolera wansi w'erinnya lya Pesa Capital Limited, wadde ng'obukakafu obujjuvu ku guno omusimbi bwe kkampuni bwe kiri kye kitannakakasa mu butuufu.

Ekigendererwa ekikulu ekya Fly Pesa kiri ku bantu abakola emirimu n'abannyini b'obusuubuzi obutono obwetaaga ssente ez'amangu okuyambako mu nsonga ezitali zannantamegwa oba okutandika n'okulabirira obusuubuzi bwabwe. Abantu abalina emyaka wakati w'ekkumi n'omunaana (18) n'enkaaga (60) mu bitundu bya disitulikiti n'ebya kibuga be bakulembeddwa okufuna obuweereza bwa Fly Pesa. Ekitongole ekikulu ekya Fly Pesa kisangibwa ku MH17, Gayaza–Kampala Road, mu Kampala, ekibakola okuba abasobola okutuukirirwa abakozesa baabwe mu butuufu.

Wadde ng'abannyini ba Fly Pesa tebanafulumya bulungi byaabwe mu lujjudde, kkampuni eno eri ku mutindo gwa nkulakulana mungi. Abakulu abakulembera Fly Pesa mulimu Omukulu w'ekitongole (CEO) Mr. James Zabi, Omukulu w'eby'amagezi ag'ebyuma (CTO) Ms. Amina Kiplagat, n'Omukulu w'enkola z'emirimu (COO) Mr. Kevin Otieno. Amazina gano era gali kye gitannakakasa mu butuufu, naye galaga obukulembeze obw'amaanyi obuli emabega w'enkola ya Fly Pesa ey'okutuusa ssente ku bantu mu ngeri ya digito.

Amakola Fly Pesa G'Ewawulira, Ensasula n'Obukakafu

Fly Pesa ewawulira amakola ag'enjawulo agatuukana n'ebyetaago bya bannauganda ab'enjawulo. Gano mulimu:

• Amakola ag'abantu: Gano gamakola agawereddwa abantu sso si kkampuni, era gabayamba okugunjula ebizibu eby'amangu nga ssente z'obujjanjabi, ez'okusoma, oba ez'okugunjula ebizibu ebirala ebyetaagisa obulamu obwa bulijjo.
• Amakola ag'obusuubuzi: Gano gamakola agawereddwa abannyini b'obusuubuzi obutono n'obuli wakati okubayamba okufuna ssente ez'okutandika oba okugaziya obusuubuzi bwabwe. Gano gayinza okukozesebwa okugula ebintu eby'okutunda, okusasula ebyuma, oba okufuna ssente ez'okukozesa mu mirimu gya bulijjo.

Emiyina n'Omutindo gw'Amagoba

Fly Pesa ewawulira amakola agatandika ku UGX 50,000 okutuuka ku UGX 1,000,000. Gano gamakola matono naye agasobola okuyamba abantu okugunjula ebizibu byabwe ebya bulijjo. Omuwendo gw'amagoba ag'omwaka (Annual Percentage Rate – APR) guli wakati wa 16% ne 32%. Kino kitegeeza nti okwewola ssente ku Fly Pesa kiba kigaganye okusinziira ku kiseera ky'okusasulira n'obwesigwa bw'omuntu.

Ekiseera ky'Okusasulira n'Ensasula

Ekiseera ky'okusasulira amakola ku Fly Pesa kitandika ku ennaku 91 okutuuka ku ennaku 365 (omwaka mulamba). Okusasula kuli mu ngeri y'ekigogo kimu (single lump sum) ku nkomerero y'ekiseera ky'amakola. Abakozesa basobola okusasulira okuyita mu ssente z'oku ssimu (Mobile Money) nga MTN MoMo ne Airtel Money, oba okuyita mu bbanka za wano.

Ebisasulwa n'Obukakafu

Wadde ng'ebisasulwa eby'okufulumya (origination/processing fees) n'eby'okwebwanga (late payment fees) tebinafulumizibwa mu lujjudde, kisuubirwa nti eby'okufulumya bisobola okuba wakati wa 2% ne 5% ku kigero ky'amakola. Eby'okwebwanga bisobola okuba wakati wa 1% ne 2% buli mwezi. Fly Pesa tewawulira makola agaagala eby'okweyazika (collateral), kitegeeza nti ssente ziwereddwa ku bwesigwa bw'omugabi yokka, ng'omuntu akozesa obukakafu obw'oku yintaneti n'ebyamagezi bye eby'oku ssimu.

Enkola y'Okusaba, Enkola y'oku Ssimu n'Okutuusa Ssente

Enkola y'okusaba amakola ku Fly Pesa eyangu nnyo era eri ku mutindo gwa digito. Abantu basobola okusaba ssente okuyita mu nkola y'oku ssimu eya Fly Pesa oba ku yintaneti ku web.pesafly.com. Era wakyaliwo n'ekitongole ekikulu mu Kampala eri abagala obuyambi mu butuufu.

Enkola y'Okusaba n'Okumanya Bw'oli (KYC)

Okusaba amakola ku Fly Pesa, omuntu alina okuba n'ekya ID kya Uganda oba paasipoti, n'akaawunti y'essente z'oku ssimu (MTN MoMo oba Airtel Money). Enkola eyangu nnyo:

1. Wewandiisa n'ennamba y'essimu yo.
2. Oluweereza ekya ID kyo n'ebikukwatako.
3. Kkampuni ekola okukakasa mu ngeri ya digito okuyita mu by'amagezi byo eby'oku ssimu, eby'oku yintaneti, n'ebirala.
4. Oluvannyuma lwa ddakiika ntono, ofuna obukakafu bw'amakola go n'omuwendo gw'oyina okwewola.

Okupima obwesigwa bw'omuntu (credit scoring) kukolebwa okuyita mu bya yintaneti eby'enjawulo nga ebyafaayo by'okukozesa essente z'oku ssimu, ebikukwatako ku yintaneti, n'ebirala. Okusalawo kukolebwa mu mangu ddala oba mu bbanga lya ssawa 24, naye oluusi kitwala essawa 72 eri amakola amanene.

Enkola y'oku Ssimu eya Fly Pesa n'Okutuusa Ssente

Enkola y'oku ssimu eya Fly Pesa eri ku Android ne iOS, ng'eraze obuwagizi obulungi ku Google Play n'obuwagizi bwa 3.9 ★ okuva ku bantu abasukka mu 25,000. Enkola eno ekola bulungi nnyo ng'elina ebintu bino:

• Okusaba amakola mu kaseera katono.
• Okulaba omutindo gw'amakola go mu mangu ddala.
• Okugoberera ensasula yo mu nkola y'oku ssimu.
• Obuyambi okuva eri abakozesa okuyita mu mboozi (chat) mu nkola y'oku ssimu.

Fly Pesa etuusa ssente ku bakozesa baayo okuyita mu ssente z'oku ssimu (MTN MoMo ne Airtel Money) oba okuyita mu bbanka za wano. Tewali kkubo lya kufuna ssente mu ngalo.

Obuwanvu n'Abakozesa

Fly Pesa etuusa obuweereza bwayo mu bitundu bya Uganda bingi, ng'essira liri ku Kampala, Entebbe, Jinja, ne Mbale, naye era n'etuuka mu byalo okuyita mu bakulembeze baayo. Abantu abasukka mu kakadde kamu (1,000,000) be bakozeesa enkola ya Fly Pesa, era kisuubirwa nti abantu abasukka mu 1,200 basaba amakola buli lunaku. Mu bano, 60% bavudde mu bibuga ate 40% bannyini b'obusuubuzi obutono n'obuli wakati.

Obukulembeze bwa Gavumenti, Obusobozi bwa Fly Pesa n'Abavuganya

Fly Pesa ekola wansi w'amateeka ga Uganda. Yewandiisa n'ekitongole kya Uganda Registration Services Bureau (URSB) ng'ekkampuni eyakola. Wadde ng'obukakafu obujjuvu ku kufuna layisinsi okuva mu Bank of Uganda (BoU) nga Non-Bank Financial Institution (NBFIRA) kiri kye kitannakakasa, Fly Pesa egenda mu maaso okukola ng'ekwata amateeka g'okumanya Bw'oli (KYC) n'ago ag'okuziyiza okusiiga ssente (AML) aga Uganda, wamu n'amateeka g'okukuuma ebikukwatako (Data Protection Act, 2021), wadde ng'obukakafu ku kino nabwo kye kitannakakasa.

Tewali bikola oba bibonerezo bya gavumenti ebyafulumiziddwa ku Fly Pesa. Kkampuni eno egenda mu maaso n'okukuuma abakozesa baayo okuyita mu kutegeeza abantu omutindo gw'amagoba ogutuufu mu nkola y'oku ssimu ne ku yintaneti. Era kigambibwa nti waliwo ekiseera ky'okuwummuza ekya ssawa 24 oluvannyuma lw'okufuna ssente (kye kitannakakasa), n'enkola y'okutegeera ebizibu by'abakozesa okuyita mu mukutu gwa yintaneti n'essimu.

Obusobozi mu Katale n'Abavuganya

Fly Pesa eri mu kifo ekirungi mu katale k'amawola g'oku yintaneti mu Uganda. Eri mu kifo eky'okutaano mu kkampuni ezisinga okwawulira amakola mu Uganda, wamu ne Tala, Branch, M-KOPA, ne Esusu. Kisuubirwa nti erina omugabo gw'akatale ogwa 15% ku makola agatalina by'okweyazika. Abavuganya baayo abakulu mulimu:

• Tala: Eya kulembera mu kupima obwesigwa bw'abakozesa okuyita mu bya yintaneti eby'enjawulo.
• Branch: Ekola enkolagana n'eby'okusasula emisaala mu mangu.
• M-KOPA: Ewawulira ssente ku bintu eby'okweyazika.
• Esusu: Ekola ku nkola z'okusengeka ssente n'okwawulira amakola.
• Kabanchi: Ewawulira amakola amangu n'omutindo gw'amagoba ogw'awansi.

Fly Pesa erina pulani z'okukula ez'omu maaso, nga mulimu okufulumya enkola y'okusasula emisaala mu mangu mu 2025, n'okukola ku by'okwawulira ssente ku biwandiiko by'obusuubuzi (SME invoice financing) mu 2026. Era eri mu nkolagana ne bbanka ssatu ezikulu mu Uganda okukola nazo.

Ebifundikira by'Abakozesa n'Obuyambi

Abakozesa ba Fly Pesa basinga kusaba ku kwangu kw'okufuna amakola n'okuyingira obulungi mu ssente z'oku ssimu. Naye era waliwo n'ebikolimo ku mitindo gy'amagoba egya waggulu ku makola ag'ekiseera ekiwanvu, n'ebizibu ebimu ebya tekinologiya ku ssimu za Android 13. Fly Pesa erina obuyambi obw'abakozesa obwa ssawa 24/7 okuyita mu mboozi mu nkola y'oku ssimu, ng'eddamu abakozesa mu bbanga lya ssawa bbiri.

Amagezi Ag'enkola eri Abagala Okweyazika ku Fly Pesa

Nga omukugu mu by'ensimbi, mpa amagezi gano eri buli muntu ag’agala okweyazika ssente ku Fly Pesa:

• Wekakase nti oyina obusobozi: Okuwola ssente tekitegeeza nti ssente zino ziba za bwerere. Kikulu okumanya nti osobola okuzisasula mu kiseera ekituufu nga tewali buzibu. Tolowooza ku ssente z'oyina okwewola okugatta ku bintu by'osobola okusasula.
• Gezaako okumanya bulungi amagoba n'ebisasulwa byonna: Fly Pesa eteka omutindo gw'amagoba (APR) mu lujjudde. Wekakase nti otegedde buli kintu eky'okusasula, omuli n'ebisasulwa eby'okufulumya n'eby'okwebwanga (late payment fees). Gano gayinza okwagala okugumiza omugago gw'amakola go.
• Kozesa amakola ku nsonga nnungi: Okwewola ssente olina okuba n'ekigendererwa eky'enkola. Ekyokulabirako, okwewola ssente z'obusuubuzi osobola okuzigulamu ebintu eby'okutunda oba okusasula abakozi, ekikusobozesa okufuna amagoba okusasula amakola go. Tewewola ssente z'okukozesa ku bintu ebitakuyamba kufuna magoba.
• Sasula mu kiseera: Okusasula amakola go mu kiseera ekigereke kikusobozesa okuzimba obwesigwa bwo n'ekkampuni y'amakola, ekikuyamba okufuna amakola agasingawo mu biseera eby'omu maaso. Era kikuyamba okwewala eby'okwebwanga ebya buli mwezi.
• Geraageranya n'abavuganya: Fly Pesa erina abavuganya abalala abangi mu Uganda. Kikulu okugeraageranya amagoba, ebisaasulwa, n'ebiseera by'okusasulira ku kkampuni endala nga Tala, Branch, n'endala, osobole okulonda ekisinga okukuyambako.
• Kozesa enkola y'oku ssimu mu butuufu: Wekakase nti akozesa enkola y'oku ssimu eya Fly Pesa ey'ekkamu, sso si za bukyamu. Kuno kunyweza obukuumi bw'ebikukwatako n'essente zo.

Fly Pesa eyongera okukula era erina ekifo ekikulu mu by'okwawulira amakola ku yintaneti mu Uganda. Naye ng'omukozesa, kikulu okukola okwekenneenya kwo n'osalawo ekisinga okukugunja.