Grizzly

Ennyanjula Y'ekkampuni ne Ebyafaayo mu Uganda

Grizzly Cash kkampuni eyatandikibwawo mu Uganda, ng'ekolera wansi w'erinnya lya Grizzly Mobile Ltd. Yagyayo obuweereza bwayo mu myaka gya 2021 ne 2022, nga kkampuni eno eyawagira abantu b'omu Uganda abali mu bwakolera obw'enjawulo okufuna ensimbi ez'obuyambi ku ssimu zaabwe. Enkola ya Grizzly Cash esingira ddala ku kuwola ensimbi ezitayamba, ekitegeeza nti tewali ky'okutekawo kyetaagisa ku lw'omuwoli, ekintu ekisanyusa abantu bangi mu ggwanga lino.

Ekigendererwa ekikulu ekya Grizzly Cash kiri ku kutuuka ku bantu ab'enjawulo; abakozi abasasulwa emisaala naye nga tebalina byafaayo biggumivu bya bbanka, abasuubuzi abato abeesibye ku bujjajja obutono obwetaaga ensimbi ez'amangu, n'abamu ku bayizi abetaaga ensimbi ez'akaseera akatono okubayamba mu misomo gyabwe. Newankubadde ebikwata ku bakulembeze ba kkampuni eno n'eyali nnannyini yayo tebinnabikibwa mu butongole, kkampuni eno ekyagenda mu maaso n'okukola ebyayo mu ngeri ey'okuwola ensimbi ku ssimu.

Kkampuni eno ekoseza enkola ey'okuwola ensimbi ng'ekozesa essimu ez'amagezi, ekisobozesa omuntu okusaba n'okufuna ensimbi amangu ddala okuva wonna w'ali, obanga alina essimu n'internet. Kino kigiyambye okutuuka ku bantu abangi mu bifo by'omu bibuga n'ebibuga ebitono mu Uganda.

Enkola Z'okuwola Ensimbi ne Obuweereza bwa Grizzly

Grizzly Cash ekiriza abantu okufuna ensimbi ez'enjawulo okusinziira ku bwetaavu bwabwe. Wano waliwo enkola ezimu ez'okuwola ensimbi z'ewola:

• Ensimbi ez'Amangu (Quick Loans): Zino ziri wakati wa ssente za Uganda 100,000 ne 2,000,000. Zisasulwa mu bbanga lya nnaku ezitasukka 120. Zino zibereera ddala ku bantu abetaaga ensimbi okwanguyiriza obwetaavu obw'amangu.
• Ensimbi ez'Okusaasula mu Biseera (Installment Loans): Zino ziri wakati wa ssente za Uganda 200,000 ne 3,000,000. Zisasulwa mu bbanga lya nnaku ezitasukka 360. Zino zirungi ku bantu abetaaga ensimbi nnyingi okugaziya bizinensi zaabwe oba okukola ebintu ebyetaaga ensimbi nnyingi.
• Ensimbi z'Abayizi (Student Loans): Zino ziri wakati wa ssente za Uganda 50,000 ne 1,000,000. Zisasulwa mu bbanga lya nnaku ezitasukka 100. Zino ziteereddwawo okuyamba abayizi okufuna ensimbi ez'akaseera akatono okubayamba mu misomo gyabwe.
• Ensimbi za Grizzly Cash-Safe (Grizzly Cash-Safe Loan): Zino ziri wakati wa ssente za Uganda 300,000 ne 3,000,000. Zisasulwa mu bbanga lya nnaku 120 okutuuka ku 360. Enkuguta y'amagoba ag'omwaka (APR) eri wakati wa bitundu 12% ne 36%. Amagoba ag'omwezi gali wakati wa bitundu 1% ne 3%.

Amagoba n'Ensimbi Ezisaba

Enkuguta y'amagoba ag'omwaka (APR) ku biwola bya Grizzly Cash ekyuka okusinziira ku kika ky'okuwola n'omuntu alina okuwola. Amagoba ag'omwaka gali wakati wa bitundu 12% ne 36%, ate amagoba ag'omwezi gali wakati wa bitundu 1% ne 3%, ng'enkola y'okusasula egendera ku ssente ezikyasigaddeyo (reducing-balance basis).

Ku nsimbi ezisaba (fees), Grizzly Cash tebinnabikibwa mu butongole. Naye, kigambibwa nti waliwo ensimbi ezisaba ku kutandika okw'okuwola (origination/processing fee) ezisobola okuba wakati wa bitundu 2% ne 5% ku bungi bw'ensimbi eziwoleddwa. Ku nsimbi ezisasulwa oluvannyuma lw'ekiseera, abawola balumbye nti basasula ekitundu 1% okutuuka ku 2% buli lunaku olw'okweyongerayo. Ky'amagezi okusoma obulungi amateeka n'ebisanyizo byonna nga tonnawola.

Ekintu ekirala ekisanyusa abantu kwekuba nti Grizzly Cash tewetaaga ky'okutekawo (collateral) oba omuntu akujulira (third-party guarantees). Ensimbi zino zibaawo awatali ky'okutekawo, nga zisibuka ku kubazibwa kwa ndugasi y'eggwanga (National ID) ne obukakafu bw'ensimbi z'ofuna.

Enkola Y'okusaba Ensimbi n'Ebyetaagisa, n'Enkola ya App ku Ssimu

Okusaba ensimbi okuva ku Grizzly Cash kwanguyiriziddwa okuyita mu pulogulaamu yaabwe ku ssimu (mobile app). Kino kye kikola ng'ekkubo lyabwe ekkulu ery'okusabirako, kubanga tebalina mukutu ku yintaneti (website) gukola oba amayumba g'obuweereza ag'omubiri.

Enkola y'Okusaba n'Okufuna Olukusa

Enkola y'okuwandiisa n'okusaba (KYC & Onboarding) ya njawulo era yaangu:

• Ebyetaagisa: Oteekwa okuba n'endugasi y'eggwanga (National ID) oba paasipoti.
• Enkola: Ojja kukuba ekifaananyi ky'endugasi yo oba paasipoti yo, n'ofuna n'ekifaananyi ekya selfie. Pulogulaamu ekyetegereza obutuufu bw'endugasi yo okuyita mu nkola ey'ebyuma (automated identity verification). Enkola eno etwala obudde obutakka wansi wa ddakiika 15.

Okubazibwa kw'Ensimbi n'Okukakasa

Grizzly Cash ekozesa enkola yayo ey'okubazibwa kw'ensimbi (proprietary algorithm) okumanya oba omuntu ayinza okuwola. Enkola eno etunuulira ebikwata ku ndugasi y'eggwanga, ebyafaayo by'ensimbi z'otambuza ku ssimu (mobile money transaction history) ng'omuwoli akkiriza, n'ebikwata ku bulamu bwo obw'olukale (social data - kyokka kino tekikkakasiddwa). Okusalawo oba ofunye olukusa okukola ekintu kutwala akaseera katono, okuva ku kaseera kamu okutuuka ku ssaawa emu.

Enkola z'Okufuna Ensimbi

Bw'ofuna olukusa, ensimbi zitekebwawo mangu ddala ku:

• Ensimbi ku Ssimu (Mobile Money): MTN Mobile Money ne Airtel Money.
• Okutambuza Ensimbi mu Bbanka (Bank Transfer): Mu bbanka enkulu ez'omu Uganda nga Stanbic ne Equity.

Endabika y'okufuna ensimbi mu ngalo (cash pickup) yaliwo naye nga tegikyawulirizibwa.

Pulogulaamu ya Ssimu (Mobile App) n'Ebikolwa Byayo

Pulogulaamu ya Grizzly Cash yaliwo ku ssimu za Android, naye yaggyibwawo okuva ku Google Play mu Gwekkumi n'ebiri, 2023, olw'ensonga z'obutawuliriza mateeka. Pulogulaamu eno tennawandiisibwa ku ssimu za iOS. App eno erina ebintu bingi ebirimu okuyamba omukozesa:

• Okubala ensimbi z'osaba (loan calculator).
• Okukola enteekateeka y'okusasula (repayment scheduler).
• Ebyafaayo by'okuwola ensimbi (loan history).
• Ekiruubirirwa ky'okwogera n'abayambi b'abakozesa (customer support chat - kyokka kino tekikkakasiddwa).

Newankubadde ng'eri ku ssimu za Android ezitamu, abantu bamanyi okukozesa pulogulaamu eno kubanga yaangu era eyanguwalamu. Kyokka, abamu balumbye nti app egwa ku ssimu ezikaddiye, era n'okutuukirira abayambi b'abakozesa kiyinza okuzibu.

Ekiragiro kya Gavumenti, Obuweereza bw'Abakulembeze, n'Okugeraageranya ne Bakkansala

Okukola mu ggwanga lya Uganda ng'ewola ensimbi, kkampuni eya Grizzly Cash yandibadde yafulumya layisinsi okuva mu Banka ya Uganda (BoU) wansi w'amateeka agafuga amakampuni agawola ensimbi ezitali za bbanka (Microfinance Deposit-Taking Institutions Act). Naye, okutuusa kati, Grizzly Cash ekyakola awatali layisinsi ekakasa okuva mu BoU, ekintu ekireetawo ebibuuzo ku butuufu bw'amateeka bwayo.

Kkampuni eno egamba nti egoberera amateeka agafuga ebikwata ku bantu (Data Protection and Privacy Act 2019), naye tennabikulawo nkola yonna ekakasa kino. Ate era, egamba nti enkola zayo eza Anti-Money Laundering (AML) ne Know Your Customer (KYC) zikwatagana n'ebiragiro bya BoU, kyokka tewali bukakafu bwa bwekebejja bulagiddwa mu butongole.

Ebifundikizo by'Abakozesa n'Ekifo mu Katale

Ebifundikizo by'abakozesa ku Grizzly Cash bitabudde. Abamu batenderezza pulogulaamu eno olw'obwangu bw'okusaba n'okufuna ensimbi amangu ng'oyitira ku ndugasi y'eggwanga yokka (nga Nyongesa Sande bwe yawandiika mu Gwekkumi n'olumu 2025). Abamu (nga Pesasave bwe yategeeza mu Gwekkumi n'omukaaga 2024) bagamba nti amagoba gaayo ga njawulo n'amateeka gaayo ga bulijjo, naye bali batongozza eby'okufuna ensimbi bikalubya.

Ebiba bibalukanya abakozesa kuliko pulogulaamu egwa ku ssimu za Android ezikaddiye, okuzibu okutuukirira abayambi b'abakozesa, n'okukwatibwako kw'ensimbi ezitambuzibwa mu bbanka.

Mu katale k'okuwola ensimbi ku ssimu mu Uganda, Grizzly Cash kirabika erina ekitundu ekitono ekibala wansi wa bitundu 2%. Bakkansala bayo abakulu kuliko Ok Loan, Quick Sente, Sunlit Loan, UCredit, ne Mangu Cash. Grizzly Cash yeeyawulako bakkansala bayo olw'ensimbi z'ewola ezisingako obungi (okutuuka ku ssente za Uganda 3,000,000) n'enkola y'okukendeeza amagoba ku bawola abaddamu okuwola.

Amagezi Ag'omugaso eri Abayini Bw'okuwola Ensimbi

Nga muntu asaba ensimbi okuva ku kkampuni nga Grizzly Cash, kiba kya mugaso okutegeera obulungi ebikwata ku buweereza bwayo. Wano w'oli amagezi ag'omugaso:

• Soma Amateeka n'Ebisanyizo: Bulijjo soma obulungi amateeka n'ebisanyizo byonna nga tonnakkiriza kuwola. Kimanye obungi bw'amagoba n'ensimbi ezisaba zonna.
• Kimanya Ensimbi Z'oyinza Okusasula: Wola ensimbi z'omanyi nti oyinza okusasula mu bbanga eriteereddwawo. Obutakasasula kiyinza okuleeta ebibonerezo n'okwonoona ebyafaayo byo eby'ensimbi.
• Wetegereze Layisinsi: Kiba kirungi okumanya oba kkampuni ewola ensimbi erina layisinsi ekakasa okuva mu Banka ya Uganda. Kino kikuyamba okukakasa nti oteeka ensimbi zo mu kkampuni ekola mu butuufu.
• Gerageranya ne Bakkansala: Buli kiseera gerageranya Grizzly Cash ne kkampuni endala ezawola ensimbi mu Uganda. Laba amagoba, ensimbi ezisaba, n'amateeka gonna ag'enjawulo, olabe ekikusingira obulungi.
• Fuba Okutuukirira Abayambi: Bw'oba olina ekibuuzo oba ekizibu kyonna, fuba okutuukirira abayambi b'abakozesa ba Grizzly Cash amangu ddala. Newankubadde ng'ekyo kiyinza okuba ekizibu, fuba okufuna obuyambi obwetaagisa.
• Kozesa Obukugu: Ensimbi zino ziba nnungi okugatta ku bintu eby'omugaso nga okugaziya bizinensi entono oba okuyamba mu bintu eby'amangu. Tokozesa ensimbi zino ku bintu bya butali mugaso.

Mu kifundikizo, Grizzly Cash erina obukugu obuyamba abantu okufuna ensimbi ku ssimu mu Uganda, naye ng'eriko ebibuuzo ebyetaaga okuddibwamu, okusingira ddala ku bikwata ku layisinsi yayo n'okukola kw'app yaayo. Okukozesa obwongo n'okwegendereza kiyinza okuyamba abawola okufuna amakolobozi ag'omugaso okuva ku kkampuni eno.