ManguCash

Mangucash: Ekitongole Kyennyini n'Ebyafaayo Byakyo mu Uganda

Mangucash kkampuni ey'amangu mu kuwola ensimbi ku ssimu mu Uganda, eyakulembedde mu kuweereza obuweereza bw'ensimbi nga bwangu era nga butaliiko buyinza bungi. Ekitongole kino kikolera wansi wa Volantis Co. Ltd., era nga kyafunira layisinsi okuva eri Uganda Microfinance Regulatory Authority (UMRA) wansi w'omuwendo ML2221. Adiresi yaabwe enkulu eri mu Kololo Courts, P.O. Box 33913, Kampala.

Mangucash yatandikibwawo mu mwaka gwa 2023, era nga kkampuni ya Volantis Co. Ltd. yeennyini y'egitunze mu bujjuvu, ekitegeeza nti kkampuni eno eri mu mikono gy'Abauganda. Enkola yaabwe ey'emirimu egisimba ku kuwola bbafuna ensimbi ezitaliiko kikwata okuyita ku pulogulaamu z'essimu n'emikutu gya yintaneti, okuwa abantu abakulu mu Uganda (abali wakati w'emyaka 18 ne 63) abafuna emisaala oba abakola mu mirimu egy'ekyeyo (informal sector) ensimbi mu bwangu.

Abakulembeze ba Mangucash, okusinzira ku byawandiikibwa, kuliko Ronald Egesa ng'akulira ekitongole (CEO), wadde nga kino tekinakakasibwa butereevu, ne Milly Nabukeera ng'akulira emirimu (COO) era ng'ono y'omukulu w'amateeka mu Volantis Co. Ltd. Akulira eby'obulabe n'okukebera ebiyinza okuleeta obulabe (Head of Risk & Underwriting) talangiriddwa mu butereevu. Enkola ya Mangucash ey'okutandikawo mu 2023 ekiraga nti bagenda maaso n'okukula mu bwangu mu katale k'ebyensimbi ez'oku ssimu mu Uganda, nga balina ekigendererwa eky'enjawulo ku kufuna ssente mu bwangu eri abantu abalina ebyetaago eby'amangu.

Emmiga gy'Ebbankizo, Amagoba, Ebisale n'Ebiragiro bya Mangucash

Mangucash ewa ebbankizo z'enjawulo, nga zonna zireetera abantu okufuna ssente mu bwangu nga tebalina kikwata kyonna kye bateekawo. Emmiga gino girimu:

• Ebbankizo y'Ensimbi: Zino z'ebbankizo ez'olusa olumpi ezitaliiko kikwata, ezaabwe eri omuntu yenna.
• Ebbankizo y'Obusuubuzi (eky'okugezesa): Eno eri ku mutendera gw'okugezesa, era ng'awa abasuubuzi abakola mu mirimu egy'ekyeyo (informal traders) ebisaanyizo okufuna ebbankizo ezibayamba okwagazisa bizinensi zaabwe. Kino kikyali kikuteekateeka.

Emigabo gy'Ensimbi n'Amagoba (Amounts and Interest Rates)

Ebbankizo z'oyinza okufuna ku Mangucash ziri wakati wa UGX 60,000 ng'enkomerero esukka, n'okutuuka ku UGX 400,000 ng'enkomerero esinga obunene eri ebbankizo z'omuntu yenna. Ebbankizo y'obusuubuzi ekyali mu nteekateeka ey'okugezesa, eyinza okutuuka ku UGX 1,000,000 ng'enkomerero esinga obunene.

Amagoba (APR - Annual Percentage Rate) ku Mangucash gayawukana okuva ku 15% okutuuka ku 52%. Amagoba gano gasalibwawo okusinzira ku buyinza bw'omuwoli n'obudde bw'ebbawola (tenor). Kino kitegeeza nti omuntu alina obuyinza obulungi bw'okuwola oba atwala ebbankizo ku bbanga ddene, ayinza okufuna amagoba amatonotono.

Ebiragiro n'Okusasula (Terms and Repayment)

Obudde bw'okuwola ku Mangucash buli wakati w'ennaku 91 okutuuka ku nnaku 365 (ennaku 91–365). Okusasula kiyinza okukolebwa mu ngeri y'ekimu (lump sum) oba mu bitundutundu buli mwezi.

Ebisale (Fees)

Mangucash ebala ebisale bino ku bbawola zayo:

• Ebisale by'obutandikiro (Origination): Bino biri wakati wa 2% ne 5% ku nsimbi enkulu eyawolwa.
• Ebisale by'okukola (Processing): Kiba kisale kya UGX 2,000 eky'ekibalo ekimu.
• Ebisale by'okulwawo (Late Payment): Singa omuntu alwawo okusasula, ayinza okubalibwa ebisale ebiri okutuuka ku 50% ku nsimbi ezaasibuka okusasulwa, okusinzira ku biragiro bya UMRA.

Kyetaagisa okumanya nti Mangucash tewola ssente nga kyetaagisa ekikwata (collateral) ku bbawola z'omuntu yenna ez'obukalamu. Kino kikola ebbankizo zaabwe okuba ennyangu okufuna eri abantu bangi.

Enkola y'Okusaba, Pulogulaamu y'Essimu n'Enkola y'emirimu

Enkola y'okufuna ebbankizo ku Mangucash ya kuyita ku mukono oba ku yintaneti, ng'ekigendererwa kyakwo kuba ku kanguya n'okwanguyiriza abakozesa. Teli ofiisi z'omukono Mangucash gy'ekolera, era obuyambi bw'abakozesa buweebwa ku pulogulaamu y'essimu oba ku kwanjula kwabwe ku yintaneti.

Enkola y'Okusaba (Application Channels)

Okusaba ebbankizo, oyinza okukozesa emikutu gino:

• Pulogulaamu ya Android: Pulogulaamu ya Mangucash eri ku Google Play Store (version 1.1.4). Abakozesa ba Android bayinza okugikolagana okuva eyo.
• Omukutu gwa Yintaneti: Oyinza okuyita ku mangucash.com okusaba ebbankizo.

Okukakasa Abakozesa n'Okutandikawo (KYC & Onboarding)

Bw'osaba ebbankizo, Mangucash eyita mu nkola y'okukakasa omuntu wo (Know Your Customer - KYC) okukakasa obutuufu bw'ebimukwatako:

• Okulagajja namba y'essimu yo.
• Okukakasa National ID (NIN) yo okuyita mu NIRA (National Identification and Registration Authority) API.
• Okukola selfie (ekifaananyi ky'olukuba w'ennyini) okukakasa obuyinza bw'omukozesa.
• Okusoma namba z'abantu bo (contact import) ezili mu ssimu yo.

Enkola y'Okukebera Obuyinza (Credit Scoring & Underwriting)

Mangucash ekola ku nkola ey'obumanyirivu ey'okukebera obulabe (automated risk engine) okusalirawo ku buyinza bw'okusaba. Enkola eno ekebera:

• Ebyafaayo by'okukozesa ssente z'oku ssimu (mobile money transaction history).
• Ebya bbakisi z'essimu (telco data).
• N'engeri gye mukolagana n'abantu bo (social graph metrics) okusinziira ku namba z'abantu ze wakola nazo oba obungi bw'obubaka bwo.

Bw'olaba ebyo, pulogulaamu ekolawo ku mangu okukakasa oba okugana ebbankizo.

Okuweereza Ssente (Disbursement)

Ssente z'ebbawola ziweerezebwa mu bwangu okuyita mu:

• MTN MoMo oba Airtel Money wallets.
• Oba ku akawunti y'ebbanka mu bbanka nnamu mu Uganda.

Okuyigga n'Okuddiza (Collections & Recovery)

Mangucash ekola ku nkola zino okuyigga ebbankizo n'okuddiza ssente:

• Ebubaka obw'obumanyirivu (automated reminders) okuyita mu SMS n'obubaka ku pulogulaamu.
• Okukuba essimu eri ab'oluganda oba ab'amukwano be walagajja ng'omujulizi.
• Bw'oba nga olwawo okusasula okumala ennaku ezisukka mu 30, kkampuni eya Mangucash eyinza okukozesa abaakola emirimu gy'okuyigga ssente ezitali zasasulwa.

Embeera mu Mateeka, Ekifo mu Katale n'Abaakwatagana Nabo mu Mpaka

Mangucash eteekawo amateeka ga Gavumenti agafuga kkampuni z'ebyensimbi mu Uganda. Layisinsi yayo eya UMRA (ML2221) ekiraga nti ekoleddwako okukebera okwenjawulo okukakasa nti ekolera wansi w'amateeka.

Layisinsi n'Okukwasisa Amateeka (Licensing & Oversight)

Nga kkampuni ekola mu kuwola ssente ku ssimu, Mangucash erina layisinsi okuva eri UMRA. Era era eragibwa okutwala lipooti zaayo eri Bbanka ya Uganda wansi w'Amateeka agafuga okuwola ssente ku ssimu (Digital Lending Guidelines) aganaatandika okukola mu December 2024. Mangucash era egondera amateeka ga Consumer Protection Code, agasalirawo nti ekibonerezo ekisukkawo eky'obutasasula tekiyinza kusukka 50% ku nsimbi enkulu. Era bakola ku nkola z'okukakasa obutasabika kwa ssente ezaakwoza (AML/CFT procedures).

Ekifo mu Katale n'Abaakwatagana Nabo mu Mpaka (Market Position and Competitors)

Mangucash eri mu kifo kimu ku by'enkizo mu kkampuni z'okuwola ssente ku ssimu mu Uganda. Kyateeberezebwa nti eri mu kkampuni ezisooka 5 ezisinga okuba n'abakozesa abasinga obungi, era nga eyinza okuba n'omugabo mu katale ogwa 12%, wadde nga kino tekinakakasibwa butereevu. Abakwatagana nabo mu mpaka abakulu kuliko Zenka, Isente, Quicksente, Fair Credit, ne Numida.

Ekya Mangucash ekigitawula ku bakkakane bannaakyo kuliko:

• Okukkiriza amangu: Ebbankizo zikkirizibwa mu bbanga eritagoba essaawa 24.
• Tewali kikwata kyetaagisa: Abawoli tebaagala kikwata kyonna.
• Obudde obuwola obwebisumuluzo: Obudde bw'okuwola buyinza okutuuka ku nnaku 365.

Obumanyirivu bw'oku Pulogulaamu y'Essimu n'Okwanjula ku Yintaneti (Mobile App Experience and Digital Presence)

Pulogulaamu ya Mangucash eri ku Android yafunye obumanyirivu obulungi, n'amagabo agali 4.2/5 ku mikutu egy'enjawulo egigaba pulogulaamu. Pulogulaamu eno erimu ebyetaagisa ebiyamba omukozesa nga kalikyule y'ebbawola, enkola y'okusasula, n'ebyafaayo by'okukola. Wadde ng'ekyalo iOS ekya ssente z'oku ssimu tekinnatandikibwawo, kiri mu nteekateeka z'okuteekebwawo mu 2026. Mangucash era erina omukutu gwayo ku yintaneti (mangucash.com) n'oku Twitter (@Mangu_CashUG).

Obumanyirivu bw'Abakozesa n'Amagezi Ag'omugaso eri Abandyagadde Okwewola

Obumanyirivu bw'abakozesa ku Mangucash bufunye ebirowoozo eby'enjawulo, nga bisinga ku kuba bitereevu n'okubaamu ebirungi ebiwera, naye era n'ebimu ebyetaagisa okukyusibwa.

Ebirowoozo n'Emigabo (Reviews & Ratings)

Ku pulogulaamu ya Android, Mangucash etuukiridde emigabo egya 4.2/5 ku mikutu egy'enjawulo. Abakozesa bangi batendereza nnyo obwangu bw'okufuna ebbankizo n'okuba nti teli kyetaagisa kikwata. Naye, waliwo n'ebiwandiikibwa ebiraga okusanyizibwa eri amagoba agawera (upper APR), obulabe obw'okukola ku pulogulaamu, n'okukubirako essimu mu ngeri ey'okwegwanyiza ebisaanira okuyigga ssente ezaali zakulemwa okusasulwa.

Obuweereza eri Abakozesa (Customer Service)

Mangucash ewa obuweereza eri abakozesa okuyita mu:

• Okwanjula ku pulogulaamu (in-app chat), nga kiyinza okutwala essaawa nga 6 okufuna eky'okuddamu.
• Obubaka bw'omukono (email support) ku [email protected].

Amagezi Ag'omugaso eri Abandyagadde Okwewola

Nga munoonyereza ku by'ensimbi, nkwongera amafumu eri abo abandyagadde okwewola okuva ku Mangucash:

1. Geza ku Nsimbi zo: Bw'oba osaba ebbankizo, kakasa nti osobola okugisasula mu budde obuteereddwawo. Wewole ebyo by'osobola okusasula.
2. Manya Amagoba n'Ebisale: Soma obulungi ebiragiro byonna ebya Mangucash, okumanya amagoba n'ebisale byonna ebinaabalirwa ku bbawola yo. Amagoba agawera ag'okutuuka ku 52% gaba manene, n'olwekyo manya bulungi ky'osasula.
3. Kozesa Pulogulaamu Bulungi: Kozesa pulogulaamu y'essimu okukebera ebyafaayo by'ebbawola yo, okuteekateeka okusasula, n'okusaba obuyambi singa kiba kyetaagisa.
4. Wewale Okulwawo Okusasula: Ebisale by'okulwawo birikwata obuwola bwo obusooka n'okubyongerako. Kakasa nti osasula mu budde obuteereddwawo okwewala ebisale eby'okwongezebwa.
5. Manya Enkoka z'Okuyigga: Ng'omuwoli, manya nti Mangucash ekuba essimu eri ab'oluganda lwo oba ab'omukwano singa olwawo okusasula. Teekateeka bulungi n'abantu bano.
6. Geza ku Enkola Z'eby'ensimbi: Mangucash ewa obwangu, naye era gezaako okugeraageranya n'enkola endala ez'okuwola eziri mu katale mu Uganda okukakasa nti ofunye ebbankizo esingako obulungi eri ebyetaago byo.

Mangucash ye kkampuni ey'omugaso eri abantu mu Uganda abalina ebyetaago by'ensimbi eby'amangu. Naye, ng'enkola yonna ey'ebyensimbi, kyetaagisa okubeera omwegendereza n'okumanya obulungi ebiragiro byonna n'ebisale byonna obutaziyizibwa mu nteekateeka zo ez'ebyensimbi. Essomero lino lyawadde ebirimu ebyateeberezebwa era n'ebyo ebikyali tebikakasibwa okusinziira ku lipooti ez'oku yintaneti n'ebiteeberezebwa mu kkampuni ez'ebyensimbi. Abakozesa bakubirizibwa okukakasa ebyetaagisa byonna butereevu ne Mangucash.