MoKash

Okwanjula kwa Mokash mu Uganda n'Ebyafaayo byayo

Mokash kintu kya bya nsibmi ekya ssimu ekyafulumizibwa mu Gwekkumi n'ogumu, 2016, olw'okukwatagana wakati wa MTN Uganda, kkampuni ya ssimu, ne Commercial Bank of Africa (CBA) Uganda, bbanka erina layisensi okuweereza abantu. Kino kyatandikibwawo n'ekigendererwa eky'okutuusa obuweereza bw'ensimbi ku bantu abasinga obungi mu Uganda, naddala abo abatali mu nkola z'amabbanka oba abatafuna buweereza bwa nsibmi bumala. Mokash yetuukirira okuyita ku koodi ya USSD (*165#) ku ssimu yonna eya MTN, ng'ekola nga akatale akatono ak'okutereka n'okuyazika ensimbi awatali ky'oteekawo nga akakalu.

Okukwatagana kuno kwafuna obuyambi obw'ekikugu n'ensimbi okuva mu UNCDF’s Mobile Money for the Poor (MM4P) ne PHB Development, okukakasa nti pulatifoomu eno eba ntebenkevu era ey'omugaso. Ekigendererwa kya Mokash kiri kya kusitula okuyingira mu nkozesa y'eby'ensimbi mu bantu, naddala abakyala b'omu byalo, abayizi, abalimi abato, n'abalina bizinensi entono. Kino kye kiseera kyatandika okubawa obusobozi obw'okutereka n'okufuna emyaziiko egyangu, ng'ekola ebintu eby'ensimbi okuba ebyangu okufuna eri buli muntu, n'okukakasa nti abantu abasinga obungi bayingira mu nkola y'eby'ensimbi eya bulijjo.

Okuva lwe yatandika, Mokash ekulidde mu kuweereza emyaziiko egy'oku ssimu mu Uganda, ng'efunye abakozesa akakadde akamu mu bbanga ettono. Kkampuni eno ekozesa obukugu bwa MTN mu kusaasaanya n'obwa CBA mu by'amabbanka okutuusa obuweereza obuggya n'obutebenkevu eri abakozesa bayo. Enkola ya Mokash ey'okuyazika ku ssimu ekola nga n'abaana abato abali ku ssimu basobola okufuna emyaziiko, ng'erina obusobozi obw'okuyamba abantu okufuna ensimbi ez'obwangu mu biseera by'obwetaavu.

Enkola za Mokash ez'Okuyazika n'Amagoba

Mokash ewa obuweereza bubiri obukulu: emyaziiko emitono n'enkola z'okutereka ensimbi. Emyaziiko gy'ewaako giri gya nsimbi ntono, egisobola okukozesebwa abantu okugonjoola ebyetaago eby'obwangu oba okusitula bizinensi zaabwe entono. Omwaziiko gwa Mokash gwa lugenda ya nnaku 30, awatali kusaba kyakalu kyonna.

Eby'okuyazika ensimbi (Micro-Loan)

• Omuwendo gw'Omwaziiko: Gusobola okubeera wakati wa UGX 3,000 okutuuka ku UGX 1,000,000.
• Ensasula y'Okufuna Omwaziiko (Facility Fee): Kiri 9% ku mmuwendo gw'omwaziiko gwo gumu, ng'esasulwa buli lwe gujwa ku nnaku 30. Kino kivaako amagoba agawera 117% buli mwaka.
• Ensasula y'Okulwawo Okusasula (Late Payment Fee): Bw'olwawo okusasula omwaziiko, ogattibwako 9% endala ku mmuwendo gw'omwaziiko buli lwe gulwawo okutuuka ku nnaku 30 ezilamba.
• Ekiseera ky'Omwaziiko n'Okusasula: Omwaziiko gusasulwa mu nnaku 30. Bw'otamusasula mu kaseera, gujja kweyongerako ekiseera ekirala n'osasula ensasula ey'okulwawo.
• Okusasula: Ensimbi ziteekebwa mu MTN Mobile Money wallet yo mangu ddala.
• Ekyakalu: Tewali kyakalu kyonna ky'oyisawo.
• Ensasula endala: Tewali nsasula z'okuteekawo oba z'okukola ebyapa, wabula ensasula ya 9% eya buli nnaku 30.

Enkola z'Okutereka Ensimbi

Mokash era ewa n'enkola y'okutereka ensimbi, ng'ewa amagoba agatuuka ku 5% buli mwaka. Enkola eno ekola n'abantu abatonotono basobola okutereka ensimbi zaabwe n'okufuna amagoba. Eno y'engeri ennungi eri abantu abalina akagoba akatono okutereka, ng'abatera okuba abafunira okutereka kwabwe amagoba agatono mu mabbanka ag'ekinnansi. Mokash ekola n'okutereka okw'amangu, ng'oyambibwa okutereka ensimbi zo mu ngeri ennyangu n'okuzifunamu amagoba. Kino kiyamba okukulakulanya empisa y'okutereka mu bantu, naddala mu bakozi abafuna empeera entono.

Enkola y'Okusaba Emyaaziiko n'Ebyetaagisa

Enkola y'okusaba omwaziiko ku Mokash eri nnyangu nnyo era teyetaaga kugenda mu bbanka. Yonna ekolebwa ku ssimu yo, ng'ekozesa enkola ya USSD, ekyagiggya mu ngeri z'okugenda mu bbanka ezitali z'obwangu era ezisaba obudde obungi. Kino kyayambye abantu abangi, naddala abali mu byalo oba abalina obudde obutono, okufuna obuweereza bw'ensimbi obwangu n'obutebenkevu.

Enkola y'Okusaba

1. Ddayira koodi ya USSD *165# ku ssimu yo eya MTN.
2. Londa "Mokash" ku menu eggyawo.
3. Londa "Okuyazika Ensimbi" oba "Koppa".
4. Olagibwa okukkiriza obukwakkulizo n'emirimu gya Mokash. Bw'obikkiriza, CBA ekuteekerawo akawunti y'ebyamabbanka ng'ekozesa eby'omuntu bya MTN by'olinawo.
5. Osobola okusaba omwaziiko ogukugwanidde, gw'obaddako nga omusoloza ku nkozesa yo eya ssimu n'engeri gy'oterekamu ensimbi.

Ebyetaagisa ku bakkiriza Okufuna Omwaziiko

Okusobola okufuna omwaziiko gwa Mokash, olina okutuukiriza ebimu ku bino wammanga:

• Olinayo akawunti ya MTN Mobile Money eggyawo era ekola bulungi.
• Olina okuba ng'omaze emyaka 6 oba okusingawo ng'okozesa ssimu ya MTN (okwogera, okukozesa entandikwa, n'ebirala).
• Olinayo kaadi ya ID ey'amazima ng'eya National ID, passport, oba driver's permit eyakozesebwa okwewandiisa ku ssimu yo eya MTN ne Mobile Money.
• Obusobozi bwo obw'okufuna omwaziiko bupimibwa ku nkozesa yo eya MTN (okuwaana, okukozesa entandikwa, okusasula bbill, n'ebirala) n'engeri gy'oterekamu ensimbi mu Mokash. Kino kiyamba okukakasa nti omwaziisi asobola okusasula omwaziiko gwe, ng'ekikola ekiseera ky'okusaba okuba ekyangu era eky'obutebenkevu.

Enkola ya Mokash ey'okupima abayaziisi ekozesa obwongo obw'ekikolwa (AI-driven algorithm) okwekenneenya ebyafaayo byo ebya ssimu n'okutereka. Kino kiyamba okuteekawo ekigero ky'omwaziiko ekikugwanidde, ng'ekikola okuyazika okuba okw'obutebenkevu eri abakozesa n'eri kkampuni. Ensimbi ziteekebwa ku Mobile Money wallet yo mangu ddala oluvannyuma lw'okusaba kwo okukkirizibwa.

Eddembe ly'Emirimu, Okuteekawo n'Abavuganya

Mokash ekola mu ngeri ey'amateeka era eteebenkevu mu Uganda, ng'egoberera amateeka n'ebiragiro bya Bank of Uganda. Kino kiva ku kuba nti ekolera wansi w'alayisensi ya Commercial Bank of Africa (CBA) Uganda, bbanka etebenkevu eyeteekebwako akalira. Okukwatagana kuno kugaba obwesigwa eri abakozesa nti ensimbi zaabwe n'ebyafaayo byabwe biriko obukuumi obw'amazima.

Eddembe n'Ebiragiro

• Mokash ekola wansi w'alayisensi ya CBA Uganda, ng'ekubirizibwa Bank of Uganda.
• Egoberera ebiragiro bya Bank of Uganda ku by'okuyazika ensimbi ku ssimu, okukuuma abaguzi, n'okuziyiza okukola bya nsimbi eby'ekikyamu.
• Obukwakkulizo n'emirimu gya Mokash biteekebwa ku USSD ng'osaba, era bisobola okufunika ku mukutu gwa MTN ku intaneeti.
• Tewali byafaayo bya Mokash byawuliddwa ku bikolwa by'okumenya amateeka oba ebiteekebwako ebikolwa eby'okuwoolera.

Ekifo mu Katale n'Abavuganya

Mokash y'akulidde mu katale k'emyaziiko gy'oku ssimu mu Uganda, ng'erina abakozesa abasinga obungi n'emyaziiko mingi egisasulwa buli lunaku (nga 4,500 buli lunaku, ssemyaziiko wa UGX 2 billion buli lunaku). Ekyagiggya mu banne kwe kuba nti egatta okutereka n'okuyazika, tekusaba kyakalu, n'obwangu bw'okukozesa enkola ya USSD. Era, okuggyako kw'okusasula wakati wa Mokash ne Mobile Money bwa bwerere, ekintu ekikola enkozesa yayo okuba eya ssente entono.

Abavuganya ba Mokash mu Uganda mulimu:

• Airtel QuickLoan: Empulatifoomu ey'enjawulo eya Airtel Uganda.
• Stanbic Instant Cash Advance: Okuva mu Stanbic Bank, ng'era esobola okufunika ku ssimu.
• XtraCash: Enkola endala ey'okuyazika ku ssimu.
• MoPesa: Eno ye yali y'asooka mu pulatifoomu z'emyaziiko ku ssimu mu bitundu bino, ng'eyazikira abantu abafuna ensimbi entono.
• MoMoAdvance: Olumu n'olumu ekozesebwa ng'emyaaziiko emikufulu, naddala eri abakozesa ba MTN Mobile Money.

Mokash etalaga obuyigirize obw'amaanyi n'okwagala okweyongera okukula. Okusinziira ku bubaka obutunda, pulatifoomu eno ekyaweereza abantu abasinga obungi mu Uganda, ng'ekola okuyazika ensimbi okuba okwangu n'okutuuka ku buli muntu. Mokash ekola n'okulunda abakozesa bayo, ng'eyongera okukulakulanya enkola zaayo ez'okupima abayaziisi, n'ekyusaamu enkola zaayo ez'eby'ensimbi. Okukwatagana kwayo n'abakozi abalala, nga MTN ne CBA, kiyamba okukakasa nti eba ntebenkevu era ey'omugaso eri abantu abasinga obungi.

Amagezi ag'Omugaso eri Abayaziisi n'Ekifundikira

Mokash ewa omukisa omunene eri abantu abetaaga ensimbi ez'obwangu okugonjoola ebyetaago byabwe oba okusitula bizinensi zaabwe entono. Naye, nga bwe kiri ku mwaziiko gwonna, kikulu okukozesa obwakalimagezi n'okumanya obukwakkulizo n'emirimu gwe. Kuno kye kifundikira n'amagezi ag'omugaso eri abo abagenderera okukozesa obuweereza bwa Mokash.

Eby'Okufundikira by'Abakozesa

Abakozesa abasinga obungi balaga nti Mokash eri nnyangu okufuna era ey'amangu. Abantu baagala nnyo obwangu bw'okufuna ensimbi n'enkola y'okutereka. Era, abantu abangi bawezezza nti Mokash yabayambye okugonjoola ebizibu eby'obwangu, gamba ng'abalimi okufuna ensigo, abayizi okusasula ebya fees, n'abalina bizinensi entono okuzitwala mu maaso. Wabula, eby'okufundikira ebimu biraga nti amagoba (9% buli nnaku 30) gali wagulu, naddala bwe gagattibwa okutuuka ku 117% buli mwaka. Kino kye kintu ekisaba okuteekawo obwakalimagezi obunene.

Amagezi ag'Omugaso eri Abagenderera Okuyazika

• Okutegeera Amagoba: Tekebwako nnyo essira ku nsasula ya 9% buli lwe gujwa ku nnaku 30. Bw'olwawo okusasula, ogattibwako 9% endala. Kino kitegeeza nti omwaziiko gwonna gwe gujwa ku nnaku 30 gulina okusasulwa okwewala okufuna amagoba agawera ennyo.
• Okuyazika Ekisoboka Okusasula: Yaziika z'olowooza nti osobola okusasula mu nnaku 30. Teyaziika nsimbi nnyingi nnyo ezisobola okukulemerera okusasula.
• Okutereka Ensimbi: Kozesa enkola y'okutereka eya Mokash. Okutereka ensimbi mu Mokash kuyinza okukuyamba okufuna amagoba (okutuuka ku 5% buli mwaka) era n'okukyusa obusobozi bwo obw'okufuna omwaziiko gumu ogusinga obunene.
• Okubaza Bulungi: Nga tonnayasika, baza nti osobola okusasula omwaziiko ogwo n'amagoba gaagwo awatali kugwako mu bizibu. Bw'oba olina obuzibu, gamba n'abakozi ba Mokash okuyita ku namba ya MTN (100) okufuna obuyambi.
• Okukozesa Bulungi: Yaziika ensimbi zino ku byetaago eby'omugaso n'ebiyinza okukuyamba okufuna amagoba, gamba ng'okutandika bizinensi entono oba okugula ebyetaagisa eby'omugaso. Teyaziika ku bya mpola.
• Okuteekawo Enkozesa Ennungi: Olw'okuba Mokash ekozesa ebyafaayo byo ebya ssimu n'okutereka okupima obusobozi bwo, kozesa ssimu yo obulungi n'okusasula ebintu byo bya ssimu mu kaseera akatuufu okusobola okuzimba ebyafaayo ebirungi eby'obusobozi.

Mokash y'engeri ennungi eri abantu abetaaga obwangu mu by'ensimbi. Naye, okukozesa kwayo kusaba obwakalimagezi obunene n'okutegeera bulungi obukwakkulizo bwayo. Ng'ekisumuluzo, Mokash ekyabaddenga n'ekyaweerereza abantu abangi mu Uganda, n'ebawa emikisa gy'eby'ensimbi egitaliiko ky'akalu. Kino kiyamba okusitula eby'obugagga bya bantu abangi mu ggwanga.