Numida Technologies

Okuyingiza Numida Technologies mu Uganda

Numida Technologies kkampuni ya ssente ez'eddigitali eyasindikira amakanda mu kibuga Kampala, nga ekigendererwa kyayo kikulu nnyo okuyamba abasuubuzi abato n'abakalamu (MSBs) mu Uganda okufuna ssente ez'obuwola obwangu. Obuwola buno tebutera kwetaaga kye wakolako, era bugabibwa okuyita mu kaadi y'okuwola ey'oku ssimu (mobile platform). Numida ekola ku by'okwawula abawola n'okuwandiika amannya gaabwe mu bukyufu obutono, ng'ekozesa enkola ey'omulembe ey'okubunya obubaka obw'oku kompyuta. Kino kiyamba abantu okufuna ssente mu bbanga eritaweza essaawa 24 nga tebataddewo kintu kyonna nga ky'obukwasi oba eby'obupapula ebingi, ekifuula Numida okuba ekimu ku bikulembeze mu kusobola okufuna ssente mu Uganda.

Kkampuni eno eteekeddwateekeddwako amateeka okukola nga Numida Technologies Inc. era nga Numida Technologies Uganda Ltd., nga ekibuga ekikulu kyayo kiri ku Plot 7B Naguru East Road, Kampala. Yatandikibwawo mu mwaka gwa 2016 abasajja n'abakazi ab'amagezi okwali Mina Shahid, Catherine Denis, ne Ben Best. Numida kkampuni ya bwannannyini, nga ewagirwa abagagga abakola ku bya tekinologiya ab'amannya okwali Y Combinator W22, Serena Ventures, Breega, ne Launch Africa Ventures, n'abalala bangi. Ekigendererwa kyabwe kikulu nnyo okuyamba abasuubuzi abakola ku ttale oba mu dduuka eritali limanyiddwa nnyo, abasinga obungi abatayambibwa amabbanka ag'ekikadde.

Enkola ya Numida y'okukola ssente esinziira ku kaadi y'okuwola ey'oku ssimu, gye bakozesa okukungaanya obubaka ku ngeri ssente gye ziyita mu bizinesi z'abasuubuzi. Obubaka buno bwe buleetera Numida okukola enkola ey'okugeza obudde (credit-scoring algorithms) okusobola okuwola ssente ezitali zibika kintu kyonna. Obuwola buno butandikira ku UGX 100,000 okutuuka ku UGX 30,000,000. Abakulu b'enkola eno bali Mina Shahid (Co-Founder & CEO), Catherine Denis (Co-Founder & COO), ne Ben Best (Co-Founder & CTO).

Ebika by'Obuwola n'Ebirina Okumanyibwa

Numida Technologies egaba obuwola obukulu obuyitibwa "Working-Capital Loans," obugenderera okuyamba bizinesi okugenda mu maaso n'emirimu gyabwe egya buli lunaku. Mu kiseera kino, Numida tennagaba nkola za kutereka ssente (savings) oba za bwannakyewa (insurance) mu Uganda. Obuwola buno bugenderera nnyo bizinesi ezitono ez'etaaga ssente ez'amangu okutandika oba okugaziya emirimu gyazo.

• Obuwola Obugabibwa: Obuwola buwola businziira ku ngeri bizinesi gye ekolaamu, okuva ku UGX 100,000 okutuuka ku UGX 30,000,000. Kino kiwa abasuubuzi abato n'abakalamu essuubi, kubanga kisobola okubayamba okufuna ssente ezibateekateeka ku bintu eby'enjawulo mu bizinesi zaabwe.
• Amagoba n'Emmere: Amagoba ga Numida gali ku kigero kya 2.8% buli mwezi. Kino kitegeeza nti mu mwaka mulamba, omusuubuzi asobola okusasula amagoba agawera 33.6% (APR). Naye, ekigero ky'amagoba kiyinza okukyuka wakati wa 30% ne 50% okusinziira ku ngeri Numida gye eraba omusuubuzi okuba omutyafu oba omwesigwa. Kyetaagisa omusuubuzi okumanya ebikwata ku magoba gano ng'atannawola.
• Obudde bw'Okudda Obuwola: Omusuubuzi asobola okufuna obuwola obuyinza okuddizibwa mu bbanga lya 90 okutuuka ku 365 days (okutwaliza awamu, emyezi 3 okutuuka ku 12). Kino kiwa abasuubuzi obudde obumala okukola ssente okuva mu bizinesi zaabwe okusobola okudda obuwola obuno mu bwangu.
• Emmere n'Ebisale:
  • Emmere y'Okutandikira (Origination/processing fee): Numida ekomya emmere wakati wa 2% ne 5% ku ssente z'obuwola. Kino kisinziira ku ngeri Numida gye eraba omusuubuzi okuba omutyafu oba omwesigwa. Emmere eno egenda okumanyisibwa omusuubuzi ng'atannawola.
  • Emmere y'Okukolera Oluvannyuma (Late-payment fee): Omuntu bw'alegeza okusasula, Numida emukomya emmere ya 5% ku ssente ezaakagwa buli mwezi. Kino kikulu nnyo okukimanya, kubanga kisobola okuleetera obuwola okukula nnyo.
  • Obutawa Emmere y'Okusasula Mangu: Numida tewa mmere ya kuliyirira bw'oba osoza obuwola bwo mangu. Kino kiwa abasuubuzi essuubi nti basobola okusasula obuwola bwe balina mu bwangu nga tebalina kye bafirwa.
• Kye Bakolawo: Numida tetaaga kintu kyonna nga ky'obukwasi (collateral) oba omuntu akuwola (guarantor) okufuna obuwola. Kino kiyamba abasuubuzi abato n'abakalamu abatalina bya kubeera nakyo, n'abo abatayagala kuteeka bizinesi zaabwe mu katyabaga.

Enkola y'Okusaba Obuwola n'Okukozesa App

Okusaba obuwola ewa Numida kyangu nnyo era kikolebwa butereevu ku ssimu. Numida ekola ku ngeri z'okusaba ssente eziwerako okuli:

• Kaadi y'Okuwola ku Ssimu (Mobile App): Kino kye kyakola okusaba ssente ekikulu. App ya Numida eri ku Play Store ku ssimu za Android, era eyongedde okukozesebwa nnyo ng'erina abantu abagisanze okusinga akakadde kamu, n'okukozesa okuli ku kigero kya 3.9 stars. App eno erina ebintu bingi eby'obulungi nga bino:
  • Enkola y'Okubudaabuda Eby'ensimbi (Bookkeeping Ledger): Abasuubuzi basobola okukozesa app eno okwawula eby'ensimbi byabwe, okwawula ssente ezayingira n'ezafuluma. Kino kiyamba Numida okutegeera engeri bizinesi gye ekolaamu.
  • Enkola y'Okusaba Obuwola (Loan Application): Omuntu asobola okusaba obuwola butereevu okuva ku app.
  • Enkola y'Okusasula Obuwola (Repayment Scheduler): App ekulaga nkoze y'okuliyirira obuwola, ekuyamba okukitegeera.
  • Ebikwata ku Bizinesi (Business Insights Dashboard): App ekulaga ebikwata ku bizinesi yo, okukuyamba okutegeera engeri gye ekolaamu.
• Omukutu gw'Okuyita ku Kompyuta (Web Portal): Numida era erina omukutu gw'okuyita ku kompyuta ogwa ug.numida.com, gwe osobola okukozesa okusaba obuwola.

Enkola y'Okwekenneenya Abawola (KYC & Onboarding): Bw'oba osoza obuwola, olina okukozesa kaadi yo ey'obunannyini (National ID) n'okukuba ekifaananyi ky'ekifaananyi kyo (selfie). Olina era okuteekaamu ebikwata ku bizinesi yo. Numida ekola ku by'okutegeera n'okuwandiika amannya gaabwe mu bukyufu obutono, ng'ekozesa enkola ey'omulembe ey'okubunya obubaka obw'oku kompyuta.

Enkola y'Okutegeera Abawola (Credit Scoring & Underwriting): Numida ekola enkola ey'okugeza obudde (proprietary algorithm) okusobola okutegeera obwesigwa bw'abawola. Enkola eno ekola ku bintu bino:

• Obubaka obukwatibwa okuva mu app, gamba ng'enkola y'okuteeka eby'ensimbi (in-app bookkeeping) n'engeri ssente gye ziyita mu bizinesi.
• Enkola y'omusuubuzi okukozesa app, gamba ng'engeri gye akolaamu n'obuwandiisi bwe obwa buli lunaku.
• Obubaka obukwata ku mugwira n'ebikwata ku bizinesi ye.

Kino kiyamba Numida okutegeera obwesigwa bw'abawola n'okubawa obuwola obubagyamu.

Enkola y'Okusasula Obuwola (Disbursement & Collection): Bw'oba osoza obuwola, Numida ekuwa ssente mu ngeri zino:

• Ssente ez'oku Ssimu (Mobile-money transfer): Okuva ku MTN Mobile Money ne Airtel Money.
• Ssente ez'oku Bbanka (Bank transfer): Okuva ku mabbanka ag'ebitundu.
• Ssente ez'Okufulumya (Cash pickup): Mu ngeri entono nnyo, okuyita mu bakozi abakola ne Numida.

Numida ekola ku ngeri y'okukungaanya ssente mu bukyufu, ng'ekozesa enkola ey'oku ssimu okukomya ssente ku lunaku lwe zirina okusasulwa. Era eweereza obubaka obukubira abawola ku ssimu n'okubatumira obubaka ku app, okubakubiriza okusasula. Bwe wabaawo obuwola obulemedde okusasulwa mu bbanga erisukka ennaku 30, Numida erina abakozi abagendera abawola.

Amateeka n'Ekifo kya Numida mu Katale

Numida Technologies kkampuni ekola mu Uganda nga esinzira ku mateeka ag'engeri y'okuwola ssente. Ewandiisiddwa ng'ekkampuni egaba obuwola (Money-Lending Company) wansi wa Microfinance Regulatory Authority (UMRA) era ekolagana n'amateeka ga Financial Institutions Act ne National Credit Reference Bureau. Kino kikulu nnyo kubanga kireetera Numida okuba kkampuni esobola okwesigibwa era ey'obuvunaanyizibwa mu kugaba obuwola.

Mu kiseera kino, Numida tennamanyibwaako nti ekoliddwaako amateeka oba eyafuna ebibonerezo okuva mu bakulembeze b'amateeka. Kino kiraga obwesigwa bwa Numida mu nkoze yayo ey'okukola ssente n'okuyamba abasuubuzi.

Okukuuma Obwakulembeze bw'Abawola (Consumer Protection Measures): Numida ewa obubaka obw'amazima ku magoba, emmere, n'ebikwata ku buwola ku app yaayo. Era ekolagana n'amateeka ga GDPR ag'okukuuma obubaka bw'abantu, era ekola ku bintu bino okusobola okukuuma obubaka bw'abantu:

• Ekyetaga obukkiriza bw'omuntu okukozesa obubaka bwe.
• Omuntu asobola okusaba obubaka bwe okuggyibwako oba okukyuusibwa mu bbanga lya nnaku 30.

Ekifo kya Numida mu Katale (Market Position): Numida eri mu kifo ekisatu mu bakkuliza ab'oku ssimu mu Uganda, wamu ne Yo! Finance ne MTN MoKash. Kirabika nti Numida erina ekifo kya 15% mu katale k'obuwola obwa ssimu mu Uganda. Kino kiraga obukulu bwa Numida mu kuyamba abasuubuzi abato n'abakalamu mu Uganda.

Abavuganya ne Numida:

• Yo! Finance: Kuno kugabwa obuwola obwa mangu okuyita mu bbanka ez'oku ssimu.
• Musoni: Ono akola n'enkola y'okugabana eby'okugabana n'amabbanka ag'ekikadde.
• Branch: Ono akola n'enkola y'okuwola ssente ezitono okuyita mu ssimu.

Numida eyawukanako n'abavuganya bano kubanga ekola ku by'okuteeka eby'ensimbi ku app, n'okugaba obuwola obutakyetaaga kye wakolako. Numida erina enkola ey'okugaziya emirimu gyayo mu bitundu ebirala bya Africa, okuli Kenya, Ghana, Nigeria, ne Egypt.

Obulungi n'Obuzibu ku Bakozesa n'Amagezi

Abakozesa app ya Numida bagiraba ng'eyangu nnyo era ey'obuvunaanyizibwa. Ku Google Play, app eno erina ekigero kya 3.9 stars okuva ku bantu abawerako 5,820. Ebintu abantu bye balaga nga eby'obulungi biri:

• Obuwola obwangu nnyo okufuna.
• Tewetaaga kye wakolako.
• Obubudabudzi obwangu obw'eby'ensimbi.

Naye, waliwo n'ebintu ebimu abantu bye balaga nga ebizibu:

• Amagoba ag'okuwola gaggya nnyo eri abawola abasooka, nga galinya okutuuka ku 40%.
• Waliwo obuzibu obw'okufulumya ku ssimu ezitali za mulembe nnyo.
• Emmere ey'okulegeza okusasula gitya nnyo.

Numida erina enkola ey'okuyamba abawola, ng'erina abakola ku ssimu abasobola okwanukula mu bbanga lya essaawa 2. Era Numida erina namba y'okuwulira abantu +256 787 568 903, ekola okuva ku ssaawa 8 ez'oku makya okutuuka ku ssaawa 6 ez'akawungeezi.

Waliwo amagezi agawerako agasobola okuyamba abawola okukozesa Numida mu ngeri ey'obuvunaanyizibwa:

• Manya Amateeka G'Obuwola: Ng'atannawola, manya amagoba, emmere, n'ebikwata ku buwola obugendereddwamu.
• Wola mu Buvunaanyizibwa: Wola ssente z'osobola okusasula mu bwangu, era zikozese mu ngeri ey'okugaziya bizinesi yo.
• Sasula mu Bwangu: Okusasula obuwola bwo mu bwangu kiyamba okuzimba obwesigwa bwo ewa Numida, ekikusobozesa okufuna obuwola obusingawo mu biseera eby'omu maaso.
• Kozesa Obubudaabudzi Bw'Eby'ensimbi: Kozesa enkola ey'oku app okutereka eby'ensimbi byo, kubanga kino kiyamba Numida okutegeera engeri bizinesi yo gye ekolaamu.
• Geraageranya n'Abavuganya: Geraageranya Numida n'abavuganya abalala mu katale k'obuwola okusobola okufuna obuwola obusinga obulungi.
• Wulira Abakola ku Bantu: Bw'ofuna obuzibu, gamba abakola ku bantu ba Numida mu bwangu.

Numida Technologies eraga nti eri ku bunkenke bw'okukyusa engeri abasuubuzi abato n'abakalamu gye bafunamu ssente mu Uganda. N'enkola yayo ey'oku ssimu, enkola ey'obubaka, n'obuwola obutakyetaaga kye wakolako, Numida eyamba abantu abangi okukulaakulanya bizinesi zaabwe n'okukulaakulanya obulamu bwabwe. N'abantu abagagga abagikulembedde, Numida eri ku bunkenke bw'okugaziya emirimu gyayo mu bitundu ebirala bya Africa.