OneLoan

Okutandika kwa OneLoan n'Enkola yaayo mu Uganda

OneLoan kkampuni ey'eby'eddigito eyatandikibwawo okuyamba Abauganda okufuna looni ez'amangu n'okutebenkanya obulamu bwabwe obw'eby'ensimbi. Yakolebwako kampuni eya Vijan Fincap Private Limited, eyeeyawulira mu kuwa looni zino ezitaliiko ky'ekyamu mu Uganda. Yali etandise mu mwaka gwa 2021, nga ekigendererwa kyayo kiri ku bantu abali wakati w'emyaka 18 ne 60, abawerekerwa, n'abo abekoledde emirimu, abetaaga ssente entono okubayamba mu biseera eby'obwetaavu oba okutandikawo emirimu emitono. Abakulembeze baayo abakulu mwe muli John Sessanga (CEO), Aisha Namutebi (CTO), ne Michael Otieno (COO), wadde nga obukakafu obuzze bukakasa obumanyirivu bwabwe butanaba kutuukirirawo olukalala.

Enkola ya OneLoan ey'eby'obusuubuzi esinga kweyolekera mu kuwandiisa abakozesa n'okuwa ssente okuyita ku app yayo ey'oku ssimu. Kino kigiyamba okutuuka ku bantu bangi mu ggwanga lyonna awatali kwetaaga ofiisi ezisimbiddwa. Ekampuni eno ekozesa obukugu bw'omulembe okukebera abasaba looni, nga bafunira amakubo okuva mu bintu eby'enjawulo nga ebikolebwa ku ssimu ey'obukwatira, ebikolebwa ku mobile money, n'ebirala. Kino kiyamba okukebera obutonde bw'omuntu okuzzaayo ssente awatali kwetaaga kyamu kyonna okusiba ssente.

Okwogera ku kifo kya OneLoan mu katale, kkampuni eno efuuse erimu ku mannya agasinga okwogerwako mu kitongole ky'okuwa looni ez'oku ssimu. Abagikozesa basinga kugikomya mu kwebaza nti tebalina kweyigira ssente, sso nga abalala bakoma ku kwesiba mu kudduukirira abantu abetaaga ssente mu bwangu. Okuteekawo empisa ey'obwegendereza mu kuwola ssente n'okuteekawo amateeka amakakali ku kuddukanya amakubo g'abakozesa (data protection) kulaga nti kkampuni eno esinga kwesiba mu buvunaanyizibwa bw'okuyamba abantu baffe mu ngeri ey'amazima.

Ebintu bya Looni n'Amateeka Gaayo

OneLoan esinga okwewaayo mu kuwaayo looni ez'omuntu ku bubwe ezitaliiko kyamu. Kino kitegeeza nti tewetaaga kyakusiba ssente, nga ettaka oba emotoka, okufuna looni y'oku OneLoan. Kino kiyamba abantu abangi abatalina by'aweemu bingi okufuna ssente ze beetaaga.

Omutindo gw'Amasente n'Ebisale

• Omuwendo gw'Amasente: Omutindo gw'amasente ogusinga obutono gwa UGX 100,000, ate ogusinga obunene gwa UGX 500,000. Omuwendo guno gutuukana n'abantu abasinga obungi mu Uganda abetaaga ssente entono ez'oku bwangu.
• Amagoba g'Omwaka (APR): Amagoba ga OneLoan gasinziira ku kiseera kya looni. Gava ku 12% singa oloaninga okumala ennaku 91, okutuuka ku 30% singa oloaninga okumala ennaku 365. Kikyali kya makubo nti waliwo abalowooza nti balina amagoba ga 20% buli lunaku; naye, kyetaagisa okutegeera nti ekyo kiba kisale ekimu ekibalibwa ku looni, naye amagoba g'omwaka mulamba ge gano aga 12%-30%, okusinziira ku biseera by'okuzzaayo. Kyetaagisa okusoma obulungi amateeka gonna nga tonnaba kwewola.
• Ebisale by'Okuddiza: Looni za OneLoan ziddizibwa mu mutemwa gumu ogw'obusimbi nga ekiseera kya looni kyatuuse. Ekiseera ky'okuzzaayo kiva ku ennaku 91 okutuuka ku ennaku 365.
• Ebisale Ebirala: OneLoan egamba nti teliiko bisale bya kulambulula oba eby'obukujukujja eby'ekyama. Wabula, kyetaagisa okumanya nti waliwo ekisale ky'okukola obutali bwa magezi mu kuzzaayo ssente ekya 1% buli lunaku ku ssente ezaasemba okuddizibwa, ekintu kyetaagisa okwewala okusigala ng'oteeka essira ku kuzzaayo ssente mu kiseera ekiteereddwawo.
• Akakalu (Collateral): Tewali kyamu kyonna kyetaagisa. Looni zino zitaliiko kyamu.

Enkola y'Okusaba Looni n'Obukugu bw'Enkola

Enkola y'okusaba looni ku OneLoan eri y'amangu ddala era y'amangu okukozesa. Byonna bikolebwa kuyita ku app y'oku ssimu, ekintu ekiyamba abantu okusaba ssente okuva buli wamu mu Uganda. Tekuliko ofiisi oba website ey'obuntu, ekintu ekireetera byonna okukolebwa ku ssimu.

App ya OneLoan n'Ebintu Byaayo

• App y'oku Ssente: App ya OneLoan ejja ku Google Play store, ng'eri wansi w'erinnya "OneLoan" nga ekolebwa Vijan Fincap. Tekuli app ya iOS, ekitegeeza nti abalina iPhone tebasobola kugikozesa okusaba looni.
• Okwekkaanya n'Okuwandiisa (KYC): Okusaba looni, oyetaaga okuteeka namba y'essimu yo, era n'okukwata ekifaananyi ky'akarddika ko ak'eggwanga (National ID) n'okukiteeka ku app. OneLoan ekozesa obukugu okukakasa obumanyirivu bw'omuntu n'okugatta akaawunti yo eya mobile money oba eya banka ku app.
• Okukebera Obukakafu (Credit Scoring): OneLoan ekozesa enkola ey'omulembe ey'obukugu obw'okubalira ku kompyuta (AI model) okukebera obukakafu bw'omuntu. Tekwesiga bbanka zokka, wabula ekola okuyita mu kwesiga amakubo ag'eby'obufuna ag'enjawulo, gamba nga ebikolebwa ku mobile money n'amakubo g'essimu yo. Kino kiyamba okuba n'ekifaananyi ekijjuvu eky'obulamu bw'omuntu obw'eby'ensimbi.
• Okuwaayo Amasente: Bw'oba okakasiddwa, ssente zikusindikira ku akaawunti yo eya MTN MoMo oba Airtel Money. Osobola okusaba ssente zikwawereze ku akaawunti yo eya banka yonna mu Uganda.
• Ebintu eby'enjawulo ku App: App ya OneLoan ekuyamba okumanya amangu nti osobola okufuna looni, okukola KYC mu ngeri ey'obwangu, n'okuwa obubaka obukuyitirawo (push notifications) obukujjukiza okuzzaayo ssente zo. Emakaala gayo ku Google Play gakoma ku 4.2 ku 5, ng'erina abakozesa abasoba mu 1,200 abagikozeeko.

Obukulembeze bw'Amateeka n'Ekifo mu Katale

Okukola mu ggwanga nga Uganda, kiyisa OneLoan mu butiisa obw'amateeka g'ebya ssente. Kyetaagisa okukakasa nti ekola wansi w'amateeka agafugibwa Banka ya Uganda. Wadde nga OneLoan egamba nti yaweebwa layisinsi ng'eya Tier 4 digital credit provider, obukakafu buno butanaba kutuukirirawo obwakakasibwa mu bujjuvu. Wabula, ekolera wansi w'amateeka ga Banka ya Uganda agafuga abawa looni ez'oku ssimu (Digital Credit Providers Guidelines, 2023).

Kkampuni eno egamba nti ekola okusinzira ku mateeka g'okukuuma amakubo g'abakozesa (data protection) agafaanana n'aga GDPR. Era ewaayo amakubo amatuufu ku magoba n'ebisale byayo, n'okuteekawo emitindo egya looni egisinga obunene eri abakozesa, okukakasa obwegendereza mu kuwola ssente. Tekuli kya kugunjibwa kivudde mu bantu ba Gavumenti ku OneLoan, ekintu ekiraga nti emu ku bakola ku mateeka.

Okugeraageranya n'Abavuganyaayo mu Uganda

Mu katale ka looni ez'oku ssimu mu Uganda, OneLoan efugibwa kkampuni nnyingi endala. Kigambibwa nti erina ekimu kya 5% eky'akatale ka looni ez'oku ssimu. Abavuganyaayo abakulu mwe muli kkampuni nga FairMoney, Okash, ManguCash, ne YoCash. OneLoan eyawukana ku bano mu bintu bino:

• Obutaliiko kyamu: OneLoan teyetaaga kyamu kyonna, ekintu ekigiyamba okutuuka ku bantu abangi abatalina byaweemu.
• Obuyambi obwa 24/7: Kkampuni eno ewaayo obuyambi obw'abantu butereevu okuyita ku live-chat oba email, awatali kusiba.
• Ebisale Ebituufu: OneLoan egamba nti ebisale byayo bya butuufu era bikyatukira, nga biba byategekeddwawo obulungi nga tonnaba kwewola.

Wadde nga OneLoan erina endowooza z'okukula okwolekedde eby'omulembe, nga eteekateeka okuteekawo app ya iOS mu 2026 n'okutandika looni z'abasuubuzi abato mu Kampala mu 2025, kiyamba okukebera obulungi n'abavuganyaayo okumanya lwaki OneLoan y'esinga okukuwanira. Emu ku nkola zaayo ez'okukula kwe kugatta ku kkampuni za mobile money nga MTN Uganda ne Airtel Uganda, n'okusaba okugatta ku FINCA Uganda okufuna looni ez'okweyogerera.

Obumanyirivu bw'Abakozesa n'Amagezi eri Abasaba Looni

Obumanyirivu bw'abakozesa n'endowooza zaabwe zirina akamwa k'amaanyi ku kkampuni yonna. Abantu abasinga obungi abakozesa OneLoan bakoma ku kubayayiriza olw'okuteekawo ssente mu bwangu, obwangu bw'okusaba, n'amateeka agali obulungi ag'okuzzaayo. Naye, waliwo n'ebimu ebibadde bireetera abakozesa okugaya OneLoan. Ebimu ku bino mwe muli okulemesa okukakasa obumanyirivu bw'omuntu (KYC) n'okukoma ku kwesiba mu kudduukirira abantu abagamba nti balina amagoba ag'omu bukyamu buli lunaku. Ebirala ebibaddewo mwe muli app okukola obubi ku ssimu ez'ekika ekitono (Android OS 6.0) n'okufuna obubaka obujjukiza okuzzaayo ssente nga ekiseera ky'okuzzaayo kyayiseeko.

Wadde nga waliwo ebizibu bino, OneLoan egezaako okutekawo obuyambi obw'amangu. Eby'obufuna byabwe biraga nti bavuddeyo mu kuganyulwa, nga mu 2024 baafunamu UGX 2.8 billion, ng'amagoba gaabwe gali 18%. Kkampuni eno ebadde ekozesa ssente ezisobola okutuuka ku USD 2.5 million okuva mu bakulembeze b'eby'ensimbi nga East Africa Ventures ne Savannah Fund, ekintu ekiraga obwesige bwe balina mu nkola yaayo. Endowooza y'omukozesa ey'obutonde (Net Promoter Score) ya +25, ekiraga nti abakozesa abasinga obungi baganyulwa mu OneLoan.

Amagezi Ag'enkizo eri Abasaba Looni

Nga omukebezi w'eby'ensimbi, nkwatiza amagezi gano eri buli muntu alowooza okwewola ku OneLoan:

• Soma Obulungi Amateeka G'okuzzaayo: Buli kiseera, soma obulungi amateeka gonna ag'okuzzaayo n'amagoba nga tonnaba kussa mukono ku looni yonna. Kakasa nti otegedde obulungi n'ekisale ky'okukola obutali bwa magezi mu kuzzaayo ssente.
• Wewole by'Osobola Okuzzaayo: Togenda mu looni nene okusinga obusobozi bwo. Kakasa nti osobola okuzzaayo ssente mu kiseera ekiteereddwawo okwewala ebisale eby'okukola obutali bwa magezi.
• Kakebera App: Bw'oba olina essimu ey'ekika ekiggya, app ejja kukola obulungi. Naye, bwe kiba kiri nti oyina essimu ey'ekika ekikadde, kakasa nti app ekola obulungi ku ssimu yo nga tonnaba kusaba looni.
• Kakasibwa Amateeka: Bw'oba oyina okubuusabuusa ku layisinsi ya kkampuni oba amateeka gaayo, gezaako okukakasa okuva mu Banka ya Uganda.
• Geraageranya n'Ebirala: Togezaako kulowooleza ku OneLoan yokka. Geraageranya n'abavuganyaayo abalala mu katale okukakasa nti ofunye looni ekusinga obulungi.
• Zzaayo Amasente mu Kiseera: Okuzzaayo ssente mu kiseera ekiteereddwawo kikuyamba okwewala ebisale eby'okukola obutali bwa magezi, n'okuzimba obwesige bwo obw'eby'ensimbi, ekikusobozesa okufuna looni ezisingawo mu biseera eby'omu maaso.