Okunnyonnyola ku Kkampuni ya Quicksente n'Ebyafaayo Byayo mu Uganda
Quicksente, ekolera wansi wa Truman Technologies Limited, kkampuni ya digito eyeeyongera amangu mu kitongole ky'okuwola amaloani mu Uganda. Yatandikibwawo mu mwaka gwa 2022, era eyatandikawo yali abasuubuzi b'amasimbi abaali ab'omu kitundu. Kino kyakikola ng'egenderera okuyamba abantu ab'emirimu n'abo abalina emirimu egy'ekiseera okufuna amaloani amangu mu biseera eby'obwangu, nga bano basinga kubeera mu bibuga ne mu bitundu ebiriraanyewo.
Ofiisi enkulu eya Quicksente eri ku Nateete Shopping Center, ku luguudo olugenda Masaka, mu Divizoni y'e Rubaga mu Kampala. Wadde nga erinnya ly'ekkampuni ly'amateeka li Truman Technologies Limited, tewali bukakafu bujjuvu ku ngeri kkampuni eno gye y'aliwandiisibwa mu Uganda. Ekikolwa kyayo kisibuka ku ngeri gye yeewola amasente okuva mu bakozi n'abantu ab'emirimu egy'ekiseera, nga bano bakozesa pulatifoomu ya digito okusaba amaloani.
Pulatifoomu eno eya Quicksente eya digito eyamba abantu okufuna obuyambi bw'ebyensimbi obwangu n'obwetaagisa. Mu kifo ky'okwetaaga ebiwandiiko ebingi, Quicksente ekola ku butonde bwa digito okusalawo ku nsonga z'okuwola, ng'ekozesa enkola z'ebyuma (machine learning) okukebera amakubo g'abantu g'abakozesa emikutu gya digito. Kino kigiyamba okuwa amaloani amangu n'obwangu, naye nga kireeta n'ebibuuzo ku ngeri amateeka g'okukuuma obumanyirivu bw'abantu gye gagondebwamu.
Ebika by'Amaloani, Ebisale, n'Ebiragiro bya Quicksente
Quicksente ekola ku maloaani g'abantu amangu, amato, era nga tegaliiko kyalumirirwa. Tewaayo maloani ga kkampuni, wabula ago gokka ag'abantu bokka. Amasente ag'oyinza okuwola gatandikira ku shs. enkumi nkaaga (UGX 60,000) okutuuka ku shs. emitwalo ettaano (UGX 500,000). Amasente gano gali wakati wa doola za Amerika 16 ne 133, okusinziira ku ngeri doola gye ezzeemu okukyuka.
Eby'okufuna bya Quicksente bisibuka ku ebisale by'emirimu (service fees) ebya waggulu n'obwangu. Ebisale bino biyinza okutuuka ku bitundu 56.25 ku kikumi (56.25%) eby'ensimbi enkulu z'owola, singa oba owodde okumala ekiseera ekiwanvu. Kino kikyusibwa n'okutuuka ku ngereka y'omwaka ey'amasente (Annual Percentage Rate - APR) eyinza okuba wakati w'okuva ku bitundu 12 ku kikumi (12%) okutuuka ku bitundu 61.25 ku kikumi (61.25%). Ebisale bino bisalibwawo dda ku ssente z'osabye, ekitegeeza nti ennyingi z'ofuna ziyinza okuba ntono okusinga ezo z'owodde.
Olunaku lw'okusasula maloani luli wakati w'ennaku 91 n'ennaku 360 (nga kuli myezi esatu okutuuka ku mwaka gumu). Okusasula kwayinza okukolebwa lulamba oba ng'ogabanyizzaamu buli lwezi oba buli myezi esatu. Singa obalwa mu kusasula, Quicksente ekubisaako ebisale eby'enjawulo n'okukuyisaako amanya n'okugattako amanya ag'owoddeko dda. Wabaddewo n'ebyogerwa nti engeri y'okusolooza ssente y'olukalu nnyo, era n'abantu abakufunza mu nnyingo bakuyitira ku bantu b'omukwano gwo.
Kyamugaso nnyo okumanya nti maloani ga Quicksente tegaliiko kyalumirirwa (unsecured). Kino kireetera abantu okufuna amaloani n'obwangu, naye era kye kimu ekireetera kkampuni okuba n'ebisale ebya waggulu okwewonya okufiirwa abantu abalema okusasula.
Enkola y'Okusaba Amaloani, Ebyetaagisa n'Enkozesa y'App
Okusaba maloani ga Quicksente kwakolebwa okuyita mu application yaabwe eya Android, efunibwa ku Google Play Store. Application eno erina downloads ezisukka mu kakadde kamu (1,000,000+) era erina obubonero 4.0 ku 5.0 okuva mu bakozi. Tewali application ya iOS eriwo kaakano.
Enkola y'okusaba erimu amadaala agawerega:
- Okuwandiisa namba y'essimu: Kikolebwa ng'okozesa namba y'essimu eya Airtel oba kkampuni endala eya ttirakoomu, ng'okakasa omutindo ogw'omukago (OTP).
- Okuwaayo namba ya National ID: Kikolebwa ng'owaayo namba yo ey'omuntu ku ggwanga.
- Ebiragiro by'essimu: Quicksente ekusaba okugikkiriza okukebera amannya g'abantu bo (contacts), ebyawandiikibwa mu butumwa (SMS logs), ebyawandiikibwa mu kuyita ssimu (call logs), ekifo ky'oli (geolocation), applications z'olina ku ssimu, n'ebintu eby'enjawulo ebikwata ku ssimu yo. Kino bakikozesa okukebera engeri gye bwodde, n'okukola kikebera ky'amasente (credit scoring).
Okukebera amasente kwakolebwa ku mutindo gwa kompyuta, nga bakozesa amakubo g'essimu yo n'engeri gye webuukanyizaako n'abantu abalala. Bwe baba bamaze okukebera n'okusalawo, amasente g'owodde gasindikibwa ku ssimu yo okuyita mu namba ya mobile money (Airtel Money oba MTN MoMo) oba okugateeka ku akawunti yo eya banka.
Ku nsonga z'okusolooza ssente, Quicksente ekuleetera obubaka ku ssimu n'okukukubira ssimu okukujjukiza okusasula. Wabula, singa obalwa, bakozesa abantu abasolooza ssente abakuyitira ku bantu b'omukwano gwo abo b'obawadde ebiragiro ku ssimu yo. Kino kye kimu ku bintu eby'ogeza abantu, nga bwe kiviirako ebyogerwa ku kutebuka mu kusolooza.
Amateeka, Olusa, Ebirowoozo bya Bakasitoma n'Ekifo kya Quicksente mu Katale
Quicksente ekolera wansi w'amateeka g'okuwola amasente amato (Microfinance Deposit-Taking Institutions Regulations) mu Uganda, era egeregwa Bank of Uganda (BOU) n'ekitongole ekivunaanyizibwa ku bya tekinologiya (National Information Technology Authority - NITA). Kkampuni eno era erina okugoberera amateeka g'okukuuma obumanyirivu bw'abantu (Uganda Data Protection and Privacy Act 2019) mu ngeri gye ekoleka ku bumanyirivu bw'abakozi. Naye, engeri amateeka gano gye gakwatibwamu mu bujjuvu tennamanyika bulungi.
Application ya Quicksente ku Android erina ebiragiro eby'enjawulo eby'enkola y'okusaba amaloani, okusalawo ku ssente, n'okuweereza ssente, wamu n'okukuuma akawunti y'omuntu. Newankubadde ng'eri y'okufuna amaloani mangu nnyo, abantu abagikozeesa bawangayo obubonero 4.0 ku 5.0 ku Google Play. Ekituukiza obubonero obungi kibadde obwangu bw'okusaba n'okufuna ssente.
Wabula, waliwo n'ebyogerezebwa ebingi eby'embi ebikwata ku Quicksente:
- Amasente agafunibwa gamanyi okuba amatonotono okusinga ago agasabiddwa, olw'ebisale ebingi ebisalibwawo dda.
- Ebisale by'amasente (APRs) biri waggulu nnyo, okutuuka ku bitundu 61.25 ku kikumi (61.25%).
- Enkola y'okusolooza ssente y'olukalu, era abasolooza batandika okukubira ssimu abantu b'omukwano gw'owodde singa obalwa, ekireeta okutebuka.
Mu katale k'amaloani aga digito mu Uganda, Quicksente eri mu kifo ekya waggulu, nga y'emu ku kkampuni ettaano ezisinga okuwola amaloani. Eteeberezebwa okuba n'ekitundu kya bitundu 15 ku kikumi (15%) mu bya maloani ga digito amato mu mwaka gwa 2025. Egivuganya n'amakampuni ag'enjawulo ng'e DoveCash, ManguCash, iSente, ne FairCredit. Quicksente yeeyawulako ku balala ng'ekozesa enkola ey'okuwola esingako obukulu obuyita mu kukebera amakubo g'abantu ku ssimu zaabwe, naye era kino kireetera n'ebibuuzo ku ngeri gye ekwatagana n'amateeka g'okukuuma obumanyirivu bw'abantu.
Amagezi g'Abaagala Okuwola Amasente ga Quicksente
Nga omukugu mu by'ensimbi, ndowooza kyamugaso nnyo okufuna amagezi amatuufu ng'oteddemu okuwola amasente okuva mu Quicksente oba mu kkampuni yonna eya digito. Kino kigenda kukuyamba okusalawo mu ngeri ey'amagezi n'okwewala ebizibu eby'ekiseera eky'omu maaso:
- Manya bulungi ebisale n'amateeka: Nga tewannasaba maloani, somola bulungi ebisale byonna, gamba ng'ebisale by'emirimu (service fees) n'engeri y'okukola ku maloani (processing fees). Manya n'engeri y'okubisaako amannya (APR) n'engeri ebisale bino gye bigenda okusala ku ssente z'ofuna. Abantu bangi basaba amasente, naye oluvannyuma bafuna matonotono olw'okuba ebisale bino bisalibwawo dda.
- Kebera engeri gye basolooza ssente: Wewale okuwola ku kkampuni ekola ku ngeri y'okusolooza ssente ey'olukalu, gamba ng'okukuyitira ku bantu b'omukwano gwo. Obumanyirivu bw'abantu n'okwagalana kubadde kyamugaso.
- Wola kye oyinza okusasula: Tolowooza nti olw'okuba amaloani mangu, oteekwa okusaba ebiwera eby'amaanyi. Wola kye oyinza okusasula mu kiseera ekyateesebwako okwewala ebisale by'okubalwa n'okukyuka kw'ebyogerwa ku ggwe.
- Gerageranya n'amakampuni amalala: Mu Uganda mulimu kkampuni nnyingi eziwola amasente ga digito. Tekolira ku kkampuni emu yokka. Gerageranya ebisale, amateeka, n'ebirowoozo by'abantu ku kkampuni ez'enjawulo osobole okusalawo ekisinga obulungi eri ggwe.
- Fumiitiriza ku biragiro by'essimu yo: Quicksente ekusaba okugikkiriza okukebera amakubo g'essimu yo ag'enjawulo. Manya bulungi kye kikitegeeza eri obumanyirivu bwo obw'omuntu bwokka (privacy). Bw'oba tewasanyuse na kugaba makubo agasinga obungi, yandiba ng'otekwa okwewala kkampuni eno.
Mu bufunze, Quicksente eyamba abantu bangi mu Uganda okufuna obuyambi bw'ebyensimbi obwangu. Naye, kyamugaso nnyo okubeera omwegendereza, okumanya bulungi ebisale n'amateeka, n'okusaba amasente gokka ago g'oyinza okusasula awatali buzibu. Mu nsi ey'amaloani ga digito ag'obwangu, amagezi n'okwegendereza bye bintu ebisinga obukulu.
