SecureLoan

Okunoonyereza ku SecureLoan mu Uganda n'Ebyafaayo Byayo

SecureLoan kkampuni ya yintaneti eteeka ssente mu mikono gya Baganda abalina obwetaavu obw'amangu, ng'ekozesa akapulika ka ssimu. Ekuwa obuwoli bwa ssente obw'akabanga, obutaliiko ky'osaamu, wamu n'ebisaanidde ebitonotono. Kkampuni eno eyagala kuyamba abantu abakolera ku mpeera oba abo abakolera mu mirimu egy'ekyeyo, mu bibuga n'ebitundu ebiriraanyewo.

Kyokka, ebizibu bitandikira ku bintu ebimu ebitannategeerekeka bulungi. Amannya ga kkampuni amatuufu ag'amateeka tegatuukirika mu butuufu, era tewali biwandiiko byaayo ku ludda lwa Uganda Registration Services Bureau (URSB), ekitegeeza nti okutegeerekeka kwayo mu mateeka tekinnakakasibwa. Akapulika ka SecureLoan kaalabika ku mukutu gwa yintaneti mu makkati g'omwaka gwa 2023, ekiraga nti kkampuni eno yandiba nga yatandikira mu mwaka gwe gumu. Newankubadde kiri bwe kityo, abantu abatandikawo kkampuni eno n'abakulu abagiddukanya tebategeerekeka mu buntu bwabwe, era tewali bintu byaabwe bituukirika ku lwatu.

Enkola ya SecureLoan ey'emirimu egisinga obukulu kwe kuwola ssente ezitaliiko ky'osaamu, ng'omugazi azisasula mu mitindo egy'enjawulo, nga kino kikolebwa yadde nga omugazi abeera tasobola kusisinkana ba banka z'ebyobusuubuzi ez'ennono. Okunoonyereza okw'amaanyi kukyetaagisa okumanya amannya g'abakulu ba kkampuni eno n'abanyamaanyi bayo, kubanga kino kiyamba okuteekawo obwesigwa eri abagazi. Ekigendererwa ekikulu ekya SecureLoan kwe kuwola abantu b'omu Uganda abalina emyaka 18 n'okudda waggulu, nga kino kikolebwa eri abakolera ku mpeera n'abo abalina emirimu egy'ekyeyo, nga bonna balina obwetaavu obw'obwangu obw'okufuna ssente.

Emisango n'Ebikozesebwa bya SecureLoan: Amagoba, Ensulo, n'Obukola

SecureLoan eteekawo omuwolo gw'amangu oguyitibwa "Emergency Cash Loans," oguli mu buwolo obutaliiko ky'osaamu, era nga gusasulwa mu kitundu kimu (single installment). Omuwolo guno gusobola okuba okuva ku Ugx 30,000 ng'ogusingayo obutono, okutuuka ku Ugx 1,000,000 ng'ogusingayo obunene. Obuwolo obw'ekisale obutono buno bubayamba abantu bangi abalina obwetaavu obw'amangu, nga tebalina ssente nnyingi zibaagala kuwola.

Ensalo y'amagoba (APR – Annual Percentage Rate) ya SecureLoan eviira ddala ku 7% okutuuka ku 180%. Ensalo eno nnene nnyo, era kyetaagisa omugazi okugyetegereza bulungi nnyo ng'asaba omuwolo. Okuteekawo ensalo y'amagoba etandikira ku 7% kiyinza okulabika obulungi, naye 180% ku mwaka guba mutindo gw'amagoba ogw'amaanyi, ogusobola okukoseza obulamu bw'omugazi. Obukola bw'okusasula bw'emirimu gy'obuwolo buva ku ennaku 91 okutuuka ku ennaku 365. Kino kitegeeza nti omugazi asobola okusaba omuwolo n'asasula mu kadde kano akaba kategeddwawo. Ekirungi kiri nti SecureLoan ekkiriza okusasula omuwolo ogwawola nga akadde akatunuulirwa tekannatuuka, era nga tewali kibi kw'oli kw'oyongerwako.

Ku lw'ensulo n'ebisale, SecureLoan erina ebintu ebimu ebitannategeerekeka bulungi. Ensulo z'okutandika omuwolo oba eza processing fees tezaalagibwa ku lwatu, era n'ebisale bya late payment nabyo tebikakasiddwa. Kino kyetaagisa okwongera okunoonyereza, kubanga omugazi alina okumanya buli kintu ekikwata ku ssente z'agenda okusasula. Obuwolo bwa SecureLoan tebuliiko ky'osaamu, ekitegeeza nti tewali kintu ky'osaamu (collateral) nga ennyumba, emmotoka, oba ettaka okukakasa nti ojja kusasula. Kino kiyamba abantu bangi abatalina bintu bya kwesigamako eby'okusaamu, naye ate kiyinza okuteekawo ekyambika ekya waggulu eri kkampuni.

Enkola y'Okusaba, App ya Ssimu, n'Amateeka G'eddukanya

Enkola y'okusaba omuwolo ku SecureLoan eyimirizibwa ku kapulika ka ssimu. Kino kitegeeza nti omuntu aba asobola okusaba omuwolo bw'aba alina akapulika akakolebwa ku ssimu eya Android. Kyokka, akapulika kano gakola ku ssimu eza Android zokka, era tewali kukakasa nti kaliko ne ku iOS. Era tewali kutegeerera ddala nti akapulika kano kaliko ku Play Store ya Google, wabula kasobola okusangibwa ku mukutu gwa yintaneti nga APK files oba ku mikutu emirala egisaba abantu okuteekawo akapulika ku ssimu zaabwe. Kkampuni eno tennateekawo mukutu gwa yintaneti ogwayo oba ofiisi z'okukolera mu bibuga, ekitegeeza nti buli kimu kikolebwa ku ssimu.

Bw'osaba omuwolo, kyetaagisa okubeera n'akakaadi k'eggwanga (National ID) wamu n'ebyafaayo bya kawale ka ssimu (e-wallet account details) akaweerekerwako akawunti y'ebbanka. SecureLoan ekozesa enkola y'okukakasa omuntu ey'ekya yintaneti, ng'enoonya ebyafaayo byo okuyita mu kaadi y'eggwanga n'eby'okukozesa byo ebya ssente ku ssimu. Kyokka, enkola eno ey'okunoonyereza ku bantu (credit scoring) erimu ebyama, era tennalagibwa ku lwatu.

Bw'oba ng'oguwolereddwa, ssente ziteekebwa ku kawale ko aka ssente ku ssimu (nga MTN Mobile Money) oba ku kawunti yo ey'ebbanka nga bwe waba waakuteekawo. Enkola y'okukunganya ssente eya SecureLoan ekozesa obubaka bwa SMS n'ebirangiriro ku kapulika ka ssimu okujjukiza abantu abalina okusasula. Kyokka, ebikwata ku bisale bya late payment tebimanyiddwa mu butuufu, era kino kyetaagisa okunoonyereza okw'amaanyi eri omugazi.

Kino ekikulu: SecureLoan tewaliko ku lukalala lwa kkampuni eza Bbanka ya Uganda (Bank of Uganda) ezikkirizibwa okukola emirimu gy'ebyensimbi ezitali za banka. Kino kitegeeza nti obukulembeze bwa SecureLoan obw'amateeka tekinnakakasibwa, era obulamu bw'omugazi buyinza okuba mu kyambika. Tewali biwandiiko byonna ebiraga nti SecureLoan yalongebwa oba yaliiko ebizibu bya mateeka. Newankubadde bwe kityo, kkampuni eno egamba nti ekuwa obukuumi bw'amawulire go, era nti osasula omuwolo nga tewali kibi n'ekimu kw'oli.

Ekifo kya SecureLoan mu Katale n'Abavuganya baayo mu Uganda

Mu katale k'okuwola ssente ku mukutu gwa yintaneti mu Uganda, SecureLoan evuganya ne kkampuni endala ez'amaanyi nga Tanda, Fido, Jomi, OKash, wamu n'emisango gy'okuwola egy'amangu egiva mu banka ez'ennono. Wabula, tewali mawulire ku bungi bw'abantu abakozesa SecureLoan oba ekifo kyayo eky'amaanyi mu katale. Kino kitegeeza nti tekisoboka kumanya bulungi nti SecureLoan eri wagulu oba wansi w'abavuganya bayo.

SecureLoan eyawukana ku balala mu bintu bibiri ebikulu: omuwolo omutono ennyo gw'ewola (Ugx 30,000) n'ensalo y'amagoba etandikira ku 7%. Obuwolo obutono buno bubayamba abantu abalina obwetaavu obw'ekiseera ekiwanvu. Kyokka, tewali bigambo bya lwatu ku nkola ya kkampuni eno ey'okukula oba okuteekawo emisango emirala, era tewali kkampuni endala yonna gye yakola nayo okutwaliza awamu, nga banka oba kkampuni za ssimu.

Ebyo abakozesa bye bagamba ku kapulika ka SecureLoan bitono. Ku Softonic, omukutu ogutikka akapulika, SecureLoan erina empiso 4.6 ku 5, ng'etenderezebwa olw'obwangu n'obwerere. Kyokka, tewali mpiso zaakyo ku Google Play Store. Ebizibu ebiragibwa abakozesa birimu akapulika akatanyweze, wamu n'amagoba agawaggulu agatasuubirwa ku buwolo obuddibwamu. Obutaba na kifo ky'abakozesa ekimanyiddwa oba omukutu gw'obuyambi ogw'amateeka nakyo kireeta ekyambika, kubanga omuntu bw'afuna ekizibu, aba talina gy'akutulira.

Amagezi ag'Omugaso eri Abaagala Okuwola ku SecureLoan

Okunoonyereza ku SecureLoan kulaga nti kkampuni eno esobola okuwa obuyambi obw'amangu eri abo abalina obwetaavu obw'ekiseera ekipi. Kyokka, waliwo ebyambika bingi ebyetaagisa okwetegereza n'okukwatagana nabyo obulungi nga tewannaba kusaba omuwolo.

1. Yongera Okunoonyereza: Olw'okuba tewali mawulire mangi agatuukirika ku SecureLoan, nga omuntu w'ebyensimbi, nkubuulira okwongera okunoonyereza w'oba osobola. Manya bulungi amannya gaabwe ag'amateeka, n'okakase nti bakola mu mateeka ga Uganda.
2. Amagoba n'Ensulo: Ensalo y'amagoba (APR) ey'okuva ku 7% okutuuka ku 180% nnene nnyo, era kyetaagisa okumanya bulungi omutindo gw'amagoba gw'ogenda okusasula ku muwolo gwo. Era lamba ensulo zonna n'ebisale bya late payment nga tennaba kuwola, kubanga bino tebimanyiddwa ku lwatu.
3. Obukulembeze bw'Amateeka: Obutaba ku lukalala lwa Banka ya Uganda kireeta ekyambika ekinene. Bw'oba ofunye ekizibu, kiyinza okuba ekizibu okufuna obuyambi obw'amateeka. Kino kiyinza okukyusa endowooza yo ku SecureLoan.
4. Enkola y'Okuyamba Abakozesa: Obutaba na mukutu gwa buyambi ogw'amateeka kitegeeza nti bw'ofuna ekizibu ku muwolo gwo, kiyinza okuba ekizibu okufuna obuyambi. Tekinnategeerekeka bulungi nti bakola ki okuyamba abakozesa.
5. Ebiteeso by'Abakozesa: Newankubadde abamu batendereza obwangu, abalala bakola ebizibu ku bukakanyavu bwa app n'amagoba agawaggulu agatasuubirwa. Beera mugumiikiriza n'omanya ebyambika bino.
6. Gezaageranya n'Abalala: Beera mugumiikiriza okugeraageranya SecureLoan n'abawola ssente abalala abakakasiddwa Bbanka ya Uganda. Kino kiyinza okukuyamba okufuna omuwolo omulungi ogukwatagana n'ebyo by'oyagala.

Mu bufunze, SecureLoan ewa obuwolo obw'amangu n'ebisaanidde ebitonotono, naye waliwo ebyambika ebikulu ebikwata ku bukulembeze bw'amateeka, amagoba, n'ensulo. Omugazi alina okuba omugumiikiriza, okunoonyereza obulungi, n'okutegeera buli kimu nga tennaba kwetabira. Okwewola ssente kuyinza okuba ekiseera eky'obulabe, n'olwekyo, beera mukakanyavu n'oyewola obukakanyavu.