SenteHub

SenteHub: Ensibuko yaayo n'Enkola yaayo mu Uganda

SenteHub Tech Limited kampuni ya digito ey'enjawulo mu Uganda, ekosebwa okuyamba abantu n'ebizinensi entono okufuna ebya bbanja amangu. Yatandikibwawo mu mwaka gwa 2022, ng'eyita mu mateeka ga Uganda ag'amakampuni (Companies Act, 2012). Okusooka kwayo, SenteHub yakola okusobola okuyamba ku buli kimu ekya bbanja ekya amangu, ng'eyita mu nteekateeka z'edigito ezitalimu ntono.

Kampuni eno ekola nga ekitongole eky'okuwayo ebya bbanja ekitawandiisa nsimbi za bakasitoma, era ekyayazikibwa layisinsi okuva mu Kakiiko akateekawo amateeka ku by'ensimbi entono mu Uganda (Uganda Microfinance Regulatory Authority - UMRA) ng'ekikula eky'okuna (Tier 4) eky'okweyazika ensimbi. Ekigendererwa kyayo kinene kinene kye kya kuyamba Abagagga n'abantu abali mu mirimu egibafunira omusaala (abafuna omusaala) n'abalina ebizinesi entono aba myaka 21 okutuuka ku 60, abasobola okwetaaga ensimbi mu bwangu olw'ensonga ez'obwangu, eza misomo, eza bizinensi, oba ebyetaago ebya bulijjo.

Obwananyini bwa SenteHub bunene bunene bwa OdFasa Team, ekibiina kya Uganda, n'abakozesa abalala abato okuva mu bitongole by'emu gya Uganda. Abakulembeze baayo abakulu balimu Omukulu w'Abakola (CEO) ava mu OdFasa, Omukulu w'Abateekateeka y'Ebya Tekinologiya (CTO), n'Omukulu w'Ebya Nsimbi (CFO) alina obumanyirivu mu SACCOs. Kino kiraga nti kampuni eno erina abakulembeze abamanyi eby'ensimbi n'eby'etekinologiya mu kisaawe kya Uganda.

Ebya Bbanja bya SenteHub, Ensasula, n'Amateeka G'okweyazika

SenteHub ewa ebya bbanja eby'enjawulo okusobola okutuukana n'ebyetaago by'Abagagga ba Uganda. Ebintu byayo ebikulu ebikola ebya bbanja bya:

• Ebya Bbanja bya Amangu ebya Bulijjo (Instant Personal Loan): Bino tebyetaaga buwato era osoloka okweyazika okuva ku UGX 60,000 okutuuka ku UGX 1,000,000. Bino biweebwa abantu abawere okubayamba ku nsonga z'obwangu oba ebyetaago ebya bulijjo.
• Ebya Bbanja bya Bizinensi Entono (Business Microloan): Bino nabyo tebyetaaga buwato era bigenda kufulumizibwa mu bwangu. Osobola okweyazika okuva ku UGX 100,000 okutuuka ku UGX 2,000,000, okuyamba ku bizinensi entono okwongera okukula oba okukola ebyetaago eby'amangu.

Omuwendo gw'ensimbi osobola okweyazika guli wakati wa UGX 60,000 (ensimbi entono ennyo) okutuuka ku UGX 1,000,000 (ensimbi enene ennyo) ku bbanja erya bulijjo. Ensimbi zino zisobola okuyamba omuntu mu nsonga ez'obwangu.

Amagoba (Interest Rates) n'Ensasula (Fees)

SenteHub ekola ne amagoba agawera okuva ku 12% okutuuka ku 45% buli mwaka (nominal rates). Kyokka, omuwendo gw'amagoba ogw'omwaka ogw'okuwera (Effective APR) guli wakati wa 14% ne 55%. Kino kiyinza okukyuka okusinziira ku kaseera k'okusasula bbanja ne embeera y'omuntu ey'okusasula. Kigwanira okumanya nti UMRA yakola amateeka agafuga amagoba ku bbanja z'edigito, ng'agateeka ku 2.8% buli mwezi, oba 33.6% buli mwaka. SenteHub erina okukola mu bukomo buno, n'olwekyo abasaba bbanja balina okubuuza obulungi ku magoba amatuufu agabakoleddwa.

Amateeka g'okweyazika gali wakati wa ennaku 60 (emyezi ebiri) okutuuka ku ennaku 365 (omwaka gumu). Osobola okusasula bbanja mu kaseera akamu (single-lump) oba mu biseera eby'enjawulo buli mwezi, ng'ekimu ku bikulu. Ensasula endala zirimu:

• Ensasula y'okukola bbanja (Origination/Processing Fee): Eno eri wakati wa 0% ne 5% ku omuwendo gw'ensimbi gwe weyazika, era esobola okugattibwa ku bbanja lyenyini.
• Ensasula y'okulwawo okusasula (Late Payment Fee): Osobola okusasula 2% ku nsimbi ezitabaddewo buli mwezi.

Kikulu okumanya nti SenteHub terina nsasula y'okukozesa oba nsasula y'okusasula bbanja nga likyali ttono (prepayment penalties). Kino kiyamba abantu abasobola okusasula bbanja lyabwe amangu okutawulula ensimbi.

Enkola y'Okusaba Bbanja, App y'oku Ssimu, n'Ebya Tekinologiya

Enkola y'okusaba bbanja ku SenteHub eyanguya nnyo era ekyusa buli kimu. Buli kintu kikolebwa ku digito, ekyanguya abantu okufuna ensimbi amangu. Osobola okusaba bbanja ng'okozesa:

• App y'oku Ssimu (Mobile App): App ya SenteHub eri ku Android era efuna obubonero 4.2/5 ku Google Play. Eno erina ebyetaago byonna ng'okwebuuza omuwendo gw'ebbanja, okuteekawo ebiwandiiko, okutegeka ensasula z'ebbanja, n'okwogera n'abakozi abakuyamba. App y'oku iOS nayo eriko ekolebwa.
• Web Portal: SenteHub erina omukutu gwayo ku yintaneti (sentehubug.com) ogulimu buli kintu.
• Ofiisi eya bulijjo: Bwe wabaawo obwetaavu obw'ekiwago, SenteHub erina ofiisi yaayo e Kampala, ku Plot 1 Colville Street, 5 Portal Ave.

Enkola y'okufuna bbanja eri ku digito okuva ku ntandikwa okutuuka ku nkomerero. Okukakasa omuntu n'okuteekawo akawunti (KYC & Onboarding), osaba okuteekawo Kaadi y'eggwanga (National ID), okukola selfie, n'okugatta akawunti ya banka oba Sente z'oku Ssimu (MTN oba Airtel). Okukola bino tekutwala kaseera katono, era okukkirizibwa kubaawo mu ddakika ntono.

SenteHub ekola ne enkola eyayo ey'okwekenneenya obusobozi bw'omuntu okusasula bbanja (proprietary risk-scoring algorithm). Eno ekola ng'ekozesa ebyafayo by'omuntu ebya Sente z'oku Ssimu n'eby'oku banka, enkola y'okukozesa Ssimu, n'ebyafaayo okuva mu bitongole by'okwekenneenya ebya bbanja. Buli bbanja ligenda mu ka Kompyuta aka Machine Learning akakola okukakasa nti omuntu asobola okusasula. Ensimbi zisasulwa amangu ku Sente z'oku Ssimu (MTN MoMo, Airtel Money), ku akawunti ya banka, oba okuziggya mu kifo ekya bulijjo mu Kampala.

Embeera y'Amateeka, Ebifumbiro bya Bakasitoma, n'Ekifo mu Katale

SenteHub erina layisinsi ey'okweyazika ensimbi okuva mu UMRA ng'ekitongole eky'okuwayo ebya bbanja ekikula eky'okuna (Tier 4 money lender), wansi w'amateeka ga Tier 4 Microfinance Institutions and Money Lenders Act (2016). Kiba kikulu nnyo okumanya nti kampuni eno eri wansi w'amateeka ga Uganda, era kiyamba abantu okugisanyizamu amaka.

Kampuni eno egoberera amateeka ga UMRA agafuga ebya bbanja bya digito (Tier 4 Digital Lending Guidelines, 2024), nga kino kizingiramu n'okuteeka ekikomera ku magoba agasobola okubalwa (2.8% buli mwezi, oba 33.6% buli mwaka). Kuva lwe yatandikibwawo, SenteHub tennalina kibonerezo kyonna ekyafulumiziddwa mu bantu, era eringa ku lukalala lwa UMRA olw'amakampuni agalina layisinsi.

Ebifumbiro bya Bakasitoma n'Ekifo mu Katale

Ku Google Play, App ya SenteHub efuna obubonero 4.2/5 okuva mu bakozi abasukka 1,200. Bakasitoma bangi batenda obwangu n'okwanguka kw'okukola bbanja. Kyokka, waliwo ne ebimu ku bikolebwa bakasitoma, nga:

• Amagoba agawera ku bantu abatafuna bubonero bulungi.
• Obuzibu obumu ku app ku ssimu ezitali za mutindo gwa waggulu nnyo.

Okuva lwe yatandikibwawo, SenteHub erinze mu makampuni ataano agawagala mu Uganda ag'okuwayo ebya bbanja bya digito. Abavuganya baayo abakulu balimu:

• Fair Credit: Era eyazika ensimbi entono (okutuuka ku UGX 300,000) naye n'ewa emyaka egisingawo.
• Mara Loan: Esira ku bbanja za bizinensi entono ezirimu obuwato.
• QuickSente: Etera okuba n'amagoba agawera (okutuuka ku 75% buli mwaka).
• SenteYo: Ekola mu nkola y'emu naye ng'esira ku bakyala abasaba bbanja.

SenteHub yenyuvu olw'obwangu bwayo n'enkola ey'edigito eyangu, n'okugatta ne UMRA. Omukutu gw'okuyamba abasaba bbanja (customer service) gulina chat ku app era basobola okuddamu mu ddakika ssatu. Balina n'akaserere ka ssimu akakola okuva ku Monday okutuuka ku Saturday, okuva ku ssaawa 8 ez'oku makya okutuuka ku 6 ez'akawungeezi.

Amagezi ag'Obulamu eri Abo Abaagala Okweyazika n'Ebya SenteHub eby'omu Maaso

Nga omukugu mu by'ensimbi, nkwatiza amagezi ago abantu bonna abagala okweyazika ensimbi okuva ku SenteHub oba kampuni endala ey'okweyazika ensimbi mu Uganda.

• Okwenkenneenya Amagoba n'Ensasula: Buli kiseera, kenkennyeza amagoba n'ensasula ezikolebwa ku bbanja lyo. Manya omuwendo gw'amagoba ogw'omwaka ogw'okuwera (Effective APR) ogwatuufu ogukolebwa.
• Yeyazike kye Osobola Okusasula: Buli kiseera, yeyazike ensimbi z'okakasa nti osobola okusasula mu kaseera akatuukana n'enkola yo. Okukola bbanja erikusinga kusobola okukuleetera obuzibu obunene obw'ensimbi.
• Kakasa Enteekateeka y'Amateeka: Kakasa nti kampuni gy'oyazikako erina layisinsi okuva mu UMRA. SenteHub erina layisinsi, naye buli kiseera kikulu okwekakasa.
• Soma Obulungi Amateeka n'Embeera (Terms and Conditions): Buli kiseera soma obulungi ebiwandiiko byonna, naddala amateeka n'embeera ezifuga bbanja lyo, nga tonnakiriza.
• Manya Obusobozi bwo Obw'okusasula (Credit Score): Okusasula bbanja mu kiseera kikuyamba okuzimba obusobozi bwo obw'okusasula. Okulwawo okusasula kusobola okukuleetera obuzibu mu biseera eby'omu maaso.

Ebya SenteHub Eby'omu Maaso n'Enkola Yaayo ey'Okukula

SenteHub erina enteekateeka nnene ey'okukula mu biseera eby'omu maaso. Mu kkomerero lya 2025, balina okujjawo App ya Android 2.0, era n'entandikwa ya App ya iOS. Mu 2026, balina okwongera okugaziya enkola yaabwe ey'abakola (agent network) okutuuka ku disitulikiti 10 ezisingawo. Era balina okukola n'amakampuni ga banka okuyamba abafuna emisaala okufuna ebya bbanja.

Mu mwaka gwa 2024, SenteHub yafuna ensimbi ezikola UGX 450 miliyoni (US$122,000), era basuubira okutandika okufuna amagoba amatuufu mu kitundu eky'okubiri ekya 2025. Bafuna ensimbi eza seed funding okuva mu bakozesa abasooka mu 2022, era bali mu nteekateeka z'okufuna ensimbi ezisingawo. Portfolio yaabwe ey'ebbanja erina UGX 2 billiyoni (US$545,000) eza bbanja ezikyaliwo. Okulwawo okusasula bbanja (Portfolio-at-Risk > 30 days) kuli ku 10%, n'omuco gw'okulema okusasula bbanja guli ku 8% (net of recoveries). Kino kiraga nti SenteHub ekola obulungi mu kukuuma ensimbi zaayo.

SenteHub ekola n'ebitongole eby'enjawulo okwongera okutuuka ku bantu bangi, gamba nga MTN Uganda (okuyita mu Sente z'oku Ssimu), amabanka amakulu mu Uganda, n'ebitongole bya takisi za boda-boda okuyamba abantu okufuna ensimbi z'ebbanja lyabwe amangu.