TakeNow

Omuteeko Gw'ekampuni n'Ebyafaayo bya TakeNow mu Uganda

TakeNow kkampuni y'engombo eya digito ey'ekiseera kino ekulembedde mu Uganda, ng'ekola wansi w'ekitongole ekya WeBank Microfinance Company SMC Ltd. Ekigendererwa ky'ekampuni eno kikulu nnyo ku kwesigamya abantu okuba n'essimu ez'amagezi (smartphones) okuyita mu nteekateeka z'okugula mpola mpola, ezimanyiddwa nga "buy now, pay later". TakeNow eweereza abantu abalina emisaala emitono n'egya wakati mu ggwanga lyonna. Enkola y'ekampuni eno ey'okukozesa ssimu ng'eyawula ku balala, n'enkolagana yayo ey'amagezi ne MTN Uganda n'amalina ga Transsion (Tecno, Itel, Infinix), wamu n'enkola yayo eya digito ey'amaanyi, byonna bikoze kinene nnyo mu kukula kw'ekampuni kuno okwangu, ng'enjola y'emikono gya ssimu (app downloads) eggyiridde obukadde obumu n'obutunda obusukka mu 200 mu ggwanga lyonna.

Erinnya Erya Mateeka n'Okuwandiisibwa: Erinnya ly'ekampuni erya mateeka ye WeBank Microfinance Company SMC Ltd, naye ekola ng'eya TakeNow. Yafuna olukusa okuva mu Bank of Uganda ng'ekitongole ky'ensimbi entonotono eky'ekibinja ekya Mirundi esatu (Tier 3 microfinance institution). Ofiisi yaabwe enkulu eri ku luguudo lwa Bombo Road, Nakasero, Kampala.

Omwaka Gwe Yali Yatandikibwawo n'Obwannannyini: TakeNow yatandika mu 2022, ng'entandikwa ey'ekyokulabirako yakolebwa mu Gwomwenda gwa 2022. Obwannannyini bw'ekampuni bwa WeBank Financial Services, ekibinja ky'ensimbi entonotono eky'Abachina, naye ekola mu Uganda wansi w'olukusa lw'ensimbi entonotono olw'omu ggwanga.

Enkola y'Eby'obusuubuzi n'Ekigendererwa: Enkola yaabwe ekulu ku nsimbi ezisasulirwa ssimu ku mpola mpola, wamu n'engombo entonotono ez'obuntu. Bafuna ssente okuva mu ntanda ku nteekateeka z'okusasula mpola mpola, ensako z'okuteekawo engombo, n'enkolagana n'abawa ebya data. Ekigendererwa kyabwe kiri ku Baganda abakulu (abafuna emyaka 18 n'okudda waggulu), abalina emisaala emitono n'egya wakati, abayagala okufuna ssimu ez'amagezi ku muwendo ogugabanya obulungi, n'abasinga ku bano be bafuna ssimu ez'amagezi okusooka mu bitundu by'ebibuga n'ebisikira ebibuga.

Obutereevu bw'Engombo n'Ensako za TakeNow

TakeNow ewa obuwereeza bw'engombo obw'enjawulo, nga bukubirwa ddala ku buli Uganda n'omwengeri gwe babeera n'obwetaago bw'essimu n'ensimbi entonotono. Eno y'engeri TakeNow gy'ekola mu kuwagira abantu okufuna bye beetaaga:

Engombo z'Okugula Ssimu (Device Financing)

• Ssimu zokka: TakeNow ekola ne Tecno, Itel, ne Infinix zokka. Kino kiyamba okukakasa nti abantu bafuna ssimu ezimanyiddwa era ezikozesebwa abangi mu Uganda.
• Ekitandiko Ky'okusooka: Okusaba engombo y'essimu, omuntu yeetaaga okusasula ekitandiko eky'okusooka ekiri wakati w'ebitundu 30 ne 40 ku buli kikumi eby'omuwendo gw'essimu. Ng'ekyokulabirako, bw'oba oguze ssimu ya shs 700,000, osobola okusasula ekitandiko kya shs 210,000 okutuuka ku shs 280,000.
• Ensako Esemezeddwa: Ssente ezisigaddewo okusasula ziba wakati wa shs 420,000 ne shs 490,000.
• Omuwendo gw'Entanda: TakeNow erangirira nti tewali ntanda ey'olwatu ku ssente engombo. Naye, ensako eziteekebwamu mu muwendo gw'okusasula gukola ng'entanda. Kino kitegeeza nti omuwendo gw'entanda ogw'enkomerero (implied APR) gusobola okuba nga guggaana ebitundu 12 ku buli kikumi buli mwaka, ng'engeri y'okukola bw'ekyo bwe kiri mu katale.
• Ekiseera Ky'okusasula: Engombo z'essimu zisasulwa mu myezi 3, 4, 5, oba 6. Kino kiwa abayini engombo obwetaago okusalawo ekibagwanira obulungi.
• Enkola y'Okusasula: Okusasula kukolebwa buli mwezi okuyita mu ssente z'oku ssimu (mobile money) oba enkola ya MTN Pay Mpola Mpola.
• Obukumi: Essimu yennyini y'eba obukumi. Obwannannyini bw'essimu bukyukira ddala eri omuguzi oluvannyuma lw'okusasula engombo yonna. Bw'oba okeredde, essimu esobola okukomekwa okuyita ewala.

Engombo Ez'obuntu Entonotono (Personal Microloans)

• Omuwendo gw'Engombo: Engombo zino ziwerekerwa okuva ku shs 50,000 okutuuka ku shs 500,000.
• Omuwendo gw'Entanda (APR): Gusobola okuba wakati w'ebitundu 15 ne 30 ku buli kikumi buli mwaka, kye kituukana n'engombo entonotono ezisinga.
• Ekiseera Ky'okusasula: Engombo zino zisasulwa mu bbanga ttono, wakati w'ennaku 7 ne 30.
• Obukumi: Tewali bukomi bwa kulabika butuukirivu. Engombo zino zisibuka ku kwesiga kw'ekampuni okuyita mu kusoma ebyafaayo by'omuntu ku mukono gwa digito.

Ensako Endala

• Ensako y'Okuteekawo Engombo: Kitwalibwa nti ensako y'okuteekawo engombo eri wakati w'ebitundu 5 ne 10 ku buli kikumi ku ssente ezisemeddwa.
• Ensako z'Okukerewako: Bw'okerewa okusasula, osasula wakati wa shs 5,000 ne shs 10,000 ku buli kiseera ky'okisasula ky'okeredde, wamu n'ensako ez'olunaku ku ssente ezisigaddewo.
• Ebbya Data eby'Obwereere: Okuyita mu nkolagana ne MTN, ofuna 1 GB ya data ya MTN buli mwezi mu bbanga ly'osasula engombo y'essimu.

Enkola y'Okusaba Engombo, Enteekateeka y'Ekiragiro, n'Okusoma Emeregwano

Okufuna engombo okuva mu TakeNow kyangu era kiyita mu nkola eya digito n'ebitundu eby'enjawulo, ng'ekigendererwa kiri ku kugabanya obwetaavu bw'okuwandiika ebiwandiiko ebingi n'okulekawo obulungi obw'enkola y'edda.

Enkola y'Okusaba

• Emikono gya Ssimu: Okusinga, abantu basaba engombo okuyita mu mukono gwa TakeNow ogwa ssimu ku Android (eguze emmunyeenye 4.5, n'eggyibwako emirundi egisukka mu 100,000).
• Amatunda: Osobola okugenda ku matunda agasukka mu 200 ag'enkolagana ne MTN n'amalina ga Transsion mu ggwanga lyonna.
• Ebyetaagisa: Olukusa lwa Yuganda olulaga obwannakyewa obulaga erinnya lyo n'enkana (National ID) n'ekifo ky'omuntu. Namba ya MTN ekola ey'ekiseera ekyangu etalina buzibu y'esembebwa.
• Enkola: Ojje omukono gwa ssimu oba ogende ku tunda. Okuwa ebyafaayo by'olukusa lwo n'ekifaananyi kyo. Olukusa luggya kukeberwa mangu okuyita mu kika kya kompyuta. Engombo z'essimu zikkirizibwa mu ddakiika ntono. Engombo ez'obuntu zeetaaga okukebera ebyafaayo by'okusasula.

Okusoma Engombo n'Okukebera Obulungi

TakeNow ekola enkola ey'obukodyo obw'omulembe obw'okusoma engombo, ng'ekozesa ebya data eby'enjawulo okusalawo oba omuntu asobola okusasula engombo era n'obulungi bw'okuweerera.

• Ebya Data: Bakoza ebyafaayo by'okukola ssente z'oku ssimu, obukozesebwa bwa ssimu, n'ebya data eby'enjawulo (nga bikoza ebyafaayo by'okusimula ssimu).
• Enkola y'Okusoma: Bakoza enkola ya AI (Artificial Intelligence) ey'abwe kennyini, eggyiddwa okufaanana n'engeri y'okusasula mu Uganda. Kino kiyamba okwawula abantu mu bibinja eby'enjawulo eby'okukkirizibwa mangu oba okweyambira okuwandiika okweyongedde.

Enkola y'Okufuna Engombo n'Okuzisasula

• Engombo z'Essimu: Essimu eweebwa omuguzi ku mangu ddala ng'amaze okusasula ekitandiko. Essimu eba eteekeddwako omukono ogukomaga essimu okuyita ewala.
• Engombo Ez'obuntu: Zikolebwa okuyita mu MTN MoMo oba okusindikibwa ku akawunti ya banka.
• Okukunganika: Ofuna obubaka ku ssimu n'omu mukono gwa ssimu ennaku ssatu nga tennatuuka, ne ku lunaku olutuufu. Bw'okerewa, essimu esobola okukomekwa. Bw'oyita ennaku 30 nga tonnasasula, ebyafaayo byo bisindikibwa ku Credit Reference Bureau.

Obukodyo bwa Tekinologiya, Enkola y'Eby'amateeka, n'Ekifo mu Katale

TakeNow ekoseza tekinologiya okutuuka ku bantu abangi, n'enyweza n'ekifo kyayo mu katale ak'engombo mu Uganda, ng'ekolera wansi w'amateeka agafuga ensimbi.

Omukono gwa Ssimu (Mobile App)

• Pulatifoomu: Gusangibwa ku Android yokka.
• Obubonero Obukulu: Okubala engombo, okukebera eby'okusasula, okukoma ssimu okuyita ewala, n'okufuna obuyambi mu mukono gw'essimu.
• Emmunyeenye: Guli ku munyeenye 4.5 ku Google Play Store.

Enkola y'Eby'amateeka n'Okufuna Olukusa

TakeNow yafuna olukusa olukola ng'ekitongole ky'ensimbi entonotono eky'ekibinja ekya Mirundi esatu okuva mu Bank of Uganda. Kino kitegeeza nti ekolera wansi w'ebiragiro ebyateekebwawo ekitongole ekya Bank of Uganda n'ekya Uganda Microfinance Regulatory Authority (UMRA).

• Okulambula: Bank of Uganda n'UMRA zirambula TakeNow buli kiseera okukakasa nti ekola mu ngeri ey'amateeka.
• Obukuumi bw'Abaguzi: Ekampuni eno erangirira ensako zayo mu butereevu mu mukono gwa ssimu, ekolagana n'amateeka ga Uganda aga Microfinance Deposit-taking Institutions Act, era etwala ebyafaayo by'abantu ku Credit Reference Bureau.
• Ebikolwa by'Amateeka: Tewali bikolwa bya Gavumenti byafulumiziddwa ku TakeNow okutuusa kati.

Ekifo mu Katale n'Abakulembeze

TakeNow yafunye ekifo ekinene mu katale k'engombo mu Uganda, ng'ekoleza ku bukwasi bwayo obw'amagezi n'enkola zayo ez'enjawulo.

• Omugabo mu Katale: Kigambibwa nti erina omugabo ogusukka ebitundu 35 ku buli kikumi ku engombo zonna ez'essimu mu Uganda.
• Obwawule: Ekoleza ku malina ga Transsion (Tecno, Itel, Infinix), tewali ntanda ey'olwatu (ensako ziteekebwamu), n'enkolagana ne MTN ewa data ey'obwereere.
• Abakulembeze: Abakulembeze baayo abakulu bali MTN Pay Mpola Mpola, Airtel Uganda device installment plans, n'emikono gy'engombo entonotono egy'omu ggwanga (nga OKash, eZuka).
• Enteekateeka z'Okukula: Balina enteekateeka y'okuteekawo omukono gwa ssimu ogwa iOS, okugaziya mu bitundu by'ebyalo, n'okuyazika engombo ez'obusuubuzi obutono (shs 1-5 million).

Amagezi Ag'Omugaso eri Abayini Engombo

Nga kakensa w'eby'ensimbi, nkubiriza buli muntu ayagala okukozesa obuwereeza bwa TakeNow okufuba okulaba ng'ategeera buli kimu ku engombo n'ebiragiro byayo. Kino kijja kukuyamba okusalawo obulungi era n'ewandira obulungi eby'ensimbi byo.

• Wetegeke Okutegeera Ebiragiro: Bw'oba ogenda okusaba engombo, soma bulungi ebiragiro byonna, omuli ensako z'okuteekawo, ensako z'okukerewa, n'entanda. Tebissa kimu okutwalibwa ng'entanda erangiriddwa n'ensako ezibaawo mu ngeri etali ya lwatu.
• Ssasula mu Biseera: Fuba okusasula engombo yo mu kiseera ekiteekebwawo. Okukerewa kuyinza okukuleetera okusasula ensako z'okukerewako eziyinza okuggyako ssente zzo ennyingi, wamu n'okukomekwa kwa ssimu yo.
• Tegeera Enkola y'Okukoma Ssimu: Okukoma ssimu okuyita ewala kiragiro kikulu mu TakeNow. Tegeera engeri gye kikola era n'ebizibu byakyo bw'olemererwa okusasula. Kino kiyinza okukulemesa okukozesa ssimu yo.
• Kebera Obuwereeza bw'Abaguzi: Nga bwe kiri mu birowoozo by'abantu abamu, obuwereeza bw'abantu buyinza okuba obuteekiriza buli kiseera. Fuba okukebera obuwereeza bwabwe ng'osaba engombo oba ng'olina eky'obuzibu.
• Geraageranya n'Abakulembeze: Ng'okozesa TakeNow, fuba okugeraageranya obuwereeza bwabwe n'obw'abakulembeze abalala mu katale ka Uganda, gamba nga MTN Pay Mpola Mpola oba Airtel. Kirungi okusalawo ekikugwanira obulungi.
• Yazika Zokka Z'osobola Okusasula: Engombo nsonga nnene. Yazika zokka ssente oba ssimu z'okakasa nti osobola okusasula obulungi, kubanga okulemererwa okusasula kuyinza okukuleetera obuzibu obunene mu by'ensimbi byo mu biseera by'omu maaso.
• Kebera Ebyafaayo by'Abakozesa: Soma ebirowoozo n'ebiragiro by'abakozesa abalala ku mukono gwa ssimu oba ku mikutu gya yintaneti okufuna ekifaananyi ekirungi eky'engeri TakeNow gye ekolamu.

Mu nkomerero, TakeNow ekola ekintu ekikulu nnyo mu kwesigamya abantu abangi okufuna essimu ez'amagezi n'engombo entonotono, nga bwe bafuna engeri eyangu okuyita mu mukono gwa ssimu n'enkolagana n'amalina ag'amaanyi. Naye, nga bwe kiri ku buli nkola y'eby'ensimbi, kikulu okutegera obulungi ebiragiro byonna n'okukakasa nti osobola okutuukiriza obuvunaanyizibwa bwo obw'ensimbi.