Okwanjula Zenka N'Enkomerero Yayo mu Uganda
Zenka Finance – SMC Ltd ye kampuni ey'ayazika ssente ezitakuumibwa ku banka, ekola mu Uganda ng'ewa abantu misira egy'amangu ng'eyambisa enkola z'oku ssimu n'obukugu obw'enjawulo obuyamba okusalawo ku ky'omuntu okubanja. Kampuni eno yafuna layisinsi namba UMRA01914ND okuva mu kibiina kya Uganda Microfinance Regulatory Authority (UMRA) nga 24 Desemba 2018, ekiraga nti ekozesa amateeka agafuga eby'okuyazika ssente mu ggwanga.
Wadde nga enkomerero ya Zenka Digital Limited mu Kenya yatandika mu 2018, Zenka mu Uganda yatandika okukola mu bujjuvu mu 2025. Okutandika kuno kwajja n'obumanyirivu obugenda okuyamba okugabira abantu ba Uganda obuweereza obw'omutindo. Zenka mu Uganda ye ttabi lya Zenka Digital Limited okuva mu Kenya, ekiraga obuyinza n'obukuumi obuli emabega waayo. Enkola y'okukola y'oku ssimu kwokka, ng'ewa abantu misira egy'amangu egitasabirwa kintu kyonna nga tewali kikwata ku katale, ng'eyamba abantu abayagala ssente ez'amangu okusobola okutuukiriza ebyetaago byabwe eby'amangu, oba okwongerako ku bizinensi zaabwe, oba ku byetaago byabwe ebya bulijjo.
Abakulembeze ba Zenka mu Uganda bayambiddwako obumanyirivu obugazi.
Enkola Z'okuwola Ssente n'Engeri Z'okusaba ku Zenka
Zenka ewa abantu obukulembeze obw'enjawulo ku ssente, nga bwenkanyankanyizibwa okutuukana n'ebyetaago bya buli muwoli. Olukalala lw'emisira lw'akoze okusobola okutuukiriza abantu ab'enjawulo:
- Misira g'Emisaala: Gano gaba misira gy'okusasula mu bice bice egigabirwa abakozi ab'omu gavumenti n'ab'omu kampuni ez'obwannanyini. Giyamba okutuukiriza ebyetaago byabwe eby'amangu nga bakozesa emisaala gyabwe egija.
- Misira gy'Okusasula Omulundi Gumu: Gano gaba misira egy'ayazikibwa omulundi gumu n'okugasasula omulundi gumu ku nkomerero y'ekiseera ekiteereddwateereddwa.
- Misira Gy'Obuntu Obutono (okuva ku App): Gano gaba misira egiyazikibwa mu ngeri ennyangu okuyita ku app ya Zenka, nga tegibasabira kintu kyonna ng'obweyamo.
Emitindo gy'Ensimbi, Emisolo, n'Ebisale
Ssente z'oyinza okwazika ziva ku UGX 10,000 okutuuka ku UGX 2,000,000. Ssente z'osobola okwazika ziyinza okulinnya okusinziira ku ngeri gy'osasula misira gyo egy'edda. Emisolo ku misira giva ku 2.45% okutuuka ku 39% ku ssente z'oyazise. Omutindo gw'emisolo buli mwaka (APR) gusobola okuba mu kiseera kya 30% okutuuka ku 4,432%, nga guno gunoonyereza ku bukuvumi bw'omuwoli. Obudde bw'okusasulira misira buba bugenda okutuuka ku ennaku 61, era omuntu asobola okusasula mu kiseera kyonna nga obudde tebunagwa. Enkolagana eno tewabako ssente z'okusasula ku kutandika okwazika, naye wabaawo emisolo ku kulemererwa okusasula mu budde, ng'emirundi egimu guba gumu n'emitindo gy'emisolo.
Enkola y'Okusaba Ssente n'Okusasulira
Okusaba ssente ku Zenka kwangu nnyo era kusobola okukolebwa okuyita mu ngeri ez'enjawulo:
- App y'oku Ssimu: App ya Android etuukirirwa ku Google Play Store (eriko abantu abagikozesa abasukka 10,000).
- Mikutu gya Kompyuta: Osobola okukozesa omukutu gwabwe, zenka.co.ug.
- Ekitebe: Balina ekitebe ku Uganda House, Kampala, era n'abantu abakola ku nnyingo z'essimu.
Okusaba ssente kulimu okukakasa erinya ly'omuntu okuyita mu SMS n'ebikwata ku ssimu ye, awamu n'okuwa endaga muntu ey'eggwanga n'ennamba y'essimu ekolagana ne Mobile Money. Zenka ekolera ku mateeka g'eby'obukugu obw'enjawulo (AI/ML algorithms) okunoonyereza ku bintu eby'enjawulo ng'engeri y'okukozesa ssente ku ssimu, eby'edda eby'okusasula Mobile Money, n'ebikwata ku ssimu y'omuntu okusobola okusalawo ku ky'okumuwa ssente. Ssente zisasulibwa mu bwangu okuyita ku MTN oba Airtel Mobile Money.
App ya Zenka ku Ssimu, Obukulembeze, n'Amateeka Agagifuga
App ya Zenka y'essuula enkulu mu nkoze y'okuyazika ssente. Eri ku Android, n'okufuna ekikompe kya 4.7 ku Google Play Store, ekiraga nti abantu bagyagala nnyo. Ku nkoze ya Android, app eno ekulaga ebintu eby'enjawulo:
- Okusaba ssente mu bwangu.
- Okusobola okwongera obudde bw'okusasulirako misira (ennaku 7, 14, oba 30).
- Okusobola okwongerako ku musira gw'olina.
- Okulinnyisa ssente z'osobola okwazika ng'oli mu app.
Wadde nga ekitebe kyabwe ekikulu kiri mu Kampala, Zenka etuukirira abantu bonna mu ggwanga lyonna okuyita mu nkoze y'oku ssimu. Abagikozesa abasinga obungi ku ntandikwa, abasukka 10,000 abakoze app, bali mu bibuga, abafuna emisaala, n'abasuubuzi abato. Zenka ekolera wansi w'amateeka agafugwa ekibiina kya Uganda Microfinance Regulatory Authority (UMRA), era erina layisinsi namba UMRA01914ND. Ekolera ku mateeka ga Microfinance Deposit-Taking Institutions Act, awamu n'amateeka agafuga ebikwata ku bubudde bw'abantu mu Uganda (Data Protection laws). Tewali ngeri n'emu Zenka gye yabanjiddwa mu butongole olw'okumenya amateeka, ekiraga nti bakola mu ngeri ey'amazima n'obutebenkevu.
Mu kiseera ky'okulwanirira abagula, Zenka ekakasa nti emisolo gyonna giteekebwa mu butongole mu app era n'okuyita mu SMS. Abagula balina obusobozi okukigaana eby'obubudde bwabwe obutagabanyizibwa, era n'ebikwata ku bubudde byabwe byonna bikuumibwa mu ngeri ey'ekyama.
Zenka Okugigerageranya n'Abagivuganya, n'Ebiteeso eri Abayaziki
Mu katale ka Uganda ak'okuyazika ssente ku ssimu, Zenka evuganya ne kampuni endala nnyingi gamba nga Tala, Branch, Okash, Migo, ne GetBoda. Naye Zenka yeyawula ku zino mu ngeri ez'enjawulo. Eteeka essira ku ngeri ey'okubala emisolo okusinziira ku bukuvumi bw'omuntu, okusobola okwongerako obudde bw'okusasulirako misira, tewabako ssente z'okusasula ku kutandika okwazika, n'engeri y'okusalawo ey'amangu ng'eyambisa obukugu bwa AI. Kino kiyamba abantu okufuna ssente mangu nnyo nga tewali kubonaabona.
Kati, Zenka erina akatale akatono akatasukka 5% ku misira gy'oku ssimu mu Uganda, kubanga yatandika dda. Naye erina enteekateeka z'okukula, nga egenda okwongera ku buweereza bwayo, gamba ng'okuyamba abakozi ba gavumenti okusasula misira gyabwe egy'edda. Zenka ekolagana ne kampuni za MTN ne Airtel okusobola okusindika ssente mu bwangu eri abawoli. Era egenda okunoonyereza ku nkolagana ne banka n'aba payroll services okusobola okusala ssente ku mbeera z'emisaala.
Ebiruubirirwa by'Abagula n'Amagezi eri Abayaziki
Abakozesa Zenka bagirumbiza nnyo olw'okuba nti egabira ssente mu bwangu ("mu ddakiika 5") n'okwanguya okwongerako ku misira oba okugyongerako obudde. Naye wabaawo n'okukuluza olw'emitindo gy'emisolo egya waggulu ku misira egy'obudde obutono, awamu n'obuzibu obutono obusangibwa mu app. Zenka erina aba call center (+256 205 479 800) ne email ([email protected]) okuyamba abagula, era bafubira okusalawo ku buzibu mu bbanga lya ssaawa 24.
Eby'okuyiga okuva mu bitonde by'abantu bikulaga nti Zenka eyambye abantu bangi. Ng'ekyokulabirako, omusuubuzi w'ensabbi mu Uganda yalinnyisa eby'okusuubula ku TikTok oluvannyuma lw'okufuna omusira gwa UGX 500,000 okuva ku Zenka. Era n'omulimi w'enkoko yatandika bizinensi ye olw'omusira gwe yafuna okuva ku Zenka, ekimuleetera okufuna ssente ez'okwongerako ku byetaago by'eka.
Nga omunoonyereza w'ebyensimbi, nteesa abayaziki abanaasaba ssente ku Zenka okwefumiiririza ku bintu bino:
- Okwetegereza Emitindo gy'Emisolo: Guno gulina okumanyibwa bulungi, kubanga gusobola okuba gwa waggulu ku misira egy'obudde obutono.
- Okwazika Katonda by'Oyinza Okusasula: Okwazika ssente ezisukka ku gwe gusalira ssente z'osasula kisobola okukuleetera obuzibu obugazi.
- Kozesa Misira ku Byetaago eby'Amazima: Gikozese ku byetaago eby'amangu, oba ku bizinensi eziri obulungi ezifuna amagoba.
- Okwetegereza Ebiragiro By'okwongerako Obudde: Manyi amateeka agafuga okwongerako obudde n'emisolo egiba ku kuno.
- Okuzimba Obukuumi Obulungi: Okusasula misira mu budde kuyamba okulinnyisa ssente z'osobola okwazika mu biseera eby'omu maaso.
Amasiga G'okulwanirira Zenka n'Eby'Obugagga Bwayo
Wadde nga eby'obugagga bya Zenka mu Uganda tebiragibwa mu butongole, kampuni eno ewagirwa nnyo Sun Finance Group, ekibiina ekikulu ekisangibwa ku Nasdaq Baltic. Okufuna kwa Sun Finance Group kwa AS Zenka mu 2023 kulaga obukuumi obw'amaanyi obuli emabega wa Zenka. Kino kiyamba okukakasa nti Zenka erina obusobozi obw'okugaziya n'okuweereza abantu ba Uganda obuweereza obw'omutindo.
Ekigazi ky'emisira gya Zenka tekiragibwa, naye ku ntandikwa ya kampuni, eteeka essira ku ngeri y'okukulembera obuvune, ng'ekozesa obukugu bwa AI okusalawo ku misira n'okukola ku by'okukung'aanya ssente ezisasulibwa. Bagenderera okukuuma omutindo gw'emisira egitali gigenda kusaasulibwa (non-performing loan ratio) wansi wa 5%. Kino kiraga obukugu bwabwe mu by'okukulembera eby'obuvune n'okukakasa nti kampuni ekyusaamu obulungi.
Mu bujjuvu, Zenka ye kampuni ey'oku ssimu ey'ayazika ssente mu Uganda, ng'eyamba abantu okufuna ssente ez'amangu mu ngeri ennyangu era ey'ekyama. N'obukugu bwa AI obugazi, emisira egy'enjawulo, n'okukolera wansi w'amateeka agafuga eby'okuyazika ssente, Zenka eraga nti esobola okukyusa engeri abantu ba Uganda gye bafunamu ssente ez'obuvunaanyizibwa.
