Imali kaphethiloli ephiwa kuqala
Gcwalisa khathesi ubusubuyisela kusuka enkokhelweni ezimbalwa ezilandelayo. Ilinganiswa ngalokho ovame ukukuthola ngeviki, hatshi ngalokho othemba ukukuthola.
ThumaCredit
Khulisa inzuzo yakho. Khokha ngalokho okuzuzayo.
Isikweledu built for people whose income arrives in small amounts, often — drivers, couriers and traders. Advances are scored from what you actually do on the platform, repaid automatically from future payouts, at one flat cost shown in full before you accept.
Intengo eyodwa, evezwa ekuqaliseniKubuyiselwa kusuka enkokhelweniAkulakwandiswa kwenzalo
Ukuchasiswa kwemali ephiwa kuqala — isiboneloIsibonelo
Othola khona lamuhla$50.00
Intengo eyodwa (8%)$4.00
I-IMTT (2%, yomthetho)$1.00
Kususwa enkokhelweni nganye (inkokhelo ezi-5)$11.00
Konke okubuyiselwayo$55.00
Intengo eyodwa. Akulakwandiswa kwenzalo, akulakudluliselwa phambili, njalo akulanhlawulo ekhulayo ungakhangele. Ukubuyisela masinyane akwandisi indleko.
Esikunikezayo
Isikweledu esilungiselelwe umsebenzi
Ukulungiswa kwemota
Okuvikelwayo a repair that would otherwise stop you working. Paid to the garage directly where that is the faster route back on the road.
Imali yokusebenza
Imali yesikhathi esifitshane yabathengisi lamabhizimusi amancane alomlando kuplatform, ebuyiselwa kusuka emalini engenayo esikhundleni salelo lelolanga elimisiweyo lenyanga.
Imali ephiwa abathengisi kuqala
Kumabhizimusies collecting through ThumaPay, an advance against future collections, repaid as a share of each day's takings.
Imali yomholo ephiwa kuqala
Abaqhatshi bangavumela abasebenzi bathathe imiholo asebeyisebenzele usuku lokukhokhwa lungakafiki, indleko itshengiswa kumsebenzi engakayithathi.
Ukuxhaswa ngemali kwempahla
Ukuxhaswa ngemali kwesikhathi eside okusekelwe yimpahla, kuya emoteni kumbe emitshinini, lapho impahla ngokwayo isekela lesosivumelwano.
Ukuthenga khathesi ukhokhe muva ekukhokheni kuyingxenye yohlelo olufananayo, njalo kuzaqalisa nxa ilayisensi yemali encane isinikiwe lokuvezwa kwesikweledu sabathengi sekwakhelwe endleleni.
Ukuhlola isikweledu
Kulinganiswa ngalokho okwenzayo, hatshi omaziyo
Ukubalwa kwamamaki esikweledu kwendulo kwehlulekela abantu abangelamlando webhanga lephepha lomholo. Umsebenzi okuplatform luphawu olungcono, njalo sesilalo — ngemvumo, njalo ngenxa yalinjongo.
Umlando okuplatform
Uhambo kumbe ukuthunyelwa kwempahla okuqediweyo, ukuqhubeka kwemali, ukukhanselwa lamamaki ngokuhamba kwesikhathi — ubufakazi bendlela yokusebenza, hatshi isithombe sesikhathi esisodwa.
Imininingwane yokuhamba
Imininingwane yendlela lomsebenzi osuwenziwe ezinkonzweni zeThuma, esetshenziswa ukuhlola ukuthi imali ephiwa kuqala ingabuyiselwa yini ngemali eyiyo etholakalayo.
Indlela yokubuyisela
Ukuthi imali ephiwe kuqala ngaphambili yabuyiselwa njani. Ukubuyisela kuhle kukhulisa umkhawulo wakho; ukuphuthelwa yikubuyisela kuwehlisa kungakabi yinkinga.
01
Ucela imali
Ngaphansi komkhawulo osubaliwe kusukela emsebenzini wakho. Ubona umkhawulo ungakaceli, ngakho akulasicelo sokuthelela.
02
Indleko itshengiswa igcwele
Imali, intengo eyodwa, umthelo womthetho, okususwayo enkokhelweni nganye lakho konke okubuyiselwayo — esikrinini esisodwa, ungakamukeli.
03
Imali ifika khonapho
Imali evunyiweyo ingena esikhwameni sakho seThumaPay khonapho, ngoba imali kaphethiloli efika kusasa kayisizi lutho.
04
Ukubuyisela kwenzeka ngokwakho
Ingxenye emisiweyo yenkokhelo nganye ithathwaize imali iphele. Ibhalansi eliseleyo liyabonakala loba nini.
Ukweboleka ngokuzikhathalela
Imithetho esizibophezela kuyo
Esizakwenza
Ukutshengisa indleko yonke ngemali ungakamukeli. Ukulinganisa imali ephiwayo ngemali etholakalayo eboniweyo. Ukubeka umkhawulo walokho umuntu oyedwa angaba lakho ngesikhathi esisodwa. Ukukuvumela ubuyisele masinyane ngaphandle kwenhlawulo. Ukukutshela nxa isicelo salahlwa, lokuthi kungani.
Esingasoze sikwenze
Ukudlulisela imali engabuyiselwanga kwenkulu. Ukwandisa izintengo phezu kwezintengo. Ukukhokhisa inhlawulo ekhula ithule. Ukukhangisa esinye isikweledu kumuntu olomlando otshoyo ukuthi kakumelanga asithathe. Ukubiza into ngokuthi yisikweledu iyilapho yakhiwe njengemali ephiwa kuqala.
Lapho esikhona
IThumaCredit lamalayisensi
Isikweledu products fall under the microfinance licence being sought from the Reserve Bank of Zimbabwe. Nothing is lent until that is granted.
Reserve Bank of Zimbabwe
Umniki weNkonzo yeNkokhelo (PSP)
National Payment Systems Act [Chapter 24:23]
Reserve Bank of Zimbabwe
Umkhiphi weMali yeGetsi (EMI)
National Payment Systems Act [Chapter 24:23]
Reserve Bank of Zimbabwe
Ilayisensi yemali encane
Microfinance Act [Chapter 24:29]
IPEC
Ukubhaliswa komenzeli womshwalense
Insurance Act [Chapter 24:07]
Reserve Bank of Zimbabwe
Imali encane eyamukela imali egcinwayo (DTMFI)
Microfinance Act [Chapter 24:29]
ThumaPay Zimbabwe (Pvt) Limited khathesi kayigcini imali yamakhasimende njalo kayiniki izinkonzo zemali ezilawulwa ngumthetho. Inkonzo nganye echasiswe kule isayithi izanikwa kuphela nxa imvumo efaneleyo isinikiwe. Izinombolo zamalayisensi zizabhalwa lapha nxa sezikhitshiwe.
Imibuzo
Mayelana lezikweledu zesikhathi esifitshane
Kwakhiwe njengemali ephiwa kuqala ngaphansi kwemali ezatholakala kuplatform, ebuyiselwa ngokwayo kuleyomali. Sisebenzisa amazwi athi imali ephiwa kuqala ngoba yikho okuyikho, njalo sitshengisa indleko ngemali esikhundleni sokuyifihla ezingeni lenzalo.
Intengo eyodwa emalini ephiweyo, etshengiswa ngemali ungakamukeli, kanye lomthelo womthetho otshengiswa wodwa. Isibonelo kulelikhasi sitshengisa umumo; amanani aqotho azabekwa nxa ilayisensi isinikiwe.
Ngoba ukubuyisela kuyingxenye yalokho okutholayo, iviki elingelamsebenzi litsho ukubuyisela okuncane esikhundleni sokuphuthelwa yinkokhelo. Nxa uyekela ukuthola imali lakanye, sithinte — singakhetha ukuhlela kutsha kulokutshiya ibhalansi lihlale likhula.
Hatshi. Imali ephiwa kuqala kayiguquli ukwabiwa kwemisebenzi kuloba yiphi iplatform yeThuma. Ukwebolekisa lokwabiwa kwemisebenzi kugcinwa kwehlukene ngabomu.
Ekuqaliseni, abatshayeli labathengisi abaqinisekisiweyo abalomlando owaneleyo kuplatform ukuze amamaki abe lengqondo. Abanye abanengi bazalandela nxa uhlelo selubonakele lusebenza.
Imali yokusebenza, nxa sesivunyelwe
Tshengisa ukuthi uyafuna njalo sizakutshela ukuthi umkhawulo wakho unjani nxa iThumaCredit isivulwa.