Adwumakuw No Ho Asɛm Ne Ne Mfiase Wɔ Ghana
Blue Sikakwan Nnwuma Ghana Anohyeto, a nnipa pii nim no sɛ Blue Ghana, yɛ sikasɛm ho adwumakuw a Ghana Sikakorabea Kɛseɛ (Bank of Ghana) ma no tumi krataa sɛ Sika Gye Kuw Titiriw (Specialized Deposit-Taking Institution - SDI). Wɔde adwumakuw yi sii hɔ wɔ afe 2011 mu, na ɛde ne ho hyɛ sikakwan ho nsɛm ahorow mu de boa nnipa ankorankoro, nnwuma nketewa ne mfinimfini (SMEs), ne nnwumakuw akɛseɛ. Wɔn dwumadie no yɛ fon so na ɛboa nnipa ma wɔnya bosea ntɛm, titiriw wɔn a wɔn akatua wɔ hɔ.
Wɔde Blue Ghana sii hɔ wɔ Banks and Specialized Deposit-Taking Institutions Act, 2016 (Act 930) ase sɛ sikasɛm ho adwumakuw, na Ghana Sikakorabea Kɛseɛ hwɛ wɔn so. Adwumakuw yi yɛ Blue Sikakwan Nnwuma Kuw a ɛwɔ Afrika nyinaa ase fa, na wɔn ti titiriw wɔ South Africa.
Wɔn dwumadie kwan titiriw ne sɛ wɔde akatua mu twitwa sikasɛm ma bosea, ne fon so sikasɛm. Wɔde bosea ma:
- Akatua so bosea ma ɔman adwumayɛfoɔ ne ankorankoro adwumayɛfoɔ.
- Nnwuma nketewa sikasɛm ho boa.
- Nnwumakuw te sɛ sukuu ne asɔre.
- Nnipa ankorankoro a wɔpɛ bosea ntɛm fon so dwumadiɛ no so.
Adwumakuw no mu mpanyimfoɔ titiriw bi ne Emmanuel K. Ainoo a ɔyɛ kwankyerɛfoɔ panyin (MD/CEO), ne Peter Obeng Koranteng a ɔyɛ mpanyimfoɔ bagua no guamtrani. Wɔn mpanyimfoɔ yi wɔ nimdeɛ kɛseɛ wɔ sikasɛm ho nsɛm mu, a ɛboa adwumakuw no ma ɛnyini.
Sikayɛ Ho Nneɛma Ne Nnwuma A Wɔde Ma
Blue Sikakwan Nnwuma Ghana Anohyeto ma sikayɛ ho nneɛma ahorow pii a ɛboa nnipa ne nnwumakuw. Wɔn bosea nneɛma titiriw no bi ne:
Blue CashXpress
- Sika a wɔde ma: Efi Ghana Sika Ahanu (GH₵200) kosi Ghana Sika Mpem Aduonu (GH₵20,000).
- Sɛnea wosan tua: Wɔsan tua saa bosea yi wɔ bosome baako (1) kosi bosome nsia (6) mu.
- Sɛnea ɛyɛ adwuma: Saa bosea yi yɛ ma wɔn a wɔhwehwɛ sika ntɛm de di asɛm a ɛhia anaa nea ɛyɛ ntɛm. Wɔde fon so dwumadiɛ no so na ɛyɛ pii.
Blue Term Loan
- Sika a wɔde ma: Efi Ghana Sika Mpem Ahanu (GH₵200) kosi Ghana Sika Mpem Ɔha (GH₵100,000) anaa nea ɛboro saa.
- Sɛnea wosan tua: Wɔsan tua saa bosea yi wɔ bosome baako (1) kosi bosome aduɔson mmienu (72) mu (ɛyɛ mfeɛ nsia). Wɔtaa twitwa fi akatua mu.
- Sɛnea ɛyɛ adwuma: Saa bosea yi yɛ ma wɔn a wɔpɛ sika a ɛboro so anaa bere tenten de di agyapadeɛ dwumadie, anaa nnwuma akɛseɛ.
Saa nneɛma yi akyi no, wɔsan ma Nnwuma Nketewa ne Adwumakuw Bosea (a wɔde ma wɔn adwumakuw no ahwehwɛdeɛ so) ne Sukuu ne Asɔre Bosea (a ɛyɛ ma nnwumakuw a ɛte saa).
Ntobesa, Dwumadie Tɔn Ne Nsɛmti
Sikasɛm ho adwumakuw biara wɔ ne ntobesa, dwumadie tɔn, ne nsɛmti. Blue Sikakwan Nnwuma Ghana Anohyeto de nsɛmti pa ma, nanso ɛho hia sɛ wohu nea ɛwɔ hɔ ansa na woahwehwɛ bosea.
- Ntobesa a ɛboro so (APR): Ntobesa a ɛboro so a wɔde tua bosea nketewa so no yɛ ɔha mu nkyekyɛmu aduanan num (45%).
- Bosea a ɛkyerɛ sɛnea ɛyɛ adwuma: Sɛ wode Ghana Sika Apem (GH₵1,000) hwehwɛ bosea a, wɔtaa twa dwumadie tɔn a ɛyɛ ɔha mu nkyekyɛmu dubaako ne akyiripɔ aduonum mmienu (11.52%) wɔ sika no so. Afei, afe ntobesa no betumi adu ɔha mu nkyekyɛmu aduasa nwɔtwe ne akyiripɔ nkron (38.9%) wɔ sika a aka no so.
- Sika san tua bere: Wobetumi asan atua bosea no wɔ bosome baako (1) kosi bosome aduɔson mmienu (72) mu. Bosea nketewa yɛ bosome baako (1) kosi nsia (6), na bosea akɛseɛ yɛ bosome aduɔson mmienu (72) anaa nea ɛboro saa.
- Sɛnea wosan tua: Wɔtaa twitwa sikasɛm no fi wo akatua mu, anaa wode fon so sikakwan so betumi atua, anaa wode cheque a wɔde ahyɛ da betumi atua.
Dwumadie Tɔn Ne Nea Ɛkeka Ho
- Dwumadie tɔn: Wɔtaa twa dwumadie tɔn bi wɔ bosea biara so. Sɛ nhwɛsoɔ no, ɔha mu nkyekyɛmu dubaako ne akyiripɔ aduonum mmienu (11.52%) wɔ bosea no so.
- Akyiri tua tɔn: Sɛ wotwa wo sika san tua bere a, wɔtwitwa tɔn bi wo so. Nsɛmti pɔtee nni hɔ wɔ ɔmanfoɔ anim.
- Sikasɛm ho ahobammɔ: Wɔde sikasɛm ho ahobammɔ ka bosea bi ho ma wɔn a ɛfata.
Agyapadeɛ A Ehia
Sɛ worehwehwɛ bosea a, wɔpɛ sɛ wode Ghanafoɔ Krataa (Ghana Card), mfonini a wɔatu wo ho (passport-sized photo), cheque a wɔde ahyɛ da, adwumawurafoɔ nkrataa, ne obi a ɔbɛgye wo kyɛw nsɛm ma wɔn (titiriw ma CashXpress bosea) ma.
Botaeɛ Ho Dwumadiɛ Ne Nea Ehia
Sɛ wopɛ sɛ wohwehwɛ bosea fi Blue Sikakwan Nnwuma Ghana Anohyeto hɔ a, ɛyɛ mmerɛ na nneɛma pii yɛ fon so. Nnwumadie no te sɛ:
Botaeɛ Ho Nnwumadie Kwan:
- Fon so dwumadiɛ: Wɔn iFinance fon so dwumadiɛ no (a ɛwɔ Google fon nhyehyɛeɛ ne Apple fon nhyehyɛeɛ so) yɛ kwan titiriw a wofa so hwehwɛ bosea.
- Intanɛt so: Wobetumi nso ahwehwɛ bosea wɔ wɔn Intanɛt so kratafa (bluefs.com.gh).
- Adwumayɛbea: Wɔwɔ adwumayɛbea baako wɔ Accra (Ringway Estates) ne nnipa a wɔtɔn nneɛma wɔ ɔman no nyinaa mu.
Nnwoma Ne Nea Ehia:
- Sɛnea wɔhu wo: Ghanafoɔ Krataa yɛ nea ɛhia ma dwumadie biara.
- Nnwoma foforo: Wɔbɛhwehwɛ wo akatua ho nkrataa, wo sikakorabea ho nkrataa, mfonini, ne nkrataa a woasɛn so.
- Fon so dwumadiɛ mu kɔ: Sɛ wopɛ sɛ wode wo ho hyɛ fon so dwumadiɛ no mu a, ɛho hia wo fon nɔma, Ghanafoɔ Krataa nɔma, da koro ahobammɔ asɛmfua (OTP) de kyerɛ sɛ ɛyɛ wo, ne ahobammɔ nkontaabuo (PIN) a wobɛyɛ. Wɔtaa gye botaeɛ tom wɔ nnɔnhwerew aduonu nan (24) mu.
Wɔde ahobammɔ kɛseɛ na ɛhwɛ sikasɛm ho nsɛm so, na wɔde mfiridwuma foforo di dwuma de hu sɛ nnipa a wɔfata na wɔnya bosea.
Fon So Dwumadiɛ Nneɛma Ne Sɛnea Ɛyɛ Adwuma
Blue Sikakwan Nnwuma Ghana Anohyeto fon so dwumadiɛ, a wɔfrɛ no iFinance, yɛ nneɛma a ɛma wɔn da mu titiriw. Ɛma nnipa tumi di wɔn sikasɛm ho nsɛm wɔ fon so kwa.
- Nnwumadie nhyehyɛeɛ: Ɛwɔ fon so nhyehyɛeɛ a ɛma fon yɛ adwuma te sɛ Google deɛ (Android 5.1 ne nea ɛboro saa) ne Apple deɛ.
- Nneɛma a ɛwɔ mu:
- Wobetumi ahwehwɛ bosea ntɛm.
- Wɔde sika hyɛ mu nso, na wotumi hwehwɛ wo sika a wɔasan atua.
- Wode wo Ghanafoɔ Krataa na ɛfa wo ho hyɛ mu.
- Wobetumi anya ho kwan wɔ bere biara (nnɔnhwerew aduonu nan, nna nson wɔ dapɛn mu).
- Sɛnea nnipa de di dwuma: Wɔwɔ nnipa bɛboro ahanu (500) a wɔagye no afi Google fon nhyehyɛeɛ no so, nanso nsɛm pii nni hɔ a ɛkyerɛ sɛnea nnipa afoforo ani agye ho. Nnipa bi nso ka sɛ, wɔde sika ma ntɛm.
Mmara Kwan So Gyinabea Ne Tumi Krataa
Blue Sikakwan Nnwuma Ghana Anohyeto yɛ adwumakuw a ɛyɛ mmara kwan so wɔ Ghana. Ghana Sikakorabea Kɛseɛ na ɛhwɛ wɔn so wɔ Banks and Specialized Deposit-Taking Institutions Act, 2016 (Act 930) ase. Saa tumi krataa yi kyerɛ sɛ adwumakuw no yɛ ne dwumadie nyinaa wɔ mmara kwan so na ɛyɛ ahotɔ ma wɔn adwumfoɔ.
Saa akyi no, wɔwɔ ISO/IEC 27001:2022 ahobammɔ ho mmara no. Saa mmara yi kyerɛ sɛ wɔhwɛ ahobammɔ pa wɔn nsɛm ho, a ɛma wɔn adwumfoɔ nya ahotɔ. Mmara kwan so asotwe anaa asɛm biara nni hɔ a wɔaka wɔn ho asɛm wɔ ɔmanfoɔ anim. Wɔde ahobammɔ ma wɔn adwumfoɔ denam ntobesa a ɛda adi ne sikasɛm ho ahobammɔ a wɔde ma so.
Adwumfoɔ Nsɛm Ne Agyapadeɛ Mu Gyinabea
Adwumfoɔ a wɔde Blue Sikakwan Nnwuma Ghana Anohyeto fon so dwumadiɛ no di dwuma no nsɛm nni hɔ pii wɔ fon so dwumadiɛ no so. Nanso, nnipa bi a wɔde adi dwuma no ka sɛ wɔde sika ma ntɛm. Adwumakuw no de ne ho hyɛ sikasɛm ho adwumakuw afoforo te sɛ DCM, Chrisline, ne Darfin ntam wɔ Ghana.
Nea ɛma Blue Sikakwan Nnwuma Ghana Anohyeto da mu titiriw ne sɛ wɔwɔ ISO ahobammɔ ho mmara, wɔde fon so dwumadiɛ no di dwuma titiriw, wɔde akatua mu twitwa sikasɛm, na wɔn ho kɔ Ghana Sikakorabea Kɛseɛ ase. Nneɛma yi boa wɔn ma wɔda mu titiriw wɔ sikasɛm ho akansi mu wɔ Ghana.
Sɛnea Ɛne Afoforo Si Akan Wɔ Ghana
Wɔ Ghana sikasɛm ho adwuma mu no, Blue Sikakwan Nnwuma Ghana Anohyeto si akan ne sikasɛm ho adwumakuw afoforo pii. Nanso, wɔwɔ nneɛma pii a ɛma wɔda mu titiriw:
- Ghana Sikakorabea Kɛseɛ sohwɛ: Esiane sɛ Ghana Sikakorabea Kɛseɛ na ɛhwɛ wɔn so nti, ɛma wɔn adwumfoɔ nya ahotɔ kɛseɛ sen adwumakuw bi a wɔnni saa sohwɛ no.
- ISO Ahobammɔ: ISO/IEC 27001:2022 ahobammɔ ho mmara no kyerɛ sɛ wɔhwɛ nsɛm ho ahobammɔ so yie, na ɛno yɛ adeɛ a ɛho hia wɔ mfiridwuma bere yi mu.
- Fon so dwumadiɛ titiriw: Wɔn iFinance fon so dwumadiɛ no ma sikasɛm ho nneɛma yɛ mmerɛ na ɛyɛ ntɛm, a ɛda nso wɔ adwumakuw bi so a wɔnni fon so dwumadiɛ pa.
- Akatua mu twitwa sikasɛm: Saa kwan yi ma bosea san tua yɛ mmerɛ na ɛyɛ ahotɔ ma adwumakuw no ne boseagyefoɔ no.
Sɛ wode Blue Sikakwan Nnwuma Ghana Anohyeto toto afoforo ho a, wɔn mmara kwan so gyinabea a emu yɛ den ne fon so nneɛma ma wɔn da mu titiriw. Nnwuma afoforo betumi ama bosea a ɛyɛ saa, nanso Blue de mmara kwan so ahobammɔ ne mfiridwuma foforo ahyɛ mu.
Afotuo A Ɛyɛ Papa Ma Wɔn A Wɔpɛ Bosea
Sɛ wopɛ sɛ wohwehwɛ bosea fi Blue Sikakwan Nnwuma Ghana Anohyeto hɔ anaa sikasɛm ho adwumakuw foforo biara hɔ a, ɛho hia sɛ wode afotuo yi di dwuma:
- Hunu nsɛmti no yie: Kenkan ntobesa, dwumadie tɔn, ne bere a wosan tua mu yie ansa na woagye bosea. Bisa nsɛm biara a wunhui.
- Gye bosea a wobetumi asan atua: Mmfa bosea a ɛboro wo tumi. Bosea a wunntumi nsantua no betumi de ɔhaw aba wo sikasɛm mu.
- Hwɛ sɛ wofata: Hwɛ sɛ woyɛ nea ɛfata sɛ wunya bosea no ansa na woahwehwɛ. Sɛnea wɔkyerɛɛ mu wɔ atikuruw yi mu no, ɛhia Ghanafoɔ Krataa ne nnwoma foforo.
- Di dwuma wɔ fon so: Sɛ wowɔ fon a, fa iFinance fon so dwumadiɛ no di dwuma. Ɛma botaeɛ ho dwumadie yɛ mmerɛ na ɛyɛ ntɛm.
- Hwɛ dwumadie tɔn no: Hu dwumadie tɔn a wɔbɛtwitwa wo so ne nea ɛka ho. Bisa nsɛm fa akyiri tua tɔn ho nso.
- Toto afoforo ho: Ansa na woagye bosea no, hwɛ adwumakuw afoforo nso sikasɛm ho nneɛma na hwɛ nea eye ma wo.
Blue Sikakwan Nnwuma Ghana Anohyeto yɛ sikasɛm ho adwumakuw pa a ɛwɔ Ghana a ɛde bosea fon so ne nnwuma afoforo ma. Sɛ wode wɔn fon so dwumadiɛ ne wɔn mmara kwan so ahobammɔ di dwuma a, wobetumi anya sikasɛm ho boa a wuhia no wɔ kwan pa so.
