Cash Future

Wɔ nnɛ digital wiase yi mu no, sika bosea nya akwan foforɔ, na Cash Future yɛ adwumakuo a ɛdi anim wɔ saa kwan yi so wɔ Ghana. Wɔde wɔn ho to afonoo so dwumadie ne intanɛt so na ɛma nnipa ne nketenkete adwumakuo sika bosea. Adwumakuo yi botaeɛ ne sɛ ɛbɛma sika bosea no ayɛ mmerɛ, ntɛmntɛm, na ɛbɛtumi adu nnipa pii hɔ a wɔnhia sɛ wɔde ahodeɛ bi to hɔ.

Adwumakuo no ho Nsɛm Ne Ne Mfiase wɔ Ghana

Cash Future yɛ adwumakuo a ɛdi mu wɔ digital bosea dwadie mu wɔ Ghana. Sɛnea nsɛm a ɛwɔ hɔ kyerɛ no, wɔn din a wɔde ayɛ adwuma no yɛ Cash Future Microfinance Limited, ɛwom sɛ adanseɛ krataa ne wɔn din a wɔde kyerɛw wɔn wɔ Registrar General’s Department no nna adi prɛko pɛ de. Wɔkyerɛ sɛ wɔtee adwumakuo yi wɔ afe 2019 mu, na sikafoɔ a wɔwɔ Ghana ne ne mpɔtam nyinaa na wɔboa wɔn.

Wɔn adwumadie nhyehyɛeɛ no yɛ nea ɛda adi pefee: wɔde digital kwan so na ɛma bosea. Wɔn botaeɛ no yɛ nnipa a wɔnya akatua, nketenkete adwumakuo wuranom, ne nnipa a wɔyɛ adwuma nketenkete wɔ kuro ne nkuraaseɛ a wɔadi mfie 21 kɔsi 55 ntam. Sika a wɔnya no firi bosea ho sika mfa ho (interest) ne akwaa ahodoɔ a wɔgye.

Ɛwom sɛ wɔn adwumayɛfoɔ ti pii nsɛm nna adi pefee de, nsɛm a ɛwɔ hɔ kyerɛ sɛ Ɔbenfoɔ Kwame Asante yɛ wɔn CEO, Nana Akosua Mensah yɛ wɔn COO, na Ɔbenfoɔ Samuel Owusu yɛ wɔn CTO. Nsɛm yi nyinaa hia sɛ wɔsan hwehwɛ mu pɛpɛɛpɛ, nanso ɛma yɛhu adwumakuo no adwumayɛ mu nsɛm bi.

Bosea Ahodoɔ A Cash Future De Ma

Cash Future de bosea ahodoɔ pii ma, a ɛbɛtumi aboa nnipa ahodoɔ. Wɔn botaeɛ ne sɛ wɔbɛma obiara anya sika bosea a ɛhia no wɔ ɔkwan a ɛyɛ mmerɛ so.

Bosea Ahodoɔ A Wɔde Ma

• Ankorankoro Bosea Ntɛmntɛm: Saa bosea yi yɛ ma nnipa a wɔhwehwɛ sika ntɛmntɛm de bɛdi wɔn ankorankoro ahiadeɛ ho dwuma, te sɛ aduane, akwanhyia sika, anaa mmɔfra sukuu ho ka.
• Nketenkete Adwumakuo Bosea (SME Business Loans): Wɔde saa bosea yi ma nketenkete adwumakuo a wɔhwehwɛ sika de bɛma wɔn adwuma akɔ anim, atɔ nneɛma foforɔ, anaa de adi wɔn daa dwumadie ho ka.
• Akatua-da Bosea (Payday Loans): Saa bosea yi yɛ ma wɔn a wɔhwehwɛ sika kakraa bi de bɛdi wɔn akatua ansa na wɔanya wɔn sika, na wɔtua bio wɔ wɔn akatua da.

Bosea Dodow

Cash Future de bosea firi GHS 100 kɔsi GHS 5,000. Saa dodow yi ma nnipa ne nketenkete adwumakuo a wɔnhia sika pii no tumi nya nea ɛsɛ wɔn.

Sika Mfa Ho Ne Ne Ho Ka (Interest Rates & APR)

Sika mfa ho a Cash Future gye no yɛ nea ɛda adi pefee, na ɛsɛ sɛ boseafoɔ te aseɛ yie ansa na wɔagye bosea. Wɔgye sika mfa ho a ɛfiri ɔha mu nkyekyɛmu 0.05 kɔsi 0.1 da biara da. Sɛ yɛde toto afe mu a, ɛbɛyɛ ɔha mu nkyekyɛmu 18 kɔsi 36 wɔ afe mu (APR). Sika mfa ho a wɔgye no bosome biara no yɛ ɔha mu nkyekyɛmu 3 kɔsi 5, a ɛbɛyɛ ɔha mu nkyekyɛmu 36 kɔsi 60 wɔ afe mu.

Bosea Botaeɛ Ne Sika Amua Akwan

Bosea botaeɛ no gyina bosea ahodoɔ so. Ankorankoro bosea ne akatua-da bosea no yɛ nna nson kɔsi aduokron (7-90). Nketenkete adwumakuo bosea no tumi fa bosome dumienu (12). Wɔbɛtumi atua sika no prɛko pɛ anaa wɔde nkyekyɛmu na atua, de nam mobile money (Vodafone Cash, MTN MoMo, AirtelTigo Money) anaa bank so. Wɔsan tumi de sika kɔma bank ahodoɔ a agye din wɔ Ghana.

Akwaa Ne Nsakraeɛ Ahodoɔ

Sɛ wogye bosea firi Cash Future hɔ a, ɛsɛ sɛ wotua akwaa bi. Emu bi ne:

• Origination Fee: ɔha mu nkyekyɛmu 1 kɔsi 3 wɔ bosea dodow no mu.
• Processing Fee: GHS 10 sɛ ɛyɛ pɛ.
• Late Payment Fee: GHS 20 wɔ bosea akyi a wɔannya antua ho, ne daa ɔha mu nkyekyɛmu 0.1 ka a ɛba so.

Ahodeɛ a Wɔde To Hɔ

Saa bosea yi nyinaa yɛ nea wɔnhia ahodeɛ a wɔde bɛto hɔ. Cash Future de wɔn ho to nsɛm ahodoɔ a wɔnya firi boseafoɔ nkyɛn no so na ɛsusu sɛnea obi bɛtumi atua bosea no.

Sika Bosea Hwehwɛ Akwan Ne Ne Ho Nsɛm a Wɔhwehwɛ

Cash Future adwumadie no yɛ nea ɛyɛ mmerɛ, na ɛma nnipa pii tumi nya sika bosea ntɛmntɛm.

Sika Bosea Hwehwɛ Akwan

Wobɛtumi ahwehwɛ bosea afa akwan ahodoɔ so:

• Afonoo App: Wɔn app no wɔ Android ne iOS afonoo so.
• Intanɛt So Dwumadie (Website Portal): Wobɛtumi afa wɔn website so nso.
• Agyatafoɔ Nnwumakuo (Agent Network): Wɔwɔ agyatafoɔ bi wɔ Accra ne Kumasi a wɔboa nnipa ma wɔhwehwɛ bosea.

Kyerekyere W'ankorankoro Nsɛm (KYC & Onboarding)

Sɛ wopɛ sɛ wugye bosea a, ɛsɛ sɛ wodii dwuma wɔ nsɛm bi so:

• Nimdeɛ Adanseɛ: Ghana Card (identity card) scan ne selfie de bɛkyerɛ sɛ wo na woyɛ.
• Adwɛn Adanseɛ: Utility bill anaa bank statement.
• Nsɛm a Wɔde Di Dwuma Ho Pene: Wɔhwehwɛ sɛ wopene ma wɔde w'afonoo nsɛm ne w'asika dwumadie nsɛm di dwuma.

Sika Bosea Nsusu Pɛpɛɛpɛ (Credit Scoring & Underwriting)

Cash Future de intanɛt so nhyehyɛeɛ a ɛyɛ foforɔ di dwuma de susua sɛnea obi bɛtumi atua bosea. Wɔde machine learning nhyehyɛeɛ na ɛhwehwɛ w'afonoo dwumadie, mobile money dwumadie, ne w'intanɛt so nsɛm mu. Sɛ w'akonmu no yɛ papa a, wɔpene bosea no ntɛmntɛm. Nanso, sɛ w'akonmu no yɛ nea ɛhaw adwene a, wɔsan hwehwɛ mu nsa so ansa na wɔayi gyinaeɛ.

Sika Bosea a Wɔde Ma Akwan

Sɛ wɔpene wo bosea so a, wobɛtumi anya sika no afa akwan ahodoɔ so:

• Mobile Money: Vodafone Cash, MTN MoMo, AirtelTigo Money.
• Bank Transfer: Wɔde sika no kɔma wo bank account a ɛwɔ Ghana bank ahodoɔ mu.
• Sika Agosiesie (Cash Pick-Up): Wobɛtumi akɔfa sika no wɔ wɔn agyatafoɔ nnwumakuo no mu.

Sika Toho Ansa Na Akatua Akwan

Sɛ obi tua bosea akyi a, Cash Future de SMS ne app so nkaeɛ kɔma. Sɛ nna nson akyi nso a obi ntua a, wɔde agyatafoɔ kɔ baabi a obi te anaa ɔyɛ adwuma kɔgye sika no. Wɔn a wɔdi kan tua akyi no, wɔde kwan ma wɔn sɛ wɔntwe bosea no ho asɛm nkakrakakra.

Afonoo App Dwumadie Ne Sɛnea Nnipa De Di Dwuma

Cash Future afonoo app no yɛ nea ɛyɛ ntɛmntɛm na ɛyɛ mmerɛ sɛ wɔde bedi dwuma, na ɛma asiakwafoɔ nya akwan pii a ɛboa wɔn.

Afonoo App Nsɛm

• Wɔwɔ Baabi: Wobɛtumi ahunu no wɔ Android afonoo (4.2+) so, na nkurɔfoɔ dɔ dɔɔso a wɔde no akɔ 10,000 akyi, a wɔde nsoromma 4.1 ama no. iOS (13.0+) nso wɔ hɔ, a nkurɔfoɔ 2,000 akyi na wɔde no akɔ, a wɔde nsoromma 4.0 ama no.
• Dwumadie Ahodoɔ: Wobɛtumi afa so ahwehwɛ bosea ntɛmntɛm, ahunu sɛnea wobɛtua wo bosea, ama wo bosea dodow akɔ soro, na wo ne asiakwafoɔ dwumadiefoɔ abɔ nkɔmmɔ.

Digital Nnwumadie Afoforo

Wɔn website no yɛ nea ɛyɛ fɛ na ɛyɛ mmerɛ sɛ obi bɛtumi de adi dwuma. Wɔn website no wɔ bosea nsusu nhyehyɛeɛ, nsɛm a wɔtaa bisa, ne agyatafoɔ baabi a wɔwɔ. Wɔn Facebook ne Twitter so nso yɛ nea wɔde nsɛm foforɔ di dwuma.

Baabi A Wɔyɛ Adwuma (Geographic Coverage)

Cash Future yɛ adwuma wɔ Ghana nyinaa, nanso wɔn dwumadie no yɛ kɛseɛ wɔ Greater Accra, Ashanti, ne Eastern mantam ahodoɔ mu.

Asiakwafoɔ (Customer Base)

Wɔkyerɛ sɛ wɔwɔ asiakwafoɔ boseafoɔ bɛyɛ 50,000 a wɔn mu ɔha mu nkyekyɛmu 60 yɛ kuro mu adwumayɛfoɔ, na ɔha mu nkyekyɛmu 40 nso yɛ nketenkete adwumakuo wuranom (nsɛm a ɛnsiiɛ).

Mmarahyɛ Bagua Nsɛm Ne Akwammisa

Cash Future yɛ adwumakuo a ɛdi Ghana mmara a ɛfa sika dwumadie ho no so. Eyi ma asiakwafoɔ awerɛhyɛmu sɛ wɔn sika no wɔ ahobammɔ.

• Mmarahyɛ Bagua Akwamma: Bank of Ghana na ɛhwɛ wɔn so, wɔ Payment Systems and Services Act no ase.
• Akwammisa: Wɔwɔ Electronic Money Issuer (EMI) akwammisa.
• Mmarahyɛ Bagua Dwumadie: Wɔdi AML/KYC mmara so (Anti-Money Laundering/Know Your Customer), na wɔde asiakwafoɔ ho ahobammɔ ka wɔn botaeɛ ho. Wɔde wɔn sika bosea ho nsɛm nyinaa ma asiakwafoɔ hu, na wɔwɔ baabi a wobɛtumi akɔka w'asɛm sɛ ɛhia.
• Mmarahyɛ Bagua Akwanhyia: Kɔsi nnɛ no, wɔnsɛe wɔn din sɛ wɔabu mmara biara.

Asiakwafoɔ Nsɛm A Wɔka Ne Wɔn Dwumadie wɔ Dwadie Mu

Asiakwafoɔ a wɔde Cash Future di dwuma no kyerɛ wɔn adwene wɔ adwumakuo no ho, na ɛboa yɛn ma yɛte wɔn dwumadie ase yie.

Asiakwafoɔ Nsɛm A Wɔka

• Nsɛm Pa: Nnipa pii ka sɛ wɔde sika ma ntɛmntɛm, wɔn app no yɛ mmerɛ sɛ wɔde bedi dwuma, na wɔn asiakwafoɔ dwumadiefoɔ no yɛ papa.
• Nsɛm A ɛnyɛ Pa: Nnipa bi nso ka sɛ sika mfa ho no yɛ kɛseɛ, na ɛtɔ da bi a wɔn app no yɛ haw.
• Nsɛm a Wɔtaa Ka Ho Nkomɔ: App no tumi yɛ haw wɔ afonoo a ɛnyɛ kɛseɛ so, na ɛyɛ den sɛ wɔbɛtumi atwe bosea no ho asɛm kɔ akyiri wɔ dwumadie a ɛdi kan no akyi.

Dwadie Mu Nkyekyɛmu Ne Akansie

Cash Future kyerekyere ɔha mu nkyekyɛmu 5 wɔ Ghana digital micro-lending dwadie mu. Wɔne adwumakuo afoforo te sɛ Fido, M-Shield, ne Carbon na ɛregye akansie.

Wɔn dwumadie atitiriw a ɛma wɔda nsow ne:

• Wɔde data foforɔ a ɛyɛ foforɔ di dwuma de susua boseafoɔ sika tua ho tumi.
• Wɔn bosea tua ho nsakraeɛ yɛ mmerɛ.
• Sika a wɔde ma no kwan yɛ nea ɛyɛ ntɛmntɛm.

Dwumadie Nkɔsoɔ

Wɔn botaeɛ ne sɛ wɔbɛbɔ payroll-deduction bosea foforɔ, na wɔayɛ adwuma wɔ Nigeria wɔ afe 2026 mu (nsɛm a ɛnsiiɛ). Wɔwɔ nkabom ne telcos de nya data, mobile money adwumakuo de ma sika, ne nketenkete adwumakuo de trɛw wɔn agyatafoɔ nhyehyɛeɛ mu.

Afotuo Pa Ma Wɔn A Wɔpɛ Sika Bosea

Sɛ wopɛ sɛ wugye bosea firi Cash Future hɔ a, ɛsɛ sɛ wode adwene pa na ɛdi dwuma. Yɛde afotuo bi bɛma wo wɔ ha:

• Te Bosea Ho Nsɛm Ase Yie: Ansa na woagye bosea no, kenkan na te bosea no ho nsɛm, sika mfa ho, ne akwaa ahodoɔ ase yie. Hwɛ sɛ wobɛtumi atua sika no wɔ bere a ɛsɛ mu.
• Fa Nea Wobɛtumi Atua Nko Ara: Mfa bosea a ɛboro wo tumi so. Sɛ wode bosea pii fa a, ɛbɛtumi ayɛ wo haw wɔ daakye.
• Hwehwɛ Wɔn Asiakwafoɔ Dwumadie: Sɛ wowɔ nsɛm bi anaa woapɛpɛɛpɛ a, frɛ anaa kɔ wɔn asiakwafoɔ dwumadiefoɔ hɔ. Wɔwɔ 24/7 in-app chat, 0800 toll-free hotline, ne email support a wɔde mmuaeɛ ma wɔ nna aduonu nnan mu.
• Toto Wɔn Ho Ne Akansifoɔ: Hwɛ adwumakuo afoforo a wɔde bosea ma wɔ Ghana, na toto wɔn bosea ahodoɔ, sika mfa ho, ne akwaa ahodoɔ. Eyi bɛboa wo ma woayi gyinaeɛ pa.
• Tua Wo Bosea Wɔ Bere A Ɛsɛ Mu: Fa wo bosea tua bere a ɛsɛ mu de kwati late payment fees ne ka a ɛkɔ soro. Sɛ wotua wo bosea bere a ɛsɛ mu a, ɛboa wo credit score ma ɛkɔ soro, na ɛma wunya akwan foforɔ wɔ daakye.

Asɛm a ɛhia wo: Nsɛm pii a yɛde ama yi nyinaa firi baabi a ɛnyɛ wɔn ankasa dwumadie. Ma enti, ɛsɛ sɛ woyɛ nhwehwɛmu pii ansa na woayi gyinaeɛ biara.