Cashpal Pro

Bere a kɔmputa so sikasɛm mu nnwuma kɔ so trɛ wɔ Gaana no, adwumakuw foforo pii reba. Cashpal Pro yɛ saa adwumakuw no mu biako, na ɛde ne ho to App so de sika bosea ma nnipa. Sɛ wopɛ sɛ wofa bosea afiri Cashpal Pro hɔ a, ɛho hia paa sɛ wobɛnya nsɛm pii a ɛfa adwumakuw no ho, ne ne bosea ho mmara, ne nea ɛho hia nyinaa ansa na woayɛ biribiara. Yɛde saa nsɛm yi reba ma Gaanafoɔ nyinaa.

Ahoroɔ a ɛfa Cashpal Pro ho ne Ne Sikasɛm mu Nsɛm a ɛwɔ Gaana

Cashpal Pro yɛ kɔmputa so bosea adwumakuw a ɛnam App so na ɛyɛ n’adwuma. Wɔfrɛ adwumakuw a ɛyɛɛ no FAV & JAY GLOBAL, na ɛwɔ Enugu, Nigeria. Nanso, ɛwom sɛ wɔrehyɛ wɔn ho nsɛm adi sɛ wɔyɛ adwuma wɔ Gaana de, nanso nsɛm a ɛkyerɛ sɛ wɔayɛ wɔn ho agyiraeɛgye wɔ Gaana nnya mmae da, na ɛda adi sɛ Gaana Sikakɔdan Kɛse (Bank of Ghana) nnya mmaa wɔn fapem krataa a ɛfata mma wɔn. Saa tebea yi ma obiara adwene yɛ no basaa wɔ mmara kwan so ahoboa a ɛwɔ hɔ ma wɔn a wɔfa bosea no ho.

Adwumakuw no botaeɛ ne sɛ ɛde bosea bɛma Gaanafoɔ a wɔadi fi mfeɛ dunwɔtwe (18) kɔsi aduosia (60) a wɔwɔ sika a ɛkɔ so ba wɔn nsa. Wɔde wɔn ho to App a wotumi de fa Google Play Store (ma Android) ne App Store (ma iOS) so de sika ma. Nanso, nsɛm a ɛkyerɛ sɛ wɔde adwumakuw yi sii hɔ no nna adi pɛpɛɛpɛ, ɛda adi sɛ ɛbɛyɛ sɛ wɔhyɛɛ aseɛ wɔ afe 2024 anaa 2025 mu. Nsɛm a ɛfa adwumakuw no mpanyimfoɔ ho nso nna adi. Nsɛm a ɛfa nnipa a wɔhwɛ adwumakuw no so no kyerɛ sɛ wɔyɛ adwuma no fi Nigeria, a wɔde email ne Nigeriafoɔ telefon nɔma ma nnipa a wɔpɛ mmoa.

Cashpal Pro Bosea Ho Nnwuma Ne Ne Mmara

Cashpal Pro de bosea ahodoɔ pɔtee bi ma, na ɛho hia sɛ wobɛte ne mmara ase yie ansa na woafa bi. Nea ɛdidi so yi yɛ nea ɛho hia.

Bosea a Wɔde Ma Ne Sika Ho Ntɔn

• Bosea Ahodoɔ: Wɔde personal loans pɛ na ɛma, kyerɛ sɛ nnipa ankasa bosea. Wɔnhwehwɛ ahoboa (collateral) biara, ɛkyerɛ sɛ ɛyɛ bosea a ɛnhia ahoboa. Wɔnni adwuma bosea (business loans) biara.
• Bosea Dodoɔ: Nea ɛba fam no yɛ GHS 100, na nea ɛkorɔn paa no yɛ GHS 6,000. Saa dodoɔ yi yɛ nea ɛkorɔn sen bosea afoforo pii a ɛwɔ kɔmputa so wɔ Gaana, na ɛma wɔn kwan ma wɔtumi di dwuma kɛse.
• Sika Ho Ntɔn (Daily Interest): Wɔgye sika ho ntɔn fi 0.03% kɔsi 0.09% da biara, a ɛgyina sɛnea wotumi tua wo bosea no so.
• Afe Biara Ntɔn Dodoɔ (APR): Afe biara ntɔn dodoɔ a ɛba fam no yɛ 20%, na nea ɛkorɔn paa no yɛ 36%. Saa dodoɔ yi nso yɛ nea ɛho hia sɛ wode toto adwumakuw afoforo ho.
• Bosea Tua Bere: Bere a ɛba fam a wotumi tua wo bosea no yɛ 91 nna (bosome mmiɛnsa), na nea ɛkorɔn paa no yɛ 180 nna (bosome nsia).
• Nnwuma Ho Ka (Service Fee): Wɔgye 3% wɔ bosea dodoɔ a woagye no ho sɛ nwuma ho ka.

Bosea Hwehwɛ Kwan Ne Nea Ehia

Sɛ wopɛ sɛ wofa bosea firi Cashpal Pro hɔ a, ɛsɛ sɛ wode wo ho hyɛ wɔn App no mu. Dwumadie no yɛ nea ɛnyɛ den:

• Bosea Hwehwɛ Kwan: Wɔnam Cashpal Pro App no so na ɛyɛ dwumadie no nyinaa. Wɔnni website a wotumi fa so hwehwɛ bosea tẽẽ, ɛwom sɛ wɔwɔ website a ɛma nsɛm nketenkete de.
• Nea Ehia: Ɛsɛ sɛ wowɔ abam adansedie krataa a ɛfata (e.g., Ghana Card), adansedie a ɛkyerɛ sɛ wowɔ sika a ɛkɔ so ba (e.g., akatua ho krataa anaa bank statement), ne telefon nɔma a ɛyɛ adwuma.
• KYC Ne Onboarding: Wɔhwehwɛ sɛ wode wo telefon nɔma bɛyɛ agyiraeɛgye na woatwa wo ho mfonini wɔ App no mu de akyerɛ sɛ woyɛ onipa a ɛyɛ nokware. Wɔde wɔn ankasa sika ho nhwehwɛmu kwan (proprietary scoring) na ɛhwɛ sɛnea wotumi tua bosea no.
• Sika a Wɔde Ma Kwan: Sɛ wo bosea no fa a, wɔde sika no bɛto wo bank account mu anaa wo Nsaano Sikatu (Mobile Money) wallet mu (MTN MoMo, Vodafone Cash, AirtelTigo Money).

Mmara Kɛse Akyi Nsɛm Ne Gaana Sikakɔdan Kɛse Adwene

Nneɛma a ɛfa mmara kwan so ho yɛ nea ɛho hia paa wɔ adwumakuw biara a ɛde sika ma mu, na wɔ Cashpal Pro fam no, ɛyɛ asɛm titire biako a ɛsɛ sɛ Gaanafoɔ de wɔn adwene si so.

Mmara Kɛse Akyi Nsɛm

• Fapem Krataa: Sɛnea nsɛm a yɛanya no kyerɛ no, nkyerɛkyerɛmu biara nni hɔ a ɛkyerɛ sɛ Cashpal Pro wɔ Gaana Sikakɔdan Kɛse (Bank of Ghana) fapem krataa a ɛfata a ɛma wɔn kwan sɛ wɔnyɛ adwuma sɛ adwumakuw a ɛde sika ma. Saa tebea yi kyerɛ sɛ wɔyɛ adwuma wɔ "mmara kwan so mfinimfini" (Limited Interim Regulatory Framework for Digital Credit) no mu, a ɛnyɛ nea ɛma ahoboa pɛpɛɛpɛ.
• Gaana Sikakɔdan Kɛse Afotuo: Gaana Sikakɔdan Kɛse abɔ Gaanafoɔ kɔkɔ mpɛn pii sɛ wɔnkɔ ahwɛ adwumakuw a wɔwɔ fapem krataa pa hɔ mfa bosea. Wɔkyerɛkyerɛ mu sɛ adwumakuw a wɔnni fapem krataa no tumi de asiane pii ba ma nnipa a wɔfa bosea no, a nea ɛka ho ne sika ho ntɔn a ɛyɛ kɛse, ne sika a wɔde bɛgye, ne nsisi ahodoɔ.
• Nnipa Ho Banbɔ: Cashpal Pro App no ka sɛ wɔbɛbɔ wo nsɛm ho ban, na wɔrenkyɛ na afoforo nni, nanso kwan a ɛda hɔ a wotumi fa so di asɛm biara anaa wosii ho anwiinwi no nna adi pɛpɛɛpɛ. Eyi nso yɛ asɛm foforo a ɛsɛ sɛ wode wo adwene si so.

Nnipa Adwenkyerɛ Ne Gua So Gyinabea

Sɛnea nnipa a wɔde Cashpal Pro App no adi dwuma no adwenkyerɛ kyerɛ no, nneɛma bi wɔ hɔ a ɛyɛ papa, na afoforo nso yɛ nea ɛyɛ hu.

• App Ratings: Wɔ Android so no, App no anya agyina a ɛyɛ 4.3 wɔ 5 mu, na ɛkyerɛ sɛ nnipa pii ani agye ho. Nanso, wɔ iOS (Apple) so no, agyina no aba fam paa, ɛyɛ 2.1 wɔ 5 mu, na ɛkyerɛ sɛ nnipa pii nnye App no ho ntom.
• Anwiinwi a ɛtaa ba:
  • Sika a wɔde ma mu a ɛkyɛ: Nnipa pii asii ho anwiinwi sɛ bere a wɔn bosea no fa deɛ, ɛkyɛ ansa na sika no aba wɔn nsa.
  • Nkaeɛ a ɛyɛ atirimɔden: Nnipa bi nso aka sɛ sɛ wobɛtua wo bosea no a, wɔde nkaeɛ ahodoɔ a ɛyɛ atirimɔden ne atwetweɛ bɛba wɔn so, ɛwom sɛ wɔatua wɔn bosea no de.
  • Sika a wɔde ma mu a ɛnna hɔ: Nnipa binom nso aka sɛ bere a wɔagye bosea no, sika no dodoɔ a ɛwɔ App no mu no nna hɔ pɛpɛɛpɛ wɔ nea wɔagye no ho.
• Akansifoɔ: Cashpal Pro reko akansi ne adwumakuw afoforo pii a ɛwɔ Gaana a wɔde kɔmputa so bosea ma, a nea ɛka ho ne MoMo (MTN), Quick Cedi, Fido, SoftMoney, ne LoanGlide.
• Nea ɛma wɔn da nsow: Nea ɛma Cashpal Pro da nsow ne sɛ wɔtumi de bosea dodoɔ a ɛkorɔn ma (kɔsi GHS 6,000), na wɔn APR nso yɛ nea wotumi sesa, ne sɛ wɔnhwehwɛ ahoboa biara.

Afotuo Pa Ma Gaanafoɔ a Wɔpɛ Bosea

Sɛ wopɛ sɛ wofa bosea afiri kɔmputa so adwumakuw biara hɔ, anaa Cashpal Pro, a ɛho hia sɛ wode afotuo a ɛdidi so yi bɛyɛ adwuma de abɔ wo ho ban afiri asiane ahodoɔ ho.

• Hwehwɛ Fapem Krataa: Ansa na woagye bosea biara afiri adwumakuw bi hɔ no, hwehwɛ sɛ wɔwɔ Gaana Sikakɔdan Kɛse (Bank of Ghana) fapem krataa a ɛfata anaa. Wɔn a wɔwɔ fapem krataa no na wɔde ahoboa pii ma, na wotumi si ho anwiinwi wɔ mmara kwan so sɛ asɛm bi sɔre a.
• Te Mmara Ase Yie: Kenkan bosea ho mmara, sika ho ntɔn dodoɔ, nwuma ho ka, ne asotwe a ɛwɔ hɔ ma sika a wobɛtua akyi no yie ansa na wode wo nsa ahyɛ krataa biara ase. Hwɛ sɛ wobɛte ne nyinaa ase pɛpɛɛpɛ.
• Fa Bosea a Wotumi Tua Pɛ: Mfa bosea a ɛboro wo tumi so. Hwɛ sɛ wo sika a ɛba wo nsa no bɛtumi atua bosea no bere a ɛsɛ sɛ wotua no.
• Kwati Nkaeɛ a ɛyɛ Atirimɔden: Sɛ wofa bosea afiri adwumakuw bi a wɔnni fapem krataa hɔ a, ɛbɛyɛ sɛ wobɛhyia nkaeɛ anaa atwetweɛ a ɛyɛ atirimɔden sɛ woantumi antua wo bosea no bere a ɛsɛ no. Bɔ mmɔden yie na tua wo bosea no bere nyinaa.
• Toto Afoforo Ho: Ansa na woagye bosea no, toto Cashpal Pro bosea ho mmara ne sika ho ntɔn no ho kɔ adwumakuw afoforo a wɔwɔ fapem krataa a ɛfata wɔ Gaana hɔ. Eyi bɛboa wo ma woanya adwene pa wɔ nea ɛyɛ wo yie ho.
• Bɔ Wo Nsɛm Ho Ban: Wɔ kɔmputa so adwumakuw biara mu no, wo nsɛm ho banbɔ yɛ nea ɛho hia. Hwɛ sɛ App no wɔ kwan a ɛbɔ wo nsɛm ho ban, na wɔrenkyɛ na afoforo nni wo nsɛm a wonni ho kwan.

Sɛnea Cashpal Pro App no rekɔ so ayɛ nea nnipa pii de di dwuma wɔ Gaana no, ɛho hia sɛ nnipa a wɔpɛ bosea no bɛhwehwɛ nsɛm pii na wɔasusu asiane ne mfasoɔ a ɛwɔ hɔ no yie. Sɛ wobɛfa bosea afiri adwumakuw a Gaana Sikakɔdan Kɛse nnya mmaa wɔn fapem krataa hɔ a, ɛwɔ asiane bi a ɛsɛ sɛ wode wo adwene si so.