Wɔ Ghana sikasɛm mu no, adwumakuw biako pɛ a ɛda nsow wɔ nea ɛde fon so adwumayɛ ne ahobammɔ ma ne Dalex Finance and Leasing Company Ltd. Adwumakuw yi, a wɔde sii hɔ wɔ afe 2006 mu no, ayɛ ɔkannifo wɔ sika foforo ma Aban adwumayɛfo mu. Yɛn kyerɛwka yi bɛhwehwɛ Dalex Finance mu koraa, afi ne mfiase so akosi ne sikakorabea dibea, fon nkrataa (app) ho nsɛm, ne afotu a ɛyɛ papa ma wɔn a wɔpɛ sika foforo.
Adwumakuw no ho Nsɛm ne Mfiase wɔ Ghana
Dalex Finance and Leasing Company Plc (kan no na ɛyɛ Limited) yɛ adwumakuw a ɛyɛ Ghana de koraa, na wɔde sii hɔ wɔ September afe 2004 mu. Ghana Sikakorabea Kɛse (Bank of Ghana) maa wɔn tumi krataa sɛ wɔnyɛ adwuma sɛ Sika Foforo ne Leasing Adwumakuw (a seesei wɔfrɛ no Sika a Wɔde Sie Titiriw Adwumakuw (Special Deposit-Taking Institution) wɔ BSDI Mmara no ase) wɔ September 28, 2005. Wɔhyɛɛ adwuma ase pɛpɛɛpɛ wɔ April 3, 2006.
Wɔn adwumayɛ mu nsɛm no kyerɛ sɛ wɔde sika foforo ma nnipa a wɔn akatua fi Aban hɔ titiriw, titiriw wɔn a wɔyɛ adwuma wɔ Aban adwumayɛfo mu. Saa kwan yi ma wɔn tumi de akatua mu twitwi di dwuma, a ɛyɛ Controller ne Akontabufo Panyin Dwumadibea (Controller & Accountant General’s Department) no bɔhyɛ, na ɛma sika foforo a wɔde ma no yɛ nea ahobammɔ wom kɛse. Adwumakuw no yɛ Ghanafo de koraa, na wɔn a wɔhyehyɛɛ no ne wɔn a wɔhwɛ so no na wɔwɔ kyɛfa kɛse.
Wɔn a wɔda adwumakuw yi ano no mu bi ne Kenneth K. Thompson, CFA, a ɔyɛ Ɔkwankyerɛfo Panyin (Chief Executive Officer), ne Joe Jackson, a ɔyɛ Adwumayɛfo Dwumadibea no Kwankyerɛfo (Director, Business Operations). Wɔn akannifo yi akyi no, Dalex Finance atumi abɔ ne ho ban kɛse wɔ Ghana sikasɛm mu.
Sika Foforo ne Nneɛma a Wɔde Ma
Dalex Finance de sika foforo ahorow pii ma, a ɛboa nnipa ne adwumakuw nketewa.
Akatua Sika Foforo (Salary Loans)
- Wɔde ma Aban adwumayɛfo a wɔn akatua fi Aban hɔ.
- Wɔtua sika no fã bi fi akatua mu tẽẽ, a ɛma sika foforo a wɔde ma no yɛ nea ahobammɔ wom kɛse ma Dalex.
- Sika dodow a wobetumi afa: Efi Ghana Cedis ahanum (GHS 500) kosi Ghana Cedis ɔpedu ɔha aduonum (GHS 150,000) ma Aban adwumayɛfo.
Adwuma Sika Foforo (Business Loans)
- Wɔde ma adwumakuw nketewa ne mfinimfini (SMEs).
- Ɛhwehwɛ sɛ wode adwuma no nneɛma bi hyɛ hɔ sɛ ɛdefo ansa na wɔde sika no ama.
Nkatee Sika Foforo (Personal Loans)
- Wɔde ma nnipa a wɔn akatua fi adwuma hɔ, a ɛnyɛ Aban adwumayɛfo nkutoo.
- Saa sika foforo yi mfa ɛdefo, nanso sika dodow a wobetumi afa no sua kɛse.
Sika a Wɔde Ka Ho, Tua, ne Akatua Nhyehyɛe
- Sika a Wɔde Ka Ho (Interest Rates):
- Akatua sika foforo: Ɛyɛ ɔha mu nkyekyɛmu dunwɔtwe kosi aduonu anan (18%-24%) afe biara (sika a wɔde ka ho pɛpɛɛpɛ); APR a ɛne no sɛ no yɛ ɔha mu nkyekyɛmu aduasa kosi aduanan (30%-40%).
- Adwuma sika foforo: Ɛyɛ ɔha mu nkyekyɛmu aduonu anan kosi aduonu awɔtwe (24%-28%) afe biara (sika a wɔde ka ho pɛpɛɛpɛ); APR a ɛne no sɛ no yɛ ɔha mu nkyekyɛmu aduanan kosi aduonum (40%-50%).
- Sika Foforo Nnawɔtwe (Loan Terms): Efi asram asia (6) kosi asram aduasa asia (36).
- Tua (Fees):
- Adeyɛ tua (Origination Fee): Ɛyɛ sika a wofa no ɔha mu nkyekyɛmu abien (2%).
- Nsɛm yɛ ho tua (Processing Fee): Ɛyɛ Ghana Cedis aduonu (GHS 20) kosi aduonum (GHS 50).
- Sika a Wɔde Tua Akyiri (Late Payment Fee): Ɛyɛ ɔha mu nkyekyɛmu anum (5%) wɔ sika a ɛda so no so bosome biara.
- Ɛdefo (Collateral): Akatua sika foforo mfa ɛdefo, na mmom ɛyɛ akatua mu twitwi no. Adwuma sika foforo nso, ɛhwehwɛ adwuma no nneɛma a ɛyɛ den anaa obi foforo bɔhyɛ.
Sɛnea Woyɛ Ade ne Fon Nkrataa so Nsɛm
Dalex Finance de mmerew abata sika foforo nneyɛe ho denam fon nkrataa (app) ne intanɛt so nhyehyɛe so.
Adeyɛ Ho Nneɛma (Application Channels)
- Fon Nkrataa (Mobile App): Wɔn fon nkrataa a ɛwɔ iOS (Apple App Store) ne Android (Google Play Store) nyinaa ma wotumi yɛ sika foforo adeyɛ, hwɛ sika a wotua, nea ɛda so, ne ɔboafo a wode no bɛkasa.
- Intanɛt so Dwumadibea (Website): Wɔn wɛbsaet no nso wɔ nhyehyɛe a ɛyɛ koraa a wode bɛyɛ adeyɛ.
- Adesiebea (Physical Branches): Wɔwɔ adasiebea bɛyɛ aduonu (20) wɔ ɔman no mu nyinaa, a Accra, Kumasi, Takoradi, ne Tamale ka ho.
Nsɛm a Wɔhwehwɛ ne Sɛnea Wɔyɛ Ade
Sika foforo adeyɛ no yɛ mmerɛw na ɛyɛ ntɛm.
- Ghana Kaat (Ghana Card): Adeyɛfo de wɔn Ghana Kaat kyerɛ denam fon nkrataa anaa wɛbsaet so.
- Nsɛm Foforo: Wɔde akatua kyerɛwtohɔ (payslips) ne adwuma ho krataa (employment letter) kyerɛ.
- Nsɛm Hwehwɛ: Wɔhwehwɛ adeyɛfo nsɛm tẽẽ fi Aban akatua nhyehyɛe ne sika ho nsɛm koraafo adwumakuw (Credit Reference Bureau) hɔ.
Sika a Wɔde Ma (Disbursement Methods)
Sika a wɔafa no yɛ ntɛm.
- Akontaabu ho Sika (Bank Transfers): Wɔde sika no kɔ adeyɛfo sikakorabea akontaabu mu.
- Fon Sika (Mobile Money - MoMo): Wɔde sika no kɔ adeyɛfo fon sika akontaabu mu.
Fon Nkrataa (App) no Ho Nsɛm ne Nnipa a Wɔde Di Dwuma ho Nsɛm
Dalex Finance fon nkrataa no anya nnipa pii anim. Wɔ Google Play Store so no, ɛwɔ nkyerɛwee 4.2/5, na wɔ App Store so nso, ɛwɔ nkyerɛwee 4.5/5. Saa fon nkrataa yi ma wotumi yɛ sika foforo adeyɛ, hwɛ akatua ho nsɛm, ne obi a ɔboafo bɛkasa. Nanso, nnipa bi ka sɛ ɛtɔ da bi a sika a wɔde ma no twa akyiri kakra, anaasɛ fon nkrataa no tumi yɛ nsɛm bi wɔ fon a ɛnte saa so.
Aban Mmara a Ɛhwɛ So, Gua so Dibeapɔw, ne Nnipa Nsɛm
Dalex Finance yɛ adwumakuw a ɛwɔ aban mmara ne ahobammɔ a ɛyɛ den.
Aban Mmara a Ɛhwɛ So ne Tumi Krataa
Ghana Sikakorabea Kɛse (Bank of Ghana) na ɛhwɛ Dalex Finance so wɔ Sika Korabea Adwumakuw a Ɛnte Saa Mmara (Non-Bank Financial Institutions Law - PNDCL 328) ne BSDI Mmara no ase. Wɔyɛ Ghana Sika Adwumakuw Fekuw (Ghana Association of Finance Houses) no mufo, na wɔde wɔn ho hyɛ nsɛm koraafo adwumakuw (Credit Reference Bureau) ho adwuma mu. Wɔhwɛ sɛ wɔdi sika ho bɔne akyi ne nnipa ho nsɛm a wɔhwehwɛ (AML/KYC) mmara so pɛpɛɛpɛ.
Gua so Dibeapɔw ne Akansifo (Market Position & Competitors)
Wɔ Ghana sika foforo gua so no, Dalex Finance ka adwumakuw anum a ɛdi kan no ho, titiriw wɔ akatua sika foforo mu. Wɔn akansifo titiriw ne adwumakuw te sɛ Bayport Financial Services, YAPI Loans, ne FBN Finance. Nanso, Dalex Finance da nsow wɔ fon so adeyɛ koraa, sika foforo a ɛwɔ ahobammɔ denam Aban akatua mu twitwi so, ne sika a wɔde sie ho mfaso a ɛyɛ papa (ɔha mu nkyekyɛmu dumien kosi dunum ne akyi (12%-15.5%) afe biara).
Nnipa Nsɛm (Customer Reviews)
Dalex Finance anya nnipa pii ayeyi wɔ wɔn fon nkrataa (app) so. Google Play so nkyerɛwee yɛ 4.2/5, na App Store so nso yɛ 4.5/5. Nnipa pii ka sɛ wɔn fon nkrataa no yɛ mmerɛw na ɛyɛ ntɛm. Wɔn a wɔboa nnipa no nso yɛ ntɛm, na wɔtumi ma mmuae wɔ simma abien pɛ mu. Saa sika foforo no aboa akyerɛkyerɛfo ne ayaresabea adwumayɛfo pii ma wɔatumi adi wɔn ahiade ho dwuma.
Afotu a Ɛho Hia ma Wɔn a Wɔpɛ Sika Foforo
Ansa na wubefi Dalex Finance afa sika foforo no, nsɛm bi wɔ hɔ a ɛsɛ sɛ wususuw ho.
- Sua Nsɛm ne Nneɛma Hwehwɛ (Understand Terms and Conditions): Hwɛ Dalex Finance sika a wɔde ka ho, tua, ne akatua ho mmara no mu yiye ansa na wode wo ho ahyɛ mu. Hwɛ sɛ wote sika a wɔde ka ho pɛpɛɛpɛ (flat rate) ne APR no nsonoe no ase.
- Hwɛ sɛ Wubetumi Atua (Assess Affordability): Hwɛ sɛ wo akatua betumi atua sika foforo no wɔ mmere a wɔahyehyɛ no mu a ɛnsɛe wo sikasɛm nhyehyɛe afoforo.
- Fa Fon Nkrataa no Di Dwuma Yiye (Utilize the Mobile App Effectively): Fa wɔn fon nkrataa no di dwuma yiye de yɛ wo adeyɛ, hwɛ wo sika foforo nsɛm, na wo ne wɔn nna so.
- Bɔbra Akansifo (Compare with Competitors): Ansa na wubefa sika foforo biara no, bɔbra Dalex Finance ne adwumakuw afoforo a wɔde sika foforo ma wɔ Ghana no ho nsɛm, na hwɛ nea ɛyɛ wo de yiye.
- Tua wo Sika no Mmere Pa mu (Repay On Time): Ma wo sika foforo akatua no nyɛ wo ade titiriw. Sɛ wutua wo sika no mmere pa mu a, ɛboa wo ma wunya sika ho din pa, na wutumi fa sika foforo foforo daakye.
Dalex Finance ada ne ho adi sɛ ɛyɛ sikakorabea a ɛboa Ghanafo pii denam sika foforo a ɛyɛ mmerɛw na ɛwɔ ahobammɔ so. Sɛ wode fon so adwumayɛ ne ahobammɔ a ɛwɔ Aban akatua mu twitwi so bata ho a, ɛyɛ adwumakuw a ɛda nsow wɔ Ghana sikasɛm mu.
