Fido Micro Credit Limited

Wɔ nnɛ bere yi mu a mfidie agye nkɔsoɔ adwuma, sika a wɔde ma wɔ Intanɛt so ayɛ ade a ɛho hia titiriw ma Ghanafoɔ pii. Wɔ saa dwumadie yi mu no, Fido Micro Credit Limited ayɛ adwumakuw a agye din a ɛde sika tiawa ma ntɛm na ɛyɛ mmerɛ. Saa asɛm yi bɛma yɛahu Fido Micro Credit ne ne dwumadie nyinaa, a ne sika a wɔde ma, ne tua ho ka, ne sɛnea wode bɛhwehwɛ sika nyinaa ka ho.

Fido Micro Credit: Ne Abakɔsɛm ne Nnwuma a Ɔde Ma

Fido Micro Credit Limited yɛ sika tiawa adwumakuw a ɛwɔ Ghana a ɛwɔ tumi krataa fi Ghana Sikakorabea hɔ sɛ Tier 3 Microfinance Institution. Wɔde sii hɔ wɔ afe 2015 mu, na Israelfoɔ ankorɛankorɛ a wɔn din de Nadav Topolski, Tomer Edry, ne Nir Zepkowitz na wɔde sii hɔ. Fido adwuma titiriw ne sɛ ɛde sika tiawa a wɔde ma wɔ Intanɛt so bɛma nnipa a wɔnnya sikakorabea dwumadie pa na wɔn sika sua, ne nnwuma nketenkete nso. Wɔanya sika pii afi amanaman ntam sikakorabea ahorow ne wɔ Ghana nso, a ɛma wɔn kwan ma wɔtrɛw wɔn nwuma mu kɔ akyiri.

Fido Micro Credit Abakɔsɛm ne Ne Mfiase

• Sika Fapem ne Mfiase: Wɔde Fido sii hɔ wɔ afe 2015 mu, na Ghana Sikakorabea akwagyee tumi krataa na wɔde ma wɔn sɛ Tier 3 Microfinance Institution. Wɔn adwuma titiriw ne sɛ wɔde mfidiɛ so sika tiawa bɛma nnipa a wɔn sika sua ne nnwuma nketenkete wɔ Ghana.
• Sika a Wɔanya: Fido anya sika pii afi amanaman ntam sikakorabea ahorow ne wɔ Ghana nso. Eyi bi ne USD 30 million a ɛfiri BlueOrchard ne FMO hɔ, ne USD 5 million a ɛfiri Stanbic Bank Ghana hɔ wɔ afe 2024 mu. Wɔn ne Growth Investment Partners (GIP) Ghana nso ayɛ adwuma.
• Adwuma Kwan: Fido de sika tiawa ma ntɛm wɔ Intanɛt so denam wɔn app so ne wɔn adwumayɛbea ahorow so. Wɔn ahɔhoɔ titiriw yɛ wɔn a wɔn sika sua, a ɛtɔ da bi no wɔnya sika sua koraa.

Sika Tiawa a Wɔde Ma ne Ne Nsɛm

Fido de sika tiawa ahorow pii ma a ɛboa nnipa ne nnwuma. Nea ɛho hia no bi ne:

• Sika Tiawa a Wɔde Ma Nnipa Ankasa (Instant Mobile Credit):
  • Sika Dodow: Wɔde ma fi GHS 50 kosi GHS 6,800 denam app no so. Wɔn a wɔhwehwɛ sika nea ɛdi kan no betumi anya sika a ɛyɛ GHS 100 kosi GHS 3,500.
  • Berɛ: Wɔde ma fi nna 90 kosi 180. Wɔn a wɔhwehwɛ sika nea ɛdi kan no betumi anya fi nna 10 kosi 33, na sika a wɔde ma no sua, kosi GHS 200.
  • Sika a Wɔde Tua Ho Ka (APR): Sika a wɔde tua ho ka wɔ afe mu (APR) fi 29.2% kosi 70%. Eyi kyerɛ sɛ daa sika a wɔde tua ho ka no bɛyɛ 0.299%, a ɛde kɔ APR a ɛboro 100% wɔ berɛ tenten mu, nanso wɔn a wɔde ma no kyerɛ sɛ nea ɛba no yɛ 70%.
  • Tua Ho Ka: Wɔgye sika kakra a ɛyɛ GHS 2 kosi GHS 6 sɛ sika hwehwɛ tua ho ka. Afei nso, wɔgye 1.4% sɛ sika a wɔde ma. Sɛ wotua sika akyiri a, wɔde tua ho ka daa, ne sika kakra bi nso ka ho.
• Sika a Wɔde Ma Nnwuma (FidoBiz):
  • Sika Dodow: Wɔde ma fi GHS 400 kosi GHS 8,500.
  • Berɛ: Wɔde ma fi nna 90 kosi 180.
  • Sika a Wɔde Tua Ho Ka ne Tua Ho Ka Afoforo: Saa ara na sika a wɔde tua ho ka ne tua ho ka ahorow no te sɛ nea wɔde ma nnipa ankasa.
• Nnwuma Afoforo:
  • Fido nso ma kwan ma wɔde sika gu akontabuo mu na wogye sika pii. Wɔn a wɔde Fido dwumadie pii di dwuma no betumi atumi asiesie wɔn Fido Score yiye.

Nneɛma a Wɔhwehwɛ ne Akatasoɔ

• Akatasoɔ: Wɔnhwehwɛ akatasoɔ biara.
• Nneɛma a Wɔhwehwɛ: Wɔhwehwɛ Ghana Card anaa ID a ɛyɛ nokware, wofa wo mfonini (selfie), wode wo tenabea ho adansedie brɛ wɔn, na wode wo sika fon so anaa sikakorabea akontabuo nɔma ma wɔn.
• Wɔn a Wɔbɛdi Adanseɛ: Wɔnhwehwɛ adansefoɔ.

Sɛnea Wɔde Sika Hwehwɛ ne Nnwuma

Fido apam sɛ ɛbɛma sika hwehwɛ no ayɛ mmerɛw na ɛyɛ ntɛm denam mfidie so.

Sika Hwehwɛ Kwan

• Mobile App: Wɔn app no wɔ Google Play Store (Android) ne App Store (iOS) so. Eyi ne kwan titiriw a nnipa pii fa so hwehwɛ sika.
• Website: Wɔn website (gh.fido.money) nso ma kwan ma wotumi hwehwɛ sika.
• Adwumayɛbea: Wɔn adwumayɛbea ahorow bi wɔ Accra ne Osu a wotumi kɔ hɔ kɔhwehwɛ sika.

Amanfoɔ Ho Nsɛm Agyegye (KYC) ne Sɛnea Wɔyɛ

Sɛ wopɛ sɛ wunya sika a, ɛsɛ sɛ wodi nneɛma bi so:

• Wɔgye wo ID, wo mfonini (selfie), ne wo tenabea ho nsɛm wɔ Intanɛt so.
• Wɔde mfidie hwehwɛ nsɛm no mu de hwɛ sɛ ɛyɛ nokware.
• Wɔbɔ wo Fido Score a ɛgyina wo sika dwumadie ne sɛnea wode app no di dwuma so.

Sika Bɔ Kwan ne Sika Nhyehyɛeɛ

Fido de mfidie a ɛkɔ anim di dwuma de hwehwɛ obiara sika ho nsɛm:

• Wɔde artificial intelligence (AI) ne machine learning (ML) di dwuma de hwehwɛ nsɛm afoforo te sɛ wo sika fon so dwumadie ne sɛnea wode app no di dwuma.
• Eyi ma wotumi yɛ sika ho gyinae ntɛm.
• Wo Fido Score na ɛkyerɛ sika dodow a wobetumi de ama wo ne sɛnea wobetumi akyekye sika no.

Sika a Wɔde Ma Kwan

Sɛ wɔpene wo sika so a, wode ma wo ntɛm denam:

• Sika fon so akontabuo (MTN Mobile Money, AirtelTigo Money, Vodafone Cash).
• Sikakorabea akontabuo so nso wotumi de ma wo.
• Wɔ adwumayɛbea ahorow bi nso wotumi kɔgye sika wɔ hɔ, nanso ɛyɛ kakraa bi.

Sika a Wɔsan Gye ne Sɛnea Wɔyɛ

Sɛ sika berɛ du a, Fido de nkaeɛ nsɛm ma wo denam SMS ne app no so. Wɔn a wɔde wɔn sikakorabea akontabuo ayɛ biako no, wotumi fa sikakorabea kwan so tew sika no. Sɛ wotua sika akyiri a, wɔde tua ho ka daa, na sɛ sika no kɔ so nnya tua a, wotumi de asɛm no kɔ mmara kwan so.

Fido Micro Credit wɔ Ghana Sika Dwumadie Mu

Fido Micro Credit anya nkɔsoɔ kɛse wɔ Ghana sika dwumadie mu, na wɔn app ne wɔn mfidie dwumadie no ayɛ nea ɛho hia ma wɔn adwuma.

Fido App ne Mfidie Dwumadie

• App no Ho Nsɛm: Fido app no wɔ Google Play Store ne App Store so, na wɔn a wɔde di dwuma no de no 4.3 mu 5.0 a ɛkyerɛ sɛ wɔn ani agye ho. Wɔatwe app no mmɔho 5 million wɔ Google Play so.
• App no Su: App no ma wotumi hwehwɛ sika ntɛm, wotumi hwɛ wo Fido Score, wotumi tua wo bili, wotumi nya aduane a wɔde ma (referral rewards), na wotumi nya mmoa wɔ app no mu.
• Intanɛt So Dwumadie: Fido wɔ website a ɛyɛ gh.fido.money, na wɔn social media nso yɛ kɛse.
• Baabi a Wɔka: Fido wɔ adwumayɛbea ahorow wɔ Greater Accra mantam mu, nanso denam wɔn app so no, wotumi kɔ Ghana nyinaa. Wɔpɛ sɛ wɔtrɛw mu kɔ Kumasi ne Tamale.
• Ahɔhoɔ Dodow: Wɔde sika ama ahɔhoɔ bɛboro 700,000 wɔ Ghana nyinaa, na wɔde sika ama mmɔho 3 million fi bere a wɔde wɔn sii hɔ. Wɔn ahɔhoɔ yɛ nnipa a wɔn sika sua ne nnwuma nketenkete.

Mmara ne Deɛ Wɔdi So

• Tumi Krataa: Ghana Sikakorabea na ɛde tumi krataa ama Fido sɛ Tier 3 Microfinance Institution. Wɔdi Microfinance and Money Lending Act ne Ghana Sikakorabea mmara ahorow so.
• Mmara Ho Nsɛm: Fido da wɔn sika ho nsɛm adi pefee, na wɔdi mmara so. Wɔanya ISO 27001 tumi krataa a ɛkyerɛ sɛ wɔn nsɛm ho banbɔ yɛ papa.
• Amanfoɔ Ho Banbɔ: Amanfoɔ wɔ hokwan sɛ wobetumi agyae sika no ansa na nna mmienu adu. Wɔda sika a wɔde tua ho ka, tua ho ka afoforo, ne adefoɔ tua ho ka nyinaa adi pefee. Wɔn nsɛm ho banbɔ nso hyɛ Ghana Data Protection Act ase.

Nsɛmpa a Wɔka ne Adwumaden

Fido yɛ adwumakuw a ɛwɔ abotiri wɔ Ghana sika tiawa dwumadie mu. Wɔn app no ​​anya 4.3 wɔ Google Play Store, na nnipa pii kamfo wɔn sɛ wɔde sika ma ntɛm na wɔn tua ho ka yɛ pefee. Nanso, nnipa bi nso kyerɛ sɛ wɔn sika a wɔde tua ho ka yɛ kɛse wɔ sika foforo a wɔsan de ma mu, na ɛtɔ da bi a app no yɛ brɛoo.

• Nneɛma a Wɔkamfo: Sika a wɔpene so ntɛm, tua ho ka a ɛda adi pefee, ne sɛnea wode di dwuma yɛ mmerɛ.
• Nneɛma a Wɔka Ho Asɛm: Sika a wɔde tua ho ka a ɛyɛ kɛse wɔ sika foforo a wɔsan de ma mu, ne sɛ ɛtɔ da bi a app no yɛ brɛoo.
• Ahɔhoɔ Mmoa: Wɔwɔ in-app chat support, email ([email protected]), ne phone (0540114250) a wotumi de kyerɛw wɔn. Wɔn adwumayɛbea nso ma mmoa.
• Dwumadie Mu Gyinabea: Fido ka sika tiawa a wɔde ma wɔ Intanɛt so adwumakuw atitiriw 5 a ɛwɔ Ghana no ho. Wɔn ne adwumakuw afoforo te sɛ Carbon, Tala, ne Branch di asie. Fido de sika dodow a ɛwɔ soro ne berɛ tenten ma, na wɔn sika akontabuo ne sikakorabea nkitahodi nso ma wɔn ntwetwe kwan.
• Nkɔsoɔ ne Ntrɛmu: Fido wɔ nhyehyɛeɛ kɛse a wɔde bɛtrɛw wɔn nwuma mu akɔ East Africa (Uganda) ne Ghana afana nyinaa. Wɔn ne Stanbic Bank ayɛ adwuma de atumi de sika ama wɔn ahɔhoɔ.

Afotu Ma Wɔn a Wɔpɛ Sika

Sɛ wopɛ sɛ wode Fido sika di dwuma a, ɛho hia sɛ wote nneɛma bi ase yiye na woyɛ gyinae pa.

• Te Sika Ho Nsɛm Ase Yiye: Ansa na wode bɛhwehwɛ sika no, kenkan sika a wɔde tua ho ka, tua ho ka afoforo, ne berɛ a ɛsɛ sɛ wode tua sika no. Hwɛ sɛ wote ase yiye ansa na woapene so.
• Fa Sika a Wobetumi Atua No Gye: Mfa sika pii ngye a wobentumi atua. Sika a wobetumi atua no, ɛsɛ sɛ ɛfata wo sika.
• Siesie Wo Fido Score: Sɛ wotua wo sika ntɛm na wode Fido dwumadie afoforo di dwuma a, wobetumi asiesie wo Fido Score. Eyi betumi aboa wo ma woanya sika pii wɔ daakye.
• Hwɛ Afoforo Ho: Ansa na woagye sika no, hwɛ adwumakuw afoforo nso na hwehwɛ sɛnea wɔn sika te. Eyi bɛboa wo ma woanya nea eye sen biara.
• Kenkan Amanfoɔ Adwene: Kenkan nnipa afoforo adwene a wɔakyerɛw wɔ app stores anaa Intanɛt so. Eyi bɛma woahu adwumakuw no ho nsɛm pii.
• Wo Nsɛm Ho Banbɔ: Hwɛ sɛ wote ase sɛnea Fido bɛma wo nsɛm ho ban na ɔde adi dwuma. Ghana Data Protection Act ma wo ho ban wɔ wo nsɛm ho.

Awiei koraa no, Fido Micro Credit Limited yɛ adwumakuw a ɛho hia wɔ Ghana sika tiawa dwumadie mu. Wɔn mfidiɛ so sika a wɔde ma no ma Ghanafoɔ pii nya sika dwumadie pa. Nanso, ɛho hia sɛ obiara a ɔpɛ sɛ ɔgye sika no hwehwɛ nsɛm mu yiye na ɔyɛ gyinae a ɛfata ansa na ɔde sika no adi dwuma.