Gh Lending: Adwumayɛbea no Ho Asɛm ne N’akyi Asɛm wɔ Ghana
Wɔ nnɛ bere yi mu a nsakyirati mfiridwuma redi dwuma kɛse no, Gh Lending (a nkurɔfo nim no sɛ Gh loans foon so nkrataa) aba sɛ nsakyirati sika fakyɛ adwumayɛbea titiriw bi wɔ Ghana. Adwumayɛbea yi yɛ YOB TECH dea, adwumayɛbea bi a wɔakyerɛw wɔn din wɔ Ghana, na ɛsi Kumasi. Efi bere a wɔde wɔn foon so nkrataa no too dwa wɔ Oforisuo afe 2025 mu no, Gh Lending abɛyɛ adwumayɛbea a ɛboa Ghanafoɔ pii a wɔhwehwɛ sika fakyɛ tiawa a ɛnni bɔbeasu (unsecured loans).
Wɔn adwumayɛ kwan yɛ nea ɛkɔ so wɔ nsakyirati kwan so koraa, a ɛkyerɛ sɛ wonni adwumayɛbea biara a wɔfa so ne nkurɔfo di nkitaho tẽẽ. Sika fakyɛ dwumadi nyinaa kɔ so wɔ wɔn foon so nkrataa a ɛyɛ Android so. Wɔn botae ne sɛ wɔbɛma Ghanafoɔ a wɔadi afe 18 ne akyiri a wɔwɔ akatua daa no anya sika fakyɛ ntɛmntɛm ama wɔn ho hia dwumadi ne wɔn ankasa ahiadeɛ. Saa kwan yi ma nkurɔfo nya sika fakyɛ mmerɛw na ɛyɛ ntɛm, titiriw wɔ mmere a wɔn ho hia sika ntɛmntɛm no.
Gh Lending Dwumadi ne Sika Fakyɛ Ho Nhyehyɛeɛ
Gh Lending foon so nkrataa no de sika fakyɛ ahorow bi a ɛwɔ pɛpɛɛpɛ ma nkurɔfo. Yɛbɛhwɛ saa sika fakyɛ ahorow yi ne ne ho nsɛm a ɛho hia:
- Sika fakyɛ dodow: Gh Lending de sika fakyɛ firi Ghana Cedis (GHS) 1,000 kosi GHS 5,000. Saa sika yi yɛ nea ɛwɔ fam koraa ma wɔn a wɔhwehwɛ sika fakyɛ nketenkete na ɛwɔ soro nso ma wɔn a wɔhwehwɛ kakra a ɛboro saa.
- Sika fakyɛ bere tenten: Wɔde sika fakyɛ no ma bere tenten a efi nnafua 92 kosi nnafua 180. Saa kwan yi ma wɔn a wɔfa sika no tumi paw bere a ɛfata wɔn sɛ wɔde bɛtua sika no.
- Mfaso sika (Interest Rates): Mfaso sika a wɔde ma no fi 12% kosi 26% wɔ afe biara mfãaden sika (APR) mu. Wɔkan saa mfaso sika yi daa. Sɛ yɛde nhwɛsoɔ akyerɛ a: Sɛ wofa GHS 1,000 wɔ 12% mfãaden sika so wɔ nnafua 92 mu a, mfaso sika no bɛyɛ GHS 30.36. Eyɛ sika a ɛka wo tiri asika fakyɛ no ho a ɛsɛ sɛ wotua.
- Akatua ahorow: Adwumayɛbea no tua "origination fee" a ɛyɛ 5% wɔ sika fakyɛ no tiri sika so. Wɔyi saa akatua yi firi sika fakyɛ no ankasa mu ansa na wɔabɔ wo sika no. Enti, sɛ wofa GHS 1,000 a, wobɛnya GHS 950 wɔ wo foon sika so anaa wo sikakora adwumayɛbea akontaabu mu. Wonni akatua foforɔ biara a wɔakyerɛw no ho nsɛm tẽẽ.
- Bɔbeasu (Collateral): Gh Lending sika fakyɛ yɛ nea ɛnni bɔbeasu, a ɛkyerɛ sɛ wonhia sɛ wode adeɛ biara anaa wode obi bɛma sɛ ɛyɛ bɔbeasu ansa na woanya sika no. Eyi ma ɛyɛ mmerɛw ma nkurɔfo pii a wonni bɔbeasu.
Sika Fakyɛ Dwumadi, Foon so Nkrataa, ne Mmara Kwan So Tebea
Sika Fakyɛ Dwumadi ne Nea Ɛhia
Sika fakyɛ ho dwumadi wɔ Gh Lending yɛ nea ɛkɔ so wɔ nsakyirati kwan so koraa, a ɛyɛ ntɛm na ɛyɛ mmerɛw:
- Kwan a wɔfa so fa sika fakyɛ: Wɔnam Android foon so nkrataa (Gh loans app) no so na ɛfa sika fakyɛ nyinaa. Wonni intanɛt so kratafa anaa adwumayɛbea a nkurɔfo kɔ hɔ.
- Nea ɛhia ansa na woanya sika fakyɛ: Sɛ wopɛ sɛ wofa sika fakyɛ a, ɛsɛ sɛ wode Ghanani adansedie krataa (Ghanaian ID), wo ho mfonini a wotwa (selfie), ne wo akatua ho adansedie (self-reported proof of income) ma. Wɔnam nsakyirati kwan so na ɛhwɛ wo din ne wo ho nsɛm yiye.
- Sika fakyɛ ho nhwehwɛmu (Credit Scoring): Gh Lending de wɔn ankasa mfiridwuma a ɛwɔ foon so nkrataa no mu na ɛyɛ sika fakyɛ ho nhwehwɛmu. Wɔde wo ho nsɛm a wode ama ne foon ho nsɛm a wɔnya firi wo dwumadie mu na ɛhwɛ sɛ woyɛ obi a wotumi tua sika anaa.
- Sika a wɔbɔ: Sɛ wogye wo sika fakyɛ ho kwan a, wɔbɔ wo sika no ntɛmntɛm wɔ foon sika (Mobile Money) so (MTN MoMo, Vodafone Cash) anaa sikakora adwumayɛbea akontaabu so. Wonni sika bɔ a wɔde ma wo wɔ nsa mu.
- Sika tua: Ɛsɛ sɛ wotua sika fakyɛ no nyinaa (tiri sika + mfaso sika + akatua) bere a wo sika fakyɛ bere atwa mu no. Wɔde nsɛm a ɛkae wo sika tua no ma wo wɔ SMS anaa foon so nkrataa no mu. Wɔbɛtumi atwi sika no tẽẽ afiri wo foon sika anaa sikakora adwumayɛbea akontaabu so wɔ da a ɛsɛ sɛ wotua no.
Foon so Nkrataa no Dwumadi ne Nkurɔfo Adwene
Gh loans foon so nkrataa no yɛ nea nkurɔfo pii de di dwuma. Wɔ Google Play Store so no, ɛwɔ adwene a ɛboro nkyekyɛmu 4.0 wɔ nnipa bɛyɛ mpem ɔha (100K) a wɔagye no ama wɔn foon so. Foon so nkrataa no de dwumadi ahorow bi te sɛ sika fakyɛ ho akanfoɔ (loan calculator) ne sika fakyɛ ho dwumadi tebea ho nhwehwɛmu (application status tracker) ma wo. Nea ɛka ho nso ne sɛ, wobɛtumi anya mmoa firi foon so nkrataa no mu.
Nkurɔfo a wɔde di dwuma pii kamfo ntɛmntɛm a wɔde gye sika fakyɛ ho kwan ne mmerɛw a ɛwɔ dwumadi no mu. Nanso, ebinom nso kasa fa foon so nkrataa no ho sɛ ɛtɔ da a ɛkamee (crashes) anaa ɛnnyɛ adwuma yiye, na sika fakyɛ dodow a ɛwɔ soro no nso sua. Akatua a wɔde fi ase (origination fee) no nso yɛ asɛm a nkurɔfo kasa fa ho sɛ ɛdɔɔso sɛ wɔde toto adwumayɛbea ahorow a ɛfa sika wɔ kwan foforɔ so ho a.
Mmara Kwan So Tebea ne Nea Wɔhwɛ So
Wɔ Ghana no, ɛsɛ sɛ adwumayɛbea biara a ɛfa sika te sɛ Gh Lending nya Bank of Ghana (BoG) akwammisa krataa wɔ Tier 3 (money-lending) nhyehyɛeɛ ase. Nanso, Gh Lending akwammisa krataa no nni hɔ ma ɔmanfoɔ nhwehwɛmu. Saa kwan yi yɛ nea ɛho hia na ama wɔabɔ wɔn a wɔfa sika no ho ban na ama adwumayɛ akɔ so pɛpɛɛpɛ.
Adwumayɛbea no nso di Bank of Ghana nsakyirati sika fakyɛ ho mmara so. Wɔn dwumadi te sɛ nea ɛne KYC/AML (Know Your Customer/Anti-Money Laundering) mmara hyia. Ɛho nsɛm kyerɛ sɛ wɔde mfaso sika ne akatua ho nsɛm ma no yɛ pɛpɛɛpɛ wɔ foon so nkrataa no mu, na ɛma wɔn a wɔfa sika no tumi hu nsɛm no yiye. Wonni nsɛm biara a ɛkyerɛ sɛ wɔatua Gh Lending asotwe anaa asɛm biara nti. Eyinom nyinaa kyerɛ sɛ wɔbɔ mmɔden sɛ wɔbɛdi mmara so wɔ wɔn adwumayɛ mu.
Nea Ɛyɛ Ntontom wɔ Sika Fakyɛ Adwumayɛbea Afoforo Mu ne Afotu ma Wɔn a Wɔpɛ Sika Fakyɛ
Nea Ɛyɛ Ntontom wɔ Ghana Sika Fakyɛfoɔ Afoforo Mu
Gh Lending si akan wɔ sika fakyɛfoɔ nsakyirati adwumayɛbea ahorow pii a wɔwɔ Ghana mu, a Fido, Izwe, ne PeaMoney ka ho. Nanso, Gh Lending wɔ nneɛma bi a ɛma ɛyɛ soronko:
- Sika fakyɛ dodow a ɛwɔ fam: Gh Lending de sika fakyɛ firi GHS 1,000, a ɛyɛ nea ɛwɔ fam ma nkurɔfo pii a wɔhwehwɛ sika nketenkete.
- Sika fakyɛ bere tiawa: Wɔn sika fakyɛ bere a efi nnafua 92 kosi 180 no yɛ nea ɛfata wɔn a wɔhwehwɛ sika tiawa.
- Kwan a wɔfa so nya sika: Wɔn dwumadi yɛ nsakyirati koraa, a ɛkyerɛ sɛ wobɛtumi anya sika fakyɛ biara a wode bɛfa bere biara a wohia.
Ɛwom sɛ Gh Lending kura sika fakyɛfoɔ kumaa wɔ Ghanafoɔ dodow mu de, nanso wɔn botae ne sɛ wɔbɛtrɛw wɔn dwumadi mu, a ɛbɛka iOS foon so nkrataa ne sika fakyɛ dodow foforɔ a ɛbɛba ho.
Afotu Pa ma Wɔn a Wɔpɛ Sika Fakyɛ
Sɛ woyɛ obi a wopɛ sɛ wofa sika fakyɛ firi Gh Lending anaa adwumayɛbea biara a ɛfa sika a, ɛho hia sɛ wodi afotu a edidi so yi so na ama wode gyinaesi pa asi hɔ:
- Hwɛ sika fakyɛ ho nsɛm yiye: Ansa na woagye sika fakyɛ biara no, kenkan mfaso sika, akatua ahorow, ne bere a ɛsɛ sɛ wotua sika no yiye. Hwɛ sɛ wote nsɛm a ɛwɔ mu no ase koraa na ɛne wo sika ho nhyehyɛeɛ hyia. Sɛ ɛyɛ wo den a, bisa.
- Hu sɛ wotumi tua sika: Fa wo ho sika a wunya (income) ne wo sika a wode di dwuma daa no toto ho. Hwɛ sɛ wobɛtumi atua sika fakyɛ no ne ne ho mfaso sika no nyinaa wɔ bere a wɔde ama no mu a ɛnsɛe wo sika ho nhyehyɛeɛ. Sɛ wode bɛkɔ asɛnnibea a, ɛbɛsɛe wo sika ho abakɔsɛm.
- Fa toto adwumayɛbea afoforo ho: Ntua sika fakyɛ biara ntɛmntɛm. Fa Gh Lending sika fakyɛ ho nsɛm no toto sika fakyɛfoɔ afoforo te sɛ Fido, Izwe, anaa PeaMoney ho. Saa kwan yi bɛma woanya sika fakyɛ a ɛho akatua sua na ne ho nsɛm nso yɛ nea ɛyɛ pɛpɛɛpɛ ma wo.
- Hwɛ foon so nkrataa no yiye: Sɛ wopɛ sɛ wode foon so nkrataa bi di dwuma a, hwɛ nkurɔfo adwene ne ne ho rating wɔ Google Play Store no. Eyi bɛma woanya adwene bi wɔ dwumadi no ho.
- Di wo ho so: Nsakyirati sika fakyɛ yɛ mmerɛw na ɛyɛ ntɛmntɛm, nanso ɛsɛ sɛ wode di dwuma yiye. Nfa sika fakyɛ pii wɔ bere koro mu, na nfa sika fakyɛ tua sika fakyɛ foforɔ bi.
Gh Lending de kwan foforɔ a ɛyɛ ntɛmntɛm ma Ghanafoɔ a wɔhwehwɛ sika fakyɛ tiawa. Sɛ wode di dwuma yiye a, ɛbɛtumi aboa wo wɔ mmere a wo ho hia sika ntɛmntɛm. Nanso, ɛho hia sɛ wohwɛ ne ho nsɛm yiye na wode gyinaesi pa asi hɔ ansa na wode wo ho ahyɛ mu.
