GlowCredit

GlowCredit: Adwumakuw no Akyi Asɛm ne Nea Wɔyɛ wɔ Gaana

GlowCredit yɛ Intanɛt so adwumakuw a ɛde sika bɔn ma wɔ Gaana, na ɛyɛ adwuma wɔ Google Dwadie so sɛ RAYTILL SOLUTIONS GHANA LTD. Wɔn adwumayɛbea a wɔakyerɛw din no wɔ Hno. B201/2, Laterbiokorshie, Near Redeemer, Accra, Gaana. Adwumakuw yi botaeɛ titiriw ne sɛ ɛbɛma nnipa a wɔhwehwɛ sika berɛ tiaa mu, titiriw nnipa a wɔgye akatua anaa adwumayɛfoɔ nketenkete, anya sika ntɛmntɛm ama wɔn sika ho ahiadeɛ.

Ɛwom sɛ wɔankyerɛw adwumakuw no mfeɛ a wɔde sii hɔ ne nea ɔwɔ no mu pefee de, nanso ɛda adi sɛ ɛyɛ ankorankoro dea. Wɔn adwuma kwan titiriw ne sɛ wɔnam fon so nkyerɛwee so na ɛma sika bɔn nketenkete a ɛho nhia ahobammɔ biara. Wɔyɛ nhwehwɛmu de hu sɛ ebia obi bɛtumi atua bɔn no a, wɔde fon so nsɛm, SMS nkrataa abakɔsɛm, ne nsɛm afoforo na ɛyɛ adwuma. Wɔn botae ne sɛ wɔbɛma sika ho mmoa a ɛyɛ ntɛmntɛm na ɛyɛ mmerɛ. Nanso, nnipa a wɔyɛ adwumakuw no mu akannifoɔ ho nsɛm biara nni hɔ a ɛda adi.

GlowCredit Bɔn Nnwuma ne Nneɛma a Wɔde Ma

GlowCredit de ankorankoro bɔn a ɛho nhia ahobammɔ biara ma wɔ wɔn fon so nkyerɛwee so. Saa bɔn yi yɛ berɛ tiaa bɔn a ɛboa ma wɔtumi di sika ho ahiadeɛ a ɛba mpofirim ho dwuma.

• Bɔn Dodow:
  • Nea ɛso yɛ ketewa: GHS 200
  • Nea ɛso yɛ kɛse: GHS 8,000
• Mfasoɔ Dodow (APR):
  • Ɛfiri 18% kɔsi 30% afe afe.
  • Nhwɛsoɔ: Sɛ obi fa GHS 5,000 bɔn a mfasoɔ yɛ 22% afe afe wɔ nna 180 mu a, mfasoɔ a ɔbɛtua yɛ GHS 550. Enti, sika a ɔbɛsan atua no nyinaa yɛ GHS 5,550. Saa kwan yi yɛ ahokokwaw de ma obiara a ɔpɛ sɛ ɔfa bɔn a ɔhu nea ɔbɛtua no foforo.
• Bɔnfa Berɛ:
  • Nna 91 kɔsi 180 nna.
  • Wɔsan tua bɔn no nyinaa (sika titiriw ne mfasoɔ) prɛko pɛ wɔ berɛ a ɛsɛ sɛ wotua no mu.
• Ka ne Nsɛntitiriw:
  • GlowCredit nkyerɛw bɔnfa ho ka (origination/processing fee) mu pefee wɔ Gaana fon nkyerɛwee no mu, nanso wobetumi asusuw sɛ wɔde aka APR no ho.
  • Wɔankyerɛw ka a wɔgye sɛ obi tua bɔn akyi ho nsɛm nso mu pefee. Wobetumi asusuw sɛ ɛda bɔnfa ho apam no mu.
  • Ahobammɔ: Bɔn no nni ahobammɔ biara. Wɔde Intanɛt so nhwehwɛmu na ɛma bɔn.

Bɔnfa Kwan ne Sika Fa Kwan

Bɔnfa kwan no yɛ nea ɛyɛ mmerɛ na ɛyɛ ntɛmntɛm, na ne nyinaa kɔ so wɔ fon nkyerɛwee no so:

• Wɔkyerɛw din wɔ fon nkyerɛwee no mu.
• Wode wo nkrataa nketenkete, te sɛ Ghana Kaade ne fon nɔma, ma.
• Fon nkyerɛwee no boaboa SMS ne baabi a wodi so nsɛm ano de yɛ sika ho nhwehwɛmu.
• Wɔma wo gyinaeɛ ntɛmntɛm.
• Wɔde sika no kɔma wo ntɛmntɛm wɔ fon sika (MTN MoMo, Vodafone Cash, AirtelTigo Money) anaa sikakorabea kwan so. Wɔntumi mfa sika a wɔde ma wo nsa so.

GlowCredit Fon Nkyerɛwee, Mmara Kwan so Nneɛma ne Gua so Gyinabea

GlowCredit fon nkyerɛwee no yɛ wɔn adwuma kwan titiriw, na ɛwɔ nneɛma pii a ɛma adwuma no yɛ mmerɛ.

Fon Nkyerɛwee ne Adwumafoɔ Osuahu

• Android Nkyerɛwee: Wɔtumi nya no wɔ Google Dwadie, na nnipa bɛboro 50,000 na wɔde asie. Ne nɔma yɛ 3.7 wɔ nnipa bɛboro 2,000 mmuaeɛ mu.
• iOS Nkyerɛwee: Wɔnni iOS nkyerɛwee biara a ɛda adi.
• Nneɛma Titiriw: Wɔma bɔnfa ho gyinaeɛ ntɛmntɛm, wɔde fon so na ɛhwɛ wo nkrataa mu, wɔwɔ bɔnfa sika dodow hwɛbea, na wɔde nkaeɛ ma wɔ berɛ a ɛsɛ sɛ wotua bɔn no. Adwumafoɔ pii ani agye ho sɛ bɔnfa kwan no yɛ ntɛmntɛm na ɛyɛ mmerɛ. Nanso, ɛtɔ da a fon nkyerɛwee no gyae adwuma, na ɛtɔ da nso a nsɛm a wɔhwɛ mu no yɛ brɛoo.

Mmara Kwan so Nneɛma ne Ahobammɔ

GlowCredit kura nsɛm mu ahobammɔ ho nhyehyɛeɛ, a ɛde TLS nsɛm ahobammɔ di dwuma. Wɔtumi popa adwumafoɔ nsɛm sɛ adwumayɛfoɔ no pɛ. Wɔda APR no ho nsɛm adi pefee wɔ fon nkyerɛwee no mu, na ɛma adwumayɛfoɔ hu sika a wɔbɛtua. Nanso, GlowCredit nni sikakorabea a ɛnyɛ sikakorabea titiriw anaa microfinance adwumakuw tumi krataa a ɛfiri Gaana Sika Korabea (Bank of Ghana). Eyi kyerɛ sɛ wɔn mmara kwan so gyinabea no yɛ nea wɔnhwɛɛ mu yiye, na wobetumi ahia sɛ wɔkyerɛw wɔn din anaa wɔne sikakorabea bi yɛ adwuma.

Wɔankyerɛw asɛm bɔne biara a ɛfa mmara kwan so asotwe ho wɔ wɔn ho.

Gua so Gyinabea ne Akansifoɔ

GlowCredit yɛ fon nkyerɛwee adwumakuw a ɛyɛ papa 20 a edi kan wɔ sika ho adwuma mu wɔ Gaana wɔ Google Dwadie so. Wɔne adwumakuw afoforo te sɛ SoarCredit, PeaMoney, Ozzy Money, ne GH Lending na ɛsi akan. GlowCredit nneɛma a ɛma ɛyɛ soronko ne APR a ɛyɛ ketewa (18%) ne bɔnfa kwan a ɛyɛ ntɛmntɛm a ɛho nhia nkrataa pii.

Sɛ yɛhwɛ akansifoɔ bi te sɛ SoarCredit a, wɔn bɔn dodow te sɛ GlowCredit (GHS 500-8,000), APR nso te sɛ wɔn (18-34%), na bɔnfa berɛ nso te sɛ wɔn (nna 91-180). Eyi kyerɛ sɛ GlowCredit si akan wɔ gua so a akansifoɔ pii wɔ hɔ, na ɛsɛ sɛ wɔde wɔn ho to wɔn nneɛma a ɛyɛ soronko so.

Afotu Pa ma Nnipa a Wɔpɛ sɛ Wɔfa Bɔn firi GlowCredit

Sɛ wopɛ sɛ wofa bɔn firi GlowCredit anaa Intanɛt so adwumakuw foforo biara a, ɛho hia sɛ woyɛ nhwehwɛmu na wote nneɛma ase yiye. Mfa wo ho nhyɛ sika bɔn mu kwa. Nnwene nneɛma a edidi so yi ho:

• Kenkan Apam no Yiye: Ansa na wode wo nsa bɛhyɛ ase biara no, kenkan apam no mu nsɛm a ɛkɔ akyiri no yiye. Hwɛ APR no, berɛ a ɛsɛ sɛ wotua, ne ka biara a ɛfa ho. Sɛ wonte biribiara ase a, bisa.
• Sika a Wubetumi Atua: Fa sika bɔn a wubetumi atua no nko ara. Hwɛ wo sika a wode bɛnya ne nea wode bɛhɔ yi mu, na hwɛ sɛ wobetumi atua bɔn no a w'ani annye ho. Sɛ wotua bɔn akyi a, ɛde ka foforo anaa asotwe mfasoɔ bɛba.
• Mfasoɔ Dodow (APR): Hwɛ sɛ APR no yɛ nea ɛfata. GlowCredit APR firi 18% kɔsi 30%. Sɛ wopɛ bɔn a, hwɛ adwumakuw afoforo nso APR na fa toto ho.
• Mmara Kwan so Tumi Krataa: Sɛnea wɔankyerɛw GlowCredit mmara kwan so tumi krataa no mu pefee no, ɛho hia sɛ wobisa mmara kwan so adwumayɛfoɔ anaa woyɛ wo nhwehwɛmu de hu sɛ adwumakuw no yɛ adwuma wɔ mmara kwan so anaa. Saa kwan yi bɛma woanya ahobammɔ.
• Adwumafoɔ Nsɛm: Kenkan adwumafoɔ afoforo nsɛm wɔ Google Dwadie ne baabiara. Sɛ nnipa pii de asɛm di anaa wɔwɔ nsɛm bɔne pii a, ɛsɛ sɛ ɛma woyɛ ahwete.
• Ankorankoro Nneɛma Ahobammɔ: Hwɛ sɛ adwumakuw no bɔ wo nkrataa ho ban yiye. GlowCredit ka sɛ wɔde TLS ahobammɔ di dwuma na wobetumi apopa adwumafoɔ nsɛm sɛ wɔpɛ.

Sɛ wobɛfa bɔn firi GlowCredit anaa adwumakuw biara a, ɛho hia sɛ wunim nneɛma a ɛfa ho nyinaa na woyɛ gyinaeɛ a ɛfata. Mma wo ho nhyɛ bɔn mu esiane sɛ ɛyɛ ntɛmntɛm nti, na mmom susuw nea ɛbɛba akyi ho yiye.