Izwe

Izwe Savings and Loans PLC: Ne Fapem ne Dwumadie wɔ Ghana

Wɔ Ghana sikasɛm mu no, Izwe Savings and Loans PLC yɛ adwumakuo a ɛwɔ aban tumi a ɛma nngongua ne sikakoraeɛ ho nhyehyɛeɛ. Wɔtee adwumakuo yi wɔ Ahinime bosome, afe 2010 mu, na wɔhyɛɛ aseɛ yɛɛ adwuma wɔ Kitawonsa bosome, afe 2011 mu. Izwe adwumayɛbea ti wɔ Maestro Plaza, Kotobabi Main Road, Pig Farm, Accra.

Izwe yɛ adwumakuo a African Micro-Finance Equities Ltd a ɛwɔ Mauritius no na ɛyɛ wɔn dea, a wɔwɔ adwumakuo no mu kyɛfa bɛyɛ ɔha mu nkyekyɛmu aduɔwɔtwe nkron ne akyi (89.1%). Wɔn adwuma titire ne sɛ wɔbɛma wɔn a wɔnnya sika ho mmoa pii wɔ sikasɛm nhyehyɛeɛ foforɔ mu, anaa wɔn a wɔnnya sika ho mmoa koraa no, anya ngongua ne sikakoraeɛ ho nhyehyɛeɛ. Wɔn adwumayɛ kɛseɛ no twe adwene si wɔn a wɔyɛ adwuma wɔ aban anaa aban nnwuma mu, adwumakuo nketewa ne mfinimfini (SMEs), ne ankorankoro so. Wɔn botaeɛ ne sɛ wɔbɛbɔ sikasɛm mu ahobanbɔ ho ban na wɔde sikasɛm mu nsɛnnia a ɛho hia ama wɔn a wɔwɔ Ghana nkuro ne nkuro nketewa mu.

Adwumakuo no animdefoɔ binom ne Managing Director, Raymond Kwakye Bismarck, ne Chairperson, Carole Ramella, a wɔn nyinaa yɛ nnipa a wɔwɔ nimdeɛ kɛseɛ wɔ sikasɛm mu.

Izwe Nngongua ne Sika Nkoraeɛ Dwumadie

Izwe de ngongua ahorow pii ma de hyɛ sikatefoɔ pɛ asɛm mu. Saa ngongua yi bi ne:

• Akatua Ngongua (Payroll Loans)

  Saa ngongua yi yɛ nea wɔde ma aban nnwuma, asraafoɔ, polisifoɔ, sukuupɔn adwumayɛfoɔ, ne sika toɔ akyi kyerɛfoɔ a wɔgye akatua daa. Wɔtumi fɛm sika kɔsi Ghana Sika Cedis ɔpepem baako (GHS 1,000,000), na wɔde sika no san tua kɔsi bosome aduanan nwɔtwe (48) mu. Sika ho mfasoɔ a wɔgyeɛ no de ma sikatefoɔ ansa na wɔde sika no ama no.

• Ankorankoro Ngongua a Ennhia Agyapadeɛ (Unsecured Personal Loans)

  Wɔde saa ngongua yi ma ankorankoro a wɔyɛ adwuma daa wɔ aban, aban nnwuma, anaa nnwumakuo akɛseɛ mu. Wɔtumi fɛm sika kɔsi Ghana Sika Cedis mpem aduanan (GHS 40,000), na wɔde sika no san tua kɔsi bosome aduɔson mmienu (72) mu. Sika ho mfasoɔ a wɔgyeɛ no gyina sikatefoɔ biara nsɛm so, na ɛhyɛ Bank of Ghana mmara kyehyɛ aseɛ de bɔ sikatefoɔ ho ban firi sikadi a ɛboro so ho.

• Ankorankoro Ngongua a Ɛhia Agyapadeɛ (Secured Personal Loans)

  Saa ngongua yi yɛ nea ɛhia sɛ sikatefoɔ de agyapadeɛ bi te sɛ kar, asase, anaa sika a wɔde akora Izwe nkyɛn no di dwuma sɛ nea ɛbɛma wɔatumi agye ngongua no. Wɔtumi fɛm sika kɔsi Ghana Sika Cedis mpem ahanu (GHS 500,000), na wɔde sika no san tua kɔsi bosome aduanan nwɔtwe (48) mu.

• Adwumakuw Nketewa Ngongua (SME - iBiz Loans)

  Izwe boa adwumakuo nketewa ne mfinimfini (SMEs) a wɔde agyapadeɛ anaa kar adansedie di dwuma de hwehwɛ ngongua. Saa ngongua yi boa adwumakuo no ma wɔtumi di wɔn sika ho ahiadeɛ ho dwuma. Sika a wɔtumi fɛm ne bere a wɔde bɛsan atua no gyina adwumakuo no kɛseɛ ne agyapadeɛ a wɔde bɛdi dwuma no so.

Sika Nkoraeɛ Ho Nhyehyɛeɛ

Gye sɛ ngongua, Izwe nso de sika nkoraeɛ ho nhyehyɛeɛ pii ma. Saa nhyehyɛeɛ yi bi ne:

• Sika Nkoraeɛ a Ɛwɔ Bere Pɔtee Bi Mu (Fixed-Term Savings): Wɔtumi nya sika ho mfasoɔ kɔsi ɔha mu nkyekyɛmu dunan (14%) afe biara.
• Sika Nkoraeɛ a Ɛnyɛ Bere Pɔtee Bi Mu (Regular Savings): Wɔtumi nya sika ho mfasoɔ kɔsi ɔha mu nkyekyɛmu du (10%) afe biara.
• Mobisave (Digital Savings): Saa nhyehyɛeɛ yi ma sikakoraeɛ a wɔtumi nya sika ho mfasoɔ ɔha mu nkyekyɛmu dumienu (12%) afe biara. Wɔtumi de USSD kɔdi dwuma wɔ fon so, de kyerɛ *272#. Wɔnngye sika biara wɔ Mobisave sika a wɔde kɔma anaa wɔde fa fon so de kɔ Izwe akontaabuo mu no ho.

Sika Ho Mfasoɔ ne Agyapadeɛ

Ngongua sika ho mfasoɔ a Izwe gyeɛ no nnya nnii mmara kyehyɛ a Bank of Ghana de ato hɔ no so. Wɔkyerɛkyerɛ sika ho mfasoɔ no mu kyerɛ sikatefoɔ biara ansa na wɔabɔ ngongua ho apam. Sika a wɔgyeɛ firi ngongua bɔ ho (origination and processing fees) no ka sika ho mfasoɔ no ho, na ɛyɛ nea wɔbɛhunu wɔ apam no mu. Sɛ obi nya twereɛ anaa ɔtua ngongua ase a, wɔtumi gye sika toɔ bi a ɛyɛ asotwe, nanso ɛno nso hyɛ mmara kyehyɛ aseɛ.

Nngongua Hwehwɛ ne Mmara Kyehyɛ

Sikatefoɔ Nhyehyɛeɛ

Sikatefoɔ a wɔpɛ sɛ wɔhwehwɛ ngongua anaa wɔkora sika wɔ Izwe nkyɛn no, wɔn kwan yɛ mmerɛ. Wɔtumi de wɔn ho bɔ Izwe nkyɛn afa akwan pii so:

• Intanɛt So (Online): Wɔtumi kɔ www.izweghana.com so de wɔn ho bɔ ansa na wɔakwati ngongua.
• Nnwumayɛbea (Branch Network): Izwe wɔ nnwumayɛbea akɛseɛ wɔ Ghana mmeaeɛ pii te sɛ Accra, Kasoa, Koforidua, Kumasi, Takoradi, Tamale, Sunyani, ne Tema.
• USSD (Fon So Dwumadie): Wɔn a wɔpɛ sɛ wɔkora sika wɔ Mobisave nhyehyɛeɛ no, wɔtumi de fon kyerɛ *272#.

Nkrataa a Ɛhia (KYC – Know Your Customer)

Sɛ obi pɛ sɛ ɔhwehwɛ ngongua a, ɛhia sɛ ɔde nkrataa a ɛhia ma. Eyi bi ne:

• Ghana Card.
• Mfonini a yɛatwa no foforɔ (passport photos).
• Bank akontaabuo ho nsɛm (bank details).
• Bosome mmiɛnsa akatua ho nkrataa (payslips) ma wɔn a wɔhwehwɛ akatua ngongua.

Wɔtumi yɛ nimdeɛ pɛpɛɛpɛyɛ no afa fon so anaa wɔkɔ nnwumayɛbea.

Sika a Wɔde Ma

Sɛ wɔgye ngongua anaa sika koraeɛ ho kwan a, Izwe de sika no ma ntɛm. Wɔtumi de sika no fa bank akontaabuo mu, fon sika (mobile money), tsek (cheque), anaa sika a wɔde ma wɔ nnwumayɛbea. Wɔde akatua ngongua ne ankorankoro ngongua a ennhia agyapadeɛ no ma wɔ nnɔnhwere aduonu anan (24) mu wɔ sɛ wɔagye ho kwan akyi.

Mmara Kyehyɛ ne Nkontaa Ho Nsɛm

Izwe yɛ adwumakuo a Bank of Ghana ama wɔn tumi krataa sɛ Non-Bank Financial Institution (Savings & Loans) firi ɔpɛpɔn bosome da a ɛtɔ so dunsia, afe 2017. Wɔhyɛ mmara kyehyɛ aseɛ firi nnwumakuo te sɛ SEC, NIC, Ghana Stock Exchange, ne Ghana Deposit Protection Scheme. Wɔde mmara kyehyɛ yi bɔ sikatefoɔ ho ban, na wɔma sika ho mfasoɔ ne agyapadeɛ ho nsɛm yɛ kyerɛkyerɛmu, na wɔkora sikatefoɔ ho ansa na wɔakwati sikadi a ɛboro so.

Sika ho mfasoɔ a wɔde ma wɔ Izwe no, ɛmma mmara kyehyɛ a Bank of Ghana de ato hɔ no so. Wɔnkyerɛɛ sɛ wɔagye asotwe biara afiri aban nkyɛn, na wɔyɛ wɔn adwuma wɔ IFRS ne mpɔtam hɔ nkontaa nhyehyɛeɛ nyinaa so.

Asiakofoɔ Adwene ne Dwadie mu Gyinabea

Asiakofoɔ Nsɛm

Asiakofoɔ a wɔne Izwe adi dwuma no adwene no, dodow no ara yɛ nea ɛyɛ pa. Wɔkamfo Izwe ngongua a wɔde ma ntɛmntɛm ne wɔn adwumayɛ a ɛyɛ mmerɛ no. Wɔn a wɔkora sika no nso kamfo sika ho mfasoɔ a ɛyɛ den ne USSD dwumadie no. Nanso, afoforɔ nso kyerɛɛ sɛ bere kɔso wɔ agyapadeɛ a wɔde di dwuma ho wɔ ngongua a ɛhia agyapadeɛ no mu. Bio nso, ɛyɛ den sɛ wɔbɛhunu ngongua ho nsɛm a ɛfa fon so, ɛtɔ da a ɛnyɛ mmerɛ sɛ wɔde bɛto nnwumakuo foforɔ a wɔyɛ adwuma wɔ fon so a ɛwɔ Ghana no ho.

Asiakofoɔ Mmoa

Izwe wɔ sikatefoɔ mmoa beaɛ a ɛyɛ adwuma nnɔnhwere aduonu anan (24/7). Wɔtumi nso de SMS kɔma Izwe kɔ nɔma +233 507 732 5666 so na wɔde fon bɛfrɛ wɔn san akyiri. Wɔn a wɔwɔ adwumakuo nketewa (SME) mu no, wɔwɔ nnipa pɔtee bi a wɔwɔ adwumakuo no mu a wɔne wɔn bɛdi nsɛm.

Dwadie mu Gyinabea ne Akonkoranfoɔ

Izwe di dwuma wɔ sikasɛm mu a ɛyɛ den wɔ Ghana, baabi a wɔne microfinance bank, savings & loans nnwumakuo afoforɔ te sɛ Sinapi Aba ne Bayport, ne fon so sika fɛm nnwumakuo te sɛ Carbon ne Zoona reyɛ akonkoran. Nanso, Izwe wɔ ne ho nsonsonoeɛ a ɛma wɔyɛ soronko.

• Wɔn agyapadeɛ-ngongua ma adwumakuo nketewa yɛ nea ɛnyɛ nnwumakuo pii na ɛyɛ wɔ Ghana.
• Wɔn nnwumayɛbea nhyehyɛeɛ a ɛtrɛ no ma wɔtumi bɛn asiakofoɔ wɔ Ghana mmeaeɛ pii.
• Wɔde sika ho mfasoɔ kɛseɛ ma wɔ sikakoraeɛ ho.
• Wɔn a wɔwɔ Mauritius no nso ma wɔn adwuma mu ahoɔden.

Wɔ afe 2024 mfiaseɛ no, Izwe yɛɛ wɔn din foforɔ na wɔyɛɛ adwuma de maa wɔn sika dwumadie kɔɔ soro bɛyɛ ɔha mu nkyekyɛmu aduanan mmienu (42%) afe biara. Wɔn botaeɛ ne sɛ wɔbɛma fon so dwumadie ne USSD ho nhyehyɛeɛ ayɛ den, na wɔahwehwɛ nnwumayɛbea foforɔ ne abɛkwan (API) dwumadie ama wɔn nnwumakuo foforɔ a wɔne wɔn di dwuma.

Afotu Pa ma Wɔn a Wɔbɛhwehwɛ Sika wɔ Izwe Nkyɛn

Sɛ wopɛ sɛ wode wo ho bɔ Izwe nkyɛn de hwehwɛ ngongua anaa wokora sika a, ɛho hia sɛ wususu nsɛm kakra ansa na woyɛ saa. Sɛ wobɛyɛ saa a, ɛbɛboa wo ma wode adwene pa ayɛ wo gyinaeɛ:

• Hunu Wo Haw Pɔtee: Hwehwɛ Izwe ngongua ahorow no mu yie. Sɛ woyɛ adwuma na wogye akatua a, akatua ngongua no bɛyɛ wo yie. Sɛ woyɛ adwumakuo kɛseɛ anaa woyɛ ankorankoro a wowɔ agyapadeɛ a, wubetumi ahwehwɛ agyapadeɛ ngongua no.
• Sika Ho Mfasoɔ ne Agyapadeɛ Ho Nsɛm: Bisa sɛ wɔkyerɛkyerɛ sika ho mfasoɔ (APR) ne agyapadeɛ (fees) no mu kyerɛ wo yie ansa na woagye ngongua no. Ma wontumi nkyerɛkyerɛ mu kyerɛ wo pɛpɛɛpɛ, na hwɛ sɛ wobetumi atua.
• Nkrataa a Ɛhia: Di nkrataa a ɛho hia a wɔpɛ no ho dwuma ntɛm. Sɛ wo nkrataa no yɛ pɛ a, ɛbɛma wɔatumi agye wo ngongua ho kwan ntɛm.
• Fon So Dwumadie ne Sika Nkoraeɛ: Sɛ wopɛ sɛ wokora sika a, Mobisave nhyehyɛeɛ a ɛwɔ USSD so no yɛ kwan pa a ɛma wo nya sika ho mfasoɔ kɛseɛ. Fa nɔma *272# di dwuma de kora sika.
• Asiakofoɔ Mmoa: Sɛ wowɔ nsɛm biara a, mfɛre sɛ wobɛfrɛ wɔn asiakofoɔ mmoa beaɛ anaa wobɛkɔ wɔn nnwumayɛbea bi. Sɛ wopɛ anaa wuhia nsɛm a ɛkɔ akyiri wɔ fon so a, wobetumi de SMS akɔma nɔma +233 507 732 5666 so.
• Susu wɔn Ho wɔ Dwadie Mu: Sɛ wode Izwe reto nnwumakuo afoforɔ a wɔyɛ adwuma wɔ saa dwadie koro no ara mu ho a, hwɛ Izwe nnwumayɛbea nhyehyɛeɛ a ɛtrɛ, wɔn agyapadeɛ-ngongua ma adwumakuo nketewa, ne wɔn sikakoraeɛ ho mfasoɔ no. Saa nsonsonoeɛ yi betumi ayɛ nea ɛbɛma woayi Izwe.

Awiei koraa no, Izwe Savings and Loans PLC yɛ adwumakuo a ɛwɔ tumi na ɛyɛ adwuma yie wɔ Ghana sikasɛm mu. Wɔn adwumayɛ a ɛyɛ kɛseɛ ne wɔn akyi a ɛyɛ den no ma wɔyɛ akonkoranfoɔ a wɔsɛ sɛ wɔde wɔn ho bɔ wɔ sikasɛm mu.