Wɔ Ghana nkɔsoɔ yi mu no, sika fɛm adwumakuw a ɛfa Intanɛt so te sɛ Loan Base no abɛyɛ nea ɛho hia paa. Adwumakuw yi, a ɛyɛ Integrity Infinity Microfinance Limited adwuma nko, de fon so mmoa ma nnipa ne nnwumakuw nketewa a ɛwɔ ɔman no mu. Sɛ yɛyɛ sikasɛm ho ɔbenfo a, yɛbɛhwɛ Loan Base ho nsɛm pii, afiri ne fapem so kosi nea ɛde ma, de aboa Ghanafo ma wɔahu sɛnea adwuma yi yɛ adwuma ne sɛnea wɔde wɔn ho bɛhyɛ mu.
Asoɛe no ho Nsɛm Pii ne Ne Fapem
Loan Base yɛ Intanɛt so sika fɛm adwumakuw a ɛfa fon so, na ɛyɛ Integrity Infinity Microfinance Limited adwuma nko. Ghana Sikasɛm Kyɛnkyɛnbea na ɛmaa Integrity Infinity Microfinance Limited tumi sɛ ɛnyɛ saa adwuma yi. Eyi kyerɛ sɛ wɔde mmara a ɛsɛ sɛ wɔde di dwuma wɔ ɔman no mu no nyinaa yɛ adwuma.
Nnwumakuw Nkabom Din ne Nkrataa Ahorow
Saa sika fɛm adwumakuw yi din a mmara kyerɛ sɛ ɛyɛ Integrity Infinity Microfinance Limited. Wɔwɔ wɔn adrɛs wɔ P. O. Box AD 70, Cape Coast. Wɔn nkitahodi fon nɔma ne 0244908157, 0332021251, ne 0302993868. Ghana Sikasɛm Kyɛnkyɛnbea na agye wɔn atom sɛ wɔde sika fɛm dwumadi ahorow bɛma.
Afei na Wɔde Sii Hɔ ne Owura
Ɛwɔ mu sɛ yɛnnim afe pɔtee a wɔde Loan Base sii hɔ de, nanso Integrity Infinity Microfinance Limited, a ɛyɛ Ghanafo adwumakuw a Ghana Sikasɛm Kyɛnkyɛnbea agye atom no na ɛwɔ wɔn. Wɔn adwumayɛ kwan no yɛ nea ɛfa fon so koraa, na ɛnhia sɛ wɔkora sika so anaasɛ wɔyɛ nneɛma akɛse pii.
Adwumayɛ ho Akwan ne Nkurɔfo a Wɔhwɛ Wɔn So
Loan Base dwumadi a ɛkyerɛ sɛ ɛnyɛ ade kɛse biara no, ɛne sɛ ɛde fon so sika fɛm mmoa ma nnipa a wɔanya akatua ne nnwumakuw nketewafo a wɔwɔ Ghana. Obiara a wadi mfe 18 anaa nea ɛboro saa a ɔwɔ Ghana fon nɔma ne sika fon akontaabu (MTN, AirtelTigo, Vodafone) bɛtumi de ne ho ahyɛ mu. Wɔde fon so nneɛma ho nsɛm (sika fon so dwumadi, fon ho nsɛm) di dwuma de susuw sika fɛm ho, na ɛboa wɔn a bank akɛseɛ mpɛ sɛ wɔde sika ma wɔn no.
Sika Fɛm ho Nneɛma ne Dwumadi ahorow a Loan Base de ma
Loan Base de sika fɛm ahorow pii ma, a ne kɛse yɛ GH¢100 kosi GH¢6,000. Wɔde eyi ma nnipa ankorankoro ne nnwumakuw nketewa.
Sika Fɛm Ahorow
- Ankorankoro Sika Fɛm: Wɔde eyinom ma ankorankoro a wɔbɛtumi de agye wɔn ho afiri ahokyere mu anaasɛ wɔde ayɛ wɔn ankasa nneɛma nketewa. Sika dodow a ɛwɔ ha yɛ GH¢100 kosi GH¢6,000.
- Nnwumakuw Nketewa Sika Fɛm: Ɛwɔ mu sɛ wɔnnkyerɛɛ saa pɛpɛɛpɛ de, nanso adwumakuw no bɛtumi de mmoa ama nnwumakuw nketewafo nso.
- Sika Fɛm a Wɔsan de Ma (Top-up/Reborrow): Sɛ obi tua ne sika fɛm so tɔn yiye a, wɔbɛtumi ama no sika fɛm dodow kɛse.
Sika Fɛm Dodow
Sika fɛm a Loan Base de ma no fi GH¢100 (bɛyɛ U.S. dɔla 9) kosi GH¢6,000 (bɛyɛ U.S. dɔla 540).
Dwedi Fɛm ho Sika (APR)
Dwedi fɛm ho sika dodow a Loan Base de di dwuma no fi 12% kosi 136% afe biara. Sɛ nhwɛso no, sɛ wode GH¢2,000 fɛm afe mũ no nyinaa a, ɛbɛyɛ 30% APR, a ne nyinaa a wobɛtua no yɛ GH¢2,600.
Sika Fɛm ho Nsɛm ne Akatua ho Akwan
- Sika fɛm ho nneɛma: Wobɛtumi afɛm sika no afiri nna 90 kosi 365.
- Akatua Akwan: Wobɛtumi atua sika no wɔ bere koro mu anaasɛ wɔbɛkyekyɛ mu atua fon so sika akontaabu so.
Nea ɛyɛ Adwuma ho Akatua
Loan Base nkyerɛɛ sɛ wobetua sika fɛm ho nneɛma ansa na wɔagye anaa wɔbɛyɛ no so adwuma. Nanso, ɛho nsɛm a ɛwɔ Android app no mu kyerɛ sɛ, dwedi fɛm ho sika nkutoo na wobetua, na ɛnyɛ akatua foforo biara.
Nea Wɔde Bɛto Hɔ (Collateral Requirements)
Wobɛtumi afɛm sika afiri Loan Base hɔ a ɛho nhia sɛ wode biribiara to hɔ sɛ nea wobɛtua no. Wɔde fon so nneɛma ho nsɛm na esusuw sika fɛm dodow a wobɛma obi.
Sika Fɛm ho Dwumadi ne Nea Ɛho Hia
Sika fɛm ho dwumadi a ɛwɔ Loan Base no yɛ nea ɛfa fon so koraa, na ɛma ɛyɛ mmerɛw na ɛyɛ ntɛm.
Sika Fɛm ho Dwumadi Akwan
Wobɛtumi de Loan Base sika fɛm adwumadi no ayɛ adwuma fon so app (iOS ne Android) nkutoo so. Wɔn wɛbsaet no de nsɛm nkutoo na ɛma, na ɛnyɛ sika fɛm ho dwumadi kwan.
Nneɛma a Ɛho Hia Ansa na Wɔagye ne Nea Wɔde Bɛhyɛ Mu (KYC & Onboarding)
- Sɛ wode w'ani bɛhyɛ mu a, ɛsɛ sɛ wodi mfe 18 anaa nea ɛboro saa.
- Ɛsɛ sɛ wowɔ Ghana fon nɔma ne sika fon akontaabu.
- Wɔbɛtumi de w'ani anim kyerɛwtohɔ (facial recognition) (wɔ iOS so) anaa ID mfonini a wobɛfa (wɔ Android so) abisa wo.
- Wɔbɛgye w'ankasa nsɛm, sika fɛm ho abakɔsɛm, ne fon ho nsɛm de asusuw sika fɛm ho.
Sika Fɛm ho Nsusuwii ne Kyerɛwtohɔ (Credit Scoring & Underwriting)
Loan Base de nea ɛyɛ wɔn de ankasa di dwuma de susuw sika fɛm ho. Wɔde fon so dwumadi, fon ID, ne suban ho nsɛm di dwuma. Sika fɛm ho gyinaesi yɛ ntɛm, bere a wonya fon so dwumadi no. Eyi boa wɔn a bank akɛseɛ ntumi mma wɔn sika no.
Sika a Wɔde Ma (Disbursement Methods)
Wɔde sika fɛm a wobetua no fon so sika (MTN, AirtelTigo, Vodafone) so. Wɔnnkyerɛɛ sɛ wɔde bank akontaabu so bɛtua.
Sika a Wɔsan Twa Ne Akwan (Collection & Recovery)
Wɔde nkaeɛma ne sika fon so akatua ho nkrataa ma. Sɛ sika fɛm no du ne bere so a, wɔbɛtumi atwa sika no afiri sika fon akontaabu no so tẽẽ. Sɛ obi ntumi ntua ne sika a, wobɛtumi de ne ho asɛm akɔ sika fɛm ho adwumakuw a ɛhwɛ nnipa so (credit bureau).
Mobile App no ho Nneɛma ne Nea Ɛyɛ Adwuma
Loan Base app no yɛ nea wɔayɛ no yiye sɛnea ɛbɛyɛ a asoɛe no bɛyɛ adwuma yiye na asɔ asiakwafokwafo ani.
iOS ne Android App
- iOS App: Wɔ App Store no so no, ɛwɔ nneɛma te sɛ aniani kyerɛwtohɔ (facial recognition), KYC a ɛyɛ adwuma ne nea ɛyɛ ntɛm, sika fɛm ho nsusuii (loan calculator), ne mmoa a ɛwɔ app no mu.
- Android App: Wɔagye no dɛw mpɛn 100,000 akyi, na ne nsusuwii yɛ 3.6 wɔ 5 mu. Ɛwɔ nneɛma te sɛ data ho nkora (data encryption), sika fɛm ho nsusuii a ɛyɛ adwuma, ne sika a wɔde ma ntɛmntɛm.
Asiakwafo Nsusuwii ne Nsɛm a Wɔka
Wɔ Android so no, nkurɔfo kamfo Loan Base sɛ ɛyɛ ntɛm na ɛyɛ mmerɛw sɛ wɔde bedi dwuma. Nanso, afoforo nso asiw ne ho kwan wɔ aniani kyerɛwtohɔ a ɛyɛ brɛoo ne asiakwafokwafo dwumadi a ɛyɛ brɛoo no ho. Wɔ iOS so no, nkurɔfo ka sɛ wɔgye sika fɛm no tom nnɔnhwerew 24 nanso wɔtaa nya nsɛm wɔ data a wɔde kɔ Intanɛt so no ho.
Asiakwafo Dwumadi (Customer Service Quality)
Loan Base de mmoa ma fon so chat, email ([email protected]), WhatsApp (+233 553 409 811), ne adrɛs a ɛbɛn Aklavia SCC, GS-0166-5884. Wɔbɔ mmɔden sɛ wɔbɛboa asiakwafokwafo wɔ akwan pii so.
Mmara Kyerɛwtohɔ ne Adwumayɛ ho Nsɛm
Loan Base yɛ adwuma wɔ Ghana Sikasɛm Kyɛnkyɛnbea mmara ase, a ɛma asiakwafokwafo nya ahotɔ.
Asoɛe no ho Nkrataa ne Nea Ɛhwɛ so
Ghana Sikasɛm Kyɛnkyɛnbea na agye Integrity Infinity Microfinance Limited, a ɛyɛ Loan Base adwuma no atom. Eyi kyerɛ sɛ wɔde mmara a ɛsɛ sɛ wɔde di dwuma wɔ Ghana no nyinaa yɛ adwuma.
Mmara a Wɔde Di Dwuma
Loan Base di Ghana microfinance mmara ne nneɛma a ɛhwɛ data ho nkora so no nyinaa so. Wɔn dwumadi no da hɔ, na wɔde asiakwafokwafo data kora yiye. Wɔnntee ho asɛm a ɛkyerɛ sɛ wɔanya mmara mu asɛm biara.
Sika Fɛm Dwumadi mu Asɔretia ne Akwan a Wɔfa so
Wɔ Ghana sika fɛm dwumadi a ɛrekɔ anim no mu no, Loan Base wɔ asɔretiafo pii.
Asɔretiafo a Wɔda Hɔ
Wɔn asɔretiafo akɛseɛ no bi ne Branch, Carbon, FairMoney, ne microfinance adwumakuw afoforo a ɛwɔ Ghana a ɛde fon so sika fɛm ma.
Loan Base ho Nneɛma a Ɛsono no
Loan Base nneɛma a ɛsono no bi ne KYC a ɛyɛ mmerɛw, aniani kyerɛwtohɔ, sika fon so deɛ nkutoo, sɛ wontumi nsi biribiara hɔ, ne dwedi fɛm ho sika dodow a wɔde ma no.
Afotu pa a ɛfa sika fɛm ho ma wɔn a wɔpɛ
Sɛ wopɛ sɛ wofa sika fɛm afiri Loan Base anaa sika fɛm adwumakuw foforo biara hɔ a, ɛho hia sɛ woyɛ nhwehwɛmu na wode w'ani bu nneɛma yiye. Sɛ wode fon so sika fɛm di dwuma a, sɛnea wobɛyɛ no yiye na ɛho hia paa.
Nneɛma a ɛsɛ sɛ wode w'ani bu
- Hwɛ wo Sika Fɛm ho Hia: Ansa na wode fon so sika fɛm dwumadi bɛyɛ adwuma no, hwɛ wo ho yiye na hu sɛnea sika no ho hia wo. Sika fɛm a ɛyɛ fon so no yɛ ma ahokyere anaasɛ nneɛma nketewa a ɛyɛ ntɛm.
- Susuw Dwedi Fɛm ho Sika: Dwedi fɛm ho sika a Loan Base de ma no fi 12% kosi 136%. Sɛ wopɛ sika fɛm bi a, ɛsɛ sɛ woyɛ nhwehwɛmu pɛpɛɛpɛ, na wode wo dwumadi no toto afoforo de ho. Sika fɛm dodow a ɛwɔ soro no bɛtumi ama w'akatua asɛe.
- Akatua Ho Nhyehyɛe: Hwɛ sɛ wobɛtumi atua sika fɛm no wɔ bere a wɔde ahyɛ wo no mu. Sika fon so akatua kwan no yɛ mmerɛw, nanso ɛsɛ sɛ wowɔ sika fon akontaabu no mu sika bere nyinaa.
- Kenkan Nsɛm ne Nea Wɔaka: Ansa na wode w'ankasa ho bɛhyɛ mu no, kenkan app no mu nsɛm pɛpɛɛpɛ, na hwɛ asiakwafokwafo nsusuwii. Eyi bɛma woahu nea wobɛhwɛ kwan.
- Bisa Nsɛm a Wunnya Ho Nteaseɛ: Sɛ wowɔ nsɛm a wunnya ho nteaseɛ biara a, ntwentwɛn wo nan ase koraa. Fa fon, chat, anaa email kwan so ne Loan Base asiakwafokwafo adwumayɛfo nkitaho.
- Yɛ Nea ɛfata: Fon so sika fɛm yɛ mmerɛw, nanso ɛsɛ sɛ wode di dwuma yiye. Nfa sika fɛm a ɛboro wo tumi nkyekyere wo ho.
Sɛ yɛbɛyɛ nsɛm no tiawa a, Loan Base yɛ adwumakuw a ɛho yɛ den wɔ Ghana fon so sika fɛm dwumadi mu. Ɛma Ghanafo pii kwan ma wɔnya sika ho mmoa ntɛmntɛm. Nanso, ɛho hia sɛ asiakwafokwafo bɛhwɛ dwedi fɛm ho sika ne akatua ho nhyehyɛe yiye ansa na wɔde wɔn ho ahyɛ mu.
