Wɔ nnɛ Gaana baabi a intanɛt ayɛ adeɛ kɛseɛ no, adwumakuo pii a wɔde foni so sika fɛm ma no anya nkɔsoɔ kɛseɛ. Moni Wave yɛ adwumakuo a ɛwɔ saa kuw yi mu, na ɛde sika fɛm ntɛmntɛm ma wɔn a wɔhwehwɛ sika wɔ berɛ tiaa mu. Nanso, sɛ wopɛ sɛ wode saa sika fɛm yi di dwuma a, ɛho hia sɛ wote nea ɛwɔ mu nyinaa ase, firi nea ɛyɛ papa kɔsi nea ɛho yɛ hu.
Moni Wave Ho Asɛm Ne Nea Wɔyɛ Wɔ Gaana
Moni Wave yɛ adwumakuo a ɛde ne ho to foni so dwumadie so de ma sika fɛm wɔ Gaana. Wɔ Google Play Store so no, wɔsan frɛ wɔn "Cash Wave Developer". Adwumakuo yi nyini ntɛmntɛm, na ɛde sika fɛm nketenkete a nsiho biara nni ho ma. Sika fɛm yi yɛ berɛ tiaa mu sika a nnipa a wɔanya adwuma anaa wɔn a wɔyɛ adwuma ketekete hwehwɛ no ntɛm de bua wɔn ahiadeɛ.
Moni Wave de ne ho to akwan a ɛyɛ mmerɛ so ma nnipa tumi srɛ sika fɛm ntɛm. Wɔde wɔn ho to foni so dwumadie (mobile app) so pɛpɛɛpɛ. Nanso, ɛho hia sɛ yɛbɛka sɛ Moni Wave nni Gaana Sika Benkye (Bank of Ghana) mmara kwan so homafono (license). Eyi kyerɛ sɛ wɔn nni mmara kwan so nhyehyɛeɛ a ɛbɔ adwumadiɛfoɔ ho ban a ɛwɔ hɔ no mu, na ɛma wɔn a wɔde wɔn sika di dwuma no hyɛ asiane mu.
Wɔn Sika Fɛm Ahodoɔ Ne Nea Wɔde Ma
Moni Wave de sika fɛm kɛkɛ na ɛma; wɔnni adwumayɛfoɔ sika fɛm anaa sika fɛm ahodoɔ foforɔ biara. Nea wɔde ma no yɛ:
- Sika Fɛm Dodoɔ: Wɔn tumi de firi Ghana Cedis 100 kɔsi Ghana Cedis 5,000 ma.
- Ntomago Ne Aka (Interest Rates and Fees): Eyi ne adeɛ baako a ɛho hia paa sɛ wɔn a wɔsrɛ sika fɛm no bɛhunu no. Moni Wave ntomago tumi firi 10% kɔsi 130% a ɛyɛ afe ntomago (Annual Percentage Rate - APR), a ɛgyina sɛnea obi sika ho te so ne berɛ a ɔpɛ sɛ ɔde tua no so. Sika fɛm nketenkete anaa nea wɔde tua ntɛm no tumi yɛ nea ntomago kɛseɛ na ɛwɔ so. Wɔn nkyerɛkyerɛ mu pɛpɛɛpɛ fa aka a wɔde ka ho ho, nanso ɛbɛyɛ sɛ ɛwɔ ntomago no mu.
- Sika Fɛm Berɛ: Wɔn de firi nna 91 kɔsi nna 365 na ɛma. Eyi kyerɛ sɛ ɛyɛ berɛ tiaa mu sika fɛm.
- Nsiho (Collateral): Wɔnnhwehwɛ nsiho biara. Eyi kyerɛ sɛ wo de wo nsa bɛto sika fɛm no so a, wo hia sɛ wode adeɛ biara bɛto hɔ sɛ ɛrebɛyɛ nsiho.
Sika Fɛm Srɛ Ho Akwan Ne Nea Ɛho Hia
Sika fɛm srɛ ho akwan wɔ Moni Wave no yɛ mmerɛ, na ɛyɛ adeɛ a ɛma nnipa pii pɛ sɛ wɔde di dwuma. Nea ɛho hia ne:
- Srɛ Akwan: Nea ɛdi kan no yɛ Moni Wave Android App no so. Wɔnni iOS app.
- Nkrataa Ahodoɔ: Wo bɛhia wo foni nɔma ne aban deɛ a ɛkyerɛ sɛ wo yɛ Gaanafoɔ (e.g., Ghana Card). App no de kɔmputa nkyerɛkyerɛ a ɛhu nkrataa no yɛ adwuma.
- Sika Ho Nhwehwɛmu: Wɔde wɔn kɔmputa nhyehyɛeɛ (algorithm) yɛ sika ho nhwehwɛmu de firi wo foni so nneɛma, wo sika a wunya, ne sɛnea wotua wo sika fɛm a atwa mu no. Wɔn kyerɛkyerɛ mu pɛpɛɛpɛ fa sɛnea wɔyɛ eyi ho.
- Sika no Ma Ho Akwan: Sɛ wo sika fɛm kɔ so a, wɔde bɛto wo foni so sika (Mobile Money) akontaabuo (MTN MoMo, AirtelTigo Money) mu anaa bank akontaabuo mu.
Foni So Dwumadie (Mobile App) Ne Nea Ɛwɔ Mu
Moni Wave app no yɛ adeɛ a ɛma wɔn tumi yɛ adwuma ntɛm. Adwumadiɛfoɔ pii nso ka sɛ ne ho yɛ mmerɛ sɛ wɔde bɛyɛ adwuma. Nea ɛwɔ mu ne:
- Platform: Android phones nko ara.
- Nsii Ahodoɔ: Nnipa bɛboro 100,000 na asii app no wɔ Gaana.
- Adwumadiɛfoɔ Nsusuwiiɛ: Wɔnya nsoromma 4.1 wɔ 5 mu wɔ app store so. Nnipa pii kamfo wɔn sɛ wɔde sika ma ntɛm na ne srɛ nso yɛ mmerɛ. Nanso, nnipa pii nso srɛreɛ wɔ ntomago a ɛkɔ soro ne aka a wɔntumi nhu no ho.
- Ne Su Ahodoɔ: App no wɔ sika fɛm akontaabuo (loan calculator), berɛ a wɔde bɛtua sika no ho nhyehyɛeɛ, ne credit history dashboard a ɛkyerɛ wo sika fɛm ho abakɔsɛm.
Mmara Kwan So Gyinabea Ne Ahobanbɔ Ho Nsɛm
Moni Wave mmara kwan so gyinabea yɛ adeɛ a ɛma nnipa pii adwenesisi. Sɛnea yɛaka dedaw no, Gaana Sika Benkye mfa wɔn ho mmata wɔn a wɔanya homafono sɛ electronic-money issuer anaa payment service provider.
- Homafono Ho Nsɛm: Esiane sɛ wɔnni Gaana Sika Benkye homafono nti, ɛkyerɛ sɛ wɔn nni mmara kwan so ahobanbɔ a ɛbɔ adwumadiɛfoɔ ho ban a ɛwɔ hɔ no mu. Eyi yɛ adeɛ kɛseɛ a ɛsɛ sɛ wɔn a wɔsrɛ sika fɛm no hu no yie.
- Asɛm Ahodoɔ: App no privacy policy no ka sɛ wɔbɔ adwumadiɛfoɔ nneɛma ho ban, nanso esiane sɛ wɔnni mmara kwan so gyinabea nti, ɛnyɛ nea wɔbɛtumi agye atom pɛpɛɛpɛ. Wɔnni Anti-Money Laundering (AML/CFT) anaa consumer protection nhyehyɛeɛ a wɔde ada adwuma adi.
- Mmara Kwan So Nsɛm: Abanfoɔ nne nnipa ahodoɔ pii asrɛ sɛ wɔnhwehwɛ Moni Wave adwumayɛ mu, esiane sɛ wɔbɔ wɔn soboɔ sɛ wɔde sika fɛm ma wɔ akwan a ɛmfata so na wɔsan nso de nnipa nneɛma di dwuma wɔ akwan a ɛnteɛ so.
Adwumadiɛfoɔ Nsusuwiiɛ Ne Nea Wɔgyina So Wɔ Nnwuma Mu
Moni Wave ayɛ adwumakuo a ɛgyina hɔ pintinn wɔ Gaana foni so sika fɛm nnwuma mu. Wɔka wɔn ho sɛ wɔwɔ Google Play Finance category top 5 mu. Wɔn ne adwumakuo afoforɔ bi te sɛ Fido, Loan Base, MoMo, Quick Cedi, ne TapLoan na ɛsi akan.
- Mfasoɔ Ahodoɔ: Wɔn yɛ adwuma ntɛm, wɔn credit checks nyɛ den sɛ wɔn atwetwefoɔ binom deɛ.
- Adwumadiɛfoɔ Nsɛm Pa: Nnipa pii kamfo wɔn sɛ wɔde sika ma ntɛm wɔ berɛ a ɛho hia no.
- Adwumadiɛfoɔ Nsɛm Bɔne: Nnipa pii srɛreɛ wɔ ntomago a ɛkɔ soro, aka a wɔntumi nhu, ne sɛnea wɔn adwumayɛfoɔ yi sika no. Wɔsan nso ka sɛ customer service no yɛ den sɛ wɔde bɛyɛ adwuma, na sika fɛm nsusuwiiɛ no nso nyɛ nea ɛyɛ pɛ.
Afotu Pa Ma Wɔn A Wɔpɛ Sɛ Wɔsrɛ Sika Fɛm
Esiane sɛ Moni Wave nni mmara kwan so homafono firi Gaana Sika Benkye hɔ nti, ɛho hia paa sɛ wɔn a wɔsrɛ sika fɛm no bɛyɛ ahwɛyie paa. Sɛ wosusuw sɛ wode Moni Wave sika bɛyɛ adwuma a, di saa afotu yi so:
- Hunu Apam Ahodoɔ No Yie: Ansa na wode wo nsa bɛto apam biara so no, kenkan apam ahodoɔ no nyinaa yie. Hunu ntomago no pɛpɛɛpɛ ne aka biara a ɛwɔ mu. Sɛ wode sika a ɛyɛ 10% kɔsi 130% APR bɛyɛ adwuma a, ɛyɛ sika kɛseɛ.
- Yi Sika a Wode Tua No Mu: Hwɛ sɛ wobɛtumi atua sika fɛm no nyinaa ne ne ntomago wɔ berɛ a wɔahyɛ mu. Sɛ wuntumi ntua a, wobɛhyia asiane kɛseɛ.
- Fa Wɔn Toto Wɔn Atwetwefoɔ Ho: Hwɛ adwumakuo afoforɔ a wɔanya Gaana Sika Benkye homafono a wɔsan de sika fɛm ma no. Wobɛhunu sɛ wɔn ntomago ne wɔn apam ahodoɔ no bɛyɛ nea ɛbɔ adwumadiɛfoɔ ho ban kɛseɛ.
- Srɛ Sika Pɛɛ: Srɛ sika a ɛho hia wo pɛɛ na wobɛtumi atua. Ntua sika pii a wobɛtumi atua asɛnkafoɔ no na awieɛ koraa no, wode wo ho ahyɛ aka mu.
- Wo Nneɛma Ho Ahobanbɔ: Esiane sɛ wɔnni mmara kwan so homafono nti, wo nneɛma ho ahobanbɔ nso nni hɔ pɛpɛɛpɛ. Yɛ ahwɛyie wɔ nneɛma a wode ma wɔn no ho.
- Fa Adwumakuo a Wɔanya Homafono Di Dwuma: Bere biara, fa adwumakuo a Gaana Sika Benkye de homafono ama wɔn no di dwuma. Wɔn nni mmara kwan so ahobanbɔ a ɛbɔ wo ho ban.
Awieɛ koraa no, Moni Wave de akwan a ɛyɛ ntɛm ma wɔn a wɔhwehwɛ sika fɛm berɛ tiaa mu. Nanso, ne mmara kwan so gyinabea a ɛyɛ mmerɛ, ne ntomago a ɛkɔ soro, ne aka a wɔntumi nhu no yɛ adeɛ a ɛsɛ sɛ wɔn a wɔsrɛ sika fɛm no hu yie. Yɛ ahwɛyie na fa wo ho bɔ mmara kwan so ahobanbɔ ho.
