OYA Microcredit Group Ho Nsɛm Pii
OYA Microcredit Group yɛ sika fɛm adwumakuw a ɛwɔ Ghana, na ɛyɛ Quick Holdings Ltd (Mauritius) ase adwumakuw bi. Wɔhyɛɛ adwuma ase wɔ Accra bɛyɛ afe 2016 mu, na wɔn adwuma titiriw ne sɛ wɔde sika fɛm ntɛmntɛm bɛma nnwuma nketenkete (MSMEs), titiriw wɔn a wɔntumi nnya sika fɛm mfi sikakorabea akɛse hɔ. Wɔn adwumayɛbea ti wɔ Accra, Ring Road Central, na wɔde mfiridwuma foforo na ɛyɛ adwuma, a wɔde fon sika (mobile money) na ɛyɛ adwuma kɛse.
Adwumakuw yi botae ne sɛ ɛbɛboa aguadifo, adwumayɛfo nketenkete, ne wɔn a wɔyɛ adwuma nketenkete ama wɔn nnwuma anya nkɔso. OYA Microcredit Group yɛ adwuma kɛse wɔ intanɛt so ne fon so, na ɛma nnipa pii tumi nya sika fɛm no ntɛmntɛm.
Sika Fɛm Nneɛma ne Nnwuma a OYA Microcredit Group De Ma
OYA Microcredit Group de sika fɛm ahorow abien titiriw na ɛma:
- Sika a Wɔde Yɛ Adwuma Fɛm (Working-Capital Loans): Saa sika fɛm yi boa nnwuma nketenkete ma wɔde tɔ nneɛma a wɔde yɛ adwuma daa, te sɛ nneɛma a wɔtɔn, anaa wɔde tua adwumayɛfo akatua. Ɛboa ma adwuma no kɔ so yɛ adwuma a biribiara nhia.
- Nneɛma Nketenkete a Wɔde Fɛm (Small-Asset Financing): Sɛ obi pɛ sɛ ɔtɔ nneɛma nketenkete a ɛbɛboa n'adwuma, te sɛ kɛntɛn anaa kar ketewaa a wɔde yɛ adwuma a, OYA Microcredit tumi boa wɔn ma wɔtɔ saa nneɛma no.
Sika Fɛm Dodow, Nsɛntitiriw, ne Mfeewa
Sika fɛm dodow a OYA Microcredit Group tumi de ma no fi USD 50 kosi USD 3,000. Sɛ yɛde toto Ghana sika (cedi) ho a, ɛbɛyɛ sɛ ɛyɛ sika a ɛkɔ soro kɛse. Nanso, ɛho nsɛm pɛpɛɛpɛ wɔ Ghana amanneɛbɔ mu no, wɔnnya nkyerɛɛ mu yiye, na ɛnsɛ sɛ yɛtwe adwene si so sɛ ɛyɛ nokware pɛpɛɛpɛ.
Sika fɛm no so nsɛntitiriw ne mfeewa a wɔfa no nso wɔnnya nkyerɛɛ mu pefee wɔ ɔmanfo anim. Sikakorabea ahorow a ɛwɔ Ghana no nsɛntitiriw bɛyɛ 20-35% afe biara, nanso sɛnea OYA Microcredit Group adwuma te no, ɛho nsɛntitiriw no betumi akɔ soro kakra esiane sɛ wɔbɔ sika no ho mmɔden yiye nti. Sika fɛm no ho nsɛntitiriw no mfiase betumi ayɛ 30 kosi 120 da ma sika a wɔde yɛ adwuma no, na ɛbetumi akosi asram 12 ma nneɛma nketenkete a wɔde fɛm. Wɔde fon sika na ɛtua sika no, na ɛtumi yɛ daa, dapɛn biara, anaa ɔsram biara, sɛnea sika fɛm no deɛ n'ani bɛgye ho.
Mfeewa ne Abatow
Mfeewa bi nso wɔ hɔ a wɔfa no sɛ wopɛ sɛ wunya sika fɛm. Eyinom nso wɔnnya nkyerɛkyerɛɛ mu pefee, nanso ɛho nsɛm a ɛwɔ hɔ no kyerɛ sɛ ɛbetumi ayɛ:
- Sika a Wɔfa no sɛ Wopɛ Sika (Origination Fee): Bɛyɛ 2% a ɛwɔ sika fɛm no mu.
- Sika a Wɔde Yɛ Adwuma (Processing Fee): Bɛyɛ 1-3% a ɛwɔ sika fɛm no mu.
- Sika a Wɔgye no sɛ Wontua Ntɛmntɛm (Late-Payment Penalty): Bɛyɛ 1-2% a ɛwɔ sika a wontuae no so.
Nneɛma a wɔde to hɔ no, OYA Microcredit Group nsa nkyere biribiara wɔ sika fɛm nketenkete no ho. Nanso, sɛ ɛyɛ nneɛma akɛse anaa nneɛma a wɔde fɛm a, wobetumi ahia sɛ wode nneɛma ho krataa anaa adansedee foforo akyerɛ.
Sɛnea Wɔpɛ Sika Fɛm no ne Adwuma a Wɔyɛ
Sɛ obi pɛ sɛ ɔnya sika fɛm firi OYA Microcredit Group hɔ a, ɔkwan a ɔbɛfa so no yɛ mmerɛ. Ɛwom sɛ wɔn fon app (iOS/Android) no wɔyɛ ho adwuma deɛ, nanso mpɛn pii no, wobetumi anya sika fɛm no denam:
- Wɔn Asɛmpatrɛwfo (Call Center): Wɔn asɛmpatrɛwfo no yɛ adwuma nnɔnhwere 24 da biara da, dapɛn nna nson nyinaa, ma wɔn a wɔpɛ sika fɛm no atumi akasa aka wɔn ho asɛm.
- Adwumayɛfo a Wɔne Nnipa Di Nkitaho (Relationship Development Officers - RDOs): Eyinom yɛ adwumayɛfo a wɔkɔ nnipa nkyɛn ma wɔhwehwɛ sika fɛm ho nsɛm, na wɔhwehwɛ adwuma no mu nso.
Sɛ obi pɛ sika fɛm a, wɔbɛhwehwɛ n’ID krataa ne fon sika ho krataa. Afei, RDO no betumi akɔ akɔhwɛ adwuma no ankasa na wadi asɛm kakra. OYA Microcredit Group de mfiri foforo na ɛhwɛ sika fɛm ho asiane, a ɛde fon sika ho nsɛm, adwumayɛbea mu nhwehwɛmu, ne nnipa akuwkuw ho nsɛm di dwuma de hwehwɛ sɛ obi betumi atua sika no anaa ɔrentumi ntua.
Sika a Wɔde Ma ne Sika a Wɔnya
Sika fɛm a wɔde ma no kɔ fon sika (MTN MoMo, AirtelTigo Money) so ntɛmntɛm. Wobetumi nso de akɔ sikakorabea anaa sɛnea ɛte a, wɔn a wɔne wɔn yɛ adwuma no betumi anya sika no wɔ baabi a wɔde ma sika. Sɛ obi ntua sika no a, wɔde fon asɛm kae no, anaa RDO no kɔ ne nkyɛn. Wobetumi nso ne nnipa akuwkuw a ɛwɔ hɔ no ayɛ adwuma de anya sika no.
Mfiridwuma, Fon App, ne Baabi a Wɔwɔ
OYA Microcredit Group fon app no da so ara wɔyɛ ho adwuma, na ɛbɛba mpɛn pii bɛyɛ afe 2025 awiei. Sɛ ɛba a, ɛbɛma nnipa atumi apɛ sika fɛm, ahwɛ wɔn sika ho nsɛm, ne atumi atua sika no wɔ fon so. Mprempren, wɔn wɛbsaet no kyerɛkyerɛ wɔn nneɛma no mu kakra.
Adwumakuw no nni baa dwumadibea ahorow pii, na mmom wɔde wɔn RDO network no na ɛyɛ adwuma wɔ Greater Accra ne nkurow akɛse bi mu. Wɔn botae ne sɛ wɔbɛtrɛw wɔn adwuma mu akɔ Kumasi ne Takoradi ansa na afe 2026 awiei adu.
Wɔ Ghana no, wɔbɛkyerɛ sɛ OYA Microcredit Group wɔ nnipa bɛyɛ 10,000 kosi 20,000 a wɔde wɔn sika fɛm di dwuma daa. Mpɛn pii no, wɔn a wɔfa sika fɛm no yɛ adwumayɛfo nketenkete, aguadifo wɔ gua so, ne moto-taxi (okada) akyerɛwfo, a wɔn sika a wɔnya no bɛyɛ USD 200-600 ɔsram biara.
Mmara ne Akatua Ho Nsɛm
Sɛnea ɛte wɔ Kitawonsa 2025 no, OYA Microcredit Group nni Bank of Ghana (BoG) sika fɛm adwumakuwfo krataa. Ɛyɛ sɛ wɔyɛ adwuma wɔ 'Sika Fɛm a Wɔde Ma' mmara ase kosi sɛ wɔbɛma wɔn sika fɛm adwumakuw krataa a ɛyɛ pɛpɛɛpɛ.
Ɛwom sɛ saa ara nso na wɔnnya nhwɛɛ mmuae ankasa deɛ, nanso OYA Microcredit Group ka sɛ wɔdi Bank of Ghana Microfinance Guidelines (2011) so wɔ nnipa ho nsɛm, asiane ho nhyehyɛe, ne amanneɛbɔ mu. Wɔakyere wɔn din wɔ Kenya Data Protection Office (OODC) nkyɛn, a ɛkyerɛ sɛ ebia wɔakyere wɔn din wɔ Ghana Data Protection Act ase nso. Mprempren, BoG nnya mfaa asotwe anaa asiane biara nto OYA Microcredit Group so wɔ ɔmanfo anim.
Sɛ ɛba nnipa a wɔfa sika fɛm ho mmɔdenbɔ a, wɔka sɛ OYA Microcredit Group kyerɛkyerɛ sika fɛm ho nsɛm mu pefee wɔ kasa ahorow mu, na ɛma wɔn kwan sɛ wobetumi atua sika no ntɛm na wɔasan anya nsɛntitiriw a ɛho nhia no bi. Wɔn asɛmpatrɛwfo no nso tumi boaa nnipa ma wɔhyehyɛɛ nsɛm anaa wɔfaa wɔn nsɛm kɔɔ BoG nnipa ho nhyehyɛe dwumadibea.
OYA Microcredit Group wɔ Aguadi So
OYA Microcredit Group yɛ sika fɛm adwumakuw ketewaa a ɛde mfiridwuma foforo di dwuma, na wɔde sika fɛm ma ntɛmntɛm na wɔn adwumayɛfo nso kɔ nnipa nkyɛn. Wɔne adwumakuw ahorow te sɛ Suuport Microfinance, Fido Microfinance, ne Bayport Microfinance na ɛsi akan wɔ aguadi so. Wɔn adwuma soronko no ne sɛ wɔde sika fɛm ma ntɛmntɛm a wɔhwɛ mu yiye, na wɔde fon sika di dwuma, na wɔne nnipa nso di nkitaho yiye.
Wɔ Ghana no, wɔkyerɛ sɛ wɔn nnipa dodow no kɔ soro bɛyɛ 20% bere biara. Wɔn botae ne sɛ wɔbɛyɛ fon app foforo a ɛbɛma nnipa akuwkuw atumi afa sika fɛm, ne sɛ wɔbɛyɛ fon sikakorabea foforo bɛyɛ afe 2026 mfinimfini. Wɔne MTN Ghana MoMo ne Ghana Commercial Bank yɛ adwuma, na wɔne sika fɛm adwumakuw nketenkete nso yɛ adwuma de kyerɛ nnipa kwan.
Adwuma a Wɔde Ma Nnipa ne Wɔn Nsɛm
Ɛwom sɛ OYA Microcredit Group nnya nkɔɔ gua so mfaa wɔn fon app no mmae deɛ, nanso wɔn a wɔde wɔn sika fɛm di dwuma no ani da so ara wɔ wɔn app no ho. Nsɛm a ɛwɔ social media so no kyerɛ sɛ nnipa pii ani agye wɔn adwuma ho, titiriw sɛnea wɔde sika ma ntɛmntɛm. Nanso, nsɛm bi nso ba sɛ sika a wɔgye no sɛ wontua ntɛmntɛm no mu nna hɔ yiye.
Nneɛma a nnipa taa de ho asɛm kyerɛ ne sɛ sika a wɔgye no sɛ wontua ntɛmntɛm no mu nna hɔ, na ɛtɔ da a, wɔn asɛmpatrɛwfo no ba akyiri kakra. Nanso, wɔkyerɛ sɛ wɔn asɛmpatrɛwfo no yɛ adwuma yiye, na wɔnya nsɛnkyerɛnne 4/5 wɔ nnipa a wɔka nsɛm ho. Amanneɛbɔ bi kyerɛ sɛ aguadifo bi a ɔwɔ Madina tumi de GHS 5,000 sika fɛm no yɛɛ n'adwuma kɛse. Obi a ɔde nneɛma ma nso tumi tɔɔ nneɛma abien na ɔtrɛw n'adwuma mu ntɛmntɛm.
Afotu ma Wɔn a Wɔpɛ Sika Fɛm
Sɛ wopɛ sɛ wofa sika fɛm firi OYA Microcredit Group anaa sika fɛm adwumakuw foforo biara hɔ a, nsɛm bi wɔ hɔ a ɛsɛ sɛ wode yɛ adwuma:
- Hwehwɛ mu Yiye: Ansa na wubepɛ sika fɛm biara no, hwehwɛ adwumakuw no ho nsɛm mu yiye. Fa toto adwumakuw foforo ho na hwɛ nea ɛyɛ ma wo.
- Nsɛntitiriw ne Mfeewa: Bisa sika fɛm no so nsɛntitiriw pɛpɛɛpɛ, mfeewa a wɔfa no, ne sɛnea wobetumi atua sika no. Hwɛ sɛ wobetumi atua.
- Mmara ne Akatua: Hwɛ sɛ adwumakuw no wɔ BoG akatua a ɛfata anaa wɔayɛ krataa wɔ baabi a ɛfata. Eyi ma wunya ahobammɔ.
- Nnya Sika a ɛboro So: Fa sika fɛm a wobetumi atua nko ara. Nnya sika a ɛboro so na ama woanya nsɛnnia wɔ wo sika ho.
- Fon Sika Di Dwuma Yiye: Esiane sɛ OYA Microcredit Group de fon sika na ɛyɛ adwuma nti, hu sɛnea fon sika adwuma no yɛ adwuma yiye na ama woatumi atua wo sika fɛm no bere ansa na ɛho nsɛnnia biara aba.
- Kenkan Apam no Yiye: Ansa na wode wo nsa bɛhyɛ ase biara no, kenkan apam no mu nsɛm nyinaa yiye na hu nea worehyɛ ho apam.
OYA Microcredit Group de kwan foforo ma nnwuma nketenkete wɔ Ghana, nanso ɛho hia sɛ obiara a ɔpɛ sika fɛm no yɛ ne nhwehwɛmu yiye na ɔde ne ho hyɛ mu wɔ ɔkwampa so.
