Ozzy Money

Wɔ Gaana sikasɛm mu a ɛresakra ntɛmntɛm yi, fon so sika a wɔde bɔgyew (digital lending) anya ne ho ntɛm so abɛyɛ kwan titiriw a nnipa pii fa so nya sika. Adwumakuw baako a yɛreka ne ho asɛm nnɛ ne ‘Ozzy Money’. Saa adwumakuw yi de ne ho ato fon so dwumadi a ɛma nnipa bɔgyew sika wɔ bere tiawa mu. Nanso, sɛnea ɛte wɔ saa fon so sikabɔgyefo dodow no ara ho no, ɛho hia sɛ yɛhwɛ mu yiye na yɛte sɛnea wɔyɛ adwuma ase ansa na yɛde yɛn ho akɔhyɛ mu.

Saa asɛm yi bɛma wo nsɛm pii a ɛyɛ nokware afa Ozzy Money ho, a efi ne fapem so kosi nea ɛfa mmara ho, ne afotu pa a ɛbɛboa nnipa a wɔpɛ sɛ wɔbɔgyew sika. Yɛbɛhwɛ nea enti a ɛho hia sɛ yɛhwɛ yiye ansa na yɛde yɛn ho akɔhyɛ fon so sikabɔgyefo a wɔn ho nni mmara mu.

Ozzy Money Nkyerɛkyerɛmu Ne Ne Fapem wɔ Gaana

Ozzy Money yɛ adwumakuw a ɛde ne ho to fon so dwumadi so de bɔgyew tiawa ma. Wɔhyɛɛ adwumakuw yi ase wɔ afe 2023 ne 2024 ntam, sɛnea wɔn fon so dwumadi baa abɔnten no kyerɛ no. Wɔn adwumayɛ kwan titiriw ne sɛ wɔde fon so dwumadi ne intanɛt krataafa di dwuma de ma ankorankoro ne adwumayɛfo nketewa bɔgyew sika ntɛm ara.

Mmara Kwan So Edin Ne Kyerɛwtohɔ: Nea ɛyɛ nwonwa ne sɛ, Ozzy Money de edin ‘Ozzy Money’ na ɛyɛ adwuma, nanso wɔn mmara kwan so edin anaa wɔn kyerɛwtohɔ nsɛm a ɛfa Gaana Sikakorabea Kɛse (Bank of Ghana - BoG) ho no nna aban kwan so adi. Saa tebea yi ma nsɛmmisa pii sɔre fa adwumakuw no ho. Nnipa a wɔhwɛ adwumakuw no so anaa wɔn a wɔde sika agu mu nso ho asɛm nna aban kwan so adi. Esiane sɛ wɔn edin ne wɔn kyerɛwtohɔ nsɛm nna hɔ nti, ɛma ɛyɛ den sɛ wobɛhu wɔn fapem pɔtee.

Adwumayɛ Kwan Ne Aguadi Mu Nnipa: Wɔn adwumayɛ kwan ne sɛ wɔde fon so dwumadi ma nnipa a wɔde wɔn fon kwan so nsɛm di dwuma de bɔgyew sika. Wɔn aguadi mu nnipa titiriw ne adwumayɛfoɔ a wɔgye akatua ne adwumayɛfo nketewa a wɔhwehwɛ sika ntɛm de boa wɔn adwuma anaa wɔn ankasa nsɛm ho. Wɔde sika no ma ntɛm na ɛho nhia sɛ wobɛde ntadeɛ biara akyi.

Bɔgyefo Nneɛma, Sika a Wɔde Tua So, Ne Ne Ho Nhyehyɛe

Ozzy Money de bɔgyefo nneɛma pii ma, titiriw ma ankorankoro ne adwumayɛfo nketewa. Sika a wobetumi abɔgyew no fi sedi mpem anum (GHS 5,000) kosi sedi mpem dunum (GHS 15,000) a ɛyɛ bɛyɛ dɔla apem nan ne aduonu (USD 1,420).

• Bɔgyefo Sika Dodow:
  • Nea ɛba fam: GHS 5,000
  • Nea ɛboro so: GHS 15,000
• Sika a Wɔde Tua Bɔgyefo So (Interest Rates): Wɔde sika a wɔde tua bɔgyefo so bɛyɛ 30% tua afe biara. Nea ɛboro so a wobetumi atua wɔ afe baako mu no yɛ 36%. Saa sika a wɔde tua so yi yɛ nea ɛkɔ soro kɛse wɔ Gaana sikabɔgyefo adwumayɛ mu.
• Sika Bɔgyefo Bere: Wobetumi abɔgyew sika no afi nna nson (7) kosi nna ahanu ne du (210) mu. Sɛ́ nhwɛso, sɛ wobɔgyew sika nnawɔtwe baako pɛ a, ɛsɛ sɛ wotua sika no nyinaa ne sika a wɔde tua so no bere a ɛsɛ sɛ wotua no. Wɔkan sika a wɔde tua so no da biara da, na wɔde aduasa nsia (360) na ɛyɛ afe baako.
• Nsiesie Sika (Fees): Wɔn nsɛm no nna hɔ fa nsiesie sika (processing fees) ho. Nanso, ɛte sɛ nea wobetumi atua sika a ɛyɛ den sɛ wode bɛtua akyiri. Esiane sɛ wɔn mmara kwan so tebea no nna hɔ nti, ɛyɛ den sɛ wobɛhu nsiesie sika pɔtee a wobetumi atua.
• Ntadeɛ Ho Nhia: Sika a Ozzy Money de ma no nyinaa yɛ bɔgyefo a ntadeɛ nni ho. Enti, ɛho nhia sɛ wobɛde agyapadeɛ biara akyi. Wɔde wo fon so nsɛm ne sikasɛm ho nsɛm na ɛkyerɛ sɛnea wobɛma wo sika.

Sɛnea Wɔbɔgyew Sika, Fon So Dwumadi Ne Adwumayɛ

Ozzy Money adwumayɛ no gyina fon so dwumadi ne intanɛt krataafa so kɛse. Eyi ma ɛyɛ mmerɛw sɛ nnipa pii betumi anya wɔn adwuma no. Nanso, ɛsan nso de nsɛmmɔnedi ahorow ba.

Sɛnea Wɔbɔgyew Sika Ne Nneɛma A Ehia

Sɛ wopɛ sɛ wobɔgyew sika fi Ozzy Money hɔ a, ɛsɛ sɛ wode wɔn fon so dwumadi a ɛwɔ Google Play (ma Android fon ahorow) anaa wɔn intanɛt krataafa so di dwuma. Nea ehia ne sɛ wode wo Gaana Kaad anaa aban kwan so nkrataa a ɛkyerɛ wo ho bɛma. Wɔsan nso bɛhwehwɛ sɛ wode wo fon mu nsɛm bi te sɛ wo fon nhoma ne mfonini bi bɛma. Wɔde fon so nneɛma di dwuma de hwɛ wo sikasɛm ho nsɛm ntɛm ara na wɔma wo ho kwan.

• Kyerɛwtohɔ Kwan:
  • Fon so dwumadi (Android)
  • Intanɛt krataafa: ozzy-money.info
• Nneɛma A Wɔhwehwɛ:
  • Gaana Kaad (National ID)
  • Fon nhoma mu din (Contact list)
  • Mfonini
  • Fon sika ho nsɛm (Mobile Money history)
• Sika a Wɔde Ma Kwan: Sika a wɔde bɔgyew no betumi aba wo fon sika akontaabu (MTN MoMo, Vodafone Cash) anaa wo sikakorabea akontaabu mu.

Fon So Dwumadi Ne Nnipa A Wɔde Di Dwuma Su

Ozzy Money fon so dwumadi no anya nsɛm pa afi nnipa bi hɔ, titiriw wɔ sɛnea ɛma sika ntɛm ne sika dodow a wobetumi abɔgyew no. Fon so dwumadi no kyerɛwtohɔ a ɛwɔ Google Play so no yɛ bɛyɛ 4.1 nsoromma. Nnipa a wɔde dwumadi no di dwuma no taa kamfo sɛ ɛyɛ ntɛm na ɛmfa bere pii. Nanso, nsɛmmisa pii aba wɔ sɛnea wɔne nnipa a wɔde dwumadi no di dwuma no yɛ adwuma ne sɛnea wɔhwehwɛ sika no.

• Fon So Dwumadi Mu Nneɛma Titiriw:
  • Bɔgyefo kyerɛwtohɔ a ɛyɛ ntɛm
  • Bɔgyefo a wobetumi ahwɛ so
  • Nkae a ɛfa sika a wɔde tua ho
• Nnipa A Wɔde Di Dwuma Asɛm (Reviews): Nnipa pii kamfo wɔn sɛ wɔma sika ntɛm. Nanso, nsɛm dodow no ara a nnipa ka ho asɛm no fa sɛnea wɔhwehwɛ sika no ho. Wɔka sɛ wɔhaw nnipa fon so na wɔde asɛmmɔne bɔ wɔn so de hwehwɛ sika. Saa nsɛm yi kyerɛ sɛ adwumakuw no de mmerɛw di dwuma wɔ nneɛma a ɛfa nnipa ho mu.

Mmara Kwan So Gyinabea, Aguadi Mu Gyinabea Ne Afotu Pa

Eyi ne fa a ɛho hia titiriw, efisɛ ɛda nsɛm a ɛfa mmara kwan so ne ahobammɔ ho adi.

Mmara Kwan So Gyinabea Ne Aban Ho Nsɛm

Nea ɛyɛ hu kɛse wɔ Ozzy Money ho ne sɛ Gaana Sikakorabea Kɛse (Bank of Ghana - BoG) anaa Nsɛm Ahobammɔ Akwankyerɛfo (Data Protection Commission) mmaa wɔn ahoɔden krataa sɛ wɔnyɛ sikabɔgyefo adwuma. Eyi kyerɛ sɛ wɔnyɛ mmara kwan so adwumakuw na wonni mmara a ɛhwɛ fon so sikabɔgyefo adwumakuw so wɔ Gaana no so.

Kɔkɔbɔ: Intanɛt Bɔgyefo Ahobammɔ Akwankyerɛfo (Cyber Security Authority - CSA) abɔ nnipa kɔkɔ pɛn wɔ Ozzy Money ne fon so sikabɔgyefo adwumakuw afoforo 47 ho. Wɔka sɛ saa adwumakuw yi de intanɛt so ɔhaw (cyberbullying) ne bɔgyefo a ɛyɛ hu (predatory lending) di dwuma. Wɔaka sɛ wɔde ahoɔden so sika a wɔgye (extortion) kwan di dwuma de hwehwɛ sika fi nnipa a wɔbɔgyew sika no hɔ. Saa kɔkɔbɔ yi da adi sɛ adwumakuw no yɛ mmara so atutofo na ɛho yɛ hu ma nnipa a wɔde wɔn ho bɛhyɛ mu.

Aguadi Mu Gyinabea Ne Akansifoɔ

Ozzy Money wɔ fon so sikabɔgyefo adwumakuw bɛboro aduasa (30) mu wɔ Gaana. Wɔn akansifoɔ a wɔagye din no bi ne Branch, Pea Money, Carbon, MTN Quick Loan, ne Fido. Ozzy Money yɛ nneɛma bi te sɛ sika dodow a ɛboro so a wobetumi abɔgyew no de yɛ wɔn ho soronko. Nanso, wɔn mmara kwan so tebea a ɛyɛ hu no ma ɛyɛ adwumakuw a ɛho yɛ asiane kɛse.

Afotu Pa Ma Nnipa A Wɔpɛ Sɛ Wɔbɔgyew Sika

Sɛ wopɛ sɛ wobɔgyew sika fi fon so sikabɔgyefo adwumakuw bi hɔ a, ɛho hia sɛ wunim nneɛma pii ansa na wode wo ho akɔhyɛ mu. Titiriw no, wobɛhwehwɛ adwumakuw a mmara kwan so ahoɔden krataa wɔ wɔn hɔ.

1. Hwɛ Mmara Kwan So Ahoɔden Krataa: Ansa na wode wo ho bɛhyɛ fon so sikabɔgyefo adwumakuw bi mu no, hwɛ yiye sɛ wɔanya ahoɔden krataa afi Gaana Sikakorabea Kɛse (BoG) ne Nsɛm Ahobammɔ Akwankyerɛfo (Data Protection Commission) hɔ. Saa nkrataa yi bɛma wo ahobammɔ na ɛbɛma woanya kwan afa mmara kwan so sɛ biribi kɔ so a.
2. Te Sika A Wɔde Tua So Ne Nsiesie Sika Ase: Kenkan nsɛm no nyinaa yiye ansa na woagye sika. Hwɛ sɛ wote sika a wɔde tua so, nsiesie sika, ne sika a wobetumi atua sɛ wode bɛtua akyiri no ase yiye. Adwumakuw bi te sɛ Ozzy Money a wɔn nsiesie sika nna hɔ no betumi de sika a ɛboro so atua wo.
3. Hwɛ Wobɔ Wo Nsɛm Ho Ban: Fon so sikabɔgyefo adwumakuw pii hwehwɛ wo fon nhoma, mfonini, ne wo fon so nsɛm pii. Adwumakuw a mmara kwan so ahoɔden nni hɔ no betumi de saa nsɛm yi ayɛ ade a ɛnyɛ pa, te sɛ sɛ wɔde bɛhaw wo anaa wɔde bɛyi wo nsɛm adi.
4. Hwehwɛ Adwumakuw A Wɔagye Din: Fa adwumakuw a wɔagye din na wonya mmara kwan so ahoɔden krataa di dwuma. Saa adwumakuw yi taa de bɔgyefo nhyehyɛe a ɛyɛ pɛ ma na wɔyɛ adwuma wɔ mmara kwan so. Nhwɛsoɔ bi ne Branch, Carbon, anaa wo ankasa sikakorabea a ɛwɔ wo mpɔtam hɔ.
5. Mmu Bɔgyefo sɛ Sika a Wɔde Yɛ Nneɛma Da Biara Da: Bɔgyefo tiawa yɛ ma ntɛm sika ho hia. Mfa adi sɛ kwan a wobɛfa so anya sika da biara da, efisɛ sika a wɔde tua so no yɛ den.

Sɛ nhwehwɛmu a yɛayɛ afa Ozzy Money ho no kyerɛ no, ɛyɛ adwumakuw a ɛma sika ntɛm nanso ɛho yɛ asiane kɛse esiane sɛ wonni mmara kwan so ahoɔden krataa ne sɛnea wɔhwehwɛ sika no nti. Sɛ obi pɛ sɛ ɔbɔgyew sika a, ɛho hia sɛ ɔhwɛ yiye na ɔfa kwan pa so de bɔ ne ho ban fi asiane ne ɔhaw ho.