Wɔ Ghana nnɛyi wiase yi mu no, kɔmputa so sika akyiadeɛ adwumakuo pii apue sɛnea ɛbɛyɛ a ɛbɛboa nnipa a wɔpɛ sika ntɛmntɛm. Adwumakuo baako a ɛwɔ saa kwan yi so ne PeaMoney. Sɛ yɛkyerɛkyerɛ mu a, PeaMoney yɛ adwumakuo a ɛde sika akyiadeɛ ma kɔmputa so, a ɛyɛ adwuma wɔ Ghana. Ɛma mmoa ma nnipa a wɔyɛ adwuma akyi na wɔn nsa ka sika bi afe afe ne nkukukuku adwumayɛfoɔ nso. Nanso, sɛnea ɛwɔ afotufoɔ bi a wɔhwɛ sika nsɛm so adwumakuo no fam no, ɛho hia sɛ wɔn a wɔpɛ sika no hu sɛ adwumakuo yi nni Ghana Sika Panyin Adwumakuo (Bank of Ghana) tumi krataa a ɛsɛ sɛ ɛwɔ hɔ, na eyi de asianeɛ pii ba.
PeaMoney Ho Nsɛm Ne Nea Ɛfiri Baeɛ
PeaMoney, a Peamoney Developer na ɛhwɛ so, yɛ adwumakuo a ɛwɔ Accra a ɛdii kan baeɛ afe 2023 mu, berɛ a wɔde wɔn fono nhyehyɛeɛ (mobile app) baa Android so. Ɛyɛ adwumakuo a ɛyɛ ankorankorɛ deɛ, na ɛde sika akyiadeɛ tiaa anaa mfinimfini bere mu ma wɔn a wɔn nsa ka akatua anaa wɔn a wɔwɔ nkukukuku adwumayɛ. Wɔkyerɛ sɛ wɔde sika ma wɔn a wɔwɔ Ghana Kaatwi a ɛyɛ deɛ ɛfata, na wɔwɔ fono sika (mobile money) anaa baankye akaunt. Nanso, ɛho hia sɛ yɛdwene ho sɛnea yɛatumi ahunu no, PeaMoney nni aban kwan so tumi krataa firi Ghana Aban Mmrahyɛ Bagua anaa Ghana Sika Panyin Adwumakuo hɔ. Eyi kyerɛ sɛ ɛnni aban mmara a ɛhwɛ sika nsɛm so no ase, na ɛde asianeɛ ba ma wɔn a wɔde wɔn sika di dwuma.
Sika Akyiadeɛ Nneɛma Ne Ne Ho Nsɛm
PeaMoney de sika akyiadeɛ mmienu titire na ɛma:
- Aniso Sika Akyiadeɛ: Wɔn a wɔn nsa ka akatua bɛtumi anya sika akyiadeɛ a nhyiamu nni ho, a wɔde bɛtumi adi wɔn aniso ahwehwɛdeɛ ho dwuma.
- Nkukukuku Adwumayɛfoɔ Sika Akyiadeɛ: Adwumayɛfoɔ nketewa nso bɛtumi anya sika de ahyɛ wɔn adwuma mu.
Sika a wɔde ma no firi Sika Ghana Apem (GHS 1,000) kɔsi Sika Ghana Apem Du (GHS 10,000). Sika akyiadeɛ yi deɛ ɛho nhyiamu biara nni ho, kyerɛ sɛ ɛho nhia sɛ wode biribiara bɛto hɔ sɛ nhyiamu anaa obi bɛgyina ama wo.
Sikafuta Ne Akatua Bere
Sikafuta a PeaMoney de fa sika akyiadeɛ no so no yɛ nea ɛda hɔ, nanso ɛsom bo pii. Afe afe sikafuta (APR) no firi ɔha mu nkyekyɛmu aduonu nan (24%) kɔsi aduasa baako (31%). Eyi kyerɛ sɛ ɔsram biara sikafuta no bɛyɛ bɛyɛ ɔha mu nkyekyɛmu mmienu ne akyiri (2.58%), na daa sikafuta no yɛ ɔha mu nkyekyɛmu hwee ne akyiri nwɔtwe ne asia (0.086%). Sɛ nhwɛsoɔ, sɛ wofaa Sika Ghana Apem (GHS 1,000) de di nna ɔha ne aduɔwɔtwe (180) a, ɛbɛyɛ sikafuta a ɛyɛ Sika Ghana ɔha ne aduonum nan ne akyiri nwɔtwe (GHS 154.8).
Sika akyiadeɛ no akatua bere firi nna ɔha ne aduonu (120) kɔsi ahanasa ne aduosia (360), a ɛyɛ ɔsram nan (4) kɔsi ɔsram du mmienu (12). Sɛ akatua bere no duru so a, ɛsɛ sɛ wotua sika no nyinaa pɛn. Wɔkyerɛ sɛ sikafuta no akyi no, wɔnnye akatua anaa dwumadie ho sika foforɔ biara; nanso, nnipa bi a wɔadi dwuma no mu bi aka sɛ wɔgye sika kakraa bi ansa na wɔde sika no ama.
Sika Akyiadeɛ Ho Kɔmputa Nwoma Nhyehyɛeɛ Ne Ne Ho Nsɛm
Sika akyiadeɛ ho dwumadie no yɛ mmerɛ. Wobɛtumi afa PeaMoney fono nhyehyɛeɛ (Android app) so anaa wɔn kɔmputa so nwoma kwan so. Sɛ wobɛfa sika akyiadeɛ a, ɛsɛ sɛ wode wo Ghana Kaatwi kyerɛkyerɛ wo ho mu. Afei nso, ɛsɛ sɛ wode wo baankye akaunt nsɛm anaa wo fono sika adwumadie ho nsɛm ma, de kyerɛ sɛ wowɔ sika bi a ɛkɔ w'akaunt mu. Wɔn kɔmputa nhyehyɛeɛ no de nkrataa a wode ama no hwɛ wo mfeɛ, wo sika a wode yɛ adwuma, ne wo fono sika adwumadie ho nsɛm de bu sɛ wobɛtumi atua sika no anaa.
Sɛ wɔgye wo sika akyiadeɛ no to mu a, wɔde sika no kɔ wo fono sika akaunt (MTN, Vodafone) anaa wo baankye akaunt mu ntɛmntɛm. Wɔtua sika no berɛ a ɛsɛ sɛ wotua no, wɔtwe sika no firi wo fono sika akaunt a wode abata ho no so tẽẽ. Sɛ wotua akyi a, wɔde nsɛm kɔma wo fono so de kae wo.
Fono Nhyehyɛeɛ No Ho Nsɛm Ne Nea Wɔn a Wɔde Dwuma no Di Asɛm
PeaMoney fono nhyehyɛeɛ no yɛ Android deɛ na ɛwɔ nneɛma bi te sɛ sika akyiadeɛ ho akontabuo, akatua ho nhyehyɛeɛ, ne mmoa a wobɛtumi anya bere biara. Nnipa pii a wɔde dwuma no adi dwuma no abɔ n’afe sɛ wɔn dwumadie no yɛ ntɛmntɛm na ɛyɛ mmerɛ. Nanso, ɛho hia sɛ yɛdwene ho sɛ afe 2025 Oforisuo da a ɛtɔ so nson (June 7) no, wɔyii fono nhyehyɛeɛ yi firi Google Play Store so. Eyi ma yɛhwɛɛ yie wɔ adwumakuo no dwumadie ho.
Nnipa a wɔde dwuma no adi asɛm no bi ka sɛ wɔn sikafuta no yɛ kɛseɛ na akatua bere nso yɛ tiaa. Afoforɔ nso aka sɛ wɔtwe sika kakraa bi firi sika akyiadeɛ no mu ansa na wɔde ama wɔn. Wɔn mmoa dwumadie no nso nsɛm a ɛfa ho no yɛ nea ɛntoa so; ebinom ka sɛ wɔn mmoa no yɛ ntɛmntɛm bere a afoforɔ nso ka sɛ wɔn mmua no yɛ akyi.
Aban Mmara Ne Tumi Krataa Ho Nsɛm Ne Asianeɛ
Sɛnea yɛbɔɔ ho amaneɛ ansa na yɛaba ha no, PeaMoney nni Ghana Sika Panyin Adwumakuo (Bank of Ghana) tumi krataa a ɛsɛ sɛ ɛwɔ sɛ sika akyiadeɛ adwumakuo. Aban Mmara a Ɛhwɛ Nsɛm Ho Ahobammɔ So (Cyber Security Authority - CSA) no adwumakuo nso abrɛ wɔn a wɔn nsa ka sika no ase, de kyerɛ sɛ PeaMoney yɛ adwuma a ɛne aban mmara nsɛ. Wɔkaa sɛ ɛne Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930) ne Data Protection Act, 2012 (Act 843) no nsɛ. Eyi kyerɛ sɛ PeaMoney nni aban mmara a ɛhwɛ sika adwumakuo so anaa nsɛm ahobammɔ ho mmara no ase. Sɛ ɛba sɛ biribi kɔ so a, asianeɛ a ɛwɔ hɔ no bɛyɛ kɛseɛ ama wɔn a wɔde wɔn sika di dwuma.
Sɛnea Ɛne Afoforo Si Abata Ne Afotuo Ma Wɔn a Wɔpɛ Sika
PeaMoney ne kɔmputa so sika akyiadeɛ adwumakuo afoforɔ a ɛwɔ Ghana te sɛ Fido, Branch, MTN Quick Loan, Pezesha, ne Carbon na ɛbata. Wɔn mu bi yɛ wɔn a wɔwɔ aban tumi krataa, bere a afoforɔ nso nni bi.
| Nneɛma | PeaMoney | Fido (Wɔwɔ tumi krataa) | Branch (Wɔwɔ tumi krataa) |
|---|---|---|---|
| Tumi Krataa | Ɛnni aban tumi krataa | Wɔwɔ aban tumi krataa | Wɔwɔ aban tumi krataa |
| Sika akyiadeɛ (GHS) | 1,000–10,000 | 200–5,000 | 100–10,000 |
| Sikafuta afe afe (APR) | 24%–31% | 14%–25% | 15%–30% |
| Nhyiamu | Hwee | Hwee | Hwee |
Sɛ yɛhwɛ nsɛm yi a, ɛda adi sɛ PeaMoney sikafuta yɛ nea ɛsom bo pii berɛ a wɔn adwuma nni aban mmara kwan so. Eyi de asianeɛ pii ba ma nnipa a wɔde wɔn sika di dwuma.
Afotuo Ma Wɔn a Wɔpɛ Sika
Sɛ woyɛ obi a wopɛ sɛ wofa sika akyiadeɛ firi PeaMoney hɔ a, ɛsɛ sɛ wode nsɛm a ɛdidi soɔ yi yɛ adwuma:
- Hwɛ Tumi Krataa Ho Nsɛm: Bere nyinaa, hwehwɛ sɛ adwumakuo a wopɛ sɛ wofa sika firi hɔ no wɔ aban tumi krataa a ɛfata firi Ghana Sika Panyin Adwumakuo hɔ. PeaMoney nni saa tumi krataa yi, na ɛkyerɛ sɛ wɔn dwumadie nni ahobammɔ.
- Sikafuta Ho Nsɛm: Sikafuta a PeaMoney de fa sika akyiadeɛ no so yɛ kɛseɛ. Kenkan nsɛm no nyinaa yie ansa na woagye sika no, na wode toto adwumakuo afoforɔ a sikafuta no nsom bo saa no ho.
- Akatua Bere Ne Ne Ho Nsɛm: Hwɛ akatua bere a wɔde ma no yie na hu sɛ wobɛtumi atua sika no nyinaa berɛ a ɛsɛ sɛ wotua no. Dwene sɛnea wɔtwe sika firi wo fono sika akaunt so no ho.
- Nsɛm Ahobammɔ: Esiane sɛ CSA no abɔ kɔkɔ sɛ PeaMoney dwumadie nni Data Protection Act no ase nti, ɛsɛ sɛ woyɛ ahwɛyie wɔ nsɛm a wode ma wɔn no ho. Ebia wo nsɛm bɛtumi ada hɔ ama nnipa afoforɔ.
- Kɔmputa Nhyehyɛeɛ No Ho Nsɛm: Esiane sɛ wɔyii PeaMoney fono nhyehyɛeɛ no firi Google Play Store so nti, ɛsɛ sɛ woyɛ ahwɛyie wɔ baabi a wode dwuma no firi.
Sika akyiadeɛ firi kɔmputa so adwumakuo te sɛ PeaMoney yɛ mmerɛ, nanso ɛde asianeɛ pii ba. Ɛho hia sɛ woyɛ nhwehwɛmu a ɛyɛ pɛ na wode wo ho to adwumakuo a wɔwɔ aban tumi krataa na wɔdi aban mmara so no so, de bɔ wo ho ban. Adwumakuo a ɛnni aban tumi krataa yɛ nea ɛnni ahobammɔ na ɛtumi de asianeɛ kɛseɛ ba ma wo sika nsɛm.
