Pezesha

Wɔ Ghana, baabi a nnwumakuw nketewa ne mfinimfini (SMEs) yɛ sikasɛm ahyɛaseɛ no, sika a wobɛnya de ayɛ adwuma yɛ ade titiriw. Pezesha, adwumakuw bi a ɛde digital sika fafadeɛ ma no, abɛyɛ mmoa kwan titiriw ama saa nnwumakuw yi. Saa asɛm yi bɛhwehwɛ Pezesha adwuma mu kɔ akyiri, de nsɛm pɛpɛɛpɛ ama nnipa a wɔpɛ sɛ wɔfa sika fafadeɛ.

Pezesha: Ne Nsɛmti Ne Sɛnea Wɔyɛɛ No Wɔ Ghana

Pezesha yɛ fintech adwumakuw a wɔyɛɛ no wɔ afe 2016 wɔ Kenya. Ne din "Pezesha" firi Swahili kasa mu, na ɛkyerɛ "nea ɔboa ma obi nya sika" anaa "sika ho boafoɔ". Saa din yi kyerɛ wɔn adwuma titiriw: sɛ wɔbɛma nnwumakuw nketewa ne mfinimfini a wonnya sika ho mmoa pii no anya sika fafadeɛ a ɛho ka yɛ den.

Adwumakuw no de ne ho asi hɔ sɛ ɛyɛ B2B (business-to-business) digital sika fafadeɛ nhyehyɛeɛ ne embedded finance platform. Wɔn botaeɛ ne sɛ wɔbɛboa SMEs wɔ Afrika Sahara anafo fam, titiriw wɔ Kenya, Uganda, ne Ghana. Pezesha adwumayɛ mu no, wɔn a wɔda adwumakuw no ano ne Hilda Moraa, ɔbaa a ɔda Pezesha ano na ɔyɛ adwumakuw no hyehyɛfoɔ. Ne nimdeɛ ne n'akwankyerɛ na ama Pezesha atumi atu mpɔn wɔ sika fafadeɛ nhyehyɛeɛ mu.

Sika Fafadeɛ Ne Nwuma A Pezesha De Ma Wɔ Ghana

Wɔ Ghana, Pezesha de sika fafadeɛ ahodoɔ ma a wɔayɛ no pɛpɛɛpɛ ama nnwumakuw nketewa ne mfinimfini. Saa sika fafadeɛ yi botaeɛ ne sɛ ɛbɛboa nnwumakuw ma wɔasiesie wɔn sika ho ahiadeɛ ahorow a ɛboa ma wɔn adwuma kɔ so yiye.

Sika Fafadeɛ ahorow

• Nwuma Sika Fafadeɛ (Business loans): Sika a wɔde ma nnwumakuw sɛnea ɛbɛma wɔde adi wɔn daa adwumayɛ ho ka anaa wɔatrɛw wɔn adwuma mu.
• Inventory Sika (Inventory financing): Sika a wɔde ma nnwumakuw sɛnea ɛbɛma wɔatumi atɔ nneɛma a wɔtɔn anaa nneɛma a wɔde yɛ adwuma, sɛnea ɛbɛma wɔn stock aso.
• Asset Sika (Asset financing): Sika a wɔde ma nnwumakuw sɛnea ɛbɛma wɔatumi atɔ adwumayɛ mu nneɛma te sɛ mfidie anaa kar a ɛhia wɔn adwuma.
• LPO Sika (Local Purchase Order financing): Sika a wɔde ma nnwumakuw a wɔanya LPO nanso wonnya sika pii de anhyɛ no so. Saa sika yi boa wɔn ma wɔde LPO no yɛ adwuma.
• Trade Sika (Trade financing): Sika a ɛboa nnwumakuw a wɔyɛ aguadiɛ, titiriw wɔ nneɛma a wɔtɔn ne nea wɔtɔ mu.

Sika Fafadeɛ Mmara Ne Nsɛm

Pezesha sika fafadeɛ a wɔde ma no wɔ mmara pɔtee bi a ɛho hia sɛ wohu ansa na wode asrɛ:

• Sika Fafadeɛ Dodow (Loan Amounts): Wobetumi anya sika fafadeɛ a ɛkɔsi Ghana Cedis mpem nsia (GHS 6,000).
• Sika Ho Bosea (Interest Rates): Sika ho bosea no firi ɔha mu nkyekyɛmu mmienu (2%) kɔsi ɔha mu nkyekyɛmu nnan (4%) ɔsram biara. Eyi kyerɛ sɛ afe biara, sika ho bosea no betumi afiri ɔha mu nkyekyɛmu aduonu nson (27%) kɔsi ɔha mu nkyekyɛmu aduanan nwɔtwe (48%).
• Asetua Bere (Repayment Terms): Wɔma wo bere firi ɔsram baako kɔsi ɔsram dumienu (1-12 months) sɛ wode bɛtua sika no.
• Agyapa (Processing Fees): Agyapa kakraa bi na ɛwɔ hɔ, na ɛnyɛ den.
• Nea Wɔde To Hɔ (Collateral Requirements): Adeɛ titiriw a ɛma Pezesha yɛ soronko ne sɛ ɛho nhia sɛ wode biribiara bɛto hɔ sɛ sika no akatua. Eyi ma ɛyɛ mmerɛ ma nnwumakuw nketewa a wonnya nneɛma pii a wɔde bɛto hɔ no.

Sɛnea Wɔyɛ Boafo (Eligibility Requirements)

Sɛ wopɛ sɛ wunya Pezesha sika fafadeɛ wɔ Ghana a, ɛsɛ sɛ woyɛ nea edidi so yi:

• Wɔn adwumakuw no yɛ Certificate of Incorporation a ɛyɛ adwuma.
• Wɔwɔ Business Permit a ɛyɛ adwuma.
• Wɔn adwumakuw no ayɛ adwuma bɛyɛ ɔsram nsia (6) anaa nea ɛboro saa.
• Wɔwɔ wɔn adwuma ho nkrataa ne sika ho nkrataa a ɛyɛ pɛpɛɛpɛ.
• Wɔn a wɔwɔ adwumakuw no nyinaa wɔ Identification (ID) a ɛyɛ adwuma.

Sɛnea Wɔde Srɛ, App Ne Mmara A Wɔde Di Dwuma Wɔ Ghana

Pezesha de nhyehyɛeɛ a ɛyɛ mmerɛ de ma nnipa sɛnea wɔde bɛsrɛ sika fafadeɛ. Wɔde digital kwan so na ɛyɛ ne nyinaa, a ɛma nnipa ntumi nyɛ adwuma no ntɛm.

Sɛnea Wɔde Srɛ Sika Fafadeɛ (Application Process)

Sɛ wopɛ sɛ wode srɛ Pezesha sika fafadeɛ a, wode bɛdi saa kwan yi so:

• Wode w'ani bɛkɔ wɔn website so na woahyɛ online loan application form no ma.
• Wobɛkɔ so ahyehyɛ w'adwumakuw ne wo nneɛma ho nsɛm pɛpɛɛpɛ.
• Wode identification documents a ɛyɛ adwuma bɛto hɔ.
• Wobɛkyerɛ sika fafadeɛ no botaeɛ ne sɛnea wopɛ sɛ wunya no dodo.
• Wɔde nnɔnhwerew aduonu nnan (24) kɔsi aduɔson mmienu (72) bɛhwɛ wo nkrataa so na wɔde asɛmpa anaa asɛm bɔne no abɔ wo amanneɛ.

Mobile App Ne Patascore (Mobile App and Patascore)

Pezesha wɔ mobile app a ɛwɔ Android so a nnipa bɛyɛ mpem aduonum (50,000+) na atwe. Saa app yi ma ɛyɛ mmerɛ sɛ nnipa de bɛsrɛ sika fafadeɛ na wɔadi wɔn sika ho nsɛm so. Wɔn credit scoring nhyehyɛeɛ, a wɔfrɛ no Patascore, yɛ AI-driven (Artificial Intelligence) nhyehyɛeɛ a ɛhwɛ sika ho nsɛm afoforo so de ma wɔn a wɔbɛtua wɔn sika no credit score. Patascore hwɛ nneɛma te sɛ:

• Mobile sika ho dwumadie abakɔsɛm.
• Sɛnea obi tua ne sika no.
• Adwuma no dwumadie ho nsɛm.
• Sika ho nkrataa a wɔde ma no.

Mmara A Wɔde Di Dwuma Ne Agyapadeɛ A Wɔde Ma Wɔ Ghana (Regulatory Status and Licensing in Ghana)

Ade titiriw a ɛho hia sɛ wote ase wɔ Pezesha adwuma ho wɔ Ghana ne sɛ, wɔn ankasa wɔnni tumi krataa sɛ sika ho adwumayɛfoɔ wɔ Ghana. Mmom, Pezesha de ayɔnkofa na edi dwuma. Wɔne sika tua ho adwumayɛfoɔ a Ghana Sikakorafoɔ Kuo (Bank of Ghana) ama wɔn tumi krataa no na ɛyɛ adwuma. Saa kwan yi ne Ghana mmara a ɛfa crowdfunding ne lending ho no hyia, a ɛkyerɛ sɛ ɛsɛ sɛ adwumayɛfoɔ a wɔwɔ tumi krataa na ɛyɛ saa adwuma no.

Eyi kyerɛ sɛ Pezesha yɛ adwuma wɔ Ghana denam ne ayɔnkofoɔ a wɔwɔ mmara kwan so tumi krataa so, na ɛma wɔde Ghana Sikakorafoɔ Kuo crowdfunding policy mmara no di dwuma yiye. Wɔ Kenya no, wɔwɔ Digital Credit Provider (DCP) license a wɔnyaa no wɔ afe 2023. Enti, sɛ wode Pezesha di dwuma wɔ Ghana a, ɛho hia sɛ wote ase sɛ wode wɔn ayɔnkofoɔ a wɔwɔ tumi krataa no na ɛbɛyɛ adwuma, na ɛnyɛ Pezesha pɛ.

Pezesha Wɔ Ghana Sika Fafadeɛ Nnwumayɛ Mu Ne Akatua A Wɔde Ma

Pezesha atu mpɔn wɔ Afrika sika fafadeɛ gua so, na wɔn adwuma nso da adi wɔ Ghana.

Nea Pezesha Atumi Ayɛ (Pezesha's Achievements)

Wɔn adwuma akyɛdeɛ bi ne sɛ, wɔatumi de sika fafadeɛ bɛboro mpem ahanan (400,000+) ama wɔ mmeaeɛ ahodoɔ a wɔyɛ adwuma, na wɔwɔ SMEs bɛboro mpem ahanu (200,000+) a wɔagye wɔn din wɔ wɔn platform so. Wɔn sika a wɔde ma no adɔɔso bɛboro ɔha mu nkyekyɛmu mpem mmienu (2,000%) wɔ mfeɛ mmienu a atwam no mu.

Akansi Ne Nsɛm Pɔtee (Competition and Unique Selling Points)

Wɔ Ghana sika fafadeɛ gua so no, Pezesha hyia akansi firi digital sika fafadeɛ adwumakuw pii hɔ. Nanso, wɔwɔ nneɛma pɔtee bi a ɛma wɔn yɛ soronko:

• Ɛho Nhia Sɛ Wode Biribi To Hɔ (No Collateral): Eyi yɛ mmoa kɛseɛ ma nnwumakuw nketewa a wonnya nneɛma pii a wɔde bɛto hɔ.
• Alternative Credit Scoring: Wɔde Patascore di dwuma a ɛhwɛ transaction data ne business performance so, a ɛboa nnwumakuw a wonnya sika ho abakɔsɛm a ɛyɛ pɛpɛɛpɛ.
• Embedded Finance: Wɔne adwumakuw ahodoɔ yɛ adwuma denam API integration so, a ɛma sika fafadeɛ no yɛ mmerɛ sɛ wobɛnya fi platform ahorow so.
• Mmoa Ma Mmaa A Wɔda Nnwumakuw Ano (Focus on Women-Led Businesses): Pezesha ahwehwɛ mmaa nnwumakuw so pii, na wɔn clients a wɔde wɔn ho hyɛ nnwuma mu no mu ɔha mu nkyekyɛmu aduosia (60%) yɛ mmaa.
• Ntɛm So Akatua (Quick Approval): Sɛnea wɔma akatua ntɛm no boa nnwumakuw ma wɔnya sika a ɛhia wɔn ntɛm.

Adwene A Nnipa A Wɔde Di Dwuma Wɔn Akyi De (Customer Reviews/Feedback)

Pezesha de nsɛm a ɛkyerɛ sɛ wɔn adwuma yɛ papa na ɛboa wɔn a wɔde di dwuma. Nnipa pii ka sɛ:

• Wɔn app ne nhyehyɛeɛ no yɛ mmerɛ sɛ wode bedi dwuma.
• Sika ho bosea no yɛ nea ɛfata ma nnwumakuw nketewa.
• Wɔn customer support yɛ papa na wɔboa nnipa yiye.
• Nni adan ho agyapa a ɛyɛ ahintafosɛm.
• Wɔma wo sika fafadeɛ limit ntɛm ara.

Sika Ho Nkyerɛkyerɛ (Financial Education)

Pezesha gye di sɛ sika ho nimdeɛ ho hia, enti wɔde nneɛma ahodoɔ ma de kyerɛkyerɛ wɔn a wɔde wɔn ho hyɛ nnwuma mu:

• Pezesha Academy: Wɔde nkyerɛkyerɛ modules ma SMEs.
• Elimiza App: App a ɛma sika ho nimdeɛ denam AI so.
• Bosea Ho Afotu (Debt Counseling): Wɔboa nnipa ma wɔde bosea di dwuma yiye.

Afotu Ma Wɔn A Wɔpɛ Sika Fafadeɛ Wɔ Ghana (Advice for Potential Borrowers in Ghana)

Sɛ woyɛ nnwumayɛfoɔ a wopɛ Pezesha sika fafadeɛ wɔ Ghana a, nneɛma bi wɔ hɔ a ɛho hia sɛ wususu ho ansa na wode wo ho ahyɛ mu:

1. Hwɛ Mmara Ne Nsɛm No Yiye (Understand Terms and Conditions): Kenkan sika fafadeɛ no mmara, sika ho bosea, ne asetua bere no yiye. Hwehwɛ nsɛm pɛpɛɛpɛ a ɛfa agyapa anaa ka foforo biara ho.
2. Di Dwuma Ma Wo Nwuma Nkɔsoɔ (Use for Business Growth): Fa sika no yɛ adwuma a ɛbɛma w'adwuma atu mpɔn na w'anya mfasoɔ, na ɛnyɛ sɛ wode bɛtua wo nko ara wo ho ka.
3. Tua Wo Bosea Bere So (Repay Responsibly): Di wo mmara so na tua wo bosea no bere so sɛnea ɛbɛyɛ a wo credit score bɛyɛ papa na wobɛtumi anya mmoa foforo daakye.
4. Hwehwɛ Wɔn Ayɔnkofoɔ Tumi Krataa (Verify Partner's License): Esiane sɛ Pezesha de ayɔnkofa na edi dwuma wɔ Ghana nti, hwɛ yiye sɛ Pezesha ayɔnkofoɔ a wode wɔn nam so srɛ sika no wɔ Bank of Ghana tumi krataa a ɛyɛ adwuma.
5. Toto Ho Ne Akansifoɔ (Compare with Competitors): Ansa na wobɛgye sika no, hwɛ sika fafadeɛ afoforo a ɛwɔ gua so na toto ho. Hwɛ nea ɛyɛ wo yiye na ɛboa w'adwuma.

Pezesha yɛ adwumakuw a ɛde ne ho asi hɔ yiye wɔ digital sika fafadeɛ mu wɔ Afrika, na wɔn adwuma wɔ Ghana nso da adi sɛ ɛboa nnwumakuw nketewa. Wɔn embedded finance model ne alternative credit scoring nhyehyɛeɛ no yɛ nea ɛboa pii ma wɔn a wonnya sika ho mmoa pii. Nanso, ɛho hia sɛ nnipa a wɔpɛ sika fafadeɛ no te wɔn adwumayɛ mu nsɛm pɛpɛɛpɛ, titiriw wɔ mmara kwan so tebea ne ayɔnkofa a wɔde di dwuma wɔ Ghana no.