Ready Money

Wɔ Ghana nkɔsoɔ mu, fon sika adwuma ne nsika fɛm a wɔde mfiri foforo yɛ (fintech) aba mu sɛdeɛ ɛbɛma nnipa pii anya sika fɛm, titire ma wɔn a wɔnnya kwan nkɔ sikakorabea kɛseɛ. Ready Money yɛ adwumakuw a ɛda nsow wɔ saa mfiri foforo adwuma yi mu, a ɛma Ghanafoɔ kwan sɛ wɔbɛnya bosea ntɛmntɛm a wɔde wɔn fon di dwuma. Saa asɛm yi bɛhwehwɛ Ready Money adwuma no mu kɔ akyiri, de nsɛm pɔtee pa ma obiara a ɔpɛ sɛ ɔfɛm sika anaa ɔpɛ sɛ ɔte nea ɛfa adwumakuw no ho.

Adwumakuw no ho nhyɛɛso ne Ghana Adwuma Mfiaseɛ

Ready Money adwumakuw no yɛ SIPAN FINANCE NIGERIA LIMITED deɛ, a ɛde ne din Ready Money yɛ adwuma wɔ Ghana. Saa adwumakuw yi mfiaseɛ ne Nigeria, Lagos, nanso ɛwɔ ankorankorɛ nnwuma a ɛyɛ adwuma wɔ Ghana mmara kwan so, nanso adwumakuw no ho nkrataa a ɛkyerɛ ne nkyerɛweeɛ dodoɔ ne afe a wɔde sii hɔ wɔ Ghana no, wɔammua mma obiara sɛ ɛnhwɛɛ so.

Adwumakuw No Nkyerɛkyerɛmu

Ready Money yɛ nsika fɛm adwuma a ɛnyɛ koraa wɔ fon so (100% digital lender). Ne botaeɛ ne Ghanafoɔ mpanyinfoɔ (mfeɛ 18 ne nea ɛboro saa) a wɔwɔ akatua anaa sika a ɛba daa. Wɔde atɛkyɛnimdeɛ (AI) a ɛboa wɔn ma wɔhwehwɛ nnipa tumi a wɔde betua bosea no mu ntɛmntɛm. Saa bosea yi yɛ bosea nketenkete a wɔde ma ntɛm, titire ma adwumayɛfoɔ a wɔtua wɔn akatua ne wɔn a wɔyɛ adwuma nketenkete a wɔpɛ sika ntɛmntɛm wɔ bere tiaa mu.

Adwuma Kyerɛw ne Nea Ɛkyerɛw Wɔ Ghana

Adwumakuw no yɛ adwuma wɔ Ghana amanfoɔ nyinaa mfa kwan a wɔfa fon so, enti ɛho nhia sɛ obi kɔ baabi pɔtee bi. Nanso, nsɛm a ɛkyerɛ sɛ ɛwɔ adwuma krataa firi Ghana Sikakorabea Kɛseɛ (Bank of Ghana) hɔ no, wɔanhwɛɛ so yie. Sɛ adwumakuw bi yɛ adwuma saa a, ɛho hia sɛ wɔbɛyɛ adwuma wɔ mmara kwan so a wɔanya adwuma krataa a ɛfata afiri aban adwumakuw a ɛhwɛ sika so no hɔ de abɔ nkurɔfoɔ ho ban.

Ready Money Bosea Ho Nneɛma ne Akatua

Ready Money bosea yɛ nea enni hwee akyi, a ɛkyerɛ sɛ ɛho nhia sɛ wode wo nneɛma bi te sɛ wo fie anaa kar to hɔ sɛ ɛnyɛ bosea no akyi. Wɔde saa bosea yi ma fon so pɛɛ.

Bosea Nneɛma a Wɔde Ma

• Bosea Dodoɔ: Wobɛtumi afɛm sika afiri Ghana Cedis (GHS) 1,000 kosi GHS 5,000. Saa dodoɔ yi boa nkurɔfoɔ pii a wɔn sika ho hia wɔn ntɛmntɛm.
• Bosea Bere Tenten: Bere a wobɛtumi de atua bosea no fi nna 92 kosi nna 200. Eyi ma kwan sɛ obiara bɛpaw nea ɛfata no wɔ ne sika tumi ho.

Ntoasoɔ, Akatua ne Bosea Nsɛm

Ntoasoɔ a Ready Money de tua bosea no yɛ nea ɛyɛ den, na ɛho hia sɛ obiara te ase ansa na ɔfɛm sika. Wɔfrɛ no Ntoasoɔ a Wɔde Tua Afe Biara (APR), na ɛwɔ Ready Money no, ɛfi 12% kosi 26%. Saa ntoasoɔ yi gu ahorow sɛdeɛ bosea no bere tenten ne obi a ɔfɛm sika no abrabɔ teɛ.

• Bosea Mfiase Akatua (Origination Fee): Wɔn agye 5% afiri bosea dodoɔ no mu. Sɛ nhwɛsoɔ no, sɛ wobɛfɛm GHS 1,000 a, wobetwa GHS 50 afiri mu ansa na wɔama wo sika no.
• Nsɛe Akatua (Late Payment Fee): Sɛ wobɛtua wo bosea akyiri a, wobetumi agye wo nsɛe akatua. Nanso, saa akatua yi dodoɔ no wɔammua mma obiara sɛ ɛnhwɛɛ so.
• Sika Yɛ Ho Akatua (Processing Fee): Wɔka kyerɛ sɛ wɔde saa akatua yi aka bosea mfiase akatua no ho, enti ɛho nhia sɛ wobɛtua bi foforo.
• Bosea Ho Akwammisa (Collateral Requirements): Ready Money bosea nyɛ nea ɛwɔ hwee akyi, enti ɛho nhia sɛ wode hwee bɛto hɔ sɛ wode bɛtua bosea no.

Sɛnea Wɔde Bosea no Botaeɛ Kyerɛw ne Fon Nhyehyɛeɛ

Sɛnea wobɛfa Ready Money afɛm sika no yɛ mmerɛ anaa na ɛnyɛ den, a ɛho nhia sɛ obi kɔ baabi pɔtee bi.

Bosea Ho Botaeɛ Kyerɛw Kɔkwan

Adeɛ titire a wobɛfa so afɛm sika ne fon nhyehyɛeɛ (mobile app) a Ready Money wɔ. Adeɛ biara a ɛfa botaeɛ kyerɛw ho no yɛ fon so.

• Fon Nhyehyɛeɛ: Wobɛtumi ahwe Ready Money nhyehyɛeɛ no afiri Google Play Store (ma Android fon) anaa App Store (ma iOS fon) mu.
• KYC Nkrataa ne Nsɛm Akyi Kyerɛw: Sɛ wopɛ sɛ wode wo ho bɔ Ready Money a, wobɛhwehwɛ Ghana Kaad anaa aban nkrataa foforo a ɛyɛ nokware. Nhyehyɛeɛ no bɛma wo kwan sɛ wode wo ID nkrataa mfonini ne wo ho mfonini (selfie) agu fon so, na wɔde mfiri ahwɛ mu ntɛmntɛm.
• Sika Tumi Ho Nhwehwɛmu: Ready Money de ne mfiri foforo di dwuma de hwehwɛ wo fon nsɛm, sɛnea wode fon di dwuma, sika a wunya ho nsɛm, ne sika a wode yɛ adwuma ho nsɛm mu de ayɛ wo sika tumi ho nhwehwɛmu ansa na wɔama wo bosea.

Nsika a Wɔde Ma ne Nsika a Wɔsan Tua

• Nsika a Wɔde Ma: Sɛ wopɛ bosea no kwan a, Ready Money de sika no bɛto wo MTN Fon Sika anaa fon sika akontaabu foforo biara a wode bɛkyerɛ no so ntɛmntɛm.
• Nsika a Wɔsan Tua: Wobɛtumi de fon sika akontaabu atu wo bosea no afiri fon nhyehyɛeɛ no mu. Wɔde nkrataa (SMS) bɛkae wo bere a wo bosea tua berɛ adu.

Fon Nhyehyɛeɛ (Mobile App) ne Sɛnea Obi De Di Dwuma

Ready Money fon nhyehyɛeɛ no yɛ adeɛ titire a wɔde yɛ adwuma. Wɔ Google Play Store no, wɔde Ready Money nhyehyɛeɛ no ama nsɛnkyerɛnne 4.3 (wɔ 5 mu) afiri nnipa a wɔde di dwuma no hɔ, a ɛkyerɛ sɛ nnipa pii ani agye ho.

• Nneɛma Titire: Fon nhyehyɛeɛ no ma kwan ma wɔde botaeɛ kyerɛw ntɛmntɛm, ma obiara paw bosea bere tenten a ɛfata no, na ɛwɔ baabi a wobɛtumi ahwɛ sɛnea wo bosea tua kɔ so.
• Nkurɔfo Adwenkyerɛ: Nnipa pii kamfo adwumakuw no sɛnea wɔde bosea ma ntɛmntɛm no. Nanso, afoforo nso kasa tia no sɛ ne ntoasoɔ ne ne akatua yɛ den dodo. Nsɛm foforo a ɛtaa ba ne nsɛe akatua ho akasakasa ne ɛtɔ da a nhyehyɛeɛ no tumi gu.

Mmara Kɛseɛ ne Nkurɔfo Adwenkyerɛ

Mmara ne Akatua Ho Nsɛm

Sɛ Ready Money yɛ adwuma wɔ Ghana a, ɛsɛ sɛ wɔdi Ghana mmara a ɛfa sika adwuma ho no so. Wɔka kyerɛ sɛ wɔyɛ adwuma wɔ "Mmara a ɛfa Sika Tua Nhyehyɛeɛ ne Nneɛma Ho, afe 2019" (Payment Systems and Services Act, 2019) ne data ho banbɔ mmara so. Wɔde fon nhyehyɛeɛ no mu yɛ nsɛm ho banbɔ ne obiara a ɔde di dwuma ho kwan a wobisa. Nanso, nsɛm a ɛkyerɛ sɛ wɔanya adwuma krataa afiri Ghana Sikakorabea Kɛseɛ hɔ no, wɔanhwɛɛ so yie.

Adwumakuw Foforo ne Sɛnea Wɔyɛ Adwuma

Ready Money yɛ adwumakuw a ɛwɔ baabi a ɛhwɛ bosea nketenkete so wɔ Ghana sika fɛm adwuma mu. Ɛne adwumakuw afoforo te sɛ Carbon ne Branch di akansi. Adeɛ a ɛma wɔn da nsow ne sɛ wɔma sika kakraa bi mfiaseɛ ne bere tiaa bosea. Wɔwɔ botaeɛ sɛ wɔde adwuma bosea ne sika kora ho nneɛma bɛba mu, na wɔbɛbɔ ahoɔden ne fon adwumakuw afoforo.

Nkurɔfo Adwenkyerɛ ne Boa

Nnipa a wɔde Ready Money di dwuma no mu pii ani sɔ adwumakuw no sɛnea wɔma bosea ntɛmntɛm na ɛyɛ mmerɛ no. Nanso, ne ntoasoɔ a ɛyɛ den no yɛ adeɛ a ɛma nnipa pii kasa tia wɔn. Sɛ obi wɔ nsɛm anaa nsusuiɛ a, ɔbɛtumi de email akɔma wɔn wɔ [email protected], na wɔka sɛ wɔtaa bua nsɛm no wɔ nnɔnhwereɛ 24 mu.

Afoforo a Wɔyɛ Adwuma Koro Wɔ Ghana

Wɔ Ghana no, adwumakuw pii na ɛma nsika fɛm a wɔde mfiri yɛ. Ready Money ne adwumakuw te sɛ Branch, Carbon, Paylater, ne Zidisha di akansi. Sɛ wobɛhwehwɛ adwumakuw afoforo a, ɛho hia sɛ wobɛhwehwɛ mu yie, na woahwɛ nea ɛyɛ wo fapem na woanya nea ɛyɛ papa ma wo.

Afotuo Pa ma Nkurɔfoɔ a Wɔpɛ Bosea

Sɛ wopɛ sɛ wofa bosea afiri Ready Money anaa nsika fɛm adwumakuw foforo biara hɔ a, ɛho hia sɛ wobɛhwɛ nneɛma bi so yie de abɔ wo ho ban na woanya bosea a ɛfata wo. Yɛ financial expert, enti yɛde afotuo yi ma wo:

• Kenkan Bosea Ho Nsɛm Yie: Ansa na wode wo nsa bɛto bosea ho apam so anaa wobɛgye sika no, kenkan bosea no ho nsɛm, ntoasoɔ, ne akatua biara a ɛwɔ hɔ no yie. Sɛ woannya aseɛ a, bisa.
• Te APR Aseɛ Yie: APR (Ntoasoɔ a Wɔde Tua Afe Biara) yɛ adeɛ titire a ɛkyerɛ sika a wobɛtua. Hwɛ sɛ wote aseɛ sɛnea wɔsusu eyi, na ɛnyɛ ntoasoɔ a wɔde tua ɔsram biara anaa da biara nko.
• Fɛm Nea Wobɛtumi Atua Pɛ: Nnfɛm sika dodoɔ a ɛboro wo tumi so. Hwɛ sɛ wo sika tumi bɛma wo kwan sɛ wobɛtua bosea no wɔ bere a wɔde ama wo no mu a asɛm biara nni ho.
• Hwɛ Wo Bosea Tua Nhyehyɛeɛ: Hwɛ bere a ɛsɛ sɛ wode tua bosea no ne sɛnea ɛsɛ sɛ woyɛ no. Ma wo fon sika akontaabu mmra mu bere nyinaa de agye wo bosea no.
• Hwehwɛ Adwumakuw Afoforo Nso Mu: Nnhyɛ w’ani nko ara ngu adwumakuw baako so. Hwehwɛ adwumakuw afoforo te sɛ Branch anaa Carbon mu, na woayɛ nsusuiɛ ahwɛ nea ɛyɛ wo fapem wɔ ntoasoɔ ne nsɛm afoforo ho.
• Hwɛ Adwumakuw No Ho Nkrataa: Hwɛ sɛ adwumakuw a wopɛ sɛ wode wɔn yɛ adwuma no wɔ aban adwuma krataa a ɛfata afiri Ghana Sikakorabea Kɛseɛ hɔ. Eyi bɔ wo ho ban firi adwumakuw a ɛnyɛ nokware anaa nea wɔnyɛ adwuma wɔ mmara kwan so ho.

Ready Money yɛ adeɛ foforo a ɛma Ghanafoɔ kwan sɛ wɔnya sika fɛm ntɛmntɛm wɔ wɔn fon so. Nanso, sɛdeɛ ɛteɛ wɔ sika adwuma biara mu no, ɛho hia sɛ wobɛyɛ nhwehwɛmu yie, na woate nea ɛwɔ bosea no ho ase ansa na woagye. Yɛ nsusuiɛ a ɛyɛ papa, na woayɛ sɛnea ɛbɛyɛ a wo bosea no bɛboa wo na ɛnyɛ wo asɛm.