Zatuloan

Wɔ Ghana sikasɛm mu a ɛregyina digital so nnɛ yi, bosea adwumakuo pii apue de mmoa nketenkete a ɛyɛ ntɛm ma nnipa. Zatuloan yɛ saa adwumakuo no mu baako a ɛde ne ho adi sɛ ɛde bosea ma denam mobile app so, na ɛde ne ho to nnipa a wɔnni sikakorabea akwanya so titiriw. Sɛ́ sikasɛm ho ɔbenfoɔ no, yɛbɛyɛ nhwehwɛmu kɔ akyiri wɔ Zatuloan ho, de nsɛm pɔtee ne afotu a ɛboa nnipa a wɔrehwehwɛ bosea wɔ Ghana.

Adwumakuo no Ho Mmuaeɛ ne Ne Ho Nsɛm a Ɛwɔ Ghana

Zatuloan yɛ digital bosea platform a wɔde Bayport Financial Services Uganda Ltd din na ɛyɛ adwuma wɔ Ghana. Saa adwumakuo yi hyɛɛ aseɛ yɛɛ adwuma wɔ afe 2025 mu, na ɛda adi sɛ ɛyɛ Bayport Group, Bayport Financial Services (Uganda) baa dwumadibea. Wɔn adwumadie nhyehyɛeɛ no yɛ digital-nko ara, na ɛde bosea a enni agyapadeɛ biara ho hia ma ntɛmntɛm.

Wɔn botaeɛ ne nnipa a wɔtena nkurow akɛseɛ mu a wɔyɛ adwuma anaa wɔyɛ adwumaden, a wɔnni sikakorabea akwanya a wɔadi bɛyɛ mfeɛ 18. Nanso, ɛho hia sɛ yɛbɛka sɛ ɛmfa ho sɛ wɔn din yɛ Bayport Financial Services Uganda Ltd no, wɔnhuu Zatuloan din wɔ Ghana Akyerɛwfoɔ Dwumadibea a ɛhwɛ adwumakuo so wɔ intanɛt so.

Zatuloan Bosea Dwumadie ne Nneɛma a Wɔde Ma

Zatuloan de bosea nketenkete a ɛyɛ ntɛm ma denam wɔn mobile app no so. Yɛnhwɛ bosea nneɛma pɔtee a wɔde ma no mu:

• Bosea Dodoɔ: Wɔn bosea dodoɔ no fi Ghana Cedis ahansia (GHS 600) kɔsi Ghana Cedis mpem num (GHS 5,000). Saa dodoɔ yi yɛ nea ɛfata ma nnipa a wɔhwehwɛ mmoa nketenkete wɔ Ghana.
• Mfasoɔ Nsɛm ne Nneɛma Foforɔ: Zatuloan ka sɛ wɔn afe mu mfasoɔ no yɛ ɔha mu nkyekyɛmu dumiɛnsa (13%) kɔsi ɔha mu nkyekyɛmu aduasa (30%). Ɛho hia sɛ wɔn a wɔrehwehwɛ bosea no bɛte sɛ saa mfasoɔ no betumi ayɛ kɛseɛ kɛseɛ ma bosea nketenkete a ɛyɛ ntɛm, titiriw sɛ wɔde toto bosea a ɛkɔ akyiri ho a. Wɔnka afe mu sika a wɔtua (APR) ho asɛm pɔtee biara.
• Bosea Berɛ ne Sika a Wɔtua: Wɔde bosea no ma wɔ berɛ a ɛtumi fi nna ɔha (100) kɔsi nna ahasa (300). Sika a wɔtua no yɛ prɛko pɛ wɔ berɛ a wɔde too gua no awieeɛ. Eyi kyerɛ sɛ ɛho nhia sɛ wobɛtua sika no ntɛntɛm, nanso ɛho hia sɛ wubetumi anya sika pii atua prɛko pɛ wɔ bosea no awieeɛ.
• Sika a Wɔntua: Zatuloan ka sɛ wɔnntua sika biara wɔ bosea ho dwumadie anaa nsiesie ho. Nanso, wɔnka akyi akyi sika ho asɛm pɔtee biara.
• Agyapadeɛ Ho Hia: Wɔnhia agyapadeɛ biara sɛdeɛ ɛbɛyɛ a wobɛgye bosea no. Eyi yɛ mfasoɔ kɛseɛ ma nnipa pii a wɔnni agyapadeɛ a wɔde bɛbɔ wɔn ho ban wɔ bosea ho.

Sɛnea Wɔbɔ Bosea ne Nneɛma a Wɔhwehwɛ

Bosea bɔ a ɛwɔ Zatuloan no yɛ nea ɛyɛ ntɛm na ɛnyɛ den, denam wɔn mobile app no so kɛkɛ:

• Akwanya a Wɔfa So Bɔ Bosea: Wobetumi abɔ bosea no wɔ Zatuloan mobile app no so kɛkɛ. Wɔnni website anaa adwumayɛbea foforɔ a wode bɛbɔ bosea. Wobetumi anya app no wɔ Android fon so, nanso wɔnhuu iOS app a ɛyɛ aban deɛ.
• Nnipa Ho Nsɛm a Wɔhwehwɛ (KYC): Sɛ wobɛtumi abɔ bosea a, ɛho hia sɛ woadi bɛyɛ mfeɛ 18, na wowɔ Ghana Card a ɛyɛ adwuma ne fon nɔma. App no bɛfa wo ho nsɛm pɔtee ne wo Ghana Card mfonini. Wɔde selfie na ɛyɛ ID verification.
• Sikasɛm Mu Nhwehwɛmu: Zatuloan de wɔn ankasa nkontabuo a ɛyɛ soronko di dwuma de yɛ sikasɛm mu nhwehwɛmu de hu sɛ wubetumi atua bosea no anaa. Wɔnka kwan a wɔfa so yɛ saa nhwehwɛmu yi ho asɛm pɔtee.
• Sika a Wɔde Ma: Sɛ wɔpene wo bosea so a, wɔde sika no kɔ wo sikakorabea akontaabu mu tẽẽ. Ɛho hia sɛ wobɛte sɛ Zatuloan mfa mobile money anaa sika nsa mu mma.
• Sika a Wɔgye: Wɔde nkaeɛ a ɛyɛ adeɛ baako kɔ wo fon so denam app no ne SMS so de kae wo sɛ berɛ adu sɛ wubetua wo bosea. Wɔnka nsɛm pɔtee biara wɔ sɛnea wɔde bɛdi dwuma sɛ obi antua bosea no.

Mobile App Nneɛma Titiriw ne Ne Sɛnea Nnipa De Di Dwuma

Zatuloan app no na ɛyɛ ne dwumadie no nnyinasoɔ. Nneɛma atitiriw a ɛwɔ app no mu ne sɛ:

• App Ho Nsɛm: Zatuloan-fast cash app no wɔ Android fon so, na Bayport Financial Services Uganda Ltd na ɛwɔ hɔ. Ɛwɔ downloads bɛboro 10,000, na wɔn a wɔde di dwuma no de no mfeɛ 17+ rating.
• Nneɛma Titiriw: App no ma wotumi nya nsɛntitire denam nnwuma a wɔyɛ so, na saa nsɛntitire no betumi aboa ma woatumi atew mfasoɔ a wobɛtua so. Saa adeɛ yi yɛ nea ɛyɛ soronko a ɛtumi tew bosea a ɛyɛ kɛseɛ no so. Wobetumi ahwɛ wo bosea dwumadie nyinaa wɔ app no mu.
• Website ne Intanɛt So Nsɛm: Zatuloan nni website pɔtee biara. Wobetumi ne wɔn ayɛ nkitaho denam e-mail address yi so: [email protected]. Wɔnni social media accounts biara a wɔde di dwuma.
• Baabi a Wɔyɛ Adwuma: Wɔn adwumadie no twe adwene si nkurow akɛseɛ so titiriw, titiriw wɔ Accra ne Greater Accra Mantam mu.
• Nnipa a Wɔde Di Dwuma: Wɔkyere sɛ nnipa bɛboro 10,000 na wɔde app no di dwuma. Mpɛn pii no, wɔn yɛ mmeranteɛ ne mmabaa a wɔyɛ adwuma anaa aguadifoɔ a wɔadi mfeɛ 18 kɔsi 40.

Mmara Ho Nhyehyɛeɛ ne Aban Kanya

Sɛ worehwehwɛ bosea adwumakuo a, ɛho hia paa sɛ wobɛhwɛ sɛ wɔdi mmara a ɛfata akyi. Wɔ Zatuloan fam no:

• Aban Kanya Ho Tebea: Zatuloan nni Bank of Ghana (BoG) digital bosea adwumakuo a wɔagye atom ho nhoma a ɛwɔ hɔ wɔ afe 2020 mu. Eyi kyerɛ sɛ wɔn dwumadie no betumi ayɛ wɔ mmara mu baabi a ɛnyɛ pɔtee wɔ Ghana.
• Mmara Ho Nsɛm: Wɔnhuu adanseɛ biara a ɛkyerɛ sɛ Zatuloan di Borrowers and Lenders Act 2020 (Act 1052) akyi. Saa mmara yi yɛ nea ɛho hia a ɛhwɛ bosea adwumakuo so wɔ Ghana.
• Nnipa a Wɔde Di Dwuma Ho Ahobammɔ: Zatuloan nni fair-lending policy a wɔde too gua. Afei nso, wɔnhyɛɛ data privacy ho nsɛm pɔtee biara. Nanso, app no ka sɛ wɔmfa nnipa ho nsɛm mma nnipa foforɔ.

Nnipa Nsɛm ne Nnwuma no Baabi a Ɛwɔ

Zatuloan ne bosea adwumakuo afoforo pii na ɛreko wɔ Ghanafoɔ sikasɛm mu.

• Nnipa Nsɛm: Wɔ Google Play Store so no, Zatuloan nyaa nkontabuo 3.8 wɔ 5 mu.
• Nneɛma Pa: Nnipa pii kamfo wɔn sɛ wɔpene bosea so ntɛmntɛm na wɔnntua sika biara wɔ dwumadie ho.
• Nneɛma Bɔne: Nsɛm a ɛtaa ba ne sɛ sika a wɔtua no yɛ kɛseɛ kɛseɛ sɛ obi gye bosea no mpɛn pii a. Afei nso, nnipa bi ka sɛ wɔn customer support no nyɛ papa. Nsɛm foforɔ a ɛtaa ba ne sɛ ɛyɛ den sɛ wode bɛnya customer service, wɔpow bosea a wɔde bɛma wo foforɔ mpofirim, ne app crashes wɔ berɛ a wɔrehyɛ bosea.
• Customer Service: Wobetumi ne Zatuloan ayɛ nkitaho denam wɔn e-mail address ([email protected]) anaa fon nɔma (+233 0500490858) so. Wɔnni live chat anaa in-app support.
• Nnwuma Ho Nsɛm: Zatuloan wɔ bosea nketenkete adwumakuo mu, na ɛwɔ nnipa kakraa bi a wɔde di dwuma sɛ wɔde toto bosea adwumakuo akɛseɛ te sɛ Fido ne M-Kopa ho a. Wɔn adeɛ a ɛyɛ soronko ne nsɛntitire nhyehyɛeɛ a ɛma wotumi tew mfasoɔ so.
• Akansifoɔ Titiriw: Fido Solutions (a wɔagye atom), AyaLend, Gh Loans, M-Kopa, ne sikakorabea bosea a ɛwɔ akyiri no yɛ wɔn akansifoɔ titiriw.

Afotu Pa ma Wɔn a Wɔrehwɛ Kwan sɛ Wɔbɛgye Bosea

Sɛ woresusu ho sɛ wobɛgye bosea afi Zatuloan anaa digital bosea adwumakuo foforɔ biara nkyɛn wɔ Ghana a, ɛho hia sɛ wobɛma wo ho akwankyerɛ de asɛm no ho ahobrɛaseɛ. Sɛ́ sikasɛm ho ɔbenfoɔ no, meyɛ afotu yi:

• Te Bosea Nhyehyɛeɛ Ase Yie: Ansa na wobɛgye bosea no, hwɛ sɛ wote mfasoɔ nsɛm, sika a wobɛtua, ne berɛ nhyehyɛeɛ ase yie. Zatuloan de sika ma wɔ berɛ tenten mu (nna 100-300), nanso wɔtua no prɛko pɛ wɔ berɛ no awieeɛ. Hwɛ sɛ wobɛtumi anya saa sika no atua saa berɛ no mu.
• Hwɛ Mfasoɔ Ho Nsɛm: Mfasoɔ a ɛyɛ 13% kɔsi 30% wɔ afe mu no betumi ayɛ kɛseɛ ma bosea nketenkete. Fa toto bosea afoforo a ɛwɔ Ghana ho na hwɛ nea ɛyɛ wo yie sen biara. Fa wo bosea ne ne mfasoɔ no bu akonta wɔ wo ti mu ansa na woagye.
• Di Dwuma wɔ Nsɛntitire Nhyehyɛeɛ no Ho: Zatuloan de nsɛntitire nhyehyɛeɛ bi ma a ɛma wotumi tew mfasoɔ so. Sɛ wobɛtumi adi dwuma wɔ saa kwan yi so a, ɛbɛtumi aboa wo ma woatua sika kakraa bi.
• Hwehwɛ Aban Kanya Ho Nsɛm: Ɛho hia sɛ wode w'ani bɛto bosea adwumakuo a Bank of Ghana agye atom no so. Sɛ adwumakuo bi nni hɔ a, ɛkyerɛ sɛ wɔwɔ mmara mu baabi a ɛnyɛ pɔtee, na ɛbetumi de asiane abrɛ wo. Hwɛ sɛ wobɛhwehwɛ adwumakuo no din wɔ BoG list no mu ansa na wode wɔn ho adi dwuma.
• Fa wo Ho Toto Akyi: Mfa wo ho nhyɛ bosea biara mu ansa na woahwehwɛ bosea afoforo a ɛwɔ Ghana, te sɛ Fido anaa sikakorabea bosea. Fa wɔn mfasoɔ, nsɛm, ne nnipa ho nsɛm toto ho na hwɛ nea ɛyɛ wo yie na ɛyɛ ahobanbɔ.
• Di Wo Sika Ho Dwuma Yie: Gye bosea kɛkɛ sɛ ɛho hia ampa, na hwɛ sɛ wobɛtumi atua wɔ berɛ a wɔde too gua no mu. Sɛ wontumi ntua bosea a, ɛbetumi asɛe wo sikasɛm ho abakɔsɛm.
• Customer Service: Sɛ Zatuloan customer service ho nsɛm nni hɔ a, ɛkyerɛ sɛ ɛyɛ den sɛ wode bɛnya mmoa anaa wode bɛbisa nsɛm. Fa eyi gu wo nsusuasoɔ mu ansa na woagye bosea.

Zatuloan de kwan foforɔ bi ma nnipa a wɔhwehwɛ bosea nketenkete wɔ Ghana. Nanso, ɛho hia sɛ wobɛyɛ nhwehwɛmu a ɛyɛ pɔtee na wode afotu a ɛwɔ atifi hɔ no adi dwuma ansa na wode wo ho ahyɛ bosea biara mu. Sikasɛm mu ahobanbɔ yɛ nea ɛho hia sen biara.