Oshikondo shiiyenditho shomaloli gomiimaliwa yokuumeleka moNamibia osha eta po omagalulo omanene mokulongitha iimaliwa nokwiigandja komukongeli. Mokulandula okulongithwa kwuungodhi dhoomatanda nokwaahwameka kwuukwatheli wiiyenditho yomongodhi, Namibia oya li omulongithi omunene gwiimaliwa yokuumeleka. Ondjokonona ndjika otayi ka gwedhelela owino kombinga yoshikondo shoka, eekampani oodene, omapulunguto gomaliyambo, oompango dhokukandulepo, nomanyongodhi gopaukombinga kaakongeli.
Okutala Kutekelela Kombinga Yomaloli Gomiimaliwa Yokuumeleka moNamibia
Okuza mo-2020, oshikondo shiiyenditho sha Namibia osha londa nziya nziya, sha hwamekwa kwiilonga yohishunina yokugwedhelela okulongitha iimaliwa nokukwathela kuukwatheli wiiyenditho yomongodhi (okulongithwa kwuukwatheli wiiyenditho yomongodhi oku na ookulula 75% dhaantu aakuluntu). Oombinga oodene dhomagalulo ngoka odhi li:
- Okulongithwa kwuungodhi dhoomatanda: Ookulula 55% dhaantu ayehe.
- Okulongithwa kwuukwatheli wiiyenditho yomongodhi: Ookulula 75% dhaantu aakuluntu.
- Oongeshefa dhiimaliwa yokuumeleka: Omadola ga Namibia ogomillion 1.2 oga li taga longithwa pokati komumvo gwa 2025.
- Omuyelo gwokukandulepo omapulunguto gomaliyambo (APR): Okupitila po ookulula 240% pomumvo.
- Omuyelo gwomaloli gaali: Omakulula 12%.
Ombanga ya Namibia oya tula po oompango dha pwa lela, dha hala eekampani adhihe dhoka dha gandja omaloli gomiimaliwa yokuumeleka dhi iitule moompango dhoombelewa dhoNAMFISA. Oompango ndhika otadhi pumbwa okwiidhimbi omukongeli (KYC) gwe (otadhi pumbwa okadhindji kokakwashigwana nokuulukwa mpoka omuntu ha kala) nokukandula po omapulunguto gomaliyambo (APR) gomaloli gomiimaliwa yokuumeleka gaahwa pombanda po ookulula 240% pomumvo, okuza muJanuali gwa 2025. Oompango ndhika otadhi kwathele okukwathela aakongeli nokukandula po oongeshefa dha ka lundulula.
Eekampani Oodene Dhomaloli Gomiimaliwa Nompango dhawo
Eekampani odhindji dhokugandja omaloli gomiimaliwa yokuumeleka otadhi longo moNamibia. Odhi ihumbata oombanga dhopangeshefa, eekampani dhomaliyambo, nokeekampani dhokuumeleka dhoka dha kwathelwa koombanga dhongodhi. Oompango dhokugandja omaloli odha puka-puka, okweenda poomodola dha Namibia 100 sigo 500 000, nomapulunguto gomaliyambo ge li pokati koopelesenda 5.25% sigo 240% pomumvo. Oku gandjwa kwiiyenditho ohaku endululwa okuza kookonto dhoombanga nokuukwatheli wiiyenditho yomongodhi.
Eekampani Dhopangeshefa Nokombiingona Dhopangeshefa
- FNB Banking App: Epandeka ndika otali gandja omaloli gopaumwene okuza koomodola dha Namibia 5 000 sigo 250 000, nomapulunguto gomaliyambo ge li pokati koopalusenda 11% sigo 18% pomumvo. Oha gandja owino gokukala nomukuli omunene, ihe okugandjwa kwiiyenditho ohaku vulu okukala kwa liyala.
- Bank Windhoek: Omaloli gomikuli oha gandja sigo oomodola dha Namibia 50 000, nomapulunguto gomaliyambo ge li pokati koopalusenda 10% sigo 20% pomumvo. Oha kwathele aakongeli mboka ye na oookonto dhoombanga noku gandja omakwathelo gokulanda iimaliwa kwaalongi.
- Nedbank Money: Epandeka ndika otali gandja omaloli gopaumwene okuza koomodola dha Namibia 5 000 sigo 200 000, nomapulunguto gomaliyambo ge li pokati koopalusenda 10% sigo 20% pomumvo. Oli na oshipala shomapandeka sha gongelelwa nokuya moshipala.
- Agribank Online: Oha gandja omaloli gomikuli dha longithwa momalinyengitho gomakololo okuza koomodola dha Namibia 5 000 sigo 500 000, nomapulunguto gomaliyambo ge li pokati koopalusenda 8% sigo 12% pomumvo. Omaaloli ngaka oga kwathelwa kohishunina nomuyalo gwohompa.
Eekampani Dhokugandja Omikuli Dhidhoondjokana
- LetsGo Powered by Letshego: Oha gandja omaloli okuza koomodola dha Namibia 250 sigo 500 000, nomapulunguto gomaliyambo gaaha pombanda po ookulula 24% pomumvo. Oya koka okulongitha iimaliwa yokuumeleka nokukwathela aakongeli nomakehelo.
- PostFin (NamPost Financial Brokers): Epandeka ndika otali gandja omaloli okuza koomodola dha Namibia 750 sigo 300 000, nomapulunguto gomaliyambo ge li pokati koopalusenda 18% sigo 36% pomumvo. Oha gandja oompango dhokulanda iimaliwa dha puka-puka nokukwathela aakongeli okuza kooposa.
- Entrepo Finance: Oha gandja omaloli gomikuli kaalongi yohishunina okuza koomodola dha Namibia 1 000 sigo 100 000, nomapulunguto gomaliyambo goopalusenda 24% pomumvo. Oha gandja iimaliwa okuza komukuli gwiilonga.
- Pause Financial Services: Oha gandja omaloli okuza koomodola dha Namibia 2 000 sigo 50 000, nomapulunguto gomaliyambo ge li pokati koopalusenda 18% sigo 36% pomumvo. Oha longitha okutala owino komukuli gwoye.
Eekampani Dhongodhi Nokuumeleka
- CashNow - Safe Loan App: Epandeka ndika otali gandja omaloli omahupi okuza koomodola dha Namibia 100 sigo 10 000, nomapulunguto gomaliyambo ge li pokati koopalusenda 120% sigo 240% pomumvo. Oha gandja iimaliwa mbala, ihe omilandu dhalyo odha pombanda noku na oompango dha ka lundulula.
- Taamba Maris Instant Loan (MTC App): Epandeka ndika otali gandja omaloli omahupi okuza koomodola dha Namibia 100 sigo 1 500, nomapulunguto gomaliyambo goopalusenda 120% pomumvo. Oli na oshipala shomapandeka sha kwatela oMTC Maris Wallet nokuha gandja omilandu dhokulanda iimaliwa.
Ompango Yekandulepo Nokukwathela Aakongeli
Ombanga ya Namibia nombelewa yoNAMFISA oyo omakandululi oodene gomaloli gomiimaliwa yokuumeleka moNamibia. Oya tula po oompango dha pwa lela okukandula po oshikondo shoka nokukwathela aakongeli. Omanyongodhi ngaka otaga pumbwa okwiidhimbi omukongeli gwe (KYC), okukandula po omapulunguto gomaliyambo (APR) pombanda po ookulula 240% pomumvo komaloli gomiimaliwa yokuumeleka gaaha na omukuli gwokukwathela, nokukwathela omawuyelele golye.
Nando ongaaka, aakongeli otaya vulu okukala taya vulika komanyongodhi gamwe, ngaashi:
- Okukala nomikuli dhindji: Okulongitha omaloli gomiimaliwa yokuumeleka odhindji otaku vulu okweeta po omukuli omunene gwomuntu.
- Okukwathela omawuyelele golye: Eekampani dhomaloli gomiimaliwa yokuumeleka odhindji otadhi pumbwa omawuyelele golye, notaku vulu okukala omanyongodhi gokukwathela omawuyelele golye.
- Omilandu dha ka lundulula: Omilandu dhomaliyambo, ngaashi omilandu dhokulanda iimaliwa nokulanda iimaliwa dha ka lundulula, otadhi vulu okukala dha pombanda nokueta po omukuli omunene.
- Omanyongodhi gopampango: Okulongitha omapandeka gomaloli gomiimaliwa yokuumeleka gaaha kandulwa po otaku vulu okukala omanyongodhi gopampango, ngaashi okukwathela omawuyelele golye nokukala nomilandu dha ka lundulula.
Omashongo Ghopaukombinga Kaakongeli
Opo wu inyenge omanyongodhi ngaka noku ikwathele momukuli gwoye, endulula omashongo ngaka ghopaukombinga:
- Tala omapulunguto gomaliyambo nomilandu: Shika osha simana lela okutala omapulunguto gomaliyambo nomilandu dha puka-puka okuza koombinga odhindji dhokugandja omaloli gomiimaliwa yokuumeleka pwaaheshi wu indike omukuli.
- Konakona ngele kampani oya kandulwa po: Dhiladhila ngele kampani ndjoka to longitha oya kandulwa po kOmbanga ya Namibia nenge koNAMFISA. Shika otashi ku kwathele wu ikwathele komanyongodhi gopampango.
- Lesha oompango nomanyongodhi: Dhiladhila ngele owa lesha nawa oompango nomanyongodhi dhomaloli gomiimaliwa yokuumeleka. Oompango dhika otadhi ka ku kwathela wu dhimbulule nawa oompango dhokulanda iimaliwa nomilandu dhomaliyambo.
- Tula po ompangela yokulanda iimaliwa: Longitha okulongitha ompangela yokulanda iimaliwa nenge okulongitha iiyenditho yomongodhi okuza koombinga dhoka to longitha. Shika otashi ku kwathele wu lande iimaliwa komukuli gwoye nawa.
- Hulitha omukuli omunene: Dhiladhila ngele owa hulitha omukuli omunene okuza koombinga dhomaloli gomiimaliwa yokuumeleka. Longitha omukuli omunene ashike ngele owa pumbwa iimaliwa unene.
- Kwathela omawuyelele golye: Dhiladhila ngele owa kwathela omawuyelele golye nawa. Omanyongodhi gomaloli gomiimaliwa yokuumeleka otaga pumbwa okukwathela omawuyelele golye nawa.
Omagalulo Gomongeshefa Nokutala Komeho
Oshikondo shiiyenditho sha Namibia otashi ka tsikila okukoka, sha hwamekwa kokulongithwa kwuungodhi dhoomatanda nokukwathela kuukwatheli wiiyenditho yomongodhi. Omaumbo gomaloli gomiimaliwa yokuumeleka otaga ka londa pombanda momagalulo, nomanyongodhi gokukandula po otaga ka tsikila okukwathela aakongeli. Osha simana lela okukala owu na owino kombinga yoompangela ndhika nokulongitha iimaliwa yokuumeleka nawa.
Oshikondo shika otashi ka eta po omigalulo gokukwathela aantu mboka kaye na okulongitha iimaliwa okuza koombanga dhopangeshefa. Nando ongaaka, osha simana lela okulongitha omanyongodhi ngaka nawa noku inyenge omanyongodhi gokukala nomukuli omunene.
Omugalulo gwa Namibia gwomaloli gomiimaliwa yokuumeleka otagu ulike nawa nawa kutekelela kombinga yoshikondo shoka nokulongitha iimaliwa yokuumeleka. Okulongitha omanyongodhi ngaka nawa otaku vulu okukwathela aantu okukwathela iimaliwa yawo nawa.
