Agribank

Oshivike shaAgribank nOmalalakano Gasho mUunamibia

Agribank, ndjoka ya tseyika nawa ongo Oshikondo shEpangelo shUulima mUunamibia, oye omukwatakanithi omukuluntu gwoshimaliwa shUulima moshilongo. Osho sha totwa po paupanguli lwOmpango yOombanga dhUulima dhUunamibia N.o. 5 ya 2003, okwa pewa epitikilo okuhumitha po nokulongela oshitopolwa shUulima mUunamibia okupitila momilandu dhiimaliwa dha gwanitha, dhIihwapo nOmilandu dhoshili. Oshikondo shika osha kwatela iituthi yasho yotango mu 1907 ongo omukwatakanithi gwaalimi, ihe osha totululwa nokupangululwa paupanguli lwa ngashingeyi mu 1991, nokupatulula omikalo dhasho dha ngashingeyi.

Agribank oye oshikondo shEpangelo shoka shi li mOmake gEpangelo lyaNamibia lya gwana. Osha kutha omukalo gwOkugandja iimaliwa kaantu nosho wo koohandimwe dhIimaliwa "mokuhumitha po uulima niilonga yi na ko nasha", ngaashi okukwatela evi, oongeshefa dhiilongitho yUulima, okulongela iiyimati, nOmakwatakanitho gopomalandulathano. Omwaalu gwaantu mboka ya tegelelwa yiikwatakanithe nayo ogwa kwatela mo aalimi ye na uulima ongo oshilonga shawo shikuluntu naamboka ye na uulima ongo oshilonga shOmulongo, aapunguli yUulima, aakiintu naanona (mboka ya yambidhidhwa okupitila momilandu dhiihwapo), nosho wo oongeshefa dhUulima ndhoka dhi na omukalo gwokukwatakanitha iinima yiikuluntu yiikuluntu nOmishindalandu.

Pekelelo lyOmuwiliki Omukuluntu nOmutumba gwAawiliki, Agribank oha kwatelwa komeho kOmuwiliki Omukuluntu nokOmutumba gwAawiliki. Ompangela yOmwedi yoompito yi li mo Omuwiliki gwoshimaliwa (CFO), Omuwiliki gwOonyadhi, Omuwiliki gwOmiyonena nosho wo Omuwiliki gwOmikalo.

Omayambidhidho Giiyadhiwa nOondjambi dhaAgribank

Agribank oha gandja iiyadhiwa yi thike pomwaalu 20 mOmikalo ndatu: Oonyadhi dhEthimbo Efupi (oomvula 1-5), Oonyadhi dhEthimbo lyOpokati (oomvula 5-8), nOonyadhi dhEthimbo Ele (oomvula 10-25). Iiyadhiwa yiikuluntu yiikuluntu yi li po otayi kwatela mo:

• Oonyadhi dhIimuna: Dhokulanda iimuna yOmikoka dha yoolokathana.
• Oonyadhi dhOkuhumitha po (dhOmathimbo): Dhokufuta oongeshefa dhUulima dhomathimbo, ngaashi okugandja omiti, okugandja omeya, nOkupungula.
• Oonyadhi dhOkulanda Evi: Dhi na ethimbo ele, dhokukwatela evi lyUulima.
• Oonyadhi dhIilongitho yOpolasi nOongeshefa: Dhokulanda iilongitho yUulima yomikoka dhiikuluntu (ngaashi iingeshefa, iilongitho yokugandja omeya) nosho wo oongeshefa dhokulonga.
• Okukondolola Omuti Omuyonaguli: Dhokukondolola Omuti Omuyonaguli gwevi lyUulima.
• Okufuta Omuti nOonkondo Dhilwe: Dhokufuta oongeshefa dhomuti nosho wo oonkondo dhilwe dhokulongela iiyimati.
• Oonyadhi dhiihwapo kaadhi na oshimaliwa shokwiinekelitha (ERFP, Oshiholelwa shAakiintu naanona): Dhoka dha kutha ko oshimaliwa shokwiinekelitha shoshibulwa, ihe dhi na omukalo gwOmayele nElongo.

Omayambidhidho Goshimaliwa nOongeshefa

Omwaalu gwOonyadhi: Oha pulwa okutameka kOondola dhaNamibia N$5,000 (ohuguuluka piiyadhiwa), nomwaalu omukuluntu gwOondola dhaNamibia N$1 miliyona kOmukongi gweindilo lyERFP. Koompango dhOongeshefa dhIikuluntu, omwaalu otagu vulu okuthika kOondola dhaNamibia N$10 miliyona nasha.

Ontaku (p.a.) yaAgribank (Auguste 2025):

• Oonyadhi dhaYambidhidhwa: 4.00%
• Oonyadhi dhEthimbo Efupi: 8.75%
• Oonyadhi dhEthimbo lyOpokati: 9.50%
• Oonyadhi dhEthimbo Ele: 9.25%
• Oonyadhi dhiihwapo kaadhi na oshimaliwa shokwiinekelitha: 9.00%
• Oonyadhi dhOkukondolola Omuti Omuyonaguli: 7.25%
• ERFP: 6.75%
• Ekuzafuto lyoonyadhi dha lunduluka: 2.00% (p.a. koshimaliwa sha lunduluka)

Omilandu dhOonyadhi nOkufuta: Ethimbo lyOonyadhi ohaguuguuka kEhumithopo lyoomvula 1 (dhomathimbo) sigo ooomvula 25 (dhokulanda evi). Ompangela yokufuta: omwedhi kehe, komwedhi gwotatu, komwedhi gwotandathu, nOmvula kehe.

Omilandu dhOondjambi:

• Ofuto yokulongela eindilo: N$150 (kaadhi na okugalululwa).
• Oondjambi dhokulongela/dhOkutameka: 0.5%–1.0% yoshimaliwa shondyadhi.
• Ofuto yOkwaadhafula okufuta: 2% p.a. koshimaliwa sha lunduluka.

Omakwatakanitho gOshimaliwa shokwiinekelitha: Oonyadhi dhopambelele ohadhi gamenwa koshimaliwa shokwiinekelitha ngaashi evi lyi li pegandja, iilongitho, oshimaliwa sha gandjwa po, nOngeyo dhOpolisi. Oshiholelwa shERFP nosho wo oonyadhi dhiihwapo kaadhi na oshimaliwa shokwiinekelitha ohadhi kutha ko oshimaliwa shokwiinekelitha shoshibulwa, ihe ohadhi gandja omayele nElongo nokukwatakanitha omaudhililo gomalongo.

Omithigululwakalo dhOpangeshefa nElongo lyaApulika

Agribank oha gandja omikalo dha yoolokathana dhokulongela eindilo, okugandja omayakulo nokukwatakanitha oonyadhi. Okwiikwatakanitha kwOshimaliwa shUulima oku li mOnkalo yOpatakululo nokukwatakanitha, Agribank oha tsikile okukwatakanitha omihaku dhOpatakululo opo a longithwe nawa kaakongi yOonyadhi.

Omikalo Dhokulongela Eindilo

• Omakwatakanitho gopasipundi: Omakwatakanitho ge thike pomwaalu 8 mOonooli dhoshilongo (Windhoek, Oshakati, Rundu, nOonooli dhilwe).
• Epandja lyopainternet: Omukongi gwoshimaliwa otatu vulu okudhownlowdha omafomu gokulongela eindilo kage agribank.com.na.
• Agrilearn Podcast nOmakwatakanitho gOmaudhano: Oha gandja omayele okupitila momakwatakanitho gOmaudhano nosho wo oprogramwe yaAgrilearn.

Omakwatakanitho gOmukongi gweindilo nOkulongela Oshimaliwa

Omukongi gwoshimaliwa oha pulwa okugandja omaudhililo gopawo ngaashi: ID yaNamibia, uumbangi wEpangelo, oobankestatament, CV nosho wo omulandu gwongeshefa. Aalimi yomomikunda ohaya pulwa okugandja omukanda gwEpitikilo lyEvi kUukwamuhoko womomikunda moka.

Omakwatakanitho gOshimaliwa nOkulongela oonyadhi: Agribank oha konakona oonkwaali dhoshimaliwa dhOmukongi gweindilo noku pulwa okukala e na oomvula 21 (ERFP). Oha konakona wo omulandu gwongeshefa, omilandu dhomahumithopo goshimaliwa (oomwedhi 36), nosho wo oobankestatament dhoomwedhi hamano. Aalimi aape mboka ya tegelelwa yiikwatakanithe nayo ohaya pulwa okwiikwatakanitha kOmuyeleli nokulongela omaudhililo gomalongo.

Omikalo dhOkugandja Oshimaliwa: Oshimaliwa ohashi gandjwa okupitila momakwatakanitho gopokaelektronika komeho gOmuhupuli. Agribank oha longela wo komikalo dhokugandja oshimaliwa okupitila moshimaliwa shopalweendo, nosho wo okugandja oshimaliwa kOmatayi koonooli dhoshilongo (nomikalo dhomavawcha).

Okukongelela nOkuhwepopaleka: Agribank oha longitha omikalo dhokukongelela oshimaliwa okupitila momakwatakanitho gopokaelektronika, omakwatakanitho gOmatayi nosho wo omikalo dhopaupanguli dhOonyadhi ndhoka dha lunduluka. Oonyadhi dha lunduluka ohadhi kwatela ko ontaku yEkuzafuto yopresenda 2% p.a.

Omakwatakanitho gOpatekululo nOnkalo yOkwiinekelwa

Pethimbo lya ngashingeyi lyOkukwatakanitha Opatakululo, Agribank oha tsikile okulongitha omihaku dha gwanitha opo a longithwe nawa kaakongi yOonyadhi. Okukwatakanitha kwelele oku li kOpatakululo oku li onkalo yiikuluntu yiikuluntu yokuhumitha po omayakulo gaAgribank.

Omithigululwakalo Dhopatukululo

• Oprogramme yOmahangelafoni: Oyi li po kOmahangelafoni gaiOS nogaAndroid, yi na onkwaali yOpaverage yoonkwaali 3.8/5.0. Oha gandja omikalo ngaashi okukwatakanitha omaudhililo goonyadhi, okugandja omilandu dhokufuta, nosho wo okukwatakanitha omaudhililo goonyadhi.
• Epandja lyopainternet: Oha gandja omaudhililo gelele kombinga yiiyadhiwa, ontaku, nosho wo omafomu gokulongela eindilo.

Okukwatakanitha kOshinano: Agribank oku li nOmakwatakanitho ge thike pomwaalu 8 mOonooli dhoshilongo, noku li wo nOmikalo dhokukwatakanitha Omikunda okupitila momakwatakanitho gUulima. Mu 2023/24, Agribank okwa kwatela ko aakongi yOonyadhi dhokulanda evi 466, 223 ya li mOmayele, naapunguli 9,449 ya li mOmalongo. Agribank oha gandja oonyadhi kOmwaalu gwAapunguli ye thike pomwaalu 5,000, e li nOshitopolwa shomalandulathano shOopresenda 47% mOonyadhi dhUulima. Oopresenda 44% dhaakongi yOonyadhi oye li aakiintu naanona.

Onkalo yOkwiinekelwa nOkugamena Aakonakoni

Agribank okwa pangululwa paupanguli lwaAgribank Act N.o. 5 ya 2003, nokwa kwatelwa komeho kOminista yOshimaliwa. Agribank iha pangululwa paupanguli lwOmpango yOombanga. Inaku ulika nando uupu ekuzafuto lyopaupanguli. Agribank oha gandja omaudhililo gelele kombinga yOondjambi nOntaku, oha gandja omalongo nOmayele opo a humithe po uunkwatakanithi woshimaliwa. Oha longitha omikalo dhokukwatakanitha omikwisho okupitila kOmeeli nOmakwatakanitho gOmatayi.

Onkalo yaAgribank pOmalandulathano nOmayele gwaNakukonga Omunwe

Agribank oha kala e li omuyambidhidhi omukuluntu gwoshimaliwa shUulima mUunamibia, e na oshitopolwa shomalandulathano shOopresenda 47%. Oha kwikilikidhwa kOombanga dhopangeshefa (ngaashi FNB, Nedbank) nosho wo Omahanganonyadhi gofupi. Agribank oha yooloka ko kookwikilikidhi dhilwe kOkuyambidhidha kEpangelo, iiyadhiwa yiihwapo (ERFP, PSSF), nosho wo Ethimbo ele lyOonyadhi. Okwa longekidha okuhumitha po oonyadhi dhokulimitha uulima wiihwapo, nokukwatakanitha omikalo dhokugandja oonyadhi dhopatukululo mu 2026. Agribank oha longela kumwe nOminista yUulima, Meat Board, nosho wo Omahanganonyadhi ghOpafoni mokukwatakanitha oshimaliwa shopalweendo.

Oshiholelwa shaAakonakoni

Onkwaali yOprogramme yOmahangelafoni: 3.8/5.0. Aakonakoni ohaya hambelela Oonyadhi dhopambelele, nosho wo Elongo lyOmuwiliki. Omihaku dhOmikwisho: Eindilo oha kutha ethimbo ele (oomvula 4-6), nosho wo Omikalo dhokulongela eindilo dhopainternet ota dhi pumbwa okuhwepopalekwa. Agribank oha gandja omayakulo gOmayele ga gwanitha Oopresenda 84%. Oshiholelwa shUuyelele: Aalimi yofupi mOkavango oya humitha po iimuna yawo kOopresenda 19% konima yOonyadhi nOmayele gaAgribank.

Oshilonga shIimaliwa (FY 2023/24)

• Omatotelo gelele: N$3.44 biliyona (-1.7%).
• Oonyadhi dhOpapela nOmayambidhidho: N$3.13 biliyona (+6.7%).
• Ongeshefa ya gwanithwa: N$258 miliyona (+5.8%).
• Ontaku yopapela: N$226 miliyona (+13.6%).
• Ompindikila yOngeshefa: -N$17 miliyona (oshiponga, kOmpindikila yN$49.5 miliyona).
• Iimaliwa ya gandjwa: N$369 miliyona (+34%), ya yambidhidha aalimi 466.

Agribank oha yambidhidhwa kEpangelo; oha kongo omikalo dhokuyambidhidha iimaliwa dhilwe. Oopresenda dhoonyadhi dhihe shi okulongwa: 7.2% (dha londa molwomakanka). Omiyonena dhokukengelelwa dhoshimaliwa: N$65.3 miliyona mu FY 2023/24 (dha londa kOondola dhaNamibia (2.8) miliyona).

Omayele gwaNakukonga Omunwe

Ngele owa hala okukonga ondyadhi kAgribank, otashi simana uutelele nawa omulandu gwongeshefa yoye, u wulike nawa omaudhililo gokulongela eindilo, nuu pulakene komalongo gaAgribank, unene tuu ngele owa hala okukonga oonyadhi dhiihwapo kaadhi na oshimaliwa shokwiinekelitha. Kala uuthele omwaalu gwoshimaliwa shoka uupumbwa nosho wo ethimbo uuna u li nawa okufuta ondyadhi. Kwata ko nawa ontaku nOondjambi dhoka dhi na ko nasha nOndyadhi yoye. Okwiikwatakanitha nawa nAgribank nOkukwatela iikwatakanitha yoye yoshimaliwa ohaku ku kwathele okukala u na uuyelele kombinga yOndyadhi yoye. Okukala u na omulandu gwongeshefa gwa gwanitha nokukala u na uuyelele kombinga yomilandu dhokulongela eindilo ohaku ku kwathele okukala u na oompito dhokugwanitha eindilo lyoye.