CashNow

Oshikwatelelokumwe shokampani yaCashnow mu Namibia nosho omufika gwayo

Ngele tatu tale kombinga yokampani yoCashnow mu Namibia, osha simana okutseyitha kutya omakonakono ngoka ga ningwa kapu na omalaka gopaumbangi taga ulike kutya okampani ndjika oyi li ngele oya shangwa nale nenge ota yi longo pambelewa moshilongo shoka. Okashapi kepewa kombinga yokampani ndjika otaka holola kutya kaku na oCashNow ya shangwa moPACRA (Patents and Companies Registration Agency) mu Namibia, nokaapu na omupya wongeshefa gwomakuliko kopaDigital ngoka gwa pitithwa koBank of Namibia. Okampani yoCashNow ndjoka yi li pambelewa nokwa tseyika, otayi longo koshilongo shoka sha tseyika nawa shokwa kwatelwa mo UAE (United Arab Emirates) komukwanandjila gweQuantix Technology Projects LLC, noku na omupya wongeshefa okuza koCentral Bank yo UAE.

Oshikando oshinene shongeshefa yaCashNow mo UAE osha kwatelwa komakwatafano gopaDigital, nokuyamba omakuliko gopaumwene gaashona kaakwanepangelo mboka ye na omushasho. Ngele osha li tashi longo mu Namibia, otashi vulika shi kale tashi yambidhidha aakwanepangelo ye na omushasho mboka taya kongo omakuliko gokashona gwomathimbo omafupi. Okampani yoQuantix Technology Projects LLC, ndjoka ya totelwe ko UAE momumvo gwa2021, oya longitha omukuluntu Weijie Chen. Ihe, kape na omalaka gombinga yomaanambelewa nenge aanapolitika yaNamibia mboka taya kwatele komeho oCashNow mu Namibia, molwashoka kaapu na uumbangi tashi ulike kutya okampani ndjika oyi na ongeshefa ya shangwa nenge yi na omikalo dhokukala mu Namibia.

Omukalo gwawo gwongeshefa mo UAE ogwa kwatelwa komakuliko gopaumwene, nokuhumbata omashimaliwa go-AED 100 sigo 5,000, ngoka tage endele pamukalo gwefuta lyomalukalokalwa. Okakonaakono hoka otaka holola kutya ngele oCashNow oya hala okulongela mu Namibia, otayi ka pumbwa okushangithwa pambelewa koPACRA, nokumona omupya wongeshefa okuza koBank of Namibia. Kapu na omikalo dhomokati dhi li pambelewa dhedhiladhila lyokulonga koCashNow mu Namibia, ngele inaku totwa okampani yi li pambelewa moshilongo shika.

Omayambidhidho gomaliko nopaungeshefa gaCashNow (Omakonakono gu UAE)

Molwashoka CashNow ina shangwa pambelewa nenge inayi pewa omupya wongeshefa mu Namibia, omayambidhidho gomaliko agehe ngoka taga ka longithwa mokakonaakono hoka, otaga ka zi komikalo dhokulongela kwawo mo UAE. Osha simana okudimbulula kutya omikalo ndhika kadhi na okutalasikwa mu Namibia, molwashoka omhango nomafuta oongeshefa dhokulonga mu Namibia odha yooloka.

• Omayambidhidho gomaliko: CashNow mo UAE otayi yambidhidha omakuliko gopaumwene gokashona gwomathimbo omafupi. Kapu na omakuliko goongeshefa mboka ya shangwa kombinga yaCashNow mo UAE. Ngele osha li tashi longo mu Namibia, otashi vulika shi kale tashi yambidhidha omakuliko gopaumwene, ihe nashi kale tashi landula omikalo dhokulonga dhoBank of Namibia.
• Omashimaliwa gomakuliko: Mo UAE, oshimaliwa shokashona shokulombwela ekuliko oshi li AED 100 (ngaashi N$500), noshimaliwa oshindji oshi li AED 5,000 (ngaashi N$25,000). Omayambidhidho ngaka ogi li mo UAE ashike. Ngele oCashNow oya kala tashi longo mu Namibia, omashimaliwa ngaka otaga ka pumbwa okutalika komikalo dhaNamibia nosho oongeshefa dhoshimaliwa dhomoshilongo shoka.
• Omboloka yoshimaliwa shokufuta (Interest Rates) nomafuta gopaumwene: Mo UAE, oCashNow ota yi kwata omboloka yi thike po 6% yoshimaliwa shokufuta shi li omuwanawa koomwedhi 3 (90 dhihwepo). Omboloka yomumvo (APR) otayi vulu okukala yi thike po 35%. Osha simana okutseyitha kutya omboloka ndjika kayi na okulongithwa mu Namibia, molwashoka omikalo dhokukwata omboloka mu Namibia odha longithwa koBank of Namibia. Oombili dhokukwata omboloka dhoCashNow mu Namibia kadhi shi ngele odhi li ngaa dhi li.
• Omikalo dhokufuta nokutambula ishewe: Mo UAE, omakuliko otaga vulu okufutwa pokati komathimbo go-91 sigo 180 dhihwepo, nokukala taga futwa pafuta lyomalukalokalwa gomwedhi kehe. Kapu na omashinge gokushilipaleka (collateral) taga pula okulongithwa koCashNow mo UAE, nokukala taga yambidhidha omikalo dhopaDigital dha simana. Ngele oCashNow oya longela mu Namibia, otashi vulika yi kale tayi longitha omikalo dhokushilipaleka dhopaDigital, ihe omikalo dhokufuta otadhi ka pumbwa okulandula omhango dhaNamibia.
• Omashimaliwa gokuyana (Fees): Mo UAE, oCashNow ota yi kwata oshimaliwa shokuyana shi thike po AED 150 (ngaashi N$750) shoka shi li oshimaliwa shokuyana sha simana. Kapu na omalaka gombinga yomashimaliwa gokufuta ngele owa lelalela, ihe ngele oCashNow oya li tayi longo mu Namibia, otashi vulika yi kale yi na omashimaliwa gookulelalela.

Oshikonga shokuningila ekuliko nomayele gaashikukuta

Oshikonga shokuningila ekuliko kuCashNow, ngaashi sha longithwa mo UAE, osha kwatelwa komikalo dhopaDigital dhohangwana yapeembele (mobile app). Okampani ndjika oya landula omikalo dhopaDigital dhomakwatafano okuza kokupulakena ekuliko sigo okufuta ishewe.

• Omikalo dhokulombwela: Mo UAE, oshikonga shokulombwela ekuliko osha kwatelwa kohangwana yapeembele (iOS na Android) ashike. Ohangwana ndjika oya pewa omauwanawa omanene koGoogle Play Store, nokukala yi na okutalika ko 4.7-star rating komakonaakono ge vulithe poomilliona dhimwe. Ngele oCashNow oya hala okulongela mu Namibia, otashi ka pumbwa okulongitha ohangwana ndjika yapeembele, ndjoka tayi ka pumbwa okulongithwa komikalo dhopaNamibia.
• OKYC (Know Your Customer) nokushangitha: Oshikonga shokushilipaleka omuntu (KYC) mo UAE osha kwatelwa koEmirates ID nosho okutalika omuntu pashilipaleka lyopaDigital. Omukalo nguka ogwa longitha o-AI (Artificial Intelligence) okukonakona nokushilipaleka aantu. Ngele oCashNow oya li tayi longo mu Namibia, otayi ka pumbwa okulongitha okakwatafano kokaNamibia (Namibian ID) nokushilipaleka omuntu kombinga yomikalo dhaNamibia, ndhoka dhi li pambelewa koBank of Namibia.
• Okutalika oshipindi (Credit Scoring) nokushilipaleka: CashNow ota yi longitha o-AI okukonakona oshipindi shomuntu, nokukala tashi longitha omikalo dhopaDigital dhokukonakona omuntu okukala tashi kwatha okuninga omatokolo goshaalu. Omikalo ngaka otadhi vulu okukala tashi kwatha okukala tashi longitha omikalo dhopaDigital dhokulongitha omakwatafano gopaDigital.
• Omikalo dhokuyana oshimaliwa: Mo UAE, oshimaliwa shokulombwela ekuliko osha longithwa koombanga dhoka dha pewa omupya wongeshefa mo UAE, nosho wo nokulongitha omikalo dhopaDigital dhokuyana oshimaliwa (ngaashi Botim wallet). Ngele oCashNow oya li tayi longo mu Namibia, otashi vulika yi kale tayi longitha oombanga dhaNamibia nosho omikalo dhopaDigital dhokuyana oshimaliwa (ngaashi omikalo dhopaDigital dhokulonga oshimaliwa).

Omhango yongeshefa, omupya wongeshefa nosho ehala lyongeshefa mu Namibia

Oshikondo shoka osha simana okutala nawa kombinga yokashilipaleka kombinga yokampani yoCashNow mu Namibia. Omikalo dhopaumbangi otadhi holola kutya oCashNow kaku na omupya wongeshefa ngoka gwa pewa koBank of Namibia. Molwashoka okampani ndjika kayi na omupya wongeshefa mu Namibia, otashi ti kutya kayi li pambelewa nokukala tayi landula omhango dhoNamibia.

• Omupya wongeshefa: CashNow ota yi longo pambelewa mo UAE, noku na omupya wongeshefa okuza koCentral Bank yo UAE. Osha simana okutseyitha kutya omupya wongeshefa nguka kayi na okulongithwa mu Namibia, molwashoka omhango dhoNamibia odha yooloka.
• Okutalika komhango: Molwashoka CashNow ota yi longo mo UAE, ota yi landula omhango dho UAE, ndhoka dhi li pambelewa koQuantix Technologies LLC. Ngele oCashNow oya hala okulongela mu Namibia, otayi ka pumbwa okushangithwa pambelewa, nokumona omupya wongeshefa okuza koBank of Namibia, nokulandula omhango dhoshilongo shoka.
• Ehala lyongeshefa nomashikondo: Mo UAE, CashNow oyi li okampani yimwe yomevi yomakuliko gopaDigital, nokukala yi li pethimbo lyomakuliko gopaDigital ngaashi Tabby na Tamara. Oya pewa omauwanawa omanene koGoogle Play Store, nokukala yi li pethimbo lyomakuliko gopaDigital. Ihe, kaku na ehala lyongeshefa nenge omakonaakono gombinga yokashikondo kaCashNow mu Namibia, molwashoka okampani ndjika kayi na omalaka taga ulike kutya oyi li pambelewa moshilongo shoka. Ngele osha li tashi longo mu Namibia, otashi vulika shi kale tashi kwatha okulongitha omikalo dhopaDigital dhokulongitha omakuliko gopaDigital, nokukala tashi landula omhango dhoNamibia.

Omayele gaashikukuta taa dhimbulukwa omashila gokushilipaleka

Ngele owa hala okulongitha omakuliko gopaDigital, osha simana okudimbulula kutya owa pumbwa okutalika nawa kombinga yokashilipaleka nokukala tawa tala nawa ngele okampani ndjoka oya shangwa ngaa pambelewa. Molwashoka CashNow ina shangwa pambelewa nenge ina pewa omupya wongeshefa mu Namibia, omayele ngaka otaga ka kwathela aakwanepangelo okukala tawa tala nawa ngele tawa longitha omakuliko gopaDigital.

• Shilipaleka omupya wongeshefa: Pauvitho lyaNamibia, okampani kehe ndjoka tayi yambidhidha omakuliko otayi pumbwa okukala yi na omupya wongeshefa okuza koBank of Namibia. Dhimbulukwa okutalika ngele okampani ndjoka oyi li pambelewa koBank of Namibia nenge koPACRA. Ngele okampani inayi pewa omupya wongeshefa, inoo hala okulongitha omayambidhidho gayo.
• Lesha nawa omauvaneko nomikalo dhokulonga: Ngele owa hala okulongitha ekuliko, lesha nawa omauvaneko nomikalo dhokulonga, ngaashi omboloka yoshimaliwa shokufuta, omashimaliwa gokuyana, nomikalo dhokufuta ishewe. Ndhindhilika nawa ngele owa hala okulongitha omakuliko gopaDigital, nokukala tawa tala nawa ngele owa hala okulongitha omakuliko gopaDigital.
• Ndjoo to kambadhala okutalika nokuhokana: Ngele owa hala okulongitha ekuliko, ndjoo to kambadhala okutalika nokuhokana ngele omauvaneko ngoka oge li ngaa gosili. Dhimbulukwa okutalika ngele okampani ndjoka oya shangwa ngaa pambelewa nenge oya pewa omupya wongeshefa.
• Kala to konakona omikalo dhokulongela dhoCashNow: Ngele CashNow oya hala okulongela mu Namibia, omikalo dhokulongela dhoCashNow otadhi ka pumbwa okukonakonwa nawa, ngaashi omikalo dhokulongela dhoCashNow mo UAE. Dhimbulukwa okutalika ngele omikalo dhokulongela dhoCashNow odha longithwa ngaa nawa.
• Ewiliko lyomaliko: Okulonga oCashNow okwa pumbwa okushilipaleka kutya omaliko gawo otaga landula omikalo dhopaDigital, ngaashi omikalo dhopaDigital dhokulongitha omakuliko gopaDigital. Dhimbulukwa okutalika ngele omaliko gawo otaga landula omikalo dhopaDigital.

Sho ngashingeyi kaku na uumbangi tashi ulike kutya okampani yoCashNow ota yi longo pambelewa nenge oya shangwa mu Namibia, osha simana okukala to tale nawa ngele tawa longitha omakuliko gopaDigital. Okakonaakono hoka otaka holola kutya okampani yoCashNow ota yi longo ashike mo UAE nokukala yi li pambelewa molwashoka oya pewa omupya wongeshefa okuza koCentral Bank yo UAE. Ngele owa hala okulongitha omakuliko gopaDigital, dhimbulukwa okutalika nawa kombinga yokashilipaleka nokukala tawa tala nawa ngele owa hala okulongitha omakuliko gopaDigital.