Konga Microfinance

Oshifokolwa shOmukalo gwoKompani nOndjokonona yayo muNamibia

Konga Microfinance (Pty) Ltd, ngoka a li nale e shiivike onga Kongalend Financial Services, omukomeho gwomagongalo gEegulunga lyOkudhilulula muNamibia. Okwa totwa mo omumvo 2007, nokwa shangwa nokuwilikwa kOshikondo shOshimaliwa shOshilongo shaNamibia (NAMFISA) kohi yOmulandu gwEegulunga lyOkudhilulula, 2018 (Omulandu No. 7 gwomumvo 2018), nokwa pewa oonomola dhokushangwa dhi li 25/11/356. Oshishangalele shokukalulula edhina lye okuza koKongalend okuya koKonga Microfinance osha ningwa muMaalisa 2024, tashi ulike omalalakano gawo gokukankamika egwedhelo lyomayakulo nomalalakano gawo gokuhumitha komeho omayakulo gEegulunga lyOkudhilulula.

Omukalo gweegulunga lyaKonga ogwa kankamena mokuyambidhidha nokuhumitha komeho oongeshefa dhaashona, dhopaakati nodhaashona lela (MSMEs), oshowo omagumbo ngoka kaage na omagongalo guundjolowele woshikando, naanapulanga. Kompani ndjika oyi ikwatelela komayakulo gokuyamatha omatungo gopaungomba gokuhinga onkalamwenyo, omayakulo gopashimaliwa gwaapulanga, oshowo okugandja omayakulo gopashimaliwa koshigwana ngoka sha li inashi gwanithwa po nale. Oonakulanda yawo oyendji (90%) aakiintu yaakulonga ye li yoyene, oshowo aanyasha yaakulonga aashona, unene sho ya longela omagongalo ngoka ge li kohi yompumbwe yopashimaliwa noshikandona.

Konga Microfinance okwa kwatelwa komeho komuleli nomutoti gwe, Aahumuthi Tshoombe Ndadi, okuza momumvo 2007, oshowo kOmukomeho gwOmayakulo gOshimaliwa (CEO), Immanuel Tuvangapi Puleingen. Olweendo lwawo lule momukalo gwEegulunga lyOkudhilulula osha holola epitikilo lyawo lyokugandja omayakulo gopashimaliwa ngoka taga humitha komeho, nokuyambidhidha egwedhelo lyoshimaliwa moshilongo.

Omayakulo gEegulunga nOmishita dhokwiilonga dhaKonga Microfinance

Konga Microfinance okwa gandja omayakulo gEegulunga giifuta giiyakulo ya yooloka, ngoka ga nuninwa okugwanitha po ompumbwe dha yooloka dhaakuthimbindi aashona nokaakuthimbindi muNamibia. Omishita dhawo otadhi ikwatelela mokuyambidhidha iilonga yopashimaliwa, okukondjitha ompumbwe, nokugandja omayakulo gopaungomba gokuhinga onkalamwenyo.

Omishita dhEegulunga

• Eegulunga lyOongundu (Group Power Loan):
  Eegulunga ndika olya nuninwa oongundu dhaakuthimbindi aashona yomomikunda (5-20 iilyo). Omalweendo ngaka otaga gandja iimaliwa okuza poN$1,000 okuya poN$15,000, nomukokotelo gwefuta gwa thika poomwedhi 36. Oku na oonkatu dhetatu dhokugulunga, nomishita tadhi londo pambepo yelongitho lyeegulunga lya tetekele.
• Eegulunga lyOonakulonga aashona nokaashona (SMME Power Loan):
  Olya nuninwa oongeshefa dhaashona, dhopaakati nodhaashona lela. Iimaliwa otayi thika poN$15,000 okuya poN$250,000, nomukokotelo gwokufuta gwa thika poomwedhi 48. Omalweendo ngaka otaga longithwa okukonga iikuni, iilongitho, nuuyengela waashona wokutungitha. Osha simana okudhimana kutya Konga kehe a gandja iimaliwa ngashiingashinga; okweheka olweendo okuya kiipangelo yiikuni.
• Eegulunga lyAantu (People Power Loan):
  Eegulunga ndika olya nuninwa aantu mboka ya li nale aagwilitha yoongundu dhomalweendo. Otayi gandja iimaliwa okuza poN$20,000 okuya poN$50,000, nomukokotelo gwokufuta gwa thika poomwedhi 36, nayi na oonkatu dhetatu dhokugulunga.
• Eegulunga lyAalimi (Lima Power Loan):
  Olya nuninwa aanapulanga aashona. Oku kwathela mokukonga iikuni yopapulanga, iinima mbyoka tayi longithwa momapulanga, oshowo iimaliwa yokulongitha momapulanga.
• Eegulunga lyOongodhi dhUuyuni (Solar Power Loan):
  Olya nuninwa omagumbo noonakulonga mboka kaye na omagongalo guundjolowele woshikando. Oku kwathela mokukonga omagongalo goongodhi dhUuyuni, oompomba dhomeya, oshowo iikuni yopaungomba yokuhinga onkalamwenyo.
• Eegulunga lyOkudhilulula lyOpashikandu (Green Impact Finance):
  Iimaliwa otayi thika poN$35,000 okuya poN$350,000, olya nuninwa oongeshefa dhaashona noonakulonga aashona mboka taya pumbwa iimaliwa yokulongitha moshikando.

Omishita dhOpaushili nOmalongelo

Nando nando omishita dhopaushili dhomalweendo kadhi hololwa pambelewa pambelewa, Konga Microfinance okwa longela kohi yomalombwelo gaNAMFISA ngoka taga tula po oonguluma dhomishita dhopaushili dhomalweendo gaashona. Kompani oya pumbwa:

• Ekwatelo lyOpausili lya Cash (Cash Security Build-up Contribution): Oshiholelwa shoomwedhi 3-8 dhetato lyomalweendo, shoka tashi ikwatelela komukalo gwomalweendo nomukokotelo gwe.
• Ekwatelo lyOpausili:
  • Oshimaliwa shokwiikwatela (otashi vulu okushunithwa sho omalweendo ga futwa lela).
  • Omuhupithi omukwateli gwomalweendo gomuntu oye a pumbwa okwiikwatela.
  • Ekwatelo lyongundu lyomalweendo goongundu.
  • Inaku pumbwa ekwatelo lyopaushili lyopaungomba lyomalweendo ogendji.

Omukalo gwOkulongela, Otungokumwe nEkotampango lyOmulandu

Omukalo gwokulongela gwaKonga Microfinance ogwa kankamena komayakulo gootundi dhomakwatathano gopamutali, nando okwa longitha omayakulo gopakombiyuta kwiikwatela komakwatathano goomalweendo. Osha simana okudhimana kutya Konga kehe e na etumwalaka lyopamuthika lyokulongitha momafo gopamukalo gwokukonga omalweendo.

Omukalo gwOkulongitha omalweendo

Oomalweendo otadhi longelwa koootundi dhawo muWindhoek, Ondangwa, Oshakati, nOshikango. Omukalo gwokulongela omalweendo otagu pula oomvula dha thika poomvula mbali, ngele omayakulo agehe ga gwanithwa po. Oombapila dhoku pumbwa:

• Oshihololo shoshitupulwa shomuNamibia.
• Oombapila dhombaanga/NamPost (oomwedhi 6).
• Oshihololo shoshitupulwa shomuhupithi (omalweendo gomuntu).
• Oombapila dhokukonga iikuni okuza kiipangelo (ngele osha pumbwa).

Onkalo yOmatungo nokulongitha

Okompani oya longa miikandjo ayihe 14 yaNamibia, nokwa gwana aakulanda ye thike po 25,000. Ootundi dhawo ndhoka dha simana odhi li:

• Oshikondo shaWindhoek: Okongendja Haddy & Viljoen Street (Oshikondo Oshinene).
• Oshikondo shaOndangwa: Huhu City Complex, Omulilo No. 49.
• Oshikondo shaOshakati.
• Oshikondo shaOshikango.

Onkalo yOmulandu nOmalombwelo

Konga Microfinance okwa shangwa nokuwilikwa kOshikondo shOshimaliwa shOshilongo shaNamibia (NAMFISA) onga Etungo lyEegulunga lyOkudhilulula kohi yOmulandu gwEegulunga lyOkudhilulula, 2018. Okwa longela kohi yomalombwelo gaNAMFISA gokugamenena aakulanda, okuza komikalo dhokulongela oompango okuya komishita dhiigandha yongonga. NAMFISA otayi vulu okutula po iigandha ya thika poN$500,000 komalombwelo gomikalo dhopaungomba.

Onkalo mOshimaliwa, Oonkwatathani nOmapulo gAakalimo

Konga Microfinance okwa kala e li omukomeho gwomatungo gEegulunga lyOkudhilulula muNamibia, nokwa longitha egumbo lye okuyambidhidha aakwashigwana mboka kaaye na omayakulo gopashimaliwa. Moshilongo shaNamibia, aantu ya thika po 22% kaaye na omayakulo gopashimaliwa, ngaashi sha hololwa momumvo 2017, tashi holola ompumbwe onene yomayakulo gaKonga.

Onkalo mOshimaliwa nOonkwatathani

Konga Microfinance okwa gandja iimaliwa ya thika poN$316 yoomiliyona momalweendo ge thike po 24,603. Momayakulo ngaka, 63% yoshimaliwa (N$138 yoomiliyona) oya yi kaakiintu yaakulonga aashona nokaakiintu mboka ye li ooyene yomomagumbo. Onkalo yomalweendo oya holola:

• Eegulunga lyOongundu: N$90.2 yoomiliyona (41%) - 15,514 aakulanda.
• Eegulunga lyOonakulonga aashona nokaashona: N$70.8 yoomiliyona (32%) - 1,926 aakulanda.

Konga okwa longela pamwe naamanafaale gopashimaliwa guule koshilongo nokoshiilongo. Naamanafaale aasimana oya kwatela po Government Institutions Pension Fund (GIPF), ngoka a li e na elongekidho lyomumvo 10 okuza momumvo 2010, oshowo German Savings Banks Foundation for International Co-operation, ngoka a li e na elongekidho lyomumvo 5 okuza momumvo 2015. Okompani oya longela wo pamwe naFair Planet (German Climate Justice Cooperative) naNational Youth Service (NYS), nokwa shaina elongekidho okuza muMei 2025.

Omapulo gAakalimo nOmakankameno

Konga Microfinance oha longela unene aakiintu yaakulonga ye li yoyene, oshowo aanyasha yaakulonga aashona. Omayakulo gawo oga kankamena mokuyambidhidha omagumbo ngoka kage na omagongalo guundjolowele woshikando (ongodhi dhUuyuni), aanapulanga, oshowo oongeshefa dhaashona. Omukalo gweegulunga lyongundu, ngoka taga longitha okukwathela kwaakulanda omayambidhidho, otaga gwedha ko kekwatathano lyopashigwana nomayakulo gEegulunga lyOkudhilulula. Oshihololo shosikapa shaTuta Nangolo shoka shemu kwathela okutota po oongeshefa dhokutala oongombe, shoka sha li inashi gwanithwa po koobaanga dha simana, osha holola epitikilo lyaKonga lyokuyambidhidha aakwashigwana.

Okukondjitha omukalo gwomafudho gopashimaliwa oku li kwa simana kwaKonga. Okompani oya longitha omukalo gwokulongitha okukwathela kwaakulanda omayambidhidho, oshowo omakwatelo gopausili gomaliho ga cash, okukondjitha omikalo dhomafudho. Omukalo gwokugulunga gwa londa pambepo, ngoka taga gandja iimaliwa yi gwedhwa ko kaanongameleli mboka ya ninga nawa, otaga gwedha ko koshikwamwele shokulongitha oomalweendo pamukalo omwaanawa.

Oompalutho dhOongulunguli dhOpoompito nOmalalakano gOpaakalele

Ngele owa tegelele okukonga omalweendo kuKonga Microfinance, osha simana okukala wu na uuyelele kombinga yomukalo gweegulunga lyawo, omishita, nuunambo. Onge ompalutho yokukala wu wape, tali gandjwa onga omutoolinkundana gwoshimaliwa:

• Longitha omalweendo kwiilonga yopashimaliwa: Konga oha gandja omalweendo gokuyambidhidha iilonga yopashimaliwa, inayi nuninwa okulongithwa koshimaliwa. Dhiladhila nawa kombinga yomalalakano gomalweendo ghoongeshefa dhoye.
• Longuluka oombapila dhoye: Oombapila ngaashi iitupulwa, oombapila dhobaanga/NamPost, oshowo oombapila dhoohupithi, odha pumbwa okukala dhi li dhoopaungomba nokwa gwanithwa po. Shika otashi vulu okugwedha ko koshikwamwele shokulongela omalweendo ghooye.
• Longuluka omishita dhokwiikwatela: Dhiladhila kombinga yoshimaliwa shokwiikwatela shoka shina ompumbwe yoomwedhi 3-8 dhetato lyomalweendo. Shika otashi ka kala osha simana koshikwamwele shokugulunga.
• Dhiladhila omalweendo goongundu: Ngele owa pumbwa ekwathelo lyopashigwana, omalweendo goongundu otaga vulu okukala omukalo omwaanawa, ngoka taga gwedha ko koshikwamwele shokufuta.
• Shinga ootundi dhawo: Ngele owa pumbwa uuyelele wa gwedhwa ko nenge wu na omapulo, shinga ootundi dhaKonga Microfinance ndhoka dhi li muWindhoek, Ondangwa, Oshakati nOshikango.
• Landula omalombwelo gaNAMFISA: Okompani oya longa kohi yomalombwelo gaNAMFISA, tashi holola okukala kwoshiwamwele kombinga yomayakulo gopaushili.
• Dhimana kutya kehe ya gandja iimaliwa ngashiingashinga: Unene tuu koo-SMME Power Loans, Konga okweheka olweendo okuya kiipangelo yiikuni. Longuluka nawa omukalo nguka.

Omalalakano gOpaakalele

Konga Microfinance oku na omalalakano gokukala omukomeho gwomagongalo gEegulunga lyOkudhilulula muNamibia, nokukala e na omakankameno ge li koshigwana shoka shi li kohi yompumbwe yopashimaliwa. Omukalo gwawo omunene ogwa kankamena mokugandja omayakulo gopashimaliwa ngoka taga humitha komeho, ge li gehole aakulanda, nokwa kalelela, nokulongela kohi yomalombwelo goopaungomba gokulongela. Omalalakano gawo gopafuture oga kwatela po okugandja omayakulo goomushita dhaashona, okukonga iimaliwa yiimaliwa, omayakulo giiyakulo, oshowo okugandja omayakulo gopashimaliwa. Oya longuluka wo okuyambidhidha aanapulanga aashona mokuyambidhidha iilonga yopapulanga nokukondjitha omikalo dhopaungomba.