Oshizolokoto shOkampani nosho wo Omukalo gwawo moNamibia
Letshego Holdings (Namibia) Limited, oshinima sha hangika nokuhangelwa moNamibia kohi yomusholondondo gwomahangano NA000A2DVV41, okwa hangika wo pomboka yIimaliwa yaNamibia (Namibian Stock Exchange) kohi yedhina LHN. Oshikondo shika oshi na olutalalutala lwomutse lwawo pwaakoka pOvenduka, mondjila yoshimaliwa 18 Schwerinsburg Street. Oshikondo shika osha li sha totwa mo-1997 nokwa li sha dhanitha onkandangala onene mokupungulula oimaliwa moNamibia, nokwa li sha lundulula edhina lye okuza Edu Loan Namibia a ninge Letshego Holdings (Namibia) Limited mo-2008.
Okampani ndjika oyi li kohi yelongitho lyaLetshego Africa Holdings Limited okuza kBotswana, ndjoka yi na oopresenda 79, omanga oopresenda 21 dha hupitha dhi li miikolokosha yaNamibia kaakuthimbinga yomalwafo nomahangano galwe. Omukalo gwawo gwokwiilonga ogu li mokugandja oimaliwa yomangeshefa ogashona, oimaliwa yomakwatho gopaumwene, nomahupilo gopabangi kiigwana yaNamibia inayi gwanithwa nawa, unene tuu aakuthimbinga yepangelo nosho wo aanamangeshefa ogashona. Oya longitha omukalo gwokukuthako oshimaliwa shomuyushoko (salary-backed loans) okuza kiimaliwa yaalongi, nosho wo nokwiilonga miikunungu yawo yi li 17 nosho wo okupitila momakende gopadigital.
Omapekapeko gOimaliwa nosho wo Omikalo dhaLetshego Holdings Ltd
Letshego Namibia ota gandja oombooloto dhopaumwene, oombooloto dhomangungasho gashona, nosho wo omafutilo gopashigongi (overdraft facilities). Oya gandja wo oombooloto dhopamukalo gwehangano lyomalongosho ogashona. Oombooloto dhopaumwene odhi li dhokufedhwa komuyushoko gwomuntu, omanga oombooloto dhomangeshefa ogashona dhili dhi na oompito dhokufedhwa komalwafo gelongitho lyomalwafo gonkatu ompe. Oshimaliwa shokufedhwa sha thika poombooloto dhika osha tamekela kooN$ 500 sigo kooN$ 300,000. Oshi li oshipu noonkondo okukonga omboloto ndjoka ya gwanitha iiyemo yoye nosho wo oompito dhoye dhokufuta.
Ondjambi yomalwafo yopaumwene oyi li pokati koopresenda 18% nosho wo 36% komumvo, omanga dhombooloto dhomangeshefa ogashona dhi li pokati koopresenda 20% nosho wo 30% komumvo. Omafutilo gopashigongi ogendjelele opresenda 24% komumvo. Ompito yokufuta omboloto oyi li pokati kiiviki 6 sigo komwedhi 36, nokomwedhi omulongo nagumwe. Omafutilo otaga vulu okuningwa oshiviki kehe, iiviki iyali kehe, nenge omwedhi kehe okuza komuyushoko gwomuntu nenge okuza komboloto yokobangi. Omakwatho gokugandja omboloto oga thika poopresenda 2% dhoshimaliwa shomboloto, omanga omakwatho gokulonga oga thika kooN$ 150. Ngele omuntu oku li a leleka okufuta, ota futu N$ 200 nenge oopresenda 5% dhoshimaliwa shoka a leleka, shoka sha thinda kombanda. Oombooloto dhedhiwa komuyushoko kooku na okagandhi komalwafo, ihe oombooloto dhomangeshefa ogashona dha thinda kombanda kooN$ 100,000 odhi na okagandhi keemvwelo dhi li kohi yomalwafo.
Omukalo gwokukonga Omboloto, Ompito yOkapulika kOkomakende nosho wo Omikalo dhOkwiilongekidha
Okukonga omboloto kuLetshego oku li oshipu nokwepya. Owa vulu okulongitha okapulika kaLetshego kokongodhi (mobile app) hoka ka li ka totwa ko-iOS (App Store rating: 4.2/5) nosho wo ko-Android (Google Play rating: 4.1/5). Okwa longitha wo iikunungu yawo yi li 17 miitopolwa ayihe yaNamibia, nenge okulongitha omukanda gwawo gwopainternet (online portal) pakuya keeweleketha dhe letshego.com. Okapulika kokongodhi oka kwatela omikalo dhokupendula omboloto, okutala omukalo gwekonko lyoye, omakwatho gopadigital, nosho wo okuyegulila omakwatho gopamukanda.
Iinima mbyoka yeli pauveta yokukonga omboloto oya kwatela: okukala wu na omukanda gwokwiinekelwa gwopadigital okuza kNamRA, uumbangi wiimaliwa yoye nosho wo omukanda gwokobangi (bank statements). Letshego oha longitha omukalo gwawo gwokutalako iimaliwa yomuntu ngoka ta kongo omboloto, okuza komuyushoko gwe, omukalo gwe gwokulongitha oimaliwa yokobangi, nosho wo omakwatho okuza kCRAN (Credit Bureau Association of Namibia). Omapekapeko gombooloto ya thinda pevi kooN$ 50,000 ohaga ningwa okupitila momukalo gwopadigital, omanga oombooloto dhomuunene ohaga talwa kaapangeli. Oshimaliwa shokombooloto ohashi vulu okuyululwa okupitila momukanda gwokobangi, oimaliwa yokongodhi (FNB Mobile Money), nenge okuya nokuyako koshikondo shaLetshego.
Ompito yOshipala shOmalandithilo nosho wo Omukalo gwOmalongekidho gOpaveta
Letshego Namibia ota simana momalandithilo gombooloto moNamibia. Ota longitha ompito yokuninga oshinima sha simana mokati koombooloto dhedhiwa komuyushoko, nomupungululo gwopresenda 30% dhomalandithilo agehe. Okwa yooloka ko koompekonakani dhawo okupitila momukalo gwawo gwokukonga omboloto gopadigital, oikunungu yawo ya kala yi li 17, nosho wo okukala ye na omikalo dhomalwafo gopashigwana. Oompekonakani dhawo odha kwatela Eduloan Namibia (okuza kehangano lyaFNB), BetterLife (okuza kehangano lyaOld Mutual), nosho wo oombooloto dhomangeshefa ogashona dhaAfrican Bank.
Letshego Holdings (Namibia) Limited okwa li a hangelwa kOubanga waNamibia (Bank of Namibia) a ninge oshikondo shomangeshefa ogashona nosho wo oshikondo shokupungulula oimaliwa. Oha longitha kohi yOmukalo gwOumbangi nosho wo Omikalo dhOpambangi (Banks and Other Financial Institutions Act, 2019). Mokati komalongekidho agehe, Letshego okwa li a kalela iiyenditho iinene okuza kOmupungululi gwOumbangi. Oha longitha wo omukalo gwOkukwathela Omakuthimbinga (NAMFISA) gwaNamibia, nokwa li a yela momakwatho agehe nosho wo omakengelo gomakwatho gombooloto. Oha gandja wo omayele gokukwathela mboka ye li megeelo lyomalwafo.
Omayele gOpandunge gOongoli dhOombooloto dhi li Moongunduni
Ngele owa panga okukonga omboloto kuLetshego, osha simana okutala ko nawa iinima yimwe. Okwa simana okukala wu na elongo lyiimaliwa lyopandunge, nosho wo okutala ko nawa kutya owa gwanitha nawa okulonga nokufuta omboloto ndjoka. Osha simana okukala wu na omukalo gwa yela gwokwiilongela iimaliwa yoye, nosho wo okukala wu na omukanda gwokobangi gwopaumwene.
Iinima yimwe yopandunge yokukala wu na uuyelele kombinga yaLetshego:
- Talako Oondjambi dhOmalwafo: Letshego oha longitha oondjambi dhomalwafo dhoka dhi li dhomukalo gwokukalakana (flat rate), ndhoka tadhi vulu okukala dhi li pombanda okuyeleka noombooloto dhoka dhi na omukalo gwokwiishuna pevi (diminishing balance). Elongitho lyomukalo gwokukalakana otali ti kutya ohaku futwa ondajambi kombinga ayihe yombooloto, nonando oshimaliwa shomboloto osha shuna pevi. Osha simana okwiilonga nokutalako kutya omukalo nguka ogu li nawa kungoye.
- Yelulula Omakwatho Agehe: Osha simana okukala wu na uuyelele kombinga yomakwatho gokugandja omboloto (origination fee) nosho wo omakwatho gokulonga. Pula omayele kombinga yomakwatho agehe ndhoka dhi li miikolokosha yombooloto yoye.
- Longitha Okapulika kOkomakende: Okapulika kaLetshego kokongodhi okana omikalo dhokupendula omboloto nokutala omukalo gwayo, longitha omikalo dhika nawa mokukala wu na uuyelele woshipala.
- Futa pOmpito: Omafutilo gomuyushoko oga simana mokukala wu na omukalo gwombooloto gu li nawa. Ngele omukalo nguka ogu li gwa leleka okufuta, owa vulu okukala wu na omukalo gwokugongaleka omalwafo ga thinda kombanda.
- Longitha Nawa Omayele gOshimaliwa: Ngele owa mono kutya owa vulu okufuta omboloto, ongoye owa gwanitha nawa okufuta omboloto ndjoka. Kala wu na omukalo gwopandunge gwokulongela oshimaliwa shoye.
Letshego Namibia ota gandja oompito dhokuninga oshinima sha simana momalongo gopaumwene nosho wo dhomangeshefa ogashona, unene tuu kaakuthimbinga yepangelo. Ngele owa longitha oompito dhawo nawa, owa vulu okukala wu na omukalo gwombooloto gu li nawa nokulongela iimaliwa yoye nawa.
