MTC

Okuyelele kwOshikondo shEhangano lyaMTC Maris naNamibia

MTC Maris, ondjokonona yaMTC Namibia, oya holola uunake wu pekapeka womayakulo gookukuli dhodigitala moNamibia. Ehangano lyaMTC Namibia, ndyoka lya nyolwa pamuvalo omolwa Mobile Telecommunications Limited, nuuyalulo wo 95/23456 mompangu onene ya Windhoek, olyo ehangano lyaNamibia Post and Telecommunications Holdings (NPTH) ndyoka lya kwathelwa koohapu dhiihokwelo dhihwepo dho 100% kwaakalimo yUuyuni. Mo 2006, oohapu dho 34% dhoohapu dhaMTC odha landithilwe kEhangano lyaPortugal Telecom, omanga oohapu dho 66% dhimwe dhi li mokati koshikondo shaNPTH.

MTC oya totwa mo 1995 nokuhinga okandjala okandjandja koombinga dhoombinga dhoondjokonona dhosimoni moNamibia. Okweeta kwomayakulo gaMTC Maris okwa holola ondjokonona ontsa, mbyoka yi li ehangano lyiifuta yodigitala ndyoka lya yalulilwe kOmpango yOombaanka yaNamibia mu Novemba 2023. Elalakano lyaMTC Maris olyo okukwathela mboka haya landitha iinima iishona moondingoli, mboka haya mono iiyemo iishona, naakalimo yomikunda mboka ye na oosimoni dhaMTC dhi li dhi na onkalo yi li hwepo, noombiloha dhaMaris dhi li dhi na okutotwa. Elalakano olikulu olyo okuninga oongeshefa dhoshimaliwa dhi kale dhi li hwepo kwaakulimo oya Namibia, unene mboka ihaaya longitha oopate dhoombanka nenge haye dhi longitha pwaashona.

Omuleli omukulu gwaMTC Maris oye Kayembe Ilunga, omanga Melvin Angula e li CEO gwaLetshego Micro Financial Services Namibia (LMFSN), omukwatheli gwaMTC Maris momayakulo gookukuli. Tim Ekandjo oye Chief Brand, Marketing, Communications & Sustainability Officer gwaMTC. Oonakulela mbaka oye na oonkondo dhomiikalo okukwathela MTC Maris yi kale yi na omukalo gwawo gwi ihwapo mokukwathela aakalimo yomoNamibia.

Omikuli nOmayakulo gaMTC Maris, Oongeshefa nOmilandu

MTC Maris oya longitha omukalo gwawo gwokukwathela mboka ye na oosimoni dhaMTC dhi li dhi na onkalo yi li hwepo, taya longitha okukuli ko Taamba Maris Instant Loan. Okukuli oku okwa longithwa okukongelwa pokulongitha USSD code *140*682#, ndyoka tali vulu okulongithwa komupanguli kehe e na osimoni yaMTC yi na onkalo yi li hwepo.

• Omikuli dhOongunga: Oongunga dhokukuli dha Taamba Maris odhi li pokati kooN$100 nooN$1,500. Ndhika odhi li oongunga dhi li dhi shona, ndhoka dha pangelwa unene ooshoondo dhomalelo, nenge mboka ye na omayakulo goongunga dha ngunga.
• Oondunda dhOmakwatho (Tenors): Aapanguli otaya vulu okuhwapo omukuli gwawo muule wo ethimbo lyoohetemba (7) dhomasiku, omulongo nagane (14) dhomasiku, nenge omilongo ndatu (30) dhomasiku. Oondunda dhokufula odhi li dhi shona, dha pangelwa okukwathela aapanguli opo ya fule omukuli gwawo mbala opo ya vulu okuhwapo ishewe.
• Oongeshefa dhOmayakulo (Interest Rates):
  • Dhomalelo goosiku 7: 14% (ondjambi yimwe owala).
  • Dhomalelo goosiku 14: 18% (ondjambi yimwe owala).
  • Dhomalelo goosiku 30: 22% (ondjambi yimwe owala).

  Oongeshefa ndhika odhi li dhi vule dhopaombele dhoombanga dhilwe, noAPR (Annual Percentage Rate) yaho ohayi vulu okukala yi li pombanda noonkondo. Pashiholelwa, okukuli koosiku 7 ku na oongeshefa dho 14% ohaku geyeleka ku APR yodho 1,120%, omanga okukuli koosiku 30 ku na oongeshefa dho 22% ohaku geyeleka ku APR yodho 264%. Okwiishulula kookukuli dhi na oongeshefa dhi li pombanda ndhika okwa simana unene opo wu kale wi iyelaalele oongeshefa dhaSimoni. Oongeshefa ndhika odho odhoka oondjambi dhi li dhimwe owala dha pulwa komukuli.

• Oondjambi dhimwe: Kape na oondjambi dhimwe dhokuhwapo omukuli nenge dhokugandja omukuli. Ondjambi yokafe kaSimoni okuli oongeshefa dha Simoni dhili dhimwe owala.
• Epandeko (Collateral): MTC Maris ihe mu pula epandeko lyoshimaliwa. Okukala we na okukuli ohaku talululwa okulongitha osimoni yoye yaMTC nawa nokulongitha omboloha yoye yaMaris.
• Omukalo gwOkufuula (Repayment Structure): Omukuli ogu na okufuulwa owala oshawe shike shoka shoosiku dha futelwa, noku na okukala okukuli kwomboloha yoye yaMaris. Omakwatho gomafuto ga Simoni ohaga ka kala gakala ga pulwa owala mboloha yoye yaMaris momasiku gafutelwa. Okwiilonga kwiishulula omalelo ga Simoni kwa simana opo wu inyengele oongeshefa dhoopampungulu.
• Omakwatho ga Simoni (Late Payments): Omakwatho ga Simoni ohaga kala ga pulwa oondjambi dhimwe, ndhoka inadhi hololwa pashigwana, ihe osha simana okukala woho we shi wo.

Omukalo gwOkukongela Omukuli nOmauvaneko

Okukongela okukuli kwaMTC Maris okwa ningwa okulongitha omukalo gwaSimoni, gwa ningwa gwa kwata oompedhi nawa opo wu kale weendeka nokukala wiihandjako nokwaakulimo aashona yoshimaliwa.

Omikalo dhOkukongela:

• USSD Interface: Omukalo omukulu gwokukongela okukuli oku okulongitha USSD code *140*682#. Omukalo nguka ohagu pitika aapanguli ya vulu okuninga omayakulo goombinga dhoshimaliwa nawa noongunga dha Simoni, nando oya kwathela okahooli kokupulula nokukongela iinima yimwe owala. Kape na app ontsa yaSimoni ya pangelwa okukongela omikuli; omayakulo ngaka okwa kwathelwa owala moomboloha dhaMaris okulongitha USSD.

Omauvaneko gwaSimoni gwa Simoni nOkunyinga mo:

• Automated KYC: Okukala we na okukuli ohaku pulwa okulongitha omayakulo gaSimoni, ndyoka tali vulu okutalululwa okulongitha omayakulo gaSimoni (oku nyolwa kwe SIM) nokuya mo momboloha yoye yaMaris. Okwa kwathelwa kOmpango yOongeshefa dhOonmoney (Financial Intelligence Act) yo 2012.
• Omauvaneko gwaSimoni: Aapanguli oye na okukala aakalimo yomoNamibia, ye na omido dhomulongo naghetatu (18) nokuya pombanda sigo omido dhomilongo hamano (60). Oye na okukala ye na osimoni yaMTC yi na onkalo yi li hwepo, ndjoka ya kala yi na onkalo yi li hwepo kuule wo ethimbo lya Simoni lyo omwedhi ndatu nokuya pombanda.
• Credit Scoring: Okukala we na okukuli ohaku talululwa okulongitha omayakulo gaCredit Info, ndyoka tali vulu okutalululwa okulongitha omayakulo ga Simoni ge li hwepo nokuya mo momboloha yoye yaMaris.

Okutalulula nOkuyandja Oshimaliwa:

• Fully Digital Processing: Omukalo nguka ogwa ningwa gwaSimoni owala, nokwa kwathela owala okuhwapo omikuli dhongunga dha Simoni momukalo gwongunga ndjoka tayi vulu okukala yi na okuhwapo momukalo gwoku ya mo momukuli gwa Simoni.
• Instant Disbursement: Oshimaliwa ohashi tulwa owala momboloha yoye yaMTC Maris momukalo gwongunga. Okukutha oshimaliwa (cash-out) okwaSimoni ohe shi vulu okuningwa okulongitha ooshoondo dhaMTC nenge aakulili. Nando ongawo, okukutha oshimaliwa okwaSimoni ihaku pamelwe opo ku kwathelwe okulongitha omayakulo godigitala.

Okukwathela nOkwiikwathela:

• Automated Wallet Debit: Momukalo gwongunga, oshimaliwa ohashi tulwa owala momboloha yoye yaMaris momasiku gafutelwa.
• SMS Reminders and Wallet Lock-out: Omitumwa dho SMS ohadhi tumwa okukwathela aapanguli ya kale ye shi wo omafuto gawo. Omboloha ohayi vulu okukala yi ihangela uuna omukuli inagu futwa.

Omayakulo gwaApp yOsimoni nEmoniko lyOompango dhaMTC Maris

Nando MTC Maris inee ya holola app ontsa ya pangelwa okukongela omikuli, MTC oye na app yawo yokuikwathela, MyMTC Namibia, ndjoka ya pangelwa okulongitha oosimoni. MyMTC Namibia ohayi vulu okulongithwa koo Android na iOS (oku na okukala ye na iOS 13.4 nokuya pombanda). Ohayi vulu okulongithwa okutalulula omayakulo goosimoni, okukongela oombundle dho data, noku konakona ooshoondo dhaMTC. Omishangwa dhaakalimo dha MyMTC Namibia dhi li ko Play Store odhi li 3.8★ kooreview dho 315, dhili dhi li dha hala okukala dhi li hwepo. Nando ongawo, omayakulo gookukuli okwaSimoni ohagu longithwa owala okulongitha USSD.

Emoniko lyOompango nOmayalulo gOmpango:

• E-money License: MTC Maris oya pewa omayalulo gomayalulo geemoney kOmpango yOombaanka yaNamibia mu Novemba 2023. Elalakano lyayalulo nguka olyo okukala ye na omayakulo goombinga dhoshimaliwa dhi li hwepo noondjambi dhi li hwepo.
• Namfisa Fintech Sandbox: MTC Maris ohayi longitha pamwe nomayakulo ga Namfisa Fintech Sandbox, ndyoka tali vulu okukala ye na omayakulo goombinga dhoshimaliwa dhi li hwepo noondjambi dhi li hwepo.
• Lending Partner Regulation: Omukwatheli gwaMTC Maris momayakulo gookukuli, Letshego Micro Financial Services Namibia (LMFSN), oye na omayalulo kOmpango yOombaanka yaNamibia.
• Consumer Protection: Oongeshefa dhokukuli ohadhi vulu okukala dhi li hwepo kOmpango yOombaanka yaNamibia. Okukala we na okukuli ohaku talululwa okulongitha omayakulo gaSimoni, ndyoka tali vulu okutalululwa okulongitha omayakulo ga Simoni ge li hwepo nokuya mo momboloha yoye yaMaris. Okwa kwathelwa kOmpango yOongeshefa dhOonmoney (Financial Intelligence Act) yo 2012.

Oonkondo dheluwa nAakondjithi:

• First Entrant: MTC Maris oye ondjokonona yokulala okukuli kwongunga okulongitha USSD.
• Aakondjithi: Ohayi kondjithilwa kooM-Paisa (NamPost), oombanga dhoFNB naStandard Bank, nomayakulo goombanga dhaSimoni.
• Okupanda: MTC Maris ohayi vulu okukala ye na omayakulo goombinga dhoshimaliwa dhi li hwepo noondjambi dhi li hwepo. Okukala ye na omayakulo goombinga dhoshimaliwa dhi li hwepo noondjambi dhi li hwepo.

Omashongo gwaahe kwaapanguli yomikuli dhaMTC Maris

Okukongela omukuli, unene gwoongunga, okwa pumbwa okutalululwa nawa. MTC Maris oye etelele omayakulo gaSimoni gaSimoni, ihe okwa pumbwa okukala wu na omalondodho gamwe opo wu inyengilwe. Ngaka oomashongo gamwe gwaahe kwaapanguli yomikuli dhaMTC Maris:

• Talulula Okupumbwa Kwoye: Ino pula okukuli omolwa okulila ethimbo. Pula owala okukuli uuna wa pumbwa oshimaliwa shongunga shokukwathela ooshoondo dhomalelo, nenge uuna wa pumbwa oshimaliwa shongunga shokukwathela iinima yimwe owala. Pula owala oshimaliwa sha Simoni shoka wa pumbwa, inoo pula oshimaliwa shi vule shoka wa pumbwa.
• Yelela Oongeshefa dhi Li Pombanda: Oongeshefa dhokukuli dhaMTC Maris odhi li dhi vule dhopaombele dhoombanga dhilwe, unene oongeshefa dho APR. Kala we shi wo kutya oongeshefa ndhika odhi li dhi vule dhopaombele dhoombanga dhilwe, noku na okukala wu na omukalo gwa Simoni gwokufuula omukuli gwoye momukalo gwongunga.
• Pangela Omukalo gwOkufuula Omukuli: Osha simana okukala wu na omukalo gwokufuula omukuli gwoye momukalo gwongunga. Kala we na oshimaliwa momboloha yoye yaMaris momasiku gafutelwa. Okwiilonga kwiishulula omalelo ga Simoni kwa simana opo wu inyengele oongeshefa dhoopampungulu.
• Longitha Oshimaliwa shoka Wu pula Nawa: Okukuli oku okwa pangelwa okukwathela ooshoondo dhomalelo, nenge okukwathela iinima yimwe owala. Ino longitha okukuli oku okukwathela iinima yimwe yongunga, nenge okukwathela iinima yimwe yongunga.
• Kala we shi wo Oondjambi dhOopampungulu: Nando oondjambi dhOopampungulu inadhi hololwa pashigwana, osha simana okukala we shi wo kutya omakwatho ga Simoni ohaga kala ga pulwa oondjambi dhimwe. Okwiilonga kwiishulula omalelo ga Simoni kwa simana opo wu inyengele oondjambi dhoopampungulu.
• Talulula Omikalo dhimwe dhokukwathela Oshimaliwa: Opo ku na omikalo dhimwe dhokukwathela oshimaliwa moNamibia, ngaashi oombanga dhimwe, nenge ooshoondo dhomalelo dhimwe. Talulula omikalo ndhika opo wu kale we na omukalo gwa Simoni gwokukwathela oshimaliwa shoye.

MTC Maris oya etelele omayakulo gaSimoni gaSimoni moNamibia, ihe okwa pumbwa okukala wu na omalondodho gamwe opo wu inyengilwe. Omukalo nguka ogwa Simoni gwa kwathela okahooli kokupulula nokukongela iinima yimwe owala.