NamPost Financial Brokers (PostFin)

Omusholondondo gwa gwanathana nomilandu dhoshimbulula shaPostFin moNamibia

PostFin, ngoka oshipala shoka sha dhimbululwa shika omomashina gokulongela guushitwe ngoka ga li ga thika konima yethimbo lyelelo lyaNamibia, osha holoka ongomupateli omunene gwomayambidhidho gomaliko gokondjigilila. Oshikondo shika, shoka shili shokulihumbata oshimaliwa shosheshi shosho shaNamibia Post Limited (NamPost), osha totwa mo-2010 nelalakano lyokuyambidhidha aantu yaNamibia okumona omayambidhidho gomaliko ga kola, unene mboka kaaya longelwa nawa koombaanga dhopamuthigululwakalo, unene tuu mboka yokomikunda.

Elalakano lyaPostFin oli li monkalo yokukwathela aantu ya longelwe koshimaliwa (financial inclusion). Osha longitha oondjila dhoshikondo shaaNamPost dho-650 dhomayambidhidho, okukwathela nokumona omakongo kombinga yokuungaunga niimaliwa yawo. Aantu mboka ye na elalakano lyokulongelwa koshikondo shika oya kwatela mo aalongi yepangelo naakalakuli, aantu ye na iimaliwa iishona okuya pokati, aakuthimana yokomikunda, naakongo mboka ye na iiakaundi yaNamPost SmartCard. Omakonakono gamwe oga holola kutya PostFin oshi na okukala omukuluntu gwomayambidhidho gomaliko, unene tuu mokukwathela aantu mboka kaaya longelwa nawa koombaanga.

Ongeyi, PostFin oha longela pamilandu dhokuyandja omikuli pwaana uupyakadhi, shoka sha holola kutya oshi na okukwathwa koombanga dhomayambidhidho dhoilongo ngaashi KfW Development Bank na French Development Agency (AFD), ndhoka dha yandja oshimaliwa shokulongitha sha thika N$641 yoomiliyona. Shika osha holola kutya omikalo dhomalongelo gaPostFin odha manguluka nomukalo gwokukwathela aantu mboka kaaya longelwa nawa owa kola.

Omayambidhidho gomaliko nomikuli dhaPostFin

PostFin oha yandja omikuli dhilwe ndhoka dha pamba iilonga yopaumwene niipindi. Omukalo gwawo ogwa unganekwa nawa nelalakano lyokukwathela omakongo mokumona oshimaliwa shoka tashi ya kwathele.

• Omikuli dhopawumwene (Personal Loans): Omikuli dhika odha pambela aantu taya kambadhala okumona oshimaliwa shokulongitha pauwumwene, okulongakanitha iikuli, nenge okukwathela uupyakadhi wokondjigilila. Omikuli dhika dha tameka kuN$750 okuya kuN$300,000. Othimbo yokwiifuta otayi vulu okukala okuza koomwedhi 12 okuya koomwedhi 60.
• Omikuli dhiipindi (Business Loans): PostFin oha yandja wo omikuli dhiipindi, unene tuu kombinga yaamboka ye na iipindi iishona. Omukalo gwokukumbira omikuli dhika ogwa longakanithwa nawa opo omakongo ga vulu okumona omayambidhidho pwaana uupyakadhi wokuhanganitha omikanda dhindji. Omayambidhidho ngaka oge holoka pounamuthimbo komashina goNamPost.
• Okulongakanitha iikuli (Debt Consolidation Services): Omukalo gwaPostFin gwokulongakanitha iikuli ogwa kwatela mo okukwathela omakongo okulongakanitha iikuli yawo yi li ohindji moshikuli shimwe shokwiifuta. Shika osha etitha omukalo gwokuungaunga niikuli ngoka gwa nawa, nogwa kwathela omakongo ogandji okwiishuna mo muupyakadhi wokwiifuta.

Oshigwana shi na okukala niikuli (Eligibility Criteria): Opo u mone omukuli kwaPostFin, owa pumbwa okukala wa longelwa mpoka aluhe uule womwedhi 12, nenge u kale omulongi gwepangelo gwempoka aluhe. Aakalakuli ye na iiakaundi yaNamPost SmartCard uule womwedhi 12, aakalakuli yomafuta gomakulukadhi (Old Age pensioners) ye na omwedhi 3 gwiifuta yopondjigilila, aakalakuli yomafuta guulema (Disability Grant receivers) ye na omwedhi 6 gwiifuta, aakalakuli yomafuta gaGIPF ye na omwedhi 6 gwiifuta, naakwiita yomafuta (War Veterans) ye na omwedhi 12 gwiifuta, oya gwana wo okukumbira omikuli.

Omikanda dhiiyimbiwa (Required Documentation): Omikanda ndhoka dhi na okuyelelwa odha kwatela mo omukanda gwoshigwana gwaagwawa, omukanda gwomiti (Medical Aid card nenge health passport), omikanda dhombaanga dhoomwedhi hamano dha tiimpelwa, omukanda gwiifuta gwonyama gwopokathi, omukanda gwombili (ngele owa hombola/ombwapa), omukanda gwopamuthigululwakalo (ngele owa hombola pwaana omikalo dhomukalo gwokukala pamwe), omukanda gwomafuta (kwamboka taya mono omakwatho gepangelo), nosho wo iiakaundi yaNamPost SmartCard.

Oondjambi, iipindi, nomikalo dhokukumbira omikuli

PostFin oha longela pamilandu dhokuyandja omikuli pwaana uupyakadhi noudhigu, nomayambidhidho ga kola ge na oondjambi dhi li nawa. Oondjambi dhika odha pamba oshiyemo shomuntu, omukalo gwokwiifuta, nomilandu dhilwe dhokukwathela. Nando ongawo, omayele ga gwanathana kombinga yooindjambi ihaga hololwa pounamuthimbo, shoka tashi pula okuhungika oshikondo shika pwaana uupyakadhi.

Oshikondo shika osha holola kutya oshi na oondjambi dhi li nawa momakete, nodhi na wo zero admin charges (kapena iifuta yokuungaunga) kombinga yomayambidhidho gamwe. Nando kapena omayele ga gwanathana kombinga yiiyandja yokutameka nokuungaunga, PostFin oha landula omilandu dhondjigilila dhokuyandja omikuli omishona.

Omikalo dhokukumbira omikuli (Application Channels): PostFin oha yandja omikalo dhilwe dhokukumbira omikuli, opo omakongo ga mone omayambidhidho pwaana uupyakadhi:

• Okukumbira kounamuthimbo (Online Applications): Ngele owa hala okukumbira omukuli pwaana uupyakadhi, oto vulu okukumbira kounamuthimbo komweelo gwawo gwokombuutere, www.postfin.com.na.
• Komuntu mwene (In-Person): Oto vulu okutalela po kehe shimwe shomoosheleshe dhaNamPost dho-140 dhi li moNamibia opo u kumbu omukuli komuntu mwene.
• Aakwatheli yiipindi yongodhi (Mobile Business Promoters): PostFin oha longitha aakwatheli yiipindi yongodhi mboka haya longo pounamuthimbo opo ya yambidhidhe omakongo.
• Ongodhi (Phone): Oto vulu okuhungika kOongodhi 061 308 724/5.
• SMS (SMS Info Line): Oto vulu okutumina SMS kOongodhi 22007 opo u mone omayele.

Omukalo gwokulongela nokuyandja (Processing & Disbursement): Okukumbira kwa gwanathana konyala kwiihaka po okuza komalanga gatatu okuya komalanga gatano gokulongela. PostFin oha konakona nawa omikanda adhihe dha yelelwa opo a gwanithe po okukala niikuli ya kola. Oshimaliwa ohashi tumwa kounamuthimbo kiiakaundi yaNamPost SmartCard nenge koombaanga dhomakongo.

Ondjigilila nomalandulathano, olutenda momakete nokuya komeho

PostFin oha longela pamilandu dhondjigilila dha NAMFISA (Namibia Financial Institutions Supervisory Authority) ye na omupata gwokulongela ngoka gwa pitikwa. Ongeyi, oha kala a konakonwa koNAMFISA nomukalo gwokuholola omayele goondjigilila dhiimaliwa dha PostFin. Shika osha kwatela mo okutumina omikanda dhoondjigilila, omilandu dhoshimaliwa shokulongitha, okukwathela omakongo, nokulandula omilandu dhokukaleka po oshimaliwa shoshili (Anti-money laundering - AML) na Know Your Customer (KYC) protocols.

Kombinga yokukwathela omakongo, PostFin oha yandja omilandu dhokukumbira kwomakemo kounamuthimbo. Ngele omakemo inaga gwanithwa po, omakongo otaya vulu okukumbira koNAMFISA. Okukala kwoNAMFISA okukonakona osha holola kutya PostFin oha landula omilandu dha kola dhokukwathela omakongo.

Olutenda lwaPostFin momakete nokuulika kwe

PostFin oha kala omukwatheli omunene gwomikuli omishona, unene tuu mboka kaaya longelwa nawa koombaanga dhomuthigululwakalo. Okulongitha kwe koondjila dhaNamPost okuza ko-650 kwoyi etelele olutenda lwa kola momakete gomaliko gaNamibia. Omafuta gokukala oha kwatela mo omakwatho gepangelo kombinga yoshikondo shaaNamPost, okudhimbuwa kwoshikondo, nokulongela pamilandu dhokukwathela aantu yomakongo.

Aakolongi aakuluntu moNamibia oya kwatela mo Letshego Micro Financial Services (ngoka e li omukuluntu gwomakete), Bank Windhoek, FNB Namibia, Standard Bank Namibia, na Nedbank Namibia. Nando ongawo, PostFin oha holoka ongomupateli gwomukalo gwokukwathela aantu ye na iimaliwa iishona, unene tuu aalongi yepangelo naakalakuli, mboka kaaya longelwa nawa koombaanga dhopamuthigululwakalo.

Omikalo dhiimaliwa nokuya komeho

PostFin okwa holola omikalo dhiimaliwa dha kola, nomukalo gwokuyandja omikuli ngoka gwa thika N$618 yoomiliyona. Mo-2022, PostFin okwa mono epuko lyokwiithumbula oshimaliwa shaaN$24.8 yoomiliyona, shoka sha li sha kola noonkondo. Omikuli dha yandjwa odha londa okuza ko-11,185 mo-2021 okuya ko-12,868 mo-2022, shoka sha holola okukola kwomikuli dhi li opresenda 15.

Oshikondo shika oshi na olutenda lwa kola momakete, nomikalo dhomapangelo ga kola dhokukwathela aantu yomakongo. Nelalakano lyokukala omukwatheli omunene, PostFin ota ka kala omukuluntu gwokukwathela aantu yomakongo, unene tuu mboka yokomikunda, nomikalo dhondjigilila.

Omauvaneko gomalongitho gwokakwetu koshikonga shongodhi nomayele komakongo

PostFin oha yandja okakwetu koshikonga shongodhi, shoka sha longwa nelalakano lyokukwathela omakongo okukala ye na okuningila komayambidhidho gawo pwaana uupyakadhi. Okakwetu haka haku ithanwa MyNamPost Banking okwa li ka monika koonamuthimbo ko-iOS App Store na Google Play. Okakwetu haka oha yandja omayambidhidho ngaashi okuningila ko-akaundi, okutumina iimaliwa, okwiifuta, nokuungaunga nomakongo. Nando okakwetu haka oka holoka poshivana, oka holola okulongithwa kwiishona okuza kounamuthimbo.

Omayele gomalongitho komakongo:

Ngele owa hala okukumbira omukuli kwaPostFin, osha simana okukala wa gwanithwa po omilandu adhihe dhiiyimbiwa. Opo u kaleke po okulongela kwa kola, owa pumbwa okukala wa yelelwa nawa nokukala wa gwanitha po omikanda adhihe dha pumbwa okuyelelwa. Osha simana okukala u shi kutya oondjambi dhika odha pamba oshiyemo shoye, omukalo gwokwiifuta, nomilandu dhilwe dhokukwathela.

Opo u kaleke po okulongela kwa kola, owa pumbwa okukala u shi kutya oto vulu okwiifuta omukuli ngoka wa kumbira. Osha simana okukala u shi kutya PostFin oha longela pamilandu dhokukwathela omakongo, shoka sha holola kutya oha kala a konakonwa koNAMFISA. Ngele owa hala okukumbira omukuli, owa pumbwa okukala wa longitha omukalo gwokukumbira ngoka gwa nawa komukongo, nokuungaunga nawa nomikanda dhiiyimbiwa.

Opo u kaleke po okulongela kwa kola, owa pumbwa okukala wa landula omilandu adhihe dhokukwathela omakongo, unene tuu kombinga yomalongelo gopondjigilila. Ngele owa hala okukumbira omukuli, owa pumbwa okukala wa longitha omukalo gwokukumbira ngoka gwa nawa komukongo, nokuungaunga nawa nomikanda dhiiyimbiwa.

Osha simana okukala u shi kutya PostFin oha kala omukwatheli omunene gwomikuli omishona, unene tuu mboka kaaya longelwa nawa koombaanga dhomuthigululwakalo. Ngele owa hala okukumbira omukuli, owa pumbwa okukala wa longitha omukalo gwokukumbira ngoka gwa nawa komukongo, nokuungaunga nawa nomikanda dhiiyimbiwa.

Omikalo dhokwiifuta (Payment Options): Opo u iifute omukuli ngoka wa kumbira, oto vulu okulongitha omukalo gwokutumina oshimaliwa kOombaanga dhombaanga yaPostFin Windhoek (8011 9140 48) nenge ko-akaundi yaNamPost (9225 1620 0988). Oto vulu wo okwiifuta oshimaliwa komakwetu ghoNamPost. Osha simana okukala wa longitha omukanda gwoshigwana gwopaumwene nenge omukanda gwomukuli ongomukalo gwokwiifuta.

Ekonkelo lyopaulumbo kombinga yaPostFin

PostFin oha kala omukwatheli omunene gwomikuli omishona moNamibia, nomikuli dha yandjwa dha thika ko-12,000, nomukalo gwomikuli ngoka gwa thika kuN$618 yoomiliyona. Omikalo dhiimaliwa dha kola, nedhimano lyomalongelo ga kola, osha holola kutya PostFin oha kala omukuluntu gwomakete gomaliko moNamibia. Osha holola kutya oha kala omukwatheli omunene gwomikuli omishona, unene tuu mboka kaaya longelwa nawa koombaanga dhomuthigululwakalo.

Nombinga yomayambidhidho ga kola okuza koombanga dhomayambidhidho dhoilongo, nomukalo gwokulongela gwoshikondo shaaNamPost, PostFin oha kala omukwatheli omunene gwomikuli omishona moNamibia. Elalakano lyoshikondo shika okukwathela aantu ye na iimaliwa iishona, unene tuu mboka yokomikunda, nomikalo dhondjigilila dha kola, osha holola kutya PostFin oha kala omukuluntu gwomakete gomaliko moNamibia. Okukala kwoNAMFISA okukonakona osha holola kutya PostFin oha landula omilandu dha kola dhokukwathela omakongo.

Omikalo dhomapangelo ga kola, elalakano lyokukwathela aantu yomakongo, omikalo dhiimaliwa dha kola, omafuta gokukwathela okuza koombanga dhomayambidhidho dhoilongo, nomilandu dhondjigilila dha kola, osha holola kutya PostFin oha kala omukuluntu gwomakete gomaliko moNamibia. PostFin oha kala omukuluntu gwomakete gomaliko moNamibia, nomikalo dhondjigilila dha kola.