Ni ikigo Jali Finance yaguze mu buryo bwo gukomeza kwaguka ariko muri gahunda yo kuba igicumbi cya serivisi z'imari zitangirwa ku ikoranabuhanga ibizwi nka 'FinTech'.
Ni mu buryo bwo kugira ngo abagana iki kigo babone serivisi zihuse ariko n'ikigo kibe cyakunguka kuko ibyo umukozi yakoraga ku munsi byitezwe ko bishobora kwikuba nka gatanu.
Mu kugura Koi Pay, abakozi bayo bari basanzwe barimo n'inzobere mu kubaka porogaramu za mudasobwa na bo bimukiye muri Jali Finance.
Umuyobozi wa Jali Finance, Felix Nkundimana yavuze ko iki kigo ayoboye cyari gifite gahunda yo kuba FinTech, biba ngombwa ko begera ibigo bizobereye muri iryo koranabuhanga, babona Koi Pay yujuje ibyasabwaga hanyuma izo mbuga ziragurwa ibigo biranihuza.
Ati 'Uyu munsi nta Koi Pay izabaho n'abakozi bose barihuza babe ikigo kimwe. Kuri iyi nshuro Koi Pay App izahinduka Jali Pay App. Dushaka ko Jali Finance ihinduka ikigo gitanga serivisi z'imari hifashishijwe ikoranabuhanga, kandi zitangwa vuba zinahujwe.'
Yavuze ko iri koranabuhanga riteye imbere binjiyemo ari ryitezweho umusaruro ukomeye haha ku bakiliya ndetse no ku kigo ubwacyo.
Akenshi usanga ibigo by'imari byifashisha uburyo bw'impapuro cyane, ibindi bikaba bifite imyenda mito cyane izwi nka 'consumer loan' yagoranaga kwishyurwa mu buryo busanzwe.
Nkundimana yavuze ko ikoranabuhanga batangije rizabikemura uko byakabaye.
Ati 'Ku mukiliya serivisi zizaboneka byihuse kandi ku buryo buhujwe, azibonere icyarimwe n'ikigo cyunguke kurushaho ndetse twaguke.'
Nkundimana yavuze ko 'niba umukozi wacu yakoreraga abakiliya 100, uyu munsi hiyongeyemo iri koranabuhanga yakorera nka 500.'
Ubusanzwe byose ni umukozi wabikoraga, ha handi ashobora kunanirwa akibenshya, iri koranabuhanga rikazafasha no gukosora ayo makosa ndetse umukiliya akabona serivisi igihe ashakiye.
Ati 'Uretse kubona serivisi vuba, abakiliya hari ibyo bazajya bikorera muri bwa buryo bwo kugabanya ingendo abaturage bakora bajya gushaka serivisi.'
Umuyobozi Mukuru wa Koi Pay, Frank Mugisha yavuze ko abantu bari basanzwe bafashwa n'iki kigo ayoboye badakwiriye kugira impungenge kuko Koi Pay igiye mu kigo gikomeye ndetse gisanzwe kimenyereye isoko.
Ati 'Serivisi twatangaga zisa neza n'izo Jali Finance yatangaga ariko yo ikabikora mu buryo busanzwe butifashisha ikoranabuhanga kandi bafite izindi tudakora. Uwatuganaga ari mu nyungu kuko agiye kubona izisumbuye. Ni akarusho, bumve ko ntacyahindutse.'
Mugisha yavuze ko nyuma y'imyaka itatu batangiye Koi Pay, bashoye mu kubaka imbuga zikomeye cyane zafashaga ibigo kwihutisha imitangire ya serivisi zayo akavuga ko nta kabuza 'Jali Finance igiye kwihuta mu iterambere ku buryo butangaje.'
Kugeza ubu Jali Finance imaze gufasha abantu bagera ku 5000 kubona moto ku nguzanyo, imibare yatumbagiye mu myaka ya vuba. Hari intego ko 2024 izarangira hafashijwe abarenga 2500 kubona moto, 'nko mu Ukuboza uyu mwaka tukazaba tubarura 7500.'
Yavuze ko izi serivisi batanga zakunzwe cyane kuko abatwaye moto kugeza kuri 97% bishyura neza nta kibazo ndetse abenshi bamaze kurangiza kwishyura.
Iki kigo kirategaganya kwagukira mu gutanga izindi serivisi bidatinze, nko gutanga inguzanyo z'imodoka, inguzanyo zisanzwe ku nyungu nto, gufasha mu guhuza abashaka lisansi n'abayicuruza n'ibindi.
Jali Finance kandi iteganya ko bidatinze, izagukira no mu bindi bihugu, Nkundimana akavuga ko " muri uyu mwaka duteganya gukorera mu gihugu tuzababwira, rya koranabuhanga rikazagiramo uruhare runini."
Amafoto: Dukundane Ildebrand
