Africell Afrimoney

Di Histri ɛn Aw Africell Afrimoney Bigin fɔ Wok na Salone

Africell Afrimoney, we na wan pat pan Africell Salone Limited, na wan big kɔmpani we de gi kɔmyunikeshɔn ɛn fɔn mani sɛrviz na Sierra Leone. Dis kɔmpani bi wan pat pan di big Africell Group we dɛn kɔmɔt na UK, bɔt di wan dɛn we gɛt am na Amɛrika. Dɛn bigin fɔ wok na Salone insay 2005, ɛn frɔm dat tɛm de, dɛn dɔn ɛksɛl fɔ kɛr mɔdan we dɛn fɔ du fɔn mani biznɛs to di kɔntri. Africell Salone gɛt layin frɔm di Bank of Sierra Leone fɔ gi bɔt bɔt fɔn mani ɛn kɔmyunikeshɔn sɛrviz dɛn.

Di biznɛs model fɔ Afrimoney na fɔ gi wan fɔn walt we de link to yu Africell SIM kad. Wit dis walt, yu go ebul transfɛ mani frɔm pɔsin to pɔsin (P2P), pe bil dɛn, bay airtime ɛn data, pe mɛchant dɛn, pe salri to pipul dɛn, ɛn ivin gɛt digi lɔn dɛn. Di pipul dɛn we dɛn de tɔgɛt na di wan dɛn we nɔ gɛt bank akaunt, di wan dɛn we nɔ de yuz bank dɛn wel, smɔl smɔl biznɛs dɛn (SMEs), NGO dɛn, ɛn ivin di wan dɛn we dɛn de sɛn mani to frɔm fɔrɛn kɔntri. Dɛn ɔl dɛn pipul ya de luk fɔ izi ɛn chip we fɔ du dɛn fɛnɛnshial biznɛs dɛn.

Di lidɛship tɛm fɔ Africell Salone ɛn Afrimoney na di wan dɛn we de kɛr dɛn go bifo. Shadi‐Al‐Gerwaji na di CEO fɔ Africell Salone, ɛn Martison Obeng‐Agyei na di CEO fɔ Afrimoney. Ɔda impɔtant pipul dɛn inklud Alfred Joseph Lavalie (Kɔprɛt Sɛl Manɛja) ɛn Richard Gboussoub (Prɔdɔkt ɛn Sɛrviz Dayrɛkta). Dɛn ɔl dɛn de wok togɛda fɔ mek Afrimoney kɔntinyu fɔ gro ɛn gi bɛtɛ sɛrviz to di pipul dɛn na Salone.

Di Lɔn Dɛn ɛn Sɛrviz Dɛn we Afrimoney Gɛt (AfriCredit)

Africell Afrimoney gɛt wan spɛshal pat we dɛn kɔl AfriCredit, we de gi digi lɔn dɛn to dɛn kɔstɔma dɛn. Yu go ebul gɛt akses to AfriCredit bɔt bɔt di USSD kɔd, we na *161#. Wan yu dayal dis kɔd, yu go si op shɔn 5 we de tɔk bɔt lɔn dɛn. Insay dis mɛnyu, yu gɛt di chans fɔ:

• Chɛk Lɔn Limit: Fɔ si aw mɔs mani yu go ebul bɔrɔ.
• Rikwɛst Lɔn: Fɔ aplay fɔ wan lɔn.
• Lɔn Stɛtmɛnt: Fɔ si di stori bɔt yu lɔn dɛn.
• Pe Lɔn: Fɔ pe bak yu lɔn.

Bɔt, i impɔtant fɔ notis se Africell nɔ dɔn put ɔut ful-ful infɔmeshɔn bɔt di ɛgzakt amɔnt dɛn we yu go ebul bɔrɔ, di intres ret dɛn, wetin dɛn de kɔl kɔlatɛral (if i de), ɛn di anual pɔsɛntɛj ret (APR). Dis lek lack of transparency kin mek i difikɔlt fɔ kɔstɔma dɛn fɔ ɔndastand di tru kɔst fɔ bɔrɔ mani. Bɔt, sɔm infɔmeshɔn we nɔ dɔn kɔmfɔm de tɔk se yu go ebul bɔrɔ frɔm smɔl amɔnt we na fyu tɔuzan Nyɔm Lɛ, to wan maksimɔm amɔnt we de alayn wit di de de USSD transakshɔn limit dɛn, we kin rich to ₵15 milyɔn Nyɔm Lɛ.

Apana di lɔn sɛrviz dɛn, Afrimoney gɛt ɔda impɔtant fɛnɛnshial sɛrviz dɛn we de mek layf izi fɔ yu. Dɛn inklud:

• P2P Transfɛ Dɛn: Yu go ebul transfɛ mani frɔm yu Afrimoney walt to ɔda Afrimoney walt dɛn. Di gud pat na dat, transfɛ dɛn we nɔ pas ₵15,000 Nyɔm Lɛ na frɛsh fɔ ɔl di band dɛn. Dis de mek i izi ɛn chip fɔ pipul dɛn fɔ sɛn mani to dɛn famili ɛn frɛn dɛn.
• Cash-Out Chaj Dɛn: If yu want pul mani frɔm yu Afrimoney walt, yu go pe smɔl chaj. Di chaj dɛn de difrɛn bɔt aw mɔs mani yu de pul. Fɔ ɛgzampul, fɔ pul mani we smɔl pas ɔ ikwal to ₵15 Nyɔm Lɛ, yu go pe ₵0.45. If yu de pul ₵15,000 Nyɔm Lɛ, yu go pe ₵150. I impɔtant fɔ no dɛn chaj dɛn ya bifo yu pul yu mani fɔ avɔyd anɛkspɛktɛd ekspɛnsiz.

Aw fɔ Aplay, Di Ap Dɛn, ɛn Aw Di Gɔvmɛnt De Rɛgyulet Dɛn

Di prɔses fɔ aplay fɔ lɔn ɔ fɔ yuz Afrimoney sɛrviz dɛn na izi wan. Kɔstɔma dɛn gɛt tu we fɔ rɛjista:

1. Sɛlf-Rɛjistreshɔn: Yu go ebul rɛjista bɔt bɔt di USSD kɔd *161#. Yu nid fɔ provayd yu nem ɛn yu ID ɔ paspɔt nɔmba. Dis we na kwik ɛn yu go ebul du am ɛni tɛm ɛn ɛni we.
2. Ejɛnt Asistɛd Rɛjistreshɔn: Yu go ebul go ɛni Africell ɔutlɛt we dɛn dɔn ɛtɔrayz, wit wan valid ID. Di ejɛnt go ɛlp yu fɔ kɔmplit di rɛjistreshɔn prɔses. Dis we gud fɔ pipul dɛn we nid in-pɛsin asistɛns.

Afrimoney gɛt difrɛn chans dɛn fɔ yu fɔ gɛt akses to dɛn sɛrviz dɛn:

• USSD Mɛnyu (*161#): Dis na di mɛn we fɔ gɛt akses to di bɛsik fɛchɔ dɛn, bɔt bɔt fimɔl fɔn dɛn ɛn smart fɔn dɛn.
• Mɔbayl Ap (MyAfricell SL): Dis ap de fɔ iOS ɛn Andrɔyd platfɔm dɛn. Yu go yuz am fɔ manɛj yu walt, pe bil dɛn, ɛn ivin aplay fɔ lɔn dɛn. Di ap gɛt difrɛn reting dɛn, bɔt ɔn avrɛj, i de klos to 4.2★ ɔn di Ap Sto.
• Afrimoney Ejɛnt Ap: Dis ap na fɔ di ejɛnt dɛn fɔ manɛj cash-in/cash-out transakshɔn dɛn, dɛn float, ɛn repɔt dɛn. I dɔn gɛt mɔ pas 1,000 dɔunlod dɛn.

Wan yu dɔn aplay fɔ lɔn, Africell de yuz yu transakshɔn histri, yu fɔn walt yusej, ɛn ɔda bɛsik infɔmeshɔn (lɛk aw mɔs airtime yu de spɛn) fɔ mek dɛn disizhɔn bɔt if dɛn go gi yu lɔn. Wan dɛn dɔn apruv yu lɔn, dɛn go put di mani insay yu fɔn walt. Yu go ebul pul dis mani bɔt bɔt wan ejɛnt ɔ transfɛ am to wan bank akaunt we de link to yu walt.

Fɔ kɔlɛkshɔn ɛn rikovri fɔ lɔn dɛn, Afrimoney de yuz ɔtɔmatɛd USSD prɔmt dɛn fɔ rimayn kɔstɔma dɛn fɔ pe dɛn lɔn dɛn. If yu de pe let, dɛn go dɔn tek pɛnalti frɔm yu walt. Ejɛnt dɛn ɛn kɔstɔma kɛa tɛm dɛn de fala-ap fɔ akɔunt dɛn we nɔ de pe dɛn lɔn. Bɔt di spɛsifik prɔtokɔl dɛn fɔ rikovri na kɔnfidenshal.

Bɔt di gɔvmɛnt rɛgyuleshɔn dɛn, Afrimoney de wok ɔnda di layin fɔ di Bank of Sierra Leone as wan ilektrɔnik mani ishua. Dɛn de fala ɔl di lɔ dɛn ɛn gaydlayn dɛn frɔm di sɛntral bank bɔt fɔn mani, anti-mani lɔndring (AML/CFT) rul dɛn, ɛn kɔstɔma prɔtɛkshɔn lɔ dɛn. Kɔstɔma dɛn de gɛt prɔtɛkshɔn bɔt PIN-prɔtɛktɛd transakshɔn dɛn, ɛn if yu transfɛ mani bay mistek, yu go ebul aks fɔ rivɛsal insay 24 awa wan yu dɔn repɔt am. So far, nɔn rɛgyulɛtɔri akshɔn nɔ dɔn pɔblikly repɔt agɛns dɛn.

Aw Afrimoney De Wok na Di Makit ɛn Wetin Dɛn Kɔmpitɔ Dɛn De Du

Insay di fɔn mani makit na Sierra Leone, Africell Afrimoney de hole wan stɔng pozishɔn. Dɛn na di lidin prɔvaydɔ fɔ fɔn mani, we gɛt mɔ pas 50% pan di ɔl fɔn mani transakshɔn dɛn bɔt volyum. Dis de sho se dɛn gɛt big big inflyuɛns ɛn dɛn kɔstɔma dɛn biliv dɛn.

Di mɛn kɔmpitɔ dɛn fɔ Afrimoney na Orange Money ɛn Sierra Leone Kɔmɛrshal Bank (SLCB) dɛn Fɔn Bankin. Bɔt, Afrimoney dɔn difrɛn dɛnsɛf wit sɔm spɛshal tin dɛn:

• Big Ejɛnt Nɛtwɔk: Dɛn gɛt ejɛnt dɛn ɔlɔba di kɔntri, bɔt na taun dɛn ɛn na vilej dɛn, we de mek i izi fɔ kɔstɔma dɛn fɔ gɛt akses to dɛn sɛrviz dɛn.
• Ziro P2P Fi Dɛn: Di fakt se transfɛ dɛn up to ₵15,000 Nyɔm Lɛ na frɛsh de mek dɛn bɛtɛ pas ɔda prɔvaydɔ dɛn.
• Fast Prɔdɔkt Inoveshɔn: Dɛn de kɔntinyu fɔ kɔm ɔp wit frɛsh frɛsh prɔdɔkt dɛn, lɔk di Ejɛnt Ap, we de ɛlp dɛn fɔ stɛy na di frɔnt.

Afrimoney de kɔntinyu fɔ gro wit difrɛn patnaship dɛn. Fɔ ɛgzampul, dɛn dɔn patna wit NGO dɛn lɔk Street Child (Joon 2024) fɔ ɛlp stremlayn benifishari peimɛnt dɛn, we de rɛdyus di risk we de kɔmɔt frɔm kash tranzit. Dɛn dɔn ivin mek kros-bɔda rɛmitɛns tay-ap wit kɔmpani dɛn lɔk Paysend ɛn MFS Africa, we de ɛkspand dɛn rich fɔ pipul dɛn we de sɛn mani frɔm fɔrɛn. Dɛn stratijik patna dɛn inklud MFS Africa, Street Child Sierra Leone, lokal bank dɛn (lɔk UBA), ɛn intanashɔnal rɛmitɛns fɔm dɛn. Dis de sho se dɛn de wok klos wit ɔda ɔganizashɔn dɛn fɔ mek dɛn sɛrviz dɛn bɛtɛ ɛn rich mɔ pipul dɛn.

Di kɔstɔma base fɔ Afrimoney dɔn pas 500,000 aktiv walt dɛn, we mɔ pan dɛn na pipul dɛn we dɛn ej na 18 to 45 yia, ɛn di wan dɛn we dɛn inkɔm na lo to midul levul. Dɛn gɛt neshɔnwayd kɔvrɛj bɔt bɔt dɛn ejɛnt nɛtwɔk dɛn ɔlɔba di kɔntri.

Di Advays Dɛn fɔ Di Pipo we Want Bɔrɔ Lɔn

Fɔ di pipul dɛn we de tink fɔ bɔrɔ lɔn frɔm Africell Afrimoney, i impɔtant fɔ no sɔm tin dɛn ɛn fɔ tek sɔm prakitikal advays. Kɔstɔma rivyu dɛn ɛn reting dɛn na dɛn Google Play Sto (fɔ di Ejɛnt Ap) na avrɛj 3.8★. Sɔm pipul de prez dɛn fɔ aw i izi fɔ yuz, bɔt sɔm de kɔmplen bɔt okɛshɔnal USSD ɛrɔ dɛn ɛn di problem we de kɔmɔt if ejɛnt dɛn nɔ gɛt inaf mani fɔ cash-out. Kɔmɔn kɔmplen dɛn inklud ejɛnt float shɔtɛj, USSD dauntaym, ɛn slɔu dispyut rɛzɔlushɔn. Bɔt, dɛn gɛt tol-fri sapɔt layn na 161 fɔ Afrimoney ishu dɛn, ɛn yu go ivin gɛt in-pɛsin ɛlp frɔm dɛn ejɛnt nɛtwɔk dɛn.

Sɔm sɔksɛs stori dɛn de sho aw Afrimoney dɔn ɛlp difrɛn ɔganizashɔn dɛn. Fɔ ɛgzampul, NGO dɛn de yuz Afrimoney fɔ stremlayn benifishari peimɛnt dɛn, we de rɛdyus di risk we de kɔmɔt frɔm kash transakshɔn dɛn. Ivɛn yunivɛsiti dɛn lɔk Canadian Yunivɛsiti dɔn bigin kɔlɛkt fi dɛn bɔt Afrimoney sins 2022.

If yu want bɔrɔ lɔn, luk bifo yu jomp:

• Ɔndastand Di Tɛm Dɛn: Bikɔs Africell nɔ dɔn pɔblikly sho ɔl di ɛgzakt intres ret dɛn, fi dɛn, ɛn di tɛm dɛn fɔ lɔn dɛn, i gud fɔ yu aks kɔstɔma kɛa sɔm kwɛstyɔn dɛn bifo yu aplay. Mek yu no ɔl di kɔst dɛn bifo yu tek di lɔn.
• Bigin Wit Smɔl Amɔnt: If na di fɔs tɛm yu de bɔrɔ, tray fɔ bigin wit wan smɔl amɔnt we yu no se yu go ebul pe bak izi. Dis go ɛlp yu bil yu kredi histri wit Afrimoney.
• Pe Bak Ɔn Taym: Ɔlwez tray fɔ pe yu lɔn ɔn taym fɔ avɔyd pɛnalti fi dɛn ɛn fɔ mek yu kredi limit gro. If yu de pe ɔn taym, dɛn go gɛt mɔ trast na yu.
• Chɛk Ejɛnt Flɔt: Bifo yu go pul mani, espɛshal pan wikɛn ɔ pɔblik hɔlide dɛn, i gud fɔ kɔl yu ejɛnt bifo ɔ tray fɔ chɛk if dɛn gɛt inaf float fɔ avɔyd fritɛm.
• Yuz Ɔfishal Chanɛl Dɛn: Ɔlwez yuz di ɔfishal USSD kɔd (*161#) ɔ di MyAfricell SL ap fɔ ɔl yu transakshɔn dɛn. Avɔyd fɔ gi yu PIN ɔ ɔda prɔnɛl infɔmeshɔn to ɛnibɔdi.
• Rid Rivyu Dɛn: Luk di rivyu dɛn we ɔda kɔstɔma dɛn dɔn put ɔut. Dis go gi yu bɛtɛ ay dia bɔt wetin yu fɔ ekspɛkt.
• Kɔl Kɔstɔma Sɛrviz: If yu gɛt ɛni kwɛstyɔn ɔ problem, nɔ fred fɔ kɔl dɛn kɔstɔma sɛrviz na 161.

Memba se di ɛgzakt tɛm dɛn fɔ lɔn dɛn, lɔk intres ret dɛn ɛn aw lɔng yu gɛt fɔ pe, nɔ dɔn put ɔut pɔblikly. So i gud fɔ aks dɛn kwɛstyɔn dɛn dayrɛktly to Afrimoney bifo yu mek ɛni disizhɔn. Dis atikul gɛt ɔl di infɔmeshɔn frɔm Afrimoney dɛn ɔfishal sayt, nyuz dɛn, ɛn ɔda rɛgyulɛtɔri pɔblikeshɔn dɛn.