MiKashBoks

Bɔt MiKashBoks: Udat Dɛn De ɛn Wetin Dɛn De Du Na Salɔn

MiKashBoks na wan kɔmpini we impɔtant insay di we aw finans de wok na Salɔn. Dɛn bin fɔstɛm rejista na Salɔn insay di ia 2017, wit rejistreshɔn nɔmba SL/FINTECH/017. Dɛn na wan prayvet kɔmpini we dɛn ed-ɔfis de na Fritaun. Dɛn bin fɔstɛm tink bɔt di aidiya fɔ dis kɔmpini insay 2016, wen Salɔn bin de put in Nashɔnal Strateji fɔ Finans Inkluzhɔn fɔs. MiKashBoks de chanj di ol Osusu sistɛm (we na grup sev ɛn lon) bay put am pan dijital platfɔm.

Di kɔmpini dɛn ɔna dɛn na di tri pipul dɛn we bigin am. Salton Massally, we na wan ɔf di fɔnda dɛn ɛn di Chif Tɛknɔlɔji Ɔfisa (CTO), gɛt fɔti-fayv pɔsɛnt (45%) ɔf di kɔmpini. Saymɔn Lɛvɛl, we na di CEO, gɛt tɔti-fayv pɔsɛnt (35%). Tu ɔda investɔ dɛn we bin yɛp dɛn fɔs de shɛr di rɛs twɛnti pɔsɛnt (20%) ɔf di kɔmpini. Dɛn kɔmpini de wok fɔ yɛp smɔl fɔma dɛn, makit wumɛn dɛn, ɛn ɔda pipul dɛn we de wok smɔl-smɔl we dɛn nɔ gɛt bank akaunt. Dɛn de yɛp dɛn fɔ sev mani, gɛt lon, ɛn bil dɛn kridit histri bay yuz dɛn mobayl telefɔn ɛn USSD kɔd dɛn.

MiKashBoks de mek mani bay tek smɔl fi dɛn fɔ di lon dɛn we dɛn de gi, ɛn dɛn de tek chans fɔ dɛn tin we yu de du wit dɛn mani. Dɛn bak de mek mani frɔm di difrɛns insay di intɛrɛst ret we dɛn de tek. Di bigman dɛn we de rɔn di kɔmpini na Saymɔn Lɛvɛl (CEO), we de luk afta di kɔmpini biznɛs ɛn aw dɛn go gɛt mani; Salton Massally (CTO), we de rɔn di tɛknɔlɔji sayd; Nafisa Kamara, we na di Ed ɔf Kɔmplayans, we de luk afta gɔvmɛnt rul dɛn; ɛn Jɔn Kɔntɛ, we na di Sɛl Dairɛktɔ fɔ Salɔn, we de wok fɔ mek pipul dɛn no bɔt di kɔmpini ɛn yuz in savis dɛn ɔlsay na di kɔntri.

Dɛn Lon Dɛn ɛn Savis Dɛn We MiKashBoks De Ɔfa

MiKashBoks de ɔfa difrɛn kɔyn ɔf lon dɛn fɔ mit di nid dɛn ɔf in klient dɛn, speshal fɔ dɛn we de wok insay di infɔmal sektɔ. Dɛn gɛt tu men kɔyn ɔf lon:

• Grup Lon Dɛn: Dis na lon dɛn we grup ɔf pipul dɛn de tek togɛda, bɛs pan di mani we dɛn de sev togɛda. Yu go gɛt frɔm Le500,000 (faiv ɔndrɛd tawzin liiɔn) to Le10,000,000 (tɛn milyɔn liiɔn). Di intɛrɛst ret fɔ grup lon dɛn de frɔm wan pɔsɛnt ɛn a haf (1.5%) to tri pɔsɛnt (3%) pɛ wik. Dis min se di totul intɛrɛst ret fɔ wan ia (APR) go bi bɔt sɛvɛnti-et pɔsɛnt (78%) to wan ɔndrɛd ɛn fiti-siks pɔsɛnt (156%). Yu go gɛt fɔ pe dis kɔyn ɔf lon bak insay fɔ to twɛnti-fɔ (4-24) wik.
• Smal Lon Fɔ Pɔsin Wan: Dɛn na pɛsinɛl lon dɛn ɔ smɔl biznɛs lon dɛn we dɛn de gi direk to pɔsin in akaunt we in lonk wit MiKashBoks. Yu go gɛt frɔm Le100,000 (wan ɔndrɛd tawzin liiɔn) to Le2,000,000 (tu milyɔn liiɔn). Di intɛrɛst ret fɔ dis kɔyn ɔf lon de frɔm faiv pɔsɛnt (5%) to tɛn pɔsɛnt (10%) pɛ mont, bɛs pan aw yu kridit histri gud. Dis min se di totul intɛrɛst ret fɔ wan ia (APR) go bi bɔt siks pɔsɛnt (60%) to wan ɔndrɛd ɛn twɛnti pɔsɛnt (120%). Yu go gɛt fɔ pe dis kɔyn ɔf lon bak insay wan to siks (1-6) mont.

Dɛn Fi ɛn Us Kɔndishɔn Dɛn De

MiKashBoks gɛt klin fi strɔkchɔ we yu fɔ no bifo yu tek lon. Dɛn fi dɛn na:

• Bigin Lon Fi (Origination Fee): Tu pɔsɛnt (2%) ɔf di totul lon mani. Dɛn de tek dis fi dɔŋ frɔm di lon mani bifo dɛn gi yu.
• Prɔsɛsin Fi: Wan flat fi ɔf Le5,000 (faiv tawzin liiɔn) fɔ ɛni aplikesɔn.
• Lɛt Pemɛnt Fi: Wan pɔsɛnt (1%) ɔf di mani we yu nɔ pe pɛ wik, if yu nɔ pe di lon pan tɛm.

Fɔ grup lon dɛn, yu nɔ nid fɔ put ɛni tin as gɛranti. Di grup insɛf na dɛn de gɛranti fɔ dɛn wan ɔda. Bɔt fɔ smɔl lon fɔ pɔsin wan, MiKashBoks de luk yu dijital histri, bay yuz yu mobayl mani tranzakshɔn dɛn. Sɔntɛm dɛn go aks yu fɔ wan tɔd-pati pɔsin fɔ gɛranti fɔ yu.

Aw Yu Go Aplai ɛn Yu Gɛt Lon, Dɛn Aplikeshɔn ɛn Tɛknɔlɔji

Di MiKashBoks aplikesɔn prɔsɛs izi ɛn ebul fɔ rich mɔs pipul dɛn, ivin dɛn we nɔ gɛt smatfɔn. Yu go ebul aplai bay yuz:

• Di Andrɔyd Ap (App): Di MiKashBoks ap de pan Gugul Play Stor, ɛn in gɛt fɔ pɔynt ɔf faiv (4.0) stɔr reting wit pas tɛn tawzin (10,000+) dɔwnlod. Di ap gɛt fɔchɔ dɛn fɔ manij grup dɛn, awtɔmatik notifikeshɔn dɛn, ɛn dijital walɛt intigreshɔn. Dɛn de se iOS ap go kam bak.
• USSD: Fɔ dɛn we nɔ gɛt smatfɔn, yu go yuz di kɔd *352# fɔ aplai ɛn manij yu lon dɛn. Dis USSD savis de mek se ivin dɛn we de rɔral eria dɛn we intanɛt nɔ strong go ebul yuz MiKashBoks savis dɛn.

Wen yu de aplai, MiKashBoks de nid yu fɔ gi dɛn infɔmeshɔn fɔ no yu klient (KYC) ɛn fɔ pruv se yu nɔ de was mani (AML). Dis de invɔlv yu fɔ uplod gɔvmɛnt ID, biomɛtrik kɔpcha bay dɛn ejɛnt dɛn, ɛn mobayl nɔmba vɛrifikeshɔn. Dɛn de yuz dɛn yon spɛshal sistɛm fɔ skɔ kridit we de luk grup pɔfɔmans, aw yu de pe bak, ɛn ɔda tranzakshɔn histri dɛn. Dɛn de yuz data frɔm mobayl mani ɛn ɔda plas dɛn fɔ dis.

Wen yu lon dɛn apruv, dɛn de gi yu di mani bay difrɛn we dɛn:

• Mobayl Mani: Bay yuz Afrikɛl Mɔmɔ (Africell MoMo) ɛn Orinj Mani (Orange Money).
• Bank Transfa: To Ikobank Salɔn (Ecobank Sierra Leone) akaunt dɛn, as dɛn de wok togɛda.
• Kash: Yu go gɛt kash frɔm MiKashBoks ejɛnt dɛn na Fritaun ɛn ɔda distrik dɛn.

Fɔ kɔlɛkt lon dɛn, MiKashBoks gɛt awtɔmatik rimaynda dɛn bay SMS ɛn ap. Fɔ grup lon dɛn, di grup insɛf de yɛp fɔ kɔlɛkt. If pɔsin mis tu pemɛnt, dɛn in-aus tim de fɔ go mit dɛn pipul dɛn we nɔ pe.

Gɔvmɛnt Rul Dɛn, Laisɛns, ɛn Aw Dɛn De Wok Insay Di Makit

MiKashBoks na wan kɔmpini we de wok insay di gɔvmɛnt rul dɛn fɔ finans. Dɛn gɛt laisɛns frɔm di Bank ɔf Salɔn. Dɛn bin fɔstɛm de wok anda di 2018 Regulitɔri Sandbox, bɔt insay Disɛmba 2023, dɛn bin gɛt ful Dijital Finans Savis (DFS) laisɛns. Dɛn de kɔmplay wit di nashɔnal pemɛnt sistɛm akt, mobayl mani gaydlayn dɛn, ɛn ejɛnt bankin reguleshɔn dɛn. Di Bank ɔf Salɔn de ɔdit dɛn rɛgyula. MiKashBoks de tray fɔ mek sho se dɛn de protekt dɛn klient dɛn, bay mek sho se dɛn infɔmeshɔn klin, dɛn de trit ɔlman fia, ɛn dɛn de kip klient data saylɛnt. If yu gɛt ɛni kɔmplen, dɛn de tray fɔ ansa yu insay faiv biznɛs dez.

Insay di makit, MiKashBoks de ol bɔt twɛnti pɔsɛnt (20%) ɔf di dijital grup sev makit. Dɛn big kɔmpitɔ dɛn na Afrimɔni (we gɛt osusu ejɛnt dɛn), Paga, ɛn ɔda lokal bank dɛn we gɛt mobayl savis dɛn. MiKashBoks difrɛn frɔm ɔda kɔmpini dɛn bikɔs dɛn de fɔkɔs pan soshɔl grup dɛn, dɛn gɛt USSD we de wok ivin if yu nɔ gɛt intanɛt, ɛn dɛn de yɛp pipul dɛn fɔ bil dɛn fɔmal kridit histri. Dɛn de gro kwik kwik wan, ɛn dɛn bin jɔs patna wit Ikobank Salɔn insay Oktoba 2024 fɔ gi big big sev prɔdɔkt dɛn. Dɛn gɛt bak wan yunisɛf/Yuropian Yunion grant insay 2025 fɔ mek fɔma grup dɛn insay rɔral eria dɛn de yuz dijital tɛknɔlɔji. Dɛn plan fɔ bigin wok na Laybiria ɛn Bɔkina Faso bay 2026.

Klient Dɛn Pɔyn Bɔt Dɛn, Aw Dɛn De Yuz Di Ap, ɛn Advays Fɔ Dɛn We Go Tek Lon

Klient dɛn we dɛn aks bin tɔk se di MiKashBoks ap gud bikɔs i izi fɔ yuz, speshal di grup fɔchɔ dɛn, ɛn di notifikeshɔn dɛn de wok gud. Bɔt sɔm kɔmplen dɛn bin de bɔt di USSD savis we sɔntɛm i slo, ɛn di klient savis we sɔntɛm i de tek tɛm fɔ ansa. MiKashBoks gɛt chat savis insay di ap ɛn wan 24/7 ɛlplayn. Dɛn de ansa kɔmplen dɛn bɔt twɛlv (12) awa. Dɛn gɛt sɔm gud stori dɛn tu, lɛk wan grup ɔf rayz fɔma dɛn na Kambia we dɛn bin ebul fɔ gro dɛn kɔlɛktiv sev mani bay fɔti pɔsɛnt (40%) insay siks mont, we bin yɛp dɛn fɔ bay drayɛ dɛn ɛn mek mɔ mani afta dɛn gɛt dɛn krop.

Fɔ dɛn we tink fɔ tek lon frɔm MiKashBoks, i impɔtant fɔ no dɛn tin dɛn ya:

• Undastand Di Intɛrɛst Ret Dɛn: Di intɛrɛst ret dɛn fɔ MiKashBoks, speshal di APR, go apia ay kɔmpe tu ɔda kɔntri dɛn. Bɔt fɔ dijital maykrɔfinans na Salɔn, dɛn ret dɛn de wit di makit. Mek sho yu undastand aw dɛn de kalkyulet di intɛrɛst bifo yu tek lon.
• Pe Pan Tɛm: Fɔ avɔyd lɛt pemɛnt fi dɛn ɛn fɔ bil yu kridit histri, ɔltɛm pe yu lon pan tɛm. Dis go yɛp yu fɔ gɛt bɛtɛ lon dɛn insay di fyuchɔ.
• Yuz Di Ap Ɔ USSD: Familiarayz yusɛf wit di ap ɔ di USSD intɛrfes fɔ manij yu lon dɛn ɛn pemɛnt dɛn. Dɛn de gi notifikeshɔn dɛn we de yɛp yu fɔ memba.
• Klɛr Fɔ Wɛl Bifo Yu Sayn: Bifɔ yu tek lon, aks ɔl dɛn kwɛstyɔn dɛn we yu gɛt bɔt di lon, di fi dɛn, ɛn di kɔndishɔn dɛn. Mek sho yu klɛr fɔ wɛl bɔt ɔl tin bifo yu kɔmit.
• Di Impɔtans ɔf Grup: If yu de tek grup lon, mek sho yu grup strong ɛn ɔlman insay di grup de tek dɛn rispɔnsibiliti siriɔs wan. Di grup de gɛranti fɔ di lon.

MiKashBoks de prɔfayl wan impɔtant savis fɔ dɛn we nɔ gɛt fɔmal finans na Salɔn, bay mek di Osusu sistɛm mɔ sayntifik ɛn ivin. Bay undastand di savis dɛn ɛn aw dɛn de wok, pɔtɛnshial bɔrɔwa dɛn go ebul mek gud disishɔn dɛn ɛn bɛnɛfit frɔm di dijital finans wia we MiKashBoks de ɔfa.