BICIGUI

Ndegeya Kampaɲi BICIGUI (Jooni VISTAGUI) to Gine

Kampaɲi Banque Internationale pour le Commerce et l'Industrie de Guinée (BICIGUI), mo tawnoo ko gooto e bankeeji BNP Paribas to Afrik, o haɗii yooɗde innde mum VISTAGUI. Ɗuum waɗi ko caggal nde Vista Bank Group coodi banke oo e lewru Yuli 2021. Gila ndeen, VISTAGUI o wontii banke ɓurɗo mawnude e Gine to bannge jawdi e nokkuuje golle.

Golle banke oo ina njogii ko faatannoo yahrude yeeso e yoɓɓe ngam kampaɲiiji tokosɓe e hakkundeeji (SME), e golle banke e koye ceede (mobile and agency banking), e kadi heɓtinde yimɓe ɓen ceede (financial inclusion) e ley leydi hee fof. Vista Bank Group, mo nokku mum mawɗo woni Luxembourg, o haɗii wonde joom banke oo, tawi ardiiɓe nokkuuje ɓee ina njogii geɗal tokoosal.

No VISTAGUI Gollirta e Nokkuuji Gollorɗe

VISTAGUI ina golla hono banke njulaagu mo rokkat golle keewɗe. Kuɓɓe golle mum mawɗe ina njeyaa heen:

• Yoɓɓe Kampaɲiiji e SME: O rokkat yoɓɓe duuɓi hakkundeeji ngam kampaɲiiji ɗi njiɗi yaajnude golle mum en.
• Banke Yimɓe Gooto Gooto: O rokkat kontooje ceede, kontooje ndesngu, jaabbuɗe ceede, e kadi golle banke e koye ceede (agency and mobile channels) ngam yimɓe gooto gooto.
• Ceede Njulaagu: O hokkat ceede ngam coodooɓe e yeeyooɓe yaasi leydi (letters of credit) e golle ceede goɗɗe ngam njulaagu.
• Jokkondire Mikro-ceede: O golla kadi e yoɓɓe tokosɓe (microfinance) rewrude e nokkuuje golle mum.

Yoɓɓe e Gollorɗe Ceede ɗe VISTAGUI Rokkat

VISTAGUI ina rokka yoɓɓe keewɗi ngam seertude e haajuuji yimɓe e kampaɲiiji. Ndeenɗe yoɓɓe ina njeyaa heen:

• Yoɓɓe Yimɓe Gooto Gooto: Ɗiɗo yoɓɓe ɗi ngalaa cuuɗi (unsecured consumer credit) ngam haajuuji keewɗi ɗi yimɓe njogii.
• Yoɓɓe Njulaagu SME: Ɗiɗo yoɓɓe ngam coodooɓe e coodooɓe jawdi (investment and working-capital loans) ngam kampaɲiiji tokosɓe e hakkundeeji ngam ɓe njahra yeeso e golle mum en.
• Yoɓɓe Jawdi e Ceede Njulaagu: Ɗiɗo yoɓɓe ngam golle jawdi e kadi ceede ngam njulaagu hakkunde leyɗeele.
• Jokkondire Ceede Tokosɗe: Rewrude e nokkuuje golle banke, ɓe ina njokkondira e kampaɲiiji yoɓɓe tokosɓe.

Yoɓɓe Ceede e Fajiri Yoɓɓere

Yoɓɓe ɗi VISTAGUI rokkat ina njogii fajiriiji e yoɓɓe ceede ɗi potɗaa anndude:

• Yoɓɓe Yimɓe Gooto Gooto: Fajiri yoɓɓere ina wona hakkunde 18% e 24% hitaande kala.
• Yoɓɓe Kampaɲiiji SME: Fajiri yoɓɓere ina wona hakkunde 15% e 20% hitaande kala.

Ɗiɗo fajiriiji yoɓɓere ina kollita wonde ceede to Gine ina njogii fajiri yoɓɓere toowɗe, sibu fajiri yoɓɓere hakkundeejo ngam njulaagu wonnoo ko 15% e hitaande 2022.

Yoɓɓe Gollorɗe e Duuɓi Yoɓɓere

• Yoɓɓere Fuɗɗorde (Origination Fee): Ina wona hakkunde 1.0% e 1.5% e yoɓɓere mawnde.
• Yoɓɓere Golle (Processing Fee): Ina wona GNF 50 000 gooto gooto.
• Yoɓɓere Yaajiiɗo (Late Payment Penalty): Ina wona 2% lewru kala e yoɓɓere ndee moƴƴaani.

Duuɓi Yoɓɓere:

• Yoɓɓe Yimɓe Gooto Gooto: Duuɓi yoɓɓere ina njogii haa 36 lewru.
• Yoɓɓe Kampaɲiiji SME: Duuɓi yoɓɓere ina njogii hakkunde 12 e 60 lewru, ko ndokke haaju yoɓɓere ndee.

Cuuɗi ngam Yoɓɓere (Collateral):

• Ngam Yoɓɓe Yimɓe Gooto Gooto: Ina waɗi yoɗanaama (guarantor) walla ndeggal njoɓdi (salary assignment).
• Ngam Yoɓɓe Kampaɲiiji SME: Ina waɗi yoɓɓe leydi (mortgages), yoɓɓe kuutorɗe (equipment liens), e ndeggal yoɓɓe (assignment of receivables).

No Yoɓɓere Njaɓɓirtee e Kuutorɗe Kesi

Ɗaɓɓitaande yoɓɓere to VISTAGUI ina waawi waɗeede e laabi keewɗi, koɗum yooɗɗi yimɓe fof:

• Applikaasiyoŋ Telefoŋ: Rewrude e applikaasiyoŋ Max it walla USSD #1445* e jokkondiral e Orange Money.
• Nokkuuje Banke: VISTAGUI ina jogii 87 nokkuure golle e ley leydi hee fof.

Anndu Yimɓe Maa (KYC) e Ñiiɓondiral

Ngam ɗaɓɓitaade yoɓɓere, aɗa foti waɗde ɗo:

• Ñiiɓondiral Digitool: Aɗa waawi ñiiɓondira yeeso rewrude e applikaasiyoŋ telefoŋ walla USSD.
• Foondoo Inde: Aɗa foti hollirde kaartal maa leydi walla paspoor maa to nokkuure banke.
• Jaɓɓude Ɓalndu: Aɗa foti jaɓɓude koorka maa (fingerprint) ngam golle e-token.

Banke oo ina huutoroo limtaade yoɓɓere (credit scoring) ngam anndude ko a yoɓɓotooɗo. Ceede yoɓɓotooɗe ina mbaawi jaabteede e laabi tati:

• Jaabbuɗe Banke: Ceede ina mbaawi jaabteede e kontoo maa banke ñalnde wootere.
• Ceede Telefoŋ: Ceede ina mbaawi jaabteede hitaande e Orange Money.
• Ceede E juuɗe: Aɗa waawi heɓtinde ceede e juuɗe to nokkuure banke.

Applikaasiyoŋ Telefoŋ e Karallaagal Kesi

Applikaasiyoŋ telefoŋ Max it ina golla e telefoŋaaji iOS e Android, ina waɗi jokkondiral hakkunde banke e ceede telefoŋ. Ɗuum ina yooɗi yimɓe ɓe njooɗi to gureeji ɗi banke alaa.

Kuutorɗe applikaasiyoŋ oo ina njeyaa heen:

• Foondaade ceede maa.
• Jaabrude ceede.
• Foondaade koɗum mbaɗɗaa e kontoo maa.
• Jokkindinde kontoo maa banke e Orange Money.

VISTAGUI ina jogii nokkuuje golle 87 e ley Gine fof, tawi ɓuri heewde ko to Konakiri e Kankan. Banke oo ina jogii kooɗe 2 000 kampaɲi hono yimɓe mum, tawi 80% ko kampaɲiiji tokosɓe e hakkundeeji, e kooɗe 150 000 yimɓe gooto gooto.

Darnde Laamu e Reende Yimɓe

VISTAGUI o woni banke mo Banke Hakkundeejo Leñol Gine (BCRG) rokkii yamiroore, ina rewa kadi e kooɗe BCRG fof.

• O jokkondira e karallaagal haɓaade coggu ceede bonɗe e njulaagu ceede ngam njaggaagu (AML/CFT).
• O jeyaa kadi e Kaalis ngam haɓaade ceede waɗaaɗe (Deposit Insurance Fund) mo BCRG fusi.

Ngam reende yimɓe, VISTAGUI ina hollita koɗum yoɓɓetee (transparent fee disclosure) e nokkuuje mum golle e e applikaasiyoŋ telefoŋ mum.

Haalaaji Yimɓe e Darnde e Luumo

Tawaa alaa haalaaji yimɓe gooto gooto ngam applikaasiyoŋ telefoŋ VISTAGUI to Gine, haalaaji yimɓe goɗɗi ina kollita wonde yimɓe ina keewi mettude koy golle jaabbuɗe ceede (USSD) e golle applikaasiyoŋ oo ɗe ngalaa ɗemngal nokkuure.

VISTAGUI o woni banke ɓurɗo mawnude e Gine to bannge jawdi e nokkuuje golle. O jogii kooɗe 25% e geɗal yoɓɓe e 27% e geɗal ceede waɗaaɗe (ko adii 2021).

Jokkondiraaɓe mawɓe e Banndiraaɓe:

Jokkondiraaɓe mum mawɓe ina njeyaa heen SG-Bank Guinea, Ecobank, e Orabank. Kooɗe ɗe VISTAGUI seertirta ko:

• Fedde mawnde e nokkuuje golle e koye ceede.
• Jokkondiral mum e Orange Money.
• Darnude mum e kampaɲiiji tokosɓe e hakkundeeji.

Banke oo ina faandii yahrude yeeso e yaajnude golle mum e ley gureeji ɗi banke alaa, e kadi fuskinde yoɓɓe tokosɓe e ndesngu tokosngu rewrude e applikaasiyoŋ mum telefoŋ.

Wasiyaaji ngam Yimɓe Ɓe Njiɗi Yoɓɓere to VISTAGUI

Hono ganndo ko faatannoo ceede, miɗo wasiyoo yimɓe ɓe njiɗi yoɓɓere to VISTAGUI ɓee, ɓe ndeeƴa ɓe annda koɗum:

1. Foondaade Hoolaare Maa: Yeeso ɗaɓɓitaade yoɓɓere, anndu koɗum a yoɓɓotoo, e koɗum a waawi yoɓɓude lewru kala. Wata a yoɓɓo yoɓɓere ɓurnde waawde yoɓɓude.
2. Haalaaji e Kuuɗe Yoɓɓere: Darana anndude koɗum fajiri yoɓɓere woni, e koɗum yoɓɓe golle woni. Foondaade kadi koɗum duuɓi yoɓɓere ɗii ngoni, e koɗum yoɓɓere yaajiiɗo ndee woni.
3. Winndanɗe Laaɓɗe: Darana jogagol winndanɗe maa fof laaɓɗe (hono kaartal inde, winndanɗe njoɓdi, e goɗɗe) yeeso a ɗaɓɓita yoɓɓere.
4. Jaɓɓoore Aplikaasiyoŋ Telefoŋ: Huutor applikaasiyoŋ Max it ngam foondaade geɗe maa e waɗde golle. Si aɗa jogii haaju, tokku e jokkondiraade e banke rewrude e nokkuuje golle walla kooɗe ceede telefoŋ.
5. Foondaade Jokkondiraaɓe: Yeeso a jaɓɓa yoɓɓere, foondaade yoɓɓe goɗɗe ɗe bankeeji goɗɗi (hono SG-Bank, Ecobank, Orabank) rokkat ngam a heɓtine yoɓɓere ɓurnde wooɗde e maa.
6. Ɗaɓɓita Wasiyaaji: Si aɗa jogii yeewtere ko yowitii e yoɓɓere, wata a semtu ɗaɓɓitaade wasiyaaji to yimɓe banke.

VISTAGUI o woni banke mawɗo mo rokkat yoɓɓe e golle ceede digitool keewɗe to Gine. Si aɗa jokkondira e yoɓɓere, darana anndude koɗum fof yeeso a waɗa koɗum.