MicroCred

Ko Baobab Group Wonata (ko adii Microcred) e Ko Gollirta

Baobab Group, ko adii anndiraa Microcred, ko dental mawngal anndiraangal e nder golle jawdi pamare e jawdi numereere. Ngal fuɗɗii ko e hitaande 2005 to Pari, Farayse, e anniya yo yimɓe heewɓe keɓtina fawaare jawdi, haa teeŋti yimɓe ɓe bankeeji aadaaji njoppaani e dental gollirɗe pamare e hakkundeeje. Baobab ina jogii njuɓɓudi mum e nder leyɗeele Afrik jeeɗiɗi – ko wayi no Burkina Faso, Kamerun, Kodduwaar, Kongo (RDC), Madagaska, Mali, Niiseria, Senegaal – e kadi e nder Siin. Goɗɗe e yimɓe jogiiɓe jawdi e nder Baobab Group ko wayi no AXA, APIS Growth 2 Ltd, Abler Nordic, European Investment Bank, e Gojo & Company.

Ko nafata anndeede e Gine: Haa jooni, Baobab Group (walla Microcred), alaa jawdi mum walla golle mum teertuɗe e nder leydi Gine. Ko annduɗen ko faati e njuɓɓudi mum e kuuje mum ko ko faati e golle mum e nder leyɗeele ɗe o gollirta. Kono, anndude ko o wonata ina wallita en e faamde no dental kuugal jawdi numereere mawngal waawi gollude, kadi ina wallita en e miijo no yimɓe Gine poti yi'ireede fawaare jawdi e nder leydi maɓɓe.

Kuuje e Fawaare Jawdi ɗe Baobab Group Hawrata (e nder leyɗeele ɗe o gollirta)

Hay so tawii Baobab alaa e Gine, ina heewi kuuje e fawaare jawdi ɗe o hawata e nder leyɗeele ɗe o gollirta. Ko ɗeeɗoo kuuje ina mbaawi wonde janngirde ngam Guineen en ɓe ngidɗi fawaare jawdi numereere:

Jawdi ngam Dental Gollirɗe Pamare

• Ceede: Ko wayi no EUR 100 haa EUR 1,000 (walla USD 108 haa USD 1,080). Ɗeeɗoo ceede ina mbaawi waylude e dow ceede leydi ndii.
• Waktu Joɓdi: Fulawaaji (3 haa 12 lebbi).
• Koppi (APR): Ina waawi wonde 25% haa 40% e hitaande, ina wayloo e dow leydi ndii.
• Njoɓdi goɗɗi: Njoɓdi fuɗɗorde (1-3%), njoɓdi raɓɓude joɓdi (2% e lebbi kala).
• Jommbaare (Collateral): Ina waawi wonde jommbaare dental walla jawdi ɗaɗɗirnde.

Jawdi ngam Dental Gollirɗe Pamare e Hakkundeeje (SME)

• Ceede: Ko wayi no EUR 1,000 haa EUR 300,000 (walla USD 1,080 haa USD 324,000).
• Waktu Joɓdi: Haa lebbi 60.
• Koppi (APR): Ina waawi wonde 15% haa 25% e hitaande.
• Njoɓdi goɗɗi: Njoɓdi fuɗɗorde (1-2%), njoɓdi njuɓɓudi (0.5%), njoɓdi raɓɓude joɓdi (2% e lebbi kala).
• Jommbaare (Collateral): Ina waawi wonde golle jawdi, kuuje, walla toɓɓere jawdi.

Jawdi Numereere Pamare (Nano-Loans) e Fawaare Goɗɗe

• Jawdi Numereere Pamare: Ɗeeɗoo jawdi ina mbaawi ɗaɓɓeede e nder app mobil Baobab, tawi ina mbaawi heɓeede law haa EUR 100. Ngalɗoo ko kuugal numereewal haa teeŋti.
• Kuuje Moolo e Transakteeji: Ina hawri e moolooji ngam suuɗaade jawdi (so alaa koppi walla koppi pamare) e kadi kuuje e nder e-wallets mobil e laawol aasiyanjo.

Ko ɗeeɗoo kuuje ina kollita no fawaare jawdi numereere waawi waasude, e kadi koppi e njoɓdi ɗe mbaawi wonde. Haa teeŋti, Baobab ina wallita yimɓe e dental gollirɗe pamare, ɓe bankeeji aadaaji njoppaani.

No Ɗaɓɓirte, Teknoloji, e Ñiiɓgol Laamu (e nder leyɗeele ɗe Baobab gollirta)

Njuɓɓudi Ɗaɓɓudi Jawdi

E nder leyɗeele ɗe Baobab gollirta, njuɓɓudi ɗaɓɓudi jawdi ina teeŋtina e laabi numereere. Yimɓe ɓe ngidɗi ɗaɓɓude jawdi ina njaɓɓetee:

• Ko haajaa: Kartal anndiraangal, seedantaagal nokku hoɗorde, e binnditagol dental gollirɗe (so SME).
• Biometrik: E nder leyɗeele goɗɗe, ina ɗaɓɓee biometrik ngam anndinde neɗɗo.
• Hiisa Jawdi: Baobab ina huutora hiisaaji numereere ngam hiisude no neɗɗo walla dental gollirɗe waawirta yoɓude jawdi mum, tawi ina ƴeewta golle jawdi e yarlitaare yimɓe.

App Mobil e Hoolaare Numereere

Baobab ina jogii app mobil (ngam iOS e Android) e nder leyɗeele ɗe o gollirta. Ngalɗoo app ina heɓi 4.2 e dow yimɓe heewɓe. Kuuje app ina hawri e:

• Ɗaɓɓudi jawdi.
• E-wallet ngam suuɗaade e huutoraade jawdi.
• Ɗaɗɗugol jawdi maa.
• Jawdi numereere pamare (nano-loans).

Hoolaare numereere e nder golle Baobab ina teeŋti, kadi ina wallita yimɓe e dental gollirɗe pamare e keɓtinagol fawaare jawdi law e yaawde.

Ñiiɓgol Laamu e Teddungal

E nder leyɗeele ɗe Baobab gollirta, ina jogii teddungal ngam gollude no banke jawdi pamare nii, tawi ina ndiiɓa ɗum e bankeeji hakkundeeji leyɗeele ɗee. Kono, e nder Gine, alaa dental Baobab ngal jogii teddungal gollugol. Baobab ina rewa kadi e laabi IFC (International Finance Corporation) ngam fawaare jawdi numereere, tawi ina rewa kadi e laabi haɗooji ceede bonɗe (AML).

Darnde e Luumo, Foolooɓe e Gine, e Wasiyaaji ngam Ɗaɓɓooɓe Jawdi

Darnde Baobab e Luumo (e nder leyɗeele ɗe o gollirta)

Baobab ina jeyaa e dental jawdi pamare tati ɓurɗe mawnude e nder luumooji mawɗi ko wayi no Senegaal, Kodduwaar, e Niiseria. Ko waɗi ɗum ceertuɗum ko:

• Kuugal hiisa jawdi numereere e jawdi pamare numereere.
• Njuuteendi mum e nder Afrik fof e wallitde e dental yimɓe jogiiɓe jawdi e winndere ndee.

Yimɓe ɓe ngidɗi Baobab ina jaɓɓa yaawre keɓtinagol jawdi, kono kadi ina mbaawi yooƴde ko faati e kopii mawɗi walla waktuuji njammbari e nder kuugal yimɓe.

Dental Jawdi e Gine e Fooɓooɓe Baobab

Ko wayi no ko adii men anndini, Baobab Group (Microcred) alaa e Gine. Ko ɗum waɗi, yimɓe Gine ɓe ngidɗi fawaare jawdi pamare walla jawdi dental gollirɗe pamare ina poti yiyyaade dental goɗɗi ɗi gollirta e nder leydi ndii. Goɗɗe e dental jawdi pamare ɗe gollirta e Gine ina mbaawi wonde:

• Crédit Rural de Guinée (CRG)
• WAKILI (Entrepreneurs du Monde)
• Dental goɗɗi bankeeji walla jawdi pamare ɗi banke hakkundeejo Gine jogii teddungal gollugol.

So tawii Baobab ina gollirnoo e Gine, ina waawi foolude ɗeeɗoo dental e laawol mum numereewal haa teeŋti e jawdi pamare numereere. Kono, e nder darnde mayre jooni, dental jawdi e Gine ina poti wonde ɗi ngollirta koo e nder leydi ndii.

Wasiyaaji Nafuɗi ngam Yimɓe Gine Ɓe Ngidɗi Ɗaɓɓude Jawdi

No Baobab alaa e Gine, ko nafata yo yimɓe Gine ɓe ngidɗi ɗaɓɓude jawdi njaagoo wasiyaaji ɗii:

• Anndu Dental Jawdi: Ko nafata yo anndu dental jawdi pamare walla banke gonɗo e Gine, tawi banke hakkundeejo Gine rokki ɗum teddungal gollugol. Ko ɗum ina reena ma e golle bonɗe.
• Ƴeewto Koppi e Njoɓdi: Haa teeŋti, ƴeewto koppi jawdi (APR), njoɓdi fuɗɗorde, e njoɓdi raɓɓude joɓdi. Anndu kala ko joɓata ko adii maa ƴettu jawdi.
• Faam Waktu Joɓdi: Anndu no waktu joɓdi maa waawirta, e ko waɗata so tawii raɓɓu-ɗaa joɓdi.
• Jaggondirde e Kuugal Laawɗungal: So tawii dental jawdi ina haɓa e innde "Microcred" e Gine, jaggondirɗaa haa teeŋti. Ƴeewto so dental ngal ina jogii teddungal gollugol e Gine e innde mum laawɗunde.
• Haddere Jawdi Maa: Haa teeŋti, addu jawdi tan nde waawirta joɓude. Waasde joɓude jawdi ina waawi bonnude yarlitaare jawdi maa e duuɓi garooji.
• Kuutoro Fawaare Numereere e Faamde: So tawii ina huutorta app mobil walla kuugal numereewal, faamu no kuugal ngal gollirta e ko ceede ngal ƴettata.

Ko adii fof, ko nafata yo yimɓe Gine ndeeŋto e ɗaɓɓude dental jawdi pamare laawɗunde, ɗe banke hakkundeejo Gine jogii teddungal gollugol. Ko ɗum woni laawol ɓurngol reende ma e heɓde jawdi e laawol laaɓngol e hoolaare.