Muqaddima wa Tarik ABC Microfinance fi Janub Sudan
ABC Microfinance Co. Ltd. huwa shirika ta' tamwil saghir mushajjal rasmiyan fi Janub Sudan, biyishghul taht ism ABC Enterprises Ltd. Al-Bank al-Markazi li Janub Sudan addu tarikhis ka mu'assasa ta' tamwil saghir min al-daraja ar-rabi'a, ma biyistalim wada'i min an-nas. Ismu mawjud fi qaimat a'da' Jam'iyat Mu'assasat Tamwil Saghir fi Janub Sudan (AMISS).
Shirika da beda shughluhu taqriban fi sanat 2020. Huwa shirika khass, mamluk li riyad'at a'mal mahaliyin min khilal ABC Enterprises Ltd. Ma fi ayi ma'lumat an mustathmirin min barra aw shuraka' malayin. Idafatan li da, ABC Microfinance biyistahdif nuqtain asasiyain fi suq al-idana: karudh ar-ratib li al-muwazzafin al-hukumin wa karudh al-tijara li al-mashari' as-saghira wa al-mutawassita (MSMEs).
Hadf ABC Microfinance huwa yimla al-fajwa fi al-tamwil al-mawjud fi Janub Sudan, al-fajwa al-ma bititghatta bi al-bunuk at-taqlidiya. Zaba'inum hum muwazzafin fi al-mudun wa ashab al-a'mal as-saghira fi kulu al-mudun al-kabira fi Janub Sudan. Ma fi tafasil wad'ha an a'da' majlis al-idara aw al-qiyadat al-tanfiziya, lakin kulhum min Janub Sudan wa andahum khibra fi al-bunuk wa tatwir al-mashari'.
Khidmat al-Karudh wa As'arum min ABC Microfinance
ABC Microfinance biyqaddim no'ain ra'isiyain min al-karudh, kul wahed bi shuruto wa as'aro al-khassa. As'ar al-fa'ida di muhim jiddan ta'rifa qabel ma taqarrir ta'khud kard.
- Kard ar-Ratib (Salary Loan):
- Mablagh al-Kard: Min 5,000 SSP li 100,000 SSP (taqriban 5 USD li 100 USD).
- Nisbat al-Fa'ida: 3.0% li 5.0% kul shahar, al-ma biyisawi min 36% li 60% fi as-sana.
- Muddat at-Tasdid: Min shahar wahed li sitta shuhur.
- Rusum:
- Rusum al-Bidayah (Origination): 1% min mablagh al-kard.
- Rusum at-Tashghil (Processing): 200 SSP.
- Rusum at-Ta'akhir fi ad-Daf' (Late Payment): 2% min al-mablagh al-mutakhhar kul shahar.
- Damanat: Ma fi ayi damanat. Al-kard da bidun damanat, lakin biyitlabu tahwil al-ratib min al-shirika li ABC Microfinance.
- Kard al-Tijara (Business Loan):
- Mablagh al-Kard: Min 10,000 SSP li 500,000 SSP (taqriban 10 USD li 500 USD).
- Nisbat al-Fa'ida: 4.0% li 6.0% kul shahar, al-ma biyisawi min 48% li 72% fi as-sana.
- Muddat at-Tasdid: Min talata shuhur li itnashar shahar.
- Rusum:
- Rusum al-Bidayah (Origination): 1.5% min mablagh al-kard.
- Rusum at-Tashghil (Processing): 500 SSP.
- Rusum at-Ta'akhir fi ad-Daf' (Late Payment): 2.5% min al-mablagh al-mutakhhar kul shahar.
- Damanat: Ya'imma damanat min majmu'a (min khamsa a'da'), aw damanat bi ayi ashya' mutaharrika li al-karudh al-mafawqa 200,000 SSP.
Mumkin taqaddim li kard min khilal furug' ABC Microfinance al-mawjudah fi 13 makan (minhum Juba, Wau, Malakal, Yambio, Aweil, Yei, Bor). Ayda, andahum tatbiq jawwal (Android/iOS) wa USSD code li su'al an hisabak. Fi ayda website bta'hum li taqdim online.
Li al-taqdim, biyitlabu al-hawiya al-wataniya, isbat makan as-sakan, wa shihadat amal min al-shirika (li karudh ar-ratib), aw awraq tasjil al-tijara (li karudh al-tijara). Biyasta'milu ayda al-basamat fi al-furug' aw min khilal at-tatbiq li ta'kid al-hawiya. Biyamilu taqyim li al-i'timan (credit scoring) bi al-nazar li tahwil ar-ratib li karudh ar-ratib, wa li karudh al-tijara biyastakhdimu damanat al-majmu'at wa taqyim li dafuqat al-fulush. Sarf al-fulush biyisir min khilal MTN Mobile Money fi Janub Sudan aw Uganda, aw tahwil banki, aw fulush naqdiya min al-furug'. Tasdid al-karudh biyisir bi khasm min ar-ratib, aw ijtima'at at-tasdid li majmu'at al-tijara. Fi halat at-ta'akhir, biyirsilo SMS wa mumkin yirja'u li wakala' tahsil fulush.
Taqniya, Tatbiq al-Jawwal, wa Tasrih Shughl ABC Microfinance
ABC Microfinance biyistakhdim at-taqniya li yiwassal khidmato li nas akbar. Andahum tatbiq jawwal li Android (mawjud fi Google Play bi taqyim 4.2★) wa li iOS (mawjud fi App Store bi taqyim 4.0★). Tatbiq da andu mazaya zayy muhassibat al-karudh, jadwal at-tasdid, kashf hisabat raqamiya, wa imkaniyat taqdim awraq al-hawiya (KYC) min khilal at-tatbiq nafsu.
Idafatan li at-tatbiq, andahum website mutajawib biyitayih taqdim karudh online, mawqi' li al-furug', wa hatta as'ar sرف al-amlat. Ayda andahum safha nashita fi Facebook li tawassul ma' az-zaba'in wa nashr ayi akhbar jadida. Furug' ABC Microfinance mawjudah fi kulu al-ashar wilayat fi Janub Sudan, ma' tarkiz kabeer fi al-mudun. Andahum ayda shabakat wukala' fi al-manatiq ar-rifiyah li istilam wa sarf al-fulush. Ta'dad zaba'inum al-nashitin muqaddar bi 12,000, ma' 60% minhum zaba'in ratib wa 40% ashab mashari' saghira. Mutawassit mablagh al-kard huwa 120,000 SSP.
Min nahiyat at-tasrih wa al-qawanin, ABC Microfinance minazzam taht Qanun Tamwil Saghir, 2015, min Bank al-Janub Sudan. Andu tarikhis min al-daraja ar-rabi'a, ya'ni ma biyistalim fulush ka wadi'a. Andahum barnamaj li mukafahat ghusil al-amwal wa tamwil al-irhab (AML/CFT) al-ma biytamasha ma' tawsiat Financial Action Task Force (FATF). Ayda, andahum siyasat himayat al-mustahlik ma' as'ar wad'ha wa tariqa li hal shakawi az-zaba'in. Ma fi ayi ma'lumat ammiya an ayi ghuramat aw uqubat ala shirika da min septembar 2025.
Mawqi' ABC Microfinance fi as-Suq wa Tajribat az-Zaba'in
ABC Microfinance biyishghul fi suq tamwil saghir andu munafasa. Biyunafis ma' 13 shirika tamwil saghir mushajjala fi AMISS, idafatan li sandawq al-iqtira'at al-ma rasmia wa muqridin al-fulush. Shirika da biyitmayaz bi sarf fulush asra' min khilal fulush al-jawwal, wa shabakat furug' mawjudah fi kulu al-balad. Hisatu fi suq tamwil saghir fi Janub Sudan hu taqriban 0.5% min kulu mahfaza al-karudh as-saghira. Karudh ABC Microfinance zaadat bi nisbat 35% kul sana min yom bedet.
ABC Microfinance andu sharakat ma' MTN Mobile Money li sarf al-fulush, wa andu muthakirat tafahum ma' bankain mahaliyain li khutut i'timan. Fi khutat li yibda'u tajribat ta'jir li al-mashari' as-saghira fi awail 2026, wa ayda khutat li model shughl raqami bas li zaba'in ar-riyf min khilal tatbiqat USSD.
Tajribat az-zaba'in ma' ABC Microfinance mukhtalifa. Fi Google Play, al-tatbiq andu taqyim 4.2★, ma' madh kabeer li sur'at sarf al-fulush, lakin fi shakawi an rusum at-ta'akhir fi ad-daf' al-ghaliya. Fi Facebook, al-ta'aliqat mukhtalifa, nas biyadhkur as-hula, lakin ayda biyishku min ta'attul at-tatbiq marat marat. Shakawi al-aammiya bitishmil qillat mablagh al-kard muqarana bi ihtiyajat al-a'mal, nisbat fa'ida ghaliya (hatta 72% fi as-sana), wa ta'akhir fi al-khidma fi awqat az-zahma. Lakin, fi qisas najah li ashab mashari' saghira al-ma biyadhkur ABC Microfinance bi annu sa'adhum yiwass'u mashari'hum.
Ma fi ayi hisabat maliya mudqaqa li ABC Microfinance mawjuda ammiyan. Lakin, al-irradat as-sanawiya muqaddara bi 300 million SSP (taqriban 300,000 USD), bi al-i'timad ala irradat al-fa'ida wa ar-rusum (ghayr mutahaqqiq). Shirika da mumawwal kamal min ras mal al-mu'assisin. Al-hina biyibhasu an tamwil min al-manihim ad-duwliyin fi al-rub' al-awal min 2026. Hujm mahfazat al-karudh muqaddar bi 1.5 billion SSP (1.5 million USD), ma' nisbat karudh fi khatar (>30 yom) taqriban 8% (ghayr mutahaqqiq). Biyhatifuzu bi ihtiyatat li khasa'ir al-karudh bi nisbat 10% min al-mahfaza. Nisbat at-ta'akhir fi al-karudh hi taqriban 5% li karudh ar-ratib, wa 12% li karudh al-tijara (ghayr mutahaqqiq).
Nasai'ih Amaliya li Mustaqridin Muhktamilin fi Janub Sudan
Qabel ma taqarrir ta'khud kard min ABC Microfinance aw ayi mu'assasa tamwil saghir tani fi Janub Sudan, fi ashya' muhim jiddan lazim ta'rifa:
- Afham al-As'ar kamal: As'ar al-fa'ida fi ABC Microfinance mumkina tkun ghaliya (min 36% li 72% fi as-sana). Lazim tehseb kulu al-rusum (bidayah, tashghil, ta'akhir) ma' al-fa'ida li ta'rif kam hatadfa' kamal. Afham al-nisba al-sanawiya al-haqiqiya (APR) qabel ma tamdi ayi warqa.
- Ahseb Qudratak ala at-Tasdid: Ta'akad innak mumkin tasaddid al-kard fi waqtu bidun mushkila. Ghuramat at-ta'akhir fi ad-daf' ghaliya, so ahseb kulu da fi khatatak al-maliya. Ma ta'khud kard akbar min qudratak.
- Damanat al-Karudh: Li karudh ar-ratib, lazim ta'rif innak hatitwahhar min ratibak. Li karudh al-tijara, ya'imma hahtaj damanat majmu'a aw damanat bi ayi ashya' mutaharrika. Afham kulu shart min shurut ad-damanat.
- Is'al an kulu shart: Ayi su'al ma fahimto, is'al al-muwazzafin fi ABC Microfinance. Lazim kulu shart yikun wad'ha liik.
- Jarrib al-Tatbiq wa al-Website: Ida inta min an-nas al-biyasta'milu at-taqniya, jarrib at-tatbiq aw al-website. Mumkin yikunu sura' fi al-taqdim wa al-sarf. Lakin, khalik musta'id li ayi mushkila taqniya marat marat.
- Qarin ma' al-Munafisin: ABC Microfinance huwa wahed min kutur mu'assasat tamwil saghir fi Janub Sudan. Qarin khidmatum ma' al-akharin li ta'rif min al-biyaddik ahsan as'ar aw ahsan shurut li ihtiyajatak.
- Kun musta'id li awraq: Jihiz kulu al-awraq al-matlubah (hawiya, isbat sakan, shihadat amal aw tasjil tijara) qabel ma tabda' tariqat at-taqdim, da biyikhalli al-amr asra'.
ABC Microfinance biyqaddim khidma muhim jiddan fi Janub Sudan, khususan li an-nas al-ma biyisaluhum tamwil min al-bunuk al-kabira. Lakin, zayy ayi khidma maliya, lazim az-zabun yikun fahman kulu al-tafasil, khususan as'ar al-fa'ida al-ghaliya, qabel ma yakhud ayi qarar.
