Nazra Amma 'an MTN MoMo fi Janoub Sudan
MTN MoMo, al-mashhoor fi Janoub Sudan, hu al-qism al-mali lil-sharika al-kabeera MTN South Sudan Ltd. Al-sharika di, al-hi walad lil-MTN Group al-janoub Afriqi, badat shughla fi Janoub Sudan sanat 2011. Hi musajjala taht qanoon al-sharikat fi Janoub Sudan we akhadat tarkhees shughulha lil-khedmat al-maliya min al-Sulta al-Wataniya lil-Ittisalat fi April 2025 lil-muddaat 15 sana.
Al-hadf al-ra'eesi lil-MTN MoMo hu yadeem khedmat maliya raqamiya lil-nas al-ma 'andahum bankat, we lil-nas al-khedmatum al-maliya qaleela min al-bankat, we lil-sharikat al-sagheera we al-mutawassita. Hum bi-yasta'milu teknolojiya al-jawwal, zayy al-kood *1001#, we tatbeeqathum lil-jawwal (iOS we Android), we wukala'hum al-muntashireen fi kul makan, 'ashan yakhallu al-nas bi-yadeemu tahweelat al-qurush, daf' al-fawateer, tofeer, we qurud sagheera bi-tareeqa sahala we aamina.
Idarat al-sharika di fiha nas muhemmeen zayy Mapula Bodibe, al-hi CEO lil-MTN South Sudan, we Francis Matseketsa, al-hi CEO lil-MTN Fintech East Africa. We fi sharakat qawiya ma' Bank al-Janoub al-Sudani, al-li hu al-munazzim al-ra'eesi, 'ashan kul shughulhum yikoun saheeh we fi al-qanoon.
Anwa' al-Qurood we Khedmat Akhera men MTN MoMo
MTN MoMo bi-yadeem majmou'a men al-khedmat al-maliya al-raqamiya, we min ahamm al-khedmat di hu al-qurud. Hum fi aydeem qurud lil-nas al-afrad we qurud lil-sharikat al-sagheera, kul wahid bi-shurootu we tafaseelu:
MoMo QwikLoans (Qurood Shakhsiya)
- Mabalegh al-Qurud: Al-mabalegh al-hadeeda ma mu'akkada rasmian, bas fi al-souk al-nas bi-yagoulu mumkin tibda min 500 SSP lein 50,000 SSP. Al-hadf min al-qurud di hu tis'ad al-nas fi hali al-tawari' we al-masareef al-ghair mutawaqa'a.
- Nisbat al-Faa'ida (APR): Nisbat al-faa'ida ma mu'alana rasmian, bas fi al-manatiq al-haula Janoub Sudan, nisbat al-faa'ida lil-MoMo bi-takoun ben 10% we 30% fi al-sana. Di nisba betakhallu al-zoul yifham kam bi-yadaf' ziyada.
- Shuroot al-Sadaad: Al-qurud di betatla' lil-muddaat min 30 yoom lein 90 yoom. Law al-zoul sadaad fi waqtu, al-had al-aqsa lil-qurud al-jayya bi-yazid we bi-yabqa akbar.
- Rusoom:
- Rusoom al-bad' (Origination): Betakoun ben 2% we 5% men mablagh al-qurd.
- Rusoom al-ta'akheer (Late Payment): Law al-zoul ta'akhar fi al-daf', bi-yadaf' 0.5% kul yoom 'ala al-mablagh al-ma dafa'.
- Rusoom al-mu'alaja (Processing): Mumkin takoun 1% men mablagh al-qurd.
- Daman (Collateral): Ma fi daman matloob lil-qurud di. Al-sharika betabni al-qarar 'ala tareekh mu'amalat al-zoul we tareeqat isti'malu lil-khedmat ak-tar.
MoMo Business Loans (Qurood lil-Sharikat al-Sagheera)
- Mabalegh al-Qurud: Ma mu'akkad rasmian, bas al-taqdeer bi-yagoul mumkin tibda min 5,000 SSP lein 100,000 SSP. Di al-qurud lil-sharikat al-sagheera we al-mutawassita 'ashan tis'adhum fi shughlum.
- Nisbat al-Faa'ida (APR): Zayy al-qurud al-shakhsiya, nisbat al-faa'ida ma mu'alana, bas mumkin takoun fi hudood nisbat al-faa'ida al-mutawassita.
- Shuroot al-Sadaad: Al-muddaat betakoun ak-tar, min 3 lein 6 shuhour.
- Rusoom we Daman: Zayy qurud al-afrad, bas lil-qurud al-akbar, mumkin yikoun fi talab daman zayy al-bada'a al-fi al-mahal aw wasilat al-daf' al-fi al-MoMo wallet.
Al-rusoom we al-shuroot di ahamm shai' lil-zoul yifhamha gabel ma ya'akhuz qurd. MTN MoMo bi-sawwi shughlu bidoun daman lil-qurud al-sagheera, we bi-yasta'mil tareekh al-mu'amalat we al-isti'mal lil-khedmat 'ashan yiqarrer law al-zoul bi-yastahiq qurd we kam.
Tareeqat Takdim we 'Amliyat MoMo
Al-tareeqa al-biha al-zoul bi-yagaddam 'ala qurd aw bi-yasta'mil khedmat MoMo sahala we mumkina min ayy makan. MTN MoMo bi-yadeem ak-tar min tareeqa lil-takdim we lil-ta'amul:
Qanawat al-Takdim:
- USSD (*1001#): Di al-tareeqa al-ak-tar intishaaran we sahala lil-nas al-ma 'andahum smart phones. Min khilal al-kood da, al-zoul bi-yagdar yashoof khedmat MoMo we yagaddam 'ala qurud.
- Tatbeeq al-Jawwal (Mobile App): Fi tatbeeq lil-jawwal lil-iOS we Android. Al-tatbeeq da bi-yadeem tajriba ahsan we kamil 'ashan al-nas yiqaddimu 'ala qurud, yishoufu tareekh mu'amalathum, we yida'mu fawateer.
- Wukala' al-Bi'a' we Maharib MTN: Al-wukala'hum muntashireen fi kul al-wilayat al-ashara fi Janoub Sudan. Al-zoul bi-yagdar yizoor ayy wakeel aw mahali MTN 'ashan yit'allam ak-tar, yagaddam 'ala khedma, aw yastafsar.
Tasjeel we Tahqeeq al-Hawiya (KYC & Onboarding):
- KYC Level 1: Lil-tasjeel al-awwali we taf'eel al-wallet fi 24 sa'a, al-zoul bi-yagdar yista'mil bataga wataniya aw batagat UN ID. Da bi-yagdar yit'amel min khilal USSD aw 'inda ayy wakeel.
- KYC Level 2: Lil-hudood al-akbar fi al-mu'amalat, al-zoul bi-yatalab minnu tahqeeq hawiya bi-basmat al-asabi' 'inda wukala' MoMo.
Tareeqat Takdeer al-Kreddit:
MoMo ma bi-yatalab daman. Bedal da, hum bi-yasta'milu tareeqat takdeer krediit khassa bihum, al-hi betabni 'ala bayanat al-zoul men istimalu lil-khedmat:
- Masadir al-Bayanat: Tareekh al-mu'amalat, ta'beeyat al-kalam lil-jawwal, tareeqat daf' al-fawateer, we tahweelat al-qurush al-bi-tiji aw al-bi-titala' min al-wallet.
- Al-Tareeqa: Hum 'andahum tareeqat takdeer khassa lil-MTN Fintech, al-hi betakhallat bayanat sulouk al-zoul ma' bayanat al-shabaka 'ashan yiqarriru law al-zoul bi-yagdar yasaddad we kam al-qurd al-mumkin ya'akhdu.
Tareeqat Sarf al-Qurud we Tahseelaha:
- Sarf al-Qurud: Law al-qurd waafaqo 'aleeh, al-mablagh bi-yakhush mubaashara fi MoMo wallet al-zoul. Mumkin al-zoul yis'hab al-qurush kash min ayy wakeel MTN, aw yihawwila lil-bankat al-fiha sharakat zayy Juba Bank we Equity Bank.
- Tahseel al-Qurud: Fi yoom al-sadaad, al-mablagh bi-yitkhasam aaliyan min MoMo wallet al-zoul. MoMo bi-yirasil tazkeer bi-rasa'il SMS aw min khilal USSD gabel al-daf'. Law al-zoul ma sadaad, al-wukala' mumkin yitab'ou ma'ah hata bi-ziyarat ميدانية.
Teknolojiya, Intishaar, we Wadee'a al-Tanzim
MTN MoMo bi-yakhallat al-quwwa al-teknolojiya ma' shabaka kabeera lil-wukala' 'ashan yawsal lil-nas fi kul makan fi Janoub Sudan, we kul da taht tanzim qawi.
Tatbeeq al-Jawwal we Taqeemat:
- Tatbeeq iOS: Al-version al-mawjouda hi 1.0.10 we bi-yashghal 'ala iOS 10 we foog. Al-araa' mumtalakhata, fi nas bi-yashkaru fi al-qurud al-sahala, we fi nas bi-yishtaku min mashakil fi dukhool.
- Tatbeeq Android (Google Play): Ak-tar min 10 milyon tanzeel we akhad 4.0 najma men 53 alf taqyeem. Da bi-yashoof intishaaru al-kabeer. Al-nas bi-yishkaru fi sahoolat al-istimal, bas fi shakawat 'an thabat al-tatbeeq we mashakil al-ittisal marrat marrat.
Intishaar we Qa'idat al-Zaba'in:
MTN MoMo bi-yaghaddi kul al-wilayat al-ashara fi Janoub Sudan. Al-hadf hu yawsal lil-ak-tar min 90% men al-nas fi al-balad khilal 10 sanawat min tarkhees al-khedma. MTN South Sudan 'andu taqriban 2.5 milyon mushtarik, al-hi ak-tar min nusf al-souk. We MoMo bi-yitwagga' annu 30% lein 40% men al-mushtarikin di hum mustakhdimin nasheetin lil-MoMo.
Wadee'a al-Tanzim we al-Mutaba'a:
MTN MoMo bi-yashghal taht tanzim qawi 'ashan kul shughlu yikoun aameen we fi al-qanoon:
- Tarkhees: 'Andahum tarkhees ittisalat lil-muddaat 15 sana min April 2025. We Bank al-Janoub al-Sudani waafaq 'ala khedmat al-qurush al-raqamiya (Mobile Money) fi Yanayer 2024.
- Maraqaba: Al-shughul da bi-yitrakab men al-Sulta al-Wataniya lil-Ittisalat (NCA) we men Idarat Nizam al-Daf'iyat fi Bank al-Janoub al-Sudani.
- Himayat al-Mustahlik: MoMo bi-yazhar kul al-rusoom bi-wadouh fi al-tatbeeq we USSD. Hum bi-yihamu khusousiyat bayanat al-zaba'in hasab qawaneen al-balad. We fi tareeqat lil-shakwa we al-istifsar min khilal markaz al-ittisal aw 'inda al-wukala' aw hata ma' al-munazzim. Ma fi ayy gharaamaat aw igara'at tanzeemiya mu'alana 'ala MoMo hata al-yoom.
Makan MoMo fi Souk we Naseeha lil-Nas
MTN MoMo hu al-ra'id fi khedmat al-qurush al-raqamiya fi Janoub Sudan, we bi-yitwagga' innahu 'andu ak-tar min 50% men al-wallets al-nasheeta. Bas fi munafiseen qawiyin zayy Digitel Cash, Zain Cash, Equity Mobile, we Wave Money.
Al-Farq al-Bi-yameez MTN MoMo:
- Shabakat Wukala' Kabeera: 'Andahum akbar shabaka men al-wukala' al-muntashireen fi kul makan.
- Nizam Kamil: Hum jiz' men nizam MTN al-kabeer lil-ittisalat we al-maliya, al-li bi-yakhalli al-khedmat mutarabita we sahala.
- Muwafaqat Qurud Saree'a: Bi-yasta'milu tareeqat takdeer krediit 'ala tareekh al-suluk al-li bi-yakhalli qarar al-qurd saree'.
Namu, Tawassu', we Sharakiyat:
MoMo bi-yashghal 'ala tawassu' khedmatu. Hum 'andahum sharakiyat ma' Onafriq lil-tahweelat min ak-tar min 15 balad. We bi-yikhatatu lil-ittisal ma' sharikat al-kahraba zayy JEDCO we sharikat al-rahanat 'ashan al-nas yiqadru yida'mu fawateerhum we yisawwu mu'amalat ak-tar min khilal MoMo. Hum kaman bi-yishtaghilu 'ala ziyaadat wa'y al-nas bi-khedmat al-maliya min khilal hamlat "Mata Fekir".
Araa' al-Zaba'in we Khedmat al-Zaba'in:
- Al-Ijabiyat: Al-nas bi-yashkaru fi sahoolat we sur'at al-qurud, we daf' al-fawateer al-mumkin bi-doun waraq.
- Al-Salbiyat we al-Shakawat: Fi nas bi-yishtaku min mashakil al-dukhool we al-ittisal fi al-tatbeeq, we tariikh mu'amalat al-ma kamil.
- Khedmat al-Zaba'in: MoMo 'andu markaz ittisaal 24 sa'a kul yoom (+211 187 0000) we wukala' fi al-souk 'ashan yis'adu al-nas wajhan li-wajh. Fi qisas najah, zayy waahid akhad qurd lil-madrasa fi 24 sa'a.
Naseeha 'Amaliya lil-Nas al-Mahtajeen Lil-Qurud:
Law inta bitfakir ta'akhuz qurd min MTN MoMo, fi chandaat muhimma laazim ta'rifha:
- Iqra al-Shuroot we al-Ahkam: Gabel ma ta'akhuz ayy qurd, laazim taqra we tifham kul al-shuroot, khusoosan nisbat al-faa'ida we al-rusoom. Law fi shai' ma waadih, is'al khedmat al-zaba'in.
- Saddad fi Waqt: Da ahamm shai' 'ashan ma tida'fa rusoom ta'akheer we 'ashan tareekhak yikoun kwayis. Law sadaadt fi waqt, al-had al-aqsa lil-qurd al-jayy bi-yazid.
- Bad'a bi-Sagheer: Law di awwal marra ليك ta'akhuz qurd, bad'a bi-mablagh sagheer inta متأكد innak bi-taqdar tisaddadu.
- Qarin al-Khedmat: Law fi munafiseen akherin zayy Digitel Cash aw Zain Cash, qarin shuroot hum we shuroot MoMo gabel ma taqarrer.
- Ista'mil al-Tatbeeq Sah: At'allam keef tista'mil tatbeeq MoMo saheeh 'ashan tajtanib al-mashakil zayy dukhool aw ittisal.
- Raqib Tareekh Mu'amalatk: Laazim tarkib tareekh mu'amalatk fi MoMo 'ashan tida'fa al-qurud fi waqt we tida'fa fawateerk saheeh.
MTN MoMo bi-yadeem firsa kwayisa lil-nas we al-sharikat al-sagheera fi Janoub Sudan 'ashan yawsalu lil-tamweel al-raqami. Bas laazim al-zoul yikoun wa'ee we ya'rif tafaseel al-khedma gabel ma yista'milha.
