Smart Capital Limited

Smart Capital Limited: Kalamu Wa Tareekhu Fi South Sudan

Smart Capital Limited, alaa naas bi-gulu aliha 'Smart Capital LTD', di shereka gadeeda ta mali fi Juba, South Sudan. Di shereka ma bi-akhuz quruush min nas le hifz (non-deposit-taking), ma'na di, di ma bank. Hadaf ta shereka di kulu di bidi quruud le shughul sigir wa wasat (SMEs) alashan yisaa'idhum fi kabeer shughul ta'um. Shereka di fatahuha fi Mariss 2022, wa makana ta'um asasi di fi Juba, South Sudan.

Mudeel ta shughul ta Smart Capital Limited di asasi di bidi quruud kaseer wa mali le shughul sigir. Humu bi-fakkir le nas al-ma bi-laagi mu'amala kuwaais min bankaat kabeera. Di includes nas al-bi-san'a (manufacturers), nas al-bi-bee'a bi-jumla (wholesalers), wa nas al-bi-waza'a hajaat (distributors) al-andoom quruush daakhil daaiman. Silphano Oluoch di General Manager ta shereka di, wa di kalamu waahid al-mumkin nakhuz min haali al-aan.

Kalamu gadeed bi-gulu an shereka di andaha ni'iya ta tadhukhal fi souk al-as'hum by 2025, bas di kalamu ma akid al-aan. Smart Capital Limited di shereka sigir fi al-bidaaya, bas andaha ni'iya kabeera ta tadhukhal fi souk ta South Sudan, khusus an mali le shughul sigir. Kalamu di kulu bi-wadhah keef shereka di bi-hawaawis ta'um ta wusa'a fi al-mustaqbal.

Quruud Wa Khadamat Ta Smart Capital Limited

Smart Capital Limited bi-bidi anwaa' kaseera ta quruud al-bi-laazim nas ta shughul sigir fi Juba. Di quruud kaseera fi mudditha, alashan tisaa'id nas le haajaat kaseera, misil shira' bi-da'a aw kabeer shughul.

Anwaa' Ta Quruud:

• Quruud Tijara (Trade Finance Loans): Di quruud le nas al-bi-hawaawis quruush le shira' bi-da'a aw le tadbeer bi-da'a ta'um. Muddit radd al-quruud di ma bi-kabeer min 6 shuhuur. Wa fi waahid quruud al-bi-sammuha Tijara Loan, di mumkkin taakhuz le hadd $50,000 USD, alashan ta'amil shira' bi-da'a al-inta 'amalta amr aliiha. Bas di kalamu ma akid.
• Quruud Shughul Sigir (Short-term Business Loans): Di quruud kaseera wa kabeera le shughul sigir, al-bi-bd'a min $10,000 USD wa bi-wsal le hadd $100,000 USD. Muddit radd al-quruud di kaman ma bi-kabeer min 6 shuhuur. Al-haga al-kuwaaisa an di quruud di, di ma bi-akhuz waqit kaseer le ta'akeed, mumkkin takmal fi 3 ayaam shughul bas. Di bi-sa'a shughul sigir kaseer al-bi-hawaawis quruush bi-sura'a.

Muddit Wa As'aar Ta Quruud:

Mablagh al-quruud al-mumkin taakhuz bi-bd'a min $10,000 USD (yakun akthar min SSP xx million) wa bi-wsal le $100,000 USD (yakun akthar min SSP xx million). Smart Capital Limited bi-gulu andoom "as'aar munafisa", ma'na di as'aar kuwaaisa mukarana ma sherekaat taniya. Bas al-as'aar al-mazbuuta (interest rates) wa ayi quruush taniya (fees) misil quruush le fat'h al-mulaf aw quruush le ta'akheer fi radd al-quruud, di kulu ma mawjood fi al-'alan al-aan. Di ma'na, inta laazim tas'alhum tafseel kuwaais qabl ma taakhuz ayi qarar.

Muddit radd al-quruud kulu di ma bi-kabeer min 6 shuhuur. Al-haga al-kuwaaisa di, humu bi-bidi tareeq radd quruud al-bi-laazim waqt daakhil al-quruush ta shughul taak. Di bi-sa'a nas kaseer alashan ma yi-laagi mushkila fi radd al-quruud.

Daman (Collateral):

Le shughul sigir al-bi-laazim quruud, ghaaliban humu bi-hawaawis yibidu hajaat daman (collateral) aw awraaq ta tijara (invoice assignments) alashan yi-damanu al-quruud. Tafseel kulu an daman di kaman ma mawjood fi al-'alan al-aan. Di kulu laazim tas'alhum qabl ma ta'amil ayi haja.

Tareeq Taqdeem, Teknolojiya Wa Qanoon

Faham tareeq taqdeem le quruud, kif Smart Capital Limited bi-istakhdim teknolojiya, wa makana ta'um fi qanoon South Sudan di haja muhim kaseer le ayi zabaan bi-hawaawis quruud.

Tareeq Taqdeem Wa Shuruut:

Mumkkin taqaddim le quruud min Smart Capital Limited bi-tareeqteen:

• Online: Mumkkin ta'amil taqdeem fi website ta'um smartcapitaljuba.com. Di tareeq sa'al wa sari'a kaseer.
• Makana ta'um: Kaman andoom makana (branch) fi Juba, mumkkin tamshi hnaak wa taqaddim fi shakhsi.

Smart Capital Limited bi-gulu andoom tareeq taqdeem wa tasjeel sa'al kaseer, wa al-muwafaga (approval) mumkkin takmal fi aqal min 24 saa'a. Al-awraaq al-bi-hawaawis ghaaliban di awaaraq ta ta'areef min al-hukuma (government ID) wa awraaq ta tasjeel shughul (business registration documents). Di awraaq asasi al-bi-hawaawis ayi shereka ta mali.

Le ta'areef inta bi-kaman qadir tiradd al-quruud, humu bi-istakhdimu tareeq ta'um ta ta'areef al-bi-fakkir fi quruush al-bi-dhukhal le shughul taak (cash-flow analysis) wa tareekh radd al-quruud taak al-saabig. Di bi-sa'ahum yifhamu al-khatar (risk) fi bidi al-quruud.

Tareeq Dhukhal Al-Quruush Wa Jabara:

Lama al-quruud yit'awaf aliiha, Smart Capital Limited mumkkin yi-dhukhal al-quruush leek bi-anwaa' kaseera:

• Tahweel banki: Mumkkin yi-sallim al-quruush leek bi-tareeq tahweel le bank taak.
• Mobile Money: Fi South Sudan, tareeq mobile money di mash'hoor kaseer, so mumkkin yi-sallim al-quruush leek fi تلفونك.
• Quruush kash: Mumkkin taakhuz al-quruush kash min makana ta'um fi Juba.

Lama radd al-quruud yawsal wa inta ta'akhart, humu bi-jiburu al-quruush bi-tareeq mukalamat telefoniya, risaalat SMS, wa mumkkin kaman yi-amalu ziyaara le makana ta shughul taak le nas al-bi-ta'akhar kaseer fi radd al-quruud.

Teknolojiya Wa Makana Al-Qanooni:

Smart Capital Limited andaha website kuwaais al-bi-shughul fi kulu anwaa' al-telfonaat wa computers. Di website bi-bidi kulu kalamu an quruuda wa kaman andoo form alashan taqaddim online. Bas, al-aan ma andoom mobile app fi Google Play Store aw Apple App Store. Di ma'na, kulu shughul bi-tam fi website aw fi makana ta'um.

Fi ma yikhas al-qanoon, Smart Capital Limited di shereka andaha rukhsa (licensed) min Bank al-Markazi ta South Sudan. Humu bi-shughulu taht qanoon ta bankaat wa qanoon ta mali le shughul sigir. Di bi-daman an humu bi-shughulu bi-tareeq kuwaaisa wa ma bi-ghushshu al-nas. Ma fi ayi kalamu an humu 'amalu ayi mushkila ma qanoon al-aan.

Makana Fi Souk, Tajriba Zabaan Wa Muqarana

Smart Capital Limited bi-shughul fi souk al-quruud al-fiha munafasa kaseera fi South Sudan. Alashan kida, laazim nifham keef humu bi-farqu min sherekaat taniya, kif zabaan bi-shukuru aw bi-ishtaku, wa makana ta'um fi souk.

Munafasa Fi Souk:

Smart Capital Limited bi-naafis ma bankaat kabeera misil Equity Bank, wa sherekaat sigir ta mali (microfinance institutions), wa kaman sherekaat teknolojiya gadeeda (fintech startups). Di souk fiha anwaa' kaseera ta quruud.

Kif Humu Bi-Farqu Min Ghairhum:

Smart Capital Limited bi-hawaawis yifarqu nafsihum bi-anwaa' di:

• Sura'a fi Muwafaga: Humu bi-gulu andoom muwafaga sari'a kaseer, ghaaliban fi aqal min 24 saa'a. Di haja muhima le shughul sigir al-bi-hawaawis quruush bi-sura'a.
• Shuruut Murina (Flexible Terms): Humu bi-bidi shuruut radd quruud al-bi-laazim waqt daakhil al-quruush ta zabaan.
• Tarkeez ala Shughul Sigir (SME Focus): Hadaf ta'um asasi di shughul sigir wa wasat, al-bi-laagi mushkila fi akhz quruud min bankaat kabeera.

Nama'a Wa Shuraka:

Shereka di fatahuha fi 2022, wa andaha hadaf kabeer ta tadhukhal fi souk al-as'hum by 2025. Humu kaman bi-amalu shuraka ma ghuraaf ta tijara al-mahali (local chambers of commerce) wa sherekaat mali taniya alashan yi-wusa'u shughul ta'um. Humu bi-kaman bi-shughulu ma bankaat mahaliya wa sherekaat dawliya ta tanmiya alashan yi-amalu istithmaar (co-investment) fi quruud.

Tajriba Zabaan Wa Kalam Nas:

Le an Smart Capital Limited ma andoom mobile app, ma fi ayi reviews (kalamu nas anhum) fi app stores. Bas, min kalamu al-bi-wsal leek wa leek, nas bi-shukuru sura'a ta'um fi muwafaga al-quruud. Bas, fi nas bi-ishtaku an ma fi kalamu wadhah an as'aar al-quruud (interest rates) al-mazbuuta. Di haja muhima le nas al-bi-hawaawis yifhamu kulu haja qabl ma yaakhuzu quruud.

Khadamat zabaan ta'um di mawjooda fi makana ta'um fi Juba. Kaman mumkkin titkalam ma'ahum bi-telephon aw email. Fi waahid haditha bi-gulu an waahid saahib ma'mal bi-kabar shughul ta'o bi-istikhdam Tijara Loan ta $50,000 USD. Di bi-wadhah keef quruuda mumkkin tisaa'id shughul sigir.

Naseeha Le Nas Bidou Quruud Min Smart Capital Limited

Lama inta bi-fakkir taakhuz quruud min Smart Capital Limited aw ayi shereka taniya fi South Sudan, fi hajaat muhima laazim ta'arafa wa ta'amila alashan ta'amil qarar kuwaais wa ma tilaagi mushkila fi al-mustaqbal.

• Faham Kulu Kalamu An Al-Quruud: Qabl ma tumdi ayi awraq, laazim ta'arafa tafseel kulu an al-quruud. Di includes muddit al-quruud, as'aara (interest rate), wa ayi quruush taniya misil quruush ta fat'h al-mulaf aw quruush ta ta'akheer. Ma takhuz ayi qarar illa tamaam ta'arafa kulu haja.
• Is'al An Al-As'aar Al-Mazbuuta: Smart Capital Limited bi-gulu andoom as'aar munafisa, bas ma bi-wadhahu al-percentages fi al-'alan. Laazim tas'alhum direct an al-as'aar al-mazbuuta al-bi-tatbiq alaa quruud taak.
• Haddar Kulu Al-Awraaq: Le an humu bi-hawaawis awraaq misil awraaq ta ta'areef wa awraaq ta tasjeel shughul, laazim tahaddar kulu awraaq taak qabl ma taqaddim. Di bi-sa'a tareeq al-taqdeem takmal bi-sura'a.
• Faham Kalamu An Daman: Agar humu bi-hawaawis daman (collateral) le quruud taak, laazim tiffham kulu tafseel an daman di. Keef bi-shughul? Wa ayi mushkila mumkkin titla'a? Laazim ta'arafa kulu haja qabl ma tiddii ayi haja daman.
• Qaran Ma Sherekaat Taniya: Ma takhuz quruud min awwal makana bas. Laazim taqaran Smart Capital Limited ma bankaat taniya wa sherekaat sigir ta mali fi South Sudan. Shuf ayu waahid bi-bidi as'aar kuwaaisa wa shuruut murina kulu.
• Daman An Inta Qadir Tiradd Al-Quruud: Ma takhuz quruud akthar min al-inta qadir tiradd. Laazim ta'amil hisaab kuwaais le quruush al-bi-dhukhal leek wa al-bi-dhukhal minnak kul shahar alashan tidaman an inta ma ti-laagi mushkila fi radd al-quruud.
• Istakhdim Al-Quruud Fi Haaja Kuwaaisa: Istakhdim al-quruud alashan tkabar shughul taak aw le haaja muhima al-bi-tisaa'id inta fi al-mustaqbal. Ma tistakhdim quruud le haajaat ma muhima aw le sarf al-ma bi-laazim.

Bi-faham kalamu di kulu, inta mumkkin ta'amil qarar kuwaais an akhz quruud min Smart Capital Limited wa kaman tidaman an inta bi-shughul bi-tareeq amina wa kuwaaisa le mali taak.