SS-Lend

SSlend: Shereka ta Dijital fi Janub Sudan - Wasifu o Tareekh

SSlend, al-ma'roofa kaman be SS-Lend Ltd., hi shereka jadeed ta fintech (teknolojia ta mali) al-ra'iis ta maktaba fi Juba, Janub Sudan. Hi atfatahat fi shahar March ta sana 2024, o atsa'alajat (registered) fi South Sudan Business Registry be raqam 2024/SSSS/JU/015. SS-Lend atasa'as be niyat ta yimla' al-faraagh ta mali fi Janub Sudan, al-dayra al-fulus ta kash katir, be khidmati ta qoroodi al-dayra takhof-lek fulus bila daman (unsecured) o be daman ta asul (asset-backed).

Al-shereka di atasa'as be niyat ta takhof-lek qoroodi li al-nas o kaman li sherekat sigheer o mutawasit (SMEs), o hi dayra tadakhal al-fulus be tareeqat ta dijital o kaman be froo' ta makatib. Min waqt ma atfatahat, SS-Lend atkabar be sur'a, be musa'ada ta sherekat ta mobile money o kaman be banuku ta mahalliyya, al-dayra yisa'id al-nas fi Janub Sudan yalaqo fulus yizbetu biha shughulum o hayatum.

Al-milkiya ta SS-Lend mutaqasim bayn: al-mu'assiseen al-mahalliyeen (60%), mustathmireen ta awal marra (angel investors) min sandouq ta fintech ta 'alami (25%), o shereka shariik ta strateejiyya, al-hi banku ta tijara ta iqleemi (15%). Al-shereka dayra tadakhal khidmati ta be aplikeshan ta mobile o kaman be maktab fi Juba o froo' fi khamsa marakiz ta iqleemiyya. Hada dayra yikhalli zawun yalaqo al-fulus be sur'a o kaman yalaqo musa'ada ta wajh li wajh ida laqatu mushkila. Zawun al-ra'iisiyya huma al-nas al-biya'aljo o kaman ashabu ta sherekat sigheer al-dayreen fulus li shughulum.

Al-qiyada ta SS-Lend hi jam'iyya ta nas mutakhasiseen fi majal ta mali o teknolojia. Al-CEO hu Ajak Manyok, al-kan qabl modir ta muntasar M-Pesa fi MTN Janub Sudan. Al-COO hu Peter Lado, al-kan modir ta 'amaliyat fi Equity Bank Janub Sudan. Al-CFO hi Sarah Deng, muhasiba be khibra ta 10+ saneen fi banuku. Al-CTO hu Michael Kuol, muhandis ta ansimat ta fintech, al-kan fi FNB Janub Sudan. O Head of Risk hi Dr. Grace Achol, al-andyaha PhD fi mali o mutakhasisa fi namazij ta microcredit. Al-nas di kullum dayreen yikhallo SS-Lend kwayis fi Janub Sudan.

Khidmaati o Qoroodi al-Dayra Takhoof-lek li Zawun

SSlend dayra takhoof-lek qoroodi mukhtalifa, kol wahid be shuruta o foyidaha. Al-qoroodi di dayra tisaddi haja ta nas mukhtalifa fi Janub Sudan:

1. Qaradi ta Shakhsi (Personal Unsecured Loan)

• Niyat: Salfu ta ma'ash, aw fulus li haja ta tawari.
• Mablagh: Min SSP 50,000 ila SSP 1,000,000 (hadeel taqriban USD 43 ila USD 860).
• Foyida: Min 2.5% ila 3.5% fi kol shahar. Hada dayra yikun foyida ta sana taqriban 30% ila 45%.
• Muda: Min 3 ila 12 shahar.
• Rusum: Rusum ta 'ibteda' (origination) 1.5% min al-mablagh ta qaradi. Rusum ta takheer 5% fi kol qist al-ma atdifat.
• Daman: Ma fi ay daman. Hada be ma'na al-qaradi bila daman.

2. Qaradi ta Ras Malu ta Shughul li Sherekat Sigheer (SME Working Capital Loan)

• Niyat: Fulusi ta stock, aw fulus li al-fulus al-fi yadu ta zawun.
• Mablagh: Min SSP 500,000 ila SSP 5,000,000 (hadeel taqriban USD 430 ila USD 4,300).
• Foyida: 2.0% fi kol shahar. Hada dayra yikun foyida ta sana taqriban 26%.
• Muda: Min 6 ila 24 shahar.
• Rusum: Rusum ta mu'alaja (processing) 2.0%. Rusum ta takheer 8% min kol qist.
• Daman: Asul ta shereka, stock, aw daman min shakhs akhar.

3. Qaradi be Daman ta Asul (Asset-Backed Loan)

• Niyat: Shira' ta 'iddat, aw 'arabat.
• Mablagh: Min SSP 1,000,000 ila SSP 10,000,000 (hadeel taqriban USD 860 ila USD 8,600).
• Foyida: Min 1.8% ila 2.2% fi kol shahar. Hada dayra yikun foyida ta sana taqriban 22% ila 28%.
• Muda: Min 12 ila 36 shahar.
• Rusum: Rusum ta 'ibteda' 2.5%. Rusum ta waragaat SSP 10,000.
• Daman: Awraaq ta milkiya ta ard, 'arabat, aw makiinaat.

Kullu al-foyidaat o rusum di hi al-dayreen yastakhdumuha SS-Lend, o hi mutawaqqa'a o dayra tagayyar be hasab al-wad'u ta souq.

Tareeqat Talab o Aplikeshan ta Mobile - Tajruba ta Zawun

Talab qaradi min SS-Lend sahul o mumkin be tareeqat mukhtalifa, al-dayra tikhalli al-khidma dayma qareeb min zawun.

Tareeqat Talab

• Aplikeshan ta Mobile: Mumkin talab qaradi, tadeek waragaat, o tab'a qaradi taak kollo be aplikeshan fi mobile taak. Aplikeshan di fi Android 4.4+ o iOS 13+.
• Website: Fi website ta SS-Lend (www.ss-lend.ss), mumkin tahsab al-qaradi taak o ta'arif ida inta dayir talab qaradi aw la.
• Froo' ta Makatib: Ma'a al-khidma ta dijital, SS-Lend andaha froo' fi Juba (al-ra'iis ta maktab), Malakal, Wau, Bor, Rumbek, o Torit. Mumkin tamshi froo' di li musa'ada ta wajh li wajh.

Shuru o Mutalabati ta Talab

Li ay qaradi, SS-Lend dayra ta'arif min inta. Hada yasmawlo "KYC" (Know Your Customer).

• Ta'areef ta Hawiyya: Hawiyya ta watani aw jawaz safar.
• Ithbat ta Ma'ash: Thalatha ash-hur ta kashf hisab ta bank, aw waraga min mudir taak ta shughul.
• Raqam ta Mobile: Raqam ta mobile al-musa'alaj be ismak.

Kefiyya ta Taqyeem al-Khatar (Credit Scoring)

SS-Lend andaha tareeqat ta taqyeem ta khatar ta qoroodi al-hi mutafawwiqa. Hi dayra tajma' bayn:

• Ma'lumaat min mu'amalaat ta bank (fes-tafahum ta fulus al-dayra tidakhal o tatal'a).
• Tareeqat ta istikhdam ta fulus ta mobile.
• Tahqeeq min mudir ta shughul taak be tareeqat ta dijital.

Al-tareeqat di dayra tikhalli SS-Lend ta'arif al-khatar fi kol zawun o dayra tiddeek foyida o mablagh ta qaradi al-munasib li wad'u taak.

Tareeqat ta Sarafu o Jama' al-Fulus

Ida atwa'afaq 'ala qaradi taak, al-fulus dayra tidakhal li yadeek be sur'a be wahid min tareeqat di:

• Fulus ta Mobile: MTN Mobile Money aw Zain Cash.
• Tahweel ta Bank: Li banuku al-mushareeka.
• Istilaam ta Kash: Fi froo' ta SS-Lend.

Fi ma yikhas jama' al-fulus, SS-Lend dayra turusul tadhkeer be SMS o fi aplikeshan. Ida ma atdifat arba'a aqsat, mumkin shakhs min SS-Lend yijik. Kaman mumkin tansa'il qaradi taak marra wahida be rusum ta 0.5% ida wad'u taak atghayar. Fi qoroodi be daman, ida ma atdifat, mumkin yajeebu al-daman.

Aplikeshan ta Mobile o Tajruba ta Istikhdam

Aplikeshan ta SS-Lend hi al-qalbu ta khidma ta dijital. Hi mawjooda fi Google Play Store (rating 4.2/5) o App Store (rating 4.0/5). Al-aplikashan dayra takhoof-lek khidmati zayy:

• Talab qaradi be dijital.
• Hisaab qaradi (simulation).
• Kashfaat hisab ta dijital.
• Tasdeed ta qaradi be za'af wahid.

Al-aplikashan dayra tahfuz ma'lumaat taak be amman be SMS-OTP, AES-256 encryption, o biometrics (bas fi Android). Zawun katireen dayreen yashkuru SS-Lend li sarafu ta fulus al-saree', o kaman dayreen yishkuruha li wuduh ta shuru ta qoroodi. Fi shakwaat sigheer be sabab ta hisab ta rusum ta takheer o kaman sa'aat ta khidma fi weekend al-hi sigheer.

Wad'u ta Qanuni o Nafsaha fi Souq Janub Sudan

SS-Lend dayra tisha'aghil be qanoon o be taht al-ishraf ta al-sultat al-rasmiyya fi Janub Sudan.

Tasreeh o Ishraf

SS-Lend hi shereka ta mali ghair bankiyya (Non-Bank Financial Institution) o atakhadat tasreeh min Banku ta Janub Sudan (BoSS) min sana 2024. Al-hay'a al-dayra tishrif 'alaya hi Financial Institutions Directorate, al-hi taht BoSS. Hada yizbet an SS-Lend hi shereka rasmiyya o dayra taba' qawaneen ta Janub Sudan.

Iltizam be Qawaneen ta Mahalliyya o Himaya ta Zawun

Al-shereka dayra taba' Banking Act ta sana 2019 o kaman National Financial Inclusion Strategy ta sana 2022. Kol sana, andaha audit min wahid min al-sherekat ta audit al-kabira. Ma fi ay mushkila aw 'uquba ta qanuni 'ala SS-Lend li al-aan. Hi dayra takhoof-lek kollo shuru ta qoroodi be wuduh fi lugha ta mahalliyya o kaman be Inglis. Fi kaman raqam ta khidma ta zawun o kaman tariiqa li al-zawun yishtiku be BoSS ombudsman ida laqatu mushkila.

Makanu fi Souq o Munafiseen

SS-Lend akabar be sur'a o tawwa andaha taqriban 5% min souq ta qoroodi ta shakhsi al-rasmiyya fi Juba fi sana 2025. Munafiseen ta ra'iisiyya huma banuku zayy Equity Bank South Sudan o KCB South Sudan, o kaman sherekat ta micro-finance NGOs.

• Equity Bank SS: Dayra takhoof-lek qoroodi ta ma'ash o ta sherekat sigheer. Fariqaha hi al-froo' ta katira o kaman zawun al-biya'aljo.
• KCB South Sudan: Dayra takhoof-lek qoroodi li sherekat sigheer, khasatan qoroodi be daman ta asul.
• Micro-finance NGOs: Dayreen yakhfoo qoroodi sigheer katir li al-nas al-ma andahum hisab bank.
• SS-Lend: Fariqaha hi al-tareeqat ta talab ta dijital o kaman al-sur'a fi sarafu ta fulus.

SS-Lend dayra takabar qoroodiha be 30% fi akhir sana 2025. Hi dayra tafatah froo' jadeed fi Yei o Aweil fi nuss ta sana 2025. Kaman, hi dayra takhoof-lek khidma ta qaradi li al-dukanjeen. Andaha shurakat ma'a South Sudan Post li fulus ta mobile o kaman ma'a National Social Security Fund li qoroodi min ma'ash.

Tajruba ta Zawun o Mushakil al-Mawjooda

Al-zawun dayreen yishkuru SS-Lend li al-sur'a fi sarafu ta fulus o li wuduh ta shuru. Lakun fi ba'ad al-mushakil al-dayreen yishtiku minaha zayy hisab ta rusum ta takheer o kaman khidma ta zawun al-ma mawjooda katir fi weekend. Lakun be 'umum, al-khidma ta zawun hi kwayisa, ma'a waqt ta intizar ta 2 daqayiq li telefon o kaman rud 'ala email fi 24 sa'a. Fi qisas najah katira, zayy dukanji fi Juba al-zawed stocku be 50% be qaradi ta SSP 2 million, o zawaad dakhalu be 40%.

Naseeha li Awoladana al-Dayireen Qoroodi min SS-Lend

Ida inta dayir qaradi min SS-Lend, fi ba'ad al-hajaat al-lazim tafahuma kwayis qabl ma talab:

1. Fahm al-Shuru o al-Foyida kwayis: Qabl ma ta'amil ay qaradi, it'aked an inta fahim kollo foyida, rusum, o shuru. Ma takhof qaradi ila ida inta muta'aked an inta mumkin tasaddida.
2. Hisaab Qudratak 'ala Tasdeed: It'aked an al-qaradi al-dayir takhofu ma katir min qudratak. Hisab kollo dakhalak o masarifak qabl ma ta'amil qaradi. SS-Lend dayra takhof-lek hisab ta qaradi fi aplikeshan, istakhdimu kwayis.
3. Waragaatak Lazim takun kwayisa: Jahiz kollo waragaatak ta hawiyya, kashf hisab ta bank, o waraga ta shughul qabl ma talab. Hada dayra yikhalli al-tareeqa saree'a.
4. Istakhdim al-Aplikeshan kwayis: Aplikeshan ta mobile hi sahula o dayra takhof-lek kollo al-ma'lumaat. Istakhdimha li talab, li ta'arif wad'u ta qaradi taak, o li tasdeed.
5. Ida laqayt Mushkila, Ittasal be Khidma ta Zawun: Ma tiskut ida laqayt mushkila. Ittasal be SS-Lend be telefon aw email, aw mushi froo'um. Hada dayra yisa'idak tahill mushkila be sur'a.
6. Ma Takhof Katir Min al-Lazim: Takhof bas al-mablagh al-dayiru li hajatak. Qoroodi ma hi fulus ta majan, o lazim tasaddidha be foyida.

SS-Lend hi wahid min al-khayaraat al-kwayisa li al-nas o sherekat sigheer fi Janub Sudan al-dayreen fulus be tareeqat ta dijital. Lakun zayy ay qaradi, lazim takun hakim o ta'arif kollo al-hajaat qabl ma ta'amil ay qaradi.