ZainPay

Faham ZainPay fi Januub Al-Sudan: Asaas wa Wajood

ZainPay, da al-qisim al-raqami min sharikat Zain Januub Al-Sudan, yiraaje' nafsahu ka waahid min al-la'ibeen al-muhimmeen fi taqdeem al-khidmaat al-maaliyya al-raqamiyya fi baladna Januub Al-Sudan. Al-hadaf al-asasi bita' ZainPay howa yusa'id al-naas al-ma 'andahum hisabat bankiyya aw al-ma wasalathom khidmaat al-bankaat. Bi isti'maal network al-mubil al-kabeer bita' Zain, huma biyaqdimu mahfaza mubil bi al-tashaaruk ma' shurakaa' mahalliyeen. Da shughul kabeer khaleena nihawwil al-fuluus wa nihfazaha bi sahuula fi al-balad.

Sharikat Zain Januub Al-Sudan, al-ma'roofa ka juz' min Zain Group al-alamiyya, bada'at shughulaha fi 2011 lamma Januub Al-Sudan istalaamat hurriyataha. ZainPay, tahta al-barand bita' "NilePay Mobile Money" bi al-tashaaruk ma' NilePay PLC, da al-waqt al-kameel yiqaddim khidmataha. Huma ma'aaiz al-naas al-ma 'andahum bankaat, al-tujjaar al-sagheereen, wa hata al-munazzamaat al-insaniyya al-mahtajeen yuwazzi'u al-fuluus bi tareeqa raqamiyya. Rusuum al-tahweel wa al-fuluus al-makhzooza di al-masaa'il al-biya'ishu minha ZainPay. Al-madaa'ir bita' ZainPay shamil Magdi Taha al-hoowa Chief Executive Officer bita' Zain Januub Al-Sudan, wa Darius Mobe al-hoowa Director bita' al-tashaaruk ma' NilePay.

Khidmaat ZainPay: Al-Quruud, Rusuum, wa Shuruut

ZainPay, aw kama ma'roof bi "NilePay Mobile Money", yuwaffir majmoo'a min al-khidmaat al-maaliyya al-raqamiyya. Haya nishuuf tafaseel al-khidmaat di, khassatan al-quruud al-sagheer al-mahtammiin beha al-naas.

• Tahweel al-Fuluus min Shaher li Shaher (P2P Transfers):
  • Aqall mablagh: 100 SSP (yilaqi quraaba USD 0.10).
  • Aktar mablagh: 100,000 SSP (yilaqi quraaba USD 10).
  • Rusuum: Min 1% ila 3% min mablagh al-tahweel.
  • Damaan: Ma fi damaan.
  • Mulaahaza: Da khidma sari'a jiddan li tahweel al-fuluus.
• Dafa'at li al-Tujjaar (Merchant Payments):
  • Aqall mablagh: 100 SSP.
  • Aktar mablagh: 200,000 SSP.
  • Rusuum: Min 0.5% ila 2% min qeemat al-dafa'.
  • Damaan: Ma fi damaan.
  • Mulaahaza: Bi sahuula tadfa' li al-tujjaar al-biyista'milu khidmat ZainPay.
• Quruud Sagheer (Micro-Loans):

  Di al-khidma al-muhimma al-biyahtamma beha keteereen. Lakin, al-tafaseel di da kalam bas, ma mu'akkad rasmiyan min ZainPay nafsu, lakin da min al-kalam al-biya'rafu min shurakaahum wa al-suuq.

  • Aqall mablagh: 500 SSP (yilaqi quraaba USD 0.05).
  • Aktar mablagh: 50,000 SSP (yilaqi quraaba USD 5).
  • Nisbat al-Fa'ida (fi al-sana): Min 12% ila 24% fi al-sana. Da kalam ma mu'akkad akid.
  • Fatra al-Saddad: Min 30 ila 90 yoom. Da zatu kalam ma mu'akkad.
  • Rusuum al-Bidaaya (Origination Fee): 2% min mablagh al-qard. Da kalam zatu.
  • Rusuum al-Ta'kheer (Late Fee): 5% kul shahar ida ma saddadt fi al-waqt. Da zatu kalam.
  • Damaan: Raseed al-mahfaza al-mubil wa damaan min wakeel. Da kalam bas.

  Malaahaza muyhimma: Qabl ma taqaddim li ay qard, laazim tas'al ZainPay aw wakeelahum al-rasmi 'an al-tafaseel al-saheeha wa al-mu'akkada bita' al-rusuum, nisbat al-fa'ida, wa fatrat al-saddad. Ma ta'tamid bas ala al-kalam al-ma mu'akkad.

Tareeqat al-Taqdeem, al-Istikhdam, wa Tajribat al-Tatbeeq

Al-tahseel ala khidmat ZainPay, khassatan al-quruud al-sagheer, da shughul sahal. Huma mufatthiheen abwaab keteera li al-naas yiqaddimu wa yakhuluq al-khidmaat di.

• Qanawaat al-Taqdeem:
  • Tatbeeq al-Mubil: Fi Google Play, al-tatbeeq da ismu "NilePay Mobile Money". Da li al-smartphones.
  • USSD Code: Ida 'andak mubil 'aadi ma smart, mumkin tista'mil *303#.
  • Wakaalaat ZainPay: Aktar min 500 wakeel mutawajideen fi Juba, Wau, Bor, Malakal, wa amaakin keteera. Mumkin tamshi li ay wakeel.
• Shuruut al-Tasjeel wa al-Hawiya (KYC):
  • Laazim taku 'andak bataga qawmiyya saheeha aw jawaz safar.
  • Al-tasjeel mumkin yitamm bi tareeqat al-tasweer bi al-mubil aw bi al-wakeel.
  • Fi hudood li mablagh al-fuluus al-mumkin tahawwilaha aw tidfa'ha, da bi yitawaqqaf ala darajat tawtheeq hawiytak.
• Taqyeem al-Kredit wa al-Muwafaqa:
  • Al-sharika di bita' NilePay bita'mal taqyeem li sawabeq al-tahweelaat al-maaliyya bita'tak, wa keef tista'mil al-mahfaza, wa kaman dafa' al-fuluus bita' al-mubil.
  • Al-muwafaqa al-nihaiyya li al-qard mumkin tikun min qisim al-kredit bita' NilePay aw min shurakaahum fi maktab al-kredit.
• Tareeqat al-Sarafa wa al-Tahseel:
  • Sarafa: Mumkin tistalim al-fuluus naqadi min ay wakeel bita' ZainPay, aw tahawwilaha li mahfaza mubil tanya, aw hata li bank mu'aa