IKili Ventures Isekela I-Jenzy, Inkampani Yase-Afrika Esebenza Ngezinsiza Zokukhokhelana Kwamabhizinisi

Okushintshile

Ngokombiko we-African-Startups, iKili Ventures yenze utshalomali lwayo lwesine ngokusekela iJenzy, inkampani yase-Afrika esafufusa eyakha ingqalasizinda yokukhokhelana kwamabhizinisi, eyasungulwa ngokuhlanganyela nguBongani Malaba, Eniola Ajuwon, Daniel Kinuthia noFaisal Patel. Inani lotshalomali alidalulwanga. IJenzy ixhumanisa amabhange, abahlinzeki bemali ephathwayo nama-stablecoin alawulwayo ezinhlotsheni zemali zase-Afrika eziyi-12, izinhlobo zemali eziyisithupha ezigcinelwa isibambiso, ama-stablecoin amabili alawulwayo namapheya emali asebenzayo angaphezu kwama-40.

Kungani lokhu kubalulekile

Umkhiqizo othakazelisayo akusiyo nje enye indlela yokuqala inkokhelo. Okwenza umehluko yinjini ethatha izinqumo engemuva kwayo. IJenzy ithi ingakhetha phakathi kwe-SWIFT, imali ephathwayo, i-stablecoin, uhlelo lwendawo lokusula izinkokhelo nezindlela zama-T-bill, bese iguqula umzila uma omunye ungasebenzi, kuyilapho igcina isikhathi sokufika esithenjisiwe.

Lokhu kuyisixazululo esisebenzayo emakethe lapho umbiko uthi cishe inkokhelo eyodwa kwezine phakathi kwamabhizinisi iyehluleka noma iyama endleleni. Kunoma ubani owakha imisebenzi ewela imingcele, inkokhelo ebambeke phakathi kweNigeria neKenya akusona nje isiphazamisi esibonakala kudeshibhodi. Ingabambezela isitoko, ukukhokhwa kwamaholo, ukwethembana kwabahlinzeki kanye nokuthunyelwa okulandelayo. Ukukwazi ukubona umzila wenkokhelo nesimo sokufika kwayo kwenza inqubo ebingacaci ibe yinto ithimba lokusebenza elingakwazi ukuyilawula.

Umbuzo ongakaphendulwa ngowobukhulu bayo: alidalulwanga inani lotshalomali, namavolumu eJenzy, inani lamakhasimende noma imali engenayo. Nokho, lokhu kusekelwa kubalulekile ngoba iKili ithi isiza izinkampani ezikuphothifoliyo yayo ngamasu emakethe, ukusebenza, ukuqongelela uxhaso nokuxhumana nabatshalizimali bamazwe ngamazwe. Umkhiqizo osebenzisa izindlela eziningi uba wusizo kakhudlwana lapho inethiwekhi yawo yozakwethu abanelayisensi kanye nemizila ekwazi ukuyisebenzisa ikhula.

Indlela imiphumela engasabalala ngayo

Utshalomali lweKili lungasiza iJenzy yandise amandla omkhiqizo, inani lozakwethu noma imizila yayo. Uma lokho kwenzeka kuyilapho ozakwethu abanelayisensi nezindlela zokukhokha kusatholakala, amabhizinisi asebenzisa imizila esekelwayo angaba nezinye izindlela ezengeziwe uma kukhona okungahambi kahle, kanye nokulandelela izinkokhelo okucacile.

Lokhu kudala ingcindezi yokuncintisana engabonakali kakhulu kubahlinzeki abaxhunyiwe. Indlela engatholakali ngesikhathi ukudluliswa kwemali kufanele kuqhubeke ingase isetshenziswe kancane njengoba iJenzy ikhetha enye indlela. Ukuthembeka kugcina kubonakala ezinqumweni zomkhiqizo zokukhetha umzila, hhayi nje esithembisweni esisencwadini yokuthengisa.

Ukuhlolwa komthelela

• IJenzy: Kungenzeka ithole imali nokufinyelela osizweni lweKili olumenyezelwe kwezokusebenza nasekuqongeleleni uxhaso emasontweni azayo.
• Amabhizinisi athumela futhi athola izinkokhelo eziwela imingcele: Angase abone ukudluliswa kwemali okumbalwa okubambekayo kanye nokubonakala okungcono kwemizila ezinyangeni eziyi-6–12 ezizayo, lapho iJenzy isebenza khona nozakwethu abasebenzayo.
• Amabhange, abahlinzeki bemali ephathwayo nama-fintech: Bangase bathole ukwanda kokuthengiselana ngokubamba iqhaza, kodwa imizila engathembekile kangako ingase idlulwe lapho ezinye izindlela zisebenza.

Lolu chungechunge luyaphazamiseka uma uxhaso lungaholeli ekunwetshweni, uma ukuthobela imithetho noma amandla ozakwethu kukhawulela indawo efakwe yinsiza, noma uma ukutholakala kwezindlela zokukhokha kuncipha.

Izimo ezingaba khona

Okungenzeka kakhulu

Umbono wethu (ukuqagela okunolwazi): Ezinyangeni eziyi-6–12 ezizayo, iJenzy ingase iqinise imizila ethile noma ubudlelwano obuthile, bese iheha amabhizinisi abona ukubaluleka kwendlela yokubuyela emuva njengendlela yokuqala esheshayo. Lokhu kuncike ekutheni ozakwethu abanelayisensi baqhubeke betholakala nokuthi ukukhula kokuqala okubikiwe kuphenduke ukusetshenziswa okuqhubekayo; ozakwethu abasha, amapheya emali, amabhizinisi asebenzayo nemiphumela yokuguqulwa kwemizila ekusebenzeni kungasekela le ndlela.

Uhlangothi oluhle

Uma iJenzy ikhombisa ukuthi iyakwazi ukuguqula imizila ngokuthembeka kuwo wonke amapheya ayo emali asebenzayo angaphezu kwama-40, amabhange, abahlinzeki bemali ephathwayo nama-fintech bangase bandise umzamo wokuhlanganisa inkundla yayo nezinhlelo zabo. Lokho kungenza iJenzy ibe yingxenye ebaluleke kakhudlwana yokusebenza ekuhambeni kwezimali eziwela imingcele, kuyilapho amabhizinisi eya ngokuya esebenzisa imininingwane yomzila nesimo sokufika ukuze alawule izinkokhelo.

Uhlangothi olubi

Uma utshalomali olungadalulwanga lungaholeli ekwandeni okwanele kozakwethu, emandleni okuthobela imithetho noma ekutholakaleni okuthembekile kwezindlela zokukhokha, iJenzy ingase igcine isebenza kuphela ezindaweni esezivele izifaka ezinyangeni eziyi-6–12 ezizayo. Amabhizinisi angaphandle kwaleyo mizila asazobhekana nenkinga endala: izindlela zokukhokha ezingama endleleni ngaphandle kwenye indlela esebenzayo.

Okufanele kubhekwe ngokulandelayo

• Ozakwethu abasha abanelayisensi, ukwanda kwamazwe afakwe yinsiza noma amapheya emali amasha avela eJenzy.
• Ubufakazi bokusebenza bokuthi ukudluliswa kwemali okuqondiswe kwenye indlela kugcina izikhathi zako ezithenjisiwe zokufika.
• Ukuhlanganiswa okunwetshiwe noma ukusetshenziswa okwengeziwe kwezinkokhelo ngamabhange, abahlinzeki bemali ephathwayo nama-fintech.