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非洲现金贷观察:新的Google应用规则禁止借款人快速移动贷款!|出海非洲现金贷岛群第22期

2020-02-02 20:18:24

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综上所述


•周三发布的新Google Play开发者政策为受影响的公司提供了30天的遵守期限。

 

•这项新政策预计将极大地影响肯尼亚蓬勃发展的移动贷款应用行业,而该行业主要针对Android用户。

 

google-play-store-policies-hero

Google现在希望所有使用其Play商店平台的移动贷款应用程序都可以确保贷款的还款期不低于60天。

周三发布的新Google Play开发者政策规定,受影响的公司有30天的时间可以遵守。

 

谷歌表示:“我们不允许发布宣传个人贷款的应用,这些应用要求在贷款发放之日起60天内或更短时间内全额还款。”

 

它说,开发个人贷款应用程序的开发人员需要在元数据中包含有关贷款产品的数据,以使其能够验证该应用程序不收取天文利息,这在“发薪日贷款”中很常见

 

预计新政策将极大地影响肯尼亚蓬勃发展的移动贷款应用行业,而该行业主要针对Android用户。

 

分析平台SameWeb的最新数据显示,在Google Play商店中排名前10位的免费应用程序中,有四项来自金融类别,并且全部提供每月贷款。

 

昨天,美国领先的移动借贷应用程序Tala在Google App Store上拥有超过500,000的订户。该公司表示,它正在分析该政策,以检查新规定是否适用于全球或仅适用于美国市场。

 

“我们尚未收到Google的任何来信。目前尚不清楚新政策是否适用于美国市场或全球市场,’塔拉(Tala)的传播官Kevin Kaburu说。

 

Star对两个流行的数字借贷应用程序收取的利率进行的抽查显示,Tala在21天和11天(或30天或15天)内收取11%的固定利率。

 

到目前为止,Tala自2014年3月以M-Kopo Rahisi身份推出以来,已向超过100万客户提供了超过560万笔贷款,价值300亿先令。

 

另一方面,Branch International制定了灵活的每周付款计划,根据该计划,借入Sh500的客户在四个星期内总共要支付76 Sh的利息。这相当于每月15.2%。

 

自2015年4月推出以来,截至2017年年中,该行已向350,000个客户发放了150万笔贷款,价值36.3亿先令。

 

每月平均利率为15%,每年的年定价率(APR)为180%,远高于肯尼亚中央银行根据利率上限法确定的最高限额13%。

 

在美国,Google不允许APR达到36%或以上的个人贷款应用。

 

肯尼亚中央银行行长帕特里克·恩约罗格(Patrick Njoroge)坚持认为,数字贷方比乡村小锁更糟糕。

 

“至少夏洛克躲起来了。这些平台在使肯尼亚人陷入贫困的同时公开喊着自己,” Njoroge于去年8月告诉国会通讯,信息和创新委员会。

 

肯尼亚金融服务加深局(FDS)去年8月发布的一份数字贷款报告显示,该国有49家数字信贷提供商,并且每年都会推出一个新的数字信贷提供商。

 

FSD和CBK最近的报告显示,移动应用程序贷款的可获取性可能使肯尼亚的借款人陷入债务陷阱,这表明50%的家庭被迫向其他地方借钱或出售资产以偿还贷款。

 

根据这项调查,几乎有70%的18岁及以上拥有个人贷款的成年人都经历了至少两种或两种以上的情况,这表明存在债务压力的迹象。


New Google app rules to deny borrowers quick mobile loans

In Summary

•The new Google Play Developer Policy published Wednesday gave affected companies 30 days to comply.

 

•The new policy is expected to greatly affect the booming mobile lending app industry in Kenya that mostly targets android users.

 

google-play-store-policies-hero

Google now wants all mobile loan apps using its Play Store platform to ensure the repayment period for loans is not below 60 days. 

The new Google Play Developer Policy published Wednesday gave affected companies 30 days to comply.

 

“We do not allow apps that promote personal loans which require repayment in full in 60 days or less from the date the loan is issued”,’’ Google said.

 

It said developers working on personal loan apps need to have data about the loan product in the metadata that allows it to verify the app is not charging astronomical interest, which is common with “payday loans’’

 

The new policy is expected greatly affect the booming mobile lending app industry in Kenya that mostly targets android users.

 

Latest data from analytics platform SimilarWeb shows that out of the top 10 free apps on the Google Play Store, four are from the finance category and all of them offer monthly loans.

 

Yesterday, Tala, the leading mobile lending app in the country with over 500,000 subscribers on Google App Store said it was analysing the policy to check if the new rules will be applicable globally or just in US market.

 

“We are yet to get any communication from Google. It is not clear if the new policy is applicable in US market or globally,’’ Kevin Kaburu, a communication officer at Tala said.

 

A spot check by the Star on interest rates charged by two popular digital lending apps shows that Tala charges fixed interest of 11 per cent for 21 days and 15 per or 30 days.

 

To date, Tala has disbursed over 5.6 million loans worth Sh30 billion to over one million customers since its launch in March 2014 as M-Kopo Rahisi.

 

Branch International on other hand has a flexible weekly payment plan under which customers who borrow Sh500 pay a total of Sh76 as interest in four weeks. This is an equivalent of 15.2 per cent per month.

 

By mid-2017 Branch had disbursed 1.5 million loans worth Sh3.63 billion to 350,000 customers since its launch in April 2015.

 

The average monthly interest of 15 per cent to an Annual Pricing Rate (APR) of 180 per cent per year, way above a maximum limit of 13 per cent set by Central Bank of Kenya under the interest cap law.

 

In US, Google do not allow apps for personal loans that charge APR of 36 per cent and above.

 

Central Bank of Kenya (CBK) governor Patrick Njoroge has insisted that digital lenders are worse than village shylocks.

 

“At least shylocks hide. These platforms shout about themselves openly while impoverishing Kenyans,” Njoroge told the Parliamentary Committee on Communications, Information and Innovation in August last year.

 

A report on digital lending released by Financial Services Deepening Kenya (FDS) in August last year shows that there are 49 digital credit providers in the country, with a new one launching every year.

 

The accessibility of mobile app loans risk turning borrowers in Kenya into debt trap, with recent report by FSD and CBK indicating that 50 per cent of households are forced to borrow elsewhere or sell assets to repay loans.

 

According to the survey, almost 70 per cent of adults aged 18 years and above with personal loans have experienced at least two of those conditions or both, illustrating signs of debt stress.

 



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