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非洲现金贷观察:PesaPata App-手机贷款!|出海非洲现金贷岛群第59期

2020-02-02 20:36:16

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介绍

 

斯瓦希里语中的“赚钱”一词是Pesa Pata,它是Paddy Micro Investments的一项创新,在为小型企业提供无抵押贷款并从中获利方面有着出色的往绩。这是一家刮刮卡小额信贷初创公司,通过拥有Pesa Pata刮刮卡的本地商店网络为普通肯尼亚人提供服务。它是一家小额信贷机构,其目标人群是那些可能没有资格在银行获得贷款的低收入人群,以及需要快速现金解决需求的人群。

 

谁有资格申请Pesa pata贷款?

Pesa Pata客户必须是Safaricom的注册客户。要获得大约5肯尼亚先令,000或以下的贷款以供借用,他们需要从任何面额的Pesa Pata代理商处获得Pesa Pata刮刮卡。必须通过付款单号519606支付100肯尼亚先令的注册费。

 

您如何申请Pesa pata贷款?

 

贷款过程

 

Pesa Pata客户必须通过拨打USSD代码* 269#来注册其Safaricom SIM卡,然后执行以下步骤。必须通过付款单号519606支付100肯尼亚先令的注册费。

 

代理商会为客户提供价值在3到59美元之间的Pesa Pata刮刮卡。

然后,借款人刮擦卡以显示PIN。

每张卡都有一个唯一的号码,该号码会加载到客户的手机上。

然后,代理将消息发送到‘222 *,接着是PIN到0707 000 222。

然后,这笔款项会存入客户的M-pesa帐户。

当客户以低于10%的利率偿还贷款时,代理商会在每次销售中获得佣金。

 

怎么运行的

 

卖方通常是一家小商店或售货亭的主人,给客户一个他们信任的刮刮卡,价值在Ksh.250到Ksh.5,000之间。该客户刮刮卡以显示他们加载到手机上的秘密号码,记入Safaricom的M-Pesa帐户的短期贷款。他们必须在不到30天的时间内偿还贷款本金以及5%至10%的利息。售货亭所有者从利息中获得收入。

 

Pesa Pata模型完全取决于自助服务亭所有者及其客户之间的信任程度,事实证明这是非常成功的。

 

我该如何偿还我的Pesa Pata贷款?

 

要还款,请按照下列步骤操作:

1.在手机的Safaricom菜单中导航到MPesa

2.选择Lipa na M-PESA

3.选择付款单选项

4.输入付款单号315055

5.对于帐号,输入您收到PesaPata贷款的MPesa号码

6.输入您的还款额

7.输入您的M-PESA密码

8.确认所有详细信息正确无误,然后按“确定”。

 

担保,利息和期限

 

最低贷款额为2 000 000肯尼亚先令,最高贷款额为20 000 000肯尼亚先令。还款期限为一星期至一个月。贷款利率为5 – 10%。贷款通过M-pesa支付。尽管快速简便,并且是通过代理商和客户之间的信任来发行的,但Pesa Pata快速贷款在发行之前也需要抵押品。代理商也为卡付款。

 

的优点和缺点

 

Pesa Pata减轻了人们在银行机构排队的痛苦,并充当了紧急贷款,适合边缘化或没有银行业务的人。 Pesa Pata依靠代理商对客户的信任,因此,如果您不知道任何代理商,就无法从该平台借钱。它还需要抵押品,因此如果没有抵押品,您将无法获得贷款。

 

 



PesaPata App -Mobile Loans

Introduction

 

Pesa Pata, Swahili word for ‘get money’, is an innovation by Paddy Micro Investments which has an excellent track record for providing unsecured loans to small business and making a profit at it. It is a scratch card micro credit startup serving ordinary Kenyans through a network of local shops stocked with Pesa Pata scratch cards. It is a micro-finance institution that aims at the low-income bracket people who might not qualify to get loans in banks and those who need quick cash to solve a need.

 

Who is Eligible to apply for a Pesa pata loan?

Pesa Pata clients must be registered customers of Safaricom. To get loans of around Ksh.5, 000 or below, for one to borrow, they will need to get a Pesa Pata scratch card from a Pesa Pata agent of whatever denomination. There is a registration fee of Ksh.100 to be paid via pay bill number 519606.

 

How do you apply for Pesa pata loan?

 

Process of getting the loan

 

Pesa Pata clients must register their Safaricom SIM cards by dialing the USSD code *269# and follow the next steps. There is a registration fee of Kshs.100 to be paid via pay bill number 519606. 

 

Customer is given a Pesa Pata scratch card of value between $3 and $59 by an agent.

The borrower then scratches the card to reveal a PIN.

Each card has a unique number that is loaded onto the customer’s mobile phone.

The agent then sends a message to ‘222*followed by the PIN to 0707 000 222.

The amount is then credited to the customer’s M-pesa account.

The agent gets a commission on every sale while the customer repays the loan at an interest rate less than 10% interest rate.

 

How it works 

 

A vender, normally a small shop or kiosk owner, gives a client they trust a scratch card worth between Ksh.250 and Ksh.5, 000. The client scratches the card to reveal a secret number that they load onto their mobile phone and are credited a short-term loan on a Safaricom’s M-Pesa account. They must repay the loan principle, plus a five to ten percent interest, in less than thirty days. The kiosk owner derives income from the interest.

 

The Pesa Pata model is completely dependent on the level of trust between the kiosk owners and their customers, which is proving to be very successful.

 

How do I repay my Pesa Pata loan?

 

To make a repayment, follow these steps:

1. Navigate to MPesa in your Safaricom menu on your phone

2. Select Lipa na M-PESA

3. Choose the Paybill option

4. Enter the Paybill number 315055

5. For account number, enter your MPesa number on which you received your PesaPata loan

6. Enter your repayment amount

7. Enter your M-PESA pin

8. Confirm that all details are correct and press ‘OK’.

 

Security, Interest and Time limit

 

Minimum loan amount is Kshs.2, 000 and maximum loan amount is Kshs.20, 000. Repayment duration is between one week and one month. Loan interest rate is 5 – 10%. Loan disbursement is via M-pesa. Though fast and simple and issued on trust between agent and customer, Pesa Pata quick loans also require collateral before they are issued. The agents pay for the cards too.

 

Advantages and Disadvantages

 

Pesa Pata saves people the pain of queues in banking institutions and act as emergency loans and is suitable for the marginalized or unbanked. Pesa Pata depends on the agent trust to a customer and hence if you don’t know any agent you can’t borrow from this platform. It also requires collateral hence without it you do not have accessibility to the loans.

 

 

 



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