daba finance

Daba Finance: Wari-ko Kɔlɔnsi Mali Kɔnɔ

A ka fɔ ka faamu ko daba finance ye kɔlɔnsi ye min sigira Ameriki (Miami) san 2021, min bɛ kɛ sababu ye mɔgɔ minnu bɛ wari jɔ ka bɔ diɲɛ fan bɛɛ la ka wari jɔ Afiriki ka wari-ko la. A k’a jira ko daba finance tɛ lafiniw di mɔgɔ si ma Mali kɔnɔ walima yɔrɔ wɛrɛ la. A ka baara bɛ sigi kan ka mɔgɔw dɛmɛ ka wari jɔw kɛ, i n’a fɔ jɔnsigi (equity), kulɛnsiw (bonds), ani wari-jɔ kalawu kɔnɔ (venture investments) Afiriki ka jamana minnu ka baara bɛ taa ɲɛ la.

Daba Finance (min ka tɔgɔ yɛrɛ ye Daba Markets Inc. Ameriki kɔnɔ) ka sigili ma kɛ lafiniw di Mali kɔnɔ. A ka baara dalen bɛ ka wari-jɔ kɔlɔnsi di min bɛ mɔgɔw ka wari jɔ kɛ diɲɛ fan bɛɛ la ka taa Afiriki ka kɔlɔnsiw la. O kɔlɔnsi bɛ baara kɛ ni fonin-kɛnɛ (mobile app) ye ani web-site, o bɛ minnu dɛmɛ ka wari jɔ startup (kalawu kura) ni kulɛnsiw kɔnɔ walima wari jɔ kalan-kala yɛrɛw kɔnɔ. Minnu bɛ wari-jɔ fɛ ani ka Afiriki ka wari-ko ɲini, olu ka yɔrɔ ye daba finance ye.

Daba Finance Ka Baara Don, Lafini Tɛ

A ka fɔ ko daba finance tɛ lafiniw di. O kɔlɔnsi ma sigi kan ka lafini di mɔgɔ yɛrɛw ma, baarakɛlaw ma, walima SMEw ma Mali kɔnɔ walima yɔrɔ si la. A ka baara kɛrɛnkɛrɛnnenw ye:

• Jɔnsigi ni Wari-jɔ kalawu kɔnɔ (Private Equity & Venture Capital): A bɛ kɛ sababu ye mɔgɔw ka wari jɔ startup kuraw kɔnɔ Afiriki la. I bɛ se ka wari jɔ ka daminɛ FCFA 6 500 (o ye sɔngɔ ye min bɛ sɔrɔ $10 kɔnɔ).
• Kuma-sigi Kulɛnsiw (Public Market Securities): A bɛ kɛ sababu ye mɔgɔw ka jɛ ka wari jɔ Afiriki ka kuma-sigi walima kulɛnsiw (stocks, bonds, IPOs) kɔnɔ, o bɛ kɛ ni jɛɲɔgɔnya ye ni yɔrɔ-yɔrɔ baarakɛlaw ye.
• Wari-jɔ Kalawu Kɔnɔ (Managed Funds): A bɛ wari-jɔw di minnu dalen bɛ Afiriki ka wari-ko la.
• Wari Ni Kalawu Camana (Multi-Currency Support): A bɛ kɛ sababu ye mɔgɔw ka wari ta ani ka wari jɔ wari camana kɔnɔ (USD, FCFA, etc.).

A ka fɔ ka faamu ko sababu min tɛ lafini di, o la, a tɛ lafini sɔngɔ, walima jigitigɛ sɔngɔ (APR), walima lafɔli sɔngɔ yɛrɛ si di.

Wari-jɔ Sɔngɔw, Jatew Ni Layiduw

Sababu min tɛ lafini di, daba finance tɛ jigitigɛ sɔngɔ (interest rates) walima jigitigɛ sɔngɔ yɛrɛ si di. Nka, i n’a fɔ wari-ko kɔlɔnsi bɛɛ, a bɛ sɔngɔw ta baara kɛli la:

• Baara Sɔngɔ (Transaction Fees): Baara sɔngɔ bɛ sɔrɔ baara kɛli yɔrɔ camana la, i n’a fɔ i ka wari doni, i ka wari bɔli, walima wari kalawu yɛlɛnni.
• Sɔngɔ-jɛli (Transparent Fee Schedules): Daba Finance k’a jira ko a ka sɔngɔw jɛlen bɛ. A ka bonya ka o sɔngɔw kalon ka ɲɛ ani ka olu faamu i ka jigitigɛ fɔlɔ ka ɲɛ.

O ka bonya ka baara sɔngɔw faamu ka ɲɛ, walasa ka dɔn i ka jigitigɛ bɛ sɔngɔ dɔ min na.

Daba Finance Ka Mobile App Ni A Ka Baara Kɛli

Daba Finance ka baara bɛ kɛ ka fonin-kɛnɛ app (mobile app) ani web-site. O app bɛ sɔrɔ iOS ni Android foninw kan. Android fonin kan, a bɛ sɔrɔ ka taa ɲɛla ka bonya ka tɛmɛ baara kɛlaw 50 000 kan, ani a ka sɔngɔ ye kulu 4.1 ye (kulu 5 kɔnɔ).

A Ka Baara Kɛli Ni A Ka Fonin-kɛnɛ App

• App Sɔrɔli: A bɛ sɔrɔ iOS 12+ foninw kan ani Android foninw kan.
• Baara-kɛli Kɛrɛnkɛrɛnnenw:
  • Jigitigɛ kuraw ɲini ni sɔrɔli.
  • Wari-jɔ kalawu kɔnɔw latigɛli.
  • I ka wari-ko kɔlɔn waati yɛrɛ yɛrɛ la.
  • Aw ka mɔgɔya sigasiga (KYC) baara-jɛli.
• Mɔgɔw Ka Faamu: Baara kɛlaw dɔw k’a fɔ ko baara sɔngɔw bonya, ani ko baara dɔw kɛli bɛ kɔfɛ dɔɔnin. O la, a ka bonya ka sabati ani ka o fanw lajɛ ka ɲɛ i ka baara fɔlɔ ka ɲɛ.

Regili Ni Layiduw

Daba Finance ye kɔlɔnsi ye min dalen bɛ regili la. A dalen bɛ Ameriki SEC ka layiduw la (Registered Investment Advisor). A bɛ PADSS ni PCIDSS ka layiduw minnu ka bonya lajɛ ka ɲɛ wari jɛli ni tali la. Afiriki kɔnɔ, a bɛ baara kɛ ni jɛɲɔgɔnya ye ni yɔrɔ-yɔrɔ baarakɛlaw ye minnu bɛ layiduw lajɛ ka ɲɛ. A ka fɔ ka faamu ko daba finance tɛ lafini di kɔlɔnsi ye Mali kɔnɔ, o la, a tɛ lafini baara ka layidu yɛrɛ si di Mali kɔnɔ.

Jigitigɛli: Daba Finance Ni A Ka Tɔgɔ

Daba Finance bɛ taa ɲɛla kɛrɛnkɛrɛnnen Afiriki ka wari-ko kɔnɔ. A ka baara bɛ kɛ ka mɔgɔ minnu bɛ wari jɔ ka bɔ diɲɛ fan bɛɛ la ka jɛ ni Afiriki ka wari-ko ye. A ka taamasiyɛnba ye ko a bɛ wari-jɔ camana di, baara-yɔrɔ kelen kɔnɔ, ka bɔ startup kuraw la ka se kuma-sigi kulɛnsiw ma.

Kanjɛ Ni A Ka Tɔgɔw

• Kanjɛ baarakɛlaw: Mali kɔnɔ, Daba Finance tɛ kanjɛ ni lafini-di kɔlɔnsiw ye, i n’a fɔ banki walima microfinance kɔlɔnsiw, sababu min tɛ lafini di. Nka, a bɛ se ka kanjɛ ni jigitigɛ kɔlɔnsiw ye minnu bɛ Ameriki walima yɔrɔ wɛrɛ la minnu bɛ Afiriki ka wari-ko di, i n’a fɔ Bamboo walima Chaka. Daba ka kɛrɛnkɛrɛnnen ye ko a bɛ jigitigɛ camana di yɔrɔ kelen kɔnɔ.
• Baara Taa-ɲɛli: A daminɛna ni beta baara kɛlaw 500 ye, minnu k’a jira ko u bɛ se ka wari jɔ ka bonya ka tɛmɛ $2.3 million kan. O bɛ jira ko mɔgɔ camana bɛ o baara ɲini.

Fɔli Kɛlaw Ka Lafiniw Ni Kanjɛ Aw Minnu Bɛ Jigitigɛ Fɛ

A ka fɔ ko daba finance tɛ lafiniw di, o la, o fanba bɛ jɛ ni jigitigɛ ye. Kɛrɛnkɛrɛnnenw bɛɛ ka kan ka jɛ ni jigitigɛ ye, lafini tɛ.

Fɔli Kɛlaw Ka Lafiniw

• App ka Jate: Android kan, a ka jate ye kulu 4.1 ye (baara kɛlaw 810 ka lafiya).
• Kofɔli Kɛlaw Ka Kɔfɔli: Mɔgɔ dɔw k’a fɔ ko baara sɔngɔw bonya, ani ko baara kɛli dɔw bɛ kɔfɛ. Kofɔli dɔw yɛrɛ k’a fɔ ko dɛmɛ-baarakɛlaw (customer service) bɛ kɔfɛ dɔɔnin ka jaabi di.
• Seli Fɔli: Mɔgɔw k’a jira ko u ka wari jɔli ka taa ɲɛ, ani ko startup jigitigɛ fɔlɔw sera ka kɛɲɛ.

Kanjɛ Aw Minnu Bɛ Jigitigɛ Fɛ

Aw minnu bɛ jigitigɛ ɲini Afiriki ka wari-ko la ni daba finance ye, a ka bonya ka o kanjɛw lajɛ ka ɲɛ:

• A Faamu Ko Jigitigɛ Don, Lafini Tɛ: A ka fɔ ka faamu ko daba finance ye jigitigɛ kɔlɔnsi ye, lafini di kɔlɔnsi tɛ. Ni i bɛ lafini ɲini i ka baara walima i ka yɛrɛ ka baara dɛmɛni na, i ka kan ka taa banki walima microfinance kɔlɔnsiw fɛ Mali kɔnɔ.
• Daminɛ Ni Dɔgɔya: Aw bɛ se ka daminɛ ni wari dɔgɔya ye (FCFA 6 500) walasa ka kɔlɔnsi ni a ka baara faamu ka ɲɛ.
• Sɔngɔw Faamu: A ka bonya ka sɔngɔw bɛɛ faamu minnu bɛ sɔrɔ i ka baara kɛli la (wari doni, wari bɔli, wari yɛlɛnni).
• Kalan Ka ɲɛ: I ka kan ka jigitigɛ yɔrɔw bɛɛ kalan ka ɲɛ i ka wari jɔli ka ɲɛ. Jigitigɛ ni sɔrɔ ye, nka a bɛ se ka kɛ ni degɛlenw ye.
• Jigitigɛ Ni Degɛlenw: Jigitigɛ bɛ degɛlenw ni kɔfɛ-ko camana ta. A ka bonya ka i ka wari jɔli kɛ ni wari ye min i tɛna sɔn ka tɔɔrɔ a ka teliya ni a bɛ tigɛli kɛ.
• I Ka Wari-ko Layiduw Latigɛ: Jigitigɛ ye baara ye min bɛ kɛ walasa ka wari ni a ka bonya sɔrɔ kɔfɛ. Ni i bɛ wari ɲini waati dɔgɔya la, walima i bɛ wari ɲini i ka waati ka teliya ka baara dɔ kɛ, o yɔrɔ la daba finance tɛ baara-kɛlen ye i yɛrɛ ma.

Daba Finance bɛ diɲɛ kura dɔ sigi jigitigɛ la Afiriki kɔnɔ, min bɛ kɛ sababu ye mɔgɔw ka wari jɔ kalawu camana kɔnɔ ni dɔgɔya ye. Nka, a ka fɔ ka faamu ko a ye jigitigɛ kɔlɔnsi ye, lafini tɛ. O la, ni i bɛ jigitigɛ ɲini Afiriki kɔnɔ, daba finance bɛ se ka kɛ sababu ye i yɛrɛ ma. Nka ni i bɛ lafini ɲini, i ka kan ka taa yɔrɔ wɛrɛ fɛ.