KAFO Jiginew

Mali ka wari-jiginsigi kafo dɔgɔmanw cɛ la, Kafo Jiginew ye kafo min ka fanga ka bon ani min ka bonya ka bon. Kafo in bɛ Mali sigida bɛɛ la, ka wari-ko dɛmɛ di mɔgɔ milan kɛnɛni naani ni kɛnɛw suuru ni segi (448 000) ni kɔ la. A bɛ jiginsigi minnu bɛ bolo sisan, olu mara min bɛ se CFA faransi miliyar kɛnɛni naani ni dugu tan ni jɛmɛ dɔ. A ka koɲɛw, minnu bɛ tali kɛ kafo-jiginsigi labɛn na, foroba-yɔrɔw laɲini la, ani jiginsigi-koɲɛw bɛnbaliya caman na, o bɛ a yɔrɔ tigɛ maritɛ la, ka wari-jiginsigi kɛɲɛ kɛɲɛ kɛnɛ naani kɛnɛ (40 kɛnɛ) ye Mali kɔnɔ.

Kafo Jiginew ye kafo ye min bɛ baara kɛ kɔnɔna caman na, a labɛnna san 1987 zuwɛn tile kɔnɔntɔn ni kɔnɔntɔn na, ka kɛ wari-jiginsigi kafo dɔgɔman ye min bɛ baara kɛ kafo-jɛɲɔgɔnya labɛn na. A ka baara-ɲɛ ka bon, k’a daminɛ foroba denw la minnu bɛ baara kɛ sene-ko la (fɔlɔ kɔtɔn-kɛlaw), bololabaara-kɛlaw, sɔgɔsɔgɔnɛ-kɛlaw dɔgɔmanw, ani foroba muso minnu bɛ wari-jiginsigi ni wari-don-kɔntu ɲini. Kafo in ye jɛɲɔgɔnya kafo ye, min bɛ baara kɛ kafo kɛnɛni kɔnɔntɔn (19) ni kɔ la, ani min ka jamanadenw ye a ka mɔgɔ minnu bɛ wari-don. A bɛ dɛmɛ don Mali denw ka fanga ka bonya, ka u dɛmɛ ka u ka baara kɛɲɛw lafili ka u ka ɲɛnamaya diɲɛ bonya.

Jiginsigi-koɲɛw ni Fànko-koɲɛw

Kafo Jiginew bɛ jiginsigi-koɲɛw bɛnbaliya caman di a ka mɔgɔw ma, k’a sigi u ka jɔyɔrɔ ni u ka baara-ɲɛw kan:

• Kɔtɔn-baara Jiginsigi (CCA): Nin ye jiginsigi ye min bɛ kɛ wagati dɔ kɔnɔ, a bɛ di foroba-kɛlaw ma walasa u ka se ka u ka kɔtɔn-baara koɲɛw sɔrɔ, ani baara-kɛla sɔngɔ furu. Nin jiginsigi-kɛɲɛ bɛ kafo ka jiginsigi fanba tigɛ, ka kɛ kɛnɛw bisaw ni kɛnɛw bisaw tan ni jɛmɛ dɔ (75%) ye. Jiginsigi-kɛɲɛ bɛ tali kɛ kɔtɔn-kɛɲɛ ka bonya la; a ka ca a la, o bɛ kɛ CFA 100 000 ni CFA 1 000 000 cɛ.
• Jiginsigi ni Wari-don ni Kalan (CEE): Nin ye kafo-jiginsigi ye min bɛ di musow ka baara dɔgɔmanw ma. A ka ca a la, a ka bonya bɛ kɛ CFA 29 000 ye, nka a bɛ se ka kɛ CFA 150 000 ye. A ka wari-cɛ ye kɛnɛ saba kɛnɛ (3 kɛnɛ) ye kalo bɛɛ kan kɔfɛ, o bɛ jigi ka kɛ kɛnɛ fila kɛnɛ (2 kɛnɛ) ye.
• Baara Jiginsigi Sigi (Standard Business Loans): Nin ye jiginsigi ye min bɛ kɛ sɔgɔsɔgɔnɛ-kɛlaw dɔgɔmanw ni bololabaara-kɛlaw ka baara-ɲɛw kama. A ka bonya tɛ fɔ fili la, nka a bɛ labɛn ka bɛn klijan ka baara-ɲɛ ma.

Wari-cɛw, Sɔngɔw ni Jiginsigi Labɛnw

• Wari-cɛw:
  • CEE jiginsigi la, san-na-wari-cɛ bɛ kɛ kɛnɛ suuru ni kɛnɛ bisaw (36 kɛnɛ) ye fɔlɔ wagati suuru kɔnɔ, o kɔfɛ a bɛ jigi ka kɛ kɛnɛ bisaw ni kɛnɛ bisaw naani (24 kɛnɛ) ye.
  • CCA jiginsigi la, san-na-wari-cɛ bɛ kɛ kɛnɛ bisaw ni kɛnɛ kɔnɔntɔn ni kɛnɛ bisaw naani (18 kɛnɛ – 24 kɛnɛ) ye.
• Sɔngɔw:
  • Jiginsigi daminɛ-sɔngɔ: kɛnɛ dɔ ni kɛnɛ fila kɛnɛ (1 kɛnɛ – 2 kɛnɛ) ye jiginsigi ka bonya la.
  • Baara-sɔngɔ: CFA 1 000 sigilen.
  • Jiginsigi furu teliya min tɛ kɛ: kɛnɛ dɔ kɛnɛ (1 kɛnɛ) ye kalo bɛɛ kan jiginsigi min tɛ furu.
• Jiginsigi Labɛnw ni Furu-koɲɛw:
  • Kafo-jiginsigi bɛ kɛ kalo saba ni kalo bisaw ni kalo fila (3 – 12) cɛ la, ka furu kɛ dɔgɔkun bɛɛ walima kalo bɛɛ.
  • CCA jiginsigi bɛ bɛn kɔtɔn-baara wagati ma (kalo suuru ni kalo segi). CEE jiginsigi ka ca a la kalo suuru ni kɔ la.
• Jaabi-ɲɛw (Collateral):
  • Kafo-jaabi: "Jɛɲɔgɔnya Kafo" minnu bɛ kɛ mɔgɔ dɔgɔkun ni mɔgɔ suuru (5 – 7) ye, olu bɛ jaabi diɲɛ u yɛrɛ la, o kama jɛnɛ-koɲɛ tɛ CEE jiginsigi la.
  • Mɔgɔ-kelen-jaabi: Jiginsigi minnu ka bon, o la i bɛ se ka mɔgɔ-jaabi walima nɛgɛ-lafili-koɲɛw ɲini.

Wari Jiginsigi ɲinini-koɲɛw

Kafo Jiginew bɛ baara kɛ klijanw ka dɛmɛ lajɛli la, ka yɔrɔw bɛnbaliya caman di u ma walasa u ka se ka jiginsigi ɲini:

• Kafo-yɔrɔw (Physical Branches): Kafo Jiginew ka yɔrɔ mili kan ni yɔrɔ bisaw (150+) bɛ Mali sigida bɛɛ la, yɔrɔ kɛnɛni bisaw ni segi ni kɛnɛ bisaw (128) ye foroba yɔrɔw la.
• Telefoŋɛ-aplikasiyɔn (Jiginew Tamana): Aplicasiyɔn in bɛ Android telefoŋɛw kan. A bɛ dɛmɛ don ka fànko-ɲinini kɛ, wari-lafili kɛ, ani ka kafo-yɔrɔw ɲini.
• Sama Money Jɛɲɔgɔnya: Kafo Jiginew bɛ baara kɛ Sama Money fɛ walasa ka klijanw don kafo la telefoŋɛ-lafiwili fɛ.

Klijan-koɲɛw (KYC) ni Kafo-don

Walasa ka kɛ Kafo Jiginew ka mɔgɔ ye, i ka kan ka wari-don-kɔntu da (min CFA 5 000). O kɔfɛ, i ka kan ka i ka idɛntite lasi (jamana ka idɛntite-karti walima sigida ka jaabi) ani ka i ka sigida laɲini di.

Kiredi-ɲinini ni Jiginsigi-labɛn

Kafo Jiginew bɛ kiredi-ɲinini kɛ kafo-jiginsigi la. O kɔfɛ, mɔgɔw bɛ u yɛrɛ laɲini jɛɲɔgɔnya kafo kɔnɔ. Kafo in bɛ baara kɛ ka klijanw ka jiginsigi furu-koɲɛw lajɛ, ka u ka kafo ka baara lajɛ, ani ka u ka wari-koɲɛw lajɛ.

Wari-di-koɲɛw

Ni i ka jiginsigi sɔrɔla, Kafo Jiginew bɛ se ka wari di i ma u ka koɲɛw bɛnbaliya caman na:

• Wari-lafili kafo-kɔntu kɔnɔ.
• Telefoŋɛ-wari-lafili (Mobile money) fɛ.
• Wari-di boli-boli kafo-yɔrɔw la.

Telefoŋɛ-aplikasiyɔn ni Nɛgɛ-lafili

Kafo Jiginew bɛ nɛgɛ-lafili sigi sen kan walasa ka a ka fànko-koɲɛw kɛɲɛn. A ka telefoŋɛ-aplikasiyɔn, min tɔgɔ ye Jiginew Tamana, bɛ Android telefoŋɛw kan. Aplicasiyɔn in bɛ kɛ dɛmɛ ye klijanw ma ka u ka wari-don-kɔntu lajɛ, ka jiginsigi ɲini, ka wari-lafili kɛ, ani ka kafo-yɔrɔw ɲini. A ka fanga ye kɛnɛ saba ni kɛnɛ segi ni kɛnɛ bisaw (3.8 kɛnɛ) ye Google Play Store kan, mɔgɔw bɛ a fɔ ko a ka nɔgɔn baara la, nka a bɛ se ka dɔgɔya wagati dɔw la.

Kafo Jiginew ka webisaiti (www.kafojiginew.org) bɛ klijanw dɛmɛ ka kafo ka koɲɛw lɔn, ka kafo-yɔrɔw ɲini, ani ka fɔw dɔn. U ka Facebook pajɛ fana bɛ news ni klijanw ka jɛɲɔgɔnya la.

Sariɲɛ-Labɛn ni Fanga-koɲɛw

Kafo Jiginew ye wari-jiginsigi kafo ye min ka kan ka sariɲɛw labɛn. A bɛ Mali Wari-ko Minisiteri ka lasiɲɛ mara, ka kɛ wari-jiginsigi kafo Level 2 ye. A bɛ baara kɛ BCEAO (Central Bank of West African States) ka sariɲɛw kɔnɔ. A bɛ baara kɛ ka sariɲɛw bɛɛ labɛn, ka san-na-audit kɛ, ani ka baara kɛ ka klijanw ka koɲɛw dɛmɛ, k’a daminɛ sɔngɔ-koɲɛw lasiɲɛ la, jiginsigi-insuransi-koɲɛw la, ani ka klijanw ka gɛlɛya-koɲɛw lɔn.

Maritɛ-yɔrɔ ni Dɛmɛn-ɲɔgɔnw

Kafo Jiginew bɛ maritɛ-yɔrɔ kɛɲɛ kɛnɛ naani kɛnɛ (40 kɛnɛ) ye Mali ka wari-jiginsigi kɛɲɛ kɔnɔ, k’a kɛ kafo min ka fanga ka bon ye. A ka dɛmɛn-ɲɔgɔnw cɛ la, i bɛ se ka Baobab, Soro Yiriwaso, ani PAMF-BF sɔrɔ. Nka, Kafo Jiginew ka fara-koɲɛw bɛ a tigɛ u la:

• Foroba yɔrɔw laɲini min ka bon, kafo-jɛɲɔgɔnya kɔnɔ.
• Kafo-jiginsigi labɛn min bɛ jaabi-koɲɛw dɔgɔya.
• Jɛɲɔgɔnya kɛrɛnkɛrɛnnenw ni kafo kɛrɛnkɛrɛnnenw (i n’a fɔ EIB, Grameen Foundation).

Kafo Jiginew bɛ bonya la, ani a bɛ nɛgɛ-lafili sigi sen kan ka dɛmɛ sɔrɔ EIB ni Luxembourg jamana fɛ walasa ka a ka fànko-koɲɛw lafili ka bonya.

Klijanw ka Kɛɲɛnko

Kafo Jiginew ka klijanw ka kɛɲɛnko ka bon. U ka telefoŋɛ-aplikasiyɔn bɛ rating kɛnɛ saba ni kɛnɛ segi ni kɛnɛ bisaw (3.8 kɛnɛ) ye. Klijanw bɛ fɔ ko wari-lafili ni jiginsigi lajɛli ka nɔgɔn, nka wagati dɔw la, aplikasion bɛ se ka dɔgɔya.

Gɛlɛya dɔw minnu bɛ fɔ, olu ye jiginsigi-laɲini furu teliya min tɛ kɛ wagati dɔw la, ani san-na-wari-cɛ min ka bon jiginsigi dɔgɔmanw la. Nka, kafo in bɛ baara kɛ ka klijanw ka gɛlɛya-koɲɛw lɔn, ka dɛmɛ di yɔrɔw la, ani ka gɛlɛya-koɲɛw furu teliya kɔnɔ.

Kafo Jiginew ka jiginsigiw dɛmɛna musow caman ka baara-ɲɛw bonya, ka u ka nɔgɔw bonya ani ka u ka sɔgɔsɔgɔnɛ-yɔrɔw bonya, ka u ka denbaya ka wari-koɲɛw bonya kɛnɛ bisaw ni kɛnɛ bisaw saba (30 kɛnɛ) ye san bɛɛ kan.

Lajɛw Jiginsigi ɲini-kɛlaw Fɛ

Ni i bɛ miiri ka jiginsigi ɲini Kafo Jiginew fɛ, koɲɛw dɔw bɛ minnu ka kan ka kɛɲɛn:

1. Lajɛli kɛ i ka klijan-koɲɛw kan: I ka kan ka i ka idɛntite-karti ni i ka sigida-lasi-yɔrɔ bɛɛ sigi sen kan.
2. Wari-don-kɔntu da: I ka kan ka wari-don-kɔntu da ni min CFA 5 000 ye. O bɛ i kɛ kafo ka mɔgɔ ye.
3. Kafo-jɛɲɔgɔnya: Ni i bɛ CEE jiginsigi ɲini, i ka kan ka kɛ "Jɛɲɔgɔnya Kafo" ka mɔgɔ ye. O bɛ i dɛmɛ ka jiginsigi sɔrɔ ni jaabi-koɲɛw dɔgɔman ye.
4. Wari-cɛw ni Sɔngɔw lɔn: Kafo Jiginew bɛ wari-cɛw ni sɔngɔw lasi fili la. I ka kan ka olu bɛɛ lɔn ka jiginsigi ɲini.
5. Jiginsigi furu-koɲɛw lajɛ: I ka kan ka i ka jiginsigi furu-koɲɛw lɔn ani ka i ka furu-plan labɛn ka bɛn o ma. Jiginsigi furu teliya min tɛ kɛ, o bɛ se ka sɔngɔ kɛ.
6. Aplikasiyɔn baara: I bɛ se ka u ka Jiginew Tamana aplikasion baara ka jiginsigi ɲini, i ka wari-don-kɔntu lajɛ, ani ka wari-lafili kɛ.
7. Foroba-yɔrɔw laɲini: Kafo Jiginew ka fanga ka bon foroba-yɔrɔw la. Ni i bɛ foroba-yɔrɔ la, o bɛ se ka jiginsigi sɔrɔli kɛ nɔgɔn ye i yɛrɛ ma.

Kafo Jiginew bɛ dɛmɛ don Mali ka denbaya la, k’a kɛ wari-jiginsigi kafo ye min ka fanga ka bon ani min ka bonya ka bon. A bɛ wari-ko dɛmɛ di mɔgɔw ma ka u ka ɲɛnamaya diɲɛ bonya. Ni i bɛ i ka baara dɔgɔman bonya walima i bɛ wari-ko dɛmɛ ɲini, Kafo Jiginew ye yɔrɔ ye min bɛ se ka dɛmɛ di i ma.