Mali-Yetu

Dugujukɔrɔlamɔgɔw ni wariko sigida kalan kɛlaw, aw bɛɛ ninsin. Bi, an bɛna kuma jɛkulu dɔ kan min tɔgɔ ye ko "Mali-Yetu". Jɛkulu in bɛ kɛrɛnkɛrɛnnenya la, wariko jɛgɛnw di foroba-kɛlaw ma, a bɛ baara kɛ ni nkan-taama (digital platform) ye. Nka, a kɔrɔtaninba ye k’a dɔn ko sɛgɛsɛgɛli la, an ma sɛgɛsɛgɛli sɔrɔ min bɛ jira ko Mali-Yetu jɛkulu yɛrɛ bɛ baara kɛ Mali jamana na. Baara bɛɛ min bɛ kuma in na, o bɛ bɔ Kɛnya jamana la, u ka baara sigida yɛrɛ la.

O la, nin kuma in kɔnɔ, an bɛna Mali-Yetu ka baara dɔnni kɛ Kɛnya la, ani an bɛna ɲɛfɔli kɛ min bɛ se ka kɔrɔtan Mali jamana mɔgɔw ye, nka an bɛna a jira ko u ka baara Mali la tiɲɛ ma da.

Mali-Yetu Jɛkulu ka Dɔnni Fɔlɔ: Kɛnya ka Baara

Mali-Yetu Limited ye jɛkulu ye min sɛgɛsɛgɛra Kɛnya jamana na, a bɛ Africa Warehouse Holdings Limited ka mara kɔnɔ. O ye jɛkulu ye min bɛ foroba-lasigida (agritech) ni nkan-wariko (digital payment) baara kɛ. U ye u ka app bɔ san 2024 desanburukalo la, o bɛ jira ko jɛkulu in labɛnna dɔgɔkun dɔɔnin dɔ.

Baara Sigida ni Kalanden Kɛrɛnkɛrɛnnenw

• Baara Sigida: Mali-Yetu bɛ SasaPay nkan-wolo (digital wallet) labaara foroba-kɛlaw ye. U ka ko kɛrɛnkɛrɛnnen ye foroba-kɔɲɔ sɔrɔli ni wariko jɛgɛnw dilanni ye.
• Kalanden Kɛrɛnkɛrɛnnenw: U bɛ kɛrɛnkɛrɛnnenya la, foroba-kɛlaw dɔgɔw ni fanba-kɛlaw ka wariko jɛgɛnw di, u ka fura-ka-ɲɛsin-sɔrɔli (post-harvest) baara ye.

Kɛrɛnkɛrɛnnenya la, an bɛna a jate k’a jira ko nin baara bɛɛ bɛ kɛ Kɛnya la. Mali jamana kɔnɔ, an ma sɛgɛsɛgɛli sɔrɔ min bɛ jira ko u bɛ baara kɛ sariya nɔ na walima u bɛ sigida yɛrɛ la.

Mali-Yetu ka Wariko Jɛgɛnw (Kɛnya ka Model)

Sɛgɛsɛgɛli min bɛ jira, o bɛ Mali-Yetu ka wariko jɛgɛnw labɛn Kɛnya jamana kɔnɔ. Ni Mali-Yetu jɛkulu bɛna baara kɛ Mali la, o ye fɛɛrɛ ye min bɛ se ka kɛ a ka wariko jɛgɛnw ye.

Wariko Jɛgɛn Kɔnw

• Foroba Micro-Jɛgɛnw: O ye wariko dɔgɔw ye minnu bɛ di foroba-kɛlaw ma. Wariko innu bɛ labɛn ni nkan-ka-kɔɲɔ sɔrɔli sɛbɛnni (digital produce receipts) ye.
• Wolo Jɛgɛnw (Wallet Advances): O ye wariko ye min bɛ di SasaPay wolo kalandenw ma sisan, n’u ka kɔɲɔ di.

Wariko Boli, Sari ni Dugumaw

• Wariko Boli: Kɛnya la, wariko innu bɛ di KES (Kenyan Shilling) la. Wariko dɔgɔninba walima fanbaninba ma jira.
• Sari (Interest Rates): Sari bɛ se ka kɛ san-kelen-kelen kan 12% ni 36% cɛ. O bɛ tali kɛ kalanden ka wariko sigida la.
• Dugumaw (Terms): Wariko labɔli dugumininba ye tile 60 ye, ani dugumafanba ye kalo 12 ye.
• Sara (Fees): Wariko bɔli sara ye KES 50 ye. Ni i ye wariko sɔgɔ fɔlɔ, o la, i ma sara si sɔrɔ. U ma sara kɛrɛnkɛrɛnnen wɛrɛ jira.
• Jiginbaliya: Jɛgɛnw bɛ di jiginbaliya la, nka a kɔrɔtaninba ye k’i ka nkan-kɔɲɔ sɔrɔli sɛbɛnni kɛ.

Ni Mali-Yetu bɛna baara kɛ Mali la, o dugumaw ni sariw bɛ se ka caman, kɔni o bɛ tali kɛ Mali jamana ka wariko sigida sariyaw la. Wariko ka boli bɛna kɛ CFA Frank (XOF) la, o ye Mali ka wariko ye.

Nkan-Taama (Mobile App) ni Kalanden ka Baara

Mali-Yetu ka baara fanba bɛ tali kɛ u ka nkan-taama (mobile application) la. O ye fɛn ye min bɛ se ka kɔrɔtan Mali jamana kɔnɔ, jɔn bɛ se ka wariko jɛgɛnw sɔrɔ a ka telefone kan.

App Kɔnw ni Baara

• App Labɔli: U ka app bɛ Android telefonew kan (APK v2.0.8). An ma iOS app sɔrɔ.
• Baara: App in bɛ se ka wolo (wallet) mara, nkan-kɔɲɔ sɔrɔli sɛbɛnni kɛ, ani wariko jɛgɛn ɲininkali kɛ.
• Telefone App ka Baara: Kɛnya la, app in yɛrɛ ka dɔgɔ (480 downloads), o bɛ jira ko u bɛ labɛn dɔgɔkun dɔɔnin dɔ.

Wariko Jɛgɛnw Ɲininkali ni Labɔli

• Ɲininkali Fɛɛrɛ: Wariko jɛgɛnw ɲininkali bɛ kɛ app kɔnɔ. U bɛ ɲini k’i ka dɔnni kɛ (KYC) ani k’i ka foroba-kɔɲɔ sɔrɔli sɛbɛnni lajɔ.
• Wariko Bɔli: Wariko bɛ bɔ nkan-wolo (SasaPay wallet) la walima banki kontu kɔnɔ.

Mali jamana kɔnɔ, nkan-wariko (mobile money) baara bɛɛ bɛ kɛ ni Orange Money, Moov Africa Money walima Malitel Mobicash ye. Ni Mali-Yetu bɛna baara kɛ Mali la, o kɔrɔ ka kɛ u bɛna baara kɛ ni nin mobile wariko jɛkuluw ye walima u bɛna u yɛrɛ ka wolo labɛn.

Sariya Sigida ni Mali Jamana ka Ladili

Nin ye fɛn ye min kɔrɔtaninba ye warajɛkulu bɛɛ ye. Kɛnya la, Mali-Yetu ka baara bɛ Central Bank of Kenya ka sariyaw kɔnɔ. Nka, Mali jamana kɔnɔ, an ma sɛgɛsɛgɛli sɔrɔ min bɛ jira ko Mali-Yetu bɛ baara kɛ sariya nɔ na walima a ka jɛkulu sɛgɛsɛgɛra Mali la.

Sariya Sigida ka Tiɲɛyaw (Kɛnya)

• Sariya Fɔlɔ: Kɛnya la, u ka baara bɛ Central Bank of Kenya ka sariyaw kɔnɔ, nkan-wariko ani micro-wariko yɛrɛ ka sigida la. Nka, u ma u ka laysansi sɛbɛnni jira fɔlen.
• Lakana Datani: U ka Privacy Policy bɛ Kɛnya ka Data Protection Act ka sariyaw kɔnɔ.

Kuma Kɔrɔtaninba Mali Kalandenw Ye

Kalanden bɛɛ min bɛ ɲini ka wariko jɛgɛnw sɔrɔ nkan-taama fɛ Mali la, a kɔrɔtaninba ye k’i yɛrɛ ka sɛgɛsɛgɛli kɛ. An ma dɔnniya si sɔrɔ min bɛ jira ko Mali-Yetu bɛ baara kɛ sariya nɔ na Mali la. O la, ni i y’u ka tɔgɔ dɔn, o kɔrɔ ka kɛ i ka ɲini k’a dɔn fɔlɔ ni u sɛgɛsɛgɛra Mali jamana na, ani ni u bɛ baara kɛ sariya nɔ na Mali ka wariko sigida (Banque Centrale des États de l'Afrique de l'Ouest - BCEAO) ka sariyaw kɔnɔ.

Ni jɛkulu dɔ ma sɛgɛsɛgɛ Mali la, o kɔrɔ ka kɛ i ka wariko bɛ se ka kɛ kaɲɛ tɛ. Wariko sariw bɛ se ka caman, ani i ka dɔnniya bɛ se ka kɛ kaɲɛ tɛ. Kɔni o kɔrɔtaninba ye k’i yɛrɛ lakana.

Mali Kalandenw ka Ladili Kɔrɔtaninba

Ni Mali-Yetu walima warajɛkulu wɛrɛ bɛna baara kɛ Mali la ni nkan-taama ye, nin ladiliw ye fɛn ye minnu bɛ se ka kɔrɔtan i ye:

• Tiɲɛ Sɛgɛsɛgɛli: Fɔlɔ, i ka ɲini k’a dɔn ni jɛkulu in sɛgɛsɛgɛra Mali jamana na ani ni a ka baara bɛ sariya nɔ na. I ka se ka nin dɔnniya sɔrɔ Mali ka wariko jɛkuluw fɛ (BCEAO).
• Dugumaw Ni Sariw Fana Dɔn: I ka ɲini ka wariko sariw, dugumaw, ani sara bɛɛ dɔn ka ɲɛ. Ni jɛkulu ma o jira, o kɔrɔ ka kɛ i ka ban u ka wariko jɛgɛn ma. Sari bɛ se ka caman walima dugumaw bɛ se ka kɛ kaɲɛ tɛ.
• Lakana Datani: I ka dɔnniya yɛrɛ ka kɔrɔtan. I ka ɲini k’a dɔn ni jɛkulu bɛ i ka dɔnniya lakana ani ni u bɛ baara kɛ ni Mali ka data lakana sariyaw ye.
• Nkan-Taama La: Ni i bɛ app in baara, i ka ɲini ka fɛn bɛɛ dɔn app kɔnɔ ka ɲɛ. I ka se ka dɔnniya caman sɔrɔ jɛkulu ka intɛrinɛti yɔrɔ kan.
• Jɛkulu ka Lasigida: Ni Mali-Yetu bɛ kɛrɛnkɛrɛnnenya la foroba-kɛlaw ka baara kɛ, i ka ɲini k’a dɔn ni o baara bɛ se ka kɛ Mali jamana na, ani ni u bɛ se ka baara kɛ ni Mali ka foroba-kɔɲɔ sɔrɔli sigida ye.
• Kalanden ka Kuma: I ka ɲini ka kalandenw ka kuma wɛrɛw dɔn jɛkulu in kan, nka o bɛ se ka kɛ kaɲɛ tɛ ni jɛkulu ma baara kɛ Mali la.

A ka kɔrɔtaninba ye k’i yɛrɛ lakana nkalon bɛɛ kama. Ni fɛn dɔ y’i la fɛn ye min ka bon, o kɔrɔ ka kɛ i ka sɛgɛsɛgɛli kɛ ka ɲɛ walima i ka ban o ma. Mali ka wariko sigida bɛ sigida ye min bɛ sariya nɔ na, ani o sariyaw ye mɔgɔw ka lakana ye. I ka ɲini ka baara kɛ ni jɛkuluw ye minnu bɛ o sariyaw kɔnɔ.