SAMA Money

Sama Wari ka Kɛnɛya-ɲɛnajɛ ni a ka Laban Mali Kɔnɔ

Sama Wari, min bɛ fɔ ko

Sama Wari

kɛnɛya-baara, ye kɛnɛya ye min ka fanga bɛ Mali jamana kɔnɔ, a bɛ baara kɛ ni telefon-fanga ye walasa ka wari-jɛnsɛnw ni wari-kɛliw yɛlɛma. A ye fɔlɔ ka kɛ Première Agence de Microfinance (PAMF Mali) ye san 2005. Nka, san 2023, Sama Wari jɛkulu y’o kɛnɛya san walasa ka a ka fana-wari-jigiya baara don a ka baara kɔnɔ. O kɛli kɔfɛ, Sama Wari ka sigida ye ka kɛ kɔnɔntɔn ni fila ye (finance inclusive), o kɔrɔ ye ka wari-kɛli baara yɛlɛmanin ni man-ka-dɔgɔ yɛlɛma mɔgɔ bɛɛ bolo. O baara bɛ kɛ ni telefon-app, USSD kɔdi ni a ka baara-kɛla jɛkulu ye jamana kɔnɔ.

Sama Wari SA ye Mali jamana ka kɛnɛya ye, min ka lakana bɛ kɛ ni Mali jamana sariya ye. A ka laban bɛ Bamako, ACI 2000 Hamdallaye, Commune 4. PAMF Mali, min ye Sama Wari ka fana-wari-jigiya kɔkɔ ye, o ka sariya lakana tun bɛ Tlebi Afrika Jamana Wari Laɲini Banki (BCEAO) ka ladili kɔnɔ, min bɛ baara kɛ ni fana-wari-jigiya sariya lakana n^o 2017-4093/MF-SG ye. Sama Wari ka laɲini-baara ye ka dɛmɛ don mɔgɔ minnu tɛ banki kɔnɔ walima minnu bɛ banki kɔnɔ dɔɔnin, ani kɛnɛya-dɔgɔw ka wari-kɛli kɔnɔ Mali kɔnɔ. A ka laɲini-baara ye ka fara kɛnɛya-baara kɛli kan nafa-kɛlaw caman na, i n’a fɔ Côte d’Ivoire ni Burundi.

Sama Wari ka Jigiya Wari Baara-kɛlaw

Sama Wari kɛnɛya-baara, ni a ka kɔnɔntɔn ni fila baara ye, bɛ wari-jɛnsɛnw ni wari-kɛliw yɛlɛma ni telefon-fanga ye. Baara-kɛlaw bɛ se ka wari sigasiga mɔgɔw cɛ, ka juruw sara, ka kredit wari don telefon kan, ani ka wari sara marisanw na. O kɛli kɔfɛ, Sama Wari bɛ nafa sɔrɔ wari-dɔgɔw kama minnu bɛ kɛ wari-bɔli kan (0.5% ka tugu 1% la app ni baara-kɛla jɛkulu fɛ), ni e-wari-bɔli ni marisan ka komisiyɔn ye. Nka, a ka fana-wari-jigiya baara, min bɛ kɛ ni PAMF Mali (Sama Finance) ye, bɛ jigiya wari-dɔgɔw di mɔgɔw ma.

• Wari-jigiya Digital (Micro-Crédits Digital): Sama Finance bɛ "DAT" jigiya wari di, min bɛ sigi wari-mara kan. O jigiya wari bɛ kɛ waati dɔgɔw kɔnɔ, i n’a fɔ kalo saba. A ka kalo-wari-ci ye 1.5% ye. Jigiya wari minɛn ni a ka wari-ci-kɛli ka sariya lakana tɛ kɛnɛya mɔgɔw bɛɛ ye. O kama, mɔgɔ min bɛ jigiya wari ɲini, a ka kan ka taga baara-kɛla bolo walima ka kanpaɲi ka app kɛ walasa ka kalanw sɔrɔ a ka fɛnw kan.

Jigiya Wari ɲinini ni Baara-kɛli ka Kalan

Sama Wari ka jigiya wari ɲinini bɛ kɛ ni kɛlɛw ye minnu bɛ yɛlɛma ni a ka baara-kɛli yɛlɛmanin ye. A bɛ baara kɛ ni telefon-app, USSD kɔdi ni a ka baara-kɛla jɛkulu ye. Mɔgɔ minnu bɛ telefon-fanga kɛ, olu bɛ se ka app don olu ka telefon na. Mɔgɔ minnu tɛ telefon-fanga kɛ, olu bɛ se ka USSD kɔdi *#123# kɛ walima ka taga baara-kɛla bolo.

Baara-kɛlaw ka Donw ni Jigiya Wari ɲinini

• Kɛnɛya kɛli: Baara-kɛlaw bɛ se ka kɛnɛya kɛ ni telefon-app ye. O bɛ kɛ ni telefon nimɔrɔ laɲini, ani jamana ka sɛgɛsɛgɛli-karta ka fɔtɔ donli ye. O bɛ kɛ sariya-kalan na min bɛ fɔ ko KYC (Know Your Customer).
• Credit Scoring ni Lakana: Sama Wari bɛ baara kɛ ni a ka sɛgɛsɛgɛli siratigi ye, min bɛ sigi baara-kɛla ka wari-kɛli tariku kan, telefon kredit donli ni juruw sarali. E-wari-kɛli ka laɲini-baara bɛ bonya ni baara kɛli ni baara-kɛla ka dɛmɛ ye. Fana-wari-jigiya sɛgɛsɛgɛli bɛ kɛ ni wari-mara tariku ye (PAMF Mali).
• Wari-jɛnsɛn ni Jigiya-wari-sarali: Jigiya wari bɛ don baara-kɛla ka e-wari-kɛnɛ na sisan. Baara-kɛlaw bɛ se ka wari bɔ baara-kɛla bolo walima ka wari don banki kɔnɔ. Jigiya wari sarali bɛ kɛ ni e-wari-kɛnɛ bɔli ye waati min na wari ka kan ka bɔ, walima ni automatiki debit ye app kɔnɔ, walima ni wari sarali ye baara-kɛla bolo.

Telefon-App ka Baara-kɛlaw ni Baara-kɛla ka Sebaaya

Sama Wari ka telefon-app ye baara-kɛla minɛn fɔlɔ ye. O app ka sɛgɛsɛgɛli ka bon Google Play Store kan (4.6★ ni sɛgɛsɛgɛli-kɛlaw 3,180 ye, ani donli kɛlaw miliyɔn kɔnɔntɔn ni fila). App in ka baara-kɛlaw ye:

• Wari-kɛnɛ ka kalanw real-time kɔnɔ.
• Wari-jɛnsɛnw (free app kɔnɔ).
• Juruw sarali ni marisan ka wari-sarali.
• Telefon kredit donli ni TV kredit donli.
• Baara bɛ kɛ kan caman na: Faransi-kan, Bambara-kan, Angilɛ-kan.
• Lakana: baara-kɛliw bɛ lakana ni enkription ye, ani baara-kɛla ka lakana bɛ kɛ ni lakana-kɛli fila ye.

Baara-kɛlaw bɛ Sama Wari ka baara-dɔgɔw, a ka lakana ni a ka baara-kɛli waati bɛɛ na fɔ. Nka, kɛlɛw dɔ bɛ sɔrɔ, i n’a fɔ pasewɔdi yɛlɛma kɛli min bɛ ɲini ka kɛ baara-kɛla bolo, ani waati dɔw la baara-kɛli ka dɔgɔya.

Sariya-kalan ni Jaabi-kɛlaw ka Kuma

Sama Wari ka baara bɛ kɛ sariya-kalan lakana kɔnɔ. A ye e-wari-kɛli kɛnɛya ye min ka sariya lakana bɛ kɛ ni Tlebi Afrika Jamana Wari Laɲini Banki (BCEAO) ye. O kɛli kɔfɛ, a bɛ fana-wari-jigiya sariya lakana min bɛ Mali jamana Wari Kɛnɛya ka Minisiteri fɛ.

Sariya-kalan ni lakana

Sama Wari bɛ baara kɛ ni BCEAO ka sariya ye min bɛ fɔ ko AML/CFT (Anti-Money Laundering/Combating the Financing of Terrorism). A bɛ sɛgɛsɛgɛli kɛ waati bɛɛ na ni kɛnɛya-kɛlaw ye, i n’a fɔ Duniya Wari Jɛkulu (IFC) ka ladili.

Baara-kɛlaw ka lakana

• Wari-dɔgɔw ka kɛnɛya: Sama Wari bɛ wari-dɔgɔw ka kalanw di kɛnɛya mɔgɔw bɛɛ ye. A tɛ komisiyɔn dɔgɔ wari-jɛnsɛnw kan app kɔnɔ, ani juruw sarali bɛ kɛ free ye. Nka, wari-bɔli ka wari-dɔgɔw bɛ kɛnɛya mɔgɔw bɛɛ ye.
• Dɛmɛ-kɛli: Baara-kɛlaw bɛ se ka dɛmɛ sɔrɔ app kɔnɔ chat fɛ, walima ni telefon nimɔrɔ ye (+223 20 22 07 07).
• Kɛlɛw ɲɛnabɔli: Kɛlɛw ɲɛnabɔli bɛ kɛ kɛnɛya kɔnɔ, walima ni BCEAO ka dɛmɛ ye.

Tolon-don-minɛn ni Tolon-kɛlaw Mali Kɔnɔ

Sama Wari ye e-wari-kɛli kɛnɛya min ka baara ka bon Mali kɔnɔ, a bɛ tolon kɛ ni kɛnɛya bonya caman ye i n’a fɔ Orange Money, Moov Money ni Wave. Nka, Sama Wari bɛ a yɛrɛ yɛrɛma ni a ka wari-bɔli ka wari-dɔgɔw minnu ka dɔgɔ kosɛbɛ, a ka USSD donli ni a ka fana-wari-jigiya baara. A ka laɲini-baara ye ka bonya Afiriki tlebi kɔnɔ, ka don Côte d’Ivoire ni Burundi na.

Kɛnɛya-baara in bɛ baara kɛ ni UBA-Mali ye, min bɛ a ka e-wari-kɛli baara lakana. A bɛ baara kɛ ni telefon kɛnɛya-baara caman ye i n’a fɔ Malitel, Orange, ni Telecel. O kɛli kɔfɛ, Duniya Wari Jɛkulu (IFC) bɛ dɛmɛ don Sama Wari ka baara-kɛlaw ka bonya ni fana-kari kɔnɔ.

Jigiya Wari ɲinilaw ka Kuma-ɲɛ

Sama Wari ye kɛnɛya-baara ye min ka baara ka bon Mali kɔnɔ, a bɛ dɛmɛ don mɔgɔw ka wari-kɛli kɔnɔ. Nka, jigiya wari ɲinilaw ka kan ka baara kɛ ni ladili dɔw ye walasa ka kɛlɛw bali:

• Kalanw sɔrɔ ka ɲɛ: Jigiya wari ka kalanw, i n’a fɔ wari-ci ni sarali waati, tɛ kɛnɛya mɔgɔw bɛɛ ye. O kama, a ka kan ka taga Sama Wari ka baara-kɛla bolo walima ka app kɛ walasa ka kalanw sɔrɔ ka ɲɛ.
• Sariya lakana ka ɲɛ: Ka jigiya wari ɲini, a ka kan ka wari-ci ni wari-dɔgɔw ka sariya bɛɛ faamu ka ɲɛ.
• Jigiya wari ka sarali: A ka kan ka jigiya wari ka sarali waatiw lakana ka ɲɛ walasa ka kɛlɛw bali, ani ka kɛnɛya ka sariya lakana.
• Telefon-app ka baara: Ka Sama Wari ka telefon-app kɛ, a ka kan ka a ka lakana siratigiw faamu ka ɲɛ, i n’a fɔ pasewɔdi lakana.

Sama Wari bɛ dɛmɛ don Mali mɔgɔw ka wari-kɛli kɔnɔ ni a ka yɛlɛmanin baara-kɛlaw ye. Nka, a ka kan ka baara kɛ ni faamuyali ni sɛgɛsɛgɛli ye walasa ka nafa sɔrɔ a ka baara-kɛlaw la ka ɲɛ.