Maafisa mikopo ยท Somo 5 kati ya 15

Andaa mkopo

Asha anaandaa mkopo wa Biashara Loan wa shilingi milioni moja kwa Amina, anasoma ratiba na gharama zote, anaongeza mdhamini aliyekosekana hadi uwe Ready to submit, anapakua key facts statement kwa Kiswahili na kuuwasilisha kwa idhini.

Takriban dakika 20

Mawazo makuu

1

New Loan

Kwenye Loans chagua New Loan, chagua Borrower na Loan product, kisha weka Principal, Term (months) na Purpose. Start date ni tarehe ya leo; ihakiki kabla ya kuendelea.

2

Gharama zote kabla ya kusaini

Chini ya fomu, Schedule preview inaonyesha kila rejesho (marejesho sita sawa kwa mfano wetu), na Cost of credit inaonyesha Effective annual rate, Amount received, Total cost of credit na Total of all payments. Benki Kuu inataka mkopaji aone gharama hizi zote kabla ya kusaini. Effective annual rate inajumuisha kila ada, na hakuna ada ya kulipa mapema.

3

Draft na orodha ya mahitaji

Create loan inahifadhi mkopo kama Draft, yaani rasimu, na juu kunaonyeshwa kinachokosekana kabla haujaendelea; kwa Amina ilikosekana mdhamini, na kitambulisho chake tayari kilikuwepo. Kwenye kichupo cha Security, Add guarantor inahitaji jina, uhusiano na simu tu. Ukihifadhi, inakuwa kijani: Ready to submit, yaani tayari kuwasilishwa.

4

Taarifa muhimu na kuwasilisha

Sheria inataka Key facts statement, yaani taarifa muhimu za mkopo, kabla ya malipo; ipakue kwa lugha ya mkopaji, ya Amina ni Kiswahili ili asome masharti yake. Submit for approval inaufanya mkopo uwe Pending, yaani unasubiri. Aliyeandaa mkopo hawezi kuuidhinisha, kwa hiyo Baraka au Neema anauhakiki wa Asha.

Mazoezi

Jaribu kwenye taasisi yako ya mafunzo

  1. 1. Fungua Loans, chagua New Loan, na uchague Borrower na Loan product (kwa mfano Amina Hassan kwenye Biashara Loan).
  2. 2. Weka Principal ya 1,000,000, Term (months) ya 6 na Purpose kama mzigo wa duka, kisha hakiki Start date.
  3. 3. Soma Schedule preview na Cost of credit, kisha chagua Create loan na uhakikishe mkopo unaonyesha Draft.
  4. 4. Soma orodha ya mahitaji juu. Mdhamini akikosekana, fungua Security, chagua Add guarantor, weka jina, uhusiano na simu, kisha bonyeza Add guarantor, hadi isomeke Ready to submit.
  5. 5. Fungua Key facts statement na uchague Download in Kiswahili, kisha rudi kwenye mkopo.
  6. 6. Chagua Submit for approval na uhakikishe mkopo unaonyesha Pending.

Jipime

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