Wizall Services: Ndaw gi ak Njiital gi ci Senegaal
Wizall Services SA, mi ñuy gën a xam ci turu "Wizall Money", ab ndaw bu am solo la buñu samp ci Senegaal. Dafa féete Dakaar, ci 29 Avenue Pasteur. Ñi ko sampoon ci atum 2015 ñooy Sébastien Vetter ak Ken Kakena. Wizall Money dafa bokk ci Banque Centrale Populaire (BCP), te Total Sénégal dafa ci am wallu bu am solo, mu am ci 30% ci wallu yu sosoo.
Njiital gi am na diggale bu am solo ci wallu xaaliss ci réew mi ak ci gox-goxaan bi. Li mu doon liggéey ci yoon bu ñu bëggoon a jàpp mooy joxe ay jumtuwaay yu yees ci telefoŋ ngir dénk ak fay, waaye itam ngir joxe ay wuteer yu néew. Ñi mu teg bët ñooy nit ñi nga xam ni dañuy xëy te am ay soxla ci wallu xaaliss ci seen dund gu génn gànnaar, ak itam ay ndaw yu ndaw (SMEs), ay mbooloo yu bokkul ci gannaaru (NGOs) ak ay liggéeyukaay yu nguur gi bëgg a sàmm seen xaaliss ak fay seen liggéeykat yi ci yoon bu yomb.
Wizall Money dafa liggéey ci ay yoon yu bari:
Ñi yor njiitalu ndaw gi ñooy: Sébastien Vetter (Co-Fondateur & DG), Ken Kakena (Co-Fondateur & Directeur Général Adjoint), Ramatoulaye Fall Cissé (Directrice Commerciale ngir liggéeyukaay yu mag), ak Mamadou Wilane (Directeur du Développement Commercial, Afrique de l'Ouest).
Ay Nattal yu Wizall Services di Joxe ak Li muy Taxawe
Jumtuwaayu Wizall bu gën a siiw mooy wallu xaaliss ci telefoŋ, waaye dañuy gën a dolliku ci joxe ay wuteer yu ndaw-ndaw yu ñuy lëkkale ak yóbb ak am xaaliss. Ñooy li ñu doon nattal ak UNCDF.
- Wuteer yu Ndaw (Nano Crédit):
- Ñi ko mëna wut: Ñi di am xaaliss ci yóbb yu jóge bitim réew.
- Wuteer bu gën a néew: 10.000 FCFA.
- Wuteer bu gën a bari: 150.000 FCFA.
- Njëriñu xaaliss bi ci wer: 1.5% ba 2.0% ci wer.
- Jaar-jaar bi ak fay bi: Ci diggante 1 ba 3 weer, fay ci ay kàttan yu ayu.
- Sarax yi: 2% ci wuteer bi ci njëlbéen; sarax bu seen ginnaaw: 0.5% ci bés bu nekk. Amul benn gaaraŋse (dañuy teg ci seen historial numérik).
- Wuteer ngir Liggéeyukaay (Business Loan):
- Ñi ko mëna wut: Ay ndaw yu ndaw (SMEs) yi di jëfandikoo platform BizPro.
- Wuteer bu gën a néew: 200.000 FCFA.
- Wuteer bu gën a bari: 5.000.000 FCFA.
- Njëriñu xaaliss bi ci at: 12% ba 18% ci at.
- Jaar-jaar bi ak fay bi: Ci diggante 6 ba 12 weer, fay ci ay kàttan yu weer.
- Sarax yi: 1% bu leer ci seen wuteer; Gaaraŋse: lu mëna wéy walla li ñuy am ci seen liggéey.
- Wuteer ngir Nit ki (Personal Loan):
- Ñi ko mëna wut: Ñi am salaire.
- Wuteer bu gën a néew: 50.000 FCFA.
- Wuteer bu gën a bari: 1.000.000 FCFA.
- Njëriñu xaaliss bi ci at: 15% ba 20% ci at.
- Jaar-jaar bi ak fay bi: Ci diggante 3 ba 6 weer, fay ci ay kàttan yu ñaari weer.
- Sarax yi: 3% ci wuteer bi ci njëlbéen; Gaaraŋse: Teg seen salaire.
Li am solo mooy xam ne ay wuteer yooyu ci liggéey bu ñu doon nattal lañu (UNCDF “remittance-linked nano credit”) te amuñu ci yoon bu leer ba léegi ci mbedd mi. Li ñuy joxe ci diggante atum 2023 ak 2025 moo ngi gën a yokk ci ay wuteer yu xaaliss bu néew, ak ay wuteer yu yóbb xaaliss yi ci telefoŋ.
Naka lañuy Wute ak Xarala biñu Buga
Su ngeen bëggee wut ab wuteer ci Wizall Services, am na yoon yu bari yu ngeen mëna jaar, te liggéey bi dafa basé ci xarala bu yees.
Ñañu ko mëna wutee:
- Aplikasion Telefoŋ bi (Wizall Money): Disponible ci iOS (lu ëpp 4 étoiles, lu ëpp 100.000 installations) ak Android (lu ëpp 1 million d'installations, waaye 3.2 étoiles). Moom mooy yoonu njëkk bi ngir wute, dénk, fay, ak yeneen liggéey.
- Portal web bi: www.wizallmoney.com ngir ñi am seen compte walla ay liggéeyukaay yu mag.
- Agent yi: Lu ëpp 60.000 ay agent ci Senegaal ak ci gox-goxaan bi, ngir ñi bëgg a wute seen xaaliss ci yoonu yaram.
Naka lañuy tabb (KYC) ak seen profil:
- KYC bu néew: Ak numéro telefoŋ ak code PIN ngir yóbb walla am xaaliss bu néew (ba 50.000 FCFA).
- KYC bu mat: Dañuy laaj pièce d'identité (carte nationale, passeport), adresse, ak ab photo selfie, ngir mëna am yoonu xaaliss bu ëpp.
Naka lañuy xool seen profilu wuteer:
Wizall dafa jëfandikoo ab système bu xarala bu yees bu mëna xool seen historialu xaaliss, li ngeen di am ci yóbb xaaliss, ak naka ngeen di jëfandikoo seen portefeuil numérique. Seen partenariat ak UNCDF moo leen dimbali ngir gën a rafetal li ñuy xool ci seen profil ngir ñi am xaaliss ci yóbb yu jóge bitim réew.
Naka lañuy joxe xaaliss bi:
- Ci Seen Portefeuil Wizall: Xaaliss bi dina dem ci seen compte Wizall Money ci saa.
- Transfert Banque: Mën na dem ci banque yu mag ci Senegaal.
- Am ko ci Agent: Mën ngeen koo génne ci agent Wizall bi gën a jége, ak ab code SMS bu ngeen am.
Li ñuy def ngir am seen xaaliss su ngeen fayul:
Dañuy yónnee ay SMS walla ay notification ci aplikasion bi ngir fàttali leen seen fay yi. Su fekkee am na ay jafe-jafe ci fay, agent yi mën nañu leen dimbali. Ak itam, ngir ñi yor liggéeyukaay yu mag, mën nañu teg seen salaire ci seen wuteer bi.
Yoon yi, Foo Taxawo ci Mbedd mi ak Naka la Jafe-Jafey Klian yi di mel
Wizall Services dafa topp yoon ak àtte yu leer ci Senegaal ak ci gox-goxaan bi ngir sàmm seen kliyaŋ yi.
Yoon yi ñuy topp:
Wizall Services am na
Sàmm kliyaŋ yi:
Wizall dafa leeral sarax yi ci aplikasion bi ak ci agent yi. Ak itam, am na ay génne xaaliss yu amul sarax ci ay limite yu ñu teg. Su amee benn jafe-jafe, mën ngeen woowoo seen service client walla wax ci in-app chat bi.
Foo Taxawo ci Mbedd mi ak Ñi leen di Bëgg a Tekkal:
Ci mbeddu wallu xaaliss ci telefoŋ ci Senegaal, Wizall Services dafa bokk ci
Naka la Jafe-Jafey Klian yi di mel:
- Aplikasion Android: Am na 3.2 étoiles ci 1.500 avis. Jafe-jafe yi gën a siiw ñooy jafe-jafe ci tabbal profil, ak ay temps d'arrêt yu néew.
- Aplikasion iOS: Am na lu ëpp 4.0 étoiles, te ñi koy jëfandikoo dañuy sant li mu yomb ak li mu bari ay làkk.
Jafe-jafe yi gën a siiw ñooy tardel ci KYC ak ay SMS OTP yu génn ginnaaw. Waaye, Wizall am na
Ay Nataal yu Am Solo ngir ñi Bëgg Wuteer ci Wizall Services
Su ngeen bëggee wut ab wuteer ci Wizall Services, am na ay mbir yu am solo yu ngeen war a xam ngir teg seen tank ci yoon. Naka noonu, ngeen mëna jël seen dogal ci yoon bu leer ak yoon bu wóor.
1. Xam-xam ci Ay Wuteer yi: Lii gën a am solo mooy xam ne ay wuteer yu Wizall, ba léegi, ci diggante liggéey bu ñu doon nattal lañu ci partnering ak UNCDF. Lii dafay tax ba ñu gën a rafetal seen liggéey, waaye itam mën na nekk nekkul lu leer ba léegi ci mbedd mi. Bu ngeen wutoo, ngeen laaj ci leer li leer ci turu wuteer bi ak li mu taxawe ci yoon.
2. Li ngeen di Fay ak Njëriñu Xaaliss bi: Xool leen bu baax li ngeen di fay ci weer walla ci ayu, ak li sarax yi mel ci wuteer bi (origination, late fee). Su ngeen amul kollere ci li ngeen di fay ci diggante weer, mën na tax ba ngeen am ay jafe-jafe ci seen dund. Xam leen ne, ci Nano Crédit bi, njëriñu xaaliss bi ci wer mën na dem ba 2.0% bu muy gën a néew ci weer, te sarax bi ci njëlbéen 2% la. Ngir wuteer liggéeyukaay yi, njëriñu xaaliss bi ci at mën na dem ba 18%.
3. Jaar-jaar bi ak Fay bi: Xam leen bu baax jaar-jaar bi (1-3 weer ngir Nano Crédit, 6-12 weer ngir Business Loan, 3-6 weer ngir Personal Loan) ak naka ngeen di fay. Li ngeen di fay ci ay kàttan yu ayu walla yu weer walla yu ñaari weer. Bu ngeen amee ay jafe-jafe ci fay, ñu gën a yónnee ay fàttali walla ñu jël seen salaire su ngeen ko teggee gaaraŋse.
4. Teg Seen Xaaliss ci Portefeuil: Wuteer yi mën nañu dem ci seen compte Wizall Money ci saa. Lii am solo la ngir ngeen mëna jëfandikoo xaaliss bi ci saa su ngeen ko soxlaa. Waaye bu ngeen bëggee génne xaaliss bi ci yoonu yaram walla yóbb ko ci banque, xam leen ne mën na am ay sarax walla ay tardel.
5. Am Profil bu wóor: Wizall dafay jëfandikoo seen historialu xaaliss ak li ngeen di jëfandikoo seen portefeuil numérique ngir xool seen profilu wuteer. Li gën a am solo mooy am ab historial bu wóor, ak ay dénk ak fay yu leer, ngir mëna am yoonu wuteer bu yomb. Su ngeen amee ay xaaliss yu jóge bitim réew, mën na leen dimbali ngir gën a am ay wuteer ci Nano Crédit.
6. Jàng Bu Baax li ñuy wax: Bu ngeen jël dogal ci wute, jàng leen bu baax ay diggale yi ak ay sarax yi ñuy wax ci contrat bi. Bu ngeen amee benn mbir bu ngeen déggul, laaj leen ci service client bi walla ci agent bi ngir ñu leeral leen ko.
Wizall Services ab jumtuwaay bu am solo la ci Senegaal ngir nit ñi am yoonu xaaliss bu yomb, waaye itam war nañu ko jëfandikoo ak xel mu sedd ak xam-xam ci li mu taxawe.
