Izimalimboleko zomuntu siqu
Sichaze izimalimboleko zomuntu siqu njengokuboleka imali ukusuka komunye, inhlangano, noma ibhizinisi kumsebenzisi owodwa kusisekelo esingaphindeki, hhayi ngezinhloso zokuthenga kwezezimali kwempahla elungisiwe noma imfundo. Abasebenzisi bemalimboleko yomuntu siqu badinga ulwazi mayelana nekhwalithi, izici, izinkokhelo, ubungozi nezinzuzo zemikhiqizo yemalimboleko ukube benze izinqumo ezinolwazi mayelana nokuthi bayithathe yini imali-mboleko.
- Izibonelo: Izimalimboleko zomuntu siqu, izimalimboleko zosuku lokukhokha, izimalimboleko zontanga, izimalimboleko zesihloko
- Izibonelo ezingafakiwe: Izinkokhelo zendlu, imalimboleko yemoto, izindlela ezishintshayo zesikweletu (njengamakhadi esikweletu, izindlela zomuntu siqu zesikweletu)
Ama-app anikezela ngemalimboleko yomuntu siqu, kufaka, kodwa akupheleli kuma-app anikezela ngemalimboleko eqondile, abenzi abaholayo, nalabo abaxhuma abasebenzisi nababoleki abangahlangene ngqo, kufanele babe Nesigaba se-App esisethwe “Kwezezimali” ku-Google Play Console nokudalula ulwazi olulandelayo ku-metadata ye-app:
- Isikhathi esincane nesiningi sokukhokhela
- I-Maximum Annual Percentage Rate (APR), ngokuvamile ebandakanya isilinganiso senzalo kanye nezinkokhelo nezinye izindleko zonyaka, noma esinye isilinganiso esifanayo esibalwe ngokulinganayo ngomthetho wendawo
- Isibonelo esimelayo ezindleko eziphelele zemalimboleko, kufaka phakathi izinkokhelo ezinkulu nezisebenzayo
- Inqubomgomo yobumfihlo edalula ngokuphelele ukufinyelela, ukuqoqwa, ukusetshenziswa, nokwabelana kwedatha yomuntu siqu nebucayi yomsebenzisi, kuncike emikhawulweni ebekwe kule nqubomgomo.
Asivumeli ama-app athuthukisa izimalimboleko zomuntu siqu ezidinga inkokhelo ngokuphelele ezinsukwini ezingama-60 noma ngezansi ukusuka ngosuku lwemalimboleko ekhishiwe (sibheka kulokho njengokuthi "izimalimboleko zomuntu siqu zesikhathi esifushane").
Okuhlukile kule nqubomgomo kuzocatshangelwa kuma-app emalimboleko yomuntu siqu asebenza ngaphakathi kwamazwe lapho imithetho ethile izivumela ngokusobala izinqubo zokuboleka zesikhashana esifushane ngaphansi kwezinhlaka ezisemthethweni ezimisiwe. Kulezi zimo ezingavamile, okuhlukile kuzocutshungulwa ngokuvumelana nemithetho yendawo esebenzayo nemihlahlandlela elawulayo yezwe elifanele.
Kufanele sikwazi ukusungula ukuxhumana phakathi kwe-akhawunti yakho kanjiniyela nanoma yimaphi amalayisense anikeziwe noma amadokhumenti afakazela ikhono lakho lokusebenzisa imalimboleko yomuntu siqu. Ulwazi olwengeziwe noma amadokhumenti angase acelwe ukuze kuqinisekiswe ukuthi i-akhawunti yakho ithobela izimiso nayo yonke imithetho neziqondiso zendawo.
Ama-app wemalimboleko yomuntu siqu, ama-app anenhloso yokuqala yokwenza ukufinyelela kwimalimboleko yomuntu siqu (isibonelo, abakhiqizi abaholayo noma ama abagqugquzeli), nom ama-app wemalimboleko wokufinyelela (izibali zemalimboleko, imihlahlandlela yemalimboleko, njll.) avinjelwe ukufinyelela idatha enozwelo, njengezithombe noxhumana nabo. Izimvume ezilandelayo zivinjelwe:
- Read_external_storage
- Read_media_images
- Read_contacts
- Access_fine_location
- Read_phone_numbers
- Read_media_videos
- Query_all_packages
- Write_external_storage
Ama-app asebenzisa ulwazi olubucayi noma ama-API angaphansi kwemingcele nezimfuneko ezengeziwe. Sicela ubheke Inqubomgomo yezimvume ukuze uthole ulwazi olwengeziwe.
Izimalimboleko zomuntu siqu ze-APR eziphezulu
E-United States, asivumeli ama-app omuntu siqu lapho i-Annual Percentage Rate (APR) ingu-36% noma ngaphezulu. Ama-app ezimalimboleko omuntu siqu e-United States kufanele zibonise i-APR enkulu, ebalwe ngokulingana ne- Truth in Lending Act (TILA).
Le nqubomgomo isebenza kuma-app alezo ezinikezela ngezimalimboleko ngqo, abenzi ababaholi, nalezo ezixhuma amakhasimende nababolekisi bezinhlangano zangaphandle.
Izidingo eziqondene nezwe
Ama-app emalimboleko yomuntu siqu aqondise amazwe asohlwini kufanele athobelane nezimfuneko ezengeziwe futhi anikeze amadokhumenti angeziwe njengengxenye Yokudalula izimo zezimalii ngaphakathi kwe-Play Console. Ngemva kokuthola isicelo se-Google Play, kufanele uhlinzeke ngolwazi namadokhumenti angeziwe ahlobene nokuthobela iziphathimandla ezifanele nezimfuneko zokulayisensa.
- India
- Uma unelayisense ye-Reserve Bank of India (RBI) ukunikezela ngezimalimboleko, kufanele uthumele ikhophi yelayisense yakho ukuze siyibuyekeze.
- Uma ungabandakanyeki ngokuqondile emisebenzini yokubolekwa kwemali futhi unikezela kuphela ngenkundla yokwenza ukuboleka kwemali nge-Non-Banking Financial Companies (NBFCs) ebhalisiwe noma amabhange kubasebenzisi, uzodinga ukubonisa kahle lokhu kwisimemezelo.
- Ngaphezu kwalokho, amagama wawo wonke ama-NBFC abhalisiwe namabhange kufanele avezwe ulwazi ngokuvelele encazelweni ye-app yakho.
- Indonesia
- Uma i-app yakho ihlanganyela emsebenzini we-Technology-Based Money Lending Services ngokuvumelana ne-OJK Regulation No. 77/POJK.01/2016 (engase ishintshwe njalo), kufanele uthumele ikhophi yelayisense evumelekile ukuze siyibuyekeze.
- E-Philippines
- Zonke izinkampani zezimali nezibolekisayo ezinikeza izimali-mboleko nge-Online Lending Platforms (OLP) kufanele Zithole Inombolo Yokubhalisa ye-SEC kanye ne-Certificate of Authority (CA) kusuka ku-Philippines Securities and Exchanges Commission (PSEC).
- Ngaphezu kwalokho, kufanele uveze ulwazi Lwegama Lenhlangano, Igama Lebhizinisi, Inombolo Yokubhalisa ye-PSEC kanye ne-Certificate of Authority Ukuze uqhube Inkampani ye-Financing/Lending Company (CA) encazelweni ye-app yakho.
- Ama-app ahlanganyela emisebenzini ye-lending-based crowdfunding, njengokubolekisa kwe-peer-to-peer (P2P), noma njengoba kuchazwe ngaphansi kwe-Rules and Regulations Governing Crowdfunding (CF Rules), kufanele acubungule ukuthenga nge-PSEC-Registered CF Intermediaries.
- I-Nigeria
- I-Digital Money Lenders (DML) kufanele bathobele futhi bagcwalise i-LIMITED INTERIM REGULATORY/ REGISTRATION FRAMEWORK AND GUIDELINES FOR DIGITAL LENDING, yango-2022 (njengoba ingase ishintshwe njalo) i-Federal Competition and Consumer Protection Commission (FCCPC) yase Nigeria futhi bathole incwadi yokugunyaza eqinisekisekayo kusuka ku-FCCPC.
- Abahlanganisi Bemalimboleko kufanele bahlinzeke ngamadokhumenti kanye/noma izitifiketi zamasevisi okubolekisa ngedijithali kanye nemininingwane yokuxhumana yawo wonke uzakwethu we-DML.
- I-Kenya
- I-Digital Credit Providers (DCP) kufanele baqedele inqubo yokubhalisa ye-DCP futhi bathole ilayisense kusuka e-Central Bank of Kenya (CBK). Kufanele uhlinzeke ngekhophi yelayisense yakho esuka ku-CBK njengengxenye yesimemezelo sakho.
- Uma ungahlanganyeli ngokuqondile kwimisebenzi yokubolekisa ngemali futhi uhlinzeka ngenkundla nje kuphela yokugada ukubolekisa ngemali yabasebenzisi be-DCP ababhalisiwe, kuzodingeka ukuthi ubonise ngokunembile lokhu kwisimemezelo futhi uhlinzeke ngekhophi yelayisense ye-DCP yozakwethu wakho ofanele.
- Okwamanje, samukela kuphela izimemezelo namalayisense avela kumabhizinisi abhaliswe ngaphansi Kohla lwembihalo Lwabahlinzeki bekhredithi bokuyidijithali futhi nakuwebhusayithi esemthethweni ye-CBK.
- Pakistan
- Umbolekisi ngamunye we-Non-Banking Finance Company (NBFC) angashicilela i-Digital Lending App eyodwa kuphela (DLA). Onjiniyela abazama ukushicilela i-DLA engaphezu kweyodwa nge-NBFC ngayinye engozini yokunqanyulwa kwe-akhawunti yabo kanjiniyela kanye nanoma imaphi amanye ama-akhawunti ahlobene.
- Kufanele uhambise ubufakazi bokugunyazwa okuvela ku-SECP ukuze unikeze noma wenze lula amasevisi wokuboleka kwedijithali e-Pakistan.
- Thailand
- Ama-app wemalimboleko yomuntu siqu aqondiswe eThailand, anezilinganiso zenzalo ezingama-15% noma ngaphezulu, kumelwe abe nelayisensi esebenzayo evela ku-Bank of Thailand (i-BoT) noma ku-Ministry of Finance (i-MoF). Onjiniyela kufanele bahlinzeke ngamadokhumenti afakazela amandla abo okuhlinzeka noma ukuqondisa imalimboleko yomuntu siqu e-Thailand. La madokhumenti kufanele afake:
- Ikhophi yelayisense yabo ekhishwe iBhange Lase-Thailand ukuze isebenze njengomhlinzeki wemalimboleko yomuntu siqu noma inhlangano yezezimali ye-nano.
- Ikhophi yabo yelayisensi yebhizinisi ye-Pico-finance ekhishwe yi-Ministry of Finance ukuze isebenze njengombolekisi we-Pico noma we-Pico-plus.
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