Falsafa ya malipo ya Wakandi CAMS

Falsafa ya malipo ya Wakandi CAMS

SACCOs imekua ni ishara ya uaminifu na kujiamini ikija kwenye shughuli za kifedha kwa mamilioni ya watu nchini Afrika. Kama watoa huduma wa mifumo, tunajaribu kutoa thamani ya juu na matumani kwa watu wengi waliomo kwenye SACCOs barani Afrika. 
Tofauti na watoa huduma wengine wa mifumo, hatuna gharama aina moja kwenye huduma zetu.

Wakandi CAMS haina gharama za aina moja, lakini kihistoria Saccos inalipa walau dolla moja kwa kila mwanachama kwenye mwezi mmoja kwa ujumla. 

Huduma za CAMS zina gharama nafuu na zinaweza kutumika na SACCOs yoyote. Na ziada tunatoa huduma nyingine mbalimbali ikiwemo moja ya ambazo zinatolewa na washiriki wetu kwa thamani nafuu kwa SACCOs pamoja na vikundi vingine vya kifedha ambavyo sio rasmi. Tujifunze kidogo kuhusiana na hizi huduma hapa chini. 

Gharama nafuu za mtandao 

Miamala ya kifedha ya simu inaibuka kwa kasi. Utekelezaji wa hio miamala kwa kutumia mitandao ya simu nayo pia inaisadia SACCOs pamoja na wanachama wake wasisumbuke kwenda kusafiri kwenda kwenye ofisi ya SACCOs moja kwa moja kukusanya au kulipa fedha taslimu. Vilevile, kwa kutumia CAMS, tunaondoa hatari zinakuwepo mtu akitumia fedha taslimu. 

Kwa kutumia CAMS, Wakandi imefanikiwa kujadili gharama nafuu za miamala na watoa huduma wa mitandao ya simu. Orodha ya gharama iko hapa. Pamoja na punguzo hili la  gharama, wanachama wa SACCOs watawezeshwa kujiwekea akiba zaidi kwasababu sasa wamepata punguzo nafuu kwenye ada za miamala wakituma na kupokea fedha. 

Fahamu zaidi kuhusiana na falsafa yetu ya ada ya mfumo hapa.

Gharama nafuu za maombi ya mkopo na kipato zaidi  kwa SACCOs

Kwa kutumia CAMS, tunachaji gharama kwa kila maombi ya mkopo na gharama hii inajumuisha kodi ya serekali. Mchakato mzima wa kuomba  mkopo ikiwemo uhasibu na masahihisho ya miamala inashughulikiwa kidigitali kwenye mfumo na hii inasaidia SACCOs kuokoa mda zaidi. Vilevile 100% ya kipato inaenda kwenye SACCOs  moja kwa moja na inakua ni mchakato wa kujitengenezea kipato kwa wao.


SACCOs have been a symbol of trust and confidence when it comes to financing for many millions of people in Africa. As a software service provider, we strive to offer maximum value and satisfaction to SACCOs in Africa. Unlike most service providers, we don’t charge a fixed cost for our services. 

Wakandi CAMS doesn’t have fixed fees, but historically a typical SACCO pays about $1 per member per month in total. 

The CAMS services being so affordable can be adopted by any and all SACCOs. What’s more is that we offer several other services including ones provided by our partners at a better value to SACCOs and other informal financial groups. Let’s learn about these services below:

Affordable Network Operator Fees

Mobile money transfers have been on the rise. Implementation of transactions via mobile money also saves the SACCO as well as its members from physically traveling to collect or pay cash. Moreover, with CAMS, we are also eliminating the risk that is involved with handling physical cash.  

With CAMS, Wakandi has not only negotiated better transaction fees with the mobile network operators but also has bargained better tariff plans. The price list of these plans are available here. With discounted prices, the SACCO members are enabled to save more money as they have to pay less than standard charges to receive and send money. 

Know more about our fair pricing philosophy here.

Sustainable Loan Application Fee and Income Generation for SACCO

With CAMS, we charge a fixed cost for each loan application inclusive of VAT and other taxes. The entire loan application including accounting and reconciliation is being handled digitally on CAMS saving a lot of time for the SACCOs. Moreover, 100% income of the interest goes to the SACCOs directly turning this into an income-generating process for them.

 

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