Orange Niger

Gabatarwa da Tarihin Kamfanin Orange Niger a Jamhuriyar Nijar

Orange Niger S.A., wani suna da ya yi fice a cikin al'ummar Nijar, ya kasance tsohon reshen kamfanin Orange S.A. na duniya. An kafa shi a shekarar 2008 a matsayin wani kamfani mai bada sabis na sadarwa. Duk da haka, an samu wani gagarumin canji a shekarar 2019 lokacin da Zamani Com S.A.S. ya sayi kashi 95.5% na hannun jari na kamfanin. Wannan ciniki ya mai da Zamani Com S.A.S. (wanda Greenline Communication Ltd. / Groupe Envol da Rimbo Invest / Groupe Rimbo suka mallaka kashi 50-50) babban mai hannun jari, tare da sauran hannun jari a hannun gudanarwa na gida da sauran masu zuba jari.

Tun asali, Orange Niger ya fi mayar da hankali kan ayyukan sadarwa na gargajiya kamar murya da bayanai, amma a cikin 'yan shekarun nan, kamfanin ya fadada zuwa ayyukan kudi na wayar hannu ta hanyar "Orange Money". Wannan fadada ya zo ne da nufin cimma burin samar da ayyukan kudi ga jama'ar da ba su da asusun banki, wanda hakan zai bunkasa tattalin arzikin kasa. Manufar kasuwar Orange Money ita ce ta isa ga jama'a masu buƙatar ayyukan kudi na gaggawa da sauƙi, musamman a yankunan karkara da kuma tsakanin 'yan kasuwa kanana.

A halin yanzu, kamfanin yana karkashin jagorancin manyan mutane kamar Souleymane Diallo, wanda shine Babban Manaja (Managing Director), da kuma Rakiatou Idé Issaka, Babban Manaja na Coris Bank International Niger, wadda take babbar abokiyar aikin su a fannin kudi. Wannan haɗin gwiwa yana nuna muhimmancin bankuna a cikin bunkasa ayyukan kudi na wayar hannu a yankin.

Ayyukan Lamuni, Kudin Ruwa da Sharuddan Orange Niger

Yayin da Orange Money a Nijar ke ba da damar canja wurin kuɗi, biyan kuɗaɗen bili, da kuma tanadi, ana shirin gabatar da sabbin ayyukan microloan (lamuni na ƙanana) a nan gaba. Wannan shiri zai kasance ta hanyar haɗin gwiwa da kamfanin fasahar kudi, JUMO, wanda tuni yake aiki a wasu kasashen Afirka kamar Burkina Faso da Mali. Yana da mahimmanci a lura cewa waɗannan ayyukan lamuni na wayar hannu suna kan hanya kuma bayanan da ke gaba na iya canzawa lokacin da suka fara aiki gaba ɗaya a Nijar.

Nau'in Lamuni da Sharuddai:

• Nau'ukan Lamuni: Ana sa ran bayar da lamuni na gajeren lokaci da kuma lamuni na biyan bashin a kashi-kashi. Waɗannan lamuni za su kasance ga masu amfani da wayar hannu (consumers), 'yan kasuwa (merchants), da kuma masu rarraba kayayyaki (distributors).
• Adadin Lamuni: A matsakaici, ana sa ran adadin lamunin zai kai kusan €70, wanda yake daidai da kusan XOF dubu arba'in da shida (46,000). Wannan adadin zai iya bambanta dangane da tarihin amfani da wayar hannu da ma'amalolin kudi na mai neman lamuni.
• Kudin Ruwa da APR: Ana sa ran adadin kudin ruwa na shekara-shekara (APR) zai kasance ƙasa da kashi 4%, amma wannan adadi bai riga ya tabbata ba kuma yana iya canzawa. Manufar JUMO ita ce ta samar da lamuni mai araha.
• Lokacin Biyan Bashin: Ana tsara lokacin biyan bashin ya kasance gajere, tsakanin kwanaki talatin (30) zuwa kwanaki casa'in (90). Wannan zai taimaka wa masu neman lamuni su biya bashin cikin sauri ba tare da dogon jingina ba.
• Kudade da Haraji: Za a haɗa dukkan kuɗaɗen sarrafawa ko na farko a cikin adadin APR don bayyanawa. Ba za a buƙaci jingina ba don neman waɗannan lamunin. Shawarar mu ita ce, duk mai neman lamuni ya tabbatar da fahimtar dukkan kudade kafin karbar lamunin.
• Hanyar Biyan Bashin: Ana tsammanin za a cire kudin bashin kai tsaye daga walat na Orange Money na mai amfani a ranar da ya kamata a biya bashin.

Wadannan bayanan lamuni na Orange Niger a Jamhuriyar Nijar suna jiran tabbaci kuma suna iya bambanta da wanda aka fara a wasu kasashen Afirka.

Hanyoyin Neman Lamuni, Kwarewar Manhajar Wayar Hannu da Kuma Matakin Mulki

Tsarin neman lamuni da kuma amfani da manhajar Orange Money an tsara su ne don sauƙaƙe wa jama'a. Duk mai son neman lamuni zai iya amfani da hanyoyi daban-daban:

Hanyoyin Neman Lamuni:

• USSD: Ana iya amfani da gajeren lambar USSD ta kowace wayar hannu, ko da ba waya mai wayo ba ce. Wannan hanya tana ba da damar samun ayyukan kudi a ko'ina da kowane lokaci.
• Manhajar Wayar Hannu (Mobile App): Manhajar "Orange Money Africa" tana samuwa a Google Play Store (Android) da kuma Apple App Store (iOS). Wannan manhaja tana da kimanin taurari 4.2 a Google Play kuma an yabe ta saboda sauƙin amfani da ingancinta.
• Wuraren Sayarwa: Akwai fiye da wuraren sayarwa na Orange Money dubu hamsin (50,000) a faɗin ƙasar inda mutane za su iya yin rajista ko samun taimako.

Tsarin Rajista (KYC) da Tantancewa:

Don yin rajista da amfani da ayyukan Orange Money, ana buƙatar mai amfani ya je wani wurin sayarwa na Orange Money. A can, zai buƙaci gabatar da ID na gwamnati (kamar katin shaida na ƙasa) da kuma cike fom. Bayan haka, za a saita lambar PIN don samun damar amfani da USSD da kuma manhajar wayar hannu.

Kima don Ba da Lamuni:

Orange Niger zai yi amfani da fasahar hankali ta wucin gadi (AI algorithms) daga JUMO don yin kimar lamuni. Waɗannan algorithms za su yi nazarin bayanan ma'amalar wayar hannu na mai amfani, kamar sayen katin waya, yawan ma'amaloli, da kuma tsarin adadin kuɗi a walat ɗin sa. Wannan hanya tana ba da damar tantance cancantar lamuni ba tare da buƙatar jingina ba.

Hanyoyin Bayar da Kudi da Tattara Bashin:

Idan an amince da lamuni, za a sanya kuɗin kai tsaye a cikin walat na Orange Money na mai amfani. Daga nan, za a iya cire kuɗin a matsayin tsabar kuɗi a wuraren sayarwa ko kuma a canja su zuwa asusun banki ta hanyar haɗin gwiwa da bankuna. Game da tattara bashi, ana amfani da hanyoyin cire kuɗi kai tsaye daga walat na Orange Money a ranar biyan bashi, tare da tunatarwa ta SMS da kuma bin diddigi ta hanyar wakilai idan an samu matsala.

Matakin Mulki da Kare Abokan Ciniki:

Orange Niger yana aiki ne a ƙarƙashin lasisi daga Hukumar Kula da Sadarwa da Ayyukan Wasiƙa (ARCEP-Niger) kuma Hukumar Bankunan Yammacin Afirka (BCEAO) ce ke kula da ayyukan kuɗin sa. Wannan yana tabbatar da cewa kamfanin yana bin dokoki da ka'idojin da suka shafi kuɗi na wayar hannu da kuma hana safarar kuɗaɗen haram. Orange Niger yana da layin kiran gunaguni na abokan ciniki da kuma tsarin warware rikice-rikice, tare da bayyanar da kudade na lamuni ta hanyar menu na USSD don kare abokan ciniki.

Matsayin Kasuwa, Gasar, da Shawarwari Ga Masu Neman Lamuni

A kasuwar sadarwa ta Nijar, Orange Niger yana cikin manyan kamfanoni huɗu masu ba da sabis na wayar hannu, tare da kusan kashi 25% na kasuwar sadarwa ta murya da bayanai (wannan adadi ba a tabbatar da shi ba). A fannin kuɗi na wayar hannu, Orange Money yana da kusan kashi 15% na kasuwa, yana fuskantar gasa mai tsanani daga Moov (MoMo) da Tigo Cash. Ga yadda Orange Niger ke kwatanta da masu fafatawa:

Kwatantawa da Masu Fafatawa:

Orange Niger yana bambanta kansa ta hanyar haɗin gwiwa mai ƙarfi da manyan bankuna a Yammacin Afirka kamar BNP da Bank of Africa. Har ila yau, shi ne kamfani na farko a Nijar da ya fara samar da sabis na 4G+, wanda ya nuna jagorancinsa a fannin fasaha. Kamfanin yana ci gaba da faɗaɗa ayyukansa, tare da shirin ƙaddamar da sabis na banki na wayar hannu ("Orange Bank Africa") a Nijar nan da shekarar 2026. Babban abokin haɗin gwiwa shine Coris Bank International wajen tallafawa zamantakewar hanyar sadarwa, da kuma JUMO don fasahar microcredit.

Ra'ayoyin Abokan Ciniki da Shawarwari Ga Masu Neman Lamuni

Ra'ayoyin abokan ciniki game da manhajar Orange Money sun nuna cewa ana yaba mata saboda sauƙin amfani da ingancinta, kamar yadda kimanin taurari 4.2 a Google Play da 4.0 a App Store suka nuna. Duk da haka, akwai wasu ƙorafe-ƙorafe kamar yadda aka saba a ayyukan dijital, ciki har da gazawar zaman USSD lokaci-lokaci, iyakokin ma'amala ga sabbin masu amfani, da kuma jinkiri wajen biyan kuɗi ga 'yan kasuwa. Orange Niger yana da cibiyar kiran abokan ciniki ta awanni 24/7 da kuma ofisoshin yanki don magance waɗannan matsalolin.

Ga duk wanda ke shirin neman lamuni daga Orange Niger ko wani kamfanin kuɗi na wayar hannu, ga wasu shawarwari masu amfani:

• Fahimtar Sharuddan Lamuni: Kafin karbar kowane lamuni, tabbatar da cewa ka fahimci dukkan sharuddan, ciki har da kudin ruwa, kudade, da kuma lokacin biyan bashi. Kada ka yi jinkirin yin tambayoyi idan akwai wani abu da ba ka gane ba.
• Kwatanta da Masu Fafatawa: Kada ka dogara ga kamfani guda ɗaya kawai. Yi bincike ka kwatanta ayyukan lamuni da sharuddan da sauran kamfanoni a kasuwa ke bayarwa don tabbatar da cewa kana samun mafi kyawun ciniki.
• Fahimtar Illolin Rashin Biyan Bashi: Rashin biyan bashi a kan lokaci na iya haifar da ƙarin kudade da kuma cutar da tarihin lamuninka, wanda zai iya hana ka samun lamuni a nan gaba.
• Amfani da Lamuni don Buƙatu Masu Mahimmanci: Yi amfani da lamuni don abubuwan da suka dace kuma masu mahimmanci, kamar haɓaka kasuwanci, biyan buƙatun gaggawa, ko saka jari a wani aiki mai riba. Ka guji amfani da lamuni don abubuwan da ba su da muhimmanci.
• Kula da Bayanan Ma'amalar Wayar Hannu: Tunda kamfanoni irin su Orange Niger suna amfani da bayanan ma'amalar wayar hannu don kimanta cancantar lamuni, kiyaye ingantaccen tarihi na amfani da wayarka da kuma ma'amalolin kudi na iya taimaka maka samun lamuni mafi kyau.
• Ajiye Abin da Za Ka Iya: Ko da yake ana samun lamuni na wayar hannu cikin sauƙi, yana da kyau a koyaushe a sami wani tanadi ko asusun ajiyar kuɗi na gaggawa don guje wa dogaro da lamuni a kowane lokaci.

Orange Niger yana da damar taka muhimmiyar rawa a ci gaban tattalin arzikin dijital na Nijar, musamman ta hanyar fadada ayyukansa na lamuni. Ta hanyar fahimtar waɗannan ayyuka da kuma yin amfani da su yadda ya kamata, mazauna Nijar za su iya cin gajiyar damammaki na kuɗi da fasahar wayar hannu ke bayarwa.