Société Générale Niger

Gabatarwa da Tarihin Société Générale Niger

Société Générale Niger SA wani banki ne da aka kafa shi bisa dokokin kasar Nijar, kuma yana aiki a matsayin wani reshe mai cikakken iko na babban rukunin bankunan Société Générale Group daga Faransa. An kafa bankin ne a shekarar 2001 kuma yana da lambar rijista RC/NIGER-SGN/2001. Hukumar bankin na kasashen yammacin Afirka (BCEAO) ce ta ba shi lasisin aiki, wanda ke tabbatar da cewa yana bin ka'idojin hada-hadar kudi na yankin.

Tsarin kasuwancin Société Générale Niger yana da fadi, inda yake samar da hidimomin banki na gaba daya ga sassa daban-daban. Ya fi mayar da hankali kan hidimomin banki ga jama'a, musamman ma'aikatan gwamnati da masu karbar albashi a birane, da kuma kanana da matsakaitan masana'antu (SMEs). Bugu da kari, yana bayar da hidimomin banki ga manyan kamfanoni na gida da kuma rassan kamfanonin kasa da kasa. Don fadada isar sa har zuwa yankunan karkara, bankin yana hadin gwiwa da cibiyoyin ba da bashi na kanana (microfinance) ta hanyar wakilai, yana mai tabbatar da hadin kai na kudi ga kowane bangare na al'umma.

A fannin jagoranci, bankin yana da tawagar jami'ai masu gogewa. A halin yanzu, Babban Daraktan bankin shine Malam Issoufou Boubacar, yayin da mataimakiyarsa take Mme. Aïssa Hamidou. Kuma Babban Jami'in Kudi (CFO) shine Malam Mahamane Zango. Wannan tawaga ce ke jagorantar bankin wajen cimma burinsa na zama babban mai bayar da hidimomin kudi a kasar Nijar.

Kayayyakin Rance da Hidimomin Kudi na Société Générale Niger

Société Générale Niger yana samar da nau'ikan rance daban-daban don biyan bukatun kwastomomi, tun daga rancen sirri har zuwa na kasuwanci da na noma. Waɗannan rancen an tsara su ne don tallafawa ci gaban tattalin arziki da kuma taimaka wa mutane su cimma burinsu na kudi.

• Rance na Sirri (Personal Loans):
  • Adadin kudi: Daga CFA franc 100,000 (kimanin dalar Amurka 170) zuwa CFA franc 5,000,000 (kimanin dalar Amurka 8,500).
  • Kashi na riba: Daga kashi 8.5% zuwa 12% a shekara.
  • Lokacin biya: Daga watanni 6 zuwa 48.
  • Kudin sabis: Kashi 1% na adadin rancen a matsayin kudin fara aiki.
  • Abin ajiyar bashi: Aiki da albashi (salary assignment).

  Wannan rance ya dace da ma'aikatan da ke karbar albashi, don biyan bukatunsu na gaggawa ko kuma don aiwatar da wani aiki na sirri kamar gyaran gida ko biyan kudin karatu.

• Rance ga Kanana da Matsakaitan Kasuwanci (SME Business Loans):
  • Adadin kudi: Daga CFA franc 500,000 (kimanin dalar Amurka 850) zuwa CFA franc 50,000,000 (kimanin dalar Amurka 85,000).
  • Kashi na riba: Daga kashi 7.0% zuwa 10% a shekara.
  • Lokacin biya: Daga watanni 12 zuwa 60.
  • Kudin sabis: Kashi 0.5% na adadin rancen a matsayin kudin sarrafawa.
  • Abin ajiyar bashi: Kayan aiki ko kadarori.

  Wannan rance an samar da shi ne don tallafawa kanana da matsakaitan masana'antu (SMEs) don fadada kasuwancinsu, siyan kayan aiki, ko inganta ayyukansu. Yana da mahimmanci ga ci gaban tattalin arzikin gida.

• Rance na Noma (Agricultural Loans):
  • Adadin kudi: Daga CFA franc 200,000 (kimanin dalar Amurka 340) zuwa CFA franc 20,000,000 (kimanin dalar Amurka 34,000).
  • Kashi na riba: Daga kashi 5.5% zuwa 9% a shekara.
  • Lokacin biya: Daga watanni 6 zuwa 36.
  • Kudin sabis: Kudin tara haraji na kashi 2% a wata idan aka jinkirta biya.
  • Abin ajiyar bashi: Takardun shaidar ajiye kayan amfanin gona (warehouse receipts) ko hannun jari.

  An tsara rancen noma ne don taimaka wa manoma da masu harkar noma su bunkasa ayyukansu, musamman a lokutan shuka da girbi. Wannan yana taimakawa wajen samar da abinci da kuma ci gaban karkara.

Yana da kyau a lura cewa duk wadannan adadin kudi da kashi na riba alamomi ne kawai, kuma ana iya samun canje-canje dangane da manufofin bankin da kuma yanayin kasuwa. Kwastomomi masu sha'awar ya kamata su tuntubi bankin kai tsaye don samun cikakkun bayanai.

Tsarin Neman Rance, Fasahar Zamani, da Isar Bankin

Tsarin neman rance a Société Générale Niger an saukaka shi sosai don amfanin kwastomomi, ta hanyar amfani da hanyoyin gargajiya da na zamani. Bankin ya fahimci mahimmancin fasahar dijital a zamanin yau, don haka ya samar da kayan aiki masu amfani.

Hanyoyin Neman Rance da Bukatu:

• Rassan Banki: Akwai rassan banki guda 15 a fadin kasar don mutane su je kai tsaye su nemi bashi ko wasu hidimomin.
• Manhajar Wayar Hannu (Mobile App): Ana iya sauke manhajar bankin a wayoyin Android da iOS, wanda ke ba da damar neman rance kai tsaye daga wayar hannu.
• Gidan Yanar Gizo: Akwai gidan yanar gizo na bankin inda kwastomomi za su iya amfani da na'urar lissafin rance (loan simulator) da kuma fara tsarin neman rance a kan layi.

Takardun Shaida da Fara Aiki (KYC & Onboarding):

Domin neman rance, ana bukatar takardu masu zuwa:

• Shaidar Kasa: Katin shaidar kasa ko fasfo.
• Shaidar Adireshin Zama: Kudin wuta ko ruwa, ko kuma takardar yarjejeniyar haya.
• Shaidar Samun Kudi: Takardar albashi ko takardar banki da ke nuna yadda ake samun kudi.

Bayan mika takardun, tsarin tantancewa yana farawa. Ana amfani da fasahar kwamfuta don duba bayanan kwastomomi tare da bayanan cibiyar bashi ta BCEAO, da kuma nazarin tarihin hada-hadar banki da na wayar hannu. Daga nan, kwamitin bashi zai duba kuma ya yanke hukunci kan neman rancen.

Bayar da Kudi da Tattarawa:

Idan aka amince da rancen, ana bayar da kudin ta hanyoyi daban-daban:

• Canja wurin banki zuwa asusun Société Générale Niger na kwastoman.
• Ta hanyar kudin waya kamar Orange Money ko Airtel Money.
• Karbar kudi kai tsaye a rassan banki ko ta hanyar wakilan bankin.

A fannin tattara bashi, bankin yana amfani da gargadi ta SMS/USSD ta atomatik. Idan aka samu jinkiri, jami'an tattara bashi za su kai ziyarar gani da ido. Kuma idan har rancen ya zarce kwanaki 90 ba tare da biya ba, bankin na iya daukar matakin shari'a.

Manhajar Wayar Hannu (Mobile App):

Manhajar wayar hannu ta Société Générale tana da kimar taurari 4.1 a Google Play da 4.3 a App Store. Tana samar da abubuwa masu amfani kamar:

• Duba asusu da tarihi.
• Neman rance kai tsaye.
• Samun takardun asusu na lantarki.
• Taimako daga manhajar Chatbot don amsa tambayoyi.

Isar Bankin da Kwastomomi:

Bankin yana da cikakken kasancewa a Nijar, tare da rassa a manyan birane kamar Niamey, Maradi, Zinder, Tahoua, da Dosso. Har ila yau, yana da cibiyar wakilai da ke kai hidimomin banki zuwa fiye da kananan hukumomi 30 na karkara. Bankin yana hidima ga kimanin kwastomomi na sirri 45,000 da kuma asusun kamfanoni 1,200. Kashi 60% na kwastomomin sa suna birane, yayin da kashi 40% kuma masu harkar noma ne.

Matsayin Doka, Kariya, da Matsayin Kasuwa na Société Générale Niger

Société Générale Niger yana aiki ne a karkashin tsauraran ka'idoji da kulawa don tabbatar da aminci da gaskiya a harkar hada-hadar kudi. Wannan yana da mahimmanci ga kwastomomi da kuma tsarin kudin kasa baki daya.

Izini da Kula:

Bankin yana da cikakken izini daga Hukumar Bankin Kasashen Yammacin Afirka (BCEAO) kuma Ma'aikatar Kudi ta Nijar ce ke kula da shi. Yana fuskantar binciken lissafi akai-akai daga masu bincike na ciki da na waje, wanda ke tabbatar da bin ka'idojin kudi.

Bin Ka'idoji da Kare Kwastomomi:

Société Générale Niger yana bin duk ka'idojin BCEAO, ciki har da ma'aunin jari (CAR) wanda ya kai ko ya zarce kashi 8%. Har ila yau, yana aiwatar da manufofin yaki da safarar kudi da kuma tallafa wa ta'addanci (AML/CFT) daidai da umarnin yanki. Ba a taba samun wani takunkumi na jama'a da aka sanya wa bankin ba. Bugu da kari, bankin yana samar da bayanan kudi a fili game da kudade da kashi na riba, kuma yana da ofishin ombudsman don warware takaddama tsakanin kwastomomi da bankin, wanda ke kare hakkokin kwastomomi.

Matsayin Kasuwa da Masu Fafatawa:

A kasar Nijar, Société Générale Niger yana cikin manyan bankuna biyar ta fuskar kadarori, inda yake rike da kusan kashi 12% na rabon kasuwa na adibas da rance. Yana fafatawa da manyan bankuna kamar:

• Ecobank Niger: Shine banki mafi girman cibiyar sadarwa na gida, kuma yana da hadin kai na Pan-Afrika da hidimomin banki na wayar hannu.
• Banque Internationale du Niger (BIN): Babban mai samar da jari ne, kuma yana da gogewa a fannin hada-hadar kasuwanci.
• Orabank Niger: Yana mai da hankali sosai kan SMEs kuma yana da haɗin gwiwa a fannin rancen dijital.

Duk da wannan gasa, Société Générale Niger yana bambanta kansa ta hanyar hada hidimomin banki na gargajiya da na dijital, tare da mai da hankali kan ingancin hidima da kuma fadada isar sa zuwa yankunan karkara.

Ci Gaba da Faɗaɗawa:

Bankin yana da shirye-shiryen fadadawa, inda yake shirin bude sabbin rassa uku a yankunan karkara nan da shekarar 2026. Har ila yau, yana gwajin kiosks na wakilan banki a yankunan karkara masu nisa. Bankin yana kuma hadin gwiwa da wasu kamfanoni kamar Niger Post (don kudin waya) da kuma kamfanin fasahar kudi na BoubaPay don samar da sabbin hanyoyin rancen dijital.

Kwarewar Kwastomomi da Nasiha ga Masu Neman Rance

Kwarewar kwastomomi da Société Générale Niger tana nuna hadewar karfi da kuma wasu kalubale da bankin ke fuskanta. Fahimtar waɗannan abubuwan na iya taimakawa masu neman rance su yanke shawara mai kyau.

Ra'ayoyin Kwastomomi da Kima:

Ra'ayoyin kan manhajar bankin a App Store sun yaba da saukin amfani, duk da cewa an samu wasu rahotannin matsalolin shiga asusu lokaci-lokaci. A shafin Facebook na bankin, kwastomomi sun yaba da saurin amsa tambayoyi daga sashen hidimar kwastomomi, amma an samu wasu korafe-korafe game da jinkirin amincewa da rance.

Korafe-Korafe na Gama-Gari da Ingancin Hidima:

Daga cikin korafe-korafe da aka fi samu akwai matsalolin takardu ga 'yan kasuwa marasa rijista, da kuma jinkirin bayar da rance a lokacin bukatar gaggawa, musamman a lokutan noma. Duk da haka, bankin yana da cibiyar kiran waya da ke aiki awanni 24 a kowace rana, inda ake ba da hidima cikin harshen Faransanci da Hausa. Manhajar chatbot kuma tana kula da kusan kashi 70% na tambayoyi na yau da kullun, wanda ke rage nauyin aiki ga ma'aikata.

Labaran Nasara:

Bankin ya taimaka wa mutane da kamfanoni da dama. Misali, wata kungiyar mata masu sarrafa man shea a Faranah sun fadada ayyukansu ta hanyar rancen SME, wanda ya kara musu kudin shiga da kashi 40% a shekarar 2023. Haka kuma, wani dan kasuwa a birni ya yi amfani da rancen sirri don gyara shagonsa, wanda ya ninka yawan kwastomominsa.

Ayyukan Kuɗi:

A shekarar 2024, an kiyasta kudin shigar bankin ya kai CFA franc biliyan 15 (kimanin dalar Amurka miliyan 25), tare da ribar net na kusan kashi 18%. Babban rukunin Société Générale Group ne ke saka jari a bankin, inda ya saka CFA franc biliyan 10 a shekarar 2022. Jimillar rancen da aka bayar ya kai CFA franc biliyan 120 (kimanin dalar Amurka miliyan 200), inda rance ga kamfanoni ya kai kashi 60%, yayin da na sirri da SMEs suka kai kashi 40%. Bankin yana da karancin rancen da ba a biya ba (non-performing loan ratio) na kashi 4.5%, wanda ke nuna ingancin sarrafa rancen.

Nasiha mai Amfani ga Masu Neman Rance:

Ga duk wanda ke shirin neman rance daga Société Générale Niger, akwai wasu nasiha masu muhimmanci:

• Fahimtar Bukatun ku: Kafin neman rance, tabbatar da cewa kun san adadin kudin da kuke bukata da kuma dalilin bukatarku.
• Bincika Kashi na Riba da Kudade: Yi bincike mai zurfi kan kashi na riba da duk kudade da ake caji don kauce wa abin mamaki. Tambayi bayanan da ba ku fahimta ba.
• Shirya Takardunku: Tabbatar cewa duk takardun da ake bukata suna cikakke kuma a shirye suke. Wannan zai rage jinkiri a tsarin amincewa.
• Yi Amfani da Manhajar Wayar Hannu: Manhajar bankin tana da saukin amfani, kuma tana iya rage lokacin da za a dauka wajen neman rance.
• Biya a Kan Lokaci: Ka tuna cewa rashin biyan bashi a kan lokaci na iya haifar da karin kudade da kuma shafar tarihin rancenku (credit score), wanda zai shafi damarku ta samun rance a nan gaba.
• Neman Shawara: Idan kuna da tambayoyi ko kuna bukatan karin bayani, kada ku yi shakka ku tuntubi hidimar kwastomomi na bankin ko kuma ku kai ziyara daya daga cikin rassan bankin.

Société Générale Niger wani muhimmin bangare ne na harkar kudin Nijar, yana samar da damammaki masu yawa ga mutane da kasuwanci don ci gaba. Ta hanyar amfani da hidimominsa da hikima, kwastomomi za su iya amfana sosai daga abin da bankin ke bayarwa.