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Meet M-Shwari from Safaricom!!!!
josiah33
#81 Posted : Wednesday, November 28, 2012 10:03:28 AM
Rank: Elder

Joined: 1/27/2011
Posts: 1,777
I tried updating my Mpesa menu to get M-Swari and it doesn't work.
Muheani
#82 Posted : Wednesday, November 28, 2012 10:32:10 AM
Rank: Veteran

Joined: 11/20/2009
Posts: 1,402
josiah33 wrote:
I tried updating my Mpesa menu to get M-Swari and it doesn't work.


josh
Had same prob
Was sorted through safcom twitter. Tweet them n DM your Number
2012
#83 Posted : Wednesday, November 28, 2012 12:07:06 PM
Rank: Elder

Joined: 12/9/2009
Posts: 6,592
Location: Nairobi
How will they deal with defaulters because I can see more defaults than anything else. A loan of 100k to be pain at 7.5% in 30 days spells M-shauri yao.

BBI will solve it
:)
Elder
#84 Posted : Wednesday, November 28, 2012 12:20:46 PM
Rank: Elder

Joined: 9/7/2010
Posts: 2,148
Location: elderville
2012 wrote:
How will they deal with defaulters because I can see more defaults than anything else. A loan of 100k to be pain at 7.5% in 30 days spells M-shauri yao.

Now imagine doing debt collection for 50k or less for say five million people. Nightmare stuff right there.
He who can express in words the ardour of his love, has but little love to express. - Petrach, Son. (That men by various ways arrive at the same end. - Montaigne, The Essays of.)
Caveman
#85 Posted : Wednesday, November 28, 2012 12:31:18 PM
Rank: Member

Joined: 4/15/2009
Posts: 371
Elder wrote:
2012 wrote:
How will they deal with defaulters because I can see more defaults than anything else. A loan of 100k to be pain at 7.5% in 30 days spells M-shauri yao.

Now imagine doing debt collection for 50k or less for say five million people. Nightmare stuff right there.

In my opinion, Safaricom considered all these before going commercial on the product. Very few people will be eligible for a loan exceeding Ksh. 1,000.
rock
#86 Posted : Wednesday, November 28, 2012 12:52:20 PM
Rank: Veteran

Joined: 2/25/2009
Posts: 973
Caveman wrote:
Elder wrote:
2012 wrote:
How will they deal with defaulters because I can see more defaults than anything else. A loan of 100k to be pain at 7.5% in 30 days spells M-shauri yao.

Now imagine doing debt collection for 50k or less for say five million people. Nightmare stuff right there.

In my opinion, Safaricom considered all these before going commercial on the product. Very few people will be eligible for a loan exceeding Ksh. 1,000.
Vetting process is strict.They are encouraging people to use their banking system.
Gadaffi
#87 Posted : Wednesday, November 28, 2012 1:30:34 PM
Rank: Member

Joined: 2/13/2011
Posts: 284
Location: Nairobi
2012 wrote:
How will they deal with defaulters because I can see more defaults than anything else. A loan of 100k to be pain at 7.5% in 30 days spells M-shauri yao.

I thot the max loan amt is 20k, wea r u gettin 100k.
Nway, loan default can b a nightmare n they wil nid 2 form a competent credit section.
Does anyone whether they will b marking a lien on ur savings in M-shwari A/C when u take up a loan??
Obi 1 Kanobi
#88 Posted : Wednesday, November 28, 2012 2:28:09 PM
Rank: Elder

Joined: 7/23/2008
Posts: 3,017
@7.5% per month, Safcom has now officially entered the shylock business.
"The purpose of bureaucracy is to compensate for incompetence and lack of discipline." James Collins
Mpenzi
#89 Posted : Wednesday, November 28, 2012 3:44:35 PM
Rank: Veteran

Joined: 10/17/2008
Posts: 1,234
Gadaffi wrote:
2012 wrote:
How will they deal with defaulters because I can see more defaults than anything else. A loan of 100k to be pain at 7.5% in 30 days spells M-shauri yao.

I thot the max loan amt is 20k, wea r u gettin 100k.
Nway, loan default can b a nightmare n they wil nid 2 form a competent credit section.
Does anyone whether they will b marking a lien on ur savings in M-shwari A/C when u take up a loan??


Minimum Loan - Kshs 100/=

Maximum Loan - Kshs 20,000/=

Despite the maximum of 20K, the max that one can actually borrow seems to be much lower to reduce risk of default.
wa P
#90 Posted : Wednesday, November 28, 2012 6:16:06 PM
Rank: Member

Joined: 5/26/2009
Posts: 326
Location: Nairobi
[quote=Caveman]I bet this will be the next big thing after Mpesa.
http://www.businessdaily.../-/kkxxo2z/-/index.html[/quote]

Tough luck!! This is not an M-pesa peer, just a by-product like paybill or the better known flop , M-Kesho.
Safcom has nothing to do with M-swali; other than providing the m-pesa platform and bodies (subscribers) at a small shared fee.

Wishing CBA luck, but pointing out few facts:
1. If you default, they cannot call your contacts. That will be breach of confidentiality (on CBA's part) regardless of what their Tand C say. (the T and C are not superior to legislation.)
2. The cost of following up a default of couple of thousands will not be worthwhile. ask 'Member'.
3. The biggest dilemma by CBK is a growing population of defaulters who seem unfazed by CRB adverse listings. A good number of borrowers seem to be finding fame out of giving banks a piece of their trade.

But again, I wish cba luck.

On a light note: The launch had likes of Kajwang, jugu na dungu (any relation with kwa jugunas?) and githae. The only time such got together is the day before 'bullfighter karware spoke - if you get my drift.
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