👨🏿‍🚀I-TechCabal Yansuku zonke – Ikhokhiwe noma intengo yayo iphelile

IKenya ifuna izinkampani zokukhokha zibe nemali eningi ebhange ngaphambi kokuba zisebenze. Umthethosivivinywa omusha uphakamisa izidingo zemali ezifika ku-KES 250 million ($1.93 million), kanti abahlinzeki abakhona bathola unyaka owodwa wokuthobela lokho.

Chaza sengathi ngisanda kuqala lapha: Imakethe yokukhokha yaseKenya ikhule kakhulu ezinkampanini ezingaqala ezincane, ziqoqe imali, futhi zakhe kusukela lapho. UMthethosivivinywa Wesistimu Yokukhokha Kazwelonke ohlongozwayo, owashicilelwa ngoMsombuluko, ungashintsha indawo yokuqala.

Inkampani yokukhokha ingadinga imali eyinhloko esukela ku-KES 5 million ($39,000) yezinsizakalo zedatha eziyisisekelo kuya ku-KES 250 million ($1.93 million) yabakhiphi bemali kagesi. Imali kumele ivele kumasheya akhokhelwe ngokugcwele kanye nezimali ezigciniwe ezidaluliwe. Imali mboleko yomsunguli, imali ebolekiwe, kanye nesikweletu esiguqukayo ngeke sibalwe enhlokodolobha edingekayo. 

Izinkampani ezinelayisensi engaphezu kweyodwa zingabhekana nebhili ephezulu. Inkampani ekhipha imali ngogesi esebenzisa isikhwama semali ngogesi ingadinga ama-KES 275 million ($2.1 million).

Phakathi kwemigqa: Ingxenye ethakazelisayo akuyona nje ubukhulu bezidingo zemali, kodwa yilokho okufanelekelayo njengemali mboleko. Inkampani entsha ingaqoqa imali ngenothi eliguquguqukayo noma imali mboleko yomsunguli, ngenkathi isathola ukulingana kwemakethe yomkhiqizo. Ngaphansi kwemithetho ehlongozwayo, ayikho neyodwa engayisiza ukuthi ihlangabezane nomkhawulo welayisensi.

Kwabaqalayo, lokhu kungenza ukuxhaswa ngezimali kwezabelo kubaluleke kakhulu lapho kufakwa isicelo selayisense.

Akuwona wonke umdlali ozobhekana nendlela efanayo yokuthola amalayisense. Amabhange ezentengiselwano, izikhungo zezimali ezincane kanye namabhizinisi kahulumeni angasebenzisa izinsizakalo zokukhokha ngemvume yeBhange Elikhulu laseKenya (CBK), kunokuba asebenzise ilayisense yokukhokha ephelele, uma nje ehlangabezana nezidingo zawo zemali ezikhona. Okwamanje, izinkampani ezintsha zizoba nebhokisi lesanti lokuhlola imikhiqizo yokukhokha ngaphambi kokuthatha izidingo eziphelele zokuthola amalayisense.

Kungani lokhu kubalulekile: IKenya ichithe iminyaka yakha imakethe ye-fintech lapho izinkampani ezincane zingazama khona ingqalasizinda eyakhiwe yi-M-PESA namabhange. Imithetho ehlongozwayo ingenza imali ibe yisihlungi esikhulu sokuthi ubani oncintisanayo.

Khuluma kancane: Imithetho inganikeza abalawuli isiqiniseko esengeziwe sokuthi izinkampani zokukhokha ezinelayisensi zinemali eyanele ngemuva kwazo. Kodwa ingabe izinga lemali ephezulu lingenza kube nzima ngezinkampani ezincane ezisafufusa ukufinyelela eqophelweni lapho zingancintisana khona ngezinga elikhulu?

Ezindabeni eziningi zaseKenya, izwe liphakamisa olunye lwezinguquko zalo ezinkulu endleleni amabhange kanye nama-fintech ancintisana ngayo. Umthethosivivinywa omusha wokukhokha uzovumela amakhasimende ukuthi agunyaze ama-fintech ukuthi afinyelele idatha yawo yasebhange noma yeselula futhi unikeze iBhange Elikhulu laseKenya (CBK) amandla okudinga abahlinzeki ukuthi benze lokho kufinyelela kube nokwenzeka.

Chaza sengathi ngisanda kufika lapha: Namuhla, ibhange lakho liyazi ukuthi uthola malini, usebenzisa malini futhi uyonga malini. Umhlinzeki wakho wemali yeselula uyazi ukuthi uthumela kubani imali nokuthi kangaki. Ulwazi luwusizo ngoba lunikeza abahlinzeki isithombe esiningiliziwe sezimali zakho.

Ibhange elivulekile lizomboza izinsizakalo ezimbili ezahlukene ngaphansi komthethosivivinywa ohlongozwayo . Amakhasimende angagunyaza ama-fintech anelayisensi ukuthi afinyelele ulwazi kuma-akhawunti awo asebhange noma emalini yeselula, kanti olunye uhlobo lwe-fintech lungaqala izinkokhelo egameni lawo. Lo mthethosivivinywa udala ilayisensi yesevisi ngayinye.

Phakathi kwemingcele: Amabhange kanye ne-M-PESA bachithe iminyaka bakha imikhiqizo ezungeze idatha ekhiqizwe amakhasimende. Uma i-fintech ephikisanayo ingadonsa leyo datha, ngemvume, ingakha izinsizakalo ngaphandle kokuba ne-akhawunti lapho imali ikhona khona.

Cabanga ngenkampani ebonisa ibhange lakho, i-M-PESA, kanye namanye ama-akhawunti ezezimali endaweni eyodwa. Noma leyo esebenzisa umlando wakho wokuthengiselana ukuze inikeze umkhiqizo wezezimali ngaphandle kokuba yibhange lakho.

I-CBK ayikayithuthukisi ngokugcwele imithethonqubo, ngakho-ke lo mthethosivivinywa ushiya imibuzo mayelana nokuthi yiluphi ulwazi olungabiwa, ukuthi ukufinyelela kuzosebenza kanjani, nokuthi ngabe ama-fintech angayikhokhisa yini ngaphansi kwemithethonqubo yesikhathi esizayo.

Kungani lokhu kubalulekile: Ukubhanga okuvulekile kungenza ukushintshana phakathi kwezinsizakalo zezimali kube lula futhi kunikeze ama-fintech amancane ukufinyelela olwazini angalutholi njengamanje.

Uma iPhalamende liphasisa umthethosivivinywa, abahlinzeki bazoba nonyaka owodwa wokuthobela lo mthetho. Amabhange, izinkampani zobuchwepheshe bezimali kanye nezinkampani zemali yeselula kuzodingeka zenze izinhlelo zazo zisebenze nabancintisana nabo.

I-Pick n Pay, iqembu lezitolo ezinkulu zaseNingizimu Afrika, liqoke uSpencer Sonn , owayengumphathi weWoolworths Food, njengesikhulu esiphezulu esilandelayo (i-CEO), eletha isosha elidala laseWoolworths elineminyaka engu-26 ukuthi lithathe izintambo kuSean Summers ngoFebhuwari 2027. USonn wachitha iminyaka emihlanu ephethe ibhizinisi lokudla laseWoolworths eNingizimu Afrika, okumnika ulwazi empini yezitolo zokudla iPick n Pay ezama ukuwina.

Chaza sengathi ngisanda kuqala lapha: Inkinga yePick n Pay ayizange ibe yikota eyodwa nje embi. Iminyaka yokucindezeleka ezitolo ezinkulu zayo ekugcineni yaphoqa umthengisi ukuthi ashintshe iminyaka emithathu. USommers wabuya njenge-CEO ngo-2023 , wabe esehola ukubuyiselwa kwemali engu-R12.5 billion ($700 million) ngesipho samalungelo kanye nokufakwa ohlwini okuhlukile kweBoxer , ibhizinisi layo lokudla elinesaphulelo.

Ngaphansi kweSummers, umthengisi uphinde wavala noma waphuma ezitolo ezingasebenzi kahle. Kuwo wonke unyaka wezimali ka-2025 (FY25) kanye no-FY26, i-Pick n Pay yanciphisa ifa layo ngamasuphamakethe angu-98 aphethwe yizinkampani kanye nama-franchise.

Noma kunjalo, lokho kusetha kabusha kusebenze ngokungalingani. I-Boxer iqhubekile nokusebenza kahle kakhulu, ikhulisa inzuzo ngo-12.3% yaya ku-R42.6 billion ($2.63 billion) ku-FY26 futhi yaphakamisa inzuzo yokuhweba ngo-11.9% yaya ku-R2.6 billion ($160.5 million). Kodwa ukusebenza kwesitolo esikhulu se-Pick n Pay kwaqhubeka nokulahlekelwa: ukulahlekelwa kwayo kokuhweba ngemuva kwenzalo yokuqasha kwanda kwaya ku-R1 billion ($61.7 million) ku-FY26, kusukela ku-R500 million ($30.9 million) ngonyaka odlule, ngisho nalapho inzuzo yeqembu ikhuphuke ngo-3.4% yaya ku-R120.3 billion ($7.42 billion). Ngenxa yalokho inkampani ihlehlise umgomo wokunciphisa intengo webhizinisi elikhulu lesitolo esikhulu ngonyaka, yaya ku-FY29 kusukela ku-FY28.

Phakathi kwemigqa: USonn manje kufanele enze ibhizinisi elisele lezitolo ezinkulu lizuze imali yalo. Isu liya ngokuya liba nezinhlangothi ezimbili: I-Boxer, inkampani enikeza isaphulelo eholwa yinani, iqhuba ukukhula, kuyilapho i-Pick n Pay, inkampani eyinhloko yezitolo ezinkulu, igxile ekwakheni kabusha ukuncintisana ngamanani angcono, ukutholakala kwemikhiqizo, ukudla okusha, umkhiqizo wesitolo kanye nesisekelo sezindleko esilula. Inselele ukwenza ibhizinisi lokugcina libe nenzuzo ngaphandle kokulahlekelwa ukubaluleka komkhiqizo.

Sondeza: USonn uthola ifa lomthengisi omncane, osebenzisa imali eningi. Ukuqokwa kwakhe kumayelana nokufakazela ukuthi ukuhlengwa kwebhizinisi kungahlala, mhlawumbe esebenzisa izifundo zesikhathi sakhe eWoolworths Food ukusiza ukuvala leso sikhala.

I-Zipline, inkampani yokuthutha ama-drone yase-US, isayine isivumelwano seminyaka eyisishiyagalombili neCôte d'Ivoire, yandisa uhlelo lokuhlola ukulethwa kwezempilo lweminyaka emithathu lwaba inethiwekhi kazwelonke engakhonza abantu abayizigidi ezingu-12, cishe ingxenye yesithathu yabantu bakuleli zwe.

Le nkampani izokwengeza izikhungo eziyisishiyagalolunye ekusebenzeni kwayo okukhona, okulethe imikhiqizo yezokwelapha ecishe ibe yizigidi ezine ezikhungweni zezempilo ezingaphezu kuka-200 kusukela ngo-2023.

Chaza sengathi ngisanda kuqala lapha: I-Zipline ayigcini nje ngokuthengisa ama-drone. Le nkampani iqhuba ingqalasizinda ezungezile, okuhlanganisa izindawo zokugcina impahla, indawo yokugcina izinto ezibandayo, ukulandelela kwedijithali, kanye nokulethwa. Uhulumeni waseCôte d'Ivoire uzokhokha izindleko zokusebenza iminyaka eyisishiyagalombili. I-Zipline ithi uhulumeni ulindele imbuyiselo ephindwe kathathu ekutshalweni kwayo imali.

Phakathi kwemigqa: Lena yingxenye efanele ukuqashelwa. Ohulumeni base-Afrika basuka ekuhloleni ama-drone njengesixazululo esihlakaniphile sezindawo okunzima ukuzifinyelela baye ekuphatheni ukulethwa kwama-drone njengengxenye yohlelo lokuhlinzeka ngezempilo uqobo. Ku-Zipline, inkontileka yeminyaka eyisishiyagalombili ishintsha ibhizinisi kusukela ekusetshenzisweni kwephrojekthi ngayinye libe yimali engenayo yengqalasizinda ephindaphindayo.

Lo modeli uphinde ufanelane nomfutho omkhulu wokwanda. I-Zipline ibilokhu isebenza e-Afrika kusukela ngo-2016 futhi iyanda eNigeria —imakethe yayo enkulu kunazo zonke e-Afrika—enezindawo ezintsha ezingu-12. Le nkampani yama-drone iqoqe cishe amaRandi ayizigidi eziyizinkulungwane ezimbili emhlabeni jikelele futhi ixoxa ngomjikelezo wokuxhaswa ngemali ongamaRandi ayizigidi eziyizinkulungwane ezingu-1 ngenani elicishe libe amaRandi ayizigidi eziyizinkulungwane ezingu-20, kubika iBloomberg.

Sondeza: Ohulumeni bangaba amakhasimende engqalasizinda ye-Zipline, kuyilapho inkampani isebenzisa inethiwekhi efanayo kuyo yonke into kusukela emithini kuya ekudleni nakwezinye izinto ezithinta isikhathi. Njengeminye imisebenzi yayo yase-Afrika, i-Côte d'Ivoire iyisivivinyo esiwusizo nesibanzi sokuthi ama-drone angaba yini ingqalasizinda yomphakathi eyisicefe nethembekile.

Ungaphuthelwa yi-Moonshot 2026 nganoma yini emhlabeni!

Izimfuno zesilinganiso sangempela zidlulela ngale kokuhlanganiswa kwezinga eliphezulu ziye ekusebenzeni okuqinile. Sihlunge umsindo we-Moonshot 2026, senza ingqungquthela ibe ngcono kakhulu ukuze ixhumane kahle phakathi kwabasunguli bezinkampani ezintsha, abaqhubi bezimali bomhlaba wonke, abaholi bamabhizinisi kanye nabantu abaxhuma kabusha izinhlaka zobuchwepheshe zase-Afrika. Joyina nathi ngo-Okthoba 28 no-29, 2026. Thola ithikithi lakho.

Iwebhu Yomhlaba Wonke3

Source:

Igama lemali	Inani Lamanje	Day	izinyanga
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Solana	$119.11	+ 2.47%	+ 26.26%

* Idatha kusukela ngo-06.30 AM WAT, Septhemba 23, 2026.

Ibhalwe ngu: Emmanuel Nwosu noKenn Abuya

Ihlelwe ngu: Emmanuel Nwosu & Ganiu Oloruntade