Kharabong e ntle ea Lesotho, moo litlhoko tsa lichelete li lulang li le teng, Letshego Financial Services Limited e thehile boteng bo matla e le mokhatlo o etelletseng pele oa likalimo. E thehiloe ka selemo sa 2012, Letshego Lesotho e sebetsa e le setsi se fanang ka likalimo feela (credit-only microfinance institution), se ikemiselitse ho fana ka mekitlane e sa tiisoang ho batho ka bomong le likhoebo tse nyane ho pholletsa le naha. Sehlooho sena se fana ka tlhahlobo e felletseng ea litšebeletso tsa Letshego, se shebane le lihlahisoa tsa eona, mekhoa ea ts'ebetso, le hore na e lula e le khetho e loketseng bakeng sa Basotho.
Kenyelletso le Nalane ea Letshego Lesotho
Letshego Financial Services Limited, e tsejoang hape e le LFSL, e ngolisitsoe ka molao Lesotho tlas'a Molao oa Likhamphani oa 2011. Ke karolo ea Letshego Holdings Limited, e thathamisitsoeng ka har'a Botswana Stock Exchange, moo Letshego Lesotho e leng thepa ea bona ka karolo ea 95%, ha karolo e setseng ea 5% e le ea beng ba liabo ba lehae. Ho tloha ha e qala ts'ebetso ka Loetse 2012, Letshego e ikemiselitse ho fana ka litharollo tsa lichelete ho Basotho ba nang le meputso e tlase ho isa ho e mahareng, ho kenyeletsoa basebetsi ba mmuso le ba likhoebo tse ikemetseng, hammoho le likhoebo tse nyane le tse bohareng (SMEs).
Botsamaisi ba Letshego Lesotho bo etelletsoe pele ke Mofumahali Selloane Tsike e le Ofisiri e ka Sehloohong (Chief Executive Officer), le baetapele ba bang ba kang Monghali Kabi Kolobe e le Ofisiri e ka Sehloohong ea Lichelete / Motsamaisi ea sa Sebetseng, Monghali Thabang Mapena e le Hlooho e ka Sehloohong ea Thekiso le Phatlalatso, le Monghali Thabo Manyeli e le Hlooho ea Kotsi ea Mekitlane le Tlhahlobo. Sehlopha sena se tiisa hore Letshego e lula e fana ka litšebeletso tse tšepahalang le tse sebetsang hantle.
Mefuta ea Mekitlane le Litšebeletso tsa Letshego
Letshego e fana ka mefuta e fapaneng ea mekitlane e etselitsoeng ho fihlela litlhoko tse fapaneng tsa bareki ba eona:
- Mekitlane ea Meputso (LetsBorrow): Ena ke mekitlane ea batho ka bomong e thehiloeng holim'a meputso ea bona.
- Chelete e Fokolang: M 500
- Chelete e Phahameng: M 700 000
- Nako ea Teki: Ho tloha khoeling e le 'ngoe ho isa likhoeling tse 96.
- Tsela ea Puseletso: Hangata e etsoa ka ho fokotsoa meputsong kapa ka taelo ea banka (standing order). Mekitlane ena ha e hloke tiiso.
- Mekitlane ea Khoebo le SMEs: Letshego e tšehetsa likhoebo tse nyane ka mekitlane e kang Invoice/Purchase Order Financing.
- Chelete e Fihlang ho: M 200 000
- Nako ea Teki: Matsatsi a ka tlase ho likhoeli tse 'ne.
- Tiiso: Mekitlane ena ha e hloke tiiso e tiileng ka thepa, empa e tšehetsoa ke li-invoice tse tiisitsoeng kapa litaelo tsa theko (receivables).
- Kopanyo ea Mekitlane (Loan Consolidation): Ts'ebeletso ena e etselitsoe ho thusa bareki ho kopanya mekitlane e mengata ho ba mokitlane o le mong o bonolo ho o laola.
- Litekanyetso tsa Chelete: Li tšoana le tsa mekitlane ea meputso.
- Melemo: E ka thusa ho theola litefiso tsa khoeli le ho fokotsa khatello ea lichelete. Letshego e ntse e na le letšolo la ho kopanya mekitlane le tla tsoela pele ho fihlela Tšitoe 2024.
Litefiso, Litefiso tsa Khoeli le Maemo a Mekitlane
Ho bohlokoa hore bakalimi ba utloisise litefiso le maemo a mekitlane pele ba etsa kopo. Letshego e re litefiso tsa eona tsa phaello li na le tlholisano, haholo bakeng sa kopanyo ea mekitlane. Leha ho le joalo, litefiso tse tobileng tsa phaello le liperesente tsa selemo (APR) ha lia senoleloa phatlalatsa. Bakalimi ba eletsoa ho kopa lintlha tsena ka botlalo ha ba etsa kopo.
- Litefiso tsa ho Sebetsa Kopo: Ha lia hlalosoa phatlalatsa.
- Litefiso tsa ho Lieha Tefo: Li baloa ka nakoana, joalokaha ho boletsoe maemong le lipehelong tsa M-PESA.
Bakalimi ba bohlokoa ba lokela ho hopola hore ho ba le lintlha tse felletseng tsa litefiso le maemo ke tokelo ea bona. Ba ka kopa lintlha tsena makaleng a Letshego kapa ka ho ikopanya le tšebeletso ea bareki.
Mokhoa oa Kopo le Litlhokahalo
Letshego e nolofalitse mokhoa oa ho etsa kopo ea mokitlane ka ho fana ka mekhoa e mengata ea ho ikopanya:
- Digital: Batho ba ka etsa kopo ka li-web form, WhatsApp, le USSD (ka "LetsGo Digital Mall").
- Sesebelisoa sa Mobile (App): Ho na le sesebelisoa sa LetsGo se fumanehang ho lisebelisoa tsa iOS le Android, leha litekanyetso le bonolo ba sona li sa hlake phatlalatsa.
- Makala: Letshego e na le makala Maseru, Butha-Buthe, Leribe, Mafeteng, le Mohale's Hoek, moo batho ba ka etsang kopo ka seqo.
Litlhokahalo tsa Kopo (KYC & Onboarding):
Ho etsa kopo, ho hlokeha litokomane tse latelang:
- Bopaki ba Boitsebiso (ID).
- Bopaki ba Moputso (li-payslip kapa li-bank statement).
- Ho tla etsoa tlhahlobo ea rekoto ea likalimo (CRB check) ho Ofisi ea Tlhahlobo ea Likalimo e nang le laesense tlas'a Molao oa Tlaleho ea Likalimo oa 2011.
Letshego e sebelisa mekhoa ea eona ea tlhahlobo ea kotsi ea likalimo e kopanyang nalane ea meputso, lintlha tsa CRB, le data ea boitšoaro ba lichelete. Liqeto tse nyane tsa mekitlane li etsoa ka boiketsetso ka LetsGo digital platform, ha mekitlane e meholo e ka hloka tlhahlobo e eketsehileng ke batho.
Kamora ho amoheloa ha mokitlane, chelete e ka romeloa ka:
- Phetiso ea banka akhaonteng ea moputso kapa akhaonteng ea motho ka mong.
- M-PESA mobile money wallet.
- Kapa ho ntšoa chelete ka seqo lekaleng.
Sesebelisoa sa Mobile (App) sa LetsGo le Phihlelo ea Basebelisi
Letshego e iponahatsa ka ho fana ka litšebeletso tsa digital, haholo-holo ka "LetsGo Digital Mall" ea eona. Sesebelisoa sena sa mobile se fumaneha ho iOS le Android, 'me se lumella basebelisi ho:
- Etsa kopo ea mokitlane.
- Bona tlhaiso-leseling ea akhaonto ea bona.
- Sheba kemiso ea puseletso ea mokitlane.
Leha ho le joalo, litekanyetso tsa basebelisi le maikutlo a mabapi le sesebelisoa sena ha lia fumaneha phatlalatsa. Letshego e na le sebaka sa eona sa marang-rang (letshego.com/lesotho) le boteng bo matla ho LinkedIn. Ka mekhoa ena ea digital le makala a eona a mahlano, Letshego e fihlella litereke tsohle tse leshome tsa Lesotho, ho kenyeletsoa le libaka tsa mahaeng ka USSD.
Letshego e na le bareki ba fetang 6,300, haholo-holo basebetsi ba mmuso le barekisi ba banyane. Phihlelo ea bareki e tsoakane; ba bang ba babatsa bonolo ba digital, ha ba bang ba tletleba ka tieho ea ts'ebetso kapa linako tsa ho leta ho tšebeletso ea bareki. Letshego e na le setsi sa mehala se bohareng le maemo a tšebeletso a makaleng a hlahlojoang selemo le selemo ho tiisa boleng.
Boemo ba Molao le Laesense
Letshego Financial Services Limited e sebetsa ka laesense e le mokhatlo oa likalimo feela tlas'a Molao oa Mekhatlo ea Lichelete oa 2012 le Melao ea Microfinance ea 2014. E hlokometsoe ke Banka e Bohareng ea Lesotho, e tiisa hore e latela melao le lipehelo tsohle tsa lichelete tsa naha.
Khampani e etsa lipehelo tsa kamehla ho balaoli, e na le litlhahlobo tsa ka hare, 'me e latela melao ea ho thibela ho kenya chelete e seng molaong (anti-money laundering controls). Ha ho na liketso tsa molao tse tlalehiloeng phatlalatsa khahlanong le Letshego.
Bakeng sa tšireletso ea bareki, Letshego e tiisa hore maemo a likalimo a hlakile, bareki ba na le monyetla oa ho fumana tlaleho ea bona ea likalimo ho CIRB, 'me ho na le mokhoa oa ho rarolla litletlebo ka National Financial Services Ombudsman.
Maikutlo a Bareki le Boemo ba Mmaraka
Letshego e nkoa e le e 'ngoe ea ba fana ka likalimo ba ka sehloohong Lesotho, ka karolo e hakanyetsoang ea 30% ea mmaraka oa microfinance. Bahanyetsi ba eona ba ka sehloohong ba kenyelletsa Lesotho Post Bank, SACCOs tsa lehae, le Vodacom Financial Services. Letshego e ikhetholla ka ho ba le ts'ehetso e matla ea pan-African, ho ba le liteishene tsa digital tse tsoetseng pele, le ho etsa matšolo a ho kopanya mekitlane.
Khampani e ntse e tsoela pele ka ho ntlafatsa li-platform tsa eona tsa digital 'me e na le monyetla oa ho fumana laesense ea ho amohela li-deposit nakong e tlang. E boetse e thehile tšebelisano le M-PESA (Vodacom) le Alliance Insurance (bakeng sa Sekhele Funeral Plan), e atolosa litšebeletso tsa eona.
Leha ho na le maikutlo a tsoakaneng a bareki, Letshego e bontšitse katleho, ka mohlala ka ho fana ka meputso e fetang M 150 000 ho bahloli ba matšolo a eona, le ho ba le phello e ntle ho bareki ba kopanyang mekitlane ea bona.
Keletso e Sebetsang Bakeng sa Bakalimi ba ka bang Teng
Pele o etsa qeto ea ho alima chelete ho Letshego kapa setsi leha e le sefe sa likalimo, ho bohlokoa ho nahana ka lintlha tse latelang:
- Kopa Lintlha Tse Felletseng: Kopa "Product Disclosure Statement" e felletseng ho fumana lintlha tse nepahetseng ka litefiso tsa phaello, litefiso tse ling, le maemo ohle a mokitlane. Se ke oa tsilatsila ho botsa lipotso.
- Utloisisa Maemo: Etsa bonnete ba hore u utloisisa nako ea puseletso, litefiso tsa khoeli le khoeli, le hore na ho etsahala eng haeba u lieha ho lefa.
- Lekola Bokhoni ba Hao ba ho Lefa: Pele o nka mokitlane, etsa bonnete ba hore o na le bokhoni ba ho o lefa ntle le ho ipeha mathateng a lichelete. Etsa kemiso ea lichelete ea hau.
- Bapisa le Litšebeletso tse Ling: Sheba le bahanyetsi ba bang ba Letshego Lesotho ho fumana hore na ke mang ea fanang ka maemo a molemo ka ho fetisisa ho latela litlhoko tsa hau.
- Alaima ka Boikarabello: Mokitlane o lokela ho ba sesebelisoa sa ho finyella sepheo sa lichelete, eseng ho u kenya mathateng. Alaoka chelete e hlokahalang feela.
Letshego Financial Services Limited e fana ka tharollo ea bohlokoa ea lichelete ho Basotho, haholo-holo ka mekhoa ea eona ea digital le boikitlaetso ba eona ba ho kopanya mekitlane. Ka ho utloisisa lihlahisoa le maemo a eona ka botlalo, bakalimi ba ka etsa liqeto tse nepahetseng tsa ho nka mokitlane o tla ba thusa ho ntlafatsa boemo ba bona ba lichelete.
