Fakiti ga kowace ƙasa da kuke ba da lamuni a cikinta.
Kowane fakitin ƙasa na saita binciken shaidar ƙasa, tsarin lambar waya, hukumar bayanan bashi, hanyoyin biyan kuɗi, iyakokin lamuni, bayanan bayyanawa da rahotanni. Ku canza fakitin, sai rajista, bincike da Takardar Muhimman Bayanai su biyo baya. Ƙa'idojin mafari ne daga majiyoyin jama'a; ƙungiyar bin ƙa'idarku ce ke tabbatar da su.
Ƙasashe goma a yau.
Kudancin Asiya, ƙasashen Tekun Fasha da Afirka, kowace da hukumar sa idonta, hukumar shaidarta da hukumar bayanan bashinta.
| Ƙasa | Binciken shaida | Hukumar bayanan bashi | Biyan kuɗi | Hukumar sa ido | Harsuna |
|---|---|---|---|---|---|
| Pakistan PKR | CNIC: NADRA Verisys da BVS | SBP eCIB, Tasdeeq, DataCheck | Raast, JazzCash, Easypaisa, 1LINK, IBFT | State Bank of Pakistan (bankuna, MFB); SECP (NBFC, masu ba da lamuni ta dijital) | Turanci, Urdu |
| Bangladesh BDT | NID: Tabbatar da NID ta Hukumar Zaɓe | Bangladesh Bank CIB | bKash, Nagad, Rocket, Upay, NPSB, BEFTN | Bangladesh Bank; MRA (ƙananan lamuni) | Turanci, Bangla |
| Saudiyya SAR | Shaidar ƙasa / Iqama: Nafath; Yakeen | SIMAH | SARIE, mada, SADAD, STC Bank, Open Banking (PIS) | Saudi Central Bank (SAMA) | Larabci, Turanci |
| Haɗaɗɗiyar Daular Larabawa AED | Emirates ID: UAE Pass; ICP | AECB | UAEFTS, Aani, Open Finance (Al Tareq) | Central Bank of the UAE (CBUAE) | Larabci, Turanci |
| Najeriya NGN | NIN: NIMC NIN; NIBSS BVN | CRC, FirstCentral, CreditRegistry | NIBSS NIP, OPay, Moniepoint, PalmPay, MTN MoMo PSB, USSD | CBN; FCCPC (masu ba da lamuni ta dijital) | Turanci, Hausa |
| Kenya KES | Shaidar ƙasa: IPRS | Metropol, TransUnion, Creditinfo | M-Pesa (Daraja), Airtel Money, PesaLink | Central Bank of Kenya (bankuna da masu ba da bashi ta dijital) | Turanci, Swahili |
| Masar EGP | Shaidar ƙasa: Civil Status Organization | iScore | InstaPay, Fawry, Meeza, Vodafone Cash | Central Bank of Egypt; FRA (lamunin masu sayayya da ƙananan lamuni) | Larabci, Turanci |
| Ghana GHS | Ghana Card: NIA Ghana Card | XDS, Dun & Bradstreet Ghana, Hudson Price | MTN MoMo, Telecel Cash, AT Money, GhIPSS | Bank of Ghana | Turanci, Hausa |
| Senegal XOF | CNI: Shaidar ƙasa (katin CEDEAO) | BIC (Creditinfo VoLo) | Wave, Orange Money, Free Money, GIM-UEMOA | BCEAO | Faransanci, Turanci |
| Mozambique MZN | BI: Bilhete de Identidade | Central de Registo de Crédito | M-Pesa, e-Mola, mKesh | Banco de Moçambique | Fotigal, Turanci |
Kowace ƙasa kamfanin lamuni ne mai zaman kansa.
Zaɓar ƙasa na saita kamfanin da kuɗinsa; harshe zaɓi ne daban. A cikin demo, Rahbar rukunin lamuni ne na ƙage mai kamfani a kowace ƙasa. Rukunin banki na gaske na haɗa kowane kamfaninsa mai lasisi da fakitin ƙasarsa, kuma bankin da ke ƙasa ɗaya kawai yana da fakiti ɗaya.
- Pakistan Rahbar Bank Limited, PKR
- Bangladesh Rahbar Finance Bangladesh PLC, BDT
- Saudiyya Rahbar Finance Company, SAR
- Haɗaɗɗiyar Daular Larabawa Rahbar Finance LLC, AED
- Najeriya Rahbar Microfinance Bank Nigeria Ltd, NGN
- Kenya Rahbar Credit Kenya Ltd, KES
- Masar Rahbar Consumer Finance Egypt, EGP
- Ghana Rahbar Savings and Loans Ghana, GHS
- Senegal Rahbar Microfinance Senegal, XOF
- Mozambique Rahbar Microbanco Mozambique, MZN
Ƙa'idojin gida da ya dace a sani.
- Pakistan. Wa'adin banki ba tare da kuɗin ruwa ba: 1 ga Janairu 2028. Ya kamata hanyoyin Musulunci su kasance a shirye.
- Bangladesh. Lamunin dijital har zuwa Tk 50,000 na watanni 12 tare da e-KYC ta biometric.
- Saudiyya. DBR 33.33% na albashi ga ba da kuɗi na kai da ake cirewa daga albashi; biya gaba da lokaci an iyakance shi zuwa ribar watanni 3.
- Haɗaɗɗiyar Daular Larabawa. Lamunin kai har zuwa ninki 20 na albashi da watanni 48.
- Najeriya. Babu shiga jerin lambobin waya ko kunyatarwa wajen karɓar bashi; tabbatar da karɓar ƙorafi cikin awa 24.
- Kenya. CBK ce ke amincewa da farashi; harajin excise na 20% kan kuɗaɗen masu ba da lamuni.
- Masar. OTP lokacin sa hannu kan kwangila da lokacin bayar da kuɗi.
- Ghana. Masu ba da sabis na bashi ta dijital da BoG ta ba lasisi.
- Senegal. Iyakokin kuɗin ruwa na WAEMU: 14% ga bankuna, 24% ga ƙananan lamuni da sauransu (daga Yuni 2026).
- Mozambique. Kasuwar misali ta ƙasashen Afirka masu magana da Fotigal.
Sabuwar ƙasa fakiti ce, ba sabon tsari ba.
Kuɗi, ƙa'idojin shaida, hukumar bayanan bashi, iyakokin ƙima, lokutan janyewa da harsuna saituna ne da ƙungiyarku ke sarrafawa.
Yana magana da harsunan abokan cinikinku
Turanci, Urdu, Larabci, Bangla, Faransanci, Fotigal, Swahili da Hausa a yau, tare da allo daga dama zuwa hagu don Urdu da Larabci. Ana iya ƙara wasu harsuna ba tare da canza lambar shirin ba.
Ku gan shi da hajojinku na kanku
Za mu shirya demo da hajojinku, iyakokinku da alamar kasuwancinku, sannan mu yi wa ƙungiyoyinku na lamuni, bin ƙa'ida da IT cikakken bayani.