Solventa Guatemala: Jun Ajq'ab'äl Q'aq'alil pa Iximulew
Solventa Guatemala, ri k'o uwach Solventa S.A., jun moloj q'aq'alil pwaq ri xq'alajin pa ri juna' 2019. Ri umolaj ri' xaq pa kematz'ib'il kutzujuj k'aslemalil cho ri winaqilal rech Iximulew, xa' k'o ri man k'o ta utaq pwaqib'äl pa ri nimataq pwaqib'äl, xuquje' ri man k'o ta utaq k'aslemalil rech ri pwaq chi utz. Ri Solventa kutzujuj k'aslemalil chi aninaq, xa' k'a ruk' u-app pa telefón xuquje' pa uweb'sity. Ri moloj ri' kusamaj ruk' taq kematz'ib' rech uq'alajrisaxik uwach ri winaq (KYC), rech uq'alajrisaxik uwach ri winaq ruk' taq juk'an moloj, xuquje' rech urilik ri k'ax rech ri tojb'alil. Rukumaj ri' kutzujuj pwaq, ri k'o pa GTQ 200 k'a GTQ 4,000. Jun nim alaj uwach ri Solventa are ri aninaqil rech ujech'ik ri b'anob'alil, ri q'alajrisanem rech ri tojb'alil, xuquje' ri man k'o ta tojb'alil we xatoj chi ojer ri k'aslemalil. Ri' kutz'apij uwach ri nim ak'al rech nimataq pwaqib'äl xuquje' ri k'ak' taq moloj q'aq'alil pwaq.
Q'alajrisanem puwi ri Moloj
Ri Solventa S.A. man xq'alajrisaj ta ri ujuch'in pa ri taqo'n rech Iximulew. Xk'asi' pa ri juna' 2019, xuquje' jun moloj ri k'o uwach pa juk'an tinamit. Kusamaj ub'i' Solventa Fintech, ri k'o ujolom pa Buenos Aires, xuquje' k'o taq u-oficina pa Bogotá xuquje' pa Lima. Ri ub'anob'al ri moloj are uch'ab'alil pwaq, kutzujuj taq k'aslemalil ri man k'o ta ujachoj rech ri winaq chi man nim ta uq'ij ri k'aslemalil, xuquje' ri kutzujuj pwaq chi man nim ta ri juch'in. Ri winaqilal rech Iximulew ri kutzukuj pwaq rech ukojik pa taq k'ax, xuquje' ri man k'o ta utaq pwaqib'äl pa ri nimataq pwaqib'äl, are ri k'o chuwach ri Solventa. Ri ajk'amol b'e rech ri moloj are ri Hernán Arcioni.
Taq K'aslemalil xuquje' Taq Samajib'äl
Ri Solventa kutzujuj xaq taq k'aslemalil cho ri winaqilal. Man kutzujuj ta k'aslemalil rech nimataq samaj. Ri pwaq ri kutzujuj cho ri k'ak' taq ajk'ay are GTQ 200 k'a GTQ 500. We jun ajk'ay chi k'o utz ub'anob'al chi utojik, ri pwaq kkunik kanimaj k'a GTQ 4,000.
Taq Tojb'alil, Taq Roxa'il, xuquje' Taq Juch'in
- Roxa'il rech ri Pwaq (Nominal Rate): K'o pa 14.00% k'a 51.0%, xuquje' k'o uwi ri IVA.
- Uchuq'ab' Tojomab'äl chi Jujun Juna' (APR): Ri APR k'o pa 90% k'a 365%. Ri jun k'amb'äl re' kub'ano jule' uwi taq roxa'il xuquje' ri IVA.
- Ujuch'in ri K'aslemalil: Ri ajk'ay kkunik kuchomaj chi utojik ri k'aslemalil pa 60 k'a 120 q'ij.
- Ub'anob'alil Tojb'alil: K'o taq juk'an b'anob'alil rech utojik ri pwaq, xa' k'a we xk'ulax uwach ri tz'ib'anem. Man k'o ta tojb'alil we xatoj chi ojer ri k'aslemalil.
- Taq Tojb'alil rech Ukumaxik: Man k'o ta k'o ub'i' ri tojb'alil rech ujech'ik ri pwaq, xa' k'a ri' k'o pa ri APR.
- Taq Tojb'alil we xanimaj ri Q'ij rech Tojb'alil: We xanimaj ri q'ij rech tojb'alil, k'o k'ak' tojb'alil puwi ri pwaq xuquje' ri IVA. Man xq'alajrisaj ta ri juch'in rech ri tojb'alil ri'.
- Man K'o ta Jachoj re Pwaq: Ri k'aslemalil ri' man k'o ta ujachoj re pwaq.
Ub'anob'alil ri K'aslemalil xuquje' Ri U-App
Ub'anob'alil ri K'aslemalil
Ri Solventa kusamaj xaq pa kematz'ib'il. K'o u-app pa telefón (Android), xuquje' k'o uweb'sity (solventa.com.gt). Man k'o ta u-oficina pa Iximulew. Rech utzukuxik ri k'aslemalil, ajawaxik k'o ri DPI (uwachil ri winaqilal rech Iximulew), jun tojomab'äl rech ri ja ri man k'ayew ta uka'yib'al, xuquje' jun número rech telefón. Ri moloj kusamaj ruk' Veriff rech uq'alajrisaxik uwach ri winaq ruk' kematz'ib', xuquje' kutz'apij uwach ri b'anob'alil pa jule' segundos. Rech urilik we k'o uchuq'ab' ri winaq chi utojik ri k'aslemalil, kutzijoj taq kematz'ib' rech Solventa ruk' taq juk'an tzijol (número rech telefón, email, tzijol pa kematz'ib') ruk' SEON. Ri uk'aslemalil ri winaq, ri uchuq'ab' ri pwaq ri kuk'ul, xuquje' taq juk'an b'anob'alil rech ri moloj, are ri kakoj rech uk'amik jun q'atb'al tzij. We xk'ulax uwach ri tz'ib'anem, ri pwaq kakoj chi aninaq pa u-cuenta rech pwaq ri ajk'ay. Man kutzujuj ta pwaq pa telefón (mobile money) xuquje' pa q'aq'.
U-App rech Solventa xuquje' Ub'anob'alil ri Ajk'ay
Ri u-app rech Solventa k'o pa Google Play Store cho ri taq telefón Android. Man k'o ta jun app rech iOS (man q'alajrisam ta). Ri app ri' k'o 5,000+ kachajij ri winaq, xuquje' k'o ub'i' pa español. Ri u-valoración rech ri app are 4.2 ch'umil, xa' k'a k'o 200+ tzijol. Ri winaq kakinimaj ri aninaqil, xa' k'a jule' kakib'ij chi ri APR nim uq'ij. Ri uweb'sity rech Solventa k'o k'i winaqilal ri kakikoj pa Iximulew. Ri Solventa k'o pa ronojel Iximulew xa' k'a pa kematz'ib'. Man k'o ta taq u-oficina pa taq tinamit. Ri ajk'ayib' are k'i winaq ri kechajij ri app, ri k'o pa 5,000+, are k'i alaj taq winaqilal pa Iximulew, xa' k'a k'i pa taq tinamit.
Utuqu'm ri Taqo'n xuquje' Ri Uk'exawach pa ri K'ayib'al
Utuqu'm ri Taqo'n xuquje' Ri Tz'ib'anem
Ri Solventa man xq'alajrisaj ta we k'o ujolomaj ri tz'ib'anem rech jun moloj ri man pwaqib'äl ta, ri ajawaxik rech ri Superintendencia de Bancos de Guatemala. Ri moloj kusamaj ruk' taq juch'in rech ri taqo'n rech Iximulew, kech ukojik ri Decreto 67-2001 xuquje' 58-2005 (rech KYC/AML) ruk' taq kematz'ib' rech uq'alajrisaxik uwach ri winaq. Man k'o ta xq'alajrisax ta jun b'anob'alil rech q'atb'al tzij ri xk'ul ri Solventa (man q'alajrisam ta). Ri moloj kutzujuj q'alajrisanem puwi ri APR xuquje' ri k'i pwaq ri kajawaxik chi utojik pa ri b'anob'alil rech k'aslemalil. Ri tzijol rech ri winaq kachajij ruk' jun b'anob'alil ri k'o uchuq'ab' (GDPR-style), xuquje' k'o jun juch'in rech uq'axik ri tzijol.
Utuqu'm ri Ajk'ay xuquje' Ri Uk'exawach pa ri K'ayib'al
Ri Solventa jun k'ak' moloj pa ri k'ayib'al rech taq k'aslemalil pa kematz'ib', xa' k'a man k'o ta nim alaj uwach ruk' ri nimataq pwaqib'äl. Ri nim alaj uwach ri Solventa are ri aninaqil rech uk'amik jun q'atb'al tzij (xa' k'a juch'in 10 minutos), ri man k'ayew ta uchapik b'anob'alil rech ri winaq ri man k'o ta k'i utaq tzijol rech pwaq, xuquje' ri man k'o ta ujachoj re pwaq. Ri winaq kakib'ij chi ri moloj kusamaj chi aninaq, chi man k'ayew ta ukojik, xuquje' chi q'alaj ri tojb'alil. Xa' k'a jule' kakib'ij chi ri APR nim uq'ij, xuquje' ri man q'alaj ta ub'anob'alil ri tojb'alil we xanimaj ri q'ij. Jule' kakib'ij chi ri app kutz'apij uwach jule' mul. Ri taq tojb'alil rech ri winaq ri xanimaj ri q'ij man q'alaj ta. Ri uk'amoj ri ajk'ay pa ri moloj are pa chat pa app xuquje' pa email, xuquje' kakitz'ib'aj k'a pa 24 horas (man q'alajrisam ta).
Uch'a'oj Solventa ruk' Taq Juk'an Moloj
Pa Iximulew, ri Solventa kutz'apij uwach ri Banrural, ri Vana, xuquje' ri Quick Loans. Ri Banrural kutzujuj taq k'aslemalil ri k'o chi ujuch'in, xuquje' k'o k'i taq u-oficina. Ri Vana jun moloj q'aq'alil pwaq ri kutzujuj taq k'aslemalil ri k'o pa ri winaq. Ri Quick Loans kutzujuj taq k'aslemalil ri nim alaj uq'ij, k'a GTQ 10,000.
Taq Pixab' cho ri Ajk'ay Rech Ri Pwaq
Taq Pixab' Re Chojmilal
We kachomaj chi utzukuxik jun k'aslemalil ruk' Solventa Guatemala, nim alaj uq'ij we kano'jij ri taq pixab' re':
- Kano'jij ri Uchuq'ab' Tojomab'äl chi Jujun Juna' (APR): Nim alaj uq'ij we q'alaj karil ri APR xuquje' ri k'i pwaq ri kajawaxik chi utojik. Ri' kutzujuj tzijol puwi ri k'i tojb'alil rech ri k'aslemalil.
- Kano'jij we k'o uchuq'ab' chi atojik: Chatoj utz ri k'aslemalil pa ri q'ij ri jachom kan. We man k'o ta uchuq'ab' chi atojik, man chatoj ta jun k'aslemalil.
- Chak'ex taq juk'an moloj: Chawila' taq juk'an moloj ri kutzujuj taq k'aslemalil. Chab'ana' jun ch'a'oj xuquje' chawila' we k'o jun ri kutzujuj utz tojb'alil.
- Chakojo' ri k'aslemalil rech k'ax: Chaq'axaj ri k'aslemalil rech taq k'ax chi k'o uwach, man rech ta taq loq'ob'al ri man ajawaxik ta. Ri k'aslemalil kkunik kutzujuj jun k'ax we man xakoj ta chi utz.
- Chab'ana' tojb'alil pa ri q'ij: We kanojij chi atojik pa ri q'ij, kkunik kanimaj ri uk'aslemalil ri winaqilal, ri' kutzujuj jun utz k'aslemalil cho ri winaq.
- Chawila' ri b'anob'alil pa kematz'ib': Ri Solventa xaq pa kematz'ib' kusamaj, nim alaj uq'ij we chachajij awib' xuquje' man chajach ta awe tzijol ri man ajawaxik ta.
- Chaq'alajrisaj ri ujuch'in ri moloj: Ri ujuch'in ri Solventa S.A. man xq'alajrisaj ta, nim alaj uq'ij we chawila' we k'o ronojel ujuch'in.
Ri Solventa Guatemala kutzujuj jun nim alaj b'anob'alil cho ri winaqilal rech Iximulew ri kutzukuj k'aslemalil chi aninaq xuquje' chi man k'ayew ta. Xa' k'a nim alaj uq'ij we kano'jij ronojel ri juch'in xuquje' we chawila' we k'o uchuq'ab' chi atojik ri k'aslemalil chi ronojel. We k'o k'ak' tzijol ri man q'alajrisam ta, choq'alajrisaj ruk' ri Solventa chi uwach.
