Ri k'aslemal re puwaqil pa Iximulew k'o jun k'ak'a' q'ij k'uri'. Ri molojb'al Vana, jun ajch'i'y re nim ri etamanik re tijob'al puwaq, xpe pa 2018 rech kejach ch'o'jil puwaq pa kematz'ib' chike ri e aj Iximulew. Are wa' keq'alajisaj jun k'ak'a' b'e rech k'o puwaq chike ri man k'o ta ki-atinem pa banko rech man e k'ax ta chi kech. Wa' jun nim etamanik rech k'o puwaq chike ri winaq rech kekowinik ketijo' pa kijotayil pa kijunab'.
Q'amb'al Re Ri Molojb'al Vana Pa Iximulew
Ri Vana are jun molojb'al re k'ak'a' taq jastaq re puwaqil ri xuk'am b'e pa 2018, ri k'o ri rajchoch pa Nimatinamit Iximulew. Rech saqil ri kib'anikil, ri Vana k'o keb' k'aslemal ri kechakun ruk': ri Vana Tech, Sociedad Anónima, ri k'o ri ub'i' rech chakunem, xuquje' ri Vana Holding Capital, S.A., ri k'o ri ub'i' pa Google Play. Vana saqil k'o kirejistroxik chila' pa K'amal B'e Re Tojb'al Puwaq (SAR) xuquje' pa ri Molojb'al Re K'aslemal Puwaq Man Saq Ta (URMOPRELAFT) rech man k'o ta saqil puwaq ri k'o pa molojb'al. Wa' k'o saqil ri kib'anikil pa uwi' ri q'atb'al tzij re Iximulew.
Ri Vana are jun molojb'al ri k'o kipuwaqil ri e ajk'ayib' pa kixojb'al, man are ta jun molojb'al ri kejach puwaqil pa ri etamanik. Ri kib'anikil are rech kejach ch'o'jil puwaq pa ch'utin k'aslem, pa kematz'ib'il. Kejach ch'o'jil puwaq chike ri e aj Iximulew ri man k'o ta kiq'ab' pa banko, xuquje' chike ri ch'utin taq ajk'ayib' ri man k'o ta kiq'ab' pa ri ch'utin k'aslem. Ri Vana kechakun ruk' k'ak'a' taq b'anikil re tzijob'al xuquje' ewul etamanik (machine learning) rech keta'maj saqil we ri winaq keq'atoj ri kipuwaq.
Pa uwi' ri e ajk'amal b'e, ri Vana k'o q'axal taq winaq ri kechakun ruk' jun nim etamanik. Chike ri' are ri Luis Marinelli, ri CFO, ri k'o uq'ij ri uxlab'al pa uwi' ri etamanik re AI rech k'o puwaq chike winaq. Xuquje' ri Sergio M., ri VP re Tojb'al, ri k'o uq'ij pa uwi' ri etamanik re k'ak'a' taq puwaqil pa Iximulew.
Jastaq Re Ch'o'jil Puwaq Xuquje' Ri Kitojb'al
Ri Vana kejach ch'o'jil puwaq ri man k'o ta k'ax chike ri winaq, ri man k'o ta jun jastaq ri kojom pa uwi' ri ch'o'jil. Are wa' k'o ch'utin puwaqil ch'o'jil rech ch'utin k'aslem. Ri puwaq ri kojachik are k'o pa Q250 chi kajib' chik pa uwi' Q3,000. Wa' are kojachik pa k'ak'a' taq b'anikil, man are ta nim puwaq.
Ri q'aq' re ch'o'jil (interest rates) are jun jastaq ri kejalwachik pa ri jun ch'o'jil. Ri k'ak'a' puwaqil ri kojachik are k'o pa 85% chi jun junab' chi kajib' chik pa uwi' 375% chi jun junab'. Jun etal: we laj Q1,000 lak'am pa 120 q'ij, ri tojb'al are 60% pa uwi' ri puwaq, wa' kutz'aqat Q1,600 ri katoj. Wa' k'o jun APR (Nim Ri Q'aq' Re Ch'o'jil Pa Jun Junab') re 185%.
Ri k'aslemal re ri ch'o'jil are kejalwachik pa jun ch'o'jil. Kejach ch'o'jil pa 90 chi kajib' chik pa uwi' 120 q'ij, kowinik nimarik pa uwi' 12 ik' we k'o saqil ri ub'anikil. K'o jun ch'utin puwaqil ri kowinik kak'am pa 15 chi kajib' chik pa uwi' 61 q'ij.
Pa uwi' ri tob'al (fees), ri Vana kecha' jun tob'al re chakunem (origination/service fee) ri kowinik pa uwi' 60% re ri puwaq ri lak'am pa 120 q'ij. K'o xuquje' tob'al re b'anikil (administrative charges) rech etamanik, rech saqil ri awub'i', xuquje' tob'al rech kojachik ri puwaq. Wa' kowinik kak'am pa uwi' Q2,106 xuquje' IVA pa uwi' ri nim taq ch'o'jil. We man katoj ta pa uq'ijil, k'o jun tob'al re k'ax (late-payment penalty) ri katoj. Ri nim uq'ij are man saqil ta k'o pa uwi' ri wuj. Nim ri etamanik ri' we katoj nab'e re ri uq'ijil, man k'o ta jun tob'al pa uwi' ri'.
B'anikil Re K'utunem Xuquje' Ri Ch'ich' Re Q'ab'
Ri b'anikil re k'utunem rech kak'am ch'o'jil puwaq ruk' Vana are saqil xuquje' pa kematz'ib'. Man k'o ta jun rajchoch Vana ri k'o winaq chila', xa pa kematz'ib' ri b'anikil. Kowinik kak'utun pa uwi' ri ch'ich' re q'ab' (mobile app), ri k'o pa Android xuquje' iOS, xuquje' pa uwi' ri kematz'ib' (web portal) rech app.vana.gt.
Rech kak'am ch'o'jil, rajawaxik saqil ri awub'i' (KYC - Know Your Customer) ruk' ri Guatemalteco DPI (wuj re saqil ub'i'). Rajawaxik kakoj saqil awub'i'il, tzijob'al re SMS xuquje' re taq tzijob'al pa ch'ich' re q'ab', xuquje' saqil awub'i' re banko ri k'o. Ri tzijob'al ri' are xoch'ob'om (encrypted) rech man k'o ta jun winaq ri kowinik karil. Are wa' k'o saqil ri awub'i' ri kojom pa ch'ich' re q'ab'.
Ri Vana kechakun ruk' k'ak'a' taq ewul etamanik (machine-learning models) rech keta'maj saqil ri etamanik re puwaqil. Ri kematz'ib' keta'maj ri etamanik re ri ch'ich' re q'ab' ri kojom, ri ub'anikil ri winaq, xuquje' ri tojb'al puwaq ri xub'an nab'e ruk' Vana. Wa' kutz'ib'aj jun saqil b'anikil re ch'o'jil puwaq ri kowinik kejachik pa jun jab'al, ri k'o saqil ri uq'ijil xuquje' ri q'aq' re ch'o'jil.
Ri puwaq ri kojachik are pa banko ri k'o awub'i' chila'. Kowinik kakoj jun wuj re tojb'al pa ch'ich' re q'ab' we katoj puwaq pa banko xuquje' pa k'ayib'al ri k'o kiq'ab' ruk' Vana.
Ri ch'ich' re q'ab' re Vana pa Android k'o pa uwi' 1 milyon winaq ri xkik'am b'i ri' xuquje' k'o jun 4.7 q'ijil pa uwi' 5 pa 40.8 mil tzijob'al. Ri b'anikil re ri ch'ich' re q'ab' are rech kowinik kak'utun pa jun jab'al, k'o jun etamanik re ch'o'jil puwaq, xuquje' kowinik kakoj wuj re tojb'al. Ri winaq kech'aw pa uwi' ri nim ri ub'anikil xuquje' ri q'axan re ri ch'ich' re q'ab'.
Ch'ab'al Re Ri E Ajk'ayib' Xuquje' Ri Uq'ijil Ri Molojb'al
Ri Vana are jun chike ri oxib' nim taq ajjach ch'o'jil puwaq pa kematz'ib' pa Iximulew. K'o uq'ij ri' pa uwi' ri b'anikil re ajach'o'j pa kematz'ib', are k'o pa ukab' q'ijil pa uwi' ri e k'ak'a' molojb'al re puwaq. Kech'ojin ruk' molojb'al Crediflow, Kueski Pay, xuquje' ri ch'utin taq ajjach puwaq pa Iximulew.
Ri winaq kech'aw pa uwi' ri nim ri ub'anikil xuquje' ri kowinem re Vana pa Google Play, ri k'o jun 4.7 q'ijil pa uwi' 5 pa uwi' 40.8 mil ch'ab'al. Nim ri kito'ik ri kejach ch'o'jil puwaq pa jun jab'al xuquje' ri q'axan re ri ch'ich' re q'ab'. Jun chike ri nim taq ub'anikil re Vana are ri nim ri etamanik re tzijob'al (ML) rech nimarik ri uq'ijil ri puwaq, ri q'axan b'anikil re ch'ich' re q'ab', xuquje' k'o ch'o'jil puwaq pa ronojel Iximulew.
Man ronojel ta junam ub'anikil. K'o jun ch'utin k'ax pa uwi' ri kojachik ri puwaq, k'o jun ch'utin nimarik pa uwi' ri kojachik puwaq pa banko. Ri to'ik chike ri ajk'ayib' are k'o pa ch'ich' re q'ab' xuquje' pa email, pa uq'ijil re wok q'ij chi kajib' chik pa uwi' wajxaq q'ij. Nim ri kito'ik ri ajk'amal b'e ri kechakun pa uwi' ri Vana pa social media.
Ri Vana k'o saqil ri kib'anikil pa uwi' ri q'atb'al tzij. K'o saqil ri kirejistroxik ruk' SAR xuquje' URMOPRELAFT. K'o saqil ri tzijob'al re ri winaq, ri man kejach ta chike jujun chik winaq we man k'o ta saqil ri ub'anikil. Ri Vana kech'aw pa uwi' ri are jun molojb'al re nim ri etamanik, man are ta jun banko.
E Ajk'am B'e Chike Ri Kek'am Ch'o'jil Puwaq Ruk' Vana
Rech k'o saqil ri awub'anikil pa uwi' ri ch'o'jil puwaq ruk' Vana, nim ri etamanik ri' we katane' pa uwi' wa' taq tzijob'al:
Saqil Eta'manik Re Ri Tob'al: Man xax ta katz'ib'aj ri wuj we man k'o ta saqil ri eta'manik re ri q'aq' re ch'o'jil, ri tob'al, xuquje' ri uq'ijil ri ch'o'jil. Ri Vana kejach ri' saqil, nim ri etamanik ri' we karil saqil ri' we man k'o ta k'ax chawe. K'o ri APR ri kowinik nimarik pa uwi' 300%, nim ri etamanik ri' we katane' pa uwi' ri tojb'al ri'.
Rik'axil Ri Tojb'al Pa Uq'ijil: Nim ri etamanik ri' we k'o saqil ri etamanik re ri puwaq ri katoj. Ri Vana kejach jun tob'al we man katoj ta pa uq'ijil. K'o saqil ri tojb'al pa uq'ijil rech man k'o ta k'ax chawe.
Kojom Ri Ch'ich' Re Q'ab': Ri Vana are jun molojb'al ri kechakun xax pa kematz'ib'. Nim ri etamanik ri' we k'o saqil ri etamanik re ri kojom re ri ch'ich' re q'ab'. K'o jun ch'utin k'ax pa uwi' ri kojachik puwaq, nim ri etamanik ri' we k'o saqil ri etamanik re ri tojb'al.
Ruk'am B'e Ri Puwaq: Ri ch'o'jil puwaq are jun nim to'ik, are k'o k'ax ri'. Kojom ri puwaq pa uwi' ri atz'aqat, man pa uwi' ta ri man atz'aqat ta. Nim ri etamanik ri' we k'o saqil ri etamanik re ri puwaq ri kak'am.
Tzijob'al Chike Ri Molojb'al: We k'o k'ax chawe, nim ri etamanik ri' we katoj tzijob'al chike ri molojb'al pa uq'ijil. Ri Vana k'o kito'ik chike ri ajk'ayib' pa ch'ich' re q'ab' xuquje' pa email. K'o saqil ri etamanik ri' we k'o k'ax chawe.
Ri Vana kejach jun k'ak'a' b'e re ch'o'jil puwaq pa Iximulew, ri kejach puwaq chike ri winaq ri man k'o ta kiq'ab' pa banko. K'o nim ri etamanik ri' we katane' pa uwi' ri tob'al, ri q'aq' re ch'o'jil, xuquje' ri ub'anikil ri molojb'al rech man k'o ta k'ax chawe. K'o saqil ri tojb'al puwaq pa uwi' ri atz'aqat.
