🇷🇼Kivu Super App
Murakoze bakuru bacu ku musingi mwubatse,
natwe twubake ejo heza.
User
Bank Finance
Bank of Kigali (BK)
Equipment Loan • 14% p.a.
Subject to credit approval. Terms and conditions apply.
Powered by Kivu Pay.
Kivu Events
🎯 Intego y'Uyu Mushinga
Turashakisha abantu bafite ishyaka ryo gukora (Event Managers) bazavugana n'ahantu hatandukanye mu Rwanda nka za resitora na cafe kugira ngo bateganye umwanya w'imikino yo ku meza (board games). Aba bakozi bazajya bashyira ibyo birori ku ikarita yacu banashyireho amakuru yose.
Urugero: "Umukino wa Igisoro uyu munsi muri Zaria Court saa 18:00, ikiguzi ni 1000 RWF".
Kivu Super App izagurira uwo muntu imikino, we agategura byose akayobora ibirori.
🚀 Uko Dukora (Business Model & Scaling)
Mu ntangiriro mu Rwanda, tuzajya dukata komisiyo ya 10% gusa mu gihe tugikura, kugira ngo tugaruze amafaranga twashoye tugura imikino (board games). Resitora zo zibona abakiriya ku buntu.
Muri 2027, nitwagukira mu bindi bihugu bitwegereye (Kenya, Uganda, Tanzania, Burundi, DRC, n'ahandi), gukoresha imikino yacu mu Rwanda bizahita biba UBUNTU 100%.
Mu bindi bihugu ho tuzajya dukata komisiyo ya 10-20% ku mikino, ibirori, serivisi ndetse no kwishyura abakozi (programmers). Impamvu ni uko tuzaba tubagurisha uburyo bunoze kandi bwuzuye bw'ubucuruzi n'imyidagaduro, kuko muri Afurika y'Iburasirazuba akenshi haba harambirana (boring). Iyi gahunda izatuma abantu bahura bagakina imikino itandukanye cyangwa bagasabana.
Icyakora, komisiyo izajya icwa gusa kuri serivisi twihariye (monopoly) nko gukoresha imikino yacu. Niba abantu biyandikishirije ibirori byabo bwite n'imyidagaduro ku ikarita yacu badakoresheje imikino yacu, tuzabaha serivisi nziza kurusha izindi kandi ku BUNTU 100%. Ntitwakwishyuza iyi serivisi kuko byaha icyuho abashobora guhangana natwe (competitors).
U Rwanda nirwo ruzaba icyicaro gikuru cya seriveri (servers) zacu ndetse n'abakozi bose (managers). Aba bakozi bagomba kuzaba bazi indimi zose zikoreshwa muri Afurika.
Resitora zikenera abakiriya bagura ibiryo. Muri Kivu App, umukiriya ashobora kugura itike igizwe na "Kwinjira + Burger + Kawa" ku giciro kigabanyijweho 5%.
Amakompanyi n'amabanki bihora bishaka uko byahuza abakozi. HR azajya akanda buto imwe ati: "Ntegurira Igisoro y'abantu 20 mu biro cyangwa muri resitora". Iki ni ikiraka kinini gitanga amafaranga menshi icyarimwe.
Umuntu arashaka gukina ariko nta nshuti afite? Arakanda gusa buto "Ndashaka gukina". Iyo abantu 4 bari hafi aho babonetse, porogaramu iboherereza ubutumwa iti: "Ameza yateguwe muri cafe runaka, mwemeze mwigire gukina!".
Resitora ziba zambaye ubusa mu masaha amwe n'amwe. Porogaramu izajya iha abategura imikino kugabanyirizwa ibiciro byo gufata ameza muri ayo masaha.
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Kivu Imari
🎯 Intego y'Uyu Mushinga (Kuki ari ingenzi kuri wowe?)
Kivu Imari yubakiwe gufasha umukiriya kubona inyungu nyazo, kuzigama amafaranga n’umwanya. Turi kubaka urubuga rwa mbere rw'imari muri Afurika y'Iburasirazuba rumeze nka banki.ru cyangwa myfin.by. Hano uzajya ugereranya ibiciro n'inyungu by’amabanki yose mu Rwanda ahantu hamwe: inyungu z’inguzanyo z’inzu (mortgage), inguzanyo zisanzwe, ibiciro byo kuvunja amadevize, n’ubwishingizi. Hitamo ibyiza bikunogeye maze ukande buto imwe gusa. Imibare yose ni iy’ukuri kandi igaragara neza ako kanya, bityo uhitemo banki iguha inyungu nyinshi utiriwe usiragira mu mashami y'amabanki.
Kohereza no Kwakira Amafaranga
Twahaye amabanki akomeye urubuga rwo gushyiraho uburyo bwabo bwo kohereza amafaranga hagati y’ibihugu n’abaturage (International Transfers) muri Kivu App. Ibi bituma buri mukiriya ashobora kohereza amafaranga mu bindi bihugu cyangwa akayakira mu buryo bworoshye cyane kandi bwihuse akoresheje imiyoboro y'amabanki yizewe.
Kivu Super App ntiyishyuza komisiyo (0% Fee) kuri iyi serivisi kugira ngo abakiriya boherereze imiryango yabo amafaranga nta gukatwa.
📊 Aho Dukura Inyungu (Business Model)
U Rwanda ni rwo shingiro n'icyicaro gikuru (Capital Hub) cya Kivu Super App. Hano mu gihugu, tuzaha amabanki abakiriya (leads) ku buntu, tunafashe abantu kuvunjanya no kugurizanya (P2P Escrow) nta komisiyo (0% fee). Intego ni uguteza imbere ikoranabuhanga mu by'imari mu gihugu no gufasha amabanki n'abaturage bacu gukura nta nkomyi.
Muri 2027, nitugera mu bindi bihugu bya Afurika, tuzatangira kwishyuza amabanki yo muri ibyo bihugu komisiyo (CPA / Lead Generation) kuri buri nguzanyo yemejwe binyuze kuri Kivu. Ibi bizatuma Kivu yinjiza amafaranga aturutse hanze y’u Rwanda, mu gihe imbere mu gihugu serivisi zikomeza kuba ubuntu.
Binyuze kuri Kivu App, abaturage bo mu bindi bihugu bazajya bagereranya inyungu z'inguzanyo (loans/mortgages) bashake ahari ibiciro bito. Ibi bizateza ihiganwa ryiza (healthy competition), bitume amabanki agabanya inyungu kugira ngo yigarurire isoko ry'akarere. Muri ubu buryo, ubukungu bw'ibihugu bizaturanye buzunga ubumwe binyuze kuri Kivu, u Rwanda rukomeze kuba icyicaro gikuru gihuza iyi mikoranire muri Afurika.