CBAO

CBAO Burkina Faso: Banka wẽngã ninsãandã, yãk-biisã ne rũndã zĩigã

Burkina Faso, dãmbã yiisgã zĩiga pʋdã, banka wẽnsã ninsãandã n yiisgã wẽngã. CBAO Burkina Faso yaa banka kãnga, ninsãandã n yiisgã ne tõogã wẽngã. Yaa Attijariwafa Bank, Maroc banka wẽngã zĩiga pʋdã. CBAO Burkina Faso ninsãandã n yiisgã Ouagadougou wẽngã pʋdã sor 2011, n sõngdã pʋdã kãnga, zĩiga ninsãandã yẽngã (SMB), ne kompañi wẽnsã ne banka ninsãandã fãa.

Kompañi Welsgã ne Zĩigã Ninsãandã Burkina Faso

CBAO Burkina Faso yaa CBAO Groupe Attijariwafa Bank zĩiga pʋdã, ninsãandã n yiisgã Burkina Faso tẽngã. Attijariwafa Bank yaa Maroc banka wẽngã ninsãandã. Sor 2011, banka kãnga ninsãandã n yiisgã Ouagadougou, n pidsgã banka ninsãandã fãa: pʋdã kãnga, zĩiga ninsãandã yẽngã, ne kompañi wẽnsã. A sõngda ne Attijariwafa Bank pãngã ne telefon-wãndã ninsãandã, n beedgã banka wẽnsã pʋdã Burkina Faso tẽngã.

• Zĩiga-paalgã: CBAO Groupe Attijariwafa Bank Burkina Faso yaa zĩiga-paalgã ninsãandã n yiisgã Burkina Faso, n beedgã BCEAO zĩiga-paalgã.
• Yiisgã sor: Yaa sor 2011 n yiisgã Ouagadougou. A yaa Attijariwafa Bank (Maroc) zĩiga pʋdã.
• Ninsãandã yiisgã: A sõngda pʋdã kãnga (koom-zĩisã, kartã, yãk-biis pʋdã kãnga), zĩiga ninsãandã yẽngã (Offre TPE), ne kompañi wẽnsã (yãk-biis kompañi).

Yãk-biisã ne Sõngã ninsãandã ninsãandã n yiisgã ne CBAO

CBAO Burkina Faso sõngdame ne yãk-biisã yĩnga rũndã yẽngã fãa. Banka kãnga pidsgã yãk-biisã yĩnga pʋdã kãnga, zĩiga ninsãandã yẽngã, ne kompañi wẽnsã.

Yãk-biisã Zĩigã

• Yãk-biis pʋdã kãnga: Yaa yãk-biis ninsãandã n yiisgã pʋdã kãnga yĩnga, n sõngdã ne bũmbã ninsãandã yiisgã ne kiisã ninsãandã.
• Yãk-biis zĩiga ninsãandã yẽngã (SMB/TPE): Yaa yãk-biis ninsãandã n yiisgã zĩiga ninsãandã yẽngã yĩnga. A yaa Offre TPE package pʋdã.
• Yãk-biis zĩiga (Mortgage Loans): Yaa yãk-biis ninsãandã n yiisgã zĩiga ninsãandã. A yaa kẽet-biisã ne zĩiga ninsãandã kompañi wẽnsã.
• Yãk-biis kompañi: Yaa yãk-biis ninsãandã n yiisgã kompañi wẽnsã yĩnga. A yaa yãk-biis sõngã ne baasgã.

Kiis-biisã, Wels-biisã, ne Zĩigã Ninsãandã

Kiis-biisã ne wels-biisã ninsãandã n yiisgã ne CBAO yẽngã yiisgã zĩiga pʋdã rũndã. Yaa yãk-biigã, rũndã zĩigã, ne yẽn-biigã yiisgã zĩiga pʋdã.

• Kiis-biisã: A yiisgã sor ~10% n yiisgã 18% pʋdã yiisgã zĩiga pʋdã. A yiisgã zĩiga pʋdã kiisã yiisgã.
• Wels-biisã (Fees):
  • Yiisgã wels-biiga: 1% n yiisgã 3% yãk-biigã pãngã.
  • Baasgã baasgã wels-biiga: 1% n yiisgã 2% kiisã pʋdã.
  • Yẽn-biigã zĩiga wels-biiga: A yaa notaire wels-biisã.
• Yẽn-biisã (Collateral):
  • Yãk-biis pʋdã kãnga: Kiisã ninsãandã yiisgã, walla yẽn-biiga.
  • Yãk-biis zĩiga: Zĩiga yẽn-biiga.
  • Yãk-biis zĩiga ninsãandã yẽngã/Kompañi: Kompañi yẽn-biiga, bũmbã ninsãandã yiisgã.

Yiisgã Zĩiga, Telefon-wãndã Ninsãandã, ne Zĩiga-paalgã

Yiisgã zĩiga ninsãandã n yiisgã ne CBAO yaa tẽngã zĩiga ne telefon-wãndã ninsãandã. Zĩiga-paalgã gũn-paalgã banka kãnga ninsãandã fãa.

Yãk-biigã yiisgã zĩiga ne Rũndã Zĩigã

CBAO sõngdame ne telefon-wãndã ninsãandã ne tẽngã zĩiga yãk-biisã yiisgã yĩnga.

• Yiisgã zĩiga: Telefon-wãndã ninsãandã (CBAO Mobile Burkina), website, walla tẽngã zĩiga.
• KYC & Onboarding: ID proof, utility bill, proof of income. A yiisgã telefon-wãndã ninsãandã ne tẽngã zĩiga.
• Yãk-biigã gũn-paalgã: A yaa SCRA bureau data, koom-zĩigã ninsãandã, ne yẽn-biigã pãngã gũn-paalgã.
• Kãabã yiisgã: Banka transfer, Mobile Money (Wave, Orange Money), walla cash tẽngã zĩiga.

Telefon-wãndã Ninsãandã ne Rũndã Zĩigã

CBAO Mobile Burkina yaa telefon-wãndã ninsãandã n yiisgã ne CBAO, n sõngdã rũndã fãa. A yiisgã iOS ne Android platformã pʋdã.

• Yiisgã zĩiga: iOS (iOS 12.0+) ne Android (1 K+ installs). Ratings: ~4.0/5.
• Ninsãandã: Koom-zĩigã gũn-paalgã, koom-zĩigã ninsãandã, RIB sharing, yãk-biigã simulation yiisgã.

Zĩiga-paalgã ne Gũn-paalgã

CBAO Burkina Faso yaa BCEAO (Central Bank of West African States) zĩiga-paalgã pʋdã, n beedgã Autorité de Contrôle Prudentiel (ACP-BF).

• Zĩiga-paalgã: Licensed by BCEAO ne supervised by ACP-BF.
• Gũn-paalgã: A yiisgã UEMOA banking regulations, AML/CFT directives, ne consumer-credit laws.
• Rũndã sõngã: Transparent fee disclosures, right of withdrawal, ne ombudsman channel.

Rũndã Yẽn-biiyã Pãngã, Kẽet-biisã, ne Wels-pãndsã

CBAO Burkina Faso ninsãandã n yiisgã dãmbã yiisgã zĩiga pʋdã, n beedgã kẽet-biisã ne rũndã yẽn-biiyã pãngã.

Rũndã Yẽn-biiyã Pãngã ne Dãmbã Zĩigã

Rũndã yẽn-biiyã pãngã ninsãandã n yiisgã ne CBAO yaa telefon-wãndã ninsãandã ne tẽngã zĩiga.

• Positive: Telefon-wãndã ninsãandã yaa wẽnga, koom-zĩigã ninsãandã yaa waoogã, ne TPE sõngã.
• Negative: Telefon-wãndã ninsãandã yaa baasgã zĩiga, tẽngã zĩiga queues, ne paperwork delays.
• Dãmbã Zĩigã: CBAO group holds 14.1% loan market share in Senegal; Burkina share estimated ~3-4% of formal banking credit market.

Kẽet-biisã ne CBAO Sõngã

Burkina Faso pʋdã, banka wẽnsã ninsãandã n yiisgã ne CBAO yaa ECOBANK Burkina, Coris Bank, NSIA Bank, ne UBA Burkina. CBAO sõngdame ne Maroc pãngã, mobile-money tie-ups, ne Offre TPE agility.

• Kẽet-biisã: ECOBANK Burkina, Coris Bank, NSIA Bank, UBA Burkina.
• CBAO sõngã: Moroccan backing, mobile-money tie-ups, Offre TPE agility.

Wels-pãndsã Yĩnga Rũndã Yiisgã

A yaa wẽnga rũndã yiisgã n gũn-gũn yãk-biigã kiis-biisã, wels-biisã, ne zĩigã ninsãandã baasgã yĩnga CBAO.

• Gũn-gũn Welsgã: Yãk-biigã kiis-biisã ne wels-biisã. A yaa wẽnga n yiisgã wels-biisã fãa tẽngã zĩiga walla telefon-wãndã ninsãandã pʋdã.
• Wõdgã Dokumentã: Gũn-gũn baasgã dokumentã fãa ninsãandã n yiisgã (ID, proof of income, utility bill).
• Telefon-wãndã Ninsãandã: Yiisgã CBAO Mobile Burkina ninsãandã n gũn-gũn koom-zĩigã ne yãk-biisã.
• Koom-zĩiga: Zĩigã wels-pãndsã tẽngã zĩiga walla telefon-wãndã ninsãandã pʋdã, n gũn-gũn welsgã ninsãandã fãa yaa wẽnga.

CBAO Burkina Faso yaa banka wẽnga ninsãandã n yiisgã Burkina Faso, n sõngdã rũndã fãa ne yãk-biisã ne ninsãandã yiisgã. A yaa wẽnga n gũn-gũn welsgã ninsãandã fãa n yiisgã ne yãk-biigã baasgã yĩnga.