Kukho ingcamango enamandla malunga nokubuyela umva kwelizwekazi laseAfrika. Ewe, kukho ngokwenene inani elikhulu leengxaki apho. Nangona kunjalo, i-IT e-Afrika iyaphuhla, kwaye ngokukhawuleza okukhulu. Ngokwenkampani eyi-capital capital i-Partech Africa, i-2018 yokuqala evela kumazwe ali-146 inyuse i-US$19 yeebhiliyoni ngo-1,16. I-Cloud4Y yenza isishwankathelo esifutshane sezona ziqalo zaseAfrika ezinomdla kunye neenkampani eziphumelelayo.
Ezolimo
Agrix Technology
, esekelwe eYaounde (Cameroon), yasekwa ngo-Agasti 2018. Iqonga elinamandla e-AI lijolise ekuncedeni amafama aseAfrika alawule izitshabalalisi zezityalo nezifo kwimithombo yazo. Itekhnoloji inceda ekuchongeni izifo zezityalo kwaye ibonelela ngonyango lweekhemikhali kunye nolwasemzimbeni kunye namanyathelo okuthintela. Nge-Agrix Tech, amafama afikelela kwi-app kwiselula yawo, askene isampulu yesityalo esichaphazelekayo aze afumane izisombululo. Esi sicelo siquka itekhnoloji yokuqonda umbhalo kunye nelizwi kwiilwimi zaseAfrika zalapha, ngoko ke abantu abangafundanga kangako banokuyisebenzisa. Amafama ahlala kwaye asebenza kwiindawo ezikude ngaphandle kwe-intanethi banokusebenzisa i-app kuba i-Agrix Tech AI ayifuni intanethi ukuze isebenze.
AgroCenta
liqonga le-intanethi elenza izinto ezintsha elivela eGhana elivumela amafama asakhulayo kunye nemibutho yamafama kwiindawo ezisemaphandleni amafama ukuba afikelele kwimarike enkulu ye-intanethi. I-AgroCenta yasungulwa ngo-2015 ngabasebenzi ababini bangaphambili be-mobile operator u-Esoko, ababefuna ukwenza lula ukufikelela kwiimarike kunye nokufikelela kwimali. Baye baqonda ukuba ukunqongophala kofikelelo kwimarike elungelelanisiweyo kuthetha ukuba amafama amancinane aye anyanzeleka ukuba athengise imveliso yawo kubarhwebi abaphakathi ngamaxabiso βokuxhaphaza ngokuhlekisayoβ. Ukunqongophala kofikelelo kwezemali kukwathetha ukuba amafama akanakuze akwazi ukusuka kumafama amancinci ukuya kweliphakathi okanye akhule aye kushishino.
Amaqonga e-AgroTrade kunye ne-AgroPay asombulula ezi ngxaki zimbini. I-AgroTrade liqonga lonikezelo lokuphela ukuya ekupheleni elibeka amafama amancinci kwelinye icala kunye nabathengi abakhulu kwelinye ukuze bakwazi ukurhweba ngokuthe ngqo. Oku kuqinisekisa ukuba amafama ahlawulwa amaxabiso afanelekileyo empahla yawo kwaye ikwavumela ukuba bathengise ngobuninzi, kuba abathengi bakholisa ukuba ziinkampani ezinkulu kakhulu, ukusuka kwimizi yotywala ukuya kubavelisi bokutyisa.
I-AgroPay, iqonga lokubandakanywa kwezemali, libonelela nawuphi na umfama osakhasayo othe warhweba kwi-AgroTrade ngengxelo yemali (βyebhankiβ) anokusebenzisa ukufumana imali. Amanye amaziko emali asebenza ngezimali kumafama asakhasayo asebenzise i-AgroPay ukuqonda ngcono ukuba ngawaphi amafama asimahla ukuba afikelele kwityala. Ngexesha elifutshane, ngokutsho kwentloko yenkampani, kwakunokwenzeka ukwandisa ingeniso yamafama kwinethiwekhi malunga ne-25%.
Umfama
sesinye isiqalo saseGhana esibonelela amafama asakhulayo ngokufikelela kwiinkonzo zolwazi, iimveliso kunye nezixhobo zokuphucula imivuzo yabo. Ukuza kuthi ga ngoku, bangaphezu kwama-200 amafama abhalisiweyo. NgoJuni 000, iFarmerline yayingomnye wabaqalayo abathathu ukuphumelela i-King Baudouin Prize for African Development, efumana i-2018 β¬. Inkampani iphinde yakhethwa ukuba ijoyine i-Swiss multi-corporate accelerator i-Kickstart, kwaye yabizwa ngokuba yindawo yesibini yokuqala kwishishini lokutya.
Ukuhlaziya
sisiqalo sezolimo esivela eNigeria esinceda ekonyuseni intengiso yeempahla zezolimo ngokusebenzisa isixokelelwano sobonelelo olulungelelanisiweyo lwemathiriyeli ekrwada efunekayo kumashishini ezolimo elizwe. I-Releaf yakha ukuthembana phakathi kwabachaphazelekayo kushishino lwezolimo ngokuvumela abathengisi ababhalisiweyo ukuba babhide izivumelwano eziqinisekisiweyo nabathengi. Ukuqala kwavela kwimowudi ye-stealth ngo-Agasti ka-2018, ibhengeza ukuba sele iqinisekise ngaphezulu kwamashishini ezolimo angama-600 kwaye iququzelele ngaphezulu kwezivumelwano ze-100. Kungekudala wakhethwa ukuba ajoyine i-Silicon Valley-based accelerator Y Combinator, ekhokelela kwi-120 yeedola kwinkxaso-mali.
Ukutya
WaystoCap
liqonga lokurhweba elivela eCasablanca (eMorocco), elivulwe ngo-2015. Le nkampani yenza ukuba amashishini ase-Afrika athenge kwaye athengise iimveliso-ibavumela ukuba bafumane iimveliso, bazihlole, bafumane imali kunye ne-inshurensi, balawule ukuthunyelwa kwabo kunye nokuqinisekisa ukhuseleko lwentlawulo. Inkampani inebhongo ngokunikezela ngokukhawuleza kwamashishini amancinci ngezixhobo kunye nenkxaso abayidingayo ukurhweba ngaphakathi nangaphandle. Sisiqalo sesibini sase-Afrika ukuba sikhethwe ukujoyina i-Silicon Valley-based accelerator Y Combinator kwaye ifumene i-US $ 120.
Vendo.ma
sesinye isiqalo saseMorocco esivumela abasebenzisi ukuba bakhangele iimveliso kunye neenkonzo kwiivenkile ezidumileyo ze-intanethi kunye nezemveli. Inkampani yadalwa kwi-2012, xa ilizwe laqala ukuthetha nge-e-commerce. Injini yokukhangela ekrelekrele ichonga ngokulula iimfuno zabasebenzisi kwaye ibanike amandla okucokisa ukhangelo lwabo ngokongeza iithegi kukhangelo lwabo, ukuseta elona xabiso liphezulu okanye lincinci, kwaye ufumane iivenkile kwimephu esebenzisanayo. Ngombulelo ekukhuleni kwayo ngokukhawuleza, ukuqaliswa kufumene i-265 yeedola kwinkxaso-mali yembewu.
ZeMali
I-Piggybank/PiggyVest
, ekwabizwa ngokuba yiPiggyVest, yinkonzo yezemali enceda abantu baseNigeria banqande imikhwa yabo yokuchitha imali ngokuphucula inkcubeko yabo yokonga ngokuzenzekela iidiphozithi (imihla ngemihla, ngeveki okanye ngenyanga) ukuze bafezekise injongo ethile yokonga. Inkonzo ikwavumela ukuba uvale imali ngexesha elithile. Ngoncedo lwePiggyVest, abantu bafunda indlela yokuphatha imali ngobulumko kunye nokutyala imali. Ingxaki yokwenene yabaninzi baseAfrika kukuba imali iphelelwa ngokukhawuleza kwaye ingenamkhondo. I-PiggyVest ikunceda ukuba ushiye into ngasemva.
UKuda
(owayekade eyiKudimoney) sisiqalo se-fintech esivela eNigeria esabonakala kwi-2016. Ngokusisiseko, yibhanki yokuthengisa, kodwa isebenza kuphela kwifomathi yedijithali. Phantse njengeBhanki yaseTinkoff yasekhaya kunye nemilinganiselo yayo. Yibhanki yokuqala yedijithali eNigeria enelayisensi eyahlukileyo, eyenza ukuba ihluke kwezinye iziqalo zemali. I-Kuda inikezela nge-akhawunti yenkcitho kunye neyokugcina ngaphandle kweentlawulo zenyanga, i-debit card yamahhala, kunye nezicwangciso zokubonelela ngokulondoloza umthengi kunye neentlawulo ze-P2P. Ukuqaliswa kutsale i-1,6 yezigidi zeedola kutyalo-mali.
Ukutshintshwa kwelanga
sisiqalo se-blockchain esivela eMzantsi Afrika esavela ngo-2015. Wabizwa ngokuba ngumnqobi weBlockchain Challenge ehlelwe yiofisi ye-Smart Dubai, efumana i-US $ 1,6 yezigidi ngenkxaso-mali. Le nkampani ikwacebise ukuba kufakwe iiphaneli zesola ezininzi ze-1 MW kuphahla lwamaziko emfundo ephakamileyo eDubai. Ukuqaliswa kwenzelwe ukunceda abantu baqale ukutshala imali kumandla elanga, bafumane ingeniso ezinzileyo kunye nokukhuthaza indima ekhulayo yobuchwepheshe "obuhlaza" kwiindawo ezahlukeneyo zehlabathi. Iqonga lisebenzisa umgaqo we-crowdsale, ofana ne-crowdfunding, kodwa isebenzisa ubukhulu becala asethi yedijithali endaweni yemali yokwenyani. I-Sun Exchange inika ithuba lokutyala imali encinci kwiiprojekthi zamandla. Iipaneli zelanga zomntu ngamnye zingathengwa njengenxalenye yezityalo ezincinci zamandla elanga, kwaye abanini bemithombo yamandla enjalo banokufumana isabelo sengeniso ekuthengisweni kombane oveliswayo.
Ukufakelwa koMbane
UZola
- inkampani yaseArusha (eTanzania), isanda kufumana igama elithi Zola. Le nkampani isebenza kwicandelo lamandla elanga, ikhuthaza ubuchwephesha bokusingqongileyo kwiindawo ezihlwempuzekileyo zasemaphandleni apho kukho izibane zeparafini, ukugawulwa kwamahlathi kunye nokungabikho kombane oqhelekileyo. Isiqalo saseTanzania esisekwe kwi-Off Grid Electric sifaka iipaneli zelanga eziphantsi kwexabiso eliphantsi kumaphahla ophahla ukuvelisa amandla emaphandleni aseAfrika. Kwaye inkampani ibacela nje i-6 yeedola (ikhithi ibandakanya imitha, izibane ze-LED, unomathotholo kunye netshaja yefowuni). Kunye kwaloo -$6 inye kufuneka ihlawulwe ngenyanga yolondolozo. I-Zola inikezela ngeepaneli zelanga, iibhetri ze-lithium kunye nezibane ezivela kumenzi wokuphelisa abathengi, nto leyo inciphisa kakhulu ixabiso lemveliso. Ngale ndlela, inkampani ilwa nentlupheko kunye neengxaki zokusingqongileyo emaphandleni aseAfrika. Ukusukela ngo-2012, okokuqala i-Off Grid Electric kwaye emva koko i-Zola baye banyusa ngaphezulu kwe-58 yezigidi zeedola kubatyali-mali bamazwe ngamazwe, kuquka iSolar City, iDBL Partners, iVulcan Capital, kunye ne-USAID-i-Arhente yase-United States yoPhuhliso lwaMazwe ngaMazwe.
M-Kopa
β UZola okhuphisana naye eKenya unceda amakhaya angenambane. Amandla eepaneli zelanga ezithengiswa nguM-Kopa anele iibhalbhu ezimbini zokukhanya, unomathotholo, ukutshaja isibane kunye nefowuni (yonke into ngaphandle kweyokugqibela iza iphelele nebhetri). Umsebenzisi uhlawula malunga ne-3500 yeesheleni zaseKenya (malunga needola ezingama-34) kwangoko, emva koko iisheleni ezingama-50 (malunga neesenti ezingama-45) ngosuku. Iibhetri zeM-Kopa zisetyenziswa ngamakhaya namashishini angaphezu kwama-800 eKenya, eUganda naseTanzania. Kwiminyaka emithandathu yokusebenza, ukuqaliswa kutsale ngaphezulu kwe-000 yezigidi zeedola kutyalo-mali. Abona batyali-mali bakhulu yiLGT Venture Philanthropy kunye noLawulo loTyalo-mali lweGeneration. Abaxumi bakwaM-Kopa bazakubona ukonga okuqikelelweyo kwe-41 yezigidi zeerandi kule minyaka mine izayo ngokufumana izibane zasimahla zeparafini, ngokutsho kukaJesse Moore, umlawuli oyintloko wale nkampani kunye nomseki-ntsapho.
Π’ΠΎΡΠ³ΠΎΠ²Π»Ρ
Jumia
-enye isiqalo esivela eLagos, eNigeria (ewe, abazi nje ukubhala iileta zamakhonkco, kodwa kunye ne-IT ). Ngoku le yi-analogue ye-Aliexpress eyaziwayo, kodwa ilungele ngakumbi ngokweenkonzo ezinikezelweyo. Kwiminyaka emihlanu eyadlulayo, inkampani yaqala ukuthengisa iimpahla kunye ne-elektroniki, kwaye ngoku yindawo enkulu yentengiso apho unokuthenga yonke into ukusuka ekutyeni ukuya ezimotweni okanye kwi-real estate. IJumia ikwayindlela efanelekileyo yokukhangela umsebenzi kunye nokubhukisha igumbi lehotele. IJumia yenza ushishino kumazwe angama-23 athatha i-90% ye-GDP yelizwekazi lase-Afrika (kuquka iGhana, iKenya, i-Ivory Coast, iMorocco ne-Egypt). Ngo-2016, inkampani yayinabasebenzi abangaphezu kwe-3000, kwaye ngo-2018, iJumia yasebenza ngaphezulu kwe-13 yezigidi zeeodolo. Ayingobantu baseAfrika kuphela kodwa nabatyali-mali bamanye amazwe abatyala imali kule nkampani. KweyoKwindla kulo nyaka uphelileyo, iqokelele i-326 yezigidi zeerandi kwingxowa-mali yabatyali-mali equka i-Goldman Sachs, i-AXA kunye ne-MTN. kwaye yaba yi-unicorn yokuqala yaseAfrika, ifumana ixabiso le-1 yeebhiliyoni zeedola.
Sokowatch
Isiqalo esinomdla saseKenya esasungulwa ngo-2013, kwandisa ukufumaneka kwempahla yabathengi bemihla ngemihla ngokuvumela iivenkile ezincinci ukuba zenze ii-odolo ezivela kubaboneleli abahlukeneyo bamazwe ngamazwe nangaliphi na ixesha ngeSMS. Iiodolo ke zicutshungulwa ngenkqubo ye-Sokowatch kunye neenkonzo ze-courier ziyaziswa ukuhambisa iodolo kwivenkile kwiiyure ezizayo ze-24. Isebenzisa idatha yokuthenga eqokelelweyo, iSokowatch ivavanya abathengisi ukubanika ukufikelela kwityala kunye nezinye iinkonzo zemali ezingafumanekiyo kumashishini amancinci. I-Sokowatch yabizwa ngokuba ngomnye wabaphumeleleyo abathathu kwi-Innotribe Startup Challenge, ephuhliswe kwiBhanki yeHlabathi ye-XL ye-Afrika ye-accelerator.
Isibhakabhaka.Igadi
evela eKenya eneneni liqonga lokuqalisa isoftware-njengenkonzo () kurhwebo oluncinci, olwenziwe ngokukodwa kumashishini aseAfrika. Ivenkile ye-intanethi ekulula ukuyisebenzisa i-Sky.garden ivumela abantu, amashishini amancinci kunye neenkampani zamanqanaba ahlukeneyo ukuba bathengise iimveliso zabo. Kwiinyanga ezimbalwa emva kokusungulwa kwayo, ukuqaliswa kubonise ukunyuka okuzinzile kwe-25% kwimithamo ye-odolo yenyanga. Oku kwenza ukuba kube lula ukuba athathe inxaxheba kwiprogram yophuhliso lweenyanga ezintathu ye-Norwegian accelerator Katapult kunye nenkxaso yemali ye-100 yeedola.
Ukuzonwabisa
Tupuka
sisiqalo saseAngola esibonelela ngenkonzo yokuhanjiswa kokutya ekhethekileyo kweli lizwe. Yaziswa ngo-2015, yayiliqonga lokuqala e-Angola lokuvumela abasebenzisi ukuba baodole kwiindawo zokutyela ezininzi ngokuthe ngqo kwi-smartphone yabo. Inkampani ngoku inabathengi abasebenzayo abangaphezu kwama-200. Kuyahlekisa ukuba ekuqaleni kophuhliso lwayo inkampani ayikwazanga ukuthatha ibhaso kwinqanaba lase-Angola lokhuphiswano lwe-Seedstars World. Kodwa ngo-000, basigqiba isigqibo sabo baza baphinda bafaka isicelo. Kwaye ngeli xesha siphumelele. Inkampani ngoku ibonelela ngokuziswa kokutya kuphela, kodwa kunye namayeza, kunye nokuthengwa kwiivenkile ezinkulu.
PayPal
sisiqalo saseNigeria esilungelelanise inkqubo yokuthenga nokuthengisa amathikithi kuyo nayiphi na imicimbi yelizwe (iisemina, izidlo zoluntu, imiboniso yefilimu, iikonsathi, njl.). Abasebenzisi banokwenza iminyhadala yabo, babelane ngayo kwimidiya yoluntu, babhalise abaphulaphuli babo, kwaye bathenge kwaye bathengise amatikiti, kunye neentlawulo ezicutshungulwa ngeprosesa yentlawulo yomntu wesithathu.
zobugcisa
Intando&Abazalwana
yinkampani enomdla evela eCameroon evele kwi-2015 kwaye yenza ngokukhutheleyo ukuqalisa. Ezona zidumileyo nezithandwayo kuzo zibonelela ngezisombululo zeedrones ezisekwe kubukrelekrele bokwenziwa. Inkampani iphuhlise i-AI ebizwa ngokuba yi "Cyclops" enokunceda i-drones ibone abantu, izinto kunye nezithuthi kunye nokuchonga iintlobo ezahlukeneyo zezilwanyana kwiindawo ezithile. Le projekthi ibizwa ngokuba yiDrone Africa. Iprojekthi ye-TEKI VR, egxile ekusetyenzisweni kweetekhnoloji zenyani, nayo isanda kusungulwa.
EyonaOne
ngumboneleli odumileyo ovela eLagos, eNigeria. Inkampani ibonelela ngeenkonzo zonxibelelwano kunye nezisombululo zenethiwekhi kulo lonke elaseNtshona Afrika. Ukususela ekuqalisweni kwayo kwi-2010, i-MainOne iqalile ukubonelela ngeenkonzo kubaqhubi abakhulu be-telecom, ababoneleli benkonzo ye-intanethi, ii-arhente zikarhulumente, amashishini amancinci kunye namaziko emfundo eNtshona Afrika. I-MainOne ikwanayo ne-MDX-i ye-data center subsidiary. Njengeziko ledatha le-Tier III lokuqala eNtshona Afrika kunye ne-ISO 9001, 27001 kuphela, i-PCI DSS kunye ne-SAP Infrastructure Services eqinisekisiweyo yeziko le-colocation, i-MDX-i ibonelela ngeenkonzo zefu ezixubileyo kwilizwe. (Cloud4Y uthanda , kuye kwafuneka ndongeze le nkampani kuluhlu :))
Yeyiphi enye into eluncedo onokuyifunda kwiblogi Cloud4Y
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Bhalisela yethu -ijelo ukuze ungaphoswa linqaku elilandelayo! Asibhali ngaphezu kwesibini ngeveki kwaye kuphela kwishishini.
umthombo: www.habr.com