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Fikrad Guud Oo Ku Saabsan Tariffs-ka MMT-ga Waa Kuwee Adeegyada Aan Charge-garayn karnaa? Soo-jeedinta Qaabka Tariffs-ka, Rates-ka & Odoros-ka Revenue-ga laga samayn karo
Waa habka ugu fudud; Ma aha qiime macquul Competitive Price ku ah Low Value Transactionska;
Waa hab dakhli badan lagu samayn karo; Dakhli lagagama samayn karo lacagaha yar-yar Low Value Transactions-ka;
Waa hab dakhli badan lagu samayn karo; Waa hab Agents-ka; u fiican
Transaction Tiers
CHARGES
Min.
Max.
Local
1,000,000 1,000,000 30,000 60,000 125,000 250,000 500,000 1,000,000 30,000 60,000 125,000 250,000 500,000 1,000,000 1,000,000
0 800 1,600 2,000 3,700 7,200 10,000 19,000 700 1,000 1,600 3,000 5,000 9,000 0
WITHDRAW 5,000 30,001 By Registered user 60,001 125,001 250,001 500,001 By Non-Registered/Mobile user (MTN or Local Network) PAYMENTS Goods & Services (pay bills for DStv, Water etc.) PURCHASES MTN Airtime 5,000 1,000,000 0 5,000 125,001 250,001 125,000 250,000 500,000 400 700 1,000 5,000
500,001
1,000,000
2,000
Waa habkii Tier transaction charging system; Maadaama uu ahaa mid faham-kiisu adag yahay way sii adkeeyeen markii ay farabadiyeen ranges-ka transactions-ka; Waxay ka ilaaliyeen fraud inuu yimaaddo markii ay isku mid ka dhigeen dhamaan saddexda nooc ee Send Money-ga ah P2P, B2B iyo B2P; waxay ka ilaaliyeen in Competitors-koodu jaanis ka helaan markii ay qiimaha u jabiyeen si xooggan.
ADEEGYADA ZAAD
No 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 Service Type Customer Deposit Customer Withdrawal Customer Send Money Hawala Sent By Customer Hawala Sent By Store Airtime Recharge Customer Bill Payment Merchant Withdrawal Merchant to Merchant Transfer EVC Agent Recharge Merchant to Customer Send Money Inter-Network Incoming Transfer Inter-Network Outgoing Transfer Bank Deposit Bank Withdrawal Data Recharge Inbound International Hawala Inbound Forwared International Hawala Outbound International Hawala Total Total Transactions Jan-June, 2012 736,792 405,935 28,054,721 2,702 3 10,068,197 6,237,019 19,597 110,945 102,769 1,143,884 102,505 67,943 16,513 32,205 53,638 1,874 537 52 47,157,831 % 1.56% 0.86% 59.49% 0.01% 0.00% 21.35% 13.23% 0.04% 0.24% 0.22% 2.43% 0.22% 0.14% 0.04% 0.07% 0.11% 0.00% 0.00% 0.00% 100 %
Adeegyada shanta ah ee sare ku xusan waa kuwa hadda charge-ka leh, waxaanay ka yihiin guud ahaan transactions-kii dhacay Jan-June, 2012 nisbad aan ka badnayn 1.22% . Waxa sidoo kale jira adeegyada: a) In-bound & Inbound Forwarded International Hawala b) Inter-Network incoming Transfers oo Partners-keenu charge gareeyaan inaguna aynu commission ku leenahay. N.B: Commissions-ka Inter-Network incoming-ku waa 50% halka In-bound International Hawala Taaj Express uu yahay 50% , Tawakal Express-na uu yahay 20%
MinAmount
Out-bound International Hawala waxay leedahay charge ku base garaysan wadan, Commissions-ka Partners-ku inaga qaadaan waa sidan: -Taaj Express: 50% - Tawakal Express: Unknown
ADEEGYADA AAN WAXBA LA CHARGE GARAYN & SOO JEEDINTA KUWA LA CHARGE GARAYN KARO
Adeegyadani waxay isugu jiraan saddex qaybood oo kala ah: 1. Adeegyo aanay suurta gal ahayn in wax la charge gayeero marnaba oo ka ah transactions-ka 23%, waana kuwan: a) Customer Deposit b) Airtime Recharge c) EVC Agent Recharge d) Data Recharge e) Bank Deposit Adeegyo mustaqbalka laga fakari karo charge-kooda oo ka ah transactions-ka 13%, waana: a) Bill Payment b) Merchant Withdrawal
N o 1 2 3 4 5 6 7 8 9 10 11
Service Type Customer Deposit Customer Send Money Airtime Recharge Customer Bill Payment Merchant to Merchant Transfer EVC Agent Recharge Merchant to Customer Send Money Bank Deposit Bank Withdrawal Data Recharge Merchant Withdrawal Total
Total Transactions Jan-June, 2012 736,792 28,054,721 10,068,197 6,237,019 110,945 102,769 1,143,884 16,513 32,205 53,638 19,597
46,576,280
% 1.56% 59.49% 21.35% 13.23% 0.24% 0.22% 2.43% 0.04% 0.07% 0.11% 0.04% 98.78%
2.
N.B:Shirkadaha Mobile Money-ga bixiya qaarkood Bill-Paymentka Utility Agents-ka & TVyada ayay Charge ka qaadaan.
Fiiro-gaar ah: 1) Waxa feker dheer u baahan saamaynta ay isku yeelan doonaan Transaction Limit-ka iyo Charge-ku. 2) Waxa jira adeegyo ay baahi u qabaan macaamiisha Inter-Network gu, charge-na laga dhigo karo balse aynaa hadda lahayn waana: a) Inter-Network Bill Payment b) Inter-Network Merchant to Merchant
c) Inter-Network Merchant to Customer 3) Adeegyda Send Money waxa kamid ah asbaabaha loo adeegsado: a) Payroll Payment b) Bulk Payment Waxa muhiim ah in charges-kooda tix galin gaar ah loo sameeyo isla markaana TranType gaar ah ay noqdaan.
SOO JEEDINTA QAABKA TARIFFS-KA, RATES-KA LA CHARGE GARAYN KARO IYO ODOROSKA REVENUE-GA LA FILI KARO
P2P,
B2B
&
B2P
P2P, B2B Iyo B2P Range ($) # Trans 1,563,985 0.1 - 1 2,563,694 1.1 - 10 466,007 10.1 - 20 189,494 20.1 - 30 233,114 30.1 50 198,195 50.1 100 199,534 100.1 1000 40,263 1000.1 - 2000
% 29% 47% 9% 3% 4% 4% 4% 1%
29%
BANK WITHDRAWAL TRANSACTIONS Range ($) # Trans 0.1 - 1 0 1.1 - 10 0 10.1 - 20 1184 20.1 - 30 496 30.1 50 854 50.1 100 938 100.1 1000 1000.1 - 2000 <2000.1
1671 83 57
%
0% 0% 22% 9% 16% 18% 32% 2% 1%
11%
8% 2%
10% 5% 6%
0.1 - 1
1.1 - 10
10.1 - 20
20.1 - 30
30.1 50
50.1 100
< 2000.1
Rates (USD/S.SH)
0.04/260 0.07/455 0.14/910 0.2/1300 0.25/1625 0.30/1950 0.35/2275 0.40/2600
Comm
50% 50% 50% 50% 50%
1 2 3 4
5
1 2 3 4 5 6 7 8
0.1 - 1 1,563,985 1.1 - 10 2,563,694 10.1 - 20 466,007 20.1 - 30 189,494 30.1 50 233,114 50.1 100 198,195 100.1 1000 199,534 1000.1 - 2000 40,263 Total Expected Revenue
Bank Withdrawal # Trans Range ($) July, 12
No
1 2 3 4 5
10.1 - 50 2,534 50.1 100 938 100.1 1000 1,671 1000.1 - 2000 83 < 2000.1 57 Total Expected Revenue
ZAAD SERVICES PROJECTED INCOME STATEMENT FROM APRIL, 09 - 31ST JULY, 2012
Revenue Direct Revenue: Inter-Network Incoming Revenue Hormuud Golis Total Inter-Network Incoming Rev. Inter-Network Outgoing Revenue Hormuud Golis Total Inter-Network Outgoing Rev. In-bound -ZAAD- International Revenue Qaran Tawakal Taaj Express Total In-bound ZAAD Revenue In-bound -NonZAAD- International Revenue Qaran Tawakal Taaj Express Total In-bound -Non-ZAAD Revenue Withdrawal Revenue Hawala Revenue Total Direct Revenue InDirect Revenue ZAAD Airtime Recharges Customer Retention Total Indirect Revenue sales Expenses Withdrawal Commissions Hawala Commissions Salaam Transaction Fee Expense Total Sales Expenses Gross Income
7,424.01 59,574.40 66,998.41 6,212.14 49,936.32 56,148.46 34,232.29 156.40 281.59 34,670.28 681.71 19.36 15.14 716.21 20,684.55 9,426.68 188,644.59 3,430,862.67 3,430,862.67 16781.45 1144.4 11740.4 29,666.25 3,589,841.01
4,850.54
4,850.54 3,366.95 3,366.95 189.98 189.98 10.92 10.92 274,418.00 234.80 167.30 283,238.49 183,650.01 183,650.01 187.84 8.43 816.04 1,012.31 465,876.19
No
1 2 3 4 5 6 7 8 9
Customer & Merchant Withdrawal Range ($) Customer Merchant Total 0.1 - 1 1,897 13 1,910 1.1 - 10 17,353 233 17,586 10.1 - 20 12,073 346 12,419 20.1 - 30 6,332 178 6,510 30.1 50 8,488 300 8,788 50.1 100 7,220 265 7,485 100.1 1000 14,199 968 15,167 1000.1 - 2000 3,207 380 3,587 < 2000.1 4,097 843 4,940
Total
78,392 100%
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