MPAWA ARTWORK 1
FAQs

M-PAWA GENERAL FAQs

  1. What is M-Pawa?
    This is a banking service offered to M-Pesa registered customers through their mobile phones in partnership with CBA. Customers can save and borrow money while earning interest on money saved.
  2. Who qualifies to M-Pawa service?
    A registered and active Vodacom customer.
  3. What are the requirements of M-Pawa?
    The requirements of M-Pawa are:
    • A registered and active Vodacom M-Pesa account
    • Identification which are Tanzanian passport, national ID, voters ID, driving license, company ID
      NOTE:
      As condition set by the Tanzanian government, now the most highly accepted document is the National ID

    The following options are available on M-Pawa menu;
    • Send money
    • Withdraw money
    • Loan
    • Balance
    • Mini-statement
    • Terms and conditions
  4. Is there a need for different PINs for M-Pesa and M-Pawa accounts?
    No. M-Pesa and M-Pawa accounts use the same PIN.
  5. Is it possible to access M-Pawa while out of Tanzania?
    Yes, it is possible to access M-Pawa while out of Tanzania just like with M-Pesa. However, deposits and withdrawals can only be done at M-Pesa agents in Tanzania.
  6. What happens if customer lose his/her mobile and have an M-Pawa account?
    When a mobile phone is lost, customer’s money is safe because M-Pawa account is protected by the M-Pesa PIN. Thereafter, customer will follow the procedures for replacing the sim card at any Vodacom Shops. After SIM swap, the system automatically updates the M-Pawa account and all the money can be accessed.
  7. How do customer activate M-Pawa?
    If he/she is an existing M-Pesa customer:
    • Go to M-Pesa menu (*150*00#) then Select "M-Pawa”
    • Go to "Activate account". The 2nd option is Terms & Conditions, which directs customer to www.cbagroup.com/M-Pawa or Vodacom.co.tz
    • Enter M-Pesa PIN
    • A message will appear requesting whether customer have read and accept the Terms & Conditions. After accepting; an SMS will be sent informing customer that his/her M-Pawa request has been received and will be processed shortly.
    • A notification to confirm that customers account has been successfully created will follow.i.e Your {M-Pawa} account has been created successfully.
    • If unsuccessful, customer will receive a message for the same and advising to contact the Call Centre. I.e. Your {M-Pawa} account cannot be accessed because the service is currently unavailable. Please contact Customer Care on 100.

    NOTE: If he/she is a non- M-Pesa customer:

    • Visit an M-Pesa agent or Vodacom shop and register for M-Pesa service. After registered a start key will be sent to his.her phone via an SMS.
    • Dial *150*00# to access M-Pesa *150*00#
    • Select “Activate” or “M-Pawa” – check again
    • Enter the Start Key received, thereafter, continue as an existing M-Pesa customer.

LOANS FAQs

  1. Are there interest on M-Pawa loans?
    There is no interest charged. There is only facilitation fee of 9% of the loan amount requested charged only once for each loan taken in 30 days.
  2. If customer pay his/her loan before the due date, will he/she still be charged the facilitation fee at 9% of the loan amount? YES/NO
    Yes, this is the fee for processing the loan. The advantage of paying early is that it increases your chances to borrow in future.
  3. What is the M-Pawa loan repayment duration?
    The loan is payable within 30 days. However, you can repay the loan before the due date and borrow again. If you pay the loan in less than 30 days your loan limit will increase faster.
  4. How can customer check how much he/she can borrow?
    • Go to M-Pesa menu>Select “M-Pawa”
    • Select ‘Loan’>Go to “check Loan Limit”
    • Enter M-Pesa PIN> Wait for message about eligibility from bank
    • Customer will receive a message informing of loan eligibility or status, with or without outstanding loan.
  5. What are the minimum and maximum amounts to be borrowed?
    As per product rules, minimum amount which can be borrowed is Tsh.1, 000 and maximum amount is Tsh. 500,000. However, individual’s maximum is subject to individual credit score.
  6. How can a customer request for a loan through M-Pawa?
    Customer press *150*00# >M-Pawa>Loan> enter amount> enter PIN>Confirm loan request by pressing ok. Confirmation message that M-Pawa loan is being processed will be delivered.

    NOTE:

    • For a successful loan application the customer will receive the SMS: ‘Confirmed. Credit request at M-Pawa is approved. New M-PESA balance is TshXXXX.’
    • For an unsuccessful loan application you will receive different notifications for different loan decline scenarios. The notifications explain the reasons for the decline.
  7. How can customer repay his/her M-Pawa loan?
    Customer press *150*00# >M-Pawa>Loan> Pay Loan> enter amount>Enter PIN> Confirm the message displayed for example “Pay loan Tsh. XXXX then press OK, Then a confirmation SMS is received for or unsuccessful successful requests.
  8. Is it possible to have more than one M-Pawa loan account?
    No. customer can only have a 2nd loan if the outstanding loan is cleared.
  9. What happens if you have not paid your loan within 30 days?
    Repayment period will be extended for an additional 30 days at a penalty fee of additional 9%. It is encourage to customers to pay withinn30 days for limit growth also gives access to another loan.

SAVINGS FAQs

  1. What benefits does the customer get when save money on the M-Pawa service?

    Customer will be paid interest on his/her savings balance (Interest will be calculated daily but paid out after 3 months)

    The product offering will have tiered savings amounts as below subject to KYC validation.

    Savings Amount (Tsh.)

    Interest Rate (%)

    1, 000 - 200,000

    2

    200,001 - 500,000

    3

    500,001 - 1,000,000

    4

    1, 000,000

    5

  2. How can customer deposit money to his/her savings account?
    Customer to make sure that he/she has a balance in the MPESA then press *150*00# >M-Pawa>Send to M-Pawa>enter amount>Enter PIN> Confirm the message displayed by pressing 1 to confirm or 2 to cancel then wait for deposit confirmation message.
  3. How can you withdraw money from your savings account?
    Customer press *150*00# >M-Pawa>withdraw from M-Pawa>enter amount>Enter PIN> Confirm the details then press 1 to confirm then wait for deposit confirmation message.
  4. What is the minimum account balance in M-Pawa Savings Account?
    The minimum amount that can be kept in the account is zero. You can save as little as 1 Tsh.
  5. Can you send money to people who have an M-Pawa Account, directly to their M-Pawa account?
    No. You cannot move money from your M-Pawa account directly into another person's M-Pawa account. However, you can transfer money from your M-PESA into their M-PESA account.
  6. What are the charges of the service?
    There are no ledger fees, no limit on the frequency of withdrawals, no minimum operating balance and no charge on transfers between M-Pesa and M-Pawa accounts.
  7. Can customer access M-Pawa account through CBA or any other bank branch?
    No. M-Pawa account is only accessible through customer’s mobile phone via M-Pesa menu on his/her Vodacom line.
  8. What is the maximum you can transfer from M-Pesa to M-Pawa and vice versa?
    Normal M-PESA limits apply. And you can move up to 5 million Tshs into your MPAWA account and if customer wants to save more than 5M they can visit Vodashop and go with an ID and TIN number or proof of source of funding.
  9. How many times can one deposit and withdraw money between M-Pesa into M-Pawa account?
    This is as many times as possible.
  10. Can you transfer money between your bank account with CBA or any other bank directly from M-Pawa Account?
    No. This is only possible after transferring money from M-Pawa account to M-Pesa, then send from M-Pesa to authorized banks as per mobile banking services. This is as many times as possible.
  11. Is it possible to have more than one M-Pawa savings account?
    Yes, it is possible to activate more than one M-Pawa account, provided the customer has more than one M-Pesa account and hence more than one Vodacom sim card (each M-Pawa account is linked to one mobile number).

BALANCE & STATEMENT FAQs

  1. How does one check his/her M-Pawa account balance?

    Go to M-Pesa menu *150*00#
    Select “M-Pawa”
    Select ‘Mini Statement’
    Enter M-Pesa PIN.
    Wait for message with balance

  2. How do you request for your M-Pawa mini-statement?

    Go to M-Pesa menu *150*00#
    Select “M-Pawa”
    Select ‘Mini Statement’
    Enter M-Pesa PIN.
    Wait for message with balance

  3. How do you request for a statement?
    MPawa account statement can only be obtained from Vodacom Shop by the owner of the account.
    You can request for it by filling in a form or as per M-Pesa statement request process then wait for 6 hours to collect the same.

 

M-PAWA GENERAL FAQs

  1. M-Pawa ni nini?
    Ni huduma ya kibenki kwa wateja wote wa M-Pesa inayopatikana kwenye simu ya mkononi. Huduma hii analetwa kwenu na Benki ya  CBA kwa ushirikiano wa Vodacom. Ni huduma ambayo unaweza weka akiba na kukopa, pia unapata faida kwenye akiba yako.
  2. Nani anaweza tumia huduma za M-Pawa?
    Huduma za M-Pawa hupatikana kwa wateja wote waliojisajili na M-Pesa.
  3. Nini kinachohitajika kupata M-Pawa?
    Mahitaji ni:
    • Laini ya Vodacom iliyosajiliwa M-Pesa
    • Kitambulisho cha Taifa, cha mpiga kura, Leseni ya Udereva na hati ya kusafiria

      MUHIMU: Agizo kutoka Mamlaka ya Mawasiliano Tanzania; Kuanzia sasa kila laini lazima isajiliwe kwa kutumia kitambulisho cha Taifa.

    Hizi ndo huduma zinazopatika kwenye menu ya M-Pawa;
    • Weka Akiba
    • Toa pesa
    • Mkopo
    • Salio
    • Taarifa fupi
    • Vigezo na masharti
  4. Je kuna haja ya kuwa na Nywila (PIN) tafauti kati ya M-Pesa na M-Pawa?
    Hapana, Nywila (PIN) ni ile ile ya M-Pesa ndio ya M-Pawa.
  5. Je naweza kupata huduma ya M-Pawa nikiwa nje ya Tanzania?
    Ndio, inawezekana kupata huduma ya M-Pawa nje ya Tanzania kama unavyoweza pata huduma ya M-pesa pia. Lakini huduma za kutoa na kuweka zinaweza fanyika kwa wakala tu wa M-Pesa ndani ya Tanzania.
  6. Je inakuaje mteja akipoteza simu yake na alikuwa na akaunti ya M-pawa?
    Iwapo mteja atapoteza simu yake, pesa zake kwenye akaunti ya M-pawa zitabaki kuwa salama hadi pale mteja atakapo maliza utaratibu wakurejesha namba yake kwenye duka lolote la Vodacom. Baada ya laini yako kufunguliwa basi huduma zote za M-Pawa zinarudi ikiwa ni pamoja na fedha zilipo ndani ya akaunti.
  7. Je mteja anajiungaje na huduma ya M-Pawa?
    Kama mteja tayari ni mtumiaje wa M-Pesa:
    • Nenda menu ya M-pesa (*150*00#) alafu chagua "M-Pawa”
    • Nenda "Wezesha Akaunti". Chagua la pili ni Vigezo na Masharti, ambayo humpeleka mteja kwenye tovuti ya www.cbagroup.com/M-Pawa au Vodacom.co.tz
    • Ingiza PIN ya M-pesa.
    • Meseji itatokea inakuuliza kama umesoma vigezo na masharti. Baada ya kukubali, meseji itatumwa kumjulisha mteja kuwa ombi lake la M-pawa limefika na linashughulikiwa.
    • Meseji itakuja kukufahamisha akaunti yako imewezesha. Ila kama haija fanikiwa, wateja watapata ujumbe kuwajulisha kuwa apige simu huduma kwa wateja(100) kusaidiwa zaidi.

    Kama mteja siyo mtumiaji wa M-Pesa:
    • Tembelea duka lolote la Vodacom na ujiandikishe na huduma ya M-pesa.
    • Piga *150*00# kupata menu ya M-pesa kisha chagua M-Pawa.
    • Chagua “Wezesha akaunti”
    • Ingiza PIN yako ya M-pesa.

MKOPO

  1. Je kuna gharama yoyote ya mkopo?
    Ndio kuna riba ya 9% inayotozwa kwenye kiasi cha mkopo ulicho omba. Na inatozwa mara moja tu kwa kila mkopo utakaochukua wa kulipwa ndani ya siku 30.
  2. Je mteja akilipa mkopo kabla ya siku 30 kufika, atatoza bado hiyo gharama ya 9%?
    Ndio bado atatozwa kwasababu hiyo ni gharama ya mkopo.
  3. Huu mkopo ni wa muda gani?
    Mkopo ni wa siku 30, unaweza kulipa mapema kabla ya siku 30 kufika na kuchukua mkopo mwingine tena baada ya kulipa.  Ukilipa mapema unajiongezea nafasi ya kuongeza kiwango cha kukopa. Ila unapochelewa kulipa baada ya siku 30 utatozwa gharama nyingine na pia kiwango cha kukopa kinawezwa kushuka.
  4. Jinsi gani mteja anaweza kuangalia kiasi gani anaweza kukopa?
    • Nenda Menu ya M-Pesa kisha chagua “M-Pawa”
    • Chagua ‘Mkopo’ > alafu chagua “kiasi unachostahili”
    • Weka PIN ya M-Pesa > Subiria uje wa meseji kukufahamisha uwezo wako wa kukopa.
    • Mteja atapata ujumbe kumjulisha anachostahili au kama hujakizi vigezo au unadeni la kiasi fulani.
  5. Kipi kiwango cha chini kabisa na cha juu kabisa cha kukopa?
    Kwa huduma hii, kiwango cha chini ni Tsh.1, 000 na cha juu kabisa ni Tsh. 500,000. Kila mteja anapata kiwango chake kulingana na tabia yake ya kutumia M-Pesa, kuweka Akiba M-Pawa , Kukopa na kurudisha kwa Wakati ( ndani siku 30).
  6. Mteja anaombaje mkopo kupitia mpawa?
    Piga *150*00# > M-Pawa > Mkopo > ingiza kiasi > weka PIN > Thibitisha ombi lako la mkopo. Meseji ya ombi lako la mkopo lina shughulikiwa itakuja.
    FAHAMU:
    • Kama maombi yamefanikiwa utapewa meseji ya salio lako jipya la M-pesa na pia meseji kutoka M-pawa kukujulisha kiasi ulichopata na siku ya mwisho ya kulipa huo mkopo.
    • Kama maombi hayajafanikiwa atapata ujumbe wa kumfahamisha kwanini haikufanikiwa.
  7. Mteja analipaje mkopo wake?
    Piga *150*00# > M-Pawa > Mkopo > Lipa Mkopo > weka kiasi > weka PIN > Meseji itakuja kukuuliza kutibitisha unalipa kiasi cha Tshs XXXXX au utapata meseji ya kutofanikiwa.
  8. Je unaweza kuwa na akaunti Zaidi ya moja ya mkopo wa M-Pawa?
    Hapana. Mkopo wa pili unapatikana baada ya kulipa wa kwanza.
  9. Nini kitatokea nisipo lipa mkopo ndani ya siku 30?
    Utatozwa penati ya 9% tena na kuongezewa siku 30 zingine za kulipa.
    Unashauriwa kulipa mapema(NDANI YA SUKI 30 ) ili kukuza kiwango chako cha kukopa na pia uwe na uwezo wa kukopa tena.

AKIBA MASWALI

  1. Faida gani mteja anapata akiweka akiba na M-Pawa?
    Mteja atalipwa faida ya akiba yake (faida hii inahesabika kila siku na malipo ni baada ya miezi mitatu)

    Hapa chini ni makundi ya kuweka akiba na asilimia ya akiba atakayo lipwa.

    Kiasi cha Akiba (Tsh.)

    Faida (%)

    1, 000 - 200,000

    2

    200,001 - 500,000

    3

    500,001 - 1,000,000

    4

    >1, 000,000

    5

  2. Mteja anawekaje akiba kwenye akaunti yake?
    Mteja anabidi awena salio kwenye akaunti yake ya M-pesa kisha piga *150*00# > M-Pawa > Tuma M-pawa weka kiasi >weka PIN> thibitisha kwa kuchagua 1 au batilisha kwa kuchagua 2.
  3. Je unatoaje pesa kwenye akaunti yako ya M-pawa?
    Piga *150*00# > M-Pawa > toa kutoka M-Pawa> ingiza kiasi >weka PIN > thibitisha kwa kuchagua 1 au batilisha kwa kuchagua 2.
  4. Kiasi gani ndo kiwango cha chini kabisa kuwa ndani ya akaunti ya M-Pawa?
    Kiwango cha mwisho kabisa kuwa ndani ya akaunti ya akiba ya M-pawa ni Tshs.0. Na unaweza kuamisha kiasi kidogo hadi Tshs. 1.
  5. Je unaweza tuma pesa iliyopo ndani ya M-pawa kwa mteja mwingine wa M-Pawa?
    Hapana. Huwezi tuma moja kwa moja bali unaweza kuhamisha kutoka M-Pawa kwenda M-Pesa na kutuma kwa M-Pesa akaunti ya huyo mteja.
  6. Kuna gharama zozote za hii huduma?
    Hakuna gharama zozote za kuweka na kutoa akiba yako kutoka M-Pawa kwenda M-Pesa hata ufanye mara nyingi uwezavyo ni bure kabisa.
  7. Je mteja anaweza kupata na kuitumia akaunti yako ya M-Pawa kwenye benki ya CBA au benki yoyote ile?
    Hapana. Akaunti yako ya M-Pawa inapatikani kwenye simu yako ya mkononi tu na kupitia laini yako ya Vodacom.
  8. Kipi kiwango kikubwa Zaidi unachoweza weka M-Pawa na pia kutoa M-Pawa? Vigezo vya kawaida M-Pesa vinahusika kwenye kutoa kutoka M-Pawa.
    Ila unaweza hamisha hadi milioni 5 kwenda M-Pawa. Na kama mteja anataka kuweka Zaidi ya 5M anatakiwa atembelee duka lolote la Vodacom na kwenda na kitambulisho na TIN number au kithibitisho cha kipato chake.
  9. Ni mara ngapi kwa siku unaweza hamisha pesa ndani na nje ya akaunti ya M-Pawa?
    Mara nyingi uwezavyo.
  10. Je ninaweza tuma pesa moja kwa moja kutoka akaunti yangu benki kwenda M-Pawa au M-Pawa kwenda kwenye akaunti yangu ya benki?
    Hapana. Hii huduma ipo tu kwenye M-Pesa. Kwa hiyo hamisha pesa kutoka M-Pawa kwenda M-Pesa alafu ndo unapeleka benki.
  11. Je ninaweza kuwa na akaunti Zaidi ya moja ya kuweka akiba kwenye M-pawa?
    Ndio unaweza, ila kwa kuwa na laini mbili za Vodacom. Kila laini moja ya Vodacom inakuwa na akaunti moja ya M-Pawa.

Salio na Taarifa fupi Maswali

  1. Nina cheki vipi salio la akaunti yangu?

    Nenda kwenye menu ya M-Pesa *150*00#
    Chagua “M-Pawa”
    Chagua ‘Salio’
    Weka PIN ya mpesa.
    Subiria meseji ya salio.

  2. Ninaombaje taarifa zangu za akaunti yangu ya M-Pawa?

    Nenda kwenye menu ya M-Pesa *150*00#
    Chagua “M-Pawa”
    Chagua  ‘Taarifa fupi’
    Weka PIN ya M-Pesa.
    Subiria meseji ya taarifa.

  3. Nina pataje historia ya miamala yangu ya M-Pawa?
    Huduma hii hupatikana kwenye maduka ya Vodacom. Unaenda na kujaza fomu ya kupata taarifa hizi.