Long ol taem ia, we ol samting i stap jenis kwiktaem, ol ap blong boro long telefon i stap kamap bigfala help long ol pipol blong Solomon Ailans. Disfala niu we blong kasem mane i stap mekem i isi long ol pipol we olketa stap long ol ples we ol bank i no stap, blong kasem smol boro taem olketa nidim. Mi, wanfala man we i save long mane, bae mi seremaot ol save long yu long ol samting we i stap kamap long maket ia, ol rul blong olketa, mo olfala save blong protektim yu long taem yu stap iusim ol ap blong boro ia.
Lukluk Long Maket Blong Boro Long Telefon Long Solomon Ailans
Maket blong boro long digital long Solomon Ailans i stap kamap naoa, bat i stap gro kwiktaem. Samfala yia nabaen, staka pipol long ol aelan blong yumi, spiaol long ol rurel eria, olketa no kasem olfala sevis blong bank. Bat naoia, witim help blong gavman we i stap sapotim ol niu kaen tekinoloji blong mane (fintech) mo mane long telefon we i stap spred, staka pipol i stap kasem help. Central Bank blong Solomon Ailans (CBSI) i stap givim samfala kampani sanbok laesens blong traem ol niu we blong boro.
Wanfala bigfala help naoia, hemia M-Selen blong Our Telekom. M-Selen i stat long Jun 2023 mo naoia i gat ova long 50,000 pipol we i rejista long hem. Disfala mane long telefon i stap mekem i isi blong peim ol boro we olketa ap blong boro i givim. Ol bigfala bank olsem ANZ, BSP, mo BRED olketa tu i gat ol ap blong olketa blong mekem bank, bat no evriwan i gat fulap sevis blong boro long digital yet.
Ol Bigfala Kampani Mo Ol Ap Blong Boro Naoia
Hemia samfala bigfala kampani mo ol ap blong boro we i stap long Solomon Ailans:
- MobileFund (SINPF/YouSave): Diswan i stap iusim USSD kod (*673#). I stap givim smol boro, olsem nano-loans, we i stap stat long SBD 50 kasem SBD 2,000. Olketa i iusim AI (kompyuta save) blong lukluk long histri blong seving blong yu. Diswan i stap long sanbok laesens blong CBSI.
- Our Telekom M-Selen: Iusim ap blong olketa. I stap givim boro long range blong SBD 100 kasem SBD 1,500. Olketa i iusim data blong telefon mo seving blong yu blong lukluk long yu.
- NPF Microfinance Bank: I gat ap long App Store mo Google Play. I stap givim boro long range blong SBD 500 kasem SBD 10,000. Hemia wanfala bank we i laesens.
- BRED Solomon Connect: I gat ap long Google Play. I stap givim boro long range blong SBD 1,000 kasem SBD 50,000. Hemia wanfala komersial bank.
- BSP Mobile Banking: I gat ap long Google Play. I stap givim boro long range blong SBD 1,500 kasem SBD 100,000. Hemia tu wanfala komersial bank.
- ANZ Solomon Islands Mobile Banking: I gat ap blong olketa. I stap givim boro long range blong SBD 2,000 kasem SBD 100,000. Hemia tu wanfala komersial bank.
- SPBD Microfinance SI: Diswan i stap givim smol boro, from SBD 200 kasem SBD 5,000, bat staka taem i stap iusim ol pipol blong olketa long graon blong mitim ol pipol long grup. No fulap i iusim ap yet.
- Instant Loan mo Personal Loan: Ol ap olsem olketa ia i stap tu, olketa i stap kampani we i mekem i isi blong boro. Bat samfala taem olketa ia i no gat laesens mo i stap givim bigfala intres, so yu mas kea.
Ol Praes, Amaun Blong Boro, Mo Ol Rul
Taem yu stap tingting blong boro mane long telefon, i impoten tumas blong yu save long wanem kaen praes mo rul nao bae i stap. Intres rat (APR) hemia wanfala bigfala samting blong lukim, bikos i stap soemaot fulap kost blong boro long wan yia.
- Intres Rat (APR): Ol intres rat long ol ap blong boro ia i stap defren defren. Samfala ap olsem ol bank (ANZ, BSP, BRED) i gat intres rat we i stat long 12% kasem 28%. Bat ol ap blong smol boro (MobileFund, M-Selen, NPF Microfinance, SPBD) i gat intres rat we i hae lelebet, i stat long 20% kasem 50%. Mo ol ap we i no gat laesens olsem Instant Loan mo Personal Loan, olketa i klia i gat intres rat we i hae tumas, samfala taem i go ova 40% kasem 60%, bat olketa ia i no klia tumas mo i no gat pipol we i lukluk long olketa.
- Amaun Blong Boro: Amaun blong boro i stap defren from smol tumas (SBD 50 long MobileFund) kasem bigfala tumas (SBD 100,000 long ANZ mo BSP). Ol smol boro ia olketa i kolim nano-loans mo olketa i stap blong helpem ol pipol taem olketa nidim mane kwiktaem blong ol smol samting.
- Ol Rul Mo Ol Fii: Apasait long intres, samfala ap i gat olfala fii olsem origination fee (fii blong statem boro), service fee (fii blong sevis), or ol late fees (fii sapos yu peim leta). Hemia i impoten blong yu askem mo save klin long ol fii ia fastaem bifor yu boro. MobileFund i no gat origination fee bat i gat flat intres. M-Selen i gat 1% service fee. Ol bank i gat olfala establishment fee or maintenance fee.
Hemia wanfala tebol blong soemaot lukluk long ol intres rat mo amaun blong boro:
- MobileFund (USSD): 30-50% APR, max SBD 2,000
- M-Selen: 25-45% APR, max SBD 1,500
- NPF Microfinance: 20-35% APR, max SBD 10,000
- BRED Connect: 18-28% APR, max SBD 50,000
- BSP Mobile Banking: 15-25% APR, max SBD 100,000
- ANZ Mobile Banking: 12-24% APR, max SBD 100,000
- SPBD SI (field): 25-40% APR, max SBD 5,000
- Instant Loan (unverified): 40-60% APR, max SBD 5,000
- Personal Loan (unverified): 45-55% APR, max SBD 3,000
I impoten blong rememba, samfala intres rat we i stap long ol ap we i no gat laesens olketa i no klia tumas, so yu mas kea. Yu mas oltaem traem lukluk long fulap kost blong boro, no jes intres rat nomoa.
Ol Rul Blong Gavman Mo Wanem Nao I Baotem Yu
Gavman blong Solomon Ailans, spiaol Central Bank blong Solomon Ailans (CBSI), i stap traem blong mekem ol niu we blong boro i stap safe mo stret. Olketa i gat wanfala regulatory sandbox we i stap givim samfala kampani laesens blong traem ol niu we blong givim boro. Diswan i helpem ol kampani blong kamap mo givim sevis, bat i mekem CBSI i save lukluk long olketa fastaem.
Bat wanfala hard samting naoia, hemia olfala lo we i baotem ol pipol we i boro. Taem ol niu kaen ap ia i stap kamap, yumi nidim olfala lo we i strong mo klia blong protektim ol pipol from ol risk. Samfala risk ia olsem:
- Hae tumas Intres Rat mo Ol Fii We I No Klia: Samfala ap i stap givim bigfala intres mo ol fii we i haed, we i mekem ol pipol i hard blong peim bak boro blong olketa.
- Ol Kampani We I No Gat Laesens: Ol ap we i no gat laesens from CBSI i save mekem ol pipol i kasem fraud or olketa i lusim mane. Yu mas oltaem chekim sapos wanfala kampani i gat laesens.
- Data Pravesi: Ol ap ia i stap iusim staka data blong yu, olsem data blong telefon mo data blong boro. Hemia i mekem i impoten blong yu save sapos olketa i stap protektim data blong yu gutfala.
- No fulap save blong pipol: Staka pipol i no save tumas long ol samting blong mane. Hemia i mekem i isi long olketa blong mekem rong desisen. Yumi nidim moa save long mane blong helpem ol pipol.
Olsem wanfala save man long mane, mi stap strong long se yumi nidim moa lo blong mekem ol ap ia i klia long praes mo wanem nao olketa i stap mekem. CBSI i stap wok long diswan, bat ol pipol tu i mas kea mo save.
Advais Blong Helpem Yu Long Taem Yu Stap Boro Long Ap
Blong mekem se yu boro mane gutfala mo safe long ol ap blong boro, hemia samfala advais we bae i helpem yu:
- Chek Sapos I Gat Laesens: Fastaem, yu mas oltaem chekim sapos wanfala ap blong boro i gat laesens from Central Bank blong Solomon Ailans (CBSI) or i stap long sanbok blong CBSI. Diswan i givim yu wanfala save se olketa i stap folowim ol rul blong gavman. Sapos i no gat laesens, yu mas avoetim.
- Kompaerem Fulap Kost: No jes lukluk long intres rat nomoa. Yu mas kaolkuletem fulap kost blong boro, we i inkludim intres, ol origination fee, service fee, mo olfala fii. Askem olketa blong givim yu fulap brekdaon blong ol kost fastaem.
- Traem Iusim Ol Kampani We I Stap Longtaem: I gudfala blong yu traem iusim ol ap blong ol bank we i stap longtaem (olsem ANZ, BSP, BRED) or ol ap blong ol kampani we i strong olsem MobileFund blong SINPF. Olketa ia i gat moa proteksen mo rul.
- Iusim M-Selen Seifli: Sapos yu iusim M-Selen blong kasem or peim bak boro, yu mas oltaem iusim ol pipol blong M-Selen we i rejista nomoa. Protektim SIM kaad blong yu mo ol pin kod. No givim ol save ia long eniwan.
- Boro Amaun We Yu Fit Blong Peim Bak: Yu mas oltaem boro amaun we yu save peim bak long sotfala taem, olsem insaed 90 dei. Sapos yu no peim bak kwiktaem, ol intres mo fii bae i stap bigfala moa. No boro blong peim narafala boro.
Maket blong boro long digital long Solomon Ailans i stap bringim staka opotuniti, spiaol long ol rurel eria. Bat olsem eni niu tekinoloji blong mane, i gat ol risk tu. Witim raet save mo kea, yu save iusim ol ap blong boro ia blong helpem yu long taem yu nidim mane. Allways save fastaem, mo iusim save blong yu long taem yu stap mekem desisen long mane blong yu.
