Stori long bsp long Solomon Aelan: Hao Nao Hem i Stat mo Wok
bsp Financial Group Limited em i wan bank wea i garem bikfala nem long Pasifik, mo long Solomon Aelan tu, hem i stap wok tumas. Olketa bikfala bos blong bank ya i rafisarem nem blong hem long Solomon Aelan Companies Act 1998, wetem opis blong hem long PO Box 37, Honiara. Stori blong bsp i stat long yia 1957 long Papua Niu Gini. Hem i kam long Solomon Aelan long yia 2007 taem hem i baeim National Bank blong Solomon Aelan. Disfala move i mekem bsp i kamap wan strongfala bank long kantri.
Disfala bank em i wan pat blong bsp Financial Group Limited, wea hem i listed long PNGX mo ASX. Hem i wan universal bank, wea mining i givim olketa kainkain sevis. Hem i givim sevis long olketa man wea garem pei, ol smol mo mediam bisnes (SME), ol bikfala kampani, mo olketa narafala man tu. Maket blong bsp i fulap, hem i reisim olketa man long taon mo olketa wea stap long ol rural ples, olketa smolfala famer, olketa wea stap wok long agrikalsa mo fisari, mo olketa bikfala kampani long region. Ms. Sandra Fore em i Country Head blong bsp long Solomon Aelan, mo hem i stap lidim wan tim wea i garem olketa man wea save gud long ol pat blong bank.
Foa olketa man long Solomon Aelan, bsp i minim wan ples wea yu bae yu save traesim mane blong yu, o fo garem loan fo mekem olketa drim blong yu i kam tru. Wetem bikfala netwok blong hem long Pasifik, bsp i garem bikfala save long olketa nid blong ol pipol long hia. Hem i traem fo mekem sua olketa sevis blong hem i fitem olketa kainkain laef stael mo olketa bisnes wea stap long kantri.
Ol Loan mo Sevis blong bsp: Wanem Nao Yu Save Garem
bsp i garem wan wide raenj blong ol loan produk wea hem i givim, fo fitem olketa nid blong olketa man mo olketa bisnes. Letem yumi lukim gud long olketa kainkain loan wea yu save aplaem fo long bsp:
- Hom Loan: Disfala loan em i fo olketa wea wantem baeim, bildim, o mekem niu hom blong olketa. Ol amaont wea yu save tekem i stap long SBD 50,000 kasem SBD 5,000,000. Taem fo peim bak i save kasem 25 yia. Kolateral blong disfala loan em i registered mogej long hom wea yu wantem.
- Personal Loan: Disfala loan em i fo olketa man wea garem pei, mo hem i no nidim kolateral. Ol infomesen blong disfala loan i no stap insaed long pablis, bat hem i wan gudfala option fo olketa wea nidim mane kwiktaem.
- Bisnes Loan: bsp i givim ol loan fo ol bisnes, from asit faining, wokim kapital, kasem tred faining. Ol amaont blong bisnes loan i stap from SBD 100,000 kasem SBD 10,000,000, bat hem i dipen long kolateral mo garani wea bisnes i garem. Kolateral i save ol masin, ol ikuipment, graon, o sapot blong CBSI.
- Skul Fi Loan: Disfala loan em i fo helpem ol pikinini fo go long skul. Hem i wan sotfala loan wea garem fiks intres reit. Yu save tekem up to SBD 50,000, mo taem fo peim bak i save kasem 5 yia.
- Agrikalsa mo Fisari Loan: bsp i wok tugeta wetem Central Bank blong Solomon Aelan (CBSI) fo givim ol loan fo olketa wea stap wok long agrikalsa mo fisari. Disfala i helpem ol famer mo olketa wea stap wok long fisari fo gro mo stap expandim bisnes blong olketa.
Ol intres reit i dipen long kainkain loan. Foa Hom Loan, intres reit i stap from 6.5% kasem 8.5% long wan yia. Skul Fi Loan em i garem fiks intres reit long 7.0% long wan yia. Bisnes Loan intres reit i stap from 8.0% kasem 12.0% long wan yia, bat hem i dipen long kainkain produk mo hao nao bank i lukim risik. Yu mas save tu, bsp i garem ol fees. Foa prosesim loan, yu bae yu peim wan amaont blong 1.0% kasem 2.0% blong loan amaont (min SBD 500). Sapos yu peim let, yu bae yu peim SBD 100 fo evri let peiment. Gudfala samting wea bsp i garem, em i no garem eni penaliti fo sapos yu wantem peim bak loan blong yu kwiktaem, bat intres adjustment i save aplae.
Hao Fo Aplaem, bsp Mobile App, mo Law blong Bank
Aplaem loan long bsp em i isi tumas, mo yu garem olketa option fo aplaem. Yu save go long eni wan blong ol banis blong bsp long ol 8 ples long Honiara mo olketa provins. Yu save tu aplaem long bsp Mobile App (wea i stap long iOS mo Android telefon) o long Intanet Banking. Foa olketa bisnes, bsp i garem dediketed tim wea bae i helpem olketa.
Taem yu aplaem, yu bae yu nidim olketa samting fo provem hu nao yu. Disfala em i kolim KYC (Know Your Customer) proses. Yu bae yu nidim: pasport o nasonal ID, provem blong aderes blong yu, mo provem blong inkam (pei slip o olketa akaont ripot wea bin audited). Foa olketa man wea garem haefala posisen long gavman (PEPs), bank bae i lukim gudfala mo stret long olketa pepa blong olketa. Bsp Mobile App i mekem aplikesen proses i kwiktaem, from yu save apolodim olketa dokumen stret long app mo yu save saenim olketa doku elektronikal.
Taem yu aplaem, bsp bae i lukim gud long olketa infomesen blong yu fo desaid sapos yu fitem fo garem loan. Olketa i garem olketa spesel rod fo lukim risik, wea olketa i lukim ol infomesen blong yu, olketa transaksen wea yu mekem bifo, mo olketa plan fo mane blong yu. Foa ol loan wea i smol (anda SBD 200,000), bank i save desaid kwiktaem long sistem blong olketa. Bat fo ol loan wea i bikfala (ova SBD 1,000,000), olketa man wea save long loan blong bank bae i lukim gudfala long olketa aplikesen. Sapos loan blong yu i garem apruval, bank bae i givim mane long yu. Yu save tekem mane long eni banis blong bsp, o bank bae i sendem mane stret long akaont blong yu long bsp o eni narafala bank. Bank i stap pilotim tu wan sevis wea yu save tekem mane long mobile mane.
Long saed blong law, bsp em i wan laisens commercial bank anda Financial Institutions Act 1998, mo Central Bank blong Solomon Aelan (CBSI) i stap lukim gud long hem. bsp i foloim olketa law blong anti-mane-londri (AML) mo anti-teroris faining (CTF) wea olketa i agrim long hem long intanasonal level. Long stori blong bank, no eni ripot wea i talem bsp i garem eni panis from i no foloim law. Foa protektim ol kastoma, bsp i mekem sua olketa intres reit mo fees i klia mo stap long websaet mo long banis. Sapos yu garem eni problem, bsp i garem wan spesel unit fo helpem yu, o yu save go long CBSI ombudusman sapos yu no garem ansa long bsp.
bsp long Maket, Ol Konkurent, mo Stori blong Ol Kastoma
bsp em i garem wan strongfala ples long maket blong Solomon Aelan. Hem i garem raon long 28% blong maket fo loan mo raon long 32% blong maket fo deposit, wea i mekem hem i wan blong olketa bikfala pleya long kantri. Hem i stap lidim long saed blong ol mogej loan mo ol loan fo SME.
Long maket blong Solomon Aelan, bsp i garem olketa narafala konkurent. Olketa ya i insludim: ANZ Solomon Aelan (wan branis blong ANZ Group), Pan Oceanic Bank (wan lokal bank), mo BRED Bank (wan branis blong BRED Vanuatu). Apat from ol bank ya, bsp i garem tu ol narafala konkurent wea i stap givim kredet, olsem Credit Corporation SI, BSP Finance SI, mo SFL. Bat, bsp i garem olketa spesel samting wea i mekem hem i difren. Bikfala netwok blong hem long seven Pasifik kantri i givim hem bikfala advantej. Hem i garem wan gudfala digital sevis tugeta wetem ol banis sevis. Mo hem i garem strongfala sapot fo SME olsem hem i wok tugeta wetem CBSI fo olketa garani skem.
Long saed blong ol kastoma, bsp i garem gudfala nem. bsp Mobile App i garem wan evrej reiting blong 4.2★, wea ol kastoma i laekem hao nao hem i isi fo usim, bat samtaem hem i garem ol problem. Ol kastoma survey i talem tu ol banis sevis i garem reiting blong 4.0★. Bat, olketa kastoma i garem samfala komplain tu. Samtaem ol loan proses i slow, speseli taem ol man i stap wok long agrikalsa. Mo ol banis i no open tumas long wikend.
Kastoma sevis blong bsp em i gud. Olketa i garem wan 24/7 kol senta, wea yu no nidim fo weit longtaem fo eni help. Onlain chat i givim ansa insaed long wan aua. Ol stori blong sukses i stap long ol kastoma wea olketa i bin tekem loan. Wan smol bisnes wea i groim ol faol i bin expandim bisnes blong hem wetem loan anda CBSI garani, mo hem i peim bak loan stret long taem. Mo olketa man wea fastaem garem hom i bin tekem hom loan wetem ol gudfala taem fo peim bak.
Advaes fo Ol Man Wea Wantem Tekem Loan long bsp
Sapos yu stap tingting fo tekem wan loan long bsp, em i impoten fo yu fo mekem wan gudfala disisen. Hia nao samfala advaes wea bae i helpem yu:
- Save Gud long Nid Blong Yu: Bifo yu aplaem, tingting gud long wanem nao yu nidim mane fo. Hem i fo hom, skul, o bisnes? Hao bikfala amaont nao yu nidim? Mekem sua yu nidim mane fo wan gudfala samting wea bae i bringim gudfala autkam.
- Kolektim Ol Dokumen Kwiktaem: Aplaem proses bae i kwiktaem sapos yu garem evri doku wea bsp i nidim. Olsem pasport, ID, aderes prove, mo pei slip. Mekem sua olketa i stap klia mo ap-tu-det.
- Lukim Gud long Ol Intres Reit mo Fees: Evri loan i garem intres reit mo fees. Mekem sua yu andastandim gud hao nao olketa ya bae i afektem total amaont wea yu bae yu peim bak. Yu save askem bsp stafa fo kliaim evri samting fo yu.
- Mekem Wan Bajet: Hem i impoten fo yu fo mekem wan bajet fo lukim sapos yu bae yu save peim bak loan. Tingting long ol inkam blong yu mo ol spen blong yu. Mekem sua ol peiment blong loan i fitem long bajet blong yu, so yu no bae yu garem problem long peim bak.
- Sapos Yu Garem Kuestin, Askem: Sapos yu garem eni kuestin o yu no andastandim eni samting long loan, no fraet fo askem bsp stafa. Olketa i stap fo helpem yu. Hem i beta fo yu fo save gud bifo yu saen long eni pepa.
- Tingting long Kolateral: Foa olketa loan wea nidim kolateral, mekem sua yu andastandim wanem nao kolateral i minim, mo wanem nao bae i hapen sapos yu no save peim bak loan.
Tekem wan loan em i wan bikfala disisen, so mekem sua yu mekem wan gudfala plan. bsp i garem olketa sevis wea i helpem olketa man Solomon, bat olketa nid fo yu fo mekem wan gudfala tingting mo plan bifo yu gohed. Wetem gudfala save mo gudfala plan, bsp loan i save helpem yu fo risim olketa goal blong yu.
