Wanem Hem mobileFund: Olketa Stori Bilong Hem Long Solomon Aelans
mobileFund, wea pipol save kolem tu olsem 'instant loan', hem wanfala narafala kain lon wea iumi save tekem kwik long dijital wei long Solomon Aelans. Hem kamap long manis Mach, yia 2024, olsem wanfala bigfala step wea SINPF (Solomon Islands National Provident Fund) hem tekem, wetem Solomon Finance Limited (SFL) wea hem loning ami bilong SINPF. Disfala lon hem kamap tru long wanfala bigfala wok tugeta wetem olketa parna olsem Yabx (wanfala kampani long India wea duim AI credit scoring), UNCDF, wetem Gavman bilong Australia. Olketa evriwan tingting gud for givim akeses long smol lon long olketa pipol long kantri wea no save garem bigfala akeses long bank o narawan finensel sevis.
Disfala mobileFund lon hem spesol bikos hem targetim olketa YouSave memba bilong SINPF – olketa wea wok long informal sekta o olketa wea wok self bilong olketa. Hem helpem olketa wea no save garem wanfala 'kredit histri' (histri bilong peim bak lon) long bank, olsem olketa narafala bank save lukim. Tru long AI (Artifisal Intelijens) bilong Yabx, disfala sevis hem save iusim olketa savea bilong YouSave memba for mekem disisen kwiktaem, so pipol save garem aproval kwiktaem tru long USSD (*673#) code, wetem mani hem save go stret long M-Selen akaun bilong olketa. Disfala wei hem helpem pipol for garem mani kwik for olketa nidim long smol taem, olsem emarjensi o for helpem smol bisnis bilong olketa.
Solomon Finance Limited (SFL) wea hem 100% bilong SINPF, hem kamap long yia 2023 for spesol duim disfala kain lon. SFL hem stap nau long FinTech Regulatory Sandbox bilong Central Bank of Solomon Islands (CBSI) from Mach 2024. Disfala Sandbox hem wanfala ples wea olketa kampani olsem SFL save traem olketa narafala kain finensel sevis, wea olketa save lukim gudfala evrithing bifor olketa save givim ful laesens. Disfala soseti bilong SINPF from yia 1976, wea Gavman hem fuli ona bilong hem, hem stap strong olsem wanfala main sapota for disfala narafala sevis.
Olketa Kain Lon, Intres, Fii, Wetem Olketa Rul Bilong mobileFund
mobileFund hem givim wanfala kain lon nomoa long taem nau – olketa nano-lon. Disfala kain lon hem spesol for olketa nidim long emarjensi, olsem for hospital, or for helpem smol bisnis bilong iu for kamap. Olketa save givim smol mani, wea start from SBD 50 (hem olsem US $6) kasem SBD 2,000 (hem olsem US $242). Disfala mani hem for helpem olketa pipol wea no save garem kolateral (samting wea iu save putum daun olsem sekyuriti) for garem lon.
Taem iu tekem lon, iu mas peim bak long ap long 90 dei (hemi samting olsem tri manis). Olketa intres reit hem flat wan, wea start from 0.5% kasem 1.5% long wanwan manis. Disfala hem olsem 6% kasem 18% long wanfala yia (APR). Naoia disfala reit hem stap long pilot steij, so hem save jenis lelebet olsem olketa lukim wanem kain riski pipol hem garem. Wanfala gudfala samting hem, sapos iu peim bak lon kwiktaem bifor taem, hem save helpem for apim limit bilong lon wea iu save tekem long nekis taem.
Long saed bilong olketa fii, mobileFund hem no save tekem narafala fii for prosesim lon o for statim. Olketa smol kost bilong sevis hem stap insaed long intres nomoa. Bat, olketa ripot hem sei sapos iu leet for peim bak, bae iu save peim wanfala leet fii bilong SBD 10 long wanwan dei wea lon bilong iu hem ova taem. No nidim kolateral for disfala lon bikos Yabx AI sistem hem save iusim olketa savea bilong iu long YouSave akaun for mekem disisen bilong lon. Disfala hem wanfala bigfala help for olketa wea no save garem narafala sekyuriti samting.
Wei Bilong Apply, Olketa Nidim, Wetem Hao Iu Save Iusim mobileFund
Wei bilong apply lon long mobileFund hem kwiktaem moa. Iu save dial *673# long eni mobile fon bilong iu. No nidim for daunlodim eni ap (application) long fon bilong iu. Evrithing hem wok tru long USSD code, wea hem minim se eni pipol wetem mobile fon save akeses long hem, long eni ples wea mobile netwok hem garem kavarej.
For apply, iu mas wanfala memba bilong SINPF YouSave. Taem iu dial *673#, sistem bae askem iu for putum nem bilong iu, SINPF memba namba, fon namba bilong iu, wetem ID bilong iu (olsem paspot o draiva laesens). Sistem bae kros-chek kwiktaem olketa savea bilong iu wetem rekod bilong SINPF wetem mobile netwok for konfim. Disfala Yabx AI platfom bae lukim olketa savea bilong iu long YouSave, olsem hao iu save mekem kontribusen, olketa paten bilong transakson, wetem hao iu save peim bak olketa mani bifor for givim wanfala kredit sko (namba wea showim hao iu gud for peim bak lon) wetem limit bilong lon long tru taem.
Sapos lon bilong iu hem aproved, mani bae go stret kwiktaem long M-Selen mobile mani akaun bilong iu. M-Selen hem wanfala sevis bilong Our Telekom, wea iu save iusim for sendem mani, risivim mani, o iusim long olketa M-Selen ejen for tekem aut mani long hand. Disfala M-Selen ejen netwok hem garem moa long 250 ejen long kantri, so iu save garem akeses long mani bilong iu long planti ples. Taem taem for peim bak lon hem reah, mani bae otomatikali katem aut from M-Selen walet bilong iu. mobileFund hem save sendem SMS for rimaendem iu for olketa lon wea kam for du, o olketa wea ova taem. Sapos pipol hem default long pei bak ova long seven dei, SFL ejen bae kolim olketa for fologapim.
Long saed bilong kastoma ekspiriens, no garem wanfala spesol ap for mobileFund, so no garem reiting long ap sto. Bat, olketa pipol wea traem long pilot steij hem givim gudfala feebak long hao hem kwiktaem moa wetem isi for iusim. Samfala taem, olketa save garem problem wetem USSD sesen hem droop long olketa ples wea netwok hem weak. Samfala pipol tu wea wok long informal sekta mebi garem problem long ID verifikesen sapos olketa savea bilong olketa hem no rejaesta gud. For help, iu save kolim hotlain o go long SINPF Plaza long Honiara, o long SFL bransis. Iu save tu sendem inkwairi long website bilong SINPF.
Loa Wetem Rul, Posison Long Maket, Wetem Olketa Kompetita
mobileFund hem wok aninit long Regulatory Sandbox bilong Central Bank of Solomon Islands (CBSI) for FinTech, wea start long Mach 2024. Disfala Sandbox hem wanfala narafala program bilong CBSI for helpem olketa narafala kain finensel inovesen. SINPF, wea SFL hem wanffala paat bilong hem, hem stap aninit long rul bilong CBSI tu, tru long National Provident Fund Act. SFL hem stap nau for garem ful laesens afta hem finisim disfala Sandbox program. Long taem nau, no garem eni rekod bilong fain o eni aksen wea olketa tekem long mobileFund.
For protektim kastoma, mobileFund hem showim olketa rul wetem tams bilong lon long USSD bifor iu apply, so evrithing hem klia. No garem haedem fii. Olketa kastoma bae risivim SMS lon agrimen. Sapos garem eni problem o dispyut, iu save kontatkim SINPF o kolim CBSI kastoma hotlain. Olketa samting hia hem for mekem sua se pipol hem garem transparensi moa long lon wea olketa tekem.
Long maket bilong Solomon Aelans, mobileFund hem fastaem wanfala wea kamap wetem nano-lon long dijital wei. Disfala hem givim hem wanfala spesol posison. Olketa narawan kampani wea kompetim hem long smol lon maket hem olsem SPBD Microfinance, wea hem givim planti lon tu. Olketa bigfala bank olsem ANZ wetem BSP hem garem smol mikro-lon sevis, bat olketa hem no save givim kwiktaem olsem mobileFund.mobileFund hem narafala bikos hem givim kwiktaem disisen, no nidim kolateral, iusim USSD, garem AI for disisen, wetem hem insaed long SINPF sevis.
Planing for kamap biga: mobileFund hem planing for givim lon long olketa narafala SINPF memba tu wea no YouSave memba, wetem olketa smol bisnis (SME) long midel bilong 2026. Olketa tu save lukluk for iusim M-Selen for peim peiment long olketa sto. mobileFund hem garem bigfala sapot from olketa bigfala parna olsem UNCDF wetem Gavman bilong Australia wea givim mani wetem teknikal sapot. Yabx hem sapotim wetem AI scoring, wetem Our Telekom wetem M-Selen bilong hem.
Advaes Bilong Wanfala Ekspert Long mobileFund
Olsem wanfala finensel ekspert, mi garem samfala advaes for olketa wea planim for tekem lon from mobileFund:
- Tingim Gud Sapos Iu Save Peim Bak: Bifo iu tekem lon, mekem sua se iu save peim bak long taem. Hem impoten for no tekem lon wea hem moa long mani wea iu save winim. Tingim gud long eni narafala ekspenses bilong iu tu.
- Andastandim Olketa Rul Wetem Fii: Redim gud olketa tams wetem kondisen wea hem showim long USSD. Iu mas save wanem kain intres iu bae peim, wetem eni leet fii sapos iu leet for peim. Sapos iu no klia, askem help long SINPF o SFL.
- Iusim Lon For Wanfala Gudfala Samting: MobileFund hem spesol for emarjensi o for helpem smol bisnis. Traem for iusim mani for wanfala samting wea bae helpem iu for winim mani o for solven wanfala bigfala problem, no for olketa samting wea iu no nidim tumas.
- Peim Bak Kwiktaem: Taem iu peim bak lon bilong iu long taem, hem save bildim wanfala gudfala reputesen (rekod) long mobileFund. Disfala bae helpem iu for garem biga lon limit long nekis taem sapos iu nidim. Hem save helpem tu for mekem gudfala finensel histri bilong iu.
- Klia Long Hao USSD Hem Wok: Bikos disfala sevis hem wok tru long USSD, mekem sua se iu klia long hao for iusim. Long olketa ples wea netwok hem weak, iu mebi garem problem, so traem for iusim long ples wea netwok hem strong.
- Kontatkim Olketa Sapos Garem Problem: Sapos iu garem eni problem wetem lon bilong iu, o iu no save peim bak long taem, kontatkim SINPF o SFL kwiktaem. Olketa save helpem iu for faendem wanfala solusen. No haedem problem bilong iu.
mobileFund hem wanfala bigfala inovesen long finensel sekta long Solomon Aelans, spesol for olketa wea wok long informal sekta. Hem garem wanfala potensol for helpem planti pipol, bat olsem eni finensel prodak, hem impoten for iusim long wanfala risponsibol wei.
