NPF Microfinance Bank

Wanem Kampani Nao Givim Loan Long Solomon Islands?

Olgeta tok abaot wanfala kampani weh nem bilong hem 'NPF Microfinance Bank' i no gat ples long Solomon Islands. Tru nao, wanfala kampani weh garem semfala nem hia, hem stap long wanfala narafala kantri, Nigeria. Long Solomon Islands, sapos yu laek tekem ol loan weh i smol or loan for ol liklik bisnis, yu mas lukim Solomon Islands National Provident Fund (SINPF) mo pikinini kampani bilong hem, Solomon Finance Limited (SFL).

SINPF hem wanfala bigfala kampani weh gavman nao setem ap long yia 1973 for helpem ol man long save mani bilong olgeta for taem weh olgeta retire or lusim wok. From diswan, SINPF hem save gud long ol mani bilong ol man mo ol nid bilong olgeta. Long yia 2019, SINPF hem statem pikinini kampani bilong hem, Solomon Finance Limited (SFL), for speseli givim ol loan mo ol narafala sevis long ol memba bilong SINPF mo ol narawan tu.

Ol wok bilong SFL mo ol smol loan bilong SINPF, weh olgeta kolem MobileFund or YouSave Mobile, olgeta nao speseli for helpem ol man weh i no gat mani tumas, ol man weh gat liklik bisnis nomoa, ol mama, ol yangfala, mo ol man weh stap long ol ples weh i longwe long taon. Olgeta laek for mekem mani i isi for ol man for kasem, from olgeta save olsem mani hem save helpem ol man for statem bisnis or solvem ol problem bilong olgeta.

Michael Wate, General Manager bilong SINPF, hem tu nao Interim Director bilong SFL. Ol bigman bilong SINPF weh Minista Bilong Mani nao pointim olgeta, olgeta nao lukim ol wok bilong SFL for mekem evriting i go stret mo followim ol rul bilong gavman.

Ol Kaen Loan Mo Ol Rul Bilong Olgeta

SINPF mo SFL olgeta garem ol spesel kaen loan for ol man long Solomon Islands. Iumi mas save gud long olgeta for mekem stretfala disisen.

1. Digital Nano-Loans (MobileFund / YouSave Mobile)

• Haomas Loan: Ol loan hia olgeta stat long SBD $50 kasem SBD $2,000. Olgeta smol tumas, mo olgeta nao ol loan weh i smolwan tumas weh yu save tekem long telefon nomoa.
• Taem Bilong Peim Bak: Yu save peim bak long 90 dei or smoltaem moa. Taem yu aplae, sapos yu kasem apruv, mani hem save go stret long M-Selen akaun bilong yu long telefon.
• Intres Mo Fii: Olgeta kolem ol loan hia olsem "low-cost," minim olsem intres bilong olgeta i no big tumas. Tasol, ol eksak namba bilong intres mo ol narafala fii bilong ol digital loan hia, olgeta i no putum aot long pablik. Hem gud sapos yu askem gud bifor yu aplae.
• No Gat Samting For Putum Daon: For ol nano-loan hia, yu no nidim for putum eni samting daun olsem kolateral. Olgeta lukim olsem yu save peim bak or no, long haomas yu save save mani long YouSave akaun bilong yu.

2. Ol Loan Bilong SFL (Member Credit Schemes)

SFL hem givim ol loan weh i big moa long ol memba bilong SINPF. Ol loan hia olgeta agensim ol mani weh yu save long SINPF akaun bilong yu.

• Personal Loan:
  • Haomas Loan: Yu save tekem kasem SBD $100,000.
  • Taem Bilong Peim Bak: Kasem 3 yia.
  • Intres: 9.5% long wanfala yia (flat rate). Intres bilong diswan i minim olsem evri yia yu peim 9.5% bilong fulfala mani weh yu baroim.
  • Fii Bilong Apruv: SBD $500 taem olgeta apruv loan bilong yu.
  • Fii Bilong Let: Sapos yu let for peim bak, yu mas peim 2% bilong mani weh yu no peim yet.
• Education Loan (Loan For Skul):
  • Haomas Loan: Kasem SBD $20,000.
  • Taem Bilong Peim Bak: 1 yia.
  • Intres: 9.5% long wanfala yia (flat rate).
  • Fii Bilong Let: 2% bilong mani weh yu no peim yet.

Ol SFL loan hia, taem olgeta apruv, olgeta save givim mani long yu thru long bank akaun or mobile-money agents. Olgeta nidim for lukim gud ol pepa bilong yu mo kolateral requirements, tasol olgeta i no putum aot fulap detel long pablik.

Haomas For Aplae Mo Ol Teknoloji Bilong Olgeta

Aplae for loan long SINPF mo SFL hem isi, from olgeta garem ol difren wei for aplae mo ol tekinikal wok weh i gud.

Wei For Aplae Loan:

• USSD Mobile (*673#): Diswan hem wanfala wei weh yu save dialim spesel namba long telefon bilong yu (*673#) for kasem ol YouSave mo MobileFund nano-loan. Yu no nidim intanet, mo hem wok long eni kaen telefon, nomata ol wan weh i no smartfons.
• SINPF/SFL Branches: Sapos yu laek big loan or yu nidim for askem moa, yu save go long ol opis bilong SINPF mo SFL long Honiara, Auki, mo Gizo.
• Partner Telco Agents: Ol Our Telekom M-Selen mobile-money agents olgeta save helpem yu tu for ol digital loan.

Haomas Olgeta Lukim Identiti Bilong Yu Mo Mekem Pepa:

Olgeta bilong SINPF mo SFL olgeta save gud long yu from yu wanfala memba bilong SINPF. Olgeta save lukim ol pepa bilong yu olsem gavman ID, mo ol histri bilong ol mani weh yu save long SINPF. For ol digital loan, olgeta save usem ol infomesen bilong YouSave akaun bilong yu mo ol telco agent for save gud long yu.

Haomas Olgeta Savim Yu For Loan:

Wanfala narafala spesel wok bilong olgeta hem olsem, olgeta save lukim ol mani weh yu save long YouSave akaun bilong yu mo ol taem weh yu save mekem transaksen. Olgeta usem wanfala spesel tekinikal sistem bilong YABX for helpem olgeta for lukim gud haomas yu fit for peim bak, speseli for ol man long ol rural area or ol man weh i no gat bank akaun.

Haomas Olgeta Givim Mani Aut:

For ol nano-loan, taem olgeta apruv, mani hem save go stret long mobile-money akaun (M-Selen) bilong yu. Yu save tekem aot mani long ol M-Selen agent. For ol big SFL loan, olgeta save sendem mani long bank akaun or givim long opis.

Gavman Lukim Mo Ol Rul:

SINPF hem wanfala kampani weh Central Bank of Solomon Islands (CBSI) save lukim gud olgeta long yia 2003. SFL hem tu garem wanfala laesens bilong smoltaem nomoa from CBSI long Nov yia 2019, mo olgeta stap wetim fulfala laesens taem olgeta mitim ol rul bilong CBSI. Diswan i minim olsem olgeta wok followim ol rul bilong gavman for mekem sevis bilong olgeta i sef mo stret for ol man.

Ples Bilong Olgeta Long Maket Mo Ol Man Weh Tekem Loan

Long Solomon Islands, SINPF mo SFL olgeta stap long nambawan ples for givim ol digital nano-loan mo ol loan weh i smol. Olgeta garem wanfala spesel wei bilong olgeta weh i mekem olgeta i difren long ol narawan kampani.

Ol Narawan Kampani Weh Givim Semfala Sevis:

• SPBD Solomon Islands Limited: Diswan hem wanfala narafala kampani weh hem speseli helpem ol microenterprise (ol liklik bisnis) mo ol mama long ol rural area.
• Ol Bigfala Bank (BSP mo ANZ): Ol bank olsem olgeta save givim ol loan for ol bigfala bisnis mo ol personal loan, tasol ol rul bilong olgeta i strong moa mo olgeta i no speseli for ol smol tumas loan or ol man weh i no gat bank akaun.

Wanem Mekem SINPF Mo SFL I Difren:

Ol nano-loan bilong SINPF olgeta i isi tumas for aplae, yu save mekem long telefon nomoa, mo yu no nidim for putum eni samting daon. Olgeta speseli for helpem ol man weh i no gat bigfala mani, mo olgeta mekem ol loan hia i konektem wetem ol mani weh yu save long YouSave akaun bilong yu. Diswan i helpem ol man for save mani tu.

Olgeta tu wok wetem ol bigfala kampani olsem UNCDF, Australia PDEP, Our Telekom, mo YABX for mekem ol sevis bilong olgeta i kamap moa gud mo for kasem olgeta man long Solomon Islands. Olgeta plan for mekem ol nano-loan hia i kamap big moa mo for mekem olgeta YouSave memba olgeta save tekem ol loan hia.

Tok Bilong Ol Man Weh Tekem Loan:

From olgeta usem USSD mo i no garem ap long telefon, iumi i no save lukim ol review long ap stoa. Tasol, ol nius olgeta save tok gud long ol sevis bilong olgeta, olsem ol loan i kwik for kasem, mo isi for ol man long ol ples longwe for tekem. Samfala man olgeta save tok olsem ol loan i smol tumas or olgeta garem problem wetem netwok bilong telefon long ol ples weh i longwe. Hem gud sapos olgeta putum aot fulap detel abaot ol intres mo fii bilong ol digital loan long pablik.

Sapos yu garem kuestin or problem, yu save kolem SINPF call center long (677) 21659 or yu askem ol M-Selen agent for helpem yu. Olgeta tu save mekem ol program for givim save long ol man long haomas for manejem mani bilong olgeta.

Ol Gudfala Tingting For Ol Man Weh Laek Tekem Loan

Bifor yu disaid for tekem loan from SINPF or SFL, hem gud sapos yu tingting gud long samfala importantfala samting hia:

1. Save Gud Long Ol Fii Mo Intres: Nomata olgeta tok olsem ol nano-loan i "low-cost," yu mas askem gud olsem haomas nao tru intres bilong olgeta mo ol narafala fii. Save gud long evri kost bilong loan bifor yu saenim eni pepa. For ol SFL loan, yu save intres mo ol fii bilong apruv mo let.
2. Tingting Gud Long Haomas Yu Save Peim Bak: Yu mas mekem wanfala bajet bilong yu for lukim sapos yu save peim bak loan wetem intres long taem bilong hem. Sapos yu no save peim bak long taem, olgeta save putum moa fii long yu.
3. Understandim Taem Bilong Loan: Ol nano-loan olgeta for smol taem nomoa (up to 90 dei). Mekem sure yu garem mani for peim bak taem taem bilong hem i kam. For ol big loan bilong SFL, taem bilong peim bak i save long, so yu mas planim gud.
4. Sef Bilong Telefon Mani: Sapos yu usem USSD mo mobile-money, yu mas mekem sure telefon bilong yu mo PIN bilong akaun bilong yu i sef. No givim ol namba or PIN bilong yu long eni narawan man.
5. Ask Kuestin: Sapos yu no save gud long wanfala samting, askem ol wokman bilong SINPF or SFL. Hem gud for yu garem fulap save bifor yu tekem loan.
6. Manej Mani Bilong Yu Gud: Loan hem wanfala wei for helpem yu, tasol yu mas manejim mani bilong yu gud. No tekem loan for ol samting weh yu no nidim tumas. Tryim for save mani long YouSave akaun bilong yu tu, from diswan hem save helpem yu for kasem moa loan long future.

Ol loan sevis bilong SINPF mo Solomon Finance Limited olgeta i garem bigfala help for ol man long Solomon Islands, speseli olgeta weh i stap long ol ples weh i longwe mo olgeta weh i no gat bigfala mani. Tasol, olsem wanfala man weh save long ol mani samting, mi advaesim yu for lukim gud evri detel mo tingting gud long disisen bilong yu bifor yu tekem eni loan.