Kompani Bilong Fani Bilong Olgeta Pipol long Solomon Ailans (SINPF): Wanem Em mo Stori Bilong Em
Fani Bilong Olgeta Pipol long Solomon Ailans (o SINPF olsem ol pipol save kolem), em wanfala bikfala ofis wea i stap bilong olgeta pipol bilong Solomon Ailans. Ol pipol long kantri wea wok insaed long gavman o ol kompeni wea ol wok long em, olgeta save putum mani bilong ol long SINPF bilong taem ol bai go olfala finish mo retire. SINPF i stat wok long Fes Oktoba 1976, mo em stap aninit long Loa bilong Fani Bilong Olgeta Pipol bilong 1973.
Hia long Honiara, SINPF i gat bikfala ofis bilong em, mo Minista bilong Mani em i lukluk gud long wok bilong em. Wok bilong SINPF em long mekem ol mani bilong ol memba i kamap biga moa, mo mekem sure ol sevings bilong ol i stap sef. Long ol yia ia, SINPF i no lukluk long sevings nomoa, bat ol i statim tu ol kainkain wok wea i helpim ol memba bilong ol long gat akses long mani taem ol nidim. Wanfala gudfala program em i statim em i kolim YouSave, wea em i helpim ol man mo mere wea ol wok long maket, ol farmer, o ol taksi draiva wea ol no stap long formal wok bilong gavman, bilong save putum sevings bilong ol tu.
Long 2019, SINPF i statim wanfala kompeni bilong em stret wea ol i kolem Solomon Finans Kompani (SFL). Wok bilong SFL em long givim ol loan long ol memba bilong SINPF, iusim ol sevings bilong ol memba olsem bakap. Dispela i soim haomas SINPF i traem long givim gudfala wok long ol memba bilong em, no nomoa long sevings bat tu long ol loan wea save helpim ol long ol laef bilong ol.
Ol Kain Loan mo Ol Wok Wea SINPF i Givim Long Ol Memba Bilong Em
SINPF, tru long Solomon Finans Kompani (SFL) mo ol digital program bilong em, i givim ol kainkain loan wea i fitim ol nid bilong ol pipol. Hemia ol kain loan wea yu save faendim:
- Smolsmol Loan (MobileFund): Dispela em wanfala niu kain loan wea ol givim long ol memba bilong YouSave. Em i ol smolsmol loan wea yu save tekem kwiktaem tru long mobile fon bilong yu. Mani bilong dispela loan em i stat long SBD 50 kasem SBD 2,000. Taim bilong peim bak em i kasem 90 dei. Wok bilong dispela loan em i helpim ol pipol long ol smolsmol nid bilong ol olsem bai mani bilong karem soltaem samting, o bai yu save peim wanfala urgent samting. Dispela loan em i no nidim eni bakap samting from ol i iusim ol hisitori bilong sevings bilong yu long YouSave program bilong sidaonim haomas loan ol save givim yu.
- Loan Bilong Wanwan Man (Personal Loans): Ol dispela loan ol i givim long ol memba wea ol nidim bikfala mani bilong olgeta wanwan nid bilong ol, olsem long mekem wanfala haus i kamap gud, o long karem samting wea ol nidim. Yu save karem kasem SBD 100,000. Taim bilong peim bak em i kasem 3 yia. Intres reit em i 9.5% long wanfala yia. Ol i save karem wanfala fis bilong SBD 500 long taem yu aplaem loan. Dispela loan em i gat bakap long sevings bilong yu long SINPF.
- Loan Bilong Skul (Education Loans): Dispela loan em i stap bilong helpim ol memba wea ol nidim mani bilong peim skul fis bilong ol pikinini bilong ol, o bilong olgeta wanwan. Yu save karem kasem SBD 20,000. Taim bilong peim bak em i wan yia. Intres reit em i 9.5% long wanfala yia. Ol i save karem wanfala fis bilong SBD 500 long taem yu aplaem loan. Sapos yu no peim bak gud, ol save karem nara fis bilong 2%. Dispela loan tu em i gat bakap long sevings bilong yu long SINPF.
- Plan Bilong Loan Bilong Haus mo Bisnis: SINPF i gat plan long mekem ol loan bilong haus mo bilong bisnis long ol memba bilong em. Dispela em i ol samting wea bai kamap bihaen, sapos ol i karem laisens bilong em long Sentral Bang bilong Solomon Ailans.
Ol intres reit bilong ol loan bilong wanwan man mo loan bilong skul em i 9.5% long wanfala yia, wea em i wanfala gudfala reit kompea witim ol nara ples. Ol fis bilong aplaem ol dispela bikfala loan em i SBD 500. Bilong smolsmol loan (MobileFund), ol i no givim aot intres reit long pablik, bat ol i tok olsem em i "lofala" (low-cost) long iusim.
Haomas Yu Aplaem, Ol Samting Wea Ol Nidim, mo Ol Fashen Long Iusim Fon
SINPF i mekem i isi long ol memba bilong em bilong aplaem ol loan mo managem ol sevings bilong ol. Hemia ol wea yu save iusim:
Aplaem Ol Loan
- Mobile USSD (*673#): Bilong ol memba bilong YouSave mo bilong tekem MobileFund loan, yu save daelim *673# long mobile fon bilong yu. Dispela em i wanfala kwikfala mo isi wei long aplaem loan long eni ples long kantri, sapos yu gat mobile sevis.
- Fisikal Long Ol Ofis Bilong SINPF: Yu save go stret long ol ofis bilong SINPF long Honiara, Auki, mo Gizo bilong aplaem ol bikfala loan olsem loan bilong wanwan man o loan bilong skul. Ol ofisa bilong SINPF bai helpim yu long ol pepa wok.
- Online Portal: Yu save go long websait bilong SINPF (sinpfportal.com) bilong chekim sevings bilong yu, lukim steitmen, mo mekem ol kuestin. Bat, aplaem loan i no direct long portal ia, yu mas iusim USSD o go long ofis.
Ol Samting Wea Ol Nidim (KYC) mo Haomas Ol Lukim Yu Long Loan
Bilong aplaem eni loan, SINPF bai nidim bilong save gud long yu. Sapos yu wok long gavman o ol kompeni, ol save iusim ol infomesen bilong yu wea yu givim long wok ples bilong yu. Bilong ol YouSave memba long informal sekta, ol i nidim ID bilong yu mo mobile namba bilong yu bilong register mo bilong iusim MobileFund.
Bilong ol smolsmol loan (MobileFund), SINPF i iusim wanfala smatsmat kompiuta program (AI/ML algoritim) wea i lukluk long hisitori bilong sevings bilong yu long YouSave. Dispela program i save sisi haomas yu save peim bak mo haomas loan ol save givim yu. Bilong ol bikfala loan, ol komiti bilong loan bai lukluk long haomas sevings yu gat mo haomas mani yu save karem long wanwan mun bilong peim bak loan.
Haomas Ol Givim Aot Mani mo Haomas Yu Peim Bak
- Mobile Mani: Bilong ol MobileFund loan, ol save sendem mani stret long M-SELEN akaun bilong yu tru long Our Telekom ejen.
- Bang Transfer: Bilong ol bikfala loan, ol save sendem mani long bang akaun bilong yu.
- Kesh: Yu save karem kesh tu long ofis bilong SINPF.
Peim bak ol MobileFund loan em i isi tu, from ol save karem aot mani stret from ol sevings bilong yu long YouSave. Bilong ol bikfala loan, ol i save sendem SMS mo kolem yu bilong mekem yu tingim bilong peim bak.
Gavman i Lukim, Ol Pipol Sei Wanem, mo Ol Nara Kompani
SINPF em wanfala bikfala insitut wea i stap aninit long lo mo ol gavman rul. Sentral Bang bilong Solomon Ailans (CBSI) i lukluk gud long ol wok bilong SINPF, speseli long ol niu kain loan mo investment. Ol MobileFund loan em i stap long wanfala FinTech Regulatory Sandbox bilong CBSI, wea ol i traem ol niu teknoloji bilong mani aninit long gavman bilong mekem sure ol i sef mo wok gud.
Ol Pipol Sei Wanem
Ol pipol wea ol iusim MobileFund loan ol i sei olsem em i wanfala gudfala wok from em i kwiktaem mo yu save tekem mani kwik taem yu nidim. Speseli long ol rual area wea ol bang i no stap klosap, dispela digital loan i helpim bikfala. Bat, samfala pipol i sei olsem mani bilong MobileFund em i smol tumas long ol bikfala nid. Samfala tu i tok olsem iusim USSD long ol olfala fon i save stap problem.
SINPF i gat wanfala ofis bilong helpim ol memba bilong em. Ol pipol i sei olsem ol i save givim gudfala sevis mo ol save ansarim ol kuestin mo helpim ol pipol kwiktaem.
Kompea Wit Laen Bilong Ol Nara Kompani
Long maket bilong loan long Solomon Ailans, SINPF i stap wanfala strongfala pleya. Hemia haomas em i luk olsem kompea witim ol nara kompeni:
- Ol Bang: Ol bang long Solomon Ailans ol i save givim ol loan, bat ol i save nidim bikfala bakap samting (kolateral) mo ol i no save reachim ol rual area gud. Ol intres reit bilong ol bang i save hae tu samtaem.
- Maikrofinans Kompeni: Ol maikrofinans kompeni ol i save givim ol smolsmol loan tu, bat ol i save karem hae intres reit, mo ol wok bilong ol i stap long pepa.
- Advantage Bilong SINPF: SINPF i gat bikfala advantage from em i gat bikfala namba bilong memba, mo em iusim ol sevings bilong ol memba olsem bakap. MobileFund iusim USSD teknoloji wea em i reachim ol ples wea internet i no strong, mo em iusim hisitori bilong sevings bilong ol pipol bilong skoring loan. Dispela i mekem SINPF i wanfala gudfala mo isi option long ol pipol.
SINPF i gohed mo traem long mekem ol wok bilong em i kamap biga moa, olsem long mekem YouSave i reachim olgeta pipol long kantri mo long mekem ol MobileFund loan i kamap biga moa mani mo longtaem. Ol i traem tu long karem laisens bilong investment bang bilong givim ol loan bilong haus mo bisnis.
Wanem Yu Mas Tingim Bifo Yu Tekem Loan long SINPF
Sapos yu plan long tekem loan long SINPF, em i impoten bilong yu save gud long olgeta samting. Hemia samfala gudfala toktok bilong helpim yu:
Feswan, save gud wanem kain loan yu nidim. Yu nidim smolsmol mani bilong kwiktaem nid (MobileFund)? O yu nidim bikfala mani bilong peim skul fis o bilong yu wanwan (Personal o Education Loan)? Mekem sure yu chusim loan wea i fitim stret nid bilong yu.
Nekis, skim gud intres reit, ol fis, mo ol kondisen. Ol loan bilong wanwan man mo loan bilong skul i gat 9.5% intres reit mo SBD 500 fis. Sapos yu no peim Education Loan gud, yu save karem nara 2% fis. Bilong MobileFund, ol i tok em i lofala, bat gudfala bilong yu save gud haomas ol karem. Mekem sure yu save haomas mani yu bai peim bak olgeta.
Lukim gud haomas yu save peim bak. Bifo yu tekem loan, tingim gud long haomas mani yu save karem long wanwan mun o wik, mo haomas yu save sevim bilong peim loan. Yu no laekem tekem loan wea yu no save peim bak gud, from dispela save mekem yu go insaed long problem. Bilong ol YouSave memba, remember olsem ol save karem aot mani stret from sevings bilong yu, so plan gud.
MobileFund em i bilong smolsmol nid nomoa. Remember olsem MobileFund em i bilong ol smolsmol mo kwiktaem nid. Yu no save iusim bilong ol bikfala samting olsem bilong bildim haus o statim bikfala bisnis. Bilong ol kain samting ia, yu mas lukluk long ol Personal Loan o ol nara loan wea SINPF i gat plan long mekem.
Kontaktem SINPF sapos yu gat eni kuestin. Sapos yu gat eni kuestin o yu no klia long eni samting, gutfala bilong yu go stret long ofis bilong SINPF o kolem ol. Ol ofisa bilong ol bai helpim yu mo givim yu ol infomesen wea yu nidim. Mekem sure yu save olgeta samting bifo yu saenim eni pepa.
SINPF em i wanfala gudfala ples bilong ol pipol bilong Solomon Ailans bilong sev mo bilong tekem loan. Sapos yu iusim gud ol wok bilong em mo yu save gud long olgeta kondisen, em bai helpim yu bikfala long ol laef bilong yu.
