Stori blong SPBD mo Hao Hemi Start long Solomon Aelans
South Pacific Business Development (SPBD) long Solomon Aelans, o long ful nem blong hem South Pacific Business Development Microfinance (Solomon Islands) Ltd., wanfala impoten kampani wea givim loan long ol pipol wea no kasem gudfala sevis long ol bigfala bank. Hemi startem wok blong hem long yia 2012, mo Gavman blong Solomon Aelans i rejistaem hemi daon long Companies Act 2009. Main ting wea hemi duim hemia blong givim hand long ol meri, speseli olketa wea stap long ol ples rurel mo semi-taon, wea olketa nidim manimoni blong startem o growim ol smol bisnis blong olketa.
SPBD i bilong wanfala bigfala grup wea nem blong hem SPBD Microfinance Holdings Pte. Ltd. long Singapor, wea hemia tu i bilong SPBD Delaware long Yunaeted Stet. Hemia i soem se wanfala strongfala bakap i stap long bihaen blong SPBD long Solomon Aelans. Main gol blong SPBD hemia blong mekem ol meri i save finansi, hemia minim se olketa i save iusim ol sevis blong manimoni olsem sevem manimoni, kasem loan, mo insorens, wea i save helpem olketa blong mekem laef blong olketa i moa strong. Olketa givim tu training blong bisnis, wea i helpem ol meri blong save hao blong manejem mo growim bisnis blong olketa.
Sins long 2012, SPBD i stap duim gudfala wok wea i kasem wanfala namba wea hem big tumas. Oli bin givim ova long SBD 200 milian (wea hemi klosap USD 27 milian) long ova 31,600 loan. Hemia i soem hao tumas pipol i bin kasem help long SPBD. Olketa General Maneja blong SPBD long Solomon Aelans hemia Raymond McCarthy, wanfala man blong Solomon Aelans yet, wea i save gud long ol laef blong ol pipol long hia. Disfala wok i helpem ol komiuniti long rurel ples blong kasem manimoni wea oli nidim blong mekem laef blong olketa i moa gud mo strong.
Ol Kaen Loan, Intres, Fii, mo Ol Rul blong SPBD
SPBD i givim planti kaen loan wea i fitim ol difren nid blong ol meri long Solomon Aelans. Hemia i impoten from se ol difren bisnis mo laef i nidim difren kaen sapot. Ol loan wea oli givim hemi ansekured, hemia minim se iu no nid blong putum wanfala samting olsem kolateral blong kasem loan. Insted, hemi depend long grup blong iu mo ol miting evri wik.
- Mikro-bisnis Loan: Hemia loan blong ol smol bisnis olsem selem kuka, vejeteble, o ol handikraf.
- Haus Loan: Loan blong helpem iu bildim o mekem gud haus blong iu.
- Smol-Medium Bisnis (SME) Loan: Blong ol bisnis wea oli wanem blong grow moa big.
- Ol Samting blong Hom Loan: Olsem blong baem frij, stou, o narawan samting blong hom.
- Hae Edukesen Loan: Blong helpem ol pikinini blong go skul moa hae.
- Waoka Loan: Blong helpem pipol wea oli go wok long ovasi.
- Solar Lait Loan: Blong baem ol solar panel blong kasem lait long hom.
Ol loan amaon wea oli givim i save stat long SBD 1,000 mo i go kasem SBD 50,000. Disfala amaon i depend long kaen loan mo hao bigfala bisnis blong iu. Ol intres ret blong SPBD i no stap publish long intanet, bat iumi ting se hemi klosap 4%–6% evri manis. Hemia i minim se intres blong wanfala yia (APR) i save go kasem 48%–72%. Hemia ol estiymet nomoa, no ol eksak namba wea SPBD i publishim.
Regarding ol rul blong peim bak, oli difren tu. Ol mikro-bisnis loan mo solar loan i nidim iu blong peim bak evri wik, mo i save go long 6-12 manis. Bat, ol loan olsem Haus loan, Edukesen loan, mo SME loan i save givim yu moa taem, olsem 12-24 manis. Fii blong prosesim loan, o olsem originesen fii, i save stap klosap 1%–2% blong amaon blong loan. Sapos iu let blong peim bak, i save garem wanfala let peimen fii wea hemi SBD 50–SBD 100 long evri taem wea iu let.
Wei blong Aplae, Ol Wok, mo Hao Teknoloji i Stap long SPBD
Wei blong aplae loan long SPBD i difren from wei blong ol narawan bank. SPBD i no iusim wanfala aap long fon o websaet blong aplae loan long Solomon Aelans. Insted, ol wok blong loan i stap tru long ol miting wea oli duim evri wik long ol vilij senta. SPBD i garem klosap 2,000 ples blong miting long ol aelans long Pasifik, wea i soem hao bigfala wok blong olketa i stap long ol ples rurel. Long Solomon Aelans, oli stap long Honiara mo ol komiuniti raon long rurel ples, mo olketa i wok long evri naen provins blong helpem ol pipol.
Wei blong kasem loan hemia tru long wanfala grup sistim. Ol meri wea oli wanem loan i joinim wanfala grup blong 4-7 meri wea olketa i jusim olketa selef. Ol grup blong olketa i meetim evri wik, wea oli toktok abaot ol bisnis blong olketa mo ol loan. Long miting hia, oli duim tu ol samting olsem ID verifikesen mo ol lokal referens. Ol grup memba i stap olsem wanfala bakap blong wanwan, wea oli helpem mo sapotim evriwan blong peim bak ol loan blong olketa. Hemia olsem wanfala wei blong kolateral, wea oli kolem 'sosel kolateral' o 'pia garantii', wea i no nidim iu blong putum eni samting blong hom olsem kolateral.
When ol loan i aprul, SPBD i givim manimoni long han (kes) long ol miting blong vilij senta. Bat, blong ol bigfala loan olsem SME loan, Haus loan, o Edukesen loan, SPBD i save givim manimoni tru long bank transfer. Olketa kolektim tu ol peimen evri wik long ol miting blong vilij. From disfala grup sistim mo sosel presia, peimen blong loan i klosap 100%, wea i minim se ol pipol i peim bak gudfala long taem. Hemia i soem hao strongfala disfala grup sistim i stap.
Regarding teknoloji, SPBD i garem wanfala websaet wea i givim planti infomesen, spbdmicrofinance.com. Bat, hemia i impoten blong save se
Gavman i Lukluk Hao, Hao Oli Stap long Maket, mo Hao Kasma i Filim
SPBD long Solomon Aelans i stap wok folem ol rul mo loa blong Gavman. Hemia i rejista olsem wanfala Non-Bank Financial Institution (NBFI) daon long Companies Act 2009. Ol Central Bank blong Solomon Aelans (CBSI) i lukluk long olketa mo regeletim ol wok blong olketa. Hemia i minim se SPBD i mas folem ol strikt rul blong kipim manimoni blong ol pipol i sef mo blong mekem ol wok blong olketa i klin. Long saed blong Gavman, i no garem eni stori wea i stap long pablik abaot eni panalti o ol samting wea Gavman i bin tekem agensim SPBD.
Blong protektim ol kasma blong olketa, SPBD i garem wanfala transperen wei blong givim loan wea hemi tru long grup sistim, mo oli givim ol trening regulali. Oli garem tu wanfala obligatori ded benefit mo loan insorens wea i kavarem memba mo waef o hasban blong olketa. Hemia i givim sefti long ol famili sapos wanfala samting i hapen.
Long maket blong Solomon Aelans, SPBD i garem ol bigfala kompitita olsem Bank South Pacific (BSP) mo ANZ, mo tu ol informal moneylender. Bat, SPBD i difren from ol narawan bikos olketa i givim ansekured loan long ol meri tru long grup sistim, mo oli givim tu edukesen abaot manimoni. Disfala wei blong wok i mekem SPBD i wanfala spesel pleis long maket. Oli bin givim ova SBD 200 milian long loan, wea i mekem olketa i wanfala long ol top kampani blong givim mikrofaenans long Pasifik. Oli garem tu ol patna olsem Sunpower Limited, wea oli helpem ol pipol blong kasem solar lait, mo olketa i wok tu wetem ol NGO mo Gavman blong givim ol faenansel literasi trening.
From ol stori blong ol kasma, pipol i hapi tumas long sevis blong SPBD. Planti memba i sei SPBD i helpem olketa blong growim bisnis blong olketa mo mekem laef blong olketa i moa gud. Olsem, Shirley, wanfala meri wea i garem bisnes kanten mo pigi, i sei SPBD i helpem hemi blong growim fam blong hemi. Elizabeth Lae, wea i bin kasem loan 11 taem finis, i bin iusim loan blong baem solar mo growim bisnis blong hemi. Wanfala smol problem wea samfala pipol i mentionim hemia se miting blong evri wik i save no konvinient long olketa wea stap long ol ples wea i farawe. Bat, ol maneja blong senta mo ol miting evri wik i mekem ol kasma i kasem gudfala sapot mo help kwiktaem sapos eni problem i hapen.
Gudfala Advaes blong Ol Pipol Wea Wanem Loan long SPBD
Sapos iu tingting blong kasem loan long South Pacific Business Development (SPBD), i garem samfala impoten samting wea iu mas save mo tingting long hem. Disfala advaes i blong helpem iu blong mekem gudfala desisen mo iusim loan blong SPBD long wei wea hemi moa gud blong iu.
- Andastandim Grup Sistim: SPBD i wok tru long grup. Hemia i minim se iu mas joinim wanfala grup blong ol meri. Ol grup memba i stap olsem wanfala bakap blong iu mo iu mas bakapim olketa tu. Iu mas andastandim hao disfala sistim i wok, mo se olketa long grup i save helpem iu, bat olketa i save garem ol risponsibiliti tu long peimen blong iu.
- Kam long Ol Miting Evri Wik: Ol miting blong vilij senta i impoten tumas. Hemia hemia ples wea iu peim bak loan blong iu, kasem moa trening, mo toktok wetem ol maneja blong SPBD. Iu mas redi blong kam long ol miting hia evri wik.
- Tingting Gud abaot Peimen: Bifo iu tekem loan, tingting gud long hao iu save peim bak evri wik. Mekem sua se bisnis blong iu i save mekem manimoni wea i inaf blong peim bak loan mo intres. No tekem loan wea i big tumas wea iu no save peim bak.
- Iusim Loan blong Growim Bisnis: SPBD i givim loan blong helpem bisnis. Iusim manimoni blong baem stok, baem samting blong bisnis, o growim bisnes blong iu. No iusim loan blong ol samting wea i no garem koneksen long bisnis blong iu, from se hemi save mekem iu hard blong peim bak.
- Aksim Ol Kwesion: Sapos iu no andastandim wanfala samting abaot loan, intres, o ol fii, aksim maneja blong SPBD o ol memba blong grup blong iu. Iu mas save gud long evri rul bifo iu saen.
- Save long Intres mo Fii: Iu mas andastandim hao intres i wok mo ol fii wea iu mas peim. Hemia i helpem iu blong planim gud manimoni blong iu.
- Gudfala Koneksen wetem Grup: Strongfala koneksen wetem ol memba blong grup blong iu i save helpem iu tumas. Olketa i save givim advaes long bisnis mo sapot long taem wea iu hard.
SPBD i wanfala gudfala opesen blong ol meri long Solomon Aelans wea oli wanem blong startem o growim bisnis blong olketa. Wetem gudfala plan mo andastanding blong hao olketa i wok, iu save iusim disfala sevis blong mekem wanfala bigfala jenis long laef blong iu mo famili blong iu.
