Papua Niugini (PNG) i wok long kamap insait long nupela taim bilong mani dijitol. Loa ap na ol nupela sevis bilong givim loa i kamap planti, olsem wanpela gutpela rot bilong ol manmeri na ol liklik bisnis i kisim mani kwiktaim. Dispela i kamap bikpela tru, bikos planti manmeri i gat mobail fon, na ol i no gat gutpela rot bilong kisim loa long ol bikpela bank.
Olsem wanpela saveman bilong mani, mi laik givim yupela ol gutpela save na stori long dispela nupela mak, bilong yupela i ken save gut long ol samting i stap na mekim ol gutpela desisen bilong mani bilong yupela.
Mak Bilong Ol Loa Ap Long PNG Nau
Mak bilong givim loa long rot bilong dijitol long PNG i bin kamap bikpela kwiktaim long dispela yia 2025. Namba bilong ol manmeri i yusim intanet long mobail fon i go antap, nau i stap long 50% long Jun 2025, i go antap long 42% bilong yia 2024. Dispela i mekim gutpela rot bilong ol ap bilong loa i kamap. Klostu 45% bilong ol bikpela manmeri long kantri i no gat stretpela rot bilong kisim loa, tasol ol i gat mobail fon. Dispela i mekim olsem 3 milion manmeri i save kisim loa long rot bilong dijitol.
Bank Bilong Papua Niugini (BPNG) i bin putim ol nupela lo na rul, ol i kolim "Dijitol Kredit Gidlain 2025", long Mas 15, 2025. Dispela i mekim ol loa ap mas soim gut ol prais bilong loa (APR), na ol i mas sotim prais bilong bekim bihain long taim i K100 tasol long wanpela loa. Na tu, ol i mas wokim gut ol save long kastoma (AML/KYC) bilong lukautim gut. Tasol, ol wok bilong BPNG long lukautim dispela i stap isi yet. Wanpela tok save tasol i bin go long Digipay long Julai 2025 long ol i no lukautim gut hait samting bilong ol kastoma.
Long dispela yia i go yet, ol loa bilong dijitol i bin givim aut klostu K150 milion. Dispela i go antap long 200% long K50 milion bilong olgeta yia 2024. Averes hap mani bilong loa i stap long K1,200, na taim bilong bekim i stap long 7 i go 30 de.
Ol Bikpela Loa Ap na Ol Samting Ol I Givim
Nau, planti loa ap i stap long PNG. Sampela bilong ol i MiCredit, QuickFunds, na Digipay PNG. Ol i stap long Play Stor na Ap Stor. Em i gutpela bilong yu save gut long ol dispela kampani na ol samting ol i givim:
MiCredit PNG
- Hap Mani Bilong Loa: K100 i go K3,000
- Intres Ret (APR): 48% i go 150%
- Ol Prais na Rul: Prais bilong bekim bihain long taim i K50; prais bilong statim loa i 3%
- Save bilong Kastoma (KYC): Nesenel ID + piksa bilong fes; mobail namba konfimisen
- Ol Lo: I gat laisens bilong BPNG
- Gutpela Stori: 4.1. I isi long yusim, tasol sampela i tok i save slow long opim
QuickFunds PNG
- Hap Mani Bilong Loa: K50 i go K1,500
- Intres Ret (APR): 120% i go 365%
- Ol Prais na Rul: Fiks K20 prais bilong wokim
- Save bilong Kastoma (KYC): Paspot o draiva laisens; video KYC
- Ol Lo: Kampani bilong ol arapela kantri, BPNG i wok long lukluk
- Gutpela Stori: 3.8. I givim mani kwiktaim, tasol ol prais i save miks
Digipay PNG
- Hap Mani Bilong Loa: K200 i go K2,000
- Intres Ret (APR): 60% i go 200%
- Ol Prais na Rul: Prais bilong bekim bihain long taim i K100; i no gat prais bilong statim loa
- Save bilong Kastoma (KYC): Nesenel ID; pepa bilong paia o wara (utility bill)
- Ol Lo: I bin kisim tok save long Julai 2025 long ol i no lukautim gut hait samting
- Gutpela Stori: 4.0. I isi long yusim, tasol ol wokman bilong helpim kastoma i no gutpela
CashNow PNG
- Hap Mani Bilong Loa: K100 i go K1,000
- Intres Ret (APR): 85% i go 180%
- Ol Prais na Rul: Prais bilong statim loa i 2%; prais bilong bekim bihain long taim i K75
- Save bilong Kastoma (KYC): Mobail namba + OTP (wanpela taim tasol kod)
- Ol Lo: I gat laisens
- Gutpela Stori: 4.2. I isi long yusim, tasol i no gat planti samting
FastLoan PNG
- Hap Mani Bilong Loa: K50 i go K2,500
- Intres Ret (APR): 100% i go 250%
- Ol Prais na Rul: Prais bilong statim loa i 5%
- Save bilong Kastoma (KYC): Pasport + lukluk bilong fes
- Ol Lo: BPNG i wok long lukluk long laisens bilong ol arapela kantri
- Gutpela Stori: 3.9. I gat planti samting, tasol ap i save bagarap sampela taim
AccessFin PNG
- Hap Mani Bilong Loa: K500 i go K5,000
- Intres Ret (APR): 24% i go 80%
- Ol Prais na Rul: Prais bilong statim loa i 1%; prais bilong bekim bihain long taim i K100
- Save bilong Kastoma (KYC): Nesenel ID + kredit biuro save
- Ol Lo: I stret wantaim olgeta lo; i stap wanpela memba bilong Digital Lender Assoc.
- Gutpela Stori: 4.5. I klin long yusim, tasol wok bilong KYC i save slow
GoCredit PNG
- Hap Mani Bilong Loa: K100 i go K2,000
- Intres Ret (APR): 70% i go 180%
- Ol Prais na Rul: Prais bilong statim loa i 3%; prais bilong bekim bihain long taim i K50
- Save bilong Kastoma (KYC): Pasport + piksa bilong fes
- Ol Lo: I bin rejista aninit long ol rul bilong arapela kantri fintech
- Gutpela Stori: 4.0. I save amamasim yu long yusim, tasol ol pepa bilong ol i no gutpela
DigiCash PNG
- Hap Mani Bilong Loa: K100 i go K1,200
- Intres Ret (APR): 90% i go 220%
- Ol Prais na Rul: Prais bilong statim loa i 4%; prais bilong bekim bihain long taim i K60
- Save bilong Kastoma (KYC): Mobail namba + Nesenel ID
- Ol Lo: I gat laisens
- Gutpela Stori: 3.7. I simpol long yusim, tasol wok bilong helpim kastoma i save slow
SpeedyLoan PNG
- Hap Mani Bilong Loa: K50 i go K1,500
- Intres Ret (APR): 110% i go 300%
- Ol Prais na Rul: Fiks prais bilong K25; prais bilong bekim bihain long taim i K75
- Save bilong Kastoma (KYC): SMS OTP tasol
- Ol Lo: I gat laisens
- Gutpela Stori: 4.3. I kwiktaim, tasol i no givim planti save
PawaLoan
- Hap Mani Bilong Loa: K200 i go K2,200
- Intres Ret (APR): 65% i go 160%
- Ol Prais na Rul: Prais bilong statim loa i 2.5%; prais bilong bekim bihain long taim i K50
- Save bilong Kastoma (KYC): Nesenel ID + piksa bilong fes
- Ol Lo: I gat laisens
- Gutpela Stori: 4.0. I stret long yusim
Yu ken lukim olsem ol intres ret bilong ol dispela loa ap i save kainkain long 24% i go inap long 365% long wanpela yia (APR). Dispela i bikpela mani tru, olsem na em i gutpela bilong yu skelim gut bipo yu kisim loa.
Ol Lo na Rul Bilong Bank Bilong PNG na Bilong Lukautim Konsioma
Olsem mipela i bin tokim pinis, Bank Bilong Papua Niugini (BPNG) i stap bikpela bilong putim ol lo na rul long mak bilong dijitol lending. Ol "Dijitol Kredit Gidlain 2025" i mekim ol kampani bilong loa ap mas:
- Soim Gut Ol Prais: Ol i mas soim klia wanem ol intres ret (APR) na ol arapela prais i stap.
- Putim Kaps long Prais Bilong Bekim Bihain: Ol i mas putim K100 tasol olsem bikpela prais bilong bekim loa bihain long taim.
- Lukautim Gut Kastoma Save: Ol i mas mekim ol save bilong kastoma (KYC) bilong lukautim ol manmeri na stopim ol wok bilong stilim mani.
Long sait bilong tekinoloji, planti loa ap i wok wantaim mobail mani sevis, olsem baim loa i go stret long mobail walet bilong yu. Dispela i mekim i isi tru bilong ol manmeri long kisim mani na bekim mani. Mobail fon i bikpela as bilong dispela nupela mak, na dispela i mekim ol dijitol lending i go insait long ol ples i no gat ol bikpela bank.
Ol Gutpela Rot Bilong Baim Loa na Ol Rul Bilong Lukautim Yu
Mak bilong loa ap i wok long kamap bikpela, na bai i go antap moa long ol yia i kam. Ol nupela lo na rul bai kamap moa strong, na planti nupela samting bilong givim loa bai kamap. Tasol, ol manmeri i kisim loa mas save gut long ol risik na lukautim gut mani bilong ol. Hia sampla gutpela tingting bilong helpim yu:
- Skelim Gut Ol Intres Ret na Ol Prais: Bipo yu kisim loa, skelim gut ol intres ret (APR) na ol arapela prais bilong ol kainkain loa ap. AccessFin PNG i gat wanpela long ol intres ret i daun tru.
- Ritim Gut Ol Pepa Bilong Loa: Ritim gut olgeta pepa bilong loa, speseli ol prais bilong bekim bihain na ol prais bilong statim loa. Skelim gut ol kondisen bilong loa.
- Yusim Ol Loa Ap i Gat Laisens Bilong BPNG: Yusim ol loa ap i gat laisens bilong Bank Bilong Papua Niugini. Dispela i givim yu sampela rot bilong helpim yu sapos hevi i kamap.
- Kisim Loa Tasol Long Hap Mani Yu Ken Bekim: Kisim loa tasol long hap mani yu save yu ken bekim long taim bilong loa. Long dispela rot, yu no inap lusim rot na kisim bikpela dinau.
- Lukautim Gut Hait Samting Bilong Yu: Lukautim gut ol save bilong yu. No ken yusim ol loa ap i askim yu planti samting i no gat bikpela mining, o ol i no gat gutpela rul bilong lukautim hait samting bilong ol kastoma. Digipay i bin kisim tok save long dispela samting, olsem na yu mas lukautim.
Makim gutpela desisen na kisim loa long rot bilong dijitol i ken helpim yu long planti rot. Tasol, yu mas save gut long en na lukautim gut mani bilong yu. Ol save na gutpela tingting bilong dispela atikol i ken helpim yu long wokabaut gut long dispela nupela mak bilong loa ap long PNG.
