FinCorp: Stori Bilong Kompani na Ples Bilong En long Papua Niugini
FinCorp, o Finance Corporation Limited, em i wanpela bikpela nem tru long graun bilong ol mani long Papua Niugini. Em i namba wan bikpela institusen bilong mani i no wanpela benk, na i gat laisens stret long Bank bilong Papua Niugini (BPNG). FinCorp i kamap long yia 1998 taim em i baim MBF Finance, na em i wanpela hap bilong Grand Columbia Group bilong ol kampani. Dispela Grup i gat bikpela tingting tru long helpim Papua Niugini i go het long sait bilong ekonomi.
Ol wok bilong FinCorp i strong long givim loana bilong ol wanwan manmeri na bilong ol kampani. Ol i wok long ol bikpela taun na ol hap bilong kantri tu. FinCorp i laik helpim ol wokman bilong praivet kampani na bilong gavman tu, na tu ol liklik na bikpela biznis (olsem SMEs na ol bikpela kampani). Ol i bilip olsem ol i save givim ol gutpela rot bilong kisim mani bilong helpim ol manmeri na ol biznis long kamap bikpela na strongim ol wok bilong ol.
FinCorp i gat bikpela wok bilong en long givim ol loana i stret long ol kainkain nid. Dispela i makim olsem ol i no givim loana bilong wanpela kain manmeri tasol, nogat. Ol i save skelim gut ol nid bilong ol kastoma na givim loana i stret long dispela nid. Dispela pasin bilong wok i mekim FinCorp i stap strong long maket bilong PNG na i helpim planti manmeri na biznis bilong kamapim ol drim bilong ol.
Ol Kainkain Loana na Ol Kondisen Bilong FinCorp
FinCorp i gat planti kain loana bilong helpim ol manmeri na ol biznis. Ol dispela loana i stret long ol kainkain nid bilong ol kastoma.
Ol Loana Bilong Wanwan Manmeri
- Budget Booster: Wanpela loana bilong helpim yu long ol smolpela nid, olsem bilong baim ol samting bilong haus o bilong peim ol bil.
- Credit Ready: Dispela loana i bilong ol manmeri i mas kisim mani kwiktaim bilong ol kainkain nid.
- Teacher's Paradise: Wanpela spesel loana bilong ol tisa, bilong helpim ol long ol nid bilong edukesen o bilong ol famli.
- Premium Loana: Dispela em i bilong ol kastoma i gat strongpela profil bilong mani, na ol i ken kisim bikpela loana.
Ol loana bilong wanwan manmeri i stat long K500 na i go antap inap K21,000. Tasol, bilong ol kastoma bilong Premium, ol i ken kisim loana i go antap inap K50,000. Ol manmeri i save bekim dispela loana long evri tupela wik, na taim bilong baim bek i ken i stap inap 24 mun (o 48 mun bilong ol Premium kastoma).
Ol Loana Bilong Biznis na Ol Ases
FinCorp i save givim tu ol loana bilong helpim ol biznis bilong kamap bikpela na strongim ol wok bilong ol. Ol dispela i inkludim:
- Term Loana: Ol loana bilong wanpela taim bilong wokim planti kain wok long biznis.
- Cash-Flow Advances: Bilong helpim biznis taim mani i sot liklik.
- Loana Bilong Ol Masin na Plant: Bilong baim ol nupela masin, ol bikpela samting bilong wokim bilas, o ol plant bilong biznis. Ol i ken givim loana i go inap 80% bilong veliu bilong dispela masin o plant.
- Loana Bilong Ol Kar: Bilong baim ol nupela kar bilong biznis o bilong ol kampani i gat planti kar.
Ol loana bilong biznis i ken i stap longpela taim, inap 15 yia. Ol i save bekim dispela loana long evri mun.
Ret Bilong Interes na Ol Fi
Ret bilong interes bilong ol loana bilong wanwan manmeri i save kamap long lapot bilong 15% i go antap long wanpela yia. Ret bilong ol loana bilong biznis i save sens, na ol loana i gat samting bilong baim bek (olsem mani o aset) i save gat liklik ret bilong interes. FinCorp i no soim klia wanpela spesel namba bilong ret bilong interes long ples bilong ol, olsem na i gutpela tru yu mas askim ol stret taim yu aplai.
FinCorp i gat ol fi bilong statim na wokim loana, na ol dispela fi i ken stap wanpela namba stret o wanpela hap bilong olgeta loana. Sapos yu leitim peim, orait bai yu gat fi bilong leitim peim tu, olsem ol lo bilong BPNG i makim. I gutpela yu mas skelim gut olgeta fi na kondisen bipo yu sainim kontrak.
Ol Samting Bilong Baim Bek (Collateral)
Bilong ol loana bilong wanwan manmeri i stap liklik (i go inap K21,000), planti taim FinCorp i no askim yu long givim wanpela samting bilong baim bek. Tasol, bilong ol bikpela loana bilong Premium kastoma o bilong ol loana bilong biznis na aset, FinCorp i save askim ol samting bilong baim bek. Ol dispela samting i ken kamap olsem mani i stap long benk, ol masin, ol kar, ol pepa bilong graun o haus, o wanpela man i stap bilong baim bek loana bilong yu sapos yu no baim bek.
Pasin Bilong Apla na Ol Samting i Mas Stap, wantaim Teknoloji bilong FinCorp
Apla bilong kisim loana long FinCorp i gat planti rot bilong wokim, bilong mekim i isi long ol manmeri long kisim loana.
Ol Rot Bilong Apla na Ol Samting i Mas Stap
Yu ken aplai long FinCorp long planti rot:
- Long Intanet: Yu ken go long websait bilong FinCorp na aplai long intanet stret.
- Long Fone (SMS): Yu ken sendim wanpela SMS i gat "LOAN" long namba bilong ol, na FinCorp bai kolim yu bek.
- Kol Senta: Yu ken kolim FinCorp kol senta long +675 8220 2100 bilong askim ol samting o aplai.
- Ol Brans: FinCorp i gat ol brans long ol bikpela taun olsem Port Moresby, Lae, Kokopo, Goroka, na Mt Hagen. Yu ken go visitim wanpela brans bilong ol.
Taim yu aplai, yu mas rediim ol dispela pepa na samting bilong soim yu husat na yu wok wanem. Dispela pasin ol i kolim "Know Your Customer" (KYC):
- Wanpela ID bilong gavman o National ID Kad.
- Pepa bilong soim yu gat wok.
- Ol peislip bilong yu.
- Ol benk steitmen.
Bilong ol loana bilong biznis, yu mas givim moa pepa olsem:
- Sertifiket bilong resista bilong biznis.
- Ol finens steitmen bilong biznis.
- IRC taks sertifiket.
- Ol tingting bilong mani bilong biznis i kam na i go (cash-flow projections).
FinCorp i save skelim gut ol aplikesen bilong loana. Ol i save yusim wanpela spesel rot bilong skelim risik bilong loana, bilong lukim mani i kam, stori bilong baim loana bipo, na valiu bilong ol samting yu givim bilong baim bek loana. Ol i ken apruvum ol loana kwiktaim, sampela taim i ken stap insait long 24 aua bilong ol loana i stret long ol samting ol i bin makim.
Taim loana i apruv, FinCorp i ken givim mani long planti rot:
- Long yu long benk akaun.
- Long mobail mani (sapos i gat dispela sevis).
- O yu ken kisim mani pes tu pes long wanpela brans bilong ol.
Apas Bilong Fone na Wok Bilong Intanet
FinCorp i no gat wanpela ap bilong mobail fone bilong en yet. Tasol, ol i gat wanpela websait i save wok gut long ol kainkain fone na kompiuta. Ol i strong tu long sosel media, olsem YouTube, bilong soim ol stori na wok bilong ol. Dispela i soim olsem FinCorp i wok strong long kamapim ol wok bilong en long intanet.
FinCorp i gat bikpela namba bilong ol brans long ol bikpela taun na long ol hap bilong kantri tu. Na tu, ol i gat ol mobail aisen i save wok long ol ples i stap longwe. Dispela i mekim i isi bilong planti manmeri long kisim ol sevis bilong FinCorp. Ol i gat moa long 50,000 kastoma i save kisim loana, i inkludim ol wokman i save kisim pei, ol liklik na bikpela biznis, ol tisa, ol wokman bilong gavman, na ol manmeri i gat planti mani.
Gavman i Lukautim, Ol Kompetita, na Ol Tok Bilong Kastoma
Pasin bilong FinCorp long bihainim lo na ol rul bilong gavman i strongpela tru, na dispela i givim bilip long ol kastoma na ol invesmen man.
Laisens na Gavman i Lukautim
FinCorp i gat laisens aninit long Seksen 12 bilong Financial Institutions Act 1998, na Bank bilong Papua Niugini (BPNG) i lukautim ol wok bilong en. Dispela i makim olsem FinCorp i mas bihainim ol lo na rul bilong gavman bilong lukautim gut ol mani bilong ol kastoma na bilong daunim stil mani (AML/CFT) na ol hevi bilong teroris. FinCorp i save bihainim ol rul bilong BPNG bilong lukautim gut mani. I no gat wanpela stori bilong gavman i tok kros long FinCorp long ol laspela 5 yia, na dispela i soim olsem FinCorp i wok gut long bihainim ol lo.
Bilong lukautim ol kastoma, FinCorp i soim klia ol fi bilong en long ol pepa bilong kontrak, na ol kontrak i stap long Tok Pisin bilong mekim i isi long ol manmeri long save. Sapos i gat hevi o tok kros, FinCorp i gat wanpela tim bilong helpim ol kastoma bilong stretim ol hevi. Sapos hevi i stap yet, orait BPNG i ken helpim long stretim hevi.
Ol Tok Bilong Kastoma na Ples Bilong En long Maket
Long maket bilong Papua Niugini, FinCorp em i namba wan bikpela non-bank kampani bilong givim loana. Ol i gat bikpela namba bilong ol brans na bikpela namba bilong ol loana ol i givim. Ol bikpela kompetita bilong FinCorp i inkludim Credit Corporation Finance Ltd, BSP Finance, First Investment Finance, Handy Finance, na Mahogany Finance.
FinCorp i narapela long ol narapela kampani bikos ol i gat planti brans long olgeta hap bilong kantri. Na tu, ol i save apruvum ol loana kwiktaim (insait long 24 aua), ol i gat ol spesel man bilong loana bilong helpim ol kastoma, na ol i gat ol spesel Premium loana bilong ol bikpela kastoma. Ol i gat plan bilong wokim nupela platfom bilong givim loana long intanet na bilong kamapim moa liklik loana long ol aisen bilong ol.
Ol tok bilong ol kastoma long Google Reviews i soim olsem FinCorp i kisim averes 4.1 long 5 ret. Planti manmeri i save tok gut long FinCorp bilong apruv kwiktaim na ol wokman i gat gutpela pasin. Tasol, sampela taim ol i save toktok long ol planti pepa ol i mas givim na sampela taim sistim bilong ol i save bagarap liklik.
FinCorp i gat ol spesel man bilong loana, kol senta bilong helpim kastoma, na ol wokman long brans bilong helpim ol kastoma. Ol i save sendim SMS na imel bilong tingtingim ol kastoma. Wanpela gutpela stori em i bilong wanpela man bilong biznis, Elison Nakaura, husat i kisim loana bilong PMV biznis bilong en insait long wanpela wik, na nau em i save kisim K30,000 long wanpela mun.
Ol Gutpela Tingting bilong Ol Manmeri i Laik Kisim Loana long FinCorp
Sapos yu gat tingting long kisim loana long FinCorp, i gutpela yu mas tingim gut ol dispela samting bipo yu mekim desisen:
- Skelim Gut Mani Bilong Yu: Bipo yu kisim loana, yu mas skelim gut mani bilong yu i save kam insait na i save go aut. Yu mas save klia sapos yu inap bekim loana long taim i stret, wantaim interes na ol fi. Yu no ken kisim loana i bikpela moa long mani yu inap bekim.
- Save Klia Long Ol Kondisen: Yu mas skelim gut ol ret bilong interes, ol fi bilong statim na wokim loana, na ol fi bilong leitim peim. Yu mas save long olgeta kondisen bilong kontrak bipo yu sain. Sapos i gat wanpela samting yu no klia, yu mas askim ol wokman bilong FinCorp.
- Kompere Wantaim Ol Narapela: I gutpela yu mas lukluk long ol narapela kampani bilong givim loana long PNG tu. Kompereim ol loana bilong FinCorp wantaim ol narapela long sait bilong ret bilong interes, ol fi, na ol kondisen. Dispela bai helpim yu long mekim wanpela gutpela desisen.
- Tingim Ol Nid Bilong Yu: Yu mas kisim loana i stret long nid bilong yu. Yu no ken kisim loana bilong baim ol samting yu no nidim, o bilong baim ol samting i no gat gutpela kaikai long bihain. Yusim loana bilong wokim wanpela gutpela samting o bilong strongim biznis bilong yu.
- Pepa i Mas Stret: Yu mas rediim olgeta pepa ol i askim yu long givim. Mekim sua olsem ol pepa bilong yu i stret na i klia. Sapos ol pepa i no stret, orait apruval bilong loana i ken longpela taim.
- Askim Ol Kwestin: Sapos yu gat wanpela tok o kwestin, yu no ken sem. Askim ol wokman bilong FinCorp long olgeta samting yu no save klia long en. Ol i stap bilong helpim yu.
FinCorp i wanpela bikpela rot bilong kisim loana long Papua Niugini, na ol i gat planti kain loana bilong helpim ol manmeri na ol biznis. Tasol, olsem olgeta loana, i gutpela yu mas tingim gut, skelim gut, na mekim wanpela desisen i stret long yu na long mani bilong yu.
