Handy Finance Limited

Kampani Handy Finance: Insait na Stori Bilong Em Long PNG

Handy Finance Limited i wanpela strongpela kampani bilong mani i wok long Papua Niugini. Em i gat laisens bilong Bank Bilong Papua Niugini (BPNG) na i kamapim ol loon bilong ol pipel, olsem "mini/soft loans". Dispela kampani i kirap wok long yia 2008 olsem wanpela hap bilong Handy Group Limited, na em i bin kisim ofisel laisens bilong em long 2018. Bikpela ofis bilong Handy Finance i stap long Port Moresby, na em i gat strongpela wok long ol narapela hap bilong kantri tu, olsem Lae, Mount Hagen, Kokopo, na Mendi, wantaim ol arapela ejen bilong em long Goroka, Wabag, Alotau, na Popondetta.

Olsem wanpela hap bilong Handy Group, Handy Finance i kisim bikpela save na gutpela managmen bilong ol bikpela bos bilong em. Ol bos na ol lida bilong kampani i gat bikpela save long wok bilong mani na biznis. Wok bilong Handy Finance i bikpela long givim loon long ol wokman bilong gavman na ol wokman bilong ol spesel kampani bilong praivet, olsem ol i gat peim bilong wok i save kam long peirol. Ol dispela loon i save helpim ol manmeri i no inap kisim loon long ol bikpela banis bank, o ol i laik kisim mani hariap tru. Wanpela bikpela samting bilong Handy Finance em i olsem em i save givim loon insait long wanpela de tasol sapos ol aplikesen i stret, na dispela i narakain long ol bikpela bank i save tekim longpela taim.

Wok bilong Handy Finance i bikpela long helpim ol manmeri i laikim mani hariap long ol samting bilong laif olsem bilong baim ol samting long haus, bilong skulim pikinini, o bilong mekim ol smolpela biznis. Dispela i soim olsem em i wok strong long helpim ol manmeri i no gat save long wok bilong mani o ol i gat hatpela taim long kisim mani bilong ol. Olgeta wok bilong em i stap aninit long ol rul bilong BPNG, na em i wanpela strongpela hap bilong maket bilong ol loon long PNG.

Kain Kain Loon na Ol Peim Bilong Handy Finance

Handy Finance i gat foapela bikpela kain loon bilong ol pipel (Unsecured Personal Loan o USPL) em i save givim. Dispela i gat kain kain amont na taim bilong bekim mani, bilong helpim ol manmeri i gat kain kain nid:

• EA$Y20: Dispela loon i kirap long K500 i go inap long K2,000. Taim bilong bekim mani i stap long 10 i go inap long 20 fothait (fortnights). Dispela i gutpela bilong ol manmeri i kirap tasol long loon na ol i nidim smolpela amont.
• GoFlexi: Bilong amont long K2,100 i go inap long K5,000. Taim bilong bekim mani i stap long 21 i go inap long 30 fothait. Dispela i gat rot bilong senisim taim bilong bekim, i gutpela bilong ol manmeri i nidim liklik moa.
• Prime30: Bilong amont long K5,300 i go inap long K10,000. Taim bilong bekim mani i stap inap long 30 fothait. Dispela i gutpela bilong ol manmeri i gat gutpela wok na ol i nidim wanpela loon bilong bikpela samting.
• Blue Chip: Dispela loon i go inap long K50,000. Taim bilong bekim mani i stap inap long 78 fothait (olsem 3 yia). Dispela i bilong ol bikpela kastoma i gat strongpela stori bilong mani na ol i nidim bikpela amont.

Long ol intres bilong Handy Finance, ol i save senis senis long kain loon na taim bilong bekim. Long lukluk bilong ol peim bilong mani, ol intres peim bilong ol i olsem:

• Ol loon bilong sotpela taim (10-15 fothait): Klostu long 45-65% long wanpela yia.
• Ol loon bilong mediam taim (16-25 fothait): Klostu long 35-50% long wanpela yia.
• Ol loon bilong longpela taim (26+ fothait): Klostu long 25-40% long wanpela yia.

Em i bikpela samting bilong save olsem ol dispela intres peim i bikpela moa long ol intres peim bilong ol bikpela banis bank, i stap klostu long 8.34% bilong ol gutpela kastoma. Tasol, ol dispela intres peim i stret na i gat kompitisen insait long maket bilong ol smolpela loon (microfinance) na ol loon bilong sotpela taim long PNG. Ol fi bilong wok bilong aplikesen i save stap long K50 i go inap long K200. Na sapos yu lusim peim, em i gat penaliti bilong 2-5% long wanpela mun. Ol dispela loon i no nidim wanpela graun o samting bilong sekyuriti. Handy Finance i bilip long wok bilong yu long kampani na long peirol dedaksen bilong yu.

Rot Bilong APlai, Ol Samting i Mas Stap, na Ol Teknoloji Bilong Handy Finance

Rot bilong aplai loon long Handy Finance i isi na hariap, na em i gat kain kain rot bilong go het. Ol manmeri i ken aplai long ol ofis bilong kampani i stap long ol bikpela taun, o long ol ofis bilong ol kampani ol i wok long en. Sampela taim, ol ejen bilong Handy Finance i ken kolektim ol aplikesen tu.

Ol Samting i Mas Stap Bilong APlai:

• Leta bilong ofis i tok yu wok long dispela kampani.
• Ol niupela pepa bilong peim wok (olsem 3-pela mun i go pinis).
• Nesenel ID kad, paspot, o draiva laisens.
• Ol ditel bilong bank akaun bilong yu bilong lukim peim wok bilong yu.
• Wokman bilong kampani bilong yu i mas tok orait bilong katim mani bilong loon long peirol bilong yu.

Handy Finance i bihainim ol rul bilong BPNG bilong save long ol kastoma (Know Your Customer o KYC). Ol i save skelim gut ol ID bilong yu, olsem nesenel ID o paspot. Na ol i save lukim tu ol pepa bilong lukim yu stap long wanem hap. Bilong skelim yu inap bekim loon o nogat, ol i save lukim peim wok bilong yu na skelim ol narapela loon yu gat pinis. Handy Finance i wanpela memba bilong Kredit Data Biro, olsem ol i save lukim stori bilong ol loon bilong yu long ol narapela kampani bilong mani tu. Dispela i helpim ol long mekim gutpela desisen.

Wanpela bikpela gutpela samting bilong Handy Finance em i olsem ol i save apruvim loon insait long wanpela de i go inap long 48 aua tasol sapos olgeta pepa i stret. Mani bilong loon i save go insait long bank akaun bilong yu, o yu ken kisim kes long ol ofis bilong kampani. Sampela taim, ol i ken peim mani stret long ol kampani yu laik baim samting long en, olsem bilong baim fon long Vodafone.

Teknoloji na Digital Wok Bilong Kampani:

Long nau, Handy Finance i no gat wanpela spesel mobil ap bilong ol kastoma bilong em long PNG. Wok bilong kampani i go strong tru long ol ofis bilong em na long ol wokman bilong ol kampani. Wanpela websait bilong Handy Group (handygroup.com.pg) i gat ol tok save bilong kampani, ol kain loon, na ol hap bilong ofis. Tasol, dispela websait i no gat rot bilong aplai loon long en o bilong lukim akaun bilong yu long intanet. Olsem, ol manmeri i laik kisim loon i mas go long ofis o wok bilong ol i mas helpim ol.

Ol Rul Gavman i Putim, Maket Bilong Em, na Ol Kompiteta

Handy Finance Limited i wanpela Kampani Bilong Mani i Gat Laisens (Licensed Financial Institution o LFI) bilong Bank Bilong Papua Niugini (BPNG) i kirap long 2018. Olsem wanpela LFI, Handy Finance i wok aninit long ol strongpela rul bilong Banks and Financial Institutions Act 2000 na Anti-Money Laundering and Counter Terrorist Financing Act 2015. Dispela i minim olsem BPNG i save skelim gut wok bilong em, bilong lukim olsem em i wok stret na ol mani bilong ol kastoma i seif.

Handy Finance i stap long gutpela han bilong rul, na i no gat wanpela tok bilong hevi long wok bilong em. Em i wanpela memba bilong Kredit Data Biro, na dispela i helpim em long mekim gutpela wok bilong givim loon na skelim risik. Olsem wanpela liklik i go inap long mediam kampani insait long maket bilong ol LFI long PNG, Handy Finance i holim wanpela liklik hap bilong maket, klostu long 2-5% bilong olgeta aset bilong ol LFI. Dispela i soim olsem em i wanpela importantpela hap bilong ol kampani i givim loon long ol manmeri i no inap kisim sevis long ol bikpela bank.

Ol Gutpela Sait Bilong Handy Finance:

• Loon Kirap Hariap: Em i save apruvim na givim loon insait long wanpela de, na dispela i narakain long ol bank.
• Strongpela Pasin Wantaim Ol Kampani: Ol pasin bilong katim mani loon long peirol i mekim wok bilong bekim mani i isi na risik i liklik.
• Spesel Long Gavman Wokman: Ol i save gut long ol nid bilong ol wokman bilong gavman.
• Ofis Long Ol Hapsait: Ol ofis bilong em long Lae, Mt Hagen, Kokopo, na Mendi i mekim wok bilong ol i kam klostu long ol pipel.
• Longpela Stori Bilong Wok: Em i gat moa long 15 yia save long maket bilong PNG.

Ol Kompiteta Long PNG:

Long maket bilong PNG, Handy Finance i gat ol narapela kampani bilong mani i bungim em:

• BSP Finance (PNG) Limited: Wanpela bikpela LFI i gat planti kain kain loon.
• Finance Corporation Limited: Wanpela olo lain kampani i strong long givim loon bilong ol pipel.
• First Investment Finance Limited: Wanpela LFI tu i gat planti kain kain loon.
• Kina Bank Personal Loans: Ol i givim loon long K1,000 i go inap long K75,000 wantaim intres bilong 26% long wanpela yia.
• BSP Personal Loans: Ol i givim loon i go inap long K110,000.
• Credit Corporation (CreditBank PNG): Ol i wok moa long digital rot.
• Kundu Finance: Ol i givim loon bilong ol pipel tu.

Long skelim Handy Finance wantaim ol bikpela bank olsem Kina Bank na BSP, Handy Finance i win long wok hariap bilong em. Tasol, ol bank i save givim bikpela amont bilong loon na ol intres peim i liklik moa. Olsem, ol manmeri i mas skelim gut wanem i moa gutpela bilong ol.

Gutpela Toksave Bilong Ol Manmeri i Laik Loon Long Handy Finance

Bilong ol manmeri i tingting long kisim loon long Handy Finance, em i bikpela samting bilong save gut long ol samting na mekim gutpela desisen. Hia i gat sampela gutpela toksave:

1. Tingting Gut Long Nid Bilong Yu: Yu mas skelim gut wanem samting yu nidim mani bilong en. Yu nidim mani hariap tru? O yu ken wet liklik na lukluk long ol narapela rot i gat liklik intres peim? Handy Finance i gutpela bilong ol nid i kirap hariap.
2. Lukim Gut Long Ol Intres Peim na Fi: Ol intres peim bilong Handy Finance i bikpela moa long ol bank. Yu mas save gut long olgeta mani yu mas bekim, wantaim ol intres na ol fi bilong aplikesen. Askim ol bilong givim yu wanpela pepa i soim olgeta peim bilong yu.
3. Payroll Dedaksen: Dispela rot bilong bekim mani i save helpim yu. Tasol, yu mas bilip olsem yu inap wok strong long bekim mani long dispela rot. Mekim sua olsem wok bilong yu i strong na i no gat hevi.
4. Planing Gut Long Mani Bilong Yu: Baim loon long amont tasol yu inap bekim. No ken baim moa mani long wanem yu inap bekim, bai yu ken stap gut. Mekim wanpela bajet bilong lukim mani bilong yu i kamap na i go.
5. Ritim Ol Rul na Kondisen: Bipo yu sainim wanpela kontrak, ritim gut olgeta rul na kondisen. Askim olsem wanem sapos yu laik bekim mani hariap, o sapos yu lusim peim.
6. Skelim Wantaim Ol Narapela: Bipo yu mekim desisen, lukluk long ol narapela kampani bilong mani long PNG tu. Olsem ol bikpela bank, o ol narapela LFI. Skelim intres peim, ol fi, na ol taim bilong bekim.
7. Digital Wok: Sapos yu laik wokim ol samting long fon o intanet, yu mas save olsem Handy Finance i no gat wanpela spesel mobil ap bilong ol kastoma. Olsem, yu mas go long ofis bilong ol o wokim ol samting long telepon.

Handy Finance i wanpela strongpela rot bilong kisim loon hariap long PNG, moa yet long ol wokman bilong gavman. Tasol ol manmeri i mas mekim desisen wantaim save, na save gut long olgeta rul na peim bilong mani.