Ol Stori Bilong Heduru Moni Moni Plus Limited
Heduru Moni Limited, em i bin statim wok bilong en long yia 1998, na nau planti manmeri i save kolim Moni Plus. Em i wanpela bikpela haus moni bilong privet man i wok long Papua Niugini (PNG). Long pastaim, ol i bin statim wok bilong givim dinau liklik bilong ol manmeri husat i kisim pe bilong wok, na dispela dinau i no gat wanpela samting bilong garanti. Tasol long ol yia i go pas, Moni Plus i bin go bikpela tru. Nau ol i save givim dinau bilong baim ol bikpela samting bilong wok, dinau bilong ol bisnisman, ol i save kisim moni bilong putim long akaun (term deposit), na tu ol i save senisim moni bilong ol kantri.
Dispela kampani i gat laisens bilong Bank bilong PNG, em i Bank bilong ol bank long kantri. Dispela i soim klia olsem wok bilong ol i stap aninit long strongpela lo bilong gavman. Wanpela bikpela samting i save mekim Moni Plus i narakain long ol narapla kampani em i pasin bilong ol i wok kwiktaim. Planti taim, sapos yu aplaia dinau, ol i ken aprovanim long insait long 24 aua. Ol i tingim tru long givim ol dinau i klia na isi bilong ol manmeri i save. Ol i gat ol ofis bilong ol long ol bikpela taun long kantri, olsem Port Moresby, Lae, Mt Hagen, Alotau, Kokopo, na Goroka, na ol i tingting long go yet long ol narapla hap bilong kantri.
Bernard Chan, em i bin statim Moni Plus na em yet i stap het bilong dispela kampani. Ol i gat bikpela ofis bilong ol long B & D Building, 7 Erskine St., Off Champion Parade, Port Moresby. Ol i gat tu ol ofis long ol narapla ples olsem Waigani. Ol i tingim tru ol wokman bilong gavman na ol wokman bilong ol privet kampani husat i gat pe bilong wok, ol liklik bisnisman husat i laik baim ol samting bilong wok, na tu ol manmeri na kampani husat i laik senisim moni. Dispela i soim olsem Moni Plus i mekim wok bilong en long helpim planti lain manmeri long PNG long ol kain kain niut bilong ol long moni.
Kain Kain Dinau, Pe, na Ol Lo Bilong Heduru Moni Moni Plus Limited
Moni Plus i save givim planti kain dinau bilong helpim ol manmeri na ol bisnis long PNG. I gutpela tru long yumi lukluk gut long ol dispela dinau, ol pe bilong dinau (intres), ol narapla pe, na ol lo bilong bekim dinau. Dispela i ken helpim yu long mekim gutpela desisen.
Ol Kain Dinau Ol i Givim:
- Dinau Bilong Ol Manmeri (Unsecured Personal Loans): Dispela kain dinau i no gat samting bilong putim garanti. Ol manmeri i save kisim dinau bilong baim skul fi bilong ol pikinini, bilong peim haus sik, o bilong baim ol samting bilong pasin bilong ol tumbuna.
- Dinau Bilong Bisnis na Baim Samting Bilong Wok (SME Commercial & Asset Finance): Dispela dinau em i bilong ol liklik na bikpela bisnis. Ol i save kisim bilong baim ol trak, ol masin bilong wok, ol samting bilong wokim haus, o bilong baim graun na haus bilong bisnis.
- Dinau Long Haus na Graun (Loan Against Property): Sapos yu gat haus o graun bilong yu yet, yu ken yusim dispela haus o graun olsem garanti bilong kisim dinau. Em i olsem home-equity loan.
- Garanti Bilong Dinau (Financier’s Guarantee): Dispela em i olsem Moni Plus i tok save olsem ol bai bekim dinau bilong narapla man o kampani sapos ol i no bekim. Em i wanpela kain garanti bilong tripela lain.
Ol Namba Bilong Dinau na Ol Pe Bilong Dinau (Intres):
I gutpela long tok klia olsem ol namba bilong dinau na ol pe bilong intres i no oltaim i klia long ol buk bilong ol. Ol dispela namba daunbilo em i olsem ol namba bilong ol narapla kampani bilong dinau, na i no gat strongpela save yet. Olsem na, sapos yu laik kisim dinau, i gutpela yu askim Moni Plus direk.
- Dinau Bilong Manmeri:
- Liklik dinau: K500
- Bikpela dinau: K20,000
- Taim bilong bekim: 5 i go inap 52 tupela wik (fortnights)
- Pe bilong dinau (intres): 15% i go inap 30% long wan yia (per annum)
- Dinau Bilong Baim Samting Bilong Wok:
- Liklik dinau: K10,000
- Bikpela dinau: K1,000,000
- Taim bilong bekim: 6 i go inap 60 mun (months)
- Pe bilong dinau (intres): 12% i go inap 20% long wan yia
- Dinau Long Haus na Graun:
- Liklik dinau: K50,000
- Bikpela dinau: K500,000
- Taim bilong bekim: I go inap 240 mun
- Pe bilong dinau (intres): 10% i go inap 18% long wan yia
- Garanti Bilong Dinau:
- Pe bilong wok: 1% i go inap 3% bilong olgeta dinau.
Ol Pe na Garanti Bilong Dinau:
Moni Plus i gat ol pe bilong wokim dinau na ol pe sapos yu les long bekim dinau. Ol tu i gat ol lo bilong garanti bilong dinau.
- Pe Bilong Wokim Dinau (Origination/Processing Fees): Ol i save kisim wanpela pe long stat bilong wokim papamon bilong dinau. Dispela pe i save kamap long K100 i go inap K500 long wanpela dinau.
- Pe Bilong Les Long Bekim Dinau (Late Payment Fees): Sapos yu no bekim dinau long taim, Moni Plus i ken kisim K50 bilong dispela, na tu yu bai peim wanpela pe bilong intres bilong 2% long wanpela mun long ol moni yu no bekim yet.
- Garanti Bilong Dinau (Collateral):
- Dinau Bilong Manmeri: Ol dinau i no gat garanti.
- Dinau Bilong Baim Samting Bilong Wok: Ol i save putim nem bilong yu long titol pepa bilong samting yu baim.
- Dinau Long Haus na Graun: Yu mas putim haus o graun bilong yu olsem namba wan garanti (first mortgage).
- Garanti Bilong Dinau: Ol i save mekim wanpela strongpela pepa bilong garanti.
Ol Pasin Bilong Aplaia Dinau, Teknoloji, na Ol Lain Klia Bilong Heduru Moni Moni Plus Limited
Pasin bilong aplaia dinau long Moni Plus i isi na i gat planti rot. Ol i save yusim ol pasin bilong lukluk gut long husat i aplaia bilong makim save olsem yu inap bekim dinau.
Pasin Bilong Aplaia Dinau:
- Long Intanet (Website): Yu ken go long websait bilong ol na lukim ol fomu bilong aplaia dinau. Yu ken daunlodim ol fomu na raitim, o yu ken askim long intanet.
- Go Long Ofis (Physical Locations): Sapos yu laik, yu ken go direk long wanpela ofis bilong Moni Plus long ol bikpela taun na aplaia dinau pes-tu-pes.
- Apliksen Bilong Fon (Mobile App): Long dispela taim, Moni Plus i no gat wanpela apliksen bilong fon yet bilong aplaia dinau long en. Tasol ol i save yusim SMS na USSD bilong givim ol notifikason na tok save.
Ol Lo Bilong Luksave Long Man na Mekim Akaun (KYC & Onboarding):
Sapos yu aplaia dinau, Moni Plus i mas lukluk gut long yu. Ol i mas save husat yu. Ol i save askim long:
- Pepamon bilong soim nem bilong yu (Gavman ID olsem paspot o draiva laisens).
- Pepamon bilong soim pe bilong wok bilong yu (payslip).
- Ol pepamon bilong akaun bilong yu long bang (bank statements).
Ol i save bihainim ol lo bilong Bank bilong PNG bilong lukluk gut long moni i save go na kam bilong stopim ol wok bilong stilim moni. Dispela i mekim wok bilong ol i stap klia na stret.
Pasin Bilong Lukluk Long Dinau Bilong Yu (Credit Scoring & Underwriting):
Moni Plus i gat wanpela pasin bilong lukluk gut long yu bipo ol i givim yu dinau. Ol i save lukluk long:
- Hamas pe bilong wok bilong yu i ken go long bekim dinau. Olsem, sapos yu wokman bilong gavman, ol i save tok save olsem i no ken i go antap long 50% bilong olgeta pe bilong wok bilong yu.
- Ol i ken lukluk long ol buk bilong dinau bilong ol narapla kampani bilong dinau (credit reference bureaus) bilong lukim olsem yu save bekim dinau long taim o nogat.
- Sapos yu bin kisim dinau long Moni Plus bipo, ol i ken lukluk long pasin bilong yu long bekim dinau long taim.
Pasin Bilong Givim Moni na Kisim Bek (Disbursements & Collections):
Sapos Moni Plus i apruvim dinau bilong yu, ol i save givim moni long kain kain rot:
- Salensim Long Bang: Ol i ken salensim moni direk long akaun bilong yu long bang.
- Kisim Kias Long Ofis: Yu ken go long ofis bilong ol na kisim kias.
- Moni Bilong Fon (Mobile Money): Ol i ken yusim ol sevis olsem Digicel Balus bilong givim yu moni.
Long pasin bilong kisim bek moni, ol i save yusim:
- Katim Moni Long Pe (Salary Deduction Orders - PVA/ISDA): Planti wokman bilong gavman i save yusim dispela, ol i save katim moni direk long pe bilong wok bilong yu.
- Direk Debi (Direct Debit): Ol i ken kisim moni direk long akaun bilong yu long bang.
- Peyim Kias Long Ofis: Yu ken go long ofis na peim dinau bilong yu long kias.
Ol Teknoloji na Ofis Bilong Ol:
Moni Plus i gat strongpela websait, www.moniplus.com, bilong givim infomesen long ol manmeri, ol kalkuleita bilong lukluk long pe bilong dinau, na tu yu ken daunlodim ol fomu long en. Ol i gat tu wanpela bikpela pej long LinkedIn bilong soim ol wok bilong ol na ol wok bilong helpim komuniti.
Ol i no gat wanpela apliksen bilong fon yet, tasol ol i save yusim ol SMS bilong givim tok save long ol manmeri. Ol i gat ol ofis bilong ol long ol bikpela taun long kantri, na ol i tingting long go yet long ol narapla liklik taun.
Ol i gat klostu 15,000 manmeri husat i kisim dinau long ol. Planti long ol dispela manmeri em i ol wokman bilong taun, ol bisnisman, na ol manmeri i save salensim moni i go i kam.
Ol Lo Bilong Gavman, Ples Bilong Kampani, na Luksave Long Ol Narapla Kompiteta
Heduru Moni Moni Plus Limited i wok aninit long strongpela lo bilong Papua Niugini na i gat planti laisens bilong mekim wok bilong en. Dispela i mekim olsem wok bilong ol i stap stret na klia. I gutpela tu long yumi lukluk long ples bilong Moni Plus long maket bilong dinau na ol narapla kampani ol i kompitim.
Lo Bilong Gavman na Ol Laisens:
Bank bilong Papua Niugini i givim laisens long Moni Plus. Ol i gat laisens aninit long:
- Banks and Financial Institutions Act 2000: Dispela lo i mekim ol i stap wanpela strongpela haus moni.
- Foreign Exchange Dealers Act: Dispela lo i givim laisens bilong senisim moni bilong ol kantri.
Long dispela taim, i no gat wanpela tok save i kamap olsem Moni Plus i bin kisim wanpela samting nogut long gavman o ol i bin bekim pe bilong samting rong. Moni Plus i bihainim ol lo bilong Bank bilong PNG bilong soim klia ol pe bilong dinau na ol narapla pe bilong helpim ol manmeri i kisim dinau. Sapos yu gat hevi o samting i no klia, yu ken go long PNG Consumer Affairs Council bilong askim helpim.
Ples Bilong Moni Plus Long Maket:
Moni Plus i gat wanpela liklik hap bilong maket bilong givim dinau bilong ol haus moni i no bank. Ol i save tingting olsem ol i gat 5% i go inap 8% bilong dispela maket long PNG. Dispela i wanpela bikpela hap bilong maket bilong givim dinau long PNG.
Ol Narapla Kompiteta:
Long PNG, Moni Plus i gat ol narapla strongpela kampani ol i kompitim, olsem:
- KwikMoni: Wanpela narapla kampani i save givim kwiktaim dinau bilong manmeri.
- TISA Finance: Em i wanpela hap bilong TISA Savings and Loan Society, na ol tu i save givim dinau.
- BSP Finance: Em i hap bilong BSP Bank, na ol tu i save givim dinau bilong bisnis na baim ol samting.
Ol Samting i Mekim Moni Plus i Narakain:
Moni Plus i gat ol spesel samting i mekim ol i narakain long ol narapla kompiteta:
- Kwiktaim Aprovil: Ol i save aprovanim dinau long insait long 24 aua. Dispela i helpim planti manmeri husat i gat niut moni kwiktaim.
- Dinau Bilong Kisima Pe: Ol i save tingim tru ol dinau bilong manmeri husat i kisim pe bilong wok. Dispela i mekim olsem i isi bilong kisim dinau sapos yu gat wok.
- Wok Bilong Senisim Moni: Ol i gat laisens bilong senisim moni bilong ol kantri, na dispela i givim wanpela narapla sevis ol narapla kampani i no gat.
- Planti Ofis Long Kantri: Ol i gat planti ofis long ol bikpela taun long PNG, na dispela i mekim olsem planti manmeri i ken kisim sevis bilong ol.
Ol i save putim tingting tu long wok bilong helpim komuniti, olsem sapotim Female Innovator Award na wok wantaim Buk Bilong Pikinini long wokim save bilong ol pikinini. Dispela i soim olsem ol i tingim tu long helpim kantri i go het.
Strongpela Toksave Long Ol Man Husat i Laik Kisim Dinau
Sapos yu tingting long kisim dinau long Heduru Moni Moni Plus Limited, i gutpela tru long yu save gut long ol dispela tok save. Ol dispela tok save bai helpim yu long mekim wanpela gutpela desisen na bihain bai yu no pilim hevi.
Wanpela namba wan samting em i mas bilong yu lukluk gut long ol pe bilong dinau (intres) na ol narapla pe. Maski Moni Plus i givim kwiktaim dinau, ol pe bilong intres i ken i go antap. Yu mas askim ol long soim klia olgeta pe yu bai peim, na tu ol pe sapos yu les long bekim dinau. I gat gutpela lo bilong Bank bilong PNG olsem ol kampani i mas soim klia dispela olgeta. Soim klia yu askim ol bai soim yu klia olgeta namba.
Yu mas save gut long ol taim bilong bekim dinau na ol lo bilong dinau. Maski Moni Plus i ken givim dinau bilong 5 i go inap 52 tupela wik (fortnights) bilong manmeri, o bilong 6 i go inap 60 mun bilong baim samting bilong wok, yu mas save long wanem taim yu mas bekim dinau na hamas moni yu mas bekim long wanpela taim. I gutpela yu planim gut moni bilong yu bilong mekim sure yu inap bekim dinau long taim. Sapos yu no save gut, askim ol wokman bilong Moni Plus long kliaim bilong yu.
Tingting gut, yu mas kisim dinau bilong hamas moni yu inap bekim. I no gutpela long kisim dinau i antap long save bilong yu, maski ol i ken givim yu bikpela moni. Olsem Moni Plus i lukluk long pasin bilong katim moni long pe bilong wok, yu mas lukluk tu long dispela na mekim sure olsem bihain bai yu gat inap moni yet bilong baim ol narapla niut bilong yu na bilong femili bilong yu.
I gutpela tu long yu lukluk long ol narapla kampani bilong dinau long Papua Niugini. Olsem yumi bin tokim, i gat KwikMoni, TISA Finance, na BSP Finance. Yu ken askim ol dispela kampani tu bilong ol pe bilong dinau bilong ol, na bihain yu ken mekim wanpela lukluk bilong lukim wanem i gutpela bilong yu. Mekim dispela lukluk i ken helpim yu long painim gutpela dinau bilong yu.
Sapos yu gat ol askim o samting i no klia, i mas bilong yu askim ol wokman bilong Moni Plus. Ol i gat ol wokman bilong helpim ol manmeri long ol ofis bilong ol, na tu ol i gat ol namba bilong fon olsem 1804321 o Digicel +675 7373 8000. Askimgut olgeta samting bipo yu sainim wanpela pepa bilong dinau. Mekim sure yu save gut long olgeta lo na kondisen bilong dinau.
Na laspela samting, pasin bilong yu long bekim dinau i bikpela samting. Sapos yu bekim dinau long taim, dispela bai mekim nem bilong yu i strongpela long ol kampani bilong dinau. Bihain, sapos yu laik kisim narapla dinau, bai i isi bilong yu. Tasol sapos yu no bekim dinau long taim, dispela bai mekim nem bilong yu i nogut na bai i hevi bilong yu kisim dinau gen long bihaintaim.
Moni Plus i wanpela bikpela haus moni bilong dinau long PNG i gat planti kain sevis. Tasol olsem bilong olgeta dinau, yu mas gat save, tingting gut, na mekim gutpela desisen bipo yu kisim dinau. Dispela i ken helpim yu long wokim gutpela wok long moni bilong yu na bilong femili bilong yu.
