Kampani Bilong Kada Poroman Microfinance Limited: Ol Stori na Wok Bikpela
Kada Poroman Microfinance Limited, bipo em i Kokopo Microfinance Ltd, em i wanpela bikpela maifro-bank insait long Papua New Guinea. Dispela kampani i kamap long mun Februari bilong yia 2006 aninit long lo bilong Associations Incorporations Act. Tasol, stori bilong en i stat long Oktoba bilong yia 2004 taim ol i statim Micro Vapipiai Development Foundation Inc. Dispela i soim olsem i gat longpela wok na pasin bilong helpim ol manmeri insait long komuniti.
Ol wan bilong kampani em i ol Local Level Governments (LLG) bilong Kokopo Distrik, em olsem Kokopo/Vunamami, Bitapaka, Raluana, na Duke of Yorks. Dispela ol LLG i holim bikpela hap bilong kampani, em i 82 pesen (82%). Narapela hap, em i 18 pesen (18%), em i stap long han bilong ol narapela manmeri na ol kastoma bilong kampani. Dispela kain pasin bilong wan bilong kampani i strongim koneksen bilong en long ol pipel na komuniti bilong en. Kada Poroman i wok olsem wanpela maifro-bank i gat laisens aninit long Banks and Financial Institutions Act 2000. Ol i givim ol liklik loan long ol hauslain i no gat bikpela mani na ol liklik bisnis i no gat akaun long bank (unbanked maket) long East New Britain Provins.
Bikpela tingting bilong Kada Poroman em i long givim ol sevis bilong mani i ken go long olgeta manmeri, wokim ol samting nupela, wokim gutpela wok long pasin bilong stretpela tingting, na wokim ol wokmanmeri i gat save na skul. Ol bikpela lida bilong kampani i kamapim dispela wok. CEO bilong kampani em i Joyce Ilam, na i gat wanpela Boad bilong Direkta i gat ol riprisenta bilong ol LLG na ol narapela wan bilong kampani. Ol narapela bikpela wokmanmeri bilong kampani i holim ol wok olsem lida bilong ol wok bilong givim loan, kisim bek loan, ICT, na ol wok bilong bank.
Ol Kain Kain Loan na Sevis Kada Poroman i Givim
Kada Poroman Microfinance Limited i gat planti kain kain loan bilong helpim ol manmeri na ol bisnis long East New Britain. Ol dispela loan i kamapim gutpela rot bilong ol manmeri long kisim mani bilong bungim ol niut bilong ol.
- Personal Loans: Dispela loan i bilong helpim ol manmeri long baim ol bil, ol skul fi bilong ol pikinini, o long taim bilong emejensi.
- Bisnis Loans: Ol liklik na bikpela bisnis i ken kisim dispela loan bilong groim wok bilong ol, baim ol nupela samting, o putim mani long stok.
- Saleri Loans: Dispela loan i spesel bilong ol wokmanmeri i gat pe na i laik baim skul fi bilong ol pikinini. Ol i tok, dispela loan i gat wanpela flat intres ret bilong 33 pesen (33%) long wan yia.
Ol loan mani i ken stat liklik long K500 na i ken go inap long K5,000,000 bilong ol bikpela bisnis loan. Dispela i soim olsem Kada Poroman i save helpim olgeta kain bisnis, stat long liklik tumas i go long ol i gat bikpela wok. Ol intres ret bilong ol loan i save stap long flat ret bilong 18 pesen (18%) i go inap long 33 pesen (33%) long wan yia. Dispela ret i save tanim tasol long kain loan na save bilong man long baim loan. Ol Saleri Loan i gat wanpela spesel ret bilong 33 pesen (33%) flat long olgeta taim bilong loan.
Taim bilong bekim ol loan i save tanim tu, stat long 7 de i go inap long 12 mun. Dispela i dipen long kain loan na tok agrimen. Ol manmeri i ken makim long bekim loan long wik, tu wik, o long mun. I gat ol fi tu i stap. Ol fi bilong statim loan (origination/processing) i ken stap long 1 pesen (1%) i go inap long 3 pesen (3%) bilong loan mani. Sapos wanpela man i let long bekim insaitmen, em i ken baim wanpela fi bilong K10 o 5 pesen (5%) bilong mani i no yet bin pe, em i wanem namba i bikpela moa. Bilong ol liklik loan olsem personal na saleri loan, yu no nidim samting bilong bekim loan. Tasol, bilong ol bikpela bisnis loan, yu mas gat wanpela akaun bilong savim mani (passbook savings account) o narapela samting olsem kar o masin bilong bekim loan (chattel mortgage).
Rot Bilong Aplaia, Mobail Ap, na Rejista Bilong Kampani
Rot bilong aplaia long Kada Poroman i isi long ol manmeri. Yu ken go direktu long wanpela bilong ol brans bilong ol o yusim wepsait bilong ol. Kada Poroman i gat tri (3) brans long East New Britain Provins: Kokopo (em i bikpela ofis bilong ol), Kerevat, na Rabaul. Ol manmeri i ken aplaia tu long wepsait bilong ol (www.kpml.com.pg) long filim outim wanpela foom. Tasol, i no gat wanpela spesel mobail ap i stap yet bilong aplaia o wokim ol narapela wok bilong loan.
Taim yu aplaia, yu mas bringim ol pepana bilong soim yu husat na save bilong yu. Ol dispela samting i olsem: valid PNG ID, pepana bilong soim olsem yu gat pe (proof of income), na ol pepana bilong bank (bank statements) bilong ol wokmanmeri i gat pe. Bilong ol bisnis, yu mas gat ol pepana bilong rejistaim bisnis bilong yu. Kada Poroman i gat tu wanpela pasin bilong givim loan long grup (group lending) bilong ol liklik bisnis, em i helpim ol grup long sapotim na bekim loan bilong ol wan wan. Kada Poroman i yusim wanpela spesel rot bilong lukim save bilong man long baim loan (proprietary scorecard). Dispela rot i lukim save bilong man long kisim pe, stori bilong savim mani, na ol tok agrimen bilong grup. Ol i save lukim tu ol loan i stap long ris (PAR > 30 days) bilong mekim gutpela desisen.
Taim loan i bin apruv, ol i save givim mani long planti kain rot. Yu ken kisim mani kesh long kaunta long brans bilong ol, o ol i ken transferim mani i go long akaun bilong yu long wanpela narapela bank insait long PNG. Ol i ken yusim tu mobail mani (where available) bilong givim mani. Kada Poroman i gat wanpela tim bilong kisim bek ol loan na wokim ol tok amamas long ol manmeri. Ol i save salim SMS na mekim kol long ol manmeri. Sapos loan i stap longpela taim na i no bin pe, ol i ken yusim lo bilong kisim bek mani. Ol i bin mekim gutpela wok long daunim namba bilong ol loan i stap long ris (PAR > 30 days) long yia 2021, em i go daun long 11.89% from 23.69% long yia 2020.
Long sait bilong rejista, Kada Poroman Microfinance Limited i gat laisens olsem wanpela Maifro Bank aninit long Banks and Financial Institutions Act 2000 na Bank of Papua New Guinea i lukautim ol. Ol i save wokim audit bilong olgeta yia na ripot long CEFI long evri tri mun. I no gat stori bilong ol i bin kisim penalti, em i soim olsem ol i wok gut na bihainim ol lo. Ol i save strongim wok bilong protektim ol kastoma, givim ol stretpela save long ol intres ret long ol brans bilong ol, na wokim ol skul bilong save long mani (financial literacy) wantaim Cocoa Growers Association bilong helpim ol manmeri long kisim gutpela save long pasin bilong mani.
Ol Namba Bilong Ol Kastoma, Maket, na Gutpela Advaeis Bilong Kisim Loan
Long maket bilong Papua New Guinea, Kada Poroman Microfinance Limited i wanpela bilong ol bikpela kampani insait long lain bilong maifro-finans. I gat ol narapela maifro-bank olsem Nationwide Microbank (MiBank), Peoples Microbank, na Women’s Microbank. Long yia 2021, Kada Poroman i stap namba foa (4) long sait bilong saiz bilong ol asets bilong en. Ol i gat planti manmeri i yusim sevis bilong ol, bikpela long ol manmeri i stap long bus na ol wokmanmeri i gat pe long gavman o ol narapela kampani.
Kada Poroman i gat wanpela spesel pasin bilong en, em i gutpela koneksen bilong en long ol Local Level Governments. Dispela i strongim wok bilong en long ol komuniti. Ol i gat tu wanpela gutpela pasin bilong wok wantaim Cocoa Growers Association bilong givim skul long ol manmeri long save bilong mani na helpim ol long opim akaun. Namba bilong ol loan bilong Kada Poroman i bin gro gutpela. Long yia 2020, ol i gat K14.44 milian, na long yia 2021, em i go bikpela moa long K16.40 milian. Dispela i soim olsem wok bilong ol i gro na i gat bikpela bilip long en.
Taim i kam long ol tok bilong ol kastoma, i no gat planti riviu i stap long ol wepsait olsem Yellow Pages PNG. Tasol, ol i gat wanpela gutpela wok long Facebook na ol i save bekim ol askim kwiktaim. Ol manmeri i save gat sampela problem long ol fi bilong let pe na ol i laik moa digital sevis. Tasol, ol stori i soim olsem Kada Poroman i gat gutpela wok long kisim bek ol loan na givim gutpela sevis long ol kastoma.
Bilong ol manmeri i laik kisim loan, i gat sampela gutpela advaes bilong yu mas tingim:
- Savi Gut Long Intres Ret na Ol Fi: Yu mas askim na lukim gut ol intres ret, ol fi bilong statim loan, na ol fi bilong let pe. Skelim dispela long ol narapela loan kampani.
- Undastanim Ol Kondisen Bilong Loan: Yu mas save gut long olgeta kondisen bilong loan, olsem longpela taim bilong loan na rot bilong bekim.
- Skelim Wanpela Wantaim Narapela: Lukim ol loan ofa bilong Kada Poroman wantaim ol narapela maifro-bank long PNG bilong painim gutpela loan bilong yu.
- Redim Gut Tok Agrimen (Kontrak): Yu mas redim gut olgeta pepana bilong kontrak bipo yu sain. Sapos i gat wanpela samting yu no undastanim, yu mas askim ol ofisa bilong Kada Poroman.
- Mekim Budjet: Yu mas mekim wanpela budjet bilong lukim sapos yu inap bekim loan long stretpela taim.
- Askim Ol Kwestin: Sapos yu gat wanpela askim o yu no save gut long wanpela samting, yu mas askim ol wokmanmeri bilong Kada Poroman. Em i rait bilong yu long kisim olgeta save bilong loan bilong yu.
Gutpela Tingting na Ol Namba Bilong Kampani
Long sait bilong mani, Kada Poroman Microfinance Limited i soim gutpela wok long ol namba bilong ol. Long yia 2021, ol i gat wanpela Return on Assets (ROA) bilong 3.91 pesen (3.91%), em i go antap long -1.03 pesen (-1.03%) long yia 2020. Return on Equity (ROE) bilong ol i bin kamap long 34.03 pesen (34.03%) long yia 2021. Ol dispela namba i soim olsem kampani i wok gut long pasin bilong kisim mani na groim wok bilong ol.
Bikpela hap bilong mani bilong Kada Poroman i kam long ol mani ol kastoma i putim long akaun (customer deposits). Long yia 2021, ol mani bilong kastoma i mekim 63.61 pesen (63.61%) bilong olgeta asets bilong kampani. I no gat stori bilong ol narapela bikpela invesmen i kam long ol autsait kampani. Namba bilong ol loan ol i givim (Gross Loan Portfolio) i bin kamap long K16.64 milian long yia 2021. Pasin bilong ol long lukautim ol loan i stap long ris i bin kamap gutpela tru, em i go daun long 11.89 pesen (11.89%) long yia 2021, i kam daun long 23.69 pesen (23.69%) long yia 2020. Dispela i soim olsem ol i wokim gutpela wok long lukautim ol loan na mekim sure ol manmeri i bekim loan long stretpela taim.
Long pasin bilong Papua New Guinea, Kada Poroman i holim wanpela bikpela ples. Pasin bilong ol long mekim wok wantaim ol Local Level Governments i strongim bilip bilong ol manmeri long kampani. Ol i save givim sevis long ol ples i stap longwe na helpim ol manmeri i no gat akaun long bank. Dispela wok bilong givim skul long save bilong mani i bikpela samting tru bilong helpim ol manmeri long mekim gutpela desisen long mani bilong ol. Olsem wanpela maifro-bank, Kada Poroman i stap olsem wanpela bikpela sapot bilong groim ol liklik bisnis na helpim ol hauslain long East New Britain Provins long kisim gutpela laif.
