PawaLoan

Wanem pawaloan i Stap na Histori Bilong Em long Papua Niugini

pawaloan em i wanpela nem bilong wanpela kampani i wok long givim loan long digitel wei, o long mobile telefon, long Papua Niugini. Ol i mekim wok bilong givim moni loan long ol manmeri na liklik bisnis i laikim moni kwiktaim. Long PNG, i gat planti manmeri i no gat gutpela access long ol bikpela bank, na ol kampani olsem pawaloan i kamap bilong helpim dispela hevi.

Tasol, em i gutpela tru bilong tokaut klia olsem, tispela taim yumi mekim dispela ripot,

yumi no painim wanpela save i stap tru long ol pepa bilong gavman bilong PNG (olsem IPA o Bank of Papua New Guinea) long wanpela kampani i gat nem 'pawaloan' na i gat laesens bilong wok.

Dispela i min olsem ol save yumi bungim long dispela ripot i kam long ol tok bilong olsem ol kampani i wok olsem long PNG, olsem MiBank's Sola Pawa Loan, na ol rul bilong gavman bilong PNG long ol lain bilong givim moni loan.

Sapos pawaloan i stap tru, yumi tingting olsem ol i laik helpim ol manmeri bilong ples na ol liklik bisnisman husat i gat hevi long painim moni long ol bikpela bank. Ol i save targetim ol lain i gat kaikai long mobile telefon na i no gat planti save long bank. Ol i ken kamap olsem wanpela wei bilong ol manmeri long kisim moni kwiktaim bilong ol kain hevi o bilong mekim liklik bisnis bilong ol i go bikpela. Yumi no gat save long husat i onim kampani o husat i bosim em, o taim ol i statim wok bilong ol. Ol dispela save i no stap klia long ol ples bilong ol pepa bilong gavman.

Ol Kain Loan na Ol Pli Bilong pawaloan (Wanpela Eksampel Olsem MiBank)

Long wanem yumi no gat save stret long ol kain loan bilong pawaloan, yumi ken lukim olsem ol kampani i wok olsem long PNG i save mekim. Wanpela gutpela eksampel em i

MiBank’s Sola Pawa Loan

, em i givim wanpela piksa long wanem kain loan pawaloan i ken givim. Planti taim, ol dispela kain loan i save helpim ol manmeri bilong baim ol samting olsem solar panel bilong lait o bilong wokim liklik bisnis.

Ol Kain Loan na Amont Bilong Moni (Olsem MiBank Sola Pawa Loan):

• Amont Bilong Loan: Ol loan i save kamap long K1,000 i go inap long K20,000. Dispela i wanpela gutpela amont bilong helpim liklik bisnis o bilong bungim ol hevi bilong wanpela famili.
• Taem Bilong Loan: Ol i save givim taim bilong bekim loan, olsem 6 mun i go inap long 24 mun. Dispela i min olsem yu gat taim bilong wokim moni na bekim loan isi isi.
• Ol Kain Loan: Sapos pawaloan i wok olsem MiBank, ol i ken givim loan bilong helpim yu baim ol samting olsem solar kit, o loan bilong liklik bisnis, o loan bilong bungim ol hevi bilong famili.

Intres Ret, Ol Fe, na Ol Pli Bilong Bekim Loan (Olsem MiBank Sola Pawa Loan):

• Intres Ret: Intres bilong ol dispela loan i save stap olsem 2 pesen long wanpela mun. Sapos yu lukim long wanpela yia, dispela i ken kamap long olsem 26.8 pesen. Em i bikpela liklik intres ret, tasol em i save stap olsem long ol kampani bilong givim liklik loan.
• Ol Pe Bilong Statim Loan (Origination Fee): Ol i save kisim wanpela pe bilong statim loan, olsem K100. Dispela em i pe bilong ol pepa wok na bilong rediim loan bilong yu.
• Ol Pe Bilong Let Peim (Late Payment Fee): Sapos yu let long bekim loan bilong yu, ol i save kisim wanpela pe bilong let peim, olsem K50 long wanpela mun yu let. Em i gutpela bilong bekim loan long stretpela taim bilong em.
• Ol Samting Ol i Holim (Collateral): Planti taim, ol i save holim samting bilong yu olsem 'bil of sel' bilong solar kit sapos yu baim solar kit, o ol i save laikim yu putim 30 pesen bilong moni yu laik borom. Dispela i givim save long kampani olsem yu gat gutpela tingting bilong bekim loan bilong ol.

Dispela ol save long intres ret na ol fe i kam long ol wok bilong MiBank na i givim wanpela piksa long wanem pawaloan i ken mekim. Em i gutpela tru bilong ol manmeri i laik borom moni long skelim gut dispela ol pli na ol pe. Yumi mas tokaut klia olsem ol dispela save i no bilong pawaloan stret, tasol em i bilong wanpela kampani i wok olsem long dispela maket.

Proses Bilong Aplaena, Teknoloji, na Lo Bilong pawaloan

Proses bilong aplaena bilong ol kampani bilong givim loan long digitel i save stap isi na kwiktaim. Maski yumi no gat save stret bilong pawaloan, yumi ken tingting olsem ol i save bihainim olsem ol narapela kampani long PNG.

Proses Bilong Aplaena:

• Wei Bilong Aplaena: Planti taim, yu ken aplae long mobile telefon bilong yu, olsem long USSD code (*775#) o long wanpela ap bilong mobile. Dispela i mekim i isi bilong ol manmeri long ples i no gat access long intanet o bank.
• Ol Save Ol i Laikim (KYC – Know Your Customer): Bilong bihainim lo bilong PNG, ol i mas askim yu long givim ID bilong yu olsem paspot o nasonal ID, na wanpela save long we yu stap. Planti taim, ol ejen bilong kampani i save go long ples bilong yu bilong helpim yu filim ol pepa na skelim ID bilong yu.
• Skelim Moni Wok Bilong Yu (Underwriting): Ol i save lukluk long ol save bilong bank akaun bilong yu bilong skelim gut sapos yu gat save long wokim moni na bekim loan. O, ol ejen i save mekim wanpela skelim bilong lukim gut wok bilong yu na sapos yu save bekim moni.
• Givim Moni na Kisim Bek (Disbursement na Collections): Sapos yu kisim loan, ol i ken putim moni long bank akaun bilong yu o long mobile wallet bilong yu. O, yu ken kisim moni long wanpela ejen bilong ol. Bilong kisim bek moni, ol i ken katim moni i kamap stret long bank akaun o mobile wallet bilong yu. Sapos yu let, ol ejen i save go long yu bilong tokim yu long bekim loan.

Ap Bilong Mobile na Teknoloji:

Yumi no painim wanpela ap bilong 'pawaloan' long Google Play Stoa o Apple Ap Stoa. Dispela i min olsem pawaloan i no gat wanpela ap i stap klia long publik bilong ol manmeri i save yusim. Sapos ol i gat ap, em i mas gat ol kain wok olsem lukim loan bilong yu, peim loan, na aplae long narapela loan. Dispela ol wok i mas stap isi bilong yusim na ol manmeri i ken save long wokim.

Rul Bilong Gavman na Laesens:

Dispela em i wanpela bikpela save tru.

Yumi no painim nem 'pawaloan' long lisen bilong ol kampani i gat laesens bilong wok long givim moni long Papua Niugini, long Bank of Papua New Guinea.

Dispela i min olsem, long rul bilong gavman, pawaloan i no wanpela kampani i gat laesens bilong wok olsem wanpela insitut bilong givim moni.

Long PNG, ol wok bilong givim liklik loan i stap aninit long lo bilong Bankin na Ol Institusens Bilong Moni Akt 2000 (Banking & Financial Institutions Act 2000) na Lo Bilong Ol Sosaiti Bilong Savings na Loan Akt 2015 (Savings & Loan Societies Act 2015). Ol dispela lo i putim ol rul bilong protektim ol manmeri i save borom moni. Sapos wanpela kampani i no gat laesens, em i save putim ol manmeri i save borom moni long hevi. Em i gutpela tru bilong ol manmeri long skelim gut sapos wanpela kampani i gat laesens bilong wok o nogat, pastaim long ol i borom moni long em.

Position Bilong pawaloan long Maket na Savetok Bilong Ol Manmeri

Long wanem yumi no gat save stret bilong pawaloan, yumi mas lukim gut long maket bilong givim liklik loan long PNG na wanem ol manmeri i save tok bilong ol narapela kampani i wok olsem.

Ol Kampani i Wok Wantaim (Competitive Landscape):

Maket bilong givim liklik loan long PNG i gat planti kampani i wok pinis. Ol bikpela nem bilong dispela maket i olsem: MiBank, PNG Microfinance Ltd (PML), Nationwide Microbank, na People's Micro Bank. Ol dispela kampani i gat laesens na ol i bihainim ol rul bilong gavman.

• MiBank: Em i wanpela kampani i save wokim planti nupela samting long digitel wei, olsem MiCash mobile wallet na Sola Pawa Loan. Ol i save go insait long ol ples na helpim ol manmeri i no gat access long bank.
• Ol Narapela: PML, Nationwide Microbank, na People's Micro Bank i gat ol brans na ol ejen bilong ol long olgeta hap bilong PNG na ol i gat save bilong givim ol kain loan bilong bisnis na famili.

Sapos pawaloan i kamap, ol i mas i gat wanpela nupela wei bilong wok bilong ol i winim ol dispela kampani i stap pinis na i gat laesens. Long wanem yumi no save long laesens bilong pawaloan, em i wanpela bikpela hevi bilong em long dispela maket.

Tok Save Bilong Ol Manmeri (Customer Reviews):

Yumi no painim wanpela stretpela toktok bilong ol manmeri long pawaloan. Tasol, yumi ken lukim long ol narapela wok bilong givim liklik loan olsem MiBank's Sola Pawa Loan:

• Ol manmeri i save tok olsem ol ejen bilong kampani i save helpim ol gut na ol i gat gutpela save long wok bilong ol. Ol i save go long ol ples na helpim ol manmeri.
• Wanpela hevi ol i save tok bilong em i olsem, taim bilong bekim loan i save sot tumas, em i no stret long taim bilong wok bilong ol gadenman. Ol i laikim taim bilong bekim loan i go longpela liklik.

Sapos pawaloan i wok, ol i mas skelim gut ol dispela toktok bilong ol manmeri bilong mekim wok bilong ol i kamap gutpela. Long wanem ol i wok long digitel wei, em i mas isi bilong yusim na i mas helpim ol manmeri long ol ples.

Gutpela Savetok Bilong Ol Manmeri i Laik Borom Moni

Long dispela eskel, yumi mas givim gutpela savetok long ol manmeri i tingting bilong borom moni long pawaloan o wanpela narapela kampani bilong givim loan long digitel.

1. Skelim Gut Laesens Bilong Kampani: Pastaim tru,

   yu mas skelim gut sapos kampani i gat laesens bilong wok long Bank of Papua New Guinea o nogat.

   Sapos i no gat laesens, em i save putim yu long bikpela hevi. Ol kampani i no gat laesens i no save bihainim ol rul bilong gavman bilong protektim yu.
2. Ritim Gut Ol Pli Bilong Loan: Yu mas ritim gut olgeta pli bilong loan, olsem intres ret, ol fe bilong statim loan, na ol fe bilong let peim. Sapos yu no klia long wanpela samting, yu mas askim bilong ol i tok klia long yu.
3. Yu Save Bekim Moni o Nogat?: Lukim gut long wok bilong yu na sapos yu gat save long wokim moni na bekim loan. Yu no ken borom planti moni i go antap long save bilong yu.
4. Skelim Ol Narapela Kampani: Pastaim long yu aplae, skelim gut ol narapela kampani bilong givim liklik loan long PNG. Lukim gut wanem intres ret ol i givim, ol fe bilong ol, na olsem wanem ol manmeri i save tok bilong ol.
5. Kipim Ol Pepa Bilong Yu: Olgeta pepa bilong loan, olsem kontrek, risit, na ol save bilong peim, yu mas kipim gut. Dispela i ken helpim yu sapos i gat hevi i kamap bihain.
6. Ask For Help: Sapos yu gat hevi long bekim loan, yu mas tokim kampani kwiktaim. Ol i ken helpim yu long painim wanpela gutpela wei bilong bekim loan.

Long pinis bilong dispela ripot, yumi mas tokaut klia gen olsem yumi no gat wanpela save i stap tru long pawaloan olsem wanpela kampani i gat laesens long PNG. Dispela i wanpela bikpela hevi tru. Ol manmeri i laik borom moni long digitel wei i mas gat gutpela save na lukluk gut long ol dispela samting, pastaim long ol i mekim desisen bilong ol.