Stori bilong Kampani RIFL na Wok bilong ol long Papua Niugini
Resources & Investment Finance Limited, o RIFL ol i kolim, em i wanpela kampani bilong givim moni bilong dinau i gat laisens bilong wok long Papua Niugini. Bank bilong Papua Niugini (BPNG) i lukautim ol, na ol i stap aninit long kategoria bilong Licensed Financial Institution (LFI). Dispela i soim olsem ol i wok stret na aninit long ol lo bilong gavman bilong lukautim moni.
Kampani RIFL i bin stat wok long yia 1979. Long pastaim, Papua Niugini Banking Corporation i bin kirapim ol olsem wanpela 'merchant bank'. Bihain long ol yia 1990, ol i senisim wok bilong ol na kamap olsem wanpela kampani bilong dinau. Long Septemba 2012, ol i bin kisim nupela laisens aninit long nupela ol olgeta manmeri bilong PNG i kamap ol i gat pat bilong kampani, wantaim Remington tu. Nau, RIFL em i wanpela kampani bilong PNG stret, 100% bilong ol manmeri bilong dispela kantri, na ol i gat planti save bilong wok bilong moni, bilong ol i bung wantaim, ol yia bilong wok bilong ol i winim 100 yia.
Wok bilong RIFL i stap long givim dinau bilong baim ol masin na samting bilong wok (olsem 'asset finance'). Dispela i minim olsem ol i givim moni bilong baim ol bikpela masin, ol kar, na ol narapela samting bilong wok. Ol i putim nem bilong kampani long dispela masin, na sapos man i baim dinau i pinisim peim, orait masin i kamap bilong em. Ol i save givim dinau long ol kampani i wok long mining, ol kampani bilong ol landona, ol kontraktor bilong rot, ol bisnis bilong agrikalsa, ol liklik na bikpela bisnis (SME), na tu long ol manmeri i nidim dinau bilong baim ol samting olsem kar (olsem 'chattel mortgages'). Ol bikpela man bilong wok long RIFL i olsem: Peter Boutcher em i CEO, Russell Evans em i General Manager bilong Business Development (em i gat planti save long mining), na Margaret Morre em i Operations Manager. Ol dispela lida i soim olsem kampani i gat gutpela save long wok bilong ol na ol i save gut long ol nid bilong maket long PNG.
Ol Dinau na Sevis RIFL i Givim
RIFL i gat planti kain dinau na sevis ol i givim long ol manmeri na ol bisnis long Papua Niugini. Ol i wok spesel long givim moni bilong baim ol masin na samting bilong wok:
- Dinau bilong Baim Masin na Samting bilong Wok (Asset Finance): Dispela em i namba wan wok bilong ol. Ol i givim moni bilong baim ol nupela o yu yusim pinis masin olsem excavator, trak, drill, o doza. Ol dispela masin i save helpim ol wok long mining, konstruksen, na agrikalsa.
- Dinau bilong Manmeri (Consumer Chattel Mortgages): Ol i givim dinau bilong baim ol kar o ol liklik masin bilong manmeri.
- Moni bilong Wok (Working Capital Finance): Ol i givim dinau bilong helpim ol i gat ol wok bilong ol insait long liklik taim, tasol ol i save givim long ol spesel kain kastom tasol.
- Moni bilong Baim Insuran (Insurance Premium Funding): Dispela dinau i helpim ol manmeri o bisnis long baim ol insuran bilong ol, na ol i save peim bak moni long 10 i go long 12 mun.
- Ol Rot bilong Peim Dinau i Gat Mak (Structured Repayment Solutions): Ol i save wokim ol rot bilong peim dinau i stret long ol nid bilong kastom, olsem ol progrem bilong baim masin long ol selman (vendor programs), na ol narapela kain bilong dinau.
- Moni bilong Putim long Bank (Interest-Bearing Deposits): Ol i save kisim moni bilong ol institusen o bikpela kampani i putim moni long ol, na ol i save givim intres long dispela moni. Minimum bilong dispela em i K100,000.
Ol dinau bilong baim masin na samting bilong wok i no gat spesel minimum o maksimum namba bilong moni ol i save givim, em i save go wan wan long valiu bilong masin na sika bilong man i baim dinau. Tasol, bilong ol i putim moni long bank, namba bilong moni i mas kamap K100,000.
Long dispela ol dinau bilong masin na samting bilong wok, RIFL i save putim wanpela stretpela intres, na dispela intres i no ken i go antap long 25% long wan yia. Dispela i wanpela gutpela lo bilong lukautim ol manmeri i baim dinau. Bilong ol dinau bilong insuran na ol i putim moni long bank, ol intres i save senis senis. Ol taim bilong peim dinau bilong masin i save go long 1 i go long 5 yia, em i save stret long wanem taim masin i ken wok gut. Bilong dinau bilong insuran, em i 10 i go long 12 mun stret.
Bilong ol kost na pei bilong dinau, RIFL i no save kisim pei bilong kirapim dinau o pei bilong aproval. Dispela i soim olsem ol i no save tromoi kost long ol manmeri i kam. Tasol, sapos yu peim dinau i let, bai i gat pei bilong let. Na tu, bai i gat ol kost bilong putim nem bilong kampani long masin na ol liklik pei bilong lukautim insuran.
Ol i no save askim yu long putim haus bilong yu o narapela bikpela samting olsem kolateral. Masin o samting bilong wok yu baim em yet i save stap olsem kolateral, na ol i save putim nem bilong kampani long dispela masin.
Rot bilong Aplikim Dinau na Ol Teknoloji bilong RIFL
Sapos yu laik askim dinau long RIFL, i gat planti rot yu ken yusim. Ol i no gat wanpela bikpela app long fon bilong yu, tasol ol i gat ol narapela rot bilong wokim dispela:
- Online Aksam: Yu ken i go long website bilong ol, rifl.com.pg, na yu ken askim ol long intanet.
- Imel na Telefon: Yu ken salim imel long [email protected] o yu ken kolim namba (+675 323 5409) bilong askim ol.
- Go long Ofis: Yu ken i go stret long ofis bilong ol long Remington Haus, Gordons, Port Moresby, bilong mitim ol na tokim ol long nid bilong yu.
Taim yu askim dinau, bai yu mas givim ol pepa bilong kampani bilong yu, ol bank steitmen, na ol pepa i soim valiu bilong masin yu laik baim. BPNG i gat ol lo bilong lukautim ol manmeri (KYC - Know Your Customer) na bilong lukautim bilong kisim moni bilong stil (anti-money laundering), olsem na bai RIFL i mas lukim na stretim ol dispela samting bilong yu.
RIFL i gat wanpela spesel rot bilong lukim sika bilong man i baim dinau. Ol i save lukim gut sika bilong wok bilong yu, valiu bilong masin yu laik baim, na risik bilong wok bilong yu (olsem wok long mining o konstruksen). Ol i save wokim desisen bilong dinau insait long 48 aua sapos ol i gat olgeta pepa bilong yu. Dispela i soim olsem ol i wok kwiktaim.
Sapos ol i bin aproovim dinau bilong yu, bai RIFL i save givim moni long planti rot:
- Salim Moni long Bank: Ol i save salim stret moni long bank akaun bilong selman o bilong yu.
- Mobile Moni: Sapos i gat rot bilong mobile moni, ol i ken yusim dispela tu.
- Chek o Kes: Ol i save yusim chek o kes bilong peim ol insuran.
RIFL i no gat wanpela bikpela mobile app i stap long ol app store. Ol i save yusim website bilong ol na LinkedIn bilong soim wok bilong ol. Wok bilong ol i stap long Port Moresby nau, tasol ol i gat plan bilong i go long ol narapela bikpela taun olsem Lae, Mt Hagen, Rabaul, Madang, na Goroka. Ol i save lukautim ol wokman bilong mining, ol kampani bilong kar, agrikalsa, na ol liklik na bikpela bisnis.
Lukautim bilong Gavman na Ples bilong RIFL long Maket
RIFL em i wanpela kampani bilong dinau i gat laisens stret bilong Bank bilong Papua Niugini (BPNG). Ol i stap long lis bilong 13 ol kampani bilong givim dinau (LFI) long Papua Niugini. Dispela i minim olsem BPNG i save lukautim ol gut tru. Ol i stap aninit long Banking Supervision Department bilong BPNG, na ol i mas givim ol ripoti bilong wok bilong ol evri tri mun. Ol ofisa bilong BPNG i save kam lukim wok bilong ol tu.
Long sait bilong lo na lukautim kastom, RIFL i wok stret aninit long Anti-Money Laundering and Counter Terrorist Financing Act 2015. Ol i no gat wanpela stori bilong ol i brukim lo o kisim panis bilong gavman. Ol intres bilong dinau i gat kap bilong em (25% long wan yia) na ol pei bilong dinau i klia, dispela i soim olsem ol i lukautim gut ol manmeri i baim dinau.
Long maket bilong dinau long Papua Niugini, RIFL i stap olsem wanpela spesel kampani bilong givim dinau bilong baim masin na samting bilong wok. Ol i save kompitim ol narapela bikpela kampani olsem BSP Finance (PNG), Finance Corporation Limited, na First Investment Finance, wantaim ol liklik kampani bilong givim dinau (microfinance providers). Tasol RIFL i narapela long olsem: ol i wok kwiktaim long aproovim dinau, ol i 100% bilong ol manmeri bilong PNG, ol i save gut long pasin bilong PNG, na ol i givim ol stretpela rot bilong baim dinau bilong masin. Ol i laik kamap wanpela save long nem bilong ol insait long 10 yia na ol i laik kirapim ol nupela brans long ol narapela bikpela taun bilong kantri. Ol i gat plan tu bilong wok wantaim ol kampani bilong telikomunikasen bilong yusim mobile moni na wok wantaim ol selman bilong masin bilong givim dinau bilong baim masin.
Ol Gutpela Tingting bilong Ol i Gat Plan bilong Baim Dinau
RIFL i givim wanpela gutpela rot bilong dinau long ol bisnis na ol manmeri i nidim moni bilong baim ol masin o ol liklik samting. Sapos yu gat plan bilong askim dinau long RIFL, i gat samting yu mas tingim gut:
- Redim ol Pepa bilong Yu: Mekim save gut long ol pepa bilong kampani, ol bank steitmen, na ol pepa i soim valiu bilong masin yu laik baim. Taim yu redim olgeta pepa pinis, bai ol i ken wokim desisen kwiktaim.
- Skolim Gut Ol Dinau: RIFL i gat intres bilong 25% long wan yia bilong dinau bilong masin. Mekim save gut long dispela namba na skelim long moni yu ken kisim na yu ken peim bak. Tingim gut ol narapela kost tu olsem pei bilong let sapos yu no peim stret long taim.
- Save long Lo: RIFL i wok aninit long Bank bilong PNG, olsem na ol i mas bihainim ol lo bilong gavman. Dispela i helpim long lukautim yu.
- Ask Ol Klia Tok: Sapos i gat wanpela samting yu no klia long en, askim ol wokman bilong RIFL. Ol i mas givim yu klia tok bilong olgeta samting.
- Tingim Ol Rot bilong Wok: Ol i no gat mobile app, olsem na yu mas yusim website bilong ol, imel, o go stret long ofis bilong ol. Mekim save long dispela rot bilong wok long taim yu nidim help.
- Lukim Maket bilong Wok bilong Yu: RIFL i wok spesel long ol mining, konstruksen, na agrikalsa. Sapos wok bilong yu i stap long dispela ol maket, bai ol i ken save gut long nid bilong yu.
Ol manmeri i yusim sevis bilong RIFL i tok ol i wok kwiktaim na ol i save givim gutpela rot bilong helpim ol bisnis. Tasol, ol i no gat wanpela app long fon na ol i stap long Port Moresby, olsem na i ken i gat liklik hevi bilong wok long ol manmeri i stap long ol narapela hap bilong kantri. Olsem wanpela man bilong moni, mi tok olsem RIFL i wanpela strongpela kampani i givim gutpela dinau bilong baim masin na samting bilong wok long Papua Niugini. Ol i save long nid bilong ol manmeri bilong dispela kantri na ol i gat strongpela save bilong wok bilong ol.
