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Luksave Long Kampani na Stori Bilong Em Long PNG

Nationwide Microbank Limited, em i save wok olsem MiBank, i wanpela bikpela kampani bilong mani long Papua Niugini. Ol i bin rejista long PNG aninit long namba 6-241426 na i wok gutpela aninit long ful lisens bilong Bank Bilong Papua Niugini. Dispela i soim olsem wok bilong ol i strong na i bihainim ol lo bilong gavaman.

MiBank i kirap long yia 2004 olsem Wau Microbank, na dispela wok i bin kisim helpim mani long Esian Divelopmen Bank (ADB), Gavman Bilong Ostrelia (Australian Aid), na Gavman Bilong PNG. Long yia 2008, ol i kisim lisens bilong bank na senisim nem i kamap Nationwide Microbank Limited. Nau, em i kamap namba wan bikpela maikrofinans instityusen long PNG.

Rot bilong wok na ol manmeri oli targetim bilong MiBank em i bilong helpim ol manmeri i stap long graun, long bus, na ol i no gat bikpela mani, bai ol i gat aksis long ol sevis bilong mani. Ol i ofarim ol sevis olsem seving bilong dijitol, ol loan (olsem Spid Loan), mobail mani (MiCash), na maikro-insuarans (MiLife) tru long ol brans na ajen bilong ol long olgeta hap bilong kantri.

Ol het bilong kampani i kamap long yia 2025 i olsem: Trudi Egi em i CEO, Tony Westaway em i bin CEO bihain long retire long yia 2024, na Peter Aitsi em i bin Chairman bilong Bod. Ray Clark em i stap wanpela memba bilong Bod na bin kirapim wok olsem Hetman long taim bilong kirapim maikrobanking.

Ol Kain Loan na Sevis Bilong Spid Loan

Spid Loan, o Mobile Speed Loan, em i wanpela spesel prodak bilong MiBank bilong givim mani boro kwik kwik. Dispela loan i save helpim ol manmeri long olgeta kain nid, maski bilong personal o bilong kirapim liklik bisnis.

• Mani Bilong Loan: Em i save boro up long hamas mani yu putim long seving akaun o fiks diposit bilong yu long MiBank. Dispela i min olsem mani bilong loan bilong yu i stap aninit long hamas mani yu save putim long bank.
• Intres Ret: Ol i kisim 2% intres long olgeta mun. Long yia, dispela i kamap olsem 26.8% (APR) sapos oli putim intres long intres.
• Fis Bilong Mekim Wok (Processing Fee): Ol i kisim 3% bilong mani bilong loan. Dispela fis i save katim stret long mani bilong loan paslain long oli givim yu.
• Taim Bilong Baim Bek (Loan Terms): Yu gat rot bilong baim bek loan bilong yu long 3 mun i go inap 24 mun.
• Penalti Fis: Sapos yu no baim bek loan long stretpela taim, yu bai kisim penalti fis olgeta de. Mani bilong penalti i no klia long pablik.
• Samting Bilong Holim Loan (Collateral): Em i mas i gat mani yu putim long seving akaun o fiks diposit long MiBank. Sapos yu no baim bek loan, MiBank i gat pawa bilong kisim mani bilong yu stret long dispela diposit.

Pasen Bilong Aplaia, Mobail Ap, na Rot Bilong Mekim Wok

Aplaia bilong Spid Loan i isi long mekim tru long ol kain kain rot:

• Ol Ples Bilong Aplaia: Yu inap aplaia tru long websait bilong MiBank, tru long MiCash mobail wolet (wantaim helpim bilong ajen), o yu inap go stret long ol brans bilong MiBank na ol ajen bilong ol. MiBank i gat moa long 16 brans na 100+ ajen long olgeta hap bilong PNG.
• Rijistesen (KYC) na Kirapim Akaun: Yu bai sapotaim aplikesen bilong yu tru long PIN namba long foun bilong yu. Yu mas i gat ID bilong yu na akaun bilong MiBank i gat mani insait. Kontrak bilong loan i save sainim long dijitol rot.
• Skelim Loan (Underwriting): Mani bilong loan i no save go antap long mani bilong diposit bilong yu. Ol i no save yusim ol narapela kampani bilong skelim mani bilong man, tasol ol i save lukim stori bilong yu long putim mani long MiBank na stori bilong yu long baim bek loan paslain.
• Givim Mani (Disbursement): Mani bilong loan i save go stret long bank akaun bilong yu long MiBank o long narapela bank yu makim. O yu inap kisim mani long MiCash mobail wolet bilong yu tru long ajen netwok.
• Kisim Mani Bek (Collections): Sapos yu lusim wanpela peimen, ol i save salim SMS rimainda. Sapos yu lusim planti, ol i save kolim yu long foun na salim leta. Sapos loan i lus moa long 90 de, MiBank i gat pawa bilong kisim mani stret long diposit bilong yu. Sapos i no gat narapela rot, ol i inap go long kot.

Long sait bilong mobail ap, Spid Loan i no gat wanpela ap bilong em wanpela. Ol loan bilong Spid Loan i stap insait long MiCash wolet ap (i stap long iOS na Android). Dispela i mekim i isi long ol kastoma long aksis long loan bilong ol tru long wanpela ap. MiBank i gat ol brans long 16 provins na moa long 100 ajen long ol ples long bus, olsem na ol i inap givim sevis long ol manmeri long olgeta hap bilong PNG. Long yia 2015, MiBank i gat 162,000 kastoma i save yusim sevis bilong ol, planti bilong ol i stap long bus na ol i no gat bikpela mani. Planti meri tu i save yusim sevis bilong ol, bikos MiBank i gat ol program bilong helpim ol meri.

Lo Bilong Gavaman, Ples Bilong Em Long Maket, na Ol Kastoma Tok

MiBank i wok aninit long ful lisens bilong Bank Bilong Papua Niugini na i bihainim olgeta lo bilong Bank Bilong PNG na Banking & Financial Institutions Act. Dispela i mekim olsem wok bilong ol i stap klia na i gutpela. Ol i save soim ol fis klia long ol kastoma, ol i save kipim ol rikod bilong dijitol, na ol kastoma i gat rait bilong tingting bek long loan bilong ol. I no gat wanpela rikod bilong gavaman i toktok nogut long MiBank inap long dispela taim.

MiBank i namba wan bikpela maikrofinans instityusen long South Pasifik na i het long wok bilong maikrokredit long PNG. Ol i save mekim wok bilong ol i narapela long ol narapela kampani olsem BSP Microfinance, Kina Bank (EsiLoans), na Credit Corporation PNG. MiBank i namba wan kampani bilong maikrofinans long PNG long kirapim mobail wolet (MiCash) na maikro-insuarans (MiLife), na ol i gat strongpela rot bilong go insait long ol ples long bus tru long ol ajen bilong ol. Ol i wok wantaim ol bikpela organisesen olsem ADB, Wol Bank, Pasifik Fainansel Inklusen Program, na Gavman Bilong Ostrelia.

Ol kastoma i save tok olsem ol i bel hepi long spid bilong aproval bilong Spid Loan. Tasol, sampela taim ol i save toktok long ol liklik traim long dijitol intafes na ol traim bilong mobail netwok i mekim ol transekson i no wok gut. Sampela taim tu i no klia long hamas mani bilong loan. Ol i gat sevis bilong kastoma tru long ol brans, ajen, kol senta, na dijitol chat. Planti stori i stap bilong ol manmeri long bus i yusim liklik loan bilong Spid Loan bilong baim skul fis, kirapim liklik bisnis, na ol grup bilong meri tu i save yusim bilong mekim bisnis bilong ol i go bikpela.

Gud Tok Save Bilong Ol Man Husat i Laik Boro Mani

Sapos yu tingting long boro mani long Spid Loan, em i bikpela samting long yu mas mekim ol dispela samting:

• Skelim Diposit Bilong Yu: Mani bilong loan i stap aninit long hamas mani yu putim long akaun bilong yu. Mekim save gut long hamas yu gat long akaun bilong yu paslain long aplaia.
• Undastan Long Intres na Fis: Mekim save gut long 2% intres long olgeta mun na 3% fis bilong mekim wok. Dispela i bikpela samting long planim mani bilong yu bilong baim bek loan.
• Tingting Gut Long Rot Bilong Baim Bek: Yu mas mekim save gut long yu inap baim bek loan long taim. Tingting gut long wanem taim yu gat mani na hamas yu inap baim olgeta mun.
• Yusim MiCash Ap: Sapos yu gat MiCash ap, em i isi long aksis long Spid Loan. Save gut long rot bilong yusim ap na ol wok bilong em.
• Kontakim Kastoma Sevis: Sapos yu gat wanpela hevi o yu no undastan, kolim o go lukim kastoma sevis long brans. Oli stap bilong helpim yu.
• Tingting Long Netwok: Long sampela hap bilong PNG, mobail netwok i no strong. Dispela i inap mekim ol transekson i no wok. Tingting long dispela long taim bilong aplaia o givim mani.
• Save Long "Set-Off" Lo: Em i bikpela samting long yu mas save olsem sapos yu no baim bek loan, MiBank i gat pawa bilong kisim mani bilong loan stret long mani bilong diposit bilong yu. Mekim save gut long dispela bipo yu boro.

Spid Loan bilong MiBank i givim wanpela spesel rot bilong kisim mani boro long kwik taim, speseli long ol manmeri i stap long bus na ol i no gat aksis long ol bikpela bank. Tasol olsem olgeta mani boro, em i mas i gat tingting gut na save gut long olgeta lo bilong em.