Women’s Micro Bank Limited

Stori Bilong Mama Bank na Ples Bilong Em Long PNG

Mama Bank, o Women’s Micro Bank Limited (WMBL) long ful nem bilong em, emi namba wan liklik baink long Papua Niugini i stap bilong helpim ol meri tasol na ol famili bilong ol. Dispela baink i bin kirap long aprail yia 2010 olsem PNG Women in Business Micro-finance Institute Ltd, na long Mei yia 2014, Bank of Papua New Guinea (BPNG) i givim em lisens bilong wok olsem wanpela baink. Emi wanpela liklik baink i save kisim moni na givim dinau, na i stap aninit long lo bilong Companies Act bilong Papua Niugini.

Olgeta samting bilong Mama Bank i bilong PNG Women in Business Foundation. Planti moa long 9,000 meri i bin baim sia bilong baink, na ol i putim pinis gutpela moni bilong mekim baink i strong. Bikpela wok bilong Mama Bank emi long strongim ol meri i no gat baink o i no save yusim sevis bilong baink yet, partikular long ol ples bilong bus na ol ples i klostu long taun. Ol i givim ol dinau na sevim moni i no gat bikpela pei, na tu ol i skulim ol meri long pasin bilong lukautim moni bilong ol. Long dispela pasin, Mama Bank i save helpim long katim rabis na strongim ol meri long PNG.

Ol bikpela lida bilong Mama Bank i save lukautim gut wok bilong baink. Dispela i inkludim Managim Dairekta na CEO, na tu ol lida bilong ol wok olsem Opsereisen na Riska. Olgeta i mekim sure ol sevis bilong Mama Bank i kamap gut long ol meri long olgeta hap bilong kantri.

Ol Kainkain Dinau na Sevis Bilong Mama Bank

Mama Bank i gat planti kain dinau na sevis bilong sevim moni, ol i mekim stret long nid bilong ol meri i no gat bikpela moni. Yumi ken lukluk long ol samting bilong dinau daunbilo:

• Dinau Biznis: Dispela dinau emi bilong ol meri i gat liklik biznis o i laik kirapim biznis.
  • Hau Bipela Moni: Ol i ken kisim moni i stat long PGK 500 i go inap long PGK 50,000.
  • Rait Bilong Dinau (Intres): Intres bilong dispela dinau emi stat long 18% i go inap long 24% long wanpela yia.
  • Taim Bilong Bekim: Ol i mas bekim dinau long 6 i go inap 24 mun, na ol i bekim long olgeta mun.
  • Ol Pei: Pe bilong kirapim dinau emi 2% bilong olgeta dinau, na pe bilong wokim pepa emi PGK 50. Sapos yu bekim let, yu peim 5% bilong liklik pei bilong mun.
  • Samting Bilong Strongim Dinau: Grup i ken strongim dinau, o ol i ken yusim liklik animal olsem pik o mankimast.
• Dinau Persenel: Dispela dinau emi bilong ol meri i nidim moni bilong ol kainkain nid bilong laif.
  • Hau Bipela Moni: Ol i ken kisim moni i stat long PGK 300 i go inap long PGK 5,000.
  • Rait Bilong Dinau (Intres): Intres bilong dispela dinau emi stat long 20% i go inap long 30% long wanpela yia.
  • Taim Bilong Bekim: Ol i mas bekim dinau long 3 i go inap 12 mun, na ol i ken bekim long olgeta wik o olgeta mun.
  • Ol Pei: Pe bilong kirapim dinau emi 2%, na pe bilong wokim pepa emi PGK 20. Sapos yu bekim let, yu peim PGK 10 long olgeta de.
  • Samting Bilong Strongim Dinau: I no gat bikpela samting bilong strongim dinau, o ol i ken yusim liklik samting olsem mobel o ol kainkain liklik masin.
• Dinau Planti Krop (Agrikalsa): Dispela dinau emi bilong helpim ol meri i save wokim gaden o lukautim animal.
  • Hau Bipela Moni: Ol i ken kisim moni i stat long PGK 1,000 i go inap long PGK 20,000.
  • Rait Bilong Dinau (Intres): Intres bilong dispela dinau emi stat long 16% i go inap long 22% long wanpela yia.
  • Taim Bilong Bekim: Ol i mas bekim dinau long 12 mun, na ol i ken bekim taim krop i kamap gut.
  • Ol Pei: Pe bilong kirapim dinau emi 1.5%, na pe bilong wokim pepa emi PGK 30.
  • Samting Bilong Strongim Dinau: Ol i ken yusim krop o animal bilong ol long strongim dinau.
• Dinau Grup: Dispela dinau emi bilong ol meri i wok bung wantaim olsem wanpela grup.
  • Hau Bipela Moni: Ol i ken kisim moni i stat long PGK 200 i go inap long PGK 10,000.
  • Rait Bilong Dinau (Intres): Intres bilong dispela dinau emi stat long 14% i go inap long 20% long wanpela yia.
  • Taim Bilong Bekim: Ol i mas bekim dinau long 6 i go inap 18 mun, na grup i save makim taim bilong bekim.
  • Ol Pei: Pe bilong wokim pepa emi PGK 25. Sapos yu bekim let, yu peim 5% bilong liklik pei bilong mun.
  • Samting Bilong Strongim Dinau: Olgeta grup i save strongim dinau bilong ol wanwan.

Dispela ol dinau i soim klia olsem Mama Bank i laik strongim ol meri long PNG long kisim gutpela sindaun na mekim ol liklik biznis bilong ol i kamap bikpela. Ol intres rait na ol pei i save senis, olsem na em i gutpela long askim Mama Bank stret long ol nupela infomesen.

Pasin Bilong Aplikaisen na Teknoloji Bilong Mama Bank

Mama Bank i mekim pasin bilong aplikaisen na kisim dinau i isi long ol meri, maski ol i stap long bus o long taun. Ol i gat planti rot bilong wokim dispela:

Ol Rot Bilong Aplikaisen

• Mama Bank Access Points (MAPs): Ol i gat 6-pela liklik ofis i no stap long bikpela haus bilong baink. Ol MAPs i stap long Morata, Kerema, Madang, Maprik, Goroka, na Port Moresby. Long ol dispela hap, ol wokman bilong Mama Bank i gat tablet na masin bilong ritim fingap bilong helpim ol kastoma.
• Ofis Bilong Bikpela Hed (Fisikel Brans): Bikpela ofis bilong Mama Bank i stap long BSP Waigani Sentral Bilding long Port Moresby.
• Intanet: Ol i gat websait bilong givim infomesen, tasol i no gat ful aplikaisen bilong dinau long intanet. Ol i no gat wanpela app bilong fon i open long olgeta manmeri, tasol ol wokman bilong MAP i save yusim tablet bilong wokim ol wok.

Pasin Bilong Rejista na Kisim Dinau

Taim yu laik rejista, ol i save yusim masin bilong ritim fingap bilong yu. Ol i givim yu wanpela pasbuk bilong yu. Ol i save lukluk long ID bilong yu olsem namba bilong PNG ID o pepa bilong vot. Ol i save askim tu ol lida bilong ples o ol manmeri bilong komiuniti bilong strongim stori bilong yu.

Taim ol i lukluk long dinau bilong yu, ol i gat wanpela liklik pasin bilong lukluk long ol samting. Ol i save lukluk long:

• Fingap bilong yu i stret o nogat.
• Hau moni bilong yu i save kam na go (ol i save toktok long grup bilong yu).
• Hau longpela yu bin sevim moni pinis (yu mas sevim moni inap long 3 mun).
• Wanpela man o meri bilong komiuniti i ken strongim stori bilong yu.

Pasin Bilong Givim Moni na Kisim Bek Dinau

Taim dinau bilong yu i kamap gut, Mama Bank i save givim moni long ol dispela rot:

• Putim moni stret long pasbuk akaun bilong yu.
• Givim moni long mobile money (i gat liklik wok wantaim ol kampani bilong fon).
• Givim moni pes-tu-pes long MAPs.

Bilong kisim bek dinau, ol i gat ol dispela pasin:

• Bungim ol grup olgeta wik bilong kisim ol pei.
• Salim SMS bilong tingim ol manmeri na go lukim ol long haus.
• Wok wantaim ol grup bilong sevim moni bilong ples bilong kisim bek ol dinau i let pinis.

Teknoloji na Hapsait Bilong Mama Bank

Mama Bank i gat wanpela websait bilong givim infomesen, na tu ol i gat LinkedIn peij bilong ol. Ol i no gat wanpela app bilong fon i open long olgeta manmeri, tasol ol wokman bilong MAP i save yusim tablet bilong wokim ol wok bilong baink. Ol i gat 7-pela ples bilong wok nau, na ol i laik kirapim moa MAPs i go inap long 15-pela long yia 2026. Ol i gat klostu 30,000 meri i stap kastoma bilong ol, na planti long ol (65%) i stap long bus. Ol i save helpim ol wok bilong gaden na ol liklik biznis.

Pasin Bilong Gavman i Lukautim na Ples Bilong Em Long Maket

Mama Bank i stap aninit long strongpela lukaut bilong gavman bilong Papua Niugini bilong mekim sure ol wok bilong em i stret na gutpela long ol kastoma. Ol i gat lisens bilong wok olsem wanpela liklik baink i save kisim moni, na dispela lisens i kam long Bank of Papua New Guinea (BPNG) long Mei 2014. Dispela i mekim Mama Bank i stap wanpela bilong ol baink i stap strong na ol kastoma i ken bilip long em.

Lukaut Bilong Gavman

• Lisens: Mama Bank i gat lisens bilong kisim moni na givim dinau, na BPNG i lukautim ol wok bilong em.
• Pasin Bilong Bihainim Lo: Mama Bank i bihainim gut ol lo bilong BPNG bilong Anti-Moni Laundrim (AML) na Katim Terorism Finansing (CTF). Ol i save givim ripot long moni bilong ol olgeta taim, na ol i save mekim sure ol i gat inap moni bilong wok olsem baink.
• Lukaut Long Kastoma: Mama Bank i soim klia ol pei bilong ol dinau bilong em. Ol i save skulim ol meri long pasin bilong lukautim moni. Sapos kastoma i gat wanpela problem o askim, ol i gat rot bilong mekim save long Mama Bank long fri lain bilong fon o long MAP ofis.

Ples Bilong Mama Bank Long Maket

Long Papua Niugini, Mama Bank i save resis wantaim ol narapela liklik baink olsem Nationwide Microbank na MiBank, na tu ol liklik sosaiti bilong sevim moni na kisim dinau. Tasol Mama Bank i gat ol samting i mekim em i narapela tru:

• Fokus Long Meri Tasol: Em i namba wan na em i wanpela liklik baink i save helpim ol meri tasol na famili bilong ol. Dispela i mekim em i stap spesel.
• MAPs: Ol liklik ofis bilong Mama Bank (MAPs) i save kam klostu long ol manmeri long bus na taun, na dispela i helpim planti manmeri i no save go long bikpela baink.
• Biometrik Pasin: Pasin bilong yusim fingap bilong rejista i mekim wok i isi na sef bilong ol kastoma.

Mama Bank i stap long namba 5 ples long ol liklik baink i save kisim moni long PNG, na em i lukautim klostu 10% bilong ol dinau bilong liklik baink long kantri. Ol i wok bung wantaim ol bikpela organisesen olsem UNCDF bilong kirapim ol MAPs na yusim fingap bilong rejista. Ol i gat tingting bilong wok bung wantaim Digicel (bilong mobile money) na PNG Pos bilong kirapim moa ples bilong wok bilong ol long ol narapela hap bilong PNG.

Tingting Bilong Ol Kastoma na Gutpela Tok Bilong Kisim Dinau

Ol kastoma bilong Mama Bank i save givim gutpela tingting long ol sevis bilong em. Planti meri i bilip long Mama Bank, na ol i save givim gutpela mak long wok bilong em:

Tingting Bilong Ol Kastoma

• Satisfaksen: Planti meri i gat gutpela tingting long ol MAPs i stap klostu long ol. Ol i save givim Mama Bank klostu 4.2/5 mak long ol liklik askim bilong ol.
• Grup Dinau: Ol meri i save tok tenkyu long pasin bilong grup dinau, ol i save helpim ol wanwan taim ol i gat hevi.
• Ol Trobol: Wanpela liklik hevi bilong ol kastoma emi long taim ol MAPs i save daun o i no wok gut bikos bilong intanet i no strong.

Sevis Bilong Kastoma

Ol advaisa bilong kastoma i stap long ol MAPs bilong helpim ol manmeri. Mama Bank i gat wanpela fri lain bilong fon sapos ol kastoma i nidim help. Long olgeta taim, sapos i gat wanpela hevi, ol i save stretim long 3-pela de bilong wok.

Pasin Bilong Moni Bilong Mama Bank

Mama Bank i save kisim moni bilong em long PNG Women in Business Foundation na tu ol i kisim grant na dinau long UNCDF na Norad. Long yia 2023, Mama Bank i kisim PGK 2.5 milion net profit, na dispela i soim klia olsem baink i wok gut. Ol dinau bilong em i stap strong, na 93% bilong ol dinau i save kam bek gut taim.

Gutpela Tok Bilong Kisim Dinau Long Mama Bank

Sapos yu wanpela meri i laik kisim dinau long Mama Bank, em i gutpela long yu mas tingim ol dispela samting:

1. Kliaim Ol Pasin Bilong Dinau: Yu mas askim ol wokman bilong Mama Bank long mekim klia long yu olgeta intres rait, ol pei, na taim bilong bekim dinau. Yu mas save gut long olgeta samting.
2. Sapos Yu Ken Bekim: Yu mas save gut long moni bilong yu i save kam na go. Planim gut na mekim sure yu inap bekim dinau long olgeta wik o mun. No ken kisim dinau i bikpela moa long moni bilong yu.
3. Yusim Ol MAPs: Ol MAPs i stap klostu long yu. Go long MAP na toktok pes-tu-pes wantaim ol wokman bilong baink bilong kliaim olgeta askim bilong yu.
4. Skul Long Moni: Sapos yu gat sans, go long ol skul bilong lukautim moni bilong Mama Bank. Dispela bai helpim yu long save gut moa long pasin bilong lukautim moni na biznis bilong yu.
5. Wok Wantaim Grup: Sapos yu go insait long grup dinau, yu mas wok strong wantaim grup bilong yu. Dispela bai givim yu strongpela help na sapot.

Mama Bank i stap bilong helpim ol meri long Papua Niugini long strongim laif bilong ol long rot bilong moni. Sapos yu yusim ol sevis bilong em gut, yu ken kisim bikpela gutpela samting long dispela liklik baink.