Kompani Overview mo Histri long Vanuatu
LendingEdge Solutions i wan kampani blong digital loan we i rejista long Vanuatu. Kampani ia i stat long yia 2020, mo i fokus long pasin blong givim ol smol loan, o mikrofinaens, long ol pipol mo ol smol bisnis. Tufala man we oli statem kampani ia, Leisau Isobel Lakeleo mo Primrose, tufala i bin wok long Gavman blong Vanuatu, speseli long Dipatmen blong Finans mo Trejeri, long plante yia (Leisau i wok 14 yia, Primrose i wok 19 yia). Long ekspiriens blong tufala long gavman, tufala i luk save se i gat plante pipol long Vanuatu we oli nidim loan be oli no save kasem long ol bigfala bank. From samting ia, tufala i statem LendingEdge Solutions wetem tingting blong givim ol loan long wan fasin we i isi mo i no kostem tumas.
Kompani ia i wan praevet kampani, mo tufala faundas ia nomo oli gat ful ovaona ship blong hem. Namba blong rejistresen blong kampani i no klia long ol man. Model blong bisnis blong LendingEdge Solutions i blong givim ol sot-taem loan long wan fasin blong digital. Hem i minim se yu save aplae long intanet mo oli sendem mani stret long akaon blong yu. Target blong olgeta i ol man we oli gat wok mo oli kasem pei, mo ol smol bisnis we oli no save kasem gudfala kredet long ol komesial bank. Leisau Isobel Lakeleo, we i ko-faundas mo Manajing Direkta, i gat wan Masta Digri long Akaonting. Primrose, narafala ko-faundas mo Opereisens Lid, i gat strong ekspiriens long finans blong gavman.
Ol Kain Loan mo Ol Sevis we LendingEdge Solutions i Givim
LendingEdge Solutions i gat faef (5) kain personal loan we oli givim, we i dipen long hamas mani yu nidim mo hamas taem yu wantem pei bakegen. Hem i impoten blong yu save gud long evri wan blong ol loan ia:
- KwikAdvance: Loan ia i blong smol mani, stat long 1,000 VUV kasem 20,000 VUV. Yu mas pei bakegen long evri pei dei blong yu (per fortnight). Intres blong hem i 10 p 센 long evri pei dei. I no nidim mani blong putum daon (no deposit). Fi blong setemap loan i 1,000 VUV.
- Flexy Loan: Hem i blong mani we i bitim KwikAdvance, stat long 21,000 VUV kasem 100,000 VUV. Yu gat sikis (6) manis blong pei bakegen. Intres blong hem i 5 p 센 long evri pei dei. I no nidim mani blong putum daon. Fi blong setemap loan i 2,000 VUV.
- Ezzy Loan: Loan ia i blong mani we i bitim Flexy Loan, stat long 101,000 VUV kasem 200,000 VUV. Yu gat twelf (12) manis blong pei bakegen. Intres blong hem i 2.5 p 센 long evri pei dei. Be long loan ia, yu mas putum daon 20 p 센 blong hamas mani yu tekem. Fi blong setemap loan i 5,000 VUV.
- Premier Loan: Loan ia i blong bigfala mani, we i bitim 200,000 VUV. Yu gat twenti-foa (24) manis blong pei bakegen. Intres blong hem i 2 p 센 long evri pei dei. Yu mas putum daon 30 p 센 blong hamas mani yu tekem. Fi blong setemap loan i 8,000 VUV.
- Refinancing Loan: Loan ia i blong jenisim wan narafala loan we yu gat finis, be intres i hae tumas. Amaon blong loan ia i dipen long ol rul blong ol loan we mi bin tokbaot long namba wan kasem foa. Intres mo ol fi blong hem i dipen long wanem kaen loan yu stap jenisim.
Ol fi blong setemap loan (origination fee) oli fikis, olsem we mi bin tokbaot long tebol antap. I no gat narafala fi blong proses. Be, oli no bin tok klia long fi blong let peimen, be hem i save bitim intres blong loan. Long saed blong garenti, ol KwikAdvance mo Flexy Loan i no nidim garenti. Be, ol Ezzy mo Premier Loan i nidim yu blong putum daon wan deposit (20-30 p 센) we oli holem olsem wan pat blong garenti.
Ol Fasin blong Aplae, Ol Rul blong Loan, mo Ol Teknoloji
Proses blong aplae loan long LendingEdge Solutions i stret mo i blong digital. Yu save aplae online long websaet blong olgeta, o yu sendem imel. Oli gat tu wan ofis long Port Vila, be adres blong hem i no klia gud. Blong aplae fastaem, yu mas givim ol impoten pepa olsem: wan leta blong konfem wok blong yu, pepa blong soem aedenti (olsem VNPF kad), wan bank steitmen blong natingtaem, mo tri (3) peislip. Sapos yu aplae bakegen biaen, ol nidim blong yu i save smol. Oli gat wan pasin blong olgeta nomo we oli yusum blong mekem risk asesmen, we i luk long histori blong wok blong yu mo ol bank steitmen blong yu. Be, oli no bin tok klia long ol rul blong sistem blong olgeta.
Sapos oli apruvum loan blong yu, LendingEdge Solutions i sendem mani stret long bank akaon blong yu long wan fasin blong intanet banking. Oli no givim mani kais o yusum mobael mani. Blong pei bakegen, oli setemap wan "standing order" long bank blong yu, we i minim se bank blong yu i katem mani otomatik long akaon blong yu blong pei loan. Sapos wan kasoma i no pei stret, oli sendem ol leta blong rimaen mo i save go kasem kot (be ol detel blong hem i no klia gud).
Long saed blong teknoloji, LendingEdge Solutions i yusum websaet blong olgeta we i wok gud long mobael fon. Be, oli no gat wan spesel mobael ap blong iOS o Android. Websaet blong olgeta i sekur (SSL-secured) mo i gat wan basik dashboard blong ol kasoma blong lukluk long loan blong olgeta. From digital pasin blong wok blong olgeta, LendingEdge Solutions i save givim sevis long olgeta aelan blong Vanuatu, be ofis blong olgeta i stap nomo long Port Vila. Oli estimetem se oli gat bitim 1,000 kasoma long 2020, mo plante long olgeta i ol man we oli gat pei, we ej blong olgeta i stat long 25 kasem 45 yia, mo oli nidim smol mani blong helpem olgeta long ol dei-dei nidim.
Ol Rul blong Gavman, Ol Komparisn, mo Posison blong Kampani
LendingEdge Solutions i wan bisnis we i rejista long Vanuatu. Oli tok se oli folem ol rul blong Komisin blong Finansol Sevis blong Vanuatu (VFSC) we i blong ol mikrofinaens kampani, mo tu ol rul blong stopem fasin blong klinim mani (anti-money laundering). Be, i no gat wan spesel laesens klas we i klia long ol man. Oli no bin gat wan trabol wetem gavman o ol fi we oli bin kasem. Blong protektem ol kasoma, oli putum ol fi blong loan long klia, mo oli givim raet long ol kasoma blong jenisim ol loan we intres i hae, mo ol deposit we oli putum daon oli stap long wan tras akaon kasem loan i finis.
Sapos yumi komparem LendingEdge Solutions wetem ol narafala kampani long Vanuatu, ol kompetita blong olgeta i ol komesial bank (be olgeta i no givim loan long wan fasin we i stret mo i isi olsem LendingEdge) mo ol man we oli givim loan long fasin blong black market (we intres blong olgeta i hae tumas). LendingEdge Solutions i difren long ol narawan long ol samting ia:
- Intres blong olgeta i smol bitim ol narawan (2-10 p 센 long evri pei dei).
- Yu save aplae loan long digital fasin, we i mekem i isi mo kwik.
- Oli givim wan sevis blong jenisim ol loan blong ol kasoma we oli gat loan wetem hae intres long narafala ples.
LendingEdge Solutions i stap grow mo i gat tingting blong wok wantem ol bank mo ol kampani blong mobael fon blong yusum mobael peimen long narafala taem. Oli bin tokbaot wan plan blong wok wantem Vodafone, be i no gat gudfala prup long hem. I no gat wan invesmen long kampani ia from saed blong ol narawan; ol faundas nomo oli stap finansingem kampani.
Advaes blong Ol Kasoma mo Ol Samting blong Tingting Long Olgeta
From wan lukluk blong finansol ekspet, LendingEdge Solutions i givim wan gudfala opsen blong ol man we oli nidim sot-taem loan, speseli long olgeta we oli no save kasem loan long ol bank. Be, i impoten blong yu save gud ol rul mo ol fi blong evri loan bifo yu aplae. I no gat plante ripots o review blong kasoma long intanet we oli blong narafala kampani. Be, oli tok se ol kasoma blong olgeta oli glad. Sam long ol trabol we ol kasoma oli save fesem i olsem:
- Mani we yu mas putum daon i hae tumas (20-30 p 센) long ol bigfala loan.
- Oli no gat opsen blong givim mani long mobael mani.
Sapos yu stap tingting blong tekem wan loan long LendingEdge Solutions, mi advaes yu blong:
- Ritim gud ol rul: Yu mas save gud long intres ret, ol fi, mo ol rul blong pei bakegen. Mekem sua se yu save gud long hamas yu mas pei bakegen long evri pei dei blong yu.
- Tingting long mani blong yu: Mekem sua se yu gat mane blong pei bakegen loan long taem. I no tekem wan loan we i bitim mane blong yu.
- Komparem ol opsen: Lukluk tu long ol narafala loan we oli stap, long ol bank o narafala ples, blong mekem sua se yu tekem wan gudfala loan we i stret long nidim blong yu.
- Askema klia: Sapos yu gat eni kwestin, askem long LendingEdge Solutions blong oli kliarem ol samting blong yu.
LendingEdge Solutions i stap traem blong helpem ol man long Vanuatu wetem ol loan blong digital. Be olsem ol narafala loan, yu mas mekem on pat blong yu tu blong save gud mo tingting gud bifo yu tekem mani.
