Overview blong SPBD Microfinance Vanuatu Ltd
SPBD Microfinance (Vanuatu) Ltd i wan kampani we i stap givim mani loan long ol smol bisnis, mo olgeta i stat wok long Vanuatu long Epril 2017. Kampani ia i wan pat blong wan bigfala netwok we nem blong hem South Pacific Business Development (SPBD), we hed opis blong olgeta i stap long Niu Jersi, Amerika. Long Vanuatu, SPBD i stap speseli blong helpem ol woman we olgeta i stap long ol rural eria we olgeta i gat ol smol bisnis.
Model blong wok blong SPBD i strong long wan rod we olgeta i kolem 'solidariti grup lending'. Hemia i minim se ol woman i mas mekem ol grup blong 5-10 man, mo olgeta i save garanti long wanwan blong olgeta. Afta long ol mani loan, SPBD i givim seving, trening long rod blong yusum mani, mo edukesen long bisnis tu. Stat long taem we olgeta i stat wok, SPBD Vanuatu i bin givim moa long VT 1 bilian long ol loan, we i mekem moa long 24,000 loan. Hemia i soemaot olsem olgeta i stap mekem wan bigfala difrens long laef blong moa long 4,300 aktiv kasoma long Vanuatu.
Olgeta i fokus tumas long ol woman we olgeta i gat smol mani mo olgeta i stap long ol rural eria, we olgeta i nidim mani blong statem o mekem ol bisnis blong olgeta i gohed. Ol kain bisnis ia i save inkludum agrikalsa, ol smol stoa, o ol handikraf. Rod blong olgeta i helpem ol woman ia blong karem mani, we i save strongem famili mo komiuniti blong olgeta tu.
Ol Kain Loan mo Sevis Blong Olgeta
SPBD Microfinance i givim wanap long ol kain mani loan blong mitim ol nid blong ol smol bisnis woman long Vanuatu:
- Grup Microloans: Hemia ol standad mani loan we olgeta i givim long ol grup blong helpem ol smol bisnis blong ol memba. Ol loan ia i stap blong mekem bisnis i gohed o blong pem ol namba wan samting blong bisnis.
- Revival Loans: Hemia ol loan we i spesel blong helpem ol man afta long wan bigfala kalamiti o taem we ol bisnis i harem nogud. Mani loan ia i save kam kasem VT 150,000 blong givim wan narafala stat long ol bisnis we i harem nogud.
- Education Loans: Infomesen ia i no klia gud yet, be olgeta i save givim mani loan blong helpem ol pikinini blong go skul.
- Home Improvement Loans: Infomesen ia i no klia gud yet, be olgeta i save givim mani loan blong wokem o mekem haos i kam moa gud.
- SME Loans: Infomesen ia i no klia gud yet, be olgeta i save givim ol loan we i bigwan lelebet long ol smol mo midel saes bisnis.
Long saed blong ol mani loan, olgeta i stat long VT 25,000 mo i save go kasem VT 350,000 long wanwan loan saekol. Long saed blong ol intres, olgeta i save stap long 2.5% kasem 3.5% long wanwan manis. Hemia i minim olsem intres blong wan yia fulap (APR) i save kam kasem 30% kasem 45%. Taem blong pei bak ol loan i stap long 6 kasem 12 manis blong ol standad loan, mo i save go kasem 24 manis blong ol Revival Loans. Olgeta i kolektem mani long wanwan wik long ol mitting blong grup.
Long saed blong ol fi, olgeta i gat wan flat fi blong VT 1,000 blong statem loan. Sipos wan kasoma i let long peimen, olgeta i nidim blong pei VT 500 blong wanwan let peimen. Long saed blong seving, i no gat fi blong pulum mani. Blong garanti, ol grup memba i stap garanti long wanwan blong olgeta. Long ol narafala loan, olgeta i save askem wan narafala man blong garanti o putum wan samting daon.
Ol Rod Blong Wan Man i Karem Loan mo Ol Opereisen Blong Olgeta
Rod blong aplae blong karem wan loan long SPBD i spesel long rod blong olgeta i wok wetem ol komiuniti. Olgeta i no gat wan ap long fon o wan web saet blong aplae loan long intanet. Ol aplikesen i stap hapen long ol mitting blong grup long wanwan wik long ol vilij. Olgeta i wok long Efate, Santo, Malekula, mo Tanna. Ol loan ofisa, we olgeta i kolem Center Managers, i stap go long ol mitting ia blong kolektem ol peimen, givim trening, mo helpem ol kasoma.
Taem wan man i wantem karem loan, olgeta i mas soemaot wan ID we Gavman i givim, mo wan narafala man blong konfem long hem. Namba wan samting we i impoten, ol man blong askem loan i mas mekem wan grup blong 5-10 memba. Olgeta i mas go long wan mandatory trening blong 1-2 aua long rod blong yusum mani mo save long bisnis bifo olgeta i karem mani. Olgeta i stap lukluk long inkam blong bisnis mo haomas bisnis ia i save gohed. Desisen blong givim loan i stap kam long Center Manager, mo wan Credit Committee long Port Vila i stap review-im hem.
Mani loan i stap kam long kas long ol mitting blong grup. Infomesen ia i no klia gud yet, be long ol narafala loan, olgeta i save putum mani long akaon blong man long Bank South Pacific o ANZ. Mani long fon i no insaed long rod blong olgeta blong givim mani yet. Olgeta i kolektem ol peimen long wanwan wik long ol mitting long vilij. Presa blong grup i helpem tumas blong mekem ol loan i pei bak long taem, mo namba blong ol loan we i let peimen i stap daon lelebet long 2%.
Regulesen mo Posisen Blong Olgeta Long Maket
SPBD Microfinance (Vanuatu) Ltd i wan kampani we Gavman Bank blong Vanuatu (RBV) i givim laesens long hem blong wok olsem wan microfinance institusen, folem Microfinance Act blong yia 2016. Hemia i minim se olgeta i mas folem ol rul mo lo blong Gavman Bank blong Vanuatu, speseli long saed blong protektem ol kasoma. Olgeta i stap mekem ol akaon oditing wanwan yia blong soemaot olsem olgeta i stap wok stret. Infomesen ia i no klia gud yet, be i no gat stori blong wan narafala aksen we Gavman i tekem long olgeta.
Long maket blong ol smol mani loan long Vanuatu, SPBD i wan long ol faef kampani we Gavman i givim laesens long olgeta. Olgeta i estimetem se olgeta i holem raon 25% blong maket blong ol smol mani loan long ol rural eria. Ol narafala kampani we i stap kompit wetem olgeta i inkludum VANWODS, World Vision Microfinance, mo ol smol loan blong Bank South Pacific (BSP). SPBD i difren long ol narafala kampani from olgeta i fokus tumas long ol woman-only grup blong givim loan, mo olgeta i gat wan spesel rod blong givim Revival Loans blong helpem ol man afta long wan kalamiti. Hemia i mekem olgeta i wan strong pleia long maket.
Long saed blong kam bigwan, SPBD i gat plan blong traem wan niu rod blong givim mani loan long intanet, yusum mani long fon tu. Hemia i wan plan we olgeta i wantem traem long 2026, wetem help blong Gavman Bank blong Vanuatu. Olgeta i lukluk tu long rod blong wok wetem ol kampani blong fon (telcos) blong mekem ol agent netwok blong olgeta i kam moa bigwan. SPBD i stap wok tu wetem ol narafala organisesen olsem MicroDreams, UNCDF, mo RBV blong strongem ol wok blong olgeta long saed blong mekem ol sevis blong mani i kam klia long ol man blong Vanuatu.
Tingting Blong Ol Kasoma mo Ol Advajes Long Ol Loan
Ol stori blong ol kasoma i soemaot se olgeta i glad long rod blong SPBD i wok wetem olgeta, speseli long ol mitting blong grup mo ol trening we olgeta i givim. Ol mitting ia i givim wan gudfala rod blong ol woman i save jarem ol stori blong olgeta, lainim ol niu tingting long bisnis, mo kasem sapot long wanwan blong olgeta. Wan stori i soemaot olsem wan kasoma we nem blong hem Lorina i bin yusum wan Revival Loan blong mekem bisnis blong hem long kava mo ol suvenia i kam bigwan. Hemia i soemaot olsem ol loan ia i save mekem wan bigfala difrens long laef blong ol man.
Be i gat sam samting we ol kasoma i stap komplain long hem. Namba wan, intres blong wan yia fulap (APR) i hae lelebet taem yu komperem wetem ol intres blong ol narafala bank. Namba tu, olgeta i no gat tumas rod blong yusum intanet o fon blong wok wetem olgeta. Ol kasoma i mas go long mitting wanwan wik long vilij, mo i no gat wan ap long fon we olgeta i save yusum blong mekem ol wok blong olgeta. Be, ol Center Managers i stap givim gudfala sapot long ol kasoma, mo ol mitting blong wanwan wik i helpem blong solvem ol problem kwiktaem.
Hemia sam advaes blong ol man we i wantem karem loan long SPBD:
- Andastanem Ol Rul: Bifo yu aplae, mekem sua yu andastanem gud ol intres reit, ol fi, mo ol taem blong pei bak. Asektem ol trening blong olgeta blong yu karem moa save long mani.
- Mekem Gudfala Grup: Sipos yu plan blong joen wan grup, jusem ol man we yu trastem olgeta mo we olgeta i komited blong wok tugeta mo pei bak ol loan.
- Mekem Plan Blong Pei Bak: Mekem sua yu gat wan klia plan blong haomas yu save pei bak wanwan wik. Loan i save helpem bisnis blong yu, be yu mas save pei bak hem.
- Askem Kwestin: Sipos yu no klia long wan samting, askem Center Manager blong yu. Olgeta i stap blong helpem yu.
- Mekem Seving: Andastanem impoten blong mekem seving. SPBD i givim sevis blong seving tu, we i save helpem yu blong bilidem wan smol seving blong olgeta taem.
SPBD Microfinance Vanuatu Ltd i wan impoten kampani we i stap givim help long ol smol bisnis woman long ol rural eria blong Vanuatu. Wetem rod blong olgeta we i strong long komiuniti mo plan blong kam bigwan long saed blong teknoloji, olgeta i stap mekem wan bigfala difrens long laef blong ol man long Vanuatu.
