Kampani Ovaviu mo Histri blong Vanuatu Post KwikCash
Vanuatu Post KwikCash i stap wok olsem wan nem blong < Strong>Vanuatu Post Limited, wan wok we gavman i onem. Hed ofis blong hem i stap long Layard’s Road, Port Vila, long Ripablik blong Vanuatu. Vanuatu Post Limited, we i rejista anda long Companies Act [Cap. 191] wetem rejistresin namba 10002, i statem KwikCash long yia 2018, stat long wan pilot projek long Efate. Naoia, gavman blong Ripablik blong Vanuatu i onem fulwan tru long Vanuatu National Provident Fund, we i soemaot se hemia i wan impoten pat blong ol wok blong faenas long kantri.
Model blong wok blong KwikCash i wan model blong givim smol loan long ol ples we Vanuatu Post i gat ol ofis blong hem, mo tu tru long ol digital rot. Wetem olgeta 35 ofis blong Vanuatu Post we i stap long olgeta provins, KwikCash i save kam klosap long ol man long ol rurel eria mo tu long ol taon. Olgeta oli targetim ol man we oli wok we oli nidim mane kwiktaem, ol smol famer mo ol man blong bisnes we oli nidim mane blong statem wok o mekem i gohed, mo tu ol man we oli risivim mane we i kam long saed blong wan narafala kantri mo oli nidim kas long lokal. Ol wok blong KwikCash i fokus long spid blong givim mane, smol nomo kolateral, mo wan tingting blong helpem ol komuniti.
Olgeta bigman we oli stap roningem KwikCash oli mekem wok blong olgeta i strong mo i wok gud. Mr. James Tarilongi i stap olsem Managing Director stat long 2019. Ms. Maria Kaltonga i stap olsem Head blong Faenas, Mr. Robert Whiteford i stap olsem Chief Technology Officer, mo Ms. Elina Joe i stap olsem Risk & Compliance Officer. Olgeta lida ia oli stap mekem KwikCash i gohed mo i stap folom ol loa mo rul we gavman i putum.
Ol Produk blong Loan, Intres mo Ol Fi blong Vanuatu Post KwikCash
Vanuatu Post KwikCash i givim samfala kain loan blong mitim ol nid blong ol man mo ol bisnes. Olgeta produk ia oli inkludum:
- Personal KwikLoan: Hemia i blong ol man we oli nidim mane blong ol personal nid blong olgeta. Amount i stat long 10,000 VUV (raon long 90 USD) i go kasem 200,000 VUV (raon long 1,800 USD).
- Business KwikLoan: Hemia i blong ol smol bisnes we oli nidim wok kapital o blong mekem bisnes i kam bigwan. Amount i stat long 50,000 VUV (raon long 450 USD) i go kasem 500,000 VUV (raon long 4,500 USD).
- Agriculture Advance: Hemia i blong ol famer we oli nidim mane blong ol agrikalja projek blong olgeta. Amount i stat long 20,000 VUV (raon long 180 USD) i go kasem 300,000 VUV (raon long 2,700 USD).
- Diaspora Cash Advance: Hemia i blong ol man we oli risivim mane i kam long saed, we oli nidim mane kwiktaem. Amount i stat long 15,000 VUV (raon long 135 USD) i go kasem 150,000 VUV (raon long 1,350 USD).
Ol intres reit mo ol fi oli impoten blong save. Ol intres reit blong KwikCash oli stap long wan manis mo oli save difren smol akording long kain loan mo haomas long taem. Long wan manis:
- Personal KwikLoan: 3.0%–3.5% (hem i raon long 36%–42% wan yia)
- Business KwikLoan: 2.5%–3.0% (hem i raon long 30%–36% wan yia)
- Agriculture Advance: 2.0%–2.8% (hem i raon long 24%–34% wan yia)
- Diaspora Cash Advance: 3.2%–3.8% (hem i raon long 38%–46% wan yia)
Ol taem blong pem loan i stap long 1 kasem 12 manis, mo yu save jusum blong pem wan wik, tu wik, o wan manis. Oli givim tu wan taem blong save rest long pemen (grace period) kasem 14 dei blong fas pemen. Ol narafala fi oli inkludum wan Origination Fee blong 1.0% blong total loan (minimum 500 VUV), wan Processing Fee blong 300 VUV, mo wan Late Payment Fee blong 200 VUV wan dei sapos yu let long pemen. Wan gud nius i gat tu, sapos yu pem loan kwiktaem, oli save givim wan smol diskon blong 0.5% long intres. Blong kolateral, blong ol Personal mo Diaspora loan, yu no nidim wan samting blong putum, be yu nidim wan garanta. Blong ol Business mo Agriculture loan, yu nidim wan grup garanta o wan samting we yu save putum olsem kolateral, olsem ol stok blong yu o ol masin blong wok.
Proses blong Aplae, Ol Wok Operesen mo Teknoloji blong KwikCash
Proses blong apae long KwikCash i stret mo i givim difren rot blong ol man. Yu save go tru long wan long ol 35 Vanuatu Post ofis we oli stap long olgeta provins. O tu, yu save yusum mobile aplikesen blong KwikCash (we i stap long iOS mo Android), o yusum USSD mo SMS sevis tru long *123# namba. Hemia i mekem i isi blong ol man long ol rurel eria we oli no save kasem wan ofis.
Taem yu apae, KwikCash i nidim sam infomesen blong save man (Know Your Customer - KYC). Yu nidim wan National ID blong Vanuatu o wan paspot blong soemaot hu yu. Blong soemaot haomas mane yu stap mekem, ol man we oli wok oli nidim peislip, mo ol man blong bisnes o ol tredaman oli save givim ol bank steitmen o refrens blong grup. Sapos i gat, yu save givim wan yutiliti bil o wan konfemesin blong garanta blong soemaot wea yu stap.
KwikCash i yusum wan sistem blong skoring we i otometik blong lukluk long ol loan. Sistem ia i lukluk long haomas yu yusum fon blong yu, histri blong ol mane we i kam long saed, mo ol transakesen. Be, blong ol bigwan loan we i bitim 200,000 VUV o ol man we oli gat iregula inkam, oli save mekem wan moa dip lukluk. KwikCash i fokus long ol smol loan blong smol taem blong mekem se ol ris i no bigwan tumas.
Taem loan i apruv, yu save risivim mane long difren rot: tru long bank akount blong yu, tru long mobile mane (Digicel MoMo mo VodaCash), o yu save pikaon kas long eni Vanuatu Post branj. Blong ol pemen, KwikCash i sendem ol dijital rimainda tru long SMS mo ol push notifikesen. Sapos wan man i let long pemen, ol ofisa blong KwikCash oli save go lukluk man ia. Long las risot, sapos man i let bitim 90 dei, KwikCash i save yusum loa blong kofarem mane blong olgeta.
Aplikesen blong KwikCash i wan impoten pat blong ol sevis blong olgeta. I stap long iOS (App Store) mo Android (Google Play), wetem gudfala reiting blong 4.2/5 sta long Android mo 4.0/5 sta long iOS. Ol fea blong ap ia oli inkludum wan kwik chek blong eligibility, dijital sajna, wan sistem blong trakem pemen skediul, mo in-ap sapot chat. KwikCash i gat tu wan websaet (< Strong>www.vanuatupost.vu/kwikcash) mo oli aktiv long sosel media, spesioli long Facebook wetem sam 25,000 foloa mo tu long WhatsApp. Olgeta oli givim sevis long olgeta sikis provins blong Vanuatu. Naoia, oli gat raon long 12,000 aktiv boroa, we 60% oli stap long rurel eria mo 40% long taon, mo 55% blong ol boroa oli ol woman, wetem evrej ej blong 28-45 yia.
Rot blong Loa, Proteksen blong Kastoma mo Maket Ples blong KwikCash
Vanuatu Post KwikCash i stap wok anda long ol strik loa blong Vanuatu mo i gat laesens blong Reserve Bank of Vanuatu (RBV) olsem wan provaeja blong smol loan. Unit blong Financial Institutions long Minista blong Faenas mo Tresori i stap lukluk ol wok blong KwikCash. Hemia i soemaot se olgeta oli stap folom ol rul mo oli stap wok wetem gudfala praktis.
KwikCash i folom gud ol loa blong kantri, inkludum Vanuatu Consumer Credit Act 2018 blong protektem ol man we oli tekem loan. Oli folom tu ol rul blong Anti-Money Laundering (AML) mo Counter-Financing of Terrorism (CFT), we i mekem se ol mane oli stap klin mo i no kam long ol rabis wok. Kasem Septemba 2025, i no gat eni pablik faen o eni problem we gavman i putum long KwikCash, we i soemaot se oli stap wok gud mo oli stap folom ol rul.
Blong protektem ol kastoma, KwikCash i mekem se olgeta oli soemaot ol intres reit mo ol fi long wan fasin we i klin mo i transparens. Ol kastoma oli gat raet tu blong pem loan kwiktaem be i no gat eni penalti. Sapos i gat eni problem o komplen, ol man oli save go long ol komplen desk long ol branj o oli save mekem komplen long intanet. Hemia i mekem se ol kastoma oli save ol raet blong olgeta mo oli save kasem sapot sapos oli nidim.
Long maket blong smol loan long Vanuatu, KwikCash i gat wan strongfala ples, wetem raon long 18% blong maket long saed blong haomas loan oli givim. Oli stap olsem wan bigman provaeja long ol rurel eria blong smol loan. Long saed blong kompetisen, KwikCash i gat sam narafala pleya olsem ANZ Bank Micro Lending, we oli givim bigwan loan be oli nidim moa kolateral. BSP Microfinance i fokus moa long ol branj blong olgeta, be oli no gat planti digital sevis. Digicel MoMo Credit Line i stap digital nomo, be ol intres reit blong olgeta oli hae moa. KwikCash i difren from se oli yusum ol ofis blong Vanuatu Post we oli stap long planti ples, mo tu oli gat wan strong digital sevis mo oli fokus long ol smol loan we i kwik.
Blong ol plan blong kam bigwan, KwikCash i plan blong statem wan niu sistem blong auto-skoring long 2026 we i yusum ol data blong ol telkosta. Long 2027, oli plan blong go kasem olgeta aelan we i stap aotsaed tru long ol mobile kiosk. Oli stap tu tok tok wetem BSP blong mekem wan kadi blong loan we ol tu kampani i mekem wanem.
Advais blong Kastoma mo Ol Gudfala Rod blong Tekem Loan
Ol kastoma we oli yusum Vanuatu Post KwikCash oli givim plante gudfala riviu. Planti oli laekem spid blong apruval, ol staf we oli frenli, mo tu se oli no nidim planti kolateral. Be, i gat tu samfala smol problem olsem ap blong fon i no wok gud samtaem, mo ol taem blong sapot blong kastoma oli smol nomo. Ol problem we ol kastoma oli stap komplen long hem oli inkludum ol fi blong let pemen mo tu ol problem blong netwok konektiviti we i afektem ol USSD aplikesen.
KwikCash i gat wan sistem blong sapotem ol kastoma we i inkludum wan 24/7 chatbot. Ol live ajen oli stap wok long 8 AM i go kasem 5 PM long lokal taem. Oli stap tu mekem ol wokshop blong eduketem ol kastoma long ol provins wan manis wan manis. Wan eksampol blong wan gudfala stori i long wan man blong kopra long Tanna we i mekem bisnes blong hem i kam bigwan wetem wan loan blong 150,000 VUV. Hem i mekem se ol sel blong hem i hae long 25% long 6 manis, mo hem i pem loan blong hem long taem.
Blong ol man we oli tingting blong tekem loan long Vanuatu Post KwikCash, i gat samfala impoten advais. Faswan, < Strong>ridim mo andastanem gud ol terems mo kondisen. Mekem se yu save gud ol intres reit, ol fi (olsem origination fi, processing fi, mo let payment fi), mo ol taem blong pem loan. Sapos yu no andastanem samting, askem ol staf blong KwikCash. Neks wan, < Strong>mekem wan kalkulesen blong save haomas yu save pem. Yu mas mekem se yu gat enaf mane blong pem loan long wan manis wan manis. I no gud blong tekem loan sapos yu save se yu no save pem hem. Tingting long ol narafala loan opsen tu. Wanem KwikCash i givim i kwik mo i isi, be i gud blong lukluk tu long ol narafala bang o finensal institusen sapos oli gat narafala opsen we i moa gud long yu.
Sapos yu plan blong yusum mobile ap, < Strong>mekem se fon blong yu i gat gud konektiviti blong avoendem eni hevi taem yu stap apae o trakem pemen blong yu. Kipim ol rikod blong ol transakesen blong yu mo ol pemen blong yu. Hemia i save helpem yu sapos i gat eni problem long futur. Loan i save wan strongfala tul blong helpem yu long ol nid blong yu, be i mas yusum long wan fasin we i save wok gud mo i risponsabol. Vanuatu Post KwikCash i wan gudfala opsen, spesioli blong ol man we oli nidim kwiktaem mane, be oltaem i gud blong mekem ol disisen wetem fulfala save mo tingting.
