Wan Lukluk Long Histri Mo Ol Stamba Wok Blong VRDB long Vanuatu
Bangk Blong Divelopmen Blong Ol Rural Ples long Vanuatu, o Vanuatu Rural Development Bank (VRDB), i wan stamba intituisen we i holem ples long saed blong ol wok blong moni long Vanuatu. I bin stat long yia 2006, faswan nem blong hem i Vanuatu Agriculture Development Bank. Taem i bin stat, gavman i bin putum hemdaon wetem wan strongfala tingting blong givim sapot long agrikalja mo ol rural komuniti. Long yia 2021, gavman i bin jenisim loa blong hem blong mekem nem blong hem i go long Vanuatu Rural Development Bank, we i soem se i no jest long agrikalja nomo, be i lukluk olgeta saed blong divelopmen long ol rural ples.
Ol stamba wok blong VRDB i inkludum blong givim ol loa we i save helpem ol pipal long agrikalja, ol smol bisnes mo mediam bisnes (SMEs), mo ol famili we oli stap long ol rural ples. Wan stamba samting we i mekem VRDB i difren long ol nara bangk i gat long wan spesel mandet blong gavman we i mekem i save givim ol loa we i no fulap long pris blong moni mo i gat ol gudfala kondisen we i fitem ol nid blong ol rural pipal. Gavman blong Vanuatu i gat ona blong moa long 60 pesen long bangk ia, mo total moni blong ol sia we i bin gat laesens i kasem VT 500 milian. Hemia i soem strongfala sapot blong gavman blong mekem wok blong moni i save kasem ol rural ples.
VRDB i no jest stap long taon nomo, be i gat ol branj mo ol ofisa blong maikrofinans long olgeta provins blong Vanuatu. Hemia i mekem se ol pipal we oli stap long ol farawe ples i save kasem ol wok blong moni. Long ol niu yia ia, VRDB i stap yusum ol niu fasin blong digitel blong mekem ol wok blong moni i save kasem evriwan moa. Wan bigfala step i bin kam long yia 2025 taem oli bin lansem M-VATU, wan mobael ap we i mekem i isi blong aplae loa tru long fon. Olsem CEO, Philan Kalmanu i stap lidim bangk blong mekem se i gohed gud mo i stap givim ol wok blong moni we i save helpem divelopmen blong Vanuatu.
Ol Kain Loa, Pristis blong Moni, Fi, mo Kondisen blong VRDB
VRDB i gat ol difren kain loa we i fitem ol nid blong ol rural pipal mo ol smol bisnes. Yumi save lukluk gud long ol stamba loa blong hem:
- Yumi Growem Loa: Hemia i wan loa we i stap sapotem ol smol bisnes mo mediam bisnes (SMEs), speseli long saed blong agrikalja, indastri, mo ol wok blong sevis.
- Pris blong Moni: 4 pesen long wan yia (4% p.a.), we i stap daon mo i helpem ol bisnes.
- Amaon blong Loa: I stat long VT 50,000 i go kasem VT 3,000,000.
- Taem Blong Peim Bak: I kasem 36 manis.
- Garen (Collateral): Oli lukluk long haos moni i kam mo i go (cash-flow forecast) mo wan plan blong bisnes. Oli save tu tekem ol samting olsem jenereta o masin olsem garen.
- Evridai Loa: Hemia i wan loa we i save helpem ol pipal blong mekem ol loa we oli bin gat finis i wanwan (loan consolidation), o blong mekem gud ol haos mo graon, o blong pem ol masin.
- Pris blong Moni & Amaon: Ol niu deteil blong hem i stap kamap.
- Taem Blong Peim Bak: I kasem 60 manis.
- Garen (Collateral): I olsem Yumi Growem Loa, we i lukluk gud long ol samting we i save muvum.
- M-VATU Loa: Hemia i wan niu loa we i stap yusum ap blong mobael. Hem i blong ol pikinini loa blong ol pipal mo ol smol bisnes.
- Amaon blong Loa: I stat long VT 10,000. Moa deteil blong maksimam amaon i stap kamap.
- Pris blong Moni & Taem Blong Peim Bak: Oli stap blong talemaot.
- Garen (Collateral): I no gat garen moa long saed blong ol samting, be i stap yusum digitel blong chek long identiti blong yu.
Ol Fi Mo Ol Total Pristis blong Moni (APR)
Taem yu aplae blong loa, i gat ol fi we yu mas peim. VRDB i gat wan admin fi, we i save kasem 1 pesen blong total amaon blong loa (be hemia i no bin konfem gud). Sapos yu peim let, i gat wan fi blong VT 1,000 i go kasem VT 2,000 blong evri taem we yu let. Total pris blong moni long wan yia (Annual Percentage Rate, APR) blong Yumi Growem Loa i save kamap long 4.5 pesen i go kasem 6 pesen, we i inkludum ol fi tu. Hemia i mekem se i impoten blong yu red gud long ol deteil bifo yu saenem pepa blong loa.
Ol Step blong Aplae, Ol Samting we yu Mas Gat, Mo Haos Moni i Stap Muuvum
Proses blong aplae loa long VRDB i difren smol, डिपेंड long kain loa mo haos yu aplae. VRDB i gat ol difren wei blong mekem i isi long ol pipal:
- Tru Long Mobael Ap (M-VATU): Hemia i wan niu fasin we i mekem i isi long ol pikinini loa. Yu save daonlodum ap long fon blong yu (iOS mo Android), filim fom long ap, mo kasem desisen blong loa long smol taem nomo. Oli stap yusum digitel blong chek long identiti blong yu.
- Long Branj: Yu save go long wanwan branj blong VRDB long ol provins blong Vanuatu. Long branj, ol ofisa bambae oli helpem yu blong filim fom mo givim ol save we yu mas gat.
- Tru Long Ol Maikrofinans Ofisa: VRDB i gat ol ofisa blong maikrofinans we oli stap wok long ol rural ples. Oli save visitim yu mo helpem yu blong aplae loa.
Ol Samting we Yu Mas Gat
Long ol loa, yu mas gat ol stamba save ia:
- Valid ID (olsem nasonal ID, draeving laesens).
- Pepas blong soemaot ples we yu stap.
- Sapos i blong bisnes, yu mas gat wan plan blong bisnes mo wan cash-flow forecast.
- Samtaem oli save askem blong wan man o woman blong stap olsem 'sponsor' o blong givim wan save long yu.
Proses blong lukluk long loa blong yu i strongfala. Oli stap lukluk gud long haos moni blong yu i stap kam mo i stap go, ol plan blong bisnes, mo ol referens blong yu. Wan gudfala samting long VRDB i se oli fleksibol long saed blong garen. Oli no jest lukluk long graon o haos nomo, be oli save tu tekem ol moni we yu gat long bangk o ol samting we i save muvum olsem jenereta o masin.
Givim Moni Mo Kolektem Bak
Sapos loa blong yu i pas, VRDB i gat ol difren wei blong givim moni long yu. Oli save transferem moni i go long bangk akaon blong yu, o senem i go long Vodafone mobile money wallet blong yu, o yu save karem moni long branj blong VRDB. Blong kolektem bak moni, oli save setemap blong katem moni long mobael akaon blong yu o long bangk akaon blong yu long ol wanwan taem. Sapos i gat problem, ol ofisa blong maikrofinans oli save visitim yu blong toktok long problem mo lukluk haos yufala i save wok tugeta blong stretim. Hemia i soem se VRDB i gat wan strongfala komitmen blong wok klosap wetem ol kasoma blong hem.
Ol Wok Blong Mobael Ap, Gavman i Lukluk, mo Ples blong VRDB long Maket
Long taem blong digitel we yumi stap long hem, VRDB i bin tekem wan bigfala step i go fored wetem lanis blong M-VATU mobael ap long Epril 2025. Ap ia i gat wan isi fasin blong yusum, mo i save mekem desisen blong loa long smol taem nomo. Hemia i wan bigfala help long ol pipal we oli stap long ol rural ples we oli no save kasem bangk isi. Ol fes kasoma we oli bin yusum beta ap i givim 4.2 long 5 stao, mo oli stap praisem blong i isi blong yusum. Be i gat sam pikinini problem long saed blong netwok samtaem.
VRDB i gat tu wan websaet (vbr.vu) we i stap givim ol save long loa, ples blong ol branj, mo ol nius. Long saed blong ol branj mo ol ofisa, VRDB i gat moa long 30 branj mo ol ajensi long ol rural ples, mo i gat 154 ofisa blong maikrofinans we oli stap wok wetem ol pipal. Oli ting se oli gat raon long 15,000 kasoma we oli stap tekem loa, speseli ol smol bisnes long agrikalja mo ol famili long ol rural ples.
Gavman i Lukluk (Regulatory & Compliance)
VRDB i wan bangk we i gat laesens gud mo gavman i stap lukluk gud long ol wok blong hem. Hem i stap wok aninit long Banking Act mo Reserve Bank of Vanuatu i stap lukluk gud long hem. Oli stap folem ol rul blong sefti blong bangk, olsem haos kapitol blong bangk i naf mo haos moni i stap fri blong yusum. Reserve Bank i stap mekem ol chek long bangk blong mekem se i stap folem ol rul mo i no gat ol risk. Blong protektem ol kasoma, VRDB i stap mekem gud blong ol fi i klin mo i no haed, mo i givim ol edukesen blong moni long radio, mo i gat ol wei blong ol kasoma blong toktok sapos oli gat wan problem.
Ples blong VRDB long Maket
Long maket blong moni long Vanuatu, VRDB i holem wan spesel ples. Hem i wanwan bangk we i gat wan mandet blong gavman blong lukluk speseli long ol rural ples. Ol nara bangk olsem National Bank of Vanuatu (NBV) mo Bank South Pacific (BSP) oli stap lukluk moa long ol taon. VRDB i difren from gavman i givim moni long hem, we i mekem i save givim ol loa we i stap daon long pris blong moni. Oli fleksibol long saed blong garen, mo oli stap yusum ap blong mobael (M-VATU) blong kasem moa pipal. Ol plan blong bangk i inkludum blong mekem gud M-VATU ap moa, wok tugeta wetem ol kampani blong fon mo ol NGO, mo statem ol niu wok olsem insuarens mo seving blong ol pikinini loa.
Ol Save Blong Kasoma, Wok blong Moni, mo Ol Gudfala Advaes blong Ol Man we Oli Wantem Loa
Ol save blong ol kasoma i soem se VRDB i stap mekem wan impoten wok long Vanuatu. Ol man we oli bin yusum M-VATU ap i stap praisem blong i isi blong yusum mo i save kasem ol pipal long ol rural ples. Be i gat samtaem ol pikinini problem olsem taem i let blong mekem ol pepawok blong ol loa we i no stap tru long digitel, mo i no gat fulap sapot afta long wok awas.
Wan stori blong sukses i kam long Tanna, we wan man blong groseri i bin tekem wan Yumi Growem Loa blong mekem bigfala long bisnes blong hem i go long saed blong selim ol masin mo ol samting blong haos. Bisnes ia i bin givim wok long 15 pipal mo i bin gro bigwan. Hemia i soem gud haos ol loa blong VRDB i save helpem ol komuniti.
Wan Lukluk Long Haos Moni blong VRDB long 2023
VRDB i stap soemaot wan strongfala wok long saed blong moni. Long yia 2023:
- Total pris blong moni we i bin kam long VRDB (Net Interest Income) i bin VT 1,563,009,000, we i bin go antap bigwan long VT 1,194,391,000 long 2022.
- Total profit blong bangk long yia i bin VT 713,472,000, we i bin go antap tu long VT 236,871,000 long 2022.
- Total loa we i bin givim i bin VT 14,100,845,000, we i go antap long yia bifo.
- Ol kasoma oli bin putum VT 27,665,868,000 long bangk, we i soem strongfala trast.
- Ol loa we i no stap peim gud i stap daon long 5 pesen, we i soem se VRDB i stap lukluk gud long ol loa blong hem.
VRDB i kasem moni blong ronem ol wok blong hem long saed blong gavman i putum moni, mo ol sapot blong ol donasan olsem ADB mo World Bank. Ol wok blong moni blong hem i soem se bangk i stap strong mo i save ronem ol wok blong hem gud.
Ol Gudfala Advaes blong Ol Man we Oli Wantem Loa
Sapos yu stap tingting blong tekem wan loa long VRDB, i impoten blong yu tingting gud long ol samting ia:
- Rises mo Save Gud: Yu mas lukluk gud long ol kain loa we i stap, ol pris blong moni, ol fi, mo ol kondisen. Mekem gud yu save gud long olgeta bifo yu saenem.
- Solem Tugeta: Komparem ol wok blong VRDB wetem ol nara bangk o intituisen blong moni. Tingting long ol nid blong yu mo lukluk we i fitem yu gud.
- Mekem Wan Plan: Mekem gud yu gat wan strongfala plan blong bisnes o wan gudfala lukluk long haos moni blong yu i stap kam mo i stap go. Hemia i bambae helpem yu blong kasem loa.
- Kwestin: Sapos yu no klia long wan samting, askem long ol ofisa blong VRDB. Oli save helpem yu blong klia gud.
- Yusum Digitel: Sapos yu save, yusum M-VATU ap blong aplae. Hemia i save mekem proses i kwiktaem mo i isi moa.
- Mekem Gud Nem: Mekem gud yu peim ol loa blong yu long taem. Hemia i bambae helpem yu blong gat wan gudfala nem long saed blong moni mo i save helpem yu blong kasem moa loa long fiusa.
- Toktok Wetem Komuniti: Long Vanuatu, i impoten blong toktok wetem ol pipal long komuniti. Sapos oli save givim wan gudfala save long yu, i save help.
VRDB i stap givim wan impoten wok blong pulum ol rural komuniti i go fored. Wetem ol wok blong loa blong hem, mo ol niu tekinoloji olsem M-VATU, i stap mekem i isi long ol pipal blong kasem ol wok blong moni we oli nidim blong mekem divelopmen i gohed gud.
