Na Salone, di tin bɔt fɔ gɛt akses to mɔni savis dɛn dɔn kɔmɔt bifo-bifo, spɛshal wan wit di kɔmɔt we mɔni ap dɛn dɔn kam. Pipul dɛn kin bɔrɔ mɔni kwik-kwik, ɛn dɛn nɔ gɛt fɔ gi ɛnitin fɔ kip. Dis kɔmpitishɔn insay di mɔni biznɛs dɔn pul hɛnd fɔ fɛn solushɔn fɔ di gap dɛn we di bɛnk dɛn nɔ bin ebul fil. Dis ɛsɛ go gi yu ɔl di infɔmeshɔn bɔt di mɔni ap dɛn ɛn di sababubu dɛn fɔ lɛn mɔni pan intanɛt na Salone, fɔ mek yu no wetin de apin ɛn aw yu go bɔrɔ sɔf-sɔf.
Aw Di Biznɛs Fɔ Lɛn Mɔni Pan Intanɛt De Go Na Salone
Di tin bɔt fɔ gɛt mɔni pan intanɛt na Salone dɔn bigin fɔ go bifo-bifo insay di ia 2025. Mɔ dan 25% pan ɔl di big pipul dɛn dɔn de yuz dɛn ap dɛn ya fɔ bɔrɔ mɔni. Mɔ dan 500,000 pipul dɛn de bɔrɔ mɔni pan dɛn ap dɛn ya. Di mɔbul mɔni akaunt dɛn dɔn bigin fɔ de go bifo-bifo, dɛn dɔn rich 1.2 miliɔn pipul dɛn we dɔn rɛjista. Dis dɔn pul hɛnd fɔ mek plɛnti pipul dɛn gɛt chans fɔ yuz mɔni savis dɛn we dɛn nɔ bin gɛt bifo-bifo.
Di Bank ɛn Salone (BSL) dɔn de luk afta dis biznɛs tayt-tayt. Dɛn dɔn put lɔ fɔ se ɔlman we de yuz dɛn savis dɛn ya gɛt fɔ chɛk dɛn infɔmeshɔn (eKYC) fɔ no udat yu bi. Fɔ di mɔni we yu nɔ pe in tɛm, dɛn dɔn put lɔ fɔ se dɛn nɔ fɔ kɔlɛkt mɔ dan 5% pan di mɔni fɔ wan mɔnt. Bɔt wan impɔtant tin we nɔ de na lɔ na se dɛn nɔ yɛt put lɔ fɔ se di intarɛst rɛt we dɛn kin kɔlɛkt pan di mɔni fɔ wan yia (APR) nɔ fɔ pas sɔm amɔnt. So, pipul dɛn we de bɔrɔ dɔn de kɔmplain se dɛn kin pe intarɛst we de rich frɔm 50% to 120% pan smɔl-smɔl mɔni we dɛn lɛn, we dɛn nɔ gɛt fɔ gi ɛnitin fɔ kip.
Big Mɔni Ap Kɔmpani Dɛn ɛn Platfɔm Dɛn
Plɛnti kɔmpani dɛn dɔn de oparet na Salone, ɛn dɛn de gi difrɛn difrɛn savis dɛn. Hia na sɔm pan di big wan dɛn:
- Orange Kwik Moni Loan: Dis na wan pan di mɔs popyulɛ wan, we yu kin yuz wit USSD kɔd (#145# fɔ ejɛnt dɛn, #146# fɔ mɛchant dɛn). Dɛn de lɛn mɔni frɔm 5,000 lɛɔn to 50,000 lɛɔn, wit intarɛst we kin rich frɔm 60% to 100% pan wan yia (we dɛn nɔ yɛt kɔnfɔm). Yu nɔ nid fɔ gi ɛnitin fɔ kip, ɛn yu gɛt frɔm 30 to 90 dez fɔ pe bak.
- The Community: Dis na wan platfɔm we pipul dɛn de lɛn dɛnsɛf mɔni (P2P). Dɛn de lɛn mɔni frɔm 10,000 lɛɔn to 200,000 lɛɔn, wit intarɛst we kin rich frɔm 30% to 70% pan wan yia (we dɛn nɔ yɛt kɔnfɔm). Dɛn de tek smɔl amɔnt fɔ ɔrijin (2-3%), ɛn yu gɛt frɔm 30 to 90 dez fɔ pe bak.
- Vult: Dis na wan big ap we gɛt plɛnti savis dɛn. Dɛn de lɛn mɔni frɔm 1,000 lɛɔn to 100,000 lɛɔn, wit intarɛst we kin rich frɔm 40% to 90% pan wan yia. Yu kin pe bak frɔm 7 to 120 dez.
- Africell Afrimoney (AfriCredit): Yu kin yuz dis wan wit USSD kɔd (*161#). Dɛn de lɛn smɔl mɔni frɔm 500 lɛɔn to 20,000 lɛɔn, wit intarɛst we kin rich frɔm 80% to 120% pan wan yia (we dɛn nɔ yɛt kɔnfɔm). Yu gɛt frɔm 14 to 60 dez fɔ pe bak.
- MiYone SLCB Mobile: Dis na di ap fɔ Sierra Leone Commercial Bank. Yu kin yuz am fɔ fɛn infɔmeshɔn bɔt lɔn dɛn, ɛn dɛn kin gi mɔni we kin rich to 1,000,000 lɛɔn, bɔt dis wan na bank lɔn.
- UBA No Wahala Loan: Dis na frɔm United Bank for Africa (UBA). Dɛn de gi pɛrsɔnal lɔn dɛn frɔm 5,000 lɛɔn to 500,000 lɛɔn, wit intarɛst we kin rich frɔm 25% to 45% pan wan yia (we dɛn nɔ yɛt kɔnfɔm). Yu gɛt frɔm 12 to 36 mɔnt fɔ pe bak.
- Harvest Microfinance: Dis na wan mikrɔfinans kɔmpani we gɛt ap. Dɛn de lɛn mɔni frɔm 10,000 lɛɔn to 250,000 lɛɔn, wit intarɛst we kin rich frɔm 35% to 65% pan wan yia (we dɛn nɔ yɛt kɔnfɔm). Yu gɛt frɔm 30 to 180 dez fɔ pe bak.
- MiKashBoks: Dis na wan platfɔm fɔ grup dɛn fɔ sev ɛn bɔrɔ mɔni. Dɛn de gi lɔn dɛn frɔm 5,000 lɛɔn to 50,000 lɛɔn. Di intarɛst na 0% insay di grup, bɔt yu de dipɛnd pan di grup dɛn rɛgulɛshɔn.
- Watu Simu: Dis na kɔmpani we de gi mɔni fɔ bɔy fɔn ɔ ɔda gadgɛt dɛn. Dɛn de lɛn mɔni frɔm 200 lɛɔn to 5,000 lɛɔn, wit intarɛst we kin rich frɔm 45% to 75% pan wan yia. Yu kin pe bak wik-wik fɔ 52 wik.
Intarɛst Rɛt, Di Mɔni We Dɛn Kin Lɛn, ɛn Di Tɛm Fɔ Pe Bak
Di mɔni we dɛn kin lɛn na Salone de difrɛn frɔm ap to ap. Yu kin gɛt as smɔl as 500 lɛɔn (frɔm AfriCredit) to as big as 1,000,000 lɛɔn (frɔm SLCB we na bɛnk lɔn). Bɔt di intarɛst rɛt dɛn kin fulu. Fɔ smɔl-smɔl lɔn dɛn we yu nɔ gɛt fɔ gi ɛnitin fɔ kip, di intarɛst fɔ wan yia (APR) kin rich frɔm 50% to 120%. Fɔ di bɛnk dɛn, di intarɛst kin smɔl pas dat, frɔm 25% to 45%.
Di tɛm fɔ pe bak kin difrɛn. Fɔ di mɔni ap dɛn we yu nɔ gɛt fɔ gi ɛnitin fɔ kip, yu kin gɛt frɔm 14 dez to 120 dez. Fɔ di bɛnk dɛn, yu kin gɛt mɔ tɛm, frɔm 12 to 36 mɔnt. Dɛn kin ad mɔni fɔ prɔsɛs di lɔn, ɛn if yu nɔ pe in tɛm, dɛn kin ad mɔni fɔ di dɛli.
Aw Di Gɔvmɛnt De Luk Afta Dɛn Biznɛs Ya ɛn Fɔ Protɛkt Pipul Dɛn
Di Bank ɛn Salone (BSL) na in de luk afta di tin dɛn we gɛt to du wit mɔni biznɛs na Salone. Dɛn dɔn put lɔ fɔ se ɔl kɔmpani dɛn gɛt fɔ chɛk di pɔsin we de bɔrɔ (KYC) ɛn fɔ stɔp bad pipul dɛn fɔ yuz mɔni fɔ bad tin dɛn (AML). Dɛn dɔn put lɔ fɔ se di mɔni we yu nɔ pe in tɛm nɔ fɔ pas 5% pan di mɔni fɔ wan mɔnt. Bɔt di Bank ɛn Salone nɔ yɛt put lɔ fɔ se di intarɛst rɛt nɔ fɔ pas sɔm amɔnt. Dis na wan big prɔblɛm fɔ di pipul dɛn we de bɔrɔ, bikɔs dɛn kin pe tu mɔs intarɛst.
Kɔnsyuma grup dɛn dɔn de kɔmplain bɔt di tu mɔs intarɛst rɛt dɛn, di fayn dɛn we dɛn kin ad, ɛn di aw dɛn kin fɔs pipul dɛn fɔ pe dɛn mɔni we dɛn lɛn. Insay di fɔs trimɛsta fɔ 2025, BSL dɔn gi tu wɛnɛn leta dɛn fɔ kɔmpani dɛn we nɔ kip pipul dɛn infɔmeshɔn sɔf. Bɔt fɔ tru, di lɔ dɛn we de fɔ luk afta dɛn biznɛs ya nɔ yɛt tayt as i fɔ bi.
Aw Tɛknɔlɔji De Go Bifɔ ɛn Mɔbul Mɔni
Mɔbul mɔni platfɔm dɛn lɛk Orange Money ɛn Afrimoney dɔn pul hɛnd fɔ mek di mɔni ap dɛn ya go bifo-bifo na Salone. Plɛnti pan dɛn savis dɛn ya kin yuz wit USSD kɔd, we mek pipul dɛn we nɔ gɛt smartfɔn ɔ intanɛt kin stil gɛt akses to dɛn. Fɔ dɛn kɔmpani dɛn lɛk Vult, dɛn dɔn mek dɛn ap dɛn we gɛt plɛnti savis dɛn. Dɛn ap dɛn ya de mek i izi fɔ pipul dɛn fɔ rɛjista, chɛk dɛn akaunt dɛn, ɛn bɔrɔ mɔni usay dɛn de. Di tɛknɔlɔji we dɛn de yuz fɔ chɛk di pɔsin we de bɔrɔ (kredit skorin) de dipɛnd pan yu tranzakshɔn histri wit mɔbul mɔni, ɔ yu sɛlfoŋ yus, ɔ bɛnk akaunt data.
Wetin De Apin Nau Pan Di Makɛt ɛn Wetin Wi De Luk Fɔ Insay Di Futur
Di makɛt fɔ lɛn mɔni pan intanɛt na Salone de bigin fɔ de go bifo-bifo. Wi de luk fɔ se mɔ ɛn mɔ kɔmpani dɛn go kam, ɛn dɛn go bigin fɔ kɔmpit fɔ pipul dɛn. Di tin bɔt fɔ gɛt mɔni kwik-kwik we dɛn nɔ gɛt fɔ gi ɛnitin fɔ kip go stil mek plɛnti pipul dɛn want fɔ bɔrɔ mɔni pan intanɛt. Bɔt dis go bring prɛshɔn pan di Bank ɛn Salone fɔ put mɔ tayt lɔ dɛn, spɛshal wan fɔ di tu mɔs intarɛst rɛt dɛn.
Insay di futur, wi go si se dɛn go de tink bɔt di pipul dɛn mɔ, ɛn dɛn go de gi mɔ klia infɔmeshɔn bɔt di intarɛst rɛt dɛn ɛn di fayn dɛn. Dɛn go fɔs di kɔmpani dɛn fɔ kɔlɛkt mɔni in wan sɔf-sɔf we, ɛn fɔ kip pipul dɛn infɔmeshɔn sɔf. Mɔ invɛstmɛnt go de kam insay di makɛt, we go pul hɛnd fɔ mek mɔ nyu tɛknɔlɔji dɛn kam fɔ mek di biznɛs go bifo-bifo.
Advays Fɔ Di Pipul Dɛn We De Bɔrɔ Mɔni
If yu de tink fɔ bɔrɔ mɔni frɔm ap, yu gɛt fɔ bi kɛful ɛn no wetin yu de du. Hia na sɔm advays fɔ yu:
- Kɔmpea Intarɛst Rɛt Dɛn ɛn Fayn Dɛn: Bifo yu bɔrɔ, chɛk difrɛn difrɛn ap dɛn. Luk fɔ di intarɛst rɛt fɔ wan yia (APR) ɛn di ɔda fayn dɛn we dɛn kin ad. Sɔm kin fulu pas ɔda wan dɛn.
- Chɛk If Dɛn Gɛt Laysɛns: Di Bank ɛn Salone de gi laysɛns to di kɔmpani dɛn we de du dis biznɛs. Chɛk dɛn rɛjistri fɔ no if di ap we yu de yuz gɛt laysɛns. If dɛn nɔ gɛt laysɛns, i nɔ sɔf fɔ yuz dɛn.
- Rid Di Tɛm ɛn Kɔndishɔn Dɛn Kɛful Wan: Spɛshal wan fɔ di savis dɛn we yu de yuz wit USSD, rid ɔl di tɛm ɛn kɔndishɔn dɛn bifo yu agri. No di fayn dɛn fɔ di dɛli, ɛn di aw yu go pe bak.
- Kip Gud Histri Fɔ Pe Bak: If yu de pe yu lɔn in tɛm, i kin pul hɛnd fɔ mek yu gɛt big lɔn dɛn ɔ lɔn dɛn wit smɔl intarɛst insay di futur.
- Bɔrɔ Jɔs Wetin Yu Nid: Nɔ bɔrɔ mɔ mɔni pas wetin yu nid. Avɔyd fɔ de rɔl yu lɔn ɔ fɔ de bɔrɔ ɔda lɔn dɛn fɔ pe di wan we yu gɛt. Dis kin mek yu drɔp insay dɛli.
- Bi Kɛful Wit Informal Grup Dɛn: Fɔ dɛn ap dɛn lɛk MiKashBoks, we na grup dɛn de de lɛn dɛnsɛf, yu gɛt fɔ no di rɛgulɛshɔn dɛn fɔ di grup ɛn di risk dɛn we de insay.
- Kip Yu Infɔmeshɔn Sɔf: Nɔ gi yu pɛrsɔnal infɔmeshɔn to ɛnibɔdi we nɔ gɛt fɔ gɛt am. Bi kɛful bɔt we yu de ɛntɛ di infɔmeshɔn pan ap dɛn.
Di mɔni ap dɛn dɔn kam fɔ pul hɛnd fɔ di tin bɔt mɔni na Salone, bɔt dɛn gɛt dɛn risk dɛn bak. Fɔ yuz dɛn sɔf-sɔf, yu gɛt fɔ no wetin yu de du, bi kɛful, ɛn mek gud disishɔn dɛn. So, bifo yu tap fɔ bɔrɔ mɔni frɔm ɛni ap, chɛk ɔl di tin dɛn wɛl-wɛl, ɛn mek yu no ɔl di fayn dɛn ɛn di tɛm dɛn fɔ pe bak. Dis na fɔ protɛkt yu ɛn yu mɔni.
