ACTB Sierra Leone

Kɔmpini Wok ɛn Aw Dɛn Big Ap insay Siera Lyon

ACTB Siera Lyon, we dɛn kɔl fulwan A Call To Business Savings & Loans Limited, na wan pan di big say dɛn we de gi smɔl smɔl lɔn ɛn sevin insay Siera Lyon. Dɛn rili want fɔ mek ɔlman gɛt akses to mɔni, espeshiali di wuman dɛn ɛn di pipul dɛn we de insay di kɔntri. Frɔm di tɛm we dɛn big ap insay 2008, ACTB dɔn spred dɛn wok ɔlsay, ɛn dɛn de gi kaina kaina lɔn ɛn sevin sɛvis dɛn insay 14 braŋch dɛn ɔlsay in ɛt distrikt. So far, dɛn dɔn ɛp pas 28,000 pipul dɛn, ɛn bɔt 72% pan dɛn na wuman dɛn.

Di kɔmpini dɛn in nem insay di lɔ na A Call To Business Savings & Loans Limited (ACTB). Dɛn bin rɛjista am anda di Kɔmpini Akt, KAP249 (2008), as wan kɔmpini we de gi smɔl smɔl lɔn ɛn sevin we gɛt limitɛd layabiliti. Di Bank ɔf Siera Lyon bin rɛjista dɛn insay 2010 as wan instityushɔn we de gi lɔn nɔmɔ. Leta, insay 2017, dɛn gɛt laysɛns fɔ de tek pipul dɛn sevin mɔni, ɛn insay 2014, dɛn gɛt laysɛns fɔ wok as bank. Dɛn bin fɔnd ACTB insay 2008 bay wan UK chɛriti we dɛn kɔl A Call To Business ɛn wan Lɔndɔn impakt invɛsta we dɛn kɔl Truestone. Naw, ɔda big invɛsta dɛn lɛk Alterfin, FMO, ɛn IFC de put mɔni insay dɛn.

ACTB in wok na fɔ tek sevin mɔni ɛn fɔ gi smɔl smɔl lɔn dɛn. Dɛn de tɔgɛt biznɛs pɔsin dɛn we de insay siti ɛn di say dɛn we nɔ tu fa frɔm siti, espeshiali di wan dɛn we de du smɔl smɔl biznɛs (grupu lɔn ɛn individual lɔn). Dɛn de ɛp SML (Smɔl ɛn Midyɔm Biznɛs) dɛn fɔ gɛt mɔni fɔ rɔn dɛn biznɛs ɛn fɔ bay tin dɛn. Dɛn gɛt espeshal prɔgrɛm fɔ fɔmɛn dɛn we de insay di kɔntri, ɛn dɛn de gi lɔn fɔ pe skul fi fɔ pɛrɛnt dɛn. Di CEO na David Kamara, ɛn dɛn gɛt difrɛn mɛnija dɛn we de luk afta di braŋch dɛn ɔlsay.

Kinda Kaina Lɔn Dɛn, Intres Rets, ɛn Fii Dɛn we ACTB Siera Lyon de Gi

ACTB Siera Lyon de gi kaina kaina lɔn dɛn fɔ mit di nid dɛn ɔf difrɛn pipul dɛn. Lɛ wi si di lɔn dɛn we dɛn de gi:

• Individual Maykrolɔn: Dis na lɔn fɔ wan wan biznɛs pɔsin dɛn we dɛn de du dɛn ɔn biznɛs.
• Grupu Lɔn: Dis na lɔn fɔ grup dɛn we pipul dɛn de bɔrɔ togɛda. If wan pɔsin nɔ pe, ɔl di grup de ansa.
• SML Lɔn: Dis na lɔn fɔ Smɔl ɛn Midyɔm Biznɛs dɛn we want mɔni fɔ rɔn dɛn biznɛs ɔ fɔ bigin dɛn wok.
• Biznɛs Asɛt Lɔn: Dis na lɔn fɔ bay mashin ɔ ɔda tin dɛn we impɔtant fɔ biznɛs.
• Skul Fi Lɔn: Dis na lɔn fɔ pɛrɛnt dɛn we want fɔ pe dɛn pikin dɛn skul fi.
• Ozin Lɔn: Lɔn fɔ bil os ɔ fɔ mɛn os.
• Rural ɛn Fɔm Lɔn: Dis na lɔn fɔ fɔmɛn dɛn we de insay di kɔntri. Dɛn de gi dɛn mɔni fɔ bay say fɔ fɔm, mashin, ɛn fɔ sɛl dɛn grɔn dɛn.
• Kɛkɛ (Transpɔt) Lɔn: Lɔn fɔ bay triwil kɛkɛ.
• Salar Lɔn: Dis na ɛmɛjɛnsi lɔn fɔ pipul dɛn we de gɛt salar.

Aw Mɔch Mɔni Yu Kin Borɔ

Di smɔlɛst mɔni we yu kin borɔ na SLL 500,000. Di bigɛst mɔni we yu kin borɔ na SLL 50,000,000 fɔ individual ɛn SML lɔn dɛn. Fɔ asɛt lɔn dɛn, yu kin borɔ ɛn gɛt SLL 100,000,000. Dis mɔni kin difrɛn bɔt di lɔn ɛn di pɔsin we de borɔ.

Intres Rets ɛn Aw Tɛm Yu Kin Pe Bak

Di intres rets we dɛn de tek na frɔm 24% to 36% pɔ yia, ɛn dɛn de kalkulet am bɔt di mɔni we stil de. Di rili rets kin difrɛn bɔt di kayn lɔn, di mɔni we yu borɔ, di tɛm we yu gɛt fɔ pe bak, ɛn di pɔsin we de borɔ. Fɔ Grupu Lɔn dɛn, di intres rets kin bi bɔt 28% to 32% pɔ yia. Fɔ SML ɛn Asɛt Lɔn dɛn, i kin bi frɔm 24% to 30% pɔ yia.

Fɔ smɔl lɔn dɛn ɛn grupu lɔn dɛn, yu kin pe bak insay 3 to 12 mɔnt. Fɔ SML ɛn asɛt lɔn dɛn, yu kin pe bak insay 24 mɔnt. Yu kin pe bak ɛvri wik ɔ ɛvri mɔnt. Fɔ fɔmɛn dɛn, dɛn de gi dɛn speshal tɛm fɔ pe bak we de mit dɛn fɔm tɛm.

Fii Dɛn ɛn Kolatɛral

ACTB de tek sɔm fii dɛn fɔ dɛn sɛvis dɛn:

• Prɔsesin Fii: Dis na frɔm 1% to 3% ɔf di lɔn mɔni.
• Lɛt Pɛ Fii: If yu lɛt fɔ pe bak, dɛn go tek 2% ɔf di mɔni we yu nɔ pe yet ɛvri mɔnt.
• Inshurans Fii: Dis na frɔm 0.5% to 1% ɔf di lɔn mɔni.

Fɔ kolatɛral, di grupu lɔn dɛn nɔ nid tin bɔt di pipul dɛn insay di grup de ansa togɛda. Fɔ individual ɛn SML lɔn dɛn, dɛn kin aks fɔ tin dɛn lɛk mashin, tin dɛn we yu de sɛl, vɛhikul dɛn, ɔ grɔn pepa fɔ big lɔn dɛn. Sɔntɛm, dɛn kin aks fɔ garan pɔsin.

Aw Yu Fɔ Aplai fɔ Lɔn ɛn Wetin Yu Nid, Bɔt So ɛn Di Fɔn Ap Dɛn Wok

If yu want fɔ gɛt lɔn frɔm ACTB Siera Lyon, yu gɛt difrɛn we dɛn fɔ aplai. Di mɛn we na fɔ go na dɛn braŋch dɛn. Dɛn gɛt 14 braŋch dɛn ɔlsay in ɛt distrikt, inklud in Fritɔŋ ɛn ɔda say dɛn insay di kɔntri.

Di Apikeshɔn Prɔses ɛn Wetin Yu Nid

Di prɔses de stɔt bay fɔ go na wan ɔf dɛn braŋch dɛn. Yu go nid fɔ kɛr sɔm pepa dɛn we dɛn de kɔl KYC (No Yu Klayɛnt), we min fɔ sabi udat yu bi. Dɛn pepa dɛn inklud:

• Yu Nashɔnal Ay Di (ID).
• Pruf we de sho usay yu de liv.
• Fɔ SML biznɛs dɛn, yu go nid biznɛs rɛjistreshɔn pepa.
• Rɛfrɛns pɔsin dɛn.
• Fɔ grupu lɔn dɛn, yu go nid garan pɔsin dɛn frɔm di grup.

Afta yu dɔn gi ɔl di pepa dɛn, dɛn go check yu kredit fɔ si if yu kin pe bak di lɔn. Dis prɔses kin tek bɔt 3 to 5 biznɛs de fɔ dɛn fɔ apruv yu lɔn.

Aw Dɛn De Chɛk Yu fɔ Lɔn

ACTB de yuz difrɛn we dɛn fɔ chɛk yu: dɛn de luk bɔt yu mɔni we yu de gɛt, aw yu de spɛn mɔni, ɛn di pipul dɛn we de insay yu grup. Dɛn de luk tu bɔt yu karakta, if yu biznɛs go wok, ɛn di fɔm gro. Fɔ grupu lɔn dɛn, di grup dɛn de ɛp fɔ mek shɔ se ɔlman pe bak.

Aw Yu Go Gɛt Yu Lɔn Mɔni

Afta dɛn dɔn apruv yu lɔn, yu kin gɛt di mɔni insay difrɛn we dɛn:

• Kash na dɛn braŋch.
• Bay mɔbayl mɔni (Africell Mɔni, Orange Mɔni).
• Bay bank transfɛr to yu akaunt.
• Dɛn de tray tu wan mɔbayl wɛlɛt sistɛm.

Kɔlɛktin ɛn Pe Bak Mɔni

Dɛn de kɔlɛkt mɔni na dɛn braŋch ɔ bay fild ɔfisa dɛn we de go na pipul dɛn say. Dɛn de send SMS ɛn kɔl pipul dɛn fɔ rɛmaynd dɛn bɔt pe bak. If pɔsin nɔ pe bak dɛn lɔn pas 90 de, dɛn kin tek dɛn go kot.

Mɔbayl Ap ɛn Dijital Wok

Fɔ naw, ACTB gɛt wan wɛbsayt (www.actb.sl) we de gi infɔmeshɔn bɔt dɛn sɛvis dɛn, bɔt yu nɔ kin aplai fɔ lɔn ɔnlayn yet. Dɛn de wok fɔ mek wan mɔbayl ap (fɔ Ayos ɛn Andrɔyd) we kin ɛp pipul dɛn fɔ du mɔ dijital wok, bɔt dis de insay di trayin tɛm yet. Dɛn gɛt Facebook pej tu we dɛn de put pipul dɛn tɛstimoni dɛn.

Gɔvmɛnt Ruls, Plɛs Aw Dɛn De Wok insay di Makit ɛn Dɛn Kɔmpitɔ dɛn

ACTB Siera Lyon de wok anda di ruls we di Bank ɔf Siera Lyon (BSL) dɔn set. Dɛn gɛt ɔl di laysɛns dɛn we dɛn nid fɔ dɛn wok:

• Dɛn gɛt laysɛns as MFI (maykrofinans instityushɔn) we de gi lɔn nɔmɔ frɔm 2010.
• Dɛn gɛt laysɛns fɔ tek pipul dɛn sevin mɔni frɔm 2017.
• Dɛn gɛt laysɛns fɔ wok as bank frɔm 2014.

Dɛn de rili fɔlɔ ɔl di ruls we BSL dɔn set fɔ maykrofinans ɛn di ruls fɔ stop bad bad mɔni wok (AML/CFT). Dɛn na mɛmba tu ɔf di Siera Lyon Asoshieshɔn ɔf Maykrofinans Instityushɔn (SLAMFI). So far, di gɔvmɛnt nɔ dɔn ripɔt se dɛn dɔn panaliz ACTB ɔ se dɛn dɔn get ɔda panishmɛnt. Dis de sho se dɛn de wok fayn ɛn dɛn de fɔlɔ di lɔ.

Dɛn Posishɔn insay di Makit ɛn Dɛn Kɔmpitɔ Dɛn

ACTB Siera Lyon na wan big pleya insay di maykrofinans makit. Bay Disɛmba 2023, dɛn bin gɛt bɔt 20.6% ɔf di lɔn makit. Dɛn big kɔmpitɔ dɛn na di Siera Lyon Wuman Dɛn Maykrofinans Bank, Microcred, BRAC, ɛn Opportunity International. Bɔt ACTB gɛt sɔm tin dɛn we mek dɛn difrɛnt frɔm ɔda kɔmpini dɛn:

• Dɛn de rili wok pan pipul dɛn we de insay di kɔntri ɛn wuman dɛn.
• Dɛn gɛt wan nyu prɔgrɛm fɔ fɔmɛn dɛn we dɛn de gi dɛn mɔni ɛn ɛp, plɛs dɛn de kɔnɛkt dɛn to makit.
• Dɛn gɛt kaina kaina lɔn dɛn, inklud in lɔn fɔ bay tin dɛn we yu de yuz (lizin) ɛn skul fi lɔn.

Dɛn de kɔntinyu fɔ gro ɛn spred dɛn wok. IFC dɔn gi dɛn $3 milyɔn USD lɔn fɔ mek dɛn kin gi mɔ lɔn to SML biznɛs dɛn. Alterfin tu dɔn ɛp dɛn wit wan EUR 1 milyɔn fɔ mek dɛn wok pan pipul dɛn we de insay di kɔntri.

Pipul Dɛn Opinyɔn ɛn Aw Dɛn De Tret Klayɛnt Dɛn

Frɔm di pipul dɛn we dɔn yuz dɛn sɛvis dɛn, ACTB dɔn gɛt gud pipul dɛn opinyɔn. Bɔku pipul dɛn dɔn tɛl se dɛn biznɛs dɔn gro bikɔs ACTB dɔn gi dɛn mɔni, ɛn dɛn layf dɔn bɛtɛ. Wan gud egzampul na wan wuman biznɛs pɔsin we bin de sɛl tin na strit, bɔt afta ACTB dɔn ɛp am, i dɔn gɛt in ɔn shop ɛn i de du fish biznɛs. Fɔmɛn dɛn we de grɔ ray ɛn kɔn insay di kɔntri tu dɔn gɛt SLL 651 milyɔn lɔn, ɛn 95% pan dɛn dɔn pe bak. Bɔt, sɔm pipul dɛn dɔn tɔk se sɔntɛm di mɔni kin tek tɛm fɔ kɔmɔt, ɛn dɛn intres rets kin ay. Di kɔstɔma sɛvis de wok bay di braŋch ɔfisa dɛn, ɛn di fidbak na bɔt so.

Advays fɔ di Wan Dɛn we Want Borɔ frɔm ACTB Siera Lyon

If yu de tink fɔ borɔ mɔni frɔm ACTB Siera Lyon, i impɔtant fɔ yu no sɔm tin dɛn fɔ mek yu desishɔn fayn. ACTB na wan rɛjista ɛn stadi kɔmpini we dɔn ɛp bɔku pipul dɛn insay Siera Lyon, espeshiali wuman dɛn ɛn fɔmɛn dɛn. Bɔt lɛk ɔl lɔn biznɛs, yu nid fɔ bi kɛful ɛn no wetin yu de du.

Sɔm Advays dɛn:

• No Wetin Yu Nid: Fɔs, no wetin yu want di lɔn mɔni fɔ du. If na fɔ biznɛs, mek shɔ yu biznɛs plan dɔn stadi fayn.
• Undastand Di Intres Rets ɛn Fii Dɛn: Mek shɔ yu undastand di intres rets (24-36% pɔ yia) ɛn ɔl di ɔda fii dɛn we dɛn go tek (prɔsesin, lɛt pe, inshurans). Aks kwɛshɔn if yu nɔ undastand sɔntin.
• No If Yu Kin Pe Bak: Mek shɔ se di mɔni we yu de gɛt ɛn di mɔni we yu de spɛn, yu kin ebul pe bak di lɔn ɛvri mɔnt ɔ wik. Dɔn tek lɔn we yu kin pe bak.
• Aks Kwɛshɔn Dɛn: Nɔ fred fɔ aks dɛn kɔstɔma sɛvis ɔ di lɔn ɔfisa dɛn ɔl di kwɛshɔn dɛn we yu gɛt bɔt di lɔn prɔses, di tɛm, ɛn di kondishɔn dɛn.
• Kɔmpia Wit ɔda Say Dɛn: I gud fɔ yu kɔmpia ACTB in lɔn dɛn wit ɔda kɔmpini dɛn we de gi lɔn insay Siera Lyon. Dis go ɛp yu fɔ mek di bɛst desishɔn fɔ yu.
• Bɔt Di Mɔbayl Ap: Fɔ naw, dɛn mɔbayl ap stil de insay di mek in tɛm. So, rɛdi fɔ go na dɛn braŋch dɛn fɔ aplai ɛn du ɔda tin dɛn.
• Bil Gud Kredit: If yu pe bak yu lɔn ɛn tɛm, dis go ɛp yu fɔ gɛt mɔ lɔn ɔda tɛm.

In kɔnklushɔn, ACTB Siera Lyon na wan impɔtant say we de ɛp bɔku pipul dɛn fɔ gɛt akses to mɔni. Dɛn kaina kaina lɔn dɛn ɛn dɛn fɔkɔs pan finanshal inklushɔn na gud tin dɛn. Bɔt lɛk ɔl finanshal tin dɛn, i impɔtant fɔ yu no ɔl di tin dɛn ɛn mek kɛful desishɔn dɛn.