Kampani Bizness we dɛn de du ɛn Aw dɛn bigin insay Sa Lon
Empire Solutions Limited na wan kampani we Bank of Sa Lon dɛn gi layɛns foh gi lohn nɔmɔ. Dɛn bigin dis bizness nia di ia 2020 dɛn, ɛn dɛn main bizness na foh gi digital lohn dɛn bay fohn. Dɛn de yuz mɔdan tɛknɔlɔji foh gi lohn dɛn straŋgay, spɛshal foh pipo we no gɛt bank akaunt ɛn dɛn we dɛn no de gɛt faynansial savis izi, laka uman dɛn, yut dɛn, ɛn smɔl smɔl saylman dɛn.
Di kampani de wok tɛtɛtɛtɛ wit Orange Mohni, we de mek am izi foh dɛn foh send lohn mohni ɛn foh risiv pe bak bay mohni fohn. Dis patnaship ɛp dɛn foh rich pipo ɔlsay na di kɔntri, frɔm taun dɛn laka Fritaun, Bo, ɛn Kenema, te go insay di vilɛj dɛn. Bay dis sistem, Empire Solutions dɛn don ɛp mo pas sɛvɛnti tawzn klayɛnt dɛn ɛn dɛn don gi mo pas fayv hɔndrɛd tawzn lohn dɛn. Dis de sho se dɛn de mek big difrɛns insay foh mek mohni bizness izi foh ɔlman insay Sa Lon.
Di kampani de yuz wan intɛlijɛnt sistɛm we dɛn kɔl AI (Artificial Intelligence) foh disayd usman go gɛt lohn ɛn aw mɔs lohn dɛn go gɛt. Dis intɛlijɛnt sistɛm de luk di klayɛnt dɛn fohn mohni bizness histri foh no if dɛn go ebul pe bak di lohn. Di CEO fɔ Empire Solutions na Hannifer Appiah Kubi, ɛn dɛn de wok klos wan wit David Mansaray, we na di CEO fɔ Orange Mobile Finance SL, foh mek shɔ dɛn savis dɛn de rich ɔlman.
Lohn dɛn we Empire Solutions de gi ɛn di rul dɛn
Empire Solutions de gi wan kayn digital lohn we dɛn kɔl Orange Mohni Lajor. Dis lohn na di wan dɛn min de gi, ɛn yu kin gɛt am bay USSD kɔd na yu Orange fohn. Dis Lajor lohn na foh ɛp pipo we nid smɔl smɔl mohni straŋgay foh dɛn bizness ɔ foh dɛn personal nid.
Di Lohn Amawnt dɛn:
- Le 15,000
- Le 30,000
- Le 50,000
- Le 100,000
- Le 200,000
- Le 300,000
- Le 500,000
- Le 700,000
Dis min se yu kin bɔro frɔm Le wan fayv tawzn te Le sɛvɛn hɔndrɛd tawzn, dipɛn pan aw di intɛlijɛnt sistɛm don skor yu ɛn aw yu de trayd.
Intɛrɛst Rul dɛn ɛn Fii dɛn:
Empire Solutions dɛn intɛrɛst na twɛlv pɛsɛnt (12%) pan ɔl di lohn amawnt. Dis na di flat intɛrɛst we yu de pe foh di lohn. Foh klia wan, if yu bɔro Le 100,000, yu go nid foh pe bak Le 112,000 afta 30 dez. Di kampani no de kɔl klia faylɛn fii ɔ prɔsɛsin fii, so di 12% na di ɔl kɔst foh di lohn.
Foh Dɛn we Pe Lɛt:
If yu no pe bak yu lohn insay di tɛti dez we dɛn gi yu, dɛn go kɔl yu pɛnalti fii:
- If yu pe bak bitwin 31 ɛn 60 dez: Yu go pe fayv pɛsɛnt (5%) mɔ pan di mohni we yu no pe yet.
- If yu pe bak afta 60 dez: Yu go pe tɛn pɛsɛnt (10%) mɔ pan di mohni we yu no pe yet.
Dis min se di lɔŋga yu de tɛk foh pe bak, di mɔ mohni yu go pe. If yu no pe bak ɔltogɛda, dɛn go blɔk yu Orange Mohni akaunt so yu nɔ go ebul sɛnd mohni ɔ yuz ɔda savis dɛn te yu pe yu lohn fulwan. Wan gud tin bɔt Empire Solutions lohn dɛn na se yu nɔ nid foh put kolatral. Dis de mek am izi foh pipo we no gɛt sɔntin foh put as garanti foh gɛt lohn.
Aw foh Aplay Lohn ɛn di Mohni Fohn Ap Fichɔ dɛn
Di prɔsɛs foh aplay foh Empire Solutions Lajor lohn izi wan ɛn ɔl de go bay fohn. Dɛn kampani nɔ gɛt spɛshal ap we yu go dɔunlod na yu smartfon, bɔt dɛn de yuz di USSD sistɛm we ɔl Orange Mohni klayɛnt dɛn famili wit.
Aw foh Aplay:
Foh aplay foh Lajor lohn, yu nid foh dayal #144*7# na yu Orange fohn. Yu kin bak dayal #144# ɛn den siliɛkt di opshɔn we dɛn rayt "Lajor". Bifo yu aplay, yu nid foh bi wan Orange Mohni klayɛnt we don yuz di akaunt foh mo pas naynti dez (90 dez) ɛn yu akaunt nid foh bi fulwan KYC-veri fɔ (dis min se yu don gi ɔl yu aydɛntiti infɔmeshɔn to Orange Mohni). Wɛn yu aplay, yu go gɛt SMS kɔnfrimeshɔn bɔt yu rejistreshɔn ɛn if yu kualifay.
Kredit Skor ɛn Aw dɛn de Disayd:
Empire Solutions de yuz wan advans intɛlijɛnt sistɛm foh disayd if yu go gɛt lohn. Dis sistɛm de luk yu Orange Mohni tranzakshɔn histri, laka aw yu de sɛnd ɛn risiv mohni, aw yu de bay edatym, ɛn ɔda bizness dɛn we yu de du. Bay dis infɔmeshɔn, di sistɛm de mek wan skor foh yu. If yu skor hay, yu go ebul gɛt lohn. Dis sistɛm de ɛp dɛn foh no us klayɛnt dɛn go pe bak dɛn lohn ɛn foh kip bad dɛt dɛn smɔl smɔl.
Di Mohni Fohn Ap Fichɔ dɛn:
Insay di USSD sistɛm, yu kin du difrɛn tin dɛn:
- Aplay foh Lohn: Yu kin siliɛkt di amawnt we yu want foh bɔro.
- Pe bak Lohn: Yu kin pe yu lohn ɔlwan ɔ pe smɔl smɔl bitwin di tɛti dez bay dayal #144*7#.
- Chek Balans: Yu kin chek aw mɔs yu stil nid foh pe.
- Risiv Rɛmaynda dɛn: Yu go gɛt SMS mɛsɛj dɛn bifo yu lohn dayt, foh rɛmaynd yu foh pe.
Wɛn yu lohn apruv, di mohni go go straŋgay na yu Orange Mohni walɛt. Empire Solutions nɔ de gi lohn bay bank akaunt ɔ bay kash. Ɔl de go bay mohni fohn. If yu gɛt prɔblɛm ɔ yu want foh aks kwɛstyɔn, yu kin go to ɛni Orange Mohni ejɛnt ɔ kɔl dɛn kɔstɔma savis lain dɛn.
Gɔvmɛnt Rul dɛn ɛn Us Say Empire Solutions de insay di Makit
Empire Solutions Limited na wan kampani we de wok klia wan ɔnda di rul dɛn fɔ Bank of Sa Lon (BoSL). Dɛn gɛt layɛns as wan "kredit-ɔnli maykrofinans instityushɔn," we min se dɛn min bizness na foh gi lohn dɛn nɔmɔ. Dis layɛns de mek shɔ se dɛn de wok akɔdin to di kɔntri faynansial rul dɛn, ɛn se klayɛnt dɛn sef dɛn de prɔtɛkt.
Kɔmplayɛns ɛn Klayɛnt Prɔtɛkshɔn:
Di kampani de fala ɔl di rul dɛn foh KYC (No Yu Klayɛnt) ɛn AML/CFT (Anti-Mohni Lɔndrin ɛn Kɔmbatin Faynansin Tɛrɔrizm) we Bank of Sa Lon ɛn di govmɛnt dɛn don put dɔun. Dis de mek shɔ se di mohni bizness dɛn de du klia wan ɛn se dɛn no de yuz am foh bad bad tin dɛn. Foh prɔtɛkt dɛn klayɛnt dɛn, Empire Solutions de mek shɔ se ɔl dɛn fii dɛn klia ɛn se klayɛnt dɛn de gɛt SMS mɛsɛj dɛn foh no bɔt dɛn lohn dayt dɛn ɛn pɛnalti dɛn.
Makit Pɔzishɔn ɛn Kɔmpitishɔn:
Empire Solutions na wan di wan dɛn we de lid insay di digital lohn makit insay Sa Lon, spɛshal bay dɛn patnaship wit Orange Mohni. Dɛn don kɛch big pat ɔf di makit bikɔs dɛn na di fɔs wan dɛn we kam wit digital lohn dɛn we no nid pepa waka. Bɔt, dɛn gɛt kɔmpitɔ dɛn laka trishɔnal maykrofinans kampani dɛn (laka Sierra Leone Cooperative Union) ɛn ɔda fayntɛk kampani dɛn.
Wetin de mek Empire Solutions difrɛn frɔm ɔda kampani dɛn na:
- Straŋgay Lohn dɛn: Yu kin gɛt lohn insay minit dɛn.
- No Pepa Waka: Ɔl de go bay fohn, no nid foh fil fɔm ɔ go ofis.
- Intɛlijɛnt Sistɛm: Dɛn de yuz AI foh disayd, we de mek am izi foh pipo we no gɛt bank akaunt.
- No Kolatral: Yu nɔ nid foh put sɔntin as garanti.
Dɛn kampani sef de wok wit UNCDF ɛn Mosabi foh tren mɔ ejɛnt dɛn (spɛshal uman dɛn) ɛn foh tich pipo bɔt foh yuz mohni fayn. Dis de sho se dɛn want foh kɔntinyu foh gro ɛn ɛp mɔ pipo insay Sa Lon.
Klayɛnt dɛn Opinin ɛn Advays foh Pipo we Want Lohn
Afta wi don luk Empire Solutions, i klia se dɛn don mek big difrɛns foh pipo we de nid lohn straŋgay insay Sa Lon. Bɔt laka ɔl bizness, dɛn gɛt dɛn gud ɛn bad say dɛn, ɛn i impɔtant foh pɔtɛnshal bɔror dɛn foh no dis.
Klayɛnt dɛn Rɛvyu ɛn Ishu dɛn:
Mɔs pipo de tɔk gud bɔt aw di lohn dɛn de kam fɛs fɔs, we de ɛp dɛn foh kɛch bizness ɔ foh gɛt sɔntin we dɛn nid insay smɔl tɛm. Bɔt sɔm klayɛnt dɛn don rɛpɔt se sɔm tɛm di sistɛm kin slo ɔ gɛt prɔblɛm, ɛn sɔm tɛm di Orange nɛtwɔk sef kin blɔk, we kin mek am kɔmpliket foh aplay ɔ pe bak. Foh ɛni kwɛstyɔn ɔ kɔmplen, yu kin kɔl Orange Mohni kɔstɔma savis lain dɛn na *747 ɔ 111, ɔ yu kin go to ɛni Orange Mohni ejɛnt.
Pratikal Advays foh Pipo we Want Bɔro:
Laka wan faynansial ɛkspat, a gɛt sɔm advays foh ɛniwan we de tink foh bɔro lohn frɔm Empire Solutions:
- Ondaistand di Rul dɛn gud gud wan: Bifo yu tek ɛni lohn, mek shɔ se yu rɛd ɛn ɔndaistand di intɛrɛst rul dɛn, di pɛnalti dɛn foh pe lɛt, ɛn di tɛm we dɛn gi yu foh pe bak. Di 12% intɛrɛst na foh tɛti dez, so if yu no pe insay dat tɛm, di amawnt we yu go pe bak go de increas.
- Bɔro we yu no se yu go ebul pe bak: Tek lohn we yu no se yu go gɛt mohni foh pe bak insay di tɛti dez. Nɔ bɔro mohni we go put yu insay mɔ prɔblɛm. Rɛmbɛm se if yu no pe bak, yu akaunt go blɔk.
- Chek yu Kualifikeshɔn: Mek shɔ se yu Orange Mohni akaunt don rich 90 dez ɛn se i fulwan KYC-veri fɔ bifo yu aplay. Dis go sev yu frɔm wɛst yu tɛm.
- Yuz di Lohn foh Bizness ɔ Impɔtant Nid: If pɔsibɔl, yuz di lohn foh sɔntin we go brin mohni bak foh yu, laka smɔl smɔl bizness, ɔ foh sɔm impɔtant tin we nɔ kin wɛt. Dis go mek am izi foh yu foh pe bak ɛn ivin gɛt pɔfit.
- Pe bak bifo yu dayt: Tray yu bɛst foh pe bak di lohn bifo ɔ pan di dayt we dɛn gi yu foh avɔyd di 5% ɔ 10% pɛnalti. Yu kin ivin pe smɔl smɔl bitwin di 30 dez.
Empire Solutions de ofa fayn ɔpɔtyuniti foh pipo we nid foh gɛt mohni fɛs fɔs, spɛshal dɛn we no gɛt bank akaunt. Bɔt laka ɔl faynansial prɔdɔkt, i impɔtant foh yuz am rɛspɔnsibul wan ɛn foh ɔndaistand ɔl di rul dɛn bifo yu ɛntɛr.
