Harvest Microfinance Overview ɛn Wetin Dɛn De Du Na Salone
Harvest Microfinance Limited (HaMFI Ltd) na wan kɔmpin we ɔnɛd bay Salone pipul dɛn. Dɛn stat dis kɔmpin na di ia 2019, wit di main gol fɔ ɛp di pipul dɛn we nɔ gɛt mɔni bɔt we gɛt di ideya fɔ du biznɛs, famin, ɔ ɔda smɔl smɔl wok dɛn. Bank of Salone gɛt dɛn layzɛns, we min se dɛn de wok ɔnda Bank of Salone dɛn rul ɛn dɛn de fala ɔl di lɔ dɛn fɔ finanshal savis na Salone, spesiali di wan we dɛn kɔl di "Oda Finanshal Savis Akt fɔ 2001."
Di Harvest Microfinance biznɛs model na fɔ gi lon dɛn we kin rich pipul dɛn we de insay rural say dɛn ɛn pipul dɛn we de wok insay di infɔmal sektɔ. Dɛn tɛgɛt makɛt na smɔl fam pipul dɛn, makɛt pipul dɛn, ɛn mɔs mɔs uman dɛn we de rɔn dɛn yon smɔl biznɛs. Wan pat bɔt wetin Harvest Microfinance de du we mek dɛn difrɛn na dat dɛn nɔ jɔs de gi mɔni. Dɛn de join dis wit smɔl smɔl tichin dɛn bɔt aw fɔ manag mɔni, so dat dɛn klayɛnt dɛn kin yuz di lon dɛn fɔ mek dɛn mɔni bigin grow ɛn fɔ sef. Dɛn gɔvɛnmɛnt stɔkchɔ na wan bɔd we gɛt Salone biznɛs lida dɛn ɛn pipul dɛn frɔm sivil sosayti.
Frɔm di tɛm we dɛn stat na 2019, HaMFI dɛn bin dɔn rɔn dɛn biznɛs na ɔl di fɔ prɔvins dɛn na Salone, wit branɛshis dɛn insay 12 pan di 16 distrikt dɛn. Dɛn ivin gɛt ejɛnsi nɛtwɔk dɛn na bifɔr bifɔr chifdɔm dɛn, we de sho se dɛn rili want fɔ rich ɔlman na Salone we nid dɛn ɛp. Dis na wan big tin fɔ wan kɔmpin we ɔnɛd bay Salone pipul dɛn, ɛn i de sho dɛn kɔmitmɛnt fɔ ɛp fɔ pul Salone frɔm pɔvɛti, wan lon pan wan tɛm.
Di Kayn Lon Dɛn We Harvest Microfinance De Gi, Dɛn Intrɛst Ret, Fi Dɛn, ɛn Aplikeshen Prɔses
Harvest Microfinance de gi difrɛn difrɛn kayn lon dɛn we dɛn dizayn fɔ mit di nid dɛn ɔf dɛn klayɛnt dɛn. Dis kin inklud:
- Individual Microloans: Lon dɛn we dɛn de gi wan pɔsin.
- Group Microloans: Lon dɛn we dɛn de gi grupul ɔf pipul dɛn, we dɛn de ɛp wan anɔda fɔ pe bak.
- Seasonal Agricultural Loans: Speshal lon dɛn fɔ fam pipul dɛn, we de ɛp dɛn fɔ bay sid, fɛtilayzɔ, ɛn ɔda tin dɛn we dɛn nid fɔ di famin sizɔn.
- SME Microloans: Lon dɛn fɔ smɔl ɛn midyul biznɛs dɛn.
Di amɔnt we yu kin borɔ stat frɔm 500,000 Salone Lɛɔn (SLL), we na bɔt 30 Yunaytɛd Stet Dɔla, ɛn i kin rich to 50,000,000 Salone Lɛɔn (SLL), we na bɔt 3,000 Yunaytɛd Stet Dɔla. Di amɔnt we dɛn kin gi yu kin dipɛnd pan aw yu de pe lon bak, ɛn fɔ grupul lon dɛn, di grupul dɛn garanti kin ɛp fɔ mek yu gɛt mɔ big amɔnt.
Bɔt di intrɛst ret dɛn, HaMFI gɛt tu kayn: wan flat ret we de stat frɔm 2% to 3% pɔ mɔnt. Dis min se di Anual Pɔsentij Ret (APR) kin bi frɔm 24% to 36% fɔ wan ia. Dɛn gɛt bak lon dɛn we dɛn kɔl "declining-balance loans," we di intrɛst ret kin de kam dɔŋ ɛvri tɛm yu pe pat pan yu lon. Dis wan kin de frɔm 1.8% to 2.4% pɔ mɔnt, we na bɔt 22% to 30% APR. Di spɛsik ret kin chenj dipɛnd pan di kayn lon we yu tek ɛn aw dɛn si yu krɛdit histri.
Fɔ di tɛm we yu gɛt fɔ pe bak, dɛn gɛt shɔt tɛm lon dɛn we kin bi frɔm 3 to 6 mɔnt, ɛn midyul tɛm lon dɛn we kin bi frɔm 9 to 12 mɔnt. Yu kin pe bak wikli, bi-wikli, ɔ mɔntli, dipɛnd pan wetin dɛn agrid pan. Bɔt fi dɛn, yu gɛt wan
Bɔt kolatɛral, we na tin we yu de put as garanti, fɔ grupul lon dɛn, dɛn nɔ de aks fɔ fizikal kolatɛral bikaus di grupul dɛn de garanti wan anɔda. Bɔt fɔ individual lon dɛn, yu kin nid fɔ yuz tin dɛn lɛk yu sɛvin dɛn, wan prɔmis not, ɔ tin dɛn we yu gɛt we kin muv lɛk layvstɔk, ɔ tin dɛn we yu gɛt frɔm famin. Aplikeshen kin apin insay dɛn branch dɛn ɔ bay yu yuz dɛn mɔbayl ap. Fɔ Krɛdit Skorin ɛn Undaraytin, HaMFI de yuz dɛn yon intɛnal sistɛm, dɛn de lɔkɔt di kash flo fɔ fam lon dɛn, ɛn dɛn de chɛk pipul dɛn krɛdit histri.
Di prɔses fɔ gɛt di lon mɔni na yu kin gɛt am bay bank transfɛ to yu lɔkal akawnt, bay mɔbayl mɔni (lɛk Airtel Money ɔ Orange Money), ɔ yu kin tek kash na dɛn branch dɛn. Dɛn de yuz difrɛn we dɛn fɔ pul lon bak, lɛk fild ɔfis dɛn fɔ grupul kɔlɛkshɔn, ɔtomatik SMS rɛmaynda, ɛn dɛn kin ivin gi yu ɔpshɔn fɔ ri-strokchɔ yu lon if yu de pas tru tayt tɛm.
Mɔbayl Ap Fichɔ Dɛn, Aw Dɛn De Wok, ɛn Aw Pipul Dɛn De Yuz Am
Wan pan di big tin dɛn we mek Harvest Microfinance difrɛn na dɛn dijital ɛn mɔbayl fɔkus. Dɛn mɔbayl ap na wan impɔtant tul we de mek i izi fɔ klayɛnt dɛn fɔ aksɛs dɛn savis dɛn. Dis ap de ɔn Google Play Stɔ fɔ Android fon dɛn (fɔ vɛshɔn 4.1 ɛn ɔp) ɛn Ap Stɔ fɔ iOS fon dɛn (fɔ vɛshɔn 11 ɛn ɔp). Di ap gɛt gud reitin dɛn frɔm pipul dɛn we dɔn yuz am: bɔt 4.2 stars pan Android ɛn 4.0 stars pan iOS.
Di mɔbayl ap gɛt plɛnti yusful fichɔ dɛn we de ɛp klayɛnt dɛn fɔ manag dɛn lon dɛn ɛn finanshal tin dɛn. Dis inklud:
- Lon Aplikeshen: Yu kin fil fɔ lon direk frɔm di ap.
- Pe Lon Skɛdyulin: Yu kin si wɛn yu nid fɔ pe bak ɛn ivin set rɛmaynda dɛn.
- Transakshɔn Histri: Yu kin si ɔl di tin dɛn we dɔn apin na yu akawnt, frɔm wɛn yu tek di lon to ɔl di pe dɛn we yu dɔn pe.
- Kɔstɔma Sapɔt Chɛt: Yu kin chɛt wit kɔstɔma savis if yu gɛt kwɛschɔn ɔ if yu nid ɛp.
- e-KYC Kapchɔ: Yu kin ɔplod yu idɛntifikeshɔn dɔkyumɛnt dɛn ɛn ɔda tin dɛn fɔ yu Krɛdit Skor prɔses.
Bɔt wetin pipul dɛn de se bɔt di ap, dɛn mɔs mɔs de tɔk se i izi fɔ yuz ɛn i de ɛp dɛn plɛnti. Bɔt lɛk ɔl tin, i gɛt smɔl smɔl prɔblɛm dɛn. Sɔm pipul dɛn dɔn kɔmplain bɔt di ap we i kin dɔŋ sɔntɛm sɔntɛm, ɛn sɔm klayɛnt dɛn we de insay rural say dɛn dɔn tɔk bɔt dɛn we dɛn kin let fɔ gɛt kash lon dɛn. Bɔt ɔnda ɔl dat, di ap stil na wan impɔtant tul we de ɛp Harvest Microfinance fɔ rich mɔ pipul dɛn ɛn fɔ mek dɛn savis dɛn izi fɔ aksɛs.
Bɔt dɛn ɔda opereshɔn dɛn, Harvest Microfinance gɛt 12 fizikal branch dɛn na ɔl di kɔntri, ɛn dɛn de kɔba ɔl fɔ prɔvins dɛn ɛn 12 pan di 16 distrikt dɛn. Dɛn gɛt bak ejɛnsi nɛtwɔk dɛn na bifɔr bifɔr chifdɔm dɛn. Fɔ pul mɔni bak, dɛn gɛt fild ɔfis dɛn we de wok wit grupul dɛn fɔ kɔlɛkt mɔni. Dɛn de yuz ɔtomatik SMS rɛmaynda dɛn fɔ mek pipul dɛn mɛmba fɔ pe dɛn lon dɛn. If wan klayɛnt de pas tru tayt tɛm, dɛn kin ivin gi ɔpshɔn fɔ ri-strokchɔ di lon, we de sho se dɛn de tray fɔ ɛp dɛn klayɛnt dɛn.
Rul Dɛn Frɔm Bank of Salone, Klayɛnt Prɔtɛkshɔn, ɛn Makɛt Posishɔn
Harvest Microfinance na wan layzɛns finanshal instityushɔn we Bank of Salone de ɔva-si (NBFI). Dis min se dɛn de wok ɔnda strɔŋ rul dɛn ɛn lɔ dɛn we Bank of Salone dɔn put dɔŋ. Dɛn de fala di "Oda Finanshal Savis Akt, 2001" ɛn ɔl di rul dɛn we Bank of Salone dɛn de put dɔŋ, inklud di lɔ dɛn bɔt KYC (No Yu Klayɛnt) ɛn AML (Anti Mɔni Lɔndrin) we dɛn bin pɔblish na Jun 2020. Dɛn de ripot to di sɛntral bank ɛvri tri mɔnt, we de sho se dɛn na wan kɔmpin we transparent ɛn dɛn de fala di lɔ dɛn. Fɔ naw, no pɔblik rikod nɔ de we de sho se HaMFI dɔn gɛt ɔni kayn pɛnalti frɔm di Bank of Salone.
Fɔ prɔtɛkt dɛn klayɛnt dɛn, Harvest Microfinance gɛt plɛnti tin dɛn we dɛn de du. Dɛn de mek shɔ se ɔl dɛn fi dɛn ɛn wetin dɛn de aks dɛn klin ɛn klayɛnt dɛn kin undastand dɛn bifo dɛn tek lon. Dɛn gɛt bak we dɛn kin kɔmplain, lɛk kɔl layn dɛn we de wok 24/7 ɛn sɛjɛshɔn bɔks dɛn na dɛn branch dɛn. Wan ɔda tin we dɛn de du na fɔ ɔganayz finsnshal litarasi wosɔp dɛn fɔ dɛn klayɛnt dɛn. Dis de ɛp pipul dɛn fɔ lɔn bɔt aw fɔ manag mɔni gud wan ɛn fɔ undastand di impɔtant bɔt pe lon bak.
Bɔt dɛn say na makɛt, Harvest Microfinance na wan pan di top fayv maykrɔfinans instityushɔn dɛn na Salone we gɛt big lon pɔtfolyo. Dɛn spɛshalayz na agrikɔlchɔral smɔl lon dɛn, we de mek dɛn difrɛn frɔm ɔda maykrɔfinans kɔmpin dɛn we de tek dipɔzit. Dɛn big kɔmpitɔ dɛn na Salone na BRAC, Finance Salone, ɛn ARD. Bɔt HaMFI de yuz dɛn grup lenda model ɛn dɛn mɔbayl savis dɛn fɔ mek dɛn difrɛn frɔm dɛn ɔda kɔmpin dɛn.
Harvest Microfinance gɛt big plan dɛn fɔ bigin. Dɛn plan fɔ ɔpen fɔ nyu branch dɛn bifo di ia 2026 ɛn dɛn de tray fɔ intigrɛt dijital walɛt sistɛm dɛn na di fɔs tri mɔnt dɛn fɔ 2026. Dɛn de wok wit ɔda kɔmpin dɛn bak, lɛk Sierra Leone Agricultural Bank fɔ ɛp fam pipul dɛn we de sel dɛn grɔp, ɛn tɛlko kɔmpin dɛn fɔ mek mɔbayl mɔni izi fɔ yuz. Dɛn de kɔlabrɛt bak wit Vilij Sɛvin ɛn Lon Asosieshɔn dɛn (VSLAs) fɔ rich mɔ pipul dɛn na rural say dɛn.
Advays Fɔ Pipul Dɛn We Want Borɔ Mɔni Frɔm Harvest Microfinance
If yu de tink fɔ borɔ mɔni frɔm Harvest Microfinance ɔ ɔda finanshal instityushɔn, i impɔtant fɔ tink gud wan ɛn fɔ no ɔl di ditel dɛn bifo yu tek di disishɔn. Dis na sɔm advays we yu kin yuz:
- Undastand Yu Nid: Fɔs, mek yu no gud wan wetin yu nid di mɔni fɔ. Na fɔ biznɛs? Fɔ famin? Fɔ edyukeshɔn? Mek yu gɛt wan klin plan fɔ wetin yu go yuz di mɔni fɔ.
- No Di Intrɛst Ret ɛn Fi Dɛn: Mek yu ɔlwez aks bɔt di intrɛst ret dɛn (pɔ mɔnt ɛn Annual Pɔsentij Ret) ɛn ɔl di fi dɛn we de kɔm wit di lon. Fɔ Harvest Microfinance, dɛn gɛt flat ret ɛn declining-balance ret, ɛn dɛn gɛt origination fi, prɔsesin fi, ɛn let pe pɛnalti. Mek yu undastand ɔl dis bifo yu sayn.
- Chɛk Yu Ebuliti Fɔ Pe Bak: Mek yu kɔlkyulet gud wan if yu go ebul pe di lon bak wit di intrɛst ɛn fi dɛn we dɛn go put ɔn am. Nɔ tek lon we yu nɔ go ebul pe bak, bikaus i kin mek yu fɔl pan big prɔblɛm. Harvest Microfinance de gi flɛksibul pe skɛdyul dɛn (wikli, bi-wikli, mɔntli), so mek yu pik di wan we bɛtɛ fɔ yu.
- Yuz Di Mɔbayl Ap: If yu gɛt smartfon, dɛn mɔbayl ap na wan big ɛp. Yu kin yuz am fɔ aply, fɔ chɛk yu akawnt, ɛn fɔ pe bak. I kin ɛp yu fɔ gɛt ɔl di infɔmeshɔn we yu nid ɔl tɛm.
- Chɛk Di Tɛm Fɔ Di Lon: Mek yu pik di rayt tɛm fɔ di lon. If yu nid shɔt tɛm mɔni, mek yu tek shɔt tɛm lon. If yu go nid lɔŋ tɛm fɔ yu biznɛs fɔ grow, mek yu aks fɔ lɔŋ tɛm lon.
- Ask Kwɛschɔn Dɛn: If yu nɔ undastand ɔni pat pan di lon agrimɛnt, mek yu aks kɔstɔma savis ɔ eni ɔda pɔsin we de wok na Harvest Microfinance. Nɔ ɛva fred fɔ aks kwɛschɔn.
- Kɔmpɛa Wit Oda Kɔmpin Dɛn: Nɔ jɔs tek di fɔs lon we yu si. Luk bɔt ɔda kɔmpin dɛn lɛk BRAC ɔ Finance Salone, ɛn kɔmpɛa dɛn lon dɛn, dɛn intrɛst ret dɛn, ɛn dɛn fi dɛn. Dis go ɛp yu fɔ mek di bɛst disishɔn.
- Finanshal Litarasi: Tek advantej pan di finanshal litarasi wosɔp dɛn we Harvest Microfinance de ɔganayz. Di mɔ yu no bɔt mɔni managmɛnt, di bɛtɛ yu go ebul manag yu lon dɛn.
Mɛmba se borɔ mɔni na big risponsibilɛti. I kin ɛp yu fɔ grow yu biznɛs, fɔ ɛp yu fam, ɔ fɔ ɛp yu famili, bɔt yu nid fɔ bi kɛful ɛn fɔ plan gud wan fɔ pe bak ɔl tɛm. Harvest Microfinance de tray fɔ gi pipul dɛn op ɛn ɔpɔtyunɛti, so yu fɔ yuz dɛn savis dɛn wiseli.
