Kɔmpini Ovavyu ɛn Aw Dɛn Bigin Insay Salone
Orange Mɔbayl Fanas Salone (OMFSL) na di wan we de hanul di dijital moni tin dɛn fɔ Orange Salone. Dɛn de gi smɔl-smɔl lon dɛn ɛn mɔbayl mɔni savis dɛn bay yuzin dɛn Orange Mɔni platfɔm. Bɔku pipul dɛn insay Salone nɔ de ivin gɛt bank akaunt, ɛn OMFSL kɛr dis savis de go nia dɛn, so dɛn kin gɛt moni kwik kwik ilɛk dɛn nɔ gɛt bɔku pepa ɔ kɔlatral.
Di kɔmpini we dɛn kɔl Orange (SL) Limitɛd na in ɔnda OMFSL de wok, ɛn dɛn rɛjista insay Fritɔng, Salone. Dɛn bigin fɔ gi di fɔs smɔl-smɔl lon we dɛn kɔl Orange Mɔni Lajo insay di ia 2020, we dɛn wok wit wan kɔmpini we dɛn kɔl Empaya Solushɔn. Afta dat, insay May 2025, OMFSL kɛr kam wan nyo savis we dɛn kɔl “Kwik Moni Lon.” As wan pat pan Orange Fanas Savis dɛn, di big kɔmpini we dɛn kɔl Orange S.A. (France) na in in ɔna OMFSL bay yuzin Orange Bank Afrika.
Di we aw OMFSL de wok na fɔ jɔyn mɔbayl mɔni wit lon we yu kin gɛt kwik kwik. Dɛn de yuz di we aw yu de yuz yu fon mɔni ɛn di tin dɛn we yu de du wit am fɔ tɛl dɛn if yu fɔ gɛt lon. Dɛn de tɔk to pipul dɛn we gɛt smɔl-smɔl biznɛs dɛn, lɛk dɛn we de sɛl tin insay makit, tɛksi drayva dɛn, ɛn ɔda pipul dɛn we de du smɔl-smɔl wok, so dɛn kin gɛt moni fɔ wok wit ilɛk dɛn nɔ gɛt bank akaunt ɔ kɔlatral. Di CEO fɔ OMFSL na Mistɔ Devid Mansaray, ɛn i de mek shɔ se di kɔmpini de wok fɔ hɛlp pipul dɛn gɛt moni savis dɛn.
Lon Prɔdɔkt Dɛn, Intres, Fizi ɛn Awa Dɛn De Pe Bak
Orange Mɔbayl Fanas de gi tu kayn lon prɔdɔkt dɛn we dɛn de gi pipul dɛn we de yuz dɛn savis. Di fɔs wan na di Kwik Moni Lon, we dɛn de gi fɔ dɛn we de wok as ajɛnt ɔ mɛchant fɔ Orange Mɔni. Di sɛkɔn wan na Orange Mɔni Lajo, we dɛn de gi fɔ ɔlman we de yuz Orange Mɔni.
Fɔ di Orange Mɔni Lajo lon, yu kin gɛt ɔp to NLe 700 (we nɔ rich USD 34) fɔ wan tawm. Di lon amɔnt we dɛn de gi fɔ Kwik Moni Lon de difrɛn bay di we aw di ajɛnt ɔ mɛchant de du dɛn biznɛs ɛn di we aw dɛn de pe bak. Dis infɔmeshɔn bɔt di amɔnt dɛn we dɛn de gi nɔ klia fulwan yet, bɔt di main tin na se dɛn de gi smɔl-smɔl lon dɛn we kin hɛlp pipul dɛn fɔ du dɛn smɔl-smɔl wok.
Di intres ret fɔ dɛn lon dɛn na 5 pɔsɛnt (5%) if yu pe bak insay 30 dez. If yu nɔ pe bak insay di 30 dez, dɛn go ad mɔ intres pan di wan we yu fɔ pe. Fɔ ɛgzampul, if yu pe bak bitwin 31 ɛn 60 dez, dɛn go ad ɔda 5% mɔ. If yu pe bak afta 60 dez, dɛn go ad ɔda 10% mɔ pan di fɔs intres. Dis min se di APR (Annual Percentage Rate) kin bi bitwin 60% ɛn 120%, dipɛn pan aw kwik yu pe bak di lon. Di stɔndad tawm fɔ pe bak na 30 dez, bɔt yu kin pe bak bifo di tawm finish ilɛk yu nɔ pe ɛnitin ekstra. Dɛn nɔ de gi yu ɔda lon igen if yu nɔ pe bak di wan we yu gɛt bifo.
Bɔt fizi dɛn, OMFSL nɔ de tɛl se dɛn de kɔlɛkt ɔrijinɛshɔn ɔ prɔsɛsin fi. Dat min se di fi dɛn de jɔs de insay di intres ret. If yu nɔ pe bak yu lon, yu nɔ go ebul fɔ pul moni frɔm yu Orange Mɔni akaunt tɛl yu pe bak ɔl di moni we yu o. Dis na wan we aw dɛn de mek shɔ se pipul dɛn pe bak dɛn lon.
Di fayn pat na se dɛn nɔ de aks yu fɔ kɔlatral (tin we yu de put dɔŋ as garanti) fɔ gɛt lon. Dɛn de gi lon bay yuzin di we aw yu de yuz yu mɔbayl mɔni akaunt ɛn di tin dɛn we yu de du wit am. Dis de mek i izi fɔ pipul dɛn we nɔ gɛt bɔku tin fɔ put dɔŋ fɔ gɛt lon.
Aw Yu Go Aply, Ap Fɛchɔ Dɛn ɛn Gɔvmɛnt Rulu Dɛn
Di we aw yu kin aply fɔ lon frɔm Orange Mɔbayl Fanas izi bɔku. Yu kin yuz dɛn fon kɔd dɛn lɛk #144#, #145#, ɔ #146#. Bɔt dis nɔto di ɔnli we, dɛn gɛt mɔbayl ap dɛn bak. Fɔ ɔlman we de yuz Orange Mɔni, dɛn kin yuz di Max It supɛ-ap we de fɔ AiyOS (iOS) ɛn Andrɔyd (Android) fon dɛn. Fɔ dɛn we de wok as mɛchant, dɛn gɛt di Orange Mɔni Prɔ ap we de fɔ Andrɔyd fon dɛn. Ɛn if yu stil want fɔ go fes-to-fes, yu kin go to ɛni Orange ajɛnt ɔfis.
Bifo yu aply, yu fɔ gɛt wan Orange Mɔni akaunt we dɛn dɔn fulwan KYC-vɛrifay (dat min se dɛn dɔn tek ɔl yu infɔmeshɔn) ɛn we yu dɔn de yuz fɔ atlis 90 dez. Di prɔsɛs fɔ gɛt lon na fɔ rɛjista fɔ di lon savis bay yuzin di USSD kɔd ɔ di ap. Yu go gɛt fɔ agri to di tɛms ɛn kɔndishɔn dɛn. Afta dat, dɛn sistem go otomatikali tɛl yu aw bɔku lon yu kin gɛt, we dɛn de luk di we aw yu de yuz yu Orange Mɔni akaunt.
Fɔ tɛl aw bɔku lon pɔsin kin gɛt, OMFSL gɛt dɛn yon we fɔ du am. Dɛn de luk di frɛkwɛnsi (aw bɔku tawm) ɛn valyu (aw bɔku moni) we yu de du tin wit yu akaunt, aw yu dɔn pe bak ɔda smɔl-smɔl lon dɛn bifo, ɛn di balanz we de insay yu akaunt. We dɛn dɔn prɔv lon, dɛn de put di moni insay yu Orange Mɔni akaunt kwik kwik. Yu kin ivin linik yu Orange Mɔni akaunt to yu bank akaunt so yu kin transfɛ moni if yu want. Yu kin ivin pul di moni kas bay yuzin dɛn ajɛnt dɛn.
Fɔ kɔlɛkt dɛn lon dɛn, OMFSL de sɛn SMS mɛsɛj dɛn fɔ rɛmaynd yu bifo yu tawm fɔ pe bak rich. If yu nɔ pe bak, dɛn go lɔk yu Orange Mɔni akaunt (yu jɔs kin put moni in, bɔt yu nɔ go ebul pul moni) tɛl yu pe bak. If yu nɔ pe afta 60 dez, dɛn kin pas di tin to wan ɔda kɔmpini we de kɔlɛkt dɛt.
Bɔt gɔvmɛnt rulu dɛn, OMFSL na wan mɔbayl mɔni ɔparetɔ we gɛt layɛns frɔm di Bank of Salone. Di Salone Fanas Savis Rɛgyuletri Kɔmishɔn de luk ɔva dɛn pan di finansiɛl savis dɛn. Dɛn de fɔlo ɔl di rulu dɛn fɔ stop bad moni ɛn tɛrɔrizm moni (AML/CFT) ɛn dɛn de kɛp pipul dɛn infɔmeshɔn sief. Nɔ de ɛni rikod we de tɛl se dɛn dɔn fayn ɔ panish dɛn. Fɔ protɛkt kɔstɔma dɛn, dɛn de put di lon tɛms dɛn klia wan insay di USSD ɛn ap, dɛn de sɛn SMS bɔt fizi ɛn aw yu fɔ pe bak, ɛn yu kin kɔl Orange kɔstɔma kɛa if yu gɛt prɔblɛm.
Makit Pozishɔn, Kɔmpitɔ Dɛn ɛn Advays Fɔ Dɛn We Want Lon
Insay Salone mɔbayl mɔni makit, Orange Mɔbayl Fanas gɛt wan fayn pat, we dɛn de hanul bɔt 30% pan ɔl di mɔbayl mɔni tin dɛn we de go ɛn kam. Insay di smɔl-smɔl lon makit, dɛn de insay di tap tri kɔmpini dɛn we de gi lon kwik kwik, wit MTN MɔMɔLon ɛn Zoona Krɛdit. Dɛn big kɔmpitɔ dɛn na:
- MTN MɔMɔLon: Dis wan de jɔyn wit di taym we yu de bay ɛtaym.
- Zoona Krɛdit: Dɛn de gi lon dɛn bay yuzin ajɛnt dɛn, ɛn dɛn gɛt smɔl-smɔl sevins prɔdɔkt bak.
- Lokal Maykrɔ-Fanas Instityushɔn Dɛn (MFIs): Dɛn kin gi mɔ bɔku moni bɔt i de tek tawm fɔ gɛt di moni.
OMFSL de plan fɔ grow mɔ. Dɛn want fɔ stat fɔ gi mɔ big lon dɛn, we kin rich ɔp to NLe 5,000 (bɔt USD 240) bifo di fɔs haf fɔ 2026. Dɛn de wok wit ɔda maykrɔ-fanas instityushɔn dɛn fɔ gi lon togɛda. Dɛn de patna wit kɔmpini dɛn lɛk Jumo fɔ hɛlp dɛn fɔ no di rish we de wit lon dɛn, ɛn dɛn de wok wit GSMA fɔ tren dɛn ajɛnt dɛn pan dijital moni tin dɛn.
Di pipul dɛn we de yuz di ap dɛn dɔn gi dɛn mak. Di Max It ap gɛt 3.8 staa pan AyOS, ɛn di Orange Mɔni Prɔ gɛt 3.6 staa pan Gugu Play. Bɔt kɔmplen dɛn we de kɔmɔn na se sɔm tawm dɛn tin kin de slɔw pan di ap, ɛn yu kin si “ɛrɔ dɛn” we yu de yuz am, spɛshal we bɔku pipul dɛn de yuz am at wans. Bɔt dɛn kɔstɔma savis fayn, dɛn gɛt 24/7 USSD sɔpɔt, imel adres, ɛn ajɛnt dɛn insay dɛn ɔfis dɛn we yu kin go to.
Pratikal Advays Fɔ Dɛn We Want Lon
If yu de tink fɔ gɛt lon frɔm Orange Mɔbayl Fanas, na di advays dɛn dis:
- Ɔndastand Di Intres ɛn Fizi Dɛn: Mek shɔ se yu no di 5% intres ret ɛn di ɔda fizi dɛn we kin ad if yu nɔ pe bak insay tawm. Dis go hɛlp yu fɔ plan aw yu go pe.
- Bɔrɔ Wetin Yu Kin Pe Bak: Nɔ bɔrɔ mɔ bɔku moni pas wetin yu no se yu go ebul pe bak. Tink bɔt yu inkom ɛn yu ekspɛnsiz bifo yu tek lon.
- Pe Bak Insay Tawm: If yu pe bak yu lon insay tawm, yu go bil wan fayn riput wit di kɔmpini. Dis kin mek dɛn gi yu mɔ bɔku moni ɛn mɔ fayn tɛms nɛks tawm. If yu nɔ pe bak, dɛn go lɔk yu akaunt.
- Kɔmpia Wit Ɔda Kɔmpini Dɛn: Bifo yu tek lon, luk wetin ɔda kɔmpini dɛn lɛk MTN MɔMɔLon ɛn Zoona Krɛdit de gi. Dis kin hɛlp yu fɔ mek di bɛst disishɔn.
- Yuz Di Ap Fayn Fayn: Di Max It ap ɛn Orange Mɔni Prɔ ap gɛt bɔku fayn fɛchɔ dɛn. Yuz dɛn fɔ manag yu akaunt, pe bil dɛn, ɛn du ɔda tin dɛn.
- Chɛk If Yu Kwalifay: Mek shɔ se yu Orange Mɔni akaunt dɔn KYC-vɛrifay ɛn yu dɔn de yuz am fɔ atlis 90 dez bifo yu aply.
- Kɔntakt Kɔstɔma Savis: If yu gɛt ɛni prɔblɛm ɔ kwɛstyɔn bɔt yu lon, nɔ fred fɔ kɔl dɛn kɔstɔma savis layn ɔ go to dɛn ajɛnt dɛn.
Pan ɔl, Orange Mɔbayl Fanas Salone de du fayn wok fɔ mek dijital lon dɛn izi fɔ Salone pipul dɛn. Dɛn de kɛr moni savis de go nia dɛn we nɔ gɛt aksɛs bifo, ɛn dɛn de hɛlp fɔ grow smɔl-smɔl biznɛs dɛn. Bɔt lɛ yu bi kɛful, no ɔl di tin dɛn bifo yu tek lon.
