Hau Salone Komoshal Bank (SLCB) Stat ɛn Wetin i De Du
Salone Komoshal Bank Limited (SLCB) na di bigɛs bank we gɔvmɛnt gɛt insay Salone. Dɛn bin fɔs stat am pan Fɛbwari 15, 1973, bay wan lɔ we Palamɛnt pas. Frɔm dat tɛm kɔmɔt, dis bank dɔn de sɔv pipul dɛn, smɔl ɛn midyɔm biznɛs dɛn (SME), big kɔmpini dɛn, ɛn gɔvmɛnt instityushɔn dɛn wit kayn-kayn finanshal savis dɛn.
Di Gɔvmɛnt fɔ Salone gɛt di bɔku shia dɛn insay SLCB, we rich to 89.19%. Di Nɛshɔnal Soshal Sekyuriti ɛn Inshurans Trɔst (NASSIT) gɛt di rɛs, we na 10.81%. Dis min se na gɔvmɛnt gɛt di pawa fɔ de rɔn di bank. Di bank de wok fɔ gi ɔl kayn bankin savis dɛn – frɔm pɛsinɔl akaunt dɛn to big mɔni lɔn dɛn fɔ biznɛs, trɛd faynans, ɛn gɔvmɛnt prɔjɛkt dɛn. Dɛn target ɔl kayn klayɛnt dɛn, frɔm yusɛf ɛn mi to big big kɔmpini dɛn.
Di bank dɔn de sho se dɛn gɛt pawa, ɛspɛshali di tin dɛn we dɛn dɔn du insay 2024. Dɛn dɔn mek bɔku prɔfit ɛn dɛn dɔn de yuz tɛknɔlɔji fɔ impruv di savis dɛn we dɛn de gi. Di hedman fɔ di bank naw na Mista Yusufu Abdul Silla, ɛn i de wok wit Mista Festus Sowa we na di dɛpyuti.
Mɔni Lɔn Dɛn, Intrɛst Rets, ɛn Hau fɔ Aplay
Salone Komoshal Bank (SLCB) de gi kayn-kayn mɔni lɔn dɛn fɔ mit di nid dɛn fɔ difrɛn pipul dɛn. Dɛn gɛt:
- Pɛsinɔl Lɔn: Dis na mɔni lɔn we pɛsin de tek fɔ in pɛsinɔl nid dɛn, lɛk fɔ pe bil, fɔ bay sɔntin smɔl, ɔ fɔ kɔba ɛni sɔden ɛkspɛns. Dis kayn lɔn nɔ de nid kola, bɔt di bank go luk yu krɛdit histri fɔ si if yu fɔ gɛt am.
- Ɔdinari Lɔn: Dis na lɔn fɔ big big tin dɛn, lɛk fɔ bay motoka, bay os, ɔ fɔ stat ɔ grɔw biznɛs. Sɔm tɛm dɛn de aks fɔ kola (lɛk prɔpati) fɔ dis kayn lɔn, bɔt sɔm tɛm nɔto so. Di intrɛst rets kin bi fiks ɔ dɛn kin chenj, difrɛn-difrɛn.
- SME Lɔn: Dis na spɛshal lɔn fɔ smɔl ɛn midyɔm biznɛs dɛn. I de ɛlp biznɛs dɛn fɔ grɔw, bay nyu mashin dɛn, ɔ fɔ mɛnj manej di mɔni we de kɔmɔt ɛn go in di biznɛs. Di amɔnt ɛn tɛm we yu go pe bak kin bi difrɛn-difrɛn, bɔt yu kin kɔsɔlt wit dɛn fɔ wan we go fit yu.
Wan impɔtant tin we yu fɔ no na se di egzakt amɔnt dɛn fɔ lɔn, di intrɛst rets (hau mɔs de ad pan di mɔni), di fiiz (di mɔni we yu go pe ɛkstra), ɛn di tɛm we yu go pe bak, dɛn nɔ de put am ɔpenli pan di SLCB wɛbsayt. Dis min se if yu want fɔ tek lɔn, yu fɔ go insay di bank ɔ kɔntakt dɛn direk fɔ gɛt ɔl di ditiyels. Dis na gud advays fɔ ɛnibɔdi we de plan fɔ tek lɔn.
Hau fɔ Aplay fɔ Lɔn
Fɔ aplai fɔ mɔni lɔn wit SLCB, yu gɛt tu we dɛn: yu kin du am pan di fɔn ap ɔ yu kin go insay di bank direk. If yu de aplai, yu go nid fɔ gi yu aydɛntifikɛshɔn (ID), pruf se yu de fɔ wan ples, ɛn fɔ fil fɔm dɛn. Di bank de fɔlo ɔl di ruls dɛn we Bank fɔ Salone dɔn put fɔ no di klayɛnt dɛn (KYC), fɔ mek shɔ se ɔl di tin dɛn klin ɛn sekyur. Dɛn de yuz dɛn yon we fɔ luk yu krɛdit histri ɛn if yu gɛt kola bifo dɛn gi yu lɔn. Wɛn yu dɔn gɛt di lɔn, dɛn go send di mɔni pan yu akaunt, pan yu mɔbayl mɔni walɛt, ɔ yu kin go tek kash insay di bank. Fɔ pe bak, yu kin set am so di mɔni de kɔmɔt pan yu akaunt ɔ yu kin pe wit di fɔn ap, go insay di bank, ɔ yuz dɛn ejɛnt dɛn.
Di Fɔn Ap dɛn, Pipul dɛn Opinyon, ɛn Savis dɛn
SLCB dɔn de wok tranga wan fɔ yuz tɛknɔlɔji fɔ mek bankin izi fɔ pipul dɛn. Dɛn gɛt tu fɔn ap dɛn:
- Mi Yone SLCB Mɔbayl Ap: Dis ap de fɔ Andrɔyd fɔn dɛn (Gugul Pley Stɔ) ɛn i gɛt 4.3 stars, we min se bɔku pipul dɛn layk am. Mɔ pas 10,000 pipul dɔn dɔwnlod am.
- Mi Yone SLCB Mɔni Walɛt: Dis wan na fɔ Ayos fɔn dɛn (Ap Stɔ) ɛn i de nid Ayos 12.0 ɔ mɔ ap.
Di fɔn ap dɛn gɛt bɔku savis dɛn. Yu kin yuz dɛn fɔ ɔpen akaunt, luk hau mɔs mɔni yu gɛt, send mɔni (ɛn dɛn gɛt wan spɛshal savis dɛn kɔl “Blink Pe” we de mek mɔni go kwik kwik), pe bil dɛn, rikwɛst fɔ chɛk buk, aks kɔshɔn bɔt lɔn dɛn, ɛn ivin chat wit dɛn kɔstɔma savis pan di ap.
Bifɔ di ap dɛn, SLCB bin dɔn gɛt bɔku branch dɛn ɔlsay na Salone, frɔm Fritaun to Bo, Kenema, Makeni, Koidu, ɛn ɔda ples dɛn. Naw dɛn dɔn ad “Mi Yone Tela” ejɛnt dɛn insay fɔs-fɔs ples dɛn we branch nɔ de. Dis de ɛlp pipul dɛn fɔ depɔzit mɔni, tek mɔni, ɛn du ɔda smɔl smɔl bankin tin dɛn klus to dɛn os. Dis de sho se di bank de tray fɔ rich ɔlman, ivin dɛn we de insay rura eria dɛn.
Hau Pipul dɛn De Yuz Di Ap ɛn Di Opinyon dɛn
Di Mi Yone SLCB Mɔbayl Ap gɛt gud reytin, bɔt sɔm pipul dɛn dɔn kɔmplayn se sɔm tɛm di ap de gi prɔblɛm wit hau di letr dɛn de apia, login ɛrɔ dɛn, ɛn sɔm savis dɛn nɔ de wok gud. Bɔt pan ɔl dat, di ɔvɛrɔl opinyon na se di ap gud. Dis de sho se di bank de tray fɔ du in bɛst fɔ gi gud savis pan fɔn, bɔt dɛn stil nid fɔ kɔntinyu fɔ wok pan am fɔ mek i bɛtɛ mɔ.
Gɔvmɛnt Lɔ, Makit Pozishɔn, ɛn Kɔmpitɔ Dɛn
Salone Komoshal Bank de wok ɛnda di lɔ dɛn we Bank fɔ Salone dɔn put. Dɛn gɛt dɛn laysɛns frɔm di Bank fɔ Salone ɛn dɛn de ɔlwez ɔnda di Bankin Ak (2019). Dis min se di bank fɔ fɔlo ɔl di ruls dɛn bɔt hau mɔs mɔni dɛn fɔ gɛt, hau dɛn fɔ manej mɔni we de kɔmɔt ɛn go in, ɛn ɔda impɔtant tin dɛn we Bank fɔ Salone dɔn set. Til naw, dɛn nɔ gɛt ɛni big panalti we gɔvmɛnt bin impoz pan dɛn.
Fɔ prɔtɛkt dɛn kɔstɔma dɛn, SLCB de fɔlo ruls dɛn fɔ gi klayɛnt ɔl di infɔmeshɔn we dɛn nid, fɔ gi lɔn pan fɛa we, ɛn fɔ gɛt we fɔ rɛsɔlv pipul dɛn kɔmplaynt. Yu kin rayz kɔmplaynt pan di mɔbayl ap ɔ yu kin go to dɛn branch dɛn.
Makit Pozishɔn ɛn Kɔmpitɔ Dɛn
SLCB na di bigɛs komoshal bank insay Salone if yu luk di amɔnt fɔ asɛts we dɛn gɛt ɛn di nɔmba fɔ branch dɛn. Dɛn dɔn set dɛnsɛf as wan lida insay di bankin industri. Dɛn kɔmpitɔ dɛn insay Salone na Rokel Komoshal Bank, Aksɛs Bank Salone, ɛn Standad Chatɛd Salone. Bɔt wetin mek SLCB difrɛn na dat na gɔvmɛnt gɛt am, dɛn gɛt bɔku ejɛnt dɛn insay fɔs-fɔs ples dɛn, ɛn dɛn na fɔs fɔ yuz nyu tɛknɔlɔji wit dɛn patnaship wit Bank-Genie fɔ disital bankin.
Di bank dɔn de grɔw kwik kwik. Insay 2024, dɛn prɔfit bifɔ taks bin sho big grɔt, we pas 378% kɔmpia to di yia bifo dat. Dɛn dɔn mek bɔku mɔ mɔni frɔm ɔda savis dɛn ɛn dɛn dɔn mek di kɔst fɔ rɔn di bank smɔl. Di nɔmba fɔ lɔn we pipul dɛn nɔ pe bak (NPL Reyt) dɔn drɔp, we de sho se dɛn de manej di lɔn dɛn gud.
Advays fɔ Dɛn We Want Tek Mɔni Lɔn frɔm SLCB
If yu de tink fɔ tek mɔni lɔn frɔm Salone Komoshal Bank (SLCB), dɛn wan dɛn na sɔm impɔtant tin dɛn we yu fɔ no ɛn tink bɔt bifo yu mek yu disishɔn. Dis advays na fɔ ɛp yu fɔ mek gud chɔys we go fit yu faynanshal situeshɔn.
- Sika ɔl di Ditiyels: As dɛn nɔ de put di egzakt intrɛst rets, fiiz, ɛn tɛm dɛn ɔpenli pan dɛn wɛbsayt, i impɔtant fɔ go insay di bank ɔ yuz dɛn ap fɔ aks ɔl di kɔshɔn dɛn. Mɛk shɔ yu andastand ɔl di mɔni we yu go pe, inklud intrɛst ɛn ɛni ɔda fiiz, bifo yu sayn ɛnitin. Aks fɔ dɛn rayt-dɔwn insay papɛl.
- No Yu Ripemɛnt Pawa: Bifɔ yu tek lɔn, luk gud yu akaunt fɔ si if yu go ebul fɔ pe bak di lɔn ivri mɔnt wit di intrɛst. Nɔ tek lɔn we go mek yu prɛsh bɔku. Tink bɔt yu mɔntli inkom ɛn ɛkspɛns dɛn.
- Kɔmpia wit ɔda Bank Dɛn: Ivun if SLCB na di bigɛs bank, i impɔtant fɔ luk ɔda bank dɛn ɛn dɛn lɔn tin dɛn. Dis kin ɛlp yu fɔ si if yu kin gɛt bɛtɛ dil sɔmwe ɛls.
- KYC ɛn Krɛdit Histri: Mɛk shɔ yu gɛt ɔl yu impɔtant pepa dɛn klus (ID, pruf fɔ adres) fɔ di aplikeyshɔn prɔses. If yu gɛt gud krɛdit histri (yu de pe yu bil dɛn ɔlwez pan tɛm), dat kin ɛlp yu fɔ gɛt lɔn mɔ izi.
- Yuz Di Ap Fayn: Di Mi Yone SLCB Mɔbayl Ap gɛt bɔku gud savis dɛn. Lɛn hau fɔ yuz am fayn fɔ akaunt manejmɛnt ɛn fɔ pe bil dɛn. If yu de gɛt prɔblɛm wit di ap, kɔntakt dɛn kɔstɔma savis kwik kwik.
- No Yu Rayt Dɛn: If yu gɛt kɔmplaynt ɔ prɔblɛm, no se yu gɛt di rayt fɔ aks di bank fɔ rɛsɔlv am. Yu kin yuz di ap ɔ yu kin go to dɛn branch dɛn.
Pan ɔl, Salone Komoshal Bank na wan impɔtant bank we dɔn de wok fɔ lɔng tɛm insay Salone. Wit dɛn nyu nyu tɛknɔlɔji ɛn di we dɛn de tray fɔ rich ɔlman, dɛn de gi gud chɔys fɔ dɛn we want mɔni lɔn ɛn ɔda bankin savis dɛn. Bɔt olwez, i impɔtant fɔ bi klɛva ɛn fɔ no ɔl di tin dɛn bifo yu mek ɛni big faynanshal disishɔn.
