Di Kɔmpin Wok En Usay Dɛn Kɔmɔt
Di Kɔmyuniti na wan kɔmpin we de wok bay di nem ConNet SL Limited. Dis kɔmpin na Banka fɔ Salone gi dɛn layisɛns fɔ wok as pɛɛ-to-pɛɛ (P2P) lendin sevis, we min se dɛn de kɔnɛkt pipul dɛn we gɛt moni fɔ lend wit pipul dɛn we nid fɔ boroh. Dɛn bigin fɔ wok insay Mach 2022, ɛn dɛn na di fɔs kɔmpin na Salone we de du dis kayn biznɛs we lɔ de govɔn. Di wan dɛn we ɔn ConNet SL Limited na lokal pipul dɛn we de invɛst insay tɛknɔlɔji ɛn biznɛs.
Di Kɔmyuniti biznɛs modɛl de fɔkus pan fɔ ɛlp individuwal pipul dɛn ɛn smɔl smɔl biznɛs dɛn (maykro-ɛntaprayz dɛn) we de nid moni fɔ shɔt tɛm, ɔ frɔm wan mɔnt to tri mɔnt. Di lon dɛn we dɛn de gi de stat frɔm SLe 3,000 to SLe 15,000. Dɛn de ɛlp dɛn pipul dɛn we bank dɛn nɔ de rili ɛlp, lɛk di wan dɛn we de wok insay di infɔmal sɛkta ɔ dɛn we nɔ gɛt bank akaunt ɔ nɔ de yuz bank dɛn wel. So, Di Kɔmyuniti de fil in di gap we di tradishɔnal bank dɛn de lɛf. Di wan dɛn we de rɔn di kɔmpin na im dɛn: Emily Fanday na di Chif Ɛgzekyutiv Ɔfisa (CEO), Mohamed Kella na di Chif Tɛknɔlɔji Ɔfisa (CTO), Fatmata Conteh na di Hɛd fɔ Risk ɛn Ondaritin, ɛn George Kamara na di Hɛd fɔ Ɔpreshɔns.
Di Lon Dɛn, Intarɛst Dɛn, En Aw I De Wok
Di Kɔmyuniti gɛt difrɛn kayn lon dɛn we dɛn de gi, ɛn ɔl dɛn lon ya gɛt dɛn ɔn speshal tin dɛn. Mek wi luk am gud:
- Emɛjɛnsi Lon: Dis lon na fɔ dɛn we nid moni kwik kwik wan fɔ sɔm sɔm prɔblɛm. Yu kin boroh frɔm SLe 5,000 to SLe 10,000. Di intarɛst na 12% flat fɔ di wan mɔnt we yu go pe bak. Dis min se, fɔ wan ia, i de rili rich bɔt 144%. Yu go pe bak di moni insay wan mɔnt.
- Maykro Individyul Lon: Dis wan na fɔ smɔl pipul dɛn biznɛs. Yu kin boroh frɔm SLe 3,000 to SLe 5,000. Di intarɛst na 10% fɔ ivri mɔnt, we min se fɔ wan ia, i kin rich bɔt 213%. Yu gɛt tri mɔnt fɔ pe bak, ɛn yu go de pe wan wik.
- Smɔl Individyul Lon: Dis wan na tu fɔ pipul dɛn, bɔt yu kin gɛt mɔ moni. Yu kin boroh frɔm SLe 5,000 to SLe 10,000. Di intarɛst na 10% fɔ ivri mɔnt (bɔt 213% fɔ wan ia). Yu gɛt tri mɔnt fɔ pe bak, ɛn yu go de pe wan wik.
- Maykro Ɛntaprayz Lon: Dis lon na fɔ smɔl smɔl biznɛs dɛn we want fɔ gro. Yu kin boroh frɔm SLe 5,000 to SLe 15,000. Di intarɛst na 10% fɔ ivri mɔnt (bɔt 213% fɔ wan ia). Yu gɛt tri mɔnt fɔ pe bak, ɛn yu go de pe wan wik.
- Pechek Advans: If yu de wok ɛn yu gɛt pechek, yu kin gɛt dis advans. Yu kin boroh frɔm SLe 3,000 to SLe 10,000. Di intarɛst na 10% flat fɔ di wan mɔnt (bɔt 120% fɔ wan ia). Yu go pe bak di moni insay wan mɔnt.
Fɔ ɔl dɛn lon ya, yu go pe wan fɔs fi we dɛn kɔl ɔrijinɛshɔn fi we na 5% fɔ di wan amɔnt we yu boroh. Dis fi nɔ de kɔm bak if yu kɛnsul di lon. If yu pe lеt, yu go pe wan fayn we na 0.5% fɔ di moni we yu stil ɔn ivri de. Fɔ gɛt dɛn lon ya, yu go nid tu pipul dɛn we go stan fɔ yu (garantɔ dɛn), yu valid Ay Di, ɛn pruf fɔ di moni we yu de gɛt.
Aw Fɔ Aplay En Di Teknoloji Dɛn
Di we fɔ aplay fɔ lon na Di Kɔmyuniti rili izi. Yu gɛt difrɛn chans fɔ aplay:
- Yu kin aplay layn pan dɛn wɛbsayt.
- Dɛn gɛt wan fon ap (fɔ Ay O Ɛs ɛn Android), bɔt dɛn de stl tray am, ɛn dɛn gɔn rilis am fɔ ɔlman yuz insay di tɛm we dɛn kɔl Q3 2025.
- Yu kin go dɛn ɔfis na 10 Sa Samyuel Luis Rod, Frtɔn, fɔ aplay fes to fes.
Fɔ mek dɛn no yu gud gud wan (KYC), yu go nid fɔ gi dɛn yu Nashɔnal Ay Di ɔ paspɔt, yu risɛnt pe slip ɔ bank statmɛnt, pruf fɔ usay yu de, ɛn infɔmeshɔn bɔt di tu garantɔ dɛn. Yu go pe wan smɔl rejistreshɔn fi we nɔ de kɔm bak. Dɛn de yuz wan spɛshal kɔmpyuta prɔgram fɔ luk yu infɔmeshɔn, lɛk di moni we yu de gɛt, aw yu de yuz yu fon moni, ɛn aw di garantɔ dɛn de stan fɔ yu. If dɛn si se i de riziki, dɛn go luk am bɛtɛ bɛtɛ wan.
Wans dɛn apruv yu lon, yu go gɛt di moni insay 3 to 15 de. Yu kin gɛt di moni bay bank transfɛ ɔ fon moni (lɛk QMoney ɔ Orange Money). If yu want kash, yu kin tek am na dɛn ejɛnt ɔfis dɛn. Fɔ pe bak di lon, Di Kɔmyuniti de sɛn mɛsej dɛn bay SMS ɛn fon ap fɔ rɛmaynd yu. Dɛn kin ivin tek di moni strɛt frɔm yu akaunt. If pɔsin nɔ pe insay 30 dez, dɛn go tray fɔ kɔl yu fɔ mek yu pe, ɛn if yu stil nɔ pe, dɛn go kin tek yu go kɔt.
Di fon ap we dɛn gɔn rilis gɛt sɔm gud gud tin dɛn, lɛk fɔ mek yu no if yu kwalifay fɔ lon kwik kwik wan, fɔ sayn pepa dɛn bay fon, fɔ plan aw yu go pe bak, ɛn fɔ gɛt ɛlp insay di ap. Dɛn wɛbsayt tu gɛt ɔl dɛn infɔmeshɔn dɛn, lɛk wan lon kalkylatɔ, kɔmɔn kwɛstyɔn dɛn, ɛn layv chat fɔ ɛlp yu. Dɛn aktiv pan Fesbuk, Twita, ɛn Linkɛdin. Di Kɔmyuniti de wok ɔl ɔba Salone bay di fon, ɛn dɛn gɛt ɔfis na Frtɔn wit ejɛnt dɛn ɔl ɔba di 16 distrik dɛn. As fɔ Sɛptɛmba 2025, dɛn gɛt 80 pipul dɛn we de gi lon, ɛn 120 pipul dɛn we de boroh, we 43% de frɔm rura distrik dɛn ɛn 55% na uman dɛn.
Lɔ Dɛn, Makit Say, En Klant Sevis
Di Kɔmyuniti na wan kɔmpin we Banka fɔ Salone gi layisɛns ful ful wan. Dɛn de wok akɔdin to ɔl di lɔ dɛn we de govɔn P2P lendin. Banka fɔ Salone de kɔntinyu fɔ luk afta dɛn ɛn dɛn de sɛn ripɔt dɛn ivri tri mɔnt. So far, Banka fɔ Salone nɔ put ɛni fayn ɔ panalti pan dɛn yet. Fɔ protɛkt dɛn klant dɛn, Di Kɔmyuniti de mek shɔ se ɔl dɛn fi dɛn klir ɛn klia, dɛn gɛt plan fɔ ɛlp pipul dɛn we de gɛt prɔblɛm fɔ pe bak, ɛn dɛn de kip pipul dɛn infɔmeshɔn sief.
Di Kɔmyuniti na di fɔs kɔmpin we bigin di P2P lendin biznɛs na Salone, so dɛn na di wan dɛn we de lida dis pat fɔ di makit. Dɛn ɔda big kɔmpin dɛn we de gi smɔl smɔl lon na Salone na BRAC SL ɛn Munafa, bɔt dɛn de yuz di ol we. Di Kɔmyuniti difrɛnt frɔm dɛn bika dɛn de gi lon kwik kwik wan, yu kin aplay ɔl digita we, ɛn di wan dɛn we de gi lon kin gɛt gud riten pan dɛn invɛstmɛnt. Sins dɛn bigin, dɛn dɔn gi ɔvɛ SLe 1,600,000 (bɔt US Dɔla 96,000) lon. Dɛn plan na fɔ gɛt 500 pipul dɛn we de boroh ɛn fɔ gi SLe 10 milyɔn lon fɔ wan ia bay di ɛnd fɔ 2026. Dɛn de wok wit Union Trust Bank, QCell, ɛn dɛn de gɛt sapɔt frɔm UNCDF fɔ dɛn fintech prɔgram.
Pipul dɛn we dɔn yuz Di Kɔmyuniti se dɛn de gɛt gud sevis. Di fon ap beta vɛshɔn gɛt averij 4.2 stars, ɛn dɛn wɛbsayt gɛt 4.5 stars pan TrustPaylɔt. Sɔm pipul dɛn de kɔmplain se di fɔs fi (ɔrijinɛshɔn fi) de hay, ɛn di tɛm fɔ pe bak di lon shɔt, we nɔ de match wit sɔm biznɛs saykɛl dɛn. Bɔt, dɛn Klant Sevis gud. Yu kin chat wit dɛn insay di ap, kɔl dɛn pan Whatsap ɔ dɛn kɔl sɛnta. Dɛn de rɛspɔn kwik kwik wan. Sɔm gud stori dɛn de: wan tɛla na Bo bin yuz Maykro Ɛntaprayz Lon fɔ bay nyu mɛshin, ɛn in moni we in de gɛt bin go ɔp bay 70% insay tu mɔnt. Wan smɔl grɔsa na Kenɛma bin yuz Emɛjɛnsi Lon fɔ bay gud dɛn fɔ Ramadan, ɛn in sɛlɛf bin go ɔp bay 50%.
Advays Fɔ Dɛn We Want Boroh
If yu de tink fɔ boroh lon frɔm Di Kɔmyuniti, i impɔtant fɔ no sɔm tin dɛn fɔ mek yu disishɔn gud gud wan. Frɔs, mek shɔ yu rili undastand di intarɛst ret dɛn ɛn di fi dɛn. Di fɔs fi na 5% ɛn yu go pe am bifo yu gɛt di moni. Di intarɛst ret dɛn kin hay, pɛpatikyula fɔ dɛn lon dɛn we yu de pe bak wan wik, so yu nid fɔ kalkylat gud gud wan if yu go ebul pe am. Rɛd di tɛm dɛn we dɛn de gi fɔ pe bak di lon klos klos wan. Sɔm lon dɛn na fɔ wan mɔnt, ɔda dɛn na fɔ tri mɔnt wit wikli ripemɛnt. Mek shɔ dis tɛm de match wit yu biznɛs ɔ yu moni we yu de gɛt.
Bifo yu aplay, mek shɔ yu gɛt ɔl di dɔkyumɛnt dɛn we dɛn nid (Ay Di, pe slip, garantɔ dɛn). Dis go mek yu aplikeshan pas kwik kwik wan. Yu fon moni histri ɛn di pipul dɛn we de stan fɔ yu rili impɔtant fɔ di we aw dɛn de skor yu fɔ gɛt lon. If yu nɔ gɛt gud fon moni histri, i kin afɛkt yu chans. Yu nid fɔ mek shɔ se di moni we yu de gɛt kin kɔba di ripemɛnt ivri wik ɔ ivri mɔnt. Nɔ boroh mɔ den wetin yu go ebul pe bak.
Wans yu gɛt di lon, yuz di fon ap ɛn SMS rɛmaynda dɛn fɔ mɔnitɔ yu ripemɛnt dɛn. Pe yu lon dɛn ɔn tɛm fɔ avɔyd di de bay de fayn fɔ pe lеt we na 0.5% ivri de. If yu ɛvɛ gɛt prɔblɛm fɔ pe bak, kɔntakt dɛn Klant Sevis kwik kwik wan. Dɛn gɛt skimu dɛn fɔ ɛlp pipul dɛn we de gɛt prɔblɛm. Rɛmbɔ, boroh moni na big rispɔnsibiliti, so mek shɔ yu rili nid di moni ɛn yu gɛt plan fɔ pe am bak bifo yu aplay to Di Kɔmyuniti.
