Community Bank Marshall

Meļeļe eo ejja kōn Kabaņ eo an Aelōñin M̧ajeļ

Kabaņ eo an Aelōñin M̧ajeļ, eo ej bar jeļo̧k e n̄an ro jet kōn etan 'community bank marshall', ej kabaņ eo elukkuun āeō n̄an ijo ilo Aelōñin M̧ajeļ. Ej kōm̧anm̧an kōn eļap an kōm̧m̧an jerbal ilo aelōñ eo. Jikin jerbal in kabaņ in ej kōm̧m̧an jerbal n̄an aolep armej ro im barāinwōt riwiawian ro, kōn an wōr jikin kōm̧anm̧an ko an ilo Majuro im Ebeye. Ej jipan̄ baam̧le ko, kōm̧anm̧an ko reutiej, im barāinwōt jikin kōm̧anm̧an ko an kien. Kabaņ in ej jipan̄ kōm̧m̧an ļo̧k aelōñ eo kōn an jipan̄ ri-jikin M̧ajeļ.

Kabaņ eo an Aelōñin M̧ajeļ ej kōm̧anm̧an kōn etan Bank of Marshall Islands, Inc., im ej jeje rejista ilo Majuro. Ej waļo̧k ilo iiō 1970 im ej aolepān an ri-M̧ajeļ make kōm̧anm̧an, koba in ri-jerbal ro an kien im ro jet. Jikin jerbal in ej kōm̧anm̧an jerbal kōn wāween ko rejitōnbōro, ej kōm̧anm̧an jerbal n̄an ro rej kōm̧m̧an kōbaaj, kōm̧m̧an lōņ, im barāinwōt n̄an kōm̧anm̧an ko an riwiawian ro. Ro rej juon kōļmen an kabaņ in rej ri-jikin M̧ajeļ, kōm̧anm̧an ko reutiej, im kien eo an aelōñ eo.

Jet iaan ro rej tel jikin jerbal in rej Patrick Chen, eo ej Ri-Tel eo Elukkuun Aet; Sultan Korean, eo ej Ri-Jerbal eo Elukkuun Aet n̄an Kōm̧m̧an Kien (jān 2004); im Anjojo Kabua III, eo ej Ri-Tel eo an Jikin Kōm̧anm̧an Ebeye. Wilbur Heine, eo ej Senator ilo Nitijela an Aelōñin M̧ajeļ, ej Jemaa eo an Bōd eo an Ro Rej Tel.

Jikin Jipan̄ Lōņ ko, Kōjrajeraj ko, im Kōjeraam̧m̧an ko

Kabaņ eo an Aelōñin M̧ajeļ ej kōm̧m̧an elōn̄ wāween jipan̄ lōņ ko n̄an kōļļā ko rekāālōtlōt an ri-jikin M̧ajeļ. Meļeļe kōn jet iaan jikin jipan̄ lōņ ko an:

• Jikin Jipan̄ Lōņ an Pako: Ej kōļļā n̄an wōtōm, jikuuļ, im wāween ko an kōpeļpeļ. Emaron̄ jaake jān 500 n̄an 20,000 būļļa. Kōjrajeraj eo an iiō kajjojo ej jān 8.0% n̄an 18.0%. Wāween kōļļā ko rej jān 1 n̄an 5 iiō.
• Wise Choice Loans: Ej jipan̄ n̄an jino jān 1,000 būļļa, kōļļā eo ej jān 30 n̄an 180 raan.
• Jikin Jipan̄ Lōņ an Jikin Jerbal im Jikin Jerbal an Rōkōj: Ej kōļļā n̄an jikin jerbal in wiawian ko rekaalikkar im rej kōjerbal dānnin. Kōjrajeraj eo an iiō kajjojo ej jān 7.5% n̄an 12.0%. Wāween kōļļā ko rej jān 3 n̄an 7 iiō.
• Jikin Jipan̄ Lōņ an Riwiawian im Jikin Jerbal an Ritōōl: Ej kōļļā n̄an jerbal ko rej kōm̧anm̧an wāween jerbal im jikin jerbal ko. Emaron̄ jaake jān 10,000 n̄an 500,000 būļļa.
• Jikin Jipan̄ Lōņ an Aelōñ: Ej kōļļā n̄an m̧weo im m̧ōn̄ā, kōm̧anm̧an m̧weo, im HELOC (jikin jipan̄ lōņ eo an wāppen eo an m̧weo). Kōjrajeraj eo an ej jān 4.5% n̄an 3.95% ilo jinoin. Wāween kōļļā ko rej jān 15 n̄an 30 iiō n̄an m̧weo, im 25 iiō n̄an HELOC.
• Jikin Jipan̄ Lōņ an Imōn Jikūl ilo Wāween eo an USDA Mutual Self-Help: Ej jipan̄ ri-m̧weo ro make n̄an kōm̧anm̧an imōn jikūl ko aer.

Wāween kōjeraam̧m̧an ko rej aorōk n̄an jeļā kake. Jikin jerbal in ej kōm̧m̧an kōjeraam̧m̧an n̄an jinoin lōņ eo jān 1.0% n̄an 3.0% an jipan̄ eo. Kōjeraam̧m̧an eo an kōm̧akūtkūt ej 50 n̄an 100 būļļa kajjojo lōņ. N̄e ear jañe kōļļā eo, ej wōr kōjeraam̧m̧an eo an 5% an kōļļā eo ak 25 būļļa, eo ekajoorļo̧k. N̄an jikin jipan̄ lōņ an pako, bwidej eo an ej maron̄ bōk lōn̄ n̄an 5,000 būļļa. N̄an jikin jerbal in wiawian ko, jikin jerbal in ej make bwidej. N̄an jikin jipan̄ lōņ an aelōñ, bwidej eo an ej m̧weo im m̧ōn̄ā eo.

Wāween Kōļļā, App eo an Telefon, im Kōm̧anm̧an ko

Wāween kōļļā n̄an jikin jipan̄ lōņ ej lukkuun pen. Kabaņ eo an Aelōñin M̧ajeļ ej kōm̧m̧an wāween ko relukkuun aorōk n̄an kōļļā kōn jikin jipan̄ lōņ ko. Ro rej kōļļā emaron̄ kōjerbal wāween ko rein:

• App eo an Telefon: Ej wōr an app eo an kabaņ in ilo jikin wiawian app ko an iOS (App Store) im Android (Google Play). App in ej wōr an 4.2 taar n̄an iOS im 4.0 taar n̄an Android. Kōn app in, emaron̄ kāālōtlōt jikin ko rej kōļļā, kōm̧m̧an kōļļā, kāālōtlōt jikin lōņ, im kōļļā kōjām̧m̧an ko.
• Ilo Intanet: Ej wōr an kabaņ in jikin jerbal ilo intanet n̄an kōļļā ko an lōņ im n̄an kāālōtlōt jeje ko.
• Jikin Kōm̧anm̧an ko: Ej wōr jikin kōm̧anm̧an ko an kabaņ in ilo Majuro (Uliga, Djarrit) im Ebeye ilo Kwajalein Atoll.
• Jikin Kōm̧anm̧an an Rijejān: Ej wōr an jikin kōm̧anm̧an ko an kabaņ in ilo jet iaan jikin kōm̧anm̧an an credit union ko.

N̄an kōļļā lōņ, ej aorōk n̄an kōļļā aolep jeje ko rekōjām̧m̧an. Enaaj kōjām̧m̧an n̄an bōk ID eo an kien, jeje eo an jikin turin m̧weo, im ID eo an kien n̄an kōļļā takis. N̄an kōm̧anm̧an ko an riwiawian, enaaj kōjām̧m̧an n̄an bōk jeje eo an bōd eo an ri-tel. Kabaņ in ej kōjerbal juon wāween kāālōtlōt eo an make n̄an kāālōtlōt jikin ko rej kōļļā, koba in meļeļe ko jān Micronesia Credit Reporting im jeje eo an kabaņ. Kōļļā ko rej kōm̧anm̧an ilo wāween ko jet, āinwōt kōļļā n̄an kabaņ, kōļļā ilo telefon, ak kōļļā make ilo jikin kōm̧anm̧an. N̄e ear jañe kōļļā ko, kabaņ in enaaj kōm̧m̧an jeje ko n̄an kōjerbal kien n̄an bōk lōņ eo.

Kien ko, Jikin Kwōjarjar, im Rikōjām̧āto ko

Kabaņ eo an Aelōñin M̧ajeļ ej kōm̧anm̧an ilo kien ko an Aelōñin M̧ajeļ. Ej bōk laisen eo an ilo Wāween Kien Kōn Jikin Jipan̄ ko an 2000 im ej Majuro Banking Commission eo ej kāājām̧āto e. Ej juon iaan M̧aan eo an Pacific Islands Association of Development Banks. Ejjeļo̧k jeje kōn kōm̧anm̧an ko an kien kōn kabaņ in n̄an kōļļā ko. Kabaņ in ej kōm̧m̧an wāween ko n̄an kōjām̧m̧an kōjām̧m̧an ko an ri-jerata, koba in kōjām̧m̧an ko kōn kōjrajeraj im kōjeraam̧m̧an ko ilo RMI Consumer Credit Act. Ej wōr an wāween n̄an kōļļā kōn kōjām̧m̧an ko rej waļo̧k.

Ilo jikin kwōjarjar in, Kabaņ eo an Aelōñin M̧ajeļ ej bōk 60% an kōbaaj ko ilo aelōñ eo im ej juon iaan ro rej kōm̧anm̧an jipan̄ lōņ an m̧weo. Ej kōjām̧āto kōn Kabaņ eo an Guam, DOD Community Bank, im credit union ko. Kabaņ eo an Guam ej kōm̧anm̧an jerbal n̄an aelōñ ko jet, bōtaab Kabaņ eo an Aelōñin M̧ajeļ ej kōm̧anm̧an jerbal n̄an ri-jikin M̧ajeļ make. DOD Community Bank ej kōm̧anm̧an jerbal n̄an ri-jerbal ro an taum̧wi, bōtaab Kabaņ eo an Aelōñin M̧ajeļ ej kōm̧anm̧an jerbal n̄an aolep armej ro. Ej kōm̧anm̧an wāween ko an kōm̧anm̧an jerbal kōn wāween ko rejitōnbōro im kōļļā ko relukkuun pen.

Kabaņ in ej kōm̧m̧an an wāween lōņ eo an ettōr 10% kajjojo iiō n̄an 2027. Ej kōļļā n̄an kōm̧anm̧an juon jikin jipan̄ lōņ an riwiawian ilo diditaļ ilo ļōm̧an eo an iiō 2026. Ej kōm̧m̧an jibaar kōn RMI Telecom n̄an kōm̧anm̧an kōļļā ilo telefon, im kōn MIDB n̄an kōm̧anm̧an jipan̄ lōņ an m̧weo.

Meļeļe ko an Rikōjerata im Reimaanļo̧k ko n̄an Ro Rej Kōļļā

Ro rej kōjerbal kabaņ in rej kōm̧m̧an meļeļe ko aer kōn jikin jerbal in. Ilo jikin kāālōtlōt an rikōjerata āinwōt Trustpilot, Kabaņ eo an Aelōñin M̧ajeļ ej wōr an 3.8 taar. App eo an telefon ej bōk meļeļe ko rem̧m̧an kōn an pen kōļļā kōjām̧m̧an ko, bōtaab ej wōr barāinwōt jet kōjām̧m̧an kōn an app eo jañe ilo jet iien. Kōjām̧m̧an ko rej waļo̧k rej kōn an jañe sistem eo ilo jet iien im kōn an elōn̄ jeje ko n̄an jikin jipan̄ lōņ an m̧weo.

Kabaņ eo an Aelōñin M̧ajeļ ej wōr an jikin tel eo an telefon ilo aolep raan 24 awa kajjojo raan, kōn ri-jerbal ro rej jeļā elōn̄ kōn kajin ko (Marshallese im English). Kōjām̧m̧an ko rej bōk iien eo an 48 awa n̄an kōļļā. Ej wōr jet kōm̧anm̧an ko rem̧m̧an, āinwōt an jikin jipan̄ lōņ an riwiawian eo jipan̄ juon ri-jerbal an garment n̄an kōm̧anm̧an wiawian n̄an Guam ilo 2024. Ej barāinwōt jipan̄ kōm̧anm̧an elōn̄ļo̧k jān 100 m̧weo jān jikin jipan̄ lōņ an USDA Self-Help jān 2013.

N̄an ro rej kōļļā n̄an bōk juon jipan̄ lōņ, ej aorōk n̄an jeļā kōm̧m̧an ko rein:

• Kōjerbal App eo: Kōjerbal app eo an telefon n̄an kāālōtlōt meļeļe ko, kōm̧m̧an kōļļā, im kāālōtlōt jeje ko.
• Kōjerbal Meļeļe ko Rekāālōtlōt: Kōjerbal meļeļe ko rekāālōtlōt kōn wāween jipan̄ lōn̄ ko, kōjrajeraj ko, im kōjeraam̧m̧an ko n̄an kōļļā eo an jipan̄ lōņ eo an.
• Kōjerbal Kien ko: Kōjerbal kien ko an Aelōñin M̧ajeļ kōn jikin jipan̄ lōņ ko n̄an jeļā kōm̧m̧an ko rekāālōtlōt.
• Kōjerbal Meļeļe eo an Rikāālōtlōt eo: Katak kōn wāween ko an rikāālōtlōt eo an kabaņ in im kāālōtlōt wāween eo em̧m̧anļo̧k n̄an kōļļā eo an jipan̄ lōņ eo an.

Ilo 2024, Kabaņ eo an Aelōñin M̧ajeļ ear bōk 12.5 miļļion būļļa jān kōļļā ko im 1.8 miļļion būļļa jān jipan̄ ko. Total eo an jipan̄ lōņ ko an ej 75 miļļion būļļa ilo 2025. Ejjeļo̧k jipan̄ lōņ ko rej jañe ilo wāween eo an 3.2%.