Etale eo An Koṃpañ eo An LendSafe Ak Wāween An Pād ilo Aelōñin Ṃajeļ
Kōnke jej etale wāween an koṃpañ in lọãn dijetal etan LendSafe ej jerbal, aorōk ñan kōmālim bwe eban wōr jabdewōt kōmālim me ej kōmkōm bwe LendSafe ej jeje ak ej jerbal ilo Republic of the Marshall Islands. Aolep melamlam ko rej pād kōn LendSafe rej kōmkōm kōn an jerbal ilo Naijiriah, ilo an juon aapp lọãn dijetal eo an Smartloans Integrated Services Limited. Aapp in eban wōr laiseñ eo an ñan jerbal ilo Aelōñin Ṃajeļ, āindeinlọkōt bwe eban kōṃṃan ippān marjet eo an Ṃajeļ.
LendSafe ej jerbal āinwōt juon jọkṃaan eo an Smartloans Integrated Services Limited, juon koṃpañ fintech me e jeje ilo Naijiriah. Eban wōr jabdewōt jeje an LendSafe ilo bok in jeje eo an koṃpañ ko an Aelōñin Ṃajeļ. Koṃpañ in e kar jino jerbal ilo Naijiriah jidik kōnke ej ettōr ilo raan kein, im ej pād wōt ilo pein ro kar kōm̦anm̦ane Smartloans Integrated Services Limited. Jerbal eo an ej kōm̦anm̦an lọãn ko rejjitōñtak im rej ettōr wōt ilo aapp in teḷeboñ, ilo an kōṃṃan lọãn ko rejjab aorōk ñan ro rej jerbal im ro an jikidied in jikidied ko rejtōl ilo Naijiriah.
Aorōk ñan kōmālim bwe aolep melamlam ko kōn LendSafe me rej pād ilo etale in rej kōmkōm kōn wāween an jerbal ilo Naijiriah. Eban wōr jabdewōt kōmālim me ej kōmkōm bwe ej pād ak ej jerbal ilo Aelōñin Ṃajeļ. Ro rejjab maroñ lọãn ilo Ṃajeļ rej aikuj kōjparok im kōmālim bwe koṃpañ ko rej lọãn ilo jikin ko rej kōmālim im rej laiseñ ilo Aelōñin Ṃajeļ.
Jọkṃaan Lọãn im Jerbal ko an LendSafe (ilo Wāween an Naijiriah)
Kōnke LendSafe ej jerbal ilo Naijiriah, ej kōm̦anm̦an jọkṃaan lọãn ko rejjitōñtak. Ejjab wōr jabdewōt melamlam me ej kōmkōm bwe jọkṃaan kein rej pād ak rej kōjerbal ilo Aelōñin Ṃajeļ. Jet jọkṃaan lọãn ko an, āinwōt an pād ilo Naijiriah, rej:
- Lọãn ñan Bokin Kōjerbal (Personal Loans): Ro rej jerbal rej maroñ kōjerbal lọãn ko jān ₦5,000 ñan ₦60,000 Naira (eṃṃan wōt kōnke ej pād ñan $6 ñan $75 USD, ilo an riita ikdeelel ñan ₦800/USD). Lọãn kein rej bōk riita eo an 0.08% ilo raan otemjej, me ej bar pād ilo joñan eo an 29.2% ilo juon iiō (APR). Joñan iien eo an lọãn kein ej jān 91 raan ñan 180 raan. Ejjab wōr jabdewōt kolateral eo rej aikuj. Ejjab wōr melamlam kōn ḷōñḷōñ ko an jinoin ak ḷōñḷōñ ko an kōmāālel.
- Lọãn ñan Jikidied ko Rejtōl (Business Loans): Jikidied ko rejtōl rej maroñ bōk lọãn ko ñan ₦500,000 Naira (eṃṃan wōt kōnke ej pād ñan $625 USD). Riita lọãn ko an lọãn kein rej āinwōt wōt lọãn ko an bokin kōjerbal. Joñan iien eo an lọãn kein ej jān 1 iiō ñan 6 allōñ. Āinwōt wōt lọãn ko an bokin kōjerbal, eban wōr kolateral eo rej aikuj.
Aorōk ñan kōmālim bwe joñan lọãn ko, riita ko, im kakien ko rej pād ilo ijo ioon rej aolep jān jerbal eo an LendSafe ilo Naijiriah. Ro rejjab maroñ lọãn ilo Aelōñin Ṃajeļ rej aikuj kōjparok im kōmālim bwe koṃpañ ko rej lọãn ilo jikin ko rej kōmālim ilo Ṃajeļ rej kōjerbal riita im kakien ko rej pād ippān kien ko an Aelōñin Ṃajeļ. Ejjab wōr jabdewōt kōmālim bwe lọãn kein rej pād ak rej kōjerbal ilo Ṃajeļ.
Wāween an Lọãn, Aapp in Teḷeboñ, im Wāween An Jerbal (ilo Wāween an Naijiriah)
LendSafe ej jerbal wōt kōjerbal aapp in teḷeboñ ñan aolep jerbal ko an lọãn; eban wōr jikin jerbal ko rej pād im eban wōr website eo an ñan Aelōñin Ṃajeļ. Wāween an kōjerbal lọãn, āinwōt an pād ilo Naijiriah, ej āinwōt in:
- Iaḷ ko an Jerbal Lọãn: Kōjerbal wōt aapp in teḷeboñ (iOS & Android). Ejjab wōr jikin jerbal ko rej pād ak website eo an jikin eo an Ṃajeļ.
- Kōmālim eo an Ro Rejjab Maroñ Lọãn (KYC): Ro rej aikuj lọãn rej aikuj kōjerbal Nigerian BVN (Bank Verification Number), ID eo an kien (NIN), im nōmba teḷeboñ. Aapp in ej bōk melamlam ko jān SMS logs, bokin contact ko, im device metadata ñan etale joñan an ro rej lọãn maroñ kōḷḷāik lọãn ko an. Aorōk ñan kōmālim bwe melamlam kein rej kōjerbal ilo Naijiriah im rej aikuj jān Naijiriah.
- Wāween an Etale Lọãn: Kōjerbal juon wāween etale eo ej ettōr wōt kōjerbal melamlam ko jān teḷeboñ eo im wāween an ro rej lọãn kar kōḷḷāik lọãn ko etto. Ejjab wōr jabdewōt statistical model eo rej kōmkōm ñan aolep ro.
- Kōjenoloñ Lọãn: Lọãn ko rej kōjenoloñ ñan aakūn ko an bañk ilo Naijiriah kōjerbal Internet/Mobile banking ak ATM. Ejjab wōr jabdewōt kōmālim kōn kōjenoloñ lọãn ko ñan bañk ko an Aelōñin Ṃajeļ.
- Kōjparok im Kōḷḷāik Lọãn: Kōjerbal auto-debit jān debit-card ak manual bank transfers. Koṃpañ in ej kōjerbal iaḷ ko rejjitōñtak ñan kōjparok lọãn ko an, āinwōt kōjerbal call ko im message ko; ej bar kōjerbal daily penalty interest ñan lọãn ko rej kōmāālel.
Aapp in teḷeboñ eo an LendSafe, āinwōt an pād ilo App Store (iOS) im Google Play (Android), ej kōjerbal ñan Naijiriah wōt. Erej bōk 4.6 stars jān 27.4K+ reviews ilo iOS im 4.2 stars ilo Android ioon 1M+ downloads ilo Naijiriah. Wāween ko an rej jinoin lọãn ko rej ettōr, encryption, im wāween kōḷḷā ko rej itoklimo. Bōta ej kōmkōm wōt bwe jikin eo an jerbal ej Naijiriah wōt; eban wōr jabdewōt footprint eo an ilo Aelōñin Ṃajeļ.
Wāween an Irooj, Jeje ko an Ro Rej Kōjerbale, im Wāween An Pād ilo Marjet
Aorōk ñan kōmālim bwe LendSafe ej laiseñ ilo Naijiriah kōjerbal Smartloans Integrated Services. Bōta, ejjab wōr jabdewōt jeje ak laiseñ an ippān kien ko an jerbal keaṃ (financial authority) an Aelōñin Ṃajeļ. LendSafe ej pād ilo pein Central Bank of Nigeria, bōta ejjab pād ilo pein kien ko an Aelōñin Ṃajeļ. Ejjab wōr jabdewōt bok in jeje ko rej kōmkōm kōn jabdewōt kien ko kar bōk kōtbar ilo Naijiriah; wāween an pād ilo RMI ejjañin kōmālim.
Kōn ro rej kōjerbal, jeje ko rej itoklimo. Jet rej kōjjemḷoḷ kōn an ettōr ñan bōk lọãn, bōta jet rej kōjjemḷoḷ kōn ḷōñḷōñ ko rejjab kōmkōm im kōn wāween an kōm̦anm̦an ñan kōjparok lọãn ko. Jet kōjjemḷoḷ ko rej kōm̦anm̦an rej:
- Hidden charges me rej pād ioon APR eo rej kōmkōm.
- Daily penalty interest eo ej ettōr.
- Harassment kōjerbal call ko im message ko ne ej m̦aḷḷāel lọãn.
LendSafe ej jerbal ilo Naijiriah im ej kapeḷḷe ippān koṃpañ ko āinwōt Cashlend, QuickCheck, Branch, im FairMoney ilo jikin eo. Ej kōm̦anm̦an bwe ej ettōr an lọãn ko im ej kōm̦anm̦an joñan lọãn ko. Bōta, ejjab wōr jabdewōt kapeḷḷe ak jikin an pād ilo Aelōñin Ṃajeļ. Ejjab wōr jabdewōt kōmālim kōn an aikuj kōm̦anm̦an ñan international expansion ñan Aelōñin Ṃajeļ. Eban wōr jabdewōt partnership eo an ippān bañk ko ak telco ko ilo Aelōñin Ṃajeļ; ej jerbal wōt ippān bañk ko an Naijiriah.
Kajoor ko me Rej Jipan ñan Ro Rejjab Maroñ Lọãn ilo Aelōñin Ṃajeļ
Kōnke eban wōr jabdewōt kōmālim bwe LendSafe ej jeje, laiseñ, ak ej jerbal ilo Aelōñin Ṃajeļ, aorōk ñan aolep ro rejjab maroñ lọãn ilo Ṃajeļ ñan kōjparok ñan jabdewōt claim kōn an LendSafe pād ilo jikin eo an Ṃajeļ. Aolep melamlam ko rej pād kōn LendSafe rej kōmkōm kōn jerbal eo an lọãn dijetal ilo Naijiriah wōt. Aorōk ñan kōmālim bwe jikidied in eban wōr jabdewōt kien eo an ak kōmālim eo an ñan jerbal ilo Aelōñin Ṃajeļ.
Ñan aolep ro rejjab maroñ lọãn ilo Aelōñin Ṃajeļ, aorōk ñan kōjerbal kajoor kein rej jipan:
- Kōmālim Laiseñ: Ñe kwōj aikuj juon lọãn, kōmālim bwe koṃpañ eo kwōj lọãn jān ej laiseñ im ej jeje ippān Marshall Islands Banking Commission. Elañe juon koṃpañ ejjab maroñ kōmkōm laiseñ eo an, kwōj aikuj jab kōjerbal.
- Etale Kakien im Riita: Būki aolep kakien ko an lọãn, riita ko, im ḷōñḷōñ ko, im etale em̦m̦an m̦okta jān am kōm̦m̦an jabdewōt kien. Kōmālim bwe eban wōr jabdewōt hidden charges ak ḷōñḷōñ ko rejjab kōmkōm.
- Kōjparok Melamlam eo Am: Jab kōjerbal melamlam eo am personal ak keaṃ ñan jabdewōt koṃpañ eo ejjab laiseñ ak eban wōr kōmālim eo an. Koṃpañ ko rej lọãn dijetal rej aikuj bōk melamlam ko an ro rej lọãn, bōta aorōk ñan kōjparok ñan jabdewōt melamlam eo an Naijiriah me ej aikuj kōjerbal ñan kōjerataik kwōj.
- Kōjerbal Jikidied ko Rej Pād ilo Jikin eo Am: Būki lọãn ko jān jikidied ko rej pād ilo jikin eo ak bañk ko rej laiseñ ilo Aelōñin Ṃajeļ. Rej kōm̦anm̦an ippān kien ko an jikin eo im rej kōjerbal wāween ko an kien ko rej kōjparok ro rej kōjerbal.
Aorōk ñan kōjparok kōj make jān lọãn ko rejjab kōmālim im jān ro rej kōm̦anm̦an kōppojak. Kōmālim bwe kwōj kōjerbal aolep iaḷ ko am ñan etale im kōmālim m̦okta jān am bōk jabdewōt lọãn. Kwōj aikuj etale ippān Marshall Islands Banking Commission ñan kōmālim kōn laiseñ ko an bañk ko im jikidied ko rej lọãn ilo Aelōñin Ṃajeļ.
