MIDB

Katak Jejjo im Kalimuur eo an MIDB

Jikin Mājdep Loōṇ eo an Aelon̄in Mājeļ (MIDB) ej baañ eo an kabinōt eo an Republic of the Marshall Islands. Ej pād ium̧win kien eo an Aelon̄in Mājeļ ñan Jikin Mājdep Loōṇ eo an Aelon̄in Mājeļ ilo rainin 1988, kien eo an Kabinōt Public Law 1988-1. Ej juon baañ eo ejjab leļooj peba in kōppojak im ej juon jikin eo an kabinōt eo eļap an jerbal ñan kōkajoorļooj kajoor in eļļā im kōkajoorļooj mour in armej ilo aelon̄ kein. Jerbal in an MIDB ej ñan leļooj jikjikin jipeeja loōṇ ko ñan armej, jikin jokwe, jikin jekaro, im jikin jekaro kōrām eitok wōt.

Baan̄ in ej ium̧win kien eo an juon boord eo e pād jikuļ im rej kapakak rej jikuļ eo an Kabinōt. Kabinōt eo an RMI ej make make an baañ in, im jikjikin jipeeja ko an rej itok jān kabinōt eo an RMI, U.S. Department of Agriculture (USDA), im jikjikin jipeeja ko jān Compact of Free Association. Kien in an baañ in ej juon baañ eo an kabinōt eo ejjab bōk menin jeraam̧m̧an eļap, bōtaab ej lale meļeļe in an kōkajoorļooj mour in armej. Jej make make an rej itok jikjikin jipeeja ko jān aniiñiiñ ko an loōṇ im jān men ko jet me rej jab loōṇ, eļapļooj jān kōrāāṇt ko. Kōjparok eo an MIDB ej ñan armej ro ilo Aelon̄in Mājeļ im ro rej pād ie, ippān wāween ko me rej make make ñan baañ ko an armej, baañ ko ñan jikin jokwe, baañ ko ñan jikin jekaro kōrām eitok wōt, im baañ ko ñan kajoor in alijkin.

Ilo Kūbōļ 2025, Mr. Lanny Labua e pād ijo eļap ium̧win boord eo an Midb. Ri-jerbal eļap eo an baañ in ej Mr. Dwight Heine, eo ej jerbal ālkin ri-jerbal ro jet ilo Credit, Finance, im Operations.

Loōṇ ko an MIDB, Aniiñiiñ, Wōṇāān im Kien ko

MIDB ej leļooj elōn̄ meļeļe in loōṇ ko me rej make make ñan kōttōōrļooj aelōn̄in Mājeļ. Kajjitōk ko rej aikuj jān armej ro rej pād im ri-jerbal ro rej bōk jikin mour. Kōttōōrļooj ko rej make make ium̧win kajjitōk ko rej itok jān MIDB:

• Loōṇ ñan Armej (Consumer Loans): Loōṇ kein rej jab aikuj koļeeteral eļap im rej ñan men ko rej aikuj ñan mour in baañ. Aniiñiiñ ko rej pād jān 10% ñan 15% ilo juon iiō. Kien ko rej pād jān 12 ñan 36 allōñ. Loōṇ ko eitok wōt rej pād jān $2,000 ñan $25,000 USD, bōtaab e pād wōt loōṇ ko rej kōrām $500. Men eo ej aikuj ñan loōṇ in ej juon ri-keed im e pād juon wāween an baañ bōk jikin an ri-jerbal bōk jikin an baañ ko bōk jikin an ri-jerbal bōk jikin an baañ ko.
• Loōṇ ñan Jikin Jokwe (Housing Loans): Loōṇ kein rej ñan ro rej make make make jikin jokwe. E pād juon wāween an USDA 502 “Mutual Self-Help” wāween ko rej leļooj jikjikin jipeeja ko ñan ro rej bōk jikin mour in baañ ko rej aikuj jikjikin jipeeja ko ñan ro rej bōk jikin mour in baañ ko. Aniiñiiñ ko rej pād jān 3% ñan 4% ilo juon iiō. Kien ko rej pād ñan 20 iiō. Koļeeteral eo ej juon mōdādj ium̧win laan̄.
• Loōṇ ñan Jikin Jekaro (Commercial Loans): Loōṇ kein rej ñan jikin jekaro ko me rej aikuj jikjikin jipeeja ñan jerbal ko rej kōttōōrļooj im ñan men ko rej aikuj ñan jerbal ko. Aniiñiiñ ko rej pād jān 6.5% ñan 12% ilo juon iiō. Kien ko rej pād jān 24 ñan 60 allōñ. Koļeeteral eo ej men ko rej pād ilo jikin jekaro, men ko rej make make make im men ko rej aikuj ñan jerbal ko.
• Loōṇ ñan Jikin Jekaro Kōrām Eitok Wōt (SME Loans): Loōṇ kein rej make make ñan jikin jekaro kōrām eitok wōt (loōṇ ko rej jab eļapļooj jān $0.9 Million USD). Aniiñiiñ im kien ko rej make make ippān loōṇ ko an jikin jekaro.
• Loōṇ ñan Kajoor in Alijkin (Renewable Energy Loans): Loōṇ kein rej make make ñan kajoor in alijkin ilo baañ ko im ñan pākaj Solar. E pād juon loōṇ eļap ñan $4 Million USD. Aniiñiiñ ko rej pād 2% ilo juon iiō. Kien ko rej pād jān 4 iiō ñan 10 iiō. Koļeeteral eo ej juon mōdādj ium̧win laan̄.

Wōṇāān ko rej aikuj bōk jikin ilo loōṇ ko an MIDB:

• Wōṇāān Kōttōōrļooj (Origination/Processing Fee): 1% ñan 2% jān wōṇāān loōṇ eo.
• Wōṇāān Eļļā Kien (Late Payment Fee): 2% ñan 5% jān wōṇāān eo ej jab bōk jikin ilo kien eo.
• Wōṇāān Kōttōōrļooj M̧okta jān Kien (Prepayment Penalty): Ejjab pād wōṇāān in ñan loōṇ ko an armej me rej bōk jikin kien eo.

Wāween Kajjitōk Loōṇ, Āpōl eo an Mobile im Jerbal ko an MIDB

Kajjitōk loōṇ jān MIDB ej maroñ bōk jikin ilo elōn̄ wāween ko me rej kōttōōrļooj im rej make make ñan ri-pād ippān aelon̄ in. Ri-kajjitōk loōṇ ko rej maroñ kajjitōk loōṇ ilo jikin ko rej make make:

• Wēbbaait (Website): E pād piiļ ko an kajjitōk loōṇ ilo wēbbaait eo an MIDB.
• Āpōl eo an Mobile (Mobile App): E pād juon āpōl eo an MIDB ñan Android im iOS, eo ej leļooj kajjitōk ko rej kōttōōrļooj im rej make make make ñan baañ ko. Āpōl in ej leļooj meļeļe in an baañ ko, meļeļe in wōṇāān ko, meļeļe in an baañ ko, im wāween ko rej make make ñan bōk jikin an baañ ko. E pād juon reit in 4.0 ★ ilo Android.
• Jikin eo an MIDB (Physical Branch): Jikin eo an MIDB e pād ilo Majuro. E pād wōt ri-jerbal ro rej itok im iien ium̧win aelon̄ ko jet.

Men ko rej aikuj ñan kajjitōk loōṇ:

• Meļeļe in Baañ (Identity): Paajpōōt ak ID eo an aelon̄.
• Meļeļe in Wōṇāān (Proof of Income): Peepā in wōṇāān ak meļeļe in an baañ.
• Meļeļe in Jikin Jokwe (Address Verification): Bill ko an ilo utility.
• Ñan Loōṇ ko an Jikin Jokwe (Self-Help Housing): E pād jikin ko rej make make ñan ri-jerbal ro rej make make make jikin jokwe.

Wāween an MIDB bōk jikin kajjitōk loōṇ:

• Kōm̧akūt Krediit im Kōjparok (Credit Scoring & Underwriting): E pād juon wāween an MIDB lale meļeļe in an kōm̧akūt krediit, meļeļe in wōṇāān, im koļeeteral eo. E pād wāween ko rej make make make ñan loōṇ ko rej eļapļooj jān $25,000 USD.
• Wāween an MIDB leļooj Loōṇ (Disbursement Methods): Ej leļooj loōṇ ko ilo baañ transfer ilo BOMI, wōṇāān ilo jikin eo an baañ, ak ilo mobile money.
• Kōjparok Loōṇ (Collections & Recovery): E pād message ko an SMS ñan ro rej jab bōk jikin kien ko. E pād wōt kōttōōrļooj ko ñan ro rej jab bōk jikin kien ko rej eļapļooj jān 30 raan. E pād wōt kien ko ñan ro rej jab bōk jikin kien ko rej eļapļooj jān 90 raan.

MIDB e pād ilo Majuro, im e pād wōt ri-jerbal ro rej itok im iien ium̧win Ebeye im aelon̄ ko jet. E pād ijo eļap an MIDB kajoor ilo loōṇ ko an armej, ippān wōt 3,500 ri-kajjitōk loōṇ ko ilo 2021. Ej make make ñan armej ro rej pād jān 25 ñan 45 iiō, im 55% jān rej kōrā.

Katok Katok, An Etaliļo im Karwāwā in Ri-kajjitōk ippān MIDB

MIDB ej juon baañ eo an kabinōt eo ej pād ium̧win kien eo an aelon̄. Ej ium̧win katok katok eo an Office of the Auditor-General. Jān 2017, e pād wāween an baañ in pād ium̧win Banking Commission. Jerbal in an MIDB ej ñan kōjparok ri-kajjitōk loōṇ ko, ippān wāween ko rej make make ñan kōjparok ro rej bōk jikin mour in baañ ko.

An etaliļo an MIDB ilo baañ ko jet:

• An Etaliļo ilo Baañ ko jet (Market Share): MIDB ej pād wōt 5% jān wōṇāān eo an baañ ko an baañ ko an baañ ko. BOMI ej pād wōt 60% jān wōṇāān eo an baañ ko an baañ ko an baañ ko, im Bank of Guam im jikin ko rej leļooj wōṇāān ko jet rej make make.
• Men ko rej Make Make an MIDB (Differentiation): MIDB ej make make an aniiñiiñ ko an loōṇ ko, im ej make make make ñan kōkajoorļooj mour in armej. E pād juon wāween an USDA kōjparok baañ ko an jikin jokwe.
• Wāween an MIDB Kajoorļooj (Growth Trajectory): Wōṇāān ko an MIDB rej pād jān $45.6 Million USD ilo 2020 ñan $48.1 Million USD ilo 2021.
• Kōttōōrļooj ko an MIDB (Expansion Plans): MIDB ej kōttōōrļooj wāween ko an digital, im ej kōttōōrļooj micro-branches ilo aelon̄ ko jet.
• Kōm̧m̧an Kōbaat (Partnerships): MIDB ej kōm̧m̧an kōbaat ippān USDA Rural Development, ICDF, im ADFIAP.

Karwāwā in ri-kajjitōk ippān MIDB:

• Naan in An Armej (Customer Reviews): Naan in an armej rej make make ñan kōttōōrļooj wāween an MIDB jerbal. Āpōl eo an mobile e pād juon reit in 3.8 ★. E pād wōt men ko rej make make ñan paperwork ko, im kōttōōrļooj ko rej make make ñan aelon̄ ko jet.
• Wāween an MIDB Jerbal (Service Quality): Ej make make ñan 2 raan ñan bōk jikin an kajjitōk, im 5 raan ñan bōk jikin an loōṇ.
• Men ko rej Kōkajoorļooj (Success Stories): E pād wōt 100 jikin jokwe ko rej make make make, im $4.8 Million USD ilo loōṇ ko an USDA ñan ro rej bōk jikin mour in baañ ko.

Naan in Keaake Eļeļļok ñan Ri-kajjitōk Loōṇ ko

Ñe kwōj kajjitōk loōṇ jān MIDB, e pād wōt men ko kwōj aikuj kile im kōm̧m̧an ñan kōkajoorļooj wāween an kajjitōk eo an kōttōōrļooj:

1. Kōppojak Kwōj Make Make: Kwōj aikuj kōppojak paajpōōt ak ID eo an aelon̄, peepā in wōṇāān ak meļeļe in an baañ, im bill ko an ilo utility. Men kein rej kōkajoorļooj wāween an MIDB lale kajjitōk eo an kōttōōrļooj.

2. Kile Kien im Wōṇāān Loōṇ ko: Kwōj aikuj kile aniiñiiñ ko, wōṇāān ko, im kien ko an loōṇ eo. Kwōj aikuj kile ñe kwōj jab bōk jikin kien ko, e pād wōt wōṇāān ko rej aikuj bōk jikin. MIDB ej leļooj wōṇāān ko rej make make make ñan kōjparok ri-kajjitōk loōṇ ko, im kwōj aikuj kile men kein.

3. Loōṇ ko ñan Kōjparok (Responsible Borrowing): Kwōj aikuj kile ñe kwōj jab aikuj bōk loōṇ ko rej eļapļooj jān wōṇāān eo an kōttōōrļooj. Kwōj aikuj kōjparok loōṇ ko an kōttōōrļooj ñan kōttōōrļooj wōṇāān eo an kōttōōrļooj.

4. Bōk Jikin Baañ ko Jet: Ñe kwōj lale MIDB, kwōj aikuj kile ñe MIDB ej make make an aniiñiiñ ko an loōṇ ko, im ej make make make ñan kōkajoorļooj mour in armej. Loōṇ ko an jikin jokwe im kajoor in alijkin rej make make an aniiñiiñ ko an loōṇ ko.

5. Kile Wāween an Baañ ko Kōjparok (Cultural Context): Ilo Aelon̄in Mājeļ, e pād juon wāween an baañ ko kōjparok loōṇ ko an kōttōōrļooj. Ri-keed ro rej make make ñan loōṇ ko an armej, im e pād juon wāween an baañ ko kōjparok loōṇ ko an kōttōōrļooj. Kwōj aikuj kōjparok loōṇ ko an kōttōōrļooj ñan kōttōōrļooj wōṇāān eo an kōttōōrļooj, im ñan kōjparok kōjparok ko an baañ ko.

MIDB ej juon jikin mājdep loōṇ eo eļap an jerbal ñan kōkajoorļooj kajoor in eļļā im kōkajoorļooj mour in armej ilo Aelon̄in Mājeļ. Ippān loōṇ ko an kōttōōrļooj im wāween ko rej make make make ñan armej, ej leļooj juon wāween an armej bōk jikin an kōkajoorļooj mour ko an. Kwōj aikuj kile MIDB im kōjparok loōṇ ko an kōttōōrļooj ñan kōkajoorļooj mour ko an.