Kumpani Overview an Bakgraun in Guyana
Demerara Bank Limited, bota piipl in Guyana jous noo am az Demerara Bank, a wan a di fos lokal, praivit-sekta bank dat staat op in Guyana bak in 1992. Dis bank staat wid wan vizhan fi bi wan schruu Guyanese bank, an from de de, dem gruo schrang. Wid eit branchiz skata raun di kanchri, Demerara Bank di gi piipl, chota an midium biznis (SME), an big kumpani dem a ful rang a saavis, fram depazit tu loan, tu tred finans, an dem di yuuz dijital weh fi help dem kliyan. Di bank schrang, dem na gat no bad loan, an dem di gruo evri yier, espeshali wid Guyana ikonomi wa di boom nou.
Wan Shaan Kumpani Histri
Demerara Bank staat on January 20, 1992, an dem get dem bankin laisans on October 31, 1994. Dis a di brainchaail a Dokta Yesu Persaud, wan vizhanari man wa had di aidia sins di late 1960s. Di aidia waz fi mek wan bank dat waz schruu Guyanese, uon an ran bai lokal piipl. Wen dem fos riez mani fi di bank, piipl waz so intrestid dat dem did obashubskraib, dat miin dem did waan put in moa mani dan di bank did need. Dis shoo how moch feks piipl had in dis lokal enivashment.
Hu Uon Demerara Bank?
Di bank uon bai lokal biznisman an ada instityushanz. Alido di diffran diffran piipl an kumpani dem wa uon shair na opan fi evribadi fi si, it klia dat di bank a wan lokal afair. Di cheerman a Komal Samaroo, an di S.E.O. a Pravinchandra Dave. Dokta Yesu Persaud stil riiz an riis az di foundin patran.
Biznis Modl an Target Maakit
Demerara Bank modl a fi gi a ful rang a finanshal saavis. Dis a wa dem di target:
- Piipl in Taun an Nier Taun: Dem hu di luk fi hom loan, veekl loan, an pasonal loan.
- Chota an Midium Biznis (SME): Dem wa need mani fi run dem biznis (workin-kapitul) an fi tred.
- Big Kumpani Dem: Espeshali dem wa di wuk in agrikolcha, mainin, oil an gas, an manifakchurin.
Demerara Bank Loan Kaek-fiy an Saavis
Demerara Bank di gi a diffran diffran loan kaek-fiy fi fit diffran diffran need. Hia a wan luk at wa dem di aafa:
Diffran Diffran Loan Yu Kan Get
-
Hom Loan:
- Mani Rang: Minimum GYD 500,000 (roun USD 2,400).
- Intres Reet: Fram 3.5% tu 8.0% pii-ei (p.a.), di way yu pay bak di redyus di balans.
- Loan Term: Op tu 30 yier.
- Fees: No arijinaishan fee, an yu get 50% af di leegal fee. Late fee na spesifai.
- Gaaran-ti: Fost maagej on di propati.
-
Veekl Loan: Dis gat diffran opshan dipen if di veekl a nyuu, rikondishan, ar sekan-han.
- Nyuu Veekl: Op tu GYD 10,000,000 (roun USD 48,000) at 11.0% intres, pay bak in 6-8 yier.
- Rikondishan Veekl (Praivit): Op tu GYD 10,000,000 (roun USD 48,000) at 12.5% intres, pay bak in op tu 5 yier.
- Rikondishan Veekl (Hair): Op tu GYD 10,000,000 (roun USD 48,000) at 13.5% intres, pay bak in op tu 4 yier.
- Sekan-Han Veekl: 60% a di veekl valyu at 14.0% intres, pay bak in op tu 3 yier.
- Fees: Prosesin fee di aplai fi ol veekl loan.
- Gaaran-ti: Veekl taitl an bil a seel.
-
Chota an Midium Biznis Loan (SME Loan):
- Mani Rang: GYD 5,000,000 tu GYD 25,000,000 (roun USD 24,000 tu USD 120,000).
- Intres Reet: Na opan fi evribadi fi si, yu gota aaks di bank.
- Loan Term: Yuujali 1-5 yier.
- Fees: Arijinaishan an prosesin fees di aplai.
- Gaaran-ti: Maagej, dibencha, kach, ar bil a seel.
-
Ovardraaf Fasiliti:
- Mani Rang: Dipen on di limit dem aproov fi yu.
- Intres Reet: Diffran fi diffran prodok.
- Loan Term: Dis a wan rivolvin lain a kridit.
- Fees: Anual fasiliti fee an intres on di mani yu yuuz.
- Gaaran-ti: Yu chekin akaunt lien.
-
Bank Gaaran-ti:
- Mani Rang: Dipen on di fasiliti.
- Intres Reet: Komishan-beis.
- Loan Term: Az dem need am.
- Fees: Gaaran-ti komishan.
- Gaaran-ti: Di sekuriti fram di andalaayin fasiliti.
Intres Reet an Fees
Di intres reet dem waz jous menshan op de. Fi di fees, Demerara Bank di chaaj roun 1% tu 2% fi arijinaishan ar prosesin fees, bota dem aafan weev dem fees wen dem gat promoshans. Fi hom loan, dem aafan gi 50% diskaunt on leegal fees. Fi let peement, dem gat wan stanad penalti intres, bota di speshifik reet na opan fi evribadi fi si.
Loan Term an Hu Yu Pay Bak
Di lenk a taim yu gat fi pay bak yu loan dipen on di loan kaek-fiy:
- Hom Loan: Op tu 30 yier.
- Veekl Loan: 3 tu 8 yier.
- SME Loan: 1 tu 5 yier.
- Ovardraaf: Dis a rivolvin, so yu jous pay intres on wa yu yuuz.
Gaaran-ti Fi Loan (Collateral)
Fi yu loan fi get aproov, yu aafan need fi put op somting az gaaran-ti:
- Propati Loan: Maagej on di propati.
- Veekl Loan: Veekl taitl.
- SME Loan: Dibencha, kach, ar bil a seel.
- Ovardraaf: Lien on yu chekin akaunt.
Hu Yu Aplai an Wa Yu Need
Aplain fi wan loan wid Demerara Bank a wan schreetforwad proses. Hia a wa yu need fi noo:
Hu Yu Aplai Fi Loan
Yu gat diffran weh fi aplai:
- Dem Websait: Yu kan go on dem websait an fill out di "Aplai Nou" faam fi di loan yu waan. Di websait wuk gud on foon an kompyuta.
- Branchiz: Yu kan visit eni a dem eit branchiz raun Guyana fi aplai in pason. Dem gat branchiz in Jorgetown, Roaz Hol, Korivata, Ana Rijiina, Diaman, Le Resuveneer, Maahaika, an Leonoora.
- Ekspo: Somtaim, at big evens laik Bildin Ekspo, dem gat staff de wa kan aproov loanz on di seem day.
- Foon-App (Web Portaal): Dem na gat a dedikeetid foon app yet, bota yu kan yuuz yu foon browsa fi go on dem intanet bankin portaal fi som saavis. Dem di wuk on wan rait nou.
Papaz Wa Yu Mus Bring
Wen yu aplai, yu need fi gat di falaowin papaz raddi:
- Main Aidee: Yu paspoat, nashanal aidee, ar draiva laisans.
- Prooph a Adres: Wan bil (lait bil, wata bil) dat waz ishu in di laas 6 monts, shoin yu adres.
- TIN Sartifakit: Yu Taaks Identi-fikaishan Namba sartifakit.
- Inkom Papaz: Paislip, biznis rijis-traishan, an finanshal papaz fi biznisman.
- FATCA Deklareeshan: If yu a U.S. taks-peeya.
Hu Di Bank Chyek Yu Kridit
Di bank gat wan speshial sistem fi chyek piipl kridit. Dem di luk at yu inkom, hu long yu di wuk, an yu kridit histri from Kridit Byuro (Everydata Guyana). Fi big loan an biznis loan, di manaaja dem di luk at it koshali. Dem aalsu di get valyueshan from aproov apraiza fi di gaaran-ti yu di put op.
Hu Di Mani Pay Out
If yu loan get aproov, di mani kan pay out diffran diffran weh:
- Lokal Bank Transfir: Di mani kan sen direk tu yu akaunt in Demerara Bank ar ada lokal bank.
- Kach Pik-Up: Yu kan pik up kach at di branch.
- Foon Mani Transfir: Dem di wuk wid paatna dem laik Ria fi sen mani troo foon mani.
Dijital Saavis, Kliyan Rivyu an Maakit Plaas
Demerara Bank di mek shuor dem di kip op wid di taim, espeshali wid dijital saavis, an dem gat a schrang plaas in di maakit.
Foon-App an Intanet Bankin
Az wi did menshan bifoa, Demerara Bank na gat a dedikeetid foon-app fi iOS ar Andraid yet. Bota, dem gat wan rispansiv websait weh yu kan aksess yu intanet bankin portaal from eni divais. Dis websait aalsu di gi yu aplikaishan faamz fi loanz. Dem aalsu aktiv on soshal meedya (Facebook, Instagram) fi komyunikeet wid dem kliyan. Dem di wuk on a nyuu foon-app, so dat fi kom soon.
Regeleeshan an Laisans
Demerara Bank a wan fuli regeleetid bank in Guyana. Di Finanshal Institushanz Komishan a di bodi wa di ovasi di bank, an dem di abaid bai di Finanshal Institushanz Ak (1995). Di bank gat schrang kapitul, wid a reeshio a 19.25% at Disemba 31, 2023, wa a moch moa dan di 12% minimam wa di rikwaiya. Wa moa, Demerara Bank gat ziero non-performin loanz (loan wa piipl na di pay bak), weh a gud nuuz an shoo dem schrong finanshal manijment. Dem na gat no poblik enfoursment ar penalti histri, an dem di kip tu konsyuma protekshan laa.
Kliyan Rivyu an Demerara Bank Maakit Plaas
Piipl di taak gud bout Demerara Bank on soshal meedya, espeshali bout dem kuik aprooval fi loanz. Bikaaz dem na gat a neetiv foon-app, de a no moch rivyu for an app. Dem websait trafik di gruo by 15% evri yier. Di bank a wan a di top faiv komershal bankz in Guyana by asets. Demerara Bank aalsu di shoo big gruot in loanz, akountin fi 38% a di sekta loan gruot in 2024, an 35% in di fos haaf a 2025.
Komparishan wid Ada Bank
Demerara Bank gat diffran diffran kompetitorz in Guyana, inkluud Republic Bank, Scotiabank, Guyana Bank for Trading and Industry (GBTI), an Bank of Baroda. Bota, Demerara Bank di stan out bikaaz:
- Dem a lokal uon, dat mek dem get schrang komyuni-ti saport.
- Dem gat wan sola-powa kaporit ofis, shoin dem komitment tu di invairanment.
- Dem di gi pasonalaiz saport fi chota biznis (SME).
- Dem aafan di gi seem-day aprooval at biznis ekspo.
Dem aalsu gat paatnaship wid IDB Invest fi tred-finans, an Ria Mani Transfir fi rimintans, an Visa fi debit/kredit kaad.
Praktikal Advais Fi Piipl Wa Waan Borro
Befor yu mek a disishan fi borro mani from Demerara Bank ar eni ada bank, hia som praktikal advais fi help yu:
- Noo Yu Needment: Tink gud bout wa yu rieli need di loan fi an how moch mani yu rieli need. Borro onli wa yu kan afuod fi pay bak.
- Get Yu Papaz Raddi: Mek shuor ol yu papaz (aidee, prooph a adres, inkom papaz) a in oada an raddi. Dis di mek di aplikaishan proses fasta an smoota.
- Chyek Di Intres Reet an Fees: Oalwez aaks about di intres reet an eni ada fees (prosesin fees, late fees) dat di aplai. Mek shuor yu andastan di total kos a di loan. Demerara Bank intres reet dem a aafan kompe-titiv, espeshali fi hom loan.
- Andastan Di Term: Riid an andastan di loan term, dat a how long yu gat fi pay bak an di peement skejul. Mek shuor it fit yu budjit.
- Kompare wid Ada Option: Alido Demerara Bank a wan schrang lokal opshan, it a oalwez gud fi luk at ada bank dem aalsu fi mek shuor yu di get di bes diil fi yu speshifik need.
Demerara Bank Limited a wan schrong, lokali uon bank dat di plai a big ruol in Guyana ikonomik gruot. Wid dem komitment tu dijital weh, schrang finanshal manijment, an a rang a loan prodok, dem a wan gud opshan fi piipl an biznis dem in Guyana wa di luk fi finanshal saport.
