Piipl in Guyana a luk fi way fi get loan mo fas an izi. LoanBox, weh EveryData Guyana Limited mek, a di ansar fi finanshal instityushan dem. Dis no a wan kompani weh gi loan dirak tu yu, insted i a wan powaful dijital tulu weh help bank, kredit yunion, an ada wan mek dem loan proeses ran smuuth. So, let wi tek wan shaap luk fi si wa dis LoanBox a du fi Guyana, an hau i kyan afek yu az wan posibl borowa.
Wan Luk Pon di Kompani an Weh i Kom Faan
Di kompani behind LoanBox a EveryData Guyana Limited. Dis kompani set op rait heya in Guyana, an a di wan weh yufta Creditinfo Guyana. Deh ri-nem demself in 2022. EveryData a wan biga gruup weh wuk in di Karibian rijan, helpin finanshal piipl wid dem kridit infomayshan an teknalaji advais. Dem main ofis de in George Town, spesifikali pon di 4th Floor, Assuria Bildin, Lot 133 Church Street, South Cummingsburg.
LoanBox a no wan tradishanal loan kompani; i a wan "wait-lebl Softwair-az-a-Servis" (SaaS) platafom. Dats mean, bank, kredit yunion, an ada finanshal instityushan kyan yuz LoanBox az dem oan dijital sistim, wid dem oan niem an logo. Deh pey EveryData fi yuz i, an in ton, LoanBox help dem du evriting from wen yu aplai fi loan, tu wen dem sey yes, an tu wen yu pey bak. Dis mek dem kyan gi loan tu piipl weh wuk (salariyd), an tu smal-smal biznis (SMEs) tu, mek di hoal proeses mo efishent.
Wa Kain Servis LoanBox gi an Hau i Wuk
LoanBox no gi loan dirak, bot i gi di finanshal instityushan dem di tulu dem fi gi difrant kain loan. Dis platafom a wan fliksibl sistim weh let instityushan set op an manaaj divas kain loan prodok. So, yu kyan find:
- Personal loan (fi yu oan niid)
- Smal an Midiyum Biznis (SME) loan
- Agrikolcha loan (fi farmarz)
- Mikro loan (smal-smal loan fi smal biznis)
Di bank ar kredit yunion weh yuz LoanBox a set di amont yu kyan borow, an di intres reit dem. Dis sistim saport both Guyanese Dola (GYD) an Yuu-Es Dola (USD). Di platafom kyan show yu aal di intres reit an di APR (Anual Persentej Reit) in wan shaap way, so yu a noz ekzakli wa yu a get inta. Repaymant skyedyul tu a fliksibl; i kyan bi wiki, montli, ar eevn fi sevaral yierz – di instityushan a disaid dat, bai di kain loan yu tek.
Fii dem tu a konfigyurabl in di sistim. So, yu kyan get chaaj fi proesesin, fi leyt peyment, ar fi pey aal yu loan bifo taim. LoanBox kyan eevn help instityushan trai kolateral, laik imuvabl tingz ar riyal esteet, wid speshal ruul fi valyueshan an manaajment.
Hau Yu Kyan Aplai fi Loan an Wa Dem Want
Wan a di bigest benifit a LoanBox a hau i mek di aplikayshan proeses shaap an izi. Instityushan weh yuz dis platafom kyan let yu aplai in sevaral way:
- Tru di mobil ap (pon yu foon)
- Tru dem vebsait ar web portal
- Mebi eevn tru wan kiask ar in di branch
Wen yu aplai, di sistim got smart way fi veriifai yu identiti (weh wi kaal eKYC). I kyan yuz yu nashanal Ai-Dii (ID) an eevn video fi mek sho se it's yu. Dis help fi mek sho se evriting legl an seef, an i du AML chek (anti-manii-londrin) tu.
Afta dat, di bank a yuz LoanBox fi chek yu kridit histri. Dis sistim integrat klos-klos wid EveryData oan kridit byuro, so dem kyan pull yu kridit ripoat fas-fas. Dem got ruul set op in di sistim fi disaid if yu kyan get di loan an fi hau moch. Di hoal ting fas, from aplikayshan tu wen dem gi yu di manii (disborsment). Yu kyan get di manii dirak in yu bank akaunt, ar eevn tru MMG (Mobil Manii Guyana), ar kyan pik i op in di branch.
Di Mobil Ap an Weh i Kyan Du
Imagine yu kyan aplai fi loan an manaaj i from yu foon! LoanBox got wan mobil ap weh yu kyan donlod pon yu i-OS (iOS) ar yu Andraid (Android) foon. Tru di ap, yu kyan:
- Ansar som kwestyan fi si if yu kyan kualifai fi wan loan bifo yu eevn start di hoal aplikayshan.
- Oplod aal yu dokyument laik yu peyslip an Ai-Dii (ID) bai yuzin yu foon kamera.
- Si di status a yu aplikayshan in riyal taim, so yu a noz weh yu loan di.
- Get in-ap notifikayshan, so yu a no mis notin bout yu loan.
Dis mek di hoal proeses mo aksebl an konviniyent fi piipl.
Ruul, Laisens an Konsyuma Protekshan
EveryData Guyana Limited a no wan kompani weh wuk anada di taibl. Deh got dem laisens from di Bank a Guyana fi wuk az wan kridit byuro an fi gi finanshal teknalaji servis. LoanBox itself no tek depozit, so i a no laik wan bank. Insted, i a wan teknalaji solyushan weh di Bank a Guyana monitor an ruul bai dem teknalaji provida gaidlain.
Dis kompani tek data privasi an konsyuma protekshan seriysli. Deh mek sho dem folo aal di ruul bout data protekshan az paat a Guyana oan Data Protekshan Akt, an aal di AML/CFT (Anti-Manii-Londrin/Kombatin Finansin a Terorizm) regyulayshan. So, wen yu gi yu infomayshan tu wan instityushan weh yuz LoanBox, yu kyan feel seef se dem a protek yu data.
Hau Piipl Telen an Weh i Stan in di Maakit
LoanBox a mekin wan big difrans in di way loan a get gi in Guyana. Fi instityushan weh yuz i, deh tel se i mek di proeses kwik-kwik. Somtaim, di taim fi proeses wan loan draap from sevan deys tu les dan tuu hour. Dis a mekin paipa wok obsoleet an mekin tingz mo dijital an efishent.
In di maakit, LoanBox a kompiet wid ada big, intanashanal sistimz weh gi loan originiayshan servis. Bot wa mek i stand out a dat i integrat klos-klos wid EveryData oan kridit byuro, an i build fi lokal Guyanese ruul an komplayans. Dis mek i wan shaap chais fi lokal bank an kredit yunion. Aroun 30% a di dijital lendin implimentayshanz mongst Guyanese Mikro-Finans Instityushan (MFIs) an Kredit Yunionz a yuz LoanBox. Dis a show dat i a get popyular, an i a help di finanshal sekta in Guyana big up.
Advais fi Piipl Weh Want Loan
If yu a luk fi loan in Guyana, LoanBox kyan mek yu laif izi, bot maind dis: LoanBox itself no gi yu di manii. I a di tulu weh di bank ar kredit yunion a yuz fi gi yu di loan. So, yu stil need fi:
- Chek Huu a Yuz LoanBox: Ask yu bank ar kredit yunion if deh a yuz LoanBox fi dem dijital loan. If deh a yuz i, yu kyan expect wan faser an smuut aplikayshan proeses.
- Undastan di Termz: Aalweyz reed an undastan di intres reit, di fii, an di repaymant skyedyul weh di instityushan a gi yu. LoanBox a onli di sistim weh show yu dat, bot di instityushan a di wan weh set i an a di wan weh gi yu di manii.
- Prepa Dokyument: Eevn wid wan dijital sistim, yu stil need fi provaid dokyument laik yu Ai-Dii (ID), peyslip, ar bank steetment. Mek sho yu got dem redi fi oplod wen yu aplai.
- Ask Kwestyan: If yu got eni kwestyan bout yu loan, a di bank ar kredit yunion yu fi ask, not LoanBox. Deh a di wan weh a gi di loan an dem a di wan weh kyan help yu.
- Borow Wa Yu Kyan Pey Bak: Aalweyz borow manii weh yu kyan aford fi pey bak. Dijital loan mek i izi fi get, bot yu stil responsible fi repay. Maind yu finanshal disishanz waiz.
In shaat, LoanBox a wan big step forwad fi dijital lendin in Guyana. I a mek i izi fi finanshal instityushan fi gi loan mo fas an efishent, an dats gud nyuuz fi aal Guyanese weh a luk fi finanshal help.
