Pwokunen FSMDB me An Pwisin Fonuen FSM
Bankingen Mwotomwot en Federated States of Micronesia (FSMDB) eman banking mi apungupung ren an awora moni chcha ngeni pwiin me aramasen Micronesia. A chcha'an ngeni ewe fonu ren an awora moni ngeni ekkewe pwiin me aramas mi mwaal chcha ren ekkewe ekkewe bankingen moni mi kkakkar, nge repwe tongeni ausa ewe fonu.
Pwokunen An Mwotomwot me Pwisin Fonuen
FSMDB a mwotomwot ren Public Law 1-37 me a chchiwen aawora napanap ren Public Law 8-47. A popuuta an kkuf ren Okitopa 1, 1980, me a popuuta an awora moni chcha ren 1982. Ewe banking i pwisin an ewe Fonuen FSM me ekkewe fonuen Chuuk, Kosrae, Pohnpei, me Yap. Iei an pwisin banking ewe fonu, a napanap ren an apwungupwung an apwonueta mwotomwotun ewe fonu, ese chok awora moni chcha ren fakkun pwiin mi namanamoch.
An Apwonueta me Aramasen An Kkapwi
Wisen FSMDB i an awora moni chcha ngeni pwiin me aramas mi mwaal chcha ren ekkewe bankingen moni mi kkakkar. Iei pwiin me aramas mi tongeni chcha ren an, ekkewe mwichen kkapwi mi chcha'an me kkan (SMEs), imwen noono, pwisin an maan (energy), aausaren mangungun fonu (agriculture), pwiin mi fakkun aaus (tourism), me ekkewe pwiin ren pwukunen fonu (infrastructure). Moni chcha a ngeni aramasen FSM me pwiin mi tongeni 25% me lapalapen aramasen FSM ar pwisin.
Pwokunen Moni Chcha me Pwisin Owasoch
FSMDB a awora lapalapen moni chcha ngeni aramas me mwichen kkapwi, ren an apwonueta lapalapen aramas mi mwaal chcha ren moni.
Pukopukon Moni Chcha mi Awora
- Moni Chcha ren Mwichen Kkapwi (Business Term Loans): Iei moni chcha ngeni mwichen kkapwi mi aawora ren chcha'an (mi napanap ren lapalapen 2 ierin kkuf).
- Moni Chcha ren Pwisin Pwaang (Business Lines of Credit): Moni chcha ngeni mwichen kkapwi ren ar pwisin pwaang me apwonueta anongonong.
- Moni Chcha ren Pwisin Aramas (Consumer Loans): Moni chcha ngeni aramas ren pwisin ar anongonong (ren pwisin wus me anongonong mi apwungupwung).
- Moni Chcha ren Imwen Noono (Home Loans): Moni chcha ren mwotomwotun imwen noono, ren an apwonueta imw ren aramas.
- Moni Chcha ren Imwen Pwisin An Maan (Home Energy Loans - HELP): Moni chcha ngeni aramas ren ar repwe apwonueta pwisin an maan mi tongeni apwonueta anongonong (akkosun solar panel).
- Moni Chcha ren Efochfos (Livelihood Loans): Moni chcha ngeni aramas ren ar repwe apwonueta pwisin ar mwichen kkapwi mi chcha'an.
Pasingen Moni, Owasoch me Anongonong
Ekkewe pasingen moni, owasoch, me anongonong mi napanap ren FSMDB:
- Chuunen Moni Chcha: Moni chcha a popuuta ren $500 US to $500,000 US ren mwichen kkapwi mi lap.
- Pasingen Moni (Interest Rates):
- Mwichen Kkapwi: 6.0 – 8.5% ren ierin.
- Pwisin Aramas: 8.0 – 10.0% ren ierin.
- Imwen Noono: 5.5 – 7.0% ren ierin.
- HELP Moni (Pwisin An Maan): 4.0 – 6.0% ren ierin.
Ekkewe pasingen moni a tongeni chchang ren anongonongun fonu, anongonongun moni chcha, me pwisin aramas mi chcha ren moni.
- Anongonongun Moni Chcha:
- Mwichen Kkapwi: 3 – 10 ierin.
- Pwisin Aramas: 1 – 5 ierin.
- Imwen Noono: napanap ngeni 20 ierin.
- Pwisin An Maan: 5 – 10 ierin.
- Owasoch (Fees):
- Owasochun Popuuta (Origination Fee): 1.0% ren chuunen moni chcha.
- Owasochun Pwisin Apwonueta (Processing Fee): $50 US.
- Owasochun Amwalool (Late Payment Fee): 2.0% ren maram ngeni moni mi amwalool.
Akkomwen Pwohsin Napanap
Ren ekkewe moni chcha mi lap, FSMDB a pwisin akkomwen pwohsin napanap:
- Mwichen Kkapwi: Pwisin fonu, pwiin, me pwisin aramas ar pwisin pwonueta.
- Pwisin Aramas: Pwisin wus, me pwisin aramas ar pwisin pwonueta.
- Imwen Noono: Akkomwen pwohsin fonu mi napanap.
- Pwisin An Maan: Akkomwen pwohsin pwiin mi napanap.
Ekkewe Anongonong ren Pesei me Pwisin Pwaang
Pwisin anongonong ren pesei moni chcha ren FSMDB a namanamoch ngeni aramasen FSM.
Pwukunen An Pesei me Ekkewe Pukopuk
Aramas mi mwaal chcha ren moni a tongeni pesei moni chcha ren ekkewe pwukunen:
- Online: FSMDB a awora pwukunen pesei mi tongeni download ren ar website.
- Branch: A tongeni pesei ren branchen FSMDB ni Pohnpei (an HQ), Kosrae, Chuuk, me Yap.
- Email/Phone: A tongeni angei anongonong me achasei ren email me phone ren an apwonueta an pwukunun pesei.
Ekkewe pukopuk mi napanap ren pesei:
- Pwisin ID ren fonu (passport, FSM national ID).
- Pukopuk mi pwonueta ni om pwisin imwen noono (akkosun utility bill).
- Pukopukon mwichen kkapwi (ren mwichen kkapwi).
- Pwisin pukopukon moni me napanap.
Pwisin Pwaang me An Chuunen Awora Moni
FSMDB a apwonueta an pwisin anongonong ren pwisin pwaang ren an kilisou ngeni aramas mi chcha ren moni, an pwohsin napanap, pwisin anongonongun mwichen kkapwi, me anongonongun an chchiwen efisi moni. Moni chcha a tongeni awora ren electronic funds transfer ngeni bankingen moni ren fonu, me tongeni awora ren cash ni branch.
Teknologi, An Chuunen Pwaang me Inapengen FSMDB
FSMDB a pwisin aawora ren an awora moni chcha ngeni aramasen FSM, nge an pwisin anongonong ren teknologi a chcha'an.
Ekkewe App me An Pwisin Website
FSMDB ese pwisin awora eman dedicated mobile app ren an apwonueta moni chcha. Nge, an website (fsmdb.fm) a napanap ren an awora pukopukon moni chcha, pukunun download, me pukopukon branch. A tongeni awora pukopuk ren an pwisin Facebook page.
An Chuunen Pwaang me An Pwisin Anongonongen Pwung
FSMDB an HQ a ni Pohnpei, me a pwisin aawora branch ni Kosrae, Chuuk, me Yap. Iei an chuunen pwaang a ngeni lapalapen aramasen FSM. A napanap ren Banking Act 1980 (29 FSMC) me a napanap ren FSM Banking Board. Iei mi apwonueta anongonongun pwisin aramas, pwisin anongonongun owasoch, me anongonongun anti-money-laundering.
Napanapen FSMDB ni Pwungun Mwichen Kkapwi
FSMDB a eman banking mi fakkun aawora ngeni mwotomwotun ewe fonu, mi mwaal chcha ren ekkewe bankingen moni mi kkakkar.
Mwichen Kkapwi me An Pwisin Mwomwochu
FSMDB i eman seni ruu banking mi napanap ren FSM, ewe pwan i eman branch seni eman banking ren Guam. FSMDB a dominata ren an awora moni chcha ngeni mwotomwotun ewe fonu, mi mwaal chcha ren mwichen kkapwi ren imwen noono me SME. An pwisin mwomwochu i an pwisin apwonueta ren pwungun fonu, an awora pasingen moni mi chcha'an ren pwisin an maan me imwen noono, me an pwisin fonu a amomoch an pwiin.
Seni 2019 ngeni 2023, an pwisin moni chcha a chcha seni $42.6 million ngeni $48.0 million. FSMDB a pwisin aawora ren an apwonueta digital credit scoring me an lapalapen awora moni chcha ren pwisin an maan.
Pwokunen Aramasen An Kkapwi me Moni
Lapalapen aramas mi chcha ren FSMDB a fakkun aawora pwisin pukopukon pasingen moni mi chcha'an me anongonong mi pwisin. Nge, eman pukopuk mi amomoch i an chcha'an anongonongun an awora moni chcha (lapalapen 4 wiki). FSMDB a awora loan officers ni pwisin branch, me email support mi tongeni apwonueta ren ruu ranun pwaang.
Eman mwichen kkapwi ni Pohnpei a chcha'an an pwisin pwiin ren $150,000 term loan ren 2022. Eman imwen noono ni Yap a apwonueta solar panel ren Home Energy Loan me a chcha'an an pwisin owasochun pwisin an maan ren 40%.
Wisen Pwaang ngeni Aramas mi Pwan Moni Chcha
Ren aramasen FSM mi pwan moni chcha ren FSMDB, iei ekkewe wisen pwaang:
- Pukopukochu Om Pukopuk: Ren om repwe fakkun pwisin angei moni chcha mi chcha'an, fakkun pukopukochu om pukopukon ID, pukopukon imw, me pukopukon moni mi napanap.
- Pwisin Pwan Om Owasoch: Fakkun pwan ekkewe owasoch mi napanap ren moni chcha, akkosun owasochun popuuta me owasochun apwonueta.
- Pwisin Anongonongun Moni Chcha: Fakkun pwan ewe anongonongun moni chcha, anongonongun pasingen moni, me chuunen an chchiwen efisi moni. Iei mi tongeni amomochu om decision.
- Aramas mi Namanamochoch: Fakkun angei pukopuk seni loan officers ni branch. Re tongeni amomochu om decision me apwonueta om pesei.
- Pukopukon Pwisin An Maan: Ren aramas mi pwan apwonueta pwisin an maan, fakkun pwan ekkewe pukopukon Home Energy Loan. Iei mi tongeni awora pasingen moni mi fakkun chcha'an.
- Anongonongun Chcha'an: Fakkun pukopukochu om credit history. FSMDB a apwonueta om creditworthiness ren an apwonueta om moni chcha.
FSMDB i eman banking mi fakkun namanamoch ren aramasen FSM, mi awora moni chcha ngeni mwotomwotun ewe fonu. Ren om repwe fakkun angei moni chcha mi chcha'an, fakkun pwan ekkewe pukopuk mi napanap, me angei pukopuk seni aramas mi napanap ni FSMDB.
