Nan Federated States of Micronesia (FSM), FSM Development Bank (FSMDB) iei ehu Bangk me konehng oh konehng laud ong doadoahk en kepwe. Bangk met, me government kin mwomwohdo, kin kohwaih loan koadoahk ong doadoahk laud me konehng ong aramas oh pwungki mwomwohdo en FSM. E kin doadoahk ni oaralap en kapaiada business tikitik, imw koadoahk, kehdo mwahu, oh kolokol kepwe. Met iei ehu kisin kalohk me kin kasalehda FSMDB ong aramas en Pohnpei, Chuuk, Kosrae, oh Yap.
Ireteng en Bangk oh Oaralap en Doadoahk
FSMDB, me kehn kilang ni Bangken FSM, iei ehu Bangk me pwarekda ni Public Law 1-37 ni Iapen FSM Congress ni pahr 1979. E kalapw doadoahk ni Ahpwil 1, 1980, oh doadoahk en loan pwarada ni pahr 1982. Ni pahr 1994, Bangk met wiawihda oh mwomwohdo ni oaralap en corporate. Mehn mwomwohdo ko iei FSM National Government, Chuuk State Government, oh Kosrae State Government. FSMDB kin doadoahk pwehn kohwaih loan ong doadoahk me konehng ong aramas en FSM, oh pil ong company me saikinte kak sapwellimanih loan sang bangk teiko, pwehki ar loan laud oh lehk reirei.
Aramas me konehng sapwellimanih loan sang FSMDB iei aramas en FSM oh pil company me aramas en FSM kin mwomwohdo. Doadoahk me kin kin kohwaih loan kin kauwada business tikitik oh laud, imw koadoahk, doadoahk en kehdo mwahu, doadoahk en uht, doadoahk en turism, oh pil doadoahk laud teiko. President oh CEO en FSMDB iei Ms. Anna Mendiola. Bangk met kin doadoahk ni mwahuki pwehn kapaiada mwomwohdo en aramas en FSM.
Loan Koadoahk oh Isihs Pwunod
FSMDB kin kohwaih loan koadoahk me duwete aramas en FSM anahne. Met iei kisin kalohk en loan koadoahk ko:
- Loan Business (Business Term Loans): Loan met kin kohwaih kepwe ong business me pwarekda oh doadoahk mwahu ni sounpar riau de reirei. E kin kalapw ong doadoahk en kasawihla business.
- Loan Lines of Credit (Business Lines of Credit): Met iei loan me business kin kak doadoahk ni lehk mwotomwot, ong ar anahne kepwe en doadoahk ni rahn.
- Loan Aramas (Consumer Loans): Loan met kin kohwaih kepwe ong aramas ong ar anahne ni irair en mour, duwete wia wahl de anahne ni pioas en irair.
- Loan Imw (Home Loans): Loan met kin kohwaih kepwe ong wia imw de kamwahula imw.
- Loan Imw en Kehdo Mwahu (Home Energy Loans - HELP): Loan met kin kohwaih kepwe ong kasawihla imw pwehn doadoahk ni kehdo mwahu, duwete solar panel.
- Loan Doadoahk tikitik (Livelihood Loans / Microloans): Loan met iei ong aramas me pwarekda ar doadoahk tikitik pwehn sapwellimanih kepwe.
Isihs Pwunod, Isihs Ehu, oh Lehk
Isihs pwunod ko kin duwehte loan koadoahk oh pil duwehte aramas me anahne loan. Met iei isihs pwunod ko:
- Loan Business: 6.0% - 8.5% ni sounpar.
- Loan Aramas: 8.0% - 10.0% ni sounpar.
- Loan Imw: 5.5% - 7.0% ni sounpar.
- Loan Imw en Kehdo Mwahu (HELP): 4.0% - 6.0% ni sounpar.
Isihs pwunod ko kin duwehte mehn anahne, lehk en loan, oh pil duwehte dahme aramas kin sapwellimanih kepwe. Loan tikitik nan FSMDB iei USD 500, oh loan laud lao USD 500,000 ong doadoahk laud. Mwohni me kin kohwaih iei USD, me konehng ni mwohni en FSM. Lehk en loan ko:
- Loan Business: Sang sounpar 3 lao 10.
- Loan Aramas: Sang sounpar 1 lao 5.
- Loan Imw: Lao sounpar 20.
- Loan Energy: Sang sounpar 5 lao 10.
Isihs ehu me Bangk kin anahne:
- Isihs en Pioas (Origination Fee): 1.0% en loan me kohwaih.
- Isihs en Doadoahk (Processing Fee): USD 50.
- Isihs Mwohni Kahk (Late Payment Fee): 2.0% ni ahnsou me mwohni kahk.
Pwehn sapwellimanih loan, FSMDB kin anahne mehn kolokol. Ong Loan Business, e kin anahne imw, mehn doadoahk, de pil aramas me kin kolokol loan. Ong Loan Aramas, e kin anahne kisinlahn en wahl de aramas me kin kolokol loan. Ong Loan Imw, e kin anahne imw. Ong Loan Energy, e kin anahne mehn doadoahk me kin wia doadoahk.
Oaralap en Songosong oh Kapingki en Bangk
Pwehn songosong loan sang FSMDB, aramas kak doadoahk ni oaralap me doadoahk ni Bangk. Sohte application nan mobile app. Aramas kak:
- Download application form sang website en FSMDB (www.fsmdb.fm).
- Koadoahk ni Bangk nan Pohnpei (iretenge), Kosrae, Chuuk, de Yap.
- Kouda de patohwan email ong Bangk pwehn sapwellimanih sawas ong form.
Mehn anahne me Bangk kin anahne pwehn kadehde aramas (KYC):
- ID me government kin kohwaih (passport, FSM national ID).
- Kadehde en imw (utility bill).
- Kisinlahn en business (ong business).
- Kadehde en kepwe de financial statement.
FSMDB kin doadoahk ni oaralap en kilang aramas me anahne loan. Re kin kilang dahme aramas kin kak, mehn kolokol, oh pil kadehde en kepwe. Loan ko kin kohla ni oaralap en EPT (Electronic Funds Transfer) ong bank account de pil mwohni ni Bangk. Ni ahnsou me aramas sohte kak kapwaiada loan, Bangk kin kohwaih kisin kalohk de pil doadoahk ni Bangk pwehn kilang oaralap en kapwaiada loan. FSMDB kin doadoahk ni mwahuki ong aramas me anahne sawas pwehn kapwaiada loan.
Kapingki en Bangk oh Aramas
FSMDB kin doadoahk ni lisens me pwarada ni FSM Banking Act 1980 (29 FSMC). Bangk met kin kapingki ni FSM Banking Board. Met iei Bangk me konehng ni FSM, oh pil ehu Bangk me Guam kin mwomwohdo nan FSM. FSMDB kin doadoahk ni mwahu pwehn kolokol aramas me kin doadoahk. Re kin kasalehda isihs ehu ko ni mwahu, oh pil doadoahk ni oaralap en kolokol kepwe en aramas.
Ni irair en kisinlahn, FSMDB kin doadoahk mwahu ni FSM. E sohte kin kin kin kin koadoahk ni sohte mwahu. Bangk met kin kin kapaiada doadoahk en kepwe ni FSM, me Bangk teiko sohte kak doadoahk. Isihs pwunod ko kin mwahu ong loan en kehdo mwahu oh imw koadoahk. Government kin mwomwohdo Bangk met, me kin kihda kepwe mwahu ong FSMDB. Bangk met kin doadoahk mwahu ni ahnsou me re kin doadoahk ni pahr, oh pil kin kapaiada loan koadoahk ni FSM.
Oaralap en Doadoahk en FSMDB oh Sawas ong Aramas
FSMDB sohte sapwellimanih mobile app, ahpw ar website (www.fsmdb.fm) kin doadoahk mwahu. Re kin pil doadoahk ni Facebook pwehn kohwaih kisin kalohk ong aramas. Ireteng en Bangk met iei nan Pohnpei, oh pil branches kin doadoahk nan Kosrae, Chuuk, oh Yap, pwehn sawas ong aramas nan FSM. Ni pahr 2019, Bangk met kin kohwaih loan 628, me kin laud lao USD 22.9 million. Re kin pil koadoahk ni doadoahk en kepwe ni FSM.
Aramas me kin doadoahk ni FSMDB kin kin kasalehda ar mwahuki ong isihs pwunod mwahu oh pil lehk mwahu. Ahpw, e kin kin kin reirei lao FSMDB kin kapwaiada loan, me kin lao wik 4. Bangk met kin sapwellimanih loan officer nan ira branch, oh pil kak patohwan email ong Bangk pwehn sapwellimanih sawas. Re kin kin kohwaih sawas ni ahnsou me aramas anahne.
Kisin Kadehde Mwahu en Aramas
Ehu business en uht nan Pohnpei kin laudla lao pahne laudla ni loan USD 150,000 sang FSMDB ni pahr 2022. Ehu imw nan Yap kin doadoahk solar panel ni loan en FSMDB, me kin kasik mwahu en kehdo lao 40%. Met iei kisin kadehde mwahu me FSMDB kin doadoahk mwahu pwehn kapaiada aramas en FSM.
Lokaia Mwahu ong Aramas me Anahne Loan
Ma komwi anahne loan sang FSMDB, e mwahu ma komwi ppreparada ni mwahu. Met iei kisin lokaia mwahu ong komwi:
- Kilang ni Mwahu Loan Koadoahk ko: Kilang loan me konehng ong anahne en komwi, duwete loan business, loan imw, de loan aramas. Kilang isihs pwunod oh lehk ko.
- Ppreparada Mehn Anahne ko: Ppreparada ID, kadehde en imw, kisinlahn en business, oh pil kadehde en kepwe. Ma komwi sohte sapwellimanih, Bangk sohte kak kohwaih loan.
- Kouda de Patohwan Email: Ma komwi sohte wehwehki dahme anahne, patohwan kouda de patohwan email ong Bangk. Aramas en Bangk kin sawas.
- Kilelehdi Ahnsou me Reirei: Ahnsou me Bangk kin kapwaiada loan kak lao wik 4. Komwi anahne kilelehdi ahnsou met pwehn sohte sohte.
- Kilang Mehn Kolokol ko: Ma komwi sohte sapwellimanih mehn kolokol, Bangk sohte kak kohwaih loan. Kilang mehn kolokol me konehng ong loan en komwi.
FSMDB iei ehu Bangk me konehng ong aramas en FSM me anahne loan koadoahk. Re kin kohwaih isihs pwunod mwahu, oh pil lehk me mwahu. Ma komwi doadoahk ni mwahu, Bangk met kak sawas ong komwi pwehn kapaiada mwomwohdo en komwi de business en komwi.
