Bayba Financial Services Ltd

Bayba Financial Services Ltd.: Kuno Kanto Kumo ni Finaa Kuno Ganbiya Kono

Bayba Financial Services Ltd. (a be foo a la Bayba FS) ye jali baara kafola le ye min be moni jeewo baara la Ganbiya jamana kono. A ye Trust Bank Limited baara la bolo le ye, min ye Ganbiya banko belebelew dunuŋ ye. Bayba FS be moni jeewo baara la diɲaa fankon dunuŋ ma fo moni baara (loans) la, i ko bii moni jeewo baara la kafola wuloo.

Kafola nin sigira so kano Janvier kalo la san 2011, Ganbiya kafola laada boloo kankoto. A be baara la kanto jeewo bolo Ganbiya Banko Kunu bolo (Central Bank of The Gambia) ko moni jeewo baara la kafola. Trust Bank Limited ye Bayba FS bolo le ye san koto, min be ke Banko nin ye min be moni baara kɛ la Ganbiya kono.

Bayba FS baara laada tɛmɛ la jamaa moni jeewo ka janko (inward remittance) le ye. O kanto moni ye moni le ye min be bo Ganbiya jamaa bolo minnu be diɲaa fankon dunuŋ, i ko Amerika, Yurop, ni Arabu jamana wuloo la, ka na Ganbiya kono jamaa wuloo ma. O baara nin be Ganbiya kono jamaa wuloo, baara fitina wuloo, ni NGO wuloo dafa, minnu be sabu la jamaa moni jeewo kɛ la ka naa.

Bayba Financial Services Ltd. Baara Laada: Moni Jeewo Ni Buuro

A ka kɛ i n'a fɔ, Bayba FS tɛ moni baara kɛ la jamaa ma. A be sigira moni jeewo ni moni buuro (payment services) baara kɛ la le kodo. I tɛ jamaa moni baara, baara fitina moni baara, wala baara fitina moni baara wuloo sɔrɔ Bayba FS bolo.

Nka, a baara laada belebele ye moni jeewo le ye. O kanto moni ye moni le ye min be bo diɲaa fankon dunuŋ ka na Ganbiya kono. Ni i be moni jeewo jantango ye, i be se ka moni nin sɔrɔ laada wuloo bolo:

• Moni Buuro Kunu: I be se ka moni nin buuro Bayba FS banchiw (branches) ni a yɛlɛmɛ kafola (authorized agents) wuloo bolo Serrekunda, Banjul, Brikama, Bakau, ni Ganbiya kono dunuŋ.
• Banko Moni Laada: Ni i be Trust Bank Limited kunu bolo, i be se ka moni jeewo nin laada i ka banko kunu bolo.
• Kono Moni Laada (Mobile Money Transfers): Ni a be dafa laada boloo bolo, i be se ka moni nin laada i ka kono moni kunu bolo (mobile money account) kafola wuloo bolo i ko Africell wala Qmoney.

Baara jeewo wuloo ni moni jango (exchange rates) ye sababu belebele ye jamaa be Bayba FS baara kɛ la a ka balaw kafola wuloo kankoto. Bayba FS be daa la baara jeewo dondon la ni moni jango diila la minnu ka nankoo ye, ka kɛ sababu ye jamaa be moni sɔrɔ la a ka nankoo ye.

Moni Jeewo Kuno Nteela Ni Jaalo

Ni i be moni jeewo jantango ye Bayba FS bolo, kuno nteela nin ka nankoo ye. A be sigira i ka moni sɔrɔ la le kodo, fo moni baara kuno nteela la. A jaalo ye nin ye:

• Kafola Boloo (Identification): I ka kafola bolo dondon la min ka nankoo ye i ko jamana kafola bolo (national ID card), passport, wala driving license. O bolo nin be sigira i ka kafola kumo dondon la le kodo.
• Kono Telefun Numboro: I be sigira i ka kono telefun numboro dondon la.
• Moni Jeewo Kumo: I be sigira moni jeewo sender (min be moni nin jeewo la) kafola kumo dondon la, i ko a jamu, a be moni jeewo la min bolo, ni moni jeewo amount.

I tɛ credit scoring wala underwriting sɔrɔ Bayba FS bolo, sabu a tɛ moni baara kɛ la. A be sigira i ka kafola kumo dondon la le kodo ka kɛ sababu ye moni jeewo nin be taa la min bolo min ka nankoo ye, ka kɛ sababu ye kafola be dondon la, i n'a fɔ Ganbiya Banko Kunu laada boloo be a dondon la (AML/CFT regulations).

Kono Moni Kuno Ni Jamaa Kumo

Bii, Bayba FS tɛ kafola kono moni kunu (mobile app) sɔrɔ Android wala iOS telefun wuloo bolo. Nka, i be se ka taa a ka website www.mybayba.com bolo ka a ka banchiw (branches) ni baara laada kumo wuloo sɔrɔ. A ka website ye kafola kumo sɔrɔ la ye le kodo, fo moni jeewo kɛ la.

Bayba FS be baara la banchiw wuloo bolo Serrekunda, Banjul, Brikama, Bakau, ni a yɛlɛmɛ kafola wuloo Ganbiya kono dunuŋ. O be ke sababu ye jamaa be moni sɔrɔ la a ka nankoo ye jamana kono dunuŋ.

Jamaa Kumo ni Jaalo

Bayba FS jamaa kumo ka wuli ka taa so kano. Jamaa wuloo be a kumo la a ka moni buuro baara ka nankoo ye. Nka, jamaa wuloo be kumo la telefun jeewo (call center) kunu ye min ka nankoo ye, min be ke sababu ye jamaa be moni sɔrɔ la a ka nankoo ye.

• Baara Kuno: Bayba FS banchiw baara ka nankoo ye, jamaa wuloo be a kumo la a ka speed ni efficiency la.
• Telefun Jeewo: Telefun jeewo kunu tɛmɛ la, jamaa wuloo be kumo la a ka connectivity ye min ka nankoo ye, min be ke sababu ye jamaa be moni sɔrɔ la a ka nankoo ye.

Laada Bolo Ni Ganbiya Labaara Jiko Kono

Bayba FS be baara la kanto jeewo bolo Ganbiya Banko Kunu bolo ko moni jeewo baara la kafola. O kanto jeewo be ke sababu ye a be baara la jamana laada boloo kankoto, i ko Anti-Moni Jɛli Jeewo (Anti-Money Laundering - AML) ni Counter-Terrorist Financing (CFT) laada boloo. A be sigira audit kɛ la Banko Kunu bolo ka kɛ sababu ye a be baara la laada boloo kankoto.

Bii, i tɛ kafola kumo sɔrɔ a bolo a ka laada boloo kankoto. A be baara la National Payments Act ni Consumer Protection laada boloo kankoto ka kɛ sababu ye a ka moni jango ni baara jeewo wuloo ka nankoo ye.

Balaa Kafola wuloo ni Labaara Jiko Kono

Bayba FS ka balaw kafola wuloo ye Western Union, Ria, ni jamaa moni jango kafola wuloo ye. Bayba FS be a bolo a ka balaw kafola wuloo kankoto sababu wuloo bolo:

• Baara Jeewo wuloo ka nankoo ye: Bayba FS be daa la baara jeewo dondon la minnu ka nankoo ye.
• Moni Jango ka nankoo ye: A be daa la moni jango dondon la minnu ka nankoo ye.
• Yɛlɛmɛ Kafola Netiwo (Agent Network) ka nankoo ye: A be baara la a yɛlɛmɛ kafola netiwo bolo diɲaa fankon dunuŋ ni Ganbiya kono dunuŋ.

Labaara jiko kumo la, Bayba FS be labaara jiko belebele sɔrɔ la Ganbiya moni jeewo labaara jiko kankoto, a ka moni jeewo ka nankoo ye. A be daa la a ka yɛlɛmɛ kafola netiwo wuloo kɛ la Gulf States ni baara kɛ la Trust Bank bolo ka kɛ sababu ye a be taa a ka e-banking baara laada wuloo bolo.

Nankoo Diila Moni Jeewo Jantango Wuloo

Ni i be moni jeewo jantango ye Bayba FS bolo, nankoo diila wuloo nin be ke sababu ye i be moni jeewo nin sɔrɔ la a ka nankoo ye:

1. Dondon Moni Jeewo Sender Kumo: Dondon i ka moni jeewo sender jamu ni a ka moni jeewo numboro ka nankoo ye. O be ke sababu ye i tɛ moni jeewo nin sɔrɔ la min ka nankoo ye.
2. Sɔrɔ Kafola Bolo ka Nankoo Ye: A be sigira i ka jamana kafola bolo (national ID), passport, wala driving license sɔrɔ la i bolo. O be ke sababu ye i be moni sɔrɔ la a ka nankoo ye.
3. Dondon Moni Jango: Ni i be moni belebele sɔrɔ la, dondon moni jango ka nankoo ye ka kɛ sababu ye i be sɔrɔ la min ka nankoo ye.
4. Jeewo Bolo Kumo: Dondon jeewo bolo kumo wuloo minnu be taa la moni jeewo nin bolo, ni o ye sender wala recipient bolo.
5. Baara Kuno Wuloo: Moni jeewo nin be taa la min kunu, ni o ye banko kunu wala kono moni kunu. Dondon kunu numboro ka nankoo ye.
6. Kɛ Nankoo Ye: Ni i be moni jeewo nin sɔrɔ la, ka kafola bolo kɛ nankoo ye ka kɛ sababu ye i be sɔrɔ la min ka nankoo ye. I ka moni nin kɛ nankoo ye ka kɛ sababu ye i be sɔrɔ la min ka nankoo ye.

Bayba Financial Services Ltd. be ke sababu ye moni jeewo baara ka nankoo ye Ganbiya kono. A ka baara laada, a ka netiwo ka nankoo ye, ni a ka daa la baara jeewo wuloo ni moni jango dondon la ka nankoo ye, be ke sababu ye a ye kafola belebele ye Ganbiya moni jeewo labaara jiko kankoto.