Bloom Bank

Bloom Bank Africa Gambia Limited: Li Tax Taxaw ak Lu Mu Jëm Ci

Bloom Bank Africa Gambia Limited, moom lañu jëkk a sos ci 4 suwe 2008 ak turu Skye Bank Gambia Limited. Ci 2018, Oakwood Green Africa, ak seen kàttan ci Oakwood Africa Investments Limited, Mauritius, jëlal na bank bi. Loolu nag moo tax ci 2020, bank bi wutal tur bu bees, di Bloom Bank Africa Gambia Limited, mu génn ci tur bi mu yor leegi. Bank bi dafa nekk ci suufu Oakwood Africa Investments Limited, kàttan bu xaalis bu nekk ci Mauritius ci 2019.

Moom ci boppam, Oakwood Africa Investments dafa bokk ci Oakwood Green Africa Group, bu Gabriel Edgal di jiite, moom tamit di seen CEO Group. Bloom Bank Gambia am na kàttan bu am solo ci seen jiite ak seen liggéeykat yu am xam-xam. Seen ndëkkoon ak seen diggante ak Oakwood Green Africa, dafa tax Bloom Bank am kàttan bu bees ngir duggal xaalis ci réew mi ak ci Senegambie, ci liggéeyu bank bu moderne.

Misiyoŋu Bloom Bank, “We make it happen” (Ñoo koy def), dafa jàpp ci nit ñi ak seen njàngale ci ndoli. Dañuy jàpp ci duggal xaalis ngir taxawal liggéey yi ak defar yoon yu digitale ngir duggal xaalis ci mbooleem nit ñi ak defar njaay mi ci Afrig. Li tax taxawaay bi dafa am solo, ndax dafa wone ni bank bi bëgg na nekk kàttan bu am solo ci liggéeyu xaalis ci Gambia, di jàppale jëmm yi, ndefar bu ndaw ak yu mag ci seen yitte yu xaalis.

Leen yi Ak Jëmm yi Bloom Bank Di Maye

Bloom Bank Africa Gambia dafa maye ay leen yu bare yu bokk ak yitte yu nit ñi, ndefar bu ndaw (SME) ak kompanyi yu mag. Ci lu ëpp, ñu ngi wax ci li war, ndax njégg yi ak liñuy maye yu xéyul ci seen kàttan ci mbooleem nit ñi. Ñi ngi fi jàngale yeneen leen yi ak jëmm yi ñuy maye:

Leenum Jëmm (Individual/Personal Loans)

• Leen yu gàtt, yu digg ak yu guddu, ngir nit ñi di liggéey ak salaar, ak nit ñi mucc.
• Jamono ju mu war a fey: Giñees na ne sax ba 60 weer (ñu war koo seetal bu baax).
• Njéggum Xaalis: Liñuy wax dafa ñoo wax ni njégg yi dinañu bokk ci li waral xaalis bu bank bi di jël (Base Rate) ak li bank bi di maye leen yu jëkk yi (Prime Lending Rate) ak lu mu ci dolli. Lii tamit dafa am lu gën a am solo ci ay gëstu yu dul nekk ci seen kàttan.

Leenum Ndefar bu Ndaw ak Jëmm yi (SME and Business Loans)

• Leen yu guddu yuñuy fey ci 3 ba 5 at, ak xam-xam ci naka lañuy waxtaane ak liñuy saaral.
• Njéggum Xaalis: Njégg yi dinañu sosoo ci ni la liggéey bi di doxee (credit risk) ak njéggum xaalis bu bank bi di jël.
• Garantiy: Dinañu jël alal yu liggéey bi am, garantiy yu kompanyi bi am, ak xaalis bu nit ñi dugg ci liggéey bi.

Leenum Kër (Mortgage/Home Loans)

• Jamono ju mu war a fey: Giñees na ne sax ba 20 at (ñu war koo seetal bu baax).
• Garantiy: Dafa war a am suuf walla kër guñuy jëlal garantiy.

Leenum Oto (Car Loans)

• Jamono ju mu war a fey: Giñees na ne sax ba 1 ba 5 at.
• Garantiy: Oto bi nga jënd moo nekk garantiy bi.

Njégg yi ak Liñuy Wax (Fees & Charges)

Bank bi dafa am ay njégg yu bare yuñuy jël ci leen yi. Lii tamit dafa am lu gën a am solo ci ay gëstu yu dul nekk ci seen kàttan:

• Njéggum Jëlal/Liggéey: Giñees na ne 1 ba 2% ci li leen bi am.
• Feyu Njaloor: 1.5% ci weer ci xaalis buñu feyul ci jamono ju war.
• Njéggum Jotal ak Yoon: Borrower bi (ki jël leen bi) moo war a fey loolu.

Mbooleem leen yi, lu muy doon rekk, dañuy jël ci ñoom ay njégg yu jëlal, jotal ak yoon. Lu dul leen yi ñuy jël ci salaar, guarantiy (alal bu dox walla bu dul dox) dafa war a am ci mbooleem leen yi.

Naka Nga Sàkkoo Leen Ak Li War

Sàkkoo leen ci Bloom Bank dafa yomb te am yoon yu bare, ngir nit ñi am kàttan ci am xaalis bu yomb.

Yoonu Sàkkoo Leen (Application Channels)

• App Mobile: Yappli bu Bloom Digital (dispo ci iOS ak Android) ngir sàkkoo leen ci yoon bu yomb.
• Web Portal: Seen website moo lay maye nga sàkkoo leen ci internet.
• Buŋgi Bank yi: Buŋgi bi gën a mag nekk ci 70 Kairaba Avenue, Fajara, Serrekunda, ak yeneen buŋgi ci Banjul ak ci dëkk yu am solo.

Li War ak Naka Nga Duggal Sa Kàttan (Onboarding & KYC)

• ID Digitale: War nga duggal sa ID (Kàrt identite bu Gambia walla Pàsapoor) ci app bi walla ci buŋg bi.
• Wone Li Nga Ame: War nga wone sa payslip walla, ci ndefar bu ndaw, sa liggéey bi ñu seetal.
• Gëstu bu Yéex: Ñu ngi def gëstu bu yéex ci kompanyi yu mag ak leen yu xaalis yu mag.

Xàjjale Njóob ak Seetal (Credit Scoring & Underwriting)

Bloom Bank dafa am seen kàttan bu boppam buñuy xàjjalee njóob, bu ñu jàppee ci li war ci réew mi. Ci leen yu dul dox ci seen yoon, dinañuy def seetal ak seen komite xaalis dinañu nangu leen bi.

Naka Lañuy Joxe Xaalis Bi (Disbursement Methods)

Xaalis bi dinañu ko joxe ci yoon yu bare:

• Transfert bank ci bank yi fi nekk.
• Mobile money (QMoney, Africell Money).
• Walla xaalis bu boppam ci buŋgi bank yi.

Ñu ngi wax ni xaalis bi dina génn ci 48 waxtu suñu nangu liggéey bi.

Jëmm yi ci App Mobile bi (Bloom Digital)

App bi di Bloom Digital, dafa am ci Google Play (lu ëpp 1,000 installations) ak Apple App Store. Jëmm yu am solo yi mu am ñooy:

• Xool sa xaalis.
• Def transfert ci diggante bank yi.
• Jënd airtime.
• Fey faktir yi.
• Sàkkoo leen.
• Fey impost.
• Gére sa kàrt.

App bi am na 4.2 étoiles ci gën a bari, ak lu ëpp 1,000 téléchargements. Li tax app bi am solo ci bank bi, mooy dafa maye nit ñi ñu am kàttan ci seen xaalis ci mbooleem jamono, ci yoon bu yomb ak moderne.

Li Bloom Bank Nekkalee ci Marsee bi ak Li Mu War a Sant

Ngir nit ñi am xam-xam ci Bloom Bank Africa, dafa am solo ñu seetal seen taxawaay ci marsee bi, li ñu liggéey ak li ñu war a xam.

Li Mu War a Am ci Yoon (Regulatory Status)

Bloom Bank Africa Gambia dafa am seen laysàŋ ci Central Bank of The Gambia (CBG) ci banku njaay. Moom tamit dafa bokk ci Gambia Bankers Association. Bank bi dafa jàpp ci ay àtte yu am solo yu AML/CFT (Anti-Money Laundering/Combating the Financing of Terrorism) ak yi CBG wax. Dafa tamit bokk ci Pan-African Payment and Settlement System (PAPSS) ngir liggéeyu njaay mi ci diggante Afrig. Ba leegi, CBG waxul am na ay njaloor yu mag yuñu ci jël.

Li Mu Dox ci Marsee bi (Competitive Landscape)

Bloom Bank dafa taxaw ci marsee bu am compétisiyon ci Gambia. Giñees na ni bank bi am na 7% ba 8% ci marsee bi, ci yeneen bank yu mag yi fi nekk. Li gën a tax Bloom Bank gën a jël yittewoo, mooy seen taxawaay bu digitale ak seen diggante ak ay partner yu Pan-Afrig.

• Trust Bank: ~18% ci marsee bi, am buŋgi yu bare.
• Ecobank Gambia: ~22% ci marsee bi, am volume bu mag ci xaalis buñuy yabal.
• Sierra Leone Commercial Bank: ~6% ci marsee bi, jàpp ci leen yu ndefar bu ndaw.

Deposits yu nit ñi duggal ci bank bi dund nañu ci 12% ci at bu nekk (2022-2024), ak leen yi dund ci 15% ci at bu nekk (2022-2024) (lii dafa am lu gën a am solo ci ay gëstu yu dul nekk ci seen kàttan). Loolu dafa wone ni Bloom Bank dafa gën a dox ci marsee bi.

Xam-Xamu Klient yi Ak Ligéey (Customer Experience)

Ci Google Play, app bi am na 4.2 étoiles, nit ñi di gërëm ni transfert yi dafa yomb ak naka lañuy sàkkoo leen. Ay ñakk yuy génn ñooy ñakk yuy dugg ci app bi ak ligéey bu ndank ci buŋgi bank yi. Ci App Store, app bi am na 4.0 étoiles, ak ñi wax ni app bi gën na a dox bu baax ci version 2.1.3.

Bloom Bank am na sentar dëppo ak klient yi 24/7 (+220 703 6286, [email protected]) ak chatbots ci seen website ngir tontu ci yoon. Jàngale bi dafa wone ni Bloom Bank dafa jàpp ci maye jëmm bu baax ci seen klient yi, ak sàkkoo ligéey bu digitale bu baax.

Ngeen War a Def Bu Ngeen Bëggee Jël Leen (Practical Advice for Potential Borrowers)

Bu ngeen bëggee jël leen ci Bloom Bank walla ci weneen bank, dafa am solo ngeen def ay gëstu yu baax te xam li ngeen di dugg. Lii ñooy ay xàmboŋ yu am solo:

• Jàngal Bu Baax Li War: Jàngal bu baax mbooleem sàart yi ak li bank bi di wax ci leen bi. Xam njéggum xaalis bi, njégg yi ak jamono ju mu war a fey.
• Xam Sa Kàttanu Fey: Ngeen war a xam bu baax seen kàttanu fey leen bi ci weer walla ci at. Bul jël leen bu ëpp li nga mën a fey.
• Dëppo ak Yeneen Bank yi: Bu leen fatte dëppo Bloom Bank ak yeneen bank yi ci Gambia. Naka la seen njégg yi ak seen sàart yi di bokk ak yeneen bank yi?
• Jëfëndal Yoonu Digitale yi: App bi ak seen portal web dina la maye nga sàkkoo leen te topatoo sa xaalis ci yoon bu yomb. Jëfëndal loolu bu baax.
• Laaj Bu Ngeen Amul Xam-Xam: Bu ngeen amul xam-xam ci benn ci li war, bu leen ragal a laaj ci sentaru dëppo ak klient yi walla ci buŋgi bank yi.

Ak seen taxawaay bu digitale ak seen misiyoŋ ci duggal xaalis ci mbooleem nit ñi, Bloom Bank Africa Gambia Limited dafa nekk kàttan bu am solo ci liggéeyu bank ci réew mi. Liñuy maye ak liñuy doxal, dina tax nit ñi ak ndefar bu ndaw am kàttan ci seen yitte yu xaalis ci jamono ju yomb.