Ci biir réew mi, ci Gambia, Kolomoni Microfinance Ltd dafa taxaw, di ab liggéeyukaay bu am solo ci jaféel xaaliss bu ndaw. Li mu jéllale ci liggéey bi ci anam bu bees te ci telefon la, dafa dimbali nit ñi ak jëmm yu ndaw yi, ba ñu mën a am xaaliss bu gaaw, bu muccu ak yombal. Nañu seetlu nu Kolomoni Microfinance Ltd di liggéeyee ci Gambia.
Beesu Kolomoni Microfinance Ltd ak Li Mu Taxaw ci Gambia
Kolomoni Microfinance Ltd mooy ab liggéeyukaay bu Banku Cëmb bu Gambi (CBG) liseŋs te saytoo ko. Barabam bu bëj-gànnaar mooy Oasis Complex, ci Bertil Harding Highway, Serrekunda, ci Gambia. Li mu taxaw, mooy indi ay jaféeluy xaaliss yu ndaw, sàmm ci telefon, ak payement, ak liggéeyu agent banking. Li mu bëgg a àttan, mooy dimbali ñi amul walla ñi amul xaaliss bu doy ci bank yi, bokk na ci ñi liggéey ci seen bopp ak jëmm yu ndaw yi, fu n'doon ci dëkk yi ak ci tuur yi ci Gambia.
Liggéeyukaay bi dafa yoré ay njiit yu am solo, ci Gambi Amiekoleh Senghore mooy njiitu kër gi. John Alamu mooy MD bu CapitalSage, ak Daniel Ale mooy CTO. Ariyo Osofuy mooy Njiitu Risk ak Contrôle Interne, loolu lépp dafa wone ni ñu dëgëral seen liggéey bi ak saytoo bi.
Jafeele ak Jëfeele yu Kolomoni Joxe
Kolomoni Microfinance Ltd dafa am ay jaféeluy xaaliss yu bare te wuute, yu ñu defar ngir àttan aajo yu bare. Ñooy jaféeluy xaaliss yu ndaw yu nit ñi am, ak yu jëmm yu ndaw yi. Li dafa bokk ci li ñuy joxe:
Ay Jaféeluy Xaaliss
- Jaféeluy Xaaliss bu Gaaw (Short-Term Loans): Ñoo ngi am diggante 30 ba 180 fan. Mën nga jël xaaliss bu àgg 500 ba 100 000 GMD. Riba bi mën a yégg ba 4% ci weer, loolu mooy di ci lu tollook 48% ba 60% ci at mi. Dafa dimbali ñi am aajo bu gaaw, walla ñi bëgg a genn ci wut xaaliss.
- Jaféeluy Xaalissug Jëmm (Business Loans): Ñi ngi am diggante 30 ba 180 fan. Mën nga jël xaaliss bu àgg 5 000 ba 100 000 GMD. Riba bi bokk na ak bu Xaaliss bu Gaaw, di 4% ci weer. Li dafa dimbali jëmm yu ndaw yi ci seen liggéey, ci wutal leen xaaliss bu ñu mën a jëfandikoo ci seeni liggéey, walla ci defar seeni instrument.
Ay Dépense ak Liy War a Am
- Dépense de Traitement: Moom mooy 4% ci xaaliss bi ñu la jox.
- Riba ci Bu Reetaar: Kolomoni dafa am ay yoon yu ñu defar ngir reetaar yi, te ñoo ngi dox ci diggante Banku Cëmb bu Gambi (CBG).
- Dépôt de Garantie: Dafa war a am ab dépense de garantie bu àgg 20% ba 30% ci xaaliss bi nga ñaan, te dana nekk ci seen loxo ba diggante bi jéex.
- Garantie: Ci jaféeluy xaaliss yu nit ñi am, mën nga am garantie ci seen group walla ci lu mat a ñakk. Ci jaféeluy xaalissug jëmm, mën nga joxe seen liggéey walla instrument yi ni garantie.
Ni Ñuy Jëfele ak Sen Téxnika
Kolomoni Microfinance Ltd dafa jëfandikoo téxnika bu bees ngir yombal liggéeyam ak ñi ko jëfandikoo. Li dafa bokk ci li ñuy def:
Yoonu Ñaan ak Jël Xaaliss
- Application Mobile: Am na ci iOS (war a am iOS 13+) ak Android (plus de 500 installations). Ci application bi, mën nga ubbële compte, ñaan xaaliss, fay facture, ak jëfandikoo QR code ngir fay.
- Website: Mën nga seetlu seen compte walla ñaan xaaliss ci seen site internet, kolomoniagambia.com.
- Barab ak Agent: Am na barab bu nekk ci Oasis Complex, ak lu tollu ci 20 agent points yu bees yu ñuy ubbële, ak lu tollu ci 50 000 agent yu bari ci biir réew mi.
Ñaan ak Saytoo Xaaliss
- Vérification d'identité: Ci application bi, mën nga génne sa carte d'identité ak sa photo selfie.
- Payement dépense de garantie: Mën nga fay dépense de garantie ci mobile money (Gamtel, QCell) walla ci transfert bancaire.
- Saytoo Xaaliss: Kolomoni dafa jëfandikoo ab système bu bees ngir saytoo xaaliss, bu basé ci seen liggéey ci internet ak seen diggante ak ay group. Ñi laay ñaan xaaliss bu am solo walla ñi bees, ñoo ngi leen di saytoo bu baax.
Jël Xaaliss bi
- Transfert Mobile Money: Mën nga jël sa xaaliss ci Gamtel walla QCell.
- Transfert Bancaire: Mën nga jël sa xaaliss ci sa bank.
- Jël Xaaliss ci Agent: Mën nga jël sa xaaliss ci kër gi ci ab agent bu Kolomoni.
Application Mobile ak Internet
Application bi ci telefon dafa am ay taxawaay yu bare, bokk na ci sàmm, ñaan xaaliss, fay facture, jënd airtime, ak QR payement. Li dafa yombal liggéey bi ak ñi ko jëfandikoo. Ci Google Play Store, application bi dafa am 3.7 étoiles, ci lu tollu ci 500+ avis. Sen site internet (kolomoniagambia.com) dafa am ay information yu bare ci seen liggéey, ak ay FAQ. Ñoo ngi am ci réseaux sociaux, bokk na ci Instagram (@kolomoni_gambia) ak LinkedIn.
Kolomoni dafa liggéey ci dëkk yi (Banjul, Serrekunda, Brikama) ak ci tuur yi, ak lu tollu ci 20 agent locations yu bees. Ci Afrique, lu tollu ci 70 000 clients yu nekk ci seen liggéey. Ci Gambia, seen liggéey dafa tàmbalee ci njëlbeenu 2025, te ñoo ngi àttan ñi am diggante 18 ba 45 at, bokk na ci jëmm yu ndaw yi ak ñi am liggéey.
Saytoo bi, Barabam ci Marsee bi, ak Xam-xamu Kliyaan yi
Kolomoni Microfinance Ltd dafa liggéey ci diggante Banku Cëmb bu Gambi (CBG), te ñoo ngi saytoo seen liggéey bu baax. Seen liseŋs dafa wone ni ñoo ngi dox ci yoonu CBG, ak seen agent network dafa am certification ci agent banking framework. Ñoo ngi dëggal seen liggéey ci KYC/AML ak ci Data Protection and Privacy Act bu Gambia.
Barabam ci Marsee bi ak Ñi ko Faral
Kolomoni mooy benn ci lu tollu ci 20+ liggéeyukaay yu am liseŋs ci Gambia. Li mu taxaw mooy liggéey ci jaféel xaaliss ci telefon, loolu dafa ko taxawal ci biir marsee bi. Ñi ko faral ñoo ngi ci APS Islamic Microfinance Ltd, Bayba Financial Services Ltd, ak Yonna Islamic Microfinance Ltd. Kolomoni dafa bëgg a yokk seen liggéey bi, ci yokk seen agent locations yi ci 100 ci jéexu 2026, ak indi ay sàmm ak ay investment products yu bees ci Q4 2025. Ñoo ngi am ay partenariat ak ay Telcos (Gamtel/QCell), ak ay Banks, ak ay liggéeyukaay yu International Remittance.
Xam-xamu Kliyaan yi
Ci Google Play, Kolomoni dafa am 3.7 étoiles, ci lu tollu ci 500+ avis. Kliyaan yi dafa bëgg seen liggéey bi ci anam bu gaaw ak bu yombal. Waaye, dafa am ay wax yu ñu gis ci reetaar yu ndaw ci jël xaaliss, ak seen limite de 100 000 GMD ci jaféel xaaliss bu ñi tàmbalee liggéey. Kolomoni dafa am support bu am solo, ci live chat ci application bi, ak agent support bu am diggante yu gudd (Samedi 9 a.m. – 1 p.m.).
Dafa am ab exemple bu am solo, mooy ab group bu jigéen ci Kanifing, ñoo ngi jël 50 000 GMD ngir tàmbalee ab liggéey ci tailor, te ñoo ngi yokk seen xaaliss ci ñaari weer.
Nataal ak Képp ku Bëgg Am Xaaliss ci Kolomoni
Képp ku bëgg a am xaaliss ci Kolomoni Microfinance Ltd, dafa war a xam ay nataal yu am solo ngir mu mën a jëfandikoo seen liggéey bi bu baax:
- Sayloo Riba ak Ay Dépense: Bu la neexee, sayloo riba bi ak ay dépense yu aju, ngir nga xam xaaliss bi nga war a fay. Kolomoni dafa wone seen riba bu wér ci seen application ak seen site internet.
- Xam Dépôt de Garantie ak Garantie: War nga xam ni dépense de garantie bi di liggéeyee, ak garantie bi nga war a joxe. Noonu dangay mucc ci lu am solo.
- Fay ci Diggante: War nga fay sa xaaliss ci diggante bi ñu la jox, ngir mucc ci riba ci reetaar ak ngir sa liggéey bi ak ñoom nekk bu baax.
- Jëfandikoo Application bi bu Baax: Application bi dafa yombal ay liggéey yu bare. Jëfandikoo ko bu baax ngir ñaan xaaliss, fay facture, ak seetlu sa liggéey.
- Contacter Service Clientèle: Bu amee lu la naqari walla lu la jaxaso, contacter seen service clientèle ci live chat walla ci agent yi.
- Sayloo ak Ñi ko Faral: Bu la neexee, mën nga sayloo Kolomoni ak ñi ko faral ci Gambia ngir xam képp ku la gënal.
Kolomoni Microfinance Ltd dafa taxaw ni ab liggéeyukaay bu am solo ci jaféel xaaliss bu ndaw ci Gambia, te seen liggéey ci telefon dafa dimbali ñi amul xaaliss bu doy ci bank yi. Bu la neexee, sayloo seen liggéey bi bu baax, te jëfandikoo ay ndigal yu am solo, ngir mucc ci lu la naqari.
