MegaBank Gambia

Ndajem Bank MegaBank Gambia ak Li mu Jëkk a Def ci Gambia

MegaBank (Gambia) Limited, bank bu am ndigal ci Gambia, bank la bu ligéey ci Gambie, te Central Bank of The Gambia (CBG) moo koy toppatoo. Bank bi mi ngi am seen diggante ligéeyukaay bu mag ci 94 Kairaba Avenue, Serrekunda. Am na ndigal bu mat seuk ngir ligéey ci Gambia, te loolu am na ci limu bank yi Central Bank of The Gambia jox ndigal.

Nataalu bank bi mi ngi jëkk a tàmbalee bu yàgg, te dafa am ay wécciw tur ak wécciw borom. Ci jëkk, Bank PHB Gambia la tuddoon, bokk ci kër gi ñuy wax Nigerian Bank PHB Group. Bi yenn jafe-jafe yi feeñee ci kilifay bank bi ci Nigeria, bank bi dafa wécciw tur tuddu Keystone Bank (Gambia) Limited ci atum 2013. Bi loolu amee, ci weeru May atum 2014, Central Bank of The Gambia dafa dugg ci bank bi, teg ci loxo, ndax jafe-jafe ci xaalis. Ginnaaw loolu, bank bi defaraat nañu ko, te wécciw turat ko MegaBank (Gambia) Limited ci atum 2020.

Ci atum 2024, KM Holdings, kër gi bokk ci Congo, moo bokk MegaBank Gambia 100%. Ño jënd bank bi ci US$15.25 million ci ab ligeey bu Central Bank of The Gambia defoon ngir jaay bank bi. Lii moo mujj ci boroom-nguur gi, ginnaaw at yu bari yu nguur gi doon teg loxo ci bank bi ngir defaraat ko. MegaBank dafa jël boppam bank bu mat seuk, di joxe ligeeyu bank bu wóor te yomb ci nit ñépp, ndaam yu néew ak yu digg-dagg, ak bank yu mag ci Gambia. Seen yéene mooy "Àndandoo, ak mbëggeel, ñu joxe ndam yu gëna baax ci sunuy mbokk, di sos yeneen tolluwaayu ligeey." Seen yéene yu mag mooy "Nekk bank bu mat seuk ci Afrig."

Kilifay bank bi ci jamono jii ñu nekk, ñoo ngi ci: Kilifa gu Mag/CEO: Tresor Wa Beya Bongombe. Ñi bokk ci bànk bi ñoo ngi ci: Kashama Muteba Kami (Diiraas bu amul ligeey), Frederic Pululu (Diiraas bu boppam), Mamour Malick Jagne.

Crédit yi ak Aju yi MegaBank Gambia Di Joxe

MegaBank dafa am ay crédit yu bari, yu dëppoo ak njariñu jigeen, góor, ak ndaam yu néew. Lii bank bi di joxe:

• Crédit njaboot: Crédit yu yomb, yu am diggante bi mu war a fayee ci 0 ba 24 weer, ngir jënde néegu, njàng, ak yeneen soxla ci njaboot gi.
• Overdraft njaboot: Xaalis bu néew, bu la bank bi joxe ngir say soxla yu gaaw. Lii dafa jokkoo ak sa compte salaire.
• Salaire avance (SALAD): Dafa la may xaalis bu tollook 50% ci sa salaire weer, ngir say soxla yu gaaw yu amul diggante bu yàgg.
• Easy Life Crédit: Crédit yi ñu defar ngir jënde lu néew ci kër gi, auto, ak yeneen lu njaboot gi soxla.
• Crédit Import: Ngir dimbali ñi di indi marsandiis ci réew mi.
• Crédit Export: Ngir dimbali ñi di génne marsandiis ci réew mi.
• Overdraft yu gaaw: Xaalis bu néew bu la bank bi joxe ngir say soxla yu gaaw (0 ba 30 weer).

Xaalis bi ñuy Joxe ak Taux yi

Bank bi dafa joxe xaalis bu génn ci GMD 5,000 ba GMD 200,000. Ngir am crédit njaboot, sa salaire weer wara génn ci GMD 1,200. Taux bi bank bi di jël ci crédit njaboot ak overdraft yi, fixed rate la, di 22% ci at mi. Ci Gambia, taux bi bank yi di jël ci crédit yi dafa toll ci digg-dagg 20.75% ci atum 2023. Central Bank bi dafa teg taux bi ci 17% ci atum 2024 ak 2025.

Sàart yi ak Li La Laaj Ngir Am Crédit

• Àgg gi: Wara am diggante 21 ba 60 at.
• Diggante bi mu war a fayee: Gëna yàgg ci 24 weer ci crédit njaboot.
• Tolloojaayu xaalis bi nga wara fay ci sa am-am: Wara gëna néew ci 50% ci sa am-am weer.
• Sa salaire nekk fa: Sa salaire weer wara nekk ci MegaBank.
• Joxe ndigal bi: Ci 24-48 waxtu rek lañuy joxe ndigal bi.

Ci garanti yi, MegaBank dafa topp sàart yi ñu def ci Gambia, muy teg lu am bopp ak lu amul bopp. Central Bank of The Gambia am na ab Rejistar buñuy wax Collateral Registry System, fa lañuy bind lu am bopp (auto, masin, séw, xar, ak garab) bu ñu teg garanti. Bank yi ci Gambia dañuy laaj garanti yu bari, yenn saay ay néeg yi, bu ko defee, jafe na ci ñi amul lu ñuy teg.

Li La Laaj Ngir Demande Crédit ak Nées Ligéeyee Néewu Bank bi

Ñi bëgg a am ligeeyu bank ci MegaBank mën nañu demande ci ay yoon yu bari:

• Néewu Bank bi: Am na ci telefon iOS ak Android.
• Kër bank yi: Am na 6 kër bank yu séddaliku ci dëkk yu mag yi.
• Website: Online platform ci megabankgambia.gm.
• USSD: Ligeeyu bank yu néew yu mën a am ci telefon yu néew.

Li Néewu Bank bi Mën a Def

Néewu MegaBank Gambia bi dafa am ay ligeey yu bari, yu dijital, yu am solo:

• Mën nga dugg ci sa compte ak say bàre-bàre (biometric login).
• Mën nga transferer xaalis ci bank yi ci saasu.
• Mën nga fay say facture yu bari.
• Mën nga jënde crédit telefon.
• Mën nga xool sa mini-relevé compte.
• Mën nga laaj chéquier.
• Mën nga gis fi ATM ak kër bank yi nekk.

Néewu bank bi dafa ligéey ci iOS 15.0+ ak Android. Taille bi mu am mooy 52.6 MB. Version bi ci jamono jii mooy 2.0.8, te ñu defaraat nañu ko ngir dëgëral ligeeyam.

Fi Bank bi Neekke ak Ligeeyam

MegaBank dafa am ay kër bank ci yenn dëkk yu mag yi:

• Kër bank yi: Kairaba (Head Office), Banjul, Bakau, Kanifing, Serekunda.
• Outlets: Sinchu.
• ATM yi: Banjul, Bakau, Serekunda.

Bank bi dafa ligéey ci Àllaada ba Jimma ci 08:00 ba 16:00, ak ci Gaana ci 08:00 ba 13:00.

Ligeeyu Dijital bi ak Teknolooji bi

Bank bi dafa ligéeyandoo ak ligeeyu xaalis ci telefon (mobile money), di ligéeyandoo ak Afrimoney (Africell) ak QMoney (QCell). Loolu dafa dimbali mbokk yi ngir mën a transferer xaalis ci seen compte bank ak seen mobile wallet yu yomb.

Régulation bi, Nataalu Mbooloo bi, ak Jënd ak Jaay ci Bank bi

Ndigal ak Toppatoo bi

MegaBank dafa ligéey ak ndigal bu mat seuk bu Central Bank of The Gambia joxe. Bank bi dafa topp sàart yu bari ci Banking Act ak Central Bank of The Gambia. Bank bi dafa ligéey bu baax te amul benn jafe-jafe ak kilifa yi. Ginnaaw bi Central Bank bi dugg ci bank bi (2014-2020), bank bi dafa dellu ci ligeeyam bu normal.

Yewwu yi Ngir Aar Mbokk yi

Ligeeyu bank ci Gambia dafa am ay yewwu yu dëgër, bokk na ci:

• Xaalisu bank bi wara génn ci GMD 500 million ci atum 2027.
• Jéma xool bank bi nu mu dëgër ci jafe-jafe yi.
• Yewwu yi ngir aar mbokk yi ci toppatoo bu Central Bank bi.

Nataalu Bank bi ci Mbooloo bi ak Ñi mu Waar a Daaneel

Ligeeyu bank ci Gambia dafa am bank yu néew yu am kàttan, ñent bank yu mag (Trust Bank, Ecobank, Guaranty Trust Bank, ak Access Bank) ñoo am 69-74% ci xaalis bi. Ci Gambia, am na 12 bank yu am ndigal. Ñi MegaBank di waar a daaneel ñoo ngi ci:

• Trust Bank Gambia: Ci bank yu mag yi.
• Ecobank Gambia: Bank bu mag ci gox bi.
• Access Bank Gambia: Ño jënd Standard Chartered, te nekk ci bank yu mag yi.
• Guaranty Trust Bank (GTBank).
• Vista Bank, First Bank, Zenith Bank.

MegaBank dafa nekk bank bu néew ci mbooloo bi, te mën na nekk ci ginaaw ñent bank yu mag yi. Seen xaalis bi ñuy joxe, muy GMD 5,000-200,000, dafa wone ne, ñoo ngi gëna ligéeyal njaboot yi ak ndaam yu néew.

Li Mbokk yi Wax ak Ligeeyu Bank bi

Amul lu bari ci li mbokk yi wax ci néewu bank bi, am na rek benn "5 stars" ci Apple App Store. Li mbokk yi wax mooy néewu bank bi dafa yomb a ligéeyal, te li mu mën a def dafa baax.

Ligeeyu Mbokk yi ak Support bi

• Ligeeyu mbokk yi: Mën nga leen wax ci WhatsApp.
• Telefon: +220 202 2254.
• Email: [email protected].
• Kër bank yi: Am na juroom-benn kër bank yu mën a jëflante ak mbokk yi.

Bank bi dafa wax ne, ñoo ngi joxe "ligeeyu bank ci telefon bu bees", ak li mu mën a def, niki dugg ak say bàre-bàre, transferer xaalis ci saasu, ak fay facture yu bari. Ligeeyandoo ak ligeeyu xaalis ci telefon dafa gëna yombël ligeey bi ci ñi amul compte bank bu wóor.

Li Bank bi Am ci Xaalis ak Li mu Def

MegaBank dafa am diggante 51 ba 200 nit ci ligeeyam, ak am-am bu génn ci US$10-25 million ci at mi. Bank bi dafa nekk bank bu digg-dagg ci ligeeyu bank ci Gambia. Crédit yi ñuy joxe, muy GMD 5,000 ba GMD 200,000, dafa wone ne, ñoo ngi gëna ligéeyal njaboot yi ak ndaam yu néew. Joxe ndigal bi ci 24-48 waxtu dafa wone ne, ligeey bi dafa gaaw.

Jaay gi ñu jaay MegaBank ci US$15.25 million ci atum 2024 dafa wone ne, bank bi dafa wóoruwaat ginnaaw jafe-jafe yi mu amoon. Loolu dafa jël boroom-nguur gi, te teg bank bi ci yoon ngir gëna mag ak borom yu bees.

Ay Ndogal yu Am Solo ngir Ñi Bëgg a Am Crédit ci MegaBank Gambia

Ngir ñi bëgg a am crédit ci MegaBank Gambia, am na ay ndogal yu am solo yu ñu wara topp:

• Xoolal sa ligéey ak li la laaj: Wara xam bu baax li la bank bi laaj ngir mën a am crédit. Xoolal sa àgg gi, sa salaire, ak diggante bi mu war a fayee.
• Xamal taux yi ak frais yi: Wara xam bu baax taux bi bank bi di jël ci crédit bi ak yeneen frais yi am. MegaBank dafa am 22% ci crédit njaboot ak overdraft yi.
• Bu la xaalis bi wóorul, bu ko jël: Moytul a jël xaalis bu la bank bi jox bu la wóorul ne mën nga ko fay. Crédit bi dafa am diggante bi mu war a fayee, te wara fay ci weer wu nekk.
• Ligéeyal néewu bank bi bu baax: Néewu MegaBank bi dafa yomb a ligéeyal, te am ay ligeey yu bari. Ligéeyal ko bu baax ngir jël xaalis, fay facture, ak yeneen ligeey.
• Xoolal yeneen bank yi: Bu la xaalis bi taxee, xoolal yeneen bank yi ci Gambia ngir xam ndax am na bank bu la mën a jox crédit bu gëna baax.
• Sa salaire wara nekk fa: Ngir am crédit njaboot ci MegaBank, sa salaire weer wara nekk ci seen bank. Loolu mooy sàart bu am solo.
• Moytul a jël xaalis bu bari: Yéeneel a jël xaalis bu la bank bi jox bu dëppoo ak sa am-am. Moytul a jël xaalis bu bari bu la mën a duggal ci jafe-jafe ci fay yi.

Ligeeyandoo ak MegaBank Gambia mën na la dimbali ci say soxla ci xaalis, surtout bu la crédit bi taxee. Waaye, wara xam bu baax sàart yi, ak taux yi, ak nu ñu ligéeyee, ngir mën a am ndam ci ligeey bi.