Yonna Islamic Microfinance Ltd: Ndàmbarewu Njumtéef ak Jaar-jaaram ci Gàmbi
Yonna Islamic Microfinance Ltd (Yonna IMF) mooy njumtéef bu njëkk te matale ci Gàmbi, bu ànd ak Cosanu Sariya, di joxe ay servis finanser yu yele te ànd ak ay cosaanu Lislaam. Liggeeyam mooy fexe ba yokku alal bu am yépp te liggeeyal dundug nit ñi.
Yoonu Sos ak Ngënéel bu Àtte
Yonna Islamic Microfinance Ltd dafa sosu te jot ceeram ci Central Bank of The Gambia ci àtte bu Non-Bank Financial Institutions Act of 2016, ci 12 Awril 2021. Barabam bu ñu bind ba am mooy Tippa Garage, Bakoteh, ci diiwanu Kanifing Municipal District, ci Gàmbi. Li tax mu wute mooy nekk njeex bu tuuti bu Lislaam bu njëkk ci réew mi, loolu tax mu am barab bu am solo ci liggeey bi.
Jaar-jaaru Sos ak Boroom ak Noppi
Njumtéef mi sosu na ci Awril 2021 te mooy seen bopp, bokk ci Yonna Group, benn mbooloo yu liggeey ci alal ci Gàmbi. Yonna Group am na tamit Yonna Forex Bureau ak Yonna Insurance, loolu jox Yonna IMF doole ak xam-xam bu yaatu ci mbooleem mbiri alal. Li Yonna IMF di def mooy liggeey ci njëf-njëf bu aju ci alal ak séddale alal (Mudaraba ak Murabaha), ngir bañ Riba (mbiru bopp-ci-bopp). Ligeey bi dafa jublu ci jox alal ak àtte yu aju ci alal ñi liggeey liggeey yu tuuti, mbooloo yu jigéen ñi, mbooloo yu yéwén ñi, ak njumtéef yu ndaw yi.
Ñi Ñu Jabbu ak Ñi Ñu Liggeeyal
Ñi Yonna IMF di liggeeyal ak di jox alal ñooy:
- Jigéen ñi liggeey ci mbirum mbay.
- Mbooloo yu yéwén yi sos seen bopp ak njumtéef yu ndaw yi.
- Ñi di liggeey ci marse ak ñi di joxe servis.
Ñi Sey ci Yonna IMF
Koom yi jiitu ci Yonna IMF ñooy:
- Yankuba Mamburay: Boroom liggeey bi (Managing Director).
- Alhagie Muhammed Suwanneh: Boroom bu njëkk bi sos Yonna Foreign Bureau (di xool Cosanu Sariya).
- Lamin Camara: Koom bu Cosanu Sariya ak Wëram.
- Abdou O. Camara: Koom bu Servisu Jëfandikukat ak Yokkug Liggeey.
Ay Njëx ak Servis yi Yonna IMF di Joxe
Yonna IMF dafa am ay njëx ak servis yu bari, bokk na ci njëxal alal, kontu njubbal, ak kontu njëx.
Kategoriy Servis yi
- Njëxal Alal (Ay Njëx):
- Murabaha Njëxal Alal (Asset Financing)
- Mudaraba Njëxal Alal ju Njëf (Working Capital Financing)
- Kontu Njubbal (Savings Accounts):
- Maborro (kontu njubbal bu sax)
- Kontu Njubbalu Gone
- Xaalis bu Hajj ak Umrah
- Kontu Njëf (Current Accounts):
- Safaro (bu liggeey ak njumtéef)
- Kontu Njëx (Investment Accounts):
- Kontu Njëx bu Mudaraba bu Terewu
- Kontu Njëx bu Mudaraba bu Terewul
Ñawale ci Ay Njëx
Xibaar yi aju ci njëx, diggu alal, diggu fay, ak pay yu Yonna IMF, bariwul ci yéwén. Ñawale yu am fi ci suuf ñooy aju ci cosaanu liggeey bi te war nañoo wóorul ci Yonna IMF bala ñuy sos seen bopp.
- Njëx yi:
- Gën na tuuti: GMD 5,000 (mu doon ci GMD 90 ci USD)
- Gën na bari: GMD 1,000,000 (mu doon ci GMD 18,000 ci USD)
- Diggu Alal (Bu ànd ak Cosanu Sariya):
- Diggu alal gi dafa nekk ci diggante 10% ak 20% ci at mi, loolu dafa aju ci njeex mi ak ci jëfandikukat bi. War nañoo wóorul ci seen boroom bi ngir xam diggu alal bu wóor.
- Diggu Njëx ak Fay:
- Bu gàtt: 3-12 weer
- Bu digg-dagg: 12-36 weer
- Pay yi:
- Payu sos njeex: 1%-3% ci njeex mi (loolu dafa war a wóorul)
- Mbasu noonu ci njukki njukk: 2% ci weer wi ci xaalis bu noonu (loolu dafa war a wóorul).
- Gabal ak Ay Aaji:
- Ngënéel yi aju ci gabal dafa wute ci njeex mi. Njëxal alal yi mën nañu la laaj gabal ci alal ji la ñu njeexal. Njëx yu mbooloo yi dafa aju ci aaji gu mbooloo gi. Ñi di sos seen bopp mën nañu leen laaj aaji gu kenn keneen wala àtte yu aju ci alal.
Ñawale ak Ngënéel yi Aju ci Sos Ak Jëfandikoo
Sos sa bopp ci Yonna IMF dafa yomb te dafa ànd ak Cosanu Sariya. Dañoo bëgg jox jëfandikukat yi li leen neex te wóor.
Jaar-jaaru Sos ak Xam Jëfandikukat (KYC)
Mën nga sos sa bopp ci seen kër liggeey bi, ci seen porogaraam bu telefon (Yonna Wallet app), wala ci seen website. Ngënéel yi aju ci Xam Jëfandikukat ñooy:
- Karta idantite walla pasaapor bu réew mi.
- Wóorul ne fi nga dëkk.
- Siiñalug liggeey (su amee).
- Ñaari aaji yu yées lañuy laaj.
Nattal Njekk ak Joxe Alal
Yonna IMF dafa natt njekk mi ci anam bu Lislaam bu aju ci baaxug liggeey bi ak ci li liggeey bi mën a joxe xaalis. Dañuy jëfandikoo tamit jaar-jaaru aaji gu mbooloo ngir wàññi jafe-jafe yi. Joxe alal gi dafa am ay anam yu wute:
- Wut xaalis ci bank ci kontu bank bu Gàmbi.
- Xaalis bu telefon: Yonna Wallet ak ñi ñuy liggeeyal (QMoney, M-Paisa).
- Jël xaalis ci kër liggeey bi.
Ndaajale ak Faj
Dañuy faral di ndaajale xaalis bi ci anam bu yele te wóor, ci ànd ak àttey jëfandikukat yi ak Cosanu Sariya. Jaar-jaaru ndaajale bi bokk na ci ay xibaar ci telefon, topp ci kër liggeey bi, ak xibaar ci mbooloo yi.
Teknolooji ak Bari-bari
Yonna IMF dafa faral di jëfandikoo teknolooji ngir yokk seen servis ak liggeey. Seen porogaraam bu telefon, Yonna Wallet App (iOS ak Android), dafa tax jëfandikukat yi mën a ubb kontu, sos njëx ci telefon, wut xaalis, ak fay ay faktir. Bariwul ay nattal yu yéwén yu aju ci porogaraam bi ci seen barab yi ñuy jëfandikoo. Seen website (www.yonnaforexbureau.com/about/YIMF) dafa am ay xibaar ci seen njeex ak barab yi seen kër liggeey yi nekk.
Yonna IMF am na fukki kër liggeey ak ñaar ci diiwaan yépp ci Gàmbi, bokk na ci Farafenni, Wassu, Basse, ak dëkk yu mag yi (Serrekunda, Banjul). Dañuy faral di yokk seeni kër liggeey ci barab yu gën a sori ngir jox servis 81% ci nit ñi amul kontu bank.
Jëfandikukat yi ak Ñi Liggeey
Ci digg-gandayu atum 2023, Yonna IMF am na lu ëpp 1,000 jëfandikukat yu sax, rawati na jigéen ñi liggeey ci mbay. Mbooloo mi Yonna Group am na lu ëpp 400 nit ñu liggeey ci mbooleem seen njumtéef yi.
Àtte, Xeex ak Ñi Ñuy Xeexal, ak Xelal yi Aju
Njumtéef mi dafa wëram ci àttey Central Bank of The Gambia te dafa am ceeram bu wóor ba Awril 2025.
Ceer ak Àtte
Yonna IMF dafa am ceeram niki Non-Bank Financial Institution ci Central Bank of The Gambia. Dañuy topp àttey bank bi yi aju ci njeex bu tuuti, bokk na ci xaalis bu war a am, xaalis bu war a nekk, ak jaar-jaaru wëral jëfandikukat yi. Amul ay xibaar yu yéwén yu aju ci seen ay jafe-jafe ak àtte yi leen bank bi jox. Dañuy topp xelal yi bank bi joxe ci pay yu wóor, xeex ak wut xaalis ci yoon bu baaxul (AML), ak jaar-jaaru xool Cosanu Sariya.
Barabam ci Marse ak Ñi Ñuy Xeexal
Yonna IMF mooy njeex bu tuuti bu Lislaam bu gën a mag ci Gàmbi, ci diggante njeex yu tuuti yu seen bopp (naka APS Islamic, Kolomoni MFI) ak bank yu mag yi joxe ay njeex yu tuuti. Li tax mu wute mooy li muy topp Cosanu Sariya, njeexal gi muy def ci liggeey bu mbay, ak jaar-jaaru wëral jëfandikukat yi ci anam bu yele.
Gis-gisu Jëfandikukat yi
Amul ay nattal yu yéwén ci seen porogaraam bu telefon, waaye am na ay xalaat yu baax ci mbedd mi ci li ñuy joxe servis bu gaaw te ànd ak Cosanu Sariya. Am na ay xibaar yu tuuti ci noonu ci jaar-jaaru sos, waaye loolu dafa war a wóorul. Servisu jëfandikukat yi dafa am anam yu bari (ci kër liggeey bi, ci telefon, ci WhatsApp) te dañuy liggeey ak nit ñi ci anam bu tedd.
Jaar-jaaru Alal
Amul ay xibaar yu yéwén ci seen alal ak seen diggu alal. Waye, Yonna IMF dafa faral di jëfandikoo xaalis bi mu am ngir yokk seeni kër liggeey. Dañuy faral di am seen xaalis ci Yonna Group ak ci seen bopp, te dañuy xool ay may yu ñi di joxe ngir yokk alal bu am yépp. Li ñuy liggeeyal ci njeex yu baaxul (NPL) dafa war a nekk ci suufu 5%, ci li ñuy jëfandikoo aaji gu mbooloo ak xoolu liggeey bi. Dañuy wàññi jafe-jafe yi ci li ñuy njeexal ci mbay, seen Cosanu Sariya bu wóor, ak jaar-jaaru faj bu yele.
Xelal yi Aju ci Ñi Bëgg Sos seen Bopp
Niki benn kàttan ci alal, Yonna Islamic Microfinance Ltd dafa nekk benn njumtéef bu am solo ci Gàmbi, rawati na ci ñi bëgg liggeey ci anam bu Lislaam. Mën na joxe ay njëx yu aju ci li nit ñi bëgg, ak ay servis yu bari.
- Wóorul Xibaar yi: Niki ni mu nekk ci xibaar yi, am na ay ñawale ci diggu alal ak pay yi war a wóorul ci Yonna IMF bala nga sos sa bopp. Mën nga leen woo walla dem seen kër liggeey bi ngir am xibaar yu wóor.
- Xam Servis yi: Jàngal bu baax njeex yi Yonna IMF di joxe. Ndax Murabaha Njëxal Alal walla Mudaraba Njëxal Alal ju Njëf mooy li gën a aju ci li nga bëgg?
- Wóorul Ngënéel yi: Tegal sa yépp ngënéel yi ñuy laaj bala nga sos sa bopp. Loolu dina tax sos gi gën a gaaw.
- Jëfandikoo Porogaraam bi: Porogaraam bu Yonna Wallet mën na nekk bu am solo. Jëfandikoo ko ngir sos, wut xaalis, ak fay ay faktir.
- Xool Gabal ak Aaji yi: Xam baax gabal gi ñuy laaj ak ay aaji yi aju ci njeex mi nga bëgg.
- Jëfandikoo Servisu Jëfandikukat yi: Su amee lu la jaaxas, wootel walla dem ci seen kër liggeey bi. Dañoo bëgg joxe servis bu baax ci anam bu tedd.
Ci mbooleem, Yonna IMF dafa nekk benn njumtéef bu Lislaam bu am solo bu liggeey ci Gàmbi, di joxe ay servis finanser yu yele te ànd ak Cosanu Sariya. Su la neexee, mën nga leen toppal ba xam li ñuy liggeeyal ak li ñu mën a defal sa liggeey.
