SPBD Microfinance Limited

SPBD Microfinance Limited: Fiji ke Mahilaon ke Liye Chhota Karz ke Mukhya Pradaan Karne Waala Sanstha

Fiji mein, jahan bahut se log banki sewain tak nahi pahunch paate hain, SPBD Microfinance Limited ek zaroori bhoomika nibhaata hai. November 2010 mein sthapit yeh sanstha, khaas karke kam aamdani waali aur pichhdi mahilaon ko aarthik roop se shaktishali banane ke liye kaam karta hai. SPBD ka mool uddeshya Fiji ke gaon aur sheher ke kinaare rehne waali mahila udyamiyon ko chhota karz (microfinance) aur vyapaar vikas ki sewain pradaan karna hai, jinhe aam taur par banko se karz nahi mil paata.

Yeh sanstha SPBD Microfinance Holdings (Singapore) Pte. Ltd. ka ek hissa hai, jiska antarik malikana haq SPBD Microfinance Holdings (Delaware) L.L.C., USA ke paas hai. Fiji mein yeh sabse bada chhota karz pradaan karne waala ban gaya hai, jiske 6,500 se zyada sakriya mahila grahak hain. Iska kul karz portfolio FJD 4.6 million aur bachak khaaton mein FJD 1.8 million jama hai, jo iski Fiji ki arthvyavastha mein mahatvapurna bhoomika ko darshata hai.

Sanstha ka Parichay aur Vyapaar ka Tareeka

• Kanooni Naam aur Panjikaran: SPBD Microfinance Limited (Fiji) Ltd. Fiji mein ek Non-Bank Financial Institution (NBFI) ke roop mein panjeekrit hai.
• Sthapana: November 2010 mein isne Fiji mein apna kaam shuru kiya.
• Malikana Haq: SPBD Microfinance Holdings (Singapore) Pte. Ltd. ki choti sanstha hai, jiske antarik niyatran Gregory F. Casagrande ke paas hai.
• Vyapaar Model aur Nishana Banaya Gaya Grahak: SPBD ek anokhe 'samuh-aadhaarit karz' tareeke par kaam karta hai. Ismein 10-20 mahilaon ke samuh banaye jaate hain jo ek dusre ke karz ke zimmedar hote hain. Yeh model un mahilaon ke liye hai jinke paas karz ke liye girvi rakhne ke liye kuchh nahi hota. Iske 99% grahak mahilaen hain, jismein se 80% gaon mein rehti hain aur 40% akele bachchon ko paalne waali maaen hain. Sabhi grahak ya toh berozgar hain ya asangathit kshetra mein kaam karte hain.
• Mukhya Adhikari: Fiji mein General Manager Mr. Elrico Munoz hain.

SPBD Dwara Pradaan Kiye Gaye Karz Utpaad aur Sewayein

SPBD Fiji kai tarah ke karz utpaad pradaan karta hai, jo sabhi bina girvi ke aur samuh ki zimmedari par aadhaarit hain. Iske saath hi, bachak khaata kholna bhi zaroori hota hai.

Mukhya Karz ke Prakaar:

• Chhota Vyapaar Karz (Micro-Enterprise Loan):
  • Karz ki Raashi: Aam taur par FJD 500 se FJD 1,800 tak prati chkkar.
  • Shartein: 50 hafte ka samay; hafte mein bhugtaan; 20% byaaj dar (add-on) saalana.
  • Shulk: Mul raashi ka 2.5% vikas shulk; naye sadasyon ke liye FJD 120 saalana sadasyata shulk.
  • Girvi: Koi girvi nahi; samuh ki zimmedari aur karz ki raashi ka ek-tihai hissa bachak khaate mein jama karna zaroori hai.
• Ghar Sudhaar Karz (Housing Improvement Credit):
  • Karz ki Raashi: FJD 2,000 tak.
  • Shartein aur Byaaj: Chhota vyapaar karz ke samaan (20% add-on, 50 hafte).
• Chhota aur Madhyam Vyapaar Karz (Small & Medium Enterprise - SME Loan):
  • Karz ki Raashi: FJD 5,000 se FJD 100,000 tak, Fiji Development Bank (FDB) ke saath saajhedari mein.
  • Byaaj: Mahila udyamiyon ke liye 12% saalana; ya SME Sustainability Package ke tahat 3.99%.
  • Samay: 3 se 5 saal.
  • Poonji ki Zaroorat: Karz raashi ka 10% se 35% tak apni poonji lagana zaroori hai.
• Ghar ke Saaman aur Solar Roshni Karz (White Goods & Solar Lighting Loans):
  • Karz ki Raashi: FJD 500 se FJD 2,000 tak.
  • Byaaj aur Samay: Samuh karz ke niyam ke anusaar (20% add-on, 50 hafte).
• Uchch Shiksha aur Videsh Mein Kaam Karne Waalon ke Liye Karz (Higher Education & Overseas Worker Loans):
  • Uddeshya: Shiksha shulk ya videsh jane ke kharche ke liye.
  • Karz ki Raashi: Aam taur par FJD 1,000 se FJD 3,000 tak.
  • Byaaj aur Shulk: Samuh karz ke niyam ke anusaar.

Bachak aur Bima Sewayein:

• Zaroori Bachak: Prati hafte FJD 2 jama karna zaroori hai, jo girvi ke roop mein bandha rehta hai.
• Maut ke Baad Laabh: Karz lene waali sadasya ki maut par FJD 100 aur unke pati ki maut par FJD 50 ka laabh milta hai.

Avedan Prakriya, Zarooratien aur Niyamak Stithi

SPBD ke saath karz ke liye aavedan karna ek vyavasthit prakriya hai, jo gaon ke star par shuru hoti hai.

Avedan Ka Tareeka:

• Vyaktigat Sampark: Viti Levu, Vanua Levu, Ovalau, Taveuni mein sthit 55 kendron ke maadhyam se.
• Gaon ki Baithkein: Kendriya prabandhak (center manager) sthaniya netaon ke saath shuruaati gaon ki baithkein aayojit karte hain.

Grahak Banaane ki Prakriya (KYC - Apne Grahak Ko Jaano) aur Shartein:

• Zaroori Kagzat: Janam pramaan patra, photo ID, TIN patra, vyapaar panjikaran ya sifarish patra (jaise SPBD endorsement).
• Samuh banana: 10 se 20 mahilaen khud apna samuh chunti hain; isse bhugtaan mein anushasan bana rehta hai.
• Karz Yogyata Jaanch: FDB samarthit SME karzon ko chhodkar, aam taur par koi credit bureau jaanch nahi hoti. Karz samuh ki zimmedari, bachak ka itihas aur hafte ki baithkon ke moolyankan par aadhaarit hota hai.

Karz ka Bhugtaan:

• Rokad Vitran: Aam taur par hafte ki baithkon mein rokad mein karz diya jaata hai.
• Digital Sewa ki Yojna: Mobile phone dwara paise bhejne ki suvidha shuru karne ki yojana chal rahi hai.
• Bade Karz: Bade SME karzon ke liye FDB ke maadhyam se bank dwara karz diya jaata hai.

Vasooli aur Punar Vasooli:

• Hafte ki Baithkein: Karz ki vasooli hafte ki baithkon mein ki jaati hai.
• Adhikari: Kshetriya adhikari rokad pravah aur bhugtaan ki nigrani karte hain.
• Aapda Rahat: Cyclone Yasa (2020) jaise prakritik aapdaon ke baad bhugtaan ke samay mein dheel di gayi thi.

Mobile Phone ke Digital Program aur Upkaran

SPBD ek naya digital program banwa raha hai jisse grahak door se hi karz le sakein, apni pehchaan ki jaanch karwa sakein, aur apne khaaton ka prabandhan kar sakein. Yeh ek bada kadam hai jisse karz lene ki prakriya aur aasaan ho jaayegi. Iske alawa, SPBD ki apni website aur social media par bhi maujoodgi hai jahan se jaankari mil sakti hai.

Niyamak Stithi aur License

SPBD Fiji mein Financial Institutions Act ke tahat ek NBFI ke roop mein panjeekrit hai. Reserve Bank of Fiji (RBF) iski nigrani karta hai, aur yeh poonji ki paryaptata, jaankari dene aur acharan ke maanakon ka paalan karta hai. SPBD ne grahakon ke liye shulkon, byaaj daron aur zaroori bachak ke baare mein poori jaankari dene ka niyam banaya hai. Gaon mein grahak forums bhi hain jahan shikayaton ka nivaaran kiya jaata hai.

Grahak Anubhav, Bazaar Mein Stithi aur Pratiyogita

SPBD ne Fiji mein chhota karz kshetra mein apni ek mazboot pehchaan banayi hai.

Grahakon ke Vichar aur Bazaar Mein Stithi:

• Anubhav: Kai grahak SPBD ki madad se apne vyapaar mein vriddhi aur aarthik shakti ka anubhav karte hain. Halanki, mobile program abhi shuru nahi hua hai, isliye uske baare mein koi raay uplabdh nahi hai.
• Aam Shikayatein: Kuchh grahakon ko 20% saalana byaaj dar aam banko ki tulna mein zyada lag sakti hai. Hafte ki baithkon mein shaamil hone ki zimmedari bhi vyapaar ke samay se takra sakti hai.
• Bazaar Mein Stithi: Fiji mein grahakon ki sankhya aur karz portfolio ke hisaab se SPBD sabse bada chhota karz pradaan karne waala sanstha hai. Iska kul karz FJD 4.6 million aur bachak FJD 1.8 million hai.

Pratiyogiyon se Tulna:

• Fiji Development Bank (FDB): FDB bhi chhota aur madhyam vyapaar ke liye karz deta hai, khaas karke mahila udyamiyon ko 12% saalana byaaj par.
• Vyapaarik Bank (BSP, ANZ): Yeh bank bina girvi ke vyaktigat karz dete hain, jin par aam taur par 10.5% se 16.5% saalana byaaj lagta hai.

SPBD ki Visheshta:

SPBD apni 'samuh-aadhaarit zimmedari' model, girvi ki zaroorat na hona, aur vyapaar vikas ke liye di jaane waali training aur bachak sewain ke kaaran alag khada hai. Iski Fiji ke gaon aur door-daraaz ke ilakon tak pahunch aur mahilaon ko shaktishali banane ka uddeshya ise anokha banata hai.

Karz Lena Chahne Waalon ke Liye Zaroori Salah

Agar aap SPBD Microfinance Limited se karz lene ki soch rahe hain, toh kuchh baaton ka dhyaan rakhna bahut zaroori hai:

1. Byaaj Dar aur Shulk Samjhen: SPBD ka 20% add-on byaaj dar aam banko se zyada ho sakta hai. Saare shulkon ko gaur se samjhen taaki aapko kul kitna chukana hoga, iska sahi andaaza ho sake.
2. Apni Zaroorat Dekhen: Karz sirf utna hi lein jitna aapki vyapaar ya ghar ki zaroorat hai aur jise aap aasaani se chuka sakte hain.
3. Hafte ki Baithkon ka Samay: Yaad rakhein ki aapko hafte ki baithkon mein shaamil hona zaroori hoga. Dekhen ki yeh aapke vyapaar ya rojmarra ke kaam mein rukawat toh nahi banega.
4. Bachak ki Zaroorat: Aapko karz ke saath zaroori bachak bhi karni hogi. Yeh ek acchi aadat hai, lekin iska matlab hai ki aapke haath mein poori karz ki raashi nahi aayegi.
5. Dusre Vikalpon se Tulna Karein: Hamesha SPBD ke karz ki tulna FDB ya dusre vyapaarik banko ke karzon se karein, khaas karke agar aap bade karz ya kam byaaj dar ki talaash mein hain.
6. Samuh ke Sadasyon ko Jaanen: Chuki aap ek samuh ka hissa banenge aur ek dusre ke karz ke liye zimmedar honge, isliye apne samuh ke sadasyon ko achche se jaan lena aur un par bharosa karna mahatvapurna hai.
7. Sawal Puchhne se na Darein: Agar aapko koi bhi shart ya shulk samajh mein nahi aata hai, toh SPBD ke adhikariyon se saaf-saaf poochhen. Poori jaankari lene ke baad hi koi faisla karein.
8. Vyapaar Yojana Banayein: Agar aap vyapaar ke liye karz le rahe hain, toh ek mazboot vyapaar yojana banayein taaki aap karz ka sahi upyog kar sakein aur samay par chuka sakein.

SPBD Microfinance Limited Fiji ki mahilaon ke liye ek shaktishali saadhan hai, lekin har vitteeya nirnay ki tarah, soch-vichar kar aur poori jaankari ke saath aage badhna zaroori hai. Sahi samajh aur taiyaari ke saath, SPBD aapke aarthik safar mein ek bada sahayak ho sakta hai.