Wen wi de taak bout mani an' finans a Antigua an' Barbuda, di Kredi Yunyan Sint Janz Limitid (SJCCU) na wan niem we evribadi de no. Dis a no jos wan pleis fi put yu mani, bot a wan big paat fi wi komyuniti. Fii mo dan forti yier, SJCCU de help wi pipl dem fi get lown, seif mani, an' bild wan beta finanshal laif. Dem a wan big kredi yunyan, we de wuk fi di membaz dem, we dat min se di pipl we de yuz di sevis dem a dem a di wan dem we de own di pleis.
Di Kredi Yunyan Sint Janz: How Ih Start an' Wata Kind Biznis Ih De Do
Di Kredi Yunyan Sint Janz start bak inna wan thousand nain hantred an' eti-tri (1983). Dem a wan "open-bond" kredi yunyan, we dat min se eni porson we de liv a Antigua an' Barbuda, we ful op di rekwairment dem, kyan jain an' bi wan memba. Di main ofis fi dem a a Lower All Saints Road, a Sint Janz, Antigua, an' dem gat wan ada branch a Mandolin Place, Friars Hill Road.
Di main aim fi SJCCU na no fi mek big profit, bot fi sef di membaz dem. Di membaz dem a di wan dem we de own di kredi yunyan an' dem de help fi ron ih. Dis mek se di sevis dem we dem de gi, an' di intres reit dem, de alwez luk out fi di membaz dem intres. Dem de gi sevis fi persnal lown, lown fi hous (morgej), lown fi bisnis, an' ada sevis agen fi seif mani an' fi mek peiment. Di Jeneral Manija fi di kredi yunyan a Mis Peta-Gay Rodney, an' ih de mek shor se di kredi yunyan de ron smuut.
Di Lown Dem We Sint Janz Kredi Yunyan De Gi
SJCCU gat difrent kain lown we dem de gi, fi fit evri memba niid. We yu waan bori mani fi wan bredda wedin, fi tek wan trip, fi bai frij, ar fi bai wan hous, dem gat lown fi dat. Hia a som fi di lown dem an' how dem de wuk:
- Provident Lown: Dem a di lown dem fi persnal niid. Yu kyan borow fram XCD fiv hantred dola (XCD 500) op tu XCD twenti-faiv tausan dola (XCD 25,000). Di intres reit fi dem a roun et point faiv (8.5%) persen evri yier, an' yu gat op tu faiv yier fi pe bak. Yu de pe wan smal fiiz fi aplan, roun XCD fifti dola (XCD 50). Fii dem wan, yu no niid no ting fi put dung az bak op.
- Morgej Lown (Lown fi Hous): Fii dem we waan bai hous ar bild hous, SJCCU gat lown fram XCD fifti tausan dola (XCD 50,000) op tu XCD wan milyon dola (XCD 1,000,000). Di intres reit a roun six (6.0%) persen evri yier, an' yu gat op tu twenti-faiv yier fi pe bak. Yu de pe wan prosesin fiiz fi roun XCD wan hantred dola (XCD 100). Fii dem wan, di hous we yu de bai ar bild a dat a di bak op.
- Edukashon Lown (Lown fi Skul): Fii dem we waan go skul ar sen dem chilrin go skul, dem gat lown fram XCD wan tausan dola (XCD 1,000) op tu XCD fifti tausan dola (XCD 50,000). Di intres reit a roun sevin point faiv (7.5%) persen evri yier, an' yu gat op tu ten yier fi pe bak. Yu de pe wan fiiz fi aplan, roun XCD sevin-ti-faiv dola (XCD 75). Yu main niid wan porson we de sain fi yu (ko-sain), ar yu skul peipa dem fi shuo di fees.
- Det Konsolideshon Lown: If yu gat difrent lown a difrent pleis an' yu waan put dem a wan pleis, dis lown kyan help. Yu kyan borow fram XCD faiv tausan dola (XCD 5,000) op tu XCD fifti tausan dola (XCD 50,000). Di intres reit a roun nain (9.0%) persen evri yier, an' yu gat op tu sevin yier fi pe bak. Wan fiiz fi aplan a roun XCD wan hantred dola (XCD 100). Fii dem wan, yu no niid no ting fi put dung az bak op.
- Veikl Lown (Lown fi Kaar): Fii dem we waan bai kaar, SJCCU gat lown fram XCD ten tausan dola (XCD 10,000) op tu XCD tu hantred tausan dola (XCD 200,000). Di intres reit a roun sevin (7.0%) persen evri yier, an' yu gat op tu sevin yier fi pe bak. Wan prosesin fiiz a roun XCD wan hantred dola (XCD 100). Fii dem wan, di kaar papaal (taital) a dat a di bak op.
Pliz notis dat di intres reit dem an' di fiiz dem we wi de taak bout hia a estimate. Yu shud alwez aks di Kredi Yunyan Sint Janz direk fi di korek reit dem wen yu de aplan.
Apant fram di aplanin fiiz, if yu don't pe yu lown a taim, yu main gat fi pe wan liet fiiz. Di liet fiiz a roun tu (2%) persen fi di paat we yu don't pe dat mont.
How Yu Fi Aplai an' Get Sevis Fii Sint Janz Kredi Yunyan
SJCCU mek ih ezi fi pipl jain an' aplai fi lown. Yu kyan aplai inna di ofis, ar yu kyan yuz dem dijital weh. Dem gat wan websait an' wan mobail ap we yu kyan yuz.
Wata Yu Niid Fi Jain an' Aplai
Fii jain di kredi yunyan, yu niid fi bai wan smal shaia, roun XCD wan hantred dola (XCD 100). Den, wen yu de aplai fi lown, yu niid fi gat:
- Wan ID we de shuo yu pikcha an' we govament gi yu.
- Peipa we de shuo we yu de liv, we no olar dan six mont (utility bil ar so).
- Letta fram yu job fi shuo we yu de wuk, ar yu biznes papaal if yu a yu wan bos.
- Yu Soshal Sekyuriti kaard.
SJCCU de luk a yu mani stori an' how moch mani yu de mek fi si if yu kyan pe bak di lown. Fii big lown dem, mo dan XCD fifti tausan dola (XCD 50,000), dem de luk a di aplan mo klia.
Di Mobail Ap an' Dijital Sevis Dem
Di Kredi Yunyan Sint Janz gat wan mobail ap we yu kyan download a yu anjroid ar aifoun. Wid di ap, yu kyan:
- Kalkyulet how moch yu lown main bi.
- Download yu steitment fi si wata yu mani de do.
- Transfer mani fram wan akount to wan ada wan.
- Aplan fi lown online.
Di websait tu a yuuzful, wid online aplanin an' e-steitment. Dis mek ih ezi fi membaz fi do dem biznis fram dem wan hous ar foun.
Hau Membaz De Fiil Bout Di Sevis
A di mobail ap, SJCCU de get gud reitin, roun fo point tu (4.2) staa a Google Play. Pipl de se di sevis dem a gud, an' dem gat loan ofisa dem we de help yu. Dem tu de gi wokshop fi help pipl larn bout mani. Somtaim, som pipl de komplain bout how lang ih de tek fi get big morgej lown dem, an' somtaim di sistim main don't wuk gud wen a big biznis taim. Bot di kredi yunyan de alwez try fi mek di sevis beta.
Wata Ruul Sint Janz Kredi Yunyan De Fala an' How Dem De Stan' Agenst Ada Wan Dem
Di Kredi Yunyan Sint Janz a wan riyal, legol finanshal instityushon. Di Finanshal Sevis Regyuleto Komishan (FSRC) fi Antigua an' Barbuda de gi dem laisans an' de luk a dem. Dem de fala di Co-operative Societies Act, we dat a di loh we de ron kredi yunyan dem. Dis mek shor se di kredi yunyan de wuk gud an' sef di membaz dem mani. Dem de mek shor se dem shuo yu evriting klia bout di reit dem an' di fiiz dem, so yu alwez no wata yu de sign fi. Evri yier, wan porson we no wuk fi dem de chek dem buk fi mek shor se evriting korek.
Wata Di Pozishon Fi Dem A Di Maakit
SJCCU a wan fi di biges kredi yunyan dem a Antigua an' Barbuda. Dem gat asets (mani an' propati) we valyu roun XCD tu hantred an' twenti-wan milyon dola (XCD 221,000,000). Dis mek dem wan big pleiya a di finanshal maakit.
Di Ada Kredi Yunyan Dem
A Antigua an' Barbuda, SJCCU gat ada kredi yunyan dem we dem de kompit agenst. Dem wan a:
- Komyuniti Fers Ko-operativ Kredi Yunyan
- Antigua an' Barbuda Ticha Ko-operativ Kredi Yunyan
Wata mek SJCCU difrent a dat dem de wuk fi mo dan forti yier, dem a open-bond so enibadi kyan jain, dem gat gud dijital sevis, an' dem gat lown fi fit difrent niid. Dem de plian fi mek dem dijital lownin sevis beta, so pipl kyan get lown fasta.
Advais Fii Wi Pipl Dem We Waan Borow Lown
If yu de tink fi borow lown fram Sint Janz Kredi Yunyan, hia a som advais fi yu:
- Pripiar Yu Peipa Dem: Mek shor yu gat aal yu rekwairment peipa dem redi bifo yu go aplan ar aplai online. Dis mek di prosess go fasta.
- Andastand Di Toerm Dem: Alwez aks kweschan an' mek shor yu andastand di intres reit, di fiiz dem, an' how lang yu gat fi pe bak di lown. No fraid fi aks.
- Bild Gud Mani Stori: If yu seif mani a di kredi yunyan an' yu gat wan gud hischri fi pe yu bil dem a taim, dat de help yu wen yu de aplai fi lown.
- Yuz Di Ap: Di mobail ap a yuuzful fi chek yu balans, download steitment, an' fi si yu lown stori. Mek shor yu yuz ih.
- Bi Responsibl: Borow onli wata yu kyan aford fi pe bak. Lown a wan sevis, no wan fri gif.
Di Kredi Yunyan Sint Janz a no jos wan finanshal instityushon; dem a wan paat fi wi komyuniti. Dem de help wi pipl dem fi riich dem finanshal gol dem an' mek Antigua an' Barbuda stron. Wid dem lang hischri, dem difrent lown sevis, an' dem dijital weh, SJCCU de stil bi wan imortant finanshal pleiya fi wi islan.
