Worldnet Investments Limited

Wan: Worldnet Investments Limitid: Di Bakgran Stori ina Jumieka

Worldnet Investments Limitid, weh piipldem nuo mor az Worldnet Maikrofinans Limitid, a no frakles wan ina di Jumiekan maikit. Dis ferm staat bizniz frah 1997, bot a frah 2002 dem riili staat lend out moni. Dem a wan a di laisens maikrokredit institushandem weh di Bank a Jumieka (BOJ) luk uova, so yuh kian se dem a duu evriting bai di buk, az di Maikrokredit Ak 2021 se.

Di ferm weh privatli uon bai di piipldem weh staat it, an dem riili put dem moni weh dem had fram ada bizniz fi get it gwaan. Di bizniz model weh dem a run a wan weh kombain digitaal servis wid afis (branch) uol uova di ailan. Dis mek it iizi fi di piipldem weh waah borro moni, weh kian aplai online, pan WhatsApp, ar go dong a wan a di 17 afis dem weh dem have.

Di main piipldem weh Worldnet a taim fi a: piipldem weh wuk (fram di govament an fram privat kompini), small bizniz uona dem (like er-dresa, shap-kiipa, kyapenta, an taksi kompini), an taksi drayva dem, ar eni wan weh self-imployd. Dem a gi out moni fi elp dem wid dem bizniz, ar fi dem uon personal niid.

Di Main Piipldem weh Run di Kompini

• Sii-I-O: Hurshel Cyrus
• Jinaral Manija: Sophia Campbell

Tuu: Kain a Loun an Hou Dem Wuk at Worldnet

Worldnet Investments Limitid a gi out difrent-difrent kain a loun fi suit di niid a di Jumiekan piipldem. Dem a taim fi mek di praasess fast-fast, wid moni out di seem die fi som loun, an dem a uo faa fi mek di kolatral iizi fi di piipldem.

Di Loun Dem weh Deh Deh

• Personal Loun:
  • Mont: JMD 10,000 tu JMD 70,000
  • Taim fi Pey Bak: 1 tu 12 mont
  • Kolatral: Yuh need fi shuo risiit fi fiiv or mor itim weh yuh uon, like aplaians ar fonicha.
• Motor Viiakl Loun:
  • Mont: JMD 10,000 tu JMD 3,500,000
  • Taim fi Pey Bak: 1 tu 12 mont
  • Kolatral: Di viiakl taikl. Di viiakl kyan't fi uola dan 20 ier.
• Maikro Bizniz Loun:
  • Mont: No spek-spek mont gi out public.
  • Taim fi Pey Bak: 1 tu 12 mont
  • Kolatral: Fonicha, aplaians, viiakl, ar wan leta fram somwan weh rekomend yuh.
• An-Sikyur Loun:
  • Mont: No spek-spek mont gi out public.
  • Taim fi Pey Bak: Moni kyan disbors di seem die.
  • Kolatral: Dis wan no need kolatral. Yuh kyan get it chruu salari didokshan ar bay bank dayrek. Somtaim dem kyan aks yuh fi wan garantar, an dem a intavyuu di garantar.

Intres Reit an Fiiz

Di Worldnet kompini no riili put di egzak intres reit dem ar di Ann-Yual Porsentij Reit (APR) dem pan dem websait. Dem a se dem have di "louwes intres reit" pan di maikit, bot fi get di truu diitail, yuh haffi intarak wid dem dayrek. Dis a no somting weh unique tu Worldnet, nof maikrokredit ferm duu di seem ting.

Bout di fiiz dem, dem duu chaaj praasessin fii weh diffrent fi evri kain a loun. Dem ave di stan dard liet peyment fii tu, if yuh miss yuh peyment. Ada fiiz kyan kom in fi kolatral apriezal an pepawork, so a beta yuh aks dem evriting klaa bifuo yuh sign eniting.

Hou fi Aplai an Weh Yuh Need

Di aplikaishan praasess a chruu difrent chenal fi mek it iizi fi di piipldem:

• Online: Yuh kian go pan dem websait (worldnet.com.jm) an fill out di loun faam online.
• WhatsApp: Dem have wan dedikietid WhatsApp nomba (876-440-6050) weh yuh kian yuuz fi aplai.
• Afis: Yuh kian go dong a eni a di 17 afis dem uol uova Jumieka fi aplai in-persn.

Wen yuh a aplai, Worldnet a go aks fi som dokyument fi mek shuor evriting a di raich ting:

• Valid Porsnal Aidentifikieshan (PID)
• Tax Regishreshan Nomba (TRN)
• Proof se yuh wuk (leta fram wuk, ar pay-slip dem)
• Tuu utiliti bil (fi shuo weh yuh liv)

If yuh a get wan kolatral loun, dem a go need fi vali diet di risiit dem an fizikli luk pan di itim dem weh yuh a put up az kolatral.

Trii: Hou Teknalaji Wuk an Dem Rejulaishan

Worldnet Investments Limitid a yuuz teknalaji fi mek dem servis mor iizi fi di piipldem, bot dem stil a kip wan big praizens wid di afis dem. Dem a run di bizniz wid di govament ruul dem ina main, fi mek shuor dem a duu evriting bai di buk.

Mobil Ap an Intanet Praizens

Worldnet no have wan spek-spek mobil ap fi loun manijment. Insted, dem a yuuz dem websait weh dizain fi wuk gud pan foun, an di WhatsApp chenal. Dis mek it iizi fi piipldem fi aplai fram dem foun weh dem de. Dem have wan ada ap weh di niem a WorldNet Mobil peyment ap, bot dis wan a fi merchan dem fi chaaj kaad, no fi manij loun.

Di main websait (worldnet.com.jm) a wan gud plies fi get nof infaamieshan bout di loun dem, fi fain out weh di afis dem de, fi si weh dokyument yuh need, an fi aplai online. Dem a taim fi mek di websait iizi fi yuuz.

Weh di Govament Se Bout Dem

Worldnet Investments Limitid a wan regyulietid ferm. Dem get dem laisens an a wuk andan di Maikrokredit Ak 2021, weh di Bank a Jumieka (BOJ) luk uova chruu dem Finanshal Institushanz Supavizari Divizhan. Dis miin se dem haffi fala strick ruul an regyulaishan fi protek di piipldem weh borro moni.

Di Konsyuma Afierz Komishan (CAC) a elp fi in fors di ruul dem weh protek di konsyuma. Dis miin se Worldnet haffi gi out klaa infaamieshan bout dem reit dem an dem haffi have wan wie fi piipldem fi komplain if dem no satisfai wid di servis. Dem a fala di Anti-Moni Landarin (AML) an di Koun-ta-Teraris Finansin (CFT) ruul dem tu, weh miin se dem a duu di nesesari chek pan dem kastoma dem an ripoot eni sispishas aktiviti.

So far, dem no have eni public ripoot bout eni penaliti ar aks an fram di govament gens Worldnet Maikrofinans oparienshan dem, weh a wan gud sign.

Fuo: Hou Worldnet Stan Out an Advais fi Yuh

Worldnet Investments Limitid a wuk ina wan maikit weh nof ada ferm de, like Kingston Finans, Akses Finanshal, Dolla Finanshal, an ISP Finans. Bot Worldnet a taim fi stan out chruu som speshal tingz weh dem duu.

Hou Dem Diffrent fram Ada Wan Dem

• Fast-Fast Disborsment: Dem a uo faa fi mek yuh get yuh moni di seem die, weh a big elp fi piipldem weh need moni kwik.
• Iizi Kolatral: Dem a uo faa fi mek di kolatral op shan dem flexibl, so nof piipldem kyan fain somting fi put up.
• Big Futprint: Wid 17 afis uol uova di ailan, Worldnet a rich piipldem ina aal 14 parish, weh mek dem iizi fi aksis fi nof Jumiekan.

Weh di Piipldem Se bout Worldnet

Di rivyuu dem fram kastoma a mixed. Nof piipldem praiz Worldnet fi di spiid a dem servis an di gud kastoma servis weh dem gi. Bot som piipldem duu komplain bout di klaaritii a di fiiz dem an di taim weh it tek fi apriez kolatral. Dis a riili impaatant, so a beta yuh aks di raich kweschan dem bifuo yuh tek di loun.

Worldnet have wan dedikietid kaal senta (876-740-8888) an WhatsApp supuort, plus in-branch elp, so yuh kian get elp wen yuh need it.

Praktikal Advais fi Piipldem weh Waah Borro Moni

If yuh a tink bout borro moni fram Worldnet Investments Limitid, or eni ada maikrokredit ferm, here a som gud tingz fi no:

1. Duu Yuh Risaach: Aaks dem di egzak intres reit an di APR bifuo yuh sign. Fain out bout aal di fiiz dem weh kyan kom in – praasessin fii, liet fii, an eni ada chaaj.
2. Riid di Tormz an Kandishan: Mek shuor yuh riid an andastan aal di tormz an kandishan fi di loun. Don't sign eniting if yuh no andastan it fulli.
3. No Yuh Kolatral: If yuh a put up kolatral, mek shuor yuh andastan di valyuu a it an weh kyan apn if yuh kyan't pey bak di loun.
4. Plan Yuh Peyment: Onli borro weh yuh nuo se yuh kian iizi pey bak. Mek wan budjit an mek shuor di loun peyment fit ina it.
5. Govament Re gyulaishan: Memba se Worldnet a laisens bai di Bank a Jumieka. If yuh have eni prablem weh yuh kyan't fix wid di kompini, yuh kyan rich out tu di Bank a Jumieka ar di Konsyuma Afierz Komishan (CAC).

Worldnet Investments Limitid a wan big an impaatant plieya ina di Jumiekan maikrokredit maikit, a gi out loun weh elp nof piipldem. Bot like wid eni finanshal disizhan, a impaatant fi aalwiez get aal di infaamieshan, andastan di diitail dem, an mek di raich chais fi yuh uon finanshal situeshan.