N te tai aei, e rang ni kakukurei n ataia bwa e a katekateaaki te maaka n te bweia ni kaonoti i Kiribati, ma e kariai naba taian kangaanga tabeua n aron te kanganga ni kabwaka. Ni kaean raoiroa nakoim ara kairaki n te bitaki ni mane, ti anganiko te kae aei bwa e na kairiko n te aroaro n te bweia ni kaonoti, ao ni buokiko n te waaki ni kakoaua n te koaua ae e nakoia te marurung.
Kanoan te Maaka n Tawae ni Bweia ni Kaonoti n te Tai aei i Kiribati (te 12 n Tetembwa, 2025)
Te bweia ni kaonoti i Kiribati e bon tei ni burae n te bitaki ae e reke n te tai aei. E bon aki kateaaki te taabuni bweia ae bon ana kaain Kiribati. Ma e mena tabeua taabuni bweia mai iaon taian nakoa tabeua are e a tia n reke n te download n rianako nakoia tabeua kaain Kiribati, n aanga n aia koompaani nako te Tala ao te Branch. Ma te anga ni kabonganaaia aikai e aki kabonganaaki iaon te Kiribati ae e aki kamoamoaaki ana kamoamoa ao e aki kabonganaaki ana tua n te Kiribati.
Te anga aei e eweia bwa e na reke iaon taian reeti ni bweia ae rang ni bati (e aki nakoaki te koaua ae 50-150% n te ririki), ao te aanga ni kabwaka ae te maania n taian mane nako mai iaon nakoa tabeua, ao taian tia ni kaboo ae bon aki kateaaki raoi. Te botaki n te tua ni bitaki are e kateaaki iroun te Kiribati Financial Services Development Authority (KFSA) e bon tei ni kateaaki; taian tua n te mane are e kabonganaaki n te tai aei e bon reke mai iaon te ririki 2009 n taian bitaki are e a tabe n reke n te Turai 2025.
Kaain Kiribati a kona n reke iaon te kanganga ni kabwaka n te mane, taian kangaanga ni kanoan te bitaki ni kabwaia, ao te aki nakoaki n te marurung n te tai ae e reke n te kanganga ni kabwaka. Te kae aei e na kaotia ana aroaro te maaka, taian koompaani ae bati n te nakoa, taian reeti ni bweia ao taian tuanganga, ao ni anganau taian reirei n te kakamarurung nakoia kaain te nakoa.
Aroaron te Maaka n te Tai aei
Mani te ririki 2022, e a katekateaaki te kabonganaaki n te mobile n te Kiribati mai te 22% n nako n te 36%. E a reke te katekateaaki aei mani taian mobile ae e aki bati ana kaboo ao te kabonganaaki n te initanete are e a bati n te Digicel Kiribati (2024 network upgrade). Ma te bweia ni mane ae bati e bon aki bati n te Kiribati: bon 3.1% nakoia aomata ae raoiroi are e a tia n reke n te bweia mai iaon taian banaki ae e a tia ni kamoamoaaki.
Te KFSA, are e kateaaki n te ririki 2018, e bitaki ni kanoan taian banaki ae aki banaki iaon te Moneylenders Act 2009 (amended draft passed July 2025). Taian tua ae e na reke iaon te reeti ni bweia ae 48% n te ririki ao te kateaaki ni kaboo ae e bon roko. Te kateaaki n te tua ni bitaki e bon nako n te tai aei n te kateaaki ni kaboo nakoia taian mane ae aki kamoamoaaki n te South Tarawa, n reke n te Maati 2025 n ana tua te KFSA bwa e na rawataaki ao ni bononoaaki taian online lenders ae aki rehitaraaki.
Taian mane ni kaonoti a kabatia te bweia ae uarereke ae aki reke iaon te marurung mani taian Android APKs, n ana baikea bwa e na reke n te kamatoaa ni mane n te tai are e na reke iaon te bwaati ni mobile. Ma te kamatoaa n te mane nako iaon taian bwaati ni mane ae kabonganaaki ana taarau ni Amerika n Kiribati e kona n reke n 3-7 raana n te tai ni kabonganaaki mani taian banaki. Taian kanganga ni kabwaka ae e reke n te Iuni 2025 a kaotia bwa e reke n te kaboo ae bon aki kateaaki ae 8% n ana mane, ao taian reeti ni bweia ae e kona nako n te kaboo ae e kona ni kabane ni kabwaka.
Taian Koompaani ao Taian Tawae ni Bweia n Taabuni Aana ae Kabonganaaki i Kiribati
E bon aki kateaaki te taabuni bweia ae bon Kiribati n te tai aei. Kaain te Kiribati a kona n reke iaon taian tawae aikai are e kabonganaaki n te nakoa (e bon aki kamoamoaaki ana kamoamoa n te Kiribati, n te tai are e aki otinako):
- Tala (e aki nakoaki te koaua ae ana kamoamoa n te Kiribati)
- Branch (e aki nakoaki te koaua ae ana kamoamoa n te Kiribati)
- Tala Philippines (e aki nakoaki te koaua)
- Branch Kenya (e aki nakoaki te koaua)
- SpinPay (e aki nakoaki te koaua)
- OKash Asia (e aki nakoaki te koaua)
- CashBean (e aki nakoaki te koaua)
- InVenture (e aki nakoaki te koaua)
- M-Pawa by Tanzania Postal Bank (e aki nakoaki te koaua)
- Mukuru Loans (e aki nakoaki te koaua)
Kanoan Aroaroaia Taian Tawae Aikai
- Tala
- Ana kateaaki: USA (e kabonganaaki n te Philippines, East Africa)
- Kanoan te Bweia: Taarau 20-200; Reeti ni Bweia ni Kawana n Taian Ririki (APR) 60-120% (Tala Help Center, Turai 2025)
- Taian Tuanganga ao Taian Kaboo: E aki reke n te kaboo ni kateaaki; kaboo ni karaoa n te maania ae Taarau 5 ke 2% n ana mane
- Kateaaki: ID n te ata ao te kae n te ata; SMS contact list analysis
- Tua ni Bitaki: E aki reke n ana kamoamoa n te Kiribati; Philippine Moneylender license
- Reeting n te Play Store: 4.3 (Android); e bon rangi ni kakukurei n te kabonganaaki, e uarereke te kateaaki ni kaboo
- Branch
- Ana kateaaki: USA (e kabonganaaki n te Kenya, Nigeria, Mexico)
- Kanoan te Bweia: Taarau 15-300; Reeti ni Bweia ni Kawana n Taian Ririki (APR) 45-110% (Branch Help, Iuni 2025)
- Taian Tuanganga ao Taian Kaboo: 3% ni kaboo ni kateaaki; kaboo ni karaoa n te maania ae 7% n te namwakaina
- Kateaaki: ID n te nakoa ao te kae n te mobile
- Tua ni Bitaki: Kenyan, Nigerian licenses; e aki kamoamoaaki n te Kiribati
- Reeting n te Play Store: 4.0; e bon rangi ni kakukurei n te kabonganaaki, ma e aki reke n te kaoaoa n te bweia ae e reke n te kanganga ni kabwaka
- Tala Philippines
- Ana kateaaki: Philippines
- Kanoan te Bweia: PHP 500-5,000 (~Taarau 9-90); Reeti ni Bweia ni Kawana n Taian Ririki (APR) 50-75%
- Taian Tuanganga ao Taian Kaboo: 0-5% ni kaboo ni kateaaki; e aki otinako te rollover APR
- Kateaaki: Philippine ID ao te kae n te ata
- Tua ni Bitaki: Licensed by Philippine SEC; e aki kamoamoaaki n te Kiribati
- Reeting n te Play Store: 4.5; e kabonganaaki n te Tagalog ma e bon Ingiriti n te Kiribati
- Branch Kenya
- Ana kateaaki: Kenya
- Kanoan te Bweia: KES 500-70,000 (~Taarau 4-650); Reeti ni Bweia ni Kawana n Taian Ririki (APR) 42-106%
- Taian Tuanganga ao Taian Kaboo: 5% ni kaboo ni kateaaki; 10% kaboo ni karaoa n te maania n te namwakaina
- Kateaaki: Kenyan ID ao te kae n te ata
- Tua ni Bitaki: Licensed Central Bank of Kenya; e aki kamoamoaaki n te Kiribati
- Reeting n te Play Store: 4.4; e bon rangi ni kakukurei n te kabonganaaki ma e aki reke n te kaoaoa n te Kiribati
- SpinPay
- Ana kateaaki: Singapore
- Kanoan te Bweia: Taarau 50-1,000; Reeti ni Bweia ni Kawana n Taian Ririki (APR) 80-150% (e aki nakoaki te koaua)
- Taian Tuanganga ao Taian Kaboo: 7% ni kaboo ni kateaaki; kaboo ni karaoa n te maania ae 10%
- Kateaaki: Passport ao email
- Tua ni Bitaki: MAS sandbox; e aki reke n ana kamoamoa n te Kiribati
- Reeting n te Play Store: 3.8; e bon rangi ni kangaanga n te kabonganaaki
- OKash Asia
- Ana kateaaki: Hong Kong
- Kanoan te Bweia: Taarau 20-500; Reeti ni Bweia ni Kawana n Taian Ririki (APR) 70-130% (e aki nakoaki te koaua)
- Taian Tuanganga ao Taian Kaboo: 5% ni kaboo ae e bon roko; kaboo ni kaimatoa ae aki otinako
- Kateaaki: ID n te ata ao te bwaati ni mane
- Tua ni Bitaki: E aki kamoamoaaki n te Kiribati; e bon aki reke n te tua ni bitaki
- Reeting n te Play Store: E bon aki reke n te Play Store; taian reeting n te APK e reke n te 3.2
- CashBean
- Ana kateaaki: India
- Kanoan te Bweia: INR 1,000-80,000 (~Taarau 12-970); Reeti ni Bweia ni Kawana n Taian Ririki (APR) 30-60%
- Taian Tuanganga ao Taian Kaboo: INR 200 ni kaboo ni kateaaki; 2% n te namwakaina ni kaboo ni karaoa n te maania
- Kateaaki: Aadhaar ao e-KYC
- Tua ni Bitaki: Registered with RBI; e aki kamoamoaaki n te Kiribati
- Reeting n te Play Store: 4.1; e otinako raoi te kateaaki ni kaboo nakoia kaain India
- InVenture
- Ana kateaaki: USA
- Kanoan te Bweia: Taarau 50-500; Reeti ni Bweia ni Kawana n Taian Ririki (APR) 50-100% (e aki nakoaki te koaua)
- Taian Tuanganga ao Taian Kaboo: 3% ni kaboo ni kateaaki; 5% ni kaboo ni karaoa n te maania
- Kateaaki: ID ao te kae n te ata ao te credit bureau ae e kona ni kabonganaaki
- Tua ni Bitaki: E bon aki reke n ana kamoamoa n te Kiribati
- Reeting n te Play Store: 3.9; e uarereke te kabonganaaki
- M-Pawa (Tanzania Postal Bank)
- Ana kateaaki: Tanzania
- Kanoan te Bweia: TZS 10,000-500,000 (~Taarau 4-180); Reeti ni Bweia ni Kawana n Taian Ririki (APR) 36-45%
- Taian Tuanganga ao Taian Kaboo: TZS 1,000 ni kaboo; 7% ni kaboo ni karaoa n te maania
- Kateaaki: ID n te nakoa, biometrics
- Tua ni Bitaki: Licensed Bank of Tanzania; e aki kamoamoaaki n te Kiribati
- Reeting n te Play Store: 4.2; e bon rangi ni kakukurei n te kateaaki ni kawara ni mane
- Mukuru Loans
- Ana kateaaki: South Africa
- Kanoan te Bweia: ZAR 200-5,000 (~Taarau 11-275); Reeti ni Bweia ni Kawana n Taian Ririki (APR) 55-95%
- Taian Tuanganga ao Taian Kaboo: 5% ni kaboo ni kateaaki; rollover fee 3%
- Kateaaki: ID ao te kae n te bitaki n te mane
- Tua ni Bitaki: South African NCR license; e aki kamoamoaaki n te Kiribati
- Reeting n te Play Store: 4.0; e bon rangi ni kakukurei n te kabonganaaki n te taetae ae bati
Taian Kanganga n te Bweia ao Taian Reirei n te Kakamarurung
Te bweia ni kaonoti i Kiribati e kariai naba taian kanganga aikai:
- Taian koompaani ae aki kamoamoaaki: E aki reke n ana kamoamoa n te Kiribati ae e aki reke n te marurung ni kabwaka.
- Reeti ni Bweia ni Kawana n Taian Ririki (APR) ae bati ao taian kaboo ae aki otinako: Te reeti ni bweia ae e bon roko e kona nako n te 150% n te ririki.
- Te kanganga n te mane ao te maania ni kabwaka: Te kamatoaa ni mane nako mai iaon nakoa tabeua e kona n reke n te kanganga ni kabwaka ao te 3-7 raana ni kabwaka.
- Te marurung ni kabwaia ao te bitaki ni kabwaia: Taian taabuni bweia ae bati a kainnanoa te kateaaki ni bitaki ni kabwaia n te mobile.
- Taian rollovers trap: Taian kaboo ni rollovers ao te kateaaki ni kaboo e kona nako n te kanganga ni kabwaka.
Aikai bon ririkiriki lima n taian reirei n te kakamarurung n te bweia ae e na buokiko n te waaki ni kakoaua n te koaua:
- Kakoaua te kamoamoaa: E bon bonako ni kakoaua te kamoamoaa ni bweia mai iaon taian koompaani are e a tia n kamoamoaaki iroun te KFSA n te tai are e na reke n te tua ni bitaki.
- Katenia te Reeti ni Bweia ni Kawana n Taian Ririki (APR) ao taian kaboo: Kakoaua te kaboo ae bon roko n taian kaboo ni kateaaki, kaboo ni karaoa n te maania, ao taian kaboo ni rollovers ni karokoa ae ko na kariaia.
- Kabongana te microfinance institutions (MFIs) ae bati n te Kiribati: Taian microfinance institutions ae bati n te Kiribati, n te tai are e maania te kamatoaa ni mane, a anganau taian reeti ni bweia ae e a tia ni kamoamoaaki (~24-36% APR) n taian marurung n te bweia.
- Rawaita taian rollovers: Katia te kabwaka ni mane bwa ko na kakaraoa te kaboo ni rollovers; katea taian kalenda ni kakaraoa.
- Marurunga ami bitaki ni kabwaia: Nora taian kateaaki ni bitaki ni kabwaia n te taabuni bweia; kabooia taian taabuni bweia are a kainnanoa te kateaaki ni bitaki ni kabwaia.
Te kabwaka ni mane ni kaonoti e kona n reke n te kakukurei ae bati n te tai ae e bon roko, ma e bon kainnanoa te reirei n te kakamarurung ao te kakoaua n te koaua. Ni kabongana ami reirei aikai, ko na kona ni katea te bwai ae e na buokiko n te bweia ae e bon roko n te Kiribati.
