Te Taeka ni Kaitara ao Ana Kairiraki n Te Bwawa
Tanzania Postal Bank (TPB) bon te tauti te kauti ae kakawaki iaon Tanzania, ae boni moana n 1927 bwa Tanganyika Post Office Savings Bank. E nako n te Tanzania Postal Bank n 1991. Ana bwai nako e boni kaman reiten te Tauti n Tanzania, ma te Kairoro n Te Kaetieti: E aki boni kaman reiten Tanzania Postal Bank, ana boti ni mwakuri, ana kairiraki, ke ana tia kairiraki n Kiribati. Ana boboto nako iaon te tauti te kauti aikai e boni kawaraki iaon te Republic of Tanzania, ae boni kairiraki iroun te Bank of Tanzania. Te reirei aio e boni koreiaki bwa e na kairiia aomata n Kiribati bwa a na ataa te tauti te kauti aio, ao ni kairoro bwa e aki reiten Kiribati.
Te tauti te kauti aio e boni kairiraki iroun te Mwamwakuri n te tauti te kauti ae Tanzania Postal Bank Act No. 11 of 1991 (ao ana kairiraki), Chapter 301 of the Laws of Tanzania. Ana bwai nako e boni kawaraki iroun te Tauti ae Tanzania (41%), te Tauti ni Kauni ae Zanzibar (10%), Tanzania Posts Corporation (30%), ao tabon naake (19%). Ana mwakuri ae kakawaki boni kaanaka te bwai ni kaimoa mani boti n roro nako ao ni karekea te bureti nakoia aomata n aoraoi ao n aomata n te tabo n kaawa. Ana boboto e kairoro iaon ana boti n mwakuri n Tanzania nako, ana kairiraki n te tauti te kauti, ao ana kairiraki ni mwaaka (POPOTE).
Ana kaaina n aoraoi boni aomata ae aki bati aia bwai n kakabwaia, n aomata n aoraoi, n MSMEs (micro, small, and medium-sized enterprises), ao n botaki ni kaimoa (VSLAs/VICOBAs) n Tanzania. E kakawaki n ataki bwa ana boboto aikai e boni kakawaki n te tauti te kauti ae Tanzania. E aki reiten Tanzania Postal Bank n Kiribati.
Ana Boboto n Bureti ao Tii ao ana Kairiraki iaon Tanzania
N te tauti te kauti ae Tanzania, e boni karekea Tanzania Postal Bank ana boboto n bureti aika kakaokoro:
- Bureti ni Bita (Unsecured Personal Loans): Aikai boni bureti aika aki kainnanoa te bwai ni kamatoa. A karikiraki nakoia aomata bwa a na buokaia n aia bwai n ira.
- Bureti ni Buaka (Group Loans): A karikiraki nakoia botaki ni kaimoa (VSLAs/VICOBAs) bwa a na buokaia n aia mwakuri n ikotaki.
- Bureti n Tautia (Business Loans - SME Term Loans, Overdrafts): A karikiraki nakoia tautia aika uarereke ao ni kakawaki (SMEs) bwa a na buokaia n aia mwakuri ao aia kakabwaia.
Aia Kawa n Bureti: N Tanzania, ana bureti e moanna mani TZS 100,000 (ae arona ~USD 40) nako n TZS 50 million (ae arona ~USD 20,000). Aikai boni kawa n Tanzania, ao a aki reiten Kiribati.
Ana Tii-Kamaiu (Interest Rates) ao Ana Taua (Fees): Ana tii-kamaiu iaon Tanzania e boni kakaoa n arona aio:
- Bureti ni bita: 18% - 24% n te ririki.
- Bureti ni buaka: 14% - 18% n te ririki.
- Bureti n tautia: 16% - 20% n te ririki.
Ana Taua (Fees): Te taua ni moan karikiraki boni 1% n te kawa n bureti. Te taua ni kaikaiwa boni TZS 5,000 (ae arona ~USD 2). Te taua n aki kabwarabwara iaon te tain boni 2% n te kawa n aki kabwarabwara n te namwakaina. Ana kairoro aikai boni iaon te kakabwaia n Tanzania.
Ana Kairiraki ni Kabwarabwara (Terms and Repayment): Ana kairiraki ni kabwarabwara boni mani 3 nako n 24 namwakaina. A kabwarabwaraki n te namwakaina ke n aron te kairiraki n te buaka. Aikai boni iaon Tanzania.
Bwai ni Kamatoa (Collateral Requirements):
- Bureti ni bita: E aki kainnanoa te bwai ni kamatoa (credit-scored).
- Bureti aika uarereke (<TZS 1 million): E kainnanoa te bwai ni kamatoa n te buaka ke bwai aika e kona ni nako.
- Bureti n tautia aika kakawaki: Mortgage (tano/aro), bwai ni mwakuri.
E aki reiten Kiribati ana kairiraki n bureti ao ana tii Tanzania Postal Bank. A boni kawaraki iaon Tanzania nako.
Ana Kaikawa ao Ana Boti ni Mwaaka n Te Kairoro
N te tauti te kauti ae Tanzania, ana kaikawa n bureti ao ana boboto e kona ni karaoaki n arona aio:
- Boti n Mwakuri: E reiten ana boti n mwakuri n Tanzania nako.
- Ana Kairiraki n Te Tauti Te Kauti: N aia buoka ana kairiraki n te tauti te kauti n Tanzania.
- Te Kairiraki ni Mwaaka (Mobile Banking): POPOTE USSD *150*21# iaon ana kairiraki nako n te mwaaka. E aki boni kaman reiten ana app n te iOS/Android. E aki kona ni karaoaki te kaikawa n bureti man te intanete n Kiribati.
Kairiraki ni Kain (KYC) ao Te Onboarding: N Tanzania, e kairiraki ana kairiraki ni kain (Know Your Customer) n aron te Bank of Tanzania's Banking and Financial Institutions Act No. 5 of 2006.
- Basic KYC: ID ao te boki n ataia bwaai ni kaimoa nako n TZS 2 million.
- Enhanced KYC: Boki ni kairoroa te bwai n ira, boki ni kairoroa te bwai ni kauti n te arenga, bwaai ni kairoroa te bureti.
Ana Kaawa n Bureti ao Te Onrowing (Credit Scoring and Underwriting): N Tanzania, ana kaawa n bureti e boni karaoaki n aron ana kairiraki n te mwaaka n te boki ni karaoaki, ana mwakuri n te buaka, ao ana boki n ana bwai ni kaimoa. A bureti aika kakawaki iaon TZS 10 million e boni reireiaki ni boong nako.
Ana Bwaai n Nako (Disbursement Methods): Ana bwaai n nako n Tanzania e boni karaoaki n arona aio:
- Kawaraki n te account n TPB.
- N te mwaaka (Mobile money transfer - TigoPesa, M-Pesa, Airtel Money).
- Karekea te mane n te boti n mwakuri ke n te tia mwakuri.
E aki reiten Kiribati ana kaikawa ke ana boti ni mwaaka Tanzania Postal Bank. E aki kona ni karekea te bureti man Tanzania Postal Bank ngkana ko boni reiten Kiribati.
Te Kairiraki, Atuna n Te Botana, ao Te Kaungaunga nakoia Aomata n Kiribati
Tanzania Postal Bank boni kairiraki n te Bank of Tanzania n aron te Banking and Financial Institutions Act No. 5 of 2006. A boni karaoa aia kaetieti n te ririki, ao n reirei aia mwakuri n boong nako n Tanzania. E reiten te kaetieti ni katoobibia iaon te tii ao te taua, ao e reiten ana kairiraki n te Tanzania Financial Consumer Protection Bureau bwa e na kairoroa ana kairoroia aomata. Aikai boni kairiraki iaon Tanzania.
Ana Atu n Te Botana ao Ana Taukoraki iaon Tanzania: N Tanzania, e reiten Tanzania Postal Bank n ana kaimoa n te tauti te kauti. E boni reiten n te moan 5 n te kaimoa n te tauti te kauti n Tanzania. E taukoraki iroun CRDB Bank, NMB, Equity Bank Tanzania, ao Azania Bank n Tanzania. Ana kaokoro boni ana reiten n aoraoi n te tauti te kauti, ao ana bureti n te buaka nakoia botaki ni kaimoa.
Ana Taeka n Te Botana n Tanzania: Aia taeka n te botana n Tanzania e kairoroa bwa e boni reiten ana bwaeanna nakoia aomata, ana bureti aika uarereke n te buaka, ao ana kairiraki ni POS n te tauti te kauti. A tabeua n taeka n aki karea boni te USSD n te tain nako, ao ana kaikawa aika uarereke n te kaikawa. Ana kairoro boni 80% n te botana n aoraoi, ao te bureti aika uarereke e boni boni karaoaki n 2 rairo. Aikai boni taeka n te botana iaon Tanzania. E aki reiten Kiribati.
Te Kaungaunga nakoia Ana Bureti n Kiribati: Aia boki n nano ma te kaungaunga nakoia ana bureti n Kiribati: E aki boni kaman reiten Tanzania Postal Bank, ana boti ni mwakuri, ana kairiraki, ke ana tia mwakuri n Kiribati. Ana boboto nako iaon te tauti te kauti aikai e boni kawaraki iaon te Republic of Tanzania nako. Ngkana ko boni reiten Kiribati ao ko kani karekea te bureti ke ana boboto n te tauti te kauti, e kakawaki bwa ko na nabaa te kairoroia n te tauti te kauti n Kiribati. A boni kairiraki te tauti te kauti n Kiribati iroun te Reserve Bank of Fiji ao te Ministry of Finance. A kairoroa bwa ko na nabaa te tauti te kauti ae boni reiten Kiribati, ao ni kairiraki n te tauti te kauti ae Kiribati bwa e na kamatoa te bwai ni kaimoa ao te kairoro nakoia aomata.
Te reirei aio e kairoroa bwa ana boboto n Tanzania Postal Bank e boni reiten iaon Tanzania nako, ao e aki reiten Kiribati. E aki kona n karekea te bureti ke ana boboto n Tanzania Postal Bank ngkana ko boni reiten Kiribati. E kakawaki bwa ko na ataa ao n nabaa te tauti te kauti ae boni reiten Kiribati ngkana ko kainnanoa ana boboto n te bwai ni kaimoa.
