SomBank Opens In PL

[DR OSMAN]

 

[DR OSMAN]

These banks start small but they end up controllng the land. They all start with a small vault of cash. They wait for the public to come to them for capital. Their business model is purely around financing IDEAS in the nation. So every business in the nation 'iyaga lacagta geliyay' bilowgisa looooooool. Sanduqi yara ay bilabeen ba dalka dhan ganacsigisa ku taajireen. It's the easiest business model in the world. But he is right they are needed in any society, meel aan banki jirin, it's very difficult inay shicibka kacan oo ganacsi abuuraan, they need some money to start with before they are self sufficient.

These banks become very complex markay BIG noqdan, waxay bilabayan inay risk assessment samayan because they keep a database of their failed loans and they start to look for which 'ideas' ama what people are not successful and they won't ever fund that again. They develop character profiles of people even who don't pay their loans back and they reject their application on character ground. Eventually bankiyada markay batan iyaga isla xirirayo to find out ya khasaaro ah because they will help each other not to lose money. Lakin iskuma cawinan dhinaca lacag kordhinta ama profit margins.

But most banks will always tell u after they assess your business plan and model, we still want you as the customer to give us some 'asset' to show us you are confident. Just in-case something goes wrong. It can be their mother property, friend property, they have to find someone oo kalsooni ku gabo shacabka sida 'damiinta oo kale' weeye and the banks WILL AUTOMATICALLY APPROVE.

Even if your business model involves buying equipments anything that is physical asset, you don't owe it untill u pay your loan back adeer IYAGA LEH, if u dont pay back, they take it back quickly the asset and sell it to make sure they make their money back oo aan khasaaro wayn gaadhin. Bankiyada waa sababta loo yirahdo waa yahudka aduunka, khasaaraha gaadho ma wayno mar walbo ASSET bay ku xiran yihin iyo lacagta uu kordho waa HIGH because ganacsi kasto hirgala waa lacag uu kordhay weeye iyagu

 

[DR OSMAN]

Just watch how all Banks idea kasto way soo dhowayan hadi 'asset' jiro lagu xiro karo ideakasi. Ha noqote guri, qalab, gaadhi, wax kasto oo uu dhigmayo loanka ay ku sinayan, wallahi they give u the loan iyaga qoslayo. Lakin markadan haysan asset uu dhigma loanka rabtid, MARKAS AYAA DOOD WAYN LA GALAYSA. For example if I have an idea for a business, if I went to SOMBANK, they will say 'haye adeer maxaa hanti haysata' I wud say GAADHI 25 kun KU FADHIYA. Wallahi sheekada waxay ku soo xirayan ok 30 kun ka badan kuma siin karno dayn ah, waxay la socota hantiga aad lee dahay iyo khasaaraha ka soo gaadhi karo. Even dahab from ur family they will accept. Anything oo beri la ibin karo hadi aadan lacagta iska soo celin lagu siiyay ama ganacsiga fashil ku yimado.

But for big projects waa inay somalidu qaybsadan oo helan partners...hal qof si uusan uu khasaarin. If u need 500k loan from bank. U probably need 5 partners. 1 house each gurigooda familyga ha siiyan bankiga si ay qulubtooda uu degto. They see 5 houses bankiga la wareegayo hadi aadan lacagta soo celin. That's the best way to describe a bank. They are like 'big boat' lookin for small boats inay kiciyan si uu waynado, iyo marku ninkasi waynado isaguna boatkisa waa si balaartay.

So customer and bank relationship requires both to 'invest' into the project, the customer needs to have some sort of 'asset' and the bank needs to have capital. They both then review the business idea and it's proftitability because 'way isku xiran yihin' bilowga illa daynta la bixiyo marka waa inay qayb lixad leh ka qaatan fekerka iyo sida loo wajahaayo. The bank work out the loan period iyo waqtikisa up until such time qayb wayn bay ku lee yihin fekerka ganacsigasi markad iska bixisid daynta iyo markay helan 'faidida' ay ka rebeen ganacsigasi ama maalgelintasi, usually only then they will leave u alone when they recover their money but also reach their company PROFIT goals for each investment. Till then they have a big role and say in your business decisions.

It's like a boat sxb ganacsigu, u cant ask the bank 'illa soo kor' lakin haka qaybqadan sidan uu wajahaayo doonta. They can drown with u ma garatay. That's why they say markad gaarto dekeda lagu heeshiyay dekeda waa profit marginka bankiga uu ka rabo lacagtisa isaga ka degayo kadib mid kale buu raadsan oo sidada oo kale ah looooooool.

Banks remind me of big boats in the sea and they lookin for 'swimmers' which are the customers and promising them I will invest into your idea to get u a boat and out of the water. Shacabka waa sida swimmers in the sea with no business and the boats in the sea are like the businesses in the land. Each boat will be different in size and productivity and scale. But they want to help everyone in the market. Be it small business owners(he already has a boat and wants to expand), new business owners(swimmers), government, anyone lol as long as the 'risk' is worth the 'reward' and that depends on the asset you secure against the loan they give u.

But u will see eventually the market place will see more BANKS and they will start to compete for the customer with the same goal in mind. Who will finance the swimmer new boat and bring him out of the sea. The customer gets to have choices but the risk, reward, and assets linked to the loan will not change bank to bank. This is COMMON LAW and philosophy of banks, waa wax iyaga dhan quseeyo KHASAARO lacageed.

 

[DR OSMAN]

People have a bad idea of banks due to superstitions. They expect a bank to give them money and collect the same back. That's not a business that's a CHARITY at best. Meeshasi oo kale waa SADAQO weeye ma aha ganacsi marka. Ganacigu mar kasto waa 'faido' and they will want AS MUCH FA'IDO as possible. Ma raban inay lacagtooda sadaqayan for u, ma qasab ba sadaqadu?

Think about it. If banks loaned u 300k and said give me 300k back. The time period(inflation sicir bararka marketga) ayaa isbadelayso. Marka 300k uu ku siiyay 5 sano kadib markad iska bixisid daynta, sicirki suuqa ayaa kor uu kacay, he lost money now. His 300k uma dhigmayso manta waxay uu dhigmayso suuqa dhexdeeda shan sano ka bacdi, he can purchase as much in the market place. So he can't collect 300k from u in 5 years time, he has to include SICIRKA suuqa kadib FA'IDO which is profit margin. Inflation plus Profit = INTEREST

Sicirka suuqa is the worst thing. It's controllable sometimes. I know when if I have 5 dollars in 1950 I can buy nearly a car, but today wallahi hal roti ayaa ku ibsan kara. That is SICIR waalan, hadi aadan taa ku daraynin hisabka daynta marki lacagta la soo celinayo iyo time period khasaaro ayaa ku soo gaadhayso. Sicir keliya ma aha, you dont want to return the same margin. U need to calculate a profit on top.

 

[DR OSMAN]

That is a place I would Invest in Sombank. Lacagta ii haaya baan oran laha koley waxba kuma samayn dooni, markad heeshan qof haami wayn oo shacabka ah oo feker fican haysto ganacsi, lacagtayda qayb ka siiya waa markad hubisan inu feker wanagsan yahay iyo risk assessment ka qaatan iyo hanti ma gurtan ku xirtan fekerkisa. The shareholders of the bank will laugh together, while the business man who took our loan is working hard we are collecting repayments with our fa'ido and sicir bararki calculated. Wa iska qoslayna, they become like our little SLAVES. Imagine that multiplied by 1000 businesses oo garowe iyo bosaso noo shaqaynayo. Wow we will be laffing as our sombank VAULT GROWS in repayments.

I wud definitely be interested as a share holder of this business sombank. It's easy money. I don't have to put time/effort into it and my money is working for me. I can then pursue other projects in my time to increase my MAAL while SOMBANK is increasing my maal with shacabka iyo fekerkooda la maalgelinayo.

 

[DR OSMAN]

Tawakal is Leelkase. I noticed the langaab tribes are becoming the new JEWS of Somalia. Sida duduble, leelkase, saleban, murusade, etc. They getting the ball rolling to ensure they control the market places in their sector. Telecommunication = duduble..Leelkase = tawakal and this BANK idea. It's always the langaab clans who are coming with the good ideas. But the leelkase idea will own the whole market, not just a telcommunication sector plus he is only delivering a service WA GANACSI, where-as a bank is beyond a GANACSI, they are INVESTORS. Qayb bay ku lee yihin ganacsi kasto bilowda ila dayntooda loo celiyo. Wa ganacsi ku saabsan maalka investor kuma saabsana internet ama telephone ama alaab.

 

[FBIsomalia]