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Author: SNS TECH Support

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Media Release

NCSL Savings and Loans is Built for and owned by Members

In Papua New Guinea, most financial institutions prioritise profits over people. NCSL Savings and Loan takes a different approach. As a not- for-profit, member-owned society, NCSL must make a profit too to pay for its operations and invest in the further improvement of its
services. However, a portion of NCSL’s annual profit is returned to all members as annual interest deposited on the general savings account.

Savings

Save with or a purpose or just for a rainy day

Saving for school fees, home improvements, or a family emergency becomes easier with NCSL. Members enjoy simple, hassle-free savings with no hidden charges or account-keeping fees taking away from what they’ve worked hard to put aside. With a choice of savings products and competitive interest rates from 2% to 6% per annum, NCSL helps you grow your money faster while building a strong and consistent savings habit.

Lending

Fair, Transparent and Responsible Lending

As an NCSL member, your savings open the door to affordable personal loans you can use for any purpose. With interest rates starting from just 14% per annum, you get access to one of the most
cost-effective loan options available

For example, at 14% per annum, you repay the loan AFFORDABLY on the reducing balance each
month

Loan Amount Repayment Term
K500 K39.83 6 months
K1,000 K41.22 12 months

Unlike many lenders, NCSL also allows you to borrow without touching your savings, so your balance continues earning interest while you meet your immediate needs. It’s a smart way to stay financially
secure.

Convenient Digital Services

For busy people, NCSL’s MyNCSL Member Online allows members to manage their accounts
anytime, anywhere. Services include:

  • Withdrawals and transfers between NCSL accounts or to commercial banks
  • Viewing balances and downloading statements
  • Applying for loans online

These digital services make managing finances simple. No queues, no transport hassles, and no risk  of carrying cash on the streets. Just fast, secure and convenient access to your money whenever you need it.

A Society Built on Members’ Interests

Saving with NCSL gives you more than just a safe place to keep your money—it helps you build real financial security. With competitive savings interest and access to affordable loans when you need them, NCSL supports you in planning ahead, reaching your goals, and creating a stronger future for yourself and your family

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Media Release

Supporting Families Back Into Classroom

This period continues to be one of the most financially demanding times of the year and NCSL Savings & Loan approach remains grounded in its long-standing promise: simple, affordable and
responsible lending for members.

While some financial institutions raise interest rates or introduce complex conditions around this time, NCSL has held firm to providing loan products that are transparent and fair, enabling families to prepare
for school with confidence rather than uncertainty.

What sets NCSL apart is its focus on member wellbeing. The society’s back-to-school loan options are built around realistic repayment schedules, straightforward terms and competitive interest rates that allow members to stretch their pay with minimal stress. Loan processing is efficient, and approvals are guided by responsible lending practices that prioritise long-term financial stability over short-term gains.

This commitment becomes especially important at the start of the school year, when many households feel pressured into accepting the first loan offered to them. NCSL encourages all members to compare
interest rates before signing any loan agreement whether it is with NCSL or another lender. A loan mayappear convenient on the surface, but the true cost lies in the rate, fees, and repayment structure. Some
lenders promote low weekly repayments but compensate with higher rates or hidden charges that inflate the overall cost.

By contrast, NCSL provides members with clear information upfront. Members know the interest rate, the repayment period, and how much will be deducted from their payroll. This clarity allows families to plan
ahead and avoid financial surprises that may arise later in the year.

The back-to-school season is not simply another spending period. It represents an investment in children’s education and future opportunities. NCSL believes that such investments should not force families into financial hardship. That is why the organisation continues to refine its products around the everyday realities faced by its membership giving them access to loan that supports their needs without compromising their financial wellbeing.

For many members, a NCSL loan means the difference between delaying fees and sending children to school on time. It means purchasing quality uniforms, covering transport costs, and meeting school requirements without resorting to high-cost lenders.

As the new school year started, NCSL encourages members to take the time to review their options, understand the total cost of borrowing, and make informed choices. With our member-focused approach
and consistent commitment to affordability, we remain reliable for families preparing for school.

Loans At NCSL Are Affordable

  • Manageable repayments, for example with a K1,000 loan, a repayment of about K41 per fortnight, making budgeting easier for families
  • Payroll-deducted repayments, reducing the risk of missed loan repayments

Easy to Apply

  • Apply for loans online anytime through MyNCSL Member Online or Mobile USSD
  • Track loan applications and manage accounts digitally, without branch visits or long queues
Categories
careers

Team Leader Lending

NCSL, the largest Savings and Loan Society in PNG, is undergoing an exciting transformative journey to further enhance the service to its members and to be ready for the future.

We are currently seeking an individual to fill the role of Team Leader Lending based at our Head Office that will report to the Manager Lending.  The incumbent will be responsible for driving quality credit decisions, ensuring compliance, and delivering an excellent customer experience while meeting performance and risk targets.

Key Responsibilities:

  • Manage day-to-day workflow to ensure service level agreements and turnaround times are met,
  • Monitor and ensure that daily loan applications are designated and processed by the respective officers within the agreed timelines,
  • Lead and ensure Loan applications received are properly assessed to ensure credit requirements are met prior to submitting for approval,
  • Provide weekly reports to the Lending Manager and as and when required.
  • Ensure responses are provided to the members’ loan queries within the minimum service turnaround time via email or phone call.
  • Recommend appropriate solutions to the Lending Manager to ensure rejected loans are reviewed and reprocessed.

Essential Qualifications, Technical Skills & Experience:

  • Possess more than 5 years experience in lending, credit assessment, or loan processing,
  • Previous experience in a Team Leader or senior role in a similar role is highly desirable,
  • Strong understanding of credit risk, lending policy, and compliance requirements,
  • Relevant Diploma Qualification in Business Management, Banking & Finance or related field.
  • Strong customer experience and ability to interact and cooperate with all staff and maintain professionalism that meets company core values.
  • Ability to analyse the numbers and provide a sound report to the Lending Manager on a weekly basis.

Why Join Us?

  • Work with a forward-thinking and supportive team who cares about your welfare
  • Opportunities for self-development and learning programs
  • Competitive salary and benefits package
  • Health and life insurance scheme for yourself and dependents
  • Be part of a mission-driven organization that values integrity and accountability

 

Please forward your CV and a cover letter addressing the key competencies above with copies of qualifications to:

Head of Human Resources

NASFUND Contributors Savings & Loan Society Ltd.

P.O Box 7732,

BOROKO,

National Capital District

Or Email: recruitment@ncsl.com.pg

Subject: Job Application – Team Leader Lending

 

Applications close Wednesday, 18th February 2026, only shortlisted applicants will be contacted for an interview.

Categories
careers

Data Analyst

NCSL, the largest Savings and Loan Society in PNG is undergoing an exciting transformative journey to further enhance its service to its members and to be ready for the future.

We now seek to recruit a Data Analyst to further strengthen our Team to drive business growth, by analysing data and identifying opportunities for improvement.

Key Responsibilities:

  • Monitor and analyse financial data to assess portfolio performance and credit risk,
  • Develop and maintain credit scoring models to evaluate borrower creditworthiness,
  • Monitor and report on portfolio trends, identifying areas for improvement,
  • Collaborate with risk management and business teams to inform credit decisions,
  • Ensure data accuracy and compliance with regulatory requirements.

Essential Qualifications, Technical Skills & Experience:

  • Proven exposure in credit risk modelling or data analysis in a similar work environment,
  • Possess more than (1-2) years of proven exposure in data analysis or credit risk in a Banking and Finance Institution,
  • Diploma Qualification in Finance, Economics, Mathematics or related field,
  • Proficiency in Excel, SQL, and data visualization tools like Tableau,
  • Strong analytical, problem-solving, and communication skills.

Why Join Us?

  • Work with a forward-thinking and supportive team who cares about your welfare,
  • Opportunities for self-development and learning programs,
  • Competitive salary and benefits package,
  • Health and life insurance scheme for yourself and dependents,
  • Be part of a mission-driven organization that values integrity and accountability.

If this opportunity is what you’ve been looking for, please forward updated CV with a cover letter addressing the key competencies above with copies of qualifications to:

Head of Human Resources

NASFUND Contributors Savings & Loan Society Ltd.

P.O Box 7732,

BOROKO,

National Capital District

Or Email: recruitment@ncsl.com.pg

Applications close Wednesday, 18th February 2026, only shortlisted applicants will be contacted for an interview.

Categories
Media Release

From Curiosity to Commitment – Journey with NCSL

On a quiet day in Lorengau, a family of eight walked through the doors of the NCSL Lorengau Branch not just to open accounts, but to begin a shared commitment to saving together.

The Fisiva family arrived as one: two parents and their 6 children, ready to become members of NCSL Savings & Loan Society. It was a simple moment, but one that captured the essence of what NCSL stands for supporting financial security not only for individuals, but for families who want to save together to plan for unexpected situations and their future. For Mr. Ondy James Fisiva, the decision began weeks earlier in December 2025, when he noticed a NCSL banner displayed outside the Lorengau Branch. Curious, he walked inside the Branch Office to know more. What he found, he said, was clarity, patience, and genuine customer care from our customer service office, Brenda Komet.

That positive experience inspired him to return, this time with his entire family.

Inside the branch, each of his children opened a Kids Savings Account and took advantage of the free membership ID cards as well. More importantly, the children made their first very step to learn early about saving and the value of planning for the future.

What encouraged the Fisiva family most was not only the warm service, but the opportunity which NCSL provides. NCSL’s Kids Savings Account offers currently an interest rate of 6 percent
per annum, a compelling incentive for parents who are looking to grow their children’s savings over time. For example, a one-off deposit of K1,000, left untouched, will grow to approximately K1,340 after five years at an interest rate of 6% per annum.

“That interest rate motivated me to bring all my children and register their Kids Savings Account,” Mr. Fisiva said. “Now that we have the branch here, it makes it easier for us to come straight to
the officer to do deposits and withdrawals.”

By sharing their story, the Fisiva family hopes others in their community will also see the importance of starting early and saving money consistently. Their experience reflects a message NCSL continues to champion across Papua New Guinea that saving doesn’t need to be complicated or overwhelming. It starts with one simple visit whether it be at the branch, browsing our website or attending employer awareness sessions, a decision made to take control
of your family’s financial wellbeing.

For parents who want to give their children a strong financial start, NCSL’s Kids Savings Account offers a practical place to begin earning 6 percent interest per annum while instilling a lifelong habit of saving. Parents are encouraged to visit their nearest NCSL branch and open an account for their children today.

As part of our purpose to make saving simple, accessible, and empowering for every member NCSL also offers the Education Savings Account allowing parents to put aside as little as K20.00 a
fortnight. This small, steady commitment helps families prepare well in advance for school fees and education-related costs. Most importantly, it gives members the reassurance that when school time comes, these expenses can be met without stress or worry. It is one more way NCSL
stands beside its members.

Categories
careers

Customer Service Consultant, Kimbe Branch

NCSL, the largest Savings and Loan Society in PNG with over 160,000 members, is currently undergoing an exciting transformative journey to further enhance the service to members and to be ready for the future.

We are currently seeking a Customer Service Consultant, based at our Kimbe Branch, and reporting to the Lead CSC.

Key Responsibilities:

  • Maintain consistent delivery of exceptional member service at the branch,
  • Create and maintain professional business relationships with key employers and business stakeholders in the branch catchment area,
  • Review and assess new member applications received and liaise with Head Office for registration,
  • Assist with Branch sales and product promotions, and coordinate awareness drives and mini campaigns in the branch catchment area,
  • Maintain service efficiency, digital adoption and member convenience.

Essential Qualifications, Technical Skills & Experience:

Proven exposure in providing first-class customer service in a timely manner in a similar work environment,

  • Diploma Qualification in Sales and Marketing, Business Management, Banking & Finance, Accounting or related field,
  • Strong customer experience and ability to interact and cooperate with all staff and maintain professionalism that meets company core values.

Why Join Us?

  • Work with a forward-thinking and supportive team who cares about your welfare
  • Opportunities for self-development and learning programs
  • Competitive salary and benefits package
  • Health and life insurance scheme for yourself and dependents
  • Be part of a mission-driven organization that values integrity and accountability

 

Kimbe based candidates are encouraged to apply as accommodation is not a benefit.

Categories
Media Release

Loan Repayment Table

 

Click to download

Categories
Media Release

Enjoy This Season with Care & Confidence

As the festive season approaches, NCSL is reminding members that financial flexibility is within
reach. With holiday travels, family commitments, and major expenses often creating added
pressure, NCSL’s Higher Ratio Lending options 1:2 and 1:5 is designed to help members
borrow responsibly and affordably.
“Our goal is to make life easier for our members during this busy time,” said Mr. Frans Kootte,
Chief Executive Officer at NCSL. “We understand the realities of the season and want to ensure
members have access to funds without unnecessary stress.”
What makes our Higher Ratio Personal Loans stand out?

  • Borrow up to 2x or 5x of your savings
  • Flexible repayment terms
  • Affordable interest rates from 20% – 26% per annum
  • No account keeping fees
  • Apply via MyNCSL Member Online

These options are ideal for major expenses to festive travel and family commitments. Our
priority is to ensure you have access to funds when you need them most, at rates that remain
competitive and affordable because at NCSL, we don’t just provide loans we provide solutions
for your peace of mind.

 

Terms & Condition’s apply. Interest rates effective July 1, 2025, and subject to change.

Categories
Media Release

Make the Season Count with NCSL

As the festive season approaches, many Papua New Guineans begin planning to travel home, reconnect with loved ones, and honour cultural traditions. It’s a time of joy, reflection, and renewal and at NCSL Savings and Loan, we’re here to help you make it truly meaningful.

Whether you’re saving for travel, gifts, or family obligations, our Christmas Savings Account offers a smart way to prepare. With a 6% interest rate per annum, your savings grow while you plan ahead. Start now and enjoy a stress-free holiday season with funds ready when you need them most.

For those needing extra support, our personal loan options are designed to be flexible and accessible. Borrow starting from K200.00 with terms ranging from 6 to 60 months, and interest rates starting at 14% per annum. While you repay your loan, your savings remain untouched, continue to earn 6% interest per annum, and stay ready for your future goals. It’s borrowing made smarter. Whether it’s for festive
expenses or end-of-year goals, our loans help you stay on track without the financial strain.

And with MyNCSL Member Online and mobile app or Mobile USSD Service (*628#), managing your finances has never been easier. Apply for loans, check balances, and track your savings at anytime wherever you are.

This season don’t just spend plan, save, and celebrate with confidence. We remain committed to providing affordable and accessible products and services tailored to your needs for different seasons.

 

Categories
Media Release

Withdraw, Shop and Pay with Ease—Get Your Poro Card Today!

The festive season is here, and managing your money should be the least of your worries. That’s why NCSL Savings & Loan has the Poro Card, your everyday debit card linked to your Poro Account, giving you the convenience to shop, pay, withdraw, and even access loans instantly.

With your Poro Card, you can:
• Pay at EFTPOS terminals nationwide
• Shop in-store without carrying cash
• Withdraw funds at ATMs whenever you need
• Get instant access to loans credited straight to your Poro Account

How It Works
Transfer funds from your NCSL Savings Account into your Poro Account using MyNCSL or USSD (*628#).
Swipe or insert your card at EFTPOS machines or ATMs across PNG. And if you need extra cash, apply for
a 1:1 Loan—it’s instant approval, and funds are credited straight to your Poro Account. No waiting, no
hassle.

Apply Today
Scan the QR code on the flyer, visit www.ncsl.com.pg, or call 207 2000 for assistance.
Make your money work for you—get your Poro Card now and enjoy the freedom to shop, pay,
withdraw, and borrow with ease.

APPLY NOW
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