Carpenters Finance is the Group Financial & Credit Services division of Carpenters Fiji Limited, a trusted household name in the Fiji Islands with 137 years of experience in commerce and trading in the Pacific Islands. Currently with revenues of over $300 million and with over 2000 employees, the Carpenter Group, owned by MBf Carpenters Fiji Limited, is the largest private sector enterprise playing a major role in the country's economy.

Carpenters Group in Fiji consists of Morris Hedstroms, Carpenters Hardware, Carpenters Motors, Carptrac, Carpenters Shipping and Carpenters Engineering (IMEL).

We offer the following financial products and services to our customers:

Hire Purchase financing for both new customers and additional accounts for existing customers.
Carpenters Credit Card for personal shoppers.
30-Day Trade Accounts for registered businesses and enterprises.
Carpenters Mobile Fleet Cards for motor vehicle fuel accounts. This facility also offers a monthly Fleet Management Report highlighting statistics on the operations of your fleet.
As the most experienced retailer in Fiji and with the support of our international resources, strength and acknowledge, we also provide Credit Reports and References.



Our Vision

To provide world-class financial products and services to the operating divisions within CFL Group with global competitive advantage.

We are committed to rewarding shareholders with the highest of return expected of a leading global finance company through quality, competitiveness and professionalism.

Our Mission and Objectives

1. TO SUPPLY GLOBALLY COMPETITIVE AND QUALITY FINANCIAL PRODUCTS SERVICES AND DEALS

WE WILL ENDEAVOUR:

  • To deliver the highest quality financial product by integrating three components of our customer-focused management philosophy; Quality. A Scientific Approach and All One Team.
  • To provide customers with the best customized and well diversified financial products and services, competitively priced with maximum efficiency
  • To stay close to customers, listen to their needs and provide the very best financial solution and facilities and to serve their needs through all kinds of market and economic conditions
  • To set our pricing based on a fair cost to our customers and a fair return our investors and employees.
  • To be more efficient on a global basis by combining the know-how, local intelligence and optimal blending of all our divisions vital resources, strategy, technology, process and people to meet customers changing needs.
  • Continuously improve product quality and performance
  • Sustain profitability

2. TO BE FAIR AND HONEST IN OUR DEALINGS

WE WILL ENDEAVOUR TO:

  • Always deliver what we promise and will not make any substitutions or changes without the customer’s full knowledge and consent
  • Operate our business in compliance with government laws as well as universal understandings of fair and ethical practices.

WE WILL NOT:

  • Participate in any dealings which involve bribes, payoffs, “silent” commissions, inside deals with agents, gifts, or any other direct or indirect payoff for receiving business.
  • Allow conflicts of interest to exist between our investors, board members or employees and customers.
  • Participate in any deals designed to defraud owners, investors, or government

3. TO MAINTAIN A CUSTOMER DRIVEN ORGANISATION.

WE WILL ENDEAVOUR TO:

  • Understand business, corporate culture and need by acknowledging each customers individual requirements. We will work together to create customer-tailored financial products and solutions that yield superior results in cost management and customer services by:

      • Creating a quality organization
      • Applying quality management concepts
      • Training and providing motivation strategies
      • Sharing continuous improvement techniques

  • Customer oriented, innovative and committed to the communities we serve through total business capabilities, professional manpower and world-class infrastructure and to steer ahead of competition.

WE WILL NOT:

  • Recommend a financial package, deal, product or service which we know is not what the customer wants or needs, but may be the least difficult or more profitable for us to supply.
  • Attract customers with non-genuinely low purchase deposits, prices and promises, and then take advantage of them after the deal, with high and unresponsive and costly maintenance or credit facilities

4. TO RESPECT OUR EMPLOYEES AND PROVIDE THEM WITH OPPORTUNITIES FOR PERSONAL GROWTH

WE WILL ENDEAVOUR TO:

  • Pay our employees a fair and honest remuneration
  • Include our employees in as many management decisions as possible with special attention to decisions which involve them personally
  • Make every effort to improve the quality of our employees’ jobs through such things as health insurance, holiday and sick leave, maternity leave and other benefits which enrich their lives
  • Provide our employees the opportunities for professional growth through training and education.

WE WILL NOT:

  • Discriminate against employees on the basis of gender, age, race or religion in either terms of opportunities for employment , or advancement, or salary.
  • Build our profits by exploiting our employees

5. TO BE A GOOD CORPORATE CITIZEN

WE WILL ENDEAVOUR TO:

  • Support, and contribute to various community enriching organizations, projects and campaigns
  • Encourage our employees to participate in organizations and activities, which improve our community.
  • Make every effort to be environmentally responsible and support efforts which protect and improve the environment

WE WILL NOT:

  • Knowingly carry out any business activity that is detrimental to the community or the environment.

Organisation Chart
 
Carpenters Fiji Group