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Bank hufanyia nini deposits za wateja wake?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Smarter, Jan 26, 2011.

  1. Smarter

    Smarter JF-Expert Member

    #1
    Jan 26, 2011
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    Salaam kwenu,

    1. Naomba nisaidiwe kwenye hili, Ninapo/tunapo deposit pesa zetu Bank, wao Bank
    wanazifanyia nini hizi pesa?
    2. Ni vipi unaweza ku-insure pesa, mfano ninapesa zangu nataka zikae home....Naweza kuzi
    insure?
    3. kama nimechukua Mkopo sehemu, naweza ku insure hiyo pesa, Je mfano nimechukua
    Million 15.........Insurance charge inaweza kuwa Kiasi gani % gani ya pesa hii?

    Tafadhali msaada tafadhali, Unaweza kunijibu swali lolote kati ya haya.

    Asanteni
     
  2. Rich Dad

    Rich Dad JF-Expert Member

    #2
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    1. Biashara kubwa ya banks kwa tanzania ni loans! kwa hiyo wanafanya deposit mobilisation kwanza then ndo wanakopesha. wanafaidika kutokana na interest wanayocharge, na fees mbalimbali za kuprocess mkopo wako.

    2. katika Insurance firms kuna products mbalimbali ambazo ni special kwa ajili ya ku insure mali ikiwamo na pesa, sijaona wala kusikia hata moja ambayo inarushusu ukae na pesa zako nyumbani. Na sababu nayofikiri ni kwamba ukikaa na pesa nyumbani risk inaongezeka maradufu, kitu kinachokinzana na insurance policies.

    3. Kama umechukua mkopo kwenye hizi benki kubwa ( let say CRDB, NMB, NBC, Stanbic etc) ni lazima uwe insured, na insurance inategemeana nadhani na kampuni waliyoingia nayo ubia, na insurance huwa ni either life insurance policy au kwenye property.
    Kwenye hizi microfinance maranyingi huwa hawatumii insurance policies, wao wanatumia gurantee ambayo yaweza kuwa ni group liability scheme au personal guarantee.
     
  3. m

    masssaiboi JF-Expert Member

    #3
    Jan 26, 2011
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    wanazitia kwenye INCUBATORS zitotoe vifaranga pesa ili nao wapate faida,
    ha ha haaaaahhh!!!!
    JF so boring these days.
     
  4. Chapakazi

    Chapakazi JF-Expert Member

    #4
    Jan 26, 2011
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    wanawekeza....
     
  5. Rich Dad

    Rich Dad JF-Expert Member

    #5
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    Watu wote hawawezi kuwa na uelewa sawa!!! Japo naamini kuna mambo ya kawaida kila mtu anapaswa kuyafahamu ( General awareness knowledge). Wakati mwingine naona hata mazingira ya nchi yetu sio conducive kumfanya mtu aweze kufuatilia mambo yanayotokea ndani na nje ya mipaka ya Tanzania.
    Utacheka sana ukiwauliza baadhi ya watu: hivi mlima mrefu kuliko yote afrika unaitwaje?? na unapatikana nchi gani?? mtu hajui maskini...hadi huruma.
     
  6. Smarter

    Smarter JF-Expert Member

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    Jan 26, 2011
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    Asante Mkuu,
    Najaribu kuangalia any loop hole Kwenye Insurance (hasa kama naweza ku insure pesa) Umenipa Mwangaza.
    Maana yangu ni kwamba, Say I am having 20Millions Cash, this money in Liquid haiwezi kuwa insured ikiwa mikononi mwangu, Kama iko bank, Bank ndio ina insure saving zake.

    Any way Naona na loose focus nikiwaza.

    Nashukuru Mkuu
     
  7. Smarter

    Smarter JF-Expert Member

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    Jan 26, 2011
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    Asante Masai boy!
    Tuvumilie tu, Ingawa later itabaki story.
     
  8. Smarter

    Smarter JF-Expert Member

    #8
    Jan 26, 2011
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    Shukrani!
    Kimsingi natamani sana kujua whats happening behind normal user (depositor)
    Vitu like what are secret of Banking system. Things that Banks hide from Us..............

    Like I know Kwa kila Loan application 1 Bank inapata double or thrice of the amount.

    Asante
     
  9. VoiceOfReason

    VoiceOfReason JF-Expert Member

    #9
    Jan 26, 2011
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    Mkuu kuna maximum amount ambayo kama benki ikifirisika Government inaweza kukurudishia (I dont know about Tanzanian Banks) lakini UK nadhani amount hiyo ni kama 700,000/= GB pounds..., (am not exactly sure about the amount) sasa mfano una 1million pounds na benki inafilisika, serikali inaweza ikakurefund 700K peke yake thats why baada ya credit crunch baadhi ya matajiri walijitahidi kuspread pesa zao benki tofauti..., Am sure hii nchi ilivyo ya kisanii Benki ikifilisika pesa zako ndio sahau it will be another DESI
     
  10. babalao

    babalao Forum Spammer

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    Benki inatumia akiba zetu kutoa mikopo na baadhi ya benki huwa zinakulazimisha kuweka insurance ya mkopo wako pamoja na collateral. Benki inawekeza fedha zako kwenye dhamana za serikali, inawakopesha wateja wengine, na kiasi kingine inapeleka Benki kuu kama dhamana ya akiba za wateja wake.
     
  11. Wakumwitu

    Wakumwitu JF-Expert Member

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    Jan 26, 2011
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    You think so??? I guess mdau ameuliza swali ambalo watu wengi Tanzania hawajui. Ninamshukuru mdau aliyetoa ufafanuzi hapo juu kuhusu nini benki inafanya ili iweze kujiendesha na kupata faida. Kuchukua mkopo benki pia huo mkopo ukawa na insurance, hii ina maana kuwa pale unaposhindwa kulipa basi insurance inafidia lile deni benki na hasara inapungua. Mfano unaweza kuchukua mkopo benki wa kununua gari na ukawa una finance kila mwezi, Gari hiyo inaweza kupata ajari na ikawa written off, insurance italipa hilo deni na ww ukawa debt free.
     
  12. Wakumwitu

    Wakumwitu JF-Expert Member

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    Kaka kwa ujumla 20 miliions kuwa nazo alafu uinsure inakuwa ngumu. Kwanza utatuhakikishiaje kama hizo pesa zitakuwa salama? Mfano unazihifadhi ww alafu zikaibiwa ni nani atakayetusibitishia kuwa hizo pesa kweli zimeibiwa. kwa sababu hata taarifa za polisi mara nyingi zinachakachuliwa. Hii inawezeka kama unakopesha hizo pesa kwa watu alafu ukawa una insure hiyo mikopo na insurance company ili kama wale unaowakopesha wakishindwa kuludisha basi uweze kuwa compansated. Japo kwa wabongo watachakachua ile mbaya, uaminifu kwetu bado sana. Biashara ya insurance premium utakayolipa inategemea "likelyhood" ya either ajali kutokea ama laa. Kama wanajua kuwa "incidents is very likely to happen" ujiandae na premium kubwa ajabu, ama wakatae kukupa policy. Nani asiyependa faida???
     
  13. Rich Dad

    Rich Dad JF-Expert Member

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    Pia kumbuka insurance firms zinatakiwa kutengeneza faida!!! so wanajitahidi ku-insure katika mazingira ambayo chances za ku-loose ni very minimal...............ha ha ha hapa ndo huwa naupenda ubepari, emphasis ni kwenye win - loose situation na sio win-win situation!
     
  14. Smarter

    Smarter JF-Expert Member

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    Jan 27, 2011
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    Wakuu,
    Babalao, Rich Dad, Wakumwitu.

    Thanks kwa michango ya mawazo.
    Nawashukuru,
     
  15. P

    Prime Dynamics JF-Expert Member

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    Jan 27, 2011
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    Mkuu nakujibu jinsi nilivyo elwa maswali yako.

    1. Mkuu pesa ndio zao kuu la benki I hope unalitambua hilo. Unapo deposit pesa zako benki, hiyo cash yako kwa benki inakuwa ni asset to that bank in such a manner that wanatumia hizo pesa zako kukopesha wakopaji ili walipe riba wanayo pangiwa na benki husika. Na pia ukikopa 15m benki, hiyo pesa uliokopa inakua liability to the bank. There4 utakuta kwamba if you deposit pesa interest unayolipwa (depending on the type of account) na benki nindogo kuliko riba utakayo lipa benki ukikopa. Wanatumia pesa zako kupata pesa. Pia kumbuka kwamba ukideposit pesa benki hutoweza kutoa pesa zote lazima kiasi kidogo kibakie benki. Kuna percentage kwa kila deposit inayotakiwa to be held within the bank. Ndio maana huwezi kutoa pesa zote. Mfano mwingine, Benki ya Stanbic kwa sasa inatangaza sana mikopo kwa wale waliona fixed deposits. Actually they came up with such an idea kwa vile the withdrawals are higher than the loans. Banks don't make much money when you withdrawal but they make money when you take a loan and they become safer when you make deposits.

    2. i) If you put your money under the mattress unarisk sana mkuu. Kwanza hutokuwa na guarantee kwamba ukienda kazini utakuta nyumba ikosalama. Kila ukionapo simu ya nyumbani mapigo ya moyo yatabadilika kwa rate kubwa hata kabla hujaanza kuongea. Chung asana usije ukapata majonjwa ya kujitakia!! No assurance. BUT if you deposit pesa zako benki kwa mfano on a fixed account, pesa zako ziko insured na benki husika.
    ii) Tukienda kwa upande wa insurance firms hakuna firm itakayo kubaliana na wewe kuweka pesa nyumbani bcoz insurance firms are not there to create risks. Sheria ya insurance hairuhusu.
    iii) Mkuu I hope wewe sio fisadi kwanini hutaki kupeleka pesa benki??!!! Nakupa hii mbinu ya kifisadi. Katika banking (or financial institution) kuna program called CDARS, which stands for the Certificate of Deposit Account Registry Service. Hii service inakuruhusu wewe depositor to insure funds zako hadi $50m kwa kuruhusu benki husika kusambaza kiwango cha pesa zako over several accounts in order to fully insure your money. Kwa hiyo benki huwa zinasaidia mafisadi kuficha idadi ya pesa walizonazo ili kiasi kamili kisijulikane kwa kutumia sheria hiyo ya CDARS.

    Kwa hiyo mkuu ukiweka pesa home zitaliwa na panya!! Bora zipeleke benki.

    3. Its like wewe unataka to insure pesa taslim!! Ila nakubaliana na RICH DAD kama alivyo elezea katika hiki kipengele kuhusu insurance za microfinance na beki kubwa. Ila mimi nakushauri insure either biashara yako au collateral yako kabla hujachukua huo mkopo. Ukifanya hivyo benki watakupa mkopo kwa riba nafuu kwavile tayari benki husika itakuwa na uwakika wa kupata pesa zake kwa vile uko na insurance. Napia utakuwa na uwezo wa kuuza huo mkopo wako (ambao unadaiwa na benki ulio kopa) kwa benki nyingine just incase ukizidiwa. Na riba ya insurance firm kama National insurance cooperation (NIC) if you are insure your collateral ni 2.5% kwa mwaka kama upo hapa bongo.
    So make sure angalau you play with two banks while depositing pesa zako.
     
  16. NGULI

    NGULI JF-Expert Member

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    Kwa TZ banking policy, Bank haiachi hadi ife na ndio maana kunakuwa na auditors wa BOT(Banking supervision) na wale externa auditors kama PWC au deloitte. Wakiona kuwa impairment/provision inakuwa kubwa sana kwenye vitabu vya bank na kupita nusu na kuendela ya core capital ya bank basi hio bank inawekwa chini ya uangalizi wa BOT(receivership) na kuhakikisha kuwa wateja wote wanalipwa hela zao na wale wadaiwa sugu wanalipa madeni ili fedha za kuwalipa wengine walio deposit zipatikane

    Mkuu point of corrction, insurance ambayo bank wanakulazimu wewe kukata ni ya death insurance ili ukifa wao wasife/wasipate hasara walipwe fedha zao.

    Back to mleta thread,

    Watu wamekujibu vizuri lakini kuna maswali mengine hajajibiwa na najua watu wangependa kujua kwa mfano, kwa nini mwaajiri anakulazimisha lazma mshahara wako upite bank flani? na ukupita kesho una draw wote je ni faida gani bank wanapata kwa wewe kupitisha mshahara wako pale?
     
  17. babalao

    babalao Forum Spammer

    #17
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    Nguli jabali, Mwajiri anakulazimisha kupeleka mshahara benki ili kupunguza risk ya wizi wa mishahara inayolipwa dirishani.Bank wanapata faida kwa kucharge bank charges kwa hundi zinazolipwa na wateja ikiwemo hundi ya mshahara. Kuhusu wewe kudraw pesa zote bado wale jamaa watazizungusha pesa zako kwa muda fulani kabla hujazichukua. Pia kwa wewe kuwa na akaunti pale utaacha book balance, hiyo pia wanaweza kuizungusha kwa kuikopesha kwa watu na kupata faida. Faida nyingine wanakuchaji bank charges kila mwezi kama ledger fees, atm withdrawal fees, cheki ikibaunsi na mengine mengi wananufaika sana hawa jamaa bila kutoka jasho jingi kiulaini. Infact wataalamu wa mambo ya fedha wanasema ukitaka kuwa tajiri fanya biashara ya benki.
     
  18. Smarter

    Smarter JF-Expert Member

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    Feb 3, 2011
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    Asante Sana Mkuu, Prime DYnamics!
    Hii shule imenisaidia sana.

    Sasa mfano nachukua mkopo kwa kutumia salary, kuwa makato yanapita kwa Bank. Meaning sina collateral, Hapa sioni a way ya Insurance. And unaweza ku insure shamba lisilo na mazao?

    what about kiwanja?

     
  19. P

    Prime Dynamics JF-Expert Member

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    Mkuu kama unachukua mkopo benki your salary is assurance kwa benki that they won't lose their money. So mkopo wako uko insured na salary yako au mwajiri wako. Ndio maana benki hawakupi mkopo kama documents za mkopo hazina sahihi ya mwajiri wako. Benki are profit making financial institutions kwahiyo zao lao ni pesa. As a result they only make much money once unapo kopa.
    Mkuu shamba ua kiwanja ni asset sasa basi it depends what type of insurance unaitaji hapa. mfano unaweza kuinsure shamba au kiwanja chako kulingana na kiasi cha pesa unachoitaji benki. Sio lazima kiwa na mazao. Utapewa bond from insurance. Ila sio insurance zote zinatoa bond. But NIC wanatoa.
     
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