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Bora mkopo wa majuu kuliko bongo kama nafasi inakuruhusu

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Candid Scope, Dec 22, 2011.

  1. Candid Scope

    Candid Scope JF-Expert Member

    #1
    Dec 22, 2011
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    Mikopo kwenye mabank ya Tanzania riba kubwa mno kiasi cha mfanya biashara kuzalishia bank badala ya kutia pesa mfukoni. Bank za Tanzania riba zinatisha kufikia hadi zaidi ya 15% wakati majuu mkopo wenye secured acoount ni free for short term kwa baadhi mabank na ni 3% - 4% for long term loam. Hapa nimegundua sababu ya wafanya biashara wengi kuwa na acoount nje ambako wanafanya ndio mabank ya kukopa pesa badala ya mabank nchini. Wasio na access ya kuwa uwezo wa kufungua account majuu kwa sababu ya mashari ndio wanaoumia katika mikopo ya mabenk yetu.
     
  2. Candid Scope

    Candid Scope JF-Expert Member

    #2
    Dec 22, 2011
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    Kama unachukua mkopo wa 1,000,000 maana yake zaidi ya 200,000 utazitumbukiza bank kwa mfumo wa riba za Tanzania, na kwa tathmini ya haraka hiyo ndio net profit anayotazamia mfanyabiasha kuipata katika mkopo huo. Kwa mtindo huu mfanyabiashara asipokuwa na biashara yenye kuweka pesa yake kwenye mzunguko wa haraka kupata faida ya haraka ataishia kurudisha mkop huku bado hajajenga capital ya kutosha kuendeleza biashara yake, kisha ataendelea na biashara za mabanki kupata mkopo mwingine kuwanufaisha.
     
  3. M

    Malila JF-Expert Member

    #3
    Dec 23, 2011
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    Ni sawa kwa wenye nafasi hizo ambao ni wachache sana, Vipi mwalimu aliyeko Tunduru ambaye hata kufika Songea mjini ni issue huo unafuu wa mkopo wa majuu ataupataje? tuiombe serikali iwaombe wenye mabenki washushe riba ili sote tunufaike.
     
  4. Candid Scope

    Candid Scope JF-Expert Member

    #4
    Dec 23, 2011
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    Umenipata vizuri, kwani maana yangu ya kuanzisha mada hii ni kuonyesha jinsi mabenki ya hapa Tanzania yanavyojiendesha kibiashara bila kufikira kutoa huduma stahiki kwa wananchi. Kiwango cha tozo za riba ni kikubwa mno wakati wengi wanatafuta mikopo ni mtaji wa kuanzisha biashara, atashtkia hata mtaji unaishia kwenye benki badala ya kugawana profit.
     
  5. Candid Scope

    Candid Scope JF-Expert Member

    #5
    Dec 23, 2011
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    Wahindi wanautumia vizuri sana mfumo huu, na sisi wabongo tungejaribu kuenzi mfumo wetu wa ujima kwa wenye nafasi ya kukopa nje tushirikishwe kwa maana ya Inc. na inaweza kutusaidia kusimamisha miradi yetu ya biashara, lakini mikopo ya bank za bongo inakatisha tamaa na kutia khofu.
     
  6. OGOPASANA

    OGOPASANA JF-Expert Member

    #6
    Dec 26, 2011
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    taratibu gani zinahitajika kufungua akaunti katika mabenki ya huko nje ukiwa huku bongo, nchi zipi ni nzuri kuweka akiba? challenges? wana taratibu gani za mikopo?
     
  7. Candid Scope

    Candid Scope JF-Expert Member

    #7
    Dec 27, 2011
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    Nchi nyingi za Ulaya na Marekani ukiwa na visa au leseni ya biashara unaweza kufungua account. Nchi za majuu wanajali zaidi manufaa ambayo bank zao zitanufaika na malimbikizo ya pesa kwenye account yako tofauti na Tanzania ambako utazungushwa mtu kana kwamba unataka kuchukua pesa zao kumbe unawaongezea.

    Ukishaweka pesa kwenye bank, unaweza kuchukua pesa isiyozidi ile uliyoweka na kufanyia shughuli zako, na kama kwa muda mfupi bank nyingi hakuna interest, na kama kwa muda mrefu kuna riba kidogo pungufu ya 4% ambayo kama biashara yako inaendelea vizuri haina ugumu wa kuirudisha.

    Utaratibu huu ni mzuri katika maana ya kutotumia mali isiyohamishika kuweka rehani kama nyumba. Bora biashara ikikushinda wachukue pesa ulizoweka secured kule bank kuliko kukunyang'anya nyumba yako kama umeiwekea reheni kupata mkopo.

    Utaratibu huu unawafaa walio na mtaji wa kuanzishia biashara, lakini kama huna mtaji basi inabidi kutumia bank za bongo ambazo utaweka rehani nyumba au gari yako ambavyo mambo yakikuendea kombo utabaki maskini jambo ambalo wengi hawapendi kujiingiza kichwa kichwa.
     
  8. BAK

    BAK JF-Expert Member

    #8
    Dec 27, 2011
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    ...Yaani riba ambayo sasa hivi inatozwa na bank za nchi za magharibi ingekuwa riba kama hii inapatikana nchini basi wengi wangeweza kukopa na kufanya shughuli za maendeleo za aina mbali mbali ili kuinua viwango vyao vya maisha na hivyo kuinua uchumi wa nchi. Sasa hivi variable rates katika baadhi ya nchi ni 2.75% na fixed rates ni 3.3% (5 years), lakini nchini bank zinatoza 15% huu ni wizi wa hali ya juu.

     
  9. Candid Scope

    Candid Scope JF-Expert Member

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    Dec 27, 2011
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    Mikopo ya nyumba Marekani mortgage ni 3% - 6%. Maana yake kama unachukua mkopo si zaidi ya 15years riba ni 3% na wale wa 35 years ndio inapanda kuwa zaidi ya 4%. Lakini mikopo ya shirika la nyumba Tanzania ni kuanzia 19% - 25%, hapa unaweza kuona tofauti kubwa iliyoko. Kwa hali hiyo mabenk ya Tanzania ni wizi mtupu na hawajali hali halisi ya maisha, na kwa upande mwingine yanadidimiza uchumi badala ya kuuinua.

    Biashara gani utaifanya kurudisha riba ya kiasi hicho maana yake faida yote utairudisha bank na pengine utakapomaliza mkopo biashara isipokukalia vizuri utakuwa umeshafilisika na kuhitaji mkopo mwingine.
     
  10. Ozzie

    Ozzie JF-Expert Member

    #10
    Dec 27, 2011
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    Hivi tufanyeje kuwasumbua hao jamaa wenye hizo bank? Tuandamane? Au tifungue vyama vya watumiaji mabenki ili tuwe na msemo mmoja?
     
  11. Candid Scope

    Candid Scope JF-Expert Member

    #11
    Dec 27, 2011
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    Hilo ndilo tunalotakiwa kufikiria namna ya kufanya. Wenye nafasi ya kuchukua mikopo nje wafanye na kwa uwazi ili waone hasara wanayopata kwa kukosa wateja wenye pesa nzuri. Nimeanzisha mada hii nikijua kuwa wahusika na mabenki hupitia huku na kusoma na wanalijua hili. Kwangu mimi kama nafasi inaniruhusu bora nikafungue account majuu ambako nitapata mkopo kwa riba nafuu kuliko kukopa kwenye mabenki ya Tanzania.

    Wabunge wetu katika vikao vya bunge wanatakiwa kututetea wananchi juu ya jambo hili, wao wabunge hawaonji adha hiyo kwa vile pesa isipowatosha wanajiongezea, sisi tusio wabunge tunabaki kupiga miayo tu. Afadhali ya bepari anaachia kidogo kusudi kesho aje kuchuma tena, lakini hawa kaka zangu ni kukomba kila kitu bila huruma ni sawa na anayeua nyani hamtazami usoni.

    Wenzetu hata kupata money oders ni bure kwa vile unawapa pesa kwa ajili mzunguko wao wa kiuchumi wenye kuwanufaisha, lakini bongo wanaendelea kukandamiza mbavu mpaka zinavunjia, hii hatari kweli kweli.
     
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