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DECI Tanzania: Ilivyoanza, ilipo na hatma yake

Discussion in 'Jamii Intelligence' started by Kasungura, Jan 13, 2009.

  1. K

    Kasungura Member

    #1
    Jan 13, 2009
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    Kwa mtu yeyote mwenye kukifahamu vizuri hiki chombo kinachojishugulisha na biashara ya pesa wao wasema kupanda na kuvuna atuhabarishe.

    Kila kona ya Dar na baadhi ya Mikoa hapa nyumbani TZ DECI wanakusanya pesa na kurudisha kwa faida kubwa.

    Tunaomba kuwafahamu vizuri ili tukiamua kujiunga nao tusiwe na mashaka kama yale yaliyowahi kutukuta ya UPATU.

    Plz wenye data zitakazo tusaidia msisite.
     
    Last edited by a moderator: Apr 10, 2009
  2. E

    Endaku's JF-Expert Member

    #2
    Jan 13, 2009
    Joined: May 25, 2007
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    DECI
    Kuhusu DECI nachoweza kukusaidia ni kweli ipo na baadhi ya ndugu zangu wa karibu wamewekeza hapo kwa kuweka 200,000 baada ya miezi minne au tano wanapata faida 200,000 nyingine ,kuwa member ni 50,000 na 200,000 ndio maximum ya kuweka , lakini hata mimi bado sijaijua vizuri ila nina hakika ipo eneo moja hapa DAR panaitwa MABIBO mwisho kituo cha daladala ukiuliza DECI utapelekwa , their phone +255 22 2400879 !
     
    Last edited by a moderator: Apr 10, 2009
  3. Fidel80

    Fidel80 JF-Expert Member

    #3
    Jan 13, 2009
    Joined: May 3, 2008
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    Hawa jamaa naskia wapo toka zamani ni kama inamilikiwa na dini ya kikristo sijajua dhehebu gani....wanacho fanya unaingia uanachama kwa sh.20,000/= kwa sasa ukipanda 200,000/= ambayo ndo maximum kwao unakuja kuvuna 300,000/= baada ya wiki 16 kwa hiyo jumla unakabidhiwa 500,000/= ila kuna riba wanakata pesa ndogo sana katika hiyo 300,000/= utakayo pewa.Kwa hiyo ukiamua kuvuna zote ni wewe au ukiamua kupanda tena ni wewe.Wao hawapokei zaidi ya 200,000/= kwa kupanda lakini unaweza ukapanda zaidi na zaid kwa interval tofauti.

    Ni kweli watu wanavuna wengi nimewashuhudia wamevuna pesa kibao pale.
    Swali la kujiuliza hawa DECI wakipokea hiyo 200,000/= wao wanafanyia nini?wanabiashara gani?faida wanapataje?

    Hawa jamaa walikuwepo toka miaka kama 3 nyuma watu walicho kuwa wakifanya walikuwa wanafanya siri kwa hiyo ilikuwa vigumu kwa mtu kugundua kama wana operate kwani mtu alikuwa anapanda kisha anasikilizia asije akatapeliwa kwa hiyo anafanya siri sana.....Kwa sasa wana wanachama wengi wengi mno ukienda pale Mabibo utakumbuna na bonge la foleni watu wanataka kupanda wengine wanavuna fedha hizo.

    My take
    Hawa jamaa kweli wamedhamilia kuinua hali duni ya Mtanzania kwani unapanda kidogo unavuna pesa kibao.Hata Mabank nao wangeiga mfano wa hawa jamaa ingekuwa faraja sana kwa wateja ukiweka pesa zinazaa pesa ingekuwa safi sana.Lakini Bank ukiweka 1M utashangaa unapata faida 10,000/= kwa mwaka.

    DECI kwa sasa wamefungua matawi sehemu mbali mbali kama Morogoro,Mbeya kwa hapa Dar hata Gongo la Mboto napo wapo.
     
  4. M

    Mama Lao JF-Expert Member

    #4
    Jan 13, 2009
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    Asante kwa hii topic ya DECI.
    -Wanatengenezaje faida kubwa kiasi hiki?
    -wamesajiliwa?
     
  5. Z

    ZeMarcopolo JF-Expert Member

    #5
    Jan 13, 2009
    Joined: May 11, 2008
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    DECI aka Tushikamane revolving fund wamesajiliwa na wana TIN number 105 797 095.

    Maelezo ya waliotangulia yana mapungufu ambayo nitarekebisha hapa.

    Kiwango cha chini '' kupanda'' ni sh. elfu kumi na kiwango cha juu ni sh. laki mbili. hata hivyo mtu anaweze kupanda zaidi ya sh. laki mbili kwa mafungu, mfano ukipanda laki nne unahesabiwa umepanda laki mbili mara mbili. '' kuvuna'' ni mara moja kwa wiki hivyo basi hata kama ukipanda laki nne kwa siku moja lakini wakati wa ''kuvuna'' utazivuna kwa wiki mbili tofauti.

    Mahesabu ya kuvuna kwa aleyepanda sh. laki mbili yako hivi: baada ya miezi minne laki mbili inakuwa laki tano. ni LAZIMA utrudishe sh. laki mbili shambani na wewe unabaki na laki tatu. Katia hiyo laki tatu unakatwa tax ya asilimia 15 ambayo ni sh. elfu 45. Kwa hiyo unabakiwa na sh. 255,000. kila baada ya miezi minne cycle hiyo inajirudia. hivyo basi kwa kupanda sh laki mbili unavuna sh. 765,000 kwa mwaka (miezi 12).

    Well cha msingi ni kwamba mpaka sasa waliojiunga hawana malalamiko,ingawa ukweli ni kwamba kuna siku DECI itatetereka kwa sababu kadhaa nilizozibaini. Sitazitaja zote hapa kwa usalama wa walioweka pesa zao ila sababu moja kubwa ni ukosekanaji wa professionalism katika money handling.Naomba nisilielezee hili kwa undani pia kwa sababu za kiusalama.

    Idara ya fedha kama DECI ambayo sasa ina pesa nyingi ilitarajiwa kuendeshwa kitaalamu zaidi ya ilivyo sasa.mfano rahisi wa kuchallenge jinsi inavyoendeshwa ni email address yao ambayo ni decitanzania@yahoo.com

    DECI kama multibillion project inatarajiwa kuwa na domein yake na si kutumia yahoo etc...!!!
    ushauri ninaoutoa ni kwa walio na access na DECI wajiunge mapema ili waweze kunufaika kabla muda wake wa kutetereka haujafika. hakuna anayeweza kusama hadharani muda huo ni lini lakini tukumbuke kuwa no risk, no profit.
     
  6. Y

    YE JF-Expert Member

    #6
    Jan 14, 2009
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    Mwee, another PONZI SCHEME!
    Bernard Madoff Kaingia bongo, hamna benki wala financial institution inayoweza kukupa profit ya 100% in 16 weeks.
    Mwenye macho aambiwi tazama.....
     
  7. Mzee Mwanakijiji

    Mzee Mwanakijiji Platinum Member

    #7
    Jan 14, 2009
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    Kuna njia kubwa nne za mtu kutengeneza fedha, kuuza kitu (bidhaa, nguvu kazi, huduma n.k), kukopa (ahadi ya kurudishiwa baadaye), kuwekeza kwenye chombo cha fedha (kupata riba n.k), na kupewa za bure (urithi, zawadi, kushinda bahati nasibu n.k)

    Sasa kwenye hii DECI jambo moja inaonekana ni wazi:

    a. Mtu anawekeza fedha zake baadaye anapata malipo yakiwa na faida ya kuliko kile alichowekeza. Njia hii inatumiwa na benki nyingi (kama siyo zote) ambapo mteja anaweza kuwekeza fedha kwa masharti fulani akitarajia kwamba baada ya muda fulani atapata faida ya kiasi fulani kutokana riba ambayo anaijua tangu awali. Huu ndio msingi wa Akaunti za Akiba, CDS, IRAs na wenzao. Hivyo kwa mteja wa kawaida yeye hajali sana benki zinafanya nini na hela yake lakini anajua kuwa baadaya muda fulani atapata riba (iwe compounded au simple).

    b. Kwa benki hazifanyi huduma ya bure. Zinapofanya hilo la (a) hapo juu (yaani kuchukua fedha za wateja) hawazikalii fedha hizo bali wanazizungusha katika biashara mbalimbali au hata kuziuza kwa taasisi nyingine n.k ilimradi kwamba zile fedha zinatumika kuzalisha faida huko zinakozungushwa. Wanafanya hivyo wakijua kwamba mteja hatorudi kuzichukua fedha zake hadi miezi sita ipie. HIVYO, benki itazungusha fedha hizo ili hatimaye ziwe na faida zaidi ya faida ambayo ataipata mteja. Kwa mfano, kama mteja aliweka Shs 100,000 na anajua kuwa baada ya miezi sita atapata 50,000 zaidi, basi ile benki lazima iwe na uhakika kuwa itakapozungusha hizo fedha huko itapata faida ya zaidi ya 150,000 (say 175000).

    Hii ina maana ya kwamba, mteja atakapokuja baada ya miezi sita atachukua hela yake ya awali na faida (150,000) na Benki itabakiwa na 25,000 kama faida yake.


    c. Sasa Benki haiwezi kutoa fedha tu za faida bila yenyewe kutengeneza faida vile vile. Hivyo kwenye hii DECI maswali yanayokuja ni kwamba hao jamaa wao wanapata faida gani?

    - i. Haiwezi kuwa ni ada, kwani kwa kadiri ya kwamba wanacholipa wateja wao ni zaidi sana ya fedha waliyoingiza ile ada inakuwa cancelled na malipo hayo.

    - ii. Bila ya wao wenyewe kuwekeza kwenye mzunguko mwingine wa fedha (aidha kwa kuchukua fedha hizo na kufungua akaunti yenye riba kubwa) wao wanapataje faida? Kama wamekusudia kuwekeza fedha benki, lazima hiyo riba iwe kubwa mno. Nimeangalia CRDB ambao rate yao ya juu ni asilimia 7 (kwa miezi 12, 24) kwa kiasi chochote kuanzia bilioni moja kwenda juu.

    Kwa Wekezo la miezi tisa kwa shilingi milioni 100 rate yake ni asilimi 4.5. Hii ina maana ya kuwa baada ya miezi tisa ukiwekeza milioni 100 unapata milioni 4.5 kama faida. Sasa kama ni mtu mmoja hiyo siyo mbaya sana hasa ukijua kuwa kila baada ya miezi tisa unapata karibu milioni tano unaweza usifanye kazi yoyote ile! Sasa hawa DECI wao wanawekeza kwenye nini?

    d. Njia ambayo naweza kuiona kwa jinsi ilivyosimuliwa humu ni kuwa wao wanazungusha fedha za mteja wa leo kwenda kumlipa mteja wa jana! na gurudumu linaendelea vivyo hivyo. Katika mtindo wa namna hiyo haijali sana riba wala nini inajali idadi ya watu wanaojiandikisha na muda wanaotakiwa kusubiri kupata "mavuno yao".

    HIvyo ukijiunga leo na kutoa laki mbili. Watakuambia usubiri hadi miezi minne ipite halafu ukija baada ya miezi minne unapewa laki tano (yaani laki tatu zaidi). Sasa unajiuliza wao wametoa wapi hizo laki tatu? Jibu ni kwa wale waliojiunga nanyi ndani ya miezi ile minne. Fedha uliyotoa wewe ya laki mbili inatumika kuwalipa wale waliokuwa kabla yako.

    Hii ina maana gani? Ina maana ya kwamba ili kumlipa aliyeahidiwa laki tano baada ya miezi minne inahitajika watu wengine wawili walijiunge!

    TATIZO:
    Kwa kadiri ya kwamba mtindo huo unategemea wateja wapya na unaendelea kuahidi mavuno makubwa, basi hatima yake ni kuanguka au kuporomoka kwani baada ya watu wote kujiunga na mtandao huo wale wanaoingia mwisho watajikuta hakuna wa kuwalipa wakati wale walioingia mwanzoni watakuwa wameshakuwa matajiri wa haraka haraka!

    So, mtu atutafutie majibu kuwa hawa jamaa wanauza nini na wao wanatengenezaje faida ya kuwalipa watu kiasi hicho kikubwa cha fedha?
     
  8. S

    Sahiba JF-Expert Member

    #8
    Jan 14, 2009
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    Hivi sisi wadanganyika sorry watanzania tuna tatizo gani ?Kwa nini,why tunapenda mteremko ?tufanye kazi ama biashara kwa nini tukubali kutapeliwa ?kifupi hakuna njia yoyote ya kuingiza 100% faida in sixteen weeks doesn't exist.NEVER.Tutumie common sense ama kutoa kama bahati nasibu sawa.Vipi utamuamini mtu hata historia yake huijui na hata ukiijua hakuna na haikuwahi kutokea biashara ya 100% faida in sixteen weeks.Hakuna miujiza toeni hizo pesa kama mko tayari kuibiwa hii sio mara ya kwanza kwa michezo kama hii mwaka jana ilitokea huku dunia ya kwanza na mtu wangu wa karibu sana alipoteza $5000.00 pasi na kusikiliza ushauri wangu,alinificha na kupeleka hizo pesa na matokeo yake ziliyeyuka.....poleni in advance mtakaoibiwa.
     
  9. P

    PanguPakavu Amy Senior Member

    #9
    Jan 14, 2009
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    jamani we don't need rocket science to realise these guys are thieves!!
    plain simple..,hao ni matapeli..
    as someone said before it's a PONZI SCHEME.

    they collect money from NEW INVESTORS and they give it to OLD investors..,

    that is a decaying curve..,soon or later new investors flow will stop and that is when old investors will be f$%^*d...,get it?

    kwa watanzania wenzangu.usimpe mtu fedha zako ukitegemea akakutengenezea faida mara kumi!!no way...!!not in Tanzania at least.
    even in US where people thought it was a land of dream and endless oportunities and posibilities,that cant happen now!

    STAY AWAY!
     
  10. Mwana wa Mungu

    Mwana wa Mungu JF-Expert Member

    #10
    Jan 14, 2009
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    kama ni wezi wamemuibia nani? ninao ndugu zangu wengi tu, nimewakopesha pesa, wakaenda kuziweka huko. wameshavuna mavuno karibia mawili. unaweza ukaweka hela za mtoto wako mmoja mmoja,dada zako hata shangazi nk. na utapata. kuna watu wanavuna karibia kila baada ya miezi mitatu, kutu kama million hadi tano pale, kwasababu waliweka zamani, na ile pesa waliyoingilia walishaipokea na wana kulaga faida. Kwa kifupi DESI SIO KWAMBA WANAKOPESHA AU NINI, NI SAWA NA UMEPANDA MTI WA MATUNDA, HIVYO UNAKUWA UNAVUNA KILA WAKATI HADI MTI HUO UTAKAPOZEEKA. unaweza ukavuna pesa za deci hadi miaka 50. ina faida sana. mimi nilifikiri ni wanigeria mwanzoni, nikaenda kuweka pesa pia, na nimepokea mihela kibao. wapo pale mabibo mwisho, watu wanapaki magari yao pale wanaweka hela na kuondoa. inasaidia sana, na kuna watz wengi wanaishi kwa hiyo.
     
  11. Mwana wa Mungu

    Mwana wa Mungu JF-Expert Member

    #11
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    Wtz wengi ni waoga wa kujaribu vitu. Deci mwanzoni ilikuwa ni organisation ambayo ilikuwa ni special kwa walokole tu. walioianzisha ni walokole, na wanaoiendesha hadi sasa ni walokole, yaani watu kama mimi hapa ninayeandika, mlokole. ninaifahamu kiundani sana. the main purpose of this Deci, ilikuwa kama kuwainua walokole, waumini wa kanisa. lakini, kwasababu ulokole/wokovu unahitaji upendo, na watu walipolalamika(wasiokuwa walokole), Deci ikaamua kupokea hata wasio walokole. hadi sasa hivi inaendeshwa na watu wa Mungu, ninao wafahamu. wachungaji kibwena wameweka pesa zao kule na wanakula faida kila wakati. kuna waislam pia wengi sana, wengi wao wanawake, wameweka pesa hapo na wanapokea pesa kibao. wengine wamejenga kwa njia hii. kuna wakati mwingine huwa wanakatishwa tamaa halafu wanajaribu kuirudisha kwa walokole(kwasababu watu wengine wanawaletea fujo...sina uhakika na hilo ila) lakini huwa wanajirudi na kuendelea kuwapenda. in short, hii ilikuwa ni njia ya kusaidia walokole lakini kwa upendo, wamewapokea hata wasio walokole. walokole wanafaidika sana na hii, na wasio kuwa walokole pia. kila mtu anakaribishwa, lakini halazimishwi.

    hii ni challenge kubwa kwa watu wa dini zingine, hasa zinazojifanya zina pesa. walokole wanasapotiana sana wao kwa wao, lakini wengine wamelala fofofo. hii nchi kwa kifupi, inaenda kuendeshwa na walokole, na ndio walioishika hii nchi kwa sasa. Mungu wao anawasaidia. angalia makanisa makubwa yanayojaa kila siku, na wachungaji wao wana influence kubwa sana, wanaweza wakafanya hivyo hata kisiasa mtu asipigiwe kura, na ikawa hivyo. kwasababu waumini wana imani sana na mchungaji. walokole wamejenga mashule mengi(pamoja na kwamba roman catholic na lutheran ndio vinara kwa hili). hii ni muhimu pia kwasababu, ulokole sasa haujawa wa dini moja, kuna walokole lutheran,roman na dini zingine, hivyo nawezakusema ukristo sasa umekuwa ulokole kwasababu movement ya waumini kwa sasa si kitu cha kushangaza toka dini moja kwenda ingine, zote zina feel one. kwa kifupi, kila kanisa kubwa hapa bongo, hata mikoani, yanajenga shule za kilokole, na watoto wanakuzwa kimazingira ya kilokole. wanapata sapoti hata kama hawana hela. wanasaidiana sana, na tunajivunia kwa hilo. Deci imesaidia walokole lukuki, mimi na my wife wangu pia, tuliweka hela ya mboga, na huwa tunachuma kila baada ya miezi mitatu zaidi ya million. hiyo ya mboga tu na mafuta ya gari. inatupa faida infact.
     
  12. H

    HellFire20 Senior Member

    #12
    Jan 14, 2009
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    Msikizeni huyu jamaa everything he is saying is the truth,I can see they have reached Tanzania they were in Kenya around 2007 and their track record was not all good people have been to hell and back.Fellows who wanted to make quick bucks ended up loosing everything,there is this case of a manager of one of their branches who was thrown down from a 8th floor building for refusing with peoples money he died of course, cases of fathers who lost every single investment they had made after they were told that DECI was real and ended putting all their money there which they eventually lost.

    This is a perfect case of same script different cast and the outcome will not be good.
     
  13. Bazazi

    Bazazi JF-Expert Member

    #13
    Jan 14, 2009
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    Marekani uchumi wake unayumba kutokana na mradi (scheme) kama hizo pia huko Peru watu waliandamana maandamano yaliyoambatana na fujo juu ya kufilisika kwa mradi kama huo.

    Kwa maoni yangu mradi huo ni feki kama miradi yote kama hiyo (pyramidic schemes). Hii ni kwa vile watu wa mwanzo hupata hele yao kama kawaida ila wafuatao ndio hukumbana na KIAMA.
    PLEASE STAY AWAY FROM IT!
     
  14. Single D

    Single D JF-Expert Member

    #14
    Jan 14, 2009
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    Deci Isije ikaliza watu kama yale ya Greenland Bank,ilipoingia toka Uganda watu wakachangamkia kweli,mwisho ikazimika ghafla.
    Nadhani suala la msingi ni kujua hii faida kubwa inatoka wapi?na pesa za walalahoi ziko secured kwa kiasi gani?
    Iko wapi MERIDIAN BIAO BANK?
    Iko wapi FIRST ADILI BANK?
    Huko kenya ilipoanzia nasikia imekufa?Tatizo lilikuwa nini?
    Media watusaidie kuwafikia hawa watu ili umma uelewe na kuondokana na hofu ya kupoteza hata kama ulishavuna hizo punje.
     
  15. Dark City

    Dark City JF-Expert Member

    #15
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    Unajaribu kutuaminisha kuwa walokole ni malaika? Kama umekiri kuwa sasa walokole wako kwenye madhehebu mengi, na kama unakumbuka kuwa kuna baadhi ya wachungaji walokole ambao wako jela au kesi zao bado zinaendelea kwa makosa ya wizi, una ushahidi gani wa kutueleza kuwa hawa ni tofauti? Ningefurahi sana kama ungejibu hoja za watu wenye wasi wasi na DECI badala ya kutuletea hadithi za walokole katika mambo ambayo yanaonekana ni wizi mtupu!!
     
  16. Nyambala

    Nyambala JF-Expert Member

    #16
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    Have a look at this one, DECI might be another version of this one!!!!


    If anyone has difficulty understanding the current world financial situation, the following should help....


    Once upon a time in a village in Thailand , a man announced to the villagers that he would buy monkeys for $10.

    The villagers seeing there were many monkeys around, went out to the forest and started catching them.
    The man bought thousands at $10, but, as the supply started to diminish, the villagers stopped their efforts. The man further announced that he would now buy at $20. This renewed the efforts of the villagers and they started catching monkeys again.

    Soon the supply diminished even further and people started going back to their farms. The offer rate increased to $25 and the supply of monkeys became so little that it was an effort to even see a monkey, let alone catch it!

    The man now announced that he would buy monkeys at $50! However, since he had to go to the city on some business, his assistant would now act as buyer, on his behalf.

    In the absence of the man, the assistant told the villagers: 'Look at all these monkeys in the big cage that the man has collected. I will sell them to you at $35 and when he returns from the city, you can sell them back to him for $50.'

    The villagers squeezed together their savings and bought all the monkeys.

    Then they never saw the man or his assistant again, only monkeys everywhere! Welcome to WALL STREET.

    PS:You're allowed to circulate this one.
     
  17. Dark City

    Dark City JF-Expert Member

    #17
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    Wewe humwoni wanayemwibia? Watu wanakueleza kisayansi halafu unaleta hadithi? Umesahau watu waliojaribu michezo ya upatu??

    Nashauri huu upuuzi ufungwe mara moja. Hakuna mantiki wala lojiki za kumueleza mtu mwenye akili timamu kuwa unaweza kutegeneza faida ya 100% tena ukiwa umekaa ofisini. Watu watafute kazi za kufanya hata kama ni kuuza maji waachane na upuuzi. Wahanga wa upatu wapo ila nasikitika kuwa WaTz tunamatatizo ya kutojifunza kutokana na matukio ya nyuma na tunapenda dezo dezo!
     
  18. M

    Malila JF-Expert Member

    #18
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    Nimeshuhudia huo umati ulioko pale Mabibo, foleni ni kubwa. Kuna mchangiaji mmoja hapo juu kasema DECI ni kama mti wa matunda,utaendelea kuchuma mpaka mti uzeeke,ni sawa. Miti mingi hujulikana life span yake na hivyo kumfanya mwenye shamba kupanda miti mipya kuchukua nafasi ya huo mti mzee. Sasa hii DECI life span yake mbona iko kwapani kwa mtu? Nasema hivi kwa sababu, jinsi anavyochezesha hizo karata tatu mpaka kuzaa faida ya kampuni, faida ya walioleta fedha na gawio kwa walioanzisha hilo dili ni utata mtupu ! Anayejua atwambie,baada ya kuzipokea fedha za mteja hao DECI wanafanya nazo nini?

    Watz tunapenda dezo mpaka inatisha,ukiwaambia hao walokole wa DECI wakusanye hizo hela zao waanzishe kampuni ya uzakishaji halali hawatakubali,ila kumeza walivyotafuna wengine wanapenda sana.

    2007 wakenya fulani walikuwa na kiofisi pale keko darajani,walibamiza watu sana na kama si CRDB kushitukia mchezo basi mijamaa ilikuwa imeshakomba kinoma.
     
  19. K

    Kituko JF-Expert Member

    #19
    Jan 14, 2009
    Joined: Jan 12, 2009
    Messages: 5,975
    Likes Received: 1,114
    Trophy Points: 280
    hata upatu ulisaidia hivyohivyo, hapa point ni hii ili uliyeweka pesa upate faida lazima kuwe na source nyingine ya kuweka pesa swali ni kwamba itakuwaje wakati wakuweka pesa watakopokuwa hawap0,
    mfano mzuri ni kama mito na maziwa, mito itakapokauka hatuwezi kuwa na maji kwenye maziwa, kwa kifupi hiyo chain sasa ina workout lakini ina mwisho na mwisho wake ni sawa kabisa na ule wa upatu
     
  20. M

    Malila JF-Expert Member

    #20
    Jan 14, 2009
    Joined: Dec 22, 2007
    Messages: 4,204
    Likes Received: 323
    Trophy Points: 180
    Naomba niende nje ya mada. Wakatoliki sasa hivi wanachangishana hisa ili wafungue benki yao itakayo itwa mkombozi,hili ni wazo zuri na litawasaidia waumini wao kujikomboa. Kwa Dsm hisa zao wanauzia pale St Joseph, hili lao lina mwanzo unaoeleweka na makusudi yako bayana na wamiliki wako bayana na kwamba wanataka kuwa benki.

    Hawa DECI,mbona hawaeleweki, kuwa na TIN number si hoja na mbona wanakwenda kimya kimya.
     
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