DECI Tanzania: Ilivyoanza, ilipo na hatma yake

[Keykey]

Jamani acheni propaganda tuwe wakweli, DECI ni biashara ya upatu huwezi kuwalinganisha na Pride na wala hakuna ushindani wala maslahi yoyote.

Pride wanato mitaji kwa wajasiriamali wakati DECI wanachukua akiba za watu eti wanazipanda zikazae, hapa ushindani uko wapi?!!!

 

[Sober]

Umaskini kweli unapofua...Hivi mtu unahitaji Phd kweli kujua kuwa hio DECI ni unsustainable na ni utapeli. Kuna watu wengi watapata matatizo makubwa kifedha itakapocrash?... Tatizo letu tunakazania sana short cuts, ulale masikini uamke tajiri... Kujituma na kujinyima kwa ajili ya baadae ni maneno yaliyopoteza maana kwenye kiswahili sikuhizi.

 

[MpigaFilimbi]

Tatizo ni lilelile, watu wanakuwa mbele kutetea kitu kinachowanufaisha hata kama ni cha kitapeli. Na ukweli huu ndio unaokiweka CCM madarakani mpaka leo.

 

[Endeleaaa]

Jamani acheni propaganda tuwe wakweli, DECI ni biashara ya upatu huwezi kuwalinganisha na Pride na wala hakuna ushindani wala maslahi yoyote.

Pride wanato mitaji kwa wajasiriamali wakati DECI wanachukua akiba za watu eti wanazipanda zikazae, hapa ushindani uko wapi?!!!

PRIDE na taasisi zote za mfano wa Pride hazina tofauti DECI katika suala zima la kuwalaghai na kuwaibia wananchi wa kipato cha chini.

Katika Pride lazima uwekeze kwanza ndo uruhusiwe kukopa tena kwa riba ya kutosha tu. na lazima uweke rehani vitu tukavyopigwa mnada pindi ukishndwa kurejesha hela. Pride na taasisi zote za aina hiyo wanategemea michango ya wanachama kupata hela za kuwakopesha wengine. Kama hakuna wanachama wa kutosha utawakopesha nini hao wachache waliopo? IDD wa wengine watalalamikia sana DECI maana watu wahaendi tena kwenye kampuni zao wanakimbilia DECI. Pale DECI kinondoni kuna kampuni jirani wanahusika na kutoa mikopo. unadhani wanajisikiaje jirani yao ana lundo la wateja wameunga foleni wakati kwake hakuna hata anaechungulia japo kuulizia tu.

Nani atakuwa tayari kuwekeza au kukopa hela kwenda kumtafutia faida mtu mwingine? Faida za mzunguko wa fedha za wanachama wanakula wao akina Pride. wanachama wanabaki kuhangaika na visenti walivyokopa kuwatafutia riba akina IDD Simba waliokaa maofisini. Ukiikosa hiyo riba chochote ulichonacho kitapigwa mnada ukiachwa unalia na wanao, bila kujani ni nini kimekusibu ukashindwa kupata hiyo riba na marejesho.

Ukweli unabaki kuwa hakuna kampuni inayoanzisha biashara isiwe na namna ya kujipatia faida la sivyo hakuna maana ya kuwepo kwake.

Tofauti ya DECI na akina IDD ni kuwa wao ndo wanazungusha hela za wanachama na kurudisha faida kwa wanachama wakati akina SIMBA wao wanasubiria wanachama wazungushe walete faida.

DECI haijawahi kuweka tangazo popote kuwahamasisha watu wajiunge nayo. Lakini wanaojiunga ndio wamekuwa matangazo kwa wengine. akina SIMBA wana matangazo nchi nzima na matangazo yao hayatuambii hasara za kujinga nao bali faida tu.

Wengi wanaowekeza huko DECI ni wafanyabiashara ndogo ndogo. Na ukiwasikiliza wengi wanaweka si kutafuta utajiri kipitia DECI bali kuinua kiwango cha Mitaji yao kwa haraka then wakatumie hiyo mitaji kupata huo utajiri unaozungumzwa.

Binafsi nimebahatika kuiona financial report ya DECI ya mwaka 2007/08 si kihivyo Wengi wetu wanavyozungumzia hapa.

Lakini cha msingi watu washaambiwa hatari ya kujihusisha na DECI. Waacheni watu waamue wenyewe. Si kila tunachokitaka hapa JF basi watanzania wote wakikubali na kukifuata. Acheni watu wawekeze pale wanapoona panawafaa watakaopata wapate watakaolizwa walie.

Kama kweli watu tungekuwa na uchungu na hela za watanzania, Tungeshachukua hatua juu ya wezi wetu wa EPA ambao kimsingi tuwajua. Lakini watu tumekuwa waandishi tu wa habari na hatuna ufumbuzi wa matatizo ya watanzania kimatendo.

Kama kweli hiyo DECI ni haramu nilitegemea tangazo la BOT lisingekuwa warning bali Order kuwa DECI isitishe shughuli zake na kuwarudishia watu hela zao lakini kinyume chake imetoa taadhari tu na DECI wanaendelea na mradi wao. Kama nimeilewa ile taadhari ni kuwa watu waache kuwekeza, ila kama wanataka kuendelea basi ni kwa hasara yao. lolote likitokea wasiililie BOT wala Capital market.

Polisi nao inabidi watoe tamko la kusitisha ulinzi kwa hii kampuni, na kama walikuwa wanalipwa kwa kazi hiyo warejeshe hapo malipo vinginevyo watawajibika kwa kuingia biashara ya ulinzi na kampuni linalofanya biashara haramu.

Uchunguzi polisi wanaoufanya wajichunguze na wao wenyewe imekuwaje wameingia kwenye ulinzi wa biashara haramu.

 

[The Invincible]

Nimesoma msg kuhusu hii DECI,

Hii DECI haitumii PONZI kama watu wanavyowaza... kwa sababu toka imeanza hakuna mtu aliyekosa pesa yake... na ahilazimishi kutafuta mtu wa kudeposit ili mtu aweze kulipwa.

KWA UKWELI WATU WENGI WANATAKA KUJUA SIRI YA WANACHOKIFANYA KUPATA HIZO PESA... NA DECI WAMEGOMA KUTOA HIYO SIRI... SASA WENYE NGUVU NA NCHI HII WAMEAMUA KUTUMIA DOLA.

LAKINI KWA KWELI KAMA KUNA ORGANIZATIONS ZINALIPISHA RIBA KUUBWA NA SERIKARI HAIKUINGILIA.... MABANK YANATOA RIBA NDOGO KWE FIXED ACCOUNTS SERIKALI HAIKUSEMA KITU....

SASA INATOKEA ORGANIZATION IMEAMUA KUFANYA MSHIKAMANO ILI WATU WOTE WA BENEFIT SERIKALI INAINGIZA MKONO WAKE.... KWA KWELI ITAKUWA NI HATARI SAANA ....

MIE KWA USHAURI WANGU WALIOWAHI KUWEKA PESA KULE WAWE NA AMANI SAANA...


DECI NI MKOMBOZI WA WANYONGE... WATU MAISHA YAO YAMEBADILIKA SAANA JAMANI... WANGONJWA WALIOKUWA WANAKOSA CHAKULA SASA AFYA ZAO ZIMEKUWA NJEMA SAANA..... WATOTO YATINA NA WENYE MAISHA DUNI WAMEWEZA KWENDA SHULE... KWA KUWEKA PESA CHACHE TU.

NA MPAKA SASA HAKUNA ALIYEWAHI KUKOSA PESA YAKE... SIKU YAKE IKIFIKA.... NA IKO WAZI SAANA.

DECI...... TUSHIKAMANE REVOLUTION FUNDS.....

ASANTENI

Fikra za aina hii ndio matokeo ya kuona mwisho wa pua tu, na si zaidi ya hapo.

 

[Kang]

Nimesoma msg kuhusu hii DECI,

Hii DECI haitumii PONZI kama watu wanavyowaza... kwa sababu toka imeanza hakuna mtu aliyekosa pesa yake... na ahilazimishi kutafuta mtu wa kudeposit ili mtu aweze kulipwa.

KWA UKWELI WATU WENGI WANATAKA KUJUA SIRI YA WANACHOKIFANYA KUPATA HIZO PESA... NA DECI WAMEGOMA KUTOA HIYO SIRI... SASA WENYE NGUVU NA NCHI HII WAMEAMUA KUTUMIA DOLA.

LAKINI KWA KWELI KAMA KUNA ORGANIZATIONS ZINALIPISHA RIBA KUUBWA NA SERIKARI HAIKUINGILIA.... MABANK YANATOA RIBA NDOGO KWE FIXED ACCOUNTS SERIKALI HAIKUSEMA KITU....

SASA INATOKEA ORGANIZATION IMEAMUA KUFANYA MSHIKAMANO ILI WATU WOTE WA BENEFIT SERIKALI INAINGIZA MKONO WAKE.... KWA KWELI ITAKUWA NI HATARI SAANA ....

MIE KWA USHAURI WANGU WALIOWAHI KUWEKA PESA KULE WAWE NA AMANI SAANA...


DECI NI MKOMBOZI WA WANYONGE... WATU MAISHA YAO YAMEBADILIKA SAANA JAMANI... WANGONJWA WALIOKUWA WANAKOSA CHAKULA SASA AFYA ZAO ZIMEKUWA NJEMA SAANA..... WATOTO YATINA NA WENYE MAISHA DUNI WAMEWEZA KWENDA SHULE... KWA KUWEKA PESA CHACHE TU.

NA MPAKA SASA HAKUNA ALIYEWAHI KUKOSA PESA YAKE... SIKU YAKE IKIFIKA.... NA IKO WAZI SAANA.

DECI...... TUSHIKAMANE REVOLUTION FUNDS.....

ASANTENI

Nadhani hauelewi Ponzi Scheme inafanya vipi kazi, pitia pitia hii thread tangu mwanzo kuna watu wameeeleza vizuri sana. Good luck.

 

[LaVerite]

PRIDE na taasisi zote za mfano wa Pride hazina tofauti DECI katika suala zima la kuwalaghai na kuwaibia wananchi wa kipato cha chini.

Katika Pride lazima uwekeze kwanza ndo uruhusiwe kukopa tena kwa riba ya kutosha tu. na lazima uweke rehani vitu tukavyopigwa mnada pindi ukishndwa kurejesha hela. Pride na taasisi zote za aina hiyo wanategemea michango ya wanachama kupata hela za kuwakopesha wengine. Kama hakuna wanachama wa kutosha utawakopesha nini hao wachache waliopo? IDD wa wengine watalalamikia sana DECI maana watu wahaendi tena kwenye kampuni zao wanakimbilia DECI. Pale DECI kinondoni kuna kampuni jirani wanahusika na kutoa mikopo. unadhani wanajisikiaje jirani yao ana lundo la wateja wameunga foleni wakati kwake hakuna hata anaechungulia japo kuulizia tu.

Nani atakuwa tayari kuwekeza au kukopa hela kwenda kumtafutia faida mtu mwingine? Faida za mzunguko wa fedha za wanachama wanakula wao akina Pride. wanachama wanabaki kuhangaika na visenti walivyokopa kuwatafutia riba akina IDD Simba waliokaa maofisini. Ukiikosa hiyo riba chochote ulichonacho kitapigwa mnada ukiachwa unalia na wanao, bila kujani ni nini kimekusibu ukashindwa kupata hiyo riba na marejesho.

Ukweli unabaki kuwa hakuna kampuni inayoanzisha biashara isiwe na namna ya kujipatia faida la sivyo hakuna maana ya kuwepo kwake.

Tofauti ya DECI na akina IDD ni kuwa wao ndo wanazungusha hela za wanachama na kurudisha faida kwa wanachama wakati akina SIMBA wao wanasubiria wanachama wazungushe walete faida.

DECI haijawahi kuweka tangazo popote kuwahamasisha watu wajiunge nayo. Lakini wanaojiunga ndio wamekuwa matangazo kwa wengine. akina SIMBA wana matangazo nchi nzima na matangazo yao hayatuambii hasara za kujinga nao bali faida tu.

Wengi wanaowekeza huko DECI ni wafanyabiashara ndogo ndogo. Na ukiwasikiliza wengi wanaweka si kutafuta utajiri kipitia DECI bali kuinua kiwango cha Mitaji yao kwa haraka then wakatumie hiyo mitaji kupata huo utajiri unaozungumzwa.

Binafsi nimebahatika kuiona financial report ya DECI ya mwaka 2007/08 si kihivyo Wengi wetu wanavyozungumzia hapa.

Lakini cha msingi watu washaambiwa hatari ya kujihusisha na DECI. Waacheni watu waamue wenyewe. Si kila tunachokitaka hapa JF basi watanzania wote wakikubali na kukifuata. Acheni watu wawekeze pale wanapoona panawafaa watakaopata wapate watakaolizwa walie.

Kama kweli watu tungekuwa na uchungu na hela za watanzania, Tungeshachukua hatua juu ya wezi wetu wa EPA ambao kimsingi tuwajua. Lakini watu tumekuwa waandishi tu wa habari na hatuna ufumbuzi wa matatizo ya watanzania kimatendo.

Kama kweli hiyo DECI ni haramu nilitegemea tangazo la BOT lisingekuwa warning bali Order kuwa DECI isitishe shughuli zake na kuwarudishia watu hela zao lakini kinyume chake imetoa taadhari tu na DECI wanaendelea na mradi wao. Kama nimeilewa ile taadhari ni kuwa watu waache kuwekeza, ila kama wanataka kuendelea basi ni kwa hasara yao. lolote likitokea wasiililie BOT wala Capital market.

Polisi nao inabidi watoe tamko la kusitisha ulinzi kwa hii kampuni, na kama walikuwa wanalipwa kwa kazi hiyo warejeshe hapo malipo vinginevyo watawajibika kwa kuingia biashara ya ulinzi na kampuni linalofanya biashara haramu.

Uchunguzi polisi wanaoufanya wajichunguze na wao wenyewe imekuwaje wameingia kwenye ulinzi wa biashara haramu.

Endeleea Pride ni credit company na haiwezi hata siku moja sawa na ponzi scheme kama Deci, hata kama Pride wangetoza interest ya 500%. Ila unachosema ni sawa, kuna jambo la ajabu sana linaloendelea. BoT inajua ni nini kinaendelea na ni ajabu kwa nini haikuchukua hatua siku zote hizo na wala haichukui hatua hata sasa.

 

[Mtanzania]

Mbona iko wazi mno mno kwamba hao DECI ni wizi wa mchana kabisa? Wenzenu wananyolewa Ulaya na USA, nyie hamtaki kutia maji na badala yake mnaanza kutafuta wachawi sio?

Watanzania kweli tumekuwa wagumu wa kuelewa. Juhudi zote za Nyerere inaelekea zinaenda shimoni.

Hiyo DECI ni ponzi scheme, kama unataka endelea, hakuna haja ya kutafuta mchawi.

Endeleaaa, mbona ulichosema ndio kila bank wanafanya? Kutumia pesa za wateja kukopesha wengine. PRIDE ni katika kampuni ambazo naziheshimu kwa mchango wao hasa huko wilayani. Inaelekea ulivyoandika ni tofauti kabisa na tunavyojua wengine. Info uliyotoa haiko sahihi.

 

[jjj2be]

Ndiyo Maana nimesema Hii sio PONZI SCHEME.....

A Ponzi scheme is a [ame="http://en.wikipedia.org/wiki/Fraud"]fraudulent[/ame] [ame="http://en.wikipedia.org/wiki/Investment"]investment[/ame] operation that pays returns tnvestors from their own money or money paid by subsequent investors rather than from any actual profit earned.

The Ponzi scheme usually offers returns that other investments cannot guarantee in order to entice new investors, in the form of short-term returns that are either abnormally high or unusually consistent. The perpetuation of the returns that a Ponzi scheme advertises and pays requires an ever-increasing flow of money from investors in order to keep the scheme going.

Kwa sababu ili mtu alipwe pesa aliyotakiwa kuvuna aitegeme na watu wameweka ngapi..... kama ulivyosikia DECI ina muda wa miaka mitatu sasa...

Kama ingekuwa inafanya PONZI SCHEME ingesha-ishia muda mrefu.

Hii DECI ina siri kuubwa ambayo siri yake iko kwa mwanzilishi wake.....

Wazia watu laki 7 wote wanapata pesa wanayopanda kwa pecentage hiyo.... Utasema PONZI....

Hapana.... DECI ni KITU TOFAUTI.

Kama BoT ilivyosema.... Ni uamuzi BINAFSI kuweka... lakini kwa ushauri wangu.... Ni KITU SALAMA SAANA .... wazia 3 years... hakuna lalamiko hata moja....

Kuwa nafikiria mpaka kwenye PUA.... Ni maneno ya mtu ambaye ataki wenzake watoke.....

Jamani watu wanakwenda mbali na maisha yao.... mifano ni mingi saana saana.....

 

[jjj2be]

Ndiyo Maana nimesema Hii sio PONZI SCHEME.....

A Ponzi scheme is a [ame="http://en.wikipedia.org/wiki/Fraud"]fraudulent[/ame] [ame="http://en.wikipedia.org/wiki/Investment"]investment[/ame] operation that pays returns tnvestors from their own money or money paid by subsequent investors rather than from any actual profit earned.

Kwa sababu ili mtu alipwe pesa aliyotakiwa kuvuna aitegeme na watu wameweka ngapi..... kama ulivyosikia DECI ina muda wa miaka mitatu sasa...

Kama ingekuwa inafanya PONZI SCHEME ingesha-ishia muda mrefu.

Hii DECI ina siri kuubwa ambayo siri yake iko kwa mwanzilishi wake.....

Wazia watu laki 7 wote wanapata pesa wanayopanda kwa percentage hiyo.... Utasema PONZI....

Hapana.... DECI ni KITU TOFAUTI.

Kama BoT ilivyosema.... Ni uamuzi BINAFSI kuweka... lakini kwa ushauri wangu.... Ni KITU SALAMA SAANA .... wazia 3 years... hakuna lalamiko hata moja....

Kuwa nafikiria mpaka kwenye PUA.... Ni maneno ya mtu ambaye hataki wenzake watoke.....

Jamani watu wanakwenda mbali na maisha yao.... mifano ni mingi saana saana.....

 

[MzalendoHalisi]

A short cut is usually a wrong cut!

DECI is both a short and a wrong cut!

 

[LaVerite]

Bank kuu na CMSA wanatakiwa wajibu walikuwa wapi siku zote hizi wakati Deci bila kuichukulia Deci hatua madhubuti.

 

[911]

Kuna sikio la kufa hapa,so hata mkawaelimisha vipi mkatoa mifano kadha wa kadha,mkapaza sauti na kukemea mpaka povu liwatoke still waliolambishwa asali watataka waendelee kuchovya.Wat we do then??Anayeamua kwenda kupanda hela zake kila la heri,ila siku ikija kula kwake asisikike akiweweseka.Though in the other angle,hawa wasiotaka kufanya kazi/investment za kueleweka zitakazowaletea kipato ndio wanaozidi kulikwamisha taifa.Ndo maana Tz kuna watu wanaishi kwa kuchezesha karata 3.

Tangazo la BOT na CMSA linadokeza kuwa mamlaka husika zinafanya upelelezi wa kina kuhusu shughuli za DECI,mayb wakaja na findingz zitakazowafungua macho hao wapenda kuvunavuna.

 

[Kang]

Ndiyo Maana nimesema Hii sio PONZI SCHEME.....

A Ponzi scheme is a fraudulent investment operation that pays returns tnvestors from their own money or money paid by subsequent investors rather than from any actual profit earned.

Kwa sababu ili mtu alipwe pesa aliyotakiwa kuvuna aitegeme na watu wameweka ngapi..... kama ulivyosikia DECI ina muda wa miaka mitatu sasa...

Kama ingekuwa inafanya PONZI SCHEME ingesha-ishia muda mrefu.

Hii DECI ina siri kuubwa ambayo siri yake iko kwa mwanzilishi wake.....

Wazia watu laki 7 wote wanapata pesa wanayopanda kwa percentage hiyo.... Utasema PONZI....

Hapana.... DECI ni KITU TOFAUTI.

Kama BoT ilivyosema.... Ni uamuzi BINAFSI kuweka... lakini kwa ushauri wangu.... Ni KITU SALAMA SAANA .... wazia 3 years... hakuna lalamiko hata moja....

Kuwa nafikiria mpaka kwenye PUA.... Ni maneno ya mtu ambaye hataki wenzake watoke.....

Jamani watu wanakwenda mbali na maisha yao.... mifano ni mingi saana saana.....

BABA! Hilo la muda lisikusumbue kabisa! Scheme ya Madoff imedumu tangu 1990! Hadi juzi juzi! miaka zaidi ya 15!! So hiyo mitau ya DECI isikusumbue kabisa.

Hakuna investment inayorudisha 200% returns in 3 months!! Tena bila risk!! Hakuna siri hapa mzee, unless wanachapisha hizo hela!

Na hilo la kuwa hakuna ambaye hajalipwa hadi leo bado inaonyesha kuwa huelewi Ponzi Scheme inafanya vipi kazi. Ponzi scheme zinacollapse all at once. Sikatai kuwa watu wamevuna hela, hivo ndo Ponzi inavyofanya kazi na kujijengea wafuasi mpaka siku itakayobomoka.

Kwa sababu sooner or later wawekezaji wapya wataisha! hata kama watanzania wote wakiwekeza.

Kama bado unabisha basi utakuwa una lako!!

 

[911]

Kumbe hata Kenya walikuwa na DECI tena nayo ikiwa chini ya kanisa kama ilivyo ya Tz.Worse enough by the end of last year,it collapsed.Unaweza ukaipata habari hapa TheCitizen Newspaper na pia hapa Wateja DECI sasa wahaha
kuna taarifa nyingine.

 

[MzalendoHalisi]

Serikali ichukue hatua haraka na kuwafungia DECI kabla watu wengi hawajalia!

 

[MwanaHaki]

Jiulizeni maswali haya:
1) DECI ilisajiliwa kutoa huduma inazozifanya kwa mujibu wa vigezo na masharti gani ya Sheria, na Sheria zipi zilitumika kuisajili?

2) Je, vigezo hivyo na masharti hayo, yote kwa pamoja, vilikamilika?

3) Je, kuanzia 2006 kuna mtu yeyote ambaye ni mwanachama wa DECI ambaye alilalamika kudhulumiwa au kupoteza fedha zake na alichukua hatua gani za kisheria dhidi ya kampuni hiyo?

Mtakaponijibu maswali hayo nitawaambia ukweli wa suala hili ni upi, kwani nyote hapa mmepotea njia.

Ukweli uko kwenye "matumbo" ya mafisadi... sisemi zaidi!

./Mwana wa Haki

 

[jjj2be]

Kang.... Hii deci haifanyi kama unavyoonyesha kwenye hiyo pyramid.....

Navyojua speed ya malipo pyramid inategemea watu wanavyojiunga katika hiyo deal. Na ukipata inakuwa imepita.... Kama ili upande ni watu 4 wakuchangie basi... Ukimaliza circle unatoka.... Kama unataka inabidi kuanza upya....

Sasa deci sio.... Ilikuwa ukiingia umeingia.... Unaweza usiongeze hata sent moja.... Ikifika muda uliopangiwa unapata pesa yako.

Sijui labda hesabu ndogo ndogo kama hizo zimenipiga chenga.... Lakini hesabu ya deci ni tofauti kabisa......

 

[FairPlayer]

Kang.... Hii deci haifanyi kama unavyoonyesha kwenye hiyo pyramid.....

Navyojua speed ya malipo pyramid inategemea watu wanavyojiunga katika hiyo deal. Na ukipata inakuwa imepita.... Kama ili upande ni watu 4 wakuchangie basi... Ukimaliza circle unatoka.... Kama unataka inabidi kuanza upya....

Sasa deci sio.... Ilikuwa ukiingia umeingia.... Unaweza usiongeze hata sent moja.... Ikifika muda uliopangiwa unapata pesa yako.

Sijui labda hesabu ndogo ndogo kama hizo zimenipiga chenga.... Lakini hesabu ya deci ni tofauti kabisa......

Duh! Mzee samahani, kama una degree naomba nikuulize. UMESOMEA DEGREE GANI?

Samahani ila nina maana nzuri tu kabla sijaanza kukuelimisha maana nina uhakika na 9999999999999% hujasomea elimu ya FINANCE.

"Police are said to be investigating the Development Entrepreneurship for Community Initiative (Deci) for operating an illegal funds management scheme.



This comes as the central bank issued a statement on Wednesday warning the public not to invest their money in the company.



Enthusiastic investors kept thronging the company's Mabibo offices in Dar es Salaam this week to deposit their money despite warnings the scheme was illegal and risky.



Deci, run by the Jesus Christ Deliverance Church, is understood to be promising investors 300 per cent interests within a period of between three and 12 months.



Local bankers have said the company is running an illegal pyramid scheme and cautioned depositors against risky investments.



The Bank of Tanzania (BoT) and Capital Market and Securities Authority (CMSA) issued a joint statement Wednesday evening saying the scheme was illegal.



A police official speaking anonymously told The Citizen yesterday the company was now under investigations for the illegal scheme.



The probe team comprises officers from the Criminal Investigations Department, Prevention and Combating of Corruption Bureau (PCCB) and state intelligence, he said.



It emerged this week that a Kenyan company with a similar name to the revolving fund scheme that has wooed thousands of investors in Tanzania collapsed last December with Ksh600 million (over Sh10 billion) of investors savings.



The Kenyan government is also said to be currently investigating the defunct company, which is called the Development Entrepreneurship for Community Initiative (Deci) Kenya Limited.



It is not yet clear whether the two are sister companies. Deci Tanzania officials have not confirmed any links with the Kenyan scheme.



Thousands of defiant Tanzanian investors have reportedly deposited billions of shillings into the company as bankers express concern it could collapse with investors' deposits.



Deci's 37 branches countrywide have become a popular spot for low-income earners and local business owners.



At its Mabibo headquarters in Dar es Salaam, the company is said to be receiving deposits from an estimated 3,000 people per day.



Deci officials last week told The Citizen that they had paid back Sh35 billion in profits and registered more than 500,000 members since last year when their activities picked up.



While the police yesterday remained tight-lipped on the said probe a source who spoke to The Citizen said some investigators had asked CMSA to confirm whether or not Deci was operating an illegal business.



In the joint statement, BoT governor Prof Benno Ndulu and CMSA chief executive officer Fratern Mboya said the company was not registered to operate the scheme.



They denied ever issuing Deci a licence to run a funds scheme and said the firm was involved in an illegal pyramid scheme that collapsed once in the country and in Kenya.



"It should be noted that, the promotion and participation in any pyramid schemes is an offence in terms of the provisions of the Penal Code, part of the statement read.



The statement confirmed there is a "thorough investigation" to establish the scope and nature of the company’s operations in the country.



The central bank warned investors to discontinue any dealings of a revolving fund scheme nature with the company.



For its part, the CMSA, a government agency, said it was not aware of how Deci Tanzania was investing the money from its thousands of depositors.



Deci officials dismissed the criticism and claims the firm is running an illegal scheme as "unfounded and witch hunting," but did not explain how the firm made huge profits to pay depositors such attractive interests.



"We are not doing any business here, what we do is just revolve the funds, and that is why we call this programme 'tushikamane' revolving fund, we are just providing services and God watches over everything that we do," the firm's chairman, Reverend Jackson Mutalesi, said.



But media reports on the collapse of a similar firm in Kenya heightened suspicions on the sincerity of the scheme.



There are striking similarities between the Deci Tanzania Limited and the Kenyan company. The two have a similar name and both were started and run by religious organisations.



According to reports in the Kenyan media, Deci Kenya Limited operations went under when the Kenyan government launched a crackdown on suspected pyramid schemes.



A number of religious leaders later admitted to having misled their followers into joining the pyramid scheme.



Deci officials refused to talk to The Citizen yesterday when asked about the police probe. The firm's executive director, Mr Ole Loiting'ye curtly said he had nothing to say before disconnecting his phone.



But at the company's headquarters in Dar es Salaam investors seemed unmoved by the recent media reports. Some people jam the offices from as early 3am to late hours.
















Posted Date:: 2009-04-02 07:38:00
Early entrants may haverst what they didn't sow but the laggers will reap a heavy loss and may cry. Join and withdraw earlier for easy money or never join late when the pyramid is exhausted. Read and see !
Clients flock to DECI despite queries on future
By Florence Mugarula

Offices of Development Entrepreneurship for Community Initiative (DECI) in Dar es Salaam remain a point of attraction for people seeking to deposit their savings despite the company's refusal to assure its clients about its future.

DECI's officials have refused to shade some light on their business operations amid revelations that a company with a similar name and operations collapsed in Kenya last December with Sh10 billion in clients' savings.

The Citizen reporters witnessed long queues of clients at the company's Mabibo headquarters waiting to deposit their savings.

The company, run by the Jesus Christ Deliverance Church, has collected millions from people who have been attracted by super returns on their deposits. The church-run financial institution has pegged its interest rates at a staggering 300 percent issued in three months.

The Mabibo offices are always jammed from as early as 3am in the morning to late hours in the day by eager clients of the scheme popularly known as 'pyramid' or 'ponzi' scheme.
However, DECI Tanzania board Chairman, Reverend Jackson Mutalesi, and the firm's Executive Director, Mr T. S. Ole Loiting'ye, have denied that their operations were a pyramid scheme.

The two dismissed concerns by some banking professionals about the sustainability of their financial institution. Experts have warned that depositors' money could be lost and warned people who have been attracted by unrealistic interest rates to think thwice.

But Mr Loiting'ye was yesterday unfazed when approached by The Citizen to comment on reports that a company called DECI Kenya Limited, also run by a church, went under in December following an investigation by the government into pyramid schemes that had swindled unsuspecting clients of millions of shilling.

He said in a telephone interview that he had nothing more to say about their company. He also said he was not willing to meet The Citizen reporters over the matter. "What more can I say? Your paper has already written everything about DECI and its operations, " said Mr Loiting ye.

Attempts to reach the official at the Mabibo offices were thwarted by private security guards and two armed policemen who said they had instructions not to let in any journalists. Scores of hotlines were switched off for the better part of the day.

A man who did not identify himself and waving a copy of The Sunday Citizen newspaper that broke the story about the company ordered out photographers who had gained entry into the compound.

"If you are from The Citizen then you better leave this place, you have already written a lot about us, you have besmirched our operations and you took photographs of our clients without our permission, just go we don t need you here," he said as he pushed him out.

Surprisingly however, many of the clients who were in the long lines seemed oblivious to concerns that have been raised. Most of them said they had not heard anything about the company and that they had seen colleagues earn "huge returns" on their first deposits.

Mr Hamis Misungwi, who joined DECI last year, said he believed the company would not disappear since it had been in operation for almost two years now. "If indeed it is illegal then many people will collapse of high blood pressure because they have pumped in a lot of money," he said.

Another customer, Ms Arodia Kisule, said she had never heard anything about DECI Kenya Limited. According to her, many people were confident and believed the company would not peter out easily.

"We believe DECI can not vanish, the company has already established branches all over the country, they have employed a lot of people, we are sure DECI is here to stay," Ms Kisule said.

Moreover, Geofrey Mtiganzi said that the company was making a lot of profit through the people's money. He said according to his experience, the money collected was loaned to other people who later pad back with interest.

The DECI officials have declined to confirm if indeed they invested the money in third party ventures to earn the said interest.

The DECI Kenya Limited run by faith based organisations went under with nearly KSh600 million (nearly Sh10bn) of deposits by its members spread across the country and is now subject to government investigations.

It was not immediately clear if DECI Tanzania Limited has any links with the Kenyan outfit. It may be a coincidence but the similarities between the two firms are striking. Like the collapsed Kenyan firm, they have the same name and were both started by religious organisations.

Both operate pyramid kind of financial scheme. According to reports in the Kenyan media, DECI Kenya Limited operations went under when the government started a crackdown on suspected pyramid schemes.

A number of religious leaders in Kenya later admitted to having misled their flock into joining the pyramid scheme.

Bishop Peter Ndegwa of Grace Chapel told a government investigating team that the flock joined the pyramid schemes because their spiritual leaders, like him, were fronting them.

Ndegwa who was managing DECI outlets in Kenya's Central Province said those who fell to the trickery lost their money. Bishop Erastus Njoroge also owned up, but said its proponents had also duped them.

The DECI Tanzania has registered 500,000 members in a revolving fund scheme whose rapid expansion, opening 37 branches in a short period has raised eyebrows within the micro-finance development sector. An estimated 3000 people visit its Mabibo offices everyday."

Regards

FP

 

[Shelute Mamu]

Kama mambo ya kuliwa Wantanzania yako mengi sana na bora kuliwa na Deci ambayo inagawia maskini kuliko wanaonyang'anya maskini hata kile kidogo. Kuna mifano mingi ambayo wenye Mapesa wamedhulumu watu kwa mfano - Iddi Simba na mke wake walianzisha Mpango ambao walisema ni kwa wanawake kujengewa nyumba za mikopo eneo iliyokuwa Tanganyika Packers na mpango huo ulikuwa unaitwa KIWADECO. Alikusanya mabilioni ya fedha kutoka kwa kina mama baada tu ya makusanyo hayo hakuonekana tena na akina mama wanalia hadi leo.

Cassino zinazochezwa ni mchezo mwingine wa wizi lakini wa matajiri watu waliwa sana huku na wengi wamefilisika lakini kwa kuwa wanakwenda kwa hiari yao inakuwa ni juu yao hawalaumu mtu.

Kuna hizi kamari zingine za mitandao labda kwa kutuma message, mtu anawania kupata labda milioni 3 watu wanaingia kubahatisha kwa hiari zao wenyewe na wanaliwa sana wakati makampuni wanapata "a lot of money" kwa njia tu za kitapeli tapeli - kwa hiyo kuna utapeli mwingi mwingi TZ lakini yote hii sababu ya ugumu wa maisha. Watu walilizwa na TOL na mengine na mengine .......

DECI angalau ukipanda 10,000= masikini huyo anapata Tshs.25,000 ambazo anaongezea kamtaji kake ka maandazi. Na hizo hela siyo kwamba Watanzania wanapenda DEZO bali zinawaongezea mtaji yao.

Kwa tuwaache hao wanakwenda DECI waende kwa hasara zao wenyewe.