DECI Tanzania: Ilivyoanza, ilipo na hatma yake

Ndio, DECI wanahitaji kujenga uaminifu miongoni mwa watanzania ili wapate wateja wengi zaidi. Hawawezi kutoweka kwa sasa mpaka wale ambao sio risk takers waaminishwe kuwa wanaweza kutajurika kupitia DECI. Watakapokuwa na mabillion kibindoni, ni siku moja tu utasikia ofisi na wahusika hawapo na ndipo itakapokuwa kilio na kusaga meno
 
Poleni, Kiswahili changu siyo kizuri kama kile mmezoea lakini nimeona ni lazima niwajulishe kuwa hapa Kenya DECI ilikuwaa na saa hii tunajuta mimi nikiwa mmoja. Kama ni ile ile ilikuwa hapa. saa hii watu wengi tumepoteza hela zetu na hatuna matumaini ya kuzipata tena kwa vile hata serikali haisemi chochote
 
Deci si chochote bali ni PONZI SCHEMES, ambayo baadhi ya watanzania wenzetu, wameaminishwa kwamba ni mpango mmoja mzuri wa kijasiriamali.

Wanachofanya hawa ni kuchukua pesa za Ashura na kumlipa Joy,halafu kuendelea kukusanya za wengine na kuwalipa wengine, huku wakiomba watanzania wasijeshtukia mapema janja hii. Mtu anaweza kufikiri kwamba unaweza kukusanya hela za watu kila siku, hii si kweli kwani kila biashara au jambo lina ukomo. Katika hili, watanzania wanatakiwa kuelewa kuwa, Hawa DECI kwa kiwango fulani, wapo katika hatua za awali za kukua na ambayo inategemea imani ya watu katika mfumo huu. Ni dhahiri,kutokana na mbinyo wa kifedha duniani, kiwango cha hela katika mzunguko wa Tanzania kitapungua, na hivyo kusababisha watu kupungua kuweka pesa zao kwenye mipango kama DECI. Watu wa benki wanalijua hili vizuri, na ndio maana huanzisha

Alichochangia Muthoni huyu wa Kenya, ni dhahiri kabisa, DECI imewaliza wakenya na hadi wanadeci Kenya wenye hasira wakamtupa meneja wa DECI moja toka ghorofa ya nane na kufa papo papo. Serikali ya Kenya imeingilia na kuunda tume, kama kawaida za TUME ambazo huundwa baada ya takio wakati maafa yameshatokea.

Baada ya kusoma juu ya udhalimu wa DECI waliofanyiwa wakenya, nilidhani baada ya kusoma posts mbalimbali hapa JF, watu wangeng'amua na kuwa wamefikia ujuvi wa kugundua hii janja. Kwa vile bado, wengi hawaelewi nini kinaendelea na watu wanaendelea kutetea, basi naona sina namna bali kuweka hadharani links za Kenya, ili watu wajue jinsi DECI ilivyoliza watu huko Kenya. Au kama wachangiaji wataona si busara tuambizane!!!

Ndugu mmoja alinipa experience yake na DECI . Alipanda mbegu kama Sh. 60,000, baada ya kutoa ada ya kiingilio Sh. 20,000. Hivyo miezi mitatu au wiki (12) zikawa zimepita na akaenda kwa ajili ya mavuno ya Sh. 150,000.

Siku ya kwanza wakamwambia, hawawezi kuvuna kwa sababu idadi ya wavunaji imetimia hivyo arudi kesho. Jiulize kwanini arudi kesho yake? Jibu pesa walizokusanya siku hiyo au jana yake , hazikutosha kulipa watu ambao awali waliwaahidi kuchukua. Kumbuka ukikosa kuvuna siku waliyokuahidi, pengine kwa kushindwa kwa sababu moja au nyingine ni vigumu sana kuvuna tena katika siku za karibuni.

Alivyokwenda siku ya pili, yeye atumai watampa hela yake Tsh. 150,000 minus 15% deduction, akaishia kupata sh. 47,000, wakata annual fees 30,000, alipotaka kuchukua na hela yake ya mbegu, wakasema haiwezekani hadi atoe taarifa ya miezi mitatu!!! Kumbuka haya masharti mapya hakuelezwa wakati wa kupanda.

Ni kweli watu wamepanda na kulipwa , lakini kumbuka hakuna kipya chini ya jua, kama Kenya wamelizwa ni muda tu, hapa kwetu kilio kikubwa kitasikika.

Kuna watu wanauliza kama, serikali inafanya nini au kwanini jamaa wa wale wa MASOKO ya mitaji, au kwa maana nyingine BENKI hazijaingilia?

Benki Kuu na serikali watakachofanya na kuwatahadharisha wanachi kwamba uwekezaji na namna hiyo ni hatari na yeyote anayefanya hivyo ni kwa hasara yake mwenyewe. Ndivyo serikali ya Kenya ilivyofanya, lakini kama binadamu alivyo, anapokuwa anaongozwa na tamaa au hisia zake (hasa harufu ya mafanikio) basi hawezi kusikiliza la mnadi swala au paroko.

Ni jukumu la kila mtu kupima na kuamua kama anahitaji kujihatarisha kwa kiasi gani na hizi schemes.
 
"The end is nigh"

Kenyan links to investment firm,
By Florence Mugarula and Orton Kiishweko.

A Kenyan company with a similar name to the revolving fund scheme that has wooed thousands of investors in Tanzania collapsed last December with millions of shillings of depositors' money, The Citizen has established.

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

Run by faith-based organisations, the Kenyan company went under with nearly KSh600 million (over Sh10 billion) of its members' deposits.

It is not yet clear whether or not the Kenyan company has any link with the Development Entrepreneurship for Community Initiative (Deci) Tanzania Limited.

But besides the similarity in name and line of business to the Kenyan company, Deci Tanzania is also run by faith-based organisations.

Efforts to get a comment from Deci Tanzania officials were fruitless yesterday as they were said to be in a closed-door meeting for the greater part of the day.

The Citizen visited the company's Mabibo head offices in Dar es Salaam where a security guard said all the managers were in a meeting until the time of going to press.
Their mobile phones were all switched off.

The Dar es Salaam based company was founded and is run by officials of the Jesus Christ Deliverance Church.

Like the defunct Kenyan company, it operates a pyramid kind of financial scheme, which highly risky to the depositors.

Deci Tanzania board chairman, Reverend Jackson Mutalesi, and the firm's executive director, Mr Ole Loiting'ye, last week denied their operations were a pyramid scheme.

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

A number of religious leaders 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.

The cleric who was managing Deci outlets in Kenya's Central Province said those who fell to the trickery lost more than Sh600 million. Bishop Erastus Njoroge also owned up, but said its proponents also duped them.

The Deci Tanzania operations have registered 500,000 members in a revolving fund scheme whose rapid expansion in the country has raised eyebrows within the micro-finance development sector.

Banking professionals in the country warned local investors that the scheme had high risks and people should avoid rushing to tie their savings with it.

But Mr Loiting'ye said his company would not collapse arguing that it does not belong to the claimed pyramid category of business.

"We are here to provide services to fellow Tanzanians; this company is for the people who want to get rid of poverty," he told the Sunday Citizen in an interview last week.

The firm accepts a minimum of Sh10, 000 to the highest of Sh5 million. A mandatory and none refundable deposit of between Sh20,000 and Sh300,000 is also paid.


Source: TheCitizen Newspaper
 
jamani mnanitisha! Mie nategemea kuvuna tarehe 17 mwezi wa 4. Niliweka laki 2. Eee Yesu nisaidie nikachukue pesa zangu zote tarehe hiyo.Kwa maoni ya baadhi ya watu naanza kutoamini DECI
 
Hiyo article kwenye citizen, inafanana na zile links ambazo niliahidi kuweka hapa JF.

Hapa ni wakati maumivu yanaanza kidogo kidogo

Chaos as DECI Fails To Pay
Date: Fri 18th May 2007
Mediahouse: The People Daily
By NICHOLAS NDIRANGU And JAMES MUNYEKI

PANDEMONIUM reigned at the Nyahururu offices of Development Entrepreneurship and Community Initiative (DECI) yesterday as members sought payment of their dues in vain.

Hundreds of investors descended on the company's offices demanding the payment of the Initial deposits they made to the company since 2003.

But the investors who converged there from Ndaragwa, Kipipiri, Kinangop, Kinamba and Rumuruti got a rude shock when they were advised to return at a later date.

Members of staff at the offices, situated at the prestigious Kimwa Centre, told the investors the company could not pay them because it was mourning the recent death of a senior manager in Nairobi.

An 83-year-old depositor from Nyahururu's Maina slums wept uncontrollably after being told her dues would not be paid as promised. Ann Njoki Ndirangu, who became the unwitting spectacle at the company's offices after defying an order to leave, insisted on staying there until she was paid Shs 24,OOO, being her Shs 8,000 deposit plus interest.

She explained that she had exhausted all her resources to join DECI after being promised that she would get more money within two months. "I had to work as a casual labourer in our village to raise the money which I later deposited with DECI. But now it's all gone," she lamented.

Charles Chege, another investor who had deposited Shs 14,800, claimed that he has been visiting the offices for the last three months but he was given only empty promises.

He said the staff at the offices only told depositors to leave their contacts with the secretary to facilitate communications once the money was available. "We have even deposited some Shs 6,400 from our self-help group. But now it is all lost, " he complained.

Notices displayed on the walls indicated that the payments would be delayed as the cheques had not matured. They are dated March 7. Contacted for comment, John Gicheru, the office manager, referred the press to regional manager Peter Ndegwa who is based in Nakuru.

Speaking on the phone, Ndegwa said the company was experiencing financial strains all over the country but pledged that millions of shillings owed to investors would be paid soon.

DECI chief executive officer George Donde, while in a meeting in Nyahururu town last week, assured investors that their dues would be paid soon.

CHANZO: Chaos as DECI Fails To Pay | Mars Group Kenya

Hebu angalia hii, wajanja wengine wanataka kuwaliza watu waliokwisha lizwa na DECI

=======

Debt collectors prey on pyramid scheme victims
From eastandard.net
By John Ndegwa

When Stephen Mwanzia Muema read a classified advertisement claiming that anybody who had lost money in pyramid schemes could recover their hard earned cash, he felt like his prayers had been answered.

Mwema, 34, who runs a food kiosk in Kawangware, Nairobi, had last year invested Sh10,000 in Development Entrepreneurship Capacity Initiative (Deci), one of the pyramid schemes that swindled unsuspecting Kenyans millions of shillings.

But after 10 months of following up on every turn and twist of the Deci rip-off, he finally saw light at the end of the tunnel.

"I saw a newspaper advertisement saying that people could recover money lost in pyramid schemes and I decided to seek the agencys help," he says.

The advert that attracted Muemas attention read in part: "Have you invested your money in pyramid schemes, business community Saccos and they have closed their offices, have failed to pay you, have cheated you with excuses? Stop the stories and excuses! Recover your money now!"

New breed of con artists

Thus when he stepped into an office on Nairobis Kenyatta Avenue, Muema was confident that his tribulations were about to end.

But were they? Apparently and as it turned out, Muema was yet again walking into another deceiving trap.

To recover his Sh10,000 he was told that he needed to produce all the Deci receipts, a copy of his national identity card and pay Sh2,000 registration fee.

Because his money was less than the minimum amount of Sh75,000 threshold the agency was recovering, he had to pay a five per cent facilitation fee.

In total, Muema was required to pay Sh5,750 upfront before the agency could embark on recovering the Sh10,000 he lost in Deci.

According to the lady who served him, it would take four to six weeks to recover the money after which he would pay a final five per cent fee.

If he recovers his money, Muema would have paid the agency Sh9,500.

Unknown to Muema though, the people who allege they could help him recover his money represent a new breed of con artists operating under the guise of debt collectors.

Though debt collection agencies have existed for years, the new crop of swindlers is operating on the pretext of debt collectors targeting desperate investors who lost their money in pyramid schemes.

According to Mr Peter Wanjau, an accountant at a leading beverages distributor and a former debt collector, the agencies are claiming they can recover money on behalf of those conned by pyramid schemes are in fact former pyramid scheme operators who have turned to debt collectors.

"They have realised that people who lost money in pyramid schemes are desperate to recover their money and are easy targets," he states.

When Shillings & Sense visited the agency that had placed the adverts, a man at the office said they follow up cases for people who lost money in pyramid schemes upon entering a "voluntary agreement" with the distressed party.

"We work with lawyers to file cases on their behalf and wait for the legal process to take course," he explained unconvincingly, adding that their target is usually frozen accounts of pyramid schemes rather than the directors.

On why they charge a registration fee and ask for a percentage against the amount to be recovered instead of recovering the money first and paying themselves from the recovered money, he said: "Ours is a service and even when you go to a lawyer or doctor you must pay a consultation fee."

According to Wanjau, individuals disguising as debt collectors to con gullible people are operating on the basis that there is no law that regulates the practice and conduct of debt collectors.

This has effectively provided room for anybody to set up shop and operate as a debt collector. "This is a business that anybody can engage in" he explains, adding that in fact most are briefcase operators with no professional training.

Traditionally debt collectors have been viewed as ruffians who enjoy harassing, intimidating, threatening, attaching and even auctioning a debtors properties.

This has made some people believe that because the government has failed in helping them recover their money from pyramid schemes, debt collectors can use their skills to help them.

But according to Mr Wachira Ndege, the group operations director at Credit Reference Bureau Africa, people need to realise the traditional methods of debt collection no longer work. "Things have changed and being crude does not work," he says.

CHANZO: CREDIT KENYA: Debt collectors prey on pyramid scheme victims

Hii hapa Serikali inajaribu kusaidia kupunguza makali
=======

Nyaga unveils taskforce to investigate pyramid schemes
Published on 10/02/2009
By Susan Anyangu
Co-operative Development Minister Joseph Nyaga has unveiled a taskforce that will investigate collapsed pyramid schemes that swindled Kenyans off billions of shillings.

Mr Nyaga launched the nine-member taskforce that will be chaired by Mr Francis Nyenze, on Monday.

Speaking during the launch, Nyaga said the taskforce would have a three-month mandate to establish who were behind the schemes.

"The taskforce will go around the country, especially the crisis regions which include Nairobi, Mount Kenya and Western province. They will seek to establish how we can resolve the problem and prosecute those involved," Nyaga said.

In 2006 and 2007, there was an influx of organisations luring innocent Kenyans to invest cash with a promise of quick returns. The market regulator, Central Bank of Kenya issued a warning that the schemes were operating against banking regulations, as they were not allowed to collect cash deposits.

How investors lost

When the Government started a crackdown on suspected pyramid schemes, the owners panicked and went underground with billions of shillings invested by innocent Kenyans. The taskforce is expected to establish the number and nature of pyramid and other related schemes and the identities of their directors.

"They will investigate the amount and whereabouts of funds invested into the schemes. They will also formulate and recommend strategies to apprehend operators with a view of prosecution," said Nyaga.

At the end of three months, the taskforce will present a report, which will include recommendations and mechanisms for recovery of funds invested.

CHANZO: The Standard | Online Edition: Nyaga unveils taskforce to investigate pyramid schemes

Hapa utaona jinsi mashirika ya kidini, yalivyoshiriki kuwatapeli wauumini wao, yaani hizi issue ili watu waiingizwe ilibidi imani itumike, ole wao.

RIZIKI - Wahubiri walikuwa maajenti
WATU wengi wilayani Murang'a Kaskazini walilazimishwa kuokoka kabla ya kuruhusiwa kuwekeza pesa katika mashirika ya Pyramid (piramidi) yaliyofilisika.

''Wahubiri wa makanisa ndio walitumiwa kutafuta wateja wa kuwekeza katika mashirika ya Deci na Clip Investments, na mojawapo. Baadhi ya masharti yalikuwa lazima mteja awe mwongofu, na awe na barua kutoka kwa mchungaji wake ya kuthibitisha alikuwa mwongofu na kukiri Yesu ni Bwana,'' baadhi ya waliopoteza mamilioni ya pesa katika mashirika hayo waliambia kamati ya uchunguzi.

Kamati inayochunguza kashfa hiyo ya mashirika ya piramidi inayoongozwa na aliyekuwa Mbunge wa Makuweni, Bw Francis Nyenze, ilionyesha kusikitishwa na maelezo yaliyokuwa yakitolewa na wananchi waliopoteza pesa zao katika mashirika hayo.

UCHUNGUZI Kamati hiyo ambayo ilifanya kikao chake katika chumba cha mikutano cha Mugama Union Board, mjini Murang'a, iliambiwa visa vingi vya watu kujinyonga ambavyo vimekuwa vikiripotiwa katika sehemu hiyo, vilitokana na kuvunjika moyo na kukata tamaa.

Aidha, ndoa nyingi zilivunjika baada ya wanawake wengi waliovutwa na maneno matamu ya wachungaji na matumaini ya kujiongezea mapato kupitia mashirika hayo, kupoteza pesa zao zote. Jambo hili lilisababisha mikwaruzano kati yao na waume zao.

Bw Wilson Gatu, aliambia kamati hiyo jinsi alivyopoteza Sh1.5 milioni mnamo 2007 baada ya kuwekeza katika mashirika hayo.

''Nilihimizwa na mhubiri mmoja niwekeze pesa zangu ambazo nililipwa baada ya kustaafu katika mojawapo wa mashirika hayo ya piramidi, na hadi leo, hakuna chochote nimepata,'' Mzee Gatu alieleza kwa masikitiko makubwa.

Mwanamke ambaye hakutaka jina lake litajwe, alieleza jinsi anavyodaiwa na wanawake wenzake Sh500,000 ambazo aliwekeza kwa piramidi kwa niaba yao.

Alieleza vile alivyowekeza Sh5,000 na kisha akapata Sh12,000.

MATUMAINI ''Nilipoona kuna mapato, niliamua kuwekeza Sh100,000 katika akaunti ya Deci, lakini hadi sasa sijapata chochote,'' mwanamke huyo alisema kwa huzunu uliochanganyika na hasira.

Kamati hiyo iliambiwa kuwa maafisa wa shirika la Deci walikuwa wakiweka pesa katika akaunti zao za kibinafsi.

Wakati wa mkutano huo, Kasisi Ben Irungu wa Kanisa la Assemblies of God, alikabiliwa na wakati mgumu kuelezea jinsi walivyoajiriwa na Askofu Peter Ndegwa wa Kanisa la Winners Transaction Network kuwa maajenti wa shirika la Deci.

Bw Nyenze alifichua kwamba wananchi wa Mlima Kenya walipoteza zaidi ya Sh600 milioni katika mashirika hayo.

Kamati hiyo inachunguza mashirika 132 ya piramidi ambayo yalifanya Wakenya wapoteze pesa zao.

Baadhi ya mashirika hayo yametoweka na kufunga afisi.

Wananchi wameiomba serikali kuwasaidia kupata pesa hizo walizowekeza.

Hata hivyo, serikali ilifunga akaunti za baadhi ya mashirika uchunguzi ukiendelea.

CHANZO: RIZIKI - Wahubiri walikuwa maajenti


Nafikiri kila mmoja sasa ana DATA za kutosha endapo aongozwe na tamaa zake au kuweka imani yake kwa DECI.
 
Makubwa,mbona nilikua na mpango wa kujiunga mie,hebu niachane nayo kabisa,jamani huku Arusha imekuja tena nyingine inaitwa Matoponi Network nayo kidogo inanitisha mie.
 
Kwa kupitia Daily News, BOT + Capital Markets Authority ( CMSA), wanaonya wanajamii, kwamba kushiriki katika DECI" They warned the general public to desist from participating in the scheme operated by DECI Limited and that any dealings with the company were at their own risk."


Someni Daily News la 02- April-2009, ukurasa wa kwanza juu kushoto kabisa.

Sasa kitachokufuatia ni kwamba, baada ya taarifa hii ya BOT + CMSA na ile ya gazeti la jana, watu watakuwa na mashaka na hofu, hivyo itapunguza watu wapya wanaotaka kujiunga, na wale walijiunga watahitaji pesa zao.

Ni punde DECI watashindwa kulipa hayo mavuno waliyoahidi watu, na yale yaliyotokea Kenya, yatakuwa dhahiri. Kilio, hasira, kuvunjika moyo na mambo kadhaa wa kadhaa tuyategemee.
 
PanguPakavu said:
hivi watanzania wasichoelewa ni nini??
hao watu wanachofanya ni kukusanya fedha kutoka kwa wanachama wapya na kuzigawa kwa wanachama wa zamani.

here is the catch:
utafika wakati wanachama wapya watakuwa wachache na hawatoshelezi mahitaji ya wanachama wapya.kinachofuata hapo ni hao jamaa wa DECI kutokomea.kwa kuwa nchi yetu hamna anayejali basi jamaa watapeta tu mtaani.

weka pesa zako kwa hao jamaa ila ukae ukijua siku rate ya cash outflow ikiwa kubwa kuliko cash inflow utakuwa mhanga wa utapeli.
najua ni maisha magumu na TAMAA ndio inasababisha haya yote.

Vyombo Vya sheria viko wapi?Hivi TRA and the like ndio wanatoa leseni kwa watu wa aina hii siku hizi??
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Haya ndiyo matatizo yanayotokana na kuwaachia wananchi wawe maskini wa kutupwa na ilihali nchi yao imesheheni utajiri wa kila namna tuliopewa na mwenyezi Mungu.Keki ya Taifa ingetosha sana kutulisha wote hata kama hatutashiba sana lakini ile njaa kali ingepungua.Tatizo kuna walafi wachache wanaokula, kushiba, kuvimbiwa na kujitapisha ili warudie kula tena na tena ilhali wengi wana njaa kali hadi tumbo na mgongo vimekaribiana!

Pata picha hii: mtu yuko so desperate to make ends meet - anahitaji mtaji au fedha kwa matumizi yake ya muhimu - kulipa kodi au kujenga kakibanda, kusomesha watoto nakadhalika.Anasikia kuna DECI au utaratibu ambao kama uta take risk unaweza kubahatisha kabla mambo hayajaharibika.Anaona jirani au ndugu wa karibu akifaidika na mpango huo.Kitakachofuata ni nini? Atachunguza kujua hatma ya mpango huo ni nini au atajitosa na yeye afaidike?
Jibu nadhani wote tunalo.
 
bernardp said:
Nilishabahatika kufanya mahojiano mafupi na mfanyakazi wa hapo mabibo mwisho, na naomba niweke hapa baadhi ya mambo machache tu yaliyonitia wasiwasi. (Usiniulize jina lake)

1. Kuweka au kutoa fedha ni kwa keshi (cash). Na hizo fedha hukaa ndani ya makabati yaliyowekewa vidude vya kuita security kama kuna mtu anataka kuiba.
2. Fedha zinazowekwa na kutolewa zinahifadhiwa zote katika ofisi ya kufanyia malipo na kupokelea. Ila kwa data ambazo sijazidhibitisha, wamefungua akaunti katika benki moja ya hapa dar hivi majuzi tu.
3. Fedha zilezile "zinazopandwa" na kiasi fulani kidogo cha ada ya kujiunga ndizo zinazotumika katika kulipia security, wafanyakazi, pamoja na kulipa wale wanaokuja kuvuna.
4. Kuna ulinzi mkali ndani na kamera za kulindia hizo fedha.

Hayo tu hapo juu yananifanya niwe na sababu za kuitilia shaka DECI.
1. Kama hawana mfumo wa kuhifadhi fedha au kuziwekeza kule wanakozi"MULTIPLY" au kuzizalisha kama vile mti uzaavyo matunda kutakuwa wapi?
2. Kwa mtu anayejua fedha na accounting hesabu za kuweza kupokelea fedha sehemu moja tu bila hata kukopesha, au kuzitumia kuzalisha ni vigumu sana kuweza kuzi"MULTIPLY" kama wanavyodai.
3. Kama zilezile ndio zinatumika basi hapo itakuwa ndio PONZI SCHEME yenyewe.
4. Fedha zilizofungiwa mahali na kulindwa zitakuwa zinapungua kwa sababu ya INFLATION na kwa hesabu za haraka tu haiwezekani kupata faida ya kulipia hayo mavuno.

Jambo la pili ambalo sijalifanyia uchunguzi kama ni kweli au la, ni kuwa kuna taarifa zilishafika polisi ili waweze kuwakagua taarifa za mahesabu za hawa DECI. Kuna taasisi inaitwa

capital market and security authority(Capital Markets & Securities Authority - Tanzania)
6th Floor, PPF Tower, Ohio Street/Garden Avenue.
DAR ES SALAAM. TANZANIA.
Tel:+255-22-2114959/61 Fax:+255-22-2113846 e-mail: omaceo@cmsa-tz.org

Hii taasisi ndio inahusika na haya mambo kama kuna anayetaka kujiridhisha zaidi anaweza kuulizia.


Mwisho nitoe tahadhari tu kwa walio na "HIZI HISA" wafikirie zaidi ya hapo. na kufuatilia taarifa kutoka kwenye taasisi za fedha wajaribu tu angalau kujiridhisha.

Ila nina uhakika katika mfumo wa PONZI ni kuiba au kuibiwa, Ukifanikiwa kuiba bila mkono wa sheria kukupitia dhambi ya kuiba ukiwa na ufahamu haitaondoka kwa kufanikiwa kwako. Hata kama mtu akipata faida kubwa na kujenga majumba yatakuwa ya wizi. Hivyo kwa hili ni bora kujiridhisha kwanza kabla ya kuchukua hatua zaidi.
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Napenda kuwashukuru wote waliofanyia kazi hili la DECI maana nami nimeogopa japo i have nothing to loose kwani hela yangu ilisharudi.

Kuna watu waliondani ya DECI ambao nitawatumia ili wawezi kupenya na kutupa data zaidi ya nini kinaendelea. Ni kweli pale hela zinawekwa na kuvunwa kwa cash lakini katika makubaliano kuna kipengele cha kama unataka kupitishia hela bank. Nitaandaa maswali yangu then nitawamwagia hapa majibu nitakayopata huko.
 
One of my class mate has sent this information,

I know this may be a bitter pill to swallow for some of us who are in Deci lakini mjumbe hauawi. You will recall that i presented in class that DECI is an illegal scheme and its under investigation. At that time i couldnt tell you the specifics because there was no official communication kutoka kwa wakubwa.

Now bring you the official position as relayed by the BOT and CMSA on Deci. (I have attached the document). Kindly circulate it widely but there is no need to panic. I am informed that the governmet is working hard to ensure all the monies invested by people are safe and the state Security is now trying to trace the money trail (which apparently is difficult because DECI people deal with cash and dont save their money in the bank).

i317_DECI.jpg
 
For sure moderator, i've been away from forum about a year now!

Well n' good. Ya DECI yamekuwa dhahiri na watalizwa wengi tuu, ingawa nimeongea na jamaa yangu anayefanya kazi pale ananiambia watasettle haya mambo na kuendelea na revolving yao.

Kwamba BoT wanasema haina leseni: DECI wanasema wana leseni, Kwamba haipo kisheria: lakini wananchi wanaruhusiwa kuendelea for their own risk!
 
Wataalam kuna tetesi kuwa BOT imeifunga DECI taasisi ya kidini iliyokuwa inashughulika na kupanda na kuvuna hela kwani haijasajiliwa.

i317_DECI.jpg
 
urassa said:
Wataalam kuna tetesi kutoka redio za mbao kuwa BOT imeifunga DECI taasisi ya kidini iliyokuwa inashughulika na kupanda na kuvuna hela kwani haijasajiliwa, wenye taarifa zaidi wazimimine.
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Tunasubiri kusikia kilio
 
Kweli watu wengi watalia kwani walishauriwa hawakusikia kutokana na kutamani utajiri wa haraka.
 
Habari zilizotufikia sasa kuwa DECI wamebadili utaratibu wa ulipaji. Utaratibu mpya unaoanza leo tarehe 2/4/2009 ni kama ifuatavyo:

Malipo kufanyika mara tatu tu kwa mbegu moja na baada ya kuvuna mara tatu mbegu inakufa, hii inafana na utaratibu wa kampuni nyingine inayoitwa Tumaini iliyopo hapa Dar tu.

Therefore malipo ya chain isiyokwisha sasa yamekufa na uataratibu wa kukuza mbegu nao umekufa.

Habari ndio hiyo.
 
Scramble for quick, easy riches in Dar

By Tom Mosoba and Florence Mugarula.

Members of the public have paid billions of shillings into a revolving funds scheme whose rapid expansion in the country has raised eyebrows within the micro-finance development sector.

Some banking professionals are warning of inherent risks by both small and big investors who have rushed to tie their savings with the scheme that they are associating with the infamous pyramid schemes that have collapsed in the past, in Tanzania and elsewhere.

The alarm bells were being sounded in relation to the establishment of Development Entrepreneurship for Community Initiative (DECI) Tanzania limited whose directors have, however, dismissed any such fears as 'unfounded and witch-hunting'.

A private banker who called the Sunday Citizen to express his concern over the operations of DECI said it was attracting thousands of eager savers "by paying abnormal interest rates in a very short period."

"It is a loose 'merry-go-round' arrangement that puts to risk all the money paid by those who have joined it. There is no insurance for the deposits, but it is offering irresistible interest of over 300 percent in investment returns within just a few months,? the banker with one of the leading banks said. He requested not be named to avoid implicating his employer.

But DECI board Chairman, Reverend Jackson Mutalesi and the firm's Executive Director Mr T. S. Ole Loiting'ye defended their operations, citing the phenomenal expansion as evidence of their "clean dealings."

Mr Loiting'ye said his company wouldn't collapse, arguing that it doesn't belong to the claimed pyramid category of business.

"We are here to provide services to fellow Tanzanians; this company is for the people who want to get rid of poverty," he told the Sunday Citizen in an interview early in the week at DECI's headquarters located at Mabibo suburb of Dar es Salaam.

Reverand Mutalesi said the company was established to serve the poor who could not gain access to the mainstream financial institutions or banks. He denied they were out to benefit from the savers as "detractors want to imagine."

DECI's critics point out to the fact that they were collecting huge sums of money which they simply rotated around. This they said, would lead to piling up of demands for payments with super interests that DECI won?t be able to deliver.

The firm was registered as a company with limited liability with the Business Registration and Licensing Agency (Brella) in July 2007. It has been accused of operating like a micro-finance institution without proper documentation from Bank of Tanzania (BoT).

"I have contacted BoT to inquire if they have authorised or were aware of the kind of business that DECI was conducting but all those I talked to were in the dark," another bank employee told the Sunday Citizen. She said some of her relatives have pumped in Sh1.5 million.

"I was alarmed at the returns that they were receiving," she said, adding that the firm was telling clients that it was doing business with BoT.

Efforts to independently reach senior BoT officials for comment were not successful during the week. The bank's official in the communication department, Mr Emmanuel Mwero, said they could only answer to written queries. However, some employee at the bank said they have heard of DECI "jut like any other members of the public out there has."

"I cannot tell if they are among clients who have bought government bonds or treasury bills, but these too take time to mature and only earned a maximum of 15 per cent returns on investments," explained one of the BoT employees on condition he was not named.

Back at the DECI offices, Reverend But Mutalesi and Ole Loiting'ye said they were in good terms with BoT and even laughed off reports that the central bank had banned them.

Asked how they recouped the profits to pay depositors the huge interests, the officials were reluctant to reveal more details saying those were "business secrets as they are so many companies out there eager to learn the formula for our success for their own interests."

They said DECI relied on customers' contributions to extend its services to needy members' interests, which, they emphasised, did not mean using the deposits in other businesses.

"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,? claimed Mutalesi.

According to Rev. Mutalesi, the company has currently more than 500,000 customers whom he referred to as "participants". He said they comprised policemen, soldiers, prison warders and nuns. Others are teachers, barmaids, hawkers, mama lishe and many others.

Mr Loiting'ye said their project was formed out of an idea generated by the Jesus Christ Deliverance Church based at Mabibo Mwisho in Dar es Salaam. The church wanted to enable members earn some money on savings at a reasonable rate and time. It has since attracted more people from other faiths.

"More than 3000 people visit our offices everyday to harvest what they had planted for between six to twelve weeks. DECI has already put Sh35 billion into circulation since it was launched two years ago," said Ole Loiting?ye, adding that they have employed nearly 400 workers in 37 branches opened across the country.

The Sunday Citizen witnessed long queues of people waiting patiently in huge tents erected outside the offices in Mabibo to either pay their deposits or collect interest returns.

"We know there are companies which spread lies against us, some people have even said that DECI leaders have disappeared, but we are right here," the director said.

The company's slogan is "Plant and Harvest." The higher one saves the bigger the interest he or she earns.

The firm accepts a minimum of Sh10, 000 to the highest of Sh5 million. A mandatory and none refundable deposit of between Sh20,000 and Sh300,000 is also paid.

An investment of Sh10, 000 brings in Sh25,000 after two months for the low savers. Those "planting" Sh20,000 get Sh50,000, Sh40,000 earns Sh100,000 and Sh60,000 yields Sh150,000, Sh80,000 gets Sh200,000 while Sh100,000 earns a refund of Sh250,000 in return for the same period.

Medium savers starting with 120,000 earn Sh300,000, followed by those with Sh140,000 which brings in Sh350,000, Sh160,000 for Sh400,000 and Sh180,000 which brings Sh450,000 and Sh200,000 which pays back Sh500,000 after five months.

The big entrepreneurs according to DECI?s instructions forms start with a deposit of Sh500,000 which earns them a refund of Sh1.25 million after a period of three months.

Sh1 million earns Sh2.5 million while Sh2 million earns savers a whooping Sh5 million after four months. The amount rises with the deposits with the maximum of Sh5 million earning one Sh12.2 million in six months. Highest earners are additionally asked to pay 10 percent of the 'harvest' to offset operational costs.

All the others are deducted 15 percent of the 'harvests' as the cost for the operations.

Source: Sunday citzen 29/3
 
NgomaNzito said:
Habari zilizotufikia sasa kuwa DECI wamebadili utaratibu wa ulipaji.
Utaratibu mpya unaoanza leo tarehe 2/4/2009 ni kama ifuatavyo:
Malipo kufanyika mara tatu tu kwa mbegu moja na baada ya kuvuna mara tatu mbegu inakufa, hii inafana na utaratibu wa kampuni nyingine inayoitwa Tumaini iliyopo hapa Dar tu.
Therefore malipo ya chain isiyokwisha sasa yamekufa na uataratibu wa kukuza mbegu nao umekufa

Habari ndio hiyo
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mama yangu wee nimekwisha! kuna nyingine inaitwa Tumaini na yenyewe wanadai wana kibali kutoka BOT unaweka milioni moja kiingilio laki moja then after 3month unapata 1,704,500
Nadhani huwa tunachalewa sana ku take action jaman yani kuna ndugu zetu ambao hawana ufahamu wowote wameingia kwenye hizi schemes sio kosa lao maana hawajui haya mambo risk.

Jaman kuna vikampuni vingi vya ajabu siku hizi mkienda pale Jmall floor 2 mtakuta kunawatu wanajiita KoLI financial ni wizi mtupu interest 30% per month bado unatakiwa kuacha downpayment ya 50% na membership ya 32,500 hii hakuna sehemu yoyote hebu mtu aende akajionee mwenyewe.
 
urassa said:
Wataalam kuna tetesi kutoka redio za mbao kuwa BOT imeifunga DECI taasisi ya kidini iliyokuwa inashughulika na kupanda na kuvuna hela kwani haijasajiliwa, wenye taarifa zaidi wazimimine.
Click to expand...

Uliyeandika unatakiwa uzimimine do your work plz
 
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