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Do we need low interest rate?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Shamu, Jul 9, 2009.

  1. S

    Shamu JF-Expert Member

    #1
    Jul 9, 2009
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    Mashaka posted business article on Michuzi blog, discuss that TZ needs to low its interest rate.His article focus more on critics of the system than solve the problem. However, he stated about Interest rate to be very high; in contrast to rich countries like USA, Britain. My question is, utapunguza vipi interest rate TZ bila ya kuleta inflation? Because, utakapoongeza money supply kwenye system lazima kuwepo na commodities ambazo zinapatikana kwa urahisi sana, in order to reduce inflation. TZ hatuna vitu vingi ambavyo utavipata kwa urahisi. TZ hatuna viwanda vingi, tuna upungufu mkubwa wa saruji, oil,nk. Any one can explain how Low Interest (that will increase money supply) will help TZ, without increase inflation. What about the value of our money shillings, is low interest won't affect Tshs?
     
    Last edited: Jul 9, 2009
  2. M

    Malyamungu JF-Expert Member

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    Jul 9, 2009
    Joined: Jul 5, 2009
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    Ndugu unachokisema ni hoja nzito sana.

    Kwa muono wangu low interest is to attract loan sickers and entrepreneurs are able to develop their rapport with their counterparts financiers.

    Niko tayari kurekebishwa.

    Kwa kawaida riba ndogo ni kumvutia mwekezaji ili aje akope kwenye hizo benki na wakati huo benki zina uhakika wa hela zao kwamba zitarudi.

    Hii yatokana na miundo mbinu za uzalishaji ambazo pindi zinapoundwa taasisi za fedha wanakuwa wao ndo washika dau na uhusika wao ni mkubwa kushinda hata serikali yenyewe. Huwa serikali inaingia kama msimamizi wa sheria tu (statutory body) wakijua revenue will be generated.

    Tukirudi kwenye mada kwa Tanzania ni vigumu kidogo kwani sheria za biashara na za uwekezaji bado ni tata nikiwa na maana ya miundo mbinu iliyopo haifai Mtanzania akopwe hata laki moja kwani riba iliyopo hapo ni kubwa kuliko za wengine.

    Pili taasisi za fedha hazijumlishwi kwenye michanganuo ya uundwaji wa sheria za fedha; kwa mfano mwanaJF hapa Janvini ,namnukuu"bajeti ya wizara ya fedha ilipotangazwa ina sheria ndogo ya wenye mapango ya kupangisha nyumba za kuishi nao walipe kodi" Mwisho wa kunukuu..

    Swali langu ni kwamba? Je! kuna taasisi yoyote ya fedha ilishirikishwa kutoa michanganuo ya mwelekeo wa jinsi hao wenye hizo amana watakavyoweza kukopa benki?. Kumbuka hapa tatizo mama ni uzalishaji na benki inaangalia uzalishaji pia wana wataalamu wao wa kuangalia fedha zinapatikana wapi. (Rememer revenue increase ambayo serikali ndo lengo lake).

    Benki zetu za TZ zimewekwa tu kama picha na serikali haitaki ushauri wowote kutoka kwenye tassi za fedha. Hii yote ni ung'ang'anizi wa madaraka siyo tu kwenye siasa ndo maana fedha zikaibwa kule BOT na mabenki yalikuwa yanajua kwani wao ni wataalamu wa kuangalia finacial crimes hata hao polisi wanawatumia bankers kujua wizi wa fedha. It is problem here.

    nawasilisha.
     
  3. S

    Shamu JF-Expert Member

    #3
    Jul 10, 2009
    Joined: Dec 29, 2008
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    I will disagree with you on interest rate.Firstly, we don't have independent central bank(like US federal reserve) that controll our interest rate. Second, Kuna wawekazaji wengi ambao wanataka high interest in order to invest their money in financial institutions. For instance, if you're investor you can gain profit from CD, money market, stocks, etc. . However, tatizo kubwa la TZ, hatuna cheap commodities ambazo zinapatikana kwa urahisi. Tungekuwa energy independent, viwanda vingi, nk. Hapo ungesema we need to reduce our interest rate. Kama kila MTZ ataweza kukopesha hela kwa urahisi, basi vitu vingi vitapanda bei haraka sana.
     
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