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Do You Know This?

Discussion in 'Habari na Hoja mchanganyiko' started by HeartBreaker, Mar 8, 2008.

  1. H

    HeartBreaker Member

    #1
    Mar 8, 2008
    Joined: Mar 8, 2008
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    Hodi janvini kwa heshima na taadhima.

    Mimi nimeguswa na kusikitishwa na wizi unaofanywa na hizi financial institution zinazotoa mikopo kwa wafanyakazi wa serikali. In my case i will use B Blue iliyopo pale bibi titi road kona ya kuingia posta mpya though inarepresent others. Jamani hawa ni makaburu wa south afrika na wanakopesha pesa kwa wafanyakazi wa serikalini tu, tena mkompo ni wa within 24 hours eti ushapata, Cha kusikitisha kilichonifanya niandike hili ni kwamba hawako wazi kwenye mikataba yao, na kwa watanzania hasa hawa walimu wetu na manesi ambao ndo wateja wao wakubwa wanaumizwa sana bila kujua, Mtu anapewa mkopo wa laki tatu analipa million moja na zaidi bila kujua wakati anasaini. Sijui ni uvivu wa kutofikiri kwa watanzania, au ni elimu ndogo ya mikataba, au ni umaskini, whatever the reason, kuna tatizo. Yaani hii ni daylight robbery. Kuna siku nimemwnona mama mmoja analia kama mtoto pale coz analipa kiasi kikubwa na kumbe alisaini bila kujua. Na hata wafanyakazi pale one of them being a close friend who decided to quit that job due to its nature ya kuwaibia watanzania alisema wanaambiwa wadanganye, yani wasiweke bayana mkataba wanapoenda field kutafuta wateja. Sasa ni kweli tutanyamaza na kuangalia wananchi wetu tena wale maskini wakiendelea kunyonywa na hz kampuni za nje? Knowing Jambo forum ni sauti ya wanyonge, nalileta kwenu ili lifatiliwa kwa undani tuwaumbue hata kwenye media ili tuwaponye wananchi wetu maskini wanaoenda kukopa bila kuelewa the inside motive ya kuwachuna. Na nyie watanzania mnaokubali kutumiwa kuwaibia watanzia wenzenu acheni.Na nyie mnaokopa, hivi kampuni gani inaweza kukupa mkopo ndani ya masaa machache hivyo bila masharti na nyie bila kufikiria mnakurupuka tu then baada ya mwezi mkianza kugundua mchezo mzima mnaanza kulia. Natoa mwito tulifatilie kwa makini hili jamani hili tatizo limewakuta wengi sana na hakuna wa kuliogelea.
    Mods kama si mahala pake feel free to move it.
     
  2. M

    Mugishagwe JF-Expert Member

    #2
    Mar 8, 2008
    Joined: Apr 28, 2006
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    HB
    Asante sana na hapa ndiyo mahala pale kabisa . Hakuna wa ku move hii thread . Nakuomba sasa tuwekee hapa jina kamilila kampuni , anuani yake na hata majina ya wakubwa wa hapo na namba zao za simu sisi tutaifanya kazi hii .Uwekezaji huu ambao unaliliwa kila siku na CCM unatumaliza kabisa .Mwaga data
     
  3. M

    Mwakilishi JF-Expert Member

    #3
    Mar 8, 2008
    Joined: Jan 31, 2007
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    Heartbreaker,
    Karibu jamvini, yaani unakopeshwa 300,000 unalipishwa 1,000,000 na zaidi? Hapana, hii haijakaa sawa, swali je interest rates zao zikoje? Hilo wanatakiwa waliweke wazi kwa wakopaji, maana hii imekaa dizaini za "loansharks" ambao ni wezi tu. Hivi hatuna regulations zinazotakiwa kuzingatiwa na makampuni ya aina hiyo?
     
  4. H

    HeartBreaker Member

    #4
    Mar 8, 2008
    Joined: Mar 8, 2008
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    Hwa B-Blue financial Service wako pale Raha Towers, namba zao za simu ni 0222126861/63. Ni kweli kampuni imekaa kiwizi sana. Tatizo la watu wengi Tanzania ya siku hizi wameshakuwa brainwashed sana na mambo ya mikopo, yani mtu akisikia mkopo anakurupuka tu na sidhani kama hata interst rates wanajua kucalculate na hapo ndipo wale wana take advantage, kumbuka wanafichwa information nyingi sana. Jana wananchi walienda hapo ofisi kwao na kudai wanaibiwa na information zinaingia kwamba wale ma agents wao wanatafutwa na wananchi ambao wameshtukia deal kwamba waliingizwa mjini.
     
  5. M

    Mtanzania JF-Expert Member

    #5
    Mar 8, 2008
    Joined: May 4, 2006
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    Wananchi wenzetu, hasa wafanyakazi wanaibiwa sana kwa hii mikopo fake. Utakuta hata vyombo vya maana kama PRIDE nao wanawadanganya wananchi kwa kusema mikopo kwa asilimia 15 kumbe hiyo ni asilimia kwa miezi 6. Hii ina maana interest ni 30% per year.

    Sasa ukija kwa matapeli nafikiri ndio balaa kabisa. Serikali inatakiwa i regulate haya makampuni. Wanashirikiana na banks au halmashauri za miji ili kuchukua makato, kwahiyo hata risk ni ndogo.

    Pia unaweza kuta hawaweki contract yao wazi, kiasi kwamba mfanyakazi akifanya kosa au akachelewa kulipa basi fine inakuwa kubwa mno, hivyo mwisho wa mkopo kuishia kulipa pesa nyingi sana.
     
  6. N

    NakuliliaTanzania JF-Expert Member

    #6
    Mar 8, 2008
    Joined: Sep 24, 2007
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    Wakuu hata hizi benki zetu zinazotoa mikopo bila'security' zaidi ya kazi yako si ndo hao hao? Unakopa shilingi mia, unajikuta unalipa shilingi mia mbili, interest rate zao zinarange kwenye 23-25%!
     
  7. Nemesis

    Nemesis JF-Expert Member

    #7
    Mar 8, 2008
    Joined: Feb 13, 2008
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    Kwa upande mwingine watu tuwe weruvu pia, tuache uroho wa kushika pesa za haraka haraka (cha bure gharama). mimi nimeshuhudia walimu wa shule za msingi wakikopa mbolea ya ruzuku (inakopeshwa kwa sh. 17,500/= kwa mfuko) na kwenda kuuza kwa sh.10,000/= inachojali ni kupata pesa bila kuangalia harasa anayoipata.

    Tutumia uwezo wetu, kufanya uamuzi sahihi, hivi akina Carl Peters wangekuja leo bado tungekubali kusaini mikataba ya ulaghai na kuiuza nchi?? kwanini usaini kitu usichokielewa.

    Kwa upande wapili, kama ni kweli hilo kampuni ni la KIFISADI halipaswi kuoperate bongo, kick it to hell.
     
  8. J

    Judy Senior Member

    #8
    Mar 10, 2008
    Joined: Aug 13, 2007
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    Sasa tuwasaidie vipi hawa ndugu zetu jamani. Yani mafisadi wameshaingilia direct uchumi wa maskini wafanyakazi pia, yani hata nashindwa kuelewa hii nchi ni ya aina gani? Ina maana hili pia tutalinyamazia na kuishia kupiga kelele tu? Lets take action please, najua watu humu wanaweza kuitoa hii kwenye magazeti na kuwaokoa wenzetu jamani
     
  9. z

    zephaniaanjela Member

    #9
    Mar 10, 2008
    Joined: Mar 3, 2008
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    nakubaliana na wewe kabisa, tuwaweke hawa watu na makampuni yao wazi ili watu wawe bayana na swala hili. lakini ndugu zanguni huu si ndio tunouita utandawazi? me naona cha msingi ni sisi watanzania tuamke katika swala zima la utandawazi, maana matapeli wanatumia nafasi hii vizuri, sio unakurupuka kusaini mikataba ya kukopa bila kujua vizuri "conditions" zake.lazima tukubali sisi watanzania ni watu wakuchukulia kila kitu poa, mwisho wa siku tunaumia wenyewe na kuanza kulalamika. Sio kila kitu kuilaumu CCM, mambo mengine lazima tutumie akili na maarifa yetu binafsi...
     
  10. YournameisMINE

    YournameisMINE JF-Expert Member

    #10
    Mar 10, 2008
    Joined: Aug 29, 2007
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    hiyo takataka ndio kama "payday loans" zinazofanywa na payday lenders ktk US!! ni ngumu sana ku-regulate, hawa jamaa hapa wana guidelines toka FDIC(federal depository insuarance commission) ili kudhibiti hii kitu, lakini wapi maana kuna ile kitu inaitwa predatory lending!!! yaani lender wanawaghiribu borrowers kwa ile fine print........

    cha maana hapa ni kuwepo na public announcements ili kuielimisha jamii juu ya nini hasa kinaendelea. kuwe na matangazo ya buyers beware, na serikali kupitia kamati ya biashara(kama ipo) huko bungeni inabidi iingilie kati suala hili!!! hii ni siriasi ishu, kwasababu inahusisha suala la trust ktk financial institutions, kitu ambacho ni muhimu sana ktk kukua kwa uchumi wa nchi.
     
  11. Mtanganyika

    Mtanganyika JF-Expert Member

    #11
    Mar 14, 2008
    Joined: Jul 18, 2007
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    YournameisMine, nakwenda nyumbani this december, mungu akijalia i will try kadri ya uwezo wangu kuelimisha watu kuhusu ili swala.
    Kama umeona mlipuko wa subprime loan ni small print ambazo watu wa kawaida cant read.

    I will try as much as i can kuelimisha wachache nitakao pata muda wa kuwasaidia.
     
  12. Kite Munganga

    Kite Munganga JF-Expert Member

    #12
    Mar 14, 2008
    Joined: Nov 19, 2006
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    Hebu tuangalie hii kwanza toka kwa hii kampuni kubwa:Balaysloan
    Competitive interest rates
    Easy budget control with fixed monthly payments
    Credit Protection
    You don't have to currently bank with Barlays to apply
    Fast, flexible finance

    Barlayloan gives you the money you need at a competitive interest rate. Repayment starts one month after you draw on the loan, with equal instalments every month. The minimum repayment period is 12 months. But no matter what you plan to buy with your loan, you can take up to 4 years to repay. The amount you borrow depends on your individual circumstances. And all you have to do is meet certain basic requirements for the loan to be granted.

    Fixed payments

    With Barlayloan you always know where you stand financially as your monthly payments remain the same throughout.

    Credit Protection

    Barlayloan comes with a credit protection scheme. So should any calamity either through injury or sickness, resulting in death or permanent disability, the outstanding loan will be paid in full.

    Simple to arrange

    Talk to one of our Personal Bankers today or complete an application form and return it to us. And even if you don't have an account with Balays at the moment you can still apply for a Barlayloan today. Huo ndio ujumbe wao kwenye Web site yao, lakini ukiangalia vizuri hawataji interest itakuwa vipi baada ya minimum period of 12 months

    Again wanachotaka toka nkwa employer ni vetting yako tu toka kwa employer,Barua ya mtendaji, salary slip za miezi 3 nyuma, picha 2 no guarantor na vingine ni wewe na fomu yako na wao tu, sasa swali gumu hawa jamaa wanakupa mkopo within two weeks of say thirty million je Security yao ni ipi kwa pesa nyingi namna hiyo? hawa ni wafanyabiashara na je wanazibaje hilo pengo in case you die.(see Credit Protection above)
     
  13. Mtanganyika

    Mtanganyika JF-Expert Member

    #13
    Mar 14, 2008
    Joined: Jul 18, 2007
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    Tuangalia hiyo advertise yao hapo. Kwanza kumbuka huo sio mkataba bali ni kipeperushi, na kwa sasa Tanzania bado wanaangaika kutafuta sheria ya kuvibana vipeperushi hewa. Haya tuanalyze one thing at a time.

    Fixed payments, means kwamba malipo yako yatakuwa constant kutokana na interest rate watakayo quote siku ile utakayo sign Loan. Kumbuka interest rate watakayo kupa ni norminal rate, na sio real rate ambayo itakuwa ina adjust kutokana na inflation rate. Kwa hiyo kama payment zako zimekuwa quote at 20% then inflation ikapanda kwa 2% then your new payment will be quote at 22%.

    Kumbuka the Longer you take kulipa the more utalipa. Yaani kama loan yako unaweza kuilipa kwa mwaka mmoja, you will save more money kama utailipa for 6 month. So, that is why wanakwambia minimum ni 12 month.

    Kumbuka ili kuilipa hiyo loan at once ni lazima uwe umefariki au umepata disabillity (ulemavu). Other, than that huwezi kulipa all the remain balance.Swala Ukifa wanasecure vipi balance yao? I can't explain mpaka nione term and condition. Lazima kuna means loan itakuwa secure. I need terms and conditions

    Hawajaweka interest rate sababu rate zinabadilika almost every day.
    Ili wakupe mkopo wana analyze income yako, then wanaangalia how much expenses zako, then wanaangalia kama utaweza kuafford month payments. Hawaweza kukupa loan ya 30 million wakati salary yako ni 2 million.

    Kingine omba upate form nzima, na term and condition hapo naweza kuanalyze zaidi.
     
  14. Mahesabu

    Mahesabu JF-Expert Member

    #14
    Mar 14, 2008
    Joined: Jan 27, 2008
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    Wenye Ujuzi Na Haya Mambo Mtuelimishe Wenzenu.....!
     
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