EFC Bank Kutoka Canada ni ya Kitaperi?

[mgt software]

Ukitaka kuchungulia kaburi kwa kufa na presha, kutana na Benk yenye matangazo makubwa yenye nakishi nakishi, ndio utajua kuwa Benki hii haifai, Benki hii licha ya kuweka vipeperushi vingi vya mikopo masharti nafuu pia na mapokezi bora ni benk mbaya kuliko zote nchini.

Ukifika utapewa mhudumu na kuanza kukusikiliza, baada ya hapo atakutembelea kwenye biashara zako, pia vitu vya kuweka kama dhamana , ataomba BS, Kitambulisho, Bili za maji/ Umeme/ Barua ya Mtendaji, Leseni, Mikataba ya nyumba, Daftari ya mapato ya kila siku, baada ya hapo, watakuambia ufungue akaunti, kuleta hati ya nyumba na kutoa 150,000/= za evaluator, baada ya hapo, watakuambia weka 350 ya kuomba mkopo kama processing fee, utasubiri utembelewe upya na boss wa kitengo baada ya mwezi utapigiwa simu njoo uchukue doc zako, umekataliwa, huku utakuwa umeishaumiza kama laki sita hivi maana simu, na gharama za kufuatilia kama kuweka mafuta kwenye gari.

Kuweni makini na jamaa hawa ukitaka kuamini kila huendapo pale utakuta wateja wengi wamenununa kama wanataka kupima ukimwi. Badala ya furaha wanakupotezea muda na kukuaribia siku.

Kwa wale ambao hawaijui ipo pale kijitonyama jirani na ACB LETICIA HOUSE

 

[Mgengeli]

EFC Hawafai mimi niliwatembelea nikawasikiliza nikawatathimini kwa maelezo na utalaam wa kukopa si kuona haja kama umuhimu wa kuwarudia poleni sana WAJASILIAMALI

 

[Incredible]

Pole sana ndugu yangu.

Mahtma Gandhi alisema kwamba katika vitu vinavyo haribu dunia ni " Biashara bila maadili". Kama benki inafuata best business practice, hauwezi ambiwa lipia gharama za uthamini (valuer) kabla mkopo hauja fikia hatua za mwisho. Yaani unatakiwa uwape yafuatayo kwanza:

1. Mahesabu (financial statements)

2. Business Plan

Wakiridhika na hayo, basi waje kutembelea biashara yako. Na kama wakiona biashara hiyo inalingana na walicho soma kwenye business plan, watahitaji documents zinazothibitisha kwamba wewe ndiye mmiliki halali wa biashara hiyo. Wataomba uwape

3. Leseni ya biashara
4. TIN

Hayo maelezo yatawaonyesha kwamba biashara yako ni viable.

Sasa ili kupunguza risk za kushindwa kulipa mkopo wako, wataomba collateral. Na ikumbukwe kwamba hata yule afisa wa mikopo japo siyo professional valuer, lakini anao uwezo wa kuangalia jengo lako lilivyo, mahali lolipo, na akapata uwezo wa kukadiria thamani ya jengo lako. Nasema hivi kwasababu kama jengo lipo kwenye prime area yatosha kabisa yeye kujua kwamba unastahili. Tena wengine ukuambia kwamba kwa jengo hili, umeomba mkopo mdogo.

Baada ya hapo ndo atakuja valuer ambaye wewe ndiye unayemlipa, siyo lazima ulipe benki alafu benki ndo imlipe valuer. Na ninavyo fahamu mimi hakuna valuer anayetoza sh 150,000. Wanatoza kwenye shs 450,000 na kuendelea. Ninawasiwasi hiyo pesa wanadai niya valuer lakini nadhani niya benki. Valuer akishamaliza anakukabidhi ripoti yako. Je wamekupa hiyo ripoti? Wakupe ili uitumie kwenye benki nyingine kwani zipo benki zitaipokea. Kama hawajakupa hiyo ripoti, basi jua huo ni ushahidi kwamba umeibiwa.

Kuhusu hii benki ya EFC Bank, mimi binafsi nimeijua leo kupitia kwako. Lakini kama wanadai hiyo benki asili yake ni Canada basi huo ni uongo maana Canada nzima hakuna hiyo benki. Benki za canada wanafuata sana maadili. Waulize wao ni tawi la benki gani Canada?

Sasa kama kila ukitaka mkopo sharti ufungue akaunti, mpaka unapata utakuwa umefungua akaunti benki ngapi?

Umefika wakati watanzania wenzangu tujari ule mSemo wa kisheria " Caveat emptor" yaani " let the buyer beware"

Naomba kuwakilisha

 

[LAT]

Pole sana ndugu yangu.

Mahtma Gandhi alisema kwamba katika vitu vinavyo haribu dunia ni " Biashara bila maadili". Kama benki inafuata best business practice, hauwezi ambiwa lipia gharama za uthamini (valuer) kabla mkopo hauja fikia hatua za mwisho. Yaani unatakiwa uwape yafuatayo kwanza:

1. Mahesabu (financial statements)

2. Business Plan

Wakiridhika na hayo, basi waje kutembelea biashara yako. Na kama wakiona biashara hiyo inalingana na walicho soma kwenye business plan, watahitaji documents zinazothibitisha kwamba wewe ndiye mmiliki halali wa biashara hiyo. Wataomba uwape

3. Leseni ya biashara
4. TIN

Hayo maelezo yatawaonyesha kwamba biashara yako ni viable.

Sasa ili kupunguza risk za kushindwa kulipa mkopo wako, wataomba collateral. Na ikumbukwe kwamba hata yule afisa wa mikopo japo siyo professional valuer, lakini anao uwezo wa kuangalia jengo lako lilivyo, mahali lolipo, na akapata uwezo wa kukadiria thamani ya jengo lako. Nasema hivi kwasababu kama jengo lipo kwenye prime area yatosha kabisa yeye kujua kwamba unastahili. Tena wengine ukuambia kwamba kwa jengo hili, umeomba mkopo mdogo.

Baada ya hapo ndo atakuja valuer ambaye wewe ndiye unayemlipa, siyo lazima ulipe benki alafu benki ndo imlipe valuer. Na ninavyo fahamu mimi hakuna valuer anayetoza sh 150,000. Wanatoza kwenye shs 450,000 na kuendelea. Ninawasiwasi hiyo pesa wanadai niya valuer lakini nadhani niya benki. Valuer akishamaliza anakukabidhi ripoti yako. Je wamekupa hiyo ripoti? Wakupe ili uitumie kwenye benki nyingine kwani zipo benki zitaipokea. Kama hawajakupa hiyo ripoti, basi jua huo ni ushahidi kwamba umeibiwa.

Kuhusu hii benki ya EFC Bank, mimi binafsi nimeijua leo kupitia kwako. Lakini kama wanadai hiyo benki asili yake ni Canada basi huo ni uongo maana Canada nzima hakuna hiyo benki. Benki za canada wanafuata sana maadili. Waulize wao ni tawi la benki gani Canada?

Sasa kama kila ukitaka mkopo sharti ufungue akaunti, mpaka unapata utakuwa umefungua akaunti benki ngapi?

Umefika wakati watanzania wenzangu tujari ule mSemo wa kisheria " Caveat emptor" yaani " let the buyer beware"

Naomba kuwakilisha

mkuu

umemaliza yote .... mwenye macho aone na mwenye masikio asikie

 

[Maundumula]

Canada hamna benki inayoitwa EFC.

Benki zao CIBC, TID, Royal Bank nk lakini hiyo sijaisikia

 

[Biohazard]

Adam upoooooooooooooooooooooooooooooooooooooooooooooooooooooooo

 

[OGOPASANA]

Pole sana mkuu kwa kupoteza muda , nafasi na fedha zako...pia Tanzania tunatakiwa kuwa na nidhamu ya fedha...kabla ya kulipia kitu au kununua kitu hasa katika huduma hizi za mikopo tunapaswa kujua na kuuliza taarifa na maelezo yote muhimu kuhusu huduma hizo za mikopo, mfano kiasi cha riba, kiasi cha maerejesho ya kila mwezi, muda wa marejesho, vigezo na masharti mengine, viambatanisho, mkopo utachukua mda kupata kama ukikamilisha kila kitu, ada za mkopo, bima ya mkopo, dhamana wanazohitaji nk... ili kuepuka mambo kama hayo.

 

[mgt software]

Valuaer wao ni. IDELFONCE H. MTIMA
VALUER MINISTRY OF LAND
P. O. BOX 9230,
DAR ES SALAAM.

Hujamaa yuko smart sana na kazi zake, ila hao matapeli ni wazungu kwa kushirikiana na Wakopeshaji wakubwa , Creditor Officer na Wazungu wa Mladi huu, mradi huu unafanana na DESI, pia watu awa wanawarubuni sana vijana Machachari kutoka BENKI zoefu na kuwahaidi pesa kubwa, baada ya kazi kama miezi kadhaa wanaweza kukufukuza kazi bila notice.
Hivyo ni wababaishaji wakubwa, naomba serikali iwapitie upya maana wamejazana wazungu na wahindi.

Sio kwamba nimeandika kwa bahati mbaya, wanatuma vijana kusaka wateja wapya sehemu mbali mbali , wanaacha vipeperushi vingi vya vivutio nenda sasa ukaone. Pia vijana hawa wanajua kujieleza sana kama wale wa XS-market wakati wa kukhuzia vifaaa,

Nashukru kwa kulitambua hili, wewe uliyetoa ufafanuzi, watu hawa wanadai wanakopesha mil.30-40 kwa miaka mitatu
kwa liba ndogo lakini kumbe kuna utalatibu mbovu , unatakiwa kubakiza hela kama mill. 5, kuna jinsi wanavyoielezea wanadai kwamba mwisho wa mkopo wanakupa for free, sie wafanyabishara, huwa tunaondoa pesa zote zinaenda kufanya kazi, hivyo 5m kama iko domant, inasaidia nini?


angalia

[h=3]Features & Benefits[/h] Loan Amounts ranging from TZS 750,000 to TZS 20 million;(Hapa wameongeza mpaka 40) Loan Purpose will accommodate a wide range of business related income generating activities; Interest Rates are affordable and competitive; Repayment Terms of up to three years suited to the loan purpose and the borrower’s repayment capacity; Creditor Life Insurance to protect the borrower’s legacy in the event of death; Eligibility Criteria based on the borrower’s legal age, business related history, experience, competence and expertise; Professional Credit Officers specialized in business lending and advisory services to micro and small business entrepreneur angalia uongo uzushi (hapa utachukua miezi miwili) The EFC Business Loan is specifically designed for entrepreneurs who need fast and efficient loan services for a wide range of needs including working capital, equipment purchase and investments, agricultural supplies or any other business related purpose [h=1]Who We Are[/h] EFC Tanzania M.F.C Limited is the first deposit taking microfinance institution (MFI) to be licensed and regulated under Bank of Tanzania’s Microfinance Company Charter. Having officially opened for business in July 2011, its purpose is to contribute to the development of Tanzania’s private sector by providing increased access to financial services by the underserved micro and small entrepreneurs’ (MSEs) market segment. [h=1]Our Background[/h] The main architect of the Entrepreneurs Financial Centre (EFC) vision is Développement international Desjardins (DID), a component of the Desjardins Group. Since 1970, DID have worked to support the creation, development and strengthening of sustainable financial institutions that are rooted in the community. DID's activities are backed by over 100 years of experience of the Desjardins Group, the sixth largest financial institution in Canada and one of the best capitalized. In it’s 10 years in Tanzania, DID have identified the lack of targeted financial products for MSEs as a major hindrance to the economic development of the country. This diagnosis was confirmed by two market analyses performed in May 2007 and November 2009. Following analysis of the Tanzanian market, and inspired by the EFC experience in neighboring countries, DID joined with AfricInvest Financial Sector Ltd (AFS) and a local investor, Dunduliza Company Limited, in the formation of EFC Tanzania in 2010.

© 2011-2012 EFC Tanzania M.F.C Limited. 1st Floor, Letsya Tower, 59 New Bagamoyo Road P.O.Box 11735, Dar es Salaam,Tanzania

 

[Prime Dynamics]

Hii bank hawakubali cheki za akiba bank. Nilichoka nilivyo sikia hivyo.

 

[Hute]

bank iliyo makini mnaikataa, bank mbofumbofu ndo mnazitaka, ulienda kufanya nini huko kama ulijua huna collateral nzuri....wabongo wengi tumezoea kubebwabebwa tu, hukopesheki lakini unataka bank ikuonee huruma kukukopesha, ...ulitaka wafanye vyote hivyo bure? wasumbuane na wewe bure? hapo hapo kwenye bank unayoitaja wapo wengi tu wamepata mikopo yao na wanaendelea na biashara kwasaababu walikuwa wanakopesheka, ukiona unahitaji kuonewa huruma na kupata shortcut na rushwarushwa za kibongo kwa mabanker ili upate hela, nenda bank zetu hizi za zamani kama akiba bank, bank ya posta, etc.

 

[Prime Dynamics]

bank iliyo makini mnaikataa, bank mbofumbofu ndo mnazitaka, ulienda kufanya nini huko kama ulijua huna collateral nzuri....wabongo wengi tumezoea kubebwabebwa tu, hukopesheki lakini unataka bank ikuonee huruma kukukopesha, ...ulitaka wafanye vyote hivyo bure? wasumbuane na wewe bure? hapo hapo kwenye bank unayoitaja wapo wengi tu wamepata mikopo yao na wanaendelea na biashara kwasaababu walikuwa wanakopesheka, ukiona unahitaji kuonewa huruma na kupata shortcut na rushwarushwa za kibongo kwa mabanker ili upate hela, nenda bank zetu hizi za zamani kama akiba bank, bank ya posta, etc.

Man stop generalizing kwa vitu usio kuwa na uwakika navyo. kwani lazima uchangie? or you are one of those who are suffering from what to write? Mtoa mada akupendezewa na benki husika kwa kumpotezea muda wake. kama kweli unafahamu waliopata mikopo kwa kupitia benki husika mpe mwongozo mwenzio. Kwanza you sound as if unafanya kazi kwenye benki husika, for sure huna customer care hata kidogo.

 

[Enny]

bank iliyo makini mnaikataa, bank mbofumbofu ndo mnazitaka, ulienda kufanya nini huko kama ulijua huna collateral nzuri....wabongo wengi tumezoea kubebwabebwa tu, hukopesheki lakini unataka bank ikuonee huruma kukukopesha, ...ulitaka wafanye vyote hivyo bure? wasumbuane na wewe bure? hapo hapo kwenye bank unayoitaja wapo wengi tu wamepata mikopo yao na wanaendelea na biashara kwasaababu walikuwa wanakopesheka, ukiona unahitaji kuonewa huruma na kupata shortcut na rushwarushwa za kibongo kwa mabanker ili upate hela, nenda bank zetu hizi za zamani kama akiba bank, bank ya posta, etc.

katika Benki makini utasema hiyo nayo makini kila mtu analalamika au unataka kila mmoja aelezee ubaya wenu. Kwani kuna haja gani ya kuanza kumzungusha mtu mpaka dakika ya mwisho na kulimpisha gharama kibao. wakati una uwezo wa kumwambia mashrti yenu ya mkopo mapema ili kama hana vigezo aishie mapema. kuwa mstaarabu.

 

[chakarikamkopo]

katika Benki makini utasema hiyo nayo makini kila mtu analalamika au unataka kila mmoja aelezee ubaya wenu. Kwani kuna haja gani ya kuanza kumzungusha mtu mpaka dakika ya mwisho na kulimpisha gharama kibao. wakati una uwezo wa kumwambia mashrti yenu ya mkopo mapema ili kama hana vigezo aishie mapema. kuwa mstaarabu.

Masahihisho: Hii sio benki bali ni asasi inayojishughulisha na utoaji wa huduma za kifedha kama zilivyo MFIs nyingine. Tofauti yake ni kuwa hawa wako kwenye tier ambayo inawaruhusu kuchukua/kupokea amana kutoka kwa umma- Deposit taking MFI.

 

[mgt software]

bank iliyo makini mnaikataa, bank mbofumbofu ndo mnazitaka, ulienda kufanya nini huko kama ulijua huna collateral nzuri....wabongo wengi tumezoea kubebwabebwa tu, hukopesheki lakini unataka bank ikuonee huruma kukukopesha, ...ulitaka wafanye vyote hivyo bure? wasumbuane na wewe bure? hapo hapo kwenye bank unayoitaja wapo wengi tu wamepata mikopo yao na wanaendelea na biashara kwasaababu walikuwa wanakopesheka, ukiona unahitaji kuonewa huruma na kupata shortcut na rushwarushwa za kibongo kwa mabanker ili upate hela, nenda bank zetu hizi za zamani kama akiba bank, bank ya posta, etc.

Umekaa kifisadi zaidi, unapotaka kupata mkopo wowote, mkopeshaji anakuuliza vitu vingi mali isiyoamishika kama nyumba na shamba ndipo akilizika na vitu anavyovihitaji hukuruhusu kuendelea na kufungua akaount, kuripia gharama za mkopo na makato mengine, sasa inapokuja wewe umeishafanya kila kitu, ndipo unakataliwa wala hawakupi sababu ya maana au kutaka maelezo mengine kama kuna makosa, hivi ni kweli kwamba wewe nimfanyabishara umefikia kuleta kila kitu alfu wao ambao unawaamini kuwa wako simati hawakuona kosa wakakuruhusu hufanye mambo yote?
Ni kweli kama wanaogopa labda kukupa 30, wakakisia kuwa uwezo wako ni 15, kwanini wasikuuliza kama unahitaji au unakataa kufatana na malengo yako.
Jua kwamba tunakopa ili tuendeleze mitaji, kama mitaji iko imara kwa nini ukope. Wewe unaye dharau benki ya Akiba na Posta, hufai kabisa, kwani AKIBA ndiye Mkombozi wa kweli wa Mtanzania , ndio maana Benki zote wameiga AKIBA kufungua matawi mengi Pembezoni mwa MJI, zamani ukiona Benki pembeni jua ni AKIBA na POSTA.