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faida ya nmb ilikuwa sahihi???

Discussion in 'Habari na Hoja mchanganyiko' started by Rukiko, Mar 2, 2011.

  1. R

    Rukiko Senior Member

    #1
    Mar 2, 2011
    Joined: May 5, 2009
    Messages: 199
    Likes Received: 13
    Trophy Points: 35
    National Microfinance bank (NMB) ni benki ambayo kwa muda mwingi imekuwa ikitambulika kama benki ya makabwera. na juhudi nyingi zimekuwa zikichukuliwa na serikali yetu(ingawa haimilikikiwi 100% na serikali) kuionyesha kuwa ipo pale kuwasaidia watu wenye kipato cha chini. Wengi pia tumewasikia wakilalamika kuingizwa huko kwa lazima, mfano majeshi, walimu n.k. Pamoja na hayo imekuwa ni bank inayopendwa na kutumiwa na watanzania wengi kwa kuwa pia inafikika karibu nchi nzima. hali hii imewasababishia kupata faida zaidi ya billion 54 kwa mwaka uliopita baada ya kutoa kodi na matumizi mengine.
    wasiwasi wangu umekuja leo baada ya 'kurudisha' gharama za kudeposit hela kwenye akaunti isiyokuwa yako, au hata kuhamisha. kwamba ukienda hata kuweka sh 5000 utachajiwa sh 1000, pesa ambayo hata hivyo hupewi risiti. nimeiona hali hii hapo nmb house leo ambapo watu wengi wamekuwa wakilalama kuwa huu ni wizi mtupu, na wengine kurudi bila kufanikisha azma yao ya kuweka pesa baada ya foleni ndeefu.
    najiuliza, hivi pamoja na kutengeneza faida yooote hiyo, bado wameona wawakamue tena hawa walalahoi na wavuja jasho vijihela vyao??au ndio kuongeza ufanisi;au tukubaliane kuwa ni wizi mtupu.
    kwa nmb, usumbufu mliouonyesha kwa wateja wenu hasa siku hii ya leo imeonyeshajinsi gani msivyowajali, minong'onoilikuwa mingi lakini hamkuwasikiliza.
     
  2. dkims

    dkims Senior Member

    #2
    Mar 2, 2011
    Joined: Mar 25, 2010
    Messages: 147
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    Trophy Points: 35
    labda wame project revenue yao kushuka for the last quarter,coz income statement yao ya up to 3rd quarter inaonyesha wanaprofit ya 47 bil after tax.
     
  3. Qulfayaqul

    Qulfayaqul JF-Expert Member

    #3
    Mar 2, 2011
    Joined: Apr 10, 2008
    Messages: 469
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    Ni kweli wana chaji kubwa, lakini nakushauri kasome right of the banker to their customer, moja ya right zso ni kuchaji gharama za huduma na hizi huwa wanatakiwa kutoa advice but in practice wanajua utaitambua juu kwa juu maana ukipewa statement utaziona na zina maelezo ya kutosha kama bank charges, transfer charges etc.
     
  4. IGWE

    IGWE JF-Expert Member

    #4
    Mar 2, 2011
    Joined: Feb 3, 2011
    Messages: 7,545
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    hapo kwenye blue ndio hasa penyewe,nmb bank kama ingeachwa ijisimamie yenyewe isingeweza kupata hiyo faida ya tz 54bl hata kidogo,kwani wafanyakazi wake sio effective and efficiency enough kuweza kuhimili ushindani wa soko la kibenki kwa sasa i.e ni jeuri(hawana customer care nzuri),wanafanyakazi kwa mazoea zaidi(not proffessinally) ,wanatoa huduma utafikiri wanalazimishwa tofauti na bank kama crdb,b'clayz etc
    MY TAKE; nawashauri hiyo super normal profit waliyoipata wasiichezee kwa ku-declare dividend kubwa na kuanza kujilipa mabonasi yasiyo na maana zaidi wa invest kwenye staff capacity building na mambo ya msingi ili wafike mahali ambapo hata kama serikali itawaacha wajiendeshe kwa nguvu ya soko waweze kuhimili mikiki2........
     
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