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Hawa Koli Finance ni nani

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by newazz, Apr 14, 2010.

  1. n

    newazz JF-Expert Member

    #1
    Apr 14, 2010
    Joined: Mar 28, 2009
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    Kwa wiki kadhaa nimesikia matangazo wa kampuni inayotoa mikopo inaitwa Koli Finance, matangazo yao niliyasikia kwenye redio za kidini.
    Nikaenda kwenye ofisi zao. Wapo JM Mall ghorofa ya pili, chumba no 216.

    Nilipofika ofisini kwao, nikashangaa kuona ofisi imejaa vifaa vya muziki, home theater, speakers, computer nk, nikafikiri nimepotea ofisi, lakini baadaye nikaona watu wamekaa kwenye kona ya ofisi nikawafuata kuwauliza kama ndipo Koli Finance.

    Basi wakaniambia nisome kwanza masharti yao na kama nina maswali nitawauliza baada ya kusoma masharti yao, kwa ufupi masharti yao unatakiwa utoe dhamana kabla ya kupata mkopo unaohitaji na halafu wanakupa pesa sawa sawa na nusu ya thamani ya dhamana yako. Mfano umetoa dhamana gari na wamethamanisha Ml. 9, basi wanakupa nusu yake.

    Ngoma ikaja kwenye riba, wanadai riba yao ni asilimia 30 kwa mwezi (30% per month).

    Yaani ukikopa Tsh. 1,000,000.00 , mwezi unaofatia unatakiwa kurudisha Ths. 1,300,000! Kama umechelewa jua wao wanaendelea kukulima interest ya 30% per month mpaka utakapomaliza mkopo wao.

    Nilipoomba wanipe ile karatasi yao ambayo ina masharti yao ili nikamwonyeshe mwenzangu ambaye tunamiliki dhamana pamoja mathalani mke, wakadai hawaruhusu kutoa kivuli hizo karatasi zao. Sikuweza kuwa na swali jingine, nikaamua kutoka haraka sana.

    Sasa, hii riba ya asilimia 30 inakubalika kisheria ?

    Je benki kuu wako wapi na huu wizi wa mchana wa kuwaibia watanzania kupitia riba?

    Je kweli watu hawa wana leseni yeyote inayowaruhusu kukusanya riba kwa kiwango cha kutisha namna hiyo??
     
  2. Masanilo

    Masanilo JF-Expert Member

    #2
    Apr 14, 2010
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    Wizi huo! Nenda NMB ama CRDB mikopo nje nje
     
  3. n

    newazz JF-Expert Member

    #3
    Apr 14, 2010
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    Nitawacheki hao CRDB au NMB nao...
     
  4. drphone

    drphone JF-Expert Member

    #4
    Apr 14, 2010
    Joined: Sep 29, 2009
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    ndo shida ya wadanganyika wao wanapenda kukimbilia kila jambo bila uchunguzi aheri yako ww ulitaka maelezo ya kina wengine wanaendaga wanasomeshwa kwa maneno unaambiwa mkopo tyaeri saini hapa uchukue mkopo siku ukija kusoma unalia
     
  5. Gaijin

    Gaijin JF-Expert Member

    #5
    Apr 14, 2010
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    hapo serikali haitafuatilia suala hili mpaka lifikie hali ya desa!
     
  6. n

    newazz JF-Expert Member

    #6
    Apr 14, 2010
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    Nimecheki CRDB na NMB inaonekana kwa mikopo ya binafsi ( Personal loans) lazima mwajiri wako awe na mkataba nao... Nini uzoefu katika personal loans ambazo hazihitaji udhamini wa mwajiri, pengine kwa watoa mikopo wengine...kama wapo sokoni... Wadau mtuhabarishe.....
     
  7. Safari_ni_Safari

    Safari_ni_Safari JF-Expert Member

    #7
    Apr 14, 2010
    Joined: Oct 5, 2007
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    Lazima uwe na collateral ndugu.....Jaribu na Barclays kama bado wapo nasikia watazimika any time
     
  8. n

    newazz JF-Expert Member

    #8
    Apr 14, 2010
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    Hii kuwa na collateral ndiyo shida kubwa, katika mazingira haya bora kwenda Saccos
     
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