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Hii imekaaje Kiuchumi?

Discussion in 'Habari na Hoja mchanganyiko' started by Amavubi, Feb 29, 2012.

  1. Amavubi

    Amavubi JF-Expert Member

    #1
    Feb 29, 2012
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    Jana 2802012 Gavana wa Benki Kuu alinukuliwa na vyombo kadhaa vya habari nchini akisema kwamba wateja wa pesa kupitia mitandao ya simu za mkononi (tiGO pesa, M-Pesa, Air ell money, ZAP) wamefikia milioni 21 na kwamba jumla ya fedha zilizopo kwenye mzunguko ni Trilioni 1.5, NAJIULIZA MUSTAKABALI WA SEKTA YA KIBENKI NCHINI kutokana na kuongezeka kwa kasi kwa sekta hii ambapo wasiwasi wangu ni kwamba huenda fedha nyingi ikawa mikononi mwa wananchi na pia ni tishio kwa uchumi wa kibenki, hii imekaaje great thinkers??
     
  2. mujusi

    mujusi JF-Expert Member

    #2
    Feb 29, 2012
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    Imekaa vizuri. Mzunguuko wa pesa ukiwa fasta kwa frequencies ikiwa nyingi inachangia kuongeza kazi ya shughuli za matumizi ya pesa ambayo kwa njia nyingine zinaongeza economic activities na kupelekea kukua kwa uchumi na GDP(theoritically). Chukulia mfano mdogo mtu anataka kununua dawa yuko kwenye remote area ambapo hamna Benki na hakuna huduma hiyo uliyotaja hapo juu. Muuza dawa hauzi na wewe hupati dawa. Lakini kama huduma ya kutuma pesa kwa simu ipo , unaweza ukapata pesa na ukanunua dawa na muuza dawa akauza dawa na faida akapata. Ikiwa transactions(let say 10,000) kama hizi hazifanyiki kwa kukosa opportunity hiyo uchumi lazima udumae.
     
  3. SMU

    SMU JF-Expert Member

    #3
    Feb 29, 2012
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    Actually uwezekano mkubwa kwa hapo baade ni pesa (hard cash) kutotumika kabisa na hivyo kubakia bank. Imagine mimi nalipwa mshahara through mpesa/tigo pesa na baadae natumia hudumia hiyohiyo kulipia umeme, maji etc and baadae makampuni haya ya maji yanalipa mishara kwa wafanyakazi wao kwa kutumia mpesa/tigopesa again...so kwa mfano huu mdogo tu utaona pesa kwa maana ya makaratasi haitatumika kabisa (we are becoming a cashless society!).

    Na hata ukilitizama suala hili kwa undani zaidi utagundua kuwa linaongeza uwezekano wa kuwepo kwa pesa ya ziada kwenye circulation kuliko uhalisia wa pesa iliyopo. Kama watu wengi zaidi wanafanya transaction kwa kutumia e-money, maana yake ni kuwa kutakuwa na pesa nyingi zaidi bank ambazo, arguably, zinaweza kukopeshwa kwa watu wengine wenye mahitaji (at least, on a short term basis).
     
  4. Amavubi

    Amavubi JF-Expert Member

    #4
    Feb 29, 2012
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    Nawashukuru makamanda kwa kuzama, nimechokoza tu naamini wengine watakuja na maoni zaidi yenye afya kama haya
     
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