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Jamani nimefurahishwa na Pride Tanzania

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by kimpango, Dec 13, 2011.

  1. kimpango

    kimpango JF-Expert Member

    #1
    Dec 13, 2011
    Joined: Apr 24, 2011
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    Hawa jamaa wameamua kumkomboa mkulima na mfanyabiashara ndogondogo vijijini sasa wanatoa mikopo kwa wakulima sehemu mbalimbali tulioamua kujiingiza kwenye kilimo na hatuna mitaji tuchangamkie hili jamani mi nbimeamua kulima Iringa na wamenikopesha sh lakitatu za kuanzia msimu huu
     
  2. Chasha Poultry Farm

    Chasha Poultry Farm Verified User

    #2
    Dec 13, 2011
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    Mkuu sijakuelewa, wamekukopesha laki 3? Na vipi riba? Make mikopo ya bongo mziki uko kwenye riba
     
  3. kimpango

    kimpango JF-Expert Member

    #3
    Dec 13, 2011
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    riba yake ni asilimia 2.5 kwa mwezi ila nimependezwa na mikopo ya kilimo marejesho siyo kwa wiki inategemea na zao unalolichukulia na ukuaji wake halafu vigezo vyake ni nafuu
     
  4. Raia Fulani

    Raia Fulani JF-Expert Member

    #4
    Dec 13, 2011
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    nafurahi kwamba unakubali kazi zao
     
  5. N

    Navoyne JF-Expert Member

    #5
    Dec 13, 2011
    Joined: Dec 12, 2010
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    Laki tatu unalima vipi mkuu............na kwanini usikope kwa jamaa yako kama mkopo upo hivyo.
     
  6. payuka

    payuka JF-Expert Member

    #6
    Dec 14, 2011
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    Subiri maumivu, you will be ripped off by Pride kama huwajui!
     
  7. Chasha Poultry Farm

    Chasha Poultry Farm Verified User

    #7
    Dec 14, 2011
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    Huyu muanzisha thread ni kama ana mafanya marketing vile, make mkopo wa laki tatu kwenye kilimo ni utani mkubwa sana na sijui analima kitu gani make hata kilimo cha mchicha kwa hiyo investment ni kiasi kidogo sana.
     
  8. Erickb52

    Erickb52 JF-Expert Member

    #8
    Dec 14, 2011
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    Kwa uzoefu wangu PRIDE ndo wanaoongoza kwa kukubalika,ila tatizo la watanzania huwa tunakurupuka kulaumu kwa kufuata mkumbo bila kujua tatizo. big up PRIDE.
     
  9. Erickb52

    Erickb52 JF-Expert Member

    #9
    Dec 14, 2011
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    Na kama wangekuwa wana riba kubwa na huduma mbovu wasingekuwa Leading Microfinace Institution in Tanzania.Jamaa yuko sahihi kuchukua laki 3 na wanatoa hadi mil 50 ukihitaji na kutimiza vigezo.
     
  10. N

    Navoyne JF-Expert Member

    #10
    Dec 14, 2011
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    Sasa mtu unamkopesha laki tatu unataka akalime nini kama sio kumuongezea misalaba ya maisha.............jitahidini kuwakomboa watu wenye kipato kidogo sio kuwafanya mateja wa PRIDE kutwa wapo huko.
     
  11. M

    Malila JF-Expert Member

    #11
    Dec 14, 2011
    Joined: Dec 22, 2007
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    Uzi ungekuwa mtamu kama ungetoa na kamchanganuo kidogo, jinsi utakavyoitumia hiyo laki tatu kulimia huko Iringa. Unaweza ukawa unataka kulima eka moja ya mahindi,shamba ni lako, nguvu kazi ni wewe mwenyewe na mbegu unaomba kwa mjomba, labda hiyo laki tatu ni mbolea na palizi.

    Hebu toa maelezo tukuelewe,namna gani utatumia hiyo laki tatu.
     
  12. kikahe

    kikahe JF-Expert Member

    #12
    Dec 14, 2011
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    Mi naomba mnisaide hii hesabu. Asilimia 2.5 kwa mwezi ni sawa na asilimia ngapi kwa mwaka ili tujue hiyo interest rate ni kiasi gani kwa mwaka ili tuone wako poa au vipi. Strategies nyingine bwana........
     
  13. D

    David Mathias Member

    #13
    Dec 14, 2011
    Joined: Dec 13, 2011
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    hiyo riba ni kubwa sana
     
  14. Chasha Poultry Farm

    Chasha Poultry Farm Verified User

    #14
    Dec 14, 2011
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    mkuu hakuna cha kuongoza wala nini, hao wote wako katika kuwanyonya wateja wao na wanahakikisha unakua mteja wao wakudumu, hizo riba zao bado ni kubwa sema mtu akiambiwa arudishe kwa mwezi anaona ni kidogo sana.
     
  15. Mangandula

    Mangandula Senior Member

    #15
    Dec 15, 2011
    Joined: Nov 30, 2011
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    Nakupa pole we uliyekopa laki tatu Pride, hili ni shirika linaloongoza kwa kuwapa umasikini watanzania popote pale lilipo ni hatari sana. Tatizo ni katika utozaji wa riba, kwanza riba ni kubwa pili wanatumia fomula ya flat riba yaani wanapigia hesabu ya riba ya mwaka mzima haijarishi unalipa kila mwezi, kama umekopa ml 5 basi wanataka riba ya mwaka mzima na papo hapo unaambiwa kila mwezi urejeshe. Je huo si wizi? Watanzania tuzinduke tutakamuliwa mpaka lini?
     
  16. ANKOJEI

    ANKOJEI JF-Expert Member

    #16
    Dec 15, 2011
    Joined: Nov 11, 2010
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    Riba ya 2.5 kwa mwezi manake ni 30% per year, kama unelima kwa msim mmoja yana 1 year utahitajika kurudisha 390,000 mwisho wa mwaka.
    Huo mkopo sio hela kidogo kama ambavo baadhi ya wachangiaji mbavosema, inategemea unataka kuzalisha nini na wapi?
    Kwa mfano nipo Karatu,
    >Kukodisha Shamba ekari moja 40,000
    >Kulima kwa trecta ekari moja 40,000
    >Kupanda kwa ng'ombe ekari 1 30,000
    >Mbegu za mbaazi ekar moja 14,000
    >Kupalilia ekari moja ekar moja 30,000
    >Dawa ya wadudu ekari 1 25,000
    >Kuvuna ekari moja (VIJANA) 45,000
    >Storage 1room 3 months 45,000

    TOTAL 269,0000.

    Mavuno,
    minimum of 6 bags of 100 kgs @ sales at min farm price of 150,000 (nomal market price in arusha ni sh 250,000)
    TOTAL REVENUE TZS 900,000
    Gross income 631,000
    Mvua kama itanyesha kama kawaida mahesabu ndio hayo iyo laki 390, ukitoa unabaki na 241,000 kama una kari kumi then you have a good 2.4mil money. MPO!!!!
    Thubutuni VIJANA
     
  17. Z

    ZeMarcopolo JF-Expert Member

    #17
    Dec 15, 2011
    Joined: May 11, 2008
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    Quotation nzuri, lakini kuna kitu umekisahau. Kuna risk za kutokupata hayo mavuno yanayotarajiwa. Sasa iwapo aliyekopa amekosa mavuno nini kitafuata?
    Ndio maana kuna mchangiaji amesema hiyo laki ni bora kukopa kwa ndugu, jamaa na marafiki. Kama benefit yake ni kubwa hivyo sidhani kama ndugu na wengineo watashindwa kumkopesha mwenzao hicho kiasi, hasa ikizingatiwa kwamba tumejenga tamaduni za kuchangiana (ingawa tumeconcentrate zaidi na harusi).

    Swali: Je, ni collateral gani wanayoikubali PRIDE kwa mkopo kama huo wa sh. laki 3?
     
  18. Ngongo

    Ngongo JF-Expert Member

    #18
    Dec 15, 2011
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    Heshima kwako Kimpango,

    Mkuu wangu laki tatu ni fedha ndogo sana kwenye kilimo kama ni mtu makini unaanza na mkopo wa tshs 5,000,000/= kwenda mbele.Mkuu sijui labda unazungumzia bustani ya nyanya 1/4 eka.Halafu PRIDE wanautaratibu wa marejesho ya wiki kwa mkulima ni ngumu sana mazao mengi yanachukua muda kuanzia miezi miwili hadi sita wakati mwingine hali ya soko inalazimu uweke mazao ghalani hadi bei inapokuwa nzuri sidhani kama PRIDE watavumilia !.


     
  19. ANKOJEI

    ANKOJEI JF-Expert Member

    #19
    Dec 15, 2011
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    jembe halimtupi mkulima wahenga walisema, biashara zote zina matatizo yake!
     
  20. ANKOJEI

    ANKOJEI JF-Expert Member

    #20
    Dec 15, 2011
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    ngoja kidogo, umewahi pitia jamaa wanaitwa PASS wao wanatoa mikopo mikubwa zaidi ya milion5, but you should have a viable business plan.
     
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