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Jinsi ya kujiondoa kutoka kwenye lindi la umasikini(vircious poverty cycle)

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by che-guavara, Sep 19, 2011.

  1. che-guavara

    che-guavara Member

    #1
    Sep 19, 2011
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    Katika masuala ya kimaendeleo, kiasi kinachopatikana sehemu yake inatumika kwa matumizi ya kawaida (expenditures) na kiasi kikubwa kinatunzwa(savings) baada ya kutunzwa kiekezwe kadri ya mda au kiasi (investments).

    1.Kuekeza kuko namna mbili; ya kwanza kwenye vitu vinavyoongezeka samani (asset) mfano nyumba, mashamba ya uzalishaji, mifugo, hisa, majengo ya kukodisha, n.k. (ukiona huna elimu ya biashara hii ni njia muafaka na risk yake ni ndogo.

    2. Pili kwenye biashara yaani pesa inayozaa pesa yenyewe. Hii ni njia muafaka kwa wenye uzoefu wa kibiashara kwa sababu kama huna ujuzi kidogo kuna uwezekano ukarudi kwenye umasikini.

    Matumizi ya vitu kama tv, simu ya bei, vitanda, sofa, n.k haya si utajiri haya ni matumizi ya kawaida tu.(expenditures). yanapaswa yafanywe pale tu umeshawekeza kwenye namba 1 juu au mbili au 1 na 2 kwa pamoja na kwa kiwango kadri ya uchumi unavyokua.

    Ukiona huweki akiba, akiba unayoweka huiwekezi ila inakaa tu benki au nyumbani na baadae unaitumia inakwisha. hufanyi kabiashara hata kadogo na unafanya biashara usioweza kuidhibiti....basi hapo uajitazame upya ufanye marekebisho kwani bado kitafsiri uko ndani ya kitu kinaachoitwa na wataalam wa uchumi "mzunguko wa umasikini' au (VIRCIOUS POVERTY CYCLE).

    Kujiondoa ndani ya mzunguko huo si jambo la mara moja lakini usome mtiriko hapo juu na fata taratibu hizo kidogo kidogo inawezekana.....
     
  2. Raia Fulani

    Raia Fulani JF-Expert Member

    #2
    Sep 19, 2011
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    Unaijua disposable income ya mbongo? Hawa wanaofanya savings na ku invest ni wazi wana vyanzo nje ya mshahara
     
  3. che-guavara

    che-guavara Member

    #3
    Sep 19, 2011
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    Hapo ndio ninapotaka tupaangaalie na je umaskini wa wabongo tutatokaje kwenye hii cycle........basi na tupate mawazo yenu zaidi...
     
  4. h

    hargeisa JF-Expert Member

    #4
    Sep 19, 2011
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    use cosmi c laws
    hakunaaliezaliwa masikini
    watu waote maskini ni wao wametaka kuwa masikini
    mungu kakuleta duniani ili kila mtu aaishi maisha mazuri
    hakuna alietoka na utajiri tumbuni kwa mama yake!!!!!!!!!!!!1
     
  5. Dio

    Dio JF-Expert Member

    #5
    Sep 19, 2011
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    Kaka nimekukubali
     
  6. che-guavara

    che-guavara Member

    #6
    Sep 19, 2011
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    unaweza tu mkuu.nimeshindwa ku pm kwa sababu posts zangu ziko chini ya 5.thanks
     
  7. Dio

    Dio JF-Expert Member

    #7
    Sep 20, 2011
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    poa mkuu ukipata nafasi ni pm
     
  8. Who Cares?

    Who Cares? JF-Expert Member

    #8
    Sep 20, 2011
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    hapa nilipo bold ndio utakuta kunazaliwa 90% ya rushwa, wizi, uchawi, waganga wa kienyeji na u-chuma ulete..10% ilobaki ni ya watu wanaofanya kazi za ziada nje ya kipato chao cha halali kama mwalimu kufundisha tuition, doctor kufanya hospital binafsi, mke kutembea nje ya ndoa, viongozi kuenda semina na washa kila siku, kina maryiooo na mengine utitiri kibao...kwa leo inatosha kuonyesha vyanzo mbadala vya mapato ya ziada ya wa-t
     
  9. ndyoko

    ndyoko JF-Expert Member

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    Sep 20, 2011
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    Che-guava yuko sahihi wakuu. Wengi wetu hatuwekezi kwenye mambo ya maana. Utakuta mtu gari anaiita asset kiukweli gari sio assets. Assets ni lazima viwe vitu vinavyokuingizia hela na sio vinavyokufanya utumie hela. Hata nyumba kama wewe unaishi ndani yake basi hiyo sio asset tena, inageuka kuwa utility ila kama umeipangisha basi kimantiki inakuwa asset maana hapo itakuwa inakuingizia mshiko.

    Na ndio maana wajanja wengi huwa wanafanya biashara ya real estate kwani ni very nice, mshiko wake huwa ni wa kutosha unapofanya biashara hii.

    Wakuu kuna kitabu kinaitwa Rich Dad, Poor Dad, take time kukisoma kina mawazo mazuri sana ya namna ya kuendesha maisha kwa kutumia mitaji yetu midogo tuliyonayo.

    Napitapita tu, ntarudi tena.
     
  10. Remmy

    Remmy JF-Expert Member

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    Asante mkuu, nimejifunza mengi!
     
  11. C

    Caroline Danzi JF-Expert Member

    #11
    Sep 20, 2011
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    Ki ukweli huyu jamaa amekonga moyo wangu. Kuna watu wananunua simu za mamilioni anaita asset. Leo niko nje ya msitari nitatoa maoni na shukurani zang kesho asubuhi.
     
  12. Husninyo

    Husninyo JF-Expert Member

    #12
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    Mafundisho mazuri.
     
  13. Mamushka

    Mamushka JF-Expert Member

    #13
    Sep 20, 2011
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    <br />
    <br />
    Ha haaa umenifanya ni cheke na mifano yako.
     
  14. Mamushka

    Mamushka JF-Expert Member

    #14
    Sep 20, 2011
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    <br />
    <br />
    Sasa mkuu kama mtu una daladala zako kadhaa au hata gari za kubeba kokoto na tax, hizo pia unaziitaje kama gari sio asset? Mh hapo msaada kidogo.
     
  15. che-guavara

    che-guavara Member

    #15
    Sep 21, 2011
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    Ni kweli kuna watu si wema .Hao wezi hawapo kwenye uchumi wapo kwenye wizi na utapeli .labda tatizo ni watu wa kuwashugulikia...wanafanya hata wafanyakazi wasilipwe vizuri na kuongeza disposable income. poverty cycle bado inatutesa watanzania wengi.bado tujadiliane kwa pamoja mawazo yote tu.swali je tutatokaje?
     
  16. kikahe

    kikahe JF-Expert Member

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    Sep 21, 2011
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    Its educative
     
  17. S

    Shadya Member

    #17
    Sep 21, 2011
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    Naunga mkono mpaka mguu, :cool:swali ni je tutatokaje:cool: hebu jamani atookee mtu mwenye mafanikio, atujuze amepataje mafanikio yake je alifanya nini na ana nini mpaka akapata mafanikio tuweze kujifunza wa kina sisi ;(shadya
     
  18. Billie

    Billie JF-Expert Member

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    Sep 21, 2011
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    We sina cha kuongeza ila naungana na concept n' laws za uchumi unazozitoa mheshimiwa
     
  19. Billie

    Billie JF-Expert Member

    #19
    Sep 21, 2011
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    kaka nimekisoma kina maarifa sana juu ya mtu kujiajili na kuajiliwa.
     
  20. GABOO

    GABOO Senior Member

    #20
    Sep 21, 2011
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    Nimefurahi sana,post nzuri
     
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