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Kampuni yangu ifungue account bank gani?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Ozzie, May 12, 2011.

  1. Ozzie

    Ozzie JF-Expert Member

    #1
    May 12, 2011
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    Hello GTs!
    Ninafungua kampuni itakayohusika na utoaji wa huduma za afya. Kama kawaida ya biashara, ningependa nifungue account katika bank yenye uwezekano mkubwa wa kunipa mkopo (labda baada ya miezi sita hadi mwaka) ili niweze kupanua biashara. Bank hiyo isiwe na urasimu mkubwa wa kutoa mkopo, riba isiwe kubwa na urejeshwaji uwe wa muda mrefu kidogo.
    Mimi ni mtaalamu wa afya, hivyo sijui vizuri kuhusu mambo ya kibenki (ila kwa sasa nimeanza kusoma MBA kwa ajili ya ujasiriamali) hivyo ningependa nipewe ushauri wa mikopo ya bank zetu Tanzania kwa kuendeleza biashara. Nawasilisha.
     
  2. M

    Mama Joe JF-Expert Member

    #2
    May 13, 2011
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    jaribu kotekote t usome maelezo yao na kuyaelewa kama yatakufaa ila NMB, ACB na Access wazuri kwa biashara, habari ya riba hiyo utajua hukouko.
     
  3. Ozzie

    Ozzie JF-Expert Member

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    May 13, 2011
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    Asante mama Joe
     
  4. drphone

    drphone JF-Expert Member

    #4
    May 13, 2011
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    jaribu nmb ni wazuri
     
  5. Ozzie

    Ozzie JF-Expert Member

    #5
    May 13, 2011
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    Asante mkuu
     
  6. PayGod

    PayGod JF-Expert Member

    #6
    May 13, 2011
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    NMB wanafaa wanamikopo ya MSE,riba ni ndogo, ni 2% per annual reducing balance
     
  7. drphone

    drphone JF-Expert Member

    #7
    May 13, 2011
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    mkuu ebu ffanua kdogo mkuu
     
  8. PayGod

    PayGod JF-Expert Member

    #8
    May 15, 2011
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    Kwa mfano, ukikopa 1million, kwa mwaka utalipa 1,144,000, baada ya kumaliza mkopo pamoja na interest, ina maana 144,000 ni interest uliyoipa bank
     
  9. Saint Ivuga

    Saint Ivuga JF-Expert Member

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    May 15, 2011
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    nmb.............
     
  10. Anfaal

    Anfaal JF-Expert Member

    #10
    May 15, 2011
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    Kwanza hiyo si 2% per annum. Ni zaidi ya 10%. Pia ukisema 2% per annum reducing balance, inamaana ile balance iliyobaki ndio inachakiwa interest. Lakini katika hali ya Tanzania hakuna benki inayoweza kuchaji chini ya 10% kwa sababu kuna issue za inflation na default risk haziwezi kuwa na value 10% hata kama uwe umejiestablish kiasi gani kwenye biashara.
     
  11. drphone

    drphone JF-Expert Member

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    May 15, 2011
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    ndomana nilistuka sana mkuu
     
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