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Kufilisika a.k.a kufulia......

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by tindikalikali, Dec 14, 2011.

  1. tindikalikali

    tindikalikali JF-Expert Member

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    Wakuu mara nyingi hili jambo huwakuta watu wengi. Kuna wanaodai mali ya dhuluma lazima ije kupotea kabisa japo wapo wenye kupata mali kihalali na wanafilisika. Mimi nimemshuhudia jirani yetu ambaye alikuwa na pesa nyingi sana miaka ya 90, wakati huo alikuwa akifanya biashara za Zambia. Yule jirani alikuja kufilisika kabisa..na hakuweza kurudia hali ya mwanzo mpaka sasa. Je wewe umekutana na watu wa aina hiyo/umewahi filisika? Je sababu hasa huwa ni nini? Inawezekana mali ya halali na uliyotafuta mwenyewe, ikaisha na ukashindwa kunywa hata chai? Tukienda kwa mifano naamini tutajifunza mengi, hasa kwa tunaoyaanza maisha. NB: Masikini huwa hafulii
     
  2. Bishanga

    Bishanga JF-Expert Member

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    Mkuu,suala la kufilisika linategemea sana na muundo na historia ya jamii.Ukiangalia jamii za wenzetu ,nikimaanisha wenzetu wa Asia,bara arabuni,america na ulaya zipo koo ambazo zimekuwa consistently tajiri kwa vizazi vingi hata zaidi ya vitano (old money).Jamii hizi zimejijengea uwezo mkubwa wa:
    1.-kuheshimu utajiri
    2.kuweka akiba
    3.kutokutumia zaidi ya kipato chao,hata kiwe kikubwa vipi.
    hizi tabia wamezipandikiza kizazi hadi kizazi.
    Turudi kwa wabongo:
    wenzetu wahindi na waarab wamekuwa wafanyibiashara miaka mingi na Nyerere aliwapa fursa ya kuendelea na utaratibu wao,na mpaka leo wako bomba,wakiishi Upanga na kushea apartment tunawacheka kumbe ndo kutengeneza savings,nywele ngumu tuliambiwa na Mwalimu kuwa 'ubepari ni unyama' tukakubali tukaishia aidha kuishi kwa mshahara au kuwa wakulima.
    Ogopa limbukeni anayeibuka ghafla,Mzee Mwinyi ndo alitufungulia milango ya kushika hela,kwa ushamba wetu ndo maana yanatokea hayo uliyosema hapo juu.
    Mkuu it is only a matter of time na sisi nywele ngumu tutajifunza namna ya kuheshimu na kutunza hela,haya mambo ya kupata hela kila mwanamke Dar ukamnunulia rav4 tutaacha.
     
  3. tindikalikali

    tindikalikali JF-Expert Member

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    Mkuu nimekusoma, nafikiri kikubwa ni nidhamu katika matumizi ya pesa?
     
  4. TIMING

    TIMING JF-Expert Member

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    mmu.........
     
  5. v

    valid statement JF-Expert Member

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    Mkuu umenifanya nikumbuke watu waliokuwa waliokuwa wana pesa za kutosha, sasa hivi mpaka unawaonea aibu, wengine bado wana maisha ya mazuri tu. Lakini ukikumbuka maisha yake ya kipindi cha nyuma yalivokuwa, unajuaa kabisa huyu anatembelea rim.
    usipoheshimu shilingi moja, senti moja haitakuheshimu.chezea kitu kingine si pesa, ikiondoka kurudi kwake ni majaliwa.
    WATU HAWANA NIDHAMU NA PESA.
     
  6. WA-UKENYENGE

    WA-UKENYENGE JF-Expert Member

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    Mimi niko tofauti kidogo! Angalia umepigana toka chini hadi umefika juu. Hapo ndo unakuta kila ndugu anakuja kuomba msaada na hizi tabia zetu za kuoneana aibu! basi unaanza kusaidia kila kichwa. Kwa nini usifilike? Kwa hiyo extended family, tamaduni zetu, namna ambavyo tusivyojua kuongeza faida kutokana na mikubwa tunayokuwa nayo ni matatizo makubwa yanayowakumba watu ambayo hupelekea kufilisika.
    Ahsante kwa maada nzuri.
     
  7. v

    valid statement JF-Expert Member

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    Jukwaa hili sio husika kwa habari hii.
    ashakosea, kilichobaki ni mods wa move sredi hii sehemu inayostahili.
     
  8. Kongosho

    Kongosho JF-Expert Member

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    Kufilisika naona ni dhana pana sana.

    Kwa tunaoamini katika mafundisho ya dini
    1. Ni laana kula mali ya mjaneau yatima
    hata kama ulikuwa tajiri vipi tunaamini ukila mali ya mjane au yatima lazima wewe na kizazi chako kitalaaniwa na kupoteza mali

    2. Kujaribiwa imani
    Kuna muda ambapo mwanadamu anapimwa imani kwa Mungu wake
    Kati ya vitu ambavyo anaweza pimwa ni pamoja na kupoteza mali au familia

    3. Mali zilizopatikana kwa ushirikina
    Mali zilizopatikana kwa njia ya ushirikina mara nyingi mwishi wake huwa si mzuri kutokana na kushindwa kufuata masharti ulopewa

    Katika misingi ya kibiashara
    kufilisika kunatokana na nidhamu mbaya ya pesa, kushindwa kumanage biashara vizuri, kuanguka kwa uchumi n.k

    Ila kwa mtizamo wangu naamini ukigusa mali ya yatima umekwisha!
     
  9. Bishanga

    Bishanga JF-Expert Member

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    Jamani hivi unaweza kutenganisha pesa/utajiri/kufilisika na mapenzi,mahusiano na urafiki? they are interwined,hivyo acha mada hii tuijadili hapa hapa maana hakuna kinachovunja nyumba/mahusiano kama kufilisika.
     
  10. tindikalikali

    tindikalikali JF-Expert Member

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    mkuu bora umeliona hilo...sijaileta hapa kwa bahati mbaya.
     
  11. ENZO

    ENZO JF-Expert Member

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    Naunga mkono hoja.
     
  12. Jeff

    Jeff JF-Expert Member

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    kwa hiyo kuna maana gani kama unakuwa na hela halafu husaidii ndugu zako? To me is Stupid!
     
  13. Jeff

    Jeff JF-Expert Member

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    sasa kuna mana gani ya kuwa halafu husaidii ndugu?
     
  14. King Kong III

    King Kong III JF-Expert Member

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    Usiombeee kufulia mkuu utaamkia hadi watoto wadogo mie nshawahi fulia kaka 1 haikai 2 haikai mpaka sasa siuzi nyago
     
  15. L

    LAT JF-Expert Member

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    naomba nijue, hivi kufulia/kufilisika pia hutokana na kupata hasara katika biashara, if yes mbona hiyo ni hali ya kawaida kabisa katika biashara, in business it is obvious that profit or loss is inevitable but businessman always strive for profit
     
  16. newmzalendo

    newmzalendo JF-Expert Member

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    Anacho maanisha alikuwa na gari sasa hana na nauli ya daldala kwenda posta inabidi akope.
    Au alikuwa na duka sasa hana hata genge la dagaa
    kwa utashi wangu ukiwa na pesa wekeza ktk ardhi na majengo.hutafulia ng'o labda ije vita
     
  17. Husninyo

    Husninyo JF-Expert Member

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    Sijawahi kuwa na mali kwahiyo sijawahi kufilisika. Lol.
    Nafikiri kufilisika kunatokana na;
    1.matumizi mabaya ya fedha.
    2. Kutojiandaa na hiyo risk ya kufilisika. Eg mtu anafanya biashara ya maana lakini hana bima.
    3. Kuridhika mapema. Watu wanashindwa kubuni mbinu za kuexpand biashara zao zaidi.
    4. Imani. Wengine tunaamini unaposaidia jamii ndivyo mungu anavyozidi kukuongezea. Pamoja na juhudi binafsi ila ni jamii ndio inayokuweka katika nafasi uliyopo hivyo kama hurudishi fungu kwa jamii unaweza filisika.
     
  18. Husninyo

    Husninyo JF-Expert Member

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    kupata hasara mpaka kufunga hiyo biashara ndio kufulia lakini kama unaoperate at break even point ujue bado hujafulia.
     
  19. M

    Mama Joe JF-Expert Member

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    matumizi kuzidi mapato, hata kama unafanya kazi kila mwezi huwekezi na huna jinsi ya kukupatia kipato ila huo mshahara tu, ujue kazi ikiisha tu unafilisika, vivyo kwa biashara, kama kila upatacho kinatumika chotebila kuwekeza zaidi (mfano kwenye petrol gari, chakula, mavazi, fees nk) ujue mtikisiko mdogo tu ukitokea unafilisika!
     
  20. WA-UKENYENGE

    WA-UKENYENGE JF-Expert Member

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    Tatizo hapa ni uwezo gani ulionao!! Mtu anakuja kuomba msaada haangalii hali uliyo nayo. Kama kusaidia is what makes you happy, help your relatives hata kama kiasi ulicho nacho ni kidogo. Kwa hiyo, kusaidia mtu ni relative term, it is not a fixed parameter. Utamsaidia mtu kiasi hicho, lakini hakitamkomboa.
     
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