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Kuhusu VICOBA (Village Community Bank)

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Nyenyere, Feb 12, 2011.

  1. Nyenyere

    Nyenyere JF-Expert Member

    #1
    Feb 12, 2011
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    Wakuu heshima mbele. Hii ni post yangu ya kwanza kwenye hii forum. Nimekuwa nikisikia kitu kinachoitwa VIKOBA. Ni kama cooperation fulani hivi lakini siielewi vema. Kama kuna mdau anaufahamu na hiki kitu naomba anijuvye. Salute.
     
  2. Nanren

    Nanren JF-Expert Member

    #2
    Feb 12, 2011
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    Nahisi uliowasikia walikuwa wanamaanisha VICOBA ambayo ni acronym ya Village Community Bank.
     
  3. Nyenyere

    Nyenyere JF-Expert Member

    #3
    Feb 12, 2011
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    Mkuu Nanren nashukuru sana. Sasa hiyo VICOBA ina deal na nini hasa. Nasikia watu wanajiunga lakini sijabahatika kuelewa faida yake
     
  4. Nanren

    Nanren JF-Expert Member

    #4
    Feb 12, 2011
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    Kwa sababu naona unatumia internet, nafikiri VICOBA havikufai. Wewe ni wa mjini. VICOBA ni program au miradi mahususi kwa wanajamii vijijini, kwa ajili ya kuwapa mikopo midogo midogo kwa matumizi kwenye kilimo, ufugaji, na shughuli zingine za vijijini. Unaweza ku-google, utapata details zaidi.
     
  5. C

    Chimilemwiyega Member

    #5
    Feb 13, 2011
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    Mkuu siyo kweli kwamba VIKOBA ni kwa ajili ya wanakijiji tu, hata watu wa mijini aidha wafanyabiashara au waajiriwa wanaweza kuanzisha kikundi chao na kuanza kuweka fedha na baada ya muda mfupi mkakopeshana kwa mfumo wa VIKOBA. Mfumo wake ni kwamba mnakuwa na kikundi cha watu 10 hadi 15 na kujiwekea kiwango cha HISA ambapo kila wiki mnakutana mara moja na kila mmoja ananunua HISA moja kwa mwezi mnakutana mara Nne. Kama HISA mnajipangia sh 25,000 kwahiyo kwa mwezi mtakuwa mmekusanya sh 25,000 mara 10 mara 4, mnaweza kuanza kukopeshana kwa zamu kama mtakavyo kubaliana nani waanze kukopa, na kukopa ni mara 3 ya HISA zako. Na marejesho yanaanza baada ya mwezi mmoja, na mkopo unarejeshwa kwa miezi 3 hadi 6. wakati wa kurejesha na members wengine wanaweza kukopa na mzunguuko ukaendelea. Any way naweza kuwa siwezi kueleza vizuri ila ni kitu kizuri sana kwa uchumi. tena kwa watu wa mjini mnaweza kujianzishia kwa HISA kubwa zaidi na kunufaika kwa haraka kuliko wa vijijini ambao wanakuwa na hisa za sh elfu moja moja.
     
  6. C

    Chimilemwiyega Member

    #6
    Feb 13, 2011
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    Na riba wanaita ziada ya mkopo inakuwa ni 4% hadi 5%, na mwisho wa mwaka wanaangalia wana faida kiasi gani iliyotokana na ile riba/ziada ya mkopo.
     
  7. Nanren

    Nanren JF-Expert Member

    #7
    Feb 13, 2011
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    Asante kwa ufafanuzi.
    Ukweli ni kuwa sijawi kufikiria kuwa VICOBA vina-operate mjini. Maana hata neno Village linamaanisha kijiji. Nilifikiria vipo vijijini kutokana na Mabenki mengi yanayo-operate mjini kushindwa kuwafikia wanavijiji na hivyo kuvifanya VICOBA kuwa mbadala. Thanks, nimejifunza kitu.
     
  8. Nyenyere

    Nyenyere JF-Expert Member

    #8
    Feb 14, 2011
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    Wakuu niliamua kufanya home work yangu. Baada ya kuingia mtaani nilibahatika kukutana na mama mmoja ambaye ni member wa VICOBA huko kigamboni. Yeye alinieleza kuwa VICOBA ya mwanzo kabisa ilianzia Ukonga mwaka 2002. Maelezo ya Chimilemwiyega na sahihi kabisa isipokuwa tu kuna chombo ambacho kinavisimamia VICOBA kupata usajili na mikopo kutoka katika mabenki. Pia kinasaidia kuibua miradi mbalimbali kwa ajili ya maendeleo ya VICOBA husika. Mfano ni VICOBA aliko huyu mama imeundwa miezi mitatu tu iliyopota. Lakini wakati wa kukutana wiki iliyopita hiyo taasisi inayowasimamia ikawaletea proposal ya kuendesha mradi wa uvuvi na kwamba boti nne zimepatikana ambazo watakuwa wanazilipia kadri wanavyozalisha. Alinipa mifano mingi tu ya mafanikio ya VICOBA kama pale Mwenge ambapo wamepatiwa coaster nne kama mradi. Wale wa Ukonga wanakamilisha ujenzi wa jengo la ghorofa nne kama kitega uchumi chao.
    Nilichojifunza:
    1. Kikundi kinaundwa na watu katiya 15 - 30.
    2. Kila member ananunua HISA 1 mpaka 5 tu kila wiki
    3. Bei ya hisa mnapanga wenyewe (wengi wanafanya 2000 - 3000)
    4. Baada ya mfuko kutuna mnaanza kukopeshana kwa riba.
    5. Wakati wote huo tayari taasisi inayosimamia VICOBA itawaletea miradi mbalimbali kadri wafadhili wanavyopatikana.
    6. Mnachagua miradi ambayo mnaweza kuisimamia.
    7. Baada ya kuweka vitega uchumi faida inayopatikana inagawanya kwa wanachama.
    8. VICOBA HAIFI kwa vile inawekeza kwenye assets. Inarithishwa. Lengo ni kumilikisha wananchi assets.
    9. VICOBA inapewa usajili kamili serikalini na akaunti ya kikundi na zile za wanachama zinasimamiwa na TWIGA BANCORP.
    10.Itazame Vicoba kama long term investment. kadri unavyo kuza mtaji wako (Hisa) ndivyo unayopata gawio kubwa.

    Bado naendelea kuchimba zaidi. Nafaha juhudi niweze kuwapata hawa jamaa wa Ukonga nipate kujifunza zaidi. Nitapost hapa kama mtakuwa interested.
    Salute wakuu.
     
  9. Sita Sita

    Sita Sita JF-Expert Member

    #9
    Feb 14, 2011
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    Riba ni ASILIMIA ngapi?

    Vp mtu akitaka kujitoa utaratibu ukoje?

    Vp mtu akitaka kujiunga anaanza kulipia HISA za siku za nyuma?

    NB. Nasikia hela zote zinatakiwa kurudishwa kwenye kikundi by the end of the year, so hapo lazima urudishe mkopo within a year
     
  10. Nanren

    Nanren JF-Expert Member

    #10
    Feb 14, 2011
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    Tuwekee tu hapa, mkuu. Shukrani!
     
  11. newmzalendo

    newmzalendo JF-Expert Member

    #11
    Feb 14, 2011
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    i love JF.no wonder i am addicted to JF 24/7. Mkuu ukishapata full nondoz naomba utuwekee hapa.in 2008 nilipoenda BRELA kusajili biashara nilikutana na applications zaidi ya 10 kwa ajili ya vikoba,nikaulizia ni nini jamaa akaniambia ni kama saccos ,kumbe ni bora ya saccos inaonyesha after 10years a vicoba could grow up to be a Bank :) ,natafuta members wa kuanzisha nao vicoba.
    Je wanafamilia mnaruhusiwa kuanzisha VICOBA?nawaza kuanzisha vicoba ya ukoo wetu
     
  12. C

    Chimilemwiyega Member

    #12
    Feb 14, 2011
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    Wanafamilia mwaweza kuanzisha kama mnaheshimiana na mkaheshimu maamuzi yenu na kuwa serious, kuna wana ukoo wengine hawaivi, hapo inakuwa ngumu kuwa na maelewano mkaendelea. Nanren umeuliza kama mwanachama ataka kujitoa; mara nyingi nimeona sehemu kama mwanachama anataka kujitoa mfano anahama eneo kwa kuwa VIKOBA ina displine ya kukutana kila wiki kuna members wanahama, wanachofanya wanatafuta mtu wa ku mreplace ambapo ananunua hisa za anayeondoka kwa kumrudishia helake, kwahiyo anayeingia anakuwa ni mwanachama mzoefu na wala sio mgeni tena. vile vile kama zamu ya kukopa imefika anakopa bila kusubiri akae muda flani no! uzuri wake riba/ziada ya mkopo ni ndogo mno kiasi kwamba si mzigo kulipa ndani ya mwaka.
     
  13. Smarter

    Smarter JF-Expert Member

    #13
    Feb 14, 2011
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    Im interested, Je kuna Watu walioko interested wanaoishi Arusha?
     
  14. Nyenyere

    Nyenyere JF-Expert Member

    #14
    Feb 14, 2011
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    Wakuu taasisi inayosimamia VICOBA inaitwa UYAKODE (not sure if spelled correctly). Hawa ndo wanaosimamia usajili na kutafuta miradi mbalimbali kwa vikundi. Pia ndio wadhamini. Tusiitazame VICOBA kwa namna ya kukopa tu. Lengo ni kuwa na mtaji wa kuweza kuanzisha mradi ambao faida yake itawanufaisha members. Kuna VIKOBA wamejenga hosteli za wanafunzi n.k.
    Bado nafuatilia kwa kina mchakato mzima. Ila kujiunga ni kama ilivyoelezwa na mkuu Chimilemwiyega. Maximum number ni 30. Hivyo mpaka upate mtu anayejitoa. Tena ni kwa zile tu zenye muda mfupi (ambazo bado mtaji ni mdogo). Njia rahisi kabisa ni kuanzisha kikundi chenu kisichozidi watu 30 (hata kama hawatimii it's ok), then work your way to the top.
     
  15. M

    Mama Derick Member

    #15
    Feb 15, 2011
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    aisee hii kitu ni nzuri sana kwakweli.em ngoja namie ntafute wenzangu tutengeneze kundi letu
     
  16. Boniface Evarist

    Boniface Evarist JF-Expert Member

    #16
    Apr 17, 2012
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    Leo walikuwa na Mengi full shangwe hii kitu bomba sana.
     
  17. Nyenyere

    Nyenyere JF-Expert Member

    #17
    Apr 18, 2012
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    Wadau wa VIKOBA wanapiga cash ya kutosha tu.
     
  18. afrique

    afrique JF-Expert Member

    #18
    Feb 22, 2014
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    Tutafutane tufanye hiyo kitu, myself niko Arusha
     
  19. M

    Mr.Tanzania Member

    #19
    Mar 21, 2014
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    Mbona ciwapati hisa ndio nini tena
     
  20. Marire

    Marire JF-Expert Member

    #20
    Mar 21, 2014
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    aisee wakuu mi niko mwanza na hapa mtaani kwetu tupo wafanyabiashara 10 amabao tuna kitu tunaita mchezo ila mi nadhani ni upatu kwani kila jumamosi mwanachama anatoa 50,000 na kuna mtu atakabidhiwa ambapo atapewa cash 500,000 tupo mzunguko wa pili mwishoni na kila member anatii mashariti na vigezo vizuri mno!
    ningempata mtaalamu aje atukalishe na katupa darasa la VICOBA ingekuwa safi kweli kwani hiyo upatu wetu ni pesa ile ile haikuwi.
    ila kwa uzoefu wangu kila member ana uhakika wa kupata 50,000 @ week
     
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