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M-pesa, tigo Pesa, airtel Money na Maangamizo ya Uchumi wa Tanzania

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by TumainiEl, Feb 24, 2012.

  1. T

    TumainiEl JF-Expert Member

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    Habari yenu wana Jf. Nimechukua nafasi hii ilikuongelea mashirika ya simu kujiingiza ktk biashara za kutoa fedha na kupoke kama ma Bank na vile yanavyo haribu uchumi wa Taifa letu. Unajuwa nilazima tujuwe uchumi wa nchi haupimwi kwa kupitia ktk utumiaji wa sim kama ma banks ila serikal inatumia ma bank kujuwa kiasi cha hazina yake.

    Kuanzishwa kwa biashara za kutuma na kupokea fedha kunaleta madhara makubwa hasa kwa ma bank. Kutokana na kupunguza deposit ambazo zilikuwa zikifanywa hapo awali na watu. Kutumia sim as a means of bank, kunawatu wamefika hatuwa yakujivunia kutembea na pesa ktk m. Pesa. Huku wakisahau kuweka pesa bank inakupa riba,ila kuwa napesa ktk M pesa ni sawa na mtu kuchimbia fedha ardhini. Ninabaki kushangaa kwanin serikali imeridhia mashirika ya simu kuwaibia wanachi kwa kutoza gharama kubwa ktk kutuma na kupoke fedha kwa kiwango cha asilimia 200% tofauti na ma bank.

    Pili uchumi wa tanzania unaenda kuhamishwa toka ktk ma bank nakwenda ktk mitandao ya simu? Jambo ambalo ni hatari sana, Prof Ndulu tafadhali tusaidie kujuwa ni kiasi gani ma bank yamepoteza as deposit tangau kuanza kwa mambo ya M. Pesa? Tukumbuke pesa iliopo bank ndio serikal inaweza kuikopa ama wananchi? Je ina maana M pesa anamkopesha nani?

    Tatu hivi karibuni Tanzania bunge limepitisha AML ACT. Sheria ya kuzuwia utakasaji wa pesa? Je huon ma billion yalio potea serikalini yameenda kusafishwa via M. Pesa ? Nakurudishwa bank as white money? Jaman kwakwel hukunikukosa wasomi nakudharau kazi ngumu wanayo fanya ma bank. Je issue ya KYC INAKUWAJE? Serikali imekurupuka nakuleta tatizo ambalo lisipopatiwa dawa sasa basi taifa litakuwa kwenye maangamiz mengine ya kiuchumi.

    Mungu ibariki Tanzania na watu wake! Amen
     
  2. Dark City

    Dark City JF-Expert Member

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    Nimejaribu kusoma ujumbe wako ila sijakuelewa vizuri...Labda upunguze hoja katika para moja na ujaribu kufafanua issue moja moja.

    Mfano, bank gani hapa nchini zinatoa riba kwa saving accounts ambazo ndiyo wengi wetu tunazotumia?

    Babu DC!
     
  3. D

    Domo Zege JF-Expert Member

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    Nafikiri huifahamu huduma ya M-PESA umekurupuka kuandika. Huduma ya M-PESA haitozi 200% huo ni uwongo wa hali ya juu kuna viwango vimewekwa kama service charge.

    Pili hakuna benki inayotoa riba kutokana na fedha unayoweka kama ipo ni kiasi kidogo sana.Huduma ya M-PESA imeasidia sana hasa watu wa vijijin wasio na access ya huduma za kibenk.
     
  4. Entrepreneur

    Entrepreneur JF-Expert Member

    #4
    Feb 24, 2012
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    Mkuu unaweza kuwa na hoja, lakini namna ulivyoelezea hapo inakuwa vigumu kukupata kwa haraka. Hata hivyo ungefanya utafiti wa kina ungegundua kuwa hata sector hii imekuwa na mchango mkubwa sana kwenye kuinua uchumi wa nchi na mtu mmoja mmoja. Hata benki zenye zimeona faida ya huduma hizi na ndio maana wameamua kuzimainstream kwenye huduma zao. Mfano NMB Mobile, Future banking (NBC- na ndio zile laki 8 zinazoonekana kwenye sim lakini hazitoki--- test account)

    Halafu ni bank gani inayotoa faida kwenye deposit za wateja? Kwa anayetaka faida walau kidogo basi ni lazima atenda Bank tu kufungua Fixed Account.

    Kikubwa na ambacho Serikali imeshakiona ni uthibiti wa huduma hizi, kwani kulikuwa hakuna uthibiti, hivyo kuhatarisha usalama wa hela za watumiaji. Kama ungepitia Hansard za Bunge la Budget, au speech ya Waziri wa Fedha kwenye Bunge la Budget 2011/2012 ungegundua kuwa suala hili limeanza kufanyiwa kazi ikiwa ni pamoja na kuwatoza kodi watoa huduma hao kwa huduma hizo.

    Lakini kinachonikera mimi, ni pale mtu anapokatwa fedha kwa kuangalia salio kwenye akaunti yake! What the hell is this?
     
  5. Dark City

    Dark City JF-Expert Member

    #5
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    Hata mie nakubaliana na wachangiaji hapo juu kwamba huduma hii imesaidia sana kupunguza ukiritimba wa banks....Inapatikana karibu muda wote na gharama zake si kubwa sana. Pia imepunguza mambo ya kununua recharge vouchers za kadi.

    Kama ambavyo mitandao ya simu ilivyobadilisha sekta ya mawasiliano...impact ya huduma hizi kwa mabenki lazima itakuwa kubwa sana na mteja ndiye atakayefaidi!

    Babu DC!!
     
  6. Lastname

    Lastname JF-Expert Member

    #6
    Feb 24, 2012
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    tunataka uharaka wa kupata huduma na muda wowote nitakaopenda sio longo longo za benki na siku hizi bank hizo zinakata pesa nyingi sana
     
  7. Abdulhalim

    Abdulhalim JF-Expert Member

    #7
    Feb 24, 2012
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    Pole kwa kuwa mgumu kukabili mabadiliko..at some point tu utakubali yaishe the sooner the better.

    Hapa ninayo nakala ya Daily News, naona hapa eti fixed deposits za benki ya makabwela eti zinaanzia milioni 100, sasa ni kabwela gani anaeza kueka hiyo ela? yaani nieke hela kwene acc ya akiba bila riba halafu wankate tu makato halafu niendelee kukenua tu kwa ufahari wa kijinga kwamba eti nina pesa benki! ujuha gani huo?

    Providers wa simu za mkononi wanatusaidia kurahisa maisha, benki zetu labda zitaamka kuboresha huduma wakiona wateja wanapungua, hii ndio bakora pekee ya kuwachapa, maana walikuwa na maringo sana.
     
  8. T

    TumainiEl JF-Expert Member

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    Feb 24, 2012
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    Maoni yenu wadau nimeyasoma yote ila kumbukeni cheap ni haghali.

    Watanzania wanapenda mchina sana kiasi tunashindwa kupambanua hathari zakiuchumi ktk hili. Hii ni sawa ulete mchele wenye sumu uwauzie watanzania kwa 1kg@Tsh1000/=. Nadhani utawauwa wote. Sii wasomi wala wasio wasomi we love cheap. Nahapa ndipo tunapo liangamiza taifa.

    I love German maana ni moja ya mataifa yana vitu haghali ila durable. Nifafanue tu sipingi M. Pesa. Ila m. Pesa kufikia mpaka mamilion ku2ma ni hatari tena ni hatari bila kumumunya. Tena sasa hivi mpaka mishahara huu nauwita ujinga pasipo kufumba macho nakuvinyooshea vyombo husika kwakuwa vipofu ktk hili.

    Mfano bank mtu anaweka fedha bure na kutoa kwa kati ya TSH 600 up to Tsh1000. Per Transaction of up to 25M. M. Pesa unatuma pesa 100.000/= kwa tsh2500/. Hii sio asilimia 200% ya makato? Nakuwanyonya wanyonge? Kumbe nibora kuwa na akaunti bank kuliko kufanya huu umasakuu? Pili kujuwa salio ni Tsh200 up 300 if not 400 ktk ATM. How much poor people charged for checking balance into M. Pesa? Kile mnasema kimeinua uchumi ni kama kujenga nyumba miamoja ktk kijiji zikawa unafuu kwa wananch kwa miaka mitatu ila kumbe zimejengwa ktk bonde mvua ikaja nakuzowa nyumba zote.

    LEO NATAKA KUSEMA IKIWA HIZI HUDUMA ZA M.PESA NAZINGINEZO ZILIZOOTA KAMA UYOGA HAPA NCHINI HAZITO ZIBITIWA BASI TUJUWE UCHUMI WA TAIFA ILI TUNAUJENGA BONDEN AND AFTER 5YR SERIKAL ITAKUWA IKIPATA MAUMIVU MENGINE..
     
  9. T

    TumainiEl JF-Expert Member

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    Nakuunga mkono hoja japo bado action.
     
  10. T

    TumainiEl JF-Expert Member

    #10
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    Napenda kukwambia sii kwel fixed depost start from 100m. Nadhan unaitaji darasa la mambo ya kibank na kama ungeis6a hyo habari basi ungeyapata majibu bila kupata shida. Karibu.
     
  11. Dark City

    Dark City JF-Expert Member

    #11
    Feb 24, 2012
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    Inawezekana una hoja mkuu,

    Ila naomba ujitahidi kujibu hoja za wadau tena kwa ufupi na bila kuchnaganya mambo.

    Nimekuuliza...ni benki ipi inatoa riba kwenye saving account?

    Hizo benki zinazotoa huduma ya bure ziko wapi? NBC wanaishia ngazi ya mkoa...CRDB na NMB zimefika kwenye baadhi ya wilaya. Wakati huo mabenki mengine makubwa yako Dar, Arusha, Mwanza na miji mingine mikubwa!

    Je, watu zaidi ya 60% ya watanzania wanaishi katika maeneo yaliyo nje ya makao makuu ya wilaya na mikoa watapata wapi huduma za banks??

    Babu DC
     
  12. T

    TumainiEl JF-Expert Member

    #12
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    unaitaji elimu kubwa ktk maswala yaki bank na ujuwe Rahis ni ghali sana.
     
  13. Achahasira

    Achahasira JF-Expert Member

    #13
    Feb 24, 2012
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    mkuu ningependa kukumbusha kuwa kampuni za sim zikiwa na hela nyingi basi hata ushuru unapanda,sasa wakilipa kodi kubwa si wanaziba pengo la mabenki?
     
  14. Kilimo

    Kilimo JF-Expert Member

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    Feb 24, 2012
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    Pole sana ndugu ila benk kama CRDB ni noma inawaibia wateja wake mainly thru ATMs hakika weng wanalizwa sasa mbadala ni nafuu kama hizo huduma za simu, serikali haitakiwi kukopa ktk mabenk maana ina miradi mingi kama madini, utalii, PAYE, SDL na kodi mbalimbali chamsingi kama hawana responsibility and accountability ktk ufanisi wao hilo ni jukumu lao na jukumu lako kuvote for change in 2015 so that you can have a new ADMINISTRATION.
     
  15. m

    mwabaluhi JF-Expert Member

    #15
    Feb 24, 2012
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    Concerns zako zinaweza kuwa valid lakini jiulize je ni Tanzania tu pekee ndiko huduma hii ya pesa kwa simu inafanyika? Kenya, nchi kadhaa za Asia, na ukanda mkubwa wa Kusini mwa Africa unaohudumiwa na Shirika la simu la MTN hii kitu inafanyika.

    Na zaidi ya hayo USAID ama IMF kama sijakosea wanataka kutoa pesa ili kuimarisha huduma hii ya kifedha kwa njia ya simu kutokana na mchango wake katika sekta isiyo rasmi na uboreshaji huduma za kifedha vijijini.

    Vilevile tunaona kuibuka kwa trend ya mabenki unayoyatetea kuingia katika mikataba ya ushirikiano utoaji huduma za kifedha na watu kama mpesa and the co. Unaweza kuwa na hoja valid lakini wapaswa kurephrase ili concerns zako zijitokeze wazi na kueleweka zaidi.
     
  16. Idimi

    Idimi JF-Expert Member

    #16
    Feb 24, 2012
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    1. Nakubaliana na baadhi ya 'concerns' za Tumainiel, hasa kuhusu udhibiti wa hizo mobile banking, kwa sababu zisipodhibitiwa zinaweza kutupeleka pabaya (kutumika kwa malengo maovu-kusafisha pessa haramu). Mobile banking lazima zifanye kazi kwa mujibu wa sheria za fedha, watoa huduma na wapokea huduma walipe kodi na serikali ijue kabisa ni kiasi gani kinazunguka katika mitandao hii kwa sasa kama mitaji na amana za wateja.

    2. Naungana na DC hapo juu kwamba benki zote kubwa kubwa hapa nchini zinafanya kazi kuishia katika ngazi ya wilaya (tukiongelea CRDB na NMB). Nyingine karibu zote zimejazana mijini, hasa miji mikuu ambayo inakaliwa na 20% ya Watanzania. Ina maana hao 80% waliosalia, ambao kwa bahati ndio wengi, wanategemea huduma za SACCOS, VICOBA na mobile money (kwa maana ya Tigo Pesa, Z-Pesa, M-Pesa na Airtel Money). Kwa hiyo basi, huduma hizi zinasaidia watu wengi zaidi (kwa maana ya kutoa huduma) kuliko benki kubwa. Tusilalamikie tu uholela wa huduma zao, bali tujikite katika kuziboresha ili wananchi na serikali wote tufaidike na huduma hizi.

    By the way, M-Pesa haifanyi kazi tangu jana, sijajua shida iko wapi. Any clue from any one?
    Nawasilisha

     
  17. Abdulhalim

    Abdulhalim JF-Expert Member

    #17
    Feb 24, 2012
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    Wewe wasema. Tena kwene nakala hiyohiyo ya gazeti kuna benki ya Posta, wao wanaanzia laki 1 tu!
     
  18. Dark City

    Dark City JF-Expert Member

    #18
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    Nami nakubaliana na wewe kwamba TumainiEl anaweza kuwa na hoja ila kwanza ameshindwa kuwasilisha ujumbe wake kwa njia ambayo ni direct ili tumuelewe...Mixing messages leads to dostortion!! Na pili hatoi ufafanuzi wa hija za wadau ili tumuelewe.

    Hicho ndicho kimetokea na tumemweleza toka mwanzo..badala yake naona kaanza kushambulia wachangiaji..Haitasaidia hata kidogo!

    Hata hivyo, lawama zake kazielekeza kwa wasio husika. Ilibidi uoneshe wazi upungufu wa serikali katika kusimamia hii sekat ambayo si tu inakua kwa kasi bali inahudumia watanzania walio wengi. Badala yake analaumu hata sie watumiaji!

    Hivi akienda na hoja kama hii kugombea ubunge (assuming hakuna uchakachuaji) anaweza kupata kura ngapi (in terms of %) kwa wananchi hata wale wa mjini Dar??

    Babu DC!!
     
  19. Bon

    Bon Senior Member

    #19
    Feb 24, 2012
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    Siamini hata kidogo kuwa MPESA Inatishia uchumi wa nchi. labda kwa kutoa dodoso. wazo la simu bankin lilianzishwa wa DFID shilrika la Waingereza linalijihusisha na kupunguza umaskini. llikatoa pesa kwa mitandao ya simu hapa nchini lilianza na VODACOM MPESA. na kwa kiasi kikubwa project hii imesaidia kuondoa umaskini.

    Ila mtoa hoja labda inabidi aeleweshwe nini maana ya umaskini. Unaweza kuwa na Mabililioni ya pesa bank bado ukawa ni maskini kama huna uwezo au namna ya kuzitumia pesa zako. kwa kiasi kikubwa umasikini kwa fafanuzi sahihi, umepungua kwa njia ya MPESA etc.

    Ila kitu ninachokubaliana na mtoa hoja ni kweli kuwa hizi simu banking lazima ziwe na control, mfano wanaweza kuweka kiwango maalumu ambacho mtu anaweza kuwa nacho kwenye account yake ya simu. Hii itapunguza uwezekano wa watu kukwepa kutumia bank sysstems.

    Ni hayo kwa sasa.
     
  20. Mlachake

    Mlachake JF-Expert Member

    #20
    Feb 24, 2012
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    Physical cash is deposited in a bank and only Transactions go through M-pesa.

    Naomba ongelea kupungua kwa Bank Transctions na sio Deposits.
     
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