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Mabenki na mikopo ya biashara kwa wahitimu

Discussion in 'Nafasi za Kazi na Tenda' started by NasDaz, Dec 1, 2011.

  1. N

    NasDaz JF-Expert Member

    #1
    Dec 1, 2011
    Joined: May 6, 2009
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    Thread hii ni summary ya makala ambayo niliitoa kwenye gazeti la Rai wiki kadhaa zilizopita. Aidha, makala hiyo ilikuwa ni matokeo ya informal survey ambayo nilipata kuifanya siku za nyuma.

    Kwa kifupi, katika utafiti huo usio rasmi nilitaka kufahamu graduates wa hapa Tanzania wanavipa thamani gani vyeti vyao vya taaluma. Hivyo, moja ya maswali ambayo nilikuwa nawauliza wadau, ni kiasi gani cha fedha ambacho wangekuwa tayari kulipwa ili kuviuza vyeti vyao permanently! Katika utafiti huo, hakuna hata mmoja ambae alitaja fedha chini ya TZS 50 million!! Hapo, ndipo nilipokuja kubaini kwamba kumbe graduates wetu hapa TZ wanavipa thamani kubwa sana vyeti vyao! Hata hivyo, bado thamani hiyo inaelekea haijaonekana na mabenki yetu!

    Miezi michache baadae(tangu nilipofanya hiyo informal survey) nikahudhuria on job training wakati nikiwa kibarua wa benki moja nchini. Katika training hiyo, trainees wengi walikuwa ni wale ambao walikuwa waajiriwa wa benki chini ya mwaka mmoja. Wakati huo, mimi nilikuwa na experience ya miaka 3. Trainees wenzangu hawa walikuwa na malalamiko dhidi ya mwajiri kwamba (mwajiri) alikuwa na ubaguzi katika utoaji wa mikopo kwa wafanyakazi wake (bank staff). Kwa ufupi, waajiriwa wa benki ambao walikuwa ndani ya ajira chini ya miaka mitatu walikuwa na unfavourable terms ambazo majority (Tellers + Loan Officers) zisingewawezesha kupata mkopo hata wa TZS 2million! Hata hivyo, niliwahabarisha wenzangu hao kisa cha mwajiri kuwa na double standards kwa wafanyakazi wake mwenyewe. Kwamba, staff wengi walikuwa wanachukua mikopo na kuingia mitini na hatimae kuwa ni loss ya benk! Na kwavile staff hao wanakuwa wamekaa kwenye ajira kwa muda mfupi, basi hata benefits zao za PPF zisingeweza kufidia mikopo hiyo. Hivyo, nikawaambia wazi kwamba, hata wakikutana na mwajiri na kutoa malalamiko yao hilo ndio jibu watakalopewa na hivyo nikawapa changamoto ya kuanza kwanza kutafuta jibu la ku-defend dhidi ya hoja ya mwajiri. Isingeingia akilini kusema "hivi sasa tutakaochukua mkopo hatutaacha kazi!" Hiyo ingekuwa ni hoja dhaifu kwa vigezo vyovyote vile!

    Wote, hawakuwa na jibu la kuridhisha!

    Hapo nikawauliza, wanaonaje wakimweleza mwajiri kwamba wapo tayari kuweka Original Academic Certificates kama hati ya dhamana kwa mikopo watakayochukua! Hapo mjadala ulikuwa mkali huku kila mmoja akiona ugumu wa kuweka cheti chake kama hati ya dhamana......bila shaka ni kwavile, kwao cheti ni kitu muhimu sana!

    Hapa tena, ndipo nikaja kuona thamani ya vyeti vyetu; thamani ambayo bado haijaonekana na mabenki yetu! Hapo ndipo nikaja kujiuliza, hivi thamani iliyo bora kwa benki ni ipi!!! Hakuna shaka yoyote kwamba wengi wetu (including bankers) tunaamini dhamana iliyo bora kwa benki ni ile inayouzika kirahisi! But the question follows; what will happen pale benki itakapokuwa na dhamana (say, nyumba) kadhaa za wateja ambao wameshindwa kulipa mikopo yao?! Bila shaka, kitakachotokea ni kile kilichotokea America na kusababisha msukosuko wa uchumi duniani. Mabenki yalikuwa na nyumba kadhaa za wateja walioshindwa kulipa mikopo yao na kusababisha thamani ya nyumba kwenda chini na hatimae mabenki kupata hasara!

    Hivyo basi, ukichunguza kwa makini, utagundua kwamba dhamana iliyo bora siyo tu ile ambayo inauzika kirahisi (easily sold), bali pia ile ambayo mkopaji hatakuwa tayari kuipoteza kirahisi huku umuhimu wa vigezo hivyo viwli ukiwa almost the same! Therefore, kwa msomi, hususani yule ambae hana tangible asset (collateral), bila shaka kitu pekee ambacho hatakuwa tayari kukipoteza kirahisi ni cheti chake (ACADEMIC CERTIFICATE). Huyu, ukimpa mkopo wakati hati ya dhamana aliyoiweka ni cheti cake, basi bila shaka atakuwa makini kwenye mkopo aliouchukua ili aweze kuurudisha. Kama hivyo ndivyo, ni kwanini basi mabenki yasifanye tathimini ya kina kuangalia uwezekano wa kutumia Academic Certificates kama hati za dhamana?! Is it worthless?! I don't think so! Ni kweli kwamba Academic Certificates has no market value (haviuziki) in case mkopaji akishindwa kulipa mkopo, lakini tusisahau vilevile kwamba hii ni dhamana ambayo mwenye nayo hatakuwa tayari kuipoteza kirahisi. ACADEMIC CERTIFICATE ndiyo maisha yenyewe kwa msomi!

    Kutokana na ukweli huo, ningependa kutoa changamoto kwa mabenki ya biashara pamoja na serikali (decision makers) kuangalia ni namna gani jambo hilo linaweza kutekelezeka in a WIN-WIN situation! By the way, huu ni wakati wa mabenki kuacha ku-rely in traditional banking practices! Dunia ina-change very fast huku sekta hiyo (banking sector) ikiwa inatishiwa na changamoto nyingi zinazotokana na maendeleo ya sekta ya teknolojia ya mawasiliano. Ingawaje Tigo Pesa na M-Pesa imeanza miaka michache tu iliyopita, lakini tayari idadi ya wateja wake ipo almost the same as wale walio kwenye traditional banking sector iliyopo zaidi ya miaka 50 iliyopita! Tayari, upande wa deposits kwa mabenki umeshatikiswa na uwepo wa mobile banking! Sooner or later, mabenki yatarajie kutikiswa upande wa mikopo....!! Tayari, kampuni za simu zinakopesha wateja wake muda wa maongezi, hivyo muda si mrefu utakuja kusikia wanaanza kutoa mikopo midogomidogo! Hili linawezekana kabisa....let's wait and see; time will tell. Na hilo likitokea, utakuwa ni mtikisiko mwingine kwa mabenki, husani yale ambayo ni purely, retail banks. Sasa, ni kwanini basi mabenki yetu yasiwe creative enough na kuangalia other options?! Suala la kutumia ACADEMIC CERTIFICATES kama hati ya dhamana, linawezekana; kinachohitajika ni mipango tu. Binafsi, nina mawazo yangu katika hili. Hivyo, ni wakati wa wadau kutoa mchango wao ni namna gani wanadhani jambo hili linaweza kufanyika kiufanisi.

    Hili likiwezekana, litakuwa limesaidia sana kwenye uchumi wetu. Kwanza, mabenki watakuwa na portifolio za wateja wasomi wenye ufahamu mkubwa....kwa kawaida watu wa aina hii wanakuwa motivated na expansionsm. Hii ni opportunity kwa mabenki! Kwa upande wa serikali, hii itasaidia sana kupunguza tatizo la ajira nchini. Sina shaka wasomi wengi wana viable business ideas lakini wanashindwa kuzitekeleza kwa ajili ya ukosefu wa mtaji! Sio siri, endapo hata yale mabilioni ya JK yangetumika kudhamini program kama hizi basi bila shaka productivity yake ingekuwa kubwa zaidi kuliko ilivyokuwa. Na overall outcome ya hii kitu ni kuongezeka kwa uwekezaji toka kwa wazalendo!

    NAWASILISHA!

     
  2. Husninyo

    Husninyo JF-Expert Member

    #2
    Dec 1, 2011
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    Una mawazo mazuri sana. Kweli watu huwa wanamaliza chuo wakiwa ari na nguvu ya kufanya kazi. Wanatoka na maujuzi ya namna ya kujiajiri, business ideas kibao lakini wanashindwa kuimplement sababu ya kukosa hiyo capital. Wanajikuta wanaanza kupoteza ujuzi wao taratibu wakati wapo kwenye mchakato wa kutafuta kazi za kufanya.
    Collateral hiyo wengi wataiweza ila graduates wapo tayari kuweka certificates zao kama collateral? Nini hatima yao wakishindwa kulipa? Ina maana watakuwa wamepoteza vyeti vyao mazima?
    Banks zitaconsider vigezo gani katika hizo academic certificates? Namaanisha cheti kitakachosoma GPA ya 5 ndio kitapewa first priority na vile vinavyosoma GPA za 2 havitoingia kwenye mchakato? au cheti kitakachoonesha umegraduate SUA hakitafikiriwa wakati kinachoonesha umegraduate mzumbe kitapewa kipaumbele.....?
     
  3. ntogwisangu

    ntogwisangu JF-Expert Member

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    Dec 1, 2011
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    Mawazo yako si tu mazuri bali kama nchi hii ingekuwa na viongozi haswa!yangefanyiwa kazi!nina hakika yangeboresha hali ya maisha ya watu wengi!big up kaka!
     
  4. U

    Ulimakafu JF-Expert Member

    #4
    Dec 1, 2011
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    Mawazo mazuri mkuu.
     
  5. mkonomtupu

    mkonomtupu JF-Expert Member

    #5
    Dec 1, 2011
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    Mkuu, hii ni bonge la idea na inabidi ichukuliwe hatua mahsusi kuweka mipanga kama into operation na sio kubaki makaratasini. Najua nchi ina watu wasomi na wenye maono (vision) pevu ila wanasiasa ndio wanatuangusha
     
  6. N

    NasDaz JF-Expert Member

    #6
    Dec 1, 2011
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    Qn: Jinsi gani mikopo italipwa endapo kutakuwa na default?!
    ANS: Hawa watu bado ni valuable assets kwavile ni wasomi na wana ujuzi. Sooner or later, wataajiriwa tu! Na hapo ndipo watakapokuja kulipia madeni yao sawa na ambavyo inafanyika hivi sasa kwenye loan board. Kinachohitajika ni sheria tu endapo wadau wataona umuhimu wake! Inaweza recovery isiwe kwa 100%, lakini pia inaweza kupunguza madeni kwa kiasi kikubwa. u knw wht; we don' have to run from risk, wht we need to do is to minimise them!

    Qn: Nini priority?! GPA, institution status or what else?!
    ANS: All are necessary but not sufficient condition! Sufficient condition ni kuwa na viable business ideas supported by business plan ambayo mtu ataweza kui-defend! Kama ni mimi, ningeangalia zaidi vitu vifuatavyo:
    1. Product/Services
    2. Market/competition
    3. Business site
    4. Projected cash flow!

    Ukija na GPA yako ya 5 (i hope ndo highest) from Havard University na kutaka kufanya biashara ya Soda, na mwingine anakuja na GPA ya 3 (from inferior university according 2u) lakini amepata sole right ya kuuza chips kwenye moja ya baa maarufu sana hapa jijini; then wewe mwenye GPA 5 from Havard nitakumwaga!

    Usisahau, GPA ya 2 kwa mwenye nayo ina thamani ile ile anayoiona kwa mwenye 5! Ni kama wazazi wawili, mmoja ana kijana ambae ni very bright, na mwingine kijana wake anaishia kupata 35% darasani! Thamani ya watoto hawa kwa wazazi wao ni sawa!
     
  7. made

    made JF-Expert Member

    #7
    Dec 1, 2011
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    Daah!!!una mawazo mazuri sana jaribu kuyapeleka mbele!na huo ndo uanaharakati si kupiga kelele kama wanasiasa ambao kwa sasa napata tabu kuwaelewa kabisa.
     
  8. mjombo's

    mjombo's JF-Expert Member

    #8
    Dec 2, 2011
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    yap hayo ni mawazo makuu kutoka kwa wakuu wa hoja, up grade u, lakini unapoongelea mabenki inabid ujue kuwa unafocus kwenye ubepari na ni vizuri tukajus maberi wanamtazamo gan juu ya mambo km haya, 1st wapo for profit motives in a short run so magraduate hawa wataface hard nd strict terms ov loans to de extent kwamba watashindwa ku adopt thoz terms, 2nd capitalist wanaamini kwamba every one has egual chance so km huyu au yule anaweza ku abide na terms zao na kuweka hizo collateral wanazotaka so km every has equal chance y not you so kwa mtazamo huu graduate hawa watakosa nafas za mikopo kwa fikra km hiz za mabepar simply wanasema the land is plain so the decision of some one of walking o running z in ones choice so reaching de destiny z our desire bt hw to reach dea z ur choice,so kaz ni ngumu kwa mtu awazaye kibepari ku conceive mawazo haya mazuri ya kumuendeleza msomi kiuchumi, 3rd ni kwamba ubepari ni ushindan so hawawez kushinda na mtu ambae ni competent wao huku wanampa mtaji ili awashinde simply ni kwamba survival for the fittest nd elimination of de weakness so mawazo yako mkuu af ril gud bt capitalist akifanya hivo atarealize profit in long run kitu ambacho hufanywa kwa mkopaji mkubwa ambae atagenerate profit kubwa pia kwa capilist na kwa kuwa graduate wetu wengi hawataweza kukopa mafungu makubwa so watakua wakopaj wadogo na kuhitajika kurudisha mkopo in a very limited period coz capitalist focus yake kwa mkopaji mdogo ni kumek profit in a short run. nawasilisha
     
  9. ndyoko

    ndyoko JF-Expert Member

    #9
    Dec 2, 2011
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    imekaa vyema hiyo. Natamani magamba wangeyajua haya na kubadilisha sera na sheria zinazosimamia mabenki kutoka hiari kuwa ni moja ya masharti ya uwekezaji ktk mabenki
     
  10. N

    NasDaz JF-Expert Member

    #10
    Dec 3, 2011
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    Usemayo mkuu ni kweli....hata hivyo, nimejaribu kujadili mambo mbalimbali kule kwenye Jukwaa Biashara. Sio mbaya ukipita kule ili tupate changamoto zako kwavile kule naona mjadala umekuwa mkali kuliko huku.
     
  11. M

    MWANAIDEA Member

    #11
    Sep 29, 2013
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    Ninaungana na mawazo yako mapana ,na yaliyojaa utashi wa mabadiliko na mapinduzi .kwa ufupi tumtu mpaka kufika hapo na kupata vyeti kiasi kikubwa cha pesa na muda zaidi hata ya hicho kiasi ulichokitaja :naomba wabunge hii ikawe ni hoja binafsi bungeni
     
  12. M

    Mpungati JF-Expert Member

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    Sep 29, 2013
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    Mawazo ya kisomi;tafiti sio rasmi ila inafaa kukupa credit ata udokta kabsa(causa)weka ata email yako bas wenye shida za mawazo tutakutafuta utusaidie MTAANI PAGUMU SANA AISEE.GPA TUMEZIFUNGIA KWENYE MABEGI YA BIBI ZETU@TANX SANA
     
  13. n

    nur Member

    #13
    Sep 30, 2013
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    kaka umewaza na kuwazua, nimeona ufaafu wa mawazo yako yaliyoshiba umakini mkubwa kwa hoja nzito zinazojieleza zenyewe. Sipend sana kusema serikali bali sisi wenyeme kwanza.. Ni vema mawazo kama haya tungeanza kwa kuyatumia kwa watu binafsi wenye uwezo wa kusaidia vijana ili maendeleo yake yawe point of reference huko kwenye mabenk . Otherwise nakushukuru sana
     
  14. king kan

    king kan JF-Expert Member

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    Mkuu umetoa idea nzuri sana na ambayo inabidi tufanye evaluation ya uwezekano wa jambo hili. Vigezo vya kuweka vyeti kama collateral ni kizuri ila hakiwezi kutumainiwa na mabenki kwa sababu ya usalama wa fedha zao ambacho ndio kitu kinachopewa kipaumbele kuliko vyote. Wazo hili nadhani linaweza kutekelezwa kwa ufasaha zaidi na mifuko yetu ya hifadhi za jamii.
    1. Mifuko ya hifadhi za jamii haikabiliwi na pressure kubwa kama mabenki yanavyokabliwa kutoka kwa shareholders ambao kwa sababu hawana maslahi ya moja kwa moja na wakopaji ni vigumu kukubali kusink capital kwa mikopo kama hiyo.
    2. Foundations na principles za kibenki hazikubaliana na utaratibu wa kuchukua mali zisizohamishika kwa sababu tu zina thamani, instead kwa kuwa wasomi ni mali ya jamii inakubalika kijamii kuubeba mzigo huu kutoka kwenye fungu la jamii.
    3. Pia katika kuendeleza vijana ni vizuri tukajikita katika fani vijana wanzohusika nazo through contracting, hapa namaanisha serikali iweke database za vijana walioko mitaani na kuwapa kazi ikitokea kuna haja. Kwa mfano kuliko serikali kutumia posho nyingi kutoa watu mawizarani kwa kazi zilizopo mawilayani ni vizuri iwaajiri kwa muda vijana wanaopatikana sehemu husika. Haileti picha nzuri kumtoa mtu Dar-es-Salaam kwenda Kigoma kutoa ushauri
     
  15. b

    bejamini Senior Member

    #15
    Sep 30, 2013
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    Wana jamvi kwa kweli tunawiwa kumpongeza mtoa hoja kwani kafikiri na kudadavua kwa kina na kuona ni namna gani anakuwa sehemu ya ukombizi wa taifa hili hasa kwa mlengo huu wa vijana. Tukiwa kama wasomi hatuna budi kufikiri kwa kina juu ya ufumbuzi SAHIHI wa matatizo mbalimbali yanayoisibu jamii kwani kufanya hivyo tutakuwa tumetimiza wajibu wetu kisomi. safi sana mtoa hoja and be blessed.
     
  16. mwantui

    mwantui JF-Expert Member

    #16
    Sep 30, 2013
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    Good idea make it work
     
  17. m

    mtengwa JF-Expert Member

    #17
    Sep 30, 2013
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    idea nzuri sana, binafsi nimemaliza chuo sina kazi ila nina bussiness plans kibao kichwani, tatizo ni mtaji.
    Mabenki na taasisi za kifedha inabidi zitusaidie wahitimu wa vyuo mbali mbali kwa kutupatia mikopo nafuu
     
  18. Mkalibari

    Mkalibari JF-Expert Member

    #18
    Sep 30, 2013
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    Idea nzuri sana na unafaa kupongezwa.ILA WANA JF NA MTOA MADA NAOMBA TUJADILI AU MNIPATIE MAJIBU YA CHANGAMOTO ZIFUATAZO.
    1:vipi mkopaji akashindwa kulipa au akakutwa na chenye kumkuta!swali,benki itauza vyeti vyake kama ifanyavyo kwenye collateral nyingine kama nyumba ili kurudisha pesa yake?
    2:unaonaje majukumu haya yakachukuliwa na gvt kwa vigezo vile vile na isiwe benki kama ulivyoshauri kwamaana faida ya gvt kwa jamii yake ni kuhakikisha inapata social services ambapo ni tofauti sana na namna benki zinzvyolenga faiida zake.
    3;vipi ukiweka vyeti original ktk benki au shirika flan la kifedha utaweza kupata vp ajira sehemu nyingine kwa maana ofisi nyingine zinahitaj nakala harisi za vyeti ndio zikuajiri
    4:je nchi zilizo endelea zinz mfumo gani ktk wazo kama hili kwa wahitimu?
    NAWASILISHA
     
  19. H

    Haludzedzele JF-Expert Member

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    Oct 1, 2013
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    una costructive idea! ni jambo zuri saana hongera kwa kuwakilisha oooo no kuwasilisha
     
  20. Adharusi

    Adharusi JF-Expert Member

    #20
    Oct 1, 2013
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    Wazo zuri ila mabepari wagumu kuelewa
     
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