Mabenki na mikopo ya biashara kwa wahitimu

Hivi kile kijitabu cha mfalme juha bado kinasomwa?..

Haya nayo ni mawazo ya Kisomi..?

Katika wote walio changia kuna hat mmoja amewahi kusoma Finance/Banking/Financial Risks..?
 
Aiseee ni mawazo mazuri sana Mkuu..!!

Nafikiri wakianzisha hiyo program banks nyingi zitaongeza portfolio na wakopaji watakuwa makini sana kwa sababu kiukweli ACADEMIC CERTIFICATES ndo maisha ya msomi so I believe graduate hatakuwa tayari kupoteza vyeti vyake kirahisi as a result atakuwa more than serious kwa mkopo atakaochukua...!!
 
Hebu wasiliana na Dr. Charles kimei then mweleze hoja hii hatafu njoo utupe feedback ili utunikiwe PhD faster.
 
NasDaz said:
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.
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Miaka mitatu imepita na tayari yametimia. Airtel Money kutoa mikopo hadi shilingi Laki 5.
 
Mpungati said:
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
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Hii idea ilishatolewa na CRDB bank kama miaka miwili iliyo pita, sema utekelezaji ndio issue
 
Hilo wazo zuri sana ndugu, lakini tatizo la decision making bodies wanadharau mawazo yanayotolewa na watua ambao hawapo kwenye organization zao big up ndugu
 
chige said:
Miaka mitatu imepita na tayari yametimia. Airtel Money kutoa mikopo hadi shilingi Laki 5.
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mkuu chige, hawa Airtel mikopo yao ipo vp,? ukitaka kukopa unafanyaje na ukikopeshwa hiyo laki5 unarudisha shng ngp (yaan interest shng/asilimia ngp?) na unarudisha kwa muda gan?
 
nyantuzu said:
mkuu chige, hawa Airtel mikopo yao ipo vp,? ukitaka kukopa unafanyaje na ukikopeshwa hiyo laki5 unarudisha shng ngp (yaan interest shng/asilimia ngp?) na unarudisha kwa muda gan?
Click to expand...
Timiza FAQs

English

Give me more information on the product.

It's a short term unsecured cash loan paid into your Airtel Money account. The loan is simple and accessible; no previous savings required at all. If you pay your loan on time, then you will continue to have access to additional loans whenever you need it!

Can anyone apply?


  • Currently Airtel and afb are offering loans to loyal customers of Airtel only who:
are above the age of 18

  • have registered as an Airtel Customer for 90+ days
  • have an active Airtel Money Account
  • have NO outstanding loan with afb at the time of application
  • have NO historic negative payment behavior with afb

Keep on requesting a loan to see if you are eligible

Do I need a bank account to be eligible for the loan?
No, not at all.

What can I use the loan for?
That's up to you. It is cash for emergencies, to buy stock for your business, or for any reason at all.

How many loans can I get?
You can only have one active loan at a time, but once your loan has been paid, you can automatically qualify for another loan, possibly even a higher amount too, depending on how you manage your account.

How much does a TIMIZA loan cost?
There is an initiation fee of 10% along with 0.5% interest per day. The full repayment is automatically taken from your Airtel Money on your due date.

Do I need to enter my Airtel Money PIN to get a loan?
Yes, this is to ensure that you have authorized the loan. Your PIN will be secure and is not visible to anyone.

What is the duration of the loan?
Loans are typically for either 7, 14, 21 or 28 days, with a single payment at the end of the term that you choose.

Can the term be increased?
Yes, the term can be increased. This will be done for good paying customers who take a 2nd or 3rd loan from AFB. The extension of the term is at the sole discretion of AFB based on your personal profile.

How do I qualify for a larger loan?
Please continue using your Airtel line and Airtel money account ACTIVELY and repaying loans on time, every time.

How do I repay the loan?..
You simply deposit money into your Airtel Money account before the due date. AFB will then automatically deduct the amount from your wallet on the agreed due date.

What if I want to repay early?
You can settle your loan at any time, even before the due date. Simply select the option "Repay Loan" on the USSD menu.
Your outstanding balance will be displayed and you can settle your loan in full, in this manner. Alternatively you can make a manual payment to nickname TIMIZA and use your mobile number as your reference.

Can I top-up my loan?
You are required to clear your outstanding loan first before requesting another loan. You cannot top up your loan.

Do I need to be registered for Airtel Money to apply for a Loan?
Yes, you will need an Airtel Money account to receive and settle your loan.

How do I check my loan balance?
You will receive SMS communications advising what your loan balance is. Should you try and apply for another loan or try and repay a loan, your outstanding loan balance will also be displayed. Alternatively, you can call the Airtel Call Centre for assistance.

What are the actions being taken for the defaulters?

Customers are SMS throughout the lifecycle of their loan, reminding them of the repayment amount and the repayment date .

If they default, penalty fees are added and SMS reminders continue. For late stage delinquent accounts, afb will blacklist the account (customer will never be able to apply for a loan again), hand over the customer's details to the Credit Bureau and take immediate Legal Action against the customer. This could mean that the customer will not be able to apply for credit elsewhere in Tanzania.

What assistance is there for a customer calling into the Airtel Call Center, when an issue is experienced with the TIMIZA product?
A call will come into the Airtel Call Center from a TIMIZA loan customer requiring assistance. The call centre agent will have the ability to view the customer record in TABS. They will also be able to access the TIMIZA loan information via a link on the TABS system. They will be the first point of contact and will endeavor to answer the customer's query. If they are unable to assist the customer, then the agent will be able to escalate the issue to a 2nd line user in the Call Center through the TABS system.

The 2nd line user will view the escalated problem and try to resolve it themselves and close the ticket in TABS. The 2nd line user will be able to access the Airtel Money UI to be able to assist the customer with any account issues. They will also be able to access the TIMIZA (afb UI) which will give them more detailed information about the customer's TIMIZA loan. If they are unable to assist the customer, they are able to escalate the issue directly to afb, through the afb UI. Afb will receive the escalation query immediately, and resolve within the SLA timelines. The afb system will auto-generate an email to the originator of the ticket, providing them with a resolution to the problem. The 2nd line user can then contact the customer to relay the information and resolve the issue.

Insurance with the TIMIZA product

What is the insurance that is available with the TIMIZA loan product?
Timiza loan Insurance is designed to provide you with protection in respect of your TIMIZA loan with afb. Your loan will be covered in the event of your death, disability and critical illness. It is FREE to you, the customer . For more information and the Terms and Conditions, and reference to the Loan Insurance Policy please visit TIMIZA.co.tz

Am I covered?
If your loan is in Cycle 1 ie it is not yet due, then YES, you are covered for all the benefits. If your loan is in Cycle 2, 3 or 4, then you are no longer covered for these benefits.

How do I claim?
We will take down your details and escalate to afb who will contact you within 48 hours.

Swahili

Naomba taarifa zaidi kuhusu huduma.

Ni mkopo wenye marejesho ya mda mfupi kupitia Airtel money. Mkopo ni rahisi na pia upatikanaji wake ni rahisi:hakuna malipo ya awali yanayotakiwa endapo utalipa deni lako kwa wakati utaendelea kupata mkopo mwingine wa nyongeza kila wakati utakapohitaji.

Mtu yoyote anaweza kuomba mkopo?

Kwa sasa Airtel na AFB inatoa mkopo kwa wateja wa mda mrefu wa Airtel tuu ambao:

  • Zaidi ya miaka 18
  • umesajili laini yako ya airtel Zaidi ya siku 90
  • umeshawahi kutumia Airtel money
  • usiwe na deni lolote na AFB
  • huna historia ya kutokulipa madeni ya mkopo wa afbona kama umekidhi vigezo.

Endelea kuomba mkopo ku

Je nahitaji kuwa na akauti bank ili kuweza kupata mkopo?
Hapana,huhitaji kuwa na akauti benki.

Je mkopo ntautumia kufanya nini?

Hilo ni juu yako ?ni fedha kwaajili ya matumizi yako binafsi au kununua bidha za biashara yako.

Naweza kupata mikopo mingapi?

Unaweza kupata mkopo mmoja tuu kwa wakati,lakini pindi utakapolipia deni lako hapo pao unaweza kupata mkopo mwengine, huenda ukapata kiasi kukubwa Zaidi ya mwanzo.

Kuna 10% ya ada kwa kianzio cha kupata mkopo na 0.5% riba kwa siku na hela yote itatolewa kwenye akaunti yako siku ya kulipia ikifika.

Je nahitaji kuingiza namba yangu ya siri ya Airtel Money ili kupata mkopo?

Ndio,hii ni kwa ajili ya kuthibitisha umeomba mkopo. Pin yako bado itaendelea kuwa siri na hakuna mtu yoyote atakayoweza kuiona.

Mkopo ni wa mda gani ?

Mikopo ni ya siku 7,14,21 na siku 28 na utalipia ada ndogo ambayo itategemea na mkopo upi umechagua.

Je muda wa malipo unaweza kuongezwa?

Ndiyo,muda unaweza kuongezwa. Hii itakuwa ni kwa ajili ya wateja wanaolipa vizuri na wanaochukua mkopo kwa mara ya pili au ya tatu na kuzingatia vigezo amabyo AFB ndio wamevipanga.

Nawezaje kukidhi vigezo vya kupata mkopo?

Tafadhali endelea kutumia laini yako ya Airtel na hakikisha unatumia huduma ya Airtel money na kila utakapo chukua mkopo hakikisha unalipa kwa wakati.

Je ntawezaje kulipa mkopo?

Weka pesa kwenye akaunti yako ya Airtel Money kabla ya tarehe ya kulipa na siku ya kulipia ikifika kiasi cha pesa unachodaiwa kitatolewa kwenye akauti yako.

Je kama nataka kulipia deni langu kabla siku ya kulipia haijafika?

Unaweza kulipia deni lako wakati wowote,hata kabla ya siku ya kulipia haijafika,chagua kulipia deni kwenye menyu ya Airtel Money,kiasi unachodaiwa utakiona kwenye menyu na utaweza kulipia au unaweza kulipa kwa kufanya malipo na kutumia jina la fumbo TIMIZA,tumia namba yako ya simu kama kumbukumbu rejea.

Je naweza kuchukua mkopo mwengine kabla sijalipia niliokuwa nao?

Unatakiwa kulipia deni lako kwanza kabla ya kuchukua mkopo mwengine.

Je lazima niwe nimejisajili kwenye Airtel money ili niweze kupata mkopo?

Ndio, utahitaji kutumia Airtel Money kupokea na kulipia mkopo wako.

Ntaangalia vipi kiasi cha deni ninachodaiwa?

Utapokea sms kukujulisha kiasi unachodaiwa.kama utaomba mkopo mwengine kabla hujalipia uliochukua mwanzo basi utpokea ujumbe kuambiwa kiasi unachodaiwa, au unaweza kupiga huduma kwa wateja kwa msaada Zaidi.

Hatua gani zitachukuliwa kwa wanaokyuka masharti ya kulipia mkopo kwa muda uliopangwa?
Mteja atatumiwa sms kukumbushwa siku na tarehe ya kulipa mkopo
Kama mteja hakulipa deni siku ya kulipia ikifika basi atapokea SMS ikimjulisha ongezeko la ada kama adhabu ya kutokulipia deni mda aliokubali

Kwa wateja amabao watakao pitiliza mda waliokubali kulipa deni licha ya kutumiwa sms nyingi za kukumbushwa na kufahamishwa umuhimu wa kulipia mkopo na bado hawakulipa basi taarifa zao zitawasilishwa katika taasisi za kisheria za kufatilia wadaiwa sugu. Hatua za kisheria zinachukuliwa na hatoweza kuchua mkopo wa aina yoyote nchini Tanzania.
 
nyantuzu said:
mkuu chige, hawa Airtel mikopo yao ipo vp,? ukitaka kukopa unafanyaje na ukikopeshwa hiyo laki5 unarudisha shng ngp (yaan interest shng/asilimia ngp?) na unarudisha kwa muda gan?
Click to expand...

English

How to start using
If it is your first time to use Airtel money change your OLD PIN. dial *150*60# choose 2 for English> choose 6 My account> choose 2 Change PIN> Enter Old Pin which is 1234> Enter New Pin which is a 4 digit. remember do not share your PIN with anyone else. Now you can enjoy using Airtel money services.

How to get Timiza

To get timiza loans simply dial *150*60 and choose timiza from the given menu, enter your airtel money pin, choose whether you want to take a lona,rpay it or know more about timiza, choose the loan amount you need, Choose in how many days you would like to repay the loan, confirm the loan, agree to the terms and conditions, wait for your loan to be confirmed and your loan amount will be instantly deposited in your Airtel money account.

Swahili

Kuanza Kutumia

Kama ni mara ya kwanza kutumia Airtel money. badili namba ya siri ya zamani piga*150*60# chagua 2 kwa lugha ya kiswahili > Chagua 6 akaunti yangu> chagua 2 badili namba ya siri> ingiza namba ya siri ya zamani ambayo 1234> ingiza namba ya siri mpya yenye tarakimu nne. Hakikisha humwambii mtu yeyote namba yako ya siri, sasa furahia huduma za Airtel money.

Kupata mkopo wa Timiza

Kupata mkopo wa timiza piga *150*60 na uchague timiza katika menu ,Ingiza namba ya siri ya airtel money, changua kama unataka kuomba mkopo,kulipia mkopo au kujua zaidi kuhusu timiza,chagua kiasi unachotaka kukopa, chagua kwa siku ngapi unataka kulipia mkopo,thibitisha kuchukua mkopo, kubali vigezo na masharti na kisha papo hapo utapokea sms ya kuthibitisha kupokea mkopo kwenye akauti yako ya Airtel money .
 
instagramboy said:
Mawazo yapo decision makers hawana mpango
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Decision makers hawana mpango coz' hawana cha kupoteza but financial institutions have something to loose so, nilitarajia hata wao wangejaribu ku-push! Wakati nazungumzia uwezekano wa kampuni za simu kutoa mikopo ilionekana ni kama jambo lisilowezekana... Airtel ndo hao, wamejaribu and am very certain, kama wamejipanga basi they can make it happen! Kwenye kampuni za simu, kuna royal and honest subscribers kama walivyo kwenye mabenki. Hawa royal and honest subscribers, kama ilivyo kwa wengine wote, huwa wana-face financial crisis from time to time... hawa ni soko la kuanzia kwa kampuni za simu na hili likifanikiwa (am certain linaweza kufanikiwa) itakuwa ni threat kubwa, kwanza kuanzia na micro-lending, and later even to SME lending.

Kuna mchangiaji mmoja amesema kwamba CRDB wameanzisha hiyo kitu, sina hakika na kama ni kweli sijui wanatumia utaratibu gani coz' hili linaweza kufanyika vizuri zaidi ikihusishwa na serikali.
 
Hawa airtel na wao ni wezi tuu na hii timiza yao nimejaribu kuifuatilia nikaona kuna dalili za wizi kwa mfano mtu unakopa au unalipa deni ili upate mkopo mkubwa zaidi lakini cha ajabu mara meseji za kuthibitisha kuwa umelipa na una qualify kwa mkopo mwingine hazifiki labda mpaka siku mbili na wakati mwingine ok kiufupi kwa mtazamo wangu kwa hii huduma hasara ni nyingi kuliko faida watakuja na wengine.
 
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