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Makampuni ya Simu ni Mabenki?

Discussion in 'Jukwaa la Sheria (The Law Forum)' started by Mzee Mwanakijiji, Jan 27, 2011.

  1. Mzee Mwanakijiji

    Mzee Mwanakijiji Platinum Member

    #1
    Jan 27, 2011
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    Makampuni ya simu yanapofanya kazi za Kibenki yanasimamiwa na sheria gani? Yaani, yanapotumika kununua vitu, kubadilisha, kuhifadhi na kuhamisha fedha yanaongozwa na sheria gani. Je yanaweza kutoza riba katika fedha ambazo ziko mikononi mwao? Je sheria ya anti-money laundering inawagusa vipi?
     
  2. Utingo

    Utingo JF-Expert Member

    #2
    Jan 27, 2011
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    hapo ndipo ninachoka na nchi zetu za EA. The big questions is who are the major share holders of these phone companies? utakuta some if not majority wana tuhuma au connection za kifisadi with power in our political structures. Je, haiwezekani kuwa wameanzisha mifumo hii ili kusafisha pesa zao chafu?
     
  3. Nguruvi3

    Nguruvi3 Platinum Member

    #3
    Jan 27, 2011
    Joined: Jun 21, 2010
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    Sina uhakika na sheria inayowabana, kuwaongoza ama kutokuwepo. Nina uhakika na jambo moja , nalo ni kuwa makampuni haya yanatoa ''rushwa ya kisayansi'' kuwaziba midomo waliopewa majukumu. Mfano, Unapomteua waziri mkuu mstaafu, au waziri kuwa mwenyekiti wa bodi maana yake ninini? Kampuni inapotoa ajira kwa watoto wa vigogo wenye ushawishi serikalini maana yake ni nini.? Tutarajie nini iwapo gavana wa benki mstaafu ndiye mwenyekiti wa bodi. Haiwezekani katika serikali yote hakuna asiyejua sheria, tatizo ni kwamba nani amfunge paka kengele endapo kuna makosa?
    Hapa ndipo tunarudi kule kule yakuwa, tunahitaji katiba. Katiba itakayowapa viongozi uhuru wa kulitumikia taifa, kuwaongoz, kuwawajibisha na kuwahukumu ikibidi.
    Hebu tujiulize ni sheria gani inayowapa haki ''western Union Tanzania'' kupokea fedha za kigeni na kuzibadilisha kwa viwango vyao, lakini sheria hiyo hiyo inawakataza kumruhusu mtanzania kutuma pesa nje? mbona kwingine duniani si hivyo? Je viongozi hawajui hili!!!
     
  4. G

    Gad ONEYA JF-Expert Member

    #4
    Jan 27, 2011
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    Kwa maana halisi ya benki kama benki tuna weza kusema hapana, lakini makampuni haya yamekuwa yakifanya kazi za kusafirisha/ kuhamisha na wakati mwingine kuwka amana fedha kwa hizi njia za simu kama m-pesa, tigo pesa, z-pesa, na Zap! Kuhusu sheria inayoruhusu shughuli hii, hapao ni vurugu tupu. Ukichunguza kenye NPS(national payment systems) ya BOT huwezi kukuta sheria inayo regulate moja kwa moja transactions za hawa jamaa na hapo ndio mtu anashindwa kujua ni yupi kati TCRA na BoT ambaye anawajibika kujua usalama wa kazi za makampuni haya simu kuhusu mtiririko wa transaction za wateja, je pesa hizo ni safi, salama au vinginevyo?
    Kuna kisa kimoja ambacho probably ndo kilikuwa cha kwanza kwa mfumo huu kuhamisha pesa kwa njia ya simu nchini DRC ambapo mama mmoja alikiri kuhonga polisi na idara ya madawa ya kulevya accross nchi nzima huku yeye akiwa amejificha!
     
  5. Husninyo

    Husninyo JF-Expert Member

    #5
    Jan 29, 2011
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    Kiukweli yamerahisisha transactions kwa kiasi fulani ingawa usalama wa pesa kwa namna moja au nyingine ni mdogo.
    Pia inaboa pale unapoenda kuchukua halafu wakala anakwambia usubiri subiri watu waende kuweka ndio itimie pesa unayotaka upewe.
    Hawa mawakala kwakweli kama hawajiwezi vya kutosha waache hiyo kazi.
    Ni risk sana kama unataka kwenda kudeposit hela nyingi, wakala yupo kichochoroni, ofisi haina hata mgambo. Lol!
     
  6. tama

    tama JF-Expert Member

    #6
    Jan 29, 2011
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    Kuhusu sheria yeyeto juu yaosidhani kama ipo.Imerahisisha utumaji wa pesa,ila huduma zao bado zinahitaji marekebisho.
     
  7. LordJustice1

    LordJustice1 JF-Expert Member

    #7
    Jan 29, 2011
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    Makampuni ya Simu ni Financial Institutions kwa hiyo yanakuwa governed na Banking and Financial Institutions Act, 2006, No. 5 of 2006. Definition ya "Financial Institution" ni hii hapa: “financial institution” means an entity engaged in the business of banking, but limited as to size, locations served, or permitted activities, as prescribed by the Bank (ie BOT) or required by the terms and conditions of its licence.
    Katika Definition hiyo hapo juu tunaona kwamba Makampuni ya Simu lazima yapewe leseni na BOT ili kufanya shughuli za kibenki, terms and conditions applies!
     
  8. VoiceOfReason

    VoiceOfReason JF-Expert Member

    #8
    Jan 29, 2011
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    Mkuu ninavyokujua huwa huulizi swali bila sababu...., hapo kwenye bold.. do you know something we dont?

    As far as I know that is a Crime and does not matter who is doing it, politician, drug dealer au muuza maandazi...., so if this people are implicated then they are answearable.
     
  9. LordJustice1

    LordJustice1 JF-Expert Member

    #9
    Jan 29, 2011
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    Hata mimi nafikiria hivyo, may be MKJJ knows much better than this!!
     
  10. VoiceOfReason

    VoiceOfReason JF-Expert Member

    #10
    Jan 30, 2011
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    Mkuu mbona umetuacha njia panda....? :twitch:
     
  11. Mohammed Shossi

    Mohammed Shossi Verified User

    #11
    Jan 30, 2011
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    Kwani makampuni binafsi ya ulinzi yanasimamiwa na sheria gani? ilhali sheria ina sema Polisi ndio wenye jukumu la kulinda usalama wa raia na mali zao? Usihangaike kufata sheria mkuu hii ni Africa shamba la bibi.............
     
  12. D

    Derimto JF-Expert Member

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    Jan 30, 2011
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    We are mcn.something here kwani tunaona woga kufuata sheria na taratibu kweli!!!? Hivi kama kuanzisha huduma yoyote ya mambo ya kifedha kuna masharti chungu nzima iweje hawa jamaa wanaendesha kirahisi sana na hata kufikia malengo ya mafisadi na ndiyo maana wanachukua rushwa ndogondogo hupenda sana huduma hii. Na kama tunaona ni lazima kuwa na huuduma hii basi ziwekwe taratibu za udhibiti wa BoT na serikali kwa ujumla na siyo kuiga tu.
     
  13. drphone

    drphone JF-Expert Member

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    Feb 2, 2011
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    sijui mengi juu ya hili ila ninachojua lazima wawe wameruhusiwa na bot maana kama deci walikuwa na usajili wao ni lazima na hawa wapewe kibali na bot
     
  14. makandokando

    makandokando JF-Expert Member

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    Feb 2, 2011
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    MMKJJ kama unaswali zaidi uliza, ila naona baadhi ya majibu hapo juu yanatosheleza. Sasa labda utuambie kama kuna jambo ambalo linaambatana na swali lako baada ya kupewa majibu. tulongeee.
     
  15. Ndachuwa

    Ndachuwa JF-Expert Member

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    Feb 2, 2011
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    Nafikiri kama zilivyo Bureau De Change, hii biashara ya kusafirisha pesa "M-Pesa n.k" inatakiwa iwe regulated na BoT na ikiwezekana waweke Security Deposit bank kuu ili kama pesa za wateja zikipotea njia kuwepo na sehemu ya kudai fidia.
     
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