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Malipo ya cheki zaidi ya milioni kumi kufikia kikomo leo

Discussion in 'Habari na Hoja mchanganyiko' started by Mnhenwa Ndege, Feb 26, 2009.

  1. Mnhenwa Ndege

    Mnhenwa Ndege JF-Expert Member

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    Feb 26, 2009
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    Jamani kuanzi tarehe moja mwezi ujao, mtu yeyote yule ambaye atataka kumlipa mwenzake kiasi cha fedha cha zaidi ya milioni kumi (10,000,000) kwa kutumia cheki ya benki moja ili mlipwaji a-depositi benki nyengine (benki yake), haitawezekana tena.

    Mfano mwengine ni huu; Yani kama unamdai mtu hela kiasi cha zaidi ya milioni kumi (10,000,000) kisha huyo mtu akulipe kwa kutumia cheki basi wewe kataa maana ukiipeleka hiyo cheki katika benki yako itakataliwa. Lakini kama cheki ni chini ya milioni kumi haina tatizo.

    Hii ina maana kuwa Clearing House ya Benki Kuu ya Tanzania haikubali malipo binasfi ya cheki zinazo zidi milioni kumi. Badala yake kama unataka kumlipa mtu hela zaidi ya milioni kumi basi njia ni hizi zifuatayo;

    1. Mdumbukizie pesa kwenye akaunti yake kwa kuenda wewe binafsi au mwakilishi wako katika benki yake.
    2. Nenda katika benki yako kisha uiagize benki yako itume hela kwa mfumo wa TISS (Tanzania Interbank Settlement System)
    3. Mlipe taslimu (cash).

    UFAFANUZI
    1. Kama mtu amekupa cheki ya benki ambayo wewe pia una akaunti kwa jina hilo hilo lililoandikwa kwenye Cheki basi haina noma hataka kama imezidi milioni kumi italipwa tu ilimradi mlipaji awe na hela za kutosha kwenye akaunti husika.
    2. Malipo yote ya Cheki ya chini ya milioni kumi hatakuwa kama kawaida.
    3. Special Clearance ya zaidi ya milioni kumi itakuwa hakuna tena.
    4. Malipo yote ya Cheki za Serikali yatakuwa kama kawaida.

    Ikumbukwe kuwa ni malipo yale tu yanayohusisha benki mbili yani (bank to bank payments) ndio tunayoyaongelea.

    SOURCE: Pwani Raha
     
    Last edited: Feb 27, 2009
  2. BAK

    BAK JF-Expert Member

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    Je, ukipewa cheque mbili za milioni 5 bado kuna tatizo?
     
  3. Kuntakinte

    Kuntakinte JF-Expert Member

    #3
    Feb 27, 2009
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    Mkuu BAK hiyo imekaa sawa sanaaaaaaaaaaaa. Mkuu Mnhenwa tunaomba ufafanuzi wa hili kama unauwezo nalo
     
  4. Dark City

    Dark City JF-Expert Member

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    Lengo lake hasa ni nini? Naona kama tunarudi nyuma kwa kuhamasisha watu kulipana kashi. Kwa maoni yangu kulipana taslimu ni kitu kibaya katika mfumo wa mzunguko wa pesa kwa sababu unaweza kuzipeleka popote kirahisi. Ila kama ni cheki hata wachunguzi wakihitaji taarifa watazipata tu. Ndiyo maana baadhi ya Wahindi wako tayari kukaa na bidhaa zao dukani kuliko kuziuza kwa cheki.
     
  5. Mnhenwa Ndege

    Mnhenwa Ndege JF-Expert Member

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    Feb 27, 2009
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    Hiyo ni one of the loophole, cheki mbili zinaweza kukubalika pengine uzipileke mida tofauti. Labda cheki moja ya 7M nyingeni 3M, ama kama unavyosema 5M then nyengine ya 5M. Lengo la BoT hawajaliweza bayana ila binafsi nadhani ni kwa sababu wizi mwingi wa Cheki. Sasa kwa ku-discourage large amounts kupita clearing house basi wizi namna hiyo utapungua. Wao wanahamasisha wateja kutumia (TISS) maana humfikia mlengwa halisi kuliko cheki ambayo ni rahisi kuwa intervened na baadaye kutomfika mlengwa halisi.

    Wezi wa cheki hutumia akili nyingi na fedha nyingi pia, sasa ikiwa cheki itakuwa na amount kubwa basi haijalishi gharama watakazotumia. Ila kama Cheki ni ya milioni 9 tu basi dili hilo litakuwa sio poa yani kwa lugha nyingine (it doesnt worth the risk).

    Sasa basi ninavyoona mimi hii itakuwa na athari kubwa wafanyibiashara wengine. mfano kuna watu humlipa supplier kwa Cheki kama 40M huku kwenye benki hana hela, lakini anajuwa kuwa akipata ile bidhaa ataiuza ndani ya siku mbili kisha atapeleka hela benki ili Cheki ile ikifika ikute hela zimo. Hawa ni wafanyibiashara wa first moving goods kama vile mafata (fuel). wanafanya hivyo maana Cheki huchukuwa siku 4 za kazi ili ku-mature.
     
  6. G

    Gashle Senior Member

    #6
    Feb 27, 2009
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    Wandugu,

    Kuna masahihisho hapa inabidi tuyaweke wazi:

    .ni cheque yenye malipo zaidi ya Million 10 ndio hairuhusiwi, sio kama mmoja wetu alivyosema chini ya Million 10. Cheki ya Million 10 kamili inapokelewa lakini ya kuanzia TZS. 10,000,001. ndio inapigwa chini.

    .si kosa kulipa cheque kwa mtu mmoja zenye viwango tofauti ambavyo vinavuka Million 10, Mathalan, kutuma cheki tatu kwa Bwana Mukandala zenye thamani ya TZS. 7 Million, 8 Million, na 9 Million, zote zinapokelewa.

    .target ya Bot ni kuzuia "high value instruments" ambazo wanasema zina risk kubwa sana, hivyo tempering na cheque zenye thamani ndogo hata kama mhalifu akifanikiwa hasara inakuwa ndogo,

    . ule mfumo wa TISS uko faster zaidi na hauna risks kama za cheki, hivyo watu wanakuwa encouraged kuutumia,

    .pia bot wanapambana na kitu inaitwa "float" ambayo mabenki mengi yanaenjoy, wachumi wanaweza kusema float ni nini
     
  7. m

    mmaroroi JF-Expert Member

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    Feb 27, 2009
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    Ni vizuri kama njia hiyo ina nia nzuri na itasaidia wezi wa mtandao wa kibenki,hata hivyo kuwe na umakini katika utekelezaji kwani binadamu wanaweza kubuni mbinu nyingine kama ile ya EPA.
     
  8. Teamo

    Teamo JF-Expert Member

    #8
    Feb 27, 2009
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    Ni jambo jema tu!HASWA KWA SABABU ULIOITOA NDUGU GASHLE!ingawa ukiiliangalia hili swala kwa jicho la tatu,unaona kama TUKO NYUMA YA TECHNOLOJIA.sidhani kama hio sheria inaaply nchi zilizoendelea,au nipewe ufafanuzi zaid
     
  9. Elusive

    Elusive JF-Expert Member

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    Feb 27, 2009
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    Kazi itakuwepo hiyo TISS mpaka umweleweshe mwananchi wa kawaida afahamu au sihivyo kesho yake ataikimbia bank.
     
  10. S

    SkillsForever Member

    #10
    Feb 27, 2009
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    Nimeona nami tangazo bank zote...ngoja tuone athari zake hasa kwa wafanyabiashara...
     
  11. Mnhenwa Ndege

    Mnhenwa Ndege JF-Expert Member

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    Feb 27, 2009
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    Float ni Cheki ambazo hazija mature, sasa benki yengine huongeza muda wa cheki ku-mature ili mteja asiweze kuchukua hela kwa haraka alafu Benki ipate muda mrefu wakuzitumia Hela hizo. Yani Benki ikiwa na float nyingi inakuwa vizuri kwao, wanaweza kuzitumia hizo hela kulipia cheki za inward (Cheki ambazo wateja wabenki hiyo walizolipa watu).

    Benki kuwa na Float kubwa kunafanya akaunti ya benki husika ilioko BoT kuwa na hela nyingi. Akaunti ya Benki ikiwa haina hela huko BoT basi hukopa hela kutoka benki nyengine ili kulipia Cheki za inward kwa niaba ya wateja wao.
     
    Last edited: Feb 27, 2009
  12. K

    Kungurumweupe JF-Expert Member

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    Feb 27, 2009
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    Big problem!

    My business involves about 50 customers a day, each placing an order whose value ranges between 25 and 200million and they pay me either by a single current or postdated cheque from different local banks. So with this new system how are they going to do their business?! How safe is for them to physically carry and deposit this big ammount of cash from bank to bank?!

    Kwa mtaji huu majambazi tz hakika wanashangilia mchana kweupeee... na tutegemee maafa mengi ya kutisha!

    Mungu waepushe watz na kikombe hiki!
     
  13. G

    Gashle Senior Member

    #13
    Feb 27, 2009
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    Kungurumweupe,

    You have missed the point, payment thru TISS does not involve carrying physical cash, TISS stands for Tanzania Interbank Settlement System which all banks are connected to. Issue hapa ni wewe na wateja wako kuwa na bank accounts tu, the rest as they say ni rahisi kama kusukuma mlevi... of course with reasonable fees.
     
  14. K

    Kungurumweupe JF-Expert Member

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    Yes I missed the point! But I did it purposely because I wanted people to pay attention so that they get it clear!

    TISS is as good as what we use when we do our importations!
     
  15. Mwalimu

    Mwalimu JF-Expert Member

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    Good move... But I hope the banks are going to be well prepared to handle huge number of TISS transfer requests. Otherwise we'll end up with more complaints on delays and mistakes in posting entries, not to mention regular system failures...
     
  16. S

    Sebo Member

    #16
    Feb 27, 2009
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    Wakuu BAK na Kuntakinte,

    Kulipwa check mbili za Sh miluoni tano kila moja hakuna noma wala nini..
    Na nadhani wafanyabiashara wengi wa-resort kwenye hii alternative - yaani kugawa cheki katika vipandevipande ambavyo havizidi Sh mil 10 kila kimoja, although lengo la BoT ni kupromote matumizi ya njia za electronic katika malipo hapa nchini.
     
  17. omarilyas

    omarilyas JF-Expert Member

    #17
    Feb 27, 2009
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    Yote ni safi sana lakini hili la kulipana zaidi ya milioni 10 kwa fedha taslimu linaumiza kichwa. Naamini ile sheria ya MONEY LAUNDERING inasema vingine....

    Omarilyas
     
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