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Matching Capital and business opportunities in Tanzania

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by kotinkarwak, Jan 12, 2011.

  1. k

    kotinkarwak JF-Expert Member

    #1
    Jan 12, 2011
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    Nimefuatilia topics nyingi hapa zinazotafuta maelezo zaidi kuhusu miradi ya kuwekeza nchini na pia kuwa ndio capital ipo miongoni mwa watu wengi ila tu labda business ideas bado hazijawa 'developed ya kutosha.
    Matukio mengine kama DECI yamesababisha watu kupoteza pesa zao walizowekeza kwenye hizi organs of investment

    Nafahamu pia kuna systems zingine za uwekezaji ambazo zimejitokeza in forms of SACCOS na huku pia watu wamehifadhi pesa zao nyingi tu. Nasema kuhifadhi nikimaanisha kuwa investments ya hizi pesa bado sina maelezo zaidi ni jinsi gani zina 'perform

    Ningependa wanJF wanaofahamu haya mambo zaidi watuelimishe. Cha msingi tunasikia tamko kuwa maendeleo yatatokana kwetu sisi wenyewe hence kuyapata hayo maendeleo inabidi tujue capacity ambayo tunaweza kuwa nayo in terms of financial capacity ndio hapo tutafahamu je, miradi ipi tunaweza kuigharamia wenyewe. Nasema kugharamia nikimaanisha the capital investments, labda ndio expetise itabidi itoke kwingineko lakini the capital base labda tunayo.


    Maswali niliyonayo kuhusu hii ni kama ifuatavyo.
    1). Kwa ujumla, SACCOS capital base ni kiasi gani.
    2). Ni investments vehicles zipi zina returns nzuri kwa mwekezaji
    3). DSE (Dar Stock Exchange) performance yake
    4). Sheria ya capital investment in Tanzania.
    5). Sheria ya Banking in Tanzania, je savings zina protection ipi? Mfano, Benki iki 'collapse, mteja amelindwa? na kama ni ndio, kwa kiasi gani na processes ni zipi zinatumika.
    6). Kuna elimu ya investments, ya ujasiriamali inapatikana?
    7). Financial Advisory sector ipo na inapatikana wapi? especially a private one ili ku'balance maelekezo mtu anayopata from the financial banking institutions.


    Nawakilisha discussion nikitanguliza kusema kuwa hii sio fani yangu, hence labda maswali zaidi yataendelezwa na wachangiaji wengine.
     
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    Prime Dynamics JF-Expert Member

    #2
    Jan 12, 2011
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    1: I think unatakiwa jua maana ya SACCOS kwanza bcoz naona kama unachanganya mambo. SACCOS is not owned by one person. Ni kikundi cha watu wenye dhamana ya kusaidiana kwa kwanzisha mfuko maalum wa kuweka na kukopa. For instance, ukiunda kikudni na wenzio then atajitokeza mtu mmoja mwenye toa asset to the bank husika ili kupata kiasi fulani cha fedha ambacho nicha kwanzia kulingana na dhamana iliowekwa benki. Therefore wanachama watatakiwa kutoa kiasi fulani cha pesa kwa kujuiunga. One to qualify has to deposit a certain amount of money set by the board members and after 3 months atapata 3 times ya kiasi alicho weka.
    To answer your question, SACCOS Capital base depends on the valuation of your asset to the bank which should be proportion to the amount you need.

    2: As you know vehicles are Liability assets. Inategemea ni aina gani ya biashara unayo taka au unayo jua. mfano, kama unajua utalii then wekeza kwenye magari ya kitalii bcoz returns zake ni nzuri. Kama unajua bishara ya kilimo then wekeza kwenye magari ya kusafirisha mizigo (i.e mazao). kama unafahamu wapi kuna demand ya transport then wekeza kwenye magari ya kusafirisha abiria in and out area husika. OR you can come with an idea of buying magari madogo ya tani 2 then nunua mafuta ya taa kauze in urban areas where huduma kama hiyo ni taabu.

    3: Performance ya DSE sio nzuri bcoz kampuni zinazo uza hisa ni zile zile kila siku.
    wananchi hawana elimu ya kutosha kuhusu DSE.

    4: visit website ya Tanzania Investment Bank

    5: Benki zote ziko chini ya Benki kuu ya Tanzania. Benki iki 'collapse wateja wake wanazipata through Benki kuu. By the way bear in mind that benki zote zina insurance. So pesa zako haziwezi potea.

    6: Elimu ya ujasiliamali inapatikana in business schools.

    7: you need to find a business consultant.
     
  3. k

    kotinkarwak JF-Expert Member

    #3
    Jan 12, 2011
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    Thanks Prime Dynamics
    On SACCOS Capital base nilimaanisha je kwa zote zilizosajiriwa ni kiasi gani cha pesa kimekuwa invested by the members. Invested to mean wameziweka kwenye mfuko huo wa pamoja.
    Nadhani SACCOS pia kwa definition yako kuwa utapata 3 times what you put in baada ya muda sio sahihi, au labda kuna SACCOS bado wanafanya mchezo wa panda:vuna. Ninachoamini ni kuwa its a banking of sorts ambapo mwanachama anaweza kukopa ili afanyie shughuli zake mwenyewe na baadae kuilipsa SACCOS yake. Naomba tuelimishwe kwani sasa ping ya kwanza tu watu wawili tunaielewa hii arranegment tofauti. DECI kilio chetu kisiwe kitaendelea siku za usoni kwenye hizi associations.


    On vehicle, nilimaanisha chombo kwenye usemi kwa mfano books are "vehicles of knowledge" na sio meaning literal ja vehicle. Hence hapa namaanisha, ni njia zipi zinazotumika kama investment opportunites, mifano building appartments, ukulima, shule. Samahani kama sikujieleza ipasavyo kwenye hili.

    Ahsante kwa pointing out kuwa DSE kampuni ni zile zile, na ninavyoelewa mimi, kampuni kuuza hisa mpya ni process ambayo inabidi ikaguliwe vizuri kujua value ya assets zake nk. DSE mauzo ya hisa on a daily basis is more kwenye upande wa hisa kubadirishwa mmiliki na sio on injection of capital to the said company per se, kwa hivyo real chances na opportunity of new money kuingia kwenye uwekezaji bado ni mgumu kidogo. Government bonds pia naamini zina masharti kama hayo na bei ya kuanzia sana sana huwa in millions kwa hizi certificates.

    Kuhusu insurance ya mabenki hiyo ni very good news provided kuwa pesa zitalipwa 100%. Unaesoma hii, tafadhali confirm next time utakapoitembelea benki yako isiwe kuwa securities zita'cover just a proportion ya pesa zako. mlioko kwenye mabenki tupeni shule tafadhali.

    Shukrani PD kwa contribution yako na maelezo endelevu.
     
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    Prime Dynamics JF-Expert Member

    #4
    Jan 12, 2011
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    Mkuu on SACCOS i meant 3 times is the maximum amount compared to what you deposited. Unajua katika Saccos huwezi tokea from nowhere ukakopa pesa. Kumbuka pesa unazo kopa ni za wananchi wenzako walizo deposit. Kile kiasi benki inacho wakopesa ni kama momentum. Therefore kila mmoja au wanachama lazima aweke kiasi fulani cha pesa kwenye mfuko huo wa saccos.
    Kuhusu mfuko wa pamoja. Kila saccos ina account yake as a result account haziingiliani kabisa.
     
  5. k

    kotinkarwak JF-Expert Member

    #5
    Jan 13, 2011
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    At this rate ya mikopo basi development progress itakuwa slow sana unless ones original deposit ni kiasi kikubwa.

    Nilichokuwa nauliza ni value ya SACCOS zote nchini, je inaweza kutimia in terms of Billions of USD au bado pesa madafu tu? Tukiondolea mbali vigezo vilivyopo hivi sasa kuwa atakaekopa lazima awe ni member, na labda awe amejiunga kwa muda fulani, Je projects ambazo ziko level ya uti wa mgongo wa economy kama vile Transport Networks (Barabara, Reli, Meli), Energy (TANESCO), Communication Networks (Simu (landline/Mobile), high cost investments in mining kama hizi SACCOS zinaweka kuingia ubia na serikali au mashirika binafsi.

    Katika threads nyingine figures kama $300Mil USD kwenye uwekezaji Barrick in Tanesco (300MW electricity productio), 70Billions TSH TTCL wanayoomba kuboresha kazi ndio kwa SACCOS moja itakuwa kazi kweli, lakini kwa ujumla kama modalities zipo vizuri nadhani mambo mengine tunaweza kutimiza wenyewe (AU NAJIDANGANYA?!)

    Kwa hiyo naangalia tu je capital ipo hapahapa au?
     
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    Prime Dynamics JF-Expert Member

    #6
    Jan 15, 2011
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    Mimi i think capital tunayo sisi wenyewe. Kwa upande wangu nadahani elimu ya shares ikitolewa kwa vikundi kama vya SACCOS na pia mashirika kama Tanesco na TTCL wauze shares kwa wananchi then kwanza kabisa SACCOS zitanyanyua au kuongeza kipato chao napia shirika husika kama Tanesco watapata mtaji wa kuendesha kampuni vyema. unajua shirika kama Tanesco kuna ukiritimba sana. shida yako wewe ni mradi kwao. wakiuza shares kwa wananchi mimi nadhani watafikia malengo kama sio ya kifisadi.
    Kuna Saccos zina mabilioni ya pesa they are capable of investing their money in other areas. I think ni elimu tu kidogo inatakiwa. Mitaji tunayo wenyewe mkuu.
     
  7. k

    kotinkarwak JF-Expert Member

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    Jan 15, 2011
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    Kuwekeza kwa mfano kwenye TANESCO through shares sidhani kama itasaidia kwani kama corruption ni kiasi hicho, basi hizo pesa wajanja watapata jinsi ya kuzikamua tu. The best options ni kama inawezekana, huo mtaji uwekwe kwenye kinu cha kufua umeme, na umeme huo kuuziwa TANESCO.
    Kwa hiyo hicho kinu kitakuwa Kampuni mfano wa IPTL(sic) ambao wanawauzia TANESCO umeme kwa makubaliano fulani (Please soma article iliyotumwa/comment na Safari_ni_Safari kwenye thread yenye title BBC inaonyesha jinsi kampuni hiyo inavyopata pesa utapeli nk)
    Hapo basi hizo SACCOS watakuwa na investment ambayo wateja wao watafaidika, since Mtanzania huyo huyo ndio atakaetumia umeme

    link mentioned is http://www.jamiiforums.com/business-and-economic-forum/102642-gharama-mpya-za-umeme-bbc-wamkaanga-kikwete.html
     
  8. f

    furahaeliud Member

    #8
    Jan 15, 2011
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    I think huyu jamaa anaandika research lakini sio kama anataka kuwekeza but anyway kwa faida wacha nimjibu japo kwa kifupi

    1. saccos ika katika category ya chini ya financial institution ambayo si zaidi ya 800m (BFIA i.e banking and financial institution act of Tanzania)

    2. Investment vehicles inayo lipa japo haija kuwa more sophisticated sana kwa soko letu ni real estate ninajumuisha viwanja na nyumba. Kuna mdau amementhion knowledge yaani utalii au usafirishaji nadhani ameshinwa kutofautisha kati ya biashara na uwekezaji

    3.DSE performance mbovu kwasababu wananchi pia hawana elimu na tena makampuni machache saana hata kwa kichwa unaweza kuyataja na pia return yake ni mbovuuuu sana biashara yeke mbovu sababu particiapbts ni wachahce sana

    4.Kuhusu sheria ya capital markets wacheki Tanzania investment centre kwa ushauri

    5. Benki zoote husimamiwa na benki kuu, kuna sheria za mabenki zinasimamia pia ukiachilia mbali bima mfano wa sheria ni Single borrower limit na kadhalika

    6. elimu ya ujasiliamali na finance kwa ujumla hakuna tafuta kwa akili yako ila kaka uko serious nitafute tuna firm yetu as financial consultants
     
  9. k

    kotinkarwak JF-Expert Member

    #9
    Jan 15, 2011
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    Thanks Furahaeliud,
    Sifanyi research, bali natoa maoni yangu kwenye haya mambo ya kibiashara na kujiuliza?!, ndio tukisikia invester anaingiza million 200USD tunashangilia sana wakati mapato (returns) sana sana zitapelekwa nje ya nchi. Hence najiuliza, ndio hizi pesa ni nyingi lakini tukijumuisha say hizi SACCOS au tukiwa na njia mbadala wa kuweza kukusanya pesa nyingi zaidi hizi shughuli hatuziwezi wenyewe?
    SHukrani kwa hiyo info ya limit for SACCOS @ 800M inasaidia kujua haya mambo...​
     
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    Prime Dynamics JF-Expert Member

    #10
    Jan 15, 2011
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    I think the better way is to learn from the investors bcoz there is noway you can invest and expect loss. we need to know what they know so that we can do better than them. Tunashindwa kazi bcoz ya umimi na maslahi mbele. Mfano, nilibahatika kupata sehemu Uganda nilivyo kuwa shule, kutokana na value ya pesa za Tanzania during that time niliweza kujenga hostel. Today i just go and collect money na kuleta huku nyumbani. So any investor will do that. Also kampuni kama TTCL they should learn from Vodacom.
     
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