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Mikopo bila Riba

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by KAUMZA, Sep 8, 2010.

  1. K

    KAUMZA JF-Expert Member

    #1
    Sep 8, 2010
    Joined: Aug 31, 2010
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    Wana JF, mimi mi mwanachama wa hii mifuko ya kusaidiana. Nadahan mnaifahamu, ipo karibu katika kila ofisi na hata miongoni mwa majirani. Katika mfuko wetu mtu akikopa hulazimika kulipa na riba ya 10%. Mathalan, akikopa 10,000 itampasa kulipa 11,000. Tunataka kuondoa suala la riba. tufanyaje???? kila mwezi tunatoa mchango wa tsh 5000
     
  2. payuka

    payuka JF-Expert Member

    #2
    Sep 8, 2010
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    Nawashauri Msiondoe riba....na nina sababu zangu kama ifuatavyo:
    1. kwanza kabisa ni suala zima la Time value of Money - Shilingi moja leo si sawa na shilingi moja kesho..... interest inasaidia ku-restore real value of money in the future
    2. pili: interest rate mnayotoza ni ndogo kulinganisha na interest iliyopo kwenye market ......ukienda kukopa Kwenye microfinance wataku-charge 25% - 30%
    3. Tatu: Interest itafanya umoja wenu uwe endelevu, kwa maana ya kwamba in the future mfuko utakuwa na pesa nyingi ya kuweza ku-absorb unforeseable losses endapo mmoja wenu atashuindwa kurejesha mkopo ( i.e. Interest + principal)
    4. Interest inaleta discipline kwa mkopaji, nikiwa na maanisha watu hawafikiri kuna ni kitu cha burebure ( Wa Tz wengi wanapenda vitu vya burebure)...Hivo mtu atajifikiria kwanza kabla ya kukopa ...na mwisho wa siku pesa zitawafikia wale wenye uhitaji wa ukweli
    5. Mwisho kabisa kwa kila jambo unalolifanya zingatia huu usemi wa wana-uchumi " there is no free lunch" kila kitu kina gharama yake ....either indirect or direct costs ( riba ni cost ya loan amount given)
     
  3. K

    KAUMZA JF-Expert Member

    #3
    Sep 8, 2010
    Joined: Aug 31, 2010
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    Nashukuru
     
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