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Mikopo kutoka benki

Discussion in 'Kilimo, Ufugaji na Uvuvi' started by wade adams, Jul 22, 2012.

  1. wade adams

    wade adams Senior Member

    #1
    Jul 22, 2012
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    Naomba ushauri labda sielewi vizuri somo. mimi nlidhani ili nipate mkopo niwe na businessplan,collateral, legal business, kuwa unalipa kodi, una business license etc. sasa kuna bank zingine zanakuambia hatawezi kukuongezea mkopo hadi mzunguko wako wa fedha uwe mzuri. ili mzunguko uwe mzuri inabidi kuwa na hela. sasa nipate wapi feha ina maana nikatafute fedha mahali pengine kwanza ndiyo niende benki hi. nini kinachotakiwa kianze biashara au mtaji.
     
  2. jamii01

    jamii01 JF-Expert Member

    #2
    Jul 22, 2012
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    Katika utoaji wa mikopo inategemea unataka mkopo wa namna gani,hiyo waliyokutaka bank statement ni kuweza kuona kama utaweza kusamimia pesa watakayokupa au la..ni wazi kuwa mkopo ulikuwa unauitaji ni mkopo mkubwa..

    Kabla ya kupewa mkopo lazima bank hiakikishe usalama wa hiyo pesa kuwa unapewa pesa kuongezea mtaji wa biashara,huwezi kupewa pesa nyingi wakati hauna uzoefu na biashara,ni wazi mkopo utakushinda kurudisha

    Shida siyo dhamana maana dhamana utimika kama soluhisho la mwisho pale unaposhidwa kurudisha mkopo na mabank mengi hayapendi kukunyang'anya mali yako kwani huwa ina athari za kibishara kulingana na ushindani wa mabank.(kukufirisi)

    Hivyo kama huna vitu wanavyoviitaji omba mkopo kulingana na uwezo wako au omba salary workers loan.

    Ukweli na uchukia mfumo wa utoaji wa mikopo kwa mabank ya Kitanzania.

    (inbox tupige story zaidi)
     
  3. jmushi1

    jmushi1 JF-Expert Member

    #3
    Jul 22, 2012
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    Bank statement maybe ni kutizama kama una kipato cha kutosha kulipa deni hilo kila mwezi or whatever the payment plan.
     
  4. bluetooth

    bluetooth JF-Expert Member

    #4
    Jul 22, 2012
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    "maybe" .... then why the loan while you can refinance your business with a good cash flow of your own bank account ... banks should think twice
     
  5. Scofied

    Scofied JF-Expert Member

    #5
    Jul 22, 2012
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    mkuu hivi mkopo wa kukuza biashara una mda gani wa kurudisha? ni mwaka tu au unaweza pia kuwa zaidi ya hapo?
     
  6. wade adams

    wade adams Senior Member

    #6
    Jul 22, 2012
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    hayo yote ni kweli lakini bank zetu ziko kukomoa zaidi kama huna jina kisiasa au huna mdomo mkubwa una lako wewe ni wa kudeposit tu, imagine una biashara mkononi na unataka fedha ili usiipoteze, sasa msaada wa pesa unapata wapi, kutoka benki bubu au kutembeza bakuli,, benki zetu hasa CRDB, NBC, NMB ZILITAKIWA zituasidie zitujenge uwezo sisi tusiokuwa na kimbilio, hatuaminiki NEITHER na bank of BARODA NOR CRDB. Basi ili tuaminike kuwepo na juhudi za maksudi za kutuelemsha kuhusu crediting siyo depositng na siri za ujasiriamali siyo kuuza na kununua tu. benki zetu zina matatizo ndiyo sababu kuna utitiri wa benki bubu saccos crediting companies nk
     
  7. BONGOLALA

    BONGOLALA JF-Expert Member

    #7
    Jul 22, 2012
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    Mkuu bank tanzania zipo kwa ajili ya matajiri sio kukuwezesha mlalahoi.RIBA labda uwe unauza bangi.maneno ya nyerere hayo
     
  8. chash

    chash JF-Expert Member

    #8
    Jul 23, 2012
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    yaani benki hazitaki start-ups.
     
  9. B

    Buntungwa JF-Expert Member

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    Jul 24, 2012
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    benk zetu azitujali sie wafanyabiashara wa kati ushauri wangu benk zipunguze riba kwa wakopaji
     
  10. b

    bdo JF-Expert Member

    #10
    Jul 24, 2012
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    Benki na taasisi nyingi za fedha huangalia mambo 5 kama base/kigezo cha kupata mkopo kwao, mambo haya wengine wanayaita 5Cs - yaani:
    1. character (integrity) - Tabia yako mkopaji hasa uaminifu, hapa ndio mambo barua za mtendaji wa
    kata,kijiji, mtaa, balozi, baba/mama mwenye nyumba, etc
    2. capacity (sufficient cash flow to service the obligation)- mzunguko wa fedha wa biashara
    yako,kwa siku,wiki,mwezi,mwaka unauza na kutumia kiasi gani? Naamini hapa ndio
    walitaka taarifa zako - waone mzunguko wako wa fedha unakuwa mzuri.

    3. capital (net worth)- mtaji wako wa biashara, hiki ni kiasi kamili ambacho biashara inamiliki na
    hakuna deni (kiasi unachodaiwa), kama ni duka inaweza kuwa mali za dukani,fedha taslimu, au mali
    zisizohamishika ila sehamu ya biashara yako - kwamba kama zitaondolewa katika mzunguko wa biashara
    basi biashara itayumba, kama ni biashara ya stationary - photocopy mashine,etc
    4. collateral (assets to secure the debt)- mali zisizohamishika, hizi zinaweza kuwa zinamilikiwa
    na biashara au ni zako unamiliki wewe.
    5. conditions (of the borrower and the overall economy)- hii ni hali ya biashara yako na hali ya
    uchumi unaozunguka biashara yako, vinalinganishwa na kiasi cha fedha unachotaka kukopa.

    kwa hio ndg, benki na taasisi za fedha zinatumia vigezo hivyo kuweza kukukopesha au kukataa, kwa kesi yako - inawezekana kabisa kuwa:
    1. hauweki fedha benki, ila kama inaweka basi si mara kwa mara, au ndio umefungua akaunti na kuomba
    mkopo.
    2. inawezekana biashara yako ina matumizi mengi
    3. Vyanzo vya mapato vya biashara yako havijatengamaa, yaani hauna mauzo mazuri

    nadhani kwa sasa vigezo hivi vinatosha wengine nao wataongezea, ila kumbuka siku zote benki zinaangalia usalama wa fedha zao
     
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