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Mikopo ya Benki!

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by kisale, Mar 17, 2009.

  1. kisale

    kisale Senior Member

    #1
    Mar 17, 2009
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    napenda kwashirikisha wanajamii hili suala la mikopo kwenye mabenki yetu hapa Tanzania.siku hizi ukienda kuomba mkopo benki utapewa masharti kama tulivyozoea,ila kinachonikera ni tabia hii ya kuomba rushwa kwa hawa loan officcer ili uweze kupata hela unazotaka.Mtu una hati ya nyumba,mdhamini na biashara unayo,ukiomba mkopo wa 5milioni utaambia utoe shilindi laki tatu ili waprocess hiyo loan uliyoomba.Jamani kwa staili hii kweli tutapata maendeleo Tanzania?..mabenki kama NMB,na Access Bank ndio wamezidi kwa huo mchezo.
     
  2. Msaranga

    Msaranga JF-Expert Member

    #2
    Mar 17, 2009
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    kazi kwelikweli takukuru msikie hayo mambo mfuatilie lasivyo nchi inakwenda pabaya
     
  3. E

    Endaku's JF-Expert Member

    #3
    Mar 17, 2009
    Joined: May 25, 2007
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    Pole Kisale
    Lakini nakushauri uwe unafuatilia mabenk mbali mbali yalipo hapa TZ mengine mazuri interest rate compared to others iko vizuri ,ingawa ukilinganisha LIBOR bado zipo juu bank zetu zote ,try Twiga bank , Akiba , Standard na mengineyo you will find them good ! Kuhusu rushwa hiyo Kali .
     
  4. The Farmer

    The Farmer JF-Expert Member

    #4
    Mar 17, 2009
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    ukweli ni kuwa mabenki mengi sana ya Tanzania wamekuwa wakitoa masharti magumu sana ya kupata mikopo. na swala la rushwa lipo kama kawaida, bila ya kumpa chochote loan officer huwezi kupata huo mkopo.
     
  5. Alnadaby

    Alnadaby JF-Expert Member

    #5
    Mar 17, 2009
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    Mabenki ya hapa ni lazima kwanza ujuane na watu,kisha uwe tayari kutoa rushwa.Mimi nilikuwa nahitaji mkopo.nikaamua kuweka dhamana nyumba...na papo hapo nilikuwa na asimia 25 ya mkopo nilioukuwa nikiomba.washenzi walinikwamisha na sina hamu nao kabisa.Ukiona matangazo yao utadhani kweli kumbe wizi mtupu.
     
  6. k

    katoto Member

    #6
    Mar 17, 2009
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    Watu wanasema wanasiasa ndio mafisadi!


    Je hizi rushwa kwenye mabenki sio ufisadi??

    Tufanyeje ili watu wetu waupukane na kupenda vya bure bure, bila kutoa jasho!

    Kazi ipo?
     
  7. M

    Mkereme JF-Expert Member

    #7
    Mar 17, 2009
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    Thanks for this thread! Kinachokosekana hapa ni kwamba we need the REGULATOR kuamka that is The Bank of Tanzania should take the drivers seat in this way: Establish interest rates like what is done in the rest of the world and then go down the ladder to streamline loan structures(Standard). All banks should then precribe to the laid down structure. Kinachoendelea in our banks ni zaidi ya utapeli. You mortgage your property,have it comprehensively insured pay the premiums, pay all legal papers, on top of that have 25% of loan amount retained in the Bank on top of the collateral and start paying up the first installment on the second month of obtainining the loan. Unless you are a drug dealer,money launderer or got some chung from the EPA loose bucks you are to remain tied up until you die. Its only under Very special cases that you rarely get a grace period say a year or at least six months. The only way out is compliance by default the Bongo style kuweka rehani a ghost property by bribing the loan officer. Hili Ben NDULLU and all waliomtangulia wanalijua as the ABC of banking but wanaleta za kuleta. Paspokuwa na Refarii mchezo huwa mchafu na hakuna plain field. Let us set the rules before the game tuache kulalamika as nobody from heaven or hell is going to do it for us. Haya BOT mguu sawa chapa gwaride,Sitta pitisha sheria wadau msilale!
     
  8. A

    Audax JF-Expert Member

    #8
    Mar 17, 2009
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    Hapa naomba nieleze kidogo,mimi nilikopa crdb,lakini mimi ni mfanyakazi serikalini,ckuombwa hela yoyote zaidi ya 50,000 kwa ajili ya form ya mkopo na nilikopa 4Million, Sasa inapokuja kwenye watu wasio na kazi serikalini inakuwa ni kazi ,maana kwa upande wetu wao ndo walikuja kutuomba tukope na hivyo tukakopa pasipo usumbufu na matatizo yoyote.

    Wanachokisema ni kweli kwani kwa watu wengine rushwa wanaombwa kweli. Tunaiomba serikali itusaidie ktk hili,maana mtu akikopa lile ni deni,iweje leo tena wamuombe rushwa wakati kaishatoa na kutimiza masharti ya mkopo? Huu ni wizi ambao hauwezi kuvumiliwa kabisa!!
     
  9. bm21

    bm21 JF-Expert Member

    #9
    Mar 17, 2009
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    Kisale, inategemea hiyo laki 3 ya kuprocess mkopo unampa nani. Ninavyofahamu mimi takriban bank zote mwombaji wa mkopo anatakiwa kutoa loan processing fee normally huwa ni 0.1 - 1.5% inategemeana na aina ya mkopo. Mara nyingi pesa hii hutoi ila inakatwa mojakwa moja katika pesa/mkopo ulio omba. Tatizo hapa ni kama loan officers wanakuomba hiyo pesa nje ya utaratibu wa bank.
     
  10. NgomaNzito

    NgomaNzito JF-Expert Member

    #10
    Mar 17, 2009
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    Bm21 wewe hukumwelewa Kisale, Hii ni mikopo ya watu binafsi wanaohitaji mikopo kama masharti ya benki husika invyojieleza na sio mikopo kwa ajili ya wafanyakazi ambayo masharti yake kidogo ni mepesi yanayohitaji mwajiri wako akudhamini tu kwisha ushapata mkopo.
    Kashehe ni kwa watu binafsi hao loan officer watakwambia kalete sijui doc fulani ukiwaletea wanakuzungushaa kumbe shida yao ni rushwa tu wanaweza kukwambia uwaletee hata *****
     
  11. kisale

    kisale Senior Member

    #11
    Mar 17, 2009
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    bm21 nimekupata!ila kwenye masharti huambiwi hilo suala la kukatwa sijui asilimia ngapi,bali loan officer anakwambia ili upate huo mkopo mpe kiasi fulani cha hela then yeye atafanya mambo haraka haraka,na kweli ukimpa hiyo hela anayotaka ndani ya muda mfupi kila kitu kitakuwa okey..kwa mfano pale k'nyama Access bank utashangaa mtu akitoa hiyo rushwa wanayotaka na masharti ukatimiza ndani ya siku 7-10 umeshapata hela,usipotoa ndio nasikia benki manager anapewa taarifa umeshindwa kutimiza masharti kumbe sio..umasikini Tanzania hautaisha kwa namna hii..kibaya zaidi wakija hao loan officer kutembelea biashara yako na makazi unayoishi balaa tupu,utanunua vocha,chakula,na vinywaji na usafiri vyote juu yako.kwa staili hii tutakufa na umasikini wanajamii.
     
  12. M

    MaMkwe JF-Expert Member

    #12
    Mar 17, 2009
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    heri yako uliombwa, wengine wanaambiwa hela itawekwa kwenye account. Ukienda kuchungulia unakuta panga limepita badala ya milioni tano utakuta milioni nne na ushee. Ukifuatilia zinakuja hadith kibao.ada sijui ya huduma, nk. Fee ya nini wakati mkopo huo utalipwa pamoja na riba? Wizi mtupu !!!!!!!!!!!
     
  13. BelindaJacob

    BelindaJacob JF-Expert Member

    #13
    Mar 17, 2009
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    Yaani umesema kitu cha kweli ambacho kinatokea sana.
    Mwaka jana,rafiki yangu alienda Access bank pale makumbusho ili aombe mkopo wa shs. milioni 3/-. Mkaka fulani mfanyakazi wa Access bank kama afisa mikopo akaenda kukagua na biashara yake ili kutathmini thamani ya biashara na kiasi cha mkopo ambacho watampatia japo huyo rafiki yangu alitaka shilingi milioni 3/-. Akapewa hadi hati ya nyumba pia kama dhamana ya mkopo.

    Baada ya wiki 2 mkopo tayari ikabidi bibie akachukue,yaani huyo kaka(afisa mikopo) wa Access bank anapanga apewe shilingi ngapi kama asante wakati hapakuwa na makubaliano kabla ya kuandaa huo mkopo.

    Bibie akamkatia 100,000 ambayo afisa mikopo alitaka ila huku roho inamuuma kwasababu yeye mwenyewe anachukua mkopo wa kumwendeleza biashara zake halafu kila mwezi unalipia kidogo kidogo urudishe hela za watu.

    Hivi hata kama mtu kazi yako ni afisa mikopo,hivi hujui watu wanaochukua mikopo wengi wao wanakuwa na mipango mbalimbali muhimu juu ya hiyo mikopo ambayo inahitaji kutekelezwa. Kama umemfanyia mtu haraka kupata mkopo tegemea asante toka kwake siyo wewe ndo uamue upewe kiasi gani. Access Bank vijana wa mikopo punguzeni tamaa..
     
  14. Pakawa

    Pakawa JF-Expert Member

    #14
    Mar 17, 2009
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    Swala la mkopo bongo nadhani wanaotoa na wanaopokea mikopo wanakwepa misingi ya utoaji na upokeaji wa mikopo. hakuna kitu inaitwa processing fee ya nini wakati utalipa interest pengine kubwa tu katika huo mkopo.Mimi nadhani itolewe elimu kwa watu namna ya kukopa na nadhani ni jukumu la benki kuu kutoa elimu kama hiyo hata kwa njia ya television au magazeti watu wasiumizwe au kudhulumiwa na wafanyakazi katika benki hizo ambao wanajipatia utajiri kupitia migongo ya walala hoi. Mtu kama una account kwenye certain bank nadhani ni halali yako kukopa kama unatimiza masharti na isiwe masharti ya kuua mtu. Mara nyingi kupewa mkopo inaangalia zaidi kama wewe ni mwajiriwa na kama kazi yako iko secured, kiasi unacholipwa kwa mwezi au hata kwa mwaka. kwa wafanyabiashara ni lazima uonyeshe mapato yako kwa mwezi au mwaka na kama biashara yako iko stable kuweza kulipa mkopo unaokopa zaidi ya hilo sidhani kama kuna tatizo. Kikubwa ambacho ni cha msingi ni kama wewe ni raia wa Tanzania basi ni halali yako kukopa na kulipa. hakuna processing fee ya nini kuwajaza vitambi wakurugenzi wa mikopo huo.
     
  15. P

    Parachichi JF-Expert Member

    #15
    Mar 25, 2009
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    Wakuu heshima mbele!naomba nichangie hii mada imenifurahisha sana baada ya kusoma hii story hapa JF niliamua kujitoa muhanga ili ku-prove haya mambo ya mikopo ya benki za hapa bongo kwa wajasiriamali.Kwa kweli huu ni WIZI MTUPU!Story ilikua kama ifuatavyo.
    Mimi ni mfanyakazi wa Serikali,nilikua nahitaji mkopo wa milion kama 4 hivi ila benki ambayo nilienda kuomba huo mkopo sio ambayo mshahara wangu unapitia.Jamaa akaniambia ninayo security gani?nikamjibu nina gari ya mwaka 1999 ambayo insurance yake ni milion 8 na ntaiweka kama security.ok nika draft letter na pia nikamletea card ya gari na Cover note ya insurance.Loan officer akawa anaonyesha sura ya ki rushwa rushwa hivi mimi nikajifanya mjinga sitaki kuonyesha kama nadakisha.Siku ya tatu akanipigia akasema anaomba aione gari,nikampelekea akakagua documents zote akasema poa.Nimekaa akanipigia anataka barua yangu ya ajira ,nikampelekea,baada ya siku kama 5 hv akanipigia tena anataka benki statement aone jinsi mshahara ulivyokua unaingia kwenye hiyo account nikapeleka.Kilichoniacha hoi alianiambia tena nimpatie barua ya mwajiri wangu ambayo ataji commit kuwa huo mkopo ntaulipa!lol wandugu hizo si ndio symptopms za rushwa????nikachoka na mkopo wenyewe nika kancel manake nilitaka niongeze hela nikanunue kiwanja ,subir subir na kiwanja chenyewe kikauzwa!ndio maana mikopo ya mabenki bongo kama ni mdau wa kusoma soma Published accounts utaona Ratio ya Non performing loans ni kubwa mno.Yule anaehitaji mkopo na ana uhakika wa kurejesha hapewi kisa amegoma kutoa rushwa!!!!WIZI MTUPU
     
  16. s

    shorty Member

    #16
    Mar 25, 2009
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    MaMkwe sorry kama nitakuwa nimekukwaza..but i think your problem ni kutokusoma(kuielewa) mkataba..coz kwa uelewa wangu kwenye contract it must be stated all charges and fees that your to be charged by the bank.you should read the contract BEFORE signing and get clarifications.
     
  17. Mgombezi

    Mgombezi JF-Expert Member

    #17
    Mar 25, 2009
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    Lakini watanzania wengi tunayatengeneza haya mazingira ya rushwa pale tunapohitaji njia za mkato badala ya kufuata taratibu zilizowekwa kwa hiyi tunawashawishi watendaji kutaka rushwa. Tuepuke hizi kauli za kuwaambia watendaji "FANYA MAARIFA".
     
  18. kisale

    kisale Senior Member

    #18
    Mar 25, 2009
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    Tatizo sio contract coz hata amri za Mungu zimeandikwa na hazifuatwi vile vile!soma masharti na vigezo vyao vyote na vitimize,then usitoe hiyo rushwa.utaishia kusumbuliwa mpaka utakata tamaa,na kama utapata ndio ulikuwa unataka milioni 5,utaambiwa unaweza kupata 1 pekee.wale loan officer usipowapa hiyo hongo wanayoitaka hawatafikisha taarifa za kweli kwa benki manager ili usiqualify,na benki manager hana muda wa kutosha kumfuatilia mtu mmoja mmoja kugundua huo uozo,halafu hata wanaogundua hawafanyi kitu kwa sababu nao walipita humo humo na wanaelewa vizuri huo mchezo wakipuuzi!
     
  19. BabaDesi

    BabaDesi JF-Expert Member

    #19
    Mar 25, 2009
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    Mkuu, Mokiwa heshima yako. Umeishawahi kuomba mkopo kwa taratibu zilizowekwa na ukafanikiwa kupata? Pongezi. Kama umesoma mabandiko ya wengi waliochangia hapa, wote wamejaribu kuomba mkopo kwa taratibu zilizowekwa na matokeo yake? wameishia kuacha mikopo yenyewe kutokana na usumbufu. Sio wateja wanaoanza kuweka loophole za rushwa. hakuna anayependa kutoa hela yake ya mkopo ovyo. Ni hawa hawa maofisa wa mikopo ndio wanaokuweka katika hali ya kuona kuwa ni lazima utoe rushwa ili kupata mkopo! Nadhani ingekuwa vyema tukaanza kuwataja kwa majina, hasa hao wa AccessBank iliyotajwa sana hapa. labda itasaidia....!
     
  20. R

    Renegade JF-Expert Member

    #20
    Mar 25, 2009
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    Ulipewa risiti ya hiyo shs 50000/-?kama ukupewa umeliwa[​IMG] fomu ni bure CRDB,wizi mtupu! wanatulipisha shs 30000/- kama legal fee kwa mwanasheria wao wenyewe ambaye wanadili naye,kama una mwanasheria wa kwako wa bure ruksa.Katika organisation yangu wengi wanamlalamikia kwa yule loan officer ambaye yupo responsible na sisi anapenda rushwa sana, ni pale H/House.
    Kwani wengine si wamo humu, waambiwe ili waache hako kamchezo ka rushwa.
     
    Last edited: Mar 25, 2009
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