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Mikopo ya Ukodishaji Rasilimali (Financial Leasing)

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Sabode, Mar 27, 2009.

  1. Sabode

    Sabode Senior Member

    #1
    Mar 27, 2009
    Joined: Apr 11, 2008
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    Ndugu wanajamvi salaam.
    Baada ya kusikiliza na kusoma hotuba ya Rais wetu Mh JK. ya mwisho wa mwezi wa Januari nilivutiwa sana sa sehemu kama kichwa cha thread hii kinavyo someka.
    Kimsingi naona iwapo sheria hiyo itatekelezwa bila urasimu, rushwa na ufisadi basi maisha bora kwa kila mtz yatawezekana. Hivyo basi kwa sheria hiyo najipanga kuanzisha kampuni ya ujenzi wa nyumba bora za kuishi kwa bei nafuu na kuzikopesha kwa watz kupitia mabenki.
    Lakini kwa sasa sina taaluma yeyote kuhusiana na ujenzi ila lengo langu ni kununua taaluma hiyo kwa walio isomea, na kwa upande wangu naanza kusomea kudizaini nyumba kuanzia ndogondogo hadi za wastani ambazo ndo haswa naona zina hitajika zaidi.
    Sasa nimeliweka hili hapa ili wanajamvi mnipatie michango yenu ya mawazo nini nahitaji kwa upande wa taaluma na jambo lolote litakalofanikisha lengo langu.
    Aidha nataka kuanza kuandika biznes plan au project hii lakini pia sina utalamu wa kuandika hiyo. ktk hilo pia naomba mchango kutoka hapahapa jamvini.
    Kisha mnaionaje hiyo pamoja na sheria zingine mbili ambazo Mh Rais JK alizizungumzia katika hiyo hotuba?
    Karibuni tujadili suala hili kiundani ,Changamoto zake, faida, hasara, vikwazo nk.
    Wanajamvi KARIBUNI SASA
     
  2. N

    Nyauba JF-Expert Member

    #2
    Mar 27, 2009
    Joined: Jul 10, 2008
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    mkuu heshima..
    ni muhimu sana kuchambua sheria hizi kwa faida ya watz.. ni kweli sheria imepita kinachosubiriwa ni KANUNI za utekelezajiii wake..

    kwa watz wengi huenda kama ikitekelezwa vema ikawa mkombozi katika bishara kwa kupata vifaa badala ya kutegemea mikopo ya fedha tuu then ndo ukanunue vifaa..

    kuna instrument za kutekeleza hii sheria nasikia BOT na MOF ndo wanaandaa ila status sijajuaa...naomba kudokezwaa zaidiii..

    pia NAPENDA KUULIZA HUU NI UWEZESHAJI??? NA JEE NI NANI WA KUHAMASISHA UTUMIAJI WA SHERIA HII NA KUHIMIZA KUTOKA KWA HIZO KANUNI ILI TULIO WENGI TUFAIDIKEEEEEEEEEEEEEEE.....
     
  3. Sabode

    Sabode Senior Member

    #3
    Mar 27, 2009
    Joined: Apr 11, 2008
    Messages: 139
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    Nimekusoma mkuu.
    Kimsingi wa kuhamasishwa kutumia sheria hii ni sisi wananchi, wizara husika zinashughulikia kanuni zake nadhani na hao BOT, MOF nk. Binafsi naona kabisa kama ikifanya kazi ipasavyo kwa kweli watanzania tukope vifaa, ili tujenge wenyewe.
     
  4. Omutwale

    Omutwale JF-Expert Member

    #4
    Mar 27, 2009
    Joined: Feb 4, 2008
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    Sabode,
    Umeamsha issue muhimu sana.
    lakini nikukumbushe kitu kimoja miongoni mwa yanayowafanya Wa-TZ wa Afrika kwa ujumla tusiendelee, UTAFUTAJI WA MAARIFA MAPYA!

    Ukitaka kumfisha kitu mwafrika weka kitu hicho kwenye maandishi BASI! utakuwa umemmaliza kabisaaa! Nina hakika hata wabunge hawajuhi fursa iliyomo ndani ya kabrasha hili la Lease and Finance Act 2008

    Sheria imetungwa na kupitishwa kwa nia njema, lakini wananchi wetu walivyo si wa kuwekewa mpira kati wacheze bali ni watu wanaotaka kupewa penalti na golini kusiwe na golikipa. LAKINI BADO WANAWEZA KUPAISHA!!!

    Plz Sabode tuwasiliane, nitunie sms 0732993834 usiku
     
  5. Sabode

    Sabode Senior Member

    #5
    Mar 27, 2009
    Joined: Apr 11, 2008
    Messages: 139
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    Nimeku soma mazee tegemea sms yangu mida hiyo
     
  6. Sabode

    Sabode Senior Member

    #6
    Mar 27, 2009
    Joined: Apr 11, 2008
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    Jamani wazee.
    Mimi naona ka ndo mahali pa kutokea hapa labda waifanyie urasiiiiiiiiiiiimu. Vinginevyo mchango wangu kwa JF nitaupandisha kusapoti jamvi. Ila watalaam wa mabiz plan na maproject writeup hebu nipeni hint kabla hata ya kanunu hazija kamilika niwe tayaritayari.
    Nawasubiri watalaam Tafadhali nishushieni maujanja ya taaluma hiyo jamani.
     
  7. n

    newazz JF-Expert Member

    #7
    Mar 31, 2009
    Joined: Mar 28, 2009
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    Financial Leasing Si jambo jipya sana, alichofanya Mh. Rais, ni kuwafahamisha watanzania kwamba hicho kitu kipo , lakini kwa wengine kilikuwa kishaanza.

    Cha msingi kingine ni juu ya sheria , hivyo kwa kuifanya kuwa sheria ni kwamba washiriki wanapata nguvu ya kisheria kukamata mali ya yule aliyeshindwa kurudisha mkopo.

    Hata kabla ya kutangazwa financial Leasing na Mh. Rais, Scania ( T) ilikuwa inafanya leasing tayari, baadhi ya benki zilikuwa zinafanya leasing kwa maeneo ya magari na hata wale SERO LEASING, ambao wanajihusisha zaidi na leasing kwa akina mama.

    Angalizo hapa, ni kwamba, bado katika FINANCIAL LEASING watatumia msingi ule ule. Lazima uonyeshe kwamba upo kisheria katika eneo unalotaka kuomba hiyo leasing, Mfano, kama unataka contractors equipment, lazima utakuwa umekuwa registered na CRB, Unayo leseni n.k Au kama unaomba leasing ya catering equipment, lazima utaonyesha unayo leseni, eneo, ushajihusisha na catering na sasa unaomba uwezeshwe kwa vifaa zaidi.


    Hivyo basi , utagundua financial leasing inampa nafasi mtu au biashara ambayo tayari ilishaanza na anataka kuongeza uwezo zaidi. Kila lessor ( hizi benki ) watajiridhisha kwa vigezo vyao kwamba lessee (anayekopeshwa) ana uwezo kwa kuhudumia chombo na kupeleka marejesho benki.

    Financial Leasing inataka wajasiriamali ambao wameshajiandaa, kama ilivyokuwa kwa mikopo ya MABILIONI ya JK, waliofaidika au na fursa ile ni wale waliokuwa wamejipanga sawa sawa.

    Hivyo wajasiriamali wenzangu, tujiandae siku zote, ili fursa inapomwagika unakuwa unacho kisu tayari kukata nyama.
     
  8. M

    MzalendoHalisi JF-Expert Member

    #8
    Mar 31, 2009
    Joined: Jun 24, 2007
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    Omutwale,

    Tunaomba copy ya hiyo sheria ya 2008! Unayo?
     
  9. c

    chema Member

    #9
    Mar 31, 2009
    Joined: Jun 21, 2008
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    Jamani ktk kusaidiana kwahilo,naombeni wana jamii munisaidie ktk hili la business plan and project.Ikiwa nina US$10000/- naomba munifahamishe nimradi gani nifanye ili uwezekuninyanyua.Kwamchango wenu wamawazo nauzoefu -naomba unitumie kwa e-mail:abcally@gmail.com -asanteni.
     
  10. Sabode

    Sabode Senior Member

    #10
    Apr 1, 2009
    Joined: Apr 11, 2008
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    Mheshimiwa Chema.
    Inabidi katika hilo ueleze kuwa unapendelea nini zaidi maana ukipewa plan ya kitu ambacho wewe hukipendi sio rahisi kumkonvisi mwingine kukipenda na kukinunua.
    wakusaidie plan katika uwanja upi wa kibiashara ambao unaweza hata kukesha uki utafiti kwa kina na kubuni namna ya kuuza matunda yake?
    Nadhani anzia hapo mkuu.
     
  11. L

    Lifer Member

    #11
    Apr 22, 2009
    Joined: Jan 28, 2007
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    Here it is
     
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