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Mkombozi Bank;Ni sahihi kutumia Mpemba ktk tangazo la biashara ?

Discussion in 'Habari na Hoja mchanganyiko' started by Ally Kombo, May 26, 2012.

  1. Ally Kombo

    Ally Kombo Verified User

    #1
    May 26, 2012
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    Kuna tangazo la biashara linaloelezea tawi lao jipya la Kariakoo, katika kuhamasisha wametumia dhana ya mpemba kufikisha ujumbe. Naamini hawakushauri vizuri, kwani hakuna mpemba ataweka pesa zake huko ! Kwani hawako tayari kutangaza vita na Mwenyezi Mungu na Mtume s.a.w
     
  2. Ndebile

    Ndebile JF-Expert Member

    #2
    May 26, 2012
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    Nilianza kuiona Kenya pale wakimbizi wa Somalia wanaoishi Kenya kudai kwamba ni usaliti kwa msomali kubadili dini na kutoka uislam na kuwa dini nyingine, kumbe hata wapemba wanaamini kila mpemba lazima awe muislam! 'Uelewa wa mtu unategemea ukubwa wa boksi alimofungiwa' mwanaJF mmoja alisema.
     
  3. ThinkPad

    ThinkPad JF-Expert Member

    #3
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    Jamani lakini tuache mambo ya kuambiwa tutumie akili zetu wenyewe hizi dini wakati mwengine unaweza kuingizwa changa la macho benk ni sehemu ya kutunzia pesa mtu ukimpa pesa atakuletea pungufu au ile ile au akuzidishie sasa hapo kibaya ni kipi hapo Mungu anausikaje na mambo ya pesa hizo ni taratibu sisi binadamu tunajifanyia wenyewe maana Akili tunayo.......

    mimi nadhani kibaya ni kuweka pesa benk alafu mtu mwingine akapata khasara hapo unaweza kuwa unatenda zambi vinginevyo labda utafute sayari yako ukakae hukoooooooooo mars.

    N:B yaani kuna vitu vingine kwenye dini ni mitihani tena mgumu sana...........................

    mfano ukisali lazima ugeukie Kibra haya wewe unaishi anga za juu za kimataifa huko space haya hautosali kisa hauwezi kugeukia kibra au utasali ukiwa umegeuka popote....mkifatisha haya mtapata presh buleeee Mungu anatufahamu sisi na chalange zetu hivyo usiumize kichwa wewe ALLY
     
  4. Ndahani

    Ndahani JF-Expert Member

    #4
    May 26, 2012
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    Unawasemea wapemba wote au unajisemea wewe mwenyewe? Dunia hii ilivyo, si vema sana kutumia neno sisi kama hakuna makubaliano miongoni mwenu.
     
  5. Janjaweed

    Janjaweed JF-Expert Member

    #5
    May 26, 2012
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    Ally Kombo ana laana ya ubaguzi, chuki, uchonganishi na hii yote ni frustration ya failure ya ndoto za maisha yake!!!

    Kila kukicha yuko bize kutafuta wapi achonganishe au avunje amani za watu............... kama kibela hataenda hiyo benki, basi tangazo lenyewe litakua limeshindwa kushawishi wapemba wajiunge, si lazima kila kitu kije na ushenzi wa kugombanisha watu tu kama mpuuzi ally kombo anavyolazimisha au kufikirisha akili yake
     
  6. Mama Mdogo

    Mama Mdogo JF-Expert Member

    #6
    May 26, 2012
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    Kumbuka kuwa biashara ni matangazo, na ni sahihi kabisa kumtumia Mpemba au mtu yeyote yule kushiriki kwenye tangazo mradi tu kama hilo tangazo litakidhi misingi kumi ya utangazaji ambayo ni:
    (1) Tangazo lazima liwavutliwasie / hike watu mapema tu linapoanza.
    (2) Liwe ni la ubunifu.
    (3) Litamka bayana kinachotakiwa, liwe wazi bila chenga chenga,
    (4) Liwe na uwazi kiasi kuwa mtu akilisikia / kuliona ajue mara moja maana yake.
    (5) Liwe na laowavuta watamaji / wasikilizaji.
    (6) Liwe linatoa ujumbe uliolengwa kutolewa.
    (7) Liwe bayana kuweza kukumbukwa.
    (8) Lionyesha haiba ya mtangazazji / mtoa tangazo.
    (9) Litaje faida cha kinachotangazwa.
    (10) Lifurahishe.

    Kwa hilo tangazo hili la benki naona mbona limetoshea sifa zote hizo hadi limekugusa, nakushauri na wewe ukawekefedha zako huko, haijalishi kama wewe ni mpemba au siyo, muislam au siyo, cha muhimu usalama wa pesa zako.

    .
     
  7. M

    Mabuya Member

    #7
    May 26, 2012
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    dah hajui wapo kina kibela wana hisa mkombozi bank sasa waweke wapi hela zao kama sio mkombozi bank walipowekeza
     
  8. BADILI TABIA

    BADILI TABIA JF-Expert Member

    #8
    May 26, 2012
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    udini unakutafuna .....
    Pole sana....
     
  9. Ally Kombo

    Ally Kombo Verified User

    #9
    May 26, 2012
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    nimejenga hoja kiweledi kwani hii ni fani ambayo naifahamu. Lakini kuna mijutu inatokwa povu kweli. Wengine wanatumia viungo vyote kujenga hoja zao !
    Ni hivi: Mkombozi ni Bank ya Wakatoliki na inatoza riba, ambayo ni dhambi kubwa kwa Waislaam. Majority ya wapemba ni Waislaam. Katika tafiti zilizofanywa, jamii ya Wapemba pamoja na Waislaam wengi kwa ujumla walikuwa hawaweki pesa Bank. Ndipo NBC, STANBIC, PBZ, KCB, na sasa AMANA BANK, zimeanzisha mfumo wa kifedha kwa kufuata nidhamu na taratibu za Kiislaam.
    Sasa kuna haja gani ya kupigia debe watu ambao hawapo ?
     
  10. Ndebile

    Ndebile JF-Expert Member

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    May 26, 2012
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    'acting is reacting' yalisemwa na Mr. Rango kwenye sinema ya Rango!
     
  11. m

    mzee wa njaa JF-Expert Member

    #11
    May 26, 2012
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    Ndio maana mnafeli mitihani kwa upuuzi mliojaa nao kichwani.
     
  12. Ally Kombo

    Ally Kombo Verified User

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    Dont Tango with Rango ! Nina copy mbili just in case ! Wooow !
     
  13. Ally Kombo

    Ally Kombo Verified User

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    Aliyefeli ni huyo anaejaribu kuuza ''Rozari'' Msikitini !
     
  14. Watu8

    Watu8 JF-Expert Member

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    May 26, 2012
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    Kaka Kombo heshima kwako mkuu taafadhali jaribu kupunguza post zinazohusu imani, najua JF ni jukwaa huru kwa kila mmoja wetu lakini sidhani kama inafaa tubishane juu ya imani zetu.
    Mkuu najua unautetea Uislam kwa kuwa u muislam na wakristo nao hufanya vivyo hivyo lakini mwisho wa siku watu huishia kutukanana na uelewa wetu wa imani hizi unaonekana unakua kama ni ubatili.
    Anyway pamoja sana kaka...
     
  15. F

    FJM JF-Expert Member

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    May 26, 2012
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    Kiongozi wangu, ally kombo, kwangu mimi ni sahihi kabisa kwa bank inayomilikiwa na dini moja kumtumia mtu wa dini nyingine kwenye matangazo kwa sababu wanatangaza huduma na sio 'imani'. Hata hivyo, Technically speaking Islamic banking haina tofauti sana na conventional banking, kwa sababu both 'Islamic na Conventional Banking share the same principle, that is to make money kupitia utoaji wa huduma za ki-bank.

    Islamic banking siyo charity, hawatoi huduma yoyote bila charges zozote. Wanatumia mfumo wa ku-share profit & loss lakini ukweli mambo ni yale yale - to make money! Tofauti ni kwamba maneno 'interest rates' are not explicitly mentioned anywhere when conducting whatever banking business. Kwa kifupi gharama zinakuwa tayari ndani hivyo mteja 'pyschologically' anaona hakuna interest rate, na kweli hakuna maana hawaitaji!

    Pia, hoja nyingine ya Islamic banking ni kwamba hawapokei hela inayotokana na pombe, kamari, ufisadi etc. Wanataka hela halali. Now, in practice how do you do that? Utajuaje hii hela imetokana na pombe na hii imetokana na halua? Na kwa nchi kama za Qartar, Dubai ambao wamewekeza kwenye stock market, wanawezaje ku-monitor uharamu na u-halal wa transactions once the money leaves the counter?

    Natambua na naheshimu maadili ya kiimani kwenye hili lakini pia siamini kuwa whole notion is that Godly becuase it isn't. Wateja wa hizi bank wanajulikana na njia zinatumika kupata hela tunaziona. Nyingine ni haram.
     
    Last edited by a moderator: Jan 4, 2016
  16. Ally Kombo

    Ally Kombo Verified User

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    May 26, 2012
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    Wewe unaongelea hii System kama Mtaalam wa hii fani au unajaribu kuonyesha kiasi unachoelewa kwa upeo wako. Usirahisishe fani za watu hivyo ! Watu wanakaa Darasani kuelimishwa kwa jambo hili kwa level zote, tokea Bachelor mpaka Phd. Jambo la Dini ni la Haki na Ukweli, kwani Mwenyezi Mungu ndie anaetangulizwa, sasa ujanja ujanja na kuficha ficha kunakuja vipi ! Kwa Mfano;Bank husika haikopeshi 'Cash' bali ni 'Vifaa' yaani kama una tenda ya kulisha chakula, unanunuliwa Mchele na Nyama. Inapiogwa hesabu ya cost na faida unayotegemea kupata, then net profit unapatana na Bank uatawapa Shs ngapi ? Ikitokea hasara, na Bank pia inabeba ! Sasa wewe unalinganisha na vitu gani !
    Bila kusahau kuna 'products' mbali mbali zenye masharito na taratibu tofauti.
    Kama hujui uliza !
     
    Last edited by a moderator: Jan 4, 2016
  17. Mkomamanga

    Mkomamanga JF-Expert Member

    #17
    May 26, 2012
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    Labda tumuulize mpemba aliyetumika kwenye tangazo hilo kama hahitaji benki hiyo ya Mkombozi...jamani jamani, kujifunga ndani ya box kesho ataibuka mwingine atasema tununue toka maduka ya wapemba tu na wengine tusinunue kwao, watu watakufa kwa njaa kwa kitu kilichopo na hakina uharamu wowote. Kwani kuweka pesa zako benki si faida yako mwenyewe?
     
  18. Mkomamanga

    Mkomamanga JF-Expert Member

    #18
    May 26, 2012
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    Naomba msaada kwa mwana JF mwenye ueledi, hivi MPEMBA ni kabila au sehemu? Maana katika orodha ya makabila ya Tz mi sijaona kabila la wapemba...lakini kama Pemba ni lokality kama tunavyosema watanzania sababu wanatoka tanzania au waMby sababu ya kutoka Mbeya, najua Pemba kuna kanisa na wachungaji na mapadre na waamini WAPEMBA wanakaa huko, je hata wao hawataruhusiwa kuweka pesa Mkombozi Benk? Hoja yaweza kuwa na maana kwa maana ya islamic banking lakini itakosa maana kwa maana ya udini na ukabila usiona maana.
     
  19. F

    FJM JF-Expert Member

    #19
    May 27, 2012
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    ally kombo, nimekusoma mkuu. Kwa bahati ninajua ninachokiongea maana nimepitia darasani. Hapo kwenye red ndipo pa kuanzia. Kumbuka kwenye post yangu nyingine nimesema Islamic Banking wanatumia mfumo wa ku-share profit & loss, I hope unaelewa hili maana sio techinical. Sasa turudi hapo kwenye red; unajuwa ni kwanini Islamic Banking haikopeshi 'CASH?

    Under Islamic banking ukitaka gari hawakupi cash, au ukitaka mkopo wa nyumba hawakupi cash, watanunua nyumba then wanapiga mahesabu na mnakubalina utalipa how much na kwa muda gani mtakaobaliana. Hivyo hayo makubaliano yanayofanyika between the bank and customer ni malipo ya hiyo nyumba (mortage) plus mgao wa faida (interest rate?). Kinachofanyika hapa ni kutotumia neno 'interest rate' lakini bado customer ana-incur cost, na ndio maana hapo kwenye blue bank wana-calculate before hand kujua faida ni kiasi gani ili mjadiliano marejesho yanayojumuisha mgao wa hiyo faida. Ni sawa na kusema bank wanakuwa 'partner' kwenye hiyo shughuli yako.

    Kwenye kijani, kama nilivyosema ni kwa sababu ni mfumo wa ku-share profif & losss. Lakini bank sio wajinga, they are not there to make whatever loss ili wagawane na wateja! Vinginevyo wasingekuwa kwenye market.

    Really, you have to seat down and analyse kwa makini ndio utaona ni jinsi gani hakuna tofauti. Kwa sababu mmoja (conventional banking) anakupa hela unalipia tenda yako lakini unarudisha mkopo plus interest rate (share ya profit). Huyu hataki kujua utapata faida au hasara kiasi gani. Take the money, do your thing but pay back with charges.

    Lakini mwingine (Islamic banking) anakuwa involved moja kwa moja kwenye tenda yako, anailipia, anafanya mahesabu kujua faida, then mnagawana. Na ungeniuliza binafsi, hapa ukopeshaji chini ya Islamic banking ni kwamba bank inakuwa na uhakika zaidi kuhusu hela zake maana wanakukopesha baada ya kujua profit/loss. Wanakuwa part of whatever walichokukupesha.

    Najua tunajadiliana mambo ya imani ambayo kusema kweli yanaweza kuwa very sensitive, lakini pia ni muhimu sote tukatambua maandiko ya vitabu vitakatifu either Quaran au bibilia vimeandikwa miaka mingi. Na wakati tunasoma inakuwa na maana zaidi kukumbuka context ya maandiko hayo kwa kutiliana maanani mazingira ya wakati huo. Kwa mfano, miaka 1,000 iliyopita, ni vigumu kumkopesha mtu usiyemfahamu, hujawahi kukutana naye, hujui anaishi wapi, huna uhakika anafanya nini. Katika mazingira kama haya, ukitumia taratibu za Islamic banking basi unakuwa kwenye nafasi nzuri zaidi ya kuhakikisha hela yako inarudi. Hata hizi conventional banking ukiangalia historia ya 'lending' huko nyuma mikopo ilikuwa under different set of rules. Science & technology imesaidia maana ni rahisi kwa bank kujua mteja anatoka wapi, anafanya nini na hata kufuatilia shughuli zake.
     
  20. Ally Kombo

    Ally Kombo Verified User

    #20
    May 27, 2012
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    Qur'an haijawahi kupitwa na wkati na haitapitwa na wakati, ndo maana Bank kubwa kama HBC inafuata mfumo wa Islamic Banking mfumo wa mika 1,600 !
    Kupitia "aya 2:275, na 2:278." Mwenyezi Mungu amekataza riba na ameruhusu bishara ! Sasa unaweza kueleza tofauti ya riba na bishara ?
     
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