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Mkopo Tafadhali: upate riba 15%

Discussion in 'Matangazo madogo' started by GreenCity, Sep 21, 2012.

  1. GreenCity

    GreenCity JF-Expert Member

    #1
    Sep 21, 2012
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    Habari wana JF.
    Mimi ni kijana ninayeanza ujasiliamali, na hivi karibuni nimeanzisha biashara ya M-pesa na nafaka hapa Iringa. Napata wateja wengi sana kuliko uwezo wa mtaji wangu, nahitaji kujitanua zaidi. Hivyo naomba ushauri wa jinsi ya kupata Mkopo (toka kwa mtu binafsi au taasisi) wa haraka kuanzia laki mbili (200,000) kwa riba isiyozidi 15% kwa mwezi. Nina dhamana inayohamishika kama friji, computer, radio (disc changer), TV, n.K (kwa Iringa)
    pia nina eneo/nyumba (Mbeya).
     
  2. RR

    RR JF-Expert Member

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    Sep 22, 2012
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    Mkuu umekosa saccos ya kukupa mkopo? 15% kwa mwezi ni kubwa sana....
     
  3. King Kong III

    King Kong III JF-Expert Member

    #3
    Sep 22, 2012
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    Nikikupa laki 5 utarudisha rudisha vp? Kwa mwezi?
     
  4. Ndibalema

    Ndibalema JF-Expert Member

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    15% kwa mwezi. Kwa mwaka ni 180%. Ukikopa 1,000,000/- kama mkopo ni wa mwaka mmoja unatakiwa urudishe shilingi 2,800,000/- which is very very expensive.
     
  5. araway

    araway JF-Expert Member

    #5
    Sep 22, 2012
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    nenda pride utapata kwa masharti nafuu bila dhamana.
     
  6. zomba

    zomba JF-Expert Member

    #6
    Sep 22, 2012
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    "Unaweza kukopa fedha kwa ajili ya maskini yeyote kati yenu, kati ya watu wangu, hivyo ni lazima si kitendo dhidi yake kama walaji riba. Wala kuongeza juu yake faida yoyote" (Biblia, Kutoka 22:25)

    "Usichukue faida yoyote ya ndugu yako, ama ya pesa au chakula au kitu kingine chochote ikawa umechukua riba" (Biblia, Kumbukumbu la Torati 23:19)

    "Na kama mnawakopesha wale tu mnaotumaini watawalipeni, je, mtapata tuzo gani? Hata wenye dhambi huwakopesha wenye dhambi wenzao ili warudishiwe kima kilekile!". Biblia (Luka 06:34)

    "... faida na kuchukua riba - Je, ndo ataishi? Hapana, lazima wafe, lakini kwa sababu yeye kashiriki katika maovu hayo, atakuwa katika adhabu na kifo. damu yake atakuja juu yake ". (Biblia Ezekieli 18:13)

    Waislamu huchinja na kutoa Swadaqah ya kondoo mwanamke akijifungua. Hii pia imetajwa katika Biblia.

    "Na siku yake ya kujisafisha ikifika, ikiwa ni mvulana au binti, atachinja kondoo mwenye umri kwa sadaka ya kuteketezwa ... (Mambo ya Walawi 00:06 Biblia)
     
  7. GreenCity

    GreenCity JF-Expert Member

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    Sep 22, 2012
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    mkuu ukinipa laki 5, kwa mwezi nakupa riba 75,000. Kama upo tayari naomba uni PM.
     
  8. GreenCity

    GreenCity JF-Expert Member

    #8
    Sep 22, 2012
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    mkuu saccos nyingi nimeambiwa natakiwa niwe mwanachama kwanza! By the way naitaji si zaidi ya laki 5 na nitaitumia si zaidi ya miezi 3. Lengo ni kuwahi kununua mzigo kabla ya kuisha OCTOBER.
     
  9. GreenCity

    GreenCity JF-Expert Member

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    thanx mkuu! Ngoja nikawaone!
     
  10. GreenCity

    GreenCity JF-Expert Member

    #10
    Sep 22, 2012
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    mkuu saccos nyingi nimeambiwa natakiwa niwe mwanachama kwanza! By the way naitaji si zaidi ya laki 5 na nitaitumia si zaidi ya miezi 3. Lengo ni kuwahi kununua mzigo kabla ya kuisha OCTOBER.
     
  11. GreenCity

    GreenCity JF-Expert Member

    #11
    Sep 22, 2012
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    nawe Zomba nakushukuru pia! Ila hapa ni biashara zaidi mkuu, naogopa sana kutafsiri biblia ila kabla ya kufanya hili nilimwomba Mwenyezi Mungu aniongoze pia!
     
  12. King Kong III

    King Kong III JF-Expert Member

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    Sep 22, 2012
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    That means Capital+Interest(75,000/=) unarudisha kwa miezi mingapi?
     
  13. zomba

    zomba JF-Expert Member

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    Sep 22, 2012
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    Huna haja ya kutafsiri, ni Kiswahili hicho.
     
  14. Amoeba

    Amoeba JF-Expert Member

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    Sep 22, 2012
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    Mkuu, saidia huyu kijana...kopesha yeye bure tafadhali!
     
  15. zomba

    zomba JF-Expert Member

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  16. Dark City

    Dark City JF-Expert Member

    #16
    Sep 22, 2012
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    Ndugu GreenCity,

    Nakushauri uende FINCA. Hawa nao ni wazuri na wameenea karibia kila wilaya. Riba yao kwa mwenzi ni karibia 3%.

    Kwa hiyo laki 5 unayotaka, utalipa 15000 ambayo ni sawa na 75000 kwa miezi 3. Ila kwa kuwa unafanya marejesho kwa week, riba itapungua na unaweza kulipa kama 45000-50000!Nakutakia kila la heri,
     
    Last edited by a moderator: Jan 4, 2016
  17. GreenCity

    GreenCity JF-Expert Member

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    Sep 22, 2012
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    exactly! Nahitaji nitumie kwa miezi 2. Na ukitaka nikupe riba yako kila mwezi its OK, AU ukitaka nikupe the sum of it (total cost plus interest) at the end of the miezi 2, still its OK!
    Deal?
     
  18. GreenCity

    GreenCity JF-Expert Member

    #18
    Sep 22, 2012
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    bila shaka unazungumzia ule wa vikundi kaka! Sasa wanataka msipungue watu 5, na kama ni binafsi wanaitaji TIN na Leseni ya angalau mwaka 1 nyuma na dhamana ya biashara yako, N.K
    au wametofautiana mkoa na mkoa?
     
    Last edited by a moderator: Jan 4, 2016
  19. Dark City

    Dark City JF-Expert Member

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    Sep 22, 2012
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    Sina details zaidi kuhusu masharti yao kwa undani. Ila ukihitaji naweza kuwauliza jama wanaofanyakazi na FINCA.

    Hata hivyo, ni muhimu ujipange ili uweze kukidhi vigezo vyao.

    Kwa mfano, hitaji la TIN na leseni ya biashara ni muhimu ili wajiridhishe kwamba wanampa mkopo mfanyabiashara. Kama hauko level hiyo basi tafuta wenzio muunde kikundi. Vinginevyo, kila taasisi wana masharti yao na unatakiwa uyatimize kama kweli unataka kukopa pesa zao!!
     
  20. King Kong III

    King Kong III JF-Expert Member

    #20
    Sep 23, 2012
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    Ok mie nipo dsm mbezi huku collateral itakua nini sasa maana ninaweza kukutumia kwa M-PESA,ebu fanya mchakato wa collateral
     
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