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Msaada: Nini maana ya tresury bill (hati fungani)

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by MASEBUNA, Jul 20, 2012.

  1. M

    MASEBUNA JF-Expert Member

    #1
    Jul 20, 2012
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    Wadau nimejaribu kugoogle lakini bado sipati maana iliyo wazi na napata shida sana pale ambapo mtu anasema hati fungani zitakapo iva hati hizo huiva vipi? Tafadhali naomba kujuzwa.
     
  2. TUKUTUKU

    TUKUTUKU JF-Expert Member

    #2
    Jul 20, 2012
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    Hii ni mikataba ya muda mfupi(Isiyozidi mwaka mmoja) kati ya pande mbili, mara nyingi huwa kati ya serikali na mtu binafsi au shirika ambapo serikali hupewa fedha kiasi fulani na kuahidi kukirudisha kiasi hicho pamoja na riba kiasi fulani katika kipindi maalum kisichozidi mwaka mmoja.

    Kwa mfano serikali inaweza kuahidi kwamba itatoa shilingi mia moja na kumi katika kila shilingi mia moja iliyochukua kwa mtu binafsi au shirika fulani baada ya kipindi cha miezi mitatu, hapo ndiyo utamsikia mtu anasema hati fungani yangu imekaribia kuiva inapokaribia miezi mitatu kuisha.

    NB: Urefu wa mikataba hii utegemea na miundo ya serikali yaweza kuwa miezi mitatu, miezi sita, miezi tisa au mwaka mmoja. However, mkataba zaidi ya mwaka huitwa Government Bond.
     
  3. Kiresua

    Kiresua JF-Expert Member

    #3
    Jul 20, 2012
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    Asante mkuu kwa kutueleimisha

    thanks
     
  4. TUKUTUKU

    TUKUTUKU JF-Expert Member

    #4
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    Poa mkuu tupo pamoja!
     
  5. M

    MASEBUNA JF-Expert Member

    #5
    Jul 20, 2012
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    Nashukuru sana mkuu, kwahiyo mikataba hii ni ya kifedha PEKEE? na Je ni lazima iwe kati ya serekali na shirika (kampuni) au hata baina ya shirika(kampuni) na shirika(kampuni) na je ni sifa zipi ambazo shirika (kampuni) zinapaswa kuwanazo ili kupata hizo hati? niatshukuru kwa msaada.
     
  6. Anheuser

    Anheuser JF-Expert Member

    #6
    Jul 20, 2012
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    rakini nina swari nikuurizage, je ri serikari retu naro rina hizo bills au zetu hazina varyuu?
     
  7. TUKUTUKU

    TUKUTUKU JF-Expert Member

    #7
    Jul 20, 2012
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    .

    Ni kweli hii mikataba ni ya kifedha,lakini kwa upande wa baina ya nani na nani,hii si lazima iwe serikali na shirika,yaweza kuwa shirika na shirika.Lakini kwa uzoefu wa nchi yetu hakuna mikataba baina shirika na shirika au mtu binafsi na shirika.
    Hapa Tanzania ni baina ya Serikali na shirika au watu binafsi.Uzoefu katika nchi mbalimbali duniani zinaonyesha kuwa majina yaweza kubadilika kulingana na nani aliyezitoa,kwa mfano yaweza kuitwa muniscipal bills,au muniscipal bond kama imetolewa na Halmashauri ya mji au jiji.Kwa upande mwingine yaweza kuitwa corporate bills au corporate bonds kama imetolewa na shirika fulani.
    Kwa hapa Tanzania,treasury bill huuzwa kwa mnada katika benki kuu ya Tanzania,makampuni huzishindania ( On auction) na baadhi kuibuka washindi.Hii ni sawa na Majembe Auction wanavyofanya minada yao ( Huu ni mfano hai).
     
  8. TUKUTUKU

    TUKUTUKU JF-Expert Member

    #8
    Jul 20, 2012
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    Hukifuatilia vyanzo vya mapato vya serikali yetu,treasury bills na Government bonds ni mojawapo ya vyanzo vya mapato.Namna inavyotolewa ni kama nilivyoeleza kwenye bandiko langu namba 7.
     
  9. Anheuser

    Anheuser JF-Expert Member

    #9
    Jul 20, 2012
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    rakini hukiangaria vizuri nadhani hera hambayo humepewa huje hurudishage huwezi kusema ni "chanzo cha mapato," hiro ni deni! Ni hiro tu niritaka kurisema kwa reo reo.
     
  10. S

    SURUMA JF-Expert Member

    #10
    Jul 20, 2012
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    Asante sana mwana jamii kwa maelezo mazuri na CLEAR. Tunapoeleweshana hivi vitu muhimu inazidi kuonesha umuhimu wa JF katika maisha yetu.
     
  11. Kurunzi

    Kurunzi JF-Expert Member

    #11
    Jul 21, 2012
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    Nashukuru sana sana kwa ufafanuzi mzuri, wikend njema.
     
  12. TUKUTUKU

    TUKUTUKU JF-Expert Member

    #12
    Jul 21, 2012
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    Poa mkuu,na kwako pia!
     
  13. mtukichwa

    mtukichwa Member

    #13
    Jul 21, 2012
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    Nakushukuru mkuu kwa kunifuta ujinga
     
  14. mkandaboy

    mkandaboy JF-Expert Member

    #14
    Jul 21, 2012
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    Hebu please andika vizuri, unatuboa wenginge na hicho kiswahili chako...
     
  15. Anheuser

    Anheuser JF-Expert Member

    #15
    Jul 21, 2012
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    "Unatuboa" ndio Kiswahili gani? Lugha inaweza kukera lakini haiwezi kuwa "boring!" Lugha sio filamu ambayo inaweza kuwa "boring!"

    Pointi yangu hapa ni kumuonyesha mleta mada kwamba Kiswahili chake ni cha shamba, kibovu! Huwezi kueleza mambo ya treasury bills halafu Kiswahili hujui.
     
  16. Kurunzi

    Kurunzi JF-Expert Member

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    Jul 21, 2012
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    Ungekuwa na busara ungetoa maelekezo ya staha kumrekebisha na si maneno ya hovyo namna hiyo.
     
  17. kibai

    kibai JF-Expert Member

    #17
    Jul 21, 2012
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    Ukisikia Treasury Bills maana ni za serikali, from the national treasury, yaani hazina zikiratibiwa na benki kuu, pia zina kazi ya ku control mfumuko wa bei kwa kupunguza ama kuongeza fedha kwenye mzunguko. Makampuni kwa makampuni zina majina tofauti, kana mi benki utasikia Fixed deposits, au kamani taasisi inaweza toa REPO etc
     
  18. Anheuser

    Anheuser JF-Expert Member

    #18
    Jul 22, 2012
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    Mtu mzima mpaka leo hajui kuandika Kiswahili hata cha darasa la tatu huwezi kumrekebisha kwa njia za kawaida, niliamua kujadiliana nae kwa lugha ile ile aliyotumia yeye ili aone kwamba kuna walakini hapa, kumuonyesha kwamba Kiswahili chake ni ovyo, cha mtu ambae hajaenda shule!

    Utaandikaje maneno kama "shiringi... furani.... hukifuatilia..." halafu utupe lecture ya treasury bill na shule hujaenda?
     
  19. Z

    ZeMarcopolo JF-Expert Member

    #19
    Aug 7, 2012
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    Kwa nyongeza tu, hizi ununuzi wake huwa pia na magumashi. Unaweza kuwa na pesa lakini ukashindwa kupata. Ni njia nzuri sana ya investment ila ugumu wake ni jinsi ya kupata fursa ya kununua hizo hati. Kuna siku niliangalia majina ya waliofanikiwa kununua hizo hati nikakuta majority ni watanzania wenye asili ya kiasia a.k.a wahindi, inaonyesha jamii ya kibantu haiko active sana katika aspect hii!
     
  20. Chimbuvu

    Chimbuvu JF-Expert Member

    #20
    Aug 7, 2012
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    T/bill,bonds huwa zinatolewa na serikali kupitia central bank yake,,,,serikali inapokuwa na upungufu wa pesa ktk matumizi yake wanatoa ripoti hazina kuu kwamba tuna deficit ya eg. billion 50 this month ,xo hazina inatengeneza T/bills zenye value hiyo na kupeleka BOT,zikifika BOT zinaitwa government BONDS,,BOT huwa wanatangaza kuwa tarehe fulani kutakuwa na mnada wa bonds minimum ni milloni labda 40;Na maturity yake ni miaka lets say 5,na annual interest rate ni 15% per annum/year.sasa investor wenye uwezo ambapo huwa mara nyingi ni mabenki,makampuni,mutual funds hata nchi nyingine pia huwa wananunua thats why kwa nchi marekani unasikia 20% ya madeni yao inadaiwa na china.hii haimaanishi kuwa serikali ya marekani ilienda kuomba msaada china hapana,bali ilifata huu utaratibu na hawa chinese people wakanunua.na hii njia ndo inayotumika na serikali kupunguza ama kuongeza mzunguko wa fedha ktk nchi ama ukisikia kuprint pesa kwa serikali ndio hivyo,,hivyo basi kama mtahitaji maelezo zaidi kuhusiana na hii kitu mniambie
     
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