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Msaada wa kibenki

Discussion in 'Habari na Hoja mchanganyiko' started by macho_mdiliko, Sep 30, 2009.

  1. macho_mdiliko

    macho_mdiliko JF-Expert Member

    #1
    Sep 30, 2009
    Joined: Mar 10, 2008
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    Magwiji wa JF aSalaam Alaykum!!
    Naomba mnieleweshe: Je mtu aliyepo nje -kwa mfano USA.. akaingiza fedha (eg: $ 4000) kwenye account ya bank ya mtu aliyepo Tanzania (eg CRDB), yule jamaa wa Tz atapewa US dollars au shilingi za Tz? Na kama atapewa Tz shs, ile exchange rate inaamuliwa na bank husika i.e. CRDB au ni nani?
    Natanguliza shukran zangu!
     
  2. Tiba

    Tiba JF-Expert Member

    #2
    Sep 30, 2009
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    Mkuu,

    Kama account inayopokea hizo hela ni ya dollar, basi pesa hizo zitaingia kwenye hiyo account kama dollar. Endapo account inayohusika ni Tshs. basi pesa hizo zitabadilishwa na kuingizwa kwenye account kama shillingi. Exchange rate inayotumika kubadirisha hizo dollar kuwa Tshs. inaamuliwa na benki kwani benki zinakuwa na exchange rate ya kila siku.

    Nafikiri nimetoa ufafanuzi sahihi lakini kama kuna member anafikiri maelezo yangu sio sahihi basi ataeleza.

    Tiba
     
  3. L

    Lampart Senior Member

    #3
    Oct 1, 2009
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    Nd. Tiba,
    Kutokana na vile ninavyojua mimi pamoja na uzowefu wangu, jibu lako ni sawa!
     
  4. Kaka Mkubwa

    Kaka Mkubwa Senior Member

    #4
    Oct 1, 2009
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    ni sawa kwa asilimia miamoja
     
  5. N

    NasDaz JF-Expert Member

    #5
    Oct 2, 2009
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    You are right, labda kwa lugha ya ushahii kabisa ni kwamba, exchange rate inaamuriwa na nguvu ya soko!!!
     
  6. B

    Bao3 JF-Expert Member

    #6
    Oct 2, 2009
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    Kwa kuongeza tu ni kwamba exchange rate itakayotumika ni ile itakayokua imeandikwa siku ile,nawe mteja utaambiwa kwamba utapewa kwa TSh.ngapi kwa kila dollar.
     
  7. NGULI

    NGULI JF-Expert Member

    #7
    Oct 2, 2009
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    Inategemea pia na amount kama ni kubwa lets say USD 100,000 + unarhusiwa ku jadili rate(special rate)itakayotumika for conversion
     
  8. N

    NasDaz JF-Expert Member

    #8
    Oct 2, 2009
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    Ni customer oriented decision, wengine wanakumiminia tu, and that is how is supposed to be coz' for that amt inaweza kuwa na impact kubwa sana in one of the part(banker/customer) !!!!
     
  9. M

    MgonjwaUkimwi JF-Expert Member

    #9
    Oct 2, 2009
    Joined: Mar 10, 2006
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    Labda kwa kukusahihisha zaidi, exchange rate haitaamuriwa na nguvu ya soko bali na benki husika Tz. Hapo ndipo benki ya Tz inapokuibia huku ukiona.

    Exchange inayoamuriwa na nguvu ya soko iko competitive na inabadirika kila sekunde, ndo maana kama ungepata in $$ Tz ungeweza kwenda kwenye maduka kadhaa yanayobadirisha fedha na ukapata rate tofuati.
     
  10. macho_mdiliko

    macho_mdiliko JF-Expert Member

    #10
    Oct 2, 2009
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    Wakuu nawashukuru kwa info zenu... Labda niongezee swali dogo... je, kama fedha zimeingia leo na nikaona exchange rate iko chini, je, naweza kusubiri mpaka exchange rate itakapokuwa nzuri ndio niende kuzichukua? (sina maana ya kukaa sana ... eg miezi mitatu... hapana... namaanisha a reasonable time eg one week)
     
  11. M

    MgonjwaUkimwi JF-Expert Member

    #11
    Oct 2, 2009
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    Inategemea na policy za benki husika Tz; policy ambazo mimi binafsi sizijui. Ila benki mara nyingi ni wajanja na wanajuwa kwamba "mara nyingi" thamani ya shiling dhidi ya U$ inaporomoka, na hivyo wata lock exchange rate ya siku ambayo fedha zako zimeingia, ili wafaidi appreciation ya U$ vis-a-vis T-sh.

    Kwa maana nyingine, wakati wewe unawavizia wao tayari wameshakupora! Kumbuka mara tu U$ zinavyowafikia tayari wewe wameshakuhesabia in T-shilling (assuming account yako ni ya T-sh).

    Kama haitoshi, hata kama account yako ni ya U$ wataku charge services charge in U$; charge ambayo wewe huna control nayo. Charge hii yaweza kuwa kubwa kuliko hasara ambayo ungeipata kutokana na punjo la exchange rate endapo account yako ingekuwa in T-sh.

    Benki ni wezi waliokubalika kisheria kututunzia fedha zetu.
     
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