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Msaada wa kupata mkopo wa biashara.

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by raia tz, Dec 8, 2011.

  1. raia tz

    raia tz Member

    #1
    Dec 8, 2011
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    Wana jf habari,mimi ni kijana mwanafunzi wa chuo,nina ideas za ujasiriamali ila nakwama mtaji,naplan kutumia boom ili kuanzisha biashara yangu,ila problem ni kuwa mtaji huwa haufiki kwani napungukiwa kiasi,ntapata wapi msaada wa mkopo kwa ajili ya kufanya biashara.dhamana yangu yaweza kuwa laptop yangu au account yangu kwa kuwa boom linapitishwa huko.naomba msaada wenu.nawasilisha.
     
  2. Ruhazwe JR

    Ruhazwe JR JF-Expert Member

    #2
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    mkuu anza kwanza biashara,na si lazima uanze na ili unayo ifikilia angali biashara ndogo ambayo itaendana na kipato ulichonacho kwa sasa.lakini biashara ikianza fungua bank a/c ambayo umepanga kuchukua mkopo,jitaidi kila siku uwe unaweka mauzo yanayopatikana. Akauti ifanye kazi kwa muda kama wa mwezi sita kisha omba mkopo
     
  3. Chasha Poultry Farm

    Chasha Poultry Farm Verified User

    #3
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    mkuu ungetuambia ni biashara ya aina gani hiyo na nikiasi gani unapungukiwa, watu wangeweza kukushauri, hii ya kusema tu nimepungukiwa ina kuwa ngumu watu kukushauri.

    - vilevile na kupa hongera kwa kuamua kutumia boom yako kuanzisha biashara, wakati wenzako wanaitumia kupondea raha wewe umeona ni bora uinvest, vizuri sana mkuu.

    - hilo la business pamoja na kutokutuambia aina ya business unayo anzisha, jaribu kwanza kuanza na mtaji ulionao wewe, onyesha njia, usiseme tu umepungukiwa wakati hata kuanza jaujaanza. Mfano mtu nasema nataka kujenga nyumba ila nimepungukiwa fedha wakati hata msingi hajachimba kuonyesha kwamba ana nia dhabiti
     
  4. raia tz

    raia tz Member

    #4
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    Asanteni wakuu kwa kunipa moyo,ni uwekezani wa mwaka mzima nimeufanya,katika kila boom la 365000,nilikuwa najinyima save 150000 kwenye fixed account,kwa installment nne,za boom nimesave 600000 hadi mwisho wa mwaka huu,ukiongeza na source zangu nyingine nina 800000,sasa ntaka kununua bodaboda cause hainihitaji kuwa pale hivyo naweza endelea na masomo huku na earn.
    -now challenge ndugu zangu ni wapi ntapata mkopo wa 500000 ili iwe 1300000,ninunue bodaboda,na nina laptop nnayoweza fanya kama dhamana. Naomba mawazo yenu watz wenzangu
     
  5. JJ Masselo

    JJ Masselo Member

    #5
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    Je, umefanya kwanza utafiti wa hiyo boda boda ndugu? umejua ni Risk kiasi gani ipo katika biashara hiyo? kama jibu ni ndiyo nakutakia mafanikio mema ndugu.:poa
     
  6. raia tz

    raia tz Member

    #6
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    kwa case ya utafiti nimejitahidi ndugu,nimejua mapato yangu kwa wiki ambayo ni 50000,Nimefanikiwa kupata mtu ninayemjua sana hivyo kupunguza risk ya kuibiwa na kupata hesabu yangu,nimefuatilia bima kubwa comprehensive ambayo ntalipa 100000 kwa mwaka,nimejua wajibu wangu kama mmiliki,na wajibu wa m/kazi.kimsingi nimespend resources na energy kwenye hii insue. So mnastuck kuongeza mtaji kaka
     
  7. Entrepreneur

    Entrepreneur JF-Expert Member

    #7
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    Mkuu hongera sana, go for it, hakika utafanikiwa; kwa kuwa unataka kununua pikipiki basi una nafasi ya kutumia finance leasing (hii ni product ambayo unatumia asset utakayoinunua kama dhamana). Taasisi nyingi za kifedha zinatoa huduma hii, kwa hiyo jaribu kuzungukia taasisi tofauti ili kulinganisha riba zao. Mbali na hapo unaweza kuongea na ICB (International Commercial Bank) kama upo mkoa wa Dar es Salaam (sina uhakika kama wapo mikoani). Kuna kipindi walikuwa wanatoa mkopo marambili ya kiasi unachoweza kudeposit kwa case yako unaweza kupata 1, 600,00/= ila sina uhakika sana kama wanaendelea na hiyo product. Huku uraian kuna informal money lenders ambao riba zao ni kubwa sana hivyo sikushauri.

    Lakini kwa kuwa upo chuo bado, ungejaribu kutumia Social capital uliyojitengenezea ili kuraise hiyo hela. Jaribu kuongea na marafiki zao hata watano wakuazime laki moja moja ili uanze kazi. Ukishindwa kabisa uza hiyo laptop ili kukwepa riba kabisa kwani utanunua nyingine nzuri zaidi wakati ukifika na utakuwa na bodaboda yako
     
  8. raia tz

    raia tz Member

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    oka kaka,thanks kwa advice nzuri na courage,ntacheck na ICB,friend its so hard,boom bado na wengi nimejaribu wanahofu i can stuck hence nsiwalipe,laptop nimetafuta mteja inasumbua kiasi,jamaa wanapesa chini.u know kaka this is my dream "if anyone can do it i can do it better" ntajaribu hawa jamaa wa icb.
    MY CALL: sisi vijana wa chuo tuaminiwe na tupewe mikopo kwa tunaoweza fanya biashara.dhamana ni vyuo tunavyosoma hatuwezi kimbia chuo,pia boom installment tunalopata.me am sure we can provide employment and be good enterprenewer. For now na stuck 500000 tu ni timize my year dream,i wish niitimize kwa solution toka huku jf please lest crack vichwa wanajf.
     
  9. JJ Masselo

    JJ Masselo Member

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    NO anymore hatuna hyo product hapa ICB isipokua product ambayo ingemfaa ni SME faster loan ambayo pia kwa vile anataka haraka hatoiweza maana hyo inatolewa kwa ale wenye account na sisi na wamezitumia account zao zaidi ya miezi 6 na wawe wamepitisha kiasi cha 60Mn kwa miezi sita hao tunawapa 50% (30Mn) ya turnover yao without any collateral, tunachokifanya kwenye 30Mn tunatoa 25% (7.5Mn + 8,5%FD interest) tunakufungulia Fixed Deposi kwa kipindi chote cha marejesho ya mkopo huo then ukimaliza deni FD inamachua unapewa hela yako.

    Mkopo huu ndio mkopo wenye liba kubwa hapa kwetu maana ni 23% kwa sababu ni mkopo ambao hauna dhamana kaabisa
     
  10. L

    LAT JF-Expert Member

    #10
    Dec 8, 2011
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    mkuu JJ Masselo

    je mnayo product ya asset finance?, kama ninataka kununua kitu kama scania truck na security ninayo,
     
  11. JJ Masselo

    JJ Masselo Member

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    Unajua unachokifanya ni kutaka kutekeleza msemo mmoja wa kibiashara "Put more money into risk inorder to get a big return" pamoja na watu kukwambia labda unaweza kukwama lakini bado wewe unataka kutimiza dhamira yako, moyo huo vijana wengi hasa wa Kitanzania hatuna na ni moyo wamafanikio makubwa sana utakuaja kunikumbuka one day yaani mpaka sasa mi naona ushafanikiwa saana na hata siku moja usikate tamaa kamwe,

    Nafanya kazi ICB Banking Group Tanzania Limited katika kitengo cha mikopo mikubwa we call it Business Banking Department, a lot of Tanzanian wanakuja na mzuka wa kutaka kuchukua hela ila wanataka wasiambiwe upande wa pili washiringi kwamba ukishindwa kulipa nauza nyumba yako aaah hapo harudi tena.
     
  12. JJ Masselo

    JJ Masselo Member

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    Is very possible kwa kuwa tunatoa mkopo kuanzia 150Mn hadi 3Bn (SBL) kimsingi we lete mchanganuo wako tuone tutafanyaje, uwe unataka kununua ndege, train na reli zake, mabasi, kujenga hotel kimsingi kama una vigezo hivi basi njoo tuzungumze, a) uwe umeshaanza kufanya biashara jampo kuanzia miaka miwili na kuendelea, biashara yako iwe na akaunti popote, andaa barua ya maombi, Mchanganua wa biashara tokea mwnzo na unapoendelea, ukaguzi wa mahesabu wabiashara yako wa miaka mitatu, nyalaka za halali za biashara yako kama leseni, TIN nk, kopi ya hati ya dhamana yako.

    Kimsingi Watanzania wengi hawana desturi ya kufanya ukaguzi wa mahesabu wa biashara zao kwa hyo unaweza kuziandaa tu sasa hivi, harafu nipigie tukutane tuone tunaanzia wapi (0713 988785)

    Hii ni kwa mfanya biashara yeyote atakayesoma hapa kama nataka mkopo mkubwa basi anipigie tuongee, tafadhali ukipiga refaa kwa Jamii Forum ili tuelewane vyema.
     
  13. raia tz

    raia tz Member

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    Mkuu jj,nakupata vilivyo,kwa conectiom yako ulionayo na uzoefu wa jamaa zako,nimnaweza pata wapi msaada wa mkopo wa 500000 ili nifanye biashara yangu,either by financial leasing au nitoe security ya laptop yangu nisaidie mkuu.kama una connection na experience ya my situation.
     
  14. JJ Masselo

    JJ Masselo Member

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    Bosi wangu wapo watu ila naogopa kuweka mawasiliano yao humu ningependa sana kwa ajili ya wana JF lakini pengine wasingependa wenyewe, txt through my mobile 0713 988785 then ntakupatia namba za watu kadhaa ujaribu kucheck nao, je Ni laptop aina gani na umeinunua lini? the value of the laptop please.
     
  15. Ghost

    Ghost JF-Expert Member

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    Dec 8, 2011
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    Kaka BIGUP :poa sana kwa maelezo..lakini just a quick one, vipi sisi wa mikoani (Arusha to be exact)?
     
  16. JJ Masselo

    JJ Masselo Member

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    Yaah, kwa sasa tuna mipango hyo ya kwenda countrywide na Arusha ni moja wapo ya mikoa mitatu tunayotaka kuanza nayo ikiwemo Mwanza na Dodoma, kwa sasa tunachokifanya ni kumkopesha mtu mkopo akafanye biashara kokote lakini dhamana yake isiwe zaidi ya 50klmtrs na hii ni kwa sababu Risk department yetu wapo Wahind si unajua kwamba hawapendi kusafiri safiri? tha's y lakini kama kungekua na wabongo kokote tungechukua dhamana kama mabenki mwngine. tuwasiliane usiogope tutapeana mawazo jinsi ya kufanya
     
  17. raia tz

    raia tz Member

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    okay kaka ntaku sms,laptop inavalue from 500000-700000,ni dell lattitude XT2 kioo chake kinazunguka 360dgree na no touch screen,i tried to sell it also via jf but i gt stuck.
     
  18. Husninyo

    Husninyo JF-Expert Member

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    Na mi natafuta mkopo dhamana kiwanja.
     
  19. JJ Masselo

    JJ Masselo Member

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    Dec 9, 2011
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    Kipo wapi, na kina thamani gani unadhani, na unataka mkopo kiasi gani?
     
  20. JJ Masselo

    JJ Masselo Member

    #20
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    Kipo wapi, na kina thamani gani unadhani, na unataka mkopo kiasi gani?
     
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