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Najiuliza swali hili kila siku!!!!!!!!!

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Chipyopyo, Jun 23, 2010.

  1. C

    Chipyopyo Member

    #1
    Jun 23, 2010
    Joined: May 17, 2010
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    Habari wana JF?Mimi huwa najiuliza swali moja, Watanzania tunafanya kazi saaana na tunakatwa Michango ya mifuko ya jamii kila mwezi. Hivi hatuwezi kuitumia fedha inayoingia kwenye hii mifuko ya jamii kama amana kukopa Mfano PPF, PSPF, NSSF, LAPF na n.k?Nauliza hivi kwa sababu kuna mgeni (mzungu) nilikuwa nastorisha nae (ni mwekezaji mkubwa sana) nikamuuliza jinsi yeye alivyoweza kupata mtaji mkubwa kiasi hiki (takriban milioni 200Tshs) akanijibu alikopa kupitia amana ya fedha zake zilizokuwa mfuko wa jamii aliokuwa anauchangia baada ya kufanya kazi kwa kama miaka kumi na ushee.Ndipo nikajiuliza hivi na sisi kwa nini tusitumie akaunti zetu za mifuko ya jamii kama amana ili tuweze kukopa mitaji mirefu ili kuwekeza kiukweli kuliko kukopeshana vijisenti vya kununulia radio na tv kwa kutegemea mishahara finyu? Ye mwenzetu kaniambia kwao mfanyakazi ni mtu aliyefanikiwa saaana hata kama salary ni ndogo kwani michango ya jamii huweza kuwainua sana licha ya kuwasaidia uzeeni kwani wanaweza kukopa na michango yao ikiwa ni amana na kuondokana na habari za hadi uwe na hati za nyumba/ardhi na mali isiyohamishika ambayo ni ngumu mno kuwa navyo.Sasa oneni mzungu huyu, kaanzisha kampuni huku kapanua mtaji taratiibu anaihamishia kwao baada ya kuwa na mtaji wa kutosha na kuona anaweza kushindana na wenzie huko.All in all, michango yangu kule PPF, NSSF, PSPF au kwingineko haiwezi kunidhamini nikakopa benki? Mbona kuna fwedha nyingi tuu kuliko hata hati ya nyumba au ardhi?Kwa nini sisi tushindwe????????
     
  2. kipipili

    kipipili JF-Expert Member

    #2
    Jun 25, 2010
    Joined: Jul 29, 2009
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    Kwa kweli hii mifuko yetu ya hifadhi za jamii ina tufisadi sana, mtu unakuta unapesa ya kutosha tu lakini hawawezi kukukopesha angalau nusu ya amana yako au walau basi watujengee nyumba za gharama nafuu na watukopeshe, wanachofanya ni kuwakopesha kina Sumaye na kujenga majengo na madaraja kwa fweza zetu..
     
  3. Ramthods

    Ramthods JF-Expert Member

    #3
    Jun 26, 2010
    Joined: Jun 2, 2009
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    Kwanza big up Chipyopyo, kwa mchango mzuri. Umeniongezea point nzuri sana na umejenga hoja yenge nguvu hapa jamvini. Hata mimi sioni ni kwa nini watu washindwe kukopa kupitia michango ya jamii. Nadhani tatizo lipo kwenye vipaumbele vya viongozi wetu ambao hawajamweka maanani mzalishaji mkuu (mfanyakazi).

    Pengine kutokama na mabadiliko ya kiuchumi, tunaweza kufikia hatua hiyo siku za mbeleni, ila ni kitu ambacho kingeweza kusaidia watu wengi sana.
     
  4. Kang

    Kang JF-Expert Member

    #4
    Jun 26, 2010
    Joined: Jun 24, 2008
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    Labda benki zina wasiwasi hiyo mifuko ya jamii ipo kwenye madaftari tu. Pia naomba kuuliza 200 Million Tanzanian inaanzisha biashara gani siku hizi? Tunaweza tukaja kuinvest!
     
  5. RRONDO

    RRONDO JF-Expert Member

    #5
    Jun 26, 2010
    Joined: Jan 3, 2010
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    una maana hujui biashara ya kufanya ukiwa na tsh 200m.....au unamaana tsh 200m ni kidogo sana kufanya biashara tanzania.....are u serious???
    kwani biashara zote zinazofanywa tznia ni over tsh 200 capital???
     
  6. Gaijin

    Gaijin JF-Expert Member

    #6
    Jun 26, 2010
    Joined: Aug 21, 2007
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    tatizo la hizi amana zetu unaweza ukafanya kazi miaka 10 ukenda ukawauliza haddi sasa nna kiasi gani wasikwambie licha ya kukuachia kuchukua ukafanyia kitu cha maana.

    kuna nchi nyengine unaweza kuzikusanya kisha ukazitoa ukatumia ....hesabu yako ikaanza zero kuanzia hapo ulipozitoa. tanzania hilo tusahau kwa siku mbili hizi
     
  7. Kang

    Kang JF-Expert Member

    #7
    Jun 26, 2010
    Joined: Jun 24, 2008
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    Amesema ni mwekezaji "mkubwa sana" sasa nataka nipate idea 200 mill inaanzisha nini bongo.
     
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