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Najuta Kuifahamau M-PESA

Discussion in 'Habari na Hoja mchanganyiko' started by Bujibuji, Mar 25, 2010.

  1. Bujibuji

    Bujibuji JF-Expert Member

    #1
    Mar 25, 2010
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    Nilidhani watu wa kipato cha chini tumepatiwa mkombozi na voda com,
    kumbe sio mkombozi ila ni malaika izraele mtoa roho aliye kuja kwa sura ya upole, upendo na tabasamu huku nyuma yake akiwa na silaha kali yenye kukuua kifo cha taratibu chenye makali na machungu yasiyomithilika.
    Nimetumiwa vijisenti kama laki nne hivi , nilipoenda kuvidroo nimekatwa shilingi elfu saba,
    jamani....
    Hivi ni benki gani ya biashara yenye bank charges za juu kiasi hiki?
    Je mamlaka zinazosimamia maswala ya fedha zimeshindwa kabisa kumshauri rostam azizi arekebishe tariff zake??
    Kweli rostam kwa sasa ndiye baba wa taifa.
     
  2. FirstLady1

    FirstLady1 JF-Expert Member

    #2
    Mar 25, 2010
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    jamani na wewe dezo inaua
    pole:)
     
  3. Kbd

    Kbd JF-Expert Member

    #3
    Mar 25, 2010
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    Pole sana Buji, ila nilidhani anayetumiwa huwa akatwi maana gharama zote za huduma zimelipwa na mtumaji. Sina uzoefu wa kupokea ila nimeshatuma mara nyingi na sijapata mtu amelalamika kukatwa. Hebu wataalam wa hii kitu watupe mwongozo hapa.........inakuwaje???
     
  4. The Son of Man

    The Son of Man JF-Expert Member

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    Sidhani kama anayetumiwa anakatwa pesa. best jaribu kuchat na customer care, isijekuwa hao jamaa wamekuingiza town!
     
  5. Mkaa Mweupe

    Mkaa Mweupe JF-Expert Member

    #5
    Mar 25, 2010
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    Wakati nilipokuwa chuo, mwalimu wangu wa DS alisema kuwa masikini ni gharama sana kuliko kuwa tajiri. Watu wengi hawakuingiwa na somo hilo. Lakini sasa hivi nazidi kuielewa kauli yake.

    WaTZ wanapenda mambo mdebwedo, wanadanganywa na mambo wasiyotaka kujua undani wake na madhara yake ndio hayo.

    Kwanza fikiria, mtu unazo pesa zako badala ya kufungua Bank Account uwe na uwezo wa kupata mkopo, unakimbilia X-Pesa kuweka pesa bila ya riba wala uhakika wa kuomba mkopo kwa kuahidiwa kurahisishiwa mambo ambayo si kweli kuwa unarahisishiwa bali unanyonywa.

    Mnapokuwa watu kama 1000 wenye account za X-Pesa kila mmoja unaweka TZS 10,000; ina maana X-Pesa anakuwa na 10,000,000. Kama hamjazitumia kwa mwezi mmoja na yeye ameweka katika account ya muda maalum kwa kipindi hicho kwa faida ya 6% inamaana anapata 600,000. Halafu anakuchaji 2% kwa kukutunzia fedha zako maana yake atapata 200,000 ambapo jumla yake anafaida ya 800,000.

    Hii inamaana kuwa katika kila wateja 1,000 X-Pesa atapata TZS 800 kwenye kila 10,000. Sasa wewe unadhani kuwa ni mjanja unaweka 500,000. Ina maana unapoteza 40,000 bila kujua (in-direct charges).

    Naomba niwashauri muweke fedha Benki na mkifungua akaunti benki unapata faida zaidi ya hasara hizi za X-Pesa.
     
  6. Bujibuji

    Bujibuji JF-Expert Member

    #6
    Mar 25, 2010
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    nilitumiwa kwenye account yangu.
    Nikawa nazitoa kutoka kwenye soft money kwenda kwenye real money
     
  7. f

    fikrahuru Member

    #7
    Mar 25, 2010
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    tatizo la watz wanafikiri kila kitu kinachoanzishwa na wenye nazo in fashen na kwenda na wakati. unaweza kuangalia hata kwenye kipima joto cha ITV sms ni sh ngapi.
     
  8. Bujibuji

    Bujibuji JF-Expert Member

    #8
    Mar 25, 2010
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    najuuuuuuuuuuta kuifahamu m pesa
     
  9. N-handsome

    N-handsome JF-Expert Member

    #9
    Mar 25, 2010
    Joined: Jan 23, 2008
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    Please angalia jedwali la miaamala katika huduma hii:-
    Cash Deposit
    5,000
    500,000
    Free
    Send Money To Registered Customer
    1,000
    500,000
    200
    Send Money To Unregistered Customer
    1,000
    9,999
    1,000
    10,000
    19,999
    1,500
    20,000
    49,999
    2,500
    50,000
    99,999
    4,000
    100,000
    199,999
    6,000
    200,000
    299,999
    8,000
    300,000
    500,000
    11,000
    Withdraw Money - Registered Customer
    5,000
    9,999
    350
    10,000
    19,999
    500
    20,000
    49,999
    1,000
    50,000
    99,999
    1,500
    100,000
    199,999
    2,500
    200,000
    299,999
    4,000
    300,000
    500,000
    7,000
    Withdraw Money - Unregistered Customer
    1,000
    500,000
    Free
     
  10. Mtazamaji

    Mtazamaji JF-Expert Member

    #10
    Mar 25, 2010
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    Pole sana But nina hakika better service inakuja na some expense.Na huduma za M pesa lengo lake kufika pale benki zisipofika kwa haraka.

    Pili niwekeni sawa kwani RA an share ya % ngapi Vodacom?? Nadhani hisa zake si kubwa kumfanya awe na final decision.
     
  11. Felixonfellix

    Felixonfellix JF-Expert Member

    #11
    Mar 25, 2010
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    N-handsome sijakuelewa
    hesabu kwangu ni issue
     
  12. N-handsome

    N-handsome JF-Expert Member

    #12
    Mar 25, 2010
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    Sorry JF kagoma format yangu
     
  13. senator

    senator JF-Expert Member

    #13
    Mar 25, 2010
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    Handsome naomba ufafanuzi maana sijakuelewa kuna mahali umesema 1000 500,000 200 free una maana gani?
     
  14. Chapakazi

    Chapakazi JF-Expert Member

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    Mar 25, 2010
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    Pole...nadhani, cheki kwanza ushauri wa kbd. Lakini ndo hivyo...nadhani registered customers wanalipa wakati wanachukua pesa. cheki hapa: http://www.vodacom.co.tz/docs/docredir.asp?docid=3535
    Hiyo riba ya 6% inakuwa ni annual, hivyo kama unaweka pesa kwa muda mfupi, kama 90 days lazima uigawanye accordingly. Lakini ni sawa...umeeleza the general picture vizuri. Cha muhimu, sio kuwalaumu VODA, maana wao ni wafanya biashara. Siku zote mfanya biashara ni mtu aliye 'shrewd'. Yeye anaangalia jinsi ya ku-maximise profit, hivyo ni haki yake kula wajinga. Ndo maana katika nchi zilizoendelea kuna Consumer Protecting Agencies. Hizi hu-monitor field zao, zikiangalia utoaji wa service na kulinda wateja. Kwa bongo, inayofahamika zaidi ni TBS. Lakini nadhani kuna nyingine zinazochunga financial institutions, telecommunication industry, nk. Sema ndo hivyo...ujinga wetu ni mkubwa mno! We do not take advantage of such agencies!

    am out....
     
  15. Bill

    Bill JF-Expert Member

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    Mar 25, 2010
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    Ukienda kutuma watakuuliza ikiwa unataka unaemtumia apokee hela yote basi watakuambia uongeze kiasi fulani, kitachokatwa kwa ajili ya huduma.
     
  16. N

    Nanu JF-Expert Member

    #16
    Mar 25, 2010
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    Vodacom inaendesha kampuni inayojitegemea na wanafanya biashara. RA ana shares 30% but is not in day to day operations of vodacom.
    What do you think, not even the bank does anything for free, every service from the bank is charged. May be you are not even requesting your account monthly statements so that you can see the charges.
    M-Pesa was also meant to help people at areas where the bank is not available or someone do not want to go long queues and wastage of time. You only go to the nearby M-Pesa agent and you get the money. The agent has to get paid, expenses has to be met, and Vodacom has also to make money.
    It is required that before you consume the service/goods you have to ask associated costs so that you cannot be caught by surprise.
    Nothing is for free under the Sun brother!!!!!!
     
  17. kipipili

    kipipili JF-Expert Member

    #17
    Mar 26, 2010
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    Anayetumiwa anakatwa kulingana na kiasi alichotumiwa, that is for sure hata ukienda kwa mpesa agent utaona mchanganuo ulivyo. Labda kwa lugha nyingine ni kuwa unatozwa charge sasa badala ya kutoa mfukoni inakatwa ile iliyotumwa. ina maana jamaa angetoa elfu saba toka mfukoni wangempa laki nne ambayo ni sawa na kupewa 393000 bila kutoa pesa ya mfukoni.....
     
  18. Bujibuji

    Bujibuji JF-Expert Member

    #18
    Mar 26, 2010
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    Usifanye mchezo na wazee wa mujini.
    Ukiingia ki kichwakichwa lazima uumizwe.
     
  19. Mkaa Mweupe

    Mkaa Mweupe JF-Expert Member

    #19
    Mar 26, 2010
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    I LOVE Finance!
     
  20. Bujibuji

    Bujibuji JF-Expert Member

    #20
    Mar 26, 2010
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    bora kabisa enzi za kubadilishana bidhaa kwa bidhaa
     
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