Najuta Kuifahamau M-PESA

Bujibuji Simba Nyamaume

Bujibuji Simba Nyamaume

JF-Expert Member
Feb 4, 2009
74,894
155,916
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.
 
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???
 
Sidhani kama anayetumiwa anakatwa pesa. best jaribu kuchat na customer care, isijekuwa hao jamaa wamekuingiza town!
 
Bujibuji said:
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.
Click to expand...

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.
 
kbd said:
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???
Click to expand...

nilitumiwa kwenye account yangu.
Nikawa nazitoa kutoka kwenye soft money kwenda kwenye real money
 
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.
 
mkaa mweupe said:
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.
Click to expand...


najuuuuuuuuuuta kuifahamu m pesa
 
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
 
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.
 
N-handsome said:
Please angalia jedwali la miaamala katika huduma hii:-
Event From To ChargesTsh
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 1000
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
Click to expand...
Sorry JF kagoma format yangu
 
Handsome naomba ufafanuzi maana sijakuelewa kuna mahali umesema 1000 500,000 200 free una maana gani?
 
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
Mkaa Mweupe said:
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.
Click to expand...

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....
 
Kbd said:
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???
Click to expand...

Ukienda kutuma watakuuliza ikiwa unataka unaemtumia apokee hela yote basi watakuambia uongeze kiasi fulani, kitachokatwa kwa ajili ya huduma.
 
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!!!!!!
 
genekai said:
Sidhani kama anayetumiwa anakatwa pesa. best jaribu kuchat na customer care, isijekuwa hao jamaa wamekuingiza town!
Click to expand...
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.....
 
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