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Naomba mwenye kujua hili mkopo access bank

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Chuck j, Jun 26, 2012.

  1. C

    Chuck j JF-Expert Member

    #1
    Jun 26, 2012
    Joined: Jun 17, 2011
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    Nimekuwa mteja wa access bank tangu mwaka juzi,
    Nilikopa nikarudisha,,mara ya pili napo nilikopa nikarudisha,japo nilichelewesha kama week 2 hivi,,,yaani kama ni tar 3 siku ya marejesho napeleka tar 13 au 17,nimefanya ivo kama mara tano,namwezi huu nilitakiwa tar 5 nimeepeleka tar 17na nimedable,nimelipa naya next mnth ,,yaani nimemaliza sidaiwi,,

    Nataka tena naambiwa siwezi pata tena,nimekosa sifa ,mwenye kujua ni kweli? na nifanyeje nipate tena?nimwone manager wa mikopo?
    Kama sisi wenyeji wanattufanyia ivi inskuwaje kwa wageni kabisa?
    Kunahaja gani kukaa na kadi yao ya bank? minawarudishia,,nisaidieni
     
  2. georgeallen

    georgeallen JF-Expert Member

    #2
    Jun 26, 2012
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    ww siyo mteja mwaminifu. ulitoa taarifa kwamba utachelewa kulipa?
     
  3. chash

    chash JF-Expert Member

    #3
    Jun 26, 2012
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    Sasa hivi wana wateja wengi zaidi ya hela zao. Kwa hiyo wanaweza kuchagua wateja ambao hawasumbui. Hata ukichelewa siku moja tu, wata fikiria kukupa tena mkopo baada ya wale ambao hawakuchelewesha hata siku moja wameshapata. Benki (zote) ni rafiki yako na biashara yako wakati una kopa na kulipa vizuri
    bila kuchelewa.

    Utawaona adui na wabaya hapo utakavyo anza kuchelewa. Yaani wao kukufilisi ni sekunde moja na wala hawataki kusikia ni kwa nini umechelewa na hawana huruma kabisa. Inawezekana labda kuna penalty kal access bank wanawapiga staff wao hapo mteja anaposhindwa au kuchelewa kulipa mkopo. Lakini kwa sabab ni biashara inabidi tuwaelewe tu hata kama ingekuwa ni wewe.

    Unfortunately, wengi wetu hatuna discipline ya matumizi ya hela ya mikopo na ulipaji. Hii inasababisha watu wengi sana na biashara nyingi kufilisiwa na mabenki.
     
  4. OGOPASANA

    OGOPASANA JF-Expert Member

    #4
    Jun 26, 2012
    Joined: Apr 30, 2009
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    kuhusu kukosa mkopo hapo Access Bank, sababu zake ni hizo hapo juu nilizobold...tena wamwkuonea huruma kukupa mara ya pili. Kutokuwa wa kweli, waaminifu na kuheshimu muda ni tatizo linaloturudisha sana nyuma watanzania hasa katika nyanja ya kibiashara. Pia kufanya matumizi mengine ya mkopo ulioombwa tofauti na makusudio kama ulivyoomba ni adui mwingine anayesababisha tuendelee kuwa ombaomba katika taasisi hizi, kwani utakuta kila siku mtu anakuwa anakopa miaka nenda rudi, badala ya kuwa na mipango na mikakati endelevu ya kibiashara na kutumia vizuri kiasi kidogo anachokopa ili aweze kukua na asikope tena. Tubadilike watanzania, tusisahau tupo katika ushindani wa jumuia mbalimbali tulizojiunga kama nchi.
     
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