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Natafuta Mkopo

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Gerald, May 10, 2011.

  1. Gerald

    Gerald JF-Expert Member

    #1
    May 10, 2011
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    Wana jf naomba msaada kwenu natafuta mkopo wa 10M wa riba nafuu ila nimejaribu kwenda bank zote zikanieleza ili kupata mkopo natakiwa niwe angalau nabiashara na mimi ndio natafuta hiyo hela nianzishe biashara nina hati ya kiwanja mbweni, hati ya gari freelender na subaru forester chochote kati ya hicho naweza kukiwekea bond, bank zote azikubali mpaka niwe na biashara.

    Naomba Msaada wa kiutaalamu.

    Nawakilisha
     
  2. Mkeshahoi

    Mkeshahoi JF-Expert Member

    #2
    May 10, 2011
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    same old song... utakopeshekaje wakati hujafuzu kukopesheka..? hakuna anaetaka kuchezea kamari hela anayokupa...!!
     
  3. M

    Mkombozi JF-Expert Member

    #3
    May 10, 2011
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    Pia kwenye picha unaonekana mdogo, ndio maana haukopesheki. Anyway,kama una magari hayo yote na pia kiwanja na hauna biashara yeyote ni lazima utakua mfanyakazi wewe. Ukibisha basi ni fisadi mdogo, kama ni mfanyakazi basi kuna bank nyingi sana hutoa personal loans kwa ajili ya wafanyakazi kama Vile NMB, KCB, Stanbic, Baclays n.k. Masharti ni kwamba hela ya mshahara lazima zipitie bank uliyochukulia mkopo. Upo hapo?
     
  4. b

    ben van mike JF-Expert Member

    #4
    May 10, 2011
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    nafikiri cha muhimu unge run biashara yako for few months hata kama ni kwa mtaji mdogo sana lets say 1m ...hakuna mtu atayekupa hela mtea unayeanza ....
     
  5. Gerald

    Gerald JF-Expert Member

    #5
    May 10, 2011
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    Hii sio kamari ndio maana hata mimi nimeweka bond mali zangu so kamari hapo ipo wapi?

    Naitaji fikra pevu inawezekana una chuki anyway thx
     
  6. Gerald

    Gerald JF-Expert Member

    #6
    May 10, 2011
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    yap nilikua mfanyakazi so now naitaji hela ili niwe mjasiriamali.
     
  7. Mama Subi

    Mama Subi Member

    #7
    May 11, 2011
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    Kwanini usiuze magari ukapata mtaji wa kuanzia biashara? Kama una uhakika na hiyo biashara basi utafanikiwa tu na kuweza kununua magari mengine baadae.
     
  8. Mkeshahoi

    Mkeshahoi JF-Expert Member

    #8
    May 11, 2011
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    si chuki.. chuki hazijengi..I belong to the same group as u do..kwa ufaham mdogo nilionao, kuwa na fixed/hard assets zitakubalika pale tu mkopeshaji akijiridhisha kuwa atarudisha hela alokukopa kwa kumiliki zile assets zako unazoziweka bond... umenipata..?!! wamebadili mfumo baada ya kuingia hasara kwa kuamini hati na mali pasipo kuona mzunguko wa hela ndugu yangu... Ndo maana kwa wafanyakazi wanaona njia nyepesi ya kurejesha hela yao ni kuuwahi mshahara wa mkopaji..badilika ndugu... hakuna anaeweka hoja humu jamvini kwa chuki hasa wa wazo ka ulilotoa.....kila mtu anaweka ufahamu wake apate maarifa zaidi na hatima tujikomboe..!!:evil:!
     
  9. drphone

    drphone JF-Expert Member

    #9
    May 11, 2011
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    kwann uangaike na mikopo wakati mtaji unao uza garii moja upate mtaji sawa mkuu
     
  10. Gerald

    Gerald JF-Expert Member

    #10
    May 12, 2011
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    Ahsante sana kwa hii msg sasa umenena so nifanyeji embu nipe ushauri
     
  11. Gerald

    Gerald JF-Expert Member

    #11
    May 12, 2011
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    Nilijaribu hivyo lakini imekua ngumu kuuza hasa nilikua nataka kuuza subaru foresta kwa 7.5m then ikashindikana nikaona bora niangalie maarifa mengine embu nipe ushauri tena
     
  12. Gerald

    Gerald JF-Expert Member

    #12
    May 12, 2011
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    Mama subi nimejaribu kuuza hasa subaru forester na nikapeleka kwa madalali lakini imeshoindikana sio kwamba gari haliyake mbaya hapana yote yapo kwenye hali nzuri na sijayatumia sana cause kazi zangu zilikua mikoani sana so magari nilikua nayapaki tuu mda wote embu nikushirikishe na wewe pia kunisaidia.

    Ahsante kwa mchango wako.
     
  13. Mkeshahoi

    Mkeshahoi JF-Expert Member

    #13
    May 12, 2011
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    tafuta mtu unaeweza kufanya nae kazi.. kubalianeni mkusanye mtaji.. mfungue kampuni.. muanzishe biashara katika eneo lenye ushawishi. Mkifikia hatua hiyo mna nafasi kubwa zaidi ya kupata mikopo mikubwa zaidi na unaweza kufanyia kazi mawazo yako mwenyewe ya kijasiriamali.... muhimu.. usiwe na papara..!!:dance:
     
  14. CONSULT

    CONSULT JF-Expert Member

    #14
    May 12, 2011
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    Pole sana Gerald, mm naweza kukusaidia mahala pa kupata huo mkopo wako, lakini itabidi uwe wazi kwa biashara unayotaka kukopea, mahala pa biashara na wewe utaweza/utakuwa tayari kulipa riba kiasi gani ? na muda wa mkopo ? pengine akaamua kuchukua hati hizo zote gari 2 na plot ?na je vyote unavimiliki kisheria ? yaani vimesajiliwa kwa jina lako ? na wadhamini wanao kufahamu kwa dhati angalau 1 na awe na uwezo kidogo au anaeleweka kihadhi kama jirani n.k atakae shuhudia mkataba, na je uliwahi kukopa au una mkataba mwingine wowote wa mkopo au madai pengine ? kwa maelezo zaidi tumia ushaur_ubunifu@operamail.com
     
  15. D

    Danniair JF-Expert Member

    #15
    May 12, 2011
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    Jamani mtu akiomba msaada na asaidiwe vizuri siyo bra braaa. Plse, nenda BancABC makao makuu Bacrays Building. Pale mtafute dada mmoja anaitwa Dora. atakupa maelezo mazuri sana kadri utakavyojibu maswali yake. Pia kama u - mfanyakazi jaribu kuwatembelea NMB. Vinginevyo kama kuna mtu mnnaaminiana afanyae kazi serikalini mwendee wekeaneni mkataba 24 months akuchukulie mkopo na iwekazi yako kumlipa yeye kila mwezi. Goooodilaki
     
  16. Gerald

    Gerald JF-Expert Member

    #16
    May 12, 2011
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    Da we umenena ahsante sana nitafanya hivyo then nitakufahamisha
     
  17. Gerald

    Gerald JF-Expert Member

    #17
    May 12, 2011
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    kaka nilidhani atachakua kimojawapo ukizingantia kiwanja mbweni nakimiliki kisheria, magari yote namiliki kisheria then nimwachie vyote kwa mkopo wa 10m kweli? anyway nakutumia mtiririko wa biashara nayotaka kuifanya then unishauri

    Ahsante sana kwa kunipa mwelekeo .
     
  18. Gerald

    Gerald JF-Expert Member

    #18
    May 12, 2011
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    Kaka Ahsante sana kwa ushauri wako nitaufanyia kazi
     
  19. Gerald

    Gerald JF-Expert Member

    #19
    May 12, 2011
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    Pia Nilishawahi kuyatangaza hapa jf haya magari lakini kama alivyosema Danniair utani mwingi hapa jf so niweka hii link ili uona na aina ya magari kwa picha zaidi.

    http://www.jamiiforums.com/matangazo-madogo-hot-deals/118527-subaru-forester-car-for-sale-7mil.html.

    Hiyo Link hapo juu ni subaru.

    Na hii hapa chini ni ya Freelender

    http://www.jamiiforums.com/matangazo-madogo-hot-deals/100963-car-4sale.html

    Mchanganua mzima wa Biashara upo hivi

    Mimi ninahitaji ushauri hata utaalamu wa kujiajiri mwenyewe nimeshafanya kazi katika makampuni mbalimbali based on project work na kwasasa sina ajira ila nilijaribu kuzunguka uku na kule nikapata mtu ambaye atakayeweza kunipa basi jipya la abiria na linauwezo wa kuchukua abiria 50-60 na tulikaa chini tukafanya mahesabu.

    1. Ni africarier mwenye kuuza mabasi aina ya Eicher
    2. Mkataba ni miezi 18 kulipa, Warranty 1yr, Service 6month kwake
    3. Kila mwezi natakiwa nimpelekee 1M, na kila siku lazma lilaze 100,000 achilia mbali mafuta na hela ya driver na msaidizi wake,so kwa mwezi utakuta unapata 3M hapo utaona nikiwa namlipa kila mwezi according to mkataba wa 1M nitabakiwa na 2M ukitoa other charges ninaweza kubakiwa na 1.5M or 1M

    Requirement
    Anataka nimpatie 10M na nimwachie gari yangu aina ya Subaru forester ambayo tulikubaliana kwa sh 6.5M so total 19.5M ili anipatie basi la abiria. basi lenyewe anauza 53M ukitoa 19.5M deni litabaki 33.5M ambapo tulikubaliana ninaweza kulipa kati ya miezi 18 or zaidi.

    sasa basi mimi nataka ushauri wenu nitaweza wapi kupata hizo 10M either kwa mkopo wenye riba nafuu au usiokuwa na riba ili niweze kujikwamua kwenye hali hii ngumu na ili niweze kuwa mjasiriamali?

    Uhalali wa huo mkopo naoutaka ni kama nishaweka wazi kuwa kuna gari mbili kati ya moja ndio tunaweza kuweka bond or kama si magari basi hati yangu ya kiwanja kilichopo mbweni beach.

    Sheria zitazingatiwa ambapo pia nitamshirikisha mwanasheria wangu na wako pia ili kuweka vitu sawa.

    Lengo ni kuwa mjasiriamali na wala sio vinginevyo.
    Natanguliza shukrani zangu kwa wote mlitoa michango yenu kwangu.
     
  20. newmzalendo

    newmzalendo JF-Expert Member

    #20
    May 13, 2011
    Joined: Mar 23, 2009
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    biashara ya mabasi ya abiria ni kichaa saaaaana,usiifanye/kuanza kwa mkopo.
    ili ufanukiwe ktk hii biahara inabidi uwe
    1.fundi
    2,dereva
    3.konda
    4.Au traffiki.
    kwa maelezo yako nahisi you are non of the above.
    hii biashara haipo straight forward kama inavyoo onekana,ushauri wangu unatokana uzoefu wangu na iyo theories za JF.
     
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