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Ni kweli saccos ni mkombozi au wizi mtupu?

Discussion in 'Habari na Hoja mchanganyiko' started by Lambardi, Mar 9, 2009.

  1. Lambardi

    Lambardi JF-Expert Member

    #1
    Mar 9, 2009
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    Wadau wote heshima mbele...
    naomba sana msaada wenu maana nimefuatilia kwa makini sana nimeona hapana ni usanii mtupu.
    Lengo la SACCOS zetu hizi ni kutuwezesha sisi WA KIPATO CHA CHINI tuweze kuweka kidogo chetu ..tupate mitaji midogo midogo ili tuweze kujikwamua....
    Nimeeenda kwenye SACCOS 2 tofauti..ila ni wasanii wasanii kupitiliza.(MAKTABA NA SHIRIKISHO_JENGO LA WASHIRIKA).
    loan Officers wao wote ni wapendwa rushwa kupita maelezo..hawakusaidii hata kidogo kama hutoi rushwa kwa hela yako ulioiweka na utakayoilipa kwa riba....
    Pia ni wasumbufu sana ..pesa yangu imekaa kama miezi 6 sasa mkopo mdogo sana wa 10m wananisumbua hadi nimeamua kuachana nao....nimetafakari sana nikaona niilete kwa wadau wanisaidie kuniambia ipi ni SACCOS ambayo ni ukweli ????haina ubabaishaji na ina lengo sawa na kuanzishwa kwake?
    nawakilisha.
     
  2. Pundamilia07

    Pundamilia07 JF-Expert Member

    #2
    Mar 10, 2009
    Joined: Oct 29, 2007
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    Mkuu,

    Mimi sina uhakika SACCOS gani inaweza kukufaa, lakini ushauri wangu ni kuwa, kama ingelikuwa ni mimi hiyo kazi ya kuombwa rushwa na kutowajibika ni jambo dogo sana kwangu kulishughulikia. ningehakikisha hao waomba rushwa wanakoma mara moja na uzembe wanaacha. Lakini kuwakimbia ni sawasawa na kuhalalisha au kubariki maovu yao, washughulikie hao mafisadi haraka sana. I wish ungeniuzia hiyo issue!!!
     
  3. Mag3

    Mag3 JF Gold Member

    #3
    Mar 10, 2009
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    Hiyo mwarobaini uliyo nayo kwa nini usimmegee JK - jamani twafwa kwa rushwa!!
     
  4. f

    fmhema Member

    #4
    Mar 10, 2009
    Joined: Feb 18, 2009
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    Mjumbe huyu anaweza kuwa sahihi. Labda angekuwa muwazi zaidi kama yeye ni mwanachama wa SACCOS hizo. Kwa kuwa ukumbi huu sio wa majungu ila kuelimishana namshauri aombe kupewa katiba za SAACOS hizo ili atambue haki zake. Baada ya hapo azidai haki zake kwa mujibu wa Sheria. Nina hakika kwa mujibu wa Sheria ya Ushirika moja ya vigezo vya kuwa kiongozi bora ni kutokuwa mla rushwa au kuitumia SACCOS kwa manufaa binafsi. Registrar wa Cooperatives ana wanasheria wa kuwashughlikia watu kama hao.
     
  5. Sabode

    Sabode Senior Member

    #5
    Mar 10, 2009
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    Eh bwana mzee heshima kwako.
    Kwanza kabisa nikuambie jambo moja hz mara zote au nyingi ni kwa ajili ya wanachama wake tu. mimi ni mwanachama wa moja ya hizo hk ninapofanyia kazi mzee kwa kweli zinasadia sana tu baba akee.
    kuna baadhi ya watu maisha yanabadilika kabisa hata mimi binafsi imenisaidia kuande a bit faster than kama nisingekua mwanachama ila jambo moja ambalo huajalitaja ni kuwa inabidi uwe mwanachama na uchangie mtaji na uwekeze akiba ambayo ndo mnakopeshana wanachama.
     
  6. Lambardi

    Lambardi JF-Expert Member

    #6
    Mar 10, 2009
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    Mimi ni mwanachama na nimeweka kiasi cha kutosha tu huko...tatizo urasimu na rushwa zimezidi sana hata upatiwe mkopo....
     
  7. Y

    Yassin JF-Expert Member

    #7
    Mar 10, 2009
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    Me nadhani hapo hamna cha ukombozi hao wote ndio wale wale tu ukijikwaa kidogo ukiangalia pembeni umepigwa changa la macho!! kama ni mkombozi ambaye amesaidiwa basi aje atuambie hapa!!
     
  8. Sabode

    Sabode Senior Member

    #8
    Mar 11, 2009
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    Duh!!
    Siwezi kubisha maana napata mshangao tu, ila si ajabu kukuta mafisi -adi huko pia. kwa mimi ambayo nathibitisha anasadia ni ya mahala ninapo piga mzigo. Na ili uwe mwanachama sharti uwe unapiga mzigo hapa.
    Na pia kiwango cha akiba ulicho weka na uwezo wa kurejesha lkn kwa kifupi hii ambayo ni mwanachama nathibitisha inasaidia saaaaaana.
     
  9. Lambardi

    Lambardi JF-Expert Member

    #9
    Mar 11, 2009
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    Nitajieni wapi pengine free niweze kwenda na kujiunga ...................???shirikisho ni wasanii sana sana hawafai kabisa...wanaishi hapa mjini kwa kuwategemea wakopaji wa saccos ni aibu.
     
  10. C

    Caroline Danzi JF-Expert Member

    #10
    Mar 11, 2009
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    Saccos zipo zinazokopesha vizuri bila matatizo kwa mfanyo ile ya Kinondoni B opposite na msikitiwa Mtambani wale wako perfect hakuna rushwa wala nini. Ila unachotakiwa kikujua kwenye saccos nyingi kwamba lazima uwe mwanachama na ukae miezi 3 kabla ya kuchukua hela hiyo ni ku observe uwekaji wako wa hela. Na sisi wakopaji ni wasanii jamani lazima tukubali kwua siyo wakweli sometimes.

    Unakuta mtu ameambiwa ukiweka labda millioni 2 anapata milliion sita yeye anakimbilia kuleta hiyo millioni 2 na kutaka kupewa mkopo on the spot, siyo hivyo.

    Fuata masharti yaliyowekwa mkopo unatoka sana tu. Mimi nimeshachukua 6m pale kinondona na wengine wameshapata more than that. Fuata masharti ndugu.
     
  11. Sabode

    Sabode Senior Member

    #11
    Mar 11, 2009
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    Ni kweli.
    Hata mimi ndo nijuavyo, maana kabla ya kujiunga nilifahamishwa hayo yote, na nilianza kuchangia kidogo kidogo kabla ya hata sijahitaji mkopo lkn kwa sasa nafarahia sana kuwa mwanachama wa hiyo saccos. Kwa kweli sikua natarajia kufikia hatua niloo fikia kwa sasa bila saccos japo bado sijafika ninapo tamani, lkn natambua kabisa mchango wa vyama hv na popote nitakapokua nitakuwa mwanachama wa vyama hv maana naona ukombozi kwa wanyonge na wajasili amali pia. Kwa hiyo yes saccos ni mkombozi na si wizi. Ili huenda pia huenda labda zikawepo saccos longo longo pia.
    Kwa hiyo labda mshikaji atafute saccos makini tu maana zipo.
     
  12. Lambardi

    Lambardi JF-Expert Member

    #12
    Mar 11, 2009
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    Asante sana kwa michango yenu nimepata moja tu hiyo ya mtambani je hakuna ingine niweze kulinganisha??serious naenda kutoa pesa yangu yote shirikisho maana ni wasanii sana.kikao mara moja kwa mwezi na wanaweza wasikujadili nina miezi 6 nasubiria jibu hadi leo hapana kama ni shida basi mimi nimeshindwa.....wale ni wasanii sana na ilitakiwa wawe mfano bora maana wao ndio wataalam sana wasaccos chini ya washirika...ila ni wapenda rushwa wakubwa.nashauuri hao loan officers wawe na kazi zao wasihemee kwa vipato vya wenzao..
     
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