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Ni serikali ya CCM ndo inayosababisha gharama za maisha kupanda au ni sisi wananchi wavivu?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by sajosojo, Oct 29, 2011.

  1. sajosojo

    sajosojo JF-Expert Member

    #1
    Oct 29, 2011
    Joined: Apr 14, 2010
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    kama wananchi hatuzalishi tunakaa vijiweni...hatuna uzalendo wa kweli tukipata nafasi tunaiba..hatujui haki zetu tunaishia kulalamika, je mnadhani ni serikali ya chama kipi itasolve hili tatizo la mfumuko wa bei
     
  2. OTIS

    OTIS JF-Expert Member

    #2
    Oct 29, 2011
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    Uvivu wa kufikiri huo.
    Fanya kazi ujikomboe,full stop.
    OTIS.
     
  3. Bollo Yang

    Bollo Yang JF-Expert Member

    #3
    Oct 29, 2011
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    fanya kaz kijana
     
  4. Leonard Robert

    Leonard Robert JF-Expert Member

    #4
    Oct 29, 2011
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    mvivu mwenyewe..sisi wengine wachapakazi ila ccm ni serikali LEGELEGE inatuangusha..
     
  5. Mr.mzumbe

    Mr.mzumbe JF-Expert Member

    #5
    Oct 29, 2011
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    kwa kweli mkuu umeongea jambo la mbolea sana...!!ni kweli wananchi wengi waTanzania wanapenda sana ubwanyenye uhali hawana fedha au rasilimali za kuendesha maisha yao,watu kama awataki kubadilika na kuwa wazarendo,hata raisi awe Da Silva nchi yetu haitaweza kupanda kiuchumi.
    Ni lazima kila mwananchi kwa nafasi yake anapaswa kufanya kazi kwa bidii ili aweze kujihudumia na kuhudumia tegemezi zake.
    Lakini serikali bado inanafasi kubwa ya kukuza uchumi wetu kwa kuandaa sera safi za uchumi,kutengeneza ajira,kuingia mikataba yenye tija/faida kwa taifa n.k
     
  6. Angel Msoffe

    Angel Msoffe JF-Expert Member

    #6
    Oct 29, 2011
    Joined: Jun 21, 2011
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    niambie rasilimali za Tanzania mf. Milima,mito, maziwa,mbuga za wanyama, madini,viwanda nk. Zinawasaidia wananch wangapi na kivipi?
     
  7. jmushi1

    jmushi1 JF-Expert Member

    #7
    Oct 29, 2011
    Joined: Nov 2, 2007
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    Msiwadanganye wananchi,akama mmeshidwa kuongoza achieni wengine wenye kuweza.
    Kwa kifupi nchi yetu ni masikini.Na kwahivyo mara nyingi uncertainity about future value of our domestic currency is always there.

    Hilo linasababisha nonfinancial firms,banks pamoja na serikali yenyewe ku issue debt dominated in foreign currency ie US dollars rather than domestic currency.

    This leads to decline in the price level.Kwa hiyo unaweza kuona kuwa,kwasababu mikataba ya madeni iko dominated in foreign currency,and when the domestic currency declines,the the debt burdens of domestic firms increases.

    Na kwasababu ASSETS re typically dominated in domestic currency,balance sheets za hizo firms zita detoriate,pamoja na declination of its networth.

    Kwanza kabla hata ya financial institutions kuwa na less resources for lending.Bado kuna tatizo kubwa la umeme ambalo lina discourage investments.

    Binafsi sijawahi kuamini kwamba uchumi wetu uko hai.

    Uchumi wetu una chracteristics zote za depression and even more.Yani hakuna hata jina la kuupa.

    Kwasababu tuna act kama nxhi yetu inaendeshwa kwa viwanda which is not true,kilimo which is also not true.Kwahiyo kufanya analysis inakuwa ngumu.

    Ni uchumi "Shaghalabhagala"

    Financial crisis yoyote huanzia stage one ambayo ni mismanagemenent of financial liberization.

    Hili kwetu limetokea tulipofungua milango kwa wawekezaji,hii proccess inaitwa "Financial Globalization" Ambapo hata mabenki yetu sasa yanaruhusiwa kukopa kukopa kutoka abroad.

    Hizi benki zinalipa high interest rates ili kuweza ku attract foreign capital,hivyo hiyo inapelekea wao kukopa zaidi na zaidi.

    Hata hivyo mwisho wake si mzuri kwasababu it leads to banks balance sheets deterioration.Hence cutting down on their lending.
    Stage ya pili ni currency crisis.

    Kutokana na baadhi ya ama yote yanayotokea kwenye stage 1,washiriki wa foreign exchange market wanaona kuwa wana opportunity kwani wanaweza kutengeneza faida kubwa sana tu just kwa kutabiri kuwa pesa itashuka thamani hence stage 2 which is currency crisis

    Sasa swali linakuja hapa,ni kivipi detoriation ya banks balance sheets inaweza kusababisha currency crisis?

    Ukweli ni kwamba serikali hapa inaogopa kufanya kama alivyofanya Mkapa alipokuwa akijaribu kudhibiti mfumuko wa bei.Kwa kupandisha interest rates.

    However,kama serikali itapandisha interest rates,then ina maana banks must pay more to obtain funds.

    Hili linapunguza faida za benki,which may lead to insolvency.

    Kwahiyo hapo benki kuu na serikali wako kwenye dilemna,kama wakipandisha interest rates too much,basi they will destroy the already weakened banks,and if they dont,they cant maintain the value of their currency.

    Na kwajinsi ninavyoona,serikali imeamuwa kufuata policy ya devaluation.

    Hilo litawezekana only kama benki kuu ita exhaust holdings of foreign currency reserves.

    Wakishaishiwa na resources za ku intervine kwenye foreign exchange market,basi hawana njia zaidi ya ku allow devaluation.

    Govt Fiscal imbalances pia ni mojawapo ya factors zinazoweza ku trigger financial crisis.Kwasababu zina pelekea kudorora kwa banks balance sheets.Hapa pia fiscal imbalance inaweza ku directly trigger currency crisis.

    When govt budget deficits spin out of control,foreign and domestic investors begin to suspect that the country may ot be able to pay back its govt debt and so they will start pulling money out of the country and selling the domestic currency,which can eventually collapse it.

    Stage ya 3 ambayo ndiyo full fledge financila crisis inatokea mara baada ya mikataba ya madeni sasa majority yake kuwa in foreign currency ie dollar.

    Hili linapekea deni letu kuwa kubwa zaidi in terms of domestic currency!

    That is it takes more Tz shillings to pay back the dollarized debt!Na kwasababu bidhaa nyingi ziko priced in a domestic currency,thamani ya makampuni haipandi in terms of tz shillings.

    Wakati huo huo deni linapanda i terms of tz shillings.

    This leads to depreciation of domestic currency which in turn increases the value of debt relative to assets,hence the declination of the firms networth.This leads to decline in investments and economic activities.Again,binafsi naamini umeme pia unaplay part let alone hizi facts!

    Kwa kifupi kwasababu madeni mengi ya kwetu yanshikiliwa kwa foreign currency kama dola,basi pesa yetu inaposhuka thamani,deni lao linapanda in terms of domestic currency yetu licha ya kwamba thamani ya assets inabakia pale pale.

    Hili mwshowe hupelekea mfumuko wa bei kama mnavyoona kwasasa.

    Kwamba Mkullo atasaidia hapo?Ni kutizama tulipojikwaa.Tatizo ni serikali yote.

    Ni lazima tujuwe kwanza asili matatizo yetu kabla hatujataka kuyatatua.
     
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