Dismiss Notice
You are browsing this site as a guest. It takes 2 minutes to CREATE AN ACCOUNT and less than 1 minute to LOGIN

.... NMB Kunaniiii...!!!??

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by data, May 20, 2011.

  1. data

    data JF-Expert Member

    #1
    May 20, 2011
    Joined: Apr 9, 2011
    Messages: 11,604
    Likes Received: 1,512
    Trophy Points: 280
    .. jamani wataalamu wa uchumi tusaidieni sisi wananchi wanyonge kwa hili..

    bank hii ilijitangaza kuwa ni ya wakulima..maana watu wa kipato au familia MASIKINI..(KAMA ANAVYOJIITA MH PINDA)... lakini saivi ni kinyume .. inafanya kazi kama benki nyingine za kibepari nchini.. sizitaji nafahamu kuwa mwazielewa..

    Nasema kwasababu leo hii ukienda Nmb kama AC yako ina " LAKI MOJA NA ELFU NNE" 104,OOO Tsh wanadai eti huwezi toa laki, ila chako ni 90 elfu. sasa swali langu kwa wachumi? What is hapenin in TZ...?
     
  2. R

    Rweye JF-Expert Member

    #2
    May 20, 2011
    Joined: Mar 16, 2011
    Messages: 12,666
    Likes Received: 1,238
    Trophy Points: 280
    Misingi ya benki ni ileile iwe ya Ulaya iwe ya bongo japo zinatofautiana kwa lugha za kibiashara,ama ya kibaguzi,ama ya kinyonge ama ya kiwatu,ama ya kimafia,tofauti ya hizi nyingine,NMB is least innovative ndo sababu wafanyabiashara hawaitaki hvyo haina wateja,serikali inaifanya isurvive kwa kupitia mishahara ya wafanyakazi ambao ndo wanyonge wa nchi hii,hvyo inaavaa mask ya wanyonge wakati yenyewe si nyonge,ila principally,benki ni benki tu!
     
  3. data

    data JF-Expert Member

    #3
    May 20, 2011
    Joined: Apr 9, 2011
    Messages: 11,604
    Likes Received: 1,512
    Trophy Points: 280
    ... naomba uongeaa kitaalamu tafadhali.. kwahiyo wanyonge ni watumishi gani hasa.. na kwa niniii?
     
  4. Tanganyika1

    Tanganyika1 JF-Expert Member

    #4
    May 21, 2011
    Joined: May 10, 2011
    Messages: 333
    Likes Received: 0
    Trophy Points: 33
    mi ninao wajua watumishi wanao tumia nmb ni pamoja na walimu na askari...may be hao ndo wanyonge. Usisahau na wafanya kazi wa nmb wenyewe.
     
  5. Kibanga Ampiga Mkoloni

    Kibanga Ampiga Mkoloni JF-Expert Member

    #5
    May 21, 2011
    Joined: Aug 9, 2007
    Messages: 12,399
    Likes Received: 226
    Trophy Points: 160
    Wacha kupotosha kama hujuhi kaa kimyaaaaaaaaaaaaaa!!!!!!!

    Less innovative kwenye nini?

    haitegemei serekali ila serekali ndio inaitegemea kunasehemu NMB wana matyawi ambayo hayalipi ila yapo tu kwaajili ya kutoa huduma na kuisaidia serekali.

    Wafanya biashara wawapi hao wasio itaka NMB? labada mafisadi mnaogopa kukutana kwenye foleni na mano waibia walala hoi!
     
  6. p

    peacebm Member

    #6
    May 21, 2011
    Joined: Jan 31, 2010
    Messages: 58
    Likes Received: 0
    Trophy Points: 0
    Achana na hiyo yako ya kutaka kutoa laki ukakataliwa, mimi ni mjasiriamali mdogo nilikwenda kwa lengo la kukopa nikiwa na dhamana ya nyumba nziri tu, biashara ya mtaji wa zaid ya mil 15 kwa mtazamo wangu nikajua at least watanikopesha nusu ya mtaji wa dukani, bt wakaniambia wananipa mil 1.5 nilikasirika sana nikaona haina hata haja ya kukopa hapo coz mpaka nije kupanda cheo kukopeshwa mil 5 itachukua miaka 3 na wakati vigezo ninavyo na biashara imeshakaa mwaka1. Hii NMB ipo kurudisha maendeleo ya wananchi nyuma kwa sababu unamkopesha mwalimu, nurse, daktari, polisi, na wafanyakazi wengine wa serikali kwa kuwalaghai wakati wanajua hawana biashara na lazima watawakata pesa kwenye huo mkopo kwa muda wa mwaka mzima ambapo mkopaji anakuwa kapata hasara kwa makato ya mkopo kuchukua muda mrefu, Pumbav sana na benki yenu,
     
  7. n

    nguluvisonzo JF-Expert Member

    #7
    May 21, 2011
    Joined: Dec 27, 2010
    Messages: 487
    Likes Received: 1
    Trophy Points: 35
    Hakuna upotoshaji bana,asilimia tisini wateja ni watumishi wa serikali(90%) mtu mwenye akili timamu hafungui akaunti NMB,na kwa taarifa yako mafaida makubwa wanayotangaza 90% ni mkopo wa mishahara ya watumishi wa umma,rejea ugomvi wa Zitto na Mkulo waziri wa fedha japo alikanusha lakini hana data hivyo utetezi wake ni mufilisi hatuitaji.Hivyo ndugu yangu hakuna upotoshaji hapo ni ukweli mtupu serikali ndio imeishikilia NMB,Halmashauri zote kila senti inayokusanywa kama kodi inapelekwa pale. Serikali kuwa main account NMB ni moja ya masharti ya mwekezaji toka uholanzi.Wewe jiulize zipo benki ambazo ni 100% owned by serikali yetu kwanini isizitumie hizo?nchi yetu imeoza kila sehemu naomba uwe muangalifu kuponda hoja za wenzako,fanya kwanza utafiti,hicho kidogo nilichokupa kinaweza kukupanua mawazo ukajua nini cha kusema,hapo hakuna upotoshaji.
     
  8. sekulu

    sekulu JF-Expert Member

    #8
    May 21, 2011
    Joined: Jan 17, 2011
    Messages: 911
    Likes Received: 5
    Trophy Points: 35
    Huo ukulima wanaousema ni Lugha ya kibiashara na Kiushindani zaidi, so Bank zote ziko sawa!, wote wanataka supa profit!
    Pamoja!
     
  9. Landala

    Landala JF-Expert Member

    #9
    May 21, 2011
    Joined: Dec 24, 2010
    Messages: 895
    Likes Received: 14
    Trophy Points: 35
    Watumishi wanyonge serikalini na wanaoonewa na kunyanyaswa ni walimu.Huoni jinsi wanavyoidai serikali malimbikizo yao miaka nenda rudi.
     
  10. wilbald

    wilbald JF-Expert Member

    #10
    May 21, 2011
    Joined: Dec 17, 2007
    Messages: 575
    Likes Received: 18
    Trophy Points: 35
    Sasa kwanini u-withdraw hela zote?
    Nilazima ubakize kilinda mfuko bana,mimi sikulaumu ila unatakiwa uwe na minimum amount itakayokuwa inalinda account yako.
    Unajua sisi masikini tuna MPC kubwa kuliko MPS
    na Matajiri wana MPC ndogo kuliko MPS.
    MPC=MARGINAL PROSPERITY TO CONSUME
    MPS=MARGINAL PROSPEITY TO SAVE.
     
  11. data

    data JF-Expert Member

    #11
    May 21, 2011
    Joined: Apr 9, 2011
    Messages: 11,604
    Likes Received: 1,512
    Trophy Points: 280
    .. unaweza ukawa mchumi..... jibu thread kitaalamu
     
  12. J

    Jak512 Member

    #12
    May 21, 2011
    Joined: May 14, 2011
    Messages: 5
    Likes Received: 0
    Trophy Points: 0
    jamani lazima tujue kuwa NMB ni bank kama bank zingine ,ina compete na bank zingine na inahitaji super profit......mimi ni mteja wa NMB kwa muda mrefu na sio mfanya kazi wa serikasi ni mafanyabiashara.ukiwa unafungua akaunt wanakwambia minimum balance ni Tsh 10,000 so sijakuelewa kuwa una 104,000 halafu unataka kutoa yote??!! tatizo watanzania wengi hatupendi kusoma terms and conditions,ungekuwa umesoma usingepata shida,halafu isitoshe now tuko kwenye free market where unachagua bank yoyote......
     
  13. Nyamtala Kyono

    Nyamtala Kyono Senior Member

    #13
    May 21, 2011
    Joined: Sep 23, 2010
    Messages: 162
    Likes Received: 3
    Trophy Points: 35
    hivi ni propensity au prosperity?
     
  14. MESTOD

    MESTOD JF-Expert Member

    #14
    May 21, 2011
    Joined: Nov 12, 2010
    Messages: 4,585
    Likes Received: 58
    Trophy Points: 145

    Statement hizi ndo zinafanya walimu wazidi kunyanyasika. Mwalimu siyo mnyonge, nani kasema? Nani kasema watu wanaolipwa kima cha chini ni wanyonge. Tuondoe haya mawazo haya, kulipwa kidogo siyo unyonge.
    NMB ni benki kama bank nyingine nao wapo kibiashara zaidi. Kwenye biashara yoyote kinachotakiwa ni bargaining. Tatizo lake ni wafanyakazi wenye mawazo mgando na wasiotaka kubadilika.
     
  15. Kibanga Ampiga Mkoloni

    Kibanga Ampiga Mkoloni JF-Expert Member

    #15
    May 21, 2011
    Joined: Aug 9, 2007
    Messages: 12,399
    Likes Received: 226
    Trophy Points: 160

    Kaka pole sana ndugu yangu, Ila kasome tena masharti ya akaunti yako na huwe unafuatilia matangazo ya mara kwa mara!
    Ila ukweli ni kwamba kwa NMB ni lazima akaunti ibakie na 5,000/=

    Pia kwa sikuhizi kutokana na hela ya kibongo kukosa thamani NMB kenye ATM wanaweka 10,000/= tu na hawaweki tena 5,000/=, 1,000/= na 500/= kwani ukifanya hivyo ATM zitakuwa zinachukua hela kiasi kidogo sana na safari za kuongeza hela zitakuwa nyingi sana!

    kwa kuwa ulikuwa na shilingi 104,000/= na ukitoa 5,000/= na ukitoa withdrwa fee ya 500/= unabakia na 98,500/= kuwa atm huwezi pata hiyo 8,500/= bali 90,000/= tu kwa noti za 10,000/= tisa(9), Sasa basi kwa ujanja wa kimjinimjini ulitakiwa uongeze hapo at leat 1,500/= kwenye akaunti ili uweze kutoa 100,000/=
     
  16. Kibanga Ampiga Mkoloni

    Kibanga Ampiga Mkoloni JF-Expert Member

    #16
    May 21, 2011
    Joined: Aug 9, 2007
    Messages: 12,399
    Likes Received: 226
    Trophy Points: 160
    Kaka pole tena ila na kuwa sikuelewi kwani NMB wana product za aina nyingi za mikopo ila kwa kusoma taarifa yako ni kuwa una qualify kwa haina tatu:-
    1. Mkopo wa mfanya kazi,
    2. Mkopo wa biashara ndondogo,
    3. Mkopo mkubwa ila hapa kuna masharti magumu.

    Ya kwanza ya MKOPO wa mfanya kazi ukweli ni kwamba hii ni rahisi sana kwani inategemea kama mwajiri wako anamkataba na NMB na pi ainategemea kiwango chako cha mshahara,
    kawaida huwa wanachukua BASIC yako na kuzidisha mara 13, ila ni lazima waangalie makato utakayo katwa haya athiri sana mshahara wako ili uendlee kusurvive na hii maximum ni miaka 5.

    Ya Pili mikopo midogo midogo hii anakopa mfanya biashara yeyote na limiti ni maximu ya 6,000,000/= na nilazima biashara iwe ina umri wa zaidi ya mwaka mmoja.

    Ya tatu ni mikopo mikubwa zaidi ya 6,000,000/= kiukweli hii ni migumu na wengi wanao pata hii ni wanye biashara zilizo simama na ni wateja wao walio anza nao kuanzia kula mikopo midogo kwahiyo wanakuwa wanawajua vizuri na kuwa trust, kwani hii wanakaagu mizunguko yako ya fedha na ni lazima hulete bhesabu zako za biashara za mwaka mzima pia lazima uje na business proposal ya kwa nini unataka kukopa.

    Sasa niukiangalia madai yako nakuona unajichanganya kwani unachanganya mkopo wa mfanya kazi na biashara. huwezi kwenda kukopa kwa ajili ya biashara then ukazungumzia mshahara wako ila nyumba yako itahusika endapo tu ni dhamana kwa ajili ya mkopo wa biashara.
     
  17. Kibanga Ampiga Mkoloni

    Kibanga Ampiga Mkoloni JF-Expert Member

    #17
    May 21, 2011
    Joined: Aug 9, 2007
    Messages: 12,399
    Likes Received: 226
    Trophy Points: 160
    Pole sana ndugu yangu ila unasahau kuwa NMB ina matawi 140 nchi nzima na ina tawi kila wilaya nchi hii, Embu jiulize oppotunity market walio nayo?
    mpinzani wa karibu ni CRDB ana matawi 50/60 .

    Halmashahuri kuwa na akaunti sio lazima ila inabidi iwe hivyo kwa kuwa huko wilayani hakuna benkio nyingine zaidi ya NMB ndugu yangu na kuhusu mikopo sio lazima mafanya kazi kukopa NMB wanaweza kukopa PRIDE, BAYPORT and there likes lakini kumbuka hao wote wanakopa NMB na jioni wakifunga hesabu wanakwenda kuweka hela zao NMB unategemea nini kwenye Riba zao?

    Unaweza kunitajia benki ambayo inamilikiwa na serekali 100% ambayo ipo MKOANI KWENU? wacha WILAYANI niambie MKOANI TU!

    Nadhani unajau ila unahamua kupotosha,

    Pia swala la Innovative naona umelipotezea ila nakukumbusha ndio benki pekee inayo ongoza kuwa na technilogia ya kisasa na up todate nchi nzima.
    kama unabisha hili toa mifano nikupe uondo!!
     
  18. data

    data JF-Expert Member

    #18
    May 22, 2011
    Joined: Apr 9, 2011
    Messages: 11,604
    Likes Received: 1,512
    Trophy Points: 280
    Ok.. kumbe ishu ni uchumi umeshuka... painful.. sasa mkuu yaani nipange foleni mita 200.. kuongeza 1500 tu.
     
  19. Mzee wa Rula

    Mzee wa Rula JF-Expert Member

    #19
    May 22, 2011
    Joined: Oct 6, 2010
    Messages: 8,161
    Likes Received: 39
    Trophy Points: 145
    propensity to consume mkuu,
     
  20. Kibanga Ampiga Mkoloni

    Kibanga Ampiga Mkoloni JF-Expert Member

    #20
    May 22, 2011
    Joined: Aug 9, 2007
    Messages: 12,399
    Likes Received: 226
    Trophy Points: 160
    Pole sana lakini sijuhi ni tawi lipi hilo lina foleni namna hiyo kwa sikuhizi kwani NMB wameboresha sana!!
    Ila unaweza kutimia ujanja wa kumuomba rafiki aka kuongezea kwa kutumia NMB MOBILE! au hujuhi huduma hii?
     
Loading...