NMB yapata kufuru ya faida

Mimi nadhani ushindani katika sekta ya benki bado ni wa chini sana ndiyo maana tuanalanguliwa kwa kwenda mbele. Sio rahisi kutegemea huruma yao washushe gharama mbalimbali - inabidi wasukumwe na soko. Mabenki mengine mengi zaidi yanatakiwa kuanza.
 
Brutus said:
Hizo ni investiments zao. By the way.. ATM..Automated Teller Machines zinatakiwa zifanye kazi kama jina lake lilivyo.. AUTOMATED! Hazihitaji wahudumu .. maybe walinzi. Banks need to update their programs! Modern ATM inajiendesha yenyewe na iko FAST!
Hizi habari za kuchaji mtu kuchukua hela toka kwenye Account yake.. ni wizi. Ni hapa kwetu tu.. neither America nor Europe utakutana na upuuzi wa aina hii.
Inabidi Banks zi-come up with new investiments ideas.. and not stealing from poor people!
nchi yetu ni masikini.. kuna opportunities nyingi zana za investiments..so waache uvivu wa kufikiri. Inabidi wawe creative!
huu ndio ubepari tuliokuwa tunauogopa. Kunyonya jasho la masikini bila hata aibu!
Kuna faida gani ya masikini kuweka hela benki ikiwa anachajiwa shs 500 au 1000 kutoa hela zake kwenye benki hiyo hiyo? Utamlaumu akiamua kutengeneza Safe Deposit box chumbani kwake akazichimbia?
Click to expand...

United States
Prior to 1988, there was no surcharging of cardholders by ATM owners in the U.S. In 1988 Valley Bank of Nevada began surcharging "foreign cardholders" (meaning holders of ATM cards not issued by Valley Bank) for withdrawals at Valley Bank ATMs located in/near Las Vegas casinos.[19] Eventually, various regional ATM Networks, and ultimately the national networks, Plus and Cirrus, permitted ATM surcharging.
Before 1996, foreign ATM fees averaged $1.01 USD nationally, according to a 2001 report from the US-based State Public Interest Research Group.[20]
As banks and third parties realized the profit potential they raised the fees. ATM fees now commonly reach $2.00 (2003[21]), and can be as high as $6.00,[22] or even higher in cash-intensive places like bars and casinos. In cases where fees are paid both to the bank (for using a "foreign" ATM) and the ATM owner (the so-called "surcharge") total withdrawal fees could potentially reach $11. Independent sales organizations ("ISO"s) are the driving force in ATM deployment in the U.S. today representing over 60% of the 396,000 ATMs nationwide. Some have expressed concerns that the U.S. market is becoming too saturated, spreading the resulting fee pool too thin, which may result in a future net decrease in the number of machines.[23] Other media reports indicate that growth in ATM usage has decreased, possibly in relation to the amount of fees imposed by banks.[24]
Only some fees charged by ATMs are advertised at the point of transaction. This is more of a cautionary statement, as ATMs are required by law to inform users of the surcharge fees that the machine will charge the user. This information may come in the push through menu or it may be on a sticker on the machine. However, the ATM card holder's own bank may charge a "foreign ATM network" fee to the card holder for using an ATM that is not owned and operated by the card holder's own bank. Since this charge is not assessed by the machine or the owner of the machine, it is usually not advertised at the time and place of the transaction. Thus, it becomes the responsibility of the card holder to be aware of the details of their own bank's fee structure, which may also vary from state to state, to determine the total cost of an ATM transaction. In addition, the "foreign ATM network" fee may be different if using an ATM outside the U.S. versus inside the U.S.
A new charge that has come into the marketplace is the "Denial Fee", where a customer is charged a fee for attempting to withdraw more money than they are either allowed through their daily withdrawal limit or by having insufficient funds in their account.[25]
While many consumers are faced with multiple fees as described above, a number of standalone and internet banks, such as USAA and Ally, not only do not charge their customers for using another ATM but they also provide reimbursement, worldwide, of another ATM's fee. Thus, customers at some banks in the US can avoid ATM fees altogether. Another popular way to avoid paying ATM fees is to make a cashback purchase at a retail store: many retailers will allow a customer who is paying with a debit card to withdraw more than the total due the retailer and get back the difference in cash
 
PayGod said:
United States
Prior to 1988, there was no surcharging of cardholders by ATM owners in the U.S. In 1988 Valley Bank of Nevada began surcharging "foreign cardholders" (meaning holders of ATM cards not issued by Valley Bank) for withdrawals at Valley Bank ATMs located in/near Las Vegas casinos.[19] Eventually, various regional ATM Networks, and ultimately the national networks, Plus and Cirrus, permitted ATM surcharging.
Before 1996, foreign ATM fees averaged $1.01 USD nationally, according to a 2001 report from the US-based State Public Interest Research Group.[20]
As banks and third parties realized the profit potential they raised the fees. ATM fees now commonly reach $2.00 (2003[21]), and can be as high as $6.00,[22] or even higher in cash-intensive places like bars and casinos. In cases where fees are paid both to the bank (for using a "foreign" ATM) and the ATM owner (the so-called "surcharge") total withdrawal fees could potentially reach $11. Independent sales organizations ("ISO"s) are the driving force in ATM deployment in the U.S. today representing over 60% of the 396,000 ATMs nationwide. Some have expressed concerns that the U.S. market is becoming too saturated, spreading the resulting fee pool too thin, which may result in a future net decrease in the number of machines.[23] Other media reports indicate that growth in ATM usage has decreased, possibly in relation to the amount of fees imposed by banks.[24]
Only some fees charged by ATMs are advertised at the point of transaction. This is more of a cautionary statement, as ATMs are required by law to inform users of the surcharge fees that the machine will charge the user. This information may come in the push through menu or it may be on a sticker on the machine. However, the ATM card holder's own bank may charge a "foreign ATM network" fee to the card holder for using an ATM that is not owned and operated by the card holder's own bank. Since this charge is not assessed by the machine or the owner of the machine, it is usually not advertised at the time and place of the transaction. Thus, it becomes the responsibility of the card holder to be aware of the details of their own bank's fee structure, which may also vary from state to state, to determine the total cost of an ATM transaction. In addition, the "foreign ATM network" fee may be different if using an ATM outside the U.S. versus inside the U.S.
A new charge that has come into the marketplace is the "Denial Fee", where a customer is charged a fee for attempting to withdraw more money than they are either allowed through their daily withdrawal limit or by having insufficient funds in their account.[25]
While many consumers are faced with multiple fees as described above, a number of standalone and internet banks, such as USAA and Ally, not only do not charge their customers for using another ATM but they also provide reimbursement, worldwide, of another ATM's fee. Thus, customers at some banks in the US can avoid ATM fees altogether. Another popular way to avoid paying ATM fees is to make a cashback purchase at a retail store: many retailers will allow a customer who is paying with a debit card to withdraw more than the total due the retailer and get back the difference in cash
Click to expand...

Ndugu yangu.. this is 2011. Huwezi ku-apply actions za 1988 na 1996 kwe nye dunia ya sasa!
Unataka kuniambia Barclay's na Standard Chartered Banks wana-charge ATM fees wateja wao walioko UK kama wanavyotufanyia wabongo?
Ofkoz kila bank inachaji kama ukitumia ATM ya benki nyingine kutoa hela.. that's acceptable! Lakini mteja wako mwenyewe then unamchaji kutoa hela kwenye account yake akitumia ATM yako mwenyewe??
KWa nini wasifanye one time investiment ya ku-upgrade ATMS?
Huu ndio unyonyaji wa kibepari tuliokuwa tunafundishwa darasani!
Oneni aibu kidogo!
 
lazima wapate faida hawa mishahara ya serikali inapitia huko kweli wamelikamata soko bado wafanyabiashara wengi wanatumia benki hii kila tawi la benki hii muda wote utakuta mistari ya wateja kibao wakingoja huduma hata kwenye ma ATM
 
kwa mtu anaeijua NMB ya sasa hawazi kushangaa kuongezeka kwa faida yao kiasi hicho, ukweli ni kwamba zamani hii benki ilikua ya makabwela na ili maanisha makabwela, kutuma hela ilikua bure, kuchukua hela kwenye ATM ilikua bure(walikata monthly charges) nakumbuka ilikua tsh 400 tu kwa mwezi, garama nyingi hazikuwepo, ilikua ipo kwa ajili ya kutoa service zaidi ya ilivo sasa, siku hizi wamebadilika. wameanza kucharge kwa transaction, na bado fee ya mwezi wanakukata pia. kuwithdraw hela nayo wanakucharge tsh 200 etc etc so lazma wapate faida kubwa, hakuna cha miujiza hapa. wala sioni sababu ya kuwapongeza, kitendo cha kuwapongeza ni sawa na kumpongeza MWIZI kwa dhulma aifanyayo.
 
Mashirika ya umma na makampuni ya Serikali ni moja katika uozo aliotuwachia Nyerere, kama ilivyo yeye, alikosa mafanikio kwa kila alichokifanya na hayo mashirika yake hali kadhalika.
 
Ole said:
Kutokana na faida hiyo wamelipa kodi kiasi gani?
Click to expand...

1) 30% ya faida kama kodi ya mapato.

2) Kodi za majengo, viwanja, mabango.

3) Kodi za ongezeko la thamani kila wanaponunua vitendea kazi.

Na nyingine, kama import Tax wanapoagiza vitu na hidden taxes kibaaao.
 
Majimshindo said:
1) 30% ya faida kama kodi ya mapato.

2) Kodi za majengo, viwanja, mabango.

3) Kodi za ongezeko la thamani kila wanaponunua vitendea kazi.

Na nyingine, kama import Tax wanapoagiza vitu na hidden taxes kibaaao.
Click to expand...

Mkuu hiyo ndio requirement kama sikosei watuambie wenyewe au kama wewe unafahamu si unaona faida wameisema ni vizuri wakiweka figures maana hilo ndio la maana kwa walala hoi kufahamu kwamba wameilipa isije ikawa ngonjera kwamba wamelipa.
 
Ole said:
Mkuu hiyo ndio requirement kama sikosei watuambie wenyewe au kama wewe unafahamu si unaona faida wameisema ni vizuri wakiweka figures maana hilo ndio la maana kwa walala hoi kufahamu kwamba wameilipa isije ikawa ngonjera kwamba wamelipa.
Click to expand...

Baada ya mahesabu yao ya mwaka kufanyiwa uhakiki (Audit), mabenki yote Tanzania na si hii tu, hutowa hesabu zao za mwaka kwenye magazeti, kinaga ubaga, hakuna siri katika hayo. Mpaka mgao wa wenye hisa huonyeshwa.
 
The Boss said:
Mkanunue hisa huko nmb..
Msibakie kulalamika tu
Click to expand...

Mkuu wanunua hisa hawanunui tu kwa sababu kampuni imesema inapata faida bali vile vile ethics za kampuni inaweza kuwa kanyaboya tu hiyo. Ukiangalia hata nje ya bongo kampuni ikitangaza faida inaonyesha na kiwango ilicholipa kodi na vitu kama hivyo, faida imetokana na biashara ipi quarter to quarter etc. Mambo ya kuuziwa mbuzi kwenye gunia anayaweza JK, EL pamoja na RA.
 
Majimshindo said:
Baada ya mahesabu yao ya mwaka kufanyiwa uhakiki (Audit), mabenki yote Tanzania na si hii tu, hutowa hesabu zao za mwaka kwenye magazeti, kinaga ubaga, hakuna siri katika hayo. Mpaka mgao wa wenye hisa huonyeshwa.
Click to expand...


Mkuu kama utakumbuka Barclays baada ya kutangaza faida walionekana kulika Corporate tax ya 2.5% badala ya 27% na kama ulifuatilia hiyo issue one of their branches in UK ilivamiwa na waandamanaji. Kinachoshangaza kwa nini waseme faida bila kusema kodi waliyolipa? Just asking?
 
Mkuu Ole.. dah long time!
Hawa jamaa wanatufanya watanzania majuha!
Huu ni unyonyaji 100% wa jasho la watanzania. i wonder Wabunge wetu, Wizara ya fedha na BOT wanafanya nini? We really need a Financial Reform kama iliyofanyika USA last year! Hali ya maisha imekuwa ngumu kwa raia..ni wakati sasa kwa serikali kuingilia kati na kupunguza makali!
 
Wakuu,mi sishangai perfomance ya nmb hata kidogo. Mimi kama mhasibu nikiangalia vitabu vya nmb na beki iliyopata faida kidogo kama crdb naona better crdb au std chartered. Kumbuka vitu kama window dressing na creative accounting vinajitokeza sana nmb zaidi ya benki zingne. Pia nmb inalipa kodi kidogo zaidi ya benki nyingine,kuna ruzuku ya serikali,na sapoti ya serikali. Aya yote yanaifanya ionekane iko juu. Huwa namaliza mchango wangu kwa kutoa asainimenti. Angali mwaka jana,nmb ilikuwa na net profit kubwa,rudi crdb ilikuwa na gross profit kuliko nmb,ukikata kodi basi nmb isiyolipa kodi inatangulia mbele. Hivi vitu viko too technical,usishangae angalia stability ya benki. Benki nyingi hazishindani na nmb kwanza hailipi kodi,ina sapoti ya govt,ina share asset/liquidity na govt.ina wateja wengi wakiwa watumishi wa umma,vitu vingi tu. Ila mwishowe,tunapaswa tuipongeze,mana inaweza ikawa na aya yote bado ikapata loss kwa uzembe. Nawapongeza Nmb.
 
Majimshindo said:
Baada ya mahesabu yao ya mwaka kufanyiwa uhakiki (Audit), mabenki yote Tanzania na si hii tu, hutowa hesabu zao za mwaka kwenye magazeti, kinaga ubaga, hakuna siri katika hayo. Mpaka mgao wa wenye hisa huonyeshwa.
Click to expand...

mkuu iyo itakuwa mpya kwangu,maana nijuavyo sheria inataka reporting iwe set on Quarters. Pia shareholder wawe aware on quarter perfomance. Haya ya mwaka sijui ni requirement ya nchi gani?
 
Gsana said:
Wakuu,mi sishangai perfomance ya nmb hata kidogo. Mimi kama mhasibu nikiangalia vitabu vya nmb na beki iliyopata faida kidogo kama crdb naona better crdb au std chartered. Kumbuka vitu kama window dressing na creative accounting vinajitokeza sana nmb zaidi ya benki zingne. Pia nmb inalipa kodi kidogo zaidi ya benki nyingine,kuna ruzuku ya serikali,na sapoti ya serikali. Aya yote yanaifanya ionekane iko juu. Huwa namaliza mchango wangu kwa kutoa asainimenti. Angali mwaka jana,nmb ilikuwa na net profit kubwa,rudi crdb ilikuwa na gross profit kuliko nmb,ukikata kodi basi nmb isiyolipa kodi inatangulia mbele. Hivi vitu viko too technical,usishangae angalia stability ya benki. Benki nyingi hazishindani na nmb kwanza hailipi kodi,ina sapoti ya govt,ina share asset/liquidity na govt.ina wateja wengi wakiwa watumishi wa umma,vitu vingi tu. Ila mwishowe,tunapaswa tuipongeze,mana inaweza ikawa na aya yote bado ikapata loss kwa uzembe. Nawapongeza Nmb.
Click to expand...


Napata na wasiwasi na wewe mwasibu ambaye una sema NMB, AMBAYO ni PLC (PUBLIC LIMITED COMPANY) Alafu haipi kodi, huo UHASIBU WAKO unanipa shaka sana, na nimepigwa bumbuwazi,
  • NMB inalipa kodi kama benki yoyote iliyoyote , serikali ya tz ina share NMB , na hii kuwa na share nmb, haifanyi nmb KUTOLIPA KODI
  • Kuhusu ruzuku, NMB, haipati ruzuku yoyote kutoka serikali, NMB inakiendesha kwa faida yake yenyewe.
MASHAREHOLDER WA NMB NI
The current shareholders of NMB are:

1. Rabobank 34.9%
2.The Government of the United Republic of Tanzania3 0.0%
3. Public2 1.0%
4. National Investment Company Limited (NICOL) 6.6%5.
5.Exim Bank Tanzania5.8%
6. Tanzania Chambers of Commerce Industries and Agriculture (TCCIA Investment Co.Ltd )1.7%
 
Brutus said:
Mkuu Ole.. dah long time!
Hawa jamaa wanatufanya watanzania majuha!
Huu ni unyonyaji 100% wa jasho la watanzania. i wonder Wabunge wetu, Wizara ya fedha na BOT wanafanya nini? We really need a Financial Reform kama iliyofanyika USA last year! Hali ya maisha imekuwa ngumu kwa raia..ni wakati sasa kwa serikali kuingilia kati na kupunguza makali!
Click to expand...



Unafikiri financial reform ndo itapunguza ugumu wa maisha! Hell no! We need regime reformation and at most regime change.
 
yeah... kama kawa.. busy kucheki bottom line wakati huduma bado mbovu sana, mnabana overheads na kufyonza unfair setting ya priviledges mnazopewa na government

congratulations to you
 
PayGod said:
ATM moja inauzwa zaidi ya million 70, watu wawili wanahitajika kwa ajili ya kuhudumia ATM, Mlinzi, karatasi zinazotumia (atm journal roll+ATM receipt), na umeme, jengo(kibanda cha ATM), je BRUTUS haya mabenk yatarudisha vipi hizi gharama walizotumia na wanazotumia kama hawatacharge kila unapotoa fedha kwenye ATM?
Click to expand...

Naona bei yako uliyotoa si ya ukweli. Angalia baadhi ya links hapa chini:
ATM Business | ATMs for Sale | ATM Supplies | ATM Accessories | ATM Signs | ATM Machine | Buying an ATM
ATM machines | ATM machines for sale | ATM store | ATM Network Inc.

etc
 
You must log in or register to reply here.

Similar Discussions

Back
Top Bottom
Forums
New posts
Post thread
Back