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Nna wasiwasi na huduma hizi (M-pesa, Zpesa, tiGO pesa & ZaP) 'mobile banking'.

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Avatar, Jun 25, 2011.

  1. Avatar

    Avatar JF Gold Member

    #1
    Jun 25, 2011
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    Kwa ninavyojua Bank za kawaida e.g. CRDB, NBC etc. zimesajiliwa B.O.T na zimedeposit fedha kiasi fulani B.O.T just encase zikafilisika fedha hizo hutumika kuwafidia wateja wao....Wasiwasi wangu ni juu ya haya makampuni ya simu yanavyo offer some banking services (M-pesa, Zpesa, tiGO pesa & ZaP) na watanzania tumezichangamkia huduma hizi kwelikweli!!... 1. Hivi haya makampuni yamefuata utaratibu kama mabenki?... 2. Wamedeposit amount kiasi gani B.O.T as their collateral?... 3. Endapo kama yakifilisika watanzania hatutapata hasara kweli? Usalama wa pesa zetu upoje?... 4. Wanalipa kodi kama mabenki au kama makampuni ya simu? Inabidi tupate mchanganuo kidogo hapa!Tujadili..
     
  2. VoiceOfReason

    VoiceOfReason JF-Expert Member

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    Kujibu Maswali yako.....
    Hapana hayafati utaratibu wa Mabenki lakini I think you should worry about money laundering na kutokulipa Kodi kwao...

    Suala la kufirisika ndugu yangu am sorry to say hata hizo Benki zikifilisika au UChumi wa nchi uki-go under usitegemee kwamba utarecover pesa zako zote...,

    Sijui kuhusu Benki za Bongo lakini hata UK government inaguarantee kukurudishia maximum fulani ya pesa zako kama benki ikifilisika na ukiwa na pesa zaidi ya hapo umeliwa...,

    And its not practical kumrudishia kila mtu mfano hata 1930s America uchumi ulivyoanguka watu walijikuta wamelala matajiri na kuamka masikini.
     
  3. Avatar

    Avatar JF Gold Member

    #3
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    Nimeelewa, kama hayafuati utaratibu wa mabenki (of cause kwa sababu sio mabenki) Lakini yanatoa huduma za kibenki, ningependa sana kufahamu utaratibu unaotumika katika kuwaruhusu waprovide huduma hizi... HUENDA wakawa wajianzia tuu!..
    I understand, fedha zinazohifadhiwa B.O.T ni kwaajili ya kumpa fidia mteja.. just kusaidia from the financial loss he is suffering, na sio kumrecover hela yote aliyopoteza. Hii inasaidia sana hasa kwa mtu aliyekua na account moja.
     
  4. VoiceOfReason

    VoiceOfReason JF-Expert Member

    #4
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    True sababu yanatoa huduma za Kibenki inabidi yafate taratibu za kibenki lakini hayafati..., Nadhani huu ni baadhi ya ujanja ujanja mwingi unaofanyika katika hii nchi yetu ya Tanzania

    Mimi mpaka leo sina uhakika hata kama hizi kampuni za simu zinalipa kodi zote inazotakiwa kulipa.
     
  5. Kang

    Kang JF-Expert Member

    #5
    Jun 25, 2011
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    BOT inaprovide insurance the account za Benki kwa kiasi kisichozidi 1.5 million shillings, nadhani ni kwa account zote za mtenja mmoja,so ukiwa na account mbili zenye 10 mill each, Benki ikifungwa uko guaranteed 1.5 mill.

    Bank za Tanzania zinachangia asilimia 0.15 ya deposits zake kama insurance, so usifikiri hiyo michango yake itakuokoa.

    Sijui TZ M-Pesa inaoperate vipi ila Kenya hela zilizopo kwenye system zipo kwenye fund, ambayo haiwezi kuguswa na M-pesa, pia iko separate from Safaricom, so safaricom ikifilisika hizo hela watarudishiwa wateja tu, haziingii kwenye mgawanyo wa kufilisika.

    Basically hela zilizopo kwenye M-pesa always ni mali ya wateja wake na hazitumiki na M-pesa tofauti na Benki ambayo inachukua deposit za mteja A na kumpa mkopo mteja B.

    Kama bado una wasiwasi ningekushauri utumie M-pesa na hizi service kutuma na kopoke tu usiweke balance kubwa.
     
  6. G

    Gashle Senior Member

    #6
    Jun 25, 2011
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    Mjadala mzuri sana, pamoja na mawazo mazuri ya wachangiaji, nafikiri ni vema tujikumbushe namna mfumo huu unafanya kazi, hii huenda ikasaidia kujibu maswali mawili matatu. Nijuavyo mimi:
    1. Hizi huduma zimemlenga mteja mdogo mdogo (nasikia maximum limit ni kama sio laki tano, then miliion moja). Na pia lengo sio kufanya hii huduma kuwa benki (nikimaanisha hauwi encouraged kuweka pesa zako kwenye M Pesa, zaidi sana tumia M Pesa. Hii ina maana kubwa, nikitoa mfano, kama una kipato cha tuseme shs. milioni moja kwa mwezi, unaweka laki mbili kwa M pesa ukiwa na uhakikia kuwa muda si mrefu nitalipa umeme (50,000), nitatumia mtoto pocket money (50,000), nitalipa maji (50,000) nk. Kwa hiyo unakuta msisitizo uko zaidi kwenye huduma hii ku "facilitate" na sio kufanya kama huduma ya "savings".
    2. Pia, kama kuna hizo limits, hata ukisema uifanye iwe ya kuweka savings, then maximum yako kama ni kubwa sana itakuwa million moja, so habari ya kama if worse comes utakuwa umepoteza kwenye hiyo limit, unlike ma benki ambako mmeweka mabilion yenu.
    3. Niliwahi muuliza mshkaji mmoja wa BOT akaniambia wameyalazimisha haya makampuni kama Voda, Tigo na Airtel kufungua kitu inaitwa "Trust Company" na "Trust Account" ambazo zote zimelenga kulinda zile "deposits" za mtumiaji. Maelezo aliyonipa siwezi kuya summarise hapa, ila siku nikielewa vizuri zaidi na kwa ufupi nita share hapa.

    Kwa leo tuongeze na haya katika mjadala.
     
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    Avatar JF Gold Member

    #7
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    Hapa ndo nnapopataka!..
     
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    Avatar JF Gold Member

    #8
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    Asante kwa information hizo mkuu...
    Hold on mkuu, hapa umenichanganya kidogo...Inawezekanaje kampuni likafilisika nusu na nusu ikabaki?? au unamaananisha safaricom na M-pesa ni makampuni mawili tofauti!??
    Naomba maelezo kidogo juu ya hiyo fund uliyoiongelea hapo ambayo haiwezi kuguswa!..
     
  9. Avatar

    Avatar JF Gold Member

    #9
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    Okey!.. Labda katika M-pesa ndo kuna limitation lakini mimi sijawahi kuisikia, By the way watanzania wengi tuu wanazitumia huduma hizi kama saving account zao...
    Mkuu, ukiwa na ZaP (huduma ya zain/Airtel) una uwezo wa kuaccess your bank account through ur mobile. Unaweza ukatoa fedha kutoka kwenye ZaP ukaziingiza kwenye saving account yako au ukatoa kwenye saving account yako ukaziingiza kwenye ZaP account yako. Note that; Tanzania Postal Bank wanaoffer this kind of service. Sidhani kama kutakua na ubishi hapa.. Hii ni huduma ya kibenki kabisa!..
    Mh!.. Kweli tunahitaji maelezo kidogo juu ya hili kwamaana ''trust accounts'' nnavyozijua haziwezi kumlinda mteja na effects zinazotokana na kufilisika kwa kampuni.
     
  10. serio

    serio JF-Expert Member

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    mimi swali langu ni moja...once i die, who will take charge of the money i deposited with m-pesa?? Sijaona kipengele cha next of kin on registering...
     
  11. G

    Gashle Senior Member

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    Mkubwa Avatar,

    Kuhusu limits ni ukweli zipo, mwanzoni uliweza kufanya transaction/transfer ya mpaka TZS 500,000 kwa siku, ukizidisha system inagoma (tunaambiwa hilo ni agizo la BOT kwa hao jamaa wote, sio M Pesa tu, hata ZAP na wengine). Kwa sasa limit imeongezwa mpaka TZS 1 Million, zaidi ya hapo huwezi. Sema kama ulivyosema ni Watanzania wachache wanajua habari hizi, na hawa jamaa naona hawajafanya aggressive campaign ya kuelewesha wananchi.
    Pili, ile accessibility ya ZAP na Account yake bado ina fall within hiyo limit iliyowekwa (TZS 1 Million). Unaweza kuhamisha toka kwenye akaunti na kuleta kwenye simu, bora tu iwe ndani ya kiwango hicho.
    Yule mshkaji nitam convince ajiunge JF atumwagie hizo nondo, kama vile nilikuwa namuelewa sema labda mimi uwezo wa kuweka hapa ndio mdogo hivi.
    Wasalaam
     
  12. Avatar

    Avatar JF Gold Member

    #12
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    Good question aisee!.. Ukisha kufa inabidi ndugu zako wamchague mrithi then akadai, procedures zake sasa.....!
     
  13. Avatar

    Avatar JF Gold Member

    #13
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    Mkuu, Nnadhan nimekuelewa vizuri sana... Ila limitation ya transactions (1,000,000) ina limit transactions za mteja per day? Kama ndio hapo sasa ndipo tatizo linapotokea kwasababu hiyo haijalimit amount ambayo nnatakiwa kuwa nayo katika account yangu ya simu....Hii inamaananisha nna uwezo wa kuweka 900,000 kila siku kwenye account yangu ya M-pesa, Zpesa, tiGO pesa or ZaP?.. Inabidi tujue na hili pia!
     
  14. T

    TEGEMEA JF-Expert Member

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    Tunashauriwa kutumia huduma hizi kwa kuweka na kuchukua fedha tuu,na kamwe zisitumike kama saving accounts.
     
  15. Avatar

    Avatar JF Gold Member

    #15
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    Mh!.. Kama tunashauriwa hivyo, kwanini hawajaweka limited time ya hela kukaa kwenye simu yako?? Kwa mfano, kuna huduma ya NMB unatumiwa passwords kwenye simu na unatakiwa kwenda kuchukua ndani ya SIKU TATU ama sivyo zinarudi kwa sender!..
     
  16. Rogie

    Rogie JF-Expert Member

    #16
    Jun 25, 2011
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    Umeongea ukweli ndugu yangu..M-pesa inavyofanya kazi ni sw na benki ila tofauti iliopo ni kuwa mteja wa m-pesa anayo pesa yake kwenye simu yake(kumbuka hp laini yake imegawanywa katika mafungu mawili) na kwenye benki ww ukiweka pesa yako mm naenda kuikopa uloweka ww...mwisho wa siku benki ikiilisika ww huna pa kuzipata pesa zako isipokuwa utapewa fidia tu..wkt kwenye m-pesa kampuni ikifilisika ww hela yako bado unayo mikononi mwako.
     
  17. Rogie

    Rogie JF-Expert Member

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    Kuna madaraja yanaitwa Tier 1 na Tier 2(naongelea m-pesa). Mteja wa Tier 1 maximum transaction anayoweza kuifanya kwa siku ni tsh laki 5 hii ni either kuweka au kutoa. Huyu mteja anakapofanya transaction zake zoote zikafikia 1.7 million(kutoa na kuweka kwa kipindi fln) inamwekea limit ambpo sasa atatakiwa kujaza fomu na kuhamishiwa tier 2 ambpo maximum limit ni 10 million km cjasahau.
     
  18. VoiceOfReason

    VoiceOfReason JF-Expert Member

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    Ni Kampuni ya pesa ikifilisika leo utaona kwamba agents wote wataacha kulipa wateja na pesa zitafia pale zilipo wale maagent watazingangania na wale waliotuma hawataweza kuzichukua tena na waliotumiwa watakuwa hawana sehemu ya kwenda kuzichukua.. Nothing is Full Proof mkuu
     
  19. Rogie

    Rogie JF-Expert Member

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    Great!!! Zinatakiwa zifanye deposit pia aise
     
  20. VoiceOfReason

    VoiceOfReason JF-Expert Member

    #20
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    Sawa ila deposit wapi sababu hata huko kwenye deposit mambo yakienda kombo ni yale yale
     
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