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Mzee Mwanakijiji,
Nimezisoma zote hizo mbili za mwanzo kwakweli hakuna cha muhimu kilichozungumziwa zaidi ya siasa tu. Kama alivyosema Gurudumu at least hii ya mwisho ya Pension Watch imezungumzia zaidi but haijachambua vya kutosha kwani Pension funds and Other thrift institutions zimekuwa zikijiingiza si tu katika infrastructure bali hata kwenye financial markets particularly kuwekeza katika makampuni makubwa kwa kununua shares na kukopesha kwenye bond markets.
Tuje katika madai ya kwamba hakuna misingi ya kuregulate hizi thrift institution hilo sio kweli na infact mnaosema hili hamjafanya your homework vizuri. Banking and Financial Institution Act ya mwaka 1991 ilikuja kufungua mianja ya sekta ya fedha na ikaweka misingi ya vp hiyo sekta iendeshwe. Vile vile Bank of Tanzania Act ya mwaka 1995 iliweka misingi ya vipi hizi sekta za fedha ziwe zinasimamiwa. Pia katika industry husika (social security) kuna Act mbali mbali zilianisha utaratibu wa kuendeshwa kwa hizo sekta. National Provident Fund of 1964 amended in by the Nationa Social Security Act of 1997, Parastatal Pension Fund of 1978 , Public Services Retirement Benefit Act of 1999 and National Health Insurance Act of 1999 na LAPF Act of 2000. Hivyo wanandugu framework zipo na zimekaa vizuri kwani mfumo wake hauna tofauti sana na uliopo katika nchi za Marekani na UK.
Kuhusu lack of regulator of these pension funds and insurance companies at the moment Bank of Tanzania ndio msimamizi wao mkuu but serikali iko katika mchakato wa kuanzisha hilo nadhani walianzisha Social Security Regulatory Authority Act 2008 . Nadhani mwaka jana walikuwa wako mbioni kwani walikuwa wanatafuta Director General wa Regulator. Nakumbuka tarehe 2 January 2011 walitangaza kuwa itakuwa operational this September 2011. Kwahivyo serikali inajiandaa kulitekeleza hilo but Bank of Tanzania still ina perform function ya kuregulate.
Ijapokuwa hiyo Authority haijawa operational hakumaanishi ya kwamba hizi Thrift institutions zisijipanue. Basle 2 ilipokuja iliweka kiwango cha mwisho hizi financial institutions zinatakiwa ziwe na pesa katika balance sheet zao ili kuziwezesha ziweze kuwekeza katika sekta mbali mbali. Hili lilifanywa kwasababu ilionekana hizi institutions zinahela nyingi but zimebanwa mno na usimamizi. Ndio maana ukaona PPF, NSSF zikaanza kujitanua kuwekeza katika majengo na sekta zenginezo. Nia na madhumuni kwanza kupunguza hizi institutions kukaa na pesa nyingi katika mifuko yao (kitu kinachoweza kuchochea ufisadi na mifano ipo kuna thread humu DG wa PPF anatuhumiwa kuiba milioni 500 unadhani chanzo kikuu nini?) , Pili hizi sekta zikikaa na pesa nyingi zinakuwa hazitanuki kimaendeleo na matokeo ni kuwa poor services na kadhalika. Tatu zikitanuka zinachochea maendeleo katika jamii.
Sio kila kitu waungwana muweke conspiracy theory kuna vitu vengine acheni taaluma za watu zifanye kazi zao kwani wanajua wanachokifanya. Moja ya watu wanaojua nini wanafanya ni Dr Dau and I support him kwani it makes sense anachokifanya sio yule anayepita akihonga akina mama na kuzila pesa hovyo!!!!
Mkuu, wamesema wataweka vituo vya kukusanya pesa kwenye barabara mpaka pesa zao zitakaporudi then wanakabidhi barabra hiyo kwa serikali. Kwahiyo ukipita na gari lako sehemu watakakojenga barabra unalipia.
Mdondoaji mkuu wangu, kwa nini nichangie pesa zangu kwenye mfuko kwa lazima na sina access nao?
Unajua kilichoua Tanzania Housing Bank? Unajua kilichotaka kuiua NBC mpaka ikawa split into Two? Hao international consultancies wanaokuja kufanya utafiti wengi wanaogopa kusema ila ndio linalochangia kufa kwa financial institutions nyingi nalo ni ufisadi na kukosekana kwa uwajibikaji kwenye Bank na Financial Institutions. Umesahau lile scandal la Mkulo pale NSSF? Sasa hivi tuna Scandal ya Erio sijui Urio wa PPF yote inachangiwa na systemic risk iliyopo katika financial institutions ambayo ni bad governance.
Tunatakiwa kuamini kuwa NSSF itakuwa na good governance muda wote? Ni kitu gani kitazuia wanasiasa kuingilia kati mambo ya NSSF either kwa uteuzi unaofanywa na Rais au teuzi zinazofanywa na Waziri?
Being a specialist in electricity sector...I will speak only of their move to generate as IPP...
they initially engaged non engineers to design project just because they sawa power generation deficit...
After I had a chance to see the proposal...oh! Salale!
Vizuri kupitia document ya Pension Watch maana inahusiana sana na mjadala wetu hapa
How? You'd better tell us specifically and in a detailed manner why you think this particular document is relevant to this discussion.
MMKJJ: Mimi nimtaalam katika nyanja ya Investments tena katika miradi mikubwa ya maendeleo, tume-outsource na ku-plan miradi mikubwa sana EU, Middle east na UK kwa kifupi hapa umegusa eneo langu la kujidai.
Arafat asante sana maana hapa umechangia mawazo muhimu sana na umenisaidia sana kufikiri maana nilikuwa naona hiki kitu kama instinct zangu tu bila kuwa na rational argument either way. Ngoja tuone kama tunaweza kupata taarifa zaidi nitaweka kwenye post ya kwanza.
Wakiwakopesha serikali ni wazo zuri ila wakiendesha wao wenyewe mh nadhani ni akili za unazi una hakika na hizi taarifa maana navyojua mie NSSF wanawajengea serikali hivyo ni mkopo wa masharti nafuu kwa serikali. Maana sijui wanacharge bei gani maana wakicharge 10,000 kwa kila gari nadhani nitaliweka limkweche wangu ndani na kutembea kwa miguu ninakotaka kuenda haina maana.
naona unaelekea kile kilicho nyuma ya swali langu.. thanks.. Kwanini NSSF ionakane kuwa itaweza kufanya yale ambayo Serikali ya CCM imeshindwa kufanya? Hivi NSSF ikipewa Bandari, ATCL, Tanesco.. itashangaza..? Something is not right.. ! Tatizo siyo NSSF kuwekeza tatizo ni kwanini wanaamini NSSF itafanikiwa pale ambapo TANROADS imeshindwa, pale ambapo TANESCO imeshindwa n.k Yawezekana NSSF ina fedha zaidi kuliko serikali?
Tunatakiwa kuamini kuwa NSSF itakuwa na good governance muda wote? Ni kitu gani kitazuia wanasiasa kuingilia kati mambo ya NSSF either kwa uteuzi unaofanywa na Rais au teuzi zinazofanywa na Waziri?