One of the quick ways of making money if you are in Dar.

Si kila biashara iko kwenye tax bracket. Biashara nyingi sana zinafanyika lakini TRA hawawezi kuzifikia kwa sababu tax net yao iko narrow sana. Hivyo fanya biashara,lipa kodi sahihi,kama kuna namna ya kupunguza mzigo wa kodi upunguze lakini usivunje sheria(kuupunguza mgizo wa kodi si kosa kama unafanya kulingana na loophole zilizopo kwenye sheria)

mkuu mponjoli.... asante sana...... hapo kwenye underlines umenisaidia sana kutoa maelezo mazuri
 
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Mambo siyo rahisi kihivyo Bongo bana
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tatizo letu waswahili ni attitude!ungekuwa ulaya ukaambiwa upige deki mcdonald's ungeona sawa tu!ugumu uko wapi,ongelea challenges zitolewe ufumbuzi!tena location nzuri buguruni kwa mnyamani manake wana-save nauli ya kuenda kununua luku!
 
mkuu ... watu wanamiradi mikubwa ya kuku wa nyama na mayai, wengine n'gombe wa maziwa zaidi ya ishirini na hawana TIN wala certificate of company registration

more important here is the business idea to be a sweet one..... other things are just procedures

lets push the wheel and success will cherish

LAT, nilisema hapo juu kwamba kibiashara ni wazo zuri, but what I meant is the practical impossibilty of LUKU VENDING business taking off with meagure capital of the mentioned amount of cash.
 
LAT, nilisema hapo juu kwamba kibiashara ni wazo zuri, but what I meant is the practical impossibilty of LUKU VENDING business taking off with meagure capital of the mentioned amount of cash.

mkuu ... nimekusoma lakini hii biashara ni possible as an indirect LUKU VENDER .... considering that the creativity of the business model will also target its own customer segment ..... the aim here is far enough that, the entrepreneur wants to offset unnecessary cost at the infant stage before he grows
 
Business planning Bongo Style!
To be a luku VENDOR you must be legally registered with Brela na uwe na TIN kutoka TRA. To get that TIN you must prove that you either own or rent your b'ness premises so that TRA could easily collect their property and withholding Tax. Blackberry cellphones are damn expensive here (note that they're sold without accessories) and the printer will need ink or roll refil regulary.
Hujaunganishwa na Tanesco bado. Wazo ni zuri kibiashara, but you ought to dig very deep into your pocket.

Mkuu maybe let me explain kwa faida ya wote, the way i did it mwanzoni from Zero grazing. Last year but one of my friends in Dar called me and told me kuna biashara nzuri sana lakini inaitaji mtaji mkubwa sana. But he gave me very strong conditions that i must travel to Dar. Kesho yake nilifunga safari hadi dar. Alinipeleka kwa raki yake mwenye kumiliki kituo cha kuuza Luku. He wanted tufanye kazi wote lakini yeye alikua hana mtaji. We decided to go to Tanesco with an application letter. Secretary fulani pale Tanesco ubungo discourage us very much bcoz Tender ilisha tangazwa na zilikuwa zimebakia only 2 days to close the Tender. All the necessary documents required ilikuwa lazima nirudi Mkoani na niza kutafuta. Hapo it was saa tisa mchana. Rafiki yangu gave up and he said we can't make it and after all we didn't have the capital of 10m as a deposit ya Tanesco as per the contract. Sikumsikiliza, i just told him aniache for a while niende kwa one of my classmates kule Sinza.
My plan was to look for any vehicle going mkoani. I landed on a fuso going to Mkoani kwetu pale ubungo petrol station. I left Dar without informing my friend (alikuwa ananiletea usiku). I sent him an sms at 0300hrs at night when i was about to get home. When I arrived home i went straight to my sister and she discouraged me too. I ignored her, i went home i looked for all the necessary documents, at 1700hrs the same day i managed to get another Fuso za kupakia mizigo kwenda Dar. I left home that night for Dar. The next day i was in Dar at 1130hrs and the Tender was to be closed at 1400hrs the same day. Nilichoka ile mbaya. Nikawakilisha my documents and I paid the 50,000 fee for the tender. After some time mwaka jana i got a call from Tanesco Dar instructing me to report makao makuu ya Tanesco kwenye mkoa wangu. I went there nikapeleka wahusika kukagua sehemu nilizo omba na rafiki yangu. I we won the Tender from nowhere. Sasa mtihani ulikuwa where to get the 10m????? Wote we had no money.
My friend came up with the idea of selling off the Tender. Duh! Nikagoma. i requested my sister to help me with 100,000 instead she gave me 40,000. in my bank account i had 100,000. I bought Zain phone at 20,000 (zile za promotion at that time) and i engaged it with Zap ya 50,000 i got a better location nikaweka Tangazo la Luku. Within 4hrs nikauza yote 50,000 and my profit was 5000. I decided to get zap ya pesa zote nilizo kuwa nazo and I went on reinvesting all the profit I got for 4 consecutive months.

After my calculations, I managed to open 15 areas by talking to shopkeepers whose rent was not more than 30,000 a month. Under the conditions that, I pay for the rent and he has to sell my product. For them they thought wamenikamata lakini pia mimi niliona nimewakamata bcoz my money was safe I just wanted a profit of 9,000 per day for every transaction of 100,000 I made. Guys am not kidding i managed to get the 10m within 6 months. But it was not easy. Today, i and my friend we are one of the Luku vendors under Tanesco.
Benki zetu hazitoi mkopo wa kuanzisha biashara na pesa zimezagaa mtaani kutokana na mabadiliko ya technology ya dunia today. Sometimes opportunity comes ones before your body cells are won out.
Biashara ya huduma kwa jamii pays off, you can't regret why you went to school so long as you have plans.
Sasa jamani kama mimi niliweza kwanini wewe mwenye shida ya pesa pia usiweze??? kuna maajabu gani hapo?
 
Business planning Bongo Style!
To be a luku VENDOR you must be legally registered with Brela na uwe na TIN kutoka TRA. To get that TIN you must prove that you either own or rent your b'ness premises so that TRA could easily collect their property and withholding Tax. Blackberry cellphones are damn expensive here (note that they're sold without accessories) and the printer will need ink or roll refil regulary.
Hujaunganishwa na Tanesco bado. Wazo ni zuri kibiashara, but you ought to dig very deep into your pocket.

Mkuu maybe let me explain kwa faida ya wote, the way i did it mwanzoni from Zero grazing. Last year but one of my friends in Dar called me and told me kuna biashara nzuri sana lakini inaitaji mtaji mkubwa sana. But he gave me very strong conditions that i must travel to Dar. Kesho yake nilifunga safari hadi dar. Alinipeleka kwa raki yake mwenye kumiliki kituo cha kuuza Luku. He wanted tufanye kazi wote lakini yeye alikua hana mtaji. We decided to go to Tanesco with an application letter. Secretary fulani pale Tanesco ubungo discourage us very much bcoz Tender ilisha tangazwa na zilikuwa zimebakia only 2 days to close the Tender. All the necessary documents required ilikuwa lazima nirudi Mkoani na niza kutafuta. Hapo it was saa tisa mchana. Rafiki yangu gave up and he said we can't make it and after all we didn't have the capital of 10m as a deposit ya Tanesco as per the contract. Sikumsikiliza, i just told him aniache for a while niende kwa one of my classmates kule Sinza.
My plan was to look for any vehicle going mkoani. I landed on a fuso going to Mkoani kwetu pale ubungo petrol station. I left Dar without informing my friend (alikuwa ananiletea usiku). I sent him an sms at 0300hrs at night when i was about to get home. When I arrived home i went straight to my sister and she discouraged me too. I ignored her, i went home i looked for all the necessary documents, at 1700hrs the same day i managed to get another Fuso za kupakia mizigo kwenda Dar. I left home that night for Dar. The next day i was in Dar at 1130hrs and the Tender was to be closed at 1400hrs the same day. Nilichoka ile mbaya. Nikawakilisha my documents and I paid the 50,000 fee for the tender. After some time mwaka jana i got a call from Tanesco Dar instructing me to report makao makuu ya Tanesco kwenye mkoa wangu. I went there nikapeleka wahusika kukagua sehemu nilizo omba na rafiki yangu. I we won the Tender from nowhere. Sasa mtihani ulikuwa where to get the 10m????? Wote we had no money.
My friend came up with the idea of selling off the Tender. Duh! Nikagoma. Then i asked him if he was suffering from what to do. I requested my sister to help me with 100,000 instead she gave me 40,000. in my bank account i had 100,000. I bought Zain phone at 20,000 (zile za promotion at that time) and i engaged it with Zap ya 50,000 i got a better location nikaweka Tangazo la Luku. Within 4hrs nikauza yote 50,000 and my profit was 5000. I decided to get zap ya pesa zote nilizo kuwa nazo and I went on reinvesting all the profit I got for 4 consecutive months.

After my calculations, I managed to open 15 areas by talking to shopkeepers whose rent was not more than 30,000 a month. Under the conditions that, I pay for the rent and he has to sell my product. For them they thought wamenikamata lakini pia mimi niliona nimewakamata bcoz my money was safe I just wanted a profit of 9,000 per day for every transaction of 100,000 I made. Guys am not kidding i managed to get the 10m within 6 months. But it was not easy. Today, i and my friend we are one of the Luku vendors under Tanesco.
Benki zetu hazitoi mkopo wa kuanzisha biashara na pesa zimezagaa mtaani kutokana na mabadiliko ya technology ya dunia today. Sometimes opportunity comes ones before your body cells are won out.
Biashara ya huduma kwa jamii pays off, you can't regret why you went to school so long as you have plans.
Sasa jamani kama mimi niliweza kwanini wewe mwenye shida ya pesa pia usiweze??? kuna maajabu gani hapo?
 

Benki zetu hazitoi mkopo wa kuanzisha biashara na pesa zimezagaa mtaani kutokana na mabadiliko ya technology ya dunia today. Sometimes opportunity comes ones before your body cells are won out.
Biashara ya huduma kwa jamii pays off, you can't regret why you went to school so long as you have plans.
Sasa jamani kama mimi niliweza kwanini wewe mwenye shida ya pesa pia usiweze??? kuna maajabu gani hapo?


PD.... Nnaomba nitoe shukrani zangu za dhati kabisa hapo kwenye Underline
 
mkuu ... mtoa mada hajazumgumzia chochote kuhusu kutokulipa kodi .... that is wrong perception ..... kama mtu ana good business idea na system za ukusanyaji kodi zipo vague kwanini uanze kuhofia mambo ya kodi .....?

hizo procedures ni za kawaida kabisa ... kinachuzungumziwa hapa ni kwamba biashara hii yaweza kuwa nzuri ...period and who ever implement it is also very important ... kwani unaweza anzisha bila good marketing strategy na uka fail na hata hiyo kodi ukashindwa kulipa ..... biashara lazima ilipe ndipo ufikirie kuifanya

Mkuu i just wanted to share with some of the guys who think most of the things are impossible. One can always be where he wants to be if his determined. Kuhusu Tax hilo ni jukumu la mfanya biashara and long term business plans.
 
Mkuu maybe let me explain kwa faida ya wote, the way i did it mwanzoni from Zero grazing. Sikumsikiliza, i just told him aniache for a while niende kwa one of my classmates kule Sinza. Nilichoka ile mbaya. Nikawakilisha my documents and I paid the 50,000 fee for the tender. After some time mwaka jana i got a call from Tanesco Dar instructing me to report makao makuu ya Tanesco kwenye mkoa wangu. I went there nikapeleka wahusika kukagua sehemu nilizo omba na rafiki yangu. I we won the Tender from nowhere. Sasa mtihani ulikuwa where to get the 10m????? Wote we had no money.
My friend came up with the idea of selling off the Tender. Duh! Nikagoma. Then i asked him if he was suffering from what to do. I requested my sister to help me with 100,000 instead she gave me 40,000. in my bank account i had 100,000. I bought Zain phone at 20,000 (zile za promotion at that time) and i engaged it with Zap ya 50,000 i got a better location nikaweka Tangazo la Luku. Within 4hrs nikauza yote 50,000 and my profit was 5000. I decided to get zap ya pesa zote nilizo kuwa nazo and I went on reinvesting all the profit I got for 4 consecutive months.

After my calculations, I managed to open 15 areas by talking to shopkeepers whose rent was not more than 30,000 a month. Under the conditions that, I pay for the rent and he has to sell my product. For them they thought wamenikamata lakini pia mimi niliona nimewakamata bcoz my money was safe I just wanted a profit of 9,000 per day for every transaction of 100,000 I made. Guys am not kidding i managed to get the 10m within 6 months. But it was not easy. Today, i and my friend we are one of the Luku vendors under Tanesco.
Benki zetu hazitoi mkopo wa kuanzisha biashara na pesa zimezagaa mtaani kutokana na mabadiliko ya technology ya dunia today. Sometimes opportunity comes ones before your body cells are won out.
Biashara ya huduma kwa jamii pays off, you can’t regret why you went to school so long as you have plans.
Sasa jamani kama mimi niliweza kwanini wewe mwenye shida ya pesa pia usiweze??? kuna maajabu gani hapo?

mkuu ungeanza na stori hii ya maisha yako wengi tumeamini haraka lakini si kwa kusema ni rahisi ivo! Hata akina mengi wanasema eti nlianza kwa kuzalisha pen za bic,sasa hatuwezi kufuata bahati yako alaf tuseme ni rahisi! Alaf unasema guys in dar mwishowe unaeleza ukweli kuwa hauko dar bali tanesco walikuja mkoani kwako ku evaluate business compaundi yako. Mi nlitaka kubisha kwa kuwa kwa dar ni dili sana hasa apo kwenye Tenda! Ila nimeelewa kuwa uko mkoa,sawa. Maana ukitokea mkoa mfano morogoro kilombero ni dhairi tenderers mtakuwa 2 au 3 wenye ufahamu mkubwa na hatimaye kukosa ushindani. Ila kwa dar ni ishu. Pia unasema eti 50elfu kama kianzio, hapana,mbona hauusishi indirect costs kama za kupata vending station,machine kama cm,printer,initial pay ya IT,umeme wa ku run printer,meals na tea,iyo nauli yako na general expenses? Business idea is not business bt an idea. Mkuu nakushukuru na nakupongeza kwa kufanikiwa ila si wote wanafanikiwa ivo ila wengi huishia kupigwa au kufungwa kwa kushindwa kulipa iyo elf50 iliyokufa kama mtaji pindi mambo yanapoenda mrama. Mfano,nina rafiki yangu ambaye alikosa karo enzi izo elf75 ktk seminary hapa tanzania,akakaa nyumbani mwaka,baada ya kufikiri sana ikabidi tumshauri amwombe mzee wake auze shamba la miti/ekalyptus ili amsomeshe na huo uwe urithi wake! Mzee alitumind eti kwa kukosa nidhamu lakni mwishowe alikubali na jamaa akapata ada baada ya form5 wakauza shamba tena akapata ada ya kumalizia,kajiunga chuo na 2005 akasimamia kura,kapata ela ya kuongezea fee kwenye ela ya Helsb. Alifaulu vizuri chuo,leo hii ni tutorial assistant udsm na amenunua mashamba na anajenga kijijini kwao kagera! Sasa uyu naye akija na theory ya kuuza mashamba tukasome utamuelewa?je ukimaliza f6 ukapata div.4 useme jf nimelizwa? Sikupingi ila hata mimi naogopa ku take risk kujaribu bahati kama zako. Ni vema kwa 'b'ness angels' kutupa mafanikio yao ila b'ness haina formula, mtu aweza ivo ivo akaja na machozi. Mi pia nshawai kukopa mil5 nkaagiza gari japan nkala faida na biashara ya kuuza magari inalipa ila nlivoanza kwa misuko suko,nkimshauri mtu atumie njia zangu,atakufa kwa presha! Mkuu hongera kwa mafanikio. Kuna mtu aliyewahi kwenda kukopa ili apate mtaji mil.10, alipokwenda benk wakamwambia apeleke security document ya mali isiyohamishika worthy 15mil/=akawauliza,jaman kama ningekuwa na mil.15 sasa mil10 yenu ningeitaka ya nini? Nami nasema kwa mwenye njaa ukimueleza arise biashara kama yako tena dsm,bora umweleze atafute ajira kwanza japo worthy lak4/5 alaf akusanye mtaji. Otherwise,nawatakia wanaJF mafanikio wenye kujaribu idea kama iyo,ila kumbuka kuwa na Enterprenuerial skills na risk management usije ishia kujilaumu!
 
mkuu wazo zuri sana , naomba usife moyo kwa watu ambao hawaungi mkono , ni vyema watanzania tujenge tabia ya kusaidiana namna hii kimawazo ,ni kama hadithi moja niliyoambiwa , kwamba watu 3 waliona mto wa maji , mtu 1 -akaenda kuoga maji , mtu wa 2- akaenda kufulia nguo , lakini mtu wa 3-akachukua yale maji ya kwenye mto na kwenda kuyauza , wote tumeona ZAP , lakini mwenzetu ni huyo wa tatu ,kila la kheri na huu ndo ujasiriamali
 
Great idea PM. There are different people in the world

1. People with ideas BUT have no Money
2. People with Money BUT have no ideas
3. People with ideas AND Money
4. People with NO ideas and NO Money (wanakuwaga wabishi sana hawa)
 
Whenever I get in Dar I like walking around wondering how beautiful and busy the city is. I met a friend who told me was hunting a job.
I just want to share with some of you guys what I advised him.
If you are in Dar you can easily get working capital required for a better business by using just 50,000 or 100,000. Najua unashangaa, this is how you should go about it.
Pata simu kama Blackberry and printer {or any phone which has a printer icon}, get an IT guy to assist you connect your Blackberry to your printer. {Printer zipo nyingi sana bei nafu sana} Having done that, engage you phone with Zap. Pata sehemu safi weka tangazo la kuuza Luku kama wengine. Since people need print outs you are in position to do so. Hapo Dar there is no business person who can accommodate Luku demand.
Sasa unatakiwa kuwa mjanja, convince wateja wako pia kwamba you can always send them the digits for Luku by sms unlike the print out. Buy Luku tokens using Zap. However, people should know that you do charge extra for the service.
Your charges can be like this; Luku for 1000 - 3500 charge 300, Luku for 4000 – 8500 charge 500, Luku for 9000 -14,000 charge 1000. OR make some simple calculations and make sure each 10,000 invested produces 1000, if you can make a profit of 5,000 - 10,000 a day, reinvest that profit for 2 months. Remember Airtel will only charge you Tsh150 for each transaction you make for buying Luku so make sure a customer incur the cost.
Man do you think you need to go for those expensive Maximalipo or Selcom? Unless you want to be their servant and make money for them, like most of those people who do use their devices to provide Luku service. Kuna pesa zimezagaa mtaani kwako unashindwa kuziokota, tena wanakuletea kama vile wanavyo zipeleka kanisani wenyewe. what you need is a better location which has demand for Luku service.
Network problem sometimes it’s general but you should know how to represent it to your esteemed customers. This is how you should overcome network problem as it may happen during peak selling hours. Get a friend {whom you trust} who is Tanesco agent, you can always provide him kama laki mbili ili whenever there is network problem, you just give him a call in return he will get you the tokens. Nowadays making a call and sms is cheap. Tanesco agents use TTCL network so they rarely have net work problems. Man you will never lose your money since Zap pia ni pesa just make sure you get a friend at Airtel who can provide you with the necessary service at time T.
As time goes by also provide M-Pesa service.

Don’t just make money but make ways of making money. No miracles from heaven to make your ends meet. Just work hard and ask God to give you courage. I wish you all the best.

Great Idea....
 
Mkuu maybe let me explain kwa faida ya wote, the way i did it mwanzoni from Zero grazing. Last year but one of my friends in Dar called me and told me kuna biashara nzuri sana lakini inaitaji mtaji mkubwa sana. But he gave me very strong conditions that i must travel to Dar. Kesho yake nilifunga safari hadi dar. Alinipeleka kwa raki yake mwenye kumiliki kituo cha kuuza Luku. He wanted tufanye kazi wote lakini yeye alikua hana mtaji. We decided to go to Tanesco with an application letter. Secretary fulani pale Tanesco ubungo discourage us very much bcoz Tender ilisha tangazwa na zilikuwa zimebakia only 2 days to close the Tender. All the necessary documents required ilikuwa lazima nirudi Mkoani na niza kutafuta. Hapo it was saa tisa mchana. Rafiki yangu gave up and he said we can't make it and after all we didn't have the capital of 10m as a deposit ya Tanesco as per the contract. Sikumsikiliza, i just told him aniache for a while niende kwa one of my classmates kule Sinza.
My plan was to look for any vehicle going mkoani. I landed on a fuso going to Mkoani kwetu pale ubungo petrol station. I left Dar without informing my friend (alikuwa ananiletea usiku). I sent him an sms at 0300hrs at night when i was about to get home. When I arrived home i went straight to my sister and she discouraged me too. I ignored her, i went home i looked for all the necessary documents, at 1700hrs the same day i managed to get another Fuso za kupakia mizigo kwenda Dar. I left home that night for Dar. The next day i was in Dar at 1130hrs and the Tender was to be closed at 1400hrs the same day. Nilichoka ile mbaya. Nikawakilisha my documents and I paid the 50,000 fee for the tender. After some time mwaka jana i got a call from Tanesco Dar instructing me to report makao makuu ya Tanesco kwenye mkoa wangu. I went there nikapeleka wahusika kukagua sehemu nilizo omba na rafiki yangu. I we won the Tender from nowhere. Sasa mtihani ulikuwa where to get the 10m????? Wote we had no money.
My friend came up with the idea of selling off the Tender. Duh! Nikagoma. i requested my sister to help me with 100,000 instead she gave me 40,000. in my bank account i had 100,000. I bought Zain phone at 20,000 (zile za promotion at that time) and i engaged it with Zap ya 50,000 i got a better location nikaweka Tangazo la Luku. Within 4hrs nikauza yote 50,000 and my profit was 5000. I decided to get zap ya pesa zote nilizo kuwa nazo and I went on reinvesting all the profit I got for 4 consecutive months.

After my calculations, I managed to open 15 areas by talking to shopkeepers whose rent was not more than 30,000 a month. Under the conditions that, I pay for the rent and he has to sell my product. For them they thought wamenikamata lakini pia mimi niliona nimewakamata bcoz my money was safe I just wanted a profit of 9,000 per day for every transaction of 100,000 I made. Guys am not kidding i managed to get the 10m within 6 months. But it was not easy. Today, i and my friend we are one of the Luku vendors under Tanesco.
Benki zetu hazitoi mkopo wa kuanzisha biashara na pesa zimezagaa mtaani kutokana na mabadiliko ya technology ya dunia today. Sometimes opportunity comes ones before your body cells are won out.
Biashara ya huduma kwa jamii pays off, you can't regret why you went to school so long as you have plans.
Sasa jamani kama mimi niliweza kwanini wewe mwenye shida ya pesa pia usiweze??? kuna maajabu gani hapo?

STORY IS OLD BUT VERY INSPIRING. thanks #Prime Dyanamics
 
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