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Saccos

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Washawasha, Jan 17, 2011.

  1. Washawasha

    Washawasha JF-Expert Member

    #1
    Jan 17, 2011
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    Habari zenu Waheshimiwa wote,

    Nilikuwa naomba muongozo wenu ktk hili,sisi ni vijana tupatao watano na biashara yetu ni kugema Ulimbo,tulikuwa tunasikia hizi tetesi kuhusu Saccos na tunataka kuwa na Saccos yetu. Sasa imenibidi niingie humu ili kujua yafuatayo:

    1.Ni nini SACCOS?
    2.Katiba yetu tutapa wapi msaada wa kuiandika?
    3.Na itakuwa inajiendesha vp ktk kupata faida?
    4.Je, kwa kutumia Saccos yetu tunaweza kuchukua hela za watu wengine na kuzizunguashia na kuwarudishia kwa Riba,na kwa muda gani.?
    5.Tutapataje wanachama zaidi ktk Saccos yetu?
    6.Tutaisajili wapi Saccos yetu?

    Na mengine mengi ambayo siyajui naomba mnifahamishe kuhusu Saccos.

    Natanguliza shukrani zangu kwa wote watakaonijibu.
     
  2. u

    utiyansanga JF-Expert Member

    #2
    Jan 17, 2011
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    Du nyie ni wakali ulimbo ninao ujua mimi ni ule wa singida au tabora wa kutega ndege!mmepata wapi soko la huu ulimbo tuelezeni tuchangangie ....mmenikumbusha mbali ile mbaya!
     
  3. Washawasha

    Washawasha JF-Expert Member

    #3
    Jan 17, 2011
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    Tunautumia cc wenyewe kwa shughuli ze2 na pia kuna Mruc m1 ndio 2namuuzia ila hatujui anatumia kufanyia nini.
     
  4. u

    utiyansanga JF-Expert Member

    #4
    Jan 18, 2011
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    sasa nimewasoma biashara hii ipo siku nyingi sana nilisimuliwa na babu .kuhusu saccos watembeleeni maafisa wa biashara!
     
  5. Smarter

    Smarter JF-Expert Member

    #5
    Jan 21, 2011
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    Washawasha kuwa mvumilivu kidogo, Utapata maelezo mazuri tu kuhusu Saccoss
     
  6. Washawasha

    Washawasha JF-Expert Member

    #6
    Jan 21, 2011
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    hamna shaka smater ndio nackilizia
     
  7. Mkeshahoi

    Mkeshahoi JF-Expert Member

    #7
    Jan 23, 2011
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    kwanini usitembelee ofisi za saccos zilizo jirani nawe... waweza pata mwelekeo wa wapi kwa kuanzia..
     
  8. babalao

    babalao Forum Spammer

    #8
    Jan 23, 2011
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    Mimi nilikuwa afisa ushirika nimekuwa kiongozi na mwanzilishi wa saccos kwa miaka 20. Sasa hivi natoa ushauri wa biashara NGO na SACCOS. SACCOS kirefu chake ni Savings and credit cooperative society. Kiswahili ni chama cha ushirika cha akiba na mikopo. naomba nikupe habari kamili katika taarifa hii hapa chini ili ujue nini unachotafuta kwenye SACCOS na historia yake. Kwa kifupi unataka kuanzisha asasi ya kifedha endelea kusoma mchakato unaohitajika

    Watu wengi wanafikiri kufanya biashara ya fedha au kuanzisha taasisi za kifedha ni kazi ngumu. Hali siyo hivyo katika dunia ya sasa. Mfumo wa kifedha ninaozungumzia hapa siyo benki kubwakubwa za biashara. Ninazungmzia benki ndogondogo za wananchi, vikundi au vyama vya ushirika vinavyoendesha asasi za kifedha. Asasi hizi zinaitwa SACCOS au SACCA, SACCOS ni vyama vya ushirika vya akiba na mikopo na SACCA ni NGO zinazotoa huduma za kifedha. Kati ya asasi hizi SACCOS ndiyo ambayo ni rahisi kuanzisha. Historia ya vyama vya ushirika vya akiba na mkopo inanzia kipindi cha mapinduzi ya viiwanda huko Ulaya kutokana na ugumu wa maisha na ugumu wa upatikanaji wa mikopo toka benki kwa wanyonge, watu hawa wafanyakazi na wakulima wadogowadogo waliamua kuungana na kuchangisha fedha kidogokidogo na kisha kuanza kukopeshana. Hali hii hata hapa kwetu Tanzania iko hivyo. Wale wanyonge, wakulima na wafanyakazi siyo rahisi kupata mikopo benki. Hawawezi kukopa toka Benki kutokana na masharti magumu wanayowekewa na Benki. Suluhisho la Kujikwamua kiuchumi kwa wanyonge ni kuanzisha SACCOS. Mfumo huu wa SACCOS unaweza kuanziswa sehemu ambapo kuna mkusanyiko wa watu wanaofahamiana na wanafanya shughuli zinazofanana, kwa mfano wafanyaazi wa kampuni au ushirika fulani, wafanyabiashara wa sehemu fulani, wakulima wa vijiji fulani au waumini wa dhehebu au dini fulani wakiwa na nia hiyo wataitisha mkutano ambao utasimamiwa na Afisa Ushirika na kupitisha azimio la kuanzisha SACCOS. Watatuma maombi ya kusajili SACCOS na kuanza kuchangishana. Baada ya kupata usajili, kutoa mikopo kutahitaji subira kidogo ili mikopo itolewe baada ya chama kuwa na akiba ya kutosha baada ya kukusanya akiba ikianzia miezi mitatu hadi sita.

    Mikopo inayotolewa itatozwa riba ya silimia 2.5 na inaweza kuwa ni ya dharura kwa ajili ya biashara, ujenzi, ufugaji na kilimo na kadhalika. Vyama hivi vimewasaidia sana wanachama wake kujikwamua kiuchumi. Faida ya kuvianzisha ni kwamba SACCOS inaweza kukopa toka Benki kama imesajiliwa na kutoa mikopo kwa wanachama wake. SACCOS ina wafundisha wanachama wake kuwa na tabia ya kuweka akiba. Zikiendeshwa kwa makini na uaminifu mkubwa SACCOS zinaweza kugeuka na kuwa Benki kamili na kumiliki vitega uchumi kama majego na magari na pia kutoa ajira. Matatizo ya biashara hii ni kukosekana kwa uaminifu kwa wanachama na viongozi katika masuala ya uendeshaji na utoaji mikopo, hivyo kufanya vyama hivi kutokuwa na maendeleo. Ufumbuzi wa matatizo ya SACCOS ni kutoa elimu ya ushirika ili kuwe na mwamko wa wanachama katika kusimamia uendeshaji wa vyama hivi.

    Kwa ushauri zaidi nipigie 0755394701
     
  9. Washawasha

    Washawasha JF-Expert Member

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    Jan 24, 2011
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    Asante sana kwa majibu yako,nitakupgia Mkuu.
     
  10. kopuko

    kopuko Senior Member

    #10
    Nov 2, 2011
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    habari wapendwa,nawiwa na kuvutiwa na kuanzisha saccos mahala nilipo au kampuni binafsi ya kutoa mikopo,tafadhaki mwenye uelewa wa jinsi ya kusajili anisaidie tafadhali
     
  11. M

    Malila JF-Expert Member

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    Nenda kwa afisa ushirika wa wilaya yako. Hapo utapata mwongozo.
     
  12. kopuko

    kopuko Senior Member

    #12
    Nov 3, 2011
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    asante sana ndugu
     
  13. NEW NOEL

    NEW NOEL JF-Expert Member

    #13
    Nov 3, 2011
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    Saccos uwezi ukaanzisha wewe peke yako. Inapaswa muwepo wadau wa kutosha. Na inataratibu zake. Ila kwa maelezo zaidi nenda kwa afisa ushirika wa wilaya unayoishi.
    Ila kama una anzisha kampuni ya mikopo hiyo inaweza kuwa mali yako.
     
  14. Kapwila Matulu

    Kapwila Matulu JF-Expert Member

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    Nov 3, 2011
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    Uwe na chumba cha kutosha (kama stoo) kwa ajili ya kuhifadhia fenicha za wateja watakaoshindwa kurudisha mikopo
     
  15. lutamyo

    lutamyo JF-Expert Member

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    Nov 3, 2011
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    Taratibu sa kuansisha saccos ni kuwa sheria ya ushirika namba 20 ya mwaka 2003 inataka kuwe na pre meeting ambayo itaongowswa na afisa ushirika wa wilaya husika au mwenyekeiti wa muda mtakaye mchagua kuendesha kikao hicho. Ila la msingi ni kuelewa kuwa sheria hii inatamka kuwa ili kuwesa kuansisha ni lasima kuwe na wanachama wasiopungua ishirini tu na kuendelea. Aidha ili kupata usajiri wa kudumu ni lasima kuwe na fedha Tshs 5000000 benki. Nakushauri uonanae na afisa ushirika katika wilaya uliyopo atakupa mwongoso.
     
  16. U

    Ulimakafu JF-Expert Member

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    Nov 3, 2011
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    Kuna jamaa walikuwa anajinasibu wako mitaa ya Lumumba/M/Mmoja.
     
  17. elmagnifico

    elmagnifico JF-Expert Member

    #17
    Mar 16, 2013
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    Naomba anayejua ni process gani, na ni wapi na document pamoja na vitu vitu gani vinavyohitajika ili kufungua SACCOS anielekeze hapa jukwaani.
    Natanguliza shukran
     
  18. M

    Mwala J Member

    #18
    Mar 17, 2013
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    Mkuu hata mimi nina wazo kama lako wanaojua watuelekeze jamani.
     
  19. delusions

    delusions JF-Expert Member

    #19
    Mar 17, 2013
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    Nendeni benki au udsm mkasomee
     
  20. kbm

    kbm JF-Expert Member

    #20
    Mar 17, 2013
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    ... Wakuu' kama mnataka kujua "JINSI YA KUANZA NA kuendesha SACCOS kwa MAFANIKIO"
    katafute kitabu cha saccos kimeandaliwa na TUME YA HAKI NA AMANI (TEC)
    Natumaini kitawasaidieni.
     
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