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Serikali kuunda chombo kudhibiti riba ya mikopo

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by MIUNDOMBINU, Apr 18, 2010.

  1. MIUNDOMBINU

    MIUNDOMBINU JF-Expert Member

    #1
    Apr 18, 2010
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    Serikali inatarajia kuunda chombo cha kudhibiti riba za mikopo katika taasisi za fedha nchini ili kuwaondolea mzigo wananchi wa kutozwa riba kubwa.
    Hayo yalisemwa jana na Naibu Waziri wa Fedha, Yusuf Omari Mzee wakati akijibu swali la nyongeza la Mbunge wa Mbozi Mashariki (CCM), Godfrey Zambi.
    Alisema kuna upungufu mkubwa katika kudhibiti riba hizo na kuahidi kuwa katika kipindi kifupi kijacho Serikali itaunda chombo hicho.
    Katika swali lake la nyongeza, Zambi alihoji ni kwa nini taasisi za Serikali zitumike kama wakala wa watumishi katika suala la mikopo kwenye taasisi hizo ambazo zinatoza riba kubwa.
    Vilevile alihoji nchi gani ambayo inaacha taasisi za kifedha kukopesha kama wanavyotaka kama ilivyo nchini.
    Awali katika swali la msingi la mbunge huyo, alitaka kufahamu je, Serikali haioni kwamba taasisi hizo zinawanyonya wananchi kuliko kuwasaidia.
    Pia alitaka kujua ni chombo gani hasa cha Serikali kinachodhibiti mwenendo wa taasisi hizo hasa katika riba? Akijibu swali hilo, Mzee, alisema kuwepo kwa taasisi nyingi zinazohusiana na utoaji wa mikopo, kunawapa uwanja mpana wananchi wa kuchagua taasisi zinazokidhi mahitaji yao na huduma bora.
    Kuhusu suala la riba kubwa, alisema jambo la msingi ni kuhakikisha idadi ya taasisi zinazokopesha zinaongezeka ili kutoa huduma kwa ushindani.
    Alisema hatua nyingine ni kuwa na chombo kitachosimamia mwenendo mzima wa shughuli za taasisi hizo.
    " Hii ndio njia muafaka ya kuleta suluhisho katika taasisi hizi pamoja na tatizo la riba,” alisema.
    CHANZO: NIPASHE
     
  2. B

    Bulesi JF-Expert Member

    #2
    Apr 18, 2010
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    Huyu waziri na washauri wake nadhani hawajui kazi ya BENKI KUU!! The main function of a central Bank in any country is to ensure that there is price stability in the economy!! Interest rates charged by financial institutions on loans they lend to their customers is the PRICE of MONEY the customers borrow. Sasa huyo waziri anaposema serikali itaunda chombo kingine cha kuthibiti interest rates charged by financial institutions ana maana benki kuu haitahusika tena na kazi ya regulation of our financial institutions? In a free market economy which supposedly we are advocating;the BOT can influence the interest rates charged by the financial institutions through its monetary policy.
     
  3. MIUNDOMBINU

    MIUNDOMBINU JF-Expert Member

    #3
    Apr 18, 2010
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    Mkuu Bulesi..Si unajua jinsi Selekari yetu ilivyo ya ajabu...kila jambo huamuliwa kisiasa tu..bila kujari masilahi ya walio wengi.Ulichokisema ni kweli kabisa hii ni kazi ya BOT lakini Politician wanahozi kila jambo.
     
  4. K

    KEIKEI Member

    #4
    Apr 18, 2010
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    Haya majibu ya naibu waziri yanasikitisha sana, na wabunge pia wanatia hofu kukubali majibu ya hivi bungeni. Kimsingi Tanzania ilijiingiza kwenye sera za kibepari bila kujua matakwa ya ubepari na athari zake. Leo waziri hawezi kusema serikali itapanga kiwango cha riba wakati riba zinaamuliwa na soko, na benki kuu hata ikijaribu na imekuwa ikifanya hivyo kuinfluence riba itategemea mambo mengi sana ikiwemo credibility ya wakopeshwaji n.k. In a nutshell ni kwamba short term interest rates zinakuwa determined kwenye money market, na benki kuu kupitia monetary policy tools wanaweza kuinfluence hizi interest rates wakati nini mabenki ya charge kwenye mikopo au yalipe kwenye deposit hutegemea siyo tu hizi short term interest rates(through the interst rate channel of monetary policy), bali vigezo vingine kama ubora wa mkopeshwaji(Bank lending channel) n.k. Pia kutokana na asymmetric information kuwa juu sana Tanzania, market failure ni kubwa sana hivyo riba lazima ziwe kubwa sana. Utatuzi wa haya matatizo hata siku moja hautakuwa wa kisiasa bali ni kwa wataaluma kufanya tafiti na kuja na sera madhubuti. The government should cut the waste and corruption and invest in human capital.
     
  5. Gaijin

    Gaijin JF-Expert Member

    #5
    Apr 18, 2010
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    kumbe muda wote huu walikuwa wanawaachia tu watutoze riba wanazotaka wao! makubwa
     
  6. Kaa la Moto

    Kaa la Moto JF-Expert Member

    #6
    Apr 18, 2010
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    Bulesi issue hii ya interest rate imepigiwa kelele mara nyingi tena Bungeni humo humo lakini hakuna jibu la maana limekuwa likitolewa zaidi ya kuambiwa soko litaamua.
    Sasa uchaguzi uko karibu tutasikiliza kila upuuzi ukitolewa na mawaziri wetu na hata hadithi za alfa lela ulela tutazisikia.
    Hivi kila kitu ni lazima tukiundie taasisi ya kukifanya? Tutakuwa na taasisi ngapi? Leo tuna taasisi ya kuzuia rushwa, tunayo ile wanaita usalama wa taifa, tunao polisi na wote wanafanya kitu hicho hicho ili mradi walipa kodi wanakandamizwa. Tuna nchi ya kufikilika sana.
     
  7. r

    rKimario Member

    #7
    Mar 23, 2011
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    Jamani hicho chombo kimeshaundwa mbona bado Access bank wanatisha riba mpaka 54% kwa mwaka saidieni hili

     
  8. Semilong

    Semilong JF-Expert Member

    #8
    Mar 23, 2011
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    nenda benki nyingine
     
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