Dismiss Notice
You are browsing this site as a guest. It takes 2 minutes to CREATE AN ACCOUNT and less than 1 minute to LOGIN

Taarifa za mikopo midogo midogo ya kibiashara!

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Dark City, Jan 28, 2012.

  1. Dark City

    Dark City JF-Expert Member

    #1
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    Naomba wadau wa jukwaa hili tusaidiane kuweka taarifa muhimu za kibenki ili ziwasaidie wadau wanaohitaji mikopo midogo midogo na ile ya kati kwa ajili kuendesha biashara. Natamani tungekuwa na business directory ila sijui kama ipo ....(wenye taarifa watatusaidia).

    Nimeweza kukusanya hizi taarifa na naomba wadau muongeze kile mnachokijua,

    1. CRDB Bank Ltd...Mikopo midogo midogo (may be 1-20 mil), interest rate (with insurance) ni 20%, na lazima mtu awe na hati ya kiwanja au nyumba

    2. FINCA .....Nimepata taarifa kuwa mtu akikopa 15mil anatakiwa kurudisha 1.7mil kwa mwezi ambayo inatupa interest ya 33.3%

    3. NBM.....Kuna mtu kachukua loan ya 30mil ambayo atailipa kwa miaka 4; interest + other charges imefikia 12mil (40%)
    ........Nimepata taarifa za NMB kwamba small loans (100K-5mil) interest rates in 24% (2% per month)

    4. TIB (Tanzania investment Bank)...Wanatoa mikopo ya kati na mikubwa...Nasikia wanaanzia USD 150K

    5. SACCOS...SACCOS ambayo mie ni mwanachama inatoza 13% ila wanatoa pesa ndogo ndogo (1-10mil) na lazima ukae kwenye queue kwa karibu miezi 6!

    7. NBC...Wanatoa mikopo kwa riba ya 20-24% ila iko based on overdraft. Unatakiwa kuwa na hati ya nyumba au dhamana nyingine. Kwa ujumla nimependa package yao ingawa riba bado iko juu sana!!

    8. Exim wanatoa mikopo ya biashara kwa riba ya 19%. Unaweza kuchukua zote au kwa overdraft!!

    9. Barclays bank wanatoa mikopo ya kati na mikubwa tu (>50mil). Interest yao ni 25%.

    10. Stanbic wanatoa mikopo ya biashara pia...interest rates zao ni 21% na matakwa mengine ni kama kwa banks nyingine (hati ya nyumba, leseni ya biashara, audited accounts etc)!! Hawa nao wanatoa overdraft facilities!

    11. Kenya Commercial Bank (KBC)....wana mikopo ya biashara kuwanzia 10mil na interest rates zao ni 19%. Masharti mengine ni kama banks nyingine na wanakubali overdraft..Ila sikuweza kupata details za interest rates per month kwenye overdraft!

    12. Equity Bank....Inasemekana watakuwa na masharti nafuu ila bado hawajaanza kufanya biashara rasmi. Tutazidi kuwafuatilia!


    Mwenye taarifa zaidi atuwekee hapa ili tuweza ku-update hii page ili iwasadie wale wanaohitaji mikopo ili wajikwamue!

    Babu DC!!

    Updates

    Important information (TIB)

    Equity Bank

     
  2. Dark City

    Dark City JF-Expert Member

    #2
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    Taarifa nyingine ni kwamba TIB wanatoa mikopo mikubwa ya uwekezaji kuanzia USD 150,000. Nitafuatilia kujua masharti yao!
     
  3. Husninyo

    Husninyo JF-Expert Member

    #3
    Jan 28, 2012
    Joined: Oct 24, 2010
    Messages: 23,718
    Likes Received: 394
    Trophy Points: 180
    Babu ahsante kwa taarifa ila hizo riba..... Mmmh!
     
  4. Candid Scope

    Candid Scope JF-Expert Member

    #4
    Jan 28, 2012
    Joined: Nov 8, 2010
    Messages: 11,892
    Likes Received: 49
    Trophy Points: 145
    Interest ilivyokubwa inakatisha tamaa. Una uhakika gani wa uzalishaji iwapo bado biashara hujaianza na kujua mwelekeo wake?
     
  5. Dark City

    Dark City JF-Expert Member

    #5
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    Hus,

    Yaani hata sielewi kwa nini riba ni kubwa kiasi hicho...Ila taasisi nyingi zinatumiwa mwanya wa kutokuwepa comparative figures kati ya taasisis mbali mbali kuwaibia wananchi.

    Bado nafuatilia ila kuna baadhi ya taasisi zinatoza hadi riba ya 50%

    Babu DC
     
  6. Dark City

    Dark City JF-Expert Member

    #6
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    Mkuu,

    Huwezi kwenda kukopa pesa katika mazingira yetu ili kufinance biashara ya kufikirika!! Ndiyo maana taasisi nyingi zinataka kuona kama mwombaji ana biashara inayoendelea na inategeneza faida.

    Tatizo ni kwamba hawa wenye fedha wanatumia ujinga wetu na pia kutokuwa na choices kutuibia.

    Hata SACCOS nazo zina riba kubwa sanai!
     
  7. Husninyo

    Husninyo JF-Expert Member

    #7
    Jan 28, 2012
    Joined: Oct 24, 2010
    Messages: 23,718
    Likes Received: 394
    Trophy Points: 180
    kwa mwendo huo personal financing ndio best solution babu ingawa sijui tutadunduliza mpaka lini hadi kibubu kijae. Lol.
     
  8. Dark City

    Dark City JF-Expert Member

    #8
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    SACCOS nazo zinaweza kuwa ni sehemu nzuri ya kukopa ila bado wana riba kuwa pia.

    SACCOS ya mahali ninapofanyakazi, ikikopesha 1mil kwa mwaka wanatoza interest ya 3% kwa mwezi na jumla ya marejesho ni 1.13mil (interest ni 13%). Najua kuna inflation kubwa kwa sasa ila hizi riba zimekuwa hivi hata kabla serikali haijachakachua uchumi!!
     
  9. Dark City

    Dark City JF-Expert Member

    #9
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    Hus,

    Personal financing ni suicide...Ndiyo maana watu wanatake risk na kuingia kwenye ufisadi...Tungekuwa na taasisi za fedha zinazotoza riba zinazolipika, watu wengine (tena wengi) wangekimbilia huko kuchukua pesa kihalali.

    Tusaidiane ili tupate taasisi ambazo ni fair tutakope. Usithubutu hata siku moja kutegemea kipato chako kukuza mtaji....You will need more than 200 yrs to make it....Utafika huko??


    Babu DC!!
     
  10. Candid Scope

    Candid Scope JF-Expert Member

    #10
    Jan 28, 2012
    Joined: Nov 8, 2010
    Messages: 11,892
    Likes Received: 49
    Trophy Points: 145
    Najua fika kama ulivyoeleza anayeanzisha biashara huwa amefanya tathmini ya kutosha na kujiridhisha kwamba atapata faida na biashara itasimama.

    Hata hivyo si hakika kama mafanikio yatafikiwa kama business plan ilivyo, maana kuna mengi yanahitajika kuweka sawa ili biashara isimame na enzi hizi za ushindani wa kibiashara na ubora wa bidhaa na huduma. Na hadi biashara isimame kwa haraka ni miezi 6 na pengine huchukua hadi miaka miwili.

    Kiwango cha riba bila uficho kiko juu mno na kabisa kwa nchi maskini kama Tanzania. Nashangaa nchi tajiri riba inazidi kuwa chini kila kuikicha wakati nchi maskini ndio wanapandisha riba kama hawatumii akili vile.

    Mikopo mingi ya bongo ni kati ya mwaka mmoja na miaka mitano, lakini riba ni juu sana kana kwamba ni mkopo wa miaka zaidi ya 30. Riba ingekuwa walao 12% ingekuwa fair hata hivyo ni bado juu kutosha lakini hii mnayotaja inatisha. Utakachochuma unachumia bank tu usipokuwa mwangalifu hata mtaji utaishia kwao.
     
  11. Candid Scope

    Candid Scope JF-Expert Member

    #11
    Jan 28, 2012
    Joined: Nov 8, 2010
    Messages: 11,892
    Likes Received: 49
    Trophy Points: 145

    Hii ya SACCOS ni afadhali kidogo kuliko mabenki, mfanyabiashara anaweza kuendesha biashara na atakapomaliza atabakiwa na mtaji wa kuendeshea biashara yake, lakini ya mabenk ni ya kumfilisi mfanyabiashara.
     
  12. Dark City

    Dark City JF-Expert Member

    #12
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    Ahsante sana ndugu,

    Hapa ninaongelea biashara ambayo tayari inaendelea. Katika mazingira yetu, ni hatari kukopa ili kuanzisha biashara. Hiyo miezi 6 unayoongelea ni kidogo sana....Kuna biashara tulianzisha, ilituchukua karibia miezi 5 kupata vibali vyote na ziadi ya miezi 7 kupata sehemu ya kufanyia biashara. Ndiyo maana wastaafu wengi waliojaribu kuingia kwenye biashara baada ya kustaafu wameishia kufa kwa BP!!
     
  13. Dark City

    Dark City JF-Expert Member

    #13
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    Ni kweli kabisa ila inategemeaa michango ya wanachama (ambao wana mishahara midogo na wengi ni kima cha chini cha mshahara, KCC) kwa hiyo uwezo wake wa kukopesha ni mdogo sana!!

    Tatizo la riba kubwa na upatikanaji wa pesa ni motivation muhimu sana ya ufisadi. Ndiyo maana Sumaye aliamua kujichukulia 50mil kutoka NSSF!!
     
  14. Husninyo

    Husninyo JF-Expert Member

    #14
    Jan 28, 2012
    Joined: Oct 24, 2010
    Messages: 23,718
    Likes Received: 394
    Trophy Points: 180
    kweli babu, unaweza ukajikuta unazeeka bado unasave tu na pesa lenyewe linavyoshuka thamani utashangaa upo palepale. Ila Kwa sisi tunaokuza mitaji ya maandazi PF inatufaa sana. Au sio babu?
     
  15. M

    Mzawa Halisi JF-Expert Member

    #15
    Jan 28, 2012
    Joined: Feb 25, 2009
    Messages: 495
    Likes Received: 8
    Trophy Points: 35
    Asante babu kwa taarifa. Niliwahi ambiwa kuwa riba kwa unsecured loan ni kubwa sababu ya risk, hakuna mfumo wa kuwabana defaulters. Ila hayo Masharti ya CRDB si secure loan hiyo? Kwanini riba bado kubwa sana?
     
  16. Candid Scope

    Candid Scope JF-Expert Member

    #16
    Jan 28, 2012
    Joined: Nov 8, 2010
    Messages: 11,892
    Likes Received: 49
    Trophy Points: 145

    Mfumo wa mifuko ya mafao ya kustaafu Tanzania si mizuri kwa maana yakutoa pesa kwa mkupuo badala ya kuwalipa wastaafu kwa kiwango cha mwezi au miezi miwili hii itampa mstaafu uhakika wa kupata kidogo kila baada ya muda fulani. Hii ya kupokea kwa mkupuo pesa yote si wote wanaoweza kupanga bajeti na mikakati ya kurudufu pesa walizopata, na baada ya muda mfupi husihia maisha ya dhika isiyo kifani.
     
  17. Dark City

    Dark City JF-Expert Member

    #17
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    Hahahahahaha,

    Hao watu wa maandazi ndio wanaibiwa sana...Hebu nenda kwenye hizi taasisi kama FINCA, PRIDE, BRACC n.k,

    Nasikiwa watu wanalipa 50% na zaidi!!

    Siwezi kumshauri mtu ajaribu PF!!

    Tauendelee kuuliza uliza...naamini tutapata wale ambao wana unafuu!!

    Babu DC!!
     
  18. Dark City

    Dark City JF-Expert Member

    #18
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    Ahsante sana ndugu,

    Katika pita pita yangu, sijasikia hata sehemu moja wanakotoa unsecured loan....Kama unawajua tujuvye ili tuwatembelee.

    Hiyo riba za CRDB sijui kwa nini ni kubwa wakati wana masharti mazito sana...Kwani pamoja na hati ya mali, lazima uwe na account nao ambayo inaonesha kuwa umekuwa ukiingiza na kutoa pesa!
     
  19. Candid Scope

    Candid Scope JF-Expert Member

    #19
    Jan 28, 2012
    Joined: Nov 8, 2010
    Messages: 11,892
    Likes Received: 49
    Trophy Points: 145
    Nilitembelea nchini Marekani karibuni nchi ambayo miaka michache nilikuwa nakula vitabu vyao. Kwa udadisi tu niliamua kwenda bank kuulizia wanafanyeje ukopeshaji wa pesa. Niliambiwa mkopo wa secured money ni free under one year period. Zaidi ya mwaka wanaanza charge kidogo za riba lakini haizidi 3%. Lakini bank za bongo ni mtindo mmoja tu kana kwamba unawekeza rehani ya nyumba.

    NIliporudi kuwaeleza maofisa wa bank fulani (jina kapuni) waliniambia wao wakati mwingine wakakopa pesa huko majuu ndio maana riba huwa juu sana ili kufidia kotekote. Hoja hii haijaniingia vizuri katika mikopo ya mabeni kwa mabenki kimabara.
     
  20. Dark City

    Dark City JF-Expert Member

    #20
    Jan 28, 2012
    Joined: Oct 18, 2008
    Messages: 16,275
    Likes Received: 115
    Trophy Points: 160
    Ahsante sana mkuu kwa taarifa,

    Hata majirani zetu Kenya wako juu sana katika kutoa mikopo.

    Hapa Tanzania, maafisa mikopo wamekaa benki na kula kiyoyozi wakisubiri watu tunaohangaika tuwafuate.

    Ndiyo maana nadhani kwamba benki zetu zinaatamia pesa wakisubiri kupata vifaranga!!
     
Loading...