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The world without interest rate???

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Tumain, Dec 8, 2009.

  1. Tumain

    Tumain JF-Expert Member

    #1
    Dec 8, 2009
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    Riba ni chanzo cha maovu yote katika uchumi wa nchi na hata uchumi wa watu mmoja mmoja.

    Nchi nyingi maskini zinadaiwa riba iliyojizalisha miaka mingi na kuwa kubwa kupita deni halisi hivyo kuongeza mzigo kwa nchi na wananchi wake...Tanzania for example tuna-service 40% la deni letu ni Riba...hivyo hivyo kwa nchi nyingi za dunia ya tatu...

    Watu binafsi wanaogopa kukopa benki kwasababu riba ni kubwa mno hivyo business idea nyingi zinapotea bila kufanyiwa kazi ..hii inaharibu economic growth na kupunguza ajira ambayo ingeweza kuwepo ikiwa watu hao wangechukua mkopo???

    Kwanini tusifute riba kwenye mabenki?

    Kwanini kuweka hela benki tu upate riba? (mafanikio)

    hii ina-encourage watu kuweka fedha benki viwango vikubwa bila kufanya investment? ambayo ni hasara kwa nchi na watu wake??

    Ni wakati muafaka kufikiri kuondoa riba kwenye mambo ya uchumi! JF mnasemaje?
     
  2. Sikonge

    Sikonge JF-Expert Member

    #2
    Dec 8, 2009
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    Waambie Waarabu waondoe FAIDA kwenye MAHOTELI yao.

    NCHI YA KUSADIKIKA au UKOMINISTI?
     
  3. Tumain

    Tumain JF-Expert Member

    #3
    Dec 8, 2009
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    Huwezi haya mambo yako juu ya uwezo wako wa kufikiri ok

    Wewe endelee kumtetea slaa na mbowe hao ndio saizi yako ok

    Mambo ya uchumi tuachie wenye akili wewe kizazi cha nguruwe
     
  4. A

    AM_07 Member

    #4
    Dec 8, 2009
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    JF, home of great thinker!!!!!!????
     
  5. Tumain

    Tumain JF-Expert Member

    #5
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    Huyu jamaa niachie maana post yake amenijibu kijinga..ujinga hujibiwa kwa ujinga wake...werevu hujibiwa kama mweruvu that is it.
     
  6. Kang

    Kang JF-Expert Member

    #6
    Dec 8, 2009
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    Riba ndo zinaiendesha benki, bila riba kungekuwa hakuna incentive ya watu kwenda kuweka hela so benki zingeshindwa kukopesha kabisa.

    Zaidi ya hapo kungekuwa hakuna riba inflation ingekuwa balaa, woga wa kukopa ni muhimu kwenye financial system, inasaidia kuchuja business ideas, otherwise kila mtu angekimbilia kuchukua mkopo. Kwa kifupi haiwezekani.
     
  7. Sikonge

    Sikonge JF-Expert Member

    #7
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    Hapa chini umejijibu wenyewe. Swali la kijinga hujibiwa kijinga.

    Sasa kama wewe ni MCHUMI, umeshindwa nini kufahamu kuwa ULICHOANDIKA ni UTOPIA? Ninavyofahamu mie ni kuwa Waarabu walikuwa wanaweka pesa zao USA na hawachukui RIBA. Mabenki yao wanafanya hivyohivyo ingawa sidhani kama watu wanaweka pesa huko zaidi ya usalama maana hazileti faida.

    Mtu kuweka pesa zake Bank milele anapata hasara. Hiyo wanafanya KUNGURU tu. Mtu na akili zake anafahamu kuwa akiziingiza kwenye biashara atapata faida zaidi ila pia ipo RISK. Ndiyo maana wanaweka Bank.

    Mbona waogopa PUA la nguruwe namna hivyo? Lilikuchimbia Muhogo wako au ni aje? Huo mstari wa mwisho ulitakiwa ujiambie mwenyewe. Mtu hufahamu uchumi. Umeleta swali hapa la KUSADIKIKA au Kikomunisti halafu ukiambiwa hata hukuelewa nina maana gani ukafikiri nimekujibu UTUMBO kumbe masikini ya Mungu ni jibu lililoenda shule. Soma maelezo ya member wa juu uone umuhimu wa RIBA. Kibudu WEE............
     
  8. Tumain

    Tumain JF-Expert Member

    #8
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    Kwanza wewe kizazi cha nguruwe akili yako sawa na nguruwe mwenyewe
    Riba ni tatizo kwenye uchumi wa dunia na uchumi mtu binafsi

    Unaweza kuwa na benki ambazo zinachukua faida baada ya investment na zinakua kwa kasi duniani

    Ufahamu wako kuhusu uchumi umeishia kula mavi yako kama nguruwe --mwehu wee
     
  9. R

    Rayase Member

    #9
    Dec 9, 2009
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    mi nadhani tukubaliane you cant run a business without a profit labda kwa Islamic bank, labda! but all in all interest rate is the price of using somebody's money! so issue is not the interest rate, the issue is the rate. what is the price of using somebody money, is it rational to the Tanzanians economy, should we encourage? how much! who should pay that interest and how much! coz some people do take the advantage of somebody ignorance to benefit! real that is too bad! and sometime banks do not disclose all necessary information about interest rate. mfano umeenda bank they will tell you that our interest is 17% kwa mfano, but when it come to payment you may end up paying 25% thats very bad!!!!!!!!!!!!!!
     
  10. Abdulhalim

    Abdulhalim JF-Expert Member

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    Dec 9, 2009
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    This thread has no merit. Simply pathetic
     
  11. Tumain

    Tumain JF-Expert Member

    #11
    Dec 9, 2009
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    Miaka 30 iliyopita ilikuwa wishingful thinking kufikiri kuchukua mkopo bila riba kwenye mabenki lakini sasa mabenki mengi wameanza kutoa mikopo bila riba na kuwavutia wafanya biashara wengi kufanya investment zao ..e.g. british islamic bank

    Kuna haja ya kufahamu kuwa kuna tofauti kati ya faida na riba..kwa hiyo bank zinaendelea kuwepo kwa kutumia faida wala siyo riba.

    Usiseme haiwezekani sema sijawahi kusikia na jitahidi kujifunza mambo mapya yanayoendelea duniani
     
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