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TV Program Alert: "Maonyesho Sekta ya Fedha" Watanzania Hawakopi Kwanye Mabenki!.

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Pascal Mayalla, Oct 10, 2012.

  1. P

    Pascal Mayalla JF-Expert Member

    #1
    Oct 10, 2012
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    Wanabodi,

    Moja ya shughuli zangu kama mwandishi wa habari wa kujitegemea, ni kuandaa vipindi mbalimbali vya TV, Redio na Makala mbali mbali magazetini. Hivyo kwa muda wa siku 5 mfulilizo kuanzia leo, nitarusha vipindi maalum kuhusu maonyesho ya sekta ya fedha yanayoendelea kwenye viwanja vya Mnazi Mmoja.

    Kwa kuanzia kipindi cha kwanza kitarushwa hewani leo kuanzia saa 1:00-7:30 ITV.

    Lengo la vipindi hivi ni kuelimishana fursa mbali mbali zinazotolewa na taasisi mbalimbali za fedha nchini, katika kuleta maendeleo binafsi na maendeleo ya Taifa, na kwa kuanzia,

    1. Watanzania ni watu wa ajabu sana!. Wanajenga nyumba na kununua magari bila kukopa!.
    2. Wananunua vitu vya thamani kubwa bila any definite source of income na bila mikopo!.
    3. Mabenki yana mabilioni ya fedha za amana ambayo yanawahitaji watu wayakope ili zilete maendeleo!. Watu hawakopi!.
    4. Jee wajua kuna mabenki yanatoa pesonal loan ya hadi shilingi milioni 500?.
    5. Je mwajua kuna mabenki yanatoa mikopo ya biashara bila dhamana yoyote?.

    Kwa hayo na mengine mengi, fuatana nami katika mfufulizo wa vipindi hivi kwa siku tano mfululilizo. Vipindi hivi vitarushwa na ITV, TBC-Taifa, Star TV, Channel Ten na TVZ.

    Asanteni.

    Pascal.
     
  2. Kitulo

    Kitulo JF-Expert Member

    #2
    Oct 11, 2012
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    Ukisema kuna benk zinatoa mkopo bila dhamana inawezekana ila mara nyingi inakuwa ni kwenye vikundi,ila benk nyingi zinataka dhamana ,mbaya zaidi siku hizi wanapendelea dhamana zenyewe ziwe nyumba za biashara kama gest,hotel au nyumba ambayo imekodishwa kwa shughuli za biashara.

    Hata hivyo ni watanzania wangapi wenye nyumba zenye hati ,mimi nilinunua kiwanja 2009 na nyumba ilishajengwa lakini mpaka leo sijapata hati ya umiliki wa kiwanja,hapa ndipo ninapoilaumu serikali inarudisha nyuma juhudi za wananchi kujikomboa na lindi la umaskini.

    Mwaka jana nilienda kwenye benk moja kukopa kwa ajili ya kilimo wakaniuliza unataka kulima nini nikawaambia kahawa wakanikatalia wakaniambia ingekuwa unataka kulima mahindi tungeweza kukupa lakini siyo kahawa,kwahiyo ugumu wa mabenk kukopa unakuwa hivyo.

    Kitu kingine wanataka mtiririko wako wa fedha uwe mzuri, yaani uwe na shughuli itakayokuwa inakuingizia kiasi kizuri cha fedha na uwe unaweka na kutoa fedha kwenye akaunt mara kwa mara sasa kwa kijana anayeanza maisha na anataka kujiajiri huo mtiririko wa fedha ataupata wapi?

    pia lugha za kwenye maonyesho huwa tofauti na hali halisi.
     
  3. ALF

    ALF Senior Member

    #3
    Oct 11, 2012
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    Tunashukuru kwa kutufahamisha, tutafatilia.

    Lakini sababu ya kutokukopa watu wa benki wanazijua masharti yamekuwa magumu mno, mara nyingi sana mabenki yanalenga wenye kipato tayari, I mean mtu kama huna biashara lakini una mpango mzuri hupewi, lakini mwenye biashara tayari anapewa .

    Tunaamini kuwa siku zote benki ni rafiki wa tajiri sio maskini.
     
  4. C.T.U

    C.T.U JF-Expert Member

    #4
    Oct 11, 2012
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    Mimi ndio maana nakubali Investors kuliko bank Loans
     
  5. ALF

    ALF Senior Member

    #5
    Oct 11, 2012
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    Tunashukuru kwa kutufahamisha, tutafatilia.

    Lakini sababu ya kutokukopa watu wa benki wanazijua masharti yamekuwa magumu mno, mara nyingi sana mabenki yanalenga wenye kipato tayari, I mean mtu kama huna biashara lakini una mpango mzuri hupewi, lakini mwenye biashara tayari anapewa .

    Tunaamini kuwa siku zote benki ni rafiki wa tajiri sio maskini.
     
  6. K

    Kicheruka JF-Expert Member

    #6
    Oct 11, 2012
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    Pascal,
    Shukrani kwa taarifa ya vipindi vyako, maoni yangu:
    1. Kwenye maonyesho mengi exhibotors wanaongea maneno matamu ukija utekelezaji wa kazi zao ofisini ni zero customer service na majibu mafupi ya kukatisha tamaa
    2. Mabenki mengi yanatoa mikopo kwa matajiri/mafisadi wenye mali ili kupanua na kuendeleza biashara zao na kujustfy/kusfisha hela na mali walizoiba waonekane wamezipata kwa njia halali ya bishara ambazo walizalisha kutokana na mikopo
    3. Bado mikopo ya Tanzania riba/interest yake nu kubwa mno kwa mtu maskini inakuwa kama unamuongezea umaskini na kutajirisha wenye mabenki, Central bank (BOT) warekebishe sheria ili wananchi wapate mikopo yenye riba nafuu ili iwepo win win situation mwenye kukopa afaidi na benki ipate faida kidogo.
    4. Masharti ya mikopo ni magumu sana kwani mabenki mengi yanataka nyumba na watanzania wengi mtu ana nyumba moja yeye na familia yake akikopa na riba hizo kubwa za kifisadi anapoyumba kurudisha mkopo kidogo nyumba inapigwa bei familia inachanganyikiwa na watoto wanakuwa maskini wa mitaani
    5. Mikopo kabla ya kuchukua unailipia kozi kubwa ajabu na pia bima kwa ajili ya mkopo huo na mkpaji akipata tatizo hamna cha bima wala nini wanakimbilia kuuza dhamana yako, hii ni moja ya kikwazo cha kutokopa.

    Ukipata wasaa wa kuongea na hawa wenye mabenki kwenye maonyesho waulize haya ili nitakapokuwa naangalia vipindi vyako nisikie majibu yao
     
  7. mtu chake

    mtu chake JF-Expert Member

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    Oct 11, 2012
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    pascall Mayalla...natumai kipindi kitakuwa kizuri nitaangalia......nategemea kuona ubora wa picha..maudhui..graphics...na production nzima
    mtu chake
     
    Last edited by a moderator: Jan 4, 2016
  8. mathematics

    mathematics JF-Expert Member

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    Oct 11, 2012
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    hii ndio muhimu sana,

    weka muda na siku ya hivyo vipindi.

     
  9. P

    Pascal Mayalla JF-Expert Member

    #9
    Oct 11, 2012
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    UP DATE 1.

    Program 2: 11/10/2012
    Kituo: ITV
    Duration: 20 minutes
    Broadcast Time: Saa 12:30 Jioni.
    Contents:
    Akiba Comercial Bank
    NSSF
    The Guardian.
     
  10. P

    Pascal Mayalla JF-Expert Member

    #10
    Oct 11, 2012
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    UP DATE 2.

    Program 3: Leo 11/10/2012
    Kituo: TBC-1
    Duration: 30 minutes
    Broadcast Time: Saa 12:30 Jioni.
    Contents:
    Akiba Comercial Bank
    NSSF
    TCRA
    PSPF
     
  11. P

    Pascal Mayalla JF-Expert Member

    #11
    Oct 11, 2012
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    Prog ya ITV sikuiona nadhani labda saa 1:00 usiku
     
  12. Zogwale

    Zogwale JF-Expert Member

    #12
    Oct 11, 2012
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    Financia sector haisaidii Watanzania kabisa, mikopo ni kifo kingine!!! Hiyo riba ya up to 23% kwa uchumi mdogo kama Tz na bado application fees, sijui collateral ambayo wengi hawana!!! Iwepo financial mechanism nyingine ya kusaidia watanzania kimtaji na si kupitia benki za biashara.
     
  13. Ramthods

    Ramthods JF-Expert Member

    #13
    Oct 11, 2012
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    Kaka,

    Mi huwa nikisikia habari za mikopo hapa Tanzania hua nahisi kichefuchefu. Baada ya kuzunguka katika mabenk tofauti, na kupoteza muda mrefu, kitu nilichoamua kufanya ni kutafuta mtaji kwa namna nyingine, lakini mkopo sidhani kama ntajaribu tena.

    Hivi umeshawahi kwenda kuulizia mkopo wa nyumba pale Azania? Embu nenda alafu uone marejesho yapoje then uniambie ni watanzania wangapi wanaweza kumudu.

    Mabenk mengi, kama walivyotangulia kusema wengine hapo juu, wanang'ang'ania nyumba kama collateral. Sasa utaanza na nini? Ujenge nyumba alafu uiweke dhamana upewe mkopo wa biashara? Vijana wangapi wana uwezo wa kujenga nyumba hapa Tanzania?

    Ulishawahi kufuatilia mchakato wa kupata hati ya kumiliki ardhi ukaona hiyo shughuli yake? Kujenga nyumba tabu, nako pia kupata hati iwe tabu pia?

    Mkopo unapewa riba juu. Ukikopa leo unatakiwa uanze kufanya marejesho mwezi ujao. Hivi ni uwekezaji gani mtu unafanya unaanza kurudisha mkopo mwezi ujao?

    Kwa kifupi, hii mikopo imewekwa kwa ajili ya watu fulani tu - sio mtanzania wa kila siku. Mikopo mingi ya mabenk inalenga watu ambao tayari wana pesa. Hapa kwetu benk si rafiki wa maskini hata siku moja.

    Me nadhani cha ajabu si watanzania kujenga nyumba na kununua vitu vya thamani bila mikopo. Cha ajabu ni mlolongo kwenye utaratibu wa kupata mikopo kwenye mabenki yetu, riba kubwa pamoja na makato mengine yaliyojificha.

    Hivi una habari kuwa kuna taasisi hapa kwetu ambazo ukikopa unapewa 80% tu ya mkopo? 20% unatakiwa uiache kwenye account kama security. Ukimaliza kurejesha mkopo, hiyo 20% wanakupa kama "zawadi". Hivi wewe inakuingia akilini hiyo?

    Alafu hiyo 20% ulioiacha kwenye account nayo inahesabiwa riba!

    Sasa kama ulikua unataka kusikia vitu vya ajabu, hivyo ndo vitu vya ajabu kwenye taasisi zetu za mikopo, na sio watu kujenga au kununua magari bila mikopo.
     
  14. K

    Kazinikazi Member

    #14
    Oct 11, 2012
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    Tatizo ya benki yetu yanacharge APR kubwa (20%>)na kibaya zaida lazima uwe na colateral ni watu wangapi wa na hati za viwanja au watu wangapi wako tayari kuweka mali zao rehani kwa ajili ya masharti magumu,halafu mikopo haikatiwi bima kumlinda mkopaji pengine ikitokea amekufa au amefisika.
     
  15. Ipi dot com

    Ipi dot com JF-Expert Member

    #15
    Oct 11, 2012
    Joined: Mar 28, 2011
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    Nimehudhuria maonyesho/mafunzo hayo lakini maelezo yao mabenki hawana jipya zaidi kwa ufinyu wangu nimegundua mambo mawili muhimu
    1.Maelezo mengi au ushauri unatoka upande mmoja na watoa mada wengi wamekaririshwa kuwa watanzania wengi si walipaji,hawatoi taarifa sahihi nk
    2.Wajasiliamali wengi wanashindwa jinsi ya kuwakilisha manyanyaso toka kwa baadhi ya mabenki hasa wanapochelewesha au kushindwa kuripa kwa wakati maana nimegundua wengi wa watoa mada ni kama wamekaririshwa tu hivyo hawataki kusikia toka upande mwingine.

    My take wakopaji/wateja tungekuwa na organization ambayo itakuwa inapitia,kushauri,au kuwasaidia wanaoonewa kutokana na kutojua haki zake au kuwa na mahali ambapo sera inapoandaliwa tuwe na mahali pa kuanzi. Ni wazo tu
     
  16. P

    Pascal Mayalla JF-Expert Member

    #16
    Oct 12, 2012
    Joined: Sep 22, 2008
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    UP DATE 4

    Program 4: Leo 12/10/2012
    Kituo: ITV
    Duration: 30 minutes
    Broadcast Time: Saa 12:30 Jioni.
    Contents:
    CRDB
    NSSF
    SELF
    PSPF
     
  17. P

    Pascal Mayalla JF-Expert Member

    #17
    Oct 12, 2012
    Joined: Sep 22, 2008
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    UP DATE 4

    Program 5: Leo 12/10/2012
    Kituo: TBC-1
    Duration: 30 minutes
    Broadcast Time: Saa 1:30 Jioni.
    Contents:
    CRDB
    NSSF
    Vodacom M-Pesa.
    PSPF
     
  18. MJIMPYA

    MJIMPYA JF-Expert Member

    #18
    Oct 13, 2012
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    Pascal,

    Hatuwatendei haki waTZ tunapokuja na statement za jumla jumla. Kwani kujenga au kufanya maendeleo lazima ukope benki zenye majina makubwa? Wapo watu wengi wamefanya maendeleo bila mikopo ya hizo benki na wala si kwa ufisadi/rushwa. pia si kweli kwamba watu hawakopi pamoja na matatizo yote ya mifumo bado watu wanakopa na kubamizwa riba kubwa!
    Hebu jaribu kuwauliza wakupe data za wakopaji wako wangapi na ni wangapi wamekwenda kukopa wakashindwa kukidhi vigezo? wasitoe tu majibu ya jumla.
    Juzi niliwakuta TIB na NEEC (baraza la uwezeshaji) kwenye maonyesho, kwa lugha ya jumla wanakopesha wakulima, ukiuliza details za vipi unaweza kukopa unaona wanajikanyaga tu, si rahisi hivo.
    Wengine wanakuwa kwenye maonyesho si kusaidia watu wakope bali kutimiza ratiba na kuingiza posho yao ya siku.
     
  19. Fyong'oxi

    Fyong'oxi JF-Expert Member

    #19
    Oct 13, 2012
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    Hata investors wengi asili ya mitaji yao hutoka bank!
     
  20. Fyong'oxi

    Fyong'oxi JF-Expert Member

    #20
    Oct 13, 2012
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    Bank sio rafiki wa masiki hata kidogo!

    Kuna mifumuko ya mabenki ya kinyonya zaidi ya 100 Tanzania.Ni dalili hii industry inawalipa sana kwa style hizo.Sera za mikopo ya mabenki na masharti sio rafiki wa wajasiriamali wadogowadogo ambao ndio chimbuko kubwa la Povert eradication and econonomic development ya nchi changa kama Tanzania.Hasa kwakua Tanzania haina wigo mpana wa kumeza ajira za Product zote za wanavyuo wanao hitimu (Universities/Training college/VETA) ni wazi kujiaajiri is inevitable ili kujikomboa.Hata asili ya Mediam anad Large scale enterprises ni Ujasiriamali mdogo(Small enterprises) ila serikali hii ya sisiemu haina nia ya dhati kurekebisha mifumo ya fedha ili kuziwezesha banki kutengeneza sera bora za mikopo kw wajasiriamali wadogo.Imagine dhamana wanazozitaka mabenki ni nyumba zenye title, Je ni % ya nyumba za Tanzania hazijapimwa? Udogo wa mishara kiduchu ya waTZ wengi hamuwezeshi mtanzania kupata mikopo ya kujenga nyumba za kisasa
     
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