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Utapeli Benki ya CRDB!

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Bw.Ukoko, Jul 7, 2009.

  1. B

    Bw.Ukoko Member

    #1
    Jul 7, 2009
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    Hivi mmekwisha note utapeli katika benki hii hasa katika charges wanazotoza kwa wateja hasa wenye kadi za VISA.
    ukitaka kujua wizi huu,jaribu kuomba taarifa fupi ya account yako utashangaa kuona yafuatayo
    ATM charge.........350/=
    ATM Monthly Charge......350/=
    ATM Widhraw charge.......350/=
    Monthly Charge.............500/=
    Na kuendelea .......................................................

    Hivi hizi charge zipo kwenye bank nyingine,kwa mtazamo wa haraka hara unaweza kudhani ni fedha kidogo lakini ni kubwa sana kwani kwa mwezi wanalamba karibu 4,000 kwa mteja mmoja.

    AU ndiyo gharama ya kuitunza fedha zetu
     
  2. GM7

    GM7 JF-Expert Member

    #2
    Jul 7, 2009
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    Duh! hapo sasa. Manitoba hebu mwaga sera hapo.
     
  3. Pundamilia07

    Pundamilia07 JF-Expert Member

    #3
    Jul 8, 2009
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    Mkuu Ukoko,
    ninakupa ushauri wakati unaendelea kujiuliza juu ya hizo ATM withdral charges, ni vema basi ufanye utafiti na Benki yako ili ujue kama huduma hizo zinatolewa bure.
    Kwa kawaida kama huduma imatolewa bure utakuwa umetaarifiwa vingine kama ipo kimya basi ujue kuna fees inayoambatana na huduma hiyo. Kumbukumbu zangu ni kwamba si kla ATM hapa duniani una-transact free of charge. Hata kule katika nchi zilizoendelea zipo ATM zinazocharge a certain fees na kuna zile ambazo fees yake unailipa 'kiaina'. But bottom line hakuna huduma ya bure katika uso huu wa dunia, hata ukienda 'x' sadaka lazima utoe!
     
  4. k

    kanda2 JF-Expert Member

    #4
    Jul 8, 2009
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    hii ndiyo benki zilipopitishwa pesa za EPA ZOTE.
     
  5. M

    Malyamungu JF-Expert Member

    #5
    Jul 8, 2009
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    Hii benk huwa ni hatari; Niliomba mkopo Tawi la Arusha nikawa na sifa yule meneja fedha akaniambia atanipigia tuongee baada ya kazi. Kilichofuata ni kuniambia 'utanipa 5milion kama unakopa 50m'. Nikamwambia kama tutasaidiana kulipa haina noma. Jamaa alikasirika sana.
     
  6. The Farmer

    The Farmer JF-Expert Member

    #6
    Jul 8, 2009
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    Hapa sijakupata vizuri, ATM Charge na ATM withdraw charge zinatofautianaje???
     
  7. Pundamilia07

    Pundamilia07 JF-Expert Member

    #7
    Jul 8, 2009
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    Mkuu,
    Kama this was true na ulikuwa serious na huo mkopo ulichukua hatua gani?
     
  8. Abdulhalim

    Abdulhalim JF-Expert Member

    #8
    Jul 8, 2009
    Joined: Jul 20, 2007
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    Huu ni uongo!!

    Point kuwa ukiwa na akaunti fulani lazima ulipie SI KWELI..i have been a customer for 3 different banks nilipokuwa nchi fulani na huduma za msingi zote ni free of charge..

    Ukitumia huduma za ziada ndipo unatozwa charge kiasi flani..
     
  9. Pundamilia07

    Pundamilia07 JF-Expert Member

    #9
    Jul 8, 2009
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    Hebu tutajie huduma gani za msingi ulizokuwa ukizipata bure?
     
  10. Abdulhalim

    Abdulhalim JF-Expert Member

    #10
    Jul 8, 2009
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    Kuweka na kuchukua pesa.
     
  11. Pundamilia07

    Pundamilia07 JF-Expert Member

    #11
    Jul 8, 2009
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    Je, ulikuwa una akaunti ya namna gani, current ? checking or saving?
     
  12. M

    Mkereme JF-Expert Member

    #12
    Jul 8, 2009
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    Pundamlia!

    You are absolutely right namshauri Abduhalim aache munkari !! Hakuna huduma ya bure juu ya ardhi hata ukishakufa there is a price to pay:the guy who is hiding about payment for attending a church is right. Hata ukifungwa jela somebody is paying and the price tag on you is even much bigger!!

    When they say free it means it is a hidden cost!! Banks are there to make money period!wanaweza wakawapa interest lets say ya 4.5% per annum but they were supposed at corporate level kuwapa interest ya 6.5% that means the 2 percentum is retained by the Banks and is used to cover those hidden costs halafu wajidai kusema huduma 4 ni bure !!!Bull shit wajinga ndio waliwao !!!

    KAMA BOT wamelala wajifanya hawajui wizi kwenye ATM then the EPA and DECI deals ni sawa na wonderland kwao kwa nini hawataki kuplay role yao ya control !!! The BOT is really a budden to us!!!!
     
  13. Abdulhalim

    Abdulhalim JF-Expert Member

    #13
    Jul 8, 2009
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    Sasa naona unatafuta ligi..Ukweli ndio huo nimeshakupa kuwa SIO KILA AKAUNTI INA MAKATO..Hivyo haitajalisha ni aina gani ya akaunti nilikuwa nayo, general statement yako sio sahihi...

    Tena kwa kuongezea, hata kadi ya ATM nayo ilikuwa free of charge!!
     
  14. Abdulhalim

    Abdulhalim JF-Expert Member

    #14
    Jul 8, 2009
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    Someone seem to repel education here..lolz
     
  15. Pundamilia07

    Pundamilia07 JF-Expert Member

    #15
    Jul 8, 2009
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    Ni aina gani za akaunti ulizokuwa unaendesha, current/checking au saving?
     
  16. Abdulhalim

    Abdulhalim JF-Expert Member

    #16
    Jul 8, 2009
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    Rejea post #13
     
  17. Bill

    Bill JF-Expert Member

    #17
    Jul 8, 2009
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    Huduma za ATM benki zote unapochukua hutozwa si chini ya shs 300 na service ya kadi hutozwa pia kwa mwezi. Hakuna cha ajabu hapa
     
  18. Tiba

    Tiba JF-Expert Member

    #18
    Jul 8, 2009
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    Jamani we need not to generalize. Huduma za ATM katika nchi nyingi za ulaya ni bure endapo unachukua pesa kwenye ATM ya banker wako. Ukichukua pesa kutoka kwenye ATM ya benki tofauti (Nchi nyingi za ulaya ATM zinaingiliana na unaweza kuchukua pesa kutoka ATM inayomilikiwa na benki yoyote) then kuna charge ya Euro 1 na wanakutahadharisha kabisa kabla haujaendelea kuchukua hiyo hela kwamba kutakuwa na charges.

    Kwa hiyo wanaosema huduma ya ATM sio bure inategemea wanazungumzia ATM za wapi!!!!

    Tiba
     
  19. Pundamilia07

    Pundamilia07 JF-Expert Member

    #19
    Jul 8, 2009
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    Mkuu Mkereme,
    Ulichofanya ni kupigilia msumari wa mwisho katika ubao wa maelezo.
    Nilikuwa ninataka ni kumkuchulia taratibu ndugu yetu Abdulhalim ili nimpe somo linalohusu PRICING na kumuelewesha how HIDDEN cost zinavyohusika katika Pricing process.
    Lakini nadhani maelezo uliyoyatoa ni mepesi sana kwa mtu wa kawaida kuyaelewa, na ni matumaini yangu kuwa ameelewa kwamba hakuna bure au free lunch. Abdulhalim anasahau kuwa pesa yake iliyopo benki ndiyo biashara ya benki. Interest anayopewa mteja wa saving account ni net ya gharama zote za uendeshaji wa benki plus faida nono. Kwa hiyo basi instead of getting Shs 100 mteja huishia kupata Shs 20 then anadai kuwa anapewa huduma ya bure. Biashara za huduma huweka msingi wa kutengeneza faida kupitia hidden cost wakati wanapotengeneza bei zao.
    Moja ya matatizo ambayo huwakumba watanzania wenzetu hasa wale ambao huwa wanatuwakilisha katika negotiations mbalimbali, hupigwa bao katika kipengele hiki. Kwa mfano muuzaji wa mitambo ya umeme anakupa bei labda ya kukuuzia mitambo wa hiyo and the sametime anakwambia na nitakupa na wataalam wa kuisimamia hiyo mitambo bure kwa mwaka mzima, halafu nitakupa ofa ya kuwafundisha mafundi wako hapa kwangu kwa muda wa mwaka mzima at a half price lakini utawalipia gharama za malazi na chakula. Kwa harakaharaka tunakimbilia kuwapa kazi ati tu kwa sababu atatupa wafanyakazi wake bure kwa mwaka mzima, atatufundishia wafanyakazi wetu at half price...in fact bei uliyonunulia mitambo hiyo tayari ilikwisha cover gharama zote, halafu unamwona mtu anakuja kifua mbele...tumepewa huduma nyingine bure!!!!
     
  20. Pundamilia07

    Pundamilia07 JF-Expert Member

    #20
    Jul 8, 2009
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    Unachosema ni sahihi, lakini ni kwamba kama wewe una akaunti kwenye benki ambayo unatumia ATM yao ni kuwa tayari wana advantage ya kuitumia ile pesa yako katika kuizalisha na pia kuweza kufidia gharama za matumizi ya ATM. Kwa kawaida katika faida inayopatikana katika kuzalisha kwa kukopesha akiba zinazowekwa na wateja ndiyo pia hapo benki hutoa gharama za matumizi ya ATM. Kwa hiyo basi badala ya kuwapa wateja faida zaidi wanatoa gharama ATM, gharama zingine pamoja na faida then amount inayobaki ndiyo wanayopewa wateja kulingana na interest rate.
     
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