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Ya Easy Finance

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Game Theory, Jan 15, 2011.

  1. G

    Game Theory JF-Expert Member

    #1
    Jan 15, 2011
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    Inasemekana kama kuna mtu unamdai halafu hataki kukulipa na hasa kama ni mdosi basi mwone yule mtu mfupi mweusi anavaa suti oversize ambaye ni owner wa Easy Finance.

    Jamaa unaambiwa methods zake hata Tony Soprano ataonekana ni kama cenderella

    Je inamaana jamaa ameamua kufanya extension ya kazi za kuwanyonya wafanyakazi waliochukua mikopo Easy Finance? na je sheria inaruhusu jamaa akombe mshahara wote kwa waliokopa hizo pesa huko EF?

    Na kama jamaa ni mzuri kwenye ku torture watu kwa nini asiombe kazi kwenye serikali ya Mugabe?
     
  2. Ikimita

    Ikimita JF-Expert Member

    #2
    Jan 15, 2011
    Joined: Oct 23, 2010
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    Mkuu ina maana mshahara wako unapitia Easy Finance kwa vile una mkopo?

    Kama ndivyo wanaweza vipi kukukata kwenye mshahara wako deni la third party bila ridhaa yako? Kwani mkataba wako na Easy Finance si unakuonyesha jinsi makato ya mkopo yatakavyokuwa? Sasa shortie wa oversize suit anatoa wapi huo ujasiri? Mkuu angalia vizuri mkataba wako. Hata hivyo watu wengi wanapokuwa wakopa kutoka taasisi za kifedha huwa hawaangalii kwa kina vipengele vya mkataba na matokeo yake hujikuta wameingia mkenge.
     
  3. newmzalendo

    newmzalendo JF-Expert Member

    #3
    Jan 16, 2011
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    watu amkeni,kuweni macho. if the loan is not from a bank,ujue its an outfit of LOAN SHARKS hao easy finance na wengineo ni loan sharks. pole sana
     
  4. P

    Pascal Mayalla JF-Expert Member

    #4
    Jan 16, 2011
    Joined: Sep 22, 2008
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    Mimi binafsi ni mkopaji mzuri Easy Finance kwa short time loans.
    Jamaa ni wakombozi, ukiuthibitisha uaminifu wako, mkopo ndani ya saa 1.
    Interest ni 30%pm. Ukirudisha kabla ya mwezi utatozwa 1% times days ulizochukua.
    La mwisho Easy Finance unakwenda mwenyewe kwa shida/dhiki zako. Pale unapewa fomu unajaza kwa hiari yako. Masharti yako wazi, unasign unapata pesa na kuondoka kwa furaha, walalamishi wote ni wale 'kulipa matanga' na kusema kweli watu wa type hii wanafabanwa mbavu na ndio hawa wanaolia lia humu.

    Dawa ya deni ni kulipa kwa wakati vinginevyo usikope!.
     
  5. Anfaal

    Anfaal JF-Expert Member

    #5
    Jan 17, 2011
    Joined: Jan 19, 2010
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    Pasco, Unajisifia interest rate ya 30% kwa mwezi. Huu ni uwizi na hakuna namna njema ya kuulezea zaidi ya hiyo. Kwa mwaka ni zaidi ya 360% ukicompound interest rates. No way kuna haja ya intervention kwenye Taasisi za hivi. Kuna tatizo la upatikanaji wa mikopo kutokana na hulka ya kutolipa but what the guys are charging imepitiliza. Kwanini usijenge huo uhusiano na benki au muwe na SACCOS zao?
     
  6. Mahesabu

    Mahesabu JF-Expert Member

    #6
    Jan 17, 2011
    Joined: Jan 27, 2008
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    ANFAAL....BENK WANA URASIMU MWINGI SI WAKOMBOZI KWA WATAFUTAO MIKOPO......EASY FINANCE NI WALAFI NA WATU WANAPATA MIKOPO..........!
    my take: wote si suluhisho la hali ngumu kwa watu wadogo..but vigogo wananeemeka
     
  7. P

    Paul S.S Verified User

    #7
    Jan 17, 2011
    Joined: Aug 27, 2009
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    Nilicho muelewa pasco ni kuwa huko unakwenda mwenyewe bila kulazimishwa na mashariti na mkataba unasoma na unasaini kuonyesha kukubaliana nao kwa hizo rates za kiwizi.
    Sasa iweje leo wakati wa kulipa uanze kulalama as if ulikua hujui kitu.
    Nakubaliana na wewe rate zao zipo juu sana lakini sasa mabenki nayo utata mtupu kupata mkopo.
     
  8. Anfaal

    Anfaal JF-Expert Member

    #8
    Jan 18, 2011
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    Ndugu yangu hili soko linahitaji kuwa regulated. Hivi wapi watakopa kwa interest kubwa hivyo? ndio mara nyingi utasikia wananchi wanalalamika deni haliishi. Hawa wanachokifanya ni kutumia ujinga wa wakopaji katika kuwaibia. Ni bora wananchi wajiunge wao kwa wao, na waandae taratibu zao hata kama za kimila zinaweza kuwasaidia. Nakumbuka miaka ya nyuma wanawake walikuwa na mchezo kwamba wanakusanya pesa halafu siku ikifika wanampa fulani yaani wanakuwa wanazunguka. Hizi njia ambazo wananchi ambao hawana elimu kubwa wanazobuni wenyewe kama watasaidia kuziboresha ndio zitakazowakomboa, ila hawa wengine wanawaibia.
     
  9. Anfaal

    Anfaal JF-Expert Member

    #9
    Jan 18, 2011
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    Benki wanahitaji uwe na security na pia ile dhana waliojingea mashuleni/vyuoni kwamba Watanzania hawana culture ya kulipa. Hii kuna haja ya kuifanyia utafiti otherwise uvumi tunaouanzisha ndio unaotugharimu. Bila kuwa na mtaji wa kueleweka ni vigumu saana kufanya biashara au kuwa mjasiliamali licha ya kuwa madarasani zinapigwa kelele kwamba mtu huhitaji capital kuanzisha biashara. Ukiwauliza wanaopiga kelele hizi wao biashara zao walianza kwa kuuza maneno na wakawa wanakula nini, jibu huwa ni gumu. Kwenye benki, namna pekee ni kurasimisha vitu wanavyomiliki waliowengi ndio utakuwa msaada,
     
  10. K

    Koba JF-Expert Member

    #10
    Jan 18, 2011
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    Hizi loan sharks hazisaidii chochote katika maendeleo ya watu,ni kutiana umaskini tuu bila sababu,lazima ziwe regulated la sivyo madhara yake ni makubwa kuliko umaskini wenyewe
     
  11. TIMING

    TIMING JF-Expert Member

    #11
    Jan 18, 2011
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    risk yao kukopesha wabongo ni kubwa hivyo high interest rates ni inevitable... na benki zetu unapimwa hadi damu ni ukiritimba na rushwa pia

    ila la kutesa wakopaji hilo nikosa.... BTW, wanapata wapi nguvu ya kutesa watu?
     
  12. Anfaal

    Anfaal JF-Expert Member

    #12
    Jan 18, 2011
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    Acid, watu tunachanganya vitu hapa. Kuna risks hazitokani na wabongo yaani ni tofauti na default risks. Ila kuna risks zinatokana na inflation na hasa depreciation ya value ya currency. lakini pamoja na haya, hawa watu wanaiba. Jipe muda ifuatilie benki ya CRDB faida zake na mabenki mengine. Yaani utachoka. Hii high interest rates itaondolewa na competition na pale watu watakapoboresha informal means za kukopeshana wao kwa wao. They are reaping our money. Hivi unajua deposit yako inapewa interest kiasi gani???
     
  13. The Finest

    The Finest JF-Expert Member

    #13
    Jan 18, 2011
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    Masharti na vigezo kuzingatiwa
     
  14. TIMING

    TIMING JF-Expert Member

    #14
    Jan 18, 2011
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    mkuu... ni kweli kabisa... kumbuka hata hizo benki tunalipa 15-23 percent tukikopa kama interest (ingawa muda wa kulipa ni mzuri)... tukiweka wanakupa chini ya 1 unless umeweka nyingi na ni kwenye FD

    kwa ujumla soko la pesa bado sana na wanaofaidika ni wenye hizo financial institutes
     
  15. P

    Pascal Mayalla JF-Expert Member

    #15
    Jan 18, 2011
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    Anfal nimekueleza ni short term loan hivi umefiwa leo mazishi kesho benki gani itakupa milioni moja au mbili within one hour?. Ukirudisha hiyo pesa within 10 days interest ni only 10% kuna ubaya gani?. Benki gani inatoza 10% interest?. Benki yangu ni CRDB proces ya quick loan takes 14 days na interest ni 20% sasa lipi afadhali, ukope ujisetiri na shida yako au usubirie michango ya daftari la rambi rambi uadhirike?. Wafaidika wakuu wa mikopo kama ya Easy Finance ni watu waaminifu wenye shida genuine.
    Bado nasisitiza Easy Finance ni wakombozi?.
     
  16. Anfaal

    Anfaal JF-Expert Member

    #16
    Jan 18, 2011
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    Hapa ndio ambapo nimekuwa nikisema. Watu wanaibia kutokana na kutokujua. Hiyo interest Pasco si ya 10% kama unevyojiridhisha. Ukisema 10% inaamana ni per annum. Ndio maana kwenye swali lako unaridhisha kuwa benki gani inatoza interest ya 10%. For your info hiyo loan yako ni very expensive yaani ukiipeleka kibenk based on the number of days (10 days), kwa benk ni between 1-2% and not more.
    Labda hoja yako ya dharura ingawa kuna mifuko ya Pensheni wanahiyo product angalia terms zake kama zinawezekana. Ila kwa biashara au hata kuendesha maisha hiyo interest ni kubwa mnoo. Ninakushauri omba msaada kwa wataalam wa fedha utakapotaka kukopa.
     
  17. Masikini_Jeuri

    Masikini_Jeuri JF-Expert Member

    #17
    Jan 19, 2011
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    Nakubaliana nawe niliwahi ku wa approacha hawa jamaa; uzuri nilienda na akailia za ziada pia...............
     
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