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Zp ni dhamana( collateral) nzuri kwa mikopo midogo midogo?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Changamoto2015, Oct 11, 2012.

  1. C

    Changamoto2015 JF-Expert Member

    #1
    Oct 11, 2012
    Joined: Oct 1, 2012
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    WANA JF,

    NATUMAI MU WAZIMA WA AFYA.

    NINATAKA KUANZA KUFANYA BIASHARA YA UKOPESHAJI WAJASIRIAMALI KWA RIBA AMBAYO NI REASONABLE KWA PANDE MBILI ZOTE ( MIMI MKOPESHAJI NA MKOPAJI). KIWANGO KITAANZIA TZS 50K - 200K MAX, MUDA WA MAREJESHO UTAKUWA MFUPI KWA MWEZI MMOJA MMOJA.
    NINA LENGA WAFANYAKAZI WENYE MISHAHARA KWA UHAKIKA ZAIDI WA MAREJESHO, KADIRI MUDA UTAKAVYOKWENDA NITAJITANUA TARATIBU KWA KADA NYINGINE ZA WAJASIRIAMALI.
    NIMEFANYA SURVEY NA KUFAHAMU YA KWAMBA DEMAND YA MIKOPO BADO NI KUBWA MNO NDANI YA NCHI YETU, TAASISI ZOTE ZA KIFEDHA KWA UJUMLA WAKE NDANI YA NCHI BADO HAZIKIDHI MAHITAJI YA NDANI NA HASA KWA WATU WENYE KIPATO CHA CHINI ( SOMA RIPORT YA FINSCOPE FinScope :: Redirecting... AU 2011 ANNUAL RETURN YA BLUE FINANCE).
    SASA NAOMBENI MSAADA WENU KENYE MAMBO MAWILI YAFUATAYO:-
    1) UKITOA SACCOS NA COMMERCIAL BANKS, JE KAMPUNI NYINGINE ZINAZOKOPESHA ZINA CHARGE RIBA YA KIASI GANI? NITASHUKURU KAMA UTANIPATIA NA JINA LA TAASISI HIYO.
    2) JE, KWA KAWAIDA WANACHUKUA DHAMANA/COLLATERAL ZA AINA GANI?

    ASANTENI SANA.
     
  2. King Kong III

    King Kong III JF-Expert Member

    #2
    Oct 11, 2012
    Joined: Oct 15, 2010
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    Nenda BOT watakupa muongozo.
     
  3. C

    Changamoto2015 JF-Expert Member

    #3
    Oct 11, 2012
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    Shukrani mkuu king kong iii, ngoja nisubiri wadau wengine nisikie michango yao.
     
  4. mathematics

    mathematics JF-Expert Member

    #4
    Oct 11, 2012
    Joined: Feb 21, 2012
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    wazo mzuri mzee ni biashara nzuri sana, ila pia ni ngumu sana sababu kudhulumiwa nje nje, hivyo jiandae kwa "majanga" mengi!

    kuepuka "majanga" ni vizuri ulivyoamua kuchukua collaterals. Lakini vilevile fahamu kukopesha watu bila kibali au kusajiliwa ni kinyume cha sheria jiandae kwa hili pia, angalia unayetaka mkopesha asije kuwa mtu anakutega halafu baadaye akakuchome!

    collaterals nzuri kwa mikopo midogo midogo ni zile zinazohamishika tv/computer/laptops/friji etc, zinazohamishika kwa sababu itabidi unakichukua kile kitu na unakiweka mikononi mwako mpaka mkopaji alipe deni, hii ni sababu utakuwa huna kibali kwahiyo mkopaji akiamua kukugeuka asikulipe huna uwezo wa kumshitaki, au hata ukifanikiwa mtasumbuana sana. Lakini kikiwa mikononi mwako akishindwa kulipa/au akileta usumbufu unakiuza na kurejesha fedha zako.

    Muhimu pia kwenye collaterals ukimkopesha mtu laki2 lazima alete kitu chenye thamani mara mbili au hata 2/3 ya pesa anayokopa, hii ni sababu kama mkopaji ameshindwa makubaliano kwa pesa ya haraka itabidi ukiuze kile kitu nusu bei!
     
  5. C

    Changamoto2015 JF-Expert Member

    #5
    Oct 11, 2012
    Joined: Oct 1, 2012
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    Mkuu nakushukuru sana kwa mchango wako. Umenipa mwanga wa vitu vingi vya kuangalia na kuviweka sawa mapema.

     
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