Asilimia 80 ya wakazi Dar hawajui kutunza fedha | JamiiForums | The Home of Great Thinkers

Dismiss Notice
You are browsing this site as a guest. It takes 2 minutes to CREATE AN ACCOUNT and less than 1 minute to LOGIN

Asilimia 80 ya wakazi Dar hawajui kutunza fedha

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by MziziMkavu, Jul 26, 2012.

  1. MziziMkavu

    MziziMkavu JF-Expert Member

    #1
    Jul 26, 2012
    Joined: Feb 3, 2009
    Messages: 39,229
    Likes Received: 4,022
    Trophy Points: 280
    [​IMG]

    Florence Majani

    UTAFITI uliofanywa na Taasisi ya kifedha ya Finscope, umebaini kuwa, asilimia 21 tu ya wakazi wa Jiji la Dar es Salaam na vitongoji vyake ndiyo wenye elimu ya usimamizi wa fedha huku asilimia 48 tu, wakiwa na ufahamu wa jinsi ya kujiwekea akiba.

    Matokeo ya utafiti huo yanamaanisha kuwa, karibu asilimia 80 ya wakazi wa Dar es Salaam, hawana elimu hiyo muhimu kwa maendeleo ya kiuchumi.

    Aidha utafiti huo ulionyesha kuwa, wanawake ni asilimia 54 ya wakazi wa jiji ambao huchukua mikopo na ni kundi ambalo ni waathirika wa ukosefu wa elimu hiyo ya kifedha.
    Utafiti huo uliofanywa mwaka 2009 ulibaini kuwa idadi kubwa ya Watanzania wanashindwa kufikia malengo ya kimaendeleo kwa kukosa elimu hii ya usimamizi wa kifedha na wengine kudidimia zaidi katika umasikini kwa sababu hiyo.

    Akizungumza wakati wa semina kwa waandishi wa habari jana jijini, mtoa mada Ally Goronya alisema kutokana na hali hiyo, taasisi ya Nuebrand inatarajia kutoa elimu ya huduma ya kifedha na uwekezaji bure kwa muda wa siku nne kuanzia Oktoba 10 hadi 13, katika Viwanja vya Mnazi Mmoja.

    Kuhusu madhara ya ukosefu wa elimu hiyo kwa Watanzania, Goronya alisema wateja wengi wanaochukua mikopo wamekuwa wakidhulumiwa haki zao kwa sababu hawana elimu ya kutosha ya kifedha.


    “Watanzania wengi wanakwenda kuchukua mikopo, lakini wanashindwa kujua haki zao jambo linalosababisha mikopo hiyo kutowasaidia na badala yake kuwadidimiza katika lindi la umasIkini,” alisema Goronya
    Alisema wengi huchukua mikopo bila kupata elimu na kujua haki zao ili kuwalinda na kunufaika na mikopo hiyo akitolea mfano, riba kubwa, muda wa marejesho na haki ya kuvunja mkataba wa marejesho kama masuala yanayowatesa wakopaji.

    “Wakati mwingine watoaji wa mikopo huacha kwa makusudi kuwaelewesha vizuri au kuwapa elimu watumiaji wa huduma hiyo, ili wawadhulumu haki zao, hasa katika marejesho na riba,” alifafanua Goronya.

    Aliongeza zaidi na kusema kuwa ni vyema Watanzania wakapata elimu hiyo ili wajue uchaguzi sahihi wa taasisi za fedha za kupata huduma, kwa kuangalia kiasi cha riba kinachotozwa, muda wa marejesho, muda wa kupewa mkopo na usiri wa taarifa za mtumiaji.

    Ofisa Mawasiliano wa Kampuni hiyo, Deogratius Kishombo alisema katika kampeni hiyo ambayo imepewa jina la ‘Wiki ya Huduma za Kifedha na Uwekezaji’, Watanzania watapewa elimu ya kukabiliana na madeni, kuhifadhi fedha, bajeti na nidhamu ya mikopo.
    Asilimia 80 ya wakazi Dar hawajui kutunza fedha
     
  2. Slave

    Slave JF-Expert Member

    #2
    Jul 26, 2012
    Joined: Dec 6, 2010
    Messages: 5,124
    Likes Received: 486
    Trophy Points: 180
    Hii elimu ni muhimu sana katika jamii taasisi nyingi zinafundisha tu namna ufanye nini ili upate fedha lakini hawafundishi namna ya kumjengea nidhamu ya matumizi ya pesa,pengine post hii sasa iwe ni sehemu muhimu kwa wana jf wenye elimu na mambo haya kutoa elimu zao hapa.
     
  3. Father of All

    Father of All JF-Expert Member

    #3
    Jul 26, 2012
    Joined: Feb 26, 2012
    Messages: 3,094
    Likes Received: 12
    Trophy Points: 135
    Mtimkavu you are right. Umenikumbusha jinsi watu wengi Dar walivyoingizwa mjini na kampuni moja tapeli iliyojulikana kama Jaba. Iliwaletea migari iliyokwisha kuwa written off wakaipwakia na kula kwao. Tatizo pia linachangiwa na serikali kwa kuendekeza kuwalinda wezi wachache wanaoonekana kufanya vizuri kifedha wakati ni wezi na mbumbumbu wasiojua kutunza fedha. Jikumbushe maisha ya kibiashara ya Gulamali na wenzake.
     
  4. zomba

    zomba JF-Expert Member

    #4
    Jul 26, 2012
    Joined: Nov 27, 2007
    Messages: 17,082
    Likes Received: 38
    Trophy Points: 0
    Ni wakati muafaka wasome "Rich Dad Poor Dad".

    Wazo: Mtambuzi aanze na hii task ya kutafsiri hiki kitabu Kiswahili kinaweza kuwa big hit badala ya kututafsiria vile visa vya Hollywood pekee.
     
    Last edited by a moderator: Jan 4, 2016
  5. S

    Silicon Valley JF-Expert Member

    #5
    Jul 26, 2012
    Joined: Mar 6, 2012
    Messages: 504
    Likes Received: 133
    Trophy Points: 60
    ni jambo jema sana lakini kumbukeni watanzania hawako mnazi mmoja tu its just 0.0000001% ya watanzania, nashauri mikakati mingine ifanyike na wale wa mikoani pia
     
  6. Mtambuzi

    Mtambuzi Platinum Member

    #6
    Jul 26, 2012
    Joined: Oct 29, 2008
    Messages: 8,752
    Likes Received: 1,134
    Trophy Points: 280
    Nianze lini hiyo kazi mkuu......................?
     
  7. zomba

    zomba JF-Expert Member

    #7
    Jul 26, 2012
    Joined: Nov 27, 2007
    Messages: 17,082
    Likes Received: 38
    Trophy Points: 0
    Immediately.
     
  8. zomba

    zomba JF-Expert Member

    #8
    Jul 26, 2012
    Joined: Nov 27, 2007
    Messages: 17,082
    Likes Received: 38
    Trophy Points: 0
    Ndio maana tumemuomba Mtambuzi atutafsirie kitabu kinachofundisha mambo ya fedha "Rich Dad Poor Dad".
     
    Last edited by a moderator: Jan 4, 2016
  9. r

    rodrick alexander JF-Expert Member

    #9
    Jul 26, 2012
    Joined: Feb 12, 2012
    Messages: 3,863
    Likes Received: 1,256
    Trophy Points: 280
    Swala si kuweka pesa bank zamani ukiweka pesa bank pesa yako inaongezeka sasa hivi nikiweka pesa bank zinapungua kwani kuna service charge wanakata kila mwezi,kila nikitoa pesa wanakata pesa ,sijawahi kupata faida kutokana na pesa ninayoweka bank ingawa pesa hizo hizo zinanunua dhamana,zinakopeshwa kwa hiyo nikajiuliza niweke pesa bank zipungue au niwekeze sehemu nyingine nimeamua siwezi kuwaruhusu bank waniibie pesa zangu kwa kisingizio cha service charge au upuuzi mwingine
     
  10. Z

    ZeMarcopolo JF-Expert Member

    #10
    Aug 7, 2012
    Joined: May 11, 2008
    Messages: 13,571
    Likes Received: 428
    Trophy Points: 180
    Ili uweke akiba au uwe na interest ya kuweka akiba ni lazima kwanza pesa yenyewe uwe nayo. Asilimia 80 ya wakazi hawana uhakika wa milo mitatu, watafikiria vipi kuweka akiba. Huo utafiti ni void! walitakiwa kutafiti from among watu wenye kipato ambacho ni above the living average.
     
  11. Micha

    Micha JF-Expert Member

    #11
    Aug 7, 2012
    Joined: Sep 12, 2011
    Messages: 269
    Likes Received: 2
    Trophy Points: 0
    Hii ni kweli kabisa, ndiyo maana ukienda benki leo kama unataka mkopo utapewa maelezo ya ubabaishaji tu ili mwisho wa siku kama utaamua kukopa wakuchakachue. Benki nyingi za siku hizi hawatoi maelezo sahihi na zaidi wanafanya matangazo ambayo ni 'window dressing' kwa sababu hayafanani na ukweli wa huduma wanazotoa.
     
Loading...