Battle: Dar es Salaam vs Nairobi

[The best 007]

Ulikuwa unataka niseme nini?

Aibu sn mkuu, sisi kwa miaka mi5 tu tumenunua 11 na angekuwepo huyu mzee mpk anatoka zingefika 30 mana speed yake ilikuwa inashangaza ulimwengu.

 

[Geza Ulole]

Maoni yangu kuhusu Naikuni na project mawingu nimeshawahi kuiandika mara nyingi. Hata this week niliandika

ndo maana nimekuambia Equity Bank inafuata dangerous approach ya project Mawingu ya KQ pia! yaani kukopa ili kulipia expansion! Mind u Tanzania is building serious ports in her Western region aside the fact CRDB is to enter eastern DRC! many of those customers that use northern corridor might move to central corridor as all what CRDB needs to do is to play with interest rates! Mind u CRDB will have no obligation to pay the loan like Equity Bank!

 

[The best 007]

Magufuli kwenye miundombinu katuheshimisha sana Daima atabaki miyoyoni mwetu mpaka tutakapoonana tena

Moja kati ya kazi zake za Hivi karibuni, hata hajaizindua maskini

View attachment 1733955

Watakuambia wanatuzd kms of paved roads, wanahesabu mpk roads za mashimo mashimo wkt cc hatuhesabu.

 

[ichoboy01]

 

[Tony254]

ndo maana nimekuambia Equity Bank inafuata dangerous approach ya project Mawingu ya KQ pia! yaani kukopa ili kulipia expansion! Mind u Tanzania is building serious ports in her Western region aside the fact CRDB is to enter eastern DRC! many of those customers that use northern corridor might move to central corridor as all what CRDB needs to do is to play with interest rates! Mind u CRDB will have no obligation to pay the loan like Equity Bank!

Wacha mchezo. Equity bank ipo Kinshasa ambayo ipo western DR Congo ilhali CRDB inaingia Eastern DR Congo. Customers wa Equity bank ni tofauti na customers wa CRDB. Halafu njoo tuongee pindi tu CRDB itakapofungua branch DR Congo. Kwa sasa ni bla bla bla tu lakini pengine hata hamtafungua branch.

 

[Geza Ulole]

Wacha mchezo. Equity bank ipo Kinshasa ambayo ipo western DR Congo ilhali CRDB inaingia Eastern DR Congo. Customers wa Equity bank ni tofauti na customers wa CRDB. Halafu njoo tuongee pindi tu CRDB itakapofungua branch DR Congo. Kwa sasa ni bla bla bla tu lakini pengine hata hamtafungua branch.

KQ is all over Africa n is minting losses year out year in like no one's business! Stategic-wise Kenyan companies r always failures! Equity bank is expanding beyond its means i.e. without enough financing and has taken loan to finance its overambitiously plan while anticipating no competition in that market is to be faced.

Equity Bank can't see how the business orientation will abruptly change upon current projects in the Eastern Congo r done! As i tell u CRDB will not have an obligation to pay any loan upon entering DRC! A simple play at interest rates, Equity Bank will be trapped in!

 

[Tony254]

KQ is all over Africa n is minting losses year out year in like no one's business! Stategic-wise Kenyan companies r always failures! U can't see how the business orientation will abbruotly change upon current projects in the Eastern Congo r done! As i tell u CRDB will not have an obligation to pay any loan upon entering DRC! A simple play at interest rates, Equity Bank will be trapped in!

Nishakueleza kwamba business ya bank ni tofauti na business ya airlines. Sijui unataka kuambiwa nini tena. Mtu akili punguani tu ndiye anayeweza kulinganisha airline business na bank business. Halafu wacha nirudie tena maana husikii, Equity bank haitacompete na CRDB maana zipo in different areas of the country. Halafu nishakueleza kuwa loans kutoka benki za ulaya ni cheap. Loans from multilateral agencies kama Afdb ni even cheaper. Kuomba loan sio tatizo, tatizo ni kuomba loan at a high interest rate. Kenya tunaumia sana sio kwa sababu tunaomba loans bali kwa sababu tunaomba loans mbaya za kinyonyaji. Kwa mfano loans za China zina high interest rates and fast maturity rates. Eurobonds ambazo serikali ya Kenya inapenda sana pia zina high interest rate and fast maturity rates. Swali la kwanza ambalo ulitakiwa ujiulize kama an expert in finance ni "Je, what is the interest rate and maturity rate of the loan yenye Equity imeomba from Afdb?"
Afdb ni multilateral agency na loans zao huwa ni cheap and terms and conditions zipo favourable. Halafu pia unastahili kujiuliza what is the gearing ratio of Equity bank. Ikiwa Equity bank ina low gearing ratio basi inaruhusiwa kuborrow loan bila kuwa na risk ya kudefault.

 

[LURIGA]

R.I.P JPM. We will always remember you through the good things you have done for our lovely country!

 

[Geza Ulole]

 

[Geza Ulole]

Nishakueleza kwamba business ya bank ni tofauti na business ya airlines. Sijui unataka kuambiwa nini tena. Mtu akili punguani tu ndiye anayeweza kulinganisha airline business na bank business. Halafu wacha nirudie tena maana husikii, Equity bank haitacompete na CRDB maana zipo in different areas of the country. Halafu nishakueleza kuwa loans kutoka benki za ulaya ni cheap. Loans from multilateral agencies kama Afdb ni even cheaper. Kuomba loan sio tatizo, tatizo ni kuomba loan at a high interest rate. Kenya tunaumia sana sio kwa sababu tunaomba loans bali kwa sababu tunaomba loans mbaya za kinyonyaji. Kwa mfano loans za China zina high interest rates and fast maturity rates. Eurobonds ambazo serikali ya Kenya inapenda sana pia zina high interest rate and fast maturity rates. Swali la kwanza ambalo ulitakiwa ujiulize kama an expert in finance ni "Je, what is the interest rate and maturity rate of the loan yenye Equity imeomba from Afdb?"
Afdb ni multilateral agency na loans zao huwa ni cheap and terms and conditions zipo favourable. Halafu pia unastahili kujiuliza what is the gearing ratio of Equity bank. Ikiwa Equity bank ina low gearing ratio basi inaruhusiwa kuborrow loan bila kuwa na risk ya kudefault.

So unataka kutuaminisha kwamba interest rates za CRDB zikiwa chini wateja wa Equity bank wanaofanya biashara na Dar port still watabakia Equity bank? Hivi unajua kwanini wako Equity bank na kwann baadhi ya wateja wa DRC wanatumia Mombasa Port (though DRC cargo accounts for 55% of Dar port transit)? sababu ni kwamba hamna direct flight connection to eastern DRC toka Tanzania na pia hamna banking services!

FYI Equity bank wamechukua commercial loan! Na nime-save hii comment yako na najua Mlibisha kuhusu uchumi, Nakumatt, KQ na saa hii mnabisha kuhusu SGR na LAPSSET, tuendelee...

 

[tuusan]

Magufuli kwenye miundombinu katuheshimisha sana Daima atabaki miyoyoni mwetu mpaka tutakapoonana tena

Moja kati ya kazi zake za Hivi karibuni, hata hajaizindua maskini

View attachment 1733955

Iyo ya wap

 

[Tz_one]

Mimi nafuatilia mkuu nataka nijue kwa tzs 1M naweza kununua coin ngapi?

Sent from my SM-A305F using JamiiForums mobile app

Coin zipi unahitaji ni PM

 

[Tony254]

So unataka kutuaminisha kwamba interest rates za CRDB zikiwa chini wateja wa Equity bank wanaofanya biashara na Dar port still watabakia Equity bank? Hivi unajua kwanini wako Equity bank na kwann baadhi ya wateja wa DRC wanatumia Mombasa Port (though DRC cargo accounts for 55% of Dar port transit)? sababu ni kwamba hamna direct flight connection to eastern DRC toka Tanzania na pia hamna banking services!

Nime-save hii comment yako na najua Mlibisha kuhusu uchumi, Nakumatt, KQ na saa hii mnabisha kuhusu SGR na LAPSSET, tuendelee...

Kwani unafikiri wateja wote wa Equity bank in DR Congo ni importers? Most of those customers ni Wakongomani wa kawaida tu. So hata mkichukua watu wachache wanaofanya import/export business hakuna shida. Equity bank huwa inafocuss na Wateja masikini. Loans zao na products zao zinafocuss na wateja masikini. Chukueni importers wenu bado Equity itasurvive.

 

[Geza Ulole]

mostly importer and exporters! u don't have a single gold refinery to even try to talk about!

Kwani unafikiri wateja wote wa Equity bank in DR Congo ni importers? Most of those customers ni Wakongomani wa kawaida tu. So hata mkichukua watu wachache wanaofanya import/export business hakuna shida. Equity bank huwa inafocuss na Wateja masikini. Loans zao na products zao zinafocuss na wateja masikini. Chukueni importers wenu bado Equity itasurvive.

 

[Reborn Ktb]

Magufuli kwenye miundombinu katuheshimisha sana Daima atabaki miyoyoni mwetu mpaka tutakapoonana tena

Moja kati ya kazi zake za Hivi karibuni, hata hajaizindua maskini

View attachment 1733955

Not impressive, mpaka Turkana ziko. Too much hype for nothing. Tanzania nzima interchanges ni tatu kenya haziesabiki. expressway zero, by passes zero. Pathetic

 

[Geza Ulole]

Not impressive, mpaka Turkana ziko. Too much hype for nothing. Tanzania nzima interchanges ni tatu kenya haziesabiki. expressway zero, by passes zero. Pathetic

wapi ya Turkana!

 

[Tony254]

mostly importer and exporters!

99.8% ya wateja wa Equity hawafanyi import/export business.

 

[Tony254]

mostly importer and exporters! u don't have a single gold refinery to even try to talk about!

Halafu ukiona benki inaanguka ujue management ya benki hio ni wezi sana. Benki ni biashara moja ambayo ni ngumu sana ianguke. Kwanza hapa Africa ambapo benki zinaruhusiwa kutoza interest rates za kinyonyaji za 20% p.a and above kwa loan zetu? Pia benki huwa zinanunua govt treasury bills and bonds ambazo zipo very profitable and risk free. Idadi ya bank zinazotengeneza loss ni chache sana.
Biashara ya benki ni biashara nzuri sana ila starting capital ni tatizo.

 

[Geza Ulole]

Halafu ukiona benki inaanguka ujue management ya benki hio ni wezi sana. Benki ni biashara moja ambayo ni ngumu sana ianguke. Kwanza hapa Africa ambapo benki zinaruhusiwa kutoza interest rates za kinyonyaji za 20% p.a and above kwa loan zetu? Pia benki huwa zinanunua govt treasury bills and bonds ambazo zipo very profitable and risk free. Idadi ya bank zinazotengeneza loss ni chache sana.
Biashara ya benki ni biashara nzuri sana ila starting capital ni tatizo.

Tutaona ila i see Equity Bank going KQ's path!

 

[Tony254]

Tutaona ila i see Equity Bank going KQ's path!

Sawa