Battle: Dar es Salaam vs Nairobi

Battle: Dar es Salaam vs Nairobi

AMARII said:
Mchina ameshachukua Airport huko makao makuu ya slums Duniani.

Tusubirie maandamano.... Tetesi ni gharama zitaongezeka kwa wasafiri watakao tumia huo uwanja ili kulipa mkopo wa Mchina. Kitu ambacho wata default kama SGR yao ya teknolojia ya kale.
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Wapi huko?
 
President of China said:
Ndugu yangu stakehigh, nimeisoma comment yako kwa umakini mkubwa sana, na ninaheshimu sana uzoefu wako wa kikazi ulioutaja katika masuala ya Exchequer na mifumo ya kibenki. Maelezo yako kuhusu ujumbe wa SWIFT na jinsi mabenki yavyooanisha vitabu vyao vya biashara (Balancing Trading Books) ni sahihi kabisa kwa upande wa Uendeshaji wa Kibenki (Banking Operations and Messaging Protocols).

Hata hivyo, naomba nikuonyeshe ni wapi nadharia ya Uchumi Mkuu (Macroeconomics) na Uendeshaji wa Kibenki unavyokutana, kwa sababu hapo ndipo kiini cha post yangu kilipo.

1. Kuhusu SWIFT na Uhalisia wa Dola (The Settlement Reality)
Ni kweli kabisa kama ulivyosema, mfumo wa dunia unategemea imani (Faith/Fiat System) na SWIFT ni ujumbe wa kielektroniki wenye saini ya kiusalama (Cryptographic Signature). Lakini ujumbe huo wa SWIFT ukisema 'Tanzania inalipa Dola Milioni 100 kwa ajili ya mabehewa ya SGR', malipo hayo hayaishii kwenye ujumbe tu. Kuna hatua inaitwa Settlement - Mawasilisho Halisi.

Benki Kuu ya nchi inayopokea fedha hizo haiwezi kukubali ule ujumbe kama karatasi tupu; lazima kiasi hicho cha Dola kihame kutoka kwenye Akaunti ya Uagizaji ya Tanzania (Nostro Account) iliyopo Benki Kuu ya Marekani (Federal Reserve) au mabenki makuu ya kimataifa, kwenda kwenye akaunti ya nchi inayouza. Kama Tanzania haina hizo Dola halisi (Foreign Reserves) kwenye akaunti zake za nje, ule ujumbe wa SWIFT utakataliwa kwa sababu hauna 'Settlement Liquidity'. Ndio maana hapo ndipo 'Supply' ya Dola inapohusika moja kwa moja.

2. Maana ya Free Floating na Supply and Demand
Umesema kuwa hakuna kitu kama Supply na Demand kwenye sarafu kwa sababu zote ni Free Floating. Hapa kuna mkanganyiko mdogo wa kimsingi wa kiuchumi. Tafsiri halisi ya sarafu kuwa 'Free Floating' ni kwamba thamani yake haipangwi na serikali, bali inaamuliwa na nguvu za soko ambazo ni Supply na Demand.

Kama nchi yetu inaagiza vitu vingi nje (Miundombinu ya SGR, Gridi, Mafuta), mahitaji yetu ya Dola yanakuwa makubwa kuliko Dola zinazoingia. Hata kama mabenki ya biashara yanabadilisha viwango ili 'kubalance vitabu vyao' (kama ulivyoeleza vizuri), mabenki hayo yanalazimika kupandisha bei ya Dola kwa sababu yanajua Dola zilizopo sokoni ni chache kuliko idadi ya wateja (serikali na sekta binafsi) wanaozihitaji kwa ajili ya kulipia bidhaa nje ya nchi. Hiyo ndiyo 'Demand and Supply' yenyewe inayozalisha viwango hivyo vya Exchange Rate.

3. Balancing the Books na Exchange Rate
Mfano ulioutoa kuhusu mabenki ya Tanzania na Kenya kuwianisha vitabu vyao vya biashara ni mfano mzuri sana wa ngazi ya chini (Micro-level). Ulisema:

Ukweli huu unaoueleza ndio unaothibitisha hoja yangu! Kitendo cha Tanzania kuuza zaidi Kenya maana yake ni kwamba Tanzania inafanya Exports kubwa. Na kitendo cha benki kulazimika kubadilisha viwango ili kusawazisha akaunti hizo, ndio soko linavyojirekebisha kulingana na kiasi cha fedha kilichopo (Supply).

Mwisho, Post yangu ya awali haikuwa inapingana na uzoefu wako wa jinsi mifumo ya SWIFT inavyorusha ujumbe au jinsi wahasibu wa kibenki wanavyofunga mahesabu jioni. Post yangu iliangalia picha kubwa (Macro picture):

Je, kwanini soko la jumla la fedha (Interbank Market) linaelekea upande mmoja kwa sasa yaani Tanzania kuhistaji sana dollar? Linaelekea huko kwa sababu miradi mikubwa ya maendeleo inavuta Dola nyingi kutoka kwenye hifadhi yetu, wakati Kenya imepunguza presha hiyo kwa kuingiza mabilioni ya Dola za mikopo kutoka IMF na kupandisha riba ili kuzuia usafirishaji wa fedha nje.

Maelezo yako ya kifedha ni ya ndani ya mfumo (Operational), lakini maelezo yangu ni ya kiuchumi wa soko (Economic Forces). Mifumo yote miwili inategemana. Nafurahia sana mjadala huu na wewe kwani unawasaidia watanzania wengi wanaoandamana nasi kuelewa jinsi nchi yetu inavyoendesha mambo yake ya fedha ndani na nje.

UHASIBU VS UCHUMI
MUNGU IBARIKI TANZANIA NA WATU WAKE - KARIBU​
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Hapana boss, uhalisia haupo ivo! chukulia mfano huu apa, look at all countries with deficit lets use kenya as example deficit ni $12B, but have you ever asked yourself where they got that extra $12B to pay for the services?

1781175550898.png


now go back to that example i gave you about, tanzania akitaka kununua sgr wagons

1781175864159.png


i understand it feels wierd because its not whats in the public but the whole economy doesnt work because there are balance sheets but its simply a loop of non ending new values, you should understand that 90% of the suply is surely only from numbers typed,
 
IamLee said:
Is this Same account that always feeds your delusions and mentions everything wrong with kenya and everything going right in Tanzania? You will think it’s owned by Tanzania propagandist government.
Btw I have never seen a Kenyan based media platform so obsessed with Kenya going the right way, you would be cancelled in Kenya for praising Kenya like this 😅


View: https://x.com/uchumi360/status/2064964591117836558?s=46

View: https://x.com/uchumi360/status/2063594878467015039?s=46

View: https://x.com/uchumi360/status/2063872458512310463?s=46

View: https://x.com/uchumi360/status/2063875756812312745?s=46

View: https://x.com/uchumi360/status/2061311781218504960?s=46
Click to expand...

We understand the truth hurts and we understand what your going through
 
IamLee said:
Is this Same account that always feeds your delusions and mentions everything wrong with kenya and everything going right in Tanzania? You will think it’s owned by Tanzania propagandist government.
Btw I have never seen a Kenyan based media platform so obsessed with Kenya going the right way, you would be cancelled in Kenya for praising Kenya like this 😅


View: https://x.com/uchumi360/status/2064964591117836558?s=46

View: https://x.com/uchumi360/status/2063594878467015039?s=46

View: https://x.com/uchumi360/status/2063872458512310463?s=46

View: https://x.com/uchumi360/status/2063875756812312745?s=46

View: https://x.com/uchumi360/status/2061311781218504960?s=46
Click to expand...


View: https://x.com/_James041/status/2064920160419332575?s=20
 
IamLee said:
Is this Same account that always feeds your delusions and mentions everything wrong with kenya and everything going right in Tanzania? You will think it’s owned by Tanzania propagandist government.
Btw I have never seen a Kenyan based media platform so obsessed with Kenya going the right way, you would be cancelled in Kenya for praising Kenya like this 😅


View: https://x.com/uchumi360/status/2064964591117836558?s=46

View: https://x.com/uchumi360/status/2063594878467015039?s=46

View: https://x.com/uchumi360/status/2063872458512310463?s=46

View: https://x.com/uchumi360/status/2063875756812312745?s=46

View: https://x.com/uchumi360/status/2061311781218504960?s=46
Click to expand...

dont cry

View: https://x.com/KennedyMmari/status/2065030614487609672?s=20
 
IamLee said:
Is this Same account that always feeds your delusions and mentions everything wrong with kenya and everything going right in Tanzania? You will think it’s owned by Tanzania propagandist government.
Btw I have never seen a Kenyan based media platform so obsessed with Kenya going the right way, you would be cancelled in Kenya for praising Kenya like this 😅


View: https://x.com/uchumi360/status/2064964591117836558?s=46

View: https://x.com/uchumi360/status/2063594878467015039?s=46

View: https://x.com/uchumi360/status/2063872458512310463?s=46

View: https://x.com/uchumi360/status/2063875756812312745?s=46

View: https://x.com/uchumi360/status/2061311781218504960?s=46
Click to expand...

Ouch!… you have cornered him !…🤣🤣
 
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