Battle: Dar es Salaam vs Nairobi

Battle: Dar es Salaam vs Nairobi

IamLee said:
Are you sure? Also when did 5 star hotels become the ultimate measure of a booming city, you have a mindset of only touristic countries because that’s all you are.View attachment 3606065
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President of China said:
Nukuu yako ya Henry Ford na maelezo ya jinsi serikali zinavyotengeneza fedha mpya kidijitali kupitia matumizi ni mambo sahihi kabisa yanayofundishwa kwenye nadharia ya kisasa ya kifedha (Modern Monetary Theory). Ni ukweli usiopingika kuwa mfumo wa kibenki wa dunia ni miongoni mwa mifumo migumu na iliyojaa mambo mengi changamano kiasi kwamba ukweli wake huwa unashangaza wengi.

Lakini, marekebisho makubwa ya kisomi yanayopaswa kuwekwa hapa ili watazamaji wapate darasa lililokamilika ni kutofautisha kati ya nchi inayochapa sarafu ya kimataifa (Currency Issuer) na nchi inayotumia sarafu ya kigeni kufanya biashara za kimataifa (Currency User). Marekani au Uingereza zinaweza kuagiza benki zao kuu kutengeneza fedha mpya kidijitali (Brand new digital money) hewani bila kikomo kwasababu dunia nzima inalazimika kupokea Dola au Pauni zao.

Hata hivyo, serikali ya Tanzania haina uhuru huo linapokuja suala la kununua mabehewa ya SGR nje ya nchi; BoT haiwezi kuagiza kuandikwa kwa namba mpya za Shilingi hewani ikizilazimisha nchi za nje kuzipokea kama malipo, bali lazima itafute na itumie Dola za Marekani ambazo tayari ziko kwenye vitabu vya akiba yetu kule nje.

Ndio maana, wakati nchi zilizoendelea zinaweza kutumia mifumo hiyo changamano ya "Kutengeneza fedha hewani" ndani ya mipaka yao, nchi zetu zinahitaji kuwa na Akiba halisi (Hili neno halisi ndio linakuchanganya sana -Nadhani issue ya Nostro Account and Vostro Account sihitaji kuieleza tena hapa ) ya Fedha za Kigeni (Foreign Reserves) ili kuheshimiwa kimataifa, na pale akiba hiyo inapopungua kwa ajili ya kulipia miundombinu yetu, thamani ya Shilingi yetu inashuka mtaani kwasababu mahitaji ya Dola yanakuwa makubwa kuliko uwezo wetu wa kuzipata kwenye daftari la dunia.

Sijui ninaeleweka!!?
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Sasa mzee sjui nkueleze vp maaana nshakuekea na screenshots za kutosha na nshakuelezea how practical it is because i have been there, izo zingine unazoongea ni nadharia yako unavodhan mambo yapo lakini sasa hayapo ivo
 
Traveller D said:
Uwanja wa jamaa zetu umegoma kuota nyasi 😂😂😂👇🏾 ati affordable picth View attachment 3605989cheki manenooo 👇🏾 vinakaa vimeshawahi kutumiwa kati ya miaka 50 hadi 60 iliyopita. Rumor has it ati walifunga viti used. 😂😂👇🏾View attachment 3605990huu uwanja ni ccm Kirumba iliyofunikwa juu.
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Kuna uwezekano maaana viti vimechoka kinoma hata havijaanza kutumika, ata hayo majani toka mwanzo tuliema hapa hayo majani sio stamdard ya CAF huenda wameenda kuchukua majani ya ngombe
 
stakehigh said:
Sasa mzee sjui nkueleze vp maaana nshakuekea na screenshots za kutosha na nshakuelezea how practical it is because i have been there, izo zingine unazoongea ni nadharia yako unavodhan mambo yapo lakini sasa hayapo ivo
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Nakuomba tuende taratibu bila hasira.
Je, Foreign Reserves (Akiba ya Fedha za Kigeni) kazi yake ni nini?
 
President of China said:
Nakuomba tuende taratibu bila hasira.
Je, Foreign Reserves (Akiba ya Fedha za Kigeni) kazi yake ni nini?
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Foreign reserve ni pesa za ziada zilizopo kwenye commercial banks, kila commercial bank inakua na limit ya kiasi gan cha pesa za kigeni inanweza kuzungusha, benki ikivuka hicho kipimo basi automatically the extra inakus foreign reserve, this holds 90% of a country reserve, the other remaining includes a mix of stocks, credits, gold and other assets


The reserve in central banks can increase or reduce if there is a huge transaction going on
 
 
stakehigh said:
Foreign reserve ni pesa za ziada zilizopo kwenye commercial banks, kila commercial bank inakua na limit ya kiasi gan cha pesa za kigeni inanweza kuzungusha, benki ikivuka hicho kipimo basi automatically the extra inakus foreign reserve, this holds 90% of a country reserve, the other remaining includes a mix of stocks, credits, gold and other assets


The reserve in central banks can increase or reduce if there is a huge transaction going on
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Kaka kuna vitu fulani unachanganya sana. Hebu kaa kwa utulivu usome ninachokiandika. Nimegundua kitu kimoja kwakuwa umefanya kazi kwenye Benk kama IT ulikuwa unaona shuguli za ki operations. Kwa sababu umewahi kufanya kazi katika sekta ya kibenki upande wa uendeshaji (Operations/IT), unaona mchakato wa kibenki kupitia "screen ya kompyuta pekee" (mabadiliko ya daftari, kutuma ujumbe wa SWIFT, Straight-Through Processing).
But kuna details nyingi sana unashindwa kuzielewa.

Ngoja kwanza nianze kwa kueleza makosa yaliyomo kwenye comment yako hii na kisha nieleze ukweli wa mambo.

Kosa kubwa na la hatari la kiufundi (Catastrophic Technical Error) ambalo ambalo umelionesha na linafunga mjadala mzima ni:-

Net Open Position (NOP) Limits
Benki Kuu (BoT) huweka ukomo wa kisheria wa kiasi cha fedha za kigeni ambacho benki binafsi za biashara (kama CRDB au NMB) zinaweza kuwa nacho mwisho wa siku. Lengo ni kuzuia mabenki kufanya uvumi wa bei (Currency Speculation). Benki ikivuka ukomo huo, haitoi fedha hizo bure kwenda serikalini, bali inalazimika kuziuza kwenye Soko la Mabenki (Interbank Foreign Exchange Market) ili kupata Shilingi.

Uhalisia wa Umiliki
Fedha zilizopo CRDB au NMB ni amana za wateja binafsi na makampuni. Kisheria, Benki Kuu haiwezi kuzichukua na kuzihesabu kama "Akiba ya Taifa" kwasababu hiyo itakuwa ni kutaifisha mali za watu binafsi (Expropriation).

Akiba Halisi ya Taifa (Official Foreign Reserves)
Ukweli ni kwamba Akiba ya Fedha za Kigeni ya Taifa (Official Foreign Reserves) haitokani na ziada hizo za mabenki binafsi, bali inamilikiwa na kusimamiwa na Benki Kuu (BoT) pekee kwenye akaunti zake za kisheria zilizopo nje ya nchi (kama Federal Reserve ya Marekani au Bank of England) kupitia vyanzo rasmi kama mauzo ya dhahabu na mikopo ya serikali. Hizi namba za Dola za akiba ya BoT kule nje ndio rasilimali halisi (Settlement Asset) inayolinda uaminifu na kuipa ukwasi ile mifumo ya ujumbe wa SWIFT tunapoagiza miundombinu; na ndio maana akiba hiyo ya BoT inapopungua, soko la ndani linakosa Dola na thamani ya Shilingi yetu mtaani inashuka kwasababu huwezi kusafisha madeni ya dunia kwa kutumia akiba ya mabenki ya biashara ya ndani.

Kunajambo unatakiwa ukubali kujifunza na usome kwa utaratibu sana.
 
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