Nilitaka niielezee vizuri sana issue ya remittances zinazopelekwa kutoka Tanzania kwenda Kenya.
Maelezo yangu haya yatakupa picha kwanini kwasasa NMB na CRDB zimezipita Kenya in Terms of Capitalization.
Let say. A Kanyan Works in Tanzania Earn Tsh 10,000,000. Hizo pesa zitakuwa kwenye Local Account ya Tanzania.
Hiyo pesa anaweza kuitumia kwa Kununua vitu Tanzania (Expenditure au Assets) kwahiy pesa ya Tanzania inakuwa kwenye mzunguko.
Lakini akiamua sasa kuituma kwa ndugu zake kenya (Ndio tunakuja kwenye cross border Transaction and settlment)
Kazi ya pesa ni Ku buy Goods and Services but remittance neither goods nor service.
So kabla haijatoka kwenye Tsh kwenda Kenya Ksh must be spent.
Hapo ndipo inakuja CRDB na bank zingine kutoa service hii. Soma hapa
CRDB, Do not own Ksh inakuwa registered DSE ili watu waweze kununua share. Ili wakenya waweze kupata remittance kuwasaidia ndugu zao huko they must introduce Ksh account CRDB na hizo pesa wanaziingiza huko kwa ku buy share DSE. Zaidi ya wakenya 250,000 wanaoishi Tanzania watalazimika kununua share ili kutunisha mfuko wa settlement pesa ziwafikie ndugu zao.
So a person (In Bankend) who want to send money in Kenya must buy Crossborder-remittance na pesa za settlement zitakuwa tayari zimepatikana kupitia DSE shares.
So wakati ananunua Crossborder-remittance pesa inakuwa spent in Tanzania na TRA wanakata chao.
So ikisafirishwa kutoka Tanzania kwenda kenya itakua ni takataka tu kwetu maana tayari tumeshaitumia.
So who benefit from remittance sent to Kenya, je Ni Tanzania or Kenya?
Kwa kenya mtu mmoja mmoja atafaidika kwa kupata revenue, but huku Tanzania tunafaidika kwa investment and expenditure ya whole remittance