Biashara ya kubadili Shilling kwa Dola

Biashara ya kubadili Shilling kwa Dola

Hii kitu nilishajiuliza.
Nikagundua kuwa kwa Bongo humu humu ndani huwezi kupata faida.
Nikaona eti labda kama unaenda kuuza dollar (USD) nchi za nje (mfano South Africa) unapata Rands (ZAR) halafu unazileta Tz kuziuza.
Niligundua hivyo baada ya kuona nikibadili USD zangu hapa Tz na kuwa ktk Rands napata Rands chache ukilonganisha na nikizibadili USD kiasi kilikile huko bondeni (South Africa).

Mfano:
Exchange rate kwa Tz (TZS) ikiwa:
USD - BUY 1,600: SELL 1,625
RAND - BUY 1,85: SELL 200

Kwa South Africa (ZAR) ikiwa:
USD - BUY 9: SELL 11

Fastjet (go & return): Dar - Jo'burg: Takribani 500,000 Tshs
Reference: (https://www.jamiiforums.com/habari-...-mpya-ya-fastjet-from-tz-to-south-africa.html)

Kwa hiyo ukiwa na 48,750,000 Tsh unaweza kununua 30,000 USD (kwa bei ya 1,625 Tshs kwa kila 1 USD).
Unaenda kuziuza hizo 30,000 USD huko South Africa kwa Rands 270,000 (kwa bei ya 9 Rands kwa kila 1 USD)
Unarudi Tz ukiwa na hizo Rands 270,000 halafu unaziuza kwa 185 Tshs kila Rand, unapata 49,950,000 Tshs.

Ukitoa mtaji na gharama ya usafiri kwenda na kurudi unabaki na faida.
Faida ni: 49,950,000 - (48,750,000 + 500,000) = 700,000 kwa siku = 21,000,000 kwa mwezi.
Hata ukisafiri kwa nusu ya siku zote kwa mwezi, tuseme upate faida ya 10,000,000 Tshs kwa mwezi.

Lakini kumbuka:
(1)Kuna sheria na taratibu za kimataifa za kusafirisha pesa. Hapa nd'o palinichanganya kidogo, lkn ninaamini HAPA ND'O UFUNGUO WA HIYO BIASHARA ULIPOKAA (This may be the place where the right key for this business is hidden).
Reference: IATA - International Air Transport Association
(IATA - South Africa Customs, Currency & Airport Tax regulations details)
(2)Kuna madhara ya mionzi kwa wale wanasafiri kwa ndege mara kwa mara (Ionising radiation).
Reference: (ARPANSA - Cosmic radiation exposure when flying)

Kaka huwezi pata faida kwenye nchi iliyokuzidi uchumi kama South Africa. Faida utapata tu kama utafanya na nchi ambazo thamani ya hela ya nchi husika ipochini kuliko nchi unayoishi. Mfano rate ya leo ya Dola Buy 1615 Sell 1625 wakati Rand imekuwa buy 140 Sell 170. Kwa hiyo Tsh 48,750,00/- ungepata Dola 30,000/- na ukienda Pretoria/Joberg kuuza utapata Rand 330,000 ( hapa umeuza kwa rate ya 11 ya leo buy imekuwa 11 sale 12.5) Sasa njoo na Rand zako 330,000/- Tanzania then uziuze kwa 140 ambayo sie watu wa bureau tumenunua leo 330,000/-x140 utapata 46,200,000/- ambapo utakuwa umepata gross loss ya 2,550,000 bila kuongeza ticket ya ndege na gharama za safari. Ila story ni tofauti ukifanya biashara say Zambia na Uganda ambapo hela yao ipo chini kuliko Tanzania.
 
Mkipata muda ipitieni hii site.
Masharti: Fungua account na hawa jamaa, weka deposit then anza buying and selling of currencies

 
Hilo linaweza kuwa wazo zuri.
Mnakuwa vichwa viwili - kimoja kinakuwa nchi za nje (mfano South Africa), kingine kinabaki hapa Tz; kazi yenu inakuwa kwenda bank unavuta pesa au unatuma pesa na kwenda ktk Bureau de Change (au bank humo humo) unauza.
Baada ya siku 90 jamaa aliyepo Bondeni anarudi Bongo na aliyekuwa Bongo anaenda Bondeni - mchezo unaendelea.
Katika 50,000,000 mnaingiza hata 2,000,000 kwa siku!

Labda, just thinking aloud!

Bank charges za account ya dola ni kubwa sana, the best way ukiweza ni kutengeneza network salama ya kusafiri. Ni Ngumu kupata faida ya 2m kwa investment ya 50m this from my experience japo inawezekana.
 
bank charges za account ya dola ni kubwa lakini ni lazima kwenda kwenye hizi nchi huwezi kufanya transfer between hizi nchi yaaani account ya dola na madafu tanzania na account ya lets say local currency uganda na usd uganda ...so unacheza na hizo account nne online , kingine pia nataka kujua mnapochagua hizi nchi za kufanya cross border kuna mahali hapo juu umegusia uchumi mdogo wa hizo nchi , so unaangalia nchi zenye exchange ndogo zaidi ya shillingi kama uganda kuliko kwenda kenya
 
[TABLE="class: excel"]
[TR]
[TD="colspan: 4, align: center"]Applicable Exchange Rates for 23rd January , 2014[/TD]
[/TR]
[TR]
[TH]6[/TH]
[TD][/TD]
[TD="align: center"][/TD]
[TD="align: center"][/TD]
[TD="align: center"][/TD]
[/TR]
[TR]
[TH]7[/TH]
[TD]CURRENCY[/TD]
[TD="align: center"]CODE[/TD]
[TD="align: center"]BUYING[/TD]
[TD="align: center"]SELLING[/TD]
[/TR]
[TR]
[TH]8[/TH]
[TD][/TD]
[TD="align: center"][/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[TR]
[TH]9[/TH]
[TD]US$ 50-100 Units[/TD]
[TD="align: center"]USD[/TD]
[TD="align: center"]1,565.0000[/TD]
[TD="align: center"]1,675.0000[/TD]
[/TR]
[TR]
[TH]10[/TH]
[TD]US$ 1-20 Units[/TD]
[TD="align: center"]USD[/TD]
[TD="align: center"]1,500.0000[/TD]
[TD="align: center"]1,675.0000[/TD]
[/TR]
[TR]
[TH]11[/TH]
[TD]EURO100-500 Units[/TD]
[TD="align: center"]EUR[/TD]
[TD="align: center"]2,143.0000[/TD]
[TD="align: center"]2,243.0000[/TD]
[/TR]
[TR]
[TH]12[/TH]
[TD]EURO 5-50 Units[/TD]
[TD="align: center"]EUR[/TD]
[TD="align: center"]2,068.0000[/TD]
[TD="align: center"]2,243.0000[/TD]
[/TR]
[TR]
[TH]13[/TH]
[TD]POUND STG £ 20-50 Units[/TD]
[TD="align: center"]GBP[/TD]
[TD="align: center"]2,629.0000[/TD]
[TD="align: center"]2,729.0000[/TD]
[/TR]
[TR]
[TH]14[/TH]
[TD]£ 1-10Units[/TD]
[TD="align: center"]GBP[/TD]
[TD="align: center"]2,554.0000[/TD]
[TD="align: center"]2,729.0000[/TD]
[/TR]
[TR]
[TH]15[/TH]
[TD][/TD]
[TD="align: center"][/TD]
[TD="align: right"][/TD]
[TD="align: center"][/TD]
[/TR]
[/TABLE]


s of 22 January 2014

[TABLE="class: tab2"]
[TR]
[TD="class: align_middle"]
Currency
[/TD]
[TD="class: align_middle"]Code[/TD]
[TD="colspan: 2"]
Selling
[/TD]
[TD="class: tab2_highlight, colspan: 2"]
Buying
[/TD]
[TD][/TD]
[TD="colspan: 2"]
Cash
[/TD]
[/TR]
[TR]
[TD]
TT
[/TD]
[TD]
Cheques
[/TD]
[TD="class: tab2_highlight"]
TT
[/TD]
[TD="class: tab2_highlight"]
Cheques
[/TD]
[TD][/TD]
[TD]
Buying
[/TD]
[TD]
Selling
[/TD]
[/TR]
[TR]
[TD]US Dollars (1-20 Units)[/TD]
[TD]USD2[/TD]
[TD]
1,657.67000​
[/TD]
[TD]
1,657.67000​
[/TD]
[TD="class: tab2_highlight"]
1,577.67000​
[/TD]
[TD="class: tab2_highlight"]
1,507.67000​
[/TD]
[TD][/TD]
[TD]
1,507.67000​
[/TD]
[TD]
1,642.67000​
[/TD]
[/TR]
[TR]
[TD]US Dollar (50-100 Units)[/TD]
[TD]USD[/TD]
[TD]
1,657.67000​
[/TD]
[TD]
1,657.67000​
[/TD]
[TD="class: tab2_highlight"]
1,577.67000​
[/TD]
[TD="class: tab2_highlight"]
1,507.67000​
[/TD]
[TD][/TD]
[TD]
1,577.67000​
[/TD]
[TD]
1,642.67000​
[/TD]
[/TR]
[TR]
[TD]Euro[/TD]
[TD]EUR[/TD]
[TD]
2,256.72275​
[/TD]
[TD]
2,256.72275​
[/TD]
[TD="class: tab2_highlight"]
2,121.75245​
[/TD]
[TD="class: tab2_highlight"]
2,099.68389​
[/TD]
[TD][/TD]
[TD]
2,099.68389​
[/TD]
[TD]
2,256.72275​
[/TD]
[/TR]
[TR]
[TD]Pound STG[/TD]
[TD]GBP[/TD]
[TD]
2,724.40492​
[/TD]
[TD]
2,724.40492​
[/TD]
[TD="class: tab2_highlight"]
2,579.48158​
[/TD]
[TD="class: tab2_highlight"]
2,547.63613​
[/TD]
[TD][/TD]
[TD]
2,547.63613​
[/TD]
[TD]
2,724.40492​
[/TD]
[/TR]
[TR]
[TD]Australian Dollars[/TD]
[TD]AUD[/TD]
[TD]
1,443.30810​
[/TD]
[TD]
1,443.30810​
[/TD]
[TD="class: tab2_highlight"]
1,360.62228​
[/TD]
[TD="class: tab2_highlight"]
1,342.57915​
[/TD]
[TD][/TD]
[TD]
1,342.57915​
[/TD]
[TD]
1,443.30810​
[/TD]
[/TR]
[TR]
[TD]Canadian Dollars[/TD]
[TD]CAD[/TD]
[TD]
1,489.88766​
[/TD]
[TD]
1,489.88766​
[/TD]
[TD="class: tab2_highlight"]
1,415.52555​
[/TD]
[TD="class: tab2_highlight"]
1,388.77870​
[/TD]
[TD][/TD]
[TD]
1,388.77870​
[/TD]
[TD]
1,489.88766​
[/TD]
[/TR]
[TR]
[TD]Danish Kroner[/TD]
[TD]DKK[/TD]
[TD]
299.69879​
[/TD]
[TD]
299.69879​
[/TD]
[TD="class: tab2_highlight"]
275.98082​
[/TD]
[TD="class: tab2_highlight"]
266.72459​
[/TD]
[TD][/TD]
[TD]
266.72459​
[/TD]
[TD]
299.69879​
[/TD]
[/TR]
[TR]
[TD]Norwegian Kroner[/TD]
[TD]NOK[/TD]
[TD]
265.98020​
[/TD]
[TD]
265.98020​
[/TD]
[TD="class: tab2_highlight"]
246.03886​
[/TD]
[TD="class: tab2_highlight"]
237.45902​
[/TD]
[TD][/TD]
[TD]
237.45902​
[/TD]
[TD]
265.98020​
[/TD]
[/TR]
[TR]
[TD]Swedish Kroner[/TD]
[TD]SEK[/TD]
[TD]
252.71552​
[/TD]
[TD]
252.71552​
[/TD]
[TD="class: tab2_highlight"]
233.16062​
[/TD]
[TD="class: tab2_highlight"]
226.08250​
[/TD]
[TD][/TD]
[TD]
226.08250​
[/TD]
[TD]
252.7155




[/TD]
[/TR]
[/TABLE]
Hizo hapo juu ni exchange rate za CRDB NA NBC kwa mfano unanua US Dollar CRDB watakuuzia kwa 1675 then ukienda kuuza NBC watanunua hizo Dollar kwa 1507,hapo tayarai una loss ya 168 huo ni mfano mdogo tu!!Nitarudi tena kuna kazi namalizia kwa ofisi ili tuje kupeana hii elimu ya kuuza na kununua fedha za kigeni.

Kwanini ukanunue dola CRDB ili ukauze NBC? labda kama umekurupuka. Na hakuna mtu anayeweza kufanya hvyo unless uwe na network ya kutosha na watu wa bank kama mimi leo nimenunua CRDB kwa 1615 unaenda kuunza Max bureau de change kwa 1625 inamaana CRDB wamepata faida kwangu kwa bei hiyo waloniuzia kwa 1615 kwani wao walinunua kwa 1507 (Hizi ndo password ambazo ni ngumu sana mtu akupe lakini ndo michezo inayofanyika). Kingine biashara ya bank kwenye forex ni tofauti sana na bureau. Jaribu kukusanya mawazo vizuri ili unapotoa ushauri uwe na manufaa kwetu sote i mean kwa wale wenye uzoefu na wale beginers.
 
I think bureau de change ndo zina piga hela nafikiri lazima uwe na Kama 50m deposit kupata leseni sijui watu wengine wanaweza tupa info zaidi hii nafikiri ndio inaweza ku kulipa

Just 40m na sio deposit ila unapopeleka form BOT ionekane kwenye bank statement
 
Hizo password kweli hawezi kukupa kaka unless awe amekupenda sana,kwa watu wanofanya hivyo i mean wenye network kwenye nchi zingine ni ngumu kuepuka kutakatisha fedha halamu yaani money laundering. Kuna rafu flani inabidi ufanye tu ili ufanikiwe.

Fafanua zaidi.
 
Yeah nacrossboarder za Uganda, Zambia na DRC kwani huko thamani ya hela yao ipo chini kuliko tanzania. Tatizo kufungua account nchi hizo hasa zambia hawaruhusu wasio raia unless una work permit. So natumia account za jamaa zangu raia wa huko kutuma uganda shillings na kwacha then wananinunulia dola, kunifikia hizo dola ni ishu nyingine mkuu.

Kaka nyoosha maelezo yako. Pesa ya DRC iko juu kulinganisha na tsh
 
Biashara ya kubadili fedha ni nzuri kwa baadhi ya watu hasa wanaoishi mipakani. Mfano: kwa mtu anaeishi(Tunduma) mpakani mwa Tanzania na Zambia, Tukadirie una mtaji wa Tsh. 50mil. Unanunua Zambian kwacha 175438(1kwacha =285Tsh.) ukienda nazo Lusaka kwenye Bureau de Change unanunua U$D100 kwa 555kwacha ambapo kwa 175438 unapata U$D3161.045 kisha ukizipeleka Dar es salaam kuziuza kwa Tsh.51208929/=. Ukitoa mtaji unabaki na 1200000 toa usafiri,malazi na chakula 250000/= unabaki na net profit ya Tsh.950000/=.
 
ame2012 , labda tueleze kwa uzoefu unaifanya kila siku na wewe unafanya cross border au , hii ya cross border nimeipenda hivi hatuwezi kutumia account kufanya huu mchezo lazima kusafiri lets say , mfano kama mtu yupo south na mwingine yupo tanzania na kuna account si mnaweza kufanya

Hata mm nilifikiria kama ww.....ndio maana nkasema hii biashara inakua inanoga zaidi pale mtu unapo kua na biashara in more than one country, i.e USA, UK, TZ, DUBAI, SOUTH AFRICA na KENYA. Hence kufanya hzo transaction inakua rahisi under ur supervision.
Biashara siku zote ni akili tu, tupa mbali imani potofu i.e uchawi, chuma ulete etc...

If you can see it in your mind, you will have it in your hands.
 
Kaka nyoosha maelezo yako. Pesa ya DRC iko juu kulinganisha na tsh

Fair enough mkuu [TABLE="class: ucc_in"]
[TR]
[TD="class: rate, align: right"]1.00 CDF[/TD]
[TD="class: rate_equal, align: center"]=[/TD]
[TD="class: rate, align: left"]1.77558 TZS lakini DRC currency wanayotumia ni Dola kwa 90%. Kule ukipeleka bidhaa utazibadili kuwa dola, na wacongo wengi huenda boarder kununua kwa kwacha ya zambia kwa dola walizonazo na hapo ndipo faida inapopatikana.
[/TD]
[/TR]
[/TABLE]
 
Kwanini ukanunue dola CRDB ili ukauze NBC? labda kama umekurupuka. Na hakuna mtu anayeweza kufanya hvyo unless uwe na network ya kutosha na watu wa bank kama mimi leo nimenunua CRDB kwa 1615 unaenda kuunza Max bureau de change kwa 1625 inamaana CRDB wamepata faida kwangu kwa bei hiyo waloniuzia kwa 1615 kwani wao walinunua kwa 1507 (Hizi ndo password ambazo ni ngumu sana mtu akupe lakini ndo michezo inayofanyika). Kingine biashara ya bank kwenye forex ni tofauti sana na bureau. Jaribu kukusanya mawazo vizuri ili unapotoa ushauri uwe na manufaa kwetu sote i mean kwa wale wenye uzoefu na wale beginers.


Mkuu huo ni mfano tu uwezi kwenda kununnua dolla crdb then ukauze nbc,utapata loss ya ajabu sana,lakini kama unataka kufany hii biashara,lazima uwe na informer(insider) kutoka bank kuu,ambaye atakuwa anakwambia hali jinsi inavyo enda,bila hivyo itakuwa ngumu sana,kwa hapa Tanzania wanao fanya hiyo bishara ni wachache sana ambao wanakuwa na baadhi ya information,kwamba mwezi ujao mambo yanaweza kuwa hivi,na hatimaye ukanunua dolla zako za kutosha au paundi ukaziweka ndani,muda ukifika(ki international finance tunasema "is in the money" kwamba kunakuwa na favourable price in the market ambapo unaweza kupata faida,lakini ikienda ndivyo sivyo tunasema "out of the money" kwamba unapata loss.
 
Hata mm nilifikiria kama ww.....ndio maana nkasema hii biashara inakua inanoga zaidi pale mtu unapo kua na biashara in more than one country, i.e USA, UK, TZ, DUBAI, SOUTH AFRICA na KENYA. Hence kufanya hzo transaction inakua rahisi under ur supervision.
Biashara siku zote ni akili tu, tupa mbali imani potofu i.e uchawi, chuma ulete etc...

If you can see it in your mind, you will have it in your hands.

Na hapo ndipo utakapo jua kuwa within the country(i mean one country) hii biashara inakuwa ngumu sana sana.
 
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