Bodi ya mikopo (HELSB) chaka la Ukandamizaji na Kuongeza Umaskini

muzi

JF-Expert Member
Jun 17, 2016
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Tunakubali dawa ya deni ni kulipa, lakini kuweka misingi na masharti ya kuongeza deni kila mwaka sio haki hata kidogo. Tena kuongeza sheria ambayo hamkukubaliana na mlengwa awali kwa kutunga sheria za kipuuzi inathihirisha bado tupo kwenye ukoloni mamboleo.

Inashangaza mkopo wa elimu inavyobadilika na kuwa sehemu ya kuwanyonya watoto wa msikini. Ukiangalia statement ya marejesho unatakiwa kulipa administration fee, penalty na value retention fee.

Inashangaza sana hayo makato ukifikiria mtu kamaliza chuo hajapata kazi miaka 3 hadi 4 lakini mkopo unaendelea kuliongezeka kila kukicha.

Leo nitazungumzia kimojawapo. Ukiangalia hiyo wanaita: Value Rention Fee (VRF) is a statutory charge to maintain the value of money throughout your repayment period. It is charged at 6% of the outstanding balance per annum. However it accrue daily at the rate of 0.0001643836 (that is 6% divided by 365) of the outstanding principal loan balance per day. So it continues to accrues until you finish paying the outstanding principal loan.

Hii inamaana kila mwaka riba ya asilimia sita inatozwa kwa kiasi cha mkopo kilichobaki mpaka pale utakapomaliza. So itaendelea kuongezeka na kulimbikizwa mpaka umalize kulipa.

Kwa hali hii mkopo huu hautalipwa na watu wengi watafanya juu na chini kukwepa kutolipa. Ni mkopo gani unapungua kidogo na kuongezeka tena?

Ni aibu mkopo wa serikali unageuka kuwa chombo cha kumdidimiza na kukandamiza watoto wa maskini tena hana ajira rasmi.
 

bg_dg_dy

JF-Expert Member
Feb 27, 2009
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NI simple kana kuwa hujaingia mkataba nao, walete evidence ya kuingiziwa hizo pesa na sehemu uliposaini
 

WAIKORU

JF-Expert Member
Dec 9, 2015
1,361
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Kwa kweli ccm imetunyanyasa mno,

Ni vile tu tuna katiba mbovu inawabeba!...

Ngoja tuone uchaguzi huu...naamini Lissu hatatuangusha, hatamwachia Mungu
 

ChoiceVariable

JF-Expert Member
May 23, 2017
5,426
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Unamlaumu nani,bodi anahusikaje hapa,wao wameletewa sheria waitekeleze na ndio wanachofanya kama una malalamiko kawaulize waliotunga sheria hizo sheria,Bodi wanastahili wapongezwe kwa kusimamia sheria ipasavyo na si kuwalaumu lawama ambazo haziwahusu.
Unapochagua watu wasiojali maisha ya wengine unategemea nini labda
 

Akilinjema

JF-Expert Member
Aug 9, 2016
6,187
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Unamlaumu nani,bodi anahusikaje hapa,wao wameletewa sheria waitekeleze na ndio wanachofanya kama una malalamiko kawaulize waliotunga sheria hizo sheria,Bodi wanastahili wapongezwe kwa kusimamia sheria ipasavyo na si kuwalaumu lawama ambazo haziwahusu.
Unapochagua watu wasiojali maisha ya wengine unategemea nini labda


Wala hawawezi kukwepa hii lawama sababu mara nyingi wao wanakuwa wameshiriki katika kupendekeza kiwango cha asilimia ya makato!

Usishangae kusikia kuwa huenda wao ndiyo walioomba riba kuongezwa ndipo wakakubaliwa na kutungiwa sheria!
 

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