muzi
JF-Expert Member
- Jun 17, 2016
- 1,038
- 1,448
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.
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.