BoT: Watu watumie huduma za mitandao, benki zikae na waliokopeshwa, riba zifikiliwe kutokana na Corona

Return Of Undertaker

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Jun 12, 2012
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SWAHILI:

CORONAVIRUS: BoT YAONGEZA KIWANGO CHA MIAMALA YA KWENYE SIMU NA UNAFUU KWA HATI FUNGANI

Kamati ya Sera ya Fedha ya Bodi ya Benki Kuu ya Tanzania imepitisha hatua mbalimbali za kisera zinazolenga kukabiliana na athari za mlipuko wa #COVID19 katika Uchumi ili kudumisha uthabiti wa Sera ya fedha.

1. Kampuni zinazotoa huduma ya fedha kwa njia ya mtandao kuongeza kiwango cha miamala kwa siku kwa mteja kutoka Tsh. Milioni 3 hadi Tsh. Milioni 5 na kiwango cha akiba kwa siku cha mteja kutoka Tsh. Milioni 5 hadi Tsh. Milioni 10.

2. Kuongeza unafuu kwenye dhamana na hati fungani za Serikali zinanazotumika na benki kama dhamana wakati wa kukopa Benki Kuu. Kiwango cha dhamana kimepunguzwa kutoka 10% hadi 5% kwa dhamana za muda mfupi na pia kutoka 40% hadi 20% kwa hati fungani.

3. Benki Kuu itatoa unafuu kwa benki na taasisi za fedha zitakazotoa unafuu katika kurejeshwaji wa mikopo kwa namna zinavyoona inafaa na kujadiliana na Wakopaji kwa kuzingatia uwazi bila upendeleo.

4. Imeshusha kiwango cha chini cha kisheria cha sehemu ya amana kinachotakiwa kuwekwa Benki Kuu ya Tanzania, kutoka asilimia 7 hadi asilimia 6. Pia, imeshusha kiwango cha riba kinachotozwa kwa benki kukopa kutoka 7% hadi 5%.

Aidha, Benki Kuu inaufahamisha Umma kuwa nchi yetu ina akiba ya kutosha ya fedha za kigeni kuwezesha kuagiza bidhaa na huduma kutoka nje ya nchi na Wananchi wanahimizwa kufanya miamala kwa kutumia Shilingi badala ya fedha za kigeni.


ENGLISH:

Tanzania central bank lowers reserve requirements due to coronavirus


NAIROBI, May 12 (Reuters) - Tanzania’s central bank lowered the statutory minimum reserves requirements for commercial banks to 6% from 7% and cut its discount rate for banks, to cushion the economy from the effects of the coronavirus crisis, it said on Tuesday.

The reduction of the reserves will come into effect on June 8 to provide additional liquidity to banks, governor Florens Luoga said in a statement.

The bank also cut its discount rate for lending to banks to 5% from 7% to “provide additional space for banks to borrow from the Bank of Tanzania at a lower cost, thus signalling lower lending rates by banks.”

The central bank will reduce haircuts on government securities to 5% from 10% for Treasury bills and to 20% from 40% for Treasury bonds to allow lenders to access funding from the central bank “with less collateral than before”, Luoga said.

Lenders will also be provided with “regulatory flexibility”, so they can change the terms of loans for borrowers who might fall into distress due to the crisis, the central bank said.

Tanzania has confirmed 509 cases of the coronavirus, with 21 deaths, according to the World Health Organization.

However, the government has been criticised for not providing regular updates on the spread of the outbreak, and the opposition has accused it of being secretive.

Tanzania launched an investigation after samples taken from a goat and a pawpaw tested positive for the new coronavirus, prompting President John Magufuli to question the efficacy of tests.
The WHO and the Africa Centres for Disease Control and Prevention disputed Magufuli’s assertion.

The International Monetary Fund expects Tanzania’s economic growth to slide to 2% this year, from 6.3% in 2019.
 
Siasa tu hamna kitu hapo.

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Nakubaliana na wewe kuwa siasa ndio zinatutawala sana kuliko kuangalia kwa undani sera ambazo zitamletea unafuu mwananchi wa kawaida. Ninependekeza kuwa BOT kama regulator wa finacial institutions wakae pamoja na makampuni ya simu na kuona jinsi gani haya makampuni na mabenki watapunguza transaction costs kwa wananchi wanapotumia mabenki kufanya miamala yao.

At the moment haya mabenki na hizo kampuni za simu wanawakamua sana wananchi wanaotumia huduma zao!! As an encouragement to people to use Internet banking the digital banking costs should be reviewed.
 
Hiyo barua imeeleweka kweli. Unajua nini kipo kwenye uchumi na mzunguko wa fedha? Mzunguko wa fedha umekata kwa kiwango kikubwa. Means Hali ni mbaya Sana. Imelegeza nyenzo zake za kuongezeka fedha kwenye mzunguko. Tuendelee kunywa mtori nyama ziko chini.

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Hii ni politics, BOT ilitakiwa mtoe maelekezo na kutaja kiwango Cha riba kwa wakopeshwaji kishuke Hadi kiasi gani.knasema wakae na waliowakopesha wajadiliane he watumishi wa bank watalipwa mishahara kutoka wapi wakishakaa na kushusha riba au ndio mwanzo wa mabank kushindwa kulipa watumishi mishahara?

BOT hamko serious kwa taarifa hii mliyoitwaa. Biashara zimekufa,biashara zimesimama, wateja wa mabank ndio wanazikwa kila kukicha ninakuja na mawazo ya ajabu kwa wananchi na hata mabank wakilisoma Hilo tangazo hawataelewa mlichoandika Wala mlichomaanisha.
 
Nimeona banki kuu imeanza kuchukua hatua hili ni jambo zuri naunga mkono.
ndugu zangu, poleni sana kwa kuendelea na mapambano dhidi ya covid 19. Tuendelee kujikinga tuvae barakoa na jiepushe na mikusanyiko.

Banki kuu imesema itashusha kiwango cha riba Kwa mabenki kukopa banki kuu, kutoka asilimia 7 hadi asilimia 5 kuanzia leo tar.12.05.2020 hii imekaa vizuri sana. Hii itasaidia bank zetu kupunguza riba kwa wateja wao .

Swali,

Je? Wateja waliokopa banki kuanzia mwaka 2015 Kwa riba ya asilimia 17+ watapunguziwa hii riba ? Mikopo yao ni kati ya miaka 5 mpaka 6, na wengi wao ni walimu/ watumishi wa umma walikopa kwa kununua viwanja, kujenga na bado nyumba zao hazijakamilika vizuri.


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Hii ni politics, BOT ilitakiwa mtoe maelekezo na kutaja kiwango Cha riba kwa wakopeshwaji kishuke Hadi kiasi gani.knasema wakae na waliowakopesha wajadiliane he watumishi wa bank watalipwa mishahara kutoka wapi wakishakaa na kushusha riba au ndio mwanzo wa mabank kushindwa kulipa watumishi mishahara?BOT hamko serious kwa taarifa hii mliyoitwaa. Biashara zimekufa,biashara zimesimama, wateja wa mabank ndio wanazikwa kila kukicha ninakuja na mawazo ya ajabu kwa wananchi na hata mabank wakilisoma Hilo tangazo hawataelewa mlichoandika Wala mlichomaanisha.
Mabenki yana riba kubwa sana na huna hoja kuwatetea. Wao wanapata mkopo bot kwa 5% wanamkopesha mtu kwa 18% au zaidi, huoni huo ni wizi?

Mabenki yamehamishia gharama zote za uendeshaji kwa wateja.
 
Una
Mabenki yana riba kubwa sana na huna hoja kuwatetea. Wao wanapata mkopo bot kwa 5% wanamkopesha mtu kwa 18% au zaidi, huoni huo ni wizi?

Mabenki yamehamishia gharama zote za uendeshaji kwa wateja.
Unachosema uko sawa kabisa nikimaanisha kuwa bot inawapatia mabank mikopo kwa riba ya 5% ,kwa mantiki hiyo ,kipindi hiki Cha corona wangesimamia mabank yapunguze riba kuwa may be 7 % kwa barua au tangazo walilolitoa badala ya kusema mabank yakafanye mazungumzo na wateja bila kutaja viwango vya riba vya kupunguza
 
BOT imejitahidi kiasi chake kwa kutumia instruments zake kwenye monetary policy lakini it is not enough!! Serikali inatakiwa kuangalia fiscal policy angle irekebishwe vipi ili kusaidia uchumi wa nchi.

Hata kama wachumi na washauri wa jiwe hawaoni vizuri basi wajaribu hata kuangalia serikali za jiirai zetu zimechukua hatua gani kwenye upande wa kodi ili kuwapa wananchi uwezo kununua vile ambavyo wale waliokopa benki wamevileta sokoni!!!

Ningependekeza kwa serikali kupunguza kiwango cha VAT na kodi nyingine ambazo zitaongeza kipato kwa wananchi. Kwa kifupi serikali iangalie upya mfumo mzima wa kodi katika kipindi hiki cha corona kuona kodi zipi zinaweza kurekebishwa with a view of stimulating demand.
 
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