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BOT yakimbia majukumu yake 'kihuni' sakata la depositors wa FBME

Discussion in 'Uchaguzi Tanzania' started by Nichumu Nibebike, May 9, 2017.

  1. Nichumu Nibebike

    Nichumu Nibebike JF-Expert Member

    #1
    May 9, 2017
    Joined: Aug 28, 2016
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    Kuonesha kuwa regulator BOT hayajui majukumu yake au anayakimbia kihuni kama ambavyo yameainishwa kwenye BAFIA act 2006, busara za kibenki (prudential guidelines) na yale ya kikao cha pili cha Basel (Basel II committee), BOT jana bila hata aibu ilitoa tangazo, eti wale walioweka pesa zao FBME wawe na uvumilivu mpaka hapo mfilisi wa benki atakapopatikana na kuifilisi benki ndio wapewe chao!
    Nimepigwa sana na mshangao kama kweli kule BOT hakuna wenye vyeti feki...
    Kazi ya BOT ni kumlinda depositor. Tunaweka pesa zetu bank 'payable on demand or determinable future time' sasa hili suala la kumgoja mfilisi linatokea wapi?
    Benki kuu baada ya kuifunga FBME, ilitakiwa iondoke na database ya wateja woote wenye deposit katika bank hiyo na either kuwalipa pesa zao moja kwa moja kutoka kwenye mfuko wa BOT, au kuzihamishia hizo akaunt kwenye benki nyingine na kuwawekea wateja pesa kwenye akaunti hizo...
    Baada ya hapo wateja wenye amana wanakuwa hawajaathirika kwa namna yeyote ile na usitishwaji wa huduma za FBME kwa kuwa mdhamini mkuu BOT ndio anakuwa amewalipa.
    Wale wengine creditors kama suppliers na wale wanaodaiwa na bank hao ndio category ya wahanga/ wanufaika ambao inabidi washughulikiwe na mufilisi ambaye atachaguliwa kwa muujibu wa kanuni na sheira.

    Kwa hiyo BOT ambaye atakuwa ameshawalipa depositor yeye ndiye atakayelipwa na mufilisi kama mdai namba moja (preferential creditor) kwa niaba ya depositors ambao alichukua jukumu la kuwalipa fedha zake...

    Depositor hausiki kabisa na huu mkasaa....
    Ninawashauri wale wote wenye amana FBME, nendeni mkapange foleni BOT mkachukue fedha yenu... BOT akizungusha kuwalipa, kamshitakini IMF au hata World bank. Huu ni ukiukwaji mkubwa sana wa sheria za kibenki kama zilivyoainishwa kwenye Prudential guidelines, Basel II commitee na Banking and Financial institution act 2006...
     
  2. H1N1

    H1N1 JF-Expert Member

    #2
    May 9, 2017
    Joined: May 29, 2009
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    Umewajumbusha sasa ndio watazisoma
     
  3. sayoo

    sayoo JF-Expert Member

    #3
    May 9, 2017
    Joined: Nov 19, 2014
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    Mmmmh kwa hiyo huyo mufilisi asipopatikana ndo imekula kwao , awam hii ngoja niendelee kuhifadhi hizi pesa zangu za madafu kwenye kibubu mpaka awam hii iishe nahisi ndio ntaanza kuweka bank tena
     
  4. Nichumu Nibebike

    Nichumu Nibebike JF-Expert Member

    #4
    May 9, 2017
    Joined: Aug 28, 2016
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    Benki ya bishara inapelekeshwa na BOT utadhani DECI? Haiwezekani hii...
     
  5. Emmadogo

    Emmadogo JF-Expert Member

    #5
    May 9, 2017
    Joined: Nov 1, 2010
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    Kama zilivyoliwa za kagera ndio hizo nazo ziimekwenda na maji
     
  6. MeinKempf

    MeinKempf JF-Expert Member

    #6
    May 9, 2017
    Joined: Jun 11, 2013
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    Hiyo benki ni kanjanja kama vipi waifilisi tu kwani hakuna namna
    bank insolvency is inevitable when the situation is alarming .
    wantakatisha pesa afu waachwe...?
     
  7. Denis denny

    Denis denny JF-Expert Member

    #7
    May 9, 2017
    Joined: Oct 7, 2012
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    Watu wanadhulumiwa kiaina mana benki yenyewe Kifo cha mende,na BOT wameona huu msalaba tutaubeba sisi ndomana wanataka kujichomoa kiujanja
     
  8. H1N1

    H1N1 JF-Expert Member

    #8
    May 9, 2017
    Joined: May 29, 2009
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    Hapakuwa na Benki yenye ukwasi nchi hii kama FBME kimsingi BOT watakuwa na wamakamata account za FBME ambazo zilijuwa BOT na zina mahela mengi tu. Ukiacha ile ya Depositors Insurance Fund bado FBME wanaweza kulipa wateja wao wote
    BOT wanataka kuzifanya fedha za wateja wa FBME Mali ya kuokota ili serikali izitumie
     
  9. N

    Ndakilawe JF-Expert Member

    #9
    May 9, 2017
    Joined: Jul 6, 2011
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    Mkuu, umewakumbusha watu jambo zuri.

    Pia hii ni elimu tosha na fundisho kwetu wengine.. siku mabenki yetu yakikutwa na huu mkasa tutajua wapi pa kuanzia!
     
  10. Denis denny

    Denis denny JF-Expert Member

    #10
    May 9, 2017
    Joined: Oct 7, 2012
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    Umeelewa mada lakini?
     
  11. MeinKempf

    MeinKempf JF-Expert Member

    #11
    May 9, 2017
    Joined: Jun 11, 2013
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    soma hapa chini ujielimishe zaida.
    Taarifa ambayo imetolewa na Benki kuu ya Tanzania leo May 8 2017 imesema mnamo tarehe 24 July 2014 Benki Kuu ya Tanzania iliiweka chini ya usimamizi maalumu (statutory management) FBME Bank Limited (FBME).

    Uamuzi huo wa Benki Kuu ulitokana na notisi iliyotolewa July 15 2014 na Taasisi ya Marekani inayopambana na uhalifu wa kifedha “the US Financial Crimes Enforcement Network” kwa kifupi FinCEN, iliyoituhumu FBME kuwa ni taasisi inayojihusisha na biashara ya utakatishaji wa fedha haramu (money laundering) na hatua ya Benki Kuu ya Cyprus kuliweka tawi la FBME lililopo nchini Cyprus chini ya uangalizi maalumu (special administration).

    Katika Notisi hiyo FinCEN ilitoa kusudio la kuifungia FBME kutotumia mfumo wa kibenki wa Marekani (US financial system) ambapo tarehe 29 Julai, 2015, FinCEN ilitoa uamuzi wa kuifungia FBME kutumia mfumo wa kibenki wa Marekani.

    FBME walifungua kesi huko Marekani (US District Court for the District of Columbia) wakiiomba Mahakama kutengua uamuzi wa FinCEN ambapo hatimaye April 14 2017 Mahakama ilitoa uamuzi ambao unairuhusu FinCEN kuendelea na utekelezaji wa uamuzi wake wa mwisho (Final Rule) ambao unaifungia benki ya FBME kutumia mfumo wa kibenki wa Marekani.

    Uamuzi huo wa Mahakama unaongeza athari kwa kiwango kikubwa katika uendeshaji wa FBME kwa kuwa haitaweza tena kufanya miamala ya kibenki ya kimataifa na kupata huduma za mifumo ya kibenki na hivyo itashindwa kutoa huduma muhimu kwa wateja wake kwa mujibu wa leseni waliyopewa.

    Kwa kuzingatia athari zinazotokana na uamuzi wa mwisho wa FinCEN, kwa mamlaka iliyopewa chini ya kifungu cha 58(2)a, 11(3)(i), 61(1) na 41(a) vya Sheria ya Mabenki na Taasisi za Fedha ya mwaka 2006, Benki Kuu ya Tanzania imesimamisha shughuli zote za FBME Bank Limited kufuta leseni yake ya kufanya shughuli za kibenki, kuiweka chini ya ufilisi na kuiteua Bodi ya Bima ya Amana (DIB) kama mfilisi kuanzia tarehe 8 Mwezi Mei, 2017

    Kufuatia Benki Kuu kufuta leseni hiyo kuwa Mfilisi kuanzia tarehe 8 Mei, 2017, taarifa inatolewa kwa wenye amana, wadai na wadaiwa kuwa wawe wavumilivu wakati Mfilisi akiandaa utaratibu wa kushughulikia stahiki zao.

    Mfilisi kwa wakati muafaka atawafahamisha wenye amana, wadai na wadaiwa utaratibu wa malipo wa madai, ulipaji wa madeni na taratibu nyingine zitazohitajika kwa mujibu wa sheria na kwa maelezo ya ziada kuna mawasiliano ya Mkurugenzi, Bodi ya Bima ya Amana kwa anuani ifuatayo:

    2 Mtaa wa Mirambo
    Benki Kuu Makao Makuu, Ghorofa ya Saba, Mnara wa Kaskazini 11884, Dar Es Salaam
    Simu: +255(0)22 2235390
    Nukshi: +255(0)22 2234200
    Barua Pepe: info@bot.go.tz
     
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