DECI Tanzania: Ilivyoanza, ilipo na hatma yake

[kamakawa]

Kuna wanaosema kuwa behind DECI kuna wafadhili wa kitasha wanaotoa hela ili kusaidia wana dini.. sasa walivyointrodyuz hii kitu katika suala la kidini katika kutafuta kibali cha kuoperet hapa ikawa ngumu, wakaambiwa kuwa kama itakuwa hivyo ondoeni bias na iwe kitu ya kusaidia jamii, kwa hiyo ndo ikaingia kwa staili hiyo.

Wale jamaa kabla ya kuanza shuhuli lazima waimbe na kupiga sala za kufa mtu kwanza ndio kazi mbele. Sasa kama PONZI imeingia kwa sura ingine kama hiyo iko shuhuli, mimi nakaa karibukabisa na hapo hedikota yao Mabibo, jana nimeona mstari yani neva seen b4 kama 0.5 km umejipanga kwa foleni yani hiyo ni asbuhi km saa 2 hivi nikasema doh! kazi ipo

 

[Mpita Njia]

Taasisi za fedha zinazokopesha baada ya kuweka akiba (mbegu) kama saccos zinategemea sana uaminifu wa wanachama. Ndo maana saccos zinasisitiza sana kuwa watu wa jamii moja yaani mnaojuana na mnauwezo au namna ya kuwajibishana pindi yanapotokea matatizo.

Deci ilianzishwa na waumini wa madhehebu ya kipentekoste ili kujikwamua kiuchumi wao wenyewe. Kwakuwa inaleta mafanikio watu wengine pia wakaamua kuingia. Ninachotaka kumaanisha hapa ni imani ya uaminifu miongoni mwa wanachama.

Nimuombe Mzee Mwanakijiji na wengine wanaopinga Deci kwa nguvu zote kutokana na dhana ya kiuchumi kwamba haipo sustainable watuwekee hapa namna deci inavyofanya kazi. Tusiburuzwe na dhana za vitabuni tu, tusiburuzwe na akina Idd Simba na Pride yake nk. Tumeona siku za karibuni Barclays wamesimamisha mikopo kwa sababu ya hasara kwamba watu wamekopa hawarejeshi, mabilioni ya CIS yamekopwa na matajiri/wanasiasa hayajarudi mpaka leo. Lakini hawa walalahoi wanakopeshana na ni waaminifu kurejesha mikopo.

Ninamaanisha kwamba badala ya kupiga kelele na kueleza dhana za vitabuni, tuseme DECI imefanya nini? kwanini itashindwa na kuishia pabaya. au ni lengo la kutaka kujua mbinu yao ya kibiashara?

These people believes in God, God will not let them down. Maybe is the beginning of economic revolution.

Tofauti na zilivyo benki au saccos, Deci haitoi mikopo. Hawatozi riba wala fedha zao hawawekezi mahali popote zizae. Wanapata wapi faida wanayowalipa watu waliopanda fedha zao? Hicho ndicho kitendawili

 

[Abdulhalim]

kwa sababu aliye ahidi maisha bora alitudanganya na sasa yeye kazi yake ni kuzurura tu kama kala miguu ya kuku.

post of the day...

 

[Mahesabu]

Mjadala wa DECI ufungwe mara moja,wahusika wakamatwe watiwe lupango,kwisha.Sheria iko wazi kuchezesha upatu ni criminal offence, period,hakuna cha kujadili hapa,huwezi kujadiliana suala la mhalifu na kujiuliza kama umkamate au usimkamate ,huo sio utawala bora.As for me this is my last post on this DECI ponzi scheme,hamtanisikia tena naizungumzia,i am fed up na ujinga wa DECI.

running away from a problem....IS A WAY OF SOLVING IT.....!

 

[Jamco_Za]

Natoa ushauri kama ifuatavyo, Deci kwavile maskini wanadai kuwa inawapa maisha Bora basi serikali iungane nayo hata yale mabilion ya Jk yapitie huko Deci. Lakini hawa viongozi wa Dini wana Akili sana maana wamebu kitu ambacho kita wainua Watanzania woote waislam kwa wakristo. Kazi nzuri sana. Serikali uchukue nafasi yake kuweka wataalamu na washauri maana Deci imekuwa huduma ya kijamii.

Mnajua watanzania tumezoea vya bure ndio maana kila siku watu wanalizwa na karata tatu, waboreshe wapi? kwa theory na practical gani za kiuchumi ambazo kwa miezi 3 unatriple pesa yako? haya yameshatokea ughaibuni na watu wamelizwa na kulalamikia serikali.

Nawashauri Benki kuu hawa ni kuwaacha kama walivyochwa wa upatu halafu siku moja wakija wanalialia ni kuwauliza kama hawakusikia warning waliyopewa, maana mtu unakuwa na tamaa kwa vitu ambavyo unajua kabisa at the end of the time lazima kuna watu watalia.

Hizi ponzi scheme zilifanyika siku nyingi ughaibuni na kila kitu kinajulikana na inachofanya serikali ni kujalibu kuwaelimisha wananchi ili wasije wakalia kesho na kesho kutwa.

Hivi mnaposema viongozi wa dini sio wezi watu wana maana gani? viongozi wa dini ndio wezi number moja ulimwenguni kwa kutumia psychologia kuwaibia masikini wakati mnaambiwa ukweli kuwa mwenye nacho ataongezewa na asiyenacho atanyanganywa sometimes kwa nguvu.

Hao hao viongozi wa dini wanakaria marundo ya mapesa wakati waumini wao wanalala na njaa kila siku, sasa wanaingia kwenye kuvamia njia za kiuchumi na kuzitumia kuwaibia wananchi.

Be careful

 

[Mpingo1]

Scheme kama hii hatari yake ni pale inapokuwa imetanuka mno kushindwa kurejesha pesa za wanachama kama ilivyoahidi. Wanaweza kuwa na mtaji fulani kuendeshea upatu huo, lakini itafika mahali mtaji huo utashindwa kuhimili madai ya wateja kutokana na kutokuwa na mtaji uliopo kufikia ukomo wa kuhudumia wateja wake.

 

[Jamco_Za]

Hapa chini kuna nastiest top ten ponzi scheme ambazo ukiziangalia nyingi hazina tofauti na DECI na tatu kati hizo ni za vingozi wa dini, tena wakrito maana mchangiaji mmoja kasema wangekuwa waislam asingeshangaa. Sasa ndugu yangu utagundua kwanini Viongozi waislam hawawezi kujiusisha na hivi vitu kwani dini ilishawakataza tayari, lakini biblia iliwaruhusu kwa mfano wa kumsifia yule aliyezalisha shilingi na kuwa pesa nyingi zaidi.

Kwahiyo viongozi wa kikristo hawafanyi kosa bali kosa ni kuwaibia wananchi tu kwa njia za hajabu kama hizi



Source yake ni The 10 Nastiest Ponzi Schemes Ever | Business Pundit



10. The Fraudulent Feminist



(Note: This isn’t Howe. Just an 1880s woman from a catalog.)

In 1880, Boston Ponzian Sarah Howe promised women 8% interest on a “Ladies Deposit.” She said it was only for women, selling an implicit assumption of safety. She took the money and ran.

Nastiness Factor: Bad. Way to break the sisterhood of trust, Sarah.

9. The Haiti Haters >



Ponzi schemes popped up all over Haiti in the early 2000’s. These schemes sold themselves as government-backed “cooperatives.” They ran mainstream-sounding ads, some of which featured Haitian pop stars. As a result, people felt safe investing more than $240 million–60% of Haitian GDP in 2001–into the schemes, which ended up being a massive swindle.

Nastiness Factor: Bad. Haiti is already one of the poorest countries in the world. People there eat mud cakes when times get bad. Cheating them out of their meager savings is sick; alas, it also appears to be systemic.

8. The Scientologist Snake



Earthlink co-founder and Scientology minister Reed Slatkin posed as a brilliant investment advisor for A-list Hollywood residents and corporate bosses. Working out of his garage, Slatkin cheated the rich and famous out of roughly $593 million, creating fake statements referring back to fake brokerage firms to prove his mettle. He fed the Church of Scientology with millions of his winnings. In 2000, the SEC caught wind that Slatkin wasn’t licensed, and busted the scheme.

Nastiness Factor: Mild. Cheating the rich and famous usually results in fewer bankruptcies than, say, misling seniors out of their retirement funds.

7. The Lottery Uprising



When Albania was moving out from behind the Iron Curtain in the mid-1990s, a powerful government and environment of questionable ethics resulted in a financial system dominated by pyramid schemes. The government endorsed various Ponzis, which robbed the majority of the population and netted more than $1 billion in losses. Albanians rioted and overthrew the government.

Nastiness Factor: Deplorable. Don’t government officials realize that endorsing Ponzi schemes might get them overthrown?

6. The Costa Rica Crooks



Three Costa Rican brothers, Enrique, Osvaldo and Freddy Villalobos, defrauded clients–mostly American and Canadian retirees–out of $400 million in a 20-odd-year unregulated loan scheme that started in the late 1980s. They promised interest rates of 3% per month on a minimum investment of $10,000. Villalobos moved money through shell companies before paying investors. Its staying power had to do with the fact that margins were low, the brothers were disciplined, and the outfit just barely skirted past laws.

Nastiness Factor: Mild. The size of the operation gives it a place on this list, but the brothers also had real assets to back them up. It’s Ponzi Lite, but that doesn’t ease the burden on people who lost everything.

5. The Biblical Bilker



In fraud-rich Florida, the Greater Ministries International church used Bible-speak to cheat its flock out of $500 million. Starting in the early 1990s, the church, led by gun-toting minister Gerald Payne, offered worshippers investments in gold coins. Payne then created an investment plan that would “double the ‘blessings’ that people invested” by funneling money towards the church’s fake precious metals investments. According to the Anti-Defamation League,

Payne said that God had modernized the multiplication of the loaves and fishes and asked him to share the secret.


$500 million later, the Feds caught Payne, but most investors never got their money back.

Nastiness Factor: Disgusting. Anyone who uses holy speak to bilk people out of their retirement savings is disgusting, plain and simple.

4. The Boy Band Bandit



Beginning in the late 1980s, Lou Pearlman, Art Garfunkel’s cousin and former manager of ‘N Sync and the Backstreet Boys, offered attractive returns through his FDIC-insured Trans Continental Savings Program. The scheme was neither a savings and loan nor FDIC-approved, but that didn’t stop Pearlman from bilking investors out of nearly $500 million, with which he planned on funding three MTV shows and an entertainment complex.

Nastiness Factor: Deplorable. Pearlman was already a multimillionaire. The fact that he became a compulsive criminal after that means he should sit in a cell for a very long time.

3. The Retiree Plunderer



Mexican resort owner Michael Eugene Kelly schemed retirees and senior citizens out of $428 million. He offered them timeshare investments in Cancun hotels that he called “Universal Leases.” The timeshares came with rental agreements promising investors a nice fixed rate of return. Most of his victims used their retirement savings, thinking they would get solid, low-risk returns. The SEC says that “more than $136 million of the funds invested (came) from IRA accounts.” Kelly, meanwhile, bought himself a private jet, racetrack, and four yachts.

Nastiness Factor: Disgusting. Defrauding senior citizens out of their retirement savings is just about as low as you can go.

2. Madman Madoff



Bernard Madoff’s scam is still unfolding. The facts as we know them now are that Madoff spent decades building the biggest Ponzi scheme in history, bilking nonprofits, famous people, funds, banks, and countless others out of $50 billion.

Nastiness Factor: Deplorable. The man single-handedly destroyed charities, life savings, and other organizations yet to be named. The amount of money involved earns him a spot just below Charles Ponzi himself.

1. The Namesake



The King of Get Rich Quick, Charles Ponzi became a millionaire in six months by promising investors 50% return in 45 days on international postal coupon investments. He earned $15 million, which in 1920s terms was serious money. After Ponzi was caught, investors only received $5 million back.

Nastiness Factor: Mythical. This ancestor of fraudulent men passed his name on to the many schemes that would follow his own. His legacy, and his scheme, are forever memorialized, earning them a unique Nastiness Factor label.

 

[mwakatojofu]

maaskofu wa pentekoste wakiwapa wenzao wa makanisa mengine miujiza inayosababisha lak 2 iwe lak 4 kwa muda mfupi watapoteza nin? hakuna. zaid zaid mchango wao katka 'kuboresha maisha ya mtz' utakuwa umeongezeka. hii si siri ya biashara kwa sababu hawatafuti faida

au moravian, lutheran, katolik na misikit haijaomba ushauri?

nataman moravian waanzishe kitu kama deci
nataman katolik waanzishe kitu kama deci
nataman lutheran waanzishe kitu kama deci
nataman wasabato waanzishe kitu kama deci
nataman misikit nayo ianzishe kitu kama deci
etc.

mwaka jana mwishon kuna mtu aliniambia kijuujuu habari za deci. nilimwambia haiwezekan iwe kweli. nilimwambia mamake ambaye alikuwa ameweka pesa yake kule atapoteza hela yake. sikuthubutu hata kuchunguza au kufuatilia zaid. nilijua nikijiunga nitalizwa hela yangu

du, tangia siku zile ningekuwa na mihela kibao angalau mpaka tarehe hii kama ningekuwa nimejiunga

aisee

of course, hii ina mwisho. lakin ni lini mwisho wake?

 

[eddy]

Upatu huu unaashiria kuwepo kwa "Macro Economic gaps" nichangamoto kwa akina prof.Mbele, prof.Ndullu kubaini hizi gaps zinatoka wapi? ni opportunities zipi zilizopo? na suluhisho lake ni nini? sio kung'ang'ana kufunga DECI!

 

[Semjato]

Upatu huu unaashiria kuwepo kwa "Macro Economic gaps" nichangamoto kwa akina prof.Mbele, prof.Ndullu kubaini hizi gaps zinatoka wapi? ni opportunities zipi zilizopo? na suluhisho lake ni nini? sio kung'ang'ana kufunga DECI!

hata hedge funds hazitoi faida kubwa kwa muda mfupi hivyo japo inafahamika zenyewe zinawekeza kwa kuangalia opportunities za stock market,shortselling,buying underpriced na kuuza haraka overpriced.

kwanza kwenye DECI pesa za wanaopanda zinakuwa insured??tutafutieni wanaoiendesha tu watuwekee jinsi inavyofanyika jakamoyo lituishe...

 

[Kang]

Now DECI depositors clamour for withdrawals.
ABDULWAKIL SAIBOKO, 9th April 2009 @ 11:17, Total Comments: 0, Hits: 254

Clients of the Development Entrepreneurship for Community Initiative (DECI) have blamed the company's management for barring them from withdrawing their monies following warnings from the Central Bank that DECI was a pyramid scheme.

Earlier, government sources told the 'Daily News' that the depositors would lose the money because the firm doesn't have sufficient funds to settle 'matured' claims, even much less to repay depositors who want to withdraw their monies.

A survey conducted at the company's head office in Mabibo, Dar es Salaam yesterday indicated that the majority of members who flocked to the offices early in the morning failed to withdraw their deposits. "We are stranded … they have refused to repay our money, they are saying that the claims (by the Cental Bank) are unfounded and that they breach our agreements," said Mr Samweli Mshana.

The management of the firm pinned statements on notice boards of all branch offices announcing that the clients were not allowed to withdraw their deposits without following procedures. The procedures include written requests stating strong reasons why the refund should be approved.

According to the management of the firm, withdrawal of deposits was not allowed as per contract between a client and the firm. Many of the clients found at Mabibo were huddled in small groups – each weighing up the situation before them: just why the management could bar them from withdrawing their deposits.

It was found out that majority of those who were afraid of losing money were ‘small-time depositors', because their ‘senior' counterparts who had reaped several times over were boasting around saying that they had got nothing to lose.

"For some of us who are senior members we are ready for anything, but I'm sorry for my friends who have just joined DECI because if legal measures are taken against the company, they will definitely lose their money," said one member who preferred anonymity.

Unlike other days when members went about smiling, yesterday it was different – most wore distant looks pondering on their fate and the safety of their monies. This newspaper revealed that although the firm had collected 13.7bn/- by February 15 this year, only 1bn/- was in the firm's bank account.

Commenting on the matter, the Capital Markets and Securities Authority (CMSA) Chief Executive Officer, Dr Fratern Mboya, who jointly signed the warning with BoT, said that it was good news to hear that some members have started to wake up. "It is good news but I would suggest that they report the matter to police as remaining silent would at the end of the day cost them," he said.

Dr Mboya said that CMSA and BoT had handled the matter to the Director for Criminal Investigation's office and that all they could do is to provide advice only. He emphasised that the company is pyramid scheme and that at the end of the day clients would lose their monies.

"There is no way in which a sum of money can triple in such a short period of time, it is clearly a scam and bad enough is that they are affiliating it to religious beliefs to fool its members. This is a crime," he said. He said that the request made by DECI members asking the authorities to formalise the business was not possible as such business can not qualify for registration.

While warnings are aired against the DECI, a company with a similar name and involved in similar scheme collapsed last December with about 600 million Kenyan shillings (over Sh10 billion) deposits. The Kenyan government is said to be currently investigating the defunct company, known as Development Entrepreneurship for Community Initiative (DECI) Kenya Limited. It is not yet clear whether the two are sister companies. DECI Tanzania officials have not confirmed any links with the Kenyan scheme.

 

[BAK]

2009-04-10 10:08:00

Deci: State House reacts

By The Citizen Reporter ​

State House yesterday ruled out direct intervention by President Jakaya Kikwete in the controversy surrounding Development Entrepreneurship for Community Initiative (Deci) Tanzania Limited.

President Kikwete's assistant press secretary, Ms Premy Kibanga, told The Citizen in a telephone interview that there would be no public statement from the President on the Deci saga.

She said the matter was in the hands of "very competent" arms of the Government.

"The President will not make a decision that is contrary to the law just to please some people," Ms Kibanga said, adding, "Deci is under investigation by relevant government organs, and President Kikwete happens to lead the same government. He will not take a different approach."

She said the organs investigating the company were doing so on behalf of the government led by President Kikwete leads, and would advise the Government accordingly based on their findings.

The State House's stance comes as a blow to the hopes of religious leaders who on Wednesday led thousands of Deci members in appealing to President Kikwete to intervene and prevent Deci's imminent closure.

The Bank of Tanzania (BoT) and Capital Markets Securities Agency (CMSA) have declared Deci's operations illegal, and warned the public that the company is not licensed to run a revolving funds scheme.

Deci has 700,000 registered members who have deposited billions of shillings in what authorities say is a pyramid scheme that could collapse any time with their savings.

The Government has already ordered investigations into Deci�s operations. The probe involves BoT, CMSA, police and State Intelligence.

However, Deci officials and thousands of people who have poured money into the scheme have come out fighting, saying BoT is being used by unnamed "competitors" to undermine the institution.

Deci began as an empowerment project under the Jesus Christ Deliverance Church based at Mabibo in Dar es Salaam. The church wanted to enable members to earn some money on savings at "a reasonable rate and time". It has since attracted thousands of people from other faiths.

On Wednesday, Pentecostal Church of Tanzania (PCT) clergymen Bartholomeu Sheggah and David Mwasota led thousands of Deci investors in demanding an end to Government investigations into the institution�s operations.

The bishops said the lives of 3.5 million people would be adversely affected if Deci was closed down. Warnings by BoT and CMSA seem to have had little or no effect on potential clients who have been turning up in their hundreds at Deci's 37 branches countrywide every day to deposit money.

A spot check at Deci�s branches in Dar es Salaam established that people continued to deposit money in anticipation of earning up to 300 per cent interest in periods ranging from three to six months.

A big crowd converged on the institution's head office at Mabibo, with many people saying they hoped President Kikwete would intervene.

Bishop Sheggah told The Citizen that the turnout was "encouraging", and reiterated that the company had won the public�s trust for bailing out people locked out by banks.

He said he was looking forward to a positive response from the Government following Wednesday's appeal. "We have already dispatched our letter to President Kikwete and Speaker of the National Assembly Samuel Sitta�we're waiting for a response," he said.

Bishop Sheggah said many people who had been driven away by "negative publicity" were coming back.

"We have told them to continue depositing while those whose interests have matured should come and collect their money," he said.

Deci members who spoke to The Citizen said people who established Deci were their saviours.

"We trust Deci and its leaders. These people have pulled many of us out of grinding poverty. They have our full support," said Mr Joshua Mduma.

Ms Monica Mkilamwene said: "We believe President Kikwete will intervene in this matter. We also believe that the two sides will reach to an amicable agreement very soon."

Many said they did not believe reports that company with a similar name and led by religious leaders had collapsed in Kenya with the equivalent of over 10 billion Tanzanian shillings of members' savings.

In Morogoro, a CCM official, Mr Amos Makalla, paid a surprise visit to the local Deci branch, and said he would voice support for any scheme that enabled ordinary Tanzanians prosper.

He was addressing hundreds of members who turned up outside at the Deci officers to show their support for the company. Deci members appealed to the ruling party ensure that the institution's operations were not suspended.

Mr Makalla, who is CCM's national treasurer, witnessed members deposit money and collect payments.

"When CCM won the 2005 elections, it said it wanted to improve people's lives�if this organisation is working towards this goal, then it should be assisted and supported, not demonised," Mr Makalla said.

He appealed for calm as the Government handled the matter.

Additional reporting by Florence Mugarula in Dar es Salaam and Lilian Lucas in Morogoro

 

[Bluray]

So essentially this comment was about the president not making a comment, why make this comment in the first place?

 

[Waberoya]

Tofauti na zilivyo benki au saccos, Deci haitoi mikopo. Hawatozi riba wala fedha zao hawawekezi mahali popote zizae. Wanapata wapi faida wanayowalipa watu waliopanda fedha zao? Hicho ndicho kitendawili

unga!

 

[Mwanaluguma]

Kuna njia kubwa nne za mtu kutengeneza fedha, kuuza kitu (bidhaa, nguvu kazi, huduma n.k), kukopa (ahadi ya kurudishiwa baadaye), kuwekeza kwenye chombo cha fedha (kupata riba n.k), na kupewa za bure (urithi, zawadi, kushinda bahati nasibu n.k)

Sasa kwenye hii DECI jambo moja inaonekana ni wazi:

a. Mtu anawekeza fedha zake baadaye anapata malipo yakiwa na faida ya kuliko kile alichowekeza. Njia hii inatumiwa na benki nyingi (kama siyo zote) ambapo mteja anaweza kuwekeza fedha kwa masharti fulani akitarajia kwamba baada ya muda fulani atapata faida ya kiasi fulani kutokana riba ambayo anaijua tangu awali. Huu ndio msingi wa Akaunti za Akiba, CDS, IRAs na wenzao. Hivyo kwa mteja wa kawaida yeye hajali sana benki zinafanya nini na hela yake lakini anajua kuwa baadaya muda fulani atapata riba (iwe compounded au simple).

b. Kwa benki hazifanyi huduma ya bure. Zinapofanya hilo la (a) hapo juu (yaani kuchukua fedha za wateja) hawazikalii fedha hizo bali wanazizungusha katika biashara mbalimbali au hata kuziuza kwa taasisi nyingine n.k ilimradi kwamba zile fedha zinatumika kuzalisha faida huko zinakozungushwa. Wanafanya hivyo wakijua kwamba mteja hatorudi kuzichukua fedha zake hadi miezi sita ipie. HIVYO, benki itazungusha fedha hizo ili hatimaye ziwe na faida zaidi ya faida ambayo ataipata mteja. Kwa mfano, kama mteja aliweka Shs 100,000 na anajua kuwa baada ya miezi sita atapata 50,000 zaidi, basi ile benki lazima iwe na uhakika kuwa itakapozungusha hizo fedha huko itapata faida ya zaidi ya 150,000 (say 175000).

Hii ina maana ya kwamba, mteja atakapokuja baada ya miezi sita atachukua hela yake ya awali na faida (150,000) na Benki itabakiwa na 25,000 kama faida yake.


c. Sasa Benki haiwezi kutoa fedha tu za faida bila yenyewe kutengeneza faida vile vile. Hivyo kwenye hii DECI maswali yanayokuja ni kwamba hao jamaa wao wanapata faida gani?

- i. Haiwezi kuwa ni ada, kwani kwa kadiri ya kwamba wanacholipa wateja wao ni zaidi sana ya fedha waliyoingiza ile ada inakuwa cancelled na malipo hayo.

- ii. Bila ya wao wenyewe kuwekeza kwenye mzunguko mwingine wa fedha (aidha kwa kuchukua fedha hizo na kufungua akaunti yenye riba kubwa) wao wanapataje faida? Kama wamekusudia kuwekeza fedha benki, lazima hiyo riba iwe kubwa mno. Nimeangalia CRDB ambao rate yao ya juu ni asilimia 7 (kwa miezi 12, 24) kwa kiasi chochote kuanzia bilioni moja kwenda juu.

Kwa Wekezo la miezi tisa kwa shilingi milioni 100 rate yake ni asilimi 4.5. Hii ina maana ya kuwa baada ya miezi tisa ukiwekeza milioni 100 unapata milioni 4.5 kama faida. Sasa kama ni mtu mmoja hiyo siyo mbaya sana hasa ukijua kuwa kila baada ya miezi tisa unapata karibu milioni tano unaweza usifanye kazi yoyote ile! Sasa hawa DECI wao wanawekeza kwenye nini?

d. Njia ambayo naweza kuiona kwa jinsi ilivyosimuliwa humu ni kuwa wao wanazungusha fedha za mteja wa leo kwenda kumlipa mteja wa jana! na gurudumu linaendelea vivyo hivyo. Katika mtindo wa namna hiyo haijali sana riba wala nini inajali idadi ya watu wanaojiandikisha na muda wanaotakiwa kusubiri kupata "mavuno yao".

HIvyo ukijiunga leo na kutoa laki mbili. Watakuambia usubiri hadi miezi minne ipite halafu ukija baada ya miezi minne unapewa laki tano (yaani laki tatu zaidi). Sasa unajiuliza wao wametoa wapi hizo laki tatu? Jibu ni kwa wale waliojiunga nanyi ndani ya miezi ile minne. Fedha uliyotoa wewe ya laki mbili inatumika kuwalipa wale waliokuwa kabla yako.

Hii ina maana gani? Ina maana ya kwamba ili kumlipa aliyeahidiwa laki tano baada ya miezi minne inahitajika watu wengine wawili walijiunge!

TATIZO:
Kwa kadiri ya kwamba mtindo huo unategemea wateja wapya na unaendelea kuahidi mavuno makubwa, basi hatima yake ni kuanguka au kuporomoka kwani baada ya watu wote kujiunga na mtandao huo wale wanaoingia mwisho watajikuta hakuna wa kuwalipa wakati wale walioingia mwanzoni watakuwa wameshakuwa matajiri wa haraka haraka!

So, mtu atutafutie majibu kuwa hawa jamaa wanauza nini na wao wanatengenezaje faida ya kuwalipa watu kiasi hicho kikubwa cha fedha?

Nakuunga mkono suala la kupatiwa majibu ya swali hili je wale watakaojiunga mwisho watavuna nini? na je DECI watapata wapi fedha za kuwalipa wataokosa?

 

[Chuma]

Bubu si kwamba Hajui...kucopy na ku-paste kuna bore sana...Hii DECI ina kama thread 2-3 na bado mtu anaanzisha ya kwake....Bubu nafikiri unatafuta attentions hapa JF...hata kama hutaki policy yako ya copy/paste...basi weka macopizi yako ktk mada husika...

Hii inasaidia flow ya habari...pia unawapunguzia Muda Mods hamisha hamisha na unganisha unganisha...

 

[Mdadisi]

Hii inatokana na mada yenyewe kutoisha katika media za Bongo. Kila mtu anajadili katika angle yake lakini moja lililowazi ni kwamba PONZI SCHEME (AU PYRAMID SCHEME) haiwezi kuwa SUSTAINABLE IN A LONG RUN, hata wakiachwa na serikali ITAKUFA PUNDE.

Acha Bubu akopi na kupaste huenda yuko under pressure kutosoma thread zingine

 

[Mhache]

Kwa wanachama wa DECI hasa wale waliokwisha kuvuna baada ya kupanda ni ngumu kuwaeleza kwamba DECI inaweza kuwapa kilio. Kwani kila mmoja wa wanachama wa DECI anategemea kuvuna tu na hategemei kuna siku atakosa au pesa yake kupotea. Huu ni upatu lolote laweza kutokea. Wangi wanafikiri kutolewa kwa tamko kwamba DECI haina baraka za Banki kuu ni kwamba kuna mabenki na mashirika yanayotoa mikopo yameathirika kutokana na kukosa wateja kwani wengi wamekimbilia DECI. Na kweli wapo wengi waliofaidi kutokana na DECI, ambao ni ngumu kuwaeleza waachane na DECI.

Tatizo langu ni hili; DECI wanapata wapi hizo fedha watu wanazovuna? DECI inafanya biashara gani ambayo inawapa mapesa wanayowajaza watu? Hilo inabidi liangaliwe kwa umakini sana.

Naomba mchango wenu wanajamii forum.

 

[Mhache]

Asante bubu kwa kutujuza kupitia dirisha hili la jamii forum kuhusu msimamo wa serikali kuhusiana na DECI, mkombozi wa wanyonge na maskini. Copy and paste is not a problem if you put the paste at right place and time as you did here.

 

[Kwetunikwetu]

STAR TV leo asubuhi wamerusha live mahojiano mahsusi kuzungumzia mambo mbali mbali ya DECI. Wageni waalikwa katika studio ya DSM walikuwa watatu, mchungaji, askofu na mkurugenzi wa DECI (ambaye alitoa udhuru kuwa gari yake imeharibika kabla hajafika studio). Hivyo mchango mkubwa wa ufafanuzi ulitoka kwa mchungaji na askofu. Katika kufuatilia kwa makini kipindi hicho nimekutana na statement nzuri zifuatazo:

Mchungaji: Serikali inachokifanya kuhusu kuelezea matatizo ya DECI ni jambo la msingi kwa vile ina wataalamu waliobobea kwenye uchumi, ambao wanapaswa kutoa mwelekeo ili kunusuru mambo yasiharibike ila kuyafanya yawe mazuri

Askofu: Serikali haijatoa tamko la kuifuta DECI isipokuwa, hivyo ni vizuri kwa wadau wa DECI kushirikiana na serikali ili kuondoa utata unajitokeza


Lakini pia nilisikia kauli tata zifuatazo:

Askofu: wazo la DECI lililetwa na Mungu kwa mchungaji fulani kijana (around 40yrs, mkazi wa DSM) ili kutatua matatizo ya kiuchumi wa watu maskini Tanzania kufuatia maombi ya muda mrefu kuhusu hali ya maisha

Askofu: DECI wana taratibu zao za kuwezesha wao kuzungusha pesa zao ili faida ipatikane ya kuwagawia wapandaji. Sio vizuri kutoa siri za kibiashara wanazofanya DECI ili watu wengine wasiige, kwa vile imekuwa ni kawaida kwa Tanzania kuigana

Mtazamo wangu:

1. Suala kwamba DECI imetoka wa Mungu naona ni njia tu ya watu kuzuia mjadala kwa kutumia jina la Mungu ili kututisha. Hii imekuwa kawaida katika mambo mengi, watu wakiona wamebanwa wanamsingizia Mungu ili kujificha na utashi wa ufafanuzi. Pia DECI Tanzania wamecopy kile kilichotokea Kenya allAfrica.com: Kenya: DECI Boss Arrested in Busia (Page 1 of 1)

2. Askofu kusema kuwa taratibu za kibiashara kuhusu fedha zinazokusanywa na DECI ni siri haipaswi kusemwa hadharani, nayo pia ni kuficha ukweli halisi wa yaliyopo. Naamini kuwa ufunuo wa Mungu sio siri, ingekuwa siri hata wokovu wangepata wayahudi peke yao