Deni lipi linaweza kukufunga?

Posho City · Apr 30, 2014

Wadau mimi ni mwajiriwa wa Umma na kipindi nipo job nilikopa kwenye taasisi fulani na wakawa wanakata kwenye salary kila mwezi. Kabla sijamaliza nilipata chansi kwenda kusoma na mwajiri akagomea ruhusa. Nilipoondoka akaniondoa payrole, asa hao jamaa kitambo wanasumbua kuhusu deni lao ila mimi nkawaambia wasubiri nimalize ili nirudi payrole niendelee kulipa deni lao.

Juzi wakanitumia account number kuwa ili wanivumilie niweke laki moja then watasubiri. Ila huku nilipo sina mshahara bodi ya mikopo majanga na nilipowaambia hvo wakasema basi watanipeleka mahakamani.

Je hyo kesi inaweza nifunga au ni kukubaliana nikawalipa?

kalamu ya chuma · Apr 30, 2014

wasikutishe hao,mkopo wako una bima,usitume hiyo pesa na hata wakikupigia simu usipokee wao wanajuana na mwajiri huko.

ukawa · May 1, 2014

sasa kabisa hata mm kama wewe bima ndo kila kitu kwanza nakulaumungeondoka na mshiko wa maana unaposema uweke laki inaonekana ulichukia mkopo mdogo pole!

economista · May 1, 2014

KIFUBA KYA ITAHWA said:
Wadau mimi ni mwajiriwa wa Umma na kipindi nipo job nilikopa kwenye taasisi fulani na wakawa wanakata kwenye salary kila mwezi. Kabla sijamaliza nilipata chansi kwenda kusoma na mwajiri akagomea ruhusa. Nilipoondoka akaniondoa payrole, asa hao jamaa kitambo wanasumbua kuhusu deni lao ila mimi nkawaambia wasubiri nimalize ili nirudi payrole niendelee kulipa deni lao.

Juzi wakanitumia account number kuwa ili wanivumilie niweke laki moja then watasubiri. Ila huku nilipo sina mshahara bodi ya mikopo majanga na nilipowaambia hvo wakasema basi watanipeleka mahakamani.

Je hyo kesi inaweza nifunga au ni kukubaliana nikawalipa?

Hakuna kesi hapo kijana. Kumbuka unapokopa frm any financial institution huwa unatakiwa uwe na collateral ili ukisgindwa kulipa wauze hiyo dhamana (collateral) yako.
Lakini mikopo mingi ya waajiriwa huwa dhamana yao ni salary slip au taasisi husika. Hivyo km umeacha kazi and ur salary slip doesn't exist then wao watatakiwa kumbana mwajiri wako km alikudhamini pia bt apart from that hiyo ni hasara kwao (tunaita bad debts).
So hicho wanachokifanya is one of financial institution's strategies of recovering the loans which are at risk of not be repaid.

Paul Mchumi · May 3, 2014

kalamu ya chuma said:
wasikutishe hao,mkopo wako una bima,usitume hiyo pesa na hata wakikupigia simu usipokee wao wanajuana na mwajiri huko.

Are you sure?

Deni lipi linaweza kukufunga?

Posho City

JF-Expert Member

kalamu ya chuma

JF-Expert Member

ukawa

JF-Expert Member

economista

JF-Expert Member

Paul Mchumi

JF-Expert Member