Easy Finance matapeli?

Sina hisa lakini kuna watu ambao nawafahamu kwa karibu katika mazungumzo wameniambia wamechukua hapo EF mikopo kiasi cha 50 millioni watu hawa wamejiajiri wenyewe na ni ni watu maarufu tu na kwa maoni yao wakihitaji mkopo tena hawatasita kurudi EF.

Sasa kama nimeambiwa hivi na wahusika sioni sababu yoyote ya kuficha ukweli eti kwa kuogopa kuambiwa nina hisa EF. Sina hisa EF wala sina mpango wa kununua hisa huko bali nasema nilichoambiwa na baadhi ya wakopaji waliofaidika na mikopo ya EF. By the way I am talking about Tanzania's EF and I know nothing about US' EF.

Sasa unadhani wajanja wanadhulumiana. Inawezekana unaowasema hapo ni watoto wa mjini wenzao ama wajasiri wa mali wa CCM ambao inabidi waheshimiane.

Tanzanianjema
 
Hakuna wizi wowote unaonendelea... This is the essence of capitalism... Ndio system watu wanayoitaka so as long as they are aware of all the charges and willingly signup.. hakuna wizi.. JF is full of haters sometimes..
 
Njia pekee ya kukwepa mfumuko wa bei na mikopo yenye interest rate ya juu ni kuziba mianya ya wezi na ufisad

Mmoja wa wezi na mafisadi hao ni EF wasimwache aendelee kuibia wajasiliamali
na kuachia soko huria lifanye kazi na kuleta ushindani, rate zitashuka na mashariti yatakuwa nafuu.

Hapa kazi ya BoT na regulators wengine ni ipi?, huwezi kuacha soko huria bila kuliwekea mipaka, lazima kuwe na common sense rules of playing
lakini kwa nchi zenye mfumuko wa bei kama za dunia ya tatu, loan nyingi ni high risk loan, hivyo zinabebwa na high interest return rate.
Tanzania bado mabenki hayajafanya kazi zake viruri, ajira shida na Serikali haipo, hakuna wa kumfunga paka kengele.

Huwezi ku-cover risk kwenye kutoza watu interest kubwa kuliko inayotakiwa kawaida, hiki ni kisingizio hakina ukweli, unachotaka kusema hapa ni high risk-high return. Hebu niambie ni risk gani hiyo inayosababisha ucharge high interest?, na je ukimkopa mtu ambaye ni high risk akiingia mitini (default) ndiyo interest rate ita-cover?. Risk uta-cover tu kwa kuwa strict kwenye kutoa loan

1. Thorough risk analysis of a client

2. Strict covenant


akitimiza hayo mpe mkopo na sio kuleta ujanja-ujanja wa ku-kuficha some information na kuja kuziweka wazi mwisho wa mchakato wakati umeshamchukulia mtu non-refundable sum of 300,000 etc. huu ni utapeli na wizi wa waziwazi
 
Hakuna wizi wowote unaonendelea... This is the essence of capitalism... Ndio system watu wanayoitaka so as long as they are aware of all the charges and willingly signup.. hakuna wizi.. JF is full of haters sometimes..
Kama ni capitalism ambayo unasema watu wengi wanaipenda...mbona watu wanapiga kelele pale nauli kidogo tu za dala dala zinapopanda au rates za umeme? Look man, ubepari ni mzuri when you are on the other end of the stick..the receiving end.

Mimi na wewe tuna ndugu ambao ni masikini wa kutupwa, tukiachia free market economy i dictate the way tunavyoishi...kwa mfano, kila mwajiri aajiri mtu yeyote anayemtaka kwa sifa za kubagua (Hooters style) just because they can, na madaktari wote bingwa waseme wanataka kuwa independent kwa hiyo wanafungua clinics zao na watakuwa wana charge fees kulingana na mifumo mingine ya afya duniani e.g wa Marekani ambao unamlipa daktari handsomely...what do you think is going to happen?

I know kitu kimoja...only the strong will survive. Na watakao survive ni wachache kuliko watakao crumble. Ndio maana nchi zote tajiri zinazofuata mfumo wa ubepari zina social services kwa sababu kuna mamilioni ambao ni waathirika..ndio maana serikali kama ya Marekani wana foodstamps, na Medicaid programs...hizi zote ni kusaidia those who are at or below the poverty line to survive basically.
 
Hakuna wizi wowote unaonendelea... This is the essence of capitalism... Ndio system watu wanayoitaka so as long as they are aware of all the charges and willingly signup.. hakuna wizi.. JF is full of haters sometimes..

......hii mambo ya kufikiri capitalism/free market watu wanajipangia whatever price/charges/interest rates wanavyotaka just kwa sababu upande mwingine watalipa nafikiri ni very shallow understanding of free market....

Najua sio kila kapuku mwenye pesa anaweza kutoa mikopo kwa kujipangia rates bila kufuata lending law ambayo ina statutory maximum and legal methods for charging interest rate,nina uhakika wanachofanya EF ni illegal under the law na akitokea mjanja wa kuwapelekesha mahakamani watafunga ofisi the next day!
 
To suggest that its illegal without giving the relevant sections of the purported Act if at all it exists in the Tanzanian statute book, is pure speculation.. Its unfair but its not utapeli when u have all the information beforehand... JF haterism..
 
To suggest that its illegal without giving the relevant sections of the purported Act if at all it exists in the Tanzanian statute book, is pure speculation.. Its unfair but its not utapeli when u have all the information beforehand... JF haterism..
Hivi Kinyambiss kwa mfano, nikiandika kwenye mkataba wa mkopo kwamba interest payments ni subject ya account balance which is based on lets say 21.99 % APR na this APR is subjected to change at any time after 6 months without any notification..mwananchi wa kawaida wa kitanzania ataelewa vipi?

Wananchi wengi hawaelewi lugha za mikataba...na ndio maana wenzetu wazungu kabla hawaja sign contract zozote lazima wawe na legal representation ili wasiingizwe mjini. Vitu vidogo tu kama ku sign divorce papers mtu anatafuta lawyer ili amsaidie ku translate.

Sisi kwa sababu ya kutokuwa makini wa mambo tuna sign tu mahali ambapo panatakiwa ku wekwa signature zetu. No wonder tunaingizwa mjini kwenye kila kitu mpaka mikataba ya kitaifa.
 
Hivi Kinyambiss kwa mfano, nikiandika kwenye mkataba wa mkopo kwamba interest payments ni subject ya account balance which is based on lets say 21.99 % APR na this APR is subjected to change at any time after 6 months without any notification..mwananchi wa kawaida wa kitanzania ataelewa vipi?

Wananchi wengi hawaelewi lugha za mikataba...na ndio maana wenzetu wazungu kabla hawaja sign contract zozote lazima wawe na legal representation ili wasiingizwe mjini. Vitu vidogo tu kama ku sign divorce papers mtu anatafuta lawyer ili amsaidie ku translate.

Sisi kwa sababu ya kutokuwa makini wa mambo tuna sign tu mahali ambapo panatakiwa ku wekwa signature zetu. No wonder tunaingizwa mjini kwenye kila kitu mpaka mikataba ya kitaifa.

I agree with u in principle and i know wananchi labda wanaonewa because of lack ok knowledge when it comes to contracts... I'm a commercial lawyer and i know tatizo ni nini.. I was researching a few months ago about establishing a microfinance instistution kama hiyo lakini i dont want to have such high rates.

It's against my personal faith and I think that wealth generation works best if you try and actually help people and get rich doing it sio kuwafanya wale masikini.. Mimi nnachosema nikwamba there should be regulations and as i understand it the BOT does most of this in the banking and microfinance sector, lakini interest rates ndio essence ya credit facility industry.. hauwezi kuicontrol kivile.

It may be wrong but to call it wizi au utapeli is over the top maana its not a accurate definition. Mimi ni mwanasheria, objectivety is my job.. lazima niseme ukweli.And its not just easy finance, PRIDE mbona hawasemwi.. kuna element ya uhater humu JF, well maybe its just reflecting the true nature yetu sis wabongo... majungu.
 
Hili ndio la ninajiuliza pia ingawa sijapata majibu ninahisi BoT wamelala au wanajikongoja. Huu sio muda wa kulala wala kujikongoja.

Hivi hakuna regulations kwa vyombo vya fedha nchini kwetu? What is BoT up to?

To suggest that its illegal without giving the relevant sections of the purported Act if at all it exists in the Tanzanian statute book, is pure speculation.. Its unfair but its not utapeli when u have all the information beforehand... JF haterism..
Of course Kinyambiss, it may looks that way!

Pitia tena post number 47, kwenye habari iliyoandikwa na Finnigan wa Simbeye.

Microfinance: BoT to crack down on 'loan shark' creditors

-Measures underway to keep 'easy finance' borrowers from being unfairly fleeced

Kuna mambo ya ajabu nchi hii ambayo mimi na wewe hatuyafahamu. Naamini utakuwa umesikia makelele yakipigwa kuhusu makampuni ya simu kama VODACOM kukwepa kodi au sio?

Wana habari wanatekeleza wajibu wao. Je, sisi wananchi tumefanikiwa kwa kiasi gani kuishinikiza serikali itekeleze wajibu wake? Au vichwani mwetu tunatarajia serikali itatenda?

Hata baada ya uozo uliodhihirika BOT, kweli mnatarajia itatenda (regulate)? Tumekuwa tukipewa ahadi kila kikicha. Nyingine hii hapa:
Mobile phone operators in Tanzania are among large taxpayers that have come under the spotlight as the Tanzania Revenue Authority moves to plug loopholes in the regulations in order to reduce the room for "tax planning."

Tax planning, or tax avoidance, is the term for manoeuvres to minimise tax liability that are legal under the Income Tax Act of 2004, whereby a firm deducts capital allowance from gross profit with the aim of attaining a taxable net profit, which is legally accepted.

...Now the TRA says it wants to embark on an exercise to determine whether large taxpayers in Tanzania, including mobile telephones companies, are planning tax to minimise their liability.
...."But as there is a problem with the income tax law, which provides for an avenue to minimise tax to be paid," he said, "TRA without discrimination or malice, under the law, is moving to check how the taxpayers have reached the figures of tax to be paid."

However, he said, since tax avoidance is legal, TRA is currently studying a prudent mechanism that would compel its taxpayers into paying a fair tax amount. "What is illegal is tax evasion, which we are increasing our capacity to fight," he added.

What made you people to think that like TRA, BOT is also "moving to check"? (Rejea post number 47)

Nisomapo habari kama hii, inanidhirihisishia kwamba mambo yako mrama tayari. Kwamba gundu lishashtukiwa ila kinachofuatia ni longo longo just to buy time ili watu wasahau. Wakipiga kelele sana, basi hatua ndo zitachukuliwa kuziba mianya.

Habari kamili
Cellphone firms under scrutiny over tax planning
By WILFRED EDWIN
THE EAST AFRICAN
Posted Sunday, September 28 2008 at 09:16
 
Duh, wabongo bana. Mmeambiwa muende kuchukua mikopo hapo EF?

What do you mean?. Tanzania is law governed country and whoever is running a business must be legally authorised.

Issue hapa si EF, issue ni system ambayo hailindi wananchi. Unataka kuniambia kuwa kuna wana wamehalishwa kufanya uhalifu? na hivyo wananchi wajiangalie wenyewe na wahalifu hawa?.

Kama hivyo basi hii itakuwa ni nchi ya 'LAW OF THE JUNGLE, STRUGGLE FOR EXISTENCE SURVIVAL FOR THE FITTEST'. Na hatutakiwi kuwa na serikali na mamlaka zake kama BOT etc.
 
What do you mean?. Tanzania is law governed country and whoever is running a business must be legally authorised.

Issue hapa si EF, issue ni system ambayo hailindi wananchi. Unataka kuniambia kuwa kuna wana wamehalishwa kufanya uhalifu? na hivyo wananchi wajiangalie wenyewe na wahalifu hawa?.

Kama hivyo basi hii itakuwa ni nchi ya 'LAW OF THE JUNGLE, STRUGGLE FOR EXISTENCE SURVIVAL FOR THE FITTEST'. Na hatutakiwi kuwa na serikali na mamlaka zake kama BOT etc.
Hapo ndipo huwa nawaza JF ingelipewa kiti katika ngazi zote za utawala yaani kuanzia mabaraza ya vijiji, kata, ubunge na hata wizara kama sehemu ya washauri. Tatizo ni jinsi gani itafanya kazi lakini hata Mwalimu aliwahi kusema kuwa 'hata rais asipokuwa Mkristo au Muislamu tutatafuta jinsi ya kumwapisha'. Kila kitu kipo hapa na kisichokuwepo kitakuja!
 
Bottom line is that Easy Finance has never to date forced anyone to take a loan with them, even though clients knew the terms and conditions, interest rates, security and procedures they still went for loans.

There are people who have borrowed and repaid from Easy finance at that time they had no other alternative; naturally as with any lending facilities there are also those who have defaulted and had their security liquidated.

There is always people who want quick and easy fixes in life Easy finance did not create this demand, it was there from the beginining... They saw a gap and they went for it!!! Blame capitalism not easy finance, you know wat they say right?

Dont hate the player hate the game.....
Well said!
 
in short easy finance ni micro credit / microfinance ambazo business modal zake ni kulenga watu wa kipato cha chini ambao hawana securities zinazokidhi vigezo na pia hawana business in place. hiyo ndio market segment yao. interest rate zao ni above 30% simply because their target market is too risk. the chances of default is too high.
 
Hustler has a more respectable tone to it, one can claim that that slick salesman trying to import coal to Newcastle, or Cloves into Zenj, is a hustler.

A true hustler (and I am not talking about drug dealers) will never take advantage of your weakness, he can create a false need for his product, but you will be coming to him on your own.

These guys sound like they are taking advantage of the economic hardship in bongo, there ough to be laws against such disreputable and utterly despicable outfits.

Vultures is more like it, not hustlers.
Where are you man? Long lost now
 
Hivi mliisha piga hesabu makampuni ya simu yanacharge % ngapi wakikukopesha ( Timiza na mpewa)? Au kwa sababu wanatoa hela kidogo kwenye tune ya 100,000 hata wakikuchaji sana hujali...
 
Bottom line is that Easy Finance has never to date forced anyone to take a loan with them, even though clients knew the terms and conditions, interest rates, security and procedures they still went for loans.

There are people who have borrowed and repaid from Easy finance at that time they had no other alternative; naturally as with any lending facilities there are also those who have defaulted and had their security liquidated.

There is always people who want quick and easy fixes in life Easy finance did not create this demand, it was there from the beginining... They saw a gap and they went for it!!! Blame capitalism not easy finance, you know wat they say right?

Dont hate the player hate the game.....

It's all because of inadequate regulation of businesses!

Predatory lenders and loan sharks do not force people to borrow, but they do engage in harmful, exploitative practices. In the developed world, stringent consumer financial protection laws do exist to protect consumers from these practices.
 
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