omarilyas
JF-Expert Member
- Jan 24, 2007
- 2,130
- 145
Sasa unadhani wajanja wanadhulumiana. Inawezekana unaowasema hapo ni watoto wa mjini wenzao ama wajasiri wa mali wa CCM ambao inabidi waheshimiane.
Tanzanianjema
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.
Njia pekee ya kukwepa mfumuko wa bei na mikopo yenye interest rate ya juu ni kuziba mianya ya wezi na ufisad
na kuachia soko huria lifanye kazi na kuleta ushindani, rate zitashuka na mashariti yatakuwa nafuu.
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.
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.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..
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..
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?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.
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?
Of course Kinyambiss, it may looks that way!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..
Microfinance: BoT to crack down on 'loan shark' creditors
-Measures underway to keep 'easy finance' borrowers from being unfairly fleeced
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.
Duh, wabongo bana. Mmeambiwa muende kuchukua mikopo hapo EF?
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!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.
Well said!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.....
Where are you man? Long lost nowHustler 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.
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.....