Easy Finance ni matapeli?

[CottonEyeJoe]

Mhhh.. hapa kuna jambo, Kwa hiyo ndiyo kusema hakuna ushaidi wowote wa utapeli wa Easy Finance, jamani hamna hata mtu mmoja kati ya waliolizwa walifika polisi na ku-reporti na kama hapana kwa nini walichagua kutotoa malalamiko katika viyombo usika kama wamedhurumiwa??? Je Easy finance walikiuka msharti yoyote ambayo yaliweka kwenye mikataba kati yao na wateja wao???

 

[Keil]

Nadhani tatizo la watanzania ni exposure. Pia huwa hatupendi paper work, mtu anaenda kuomba mkopo na anaambiwa kwamba within 30 minutes atapewa mamilioni anayoyahitaji. Baada ya hapo anapewa documents za kusaini ambapo hapati muda wa kutosha na kupitia vipengele vyote, sana sana tunategemea mwenye biashara ndiyo akupe details.

Hata kama atasema asome bado kuna termilogies nyingine ambazo ni za kisheria zaidi ambazo layman wa sheria anaweza kupigwa chenga. Hivi kweli kama una qualify kukopa milioni 5, unaweza kushindwa kuomba hayo makaratasi ukaenda kum-consult mwana sheria ukamlipa shilingi 50,000 ama laki moja ili akupe ushauri wa kisheria? Kipi bora, Upoteze hizo alfu 50 kwa kufunguliwa macho na hivyo kutoingia mkenge wa mkopo ama ukope milioni 5 na ujikute unalipa milioni 10 ama unapoteza collateral uliyowaachia hao wahuni?

Maelezo ya mfanya biashara hata siku moja hayawezi kukupa ubaya wa mkopo ama biashara yake. Siku zote atakupa uzuri na urahisi, na baada ya hapo anakukandamiza na mikaratasi ina pages 5 au zaidi, nawe bila kujiuliza unamwaga wino. Baada ya hapo huna ujanja maana hata ukienda mahakamani watasema kwani hukumwaga wino? Je, ulipomwaga wino hukusoma maelezo yaliyo kwenye makaratasi?

Tupunguze uvivu wa kumtegemea mwenye biashara akupe details na hata tunapoingia mikataba ya ajira ama chochote tusiwe wepesi wa kusaini na kama inawezekana tuombe ushauri wa wataalam wa sheria.

Kwa hiyo Easy Finance wanatumia huo uvivu wetu, imani yetu na uzembe wetu. Mpaka jamii ya watanzania ije kushituka watakuwa walishakomba hela za kutosha sana na walishatajirika.

 

[BAK]

Mkuu CottonEyeJoe,

Inaelekea huyu kagongwa vibaya sana! Hadi anashindwa kujieleza kama anavyoonesha hapa chini:



Can lazydog please make things clear? We Dare To Talk Openly, haijalishi itawakera basi ukweli walau ujulikane mkuu. Pls lazydog

Kama kagongwa kajitakia mwenyewe. Mimi kuna bank kubwa inanipigia simu karibu mwezi wa pili sasa wakitaka kunipa credit card yenye $25,000 kwa riba ya 15% nimekataa, nimewaambia wakishusha na kunipa 6% bila annual fees nitaichukua, lakini bado wananifukuzia tu. Na mimi sina haja ya kulanguliwa. Sasa nikikubali kuchukua hiyo CC kwa riba hiyo ya 15% halafu nikadai kwamba jamaa ni matapeli huo utakuwa ni uhayawani. Buyer Beware!!!

 

[Keil]

Mhhh.. hapa kuna jambo, Kwa hiyo ndiyo kusema hakuna ushaidi wowote wa utapeli wa Easy Finance, jamani hamna hata mtu mmoja kati ya waliolizwa walifika polisi na ku-reporti na kama hapana kwa nini walichagua kutotoa malalamiko katika vyombo husika kama wamedhurumiwa??? Je Easy finance walikiuka msharti yoyote ambayo yaliweka kwenye mikataba kati yao na wateja wao???

Kuna kesi moja iko mahakamani, sijafuatilia kujua iliishia wapi lakini nilisoma kwenye magazeti.

Hivi unategemea mtu/kampuni inayoandaa mkataba iweke vipengele ambavyo vinaibana iwapo itavunja masharti? Mteja anapokwenda kukopa anakuta tayari kuna mkataba ambao anatakiwa kuusaini. Muhimu ni mteja kuusoma kwa makini na kama anaweza apate ushauri ili kuepuka hasara.

 

[CottonEyeJoe]

wanaolizwa easy finance ni wazembe tu, maanake kama mtu unatia saini bila kujua repayment plan ya mkopo wako basi we ni mzembe na hutakiwi kusogelea karibu ya idara yoyote ya mkopo, vile vile kama wewe umekopa million 5 na unajua kwamba lazima ulipe million 10 ambazo hauna uwezo wakuzilipa basi na wewe vile vile ni mzembe na hautakiwi kushangaa kwanini umelizwaa....

 

[Malila]

hizi taasisi hazikuja bongo kucheza,zimekuja kuchuma basi si zaidi ya hapo.Jina la Easy lisikudanganye Mtz.

 

[LazyDog]

Ukisikia mwenzio amelizwa usiharakishe kufanya conclusion ukisema huyu ni mzembe tu, ukaacha kuangalia upande wa mhusika wa pili.

Nataka kusema kwamba, tutakuwa tunafanya makosa kudhani kwamba kwa kuwa organisation fulani inafanya biashara kwenye ardhi yetu basi moja kwa moja hawa jamaa ni legit na wanafuata ethics za biashara wanayodai kuiendesha. Kinachoshtua na ambacho sikutegemea, mawaziri na wakuu wengine serikalini wanahongwa (imetokea Asia). Biashara nyingine zinatumia mwanya kushamiri kwenye nchi zinazozubaa kurekebisha sheria zake.

Miaka kadhaa nyuma nilisoma magazeti yakitahadharisha kuhusu Loan sharks. Wakati huo waliokuwa wakilizwa walikuwa ni waganda.
Kuna thread humu inawahusu Easy Finance.

Ni uzalendo kuelimisha umma. Haya mambo ya utandawizi siku hizi, ni vyema tukasaidiana tuwagutukie criminals waliovaa suti. Internet imeturahisishia kazi kufuatilia yanayotokea nchi nyingine, kujua kipi ni cha kutilia mashaka. Umeshawahi kusikia kuhusu illegal MLM?

Wameshaliza watu nchi nyingi tu na wamekuwepo Tanzania hata kabla ya 2005; ila baadae kidogo ndio watu watagutuka. Miezi minne iliyopita wamekuwa kwenye kashkash mbali mbali na Interpol. Na sasa wanafanya purukushani huko Asia hususani India.

Watu wataanza kulalama kwamba navuruga business za watu, kwa hiyo sitawataja hapa, hata hivyo sio muhimu sana kwani zaidi ya asilima 30 ya wakazi wa jijini wanaifahamu biashara hii.



Illegal pyramid or Ponzi schemes.

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



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

FINNIGAN WA SIMBEYE
Dar es Salaam

EXPLOITATIVE money lending and loan shark operators could be in for a tough time from next year when the Bank of Tanzania (BoT) starts implementing new regulations aimed at keeping in check the mushrooming micro-finance credit institutions in the country, it has been revealed.

BoT Governor Prof. Benno Ndulu told THISDAY in an exclusive interview this week, that the bank is currently awaiting the regulations to be put in place, in order to enable a regulatory mechanism to start supervising the activities of non-banking microfinance institutions.

His statement comes in the wake of growing public complaints over a number of local micro-finance companies offering so-called 'easy finance' loan deals at interest rates and loan processing fees that are said to have been excessively hiked.

It is alleged that some of these companies and other 'rogue' lenders tend to prey on lower-rank civil servants and small-scale private businessmen/women, who apparently have difficulties accessing loans from established banks.

Apart from charging the high interest rates and fees for loan processing, the same companies are further alleged to be auctioning motor vehicles and other assets belonging to defaulting borrowers without notice when they fail to meet a single repayment schedule.

According to Prof. Ndulu, the central bank presently does not regulate the bulk of micro-finance institutions that are not part of the licensed commercial banks set-up in the country.

''We hope to introduce a mechanism to regulate these enterprises from next year, after the necessary regulations have been put in place,'' the governor told THISDAY.

A number of Dar es Salaam residents who profess to have fallen victim to alleged loan shark activities by microfinance companies say the government should intervene and investigate these firms.

''Many of these companies offering so-called easy finance are simply pure criminals,'' said Mohamed Abdallah of Sinza suburb in the city.

A survey by THISDAY has shown that both licensed and unlicensed money lending firms with low-income households forming their main clientele tend to charge exorbitant interest rates - some as high as 200 per cent of the principal amount.

Borrowers end up paying dearly with high annual percentage rates (APRs) of interest, leaving some with very little idea of how much money they owe at a given time.

However, financial experts say the proposed new regulations should help bring such loan shark operations under control.

The 2003 Financial Laws (Miscellaneous Amendment) Act, enacted by Parliament in February and accented by the president in April, mainstreams micro-finance in the country's financial system by incorporating amendments of the Bank of Tanzania Act of 1995, the Banking and Financial Institutions Act of 1991, and Cooperatives Societies Act 1991.

Some years later, however, all four Acts were repealed and replaced with the new Bank of Tanzania Act 2006, Banking and Financial Institutions Act 2006, and Cooperative Societies Act 2003.

The Mbozi East Member of Parliament on a CCM ticket, Godfrey Zambi, recently made a call in Parliament for the government to look into complaints by teachers especially that they were being taken for a ride by micro-finance lending firms like Bayport Financial Services Limited.

Contributing to the debate on the 2008/09 budget proposals of the Ministry of Education and Vocational Training, the MP accused Bayport of lending money to teachers and other civil servants ''at exorbitant interest rates that surpass those of the commercial banks.''

He said this firm was responsible for turning hundreds of civil servants into paupers by overcharging them through this manner and other hidden costs.

Zambi's sentiments were echoed by Tanzania Teachers Union (TTU) President Gratian Mukoba, who accused the government of being an accomplice to the practices of companies like Bayport ''by remaining silent.''

Teachers are understood to be the single biggest group of microfinance company borrowers from within the civil service.

Speaking in a later interview with THISDAY, Bayport's Chief Executive Officer, Etienne Coetzer, explained that the company charges 10 per cent interest rate to those who borrow money to be repaid within a month, but ''for those who acquire big amounts of money repayable in 36 months, we normally charge them between three to 5.5 per cent.''

He also said the company has official backing letters from State House allowing it to solicit civil servants for loans.

THISDAY's survey also established that commercial banks tend to charge around 20 per cent interest on savings account loans plus other processing fees, while non-bank financial institutions charge between 30-50 per cent interest.

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



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[LazyDog]

Kuna moderator ame-edit post yangu?

Haikuwa lengo langu kuweka article nzima ya thisday, nilitaka watu waifuate huko huko. I don't mind, it may stay that way. But would you please PM me?



.

 

[Yona F. Maro]

Lasydog hiyo ndio democrasia , ukiweka link unatangaza mengine na hiyo haitakiwi

 

[LazyDog]

Lasydog hiyo ndio democrasia , ukiweka link unatangaza mengine na hiyo haitakiwi

Sijakuelewa vizuri. Ungetaka article nzima ya thisday ionekane hapa au link peke yake? Vyovyote vile moderator atavyoelekeza mimi nitafanya, hilo halina tatizo.


Kuna feature ya forum ambayo ni automatic, inaweka maelezo pale unapo-paste link. Nikahisi pengine kilichotokea hapo juu pia ndio moja ya hizo automatic "thing".

Imebidi niulize, na kuna recommendation ningependa kutoa, ndo maana nikamwomba ani PM.

Kuna uwezekano pia kwamba I'm going crazy, seeing things I did myself but not knowing that. 🙂

 

[Invisible]

But would you please PM me?

PM sent, and Am sorry for offending you. But next time pls put the news and the link not links only.

Am sorry

 

[LazyDog]

Bila samahani, na wala sio kwamba nili-mind 🙂
Nilikuwa na maswali mengi kichwani.

Actually, ulichopendekeza ndivyo ambavyo ningependelea ku-post. Ila sikuwa na hakika kama ni acceptable.


Thanks


.

 

[WomanOfSubstance]

Ukisikia mwenzio amelizwa usiharakishe kufanya conclusion ukisema huyu ni mzembe tu, ukaacha kuangalia upande wa mhusika wa pili.

Nataka kusema kwamba, tutakuwa tunafanya makosa kudhani kwamba kwa kuwa organisation fulani inafanya biashara kwenye ardhi yetu basi moja kwa moja hawa jamaa ni legit na wanafuata ethics za biashara wanayodai kuiendesha. Kinachoshtua na ambacho sikutegemea, mawaziri na wakuu wengine serikalini wanahongwa (imetokea Asia). Biashara nyingine zinatumia mwanya kushamiri kwenye nchi zinazozubaa kurekebisha sheria zake.

Miaka kadhaa nyuma nilisoma magazeti yakitahadharisha kuhusu Loan sharks. Wakati huo waliokuwa wakilizwa walikuwa ni waganda.
Kuna thread humu inawahusu Easy Finance.

Ni uzalendo kuelimisha umma. Haya mambo ya utandawizi siku hizi, ni vyema tukasaidiana tuwagutukie criminals waliovaa suti. Internet imeturahisishia kazi kufuatilia yanayotokea nchi nyingine, kujua kipi ni cha kutilia mashaka. Umeshawahi kusikia kuhusu illegal MLM?

Wameshaliza watu nchi nyingi tu na wamekuwepo Tanzania hata kabla ya 2005; ila baadae kidogo ndio watu watagutuka. Miezi minne iliyopita wamekuwa kwenye kashkash mbali mbali na Interpol. Na sasa wanafanya purukushani huko Asia hususani India.

Watu wataanza kulalama kwamba navuruga business za watu, kwa hiyo sitawataja hapa, hata hivyo sio muhimu sana kwani zaidi ya asilima 30 ya wakazi wa jijini wanaifahamu biashara hii.



Illegal pyramid or Ponzi schemes.

​

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



.

kWA DUNIA YA SASA ANAYETAPELIWA ni kuwa aidha haulizi ushauri wa kitaalamu, au hasomi magazeti au kusikiliza radio au hashiriki mazungumzo ya maana ya kujielimisha kujua nini kinaendelea.Loan sharks si kitu kipya, kadhalika pyramid schemes - walianza SP in the 1990 watu walitapeliwa wakadanganywa na wahusika wakakamatwa na kushtakiwa..sijui ile kesi iliishia wapi.zikaja schemes nyingine mpaka ile ya wake wa vigogo - Women empowerment sijui nini.. kesi iko mahakamani. Watu hawajifunzi tu... hata leo hii im sure mtu akija na scheme ya ajabu ajabu watu wataingia kichwa kichwa! Hili la easy finance na zingine , kama walivyochangia wengine, kila anayeanzisha kitu chake ana motive yake, na ni juu yetu kujiridhisha na kuona kuwa tunakubaliana nae au la.Ukiwa hukubaliani, usiingie kwenye scheme..usikope! Ukikopa ikaja kuwa chungu basi usilalame na kufanya kilio chako kuwa ni cha kila mtu.... hakuna mfanyabiashara asiyetaka faida..kuna suala la ethics lakini ni wangapi wanaangalia hilo?Kuna pia benki nasikia zinatoa mikopo bila riba kwa vile imani zao zinakataza. Nadhani ziwe promoted zijulikane ili kuwaokoa watu wasibamizwe na riba.

 

[Zanaki]

Kwa watu mnaokaa Ulaya au America labda sio rahisi kuelewa maana ya kukwama! Kuna mtu hapa kasema kuwa kuna benki inamfuata kwa ajili ya kumpa cr card worth $25,000.Huko nje kupata mikopo midogo,au kutokuwa na pesa mfukoni au benki haina maana kuwa hutakula.Sio bongo.Hapa ni lazima uwe na cash,hata kama una card ni lazima uwe na pesa benki.Sasa mtu kwenda Easy Finance,ni shida kubwa sana ndio inampeleka huko,maana kakosa kwingine kote...mara nyingi.Ndio ile ya msemo,bomoa mengine tutajua mbele ya safari.Watu wanakopa pesa Easy Finance kwa ajili ya fees,biashara,rent and so forth! Hii ni nchi maskini kama watu wake.Watu wanapoteza nyumba za 100s of millions of shillings kwa sababu ya kama shs milioni 20 au 30.Kwa hio kwanza ni vizuri tukajua chanzo chenyewe cha watu kwenda Easy Finance kabla ya kuwatuhumu hao Easy Finance na wanaokopa

 

[FairPlayer]

Zanaki,

Ukikwama njoo nione. Easy finance wanachofanya ni halali. Ni jukumu la mteja kwenda au kutokwenda! PERIOD.

FP

 

[LazyDog]

kWA DUNIA YA SASA ANAYETAPELIWA ni kuwa aidha haulizi ushauri wa kitaalamu, au hasomi magazeti au kusikiliza radio au hashiriki mazungumzo ya maana ya kujielimisha kujua nini kinaendelea.Loan sharks si kitu kipya, kadhalika pyramid schemes - walianza SP in the 1990 watu walitapeliwa wakadanganywa na wahusika wakakamatwa na kushtakiwa..sijui ile kesi iliishia wapi.zikaja schemes nyingine mpaka ile ya wake wa vigogo - Women empowerment sijui nini.. kesi iko mahakamani. Watu hawajifunzi tu... hata leo hii im sure mtu akija na scheme ya ajabu ajabu watu wataingia kichwa kichwa! Hili la easy finance na zingine , kama walivyochangia wengine, kila anayeanzisha kitu chake ana motive yake, na ni juu yetu kujiridhisha na kuona kuwa tunakubaliana nae au la.Ukiwa hukubaliani, usiingie kwenye scheme..usikope! Ukikopa ikaja kuwa chungu basi usilalame na kufanya kilio chako kuwa ni cha kila mtu.... hakuna mfanyabiashara asiyetaka faida..kuna suala la ethics lakini ni wangapi wanaangalia hilo?Kuna pia benki nasikia zinatoa mikopo bila riba kwa vile imani zao zinakataza. Nadhani ziwe promoted zijulikane ili kuwaokoa watu wasibamizwe na riba.

Loan sharks is no longer on my list of worries, naona serikali inaliwekea mkakati. Shughuli iko kwenye fedha inayokwapuliwa kwenda nje ya nchi.

Nimesoma post yako mara kadhaa, nimegundua tunatofautiana kidogo sana.
Hata hivyo, ni vyema tukaangalia si kwa mtazamo wa "hilo ni tatizo lisilonihusu". Ukisoma hii article utaelewa kwa nini (it is a bit off-topic though):

Albania under the Shadow of the Pyramids

by Carlos Elbirt - head of the World Bank's Resident Office in Tirana, Albania.

...In the last quarter of 1996 interest rates paid for by the pyramid schemes started to spike rapidly-30 percent, then 40 percent, and even 50 percent per month. The annual inflation rate was still below 20 percent. It was clear that collapse was imminent. Finally, in early 1997 all but four of the pyramids admitted insolvency. People blamed the government, and the pyramids' final collapse provoked an antigovernment uprising and widespread civil disorder in February and March. That eventually brought down the president and the government.

Why did people blame the government? The government did not ask or advise the public to invest in the pyramids. But it tolerated, and even legitimized, these activities, according to critics. True, the finance minister issued a formal, timid warning about the risks of investing in the pyramids (in retrospect, it looks as if the warning was aimed more at satisfying the IMF and the World Bank, than at actually stoping the pyramids). But the public could not believe that a scheme involving every other Albanian family would not be guaranteed by the government. Moreover, pyramid managers were seen at official receptions, and they were interviewed daily by the government-controlled television stations. Their association with the Democratic Party of President Berisha was obvious (and later acknowledged). Many protesters even claimed that the pyramids were the creation of the government, or more precisely, of the president. But the pyramids also reached other parties and other interest groups. After all, was their goal to gradually grind up everybody...

.

 

[WomanOfSubstance]

​

Loan sharks is no longer on my list of worries, naona serikali inaliwekea mkakati. Shughuli iko kwenye fedha inakwenda nje ya nchi.

Nimesoma post yako mara kadhaa, nimegundua tunatofautiana kidogo sana.
Hata hivyo, ni vyema tukaangalia si kwa mtazamo wa "hilo ni tatizo lisilonihusu". Ukisoma hii article utaelewa kwa nini (it is a bit off-topic though):

​

.

I hear you buddy
Thanks

 

[Zanaki]

Zanaki,

Ukikwama njoo nione. Easy finance wanachofanya ni halali. Ni jukumu la mteja kwenda au kutokwenda! PERIOD.

FP

Yours shud be Easier Finance then heheheheheh! Ahsante mkuu

 

[BAK]

Pamoja na kuwa na shida lazima watu wawe makini wajue wanapoamua kuchukua mkopo una masharti gani na kama wataweza kuyamiliki masharti hayo, vinginevyo EF hawakuwekei bunduki kichwani unaweza kujiondokea bila hata senti tano ili wasikutapeli. Lakini kuchukua mkopo halafu unaanza kulalama eti umetapeliwa huo ni uhayawani. Ni lazima tujifunze kuishi within our means.

 

[Quemu]

Pamoja na kuwa na shida lazima watu wawe makini wajue wanapoamua kuchukua mkopo una masharti gani na kama wataweza kuyamiliki masharti hayo, vinginevyo EF hawakuwekei bunduki kichwani unaweza kujiondokea bila hata senti tano ili wasikutapeli. Lakini kuchukua mkopo halafu unaanza kulalama eti umetapeliwa huo ni uhayawani. Ni lazima tujifunze kuishi within our means.

Aisee bana mi bado naiwazia ile $25,000 credit card. Yaani kama najiona nime mjoin brazameni huko Brazil....lol

Back to the topic.....
Mimi nafikiri lawama kubwa zinapaswa kutupia serikali. Serikali inatakiwa iweke regulations ambazo zitakuwa fair to both parts.

Hatuwezi kuwalaumu Easy Finance, kwa sababu wako pale for profit. Kwa hiyo as long as hawaendeshi biashara yao kinyume cha sheria, hawastahili lawama yoyote.

Pia, hatuwezi kuwalaumu wateja. Kama inavyojulikana, wateja wanaenda kwenye finance companies kama Easy Finance kwa sababu ya desparations. Na mtu yoyote aliyekuwa desparate hatengi muda wa kuangalia risk zilizozunguka kwa undani zaidi. Sote twajua hilo.

Kwa hiyo ni serikali ndio inatakiwa i-regulate biashara kama hizi....