Nasikia huyu Kassanga na mwenzie Gonzaga tayari "wako sehemu salama"
Sielewikwaninimnamkomalia kero aseme ukweli yeyekaamua kuwaonya asietaka aachekama yeye alikereka asisema jamani?mbona kuna ambao wamefaidika pia so ana hakimya kuwaalart kutokana na experience yake hutaki acha.Kwanina wewe si utaenda utapewa hizo terms and condition its up toyou to take it or leave it but lukily you have precaution.Nakuunga mkono kabisa Invisible.
Kwa kuangalia mabandiko ya hivi karibuni, kuna shutuma kadhaa zinarushwa kwa watu/taasisi bila takwimu zozote na hii inafanya JF ionekane kama mahali pa kutolea hasira kwa wale wenye chuki binafsi.Hii imepelekea kuwepo na mabishano makali baina ya wana JF hadi kuleta kero wakati mwingine.Slowly credibility ya hii forum itaanza kutiliwa mashaka.
Inabidi turekebishe hii hali.
Ndugu nafikiri huku kila mtu ana uhuru wakuongea anavyoperceive kitu so sioni kosa la huyo kero nshasema kilakitu kina negative na positive kwa kila mtu sousilazimishe aichukulie wewe unavoichukulia tena ni bora aseme vibaya ichunguzwe kulikokupakana mafutakwa mgongo wa chupa.kwani wakiwa wazuri kuna shida gani pia so sion haja ya kupanic.Nakuunga mkono kabisa Invisible.
Kwa kuangalia mabandiko ya hivi karibuni, kuna shutuma kadhaa zinarushwa kwa watu/taasisi bila takwimu zozote na hii inafanya JF ionekane kama mahali pa kutolea hasira kwa wale wenye chuki binafsi.Hii imepelekea kuwepo na mabishano makali baina ya wana JF hadi kuleta kero wakati mwingine.Slowly credibility ya hii forum itaanza kutiliwa mashaka.
Inabidi turekebishe hii hali.
Aisee! Hatimae leo wamepandishwa kizimbani. Baada ya kuwaibia sana raia wakawaida wakaona haitoshi wakaanza kuiibia na serikali.Hawa jamaa, wangekuwa nchi za kiarabu wangekuwa washanyongwa, walio jaribu wote watakuwa na maelezo mazuri, sio watu hata kidogo, ni majambazi walio jihalalisha, ipo siku itatokea, jaribu kwani asie sikia la mkuu huvunjika guu.
Ni wapigaji wa watanzania wenzao. Wanasaidia kuendeleza umasikini miongoni wa watu, fikra zao za udanganyifu zimezidi mawazo ya watu wasio na hatia wenye nia ya kujiendeleza.
Kuendelea na biashara ya wizi kama wanayoifanya nafikiri kutakuwa na nguvu zagiza wanatumia kuificha serikali.
Epukeni na hili jambazi, walio jaribu na wakakaa kimya pengine wengi wao watakuwa wamejinyonga.
Bora mafisadi wa EPA mia mbili kuliko hili moja.
Jambazi hili jamani msijaribu!
I really don't agree with your arguments based on the following reasons.Unajua tangu banking sector ya Tanzania imekua liberalized kumekua na uhuru mkubwa wa financial service providers, BOT wameamua kudeal na mambo ya regulation and policy na sio kuingilia mambo ya demand and supply. What that means is that if you see a gap in the market then you are allowed to pursue it and attatch watever conditions within the boundaries of the regulatory framework. Obviously the forces of demand and supply clearly show that their is a demand for Easy finance type of business and the supply is scarce, so why is anybody angry at them for offering the service.
Bottomline is this; people who go to easy finance are people who have been turned away from banks. Ask yourself why have they been turned away from the bank, why else would they agree to conditions that are less favourable then banks???? Furthermore if they have been turned away from banks or banks have not honoured their loan requests (Rejection), this means that these individuals are of a higher risk category, Since Easy finance is risking more by lending to them why should they want the same returns as banks whilst their money is more at risk. High Risk High return thats how the game goes.
And dont think for a minute that easy finance is enjoying selling ppls houses and cars, that is a burden and just deviates their resources from their core business, which is providing easy finance to individuals who have been deemed as risky by the formal banking sector...
Lastly not knowing about finance is not an excuse, if you dont understand terms and conditions of financial services agreement my advice is stay the hell away from them including formal banking sector.
It is true Easy finance is taking advantage of the market, lakini that is the basis of capitalism, tukitaka mengine turudie kwenye ujamaa....
Aisee! Hatimae leo wamepandishwa kizimbani. Baada ya kuwaibia sana raia wakawaida wakaona haitoshi wakaanza kuiibia na serikali.
Midas Touch, nadhani hapo unamaanisha Isaac Kisanga, na siyo Kasanga.
Huyu kijana alikuwa Standard Chartered Bank na akina Herry Bomani, Mungai mdogo, na kijana mwingine wa Tanga jina simkumbuki. Walikuwa kitengo cha kutoa mikopo midogo midogo kwa wafanyakazi, wakulima na wafanyabiashara wadogo. Kitengo hicho, by the time hao wanne wanaondoka, kilikuwa kimepata hasara TShs 800 million kwa mikopo isiyolipika. Haina maana kuwa hizo ni hela zilienda mifukoni mwao, lakini ina maana kuwa hizo ni hela ambazo Standard Bank hawakuzipata back na hawajui nani ana hiyo mikopo.
Bomani na Kisanga they are doing very good since then, na hali zao ki-uchumi siyo mbaya kabisa. Kisanga ndiyo akaanzisha Easy Finance kwa kutumia model ile ile ya Standard Chartered Bank, ila target yake ni watu ambao wako desperate kutaka mikopo. Anaweza kukupa mkopo wo wote na wengi tu wameingia mkenge na kupoteza mali haswa magari.
Kama Pundit alivyosema, hawa ni Loan Sharks per se.
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.
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...
Nenda. Mahakamani ukawatetee wezi wenzako,ccmwahedHao raia wamewaibiaje?