Elimu ya mikopo katika taasisi za kifedha Tanzania

NGULI

JF-Expert Member
Mar 31, 2008
4,808
1,225
Katika utafiti uliofanyika unaonyesha katika population ya Tanzania only 10% ndio ina tumia huduma za kibenki. Hata hivyo asilimia hiyo kiduchu haijui au haina Elimu ya mikopo inayotakiwa.

Kwa mfano, Interest rates charged, Mortgage(movable and unmovable),sifa za kupata mkopo, incase of default haki ya kudai restructuring na hata grace period ili ku recover na sio bank/taasisi ya fedha kukimbilia kuuza mali za mteja ambazo ziliwekwa kama thamani/security/collateral.

Incase of death namna ya mkopo kulipika hata kama ulikuwa mkubwa kiasi gani.

Kwa muktasari tu nimegusia maeneo machache katika nyanja ya mikopo ambayo watu wengi hasa wajasiriamali yana watatiza.

Kama kuna mtu ana swali lolote kuhusu mikopo aina yoyote, i.e

1. Retail category, personal (express loans), busness loans from TZS 1m-50m. SME inaweza range from TZS 50m-499m.

2. Corporate Credit Loans with whatever range.
 

Deodat

JF-Expert Member
Sep 18, 2008
1,277
1,225
Kwa mfano, Interest rates charged, Mortgage(movable and unmovable),sifa za kupata mkopo, incase of default haki ya kudai restructuring na hata grace period ili ku recover na sio bank/taasisi ya fedha kukimbilia kuuza mali za mteja ambazo ziliwekwa kama thamani/security/collateral.

Incase of death namna ya mkopo kulipika hata kama ulikuwa mkubwa kiasi gani.


Thank you for this useful post. Mie nina swali, hizo items ulizotolea mfano hapo juu, kwa benki za bongo,
huwa negotiated kati ya benki na mteja au benki ina-detect hizo terms through a standard contract?.
 

minye

Member
Nov 5, 2010
9
0
Nguli.................Hata hivyo asilimia hiyo kiduchu haijui au haina Elimu ya mikopo inayotakiwa. Kwa mfano said:
Napata ugumu kidogo. Unaposema kama mtu ana swali.....................!! unamaanisha unatoa elimu ya mikopo au unatoa mikopo?
 

NGULI

JF-Expert Member
Mar 31, 2008
4,808
1,225
Thank you for this useful post. Mie nina swali, hizo items ulizotolea mfano hapo juu, kwa benki za bongo,
huwa negotiated kati ya benki na mteja au benki ina-detect hizo terms through a standard contract?.

Nagotiated ila inategemea na amount ya mkopo utakayochukua na in what currency. USD inakuwa chini(7-9) na TZS juu kuanzia 14-26.

Napata ugumu kidogo. Unaposema kama mtu ana swali.....................!! unamaanisha unatoa elimu ya mikopo au unatoa mikopo?

Elimu

Naomba contact yako niwasiliane nawe moja kwa moja.

Nimekutumia tayari
 

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