kwa uhakika zaidi soma mwananchi.vyeti vya shule.hi suala kingwagala alishapeleka hoja binafsi bungen akaharibu mwnywe.
Mwaka 2011 au 2012 niliandika makala humu jamvini na kuzishauri commercial banks ziache kujikita kwenye traditional collateral peke yake na waangalie possibility ya kutumia University Certificates kama collateral! Aidha, nilizitahadharisha commercial banks wasipobadilika soko lao litaathiriwa sana na mobile money(like M-Pesa)! Watu walikejeli hoja yangu hiyo lakin nadhan CRDB wameona potential yake!
Vyeti gani mbona hujafafanua? Vya dini kama UKWATA na TYSS, Primary, vya degree?
Hivi sheria inaruhusu cheti kiwe converyed to money???? Hv akishindwa kulipa cheti kitafanywaje