Hali Mbaya ya Mabenki: Mabenki sasa yawataka wenye viwanda kupunguza maombi ya mikopo


Polycarp Isaya Urio

Polycarp Isaya Urio

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Polycarp Isaya Urio

Polycarp Isaya Urio

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Faced with dwindling liquidity levels, commercial banks have asked manufacturers to reduce their loan requirements and align their operations with the prevailing conditions, The Citizen has learnt.

Members of the Confederation of Tanzania Industries (CTI) have been duly notified of commercial banks’ appeal to them to reduce their loan applications as the latter are facing liquidity challenges that make it difficult for the sector to satisfy manufacturers’ requirements.

“I don’t have the actual number of commercial banks that have pleaded with our members directly or with us as manufacturers’ apex body, but I can tell you is that they (commercial banks) have written to us about the situation and the need for our members to reduce the amount of loans they seek,” CTI chairman Samuel Nyantahe told The Citizen by telephone yesterday.

CTI vice chairman Jayesh Shah echoed similar sentiments.

Speaking to The Citizen by telephone from Nairobi, Mr Shah said on Tuesday that some commercial banks that face liquidity challenges have asked CTI members to reduce the size of credit they usually ask for.

CTI has about 450 members countrywide who engage in different manufacturing activities.

“Of course, I know that some banks are having liquidity challenges and they have asked us to reduce the amount of loans that we ask from them so they can be able to align their operations to the new realties,” Mr Shah told The Citizen.

With reduced credit, manufacturers are now being forced to either reduce production levels or find alternative sources of financing their operations, thus jeopardising implementation of the country’s industrialisation drive as envisioned in the Tanzania Second Five Year Development Plan (FYDP II).

This comes at a time when the Bank of Tanzania (BoT) is convening a two-day Conference of Financial Institutions starting today to discuss the financial sector and the economy as a whole.

Basically, the 36-year-old Conference of Financial Institutions is held biennially nut this year’s event comes at a time when BoT’s own reports that commercial banks’ credit to the private sector rose by a minimal Sh1.744 trillion during the year ending September 2016, lower that an increase of Sh2.936 trillion that was registered during the year ending September 2015.

The BoT’s Monthly Economic Review for October 2016 indicate that commercial banks’ credit to the manufacturing sector – which is at the epicentre of the industrialisation drive as envisioned in the FYDP II – is one of the few sectors that have been highly affected by commercial banks’ ‘wait-and-see lending approach’ as they (banks) seek to align their operations with the prevailing economic situation amid a tight liquidity stance.

The sector - which is only second to tourism in terms of contribution to Tanzania’s foreign exchange earnings – saw the rate of growth of credit to it going down to -7.9 per cent from 20.7 per cent that was recorded during the year ending September 2015.

Similarly, the rate of credit growth to Agriculture – which employs the highest number of Tanzania’s working age population – also fell to -8.7 per cent from 15.4 per cent that was recorded during the preceding year.

Tanzania seeks to become a middle income country by the year 2025, banking the hopes on industrialisation to be driven by the FYDP II which is to be implemented between financial years 2016/2017 to 2020/2021. The FYDP II requires a total of Sh107 trillion out of which the government will be required to collect Sh59 trillion, signalling that the remaining amount will have to come from the private sector and development partners.

Against this background, BoT said in a statement on Monday that its two-day Conference of Financial Institutions which starts in Arusha today will be graced by the Finance and Planning Minister, Dr Philip Mpango.

“The Conference of Financial Institutions is a forum created in 1980 under the auspices of the Bank of Tanzania for exchanging views and experiences on issues pertaining to the financial sector and the economy in general. The Conference is held biennially and brings together heads of financial institutions and other stakeholders,” reads the statement from the BoT’s Public Relations and Protocol Department.

Under the theme Harnessing Tanzania’s Geographical Advantage: The Role of the Financial Sector, BoT and heads of financial institutions will discuss eight topics including the challenges of Industrialisation in Tanzania and the pursuit of a manufacturing-based export-Led growth in the country. Other topic, lined up for deliberations include: Financial Development in Tanzania against the Challenges for Industrial Development and Job Creation; The Challenges of Industrialisation in Tanzania: A Comparative Perspective and the on Leveraging Transit Trade for Tanzania. Participants will also deliberate on the Accelerating Corridor Development for Rapid Economic Growth; Extending Tanzania’s Financial Frontiers: The Role of Technology and Extending Tanzania’s Financial Frontiers: Experience, Lessons and Way Forward.

Apart from a decision by the government to transfer up to Sh600 billion - held in commercial banks by ministries, public corporations and local government authorities – to the BoT thereby adversely affecting the liquidity positions, the level of loan defaults is also high in the market, forcing financial institutions to devise their business strategies.

Chanzo:The citizen

Kama mtu alijua anakomoa mabenki,basi ajue alikuwa anajihujumu mwenyewe na sera zake na ajiandae kupokea matokeo yake.
Kwani benki haziwezi kwenda kukopa BoT na kuwakopesha wazalishaji wahitajio mikopo?
 
P

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shida sio serikali kuweka pesa zake, shida ni kwamba hela zimetoka kwenye mzunguko kwa kuzitoa pesa kwenye mabenki na kuzifungia BOT bila hata BOT yenyewe kuendeleza ukopaji kwenye sector za kibenk kama nchi zingine zinavyofanya na kuziamuru benk zilipe VAT na kodi zingine. hii ina hasara kubwa sana karibu kwa kila sector hapa nchini.
 
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Tumieni Akili basi,

Kwani Bank zilianzishwa ili zitegemee pesa za Serikali kufanyia shughuli zake?

Yaan uanzishe Bank yako halafu utegemee Taasisi za Serikali zi-deposit fedha zake kwenye account ya Bank yako halafu wewe uzitumie hizo hizo pesa kukopesha hata serikali yenyewe! hii haikubaliki.

Bank zijifunze baada ya huu mpito kupita, wasiwe wanategemea kufanya biashara kwa fedha za serikali...
Kuna kiwango cha pesa za kuanzisha Bank, na kiwango cha pesa za kuweka kama dhamana katika Bank kuu ili kulinda amana za wateja, sasa kwa nini Bank ziyumbe? hii ina maana kuwa Bank zilikopesha sana makampuni na taasisi mbalimbali na viwanda mpaka ile mitaji yao ikapungua to the maximum na madeni walikuwa hawakusanyi kabisa, sasa JPM kawabana.
Mkuu umeongea facts, watanzania ni watu wa kulialia tu, Bila kuangalia ukweli wa mambo, kwanza kilikuwa na utitiri wa bank ambazo Binafsi sikuona faida zake, mimi mtu wa chini nilikuwa sikopesheki maana nikitaka kukopa ntaitishwa mavitu kibao na riba ni balaa, nikiweka laki hata mwaka hakuna faida yeyote inayoongezeka.
Asante baba Jessca kwa kuirudisha nchi kwenye mstari
 
PRINCE CROWN

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PRINCE CROWN

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Namba itasomeka sasa,mwanaccm wa ukweli ni jaji warioba aliyewasiliasha maoni ya wananchi kuwa JPM apunguziwe madaraka,leo JPM anasimama majukwaani na kutangaza kuwa hela zote za serikali ziende BOT,hii ni kauli ya kibabe na kulipa kisasi,hata hakujadiliana na mabenki na wanauchumi kuhusu athari ambazo zinaweza kujitokeza,kajiamulia mwenyewe,ikumbukwe kuwa BOT haikopeshi MTU mmoja mmoja,wala viwanda ,kwa maana uamuzi huu ulilenga kuhujumu uchumi kwa viwanda na watu binafsi kwa kuzipunguzia benki uwezo wa kuhudumia sekta binafsi,hivi viwanda anavyovitaka JPM vitajengwa na akina nani?,labla aombe malaika washuke waje wavijenge au amwombe mwana mfalme wa morocco,JPM atafanikiwa kuleta nidhamu kazini lakini uchumi hatafanikiwa
kuna point. Umeongea hata mimi nakuunga mkono Mh.

Sote tunajua tena bila unafiki kwamba Mh Rais Wetu Ndugu Magufuli, Amefanya Kazi Nzuri sana.

Ila kwenye Eneo la Uchumi ni kweli Amepwaya na hapa Lawama zote zielekezwe kwenye Dawati lake la Washauri.

Shida ilianzia hapa kwenye Ule mpango wa kuondoa Fedha zote za serikali kwenye Mabeki ya Biashara na kuzirudisha BOT.

Hapa washauri wange mshauri Ndg Rais Kwamba Hizo Pesa ni kweli Mabenki walikua wanazitumia kukopeshea watu na kutengeneza Faida Kubwa kwenye Mabenk hayo.

Sasa hapa washauri wange mshauri Rais Azi hakiki fedha zote zilizopo kwenye Mabenki hayo.

Alafu atengeneze utaratibu wa kuingia mkataba na mabenki hayo kwamba wazitumie hizo fedha na Serikali iwe inapata Gawio kwenye Faida inayopatikana kwa mabenki hayo kinyume na ilivyokua serikali ilikuwa haipati chochote.

Mwisho. Ili kujenga Nchi nzuri na yenye uzalendo. Basi ufanyike utaratibu wa kushirikisha viongozi wote wa kisiasa na kitaaluma.

Na hapa hata ikiwezekana kwenye katiba Mpya basi kuwekwe serikali ya umoja wa kitaifa.

Ili kutuleta Watanzania Pamoja na kuondoa tifauti zetu za kisiasa kidini na kitamaduni.

Tanzania ni Nchi Nzuri Sana ikiwa sote tutawajibika kuiletea Tanzania Yetu Maendeleo.
 
Polycarp Isaya Urio

Polycarp Isaya Urio

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Polycarp Isaya Urio

Polycarp Isaya Urio

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Namba itasomeka sasa,mwanaccm wa ukweli ni jaji warioba aliyewasiliasha maoni ya wananchi kuwa JPM apunguziwe madaraka,leo JPM anasimama majukwaani na kutangaza kuwa hela zote za serikali ziende BOT,hii ni kauli ya kibabe na kulipa kisasi,hata hakujadiliana na mabenki na wanauchumi kuhusu athari ambazo zinaweza kujitokeza,kajiamulia mwenyewe,ikumbukwe kuwa BOT haikopeshi MTU mmoja mmoja,wala viwanda ,kwa maana uamuzi huu ulilenga kuhujumu uchumi kwa viwanda na watu binafsi kwa kuzipunguzia benki uwezo wa kuhudumia sekta binafsi,hivi viwanda anavyovitaka JPM vitajengwa na akina nani?,labla aombe malaika washuke waje wavijenge au amwombe mwana mfalme wa morocco,JPM atafanikiwa kuleta nidhamu kazini lakini uchumi hatafanikiwa
Kwani benki haziwezi kwenda kukopa benki Kuu?
 
Msarendo

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Msarendo

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Mabenki Kufilisika ni moja ya dalili ya uchumi kukua, hapa kazi tu
 
P

pacoma

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pacoma

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Watumishi wa umma vp,hawakopeshwi tena?maana nilitaka kukopa mpunga wa maana
 
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Maharo

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Tumieni Akili basi,

Kwani Bank zilianzishwa ili zitegemee pesa za Serikali kufanyia shughuli zake?

Yaan uanzishe Bank yako halafu utegemee Taasisi za Serikali zi-deposit fedha zake kwenye account ya Bank yako halafu wewe uzitumie hizo hizo pesa kukopesha hata serikali yenyewe! hii haikubaliki.

Bank zijifunze baada ya huu mpito kupita, wasiwe wanategemea kufanya biashara kwa fedha za serikali...
Kuna kiwango cha pesa za kuanzisha Bank, na kiwango cha pesa za kuweka kama dhamana katika Bank kuu ili kulinda amana za wateja, sasa kwa nini Bank ziyumbe? hii ina maana kuwa Bank zilikopesha sana makampuni na taasisi mbalimbali na viwanda mpaka ile mitaji yao ikapungua to the maximum na madeni walikuwa hawakusanyi kabisa, sasa JPM kawabana.
Asante Brigedia kwa ufafanuzi huu mzuri kwa watakaotaka kuelewa ila kwa wale wasikiliza porojo waache wabaki na porojo zao.HAPA KAZI TU.
 
Polycarp Isaya Urio

Polycarp Isaya Urio

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Polycarp Isaya Urio

Polycarp Isaya Urio

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una aidia kidogo ya masuala ya benki?

ukiweka fixed deposit kwenye benki,benki huwa wanaitumia au laa kukopesha?

lengo la serikali kupigia debe wananchi wasiweke pesa kwenye vibubu ni ili pesa hiyo iende benki ikazunguke.

sasa serikali nayo imeweka pesa kwenye kibubu(benki kuu)

kwani serikali ikiulizia statement ya account zake huwa inakuta pesa pungufu kwamba zimekopeshwa?

hata wewe kaweke milioni 500,benki itakopesha,na ukiangalia salio lako unalikuta vilevile,vitabu vimebalansi.
Kwani hizo benki haziwezi kwenda kukopa BoT?
 
Exaud

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Exaud

Exaud

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The country may face economic hardship in the very near future if deliberately and sustainable solutions could not been taken immediately to rescue this worse situation. If authority ignores, it will take years to recover our growing economy and number of destitute will increase at an alarming rates.
 
Polycarp Isaya Urio

Polycarp Isaya Urio

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Polycarp Isaya Urio

Polycarp Isaya Urio

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Kuna mtu mungu kamnyima maarifa ili yeye na chama waanguke.Kapewa moyo mgumu kama ule wa Farao ili mpango wa mungu wa kumtumia yeye kukiangusha chama chake na yeye mwenyewe utimie.

Kwa kifupi bwana huyu hajui alitendalo na atakuja kushituka when it is already too late.
No
 
GUI

GUI

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GUI

GUI

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Nimekuuliza nitajie nchi moja tu duniani inayoweka hela zake kwenye benki za biashara.
Hiyo biashara ungepewa hata wewe,usingeshindwa
Mfano benki J inakusanya bilioni 200,za serikali,inakaa nazo tu bila ya riba kwa siku 40 mpaka 60,humu wanazizungusha tu
Upewe bilioni 200 ukae nayo mwezi tu FD yake inakutoa maisha yako yote.
Kuna ubaya gani serikali kuhifadhi pesa yake benki kuu?
Yaani unaomba leseni ya kuendesha benki kwa kutegemea pesa ya serikali?
Tulieni tu,mwanzo mtaumia mageuzi yoyote yana maumivu mwanzo,
Kwani ni lazima tuige kwa wezetu? Mangapi mazuri hatuigii?
 
lwiva

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lwiva

lwiva

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Bichwa uchungu kavunja usukani wa kagari ketu sasa imekua mshikemshike ndege tunduni
 
Polycarp Isaya Urio

Polycarp Isaya Urio

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Polycarp Isaya Urio

Polycarp Isaya Urio

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Nini kimeifanya serikali isianze kutoza riba? ukikuta nyani wanakula mahindi shambani mwako utafyeka mahindi au utatafuta namna ya kudhibiti nyani?
Utayahifadhi sehemu ambayo hao nyani hawataweza kuyapata tena
 
iparamasa

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iparamasa

iparamasa

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Huwezi kutegemea kukopesha kwa kutumia hela ya serikali
Benki inakopesha kwa kutegemea amana za wateja wakiwemo wafanyabiashara wakubwa.
Kama benki hazina vitengo madhubuti vya masoko vya kutengeneza mipango itakayowavutia wateja kuweka pesa zitakufa tu.
Na kwa kadhia hii huwezi kusikia benki kama CITY,BARCLAYS NA STANBIC wanalia lia kama watoto wadogo kwa sababu hawakuzoea kufanya biashara kwa kutumia mihela ya serikali
benki zinakopesha kupitia amana za wateja,sawa,

serikali ilikuwa mteja mkuu na ilikuwa na akaunti katika mabenki ya biashara,na ilikuwa na matrilioni ya shilingi,yalitumika kukopesha watanzania na nchi kuwa na uchumi mzuri.

Mteja huyu serikali kaamua kuweka mpira kwapani (kupeleka pesa benki kuu)wakati mechi inaendelea(mchakato wa kukuza uchumi),eti kisa mpira wa baba yake.

Mechi imevunjika(maendeleo)kila mtu kabeba vifaa vyake vya michezo anasepa,wengine wamepigwa butwaa,wengine wanambembeleza arudi game iendelee
 
lwiva

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lwiva

lwiva

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Tumieni Akili basi,

Kwani Bank zilianzishwa ili zitegemee pesa za Serikali kufanyia shughuli zake?

Yaan uanzishe Bank yako halafu utegemee Taasisi za Serikali zi-deposit fedha zake kwenye account ya Bank yako halafu wewe uzitumie hizo hizo pesa kukopesha hata serikali yenyewe! hii haikubaliki.

Bank zijifunze baada ya huu mpito kupita, wasiwe wanategemea kufanya biashara kwa fedha za serikali...
Kuna kiwango cha pesa za kuanzisha Bank, na kiwango cha pesa za kuweka kama dhamana katika Bank kuu ili kulinda amana za wateja, sasa kwa nini Bank ziyumbe? hii ina maana kuwa Bank zilikopesha sana makampuni na taasisi mbalimbali na viwanda mpaka ile mitaji yao ikapungua to the maximum na madeni walikuwa hawakusanyi kabisa, sasa JPM kawabana.
Wewe utumie akili kwanza aliye Fanya banki zitegemee hela ya serikali ni CCM hiyo hiyo hivyo auna hoja ya msingi pia elewa kama umevisha nguo za kike ukaachwa kwenye watu wengi utakiwi kuzivua mana utabaki uchi ila utazivaa hadi upate za kubadilisha ndo uzivue jamaa kalivua nguo taifa kabla ya kuandaa za kubadilisha tumebaki uchi
 

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