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

Natumia "uchumi natural" kuelezea anguko hili la mabenki! Jamani hivi vikundi vinavyoojiita vya mchezo mf: akina mama, madereva boda boda wana fedha nyingi sana na hazipo benki, mifano ninayo...ninamiliki bodaboda na kijana wangu juzi hapa wamegawana milioni mbili kila mtu na fedha hizi alikuwa anatunza mtu tu mfukoni! Mke wangu hapa nyumbani kaweka milioni 10, eti wenzake hawataki kukopa maana sikukuu zinakaribia na wanakaribia kugawana( huwa wanakopeshana kwa riba kidogo tu)

Nini maana yake: hao nimetaja tone la maji kwenye bahari! Kuna pesa nyingi nje ya mifumo rasmi ya kibenki kwasababu benki zetu zililemazwa na hela za serikali nakuacha wajasiriamali wadogo! Ni wakati sasa wa benki kuandaa chai na soda za wateja ili kuvutia hawa watu wa chini.
 
Pesa za serikali ni pesa za wananchi. Kwa hiyo ni halali kabisa pesa ya serikali kuhuisha uchumi wa wananchi ili wananchi hao wazidi kuipatia pesa serikali. Unamwua anayekupa pesa kwa sababu ya pesa aliyokupatia. Kesho atakupa nani?
Bado hiyo si sababu ya msingi kurudi kwenye utaratibu wa zamani ambao Serikali ilikua ikiibiwa na watumishi wake WASIO waaminifu kupitia hayo mabenki kwa kushirikiana nayo.
 
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.
Pesa za serikali zinatoka mbinguni??

Au hujui kwanini Serikali inakusanya kodi?? Akili yako yote imeleweshwa na ujenzi wa mabarabara tu!

Uchumi na Biashara nchini lazima ziwe stimulated na pesa za serikali!
 
hata bandarini,wenye nia njema walionya,nyie mnaovizia makombo ya ubwabwa meza kuu mkawa mnampamba,mnamwambia mambo safi,wanaosema wabaya wako,kaja kustuka muda umekwenda,na hasara kubwa imetokea.

hasara.mliyosababisha kwenye sukari,bandari haijatosha,sasa mnataka kuua kabisa hata.kidogo kilichobaki
Nia njema gani..ya kudhani wote wanaopinga mnachoandika wanavizia sijui makombo unayojua wewe, ondoa kwanza huo ujinga kichwani mwako wa kufikiri hvyo unavyosema, hasara gani imetokea..bora hasara hiyo unayosema kuliko hasara ya ujinga uliokuwa unafanyika, bora meli kdg zinazolipa kodi zije bandarini kuliko meli 500 za wapumbavu wanaokwepa kodi au kuvunja utaratibu, una akili wewe..kwa hiyo bila bandari hatuwezi kuishi, vipi nchi zisizo kuwa na bandari wanaishije..
 
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.
Ni kosa la benki kuu kuruhusu commercial Bank zikopeshe kuliko kiwango cha kawaiada.

Hata kama commercial Bank watadanganya taarifa zao bado jukumu la usimamizi wa mabenki unabakia CENTRAL BANK

Halafu nakushangaa unaposema mabenki kutegemea deposit za Taasisi za serikali kukopesha unashindwa hata Kuelewa KUWA ni kuwa hutumia deposit kutoa mikopo
 
Nia njema gani..ya kudhani wote wanaopinga mnachoandika wanavizia sijui makombo unayojua wewe, ondoa kwanza huo ujinga kichwani mwako wa kufikiri hvyo unavyosema, hasara gani imetokea..bora hasara hiyo unayosema kuliko hasara ya ujinga uliokuwa unafanyika, bora meli kdg zinazolipa kodi zije bandarini kuliko meli 500 za wapumbavu wanaokwepa kodi au kuvunja utaratibu, una akili wewe..kwa hiyo bila bandari hatuwezi kuishi, vipi nchi zisizo kuwa na bandari wanaishije..
subiri makombo mkuu
 
Acha uwongo, nchi zote zilizoendelea kiuchumi huwezi kukuta serikali inakumbatia hela. Inapopata hela zake Mara mojja huziingiza ktk mzunguko kupitia mabenki tena kwa riba ya 0.. Mfano mzuri ni China haikai na hela. Ukiwa na mradi hata wapi China inawapa RAIA wake mtaji kupitia mabenki. Kitu kama hujui kaa kimya.
Serikali ya China wanatoa guarantee kwa mabenki kukopesha wenye mitaji midogo,hata hapa benki kuu wanafanya.
Hela ya serikali inakaa benki kuu
 
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.
Binafsi bado sijaelewa tatizo ni nini kwa maana makosa yamebainika, nilidhani wanachojaribu ni kusahihisha makosa hayo. kumbe ujanja wote wa mabenki yetu ni kupiga deal na hela za serikali! wajitahidi tu kukaba na wao wanaowadai.

watanzania mnanifurahisha kwa kweli! Mnanikumbusha watu walee wanaolillia kwenda mbinguni lakini wanaogopa kufa, mlitakaje kwa mfano? Mabadiliko bila gharama? Over thirty years of distruction, do you honestly expect a milk n honey road to change. its always darkest before dawn, for now let us read numerals...........
 
Mjinga kweli wewe, hivyo vi pesa mnavyolipwa vitawatokea puani muda si mrefu subirini mwone.
Asee usinitukane tafadhali..halafu kwa nini kila anayepinga kile wengine wanapotosha mnadhani anapewa pesa na ccm au serikali, huo ni ujinga na uvivu wa kufikiri si wote wanaotetea mazuri yanayofanywa na serikali wametumwa!
 
Haya mabenki yakienda kukopa nje ya nchi kwa riba,ili yaje yakukopeshe mtanzania wa kawaida,utaweza kukopa?

Maana watakupandilia kwenye riba mpaka warudishe deni lao,utashindwa kukopa
Hata hivyo si sahihi kwa wao kutegemea pesa ya Serikali,watafute njia mbadala,kwani wenzao wanafanyeje? Pesa ya Serikali ikae kwenye benki yake ndiyo maana iliundwa.
 
Serikali ya China wanatoa guarantee kwa mabenki kukopesha wenye mitaji midogo,hata hapa benki kuu wanafanya.
Hela ya serikali inakaa benki kuu
Ndg hiyo sio kweli. Niambie ni benki gani hapa Tanzania inaguarantee ya serikali kukopesha wafanya biashara wadogo?
Ingekua hivyo mabenki yangekua yanatoza ribs kubwa kiasi hicho kwasababu ya risk za mikopo kwa wafanyabiashara hao?
Wewe unafikiri ni kwann mabenki mengi hayataki kukopesha wakulima na wafugaji? Jamani acheni kutetea kila jambo?
 
Ndg hiyo sio kweli. Niambie ni benki gani hapa Tanzania inaguarantee ya serikali kukopesha wafanya biashara wadogo?
Ingekua hivyo mabenki yangekua yanatoza ribs kubwa kiasi hicho kwasababu ya risk za mikopo kwa wafanyabiashara hao?
Wewe unafikiri ni kwann mabenki mengi hayataki kukopesha wakulima na wafugaji? Jamani acheni kutetea kila jambo?
kweli mkuu,watu wengine wanajitoa akili
 
  • Thanks
Reactions: bne
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.


Hii kweli ni changamoto sana, kwa anayemshauri Rais wetu kuhusu uchumi angepigwa chini hakika...Sababu najua Mkuu wetu hajabobea ktk masuala ya uchumi bali ni anashuriwa na wachumi wa Tanzania waliopewa jukumu hili...
Nchi inapoenda siko, kila mahali vilio vilio....ni bomu linapikwa na litalipuka vibaya...na watakaoathirika ni vijana na watoto walio ktk hatua ya kukua sasa...
 
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.


kweli Rais wetu anajitahidi ktk kuijenga nchi, kupambana na ufisadi, na matumizi hovyo ila kuna mahali anakosea ktk mambo mengine.
 
anguko la sekta ya benki lina athari mtawanyiko

sasa viwanda vinakosa pesa za kuendesha shughuli,vitapunguza uzalishaji(kodi itapungua)'

vinaweza kupunguza wafanyakazi (athari kwa familia na kodi ya mapato,PAYE)

kama kiwanda kinategemea mazao ya wakulima,wakulima watakosa soko la mazao,serikali itakosa kodi pia.

sekta ya benki itakosa faida kwa njia ya riba

bidhaa zinaweza kupanda bei na,au kuadimika.

wanaouzia viwanda huduma kukosa biashara,mfano mafuta ya kuendesha mitambo,umeme,maji

na mengine meengi yatakayomgusa mpaka mama ntilie

Na sisi Ukawa tuko kimya, tutafanyaje sasa wakati siku ile mliimba ooh ccm ni ile ile, ooh mtaisoma namba, nyoo.... babu maguuu tunyoooooooooshe akseh
 
Sasa kuna tatizo gani serikali kuhifadhi pesa yake.Niambie ni nchi gani serikali inaweka pesa zake katika benki za biashara.
Kwa Magufuli wote waliozoea vya kunyonga lazima walambe mchanga.
Hizo benki Warekebishe tu cash flows zao ikibidi hata kukopa benki za nje

Unadhani anayekomolewa ni nani???

duh mshikaji kabombe unaArgue kama mamantilie bhana??, you better keep your mouth shut rather than mowing
 
12 Reactions
Reply
Back
Top Bottom