How Kariakoo Traders Defrauded Stanbic Bank

[Sangarara]

for many reasons the loan product was a failure before it was launched in tanzania, there was no way it was going to work in Tanzania and who better to see that than the people who are being terminated now, they knew the banking dynamics well in Tanzania more than the bureaucrats who were running that loan scheme from thousands of miles away.

Well, I hope they will seek legal assistance if at all the whole thing is unfair.

 

[Kichakoro]

Pamoja ni kwamba hii story ina a lot of mistakes but some of the issues ni kweli isipokuwa kwenye figures. Mikopo iliyotolewa kariakoo (unsecured loan) ilikua ni 25 billion ambayo ilipaswa kuleta faida ya 15billion (yaani principle plus interest jumla iwe 40billion). Jumla ya kiasi kilichokusanywa ni 33billion kwa maana ingine loss waliopata (uncollected interest) ni 7billion. which in layman language hawakupata hasara bali faida imepungua kwa 7billion. Hasara ipo kwenye mikopo mingine business loan 5billion, personal loan 4billion and operation loss of 1 billion. therefore a total loss ni 18billion na si vinginevyo kama inavyosomeka kwenye report. the other part of the story ni kama ilivyo kwenye story.

 

[mpiga domo]

Pamoja ni kwamba hii story ina a lot of mistakes but some of the issues ni kweli isipokuwa kwenye figures. Mikopo iliyotolewa kariakoo (unsecured loan) ilikua ni 25 billion ambayo ilipaswa kuleta faida ya 15billion (yaani principle plus interest jumla iwe 40billion). Jumla ya kiasi kilichokusanywa ni 33billion kwa maana ingine loss waliopata (uncollected interest) ni 7billion. which in layman language hawakupata hasara bali faida imepungua kwa 7billion. Hasara ipo kwenye mikopo mingine business loan 5billion, personal loan 4billion and operation loss of 1 billion. therefore a total loss ni 18billion na si vinginevyo kama inavyosomeka kwenye report. the other part of the story ni kama ilivyo kwenye story.

"Stanbic officially announced a Sh14.9 billion loss during the quarter ending September 2013, according to its latest financial statement".
How does that 18 billion comes into the picture...????

 

[maroon7]

Pamoja ni kwamba hii story ina a lot of mistakes but some of the issues ni kweli isipokuwa kwenye figures. Mikopo iliyotolewa kariakoo (unsecured loan) ilikua ni 25 billion ambayo ilipaswa kuleta faida ya 15billion (yaani principle plus interest jumla iwe 40billion). Jumla ya kiasi kilichokusanywa ni 33billion kwa maana ingine loss waliopata (uncollected interest) ni 7billion. which in layman language hawakupata hasara bali faida imepungua kwa 7billion. Hasara ipo kwenye mikopo mingine business loan 5billion, personal loan 4billion and operation loss of 1 billion. therefore a total loss ni 18billion na si vinginevyo kama inavyosomeka kwenye report. the other part of the story ni kama ilivyo kwenye story.

Asante mkuu kwa ufafanuzi ambao ndio unanipa maswali mengi zaidi kuliko majibu kwasababu kuwajibishwa kwa MD na wengine kutakua kuna sababu gani nyingine? Maana nae alikaririwa akisema but I hope one day the truth will come out. What pains me is the fact that those who questioned the unsecured loan scheme but were ignored are the ones being targeted today. Hii inamaana sababu ya kuondolewa si hizo unsecured loan? Tujuze kama unafahamu lolote

 

[SHERRIF ARPAIO]

Corporate Africa at its best!!!

 

[SPERMATOZOA]

Are u real a banker? Inajua kuhusu Secrecy and confidentiality??

 

[Liganga]

Duh!

Hapa kuna zaidi ya story kwenye hili jambo. BoT ni watu makini sana na nnavyotambua

wako makini kuhakikisha idadi ya wageni kwenye mabenki haizidi watatu, na ni lazima

kila mgeni apate idhini ya benki kuu kabla ya kuanza kazi katika taasisi yoyote ya fedha.

Kama ni kweli kuna idadi ya wageni 20 ina maana wamepitishwa na BoT, vile vile kutakuwa

na tatizo kubwa kwenye utendaji linalopelekea BoT kukubali wageni waje.


Pia nnafahamu benki kama kampuni yoyote huwa na bodi, kwa guidelines za kibenki za BoT

benki inayoendesha biashara yake Tanzania lazima iwe na bodi ya kitanzania. Bodi ndio chombo

kikuu cha maamuzi kwenye kampuni yoyote. Sasa hiki kitendo cha kusema maamuzi mengi yalikuwa

yanafanywa nje (Uganda na Afrika kusini), Je yalikuwa yanapelekwa bodi?? Je bodi ilikuwa inajua??

Kama bodi haikuwa inatambua inamaana na bodi nayo ina mapungufu sababu imeshindwa kusimamia

na kuielewa biashara. Lakini kama bodi ilijua basi ni vigumu kusema maamuzi yanafanywa nje ya nchi.


Hii habari inaweza kuwa imeelezwa vibaya kwa makusudi au kwa mwandishi kutokua na uelewa wa mambo

ya msingi yahusiyo biashara. Ukitazama mahesabu ya hawa jamaa tangu mwanzo wa mwaka utaona

wameripoti hasara lakini vile vile wanaprovision kubwa. Hesabu zao zilichapwa kwenye gazeti la

wiki iliyopita.


Kuhusu mambo ya kuwajibisha menejimenti, hapo napo naona kunakitu hakijaelezwa kwa ufasaha.

Naelewa ni bodi pekee inayoweza kufukuza wakurugenzi wa kampuni nayo ni baada ya kufanya uchunguzi

wa kina na kujiridhisha pia sababu husika nazo lazima zielezwe kwa BoT ili isije ikawa kuna jungu

linafanyika ambalo linaweza hatarisha akiba (deposits) za wateja.


Mabadiliko makubwa ya kiuongozi wa benki huwa ni taarifa za kustua kwenye sekta ya kibenki na moja

kwa moja usababisha benki kuu kufuatilia mwenendo wa mambo katika taasisi husika kwa umakini.

Kwa vile imejulikana hiyo benki imeingizwa mjini, vyombo vya dola na sheria vimechukua hatua

gani katika kufanya kazi na hiyo taasisi kuhakikisha hatua stahiki zinachukuliwa kwa hao

wafanyabiashara? vinginevyo inaleta picha mbaya kwa wawekezaji ambao Raisi wetu anazunguka

kila siku kuwashawishi waje nchini kuwekeza. Hii ni kithibitisho kuwa mitaji yao haipo salama

kama janga la namna hii laweza kutokea na sheria isiweze chukua mkondo wake.


Natamani kujua zaidi hii stori, lakini imejaa mapengo kwa sasa jinsi ilivyo.