Je, soko la fedha litatekeleza sera mpya ya fedha ya Benki kuu?

[Yamungu Jeremiah]

Habari!

Leo Jan-19-2024 Benki kuu ya Tanzania BOT imetangaza rasmi kuanza kutumia mfumo wa Riba, kama taarifa yao inavyoeleza "BoT YATANGAZA RIBA YA BENKI KUU KWA ROBO YA KWANZA YA MWAKA 2024".

Riba ya Benki kuu ilivyotangazwa ni asilimia 5.5(5.5%) kwa robo ya kwanza ya mwaka huu. Riba hii itakuwa ni riba elekezi itakayo simamia riba zingine katika soko la fedha.

Akiongelea suala hilo Gavana wa Benki kuu Bw. Emannuel Tutuba, amezungumza haya

"Ili kuwezesha kufikiwa kwa malengo haya, Benki Kuu itatumia nyenzo mbalimbali za sera ya fedha kuhakikisha riba katika soko la fedha baina ya benki hapa nchini (interbank market) inakuwa tulivu."

“Hivyo, Benki Kuu itakuwa inafuatilia mwenendo wa riba ya mikopo ya siku 7 katika soko hilo na kuchukua hatua kuhakikisha mabadiliko ya riba yanakuwa ndani ya wigo usiozidi asilimia 2 chini au juu (+/-2%) ya Riba ya Benki Kuu"

Swali langu ni je, soko la fedha, hususani benki, litatekeleza sera hii ya fedha kama inavyotakiwa?

Kama jibu ni ndio, kwa mtazamo wangu mimi naona kutakuwa na unafuu katika soko hilo kwani wakopeshaji watatumia +/-2% ya riba benki kuu(5.5%) kama msingi katika kuchakata riba zao na hivyo kupelekea unafuu kwa wakopaji.

Mwenye uelewa zaidi juu ya suala hili anaombwa kufafanua zaidi ili sote tuelewe, pengine sikuelewa vizuri.

 

[Liverpool VPN]

""Mwenye uelewa zaidi juu ya suala hili anaombwa kufafanua zaidi ili sote tuelewe, pengine sikuelewa vizuri.""

Hili ndilo la msingi.

Kwani mfumo wa awali ulikuaje na kwasasa unaenda kuwaje?
(In layman language.)

#YNWA

 

[Kiranga]

Hii riba imepanda au imeshuka?

Nimesoma Reuters na XINHUA wote hawajaeleza ilikuwa wapi kabla ya kuwekwa 5.5%

Kitu kimoja muhimu kinachofanywa na riba ni ku control upandaji wa level ya bei (inflation).

Kwa Tanzania, kuna sehemu kubwa ya inflation inatokana na imports (imported inflation).

Hivyo, kwenye sehemu hii ya ku control inflation, kucheza na riba pekee hakutasaidia sana, ikiwa hatutajifunza kuzalisha kila tunachoweza kuzalisha wenyewe nchini.

Pia, kama tunaagiza sana kutoka nchi bila ya kuwa na balance of trade nzuri, tutahitaji dola sana, na hiyo dola interest rate yake inakuwa cobtrolled na Federal Reserve ya US, Benki Kuu yao. So kwa kiasi kikubwa itabidi tuangalie US wanaenda wapi.

Hapo ndipo umuhimu wa hoja za Rais William Ruto wa Kenya za kujitoa kwenye uchumi wa kutegemea US dollar bila sababu unapoonekana.

Mchumi nguli Mohammed El-Erian aliandika kitabu kizuri sana kinaitwa "The Only Game in Town : Central Banks, Instability and Recovering From Another Collapse" kimeelezea matatizo ya kutegemea sana Central Bank katika kupambana na matatizo ya kiuchumi.

https://www.reuters.com/world/africa/tanzania-central-bank-sets-policy-rate-55-2024-01-19/

 

[sumbai]

Hii riba imepanda au imeshuka?

Nimesoma Reuters na XINHUA wote hawajaeleza ilikuwa wapi kabla ya kuwekwa 5.5%

Kitu kimoja muhimu kinachofanywa na riba ni ju control upandaji wa level ya bei (inflation).

Kwa Tanzania, kuna sehemu kubwa ya inflation inatikana na imports (imported inflation).

Hivyo, kwenye sehemu hii ya ku control inflation, kucheza na riba pekee hakutasaidia sana, ikiwa hatutajifunza kuzalisha kila tunachoweza kuzalisha wenyewe nchini.

Pia, kama tunaagiza sana kutoka nchi bila ya kuwa na balance of trade nzuri, tutahitaji dola sana, na hiyo dola interest rate yake inakuwa cobtrolled na Federal Reserve ya US, Benki Kuu yao. So kwa kiasi kikubwa itabidi tuangalie US wanaenda wapi.

Hapo ndipo umuhimu wa hoja za Rais William Ruto wa Kenya za kujitoa kwenye uchumi wa kutegemea US dollar bila sababu unapoonekana.

Mchumi nguli Mohammed El-Erian aliandika kitabu kizuri sana kinaitwa "The Only Game in Town : Central Banks, Instability and Recovering From Another Collapse" kimeelezea matatizo ya kutegemea sana Central Bank katika kupambana na matatizo ya kiuchumi.

https://www.reuters.com/world/africa/tanzania-central-bank-sets-policy-rate-55-2024-01-19/

Kama ulivyo sema hapo kwamba hiyo Riba mpya elekezi imepanda au imeshuka we don't know...

Kama imeshuka hapa nadhani Lengo Lao kubwa sio kudeal na inflations labda walikuwa wanalengo la kusahisha Riba ili kuruhsu watu wengi kukopa kustimulate uzalishaji WA ndani ili mwisho wasiku uzalishaji ukiwa mwingi hupunguza bei and vice versa.

 

[Kiranga]

Kama ulivyo sema hapo kwamba hiyo Riba mpya elekezi imepanda au imeshuka we don't know...

Kama imeshuka hapa nadhani Lengo Lao kubwa sio kudeal na inflations labda walikuwa wanalengo la kusahisha Riba ili kuruhsu watu wengi kukopa kustimulate uzalishaji WA ndani ili mwisho wasiku uzalishaji ukiwa mwingi hupunguza bei and vice versa.

Itakuwa imepanda tu kupigana na inflation.

Naona September 2023 ilikuwa 5%, so wamepandisha kwa 0.5% kufikia 5.5%.

Bank of Tanzania Interest Rate 2024 | Take-profit.org

Tanzania Interest Rate was 5 % in 2023. Take-profit.org provides actual data on the actual cash rate at which Tanzanian Central Bank lends money to commercials bank.

take-profit.org

Hii inamaanisha mikopo itapanda riba. Hela itakuwa ngumu zaidi kushika. Wanajaribu kupunguza mfumuko wa bei.

Ni aibu na hatari kwa BOT kutoa tamko muhimu kama hili bila ya kuwa clear mara ya mwisho riba ilikuwa wapi, lini.

Kwa sababu, si muhimu kujua tu riba iko wapi tu, ni muhimu pia kujua muelekeo mzima wa riba, inatoka wapi na inaenda wapi.

Bloomberg wanasema

After 28 Years, Tanzania Shifts to Interest Rates for Policy

Fumbuka Ng'wanakilala, Bloomberg News

6h ago

(Bloomberg) -- Tanzania’s central bank set its benchmark interest rate at 5.5% for the first quarter, as the east African nation starts using borrowing costs rather than money supply to control inflation.

The adoption of the central bank rate means that Tanzania has officially “shifted to an interest-rate or price-based monetary policy framework from a monetary-targeting framework that was in place for the past 28 years,” Governor Emmanuel Tutuba said. The move brings it in line with other countries, including neighboring Kenya, Uganda and Rwanda.

It’s also a step toward creating a monetary union and single currency for member states of the East African Community, a regional trade bloc, in the future, Tutuba, who was appointed a year ago, said in the commercial capital, Dar es Salaam.

The Bank of Tanzania aims to ensure that the inflation rate remains within the medium-term target of 5%, while supporting economic growth of 5.5% or more for 2024, it said in a statement on X.

Inflation slowed to 3% in December from 3.2% a month earlier.

The central bank rate is also expected to ensure that the local currency remains stable, it said.

©2024 Bloomberg L.P.

After 28 Years, Tanzania Shifts to Interest Rates for Policy

Tanzania’s central bank set its benchmark interest rate at 5.5% for the first quarter, as the east African nation starts using borrowing costs rather than money supply to control inflation.

www.bloomberg.com

 

[The only]

Hii riba imepanda au imeshuka?

Nimesoma Reuters na XINHUA wote hawajaeleza ilikuwa wapi kabla ya kuwekwa 5.5%

Kitu kimoja muhimu kinachofanywa na riba ni ju control upandaji wa level ya bei (inflation).

Kwa Tanzania, kuna sehemu kubwa ya inflation inatikana na imports (imported inflation).

Hivyo, kwenye sehemu hii ya ku control inflation, kucheza na riba pekee hakutasaidia sana, ikiwa hatutajifunza kuzalisha kila tunachoweza kuzalisha wenyewe nchini.

Pia, kama tunaagiza sana kutoka nchi bila ya kuwa na balance of trade nzuri, tutahitaji dola sana, na hiyo dola interest rate yake inakuwa cobtrolled na Federal Reserve ya US, Benki Kuu yao. So kwa kiasi kikubwa itabidi tuangalie US wanaenda wapi.

Hapo ndipo umuhimu wa hoja za Rais William Ruto wa Kenya za kujitoa kwenye uchumi wa kutegemea US dollar bila sababu unapoonekana.

Mchumi nguli Mohammed El-Erian aliandika kitabu kizuri sana kinaitwa "The Only Game in Town : Central Banks, Instability and Recovering From Another Collapse" kimeelezea matatizo ya kutegemea sana Central Bank katika kupambana na matatizo ya kiuchumi.

https://www.reuters.com/world/africa/tanzania-central-bank-sets-policy-rate-55-2024-01-19/

Hicho kitabu napataje

 

[Kiranga]

Hicho kitabu napataje

Nimeki attach hapa.

Description:
NEW YORK TIMES BESTSELLER • Dr. Mohamed A. El-Erian, one of the world’s most influential economic thinkers and the author of "When Markets Collide", has written a roadmap to what lies ahead and the decisions we must make now to stave off the next global economic and financial crisis.

Our current economic path is coming to an end. The signposts are all around us: sluggish growth, rising inequality, stubbornly high pockets of unemployment, and jittery financial markets, to name a few. Soon we will reach a fork in the road: One path leads to renewed growth, prosperity, and financial stability, the other to recession and market disorder.

In "The Only Game in Town" ,El-Erian casts his gaze toward the future of the global economy and markets, outlining the choices we face both individually and collectively in an era of economic uncertainty and financial insecurity. Beginning with their response to the 2008 global crisis, El-Erian explains how and why our central banks became the critical policy actors—and, most important, why they cannot continue in this role alone. They saved the financial system from collapse in 2008 and a multiyear economic depression, but lack the tools to enable a return to high inclusive growth and durable financial stability. The time has come for a policy handoff, from a prolonged period of monetary policy experimentation to a strategy that better targets what ails economies and distorts the financial sector—before we stumble into another crisis.

The future, critically, is not predestined. It is up to us to decide where we will go from here as households, investors, companies, and governments. Using a mix of insights from economics, finance, and behavioral science, this book gives us the tools we need to properly understand this turning point, prepare for it, and come out of it stronger. A comprehensive, controversial look at the realities of our global economy and markets, "The Only Game in Town" is required reading for investors, policymakers, and anyone interested in the future.

Praise forThe Only Game in Town

“The one economic book you must read now . . . If you want to understand this bifurcated world and where it’s headed, there is no better interpreter than Mohamed El-Erian. . . . An excellent primer [and] a guide on what to expect as the world struggles to cope with slower, less equal growth.”—Time

“How come the global economy is now run largely by unelected central banks? In this highly intelligent analysis, the author, a respected investor and CEO, explains how elected governments are failing in their basic job to take care of the economy and why this might lead to a massive unmanageable crisis.”—Fareed Zakaria, CNN (book of the week)

“El-Erian expertly offers a balanced view, commending the central banks for their necessarily aggressive policy views while noting, for example, the failure of the Fed to recognize the pre-crisis housing bubble. . . . A grand tour of the challenges we face, along with ideal solutions and more likely outcomes.”—Steven Rattner,The New York Times Book Review

“What better moment could there be for a book subtitled ‘Central Banks, Instability, and Avoiding the Next Collapse’? And who better to write it than Mohamed El-Erian . . . ?”—Financial Times

“A warning on the Federal Reserve’s limits . . . For those who consider Washington politicians incapable of acting effectively, [El-Erian’s] diagnosis is chilling.”—The New York Times

 

[The only]

Nimeki attach hapa.

Description:
NEW YORK TIMESBESTSELLER • Dr. Mohamed A. El-Erian, one of the world’s most influential economic thinkers and the author of "When Markets Collide", has written a roadmap to what lies ahead and the decisions we must make now to stave off the next global economic and financial crisis.

Our current economic path is coming to an end. The signposts are all around us: sluggish growth, rising inequality, stubbornly high pockets of unemployment, and jittery financial markets, to name a few. Soon we will reach a fork in the road: One path leads to renewed growth, prosperity, and financial stability, the other to recession and market disorder.

In "The Only Game in Town" ,El-Erian casts his gaze toward the future of the global economy and markets, outlining the choices we face both individually and collectively in an era of economic uncertainty and financial insecurity. Beginning with their response to the 2008 global crisis, El-Erian explains how and why our central banks became the critical policy actors—and, most important, why they cannot continue in this role alone. They saved the financial system from collapse in 2008 and a multiyear economic depression, but lack the tools to enable a return to high inclusive growth and durable financial stability. The time has come for a policy handoff, from a prolonged period of monetary policy experimentation to a strategy that better targets what ails economies and distorts the financial sector—before we stumble into another crisis.

The future, critically, is not predestined. It is up to us to decide where we will go from here as households, investors, companies, and governments. Using a mix of insights from economics, finance, and behavioral science, this book gives us the tools we need to properly understand this turning point, prepare for it, and come out of it stronger. A comprehensive, controversial look at the realities of our global economy and markets, "The Only Game in Town" is required reading for investors, policymakers, and anyone interested in the future.

Praise forThe Only Game in Town

“The one economic book you must read now . . . If you want to understand this bifurcated world and where it’s headed, there is no better interpreter than Mohamed El-Erian. . . . An excellent primer [and] a guide on what to expect as the world struggles to cope with slower, less equal growth.”—Time

“How come the global economy is now run largely by unelected central banks? In this highly intelligent analysis, the author, a respected investor and CEO, explains how elected governments are failing in their basic job to take care of the economy and why this might lead to a massive unmanageable crisis.”—Fareed Zakaria, CNN (book of the week)

“El-Erian expertly offers a balanced view, commending the central banks for their necessarily aggressive policy views while noting, for example, the failure of the Fed to recognize the pre-crisis housing bubble. . . . A grand tour of the challenges we face, along with ideal solutions and more likely outcomes.”—Steven Rattner,The New York Times Book Review

“What better moment could there be for a book subtitled ‘Central Banks, Instability, and Avoiding the Next Collapse’? And who better to write it than Mohamed El-Erian . . . ?”—Financial Times

“A warning on the Federal Reserve’s limits . . . For those who consider Washington politicians incapable of acting effectively, [El-Erian’s] diagnosis is chilling.”—The New York Times

Asante mkuu

 

[Kiranga]

Asante mkuu

Anytime.

 

[Yamungu Jeremiah]

""Mwenye uelewa zaidi juu ya suala hili anaombwa kufafanua zaidi ili sote tuelewe, pengine sikuelewa vizuri.""

Hili ndilo la msingi.

Kwani mfumo wa awali ulikuaje na kwasasa unaenda kuwaje?
(In layman language.)

#YNWA

Kwa mujibu wa ripoti ya BOT wanasema hapo awali Benki kuu walikuwa wanatumia mfumo wa "Ujazi wa fedha" na si mfumo wa Riba. Sina uelewa sana na mfumo huo wa Ujazi, ila wao wanasema ni mfumo wa makadirio na umekuwa ukiwapa sana changamoto katika ku monitor riba zinazopangwa na taasisi zingine katika soko la fedha. Kama kuna mtaalamu wa uchumi hapa atusaidie huu mfumo wa Ujazi ni mfumo wa namna gani.

 

[Yamungu Jeremiah]

Hii riba imepanda au imeshuka?

Nimesoma Reuters na XINHUA wote hawajaeleza ilikuwa wapi kabla ya kuwekwa 5.5%

Kitu kimoja muhimu kinachofanywa na riba ni ju control upandaji wa level ya bei (inflation).

Kwa Tanzania, kuna sehemu kubwa ya inflation inatikana na imports (imported inflation).

Hivyo, kwenye sehemu hii ya ku control inflation, kucheza na riba pekee hakutasaidia sana, ikiwa hatutajifunza kuzalisha kila tunachoweza kuzalisha wenyewe nchini.

Pia, kama tunaagiza sana kutoka nchi bila ya kuwa na balance of trade nzuri, tutahitaji dola sana, na hiyo dola interest rate yake inakuwa cobtrolled na Federal Reserve ya US, Benki Kuu yao. So kwa kiasi kikubwa itabidi tuangalie US wanaenda wapi.

Hapo ndipo umuhimu wa hoja za Rais William Ruto wa Kenya za kujitoa kwenye uchumi wa kutegemea US dollar bila sababu unapoonekana.

Mchumi nguli Mohammed El-Erian aliandika kitabu kizuri sana kinaitwa "The Only Game in Town : Central Banks, Instability and Recovering From Another Collapse" kimeelezea matatizo ya kutegemea sana Central Bank katika kupambana na matatizo ya kiuchumi.

https://www.reuters.com/world/africa/tanzania-central-bank-sets-policy-rate-55-2024-01-19/

Kama kuna point za muhimu ambazo huwa ninazi-admire ni hii ya "kuzalisha wenyewe". Tatizo tuna elimu za nadharia sana ambazo hazitoi ujuzi stahiki. Hatuwezi kuzalisha kama hatuna ujuzi. Focus kubwa inatakiwa kuwa hapa kwenye hii "ELIMU". Sure uchumi wetu unaongozwa na wazalishaji.

 

[Kiranga]

Kama kuna point za muhimu ambazo huwa ninazi-admire ni hii ya "kuzalisha wenyewe". Tatizo tuna elimu za nadharia sana ambazo hazitoi ujuzi stahiki. Hatuwezi kuzalisha kama hatuna ujuzi. Focus kubwa inatakiwa kuwa hapa kwenye hii "ELIMU". Sure uchumi wetu unaongozwa na wazalishaji.

Yeah Mkuu.

Sasa hivi tuna import mpaka njiti za kuchokonolea meno nasikia.

 

[Yamungu Jeremiah]

Itakuwa imepanda tu kupigana na inflation.

Naona September 2023 ilikuwa 5%, so wamepandisha kwa 0.5% kufikia 5.5%.

Bank of Tanzania Interest Rate 2024 | Take-profit.org

Tanzania Interest Rate was 5 % in 2023. Take-profit.org provides actual data on the actual cash rate at which Tanzanian Central Bank lends money to commercials bank.

take-profit.org

Hii inamaanisha mikopo itapanda riba. Hela itakuwa ngumu zaidi kushika. Wanajaribu kupunguza mfumuko wa bei.

Ni aibu na hatari kwa BOT kutoa tamko muhimu kama hili bila ya kuwa clear mara ya mwisho riba ilikuwa wapi, lini.

Kwa sababu, si muhimu kujua tu riba iko wapi tu, ni muhimu pia kujua muelekeo mzima wa riba, inatoka wapi na inaenda wapi.

Bloomberg wanasema

After 28 Years, Tanzania Shifts to Interest Rates for Policy

Fumbuka Ng'wanakilala, Bloomberg News

6h ago

(Bloomberg) -- Tanzania’s central bank set its benchmark interest rate at 5.5% for the first quarter, as the east African nation starts using borrowing costs rather than money supply to control inflation.

The adoption of the central bank rate means that Tanzania has officially “shifted to an interest-rate or price-based monetary policy framework from a monetary-targeting framework that was in place for the past 28 years,” Governor Emmanuel Tutuba said. The move brings it in line with other countries, including neighboring Kenya, Uganda and Rwanda.

It’s also a step toward creating a monetary union and single currency for member states of the East African Community, a regional trade bloc, in the future, Tutuba, who was appointed a year ago, said in the commercial capital, Dar es Salaam.

The Bank of Tanzania aims to ensure that the inflation rate remains within the medium-term target of 5%, while supporting economic growth of 5.5% or more for 2024, it said in a statement on X.

Inflation slowed to 3% in December from 3.2% a month earlier.

The central bank rate is also expected to ensure that the local currency remains stable, it said.

2024 Bloomberg L.P.

After 28 Years, Tanzania Shifts to Interest Rates for Policy

Tanzania’s central bank set its benchmark interest rate at 5.5% for the first quarter, as the east African nation starts using borrowing costs rather than money supply to control inflation.

www.bloomberg.com

Kaka hii issue ya riba zinazopangwa na nyenzo(wakopeshaji) mbalimbali katika soko la fedha inatakiwa kuwa +/-2 chini au juu ya riba ya Bank kuu, wewe unaielewaje?

 

[Yamungu Jeremiah]

Yeah Mkuu.

Sasa hivi tuna import mpaka njiti za kuchokonolea meno nasikia.

Na hiyo ndio sababu wazalishaji wataendelea ku controll uchumi wetu. Mfano ukiangalia malalamiko ya waagizaji wengi wa mafuta na wafanyabishara wa kariakoo kilio kikubwa ni DOLA. Hili ni kwasababu dola ndio inayotumika sana katika masoko tunayoagiza bidhaa. Lakini tungekuwa tunazalisha wenyewe tungetumia pesa zetu zaidi, matokeo yake thamani ingependa.

 

[Kiranga]

Kaka hii issue ya riba zinazopangwa na nyenzo(wakopeshaji) mbalimbali katika soko la fedha inatakiwa kuwa +/-2 chini au juu ya riba ya Bank kuu, wewe unaielewaje?

Hiyo itakuwa zaidi ya 5.5% kwa at least 2%. Kwa sababu BOT ndio wanakopesha commercial banks/ financial institutions kwa 5.5%, banks nazo zinaweka cha juu chake, kuna mambo ya kuangalia risk hapo, na wabongo wengi hawana credit history nzuri, bad loans kibao. Usishangae mkopo ukicheza 15-20% by the time unaupata.

Hiyo 5.5% ni baseline ya BOT, absolute minimum kwenye kukopesha benki za biadhara, hapo kati kuna asilimia nyingi tu za watu wa kati.

Tegemea hela kuwa ngumu zaidi kupatikana.

Tunaweza kupata stagflation.

Yani uchumi haukui, kazi hamna, hela haipatikani, na bei za vitu zinapanda.

 

[Being_neutral]

Daah ukweli mchungu sisi watanzania vitu kama hivi hatuvijui. Huu uzi ungekuwa wa mapenzi ungekuwa ni 100+ pages.
Hata ukiangalia milard ayo hii post koment zake mtu anaweka 🔥🔥🤣🤣 daah nchi yangu acha tu CCM. itubebe

 

[Being_neutral]

Hii riba imepanda au imeshuka?

Nimesoma Reuters na XINHUA wote hawajaeleza ilikuwa wapi kabla ya kuwekwa 5.5%

Kitu kimoja muhimu kinachofanywa na riba ni ju control upandaji wa level ya bei (inflation).

Kwa Tanzania, kuna sehemu kubwa ya inflation inatikana na imports (imported inflation).

Hivyo, kwenye sehemu hii ya ku control inflation, kucheza na riba pekee hakutasaidia sana, ikiwa hatutajifunza kuzalisha kila tunachoweza kuzalisha wenyewe nchini.

Pia, kama tunaagiza sana kutoka nchi bila ya kuwa na balance of trade nzuri, tutahitaji dola sana, na hiyo dola interest rate yake inakuwa cobtrolled na Federal Reserve ya US, Benki Kuu yao. So kwa kiasi kikubwa itabidi tuangalie US wanaenda wapi.

Hapo ndipo umuhimu wa hoja za Rais William Ruto wa Kenya za kujitoa kwenye uchumi wa kutegemea US dollar bila sababu unapoonekana.

Mchumi nguli Mohammed El-Erian aliandika kitabu kizuri sana kinaitwa "The Only Game in Town : Central Banks, Instability and Recovering From Another Collapse" kimeelezea matatizo ya kutegemea sana Central Bank katika kupambana na matatizo ya kiuchumi.

https://www.reuters.com/world/africa/tanzania-central-bank-sets-policy-rate-55-2024-01-19/

Daah natamani kuelewa sema ndo sikusoma🤣🤣 shida tupu.
Hongera ndugu

 

[Kiranga]

Na hiyo ndio sababu wazalishaji wataendelea ku controll uchumi wetu. Mfano ukiangalia malalamiko ya waagizaji wengi wa mafuta na wafanyabishara wa kariakoo kilio kikubwa ni DOLA. Hili ni kwasababu dola ndio inayotumika sana katika masoko tunayoagiza bidhaa. Lakini tungekuwa tunazalisha wenyewe tungetumia pesa zetu zaidi, matokeo yake thamani ingependa.

Rais William Ruto wa Kenya kaongelea sana hili la US dollar.

Sasa hivi eti Tanzania tukitaka kununua bidhaa kutoka nchi za Afrika tunatumia US dollar, settlement inafanyika US Federal Reserve New York Branch. Tunampa Mmarekani umuhimu katika biashara ambazo hata hazimhusu.

Wakati tungeweza kutumia hela zetu tu bila kujali US dollar.

I expected Rais Mzalendo angekomaa na mambo kama haya, lakini mpaka anafariki sijui hata akama alielewa somo.

Ruto kaliongelea, but I don't know how much support he has.

Sijui siasa za Kenya sana, but on this, Ruto is right on the money.


View: https://youtube.com/shorts/fjF2hW12Km4?si=cbomnFqcH-SiWbdA

 

[Kiranga]

Daah natamani kuelewa sema ndo sikusoma🤣🤣 shida tupu.
Hongera ndugu

Hujaelewa wapi?

Nipe changamoto nikueleweshe kama mtu asiyejua kitu.

Mimi mwenyewe haya mambo nayapenda na najifunza mengi, hususan kupitia kuelezea wengine.

 

[Yamungu Jeremiah]

Hiyo itakuwa zaidi ya 5.5% kwa at least 2%. Kwa sababu BOT ndio wanakopesha commercial banks/ financial institutions kwa 5.5%, banks nazo zinaweka cha juu chake, kuna mambo ya kuangalia risk hapo, na wabongo wengi hawana credit history nzuri, bad loans kibao. Usishangae mkopo ukicheza 15-20% by the time unaupata.

Hiyo 5.5% ni baseline ya BOT, absolute minimum kwenye kukopesha benki za biadhara, hapo kati kuna asilimia nyingi tu za watu wa kati.

Tegemea hela kuwa ngumu zaidi kupatikana.

Tunaweza kupata stagflation.

Yani uchumi haukui, kazi hamna, hela haipatikani, na bei za vitu zinapanda.

Daah, binafsi nilipoona +/-2% nikaona kama unafuu mkubwa. Maana Hizi commercial banks kama zingefuata huo msingi mfano kwa ku add +2% bado kungekuwa na unafuu wa Riba kwa mkopaji. Sema ndio kama hivyo umesema kuna mambo hapo kati yanaweza kuongeza zaidi riba. Mara ya mwisho niliongea na afisa mikopo wa Akiba Commercial Bank akaniambia private loan wanaanzia 5m na riba ni 24% Nilikuwa disappointed sana. Ila vipi kuhusu hili suala la Central Bank kufuatilia na kuwaadhibu watakaokiuka?