Kwanini nchi za Afrika ikiwemo Tanzania bado maskini licha ya kupokea Misaada na Mikopo ya mamilioni ya Fedha kutoka nchi zilizoendelea? - Part I

80% mifukoni mwa watawala, 20% tunajengea madarasa na madaraja.
Kenya formula ni hiyo hiyo lakini pesa wakiiba Kenya wanawekeza ndani ya Kenya. KAMA kweli viongozi wetu wezi pesa wanawekeza wapi mbona wachovu tu na hawahami nchi wao na watoto wao?
 
Uko sahihi hakuna mzungu anayezuia teknolojia kugunduliwa Africa kuna mzungu mmoja alisema nasikia mna teknolojia ya kuruka na ungo Kama usafiri wa anga akasema si mfungue Viwanda vya nyungo muuze na muanze safari za kusafirisha abiria kwa njia ya anga mshindane kibiashara na ndege za Wazungu? Teknolojia hiyo Africa tunayo na hakuna mzungu kazuia Sasa mbona hatuitambui commercialize? Tuandike kama wao Fly KLM au fly Swiss air sisi zetu Tuandike fly Ungo the best and fastest flight in the world?
Mwafrika uroga Ili afurahishe nafsi Mzungu uroga Ili apate atakacho.
Uchawi wa mwafrika hauna faida
 
Hivi kwanini tusimkodishe mtu kutoka nje awe raisi na mawaziri kadhaa kutoka nje mfano wa fedha, mipango na utalii?
 
Mkuu 'FM WOLLE', kukusaidia kupata jibu sahihi kwa swali lako, nami ningependa nikuulize wewe na wasomaji wako wengine swali, ambalo kama mnaweza kulijibu kwa usahihi, basi swali lako nalo litakuwa limepata jibu:

Kuna nchi ngapi duniani ambazo zilishapata maendeleo kutokana na misaada?

Usikimbilie kujibu hili swali bila ya tafakuri makini juu yake, kama kweli nia yako ya kutaka jibu ya swali lako ni halali.
Nchi nyingi sana zimepata maendeleo kwa njia ya misaada.
Ujerumani iliharibika vibaya wakati wa vita kuu ya pili, misaada ya "Marshall plan" iliwezesha nchi kurudi haraka; jambo muhimu lilikuwa "rasilmali ya kibinadamu" yaani idadi kubwa ya mahandisi na wanasayansi waliokuwepo, na wafanyakati wenye uzoefu wa kutenda kazi kwa umakini, (pamoja na kukosa utamaduni wa rushwa) lakini kwa viwanda na miundombinu vilivyoharibika, misaada hiyo ilikuwa muihimu.

Ukipenda kuona nchi zilizopokea viwango vikubwa vya misaada, angalia orodha chini. Kuna nchi zinazotumia pesa hiyo kwa manufaa yao, nchi nyingine ni hodari kumeza kila kitu bila kuendelea kweli.
(Nataja tu zile zilizopokea zaidi ya bilioni $ kwa mwaka)

Official Development Assistance received in millions of US dollars[2]
ContinentCountry2012201320152019
WORLD[TOTAL]
97,462.6​
152,727.7​
167,800.3​
AFRICA[TOTAL]
46,003.5​
ASIA[TOTAL]
25,970.5​
MIDDLE EAST[TOTAL]
11,258.7​
AMERICAS[TOTAL]
7,782.4​
AsiaAfghanistan
6,725.0​
5,265.95​
4,237.29​
4,284.41​
EUROPE[TOTAL]
5,439.9​
AsiaVietnam
4,115.7​
4,084.7​
3,157.36​
1,094.63​
AfricaEthiopia
3,261.3​
3,826.2​
3,233.71​
4,809.97​
AsiaTurkey
3,033.1​
2,740.5​
2,145.22​
824.90​
AfricaCongo, Dem. Rep.
2,859.3​
2,572.2​
2,599.04​
3,025.53​
AfricaTanzania
2,831.8
3,430.2
2,582.24
2,153.14
AfricaKenya
2,654.0​
3,236.2​
2,464.18​
3,250.97​
AfricaCôte d'Ivoire
2,635.6​
1,262​
653.06​
1,201.23​
AsiaBangladesh
2,152.0​
2,669.1​
2,570.1​
4,482.60​
AfricaMozambique
2,096.9​
2,314.1​
1,814.74​
1,907.78​
AsiaPakistan
2,019.0​
2,174.1​
3,747.5​
2,170.74​
AfricaNigeria
1,915.8​
2,529.4​
2,431.5​
3,517.32​
AfricaGhana
1,807.9​
1,330.5​
1,768.69​
936.32​
AfricaEgypt
1,806.6​
5,505​
2,499.43​
1,740.59​
Middle EastSyria
1,671.5​
3,626.7​
4,889.74​
10,249.81​
AsiaIndia
1,667.63​
2,435.68​
3,174.35​
2,610.58​
AfricaUganda
1,655.1​
1,692.5​
1,628.2​
2,100.01​
AfricaSouth Sudan
1,578.0​
1,447.4​
1,674.83​
1,885.27​
AfricaMorocco
1,480.3​
1,966.1​
1,481.43​
757.86​
Middle EastJordan
1,416.9​
1,407.9​
2,151.85​
2,797.18​
Middle EastIraq
1,300.7​
1,541.4​
1,482.94​
2,211.90​
AmericasHaiti
1,275.1​
1,170.5​
1,045.86​
726.46​
AfricaMalawi
1,174.6​
1,125.8​
1,049.38​
1,206.22​
AfricaBurkina Faso
1,158.5​
1,040.11​
996.99​
1,148.81​
EuropeSerbia
1,089.8​
783.2​
312.48​
570.70​
AfricaSenegal
1,080.1​
982.8​
879.12​
1,443.88​
AfricaSouth Africa
1,067.1​
1,292.9​
1,420.27​
971.48​
AfricaTunisia
1,017.0​
713.6​
474.54​
984.03​
AfricaMali
1,001.3​
1,391.3​
1,204.13​
1,863.21​
AfricaZimbabwe
1,001.2​
811​
788.29​
974.89​
 
Tatizo fedha nyingi zinazopatikana iwe kwenye makusanyo ya kodi au Misaada na mikopo kutoka nje zinaishia kwenye kuhudumia tabaka dogo la watawala(rulling class)
Hebu fikiria kwenye jimbo au Wilaya moja kuna
1.Mkuu wa Wilaya
2.Mkurugenzi
3.MBUNGE
4.Katibu Tawala
5.Mwenyekiti wa Halmashauri na Madiwani
Hapo hujaenda Serikali kuu,tunatumia fedha nyingi kuhudumia kikundi cha watu wachache kuliko kuhudumia wananchi walipa kodi na tozo wa nchi hii
Tungekuwa ni watu makini (tuliomo JF) huu ungekuwa ni mjadala mahsusi, tena wenye ushahidi wa tarakimu kuonyesha matumizi makubwa kwa watumishi hawa.

Tungedadavua na faida za kuwa nao watu hao wote sehemu hizo walipo kuonyesha umuhimu wao.

Lakini muda wa kufanya hivyo hatuna, na badala yake tunapapasa tu na kwenda zetu.
 
Nchi nyingi sana zimepata maendeleo kwa njia ya misaada.
Ujerumani iliharibika vibaya wakati wa vita kuu ya pili, misaada ya "Marshall plan" iliwezesha nchi kurudi haraka; jambo muhimu lilikuwa "rasilmali ya kibinadamu" yaani idadi kubwa ya mahandisi na wanasayansi waliokuwepo, na wafanyakati wenye uzoefu wa kutenda kazi kwa umakini, (pamoja na kukosa utamaduni wa rushwa) lakini kwa viwanda na miundombinu vilivyoharibika, misaada hiyo ilikuwa muihimu.

Ukipenda kuona nchi zilizopokea viwango vikubwa vya misaada, angalia orodha chini. Kuna nchi zinazotumia pesa hiyo kwa manufaa yao, nchi nyingine ni hodari kumeza kila kitu bila kuendelea kweli.
(Nataja tu zile zilizopokea zaidi ya bilioni $ kwa mwaka)

Official Development Assistance received in millions of US dollars[2]
ContinentCountry2012201320152019
WORLD[TOTAL]
97,462.6​
152,727.7​
167,800.3​
AFRICA[TOTAL]
46,003.5​
ASIA[TOTAL]
25,970.5​
MIDDLE EAST[TOTAL]
11,258.7​
AMERICAS[TOTAL]
7,782.4​
AsiaAfghanistan
6,725.0​
5,265.95​
4,237.29​
4,284.41​
EUROPE[TOTAL]
5,439.9​
AsiaVietnam
4,115.7​
4,084.7​
3,157.36​
1,094.63​
AfricaEthiopia
3,261.3​
3,826.2​
3,233.71​
4,809.97​
AsiaTurkey
3,033.1​
2,740.5​
2,145.22​
824.90​
AfricaCongo, Dem. Rep.
2,859.3​
2,572.2​
2,599.04​
3,025.53​
AfricaTanzania
2,831.8
3,430.2
2,582.24
2,153.14
AfricaKenya
2,654.0​
3,236.2​
2,464.18​
3,250.97​
AfricaCôte d'Ivoire
2,635.6​
1,262​
653.06​
1,201.23​
AsiaBangladesh
2,152.0​
2,669.1​
2,570.1​
4,482.60​
AfricaMozambique
2,096.9​
2,314.1​
1,814.74​
1,907.78​
AsiaPakistan
2,019.0​
2,174.1​
3,747.5​
2,170.74​
AfricaNigeria
1,915.8​
2,529.4​
2,431.5​
3,517.32​
AfricaGhana
1,807.9​
1,330.5​
1,768.69​
936.32​
AfricaEgypt
1,806.6​
5,505​
2,499.43​
1,740.59​
Middle EastSyria
1,671.5​
3,626.7​
4,889.74​
10,249.81​
AsiaIndia
1,667.63​
2,435.68​
3,174.35​
2,610.58​
AfricaUganda
1,655.1​
1,692.5​
1,628.2​
2,100.01​
AfricaSouth Sudan
1,578.0​
1,447.4​
1,674.83​
1,885.27​
AfricaMorocco
1,480.3​
1,966.1​
1,481.43​
757.86​
Middle EastJordan
1,416.9​
1,407.9​
2,151.85​
2,797.18​
Middle EastIraq
1,300.7​
1,541.4​
1,482.94​
2,211.90​
AmericasHaiti
1,275.1​
1,170.5​
1,045.86​
726.46​
AfricaMalawi
1,174.6​
1,125.8​
1,049.38​
1,206.22​
AfricaBurkina Faso
1,158.5​
1,040.11​
996.99​
1,148.81​
EuropeSerbia
1,089.8​
783.2​
312.48​
570.70​
AfricaSenegal
1,080.1​
982.8​
879.12​
1,443.88​
AfricaSouth Africa
1,067.1​
1,292.9​
1,420.27​
971.48​
AfricaTunisia
1,017.0​
713.6​
474.54​
984.03​
AfricaMali
1,001.3​
1,391.3​
1,204.13​
1,863.21​
AfricaZimbabwe
1,001.2​
811​
788.29​
974.89​
Mkuu, usifikiri hilo la "Development Assistance" ni jipya na kwamba hata sisi wengine hatulijui. Tunalijua sana, ila hatukubaliani na wewe juu ya misaada hiyo kuleta maendeleo ndani ya nchi hizo unazotutolea kama mfano.
 
Sio kweli idadi ya watoto iwe kikwazo cha kutoendelea
Sasa kama idadi kubwa ya familia moja moja hazina uchumi ulioimara kiasi cha kushindwa kujihudumia zenyewe hapo utasema idadi kubwa ya watoto siyo kikwazo? Familia zenye uchumi mzuri ndo zinaweza kujenga jamii yenye maendeleo na serikali Bora na siyo Bora serikali, hata hao tunaowatolea mfano, marehemu Mengi angalia idadi ya watoto na uchumi wa familia kama familia, hata maandiko yanasema chakula cha watoto huwezi kuwapa mbwa maana yake uwe na chakula kingi cha kushibisha watoto wako Ili ziada uwape wengine, kitu kinachoweza kuondoa umasikini ni Kila mtunza familia awe na kazi ya kuingiza kipato iwe hata kwa viboko serikali ndo kitu ilitakiwa kusimamia au kutengeneza katiba ya Kila mtu akifikisha umri wa kufanya kazi apewe kazi afanye kama ukiwa hujapata kazi kwa muda wa miezi mitatu baada ya shule upelekwe mashamba ya serikali mpaka ajira yako itakapopatikana.
 
The problems is how aid used.Aid never been a problem


It's true Kalonji , but I would like to elaborate about why "It is the problem for African countries"

Let me tell you this!, International aid from IMF, World Bank and all Donor Countries failed entirely because they have relied a lot on monetary aid. Monetary aid often ends up funding corrupt power structures which are part of the problem. But "how it's used" is not a fundamental problem. You know why?, bcoz "you can't make African rich by giving them only money", you can just only make them less poor for a while. The money aids has to be put to work within a society that understands and willing to do something with money to produces and sustains wealth. But in Africa money will just consumed then it's gone, even if it used properly but soon or later poverty will return. You know why?

Because in order for any country to become wealthy, they must create wealth within their country. That is, they must first focus on the development of their citizen by providing better Education with ability to solve problems in their society, ability to self-employed and good employ-ability. Then after that they must focus on
1. Use natural resources to develop their country ( if they have one)
2. Develop internal industries both small scale and large factories
3. Improve agriculture productions
4. To have Access to a global trade
5. focus on productions to exports, this minimize any deficit and keep rich foreign cash reserves,
6. Catch up with modern technology
and last not the least Country should produce something of value to themselves and to the rest of the world.

So the problem with aid to Africa is that!, it does not solve the structural problems. Most African economies are extractive and by giving those economies more funds to extract, it becomes a vicious circle. Aids tries to teach African how to do things to improve their condition, but without the proper context that help them understand why and where they can fit into the global economic infrastructure, they have no real incentive beyond putting the knowledge to work to enhance what they already do, but not grow beyond those limitations.

Let assume this; I give you money and Farm inputs to be a better farmer. But you know what? unless you understand how that opens the door to trade and, combined with the right understanding and ambition, results in the production of excess with the intend of trading it up, it serves only to better enable you to do only what you currently do. Also, you just can't export industry. We forget that in the West, and most of the rest of the developed and developing world, the infrastructure, knowledge and supportive systems that sustain the wealth production capability was built over years. With the infrastructure cones a learned and cultivated ability to know what to do with it, how to use it, and the skills to do so. These things are not so easily exported, but are essential for the infrastructure to be productive.

I insist to say that Aid is problem in Africa. Don't you see its Increase dependency? it's very sad we witness most African countries become increasingly dependent on donor countries, and become heavily indebted. And they go farther to the extent that donor country may place economic and political pressure on the receiving country, forcing them to return the favor. Also some Aids have hidden Agenda of Foreign-Owned Corporations; Foreign aid is sometimes given to a country or recipient to benefit foreign-owned corporations and entities. So the help is not actually directed to the less fortunate, but to its own people.
 
Sasa kama idadi kubwa ya familia moja moja hazina uchumi ulioimara kiasi cha kushindwa kujihudumia zenyewe hapo utasema idadi kubwa ya watoto siyo kikwazo? Familia zenye uchumi mzuri ndo zinaweza kujenga jamii yenye maendeleo na serikali Bora na siyo Bora serikali, hata hao tunaowatolea mfano, marehemu Mengi angalia idadi ya watoto na uchumi wa familia kama familia, hata maandiko yanasema chakula cha watoto huwezi kuwapa mbwa maana yake uwe na chakula kingi cha kushibisha watoto wako Ili ziada uwape wengine, kitu kinachoweza kuondoa umasikini ni Kila mtunza familia awe na kazi ya kuingiza kipato iwe hata kwa viboko serikali ndo kitu ilitakiwa kusimamia au kutengeneza katiba ya Kila mtu akifikisha umri wa kufanya kazi apewe kazi afanye kama ukiwa hujapata kazi kwa muda wa miezi mitatu baada ya shule upelekwe mashamba ya serikali mpaka ajira yako itakapopatikana.
Hapo ni suala la elimu ukiwapa elimu wote wakazalisha unakuwa na manpower ya kutosha.
Umasikini wetu chanzo ni elimu ndogo ya kuweza kubadili raslimali tele zinazotuzunguka na kuwa fursa
 
Pamoja na jibu lako zuri, ambalo kimsingi naliunga mkono, sikubaliani nawe katika mlinganisho huo wa nchi za ulaya na hizi zetu, hasa Tanzania.

Tumepata uhuru takribani miaka sitini sasa. Ndio, tulianzia chini sana, na uwezo wetu ulikuwa mdogo sana, lakini muda huo ni muda mzuri na wa kutosha sana kuleta mabadiliko chanya kuliko haya tuliyofikia sasa hivi kama tungekuwa makini na kufanya mambo yetu kwa ueledi na uhakika zaidi.
Leo hii, hata yale mambo mazuri tuliyokuwa tumekwishayatimiza, ni kama tunarudi nyuma, kwa sababu hatuna tabia ya kuwa na kumbukumbu ya mazuri tuliyokwishafanya na kuyaendeleza ili tusigharimie tena kuyafanya upya. Ni kama serikali yetu haina kumbukumbu, pamoja na kwamba ni chama kilekile kinachounda serikali hizo. Wakati mwingine, serikali hiyo hiyo inarudia tena makosa yale yale yaliyofanyika huko nyuma.
Utapataje maendeleo kwa hali ya namna hiyo!

Pili, sisi haitulazimu tena tukagundue kurudumu upya. Kuna mambo mengi sana tunayotakiwa kugezea tu yalivyofanywa na wengine ili nasi tufaidike nayo. Hata kama ikilazimu kubadili kidogo ili yalingane na hali yetu ilivyo, isingekuwa vigumu na kutuchukua muda mrefu namna hii kuleta mabadiliko ya maisha ya wananchi wetu.

Jambo ninalojua ni moja. Tunakosa kiongozi mwenye dira na usimamizi wa dira hiyo ili kutufikisha kwenye hayo anayoamini nchi yetu inayahitaji.

Chukulia mfano wa kilimo na elimu tu, maeneo mawili ambayo mimi naamini yangeweza kutubadilisha haraka sana kama nchi kama yangewekewa mkazo unaostahiri. Sisemi kamwe hapa kwamba mengine yote yataachwa, lakini haya mawili yawe na kipa umbele cha ziada katika uongozi wa kiongozi shupavu na imara ndani ya miaka kumi.
Kilimo ambacho wananchi wetu wengi ndiko wanakopatia ridhiki yao, wakapata mbegu bora, vitendea kazi na ushauri mahususi juu ya kazi zao; na serikali ikafanya kila iwezalo kuwasaidia kutafuta soko la mazao yao..., hali itakuwaje ndani ya miaka kumi?

Elimu yetu inaonekana kama tunarudi kinyumenyume. Tunakuwa na wasomi wengi, lakini thamani ya wasomi hawa inakuwa haijionyeshi katika jamii. Ni hawa hawa wahitimu wetu ndio tunaowategemea wasaidie kuleta mabadiliko ndani ya jamii zetu. Lakini sasa angalia tunavyokwenda, hata mashirika ya Vodacom na Tigo hawawezi kabisa kupata watu ndani ya nchi hii wa kuendesha vikampuni hivi, baada ya miaka sitini ya kufundisha watu wetu wenyewe?

Mkuu Bepari2020, nakumbuka mara ya mwisho tulikutana kule kwa Kagame na Rwanda yake. Pamoja na kwamba hatukuweza kukubaliana katika yale mambo huko, leo hii nitakubali katika hili moja la yeye kuwa na dira, basi.

Umetolea mfano wa nchi za Ulaya, sijui utasemaje kuhusu nchi kama Malaysia, Vietnam na nyingine ambazo nazo zimeibuka kutoka kwenye umaskini miaka kadhaa baada ya kuwa huru.

Sekta ya kilimo tuliyoitilia mkazo tangu tumepata uhuru ilidorora kwa sababu nyingi tuu ambazo ziko nje ya uwezo wa serikali. Kwa mfano bei za mkonge ziliporomoka kwenye soko la dunia walipogundua katani feki. Kahawa tulikuwa ni moja ya wazalishaji wakubwa siku hizi mpaka China inalima kahawa tena inazalisha kahawa kuliko sisi. Pamba nayo ni vile vile. Korosho kidogo ina afadhali sasa. Labda serikali iwekeze sana kwenye kilimo cha korosho tuone tutafikia wapi.

Kwenye swala la elimu nakubaliana na wewe ila hata kama tungeboresha elimu, ajira ziko wapi? Vijana wetu hata wakienda kusoma nje ya nchi wakirudi wataajiriwa na nani? Wengi wanabakia kuhangaika na maisha bila kujua maisha yao yakoje huko mbele. Wanabakia kufanya kazi ambazo wangeweza kuzifanya bila ya familia zako kutumia au kukopa hela nyingi za kuwasomesha. Na hata serikali ingesema makampuni ya nje yote yanayowekeza hapa lazima yajiiri Watanzania tuu, bado kutakuwa na tatizo la ajira.

Halafu nchi za Afrika kuzilinganisha na nchi za Malaysia na Vietnam siyo sawa. Kihistoria hizo nchi hazikuongozwa kikabila kama nchi zetu. Sisi mfano wetu ni nchi kama Afghanistan au nchi kama Iraq. Kihistoria watu wa hizo nchi walikuwa wanaongozwa kikabila mpaka pale zilipotawaliwa na wakoloni. Kwa Afghanistan, Marekani imetumia zaidi ya dola trilioni moja, wamekaa miaka 20 na bado wameshindwa kuleta maendeleo kwenye nchi ya watu milioni 38 tuu. Maendeleo yameishia Kabul, sehemu zingine bado masikini.
 
Hili la kuwaza viongozi Kila wakati si kweli mabilionea wakina Billy gates waliogundua. Microsoft hawakusaidiwa au kupewa dira na kiongozi yeyote awe wa serikali au yeyote au dira ya nchi akili zao ziiamka za wao kama wao
Wagunduzi wa Internet, simu, magari nk wote hakuna cha serikali wala nini
Wenzetu kwa asilimia kubwa huamini kuwa hatima ya maisha yao imo mikononi mwao wao wenyewe kama individuals sisi sababu tuko wavivu hatutaki kubeba responsibility hatima zetu tunasukumia viongozi! !!! Hivyo tunasababisha bongo zetu kulala sababu tutakuwa tumekabidhi viongozi ndio wawaze kwa niaba yetu ambao nao Ni bongolala kama sisi hawana tofauti sana na sisi! ! !! Mjinga akikabidhi mijinga kiongozi awaze kwa niaba yake matokeo yake yatakuwaje? Ndipo tulipo tuamke! !!!

Sasa Mungu aliumba ubongo kwenye kichwa cha kila mtu wa nini? Je ni kutumia tu kujua Choo kiko wapi au?
Maelezo yako mazuri sana tena mnoo ila umesahau " Mfumo wa Elimu Tanzania ni tofauti na hizo Nchi "" Elimu ndio kila kitu. Watanzania hawana makosa tatizo viongozi ( Sera ) wetu na dira au Sera zao.

Amesema mdau mmoja hapo juu "tungeboresha kilimo na Elimu tungekuwa tumemaliza kila kitu.""
 
Maelezo yako mazuri sana tena mnoo ila umesahau " Mfumo wa Elimu Tanzania ni tofauti na hizo Nchi "" Elimu ndio kila kitu. Watanzania hawana makosa tatizo viongozi ( Sera ) wetu na dira au Sera zao.

Amesema mdau mmoja hapo juu "tungeboresha kilimo na Elimu tungekuwa tumemaliza kila kitu.""
Kama elimu ni kila kitu mbona serikali na wazazi wamesomesha watoto nje ya nchi developed countries from kindergarten to university lakini bado wako hopeless hawana cha ugunduzi wowote pamoja na kulipia tuition fees mamilioni?
 
Hivi itakuwaje, ikitokea labda nchi inauza kipande chake cha ardhi chenye rasilimali mfano dhahabi, halafu hizo pesa mnaboresha nyanja zote muhimu za kiuchumi, je, nchi itaendelea kuwa maskini?

Tatizo siyo wazungu, tatizo ni sisi wenyewe Watanzania! Sisi Watanzania ni wabinafsi, hatupo tayari kutengeneza future ya nchi kwa kidogo tunachokipata!
 
Kwa Tanzania, mafanikio ni prrsonal struggle. It is never and never shall it be a community struggle.

Ukiisubiri nchi iendelee utakufa maskini utaiacha ilivyo hivi hivi.
 
Kama elimu ni kila kitu mbona serikali na wazazi wamesomesha watoto nje ya nchi developed countries from kindergarten to university lakini bado wako hopeless hawana cha ugunduzi wowote pamoja na kulipia tuition fees mamilioni?
Development is a personal struggle. Mara chache kuna kurithi utajiri. Lakini zaidi personal ambition ndiyo chanzo cha utajiri.

Elimu ya kwenye makaratasi haijawahi kuwa chanzo pekee cha kupata mafanikio na utajiri. Elimu ni ufunguo tu... kazi ipo ndani ukishaingia, kufanya maamuzi sahihi, kuchnagamkia fursa nk.
 
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