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LAPF hatarini kuwatosa wanachama

Discussion in 'Habari na Hoja mchanganyiko' started by Kamanda, May 19, 2017.

  1. Kamanda

    Kamanda Senior Member

    #1
    May 19, 2017
    Joined: Dec 5, 2007
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    Nimesikia na kusoma malalamiko mengi sana, tena kwa muda mrefu sasa, kuhusu mfuko wa pensheni wa LAPF.

    Kinachoonekana kulalamikiwa na ndiyo ukweli, baada ya kuwa nimethibitisha, ni hatari kwa mfuko huo, kupoteza nguvu yake kiuchumi na kifedha baada ya kuamua kugeuka benki.

    Ndiyo, mfuko unajifanya kuwa benki kwa kuanza kukopesha pesa za wanachama wake kwa wanafunzi wa vyuo vikuu na taasisi za elimu ya juu, kwa lengo la kujiongezea mapato. Lakini, amini naaambieni, hawa sasa wanakaribia kuanguka.

    Inakuwaje LAPF itoe fedha moja kwa moja kwa wanafunzi hao, eti mdhamini akiwa mwajiri? Hawaoni kuwa huko ni kuweka fedha zetu mdomoni mwa choo cha shimo? Kwamba lazima zitatumbukia.

    Iweje hawa wanashindwa kuiga wenzao kama PSPF ambao wamejiwekea utaratibu mzuri wa kutoa fedha za wanachama kupitia benki?

    Chondechonde jamani LAPF, acheni kukopesha fedha zetu moja kwa moja kwa wanachama wenu wapya. Mtatuuuaaaa.

    Sikieni malalamiko ya sie wanachama wengi, tena wa siku nyingi, kwamba hilo fao lenu halifaiiii
     
  2. stranger man

    stranger man JF-Expert Member

    #2
    May 19, 2017
    Joined: Nov 19, 2014
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    Wacha roho.mbaya hiyo mkuu kikubwa unafuu mikopo yote ina bima!
     
  3. nivoj.sued

    nivoj.sued JF-Expert Member

    #3
    May 19, 2017
    Joined: Jul 14, 2009
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    Naungana na mleta uzi.

    Wanachokifanya LAPF ni makosa kwa sababu kadhaa.

    1. Kwanza, kwa mujibu wa mwongozo wa BOT hawa LAPF hawaruhusiwi kutoa pesa moja kwa moja kwa mtu yeyote. Kila senti kutoka LAPF kwenda kwa mtu yeyote lazima ipitie benki.

    2. Pili, kanuni za SSRA zinawakataza kufanya wanachofanya sasa hivi.

    3. Na tatu, utaratibu wao hauendani na kanuni za financial risk assessment and mitigation. Kanuni hizi zinasema: kabla ya kutoa mkopo lazima kujuridhisha kuwa anayekopeshwa anayo dhamana (collateral) yenye uwezo wa kufidia fedha pindi lolote likitokea.

    LAPF tafakarini matendo yenu....
     
  4. Galapagosi

    Galapagosi JF-Expert Member

    #4
    May 19, 2017
    Joined: Apr 21, 2017
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    Wamejipanga hawajakurupuka hao.
     
  5. 1974hrs

    1974hrs JF-Expert Member

    #5
    May 19, 2017
    Joined: Oct 27, 2014
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    10% mipigo itapatikanaje?
    Tukifuata hiyo chain!!
     
  6. R

    Rtbkazoba JF-Expert Member

    #6
    May 19, 2017
    Joined: Jan 18, 2016
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    Hawa LAPF ni jibu. Yaani wao kazi kujiingiza kwenye mafao ya kupiga pesa. Hii ni sawa na mikopo iliyokuwa ikitolewa na Meridian Biao Bank na Barclays na hata StanChart, kwamba wanategeneza majina feki, akaunti feki, kampuni feki, waidhinishaji feki na mwisho wa siku wanapiga hela. Tena sio wale mabosi tu, hata vidampa, wanaozunguka kusaka vijana feki.

    Tena naomba serikali isiwape kabisa hawa wafanyakazi wapya wanaoajiriwa. Wooteeee waende maeneo mengine, hasa ifuko yenye akili, inayojitambua. Ipo suala ni kufuatilia tu na kujua ipi ni sahihi.

    Hili fao hatari sana. Liondolewe.

    Ewe baba Magufuli, waangalie hawa na ikikupendeza watumbue woooooteeeee.
     
  7. Kamanda

    Kamanda Senior Member

    #7
    May 19, 2017
    Joined: Dec 5, 2007
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    Uwii LAPF mtatuuuaaaa

    Jamani jamani, ngoja niwape hii. Ukweli huu tusiupuuze. Wanyamakua wana msemo kwamba mdharau mwiba, guu huota tende. msidharau kabisa hii. Hali ni mbaya. Someni hii cutting...

    Kuna hatari kubwa hatua zisipochukuliwa.

    Rais Magufuli hebu tuokoe baba yetu. Tutakosa mwana na maji ya moto
     

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  8. Mozu1991

    Mozu1991 JF-Expert Member

    #8
    May 19, 2017
    Joined: Feb 14, 2013
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    gazeti gan hilo mkuu na la mwaka gan
     
  9. Kamanda

    Kamanda Senior Member

    #9
    May 19, 2017
    Joined: Dec 5, 2007
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    Gazeti la juzijuzi, nimeliacha kwa ofc, nadhani ni mawio au nipashe, sikumbuki vyema. Ngoja kesho naweza kucheki na kuweka hapa.
     
  10. Kamanda

    Kamanda Senior Member

    #10
    May 20, 2017
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    Hapa ni wizi mtupu. Ni jipu, lazima serikali iwe makini
     
  11. Mzee wa Ndogo

    Mzee wa Ndogo JF-Expert Member

    #11
    May 20, 2017
    Joined: Oct 29, 2012
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    Duuuh ahsante kwa taarifa muhimu mkuu...
     
  12. Qurie

    Qurie JF-Expert Member

    #12
    May 20, 2017
    Joined: Aug 9, 2015
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    Kwenye hiyo number tatu naomba nikuulize kitu mkuu.... Kwani mkopo hautakatiwa bima kwa ajili ya lolote litakalo tokea???
     
  13. I

    Ishimba Member

    #13
    May 28, 2017
    Joined: May 19, 2017
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    Ninavyojua mie, hata kama utakuwa na bima, zipo taratibu za kufanya walipwe na sababu hizo ni kifo, ulemavu wa kudumu. Yawezekana zipo sababu zingine.
     
  14. I

    Ishimba Member

    #14
    May 28, 2017
    Joined: May 19, 2017
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    Nimejipa kazi ya kufuatilia hii mifuko ya pensheni, ili kubaini ipi inaweza kuwa na ufanisi wa uhakika na isiyoleta usumbufu kwa wanachama pindi wanapopata shida yoyote.

    Nimegundua kuwa PSPF wana uhakika zaidi na hii ndiyo inawafanya kuendelea kuwa juu na hata kuaminika kwa idadi kubwa ya wananchi, wakiwamo viongozi wakuu wa kitaifa.

    Hawa jamaa kwa kweli wanajitahidi sana na ushahidi ninao kwa nyanya yangu ambaye alikumbana na tatizo la afya na kulazimika kustaafu mapema. Hakika alipata stahiki zake mapema sana.

    Nimeambiwa kuwa hawa jamaa pia wanatoa stahiki kadhaa hata kabla ya kustaafu, ikiwamo kuwajali wastaafu watarajiwa, ambao ni wanachama wao.
     

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  15. I

    Ishimba Member

    #15
    Jun 4, 2017
    Joined: May 19, 2017
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    Nimekuwa nikiwaleza jamani, mifuko hii ya pensheni shidaaaaa. Ona huyu mzee, nimelia sana kusoma historia yake. Oneni yaani anakufa masikini akiwa amejaa ufukara, wakati ana mafao yake. Ameitumikia nchi kwa uaminifu, sasa anakufa kwa kukosa haki zake.

    Angekuwa mfuko wa PSPF, hakika asingekuwa hivi.

    Tumuombee labda kilio chake sasa eti kisikilizwe na rais... kasheshe
     

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  16. MLUGURU

    MLUGURU JF-Expert Member

    #16
    Jun 4, 2017
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    hahahahahaha nshawahi kufanya kazi na hii mifuko ya jamii kwenye kuvuna wanachama....nnachokiona humu ni minyukano ya staff wa hiyo mifuko tu.
     
  17. I

    Ishimba Member

    #17
    Jun 9, 2017
    Joined: May 19, 2017
    Messages: 19
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    Ndugu yangu Mlugulu,

    Wala sio minyukano ya staff, ni ukweli ulio wazi kwamba hawa jamaa wa LAPF wamekuwa wababaishaji sana. Yaani hawana lolote la maana.

    Subiri uone kama wale jamaa zao watalipwa mapema, ungekuwa unalinganisha na wengine, hasa PSPF, ungeamini.

    PSPF wanawahi kulipa, wanatoa mikopo, ofcourse kupitia benki, kwa wanachama wao.

    Kikubwa umeona wanavyowaandaa wanachama wao kwa semina na ushauri kabla ya kustaafu na kupata mapene. Khalghabhaho
     
  18. S

    Slainquick New Member

    #18
    Jul 20, 2017
    Joined: Jul 19, 2017
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    Hawa Lapf hawajamlipa mama yangu toka astaafu mwezi wa kwanza, kila akienda kwenye ofisi zao za Dodoma wanamwambia michango yake haijaletwa toka hazina. Mh.Makonda naomba utusaidie

    Sent using Jamii Forums mobile app
     
  19. c

    chinembe JF-Expert Member

    #19
    Jul 20, 2017
    Joined: May 16, 2015
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    Pspf ni majitu ya hovyo kabisa,hovyo,yaani ulipoyataja umenichefua,ptuuuuuu!!!!!
     
  20. M

    Mwakamele 16 JF-Expert Member

    #20
    Jul 20, 2017
    Joined: Aug 26, 2016
    Messages: 1,512
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