Loan % | JamiiForums | The Home of Great Thinkers

# Loan %

Discussion in 'Jukwaa la Elimu (Education Forum)' started by Kiparaa, Oct 2, 2012.

1. ### KiparaaJF-Expert Member

#1
Oct 2, 2012
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Wadau naomba mnisaidie ku kokotoa % nimepatiwa 3643500 ada 1020000 course Comp. Eng je hiyo ni % ngapi?

2. ### NingaRJF-Expert Member

#2
Oct 2, 2012
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hujui hesabu au tatizonini??

3. ### Changamoto2015JF-Expert Member

#3
Oct 2, 2012
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calculation ya %interest inategemea yafuatayo:-
1. Principal amount ya mkopo
2. Interest expense charged
3. loan duration

Kuna formulas mbili maarufu za jinsi ya kukokotoa interest:-
1. Simple interest formula A= PRT/100 where A= P+I, P= Principal, R = Rate, T= duration ( i.e. years or months)

2. Compound interest formula

A = P( 1+R/100)^T

bank nyingi zinatumia compound interest, nakushauri unapokopa kwenye hizi taasisi tafadhali waombe repayment schedule na uitazame kwa umakini kabla ya kukubali offer yao ya mkopo. hapa watanzania wengi ndio huwa wanaliwa na mwisho wa siku wanajikuta wanalipa riba kubwa mno.

Taja mkopo wako ni wa muda gani na nitajaribu kukokotoa riba kwa formula zote mbili hapo juu.

4. ### KiparaaJF-Expert Member

#4
Oct 2, 2012
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kuuliza c ujinga broo

5. ### NingaRJF-Expert Member

#5
Oct 2, 2012
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acha uvivu wa kuandika wewe c ndo nini hicho? kuuliza sio ujinga lakini angalia na chaluuliza siamini kwa mwanafunzi anae kwenda kusoma computer engineering ashindwe kufanya hesabu ndogo za kutoa,kujumlisha, kugawanya na kuzidisha eti umemaliza form six hebu acha kudhalilisha elimu yetu, jukwaani kumejaa nyuzi kibao zinazo elezea namna ya kokotoa hizo % tuseme huzioni au tatizo ni nini??
hebu kua msomi japo kwa muda, ona hata aibu kwa mwanafunzi ulie soma Mathematics A-Level unauliza swali kama hili?? sio siri umenihizunisha sana, hapo unategemea uwe engineer kweli?? eee Mungu tusaidie taifa hili maana hii inahuzunisha sana.

SAMAHANI KAMA NIMEKUKOSEA MKUU.

6. ### KiparaaJF-Expert Member

#6
Oct 2, 2012
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najarib kukuheshimu lkn naona inashindikana, wakati mwingine jaribu kuchangia jambo kwa mawazo kutoka ktk 'kichwa' na c 'makalio' kama ufanyavyo sasa, na pia kama huna msaada juu ya hoja/mada iliyotolewa ni vyema ukapiga kimya, wakati mwingine itakugharimu. . . Samahani lakini

7. ### NingaRJF-Expert Member

#7
Oct 2, 2012
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mkuu umejiuliza ni kwa nini mpaka sasa hakuna aliye kupatia calculation ya moja kwa moja?? okay isiwe tabu mkuu, ushindi wako subiri wachangiaji wengine waje.

8. ### KiparaaJF-Expert Member

#8
Oct 2, 2012
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Nashkuru mchango wa investa umetosha. . . Mchana mwema

9. ### SMUJF-Expert Member

#9
Oct 2, 2012
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Makubwa haya!

10. ### Changamoto2015JF-Expert Member

#10
Oct 2, 2012
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makubwa vp mkuu? au unataka ile ya %Interest= Interest expense/ Loan amount
kama nikitumia hii napata 28% lakini ni kazi bure kama hujui duration ya mkopo ili upate ya mwezi au mwaka. Au wewe mkuu una njia mbadala utumwagie hapa jamvini?

11. ### chamngMember

#11
Oct 2, 2012
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1852500+200000+620000
utakachokipata
chukua loan amount yako utoe..itakuwa ada..then % huwez shindwa ku calculate...

12. ### SMUJF-Expert Member

#12
Oct 3, 2012
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Labda usome tena vizuri swali/issue ya mleta mada halafu uone kama jibu ulilompa linakidhi! Kama umefuatilia kwa karibu masuala haya ya mikopo kwa wanafunzi wa elimu ya juu, issue waliyonayo sio jinsi ya kukokotoa kiwango cha riba (interest) bali ni jinsi ya kujua mkopo alioupata ni asilimia ngapi (kuna wengine ni 100% na wengine chini ya hapo kwa viwango vya % tofautitofauti), ndio maana unaona amekwambia kiwango cha ada ya kozi yake na jumla ya mkopo aliopewa.

Kwa kifupi, HESLB waliorodhosha majina ya wanafunzi iliyowapa mkopo na kiasi cha mkopo bila ya kutoa uchanganuzi mkopo huo una cover vitu gani (ada?,accomodation? meal? Books and stationery? Practical trainings? etc) na kwa kiwango gani.

13. ### Bosco NtagandaJF-Expert Member

#13
Oct 3, 2012
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Mhh, wasomi wa miaka hii ni JANGA kwakweli... SAMAHANI LAKINI

14. ### ndetichiaJF-Expert Member

#14
Oct 3, 2012
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chaka kubwa sana mkuu yeye anauliza mkopo wa chuo na sio wa kwenye benki na saccos

15. ### NingaRJF-Expert Member

#15
Oct 3, 2012
Joined: Apr 15, 2012
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Mkuu nimerudi tena, Samahani kama nita kuudhi, kama nilivyo sema huto pata msaada kwa style na masomo hayo ni jambo la kushangaza sana,
:focus:
chukua 3,643,500
toa meals & Accommodation (1,837,500)
3,643,500-1,837,500=1,806,000
toa stationary (200,000)
1,806,000-200,000=1,606,000
kwasababu hufahamu pesa ya Special Faculty Requirements ni Tsh ngapi, na kwasababu ada na field vyote hutegemea % itakua vigumu kutambua umepata % ngapi,
kwa mathematics prediction ni kama 80% au 90%.(HONGERA)
nakushauri subiri mchanganuo wa mikopo kutoka chuoni kwa uhakika zaidi.
SIKU NJEMA

16. ### anne R mushiMember

#16
Oct 3, 2012
Joined: Sep 12, 2012
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n vyema tukawa na subra watoe wenyew na c hawa wanaobahatsha huku koz iyo amount ya meals&accmdatn naona mawazo tofautitofaut...

17. ### anne R mushiMember

#17
Oct 3, 2012
Joined: Sep 12, 2012
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tuendelee kusubiri watoe wenyewe na c kuambiwa na hawa wanaobahatisha huku

18. ### KiparaaJF-Expert Member

#18
Oct 3, 2012
Joined: Feb 2, 2012
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ungetuliza 'kijambio' nimeshapata kiasi cha % niliyopatiwa. . . .SAMAHANI LAKINI

19. ### Changamoto2015JF-Expert Member

#19
Oct 3, 2012
Joined: Oct 1, 2012
Messages: 759