Maendeleo ya biashara via mkop.

[Saad haroub]

BY ECONOMIST SAAD.H.FEREJI. "Underceteriz peribus",watanzai tuamke na tubadilike kifikra,busara na maendeleo ya kudumu ya KIUCHUMI. tunaweza kuongeza mita ya kibiashara kama vile fedha,mitambo mbalimbali nk. Kwa kupitia mikopo kwenye mabenk kama vile ACCESS BANK,CRDB,NBC,STANBIC BANK N.K. Kwakufanya biashara kupitia mkopo sio swala la aibu but niswala la maendelo ktk UCHUMI.kikubwa zaid andaa business proposal,colateral securities, and specific account. All in all YESTERDAY WE WERE SWEEMING BUT NOW WE ARE GOING TO DIVE. Hakuna kinachishindika watanzania tuache UVIVU! Kwa maendeleo yutu na kukuza uchumi wetu.

 

[Kagalala]

BY ECONOMIST SAAD.H.FEREJI. "Underceteriz peribus",watanzai tuamke na tubadilike kifikra,busara na maendeleo ya kudumu ya KIUCHUMI. tunaweza kuongeza mita ya kibiashara kama vile fedha,mitambo mbalimbali nk. Kwa kupitia mikopo kwenye mabenk kama vile ACCESS BANK,CRDB,NBC,STANBIC BANK N.K. Kwakufanya biashara kupitia mkopo sio swala la aibu but niswala la maendelo ktk UCHUMI.kikubwa zaid andaa business proposal,colateral securities, and specific account. All in all YESTERDAY WE WERE SWEEMING BUT NOW WE ARE GOING TO DIVE. Hakuna kinachishindika watanzania tuache UVIVU! Kwa maendeleo yutu na kukuza uchumi wetu.

Mkuu Saad nakubaliana na wewe 100%, biashara nyingi kubwa duniani zinaendeshwa kwa mikopo. Big companies in EU or USA and Far East biashara zao zinaendeshwa kwa mikopo ya mabenk na ndo bank zinavyopata faida si kucharge vitu vidogo vidogo km bank zetu Tanzania. Tatizo kubwa tulilonalo Tanzania ni kwamba bank zetu zinatoza riba kubwa sana alafu nyingi zinatoa very short term loan. Wanataka ulipe mkopo in 1 year or 2. Hii inafanya monthly payments kuwa kubwa sana ukizingatia na riba hiko juu. Hii sidhani kama inamsaidia mfanya biashara makini aweze kujipanga. Wataalam wanasema katika biashara first year unaweza kupata hasara, second year you breakeven, third year ndo unaanza kupata faida and this is proper business. Bank zetu Tanzania zinataka upate faida kubwa in first year of business na urudishe hela zao.

 

[LAT]

Mkuu Saad nakubaliana na wewe 100%, biashara nyingi kubwa duniani zinaendeshwa kwa mikopo. Big companies in EU or USA and Far East biashara zao zinaendeshwa kwa mikopo ya mabenk na ndo bank zinavyopata faida si kucharge vitu vidogo vidogo km bank zetu Tanzania. Tatizo kubwa tulilonalo Tanzania ni kwamba bank zetu zinatoza riba kubwa sana alafu nyingi zinatoa very short term loan. Wanataka ulipe mkopo in 1 year or 2. Hii inafanya monthly payments kuwa kubwa sana ukizingatia na riba hiko juu. Hii sidhani kama inamsaidia mfanya biashara makini aweze kujipanga. Wataalam wanasema katika biashara first year unaweza kupata hasara, second year you breakeven, third year ndo unaanza kupata faida and this is proper business. Bank zetu Tanzania zinataka upate faida kubwa in first year of business na urudishe hela zao.

saad haroub

you are very right .... huu ndio muda muafaka lakini pia mabeni unaweza kuta unavyo vitu vyote hivyo lakini still beurocracy ikawa kubwa ... au ukapungukiwa na kimoja kama statements wakakukwamisha kwani katika biashara unakuwa unaanza kidogo ...hivyo wakiona statement yako haina cashflow kubwa wanakukwamisha

 

[CHASHA FARMING]

Mimi kitu kinacho nisikirisha ni maafisa mikopo kutaka mgawane huo mkopo uliochukua, na hii kitu nazan Top Managment wanafahamu lakini wameamua kukaa kimya tu,

Hatuwezi tukawa na systeam za aina hii na tukapiga hatua,