Mikopo yenye Riba kubwa

Ndugu wadau,
Mikopo yenye riba kubwa inawatesa watanzania hasa watumishiwa umma.Hapa singida kuna taasisi za fedha zinakopesha
wafanyakazi unakopa tsh.1 milion,unalipa zaidi ya tsh.3.5 milion.Hicho ndo chanzo cha kuwaongezea umaskini watanzania hususan watumishi wa umma.Ukitaka kusettle balance unaambiwa server ipo sijui Africa kusini au Botswana.Sielewi kwanini serikali imeyapa haya makampuni kibali cha kutufilisi.
Ombi: 1. kwa Benki kama Baclays na BancABC wafanye makubaliano ya haraka na wakurungenzi wa Halmashauri mkoani Singida kuweza kutunusuru na hili janga linalotuangamiza watumishi.
2.Serikali ipitie vibali vya Taasisi za fedha zinazo kopesha kwa riba kubwa kwa kuwasihi wapunguze riba au vifutiwe vibali ili visiendelee kuwalaghai watumishi wengi wa serikali ambao wengi wao wapo taabani ki fedha kutokana na mishahara yao kukatwa kwa asilimia kubwa huku wakiwa wamechukua kiasi kidogo cha pesa

Mkuu mimi sioni Tatizo kwa sababu hakuna anaye Razimishwa kukopa, Watu wanakopa kwa hiyari yao na Serikali haiwezi Chukua hatua kwa sababu kila mtu anahiari ya kukopa au kuacha,

Ila mimi naona Tatizo liko kwa wakopaji, Unakuta mtu anakopa kwenda kununua vitu vya ajabu sana, watu wanakopa kwenda kununua Redio, Masofa, Makabati, Mafrdge na Nguoa au hata kughalamikia Harusi, Ingekuwa mtu anakopa na kuwekeza kwenye Biashara hakuna ambaye angekiuwa analalamika, MIKOPO MINGI HUISHIA KWENYE VITU VYA ANASA

Chasha said:

Mkuu mimi sioni Tatizo kwa sababu hakuna anaye Razimishwa kukopa, Watu wanakopa kwa hiyari yao na Serikali haiwezi Chukua hatua kwa sababu kila mtu anahiari ya kukopa au kuacha,

Ila mimi naona Tatizo liko kwa wakopaji, Unakuta mtu anakopa kwenda kununua vitu vya ajabu sana, watu wanakopa kwenda kununua Redio, Masofa, Makabati, Mafrdge na Nguoa au hata kughalamikia Harusi, Ingekuwa mtu anakopa na kuwekeza kwenye Biashara hakuna ambaye angekiuwa analalamika, MIKOPO MINGI HUISHIA KWENYE VITU VYA ANASA

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Chukua DISLIKE yangu. :majani7:

Mkuu pia you should know that borrowing needs prior planning and consideration.
In most cases those who secure loans without proper financial plans usually get into debt problems as they tend to lose control of their budget and use the money for unplanned expenditures.
Remember that a debt problem starts from lack of planning for borrowing, which translates to losing control of expenditure and ends in inability to repay.
It is advisable that if you get a loan offer from any financial institution, when you have no prior plan on the table on how to spend the cash, reject the offer until such a time when you are ready with proper plans.
Kwa mfano if you decide to take any loan to finance a business venture, the revenue generated should be sufficient to cover the interest cost and still earn you some extra profits. Each time you plan to apply for a loan, you should be guided by the debt to income ratio, which is a universal guideline on what amount of debt you can service with a particular amount of income.
Keep in mind that all financial institutions do not bother whether you take a loan beyond the ratio, since they are more driven by their interest of growing their loan books and revenue.

Nyenyere said:

Chukua DISLIKE yangu. :majani7:

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Mine too..

Chasha said:

Mkuu mimi sioni Tatizo kwa sababu hakuna anaye Razimishwa kukopa, Watu wanakopa kwa hiyari yao na Serikali haiwezi Chukua hatua kwa sababu kila mtu anahiari ya kukopa au kuacha,

Ila mimi naona Tatizo liko kwa wakopaji, Unakuta mtu anakopa kwenda kununua vitu vya ajabu sana, watu wanakopa kwenda kununua Redio, Masofa, Makabati, Mafrdge na Nguoa au hata kughalamikia Harusi, Ingekuwa mtu anakopa na kuwekeza kwenye Biashara hakuna ambaye angekiuwa analalamika, MIKOPO MINGI HUISHIA KWENYE VITU VYA ANASA

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Mkuu ukisema hivyo unakosea maana siyo wote wakopao wanaojua jinsi hiyo riba itakapofikia mwisho watakuwa wamelipa kiasi gani ila huwa wanakuja kushtukia mwisho wa kumalizia kuwa ndo wamelipa zaidi na unaposima serikali haiwezi kuingilia maamuzi binafsi ya watu unakosea maana banks ziko chini ya BOT nikimaanisha ndo regulator wao na ndio wanaofix vyote hivyo kwahiyo BOT kama boss wao inahusika kwa 100% ktk kulifuatilia hili tatizo na kulimaliza kabisa

Chasha said:

Mkuu mimi sioni Tatizo kwa sababu hakuna anaye Razimishwa kukopa, Watu wanakopa kwa hiyari yao na Serikali haiwezi Chukua hatua kwa sababu kila mtu anahiari ya kukopa au kuacha,

Ila mimi naona Tatizo liko kwa wakopaji, Unakuta mtu anakopa kwenda kununua vitu vya ajabu sana, watu wanakopa kwenda kununua Redio, Masofa, Makabati, Mafrdge na Nguoa au hata kughalamikia Harusi, Ingekuwa mtu anakopa na kuwekeza kwenye Biashara hakuna ambaye angekiuwa analalamika, MIKOPO MINGI HUISHIA KWENYE VITU VYA ANASA

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Mh uko wrong mpaka basi.pole sana.