Michael Mkwanzania
Member
- Jun 8, 2016
- 83
- 645
A few days ago nilipata hamu ya kula ndizi, nikatoka kidogo kwenda nje kununua, when i got there nikatoa mia tano (500) ambayo without me knowing ilikua imechanikakwa juu kidogo tu, nlipo mpa jamaa anaeuza akaniangalia kama nataka kumbambikizia hivi akasema “haifai hii bro”, nkamuangalia nkaichukua hela na kuondoka, i had alot tosay, i just didnt want to waste time hapo.
I think this is a subject ambayo ni ngumu sana kwa mtu wa kawaida kuelewa, “money is not real” na siku ambayo iliniingia kichwani this fact, ni siku ambayo nilienda kutoa miliioni moja laki sita kutoka atm, hela ambayo sijaiweka kwenye account wala sijapewa mkononi, sijaiba hiki kiasi, i just created it from thin air, anyway i will get back to this subject, na kueleza jinsi gani nmetengeneza hiki kiasi.
Kila siku njia mpya zinatokea za kuweza kuondoa makaratasi haya yanayoshikilia thamani ya hela, zilikuja credit and debit cards ambazo kwa nchi zilizoendelea ilipunguza sana matumizi ya makaratasi watu wametumia sana kadi kununua bidhaa,kuweka mafuta, kufanya transactions tofauti tofauti, na sahivi ukifanya uchunguzi tupo kwenye transition period ambayo makaratasi haya yatakuja kuwa kitu cha historia, malipo yanafanyika kwa simu, apple wana apple pay, na android wana android pay, ambayo ukipita kwenye mashine nyingi unaweza kulipia kwa ku pitisha simu yako tu, hii ni kutumia technology ya NFC ambayo smartphone zote mpya zinazotoka zinazo.
Soma article hii ya cnet kuhusu mobile money and NFC, and why it is the future.
Kwa nchi zetu huku hatuja pitia sanaa kulipia vitu kwa credit card, madukani na kwingine. Though maduka mawili matatu kila nkipita naona sign ya pay here with mastercard, lakini its not common. Ila tumevuka stage hiyo all together, ukicheki matangazo mapya ya tigo pesa yana hamasisha watu kuto tumia makaratasi na kupokea hela kwa tigo pesa tu, and that is where we are headed pia, all transactions zitakuja kuwa kwa mobile money, tunaona kwamba sahivi mobile money ipo mbali ila kwa kweli it is still in its infancy stage kabisa, 5-10 years from now mabadiliko yatakua mengi sana ya jinsi tunavyotumia hizi mobile money services.
So lets go back to muuza ndizi, muuza ndizi yeye anadhani kua ile mia tano ndiyo hela, na kwamba ikichanika kidogo thamani yake imepotea kwa kuwa anaamini kwamba hela ni makaratasi, akifanya kazi akipata noti kumi za elf kumi kwamba ile ndiyo laki moja aliyoishika mkononi when the truth being kwamba yale ni makaratasi yaliyowekewa thamani ya laki moja, haijalishi kama karatasi hilo jipya ama limechakaa au kuchanika, inashikilia thamani ile ile ya pesa, its a representation of money because “money is not real”. Money is value, ambayo once traded for goods and services of equal or estimated value it can be exchanged from one owner to another. Na mtu asipoweza kupitisha this fact kichwani mwake hatokuja kuona mafanikio ya ukweli kwa maana hajajua bado what value is.
Watu wanaojaribu ku take advantage of “hela za hewani”
Tangu ianzishwe mobile money, nmeona nguvu ya hela za hewani imeanza kutumika, kuna groups za whatsapp na walimu wapya wanatokea wa mambo tofauti, health, mapenzi, siasa na subjects kibao zingine. ukifuatilia utaona message kwenye mitandao kama facebook zile, “kujiunga kwenye group hili tuma sh 2000 kwenda 071xxxxxxx utaonganishwa kwenye group la whatsapp linalofundisha xxx kila saa mbili usiku mara tatu kwa wiki” , kwa wewe utapuuzia because you dont need that service ila kwa wanaohitaji ataona what is 2000 anyway.. Nilibahatika kukutana na mtu mmoja mwenye kufanya mambo kama haya, alikua ana endesha ma group 6, ambayo yote yamejaa members, alikua ana charge kama 2500 kuunganisha kwenye group kwa mda wa mwezi mmoja or so, kwa mahesabu:
(at the time group la whatsapp lilikua ni watu 100 tu)
1 group : 100
6 groups : 600
2500 Tsh per head x 600 = 1,500,000 per month
this is 1.5 million per month.
Now that is creating money from air.
Mfano: huyu mtu baada ya kupokea 1.5 million kwa mwezi akatuma bank kila mwezi kwa mda wa miezi 24 (2 years), that is 36 million in the bank ndani ya miaka miwili, akaenda akanunua nyumba kwa ku bank transfer hiyo 36 million kutoka kwake kwenda kwenye account ya muuzaji nyumba. muuzaji nyumba yeye akawa anahamisha kiasi kidogo kutoka bank kwenda Tigo pesa, afu ana purchase kila kitu kwa tigo pesa, and so on and so forth.
That is the future, we are going to be shifting value of money’ kutoka kwa mtu mmoja kwenda kwa mtu mwingine bila kuona noti hata moja, banks have been doing that kwa watu wenye hela nyingi, ila hata huku watu wa chini ambao hana hata account pia inawezekana kwenye this period of mobile money.
Iliponiingia kichwani kuwa hela siyo makaratasi
So lets get back to the main subject, nina projects nyingi sana i can give an example of.. ila kwa leo lets stick to hii hapa swahiliarts.com hii ni website ambayo inauza vinyago na paintings kutoka tanzania na kusambaza duniani kote, i created swahiliarts mwaka 2014, ikaanza fanya kazi 2015. naweza tengeneza website, nkaazima camera kwa mtu and that was all the investment i needed kwenye hii project, nkafungua social media na kuanza ku promote.
Tatizo likaja ni kufigure out how to receive money kutoka nje, ndio nkakaa kutoka 2014 hadi 2015 nkaja kufanikiwa kupata njia ya kupokea hela kutoka nchi yoyote na kutoa kutoka kwenye ATM yenye mastercard yoyote. Nilipoiachia tu website mwaka 2015 kwenye mwezi wa 6 hivi, mwezi huohuo kinyago kimoja kikanunuliwa, kinyago hiki kikauzwa kwa 975 usd, takribani milion 1 laki tisa za kitanzania taslimu. Nikaenda ATM na kadi yangu nikatoa laki 4 mara 4, hadi milion moja laki 6, na kuondoka nayo kutoka ATM za mlimani city, laki sita na kadhaa nkalipia kinyago, nikafuatilia kibali laki moja, then kesho yake nikakisafirisha. by the time namaliza kutuma nafika kwangu nafungua email nkakuta email nyingine mtu anataka kununua kinyago kingine ana swali kabla hajalipa.
Swahiliarts is not the main project i focus on kwa sahivi ndio maana nmeamua kuiongelea, but kwa mwezi inaweza uza anywhere between 1-3 items bila mimi kuifanyia kazi yoyote, na nikikaza kuifanyia kazi it is anywhere between 3-5 items. Mtu anaweza akaishi from these sales alone, ila kwa mimi akili ikafunguka to the possibilities, the world is an open stage thanks to the internet na mifumo ya kutuma hela hewani tu, im researching na kuwekeza kwenye new projects zitazoweza fanya what swahiliarts can do 10 to 1000 times better.
Below ni snapshot ya the most recent payments kutoka swahiliarts
GOOGLE ADSENSE (matangazo ya google) na kuyaacha kwangu
Another form of making money hewani ambayo nilipitia ni google adsense (though not successfully sana).
Mtu yoyote anaefanya mambo ya online anaelewa kuhusu google adsense, its simple. Unatengeneza website, unatafuta traffic, unaweka matangazo ya google then unalipwa na google kutokana na pageviews pamoja na clicks kwenye hayo matangazo, i have messed around na google adsense miaka iliyopita, sikuhizi adsense hailipi kama iliyokua zamani, utawekeza mda mrefu hela inayopatikana ndogo sana. Nime notice hili kwa wenzangu wanaotumia matangazo haya na kwangu pia, niliacha kutumia adsense mwezi wa pili mwaka huu, website zote zenye kukusanya traffic nkazifunga na ku focus kwenye kufanya mauzo kwenye mtandao
Malipo ya mwisho ya adsense nilichukua western union mwezi wa pili mwaka huu 2016 ya usd 100 snapshot hii hapa
What should be done
And this day and age, watu wanaotajirika ni wale wanaotengeneza hela hewani, ukiangalia hata nchi za nje the new millionaires and billionaires ni watengenezaji apps/websites na kadhalika ambazo hazihitaji mtu kukupa hela ya makaratasi. Mtu anaefanya kazi then anapewa hela ya noti kisha ndo aweke bank ili atajirike polepole, itamchukua miaka mingi sana atakuja kupata utajiri uzeeni huko, the solution kwa sasa ni ku inspire watu waweze tengeneza hela hewani, waweze kutafuta njia mpya za kutengeneza value ambayo mtu hato hofia kutuma hela yake kupata hiyo value, watafute njia mpya za kugusa maelfu ya watu, hapo ndo tutaanza pata matajiri wapya watao take advantage vizuri hizi hela za hewani. once we start creating money from “more value given to the most people” hapo ndipo matajiri wapya watapoanza kutokea, hapo ndipo tutaanza kuona story za watu waliotoka from sifuri na kufanikiwa kwa kiasi kikubwa sana kwa juhudi zao.
Watu wanachoshindwa ku realise ni kwamba, mobile payments ni the future for developed countries, ila kwa huku tunaoitwa “third world countries” tumeshaweza kuroll out mobile payments kwa kiasi kikubwa, swali ni je enterprenuers na the new rich wa kesho wata take advantage vipi hii mifumo?
I think this is a subject ambayo ni ngumu sana kwa mtu wa kawaida kuelewa, “money is not real” na siku ambayo iliniingia kichwani this fact, ni siku ambayo nilienda kutoa miliioni moja laki sita kutoka atm, hela ambayo sijaiweka kwenye account wala sijapewa mkononi, sijaiba hiki kiasi, i just created it from thin air, anyway i will get back to this subject, na kueleza jinsi gani nmetengeneza hiki kiasi.
Kila siku njia mpya zinatokea za kuweza kuondoa makaratasi haya yanayoshikilia thamani ya hela, zilikuja credit and debit cards ambazo kwa nchi zilizoendelea ilipunguza sana matumizi ya makaratasi watu wametumia sana kadi kununua bidhaa,kuweka mafuta, kufanya transactions tofauti tofauti, na sahivi ukifanya uchunguzi tupo kwenye transition period ambayo makaratasi haya yatakuja kuwa kitu cha historia, malipo yanafanyika kwa simu, apple wana apple pay, na android wana android pay, ambayo ukipita kwenye mashine nyingi unaweza kulipia kwa ku pitisha simu yako tu, hii ni kutumia technology ya NFC ambayo smartphone zote mpya zinazotoka zinazo.
Soma article hii ya cnet kuhusu mobile money and NFC, and why it is the future.
Kwa nchi zetu huku hatuja pitia sanaa kulipia vitu kwa credit card, madukani na kwingine. Though maduka mawili matatu kila nkipita naona sign ya pay here with mastercard, lakini its not common. Ila tumevuka stage hiyo all together, ukicheki matangazo mapya ya tigo pesa yana hamasisha watu kuto tumia makaratasi na kupokea hela kwa tigo pesa tu, and that is where we are headed pia, all transactions zitakuja kuwa kwa mobile money, tunaona kwamba sahivi mobile money ipo mbali ila kwa kweli it is still in its infancy stage kabisa, 5-10 years from now mabadiliko yatakua mengi sana ya jinsi tunavyotumia hizi mobile money services.
So lets go back to muuza ndizi, muuza ndizi yeye anadhani kua ile mia tano ndiyo hela, na kwamba ikichanika kidogo thamani yake imepotea kwa kuwa anaamini kwamba hela ni makaratasi, akifanya kazi akipata noti kumi za elf kumi kwamba ile ndiyo laki moja aliyoishika mkononi when the truth being kwamba yale ni makaratasi yaliyowekewa thamani ya laki moja, haijalishi kama karatasi hilo jipya ama limechakaa au kuchanika, inashikilia thamani ile ile ya pesa, its a representation of money because “money is not real”. Money is value, ambayo once traded for goods and services of equal or estimated value it can be exchanged from one owner to another. Na mtu asipoweza kupitisha this fact kichwani mwake hatokuja kuona mafanikio ya ukweli kwa maana hajajua bado what value is.
Watu wanaojaribu ku take advantage of “hela za hewani”
Tangu ianzishwe mobile money, nmeona nguvu ya hela za hewani imeanza kutumika, kuna groups za whatsapp na walimu wapya wanatokea wa mambo tofauti, health, mapenzi, siasa na subjects kibao zingine. ukifuatilia utaona message kwenye mitandao kama facebook zile, “kujiunga kwenye group hili tuma sh 2000 kwenda 071xxxxxxx utaonganishwa kwenye group la whatsapp linalofundisha xxx kila saa mbili usiku mara tatu kwa wiki” , kwa wewe utapuuzia because you dont need that service ila kwa wanaohitaji ataona what is 2000 anyway.. Nilibahatika kukutana na mtu mmoja mwenye kufanya mambo kama haya, alikua ana endesha ma group 6, ambayo yote yamejaa members, alikua ana charge kama 2500 kuunganisha kwenye group kwa mda wa mwezi mmoja or so, kwa mahesabu:
(at the time group la whatsapp lilikua ni watu 100 tu)
1 group : 100
6 groups : 600
2500 Tsh per head x 600 = 1,500,000 per month
this is 1.5 million per month.
Now that is creating money from air.
Mfano: huyu mtu baada ya kupokea 1.5 million kwa mwezi akatuma bank kila mwezi kwa mda wa miezi 24 (2 years), that is 36 million in the bank ndani ya miaka miwili, akaenda akanunua nyumba kwa ku bank transfer hiyo 36 million kutoka kwake kwenda kwenye account ya muuzaji nyumba. muuzaji nyumba yeye akawa anahamisha kiasi kidogo kutoka bank kwenda Tigo pesa, afu ana purchase kila kitu kwa tigo pesa, and so on and so forth.
That is the future, we are going to be shifting value of money’ kutoka kwa mtu mmoja kwenda kwa mtu mwingine bila kuona noti hata moja, banks have been doing that kwa watu wenye hela nyingi, ila hata huku watu wa chini ambao hana hata account pia inawezekana kwenye this period of mobile money.
Iliponiingia kichwani kuwa hela siyo makaratasi
So lets get back to the main subject, nina projects nyingi sana i can give an example of.. ila kwa leo lets stick to hii hapa swahiliarts.com hii ni website ambayo inauza vinyago na paintings kutoka tanzania na kusambaza duniani kote, i created swahiliarts mwaka 2014, ikaanza fanya kazi 2015. naweza tengeneza website, nkaazima camera kwa mtu and that was all the investment i needed kwenye hii project, nkafungua social media na kuanza ku promote.
Tatizo likaja ni kufigure out how to receive money kutoka nje, ndio nkakaa kutoka 2014 hadi 2015 nkaja kufanikiwa kupata njia ya kupokea hela kutoka nchi yoyote na kutoa kutoka kwenye ATM yenye mastercard yoyote. Nilipoiachia tu website mwaka 2015 kwenye mwezi wa 6 hivi, mwezi huohuo kinyago kimoja kikanunuliwa, kinyago hiki kikauzwa kwa 975 usd, takribani milion 1 laki tisa za kitanzania taslimu. Nikaenda ATM na kadi yangu nikatoa laki 4 mara 4, hadi milion moja laki 6, na kuondoka nayo kutoka ATM za mlimani city, laki sita na kadhaa nkalipia kinyago, nikafuatilia kibali laki moja, then kesho yake nikakisafirisha. by the time namaliza kutuma nafika kwangu nafungua email nkakuta email nyingine mtu anataka kununua kinyago kingine ana swali kabla hajalipa.
Swahiliarts is not the main project i focus on kwa sahivi ndio maana nmeamua kuiongelea, but kwa mwezi inaweza uza anywhere between 1-3 items bila mimi kuifanyia kazi yoyote, na nikikaza kuifanyia kazi it is anywhere between 3-5 items. Mtu anaweza akaishi from these sales alone, ila kwa mimi akili ikafunguka to the possibilities, the world is an open stage thanks to the internet na mifumo ya kutuma hela hewani tu, im researching na kuwekeza kwenye new projects zitazoweza fanya what swahiliarts can do 10 to 1000 times better.
Below ni snapshot ya the most recent payments kutoka swahiliarts
GOOGLE ADSENSE (matangazo ya google) na kuyaacha kwangu
Another form of making money hewani ambayo nilipitia ni google adsense (though not successfully sana).
Mtu yoyote anaefanya mambo ya online anaelewa kuhusu google adsense, its simple. Unatengeneza website, unatafuta traffic, unaweka matangazo ya google then unalipwa na google kutokana na pageviews pamoja na clicks kwenye hayo matangazo, i have messed around na google adsense miaka iliyopita, sikuhizi adsense hailipi kama iliyokua zamani, utawekeza mda mrefu hela inayopatikana ndogo sana. Nime notice hili kwa wenzangu wanaotumia matangazo haya na kwangu pia, niliacha kutumia adsense mwezi wa pili mwaka huu, website zote zenye kukusanya traffic nkazifunga na ku focus kwenye kufanya mauzo kwenye mtandao
Malipo ya mwisho ya adsense nilichukua western union mwezi wa pili mwaka huu 2016 ya usd 100 snapshot hii hapa
What should be done
And this day and age, watu wanaotajirika ni wale wanaotengeneza hela hewani, ukiangalia hata nchi za nje the new millionaires and billionaires ni watengenezaji apps/websites na kadhalika ambazo hazihitaji mtu kukupa hela ya makaratasi. Mtu anaefanya kazi then anapewa hela ya noti kisha ndo aweke bank ili atajirike polepole, itamchukua miaka mingi sana atakuja kupata utajiri uzeeni huko, the solution kwa sasa ni ku inspire watu waweze tengeneza hela hewani, waweze kutafuta njia mpya za kutengeneza value ambayo mtu hato hofia kutuma hela yake kupata hiyo value, watafute njia mpya za kugusa maelfu ya watu, hapo ndo tutaanza pata matajiri wapya watao take advantage vizuri hizi hela za hewani. once we start creating money from “more value given to the most people” hapo ndipo matajiri wapya watapoanza kutokea, hapo ndipo tutaanza kuona story za watu waliotoka from sifuri na kufanikiwa kwa kiasi kikubwa sana kwa juhudi zao.
Watu wanachoshindwa ku realise ni kwamba, mobile payments ni the future for developed countries, ila kwa huku tunaoitwa “third world countries” tumeshaweza kuroll out mobile payments kwa kiasi kikubwa, swali ni je enterprenuers na the new rich wa kesho wata take advantage vipi hii mifumo?
