Nakaribisha Anayetaka Kunikopesha


Mlenge

Mlenge

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Mlenge

Mlenge

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Nakaribisha anayetaka kunikopesha. Masharti yangu ni nafuu.

  1. Ajaze fomu za kuomba anikopeshe.
  2. Lazima hiyo fomu iidhinishwe na serikali ya mtaa.
  3. Aweke picha, tarehe ya kuzaliwa, na taarifa nyingine binafsi.
  4. Atangulize kiasi cha mkopo ambacho hakitarudishwa.
  5. Akinikopesha hela nyingi sana nitamripoti kwenye mamlaka husika.
  6. Kila nimrudishiapo hela yake lazima ajaze fomu kuomba ni kiasi gani nimrudishie siku hiyo.
  7. Nitamuuliza anazitaka za nini.
  8. Akitaka hela nyingi za kurudishiwa kwa mara moja, nitamripoti mamlaka husika.
  9. Kila akiniuliza deni lililosalia, au akichukua malipo ya deni lake, atanilipa gharama za usumbufu.
  10. Siku nikifilisika, yeye atakuwa wa mwisho kulipwa na afisa mfilisi, endapo madeni yote mengine yatakuwa yameisha.
Changamkia fursa!

NB: Nabaki na haki ya kuweka vigezo na masharti mengine kama nitakavyoona vema. Kwa kunikopesha umekubali yote haya.
 
Shark

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Shark

Shark

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Nakaribisha anayetaka kunikopesha. Masharti yangu ni nafuu.

  1. Ajaze fomu za kuomba anikopeshe.
  2. Lazima hiyo fomu iidhinishwe na serikali ya mtaa.
  3. Aweke picha, tarehe ya kuzaliwa, na taarifa nyingine binafsi.
  4. Atangulize kiasi cha mkopo ambacho hakitarudishwa.
  5. Akinikopesha hela nyingi sana nitamripoti kwenye mamlaka husika.
  6. Kila nimrudishiapo hela yake lazima ajaze fomu kuomba ni kiasi gani nimrudishie siku hiyo.
  7. Nitamuuliza anazitaka za nini.
  8. Akitaka hela nyingi za kurudishiwa kwa mara moja, nitamripoti mamlaka husika.
  9. Kila akiniuliza deni lililosalia, au akichukua malipo ya deni lake, atanilipa gharama za usumbufu.
  10. Siku nikifilisika, yeye atakuwa wa mwisho kulipwa na afisa mfilisi, endapo madeni yote mengine yatakuwa yameisha.
Changamkia fursa!

NB: Nabaki na haki ya kuweka vigezo na masharti mengine kama nitakavyoona vema. Kwa kunikopesha umekubali yote haya.
Shida ya Kukopeshwa unayo wewe, masharti ya Mkopo utuwekee sie??
Majanga at its highest level
 
TUJITEGEMEE

TUJITEGEMEE

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TUJITEGEMEE

TUJITEGEMEE

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Joined Nov 6, 2010
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Mimi nilishanga kwanza kabla ya kuufungua uzi, inakuwaje uzi wa kuhusu mikopo nyakati hizi una 'watazamaji' zaidi ya 1000 lakini aliyechangia ni mmoja tu? Basi nikaamua kuufungua.

====
Yaani 1. 'impression' ya kwanza mimi kama raia nilie kulia 'kitaa' na asiyemjua mleta mada uhalisia wake; nikajua, huyu mleta mada ndiye mfano halisi wa msemo wa "masikini jeuri". Nakajiwazia kuwa ningekuwa mwalimu ningetumia mfano huu darasani kuonyesha masikini jeuri baadhi ya kauli zake huwa zikoje.

Yaan 2. Impression ya pili mimi kama TUJITEGEMEE wa JF ambaye nimemfahamu mleta mada halisi kupitia JF, nikajua kabisa, hapa mkuu kuna 'madini' ameyashusha hapa Jukwaani ila kwa kificho (encryption/coded sms), wauhusika watakuwa wamepata ujumbe na sisi tusiyohisika tutaibuka na tafsiri zetu kuhusu ujumbe wa mleta mada alioleta hapa jukwaani. Mfano mimi nautafisri hivi ujumbe wa mleta mada.

Kwamba ni ujumbe fikirishi. Kwamba, Ninayekopa ndiye natakiwa kutoa masharti, mimi ndiye mwenye mbinu, nguvu, mikakati ya kutumia rasilimali fedha ninazokopa ili fedha hizo zilete faida kwangu na kwa aliyekopesha. Ebu jiulize huyo mwenye fedha akikaa na fedha zake bila kuzikopa hizo fedha zitaongezeka thamani ama hazitaongezeka. Kanuni za wataalamu wa fedha mfano wale wa maneno makali makali yenye vifupi vya IRR, FPV, PPV, CBR, na mengine kama rate of return na kadhalika; watasema, hiyo fedha itapungua thamani.

Kwa maelezo hayo hapo juu, mleta mada anashauri, sisi wakopaji maarufu, tutambue thamani yetu na umuhimu wetu kwenye mzunguko wa fedha. Tuanzishe umoja wetu utakao kuwa unatambua thamani yetu.

Mfano 1: Kama 'sisi raia wa kitaa', sakosi yetu tukiianzisha lazima itambue thamani yetu sisi wakopaji na hao wanaotukopa wajue hilo na walazimishwe kujua umuhimu wetu, wasituwekee masharti ya viburi vyao.

Mfano 2: Sisi kama nchi, hawa wakopaji wetu wajue thamani yetu kama wakopaji, haiwezekani tukope sisi tuzungushe sisi halafu wakopeshaji wakae kwenye 'viti virefu' na kuanza kututupia maneno ya kashfa na vitisho, haiwezekani. Lazima wajue thamani yetu
Nina mifano mingi...ila leo ngoja niishie hapa.
 
Mlenge

Mlenge

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Mlenge

Mlenge

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Some discombobulation is overdue.

Your Bank Account – Who really owns the money (hint: it’s not you)

Most people think that when they deposit money into a bank - that such money continues to belong to them (and not to the bank). This assumption is totally wrong.

In Davaynes v Noble 1816 it was argued in front of Grant that a banker is a bailee rather than a debtor. Rejecting that argument, Grant said “money paid into a banker’s becomes immediately a part of his general assets; and he is merely a debtor for the amount.”

In finance, unsecured debt refers to any type of debt or general obligation that is not protected by a guarantor, or collateralized by a lien on specific assets of the borrower in the case of a bankruptcy or liquidation or failure to meet the terms for repayment. That differs from secured debt such as a mortgage, which is backed by a piece of real estate.
 

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