Nina hati kama dhamana, nahitaji pesa

[mams]

Waungwana wanajf. Naombeni msaada wa mawazo, nahitaji pesa za Tsh. 10m nizitumbukize katika mzunguko wangu wa biashara. Dhamana niliyonayo ni kiwanja cha kupimwa(Medium Density 1450sq. meters kiko Kigamboni kwa hati tulizopewa na serikali. Ni jinsi gani naweza kupata hiyo pesa kwa taasisi za kibenki au za watu binafsi ili niizungushe kwa miezi minne na kuirudisha kwa interest

 

[M-pesa]

Nilipokuwa nafanya course ya lending management chuoni niliwahi jifunza " 10 commandments of credit" kama ifuatavyo:-
1) Do not lend to security
2) Always find two ways out " repayment and realization of security"
3) Lend to the future, not the past
4) Own your decision
5) Understand the business
6) Do not be " fairweather" bankers i.e only offer umbrella if it is not raining.
7) Customer is not KING rather is a partner
8) Do not bow to pressure for a quick answer
9) Do not make subjective decisions without all facts
10) Ensure security is perfected before advancing funds