Ooh Poor NSSF!! - What is this?



kwa nini tuwaamini tena?
 
Kimsingi sioni sababu ya kuwa na wasiwasi kuhusiana na suala la NSSF kuwekeza kwenye mradi/miradi hiyo ya umeme. Hata hivyo, nakubaliana na wazo la Ofisi ya Mkaguzi Mkuu wa Serikali kupitia mahesabu kwa utaratibu wa kawaida kama anavyoweza kupitia mahesabu mengine. Kuhusiana na mikopo mibaya kama wachangiaji kadhaa walivyosema, bila shaka Benki Kuu ipo. Gavana wetu anaweza kutuambia juu ya suala ili kuondoa wasi wasi wa baadhi ya wananchi akiwemo M. M. Mwanakijiji.
 
Mmkjj nakubaliana na wasiwasi wako kwa 100%.Kwa hakika Nssf kweli imefanya uwekezaji mwingi na wenye kuweza kuleta mafanikio kama nia na malengo ya uwekezaji yanazingatiwa toka ianze kufanya hivyo.
Nilitegemea baada ya uwekeza waliokwisha kufanya wangefanya tathimini kuona kama wanaweza kutumia faida inayopatikana kuwanufaisha wanachama.Mafao wanayotoa kwa sasa hayana mchango uliowazi wa kuwa kwamua wanachama.

Lakini cha kushangaza zaidi waheshimiwa tuliowapa kazi (wabunge)badala ya kuyaona mambo haya na nakutoa angalizo kwa mambo yaliyo muhimu kwa ustawi wa Taasisi hii muhimu na ambayo inaweza kuwa muwaarobaini wa uchumi wetu huko mbeleni wana ongezea kuitumbukiza kwenye midomo ya mamba walioshindikana!

Ukisoma ripoti ya CAG ya July 2009 kwa mwaka 2007-2008 utaona kuna maeneo ambayo yanaleta hofu kubwa kwa uhai wa taasisi hii.
Read.
Source Nssf Web.
Nssf Annual report 2007-2008:
Emphasis of matter
“Without qualifying my opinion, I draw attention to the following matters:
As at 30th June 2008, NSSF had overdue loans and interests adding to T.shs 23,611,894,111
some relating to the previous years. As such, there is a risk of loss of funds because recovery of the outstanding loans and their respective accumulated interests is doubtful and management has
started to make provisions for bad debts.” Ludovick S. L. Utouh(CAG) July 2009

Report on Compliance with Procurement Legislation
In view of my responsibility on the procurement legislation, I state that, except for the procurement
weaknesses listed below National Social Security Fund has generally complied with the requirements
of the PPA No.21 of 2004 and its underlying Regulations of 2005.
• There were irregularities associated with Sale of Executive Apartments at Ada Estate
Kinondoni, including signing of disposal contract and costs linked to delayed payments by the buyer.
• Management sold one of NSSF’s landed asset namely ‘Club Oasis’ without observing
competitive disposal procedures/method. In the circumstances, there is no proof that the
sale price was the most attractive.
• There were cases of irregular signing of procurement contracts contrary to section 33 (h)
of the Public Procurement Act, 2004; which gives the Chief Executive Officer exclusive
mandates of signing procurement contracts on behalf of the procuring entity.
• The process of procurement of services from a security company, contravened Section 65 of the PPA, 2004 and its Regulations since


Ludovick S. L. Utouh
CONTROLLER AND AUDITOR GENERAL
National Audit Office,
Dar es Salaam, Tanzania,
……… July, 2009
AUDIT REPORT AND FINANCIAL STATEMENTS
 
I can smell MANJI and ROSTAM in the vicinity of this........
 

Muulize Mwanakijiji William Erio anafanya nini kule PPF au hakuoni kila nikimuuliza swali hili mwanakijiji anakimbia kulijibu kwasababu anajua ana lake NSSF . Au mwanakijiji tatizo ni Dr RAMADHAN? Pengine hili linakusumbua.
 

Long overdue loans zinategemeana na kina nani wadaiwa. Nafahamu hilo ni risk but kama wadaiwa ni serikali risk exposure ni ndogo kwani confiscation of assets is the next step. Hivi unajua bad and non-performing loans za benki za biashara ni kiasi gani? Na Barclays nusura iyumbe mpaka wakaja kuokolewa na Barclays ya UK kwa mikopo ambayo watanzania wakikopeshwa hawalipi??? Hivyo hilo mie silioni ni big deal unless hizi long overdue loans zinaweza kuzidi required ratio for risk tolerance hapo ndio nitaweza kusema kuna tatizo ila hiii ni part and parcel ya kuendesha shirika mkuu..
 
Mdondoaji said:
..... big deal unless hizi long overdue loans zinaweza kuzidi required ratio for risk tolerance hapo ndio nitaweza kusema kuna tatizo ila hiii ni part and parcel ya kuendesha shirika mkuu..
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Lakini auditor anaiona hiyo inaleta 'fundamental/significant uncertainty' ambayo inaweza kuiathiri NSSF katika vipindi vinavyofuata! Kimsingi sio hali ya kawaida katika biashara (ya aina ya NSSF) ndio maana auditor anaamua kuli-emphasize.
 
Mzee Mwanakijiji said:
Mimi nina uhakika serikali ikitaka NSSF ilipe mishahara ya Walimu au Polisi NSSF italipa bila tatizo..
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M.M, Natambua unatambua NSSF imejenga Flats za Police Kurasini, Zanzibar (Unguja) na Pemba. Pia NSSF kwa kushirikiana na mifuko mingine under PPL wamejenga Ukumbi wa Bunge (Mjengoni) about 45 billion. NSSF hii imejenga UDOM about 300Billion. NSSF inampango wa kujenga ubarozi wa Tanzania Kenya (over 40 billion). NSSF inatarajia kujenga ubarozi wa Tanzania UK (over 45 billion). NSSF vilevile inamiliki majengo mengi ambayo ulipaji wake ni questionable. NSSF ndie mkopeshaji wa Kiwira na hajalipwa hakuna sensible hatua za kisheria zilizochukuliwa. NSSF ni mmoja wa wakopeshaji wa Kagera Sugar na hajalipwa serikali iliingilia kati na kuyamaliza kiutu uzima maana hatujasikia tena report. NSSF ni mkopeshaji NO 1 wa serikali kupitia amana za serikali (Treasury Bills and Treasury Bonds).

Note: NSSF kutokana na kazi zake inatakiwa kuwekeza kwa uwiano sahihi michango ya wanachama wake katika miradi inayolipa sana na isiyokuwa na mashaka juu ya ulipaji wake (risk free investment or minimum risk).

Kwa mwenendo wa serikali yetu si muda mrefu serikali itadefault kwa kiwango cha juu zaidi ya hali iliyopo sasa. Nasema simuda mrefu serikali itashidwa kulipa maturing Bonds, pamoja na madeni yake mengine. Kwa kuwa NSSF kawekeza na anadira ya kuendelea kuwekeza kwa kiasi kikubwa katika miradi ya serikali ni wazi NSSF atakua mhanga wa kwanza. Ikumbukwe hali ya uchumi wetu inahuzunisha hivyo mtumishi akistaafu ikashindikana kupata japo hayo mafao yake hafifu, nadhali Tanzania yaweza experience situation ambayo haijawahi tokea Duniani.

Naunga mkono NSSF ifanyiwe technical audit coupled with Actuarial report kabla ya kuiruhusu iingia katika uwekezaji huu wa Umeme. Yes tunataka Umeme lakini tusijiingize kwenye future unmanageable crisis.
 

Good point mkuu but tatizo lililopo ni kwanza wafanyakazi wa Tanzania ambao ni wanachama wa NSSF kitu gani kinaweza kuwa kama security kwao wao kupata mkopo nyumba za gharama nafuu? Kwasababu ukisema ichukuliwe mafao yake ya uzeeni unaweza hilo haliwezi kujazilia gharama za ujenzi hata robo:-
Chukulia mfano mtu anakatwa pension 75,000 kila mwezi kama mchango wake wa NSSF for 10 years ni kama 9,000,000. Sasa tuseme life expectancy ya mtanzania ni miaka 55 (World Bank figures, 2008)(kama ni ukweli maana tukiweka na wagonjwa wenye HIV, afya duni na shibe mbovu sidhani kama hii figure ni sahihi) unapata pension ya mfanyakazi huyu kwa miaka 55 ni milioni 49,500,000 . Sasa basi tujiulize Tanzania ya leo ambapo ardhi bei yake haidhibitiwi, iko highly speculative kijipande cha ardhi kidogo dar unaambiwa milioni 10 toa katika 45,000,000 unabakiwa na milioni 39,500,000. Mfuko mmoja wa cement ni Tshs 17,000, nondo usiguse nyumba mpaka inasimama msingi uweze kama milioni 15. Zinabakia milioni 24,500,000, hujapandisha hujaezeka mabati. In fact unatakiwa uwe na si chini ya milioni 70 sasa hivi Dar kujenga nyumba nzuri ya chini yenye vyumba viwili.

Sasa tuje katika swali muhimu wakijenga nyumba za gharama nafuu nyumba mmoja inaweza kugharimu bei gani? Pia risk zinazokuwa involved kama vile mfanyakazi akifukuzwa kazi? akifariki, akiumwa au akipotea je zitakuwa covered vp? Tatu ze NSSF itaweza vp kupambana na utapeli wa watanzania katika mikopo kwani fahamu kwamba NSSF sio building society wala commercial bank kazi ni kusimamia pension hivyo ikitokea a housing bubble mtaweza vp kupambana nayo au umesahau yaliyoikumba AIG???
 
SMU said:
Lakini auditor anaiona hiyo inaleta 'fundamental/significant uncertainty' ambayo inaweza kuiathiri NSSF katika vipindi vinavyofuata! Kimsingi sio hali ya kawaida katika biashara (ya aina ya NSSF) ndio maana auditor anaamua kuli-emphasize.
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Auditor yeye ameisema hiyo lakini fahamu kazi ya kusimamia mifuko inatakiwa vile vile na uwezo wa kutake risk kwa manufaa ya kukua kwa mfuko usipotake risk pension zitajaa mapesa mifukoni na matokeo yake ni ufisadi unaanza kama ilivyo sasa PPF ambapo watu wanajichotea tu pesa kwasababu hawawekezi wamejaa na pesa mifukoni mwao. Sasa hili ni zuri au ndio baya zaidi kwasababu pesa zinazoenda mifukoni mwa watu ni kama kiendacho kwa mganga hakirudi. Utawashtaki na kuwafunga watuhumiwa lakini urudishaji wa pesa unakuwa mdogo mno ukiwa umebahatika sana 50% of the initial amount.
 
I new before hand that ZITTO had been sent as a prophety to praclaim this scandal.

I recomend that, all the trade unions whose members are also the members of these funds should organize themselves and look at ways to interefe this move, it has to be done in a displine way.

Also, these funds needs to be under supervision of a more strong body, I understand of there being such a thing but it must be very ineffective. we need a much more stronger body like BOT may be. if any one has an idea of the regislation putting into life this body please share with us we look at how we can push the responsible people to take actions against this.

THE CASE IS, NSSF operations have overly influenced by the politicians.
who is the Board Chairperson and board members for NSSF, I think we need go next stap as DAU is not going to listen any more.

This fund is taking too much risk now
 

Too much risk with respect to what mkuu hebu fafanua. What if these investment covers just 1% of the total capital of the fund? or it covers just 4% of the total assets of the fund.
 
Tanesco is bankrupt - does not have much funds to meet even its administrative obligations, it is high time should concentrate on transmission and sales of electricity - let us abandon MONOPOLY.
 
Au kuna jambo ambalo hatulijui?

kati ya mifuko hii miwili naona PPF imegubikwa na kila aina ya kashfa lakini naona mwenzetu amekuwa mstari wa mbele kuwaandama sana NSSF

haikatazwi constructive criticism lakini naona NSSF imekuwa kama vile easy target na ki ufanisi naona kama NSSF seem to be doing far better than PPF kama mwenye kujua undani naomba mniweke wazi hata kwenye PM ili nipate picha kamili

Au kwa sababu mmoja anaitwa WILLIAM erio na mwingine anaitwa RAMADHANI dau?
 
  1. Kwa sababu yeye ni Mtanzania
  2. Kwa sababu inaingizwa sana kwenye mkenge
  3. Kwa sababu wanaoitetea maamuzi yake wanatumia udini kama kinga
 
Ama kweli sasa huko Tanganyika , historia inajirudia. Lakini ushauri wangu muwe makini sana na tatizo hili mlilorithi toka katika utawala wa wakoloni la UDINI litawamaliza kabisaaaaaaaaa.

Kunya anye kuku akinya bata Uharo.

Poleni WaDanganyika
 

Mimi nadhani tasisi zote hizi mbili zinafanya madudu mengi na MM nadhani pia analijua hili. Lakini ameamua sasa kuiandama NSSF kutokana na umakini wake kutahadharisha umma na serikali kwa hatua ambayo NSSF wanataka kuchukua sasa kwani ni bora kinga kuliko tiba. Kama unaona pia kuna eneo ambalo PPF pia wanahitaji kinga lilete ili tulishughulikie.
 
:washing:

Umeanza vizuri lakini umeharibu mwisho....heri mwanzo mbaya na mwisho mzuri kuliko mwanzo mzuri na mwisho mbaya

Na wewe anza na huyo wa PPF maana unaujua zaidi huo ufisadi wa huko...Assume yeye haujui (sio lazima aujue by the way, na huenda ni kwa sababu haujavuta public interest kama kuzalisha umeme) wa PPF bali wa NSSF na wewe ni zamu yako kuonesha wa PPF.....

Hapo utakuwa umekomaaa na sio kuleta sababu za Mwajabu na Anna
 
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