Serikali ifanye hivi kukuza uchumi wa Tanzania kwa kutumia Banks

[Kamundu]

Tanzania inakabiliwa na matatizo mengi ya uchumi. Moja la tatizo kubwa linalokwamisha sana maendeleo ni hakuna utaratibu mzuri wa bank kusaidia uchumi kama ulivyo kwenye nchi zenye uchumi mkubwa. Mikopo ni migumu kupata na riba ipo juu sana kiasi kwamba ni vigumu kwa wafanyabiashara wa kawaida kupata mikopo. Bank za Tanzania hazisaidii uchumi kama inavyotegemewa tena ukizingatia pesa karibu zote zimewekewa riba na bank kuu kwa kupitia serikali. Serikali na Bank kuu zinatakiwa kufanya yafuatayo
1. Vitambulisho: Serikali inatakiwa kuwa na vitambulisho vya uhakika ili watoa mikopo wa wapokea mikopo wajuane. Hii vilevile itasaidia kujua historia za watu za mikopo.
2. Historian a mikopo (Credit Rating System): Serikali bank kuu na wizara husika zinatakiwa ziweke utaratibu wa kuwa na hifathi (database) ambayo inaonyesha historia za watu kuchukua na kulipa mikopo.
3.Riba za T-Bills/T-Bond za serikali ziwe chini: Serikali inachukua pesa kwa wananchi na mashirika kwa nyia hizi mbili. Serikali ikichukua hii mikopo inatoa vitu viwili muhimu (a) muda wa kuwalipa mikopo (b) riba ya mikopo. Riba yah ii mikopo ya serikali ambayo mara nyingi ni lazima ilipwe ni kubwa sana 7%-8% ukilinganisha na nchi nyingine ambazo zina 2%-5%. Hii ni muhimu sana kwani bank ikitoa mikopo inatoa kutokana na riba hizi. Riba za bank ni lazima ziwe juu kuliko za serikali hivyo kama riba zao ni 5% na serikali ni 7% wanakupa riba ya 12%. Hii ni kwasababu watu ambao wanatoa pesa za mikopo ya bank hawawezi kuwekeza kwenye mikopo ya bank wakati mikopo ya serikali inauhakika wa kulipwa (Risk Fee rate). Kwa bank kupata wawekezaji ni lazima waweke kiwango cha juu zaidi.

 

[Kipimbwe]

Is bank a primary sector of the economy?Does it employs the majority.Review Keynessian theory.You are a misleading economist.

 

[Kamundu]

Kipibwe thanks for your reply this is not Keynessian theory and I am not an economist. Keynessia theory is basically about the suppy and demand of money. My topic here is about improving business by loans. Tanzania bank loans are 18%-25% APR while in USA example is 3%-6% APR.
Example: If you have a student who want to pass his/her exam you need a good teacher, books, n.k but you also need a classroom. My topic here then is about classroom for student to study and Keynessian is about the theory and process like books, teachers etc.

Inshort this is about how to help business and hence help economy. My background is Corporate Finance

 

[Kamundu]

Is bank a primary sector of the economy?Does it employs the majority

Let me also answer your question Banks are not employers but small business are employers and we need to help small business and individuals who are trying to be creative. America is not stressful because of two main factors a good banking system and creativity from Technology. Banks help the small business and Individual and then they help the economy by employing people and conduct other business activities.

 

[Maundumula]

Kamundu,

Nakubaliana na wewe kwa asilimia 100%

Tatizo serikali yetu hii inafulia mara kwa mara. Unakuta kipindi kama tulichonacho sasa ni kigumu kwakuwa serikali ina demand kubwa ya pesa. Wao ndio wameyakusanya mapesa yote kwa kutumia dhamana za serikali. Mabenki na Mashirika ya Pensheni wanaona hapo ndio kwa kuweka pesa maana watu binafsi bado hawaaminiki sana kutokana na kutowepo kwa hayo mawili uliyotaja hapo juu.

Sasa hivi unakuta demand ya pesa imekuwa kubwa mtu anaweza kupata hata 14% kwa mwaka kwenye FDR sasa niambie mtu anayetaka kukopa atatozwa riba asilimia ngapi? Cha msingi hapa serikali ijipange ipunguze rate za treasury bills turudi chini sana ili mabenki yakopeshe wananchi. Kwa sasa mabenki hayataki hata kukopesha maana hayana pesa!

 

[Kamundu]

Nilibahatika kuongea na wakuu wa bank ya Tanzania na TRA kwenye Mkutano wa Dicota Virginia USA mwaka jana. Nilimuuliza Gavana wa Bank kuu je Rate za T-Bills ni ngapi na akasema 7%. Nikamuuliza je ni kwa nini sasa mikopo inaenda 20% wakati bank zinatakiwa kutoa 2%-3% above Risk Free Rate (T-Bills) hivyo inatakiwa kuwa 9%-10% akasema tatizo ni vitambulisho. Je kama ni Vitambulisho wewe kama Gavana wa Bank kuu unafanyaje kufanikisha hilo na akasema siyo wizara yake. Gavana wa Bank kuu, mkuu wa TRA na mkuu wa NSSF niliona pale hawaaminiani kabisa na hawaangaliani usoni. Kama wangekaa pamoja kwa manufaa ya Tanzania wangeweza kurekebisha hili Tatizo.

 

[Kamundu]

Basic Fundamental Finance is the Key to Development!!. Tanzania must follow my path to expand Loans and open business