Dark City
JF-Expert Member
- Oct 18, 2008
- 16,253
- 11,599
Naomba wadau wa jukwaa hili tusaidiane kuweka taarifa muhimu za kibenki ili ziwasaidie wadau wanaohitaji mikopo midogo midogo na ile ya kati kwa ajili kuendesha biashara. Natamani tungekuwa na business directory ila sijui kama ipo ....(wenye taarifa watatusaidia).
Nimeweza kukusanya hizi taarifa na naomba wadau muongeze kile mnachokijua,
1. CRDB Bank Ltd...Mikopo midogo midogo (may be 1-20 mil), interest rate (with insurance) ni 20%, na lazima mtu awe na hati ya kiwanja au nyumba
2. FINCA .....Nimepata taarifa kuwa mtu akikopa 15mil anatakiwa kurudisha 1.7mil kwa mwezi ambayo inatupa interest ya 33.3%
3. NBM.....Kuna mtu kachukua loan ya 30mil ambayo atailipa kwa miaka 4; interest + other charges imefikia 12mil (40%)
........Nimepata taarifa za NMB kwamba small loans (100K-5mil) interest rates in 24% (2% per month)
4. TIB (Tanzania investment Bank)...Wanatoa mikopo ya kati na mikubwa...Nasikia wanaanzia USD 150K
5. SACCOS...SACCOS ambayo mie ni mwanachama inatoza 13% ila wanatoa pesa ndogo ndogo (1-10mil) na lazima ukae kwenye queue kwa karibu miezi 6!
7. NBC...Wanatoa mikopo kwa riba ya 20-24% ila iko based on overdraft. Unatakiwa kuwa na hati ya nyumba au dhamana nyingine. Kwa ujumla nimependa package yao ingawa riba bado iko juu sana!!
8. Exim wanatoa mikopo ya biashara kwa riba ya 19%. Unaweza kuchukua zote au kwa overdraft!!
9. Barclays bank wanatoa mikopo ya kati na mikubwa tu (>50mil). Interest yao ni 25%.
10. Stanbic wanatoa mikopo ya biashara pia...interest rates zao ni 21% na matakwa mengine ni kama kwa banks nyingine (hati ya nyumba, leseni ya biashara, audited accounts etc)!! Hawa nao wanatoa overdraft facilities!
11. Kenya Commercial Bank (KBC)....wana mikopo ya biashara kuwanzia 10mil na interest rates zao ni 19%. Masharti mengine ni kama banks nyingine na wanakubali overdraft..Ila sikuweza kupata details za interest rates per month kwenye overdraft!
12. Equity Bank....Inasemekana watakuwa na masharti nafuu ila bado hawajaanza kufanya biashara rasmi. Tutazidi kuwafuatilia!
Mwenye taarifa zaidi atuwekee hapa ili tuweza ku-update hii page ili iwasadie wale wanaohitaji mikopo ili wajikwamue!
Babu DC!!
Updates
Important information (TIB)
Equity Bank
Nimeweza kukusanya hizi taarifa na naomba wadau muongeze kile mnachokijua,
1. CRDB Bank Ltd...Mikopo midogo midogo (may be 1-20 mil), interest rate (with insurance) ni 20%, na lazima mtu awe na hati ya kiwanja au nyumba
2. FINCA .....Nimepata taarifa kuwa mtu akikopa 15mil anatakiwa kurudisha 1.7mil kwa mwezi ambayo inatupa interest ya 33.3%
3. NBM.....Kuna mtu kachukua loan ya 30mil ambayo atailipa kwa miaka 4; interest + other charges imefikia 12mil (40%)
........Nimepata taarifa za NMB kwamba small loans (100K-5mil) interest rates in 24% (2% per month)
4. TIB (Tanzania investment Bank)...Wanatoa mikopo ya kati na mikubwa...Nasikia wanaanzia USD 150K
5. SACCOS...SACCOS ambayo mie ni mwanachama inatoza 13% ila wanatoa pesa ndogo ndogo (1-10mil) na lazima ukae kwenye queue kwa karibu miezi 6!
7. NBC...Wanatoa mikopo kwa riba ya 20-24% ila iko based on overdraft. Unatakiwa kuwa na hati ya nyumba au dhamana nyingine. Kwa ujumla nimependa package yao ingawa riba bado iko juu sana!!
8. Exim wanatoa mikopo ya biashara kwa riba ya 19%. Unaweza kuchukua zote au kwa overdraft!!
9. Barclays bank wanatoa mikopo ya kati na mikubwa tu (>50mil). Interest yao ni 25%.
10. Stanbic wanatoa mikopo ya biashara pia...interest rates zao ni 21% na matakwa mengine ni kama kwa banks nyingine (hati ya nyumba, leseni ya biashara, audited accounts etc)!! Hawa nao wanatoa overdraft facilities!
11. Kenya Commercial Bank (KBC)....wana mikopo ya biashara kuwanzia 10mil na interest rates zao ni 19%. Masharti mengine ni kama banks nyingine na wanakubali overdraft..Ila sikuweza kupata details za interest rates per month kwenye overdraft!
12. Equity Bank....Inasemekana watakuwa na masharti nafuu ila bado hawajaanza kufanya biashara rasmi. Tutazidi kuwafuatilia!
Mwenye taarifa zaidi atuwekee hapa ili tuweza ku-update hii page ili iwasadie wale wanaohitaji mikopo ili wajikwamue!
Babu DC!!
Updates
Important information (TIB)
TIB wana mikopo ya investments zote zinazohusika na kilimo kwenye agricultural financing window ambayo ina masharti nafuu sn hd 1billion na riba yake ni 5% pa. Tena wana grace period kutegemea nature ya mradi au mazao husika. Security yake nayo sio km bank zingine kwani kuna watu wamepata ht kwa kuwa na Shamba lenye hati ya kimila tu.
Kuna financial leasing ambayo ni ya mitambo pia nayo inahitaji equity ya 40% kwa mradi mpya na 20% unaoendelea. Hii riba yake ni negotiable kati ya 8-15% na kuna grace period hii ni kwa miradi na investments aina zote na wanatoa hd 30billion Tshs.
Kama Una investments uliyoianalyze vizuri na ukiweza kuwaconvince hii ni better than any other bank in Tz.
Equity Bank
nimeweza ku confirm location zao, Equity bank kwa dar wapo quality centre (pugu road) na nyingine posta wapo PSPF plaza karibu na ppf. Ni bank nzuri sana kwa mikopo ya wafanyabiashara wadogo na wakulima, niliongea muda mrefu sana na wafanyakazi wao na kweli niliwakubali.
Target yao ni watu wa kipato cha chini hata kama una biashara ya maandazi watakuthamini