Tanzania licences first credit reference bureau

[nngu007]

Fri Sep 28, 2012 4:46pm GMT

DAR ES SALAAM, Sept 28 (Reuters) - Tanzania's central bank has licensed the country's first credit reference bureau to encourage information sharing among banks to spur lending and lower commercial interest rates, it said on Friday.

Dun & Bradstreet, a global business information firm, was licensed as the credit reference bureau.

"Access to individual or company's credit history reduces incidences of institutions lending to habitual defaulters," said Juma Reli, deputy governor at the central bank.

Banks in Tanzania suffer from high credit risk exposure partly due to a lack of sufficient information about borrowers, analysts said.

"The retail lending rates are very high in Tanzania, with commercial banks charging rates of up to 22 percent," said Moremi Marwa, CEO of Tanzania Securities Limited.

"In the previous quarter, some major commercial banks had over 10 percent non-performing loans, which is quite a high rate."

Credit to the private sector grew at an annual rate of 19.7 percent in the year to July 2012, compared with 25.3 percent recorded a year ago, the central bank said on its website.

(Reporting by Fumbuka Ng'wanakilala; Editing by Duncan Miriri and Mark Potter)

 

[nngu007]

WABONGO Tujichunge na hizi CREDIT LENDING Co... Tusikope mpaka tukawa kama GREECE; SPAIN;

PORTUGAL Na nchi zingine za Magharibi... Kutegemea UCHUMI wa VIPLATIKI (CREDIT CARDS)

Angalia tuchunge sana ARDHI YETU; MALI GHAFI ZETU... Tuhakikishe tunaondoa Mawazo ya CCM

Imepotoka... Imeuza Makampuni yote ya serikali ili wafanyakazi wawe wanazurura na kulipwa kiwango cha

chini... CAPITALISM in MAKING...

 

[Lonestriker]

WABONGO Tujichunge na hizi CREDIT LENDING Co... Tusikope mpaka tukawa kama GREECE; SPAIN; PORTUGAL Na nchi zingine za Magharibi... Kutegemea UCHUMI wa VIPLATIKI (CREDIT CARDS) Angalia tuchunge sana ARDHI YETU; MALI GHAFI ZETU... Tuhakikishe tunaondoa Mawazo ya CCM Imepotoka... Imeuza Makampuni yote ya serikali ili wafanyakazi wawe wanazurura na kulipwa kiwango cha chini... CAPITALISM in MAKING...

Hapa imeongelewa credit reference bureau ambayo si kazi yake kukopesha.Hii ni positive news kwa Tanzania kuwa na Credit Reference bureau halafu wewe unakuja kuharibu kwa kuchanganya na siasa pamoja na kuwatisha watu kuhusu mikopo.Kesi ya Ugiriki na Hispania ni tofauti kabisa na sisi au any other third world country.Tanzania inahitaji zaidi indigenous investors kuliko foreign investors.Hatuwezi kuwekeza bila mikopo.Acha woga na siasa za kulink everything to siasa.

 

[nngu007]

Hapa imeongelewa credit reference bureau ambayo si kazi yake kukopesha.Hii ni positive news kwa Tanzania kuwa na Credit Reference bureau halafu wewe unakuja kuharibu kwa kuchanganya na siasa pamoja na kuwatisha watu kuhusu mikopo.Kesi ya Ugiriki na Hispania ni tofauti kabisa na sisi au any other third world country.Tanzania inahitaji zaidi indigenous investors kuliko foreign investors.Hatuwezi kuwekeza bila mikopo.Acha woga na siasa za kulink everything to siasa.

Soma Vizuri - Kazi ya hiyo Kampuni - Iko huku kwetu...

 

[POMPO]

WABONGO Tujichunge na hizi CREDIT LENDING Co... Tusikope mpaka tukawa kama GREECE; SPAIN;

PORTUGAL Na nchi zingine za Magharibi... Kutegemea UCHUMI wa VIPLATIKI (CREDIT CARDS)

Angalia tuchunge sana ARDHI YETU; MALI GHAFI ZETU... Tuhakikishe tunaondoa Mawazo ya CCM

Imepotoka... Imeuza Makampuni yote ya serikali ili wafanyakazi wawe wanazurura na kulipwa kiwango cha

chini... CAPITALISM in MAKING...

Mkuu mbona umetoka nje ya mada yako? Ok hiyo ni database ya wakopaji,mabenk watambue nani kakopa wap na shg gapi? So itaasaidia kuwabana wakopaji fake that's all

 

[POMPO]

Soma Vizuri - Kazi ya hiyo Kampuni - Iko huku kwetu...

we umesoma vizur sana ila kwa bahati mbaya hujaelewa vizuri pole ndio matatizo ya kop and pesti

 

[BONGOLALA]

kuweza kulipa mikopo ya bank za tanzania labda uwe muuza bangi riba kubwa sana-maneno ya J.K.Nyerere

 

[Lonestriker]

Soma Vizuri - Kazi ya hiyo Kampuni - Iko huku kwetu...

Hamna cha kwetu wala kwao,kazi ya credit reference bureau si kutoa mikopo.Au wewe ulivyoona credit basi uka-conclude kuwa ni watoa mikopo?Ni bora tukopeshane ndani kwa ndani kuliko mikopo ya kutoka nje...

 

[Mkatavimeo]

kuweza kulipa mikopo ya bank za tanzania labda uwe muuza bangi riba kubwa sana-maneno ya J.K.Nyerere

Asante mkuu!

 

[mtotowamjini]

tatizo la credit reference bureau sana sana itaongeza rushwa kwenye banks kwa sababu utakuta mtu credit score yake iko very low hawezi kupata mkopo so atakachofanya ni kumhonga loan officer kama wanavofanya sasa hivi alafu mtu anapewa chake...so for me sioni kama itasaidia kihivyo sana sana rushwa huko mabenki itaongezeka.

 

[Maundumula]

WABONGO Tujichunge na hizi CREDIT LENDING Co... Tusikope mpaka tukawa kama GREECE; SPAIN;

PORTUGAL Na nchi zingine za Magharibi... Kutegemea UCHUMI wa VIPLATIKI (CREDIT CARDS)

Angalia tuchunge sana ARDHI YETU; MALI GHAFI ZETU... Tuhakikishe tunaondoa Mawazo ya CCM

Imepotoka... Imeuza Makampuni yote ya serikali ili wafanyakazi wawe wanazurura na kulipwa kiwango cha

chini... CAPITALISM in MAKING...

Sijui umeandika nini mkuu

Soma vizuri habari halafu ujipange uje kivingine.

 

[Nyakipambo]

Wale wanaokopa kazini/biashara halafu wanakimbia bila kulipa mwisho wao naona umefika

 

[nngu007]

Sijui umeandika nini mkuu

Soma vizuri habari halafu ujipange uje kivingine.

"Access to individual or company's credit history reduces incidences of institutions lending to habitual defaulters," said Juma Reli, deputy governor at the central bank.

Hiyo inatosha soma juu... sasa hivi ni vigumu kutoa PESA za KADI - Credit Card kwa MTU anayeishi VINGUNGTI...

Nani atajaribu kwnda huko kutafuta nyumba yako na Majina mengi yanafanana... inamaana pesa itapotea...

Ndio Maana sasa kila mtu atakuwa na Address NYUMBANI; KITAMBULISHO CHA PICHA; MACHO YAO yataneemeka na

Kuwashika wasiolipa hizo CREDIT CARD...

 

[nngu007]

we umesoma vizur sana ila kwa bahati mbaya hujaelewa vizuri pole ndio matatizo ya kop and pesti

The Pin Point read it below...

"Access to individual or company's credit history reduces incidences of institutions lending to habitual defaulters," said Juma Reli, deputy governor at the central bank.

 

[Dr.Who]

Mleta mada kashindwa kuielewa mada yake, anafikiri Credit ref bureau kazi yao ni kutoa mikopo, wacha tukufahamishe;

kazi ya credit ref ni ku-keep data base(Information) ya watu ambao wana record mbaya aither alishawai kukopa huko nyuma toka benki nyingine au anahstoria mbaya kuwa akikopa alipi au analipa kwa tabu.
Benki wanapo jua historia ya mteja inakuwa raihisi kwa benki kufanya uamuzi wa usalama

Tatizo lililopo hapa kwetu, hii credit ref Beruau bado riski kwa mabenki itakuwa kubwa, kwa sababu mteja anauwezo wa kubadilisha jina aither kuchukua paspoti au kitambulisho chingine na kuanza kuomba mikopo mingine kwa kutumia majina tafauti

Kwa sababu hii bado benki za tanzania ziko kwenye riski kubwa, tusitegemee kuwa kiwango cha riba kitashuka hivi karibuni, mpaka wa TZ wache ufisadi wa kugawa pass na vitambulisho kwa rushwa

 

[nngu007]

Hamna cha kwetu wala kwao,kazi ya credit reference bureau si kutoa mikopo.Au wewe ulivyoona credit basi uka-conclude kuwa ni watoa mikopo?Ni bora tukopeshane ndani kwa ndani kuliko mikopo ya kutoka nje...

Man... Wanataka Wananchi wawe wanakopa kwa kutumia CREDI CARDS... tuingie CARD WORLD like other EUROPEAN

Nations,,, Tuna Mali hayo MAFUTA drug the western nation crazy... Wananchi hatuna Madeni kama

Wananchi wa GREECE... read below ,,. Msiwe kichwa ngumu na kuangalia ni vizuri...

"Access to individual or company's credit history reduces incidences of institutions lending to habitual defaulters," said Juma Reli, deputy governor at the central bank.

 

[nngu007]

Sijui umeandika nini mkuu

Soma vizuri habari halafu ujipange uje kivingine.

read this and think what they mean... "Access to individual or company's credit history reduces incidences of institutions lending to habitual defaulters," said Juma Reli, deputy governor at the central bank.

 

[Lonestriker]

Man... Wanataka Wananchi wawe wanakopa kwa kutumia CREDI CARDS... tuingie CARD WORLD like other EUROPEAN Nations,,, Tuna Mali hayo MAFUTA drug the western nation crazy... Wananchi hatuna Madeni kama Wananchi wa GREECE... read below ,,. Msiwe kichwa ngumu na kuangalia ni vizuri... "Access to individual or company's credit history reduces incidences of institutions lending to habitual defaulters," said Juma Reli, deputy governor at the central bank.

Come on bro,unachanganya mambo credit reference bureau haihusiani na credit card.Hawa wanaongelea zaidi business loans ambazo hazitolewi kwa credit card...kuna mkopo wa biashara unatolewa kwa credit card?Fanya hivi jaribu hata kugoogle credit reference bureau uone maana yake na kazi zake.Nchi dogo kama Rwanda kwa sababu ya kuwa serious na investment walikuwa na credit reference bureau licha ya udogo wa uchumi wako.Tanzania na Burundi ndizo zilikuwa hazina credit bureau.

 

[Lonestriker]

Mleta mada kashindwa kuielewa mada yake, anafikiri Credit ref bureau kazi yao ni kutoa mikopo, wacha tukufahamishe; kazi ya credit ref ni ku-keep data base(Information) ya watu ambao wana record mbaya aither alishawai kukopa huko nyuma toka benki nyingine au anahstoria mbaya kuwa akikopa alipi au analipa kwa tabu. Benki wanapo jua historia ya mteja inakuwa raihisi kwa benki kufanya uamuzi wa usalama Tatizo lililopo hapa kwetu, hii credit ref Beruau bado riski kwa mabenki itakuwa kubwa, kwa sababu mteja anauwezo wa kubadilisha jina aither kuchukua paspoti au kitambulisho chingine na kuanza kuomba mikopo mingine kwa kutumia majina tafauti Kwa sababu hii bado benki za tanzania ziko kwenye riski kubwa, tusitegemee kuwa kiwango cha riba kitashuka hivi karibuni, mpaka wa TZ wache ufisadi wa kugawa pass na vitambulisho kwa rushwa

Hio database isiyo na picha za mhusika,historia ya amana zake fingerprints itakuwa si database...unaweza kubadilisha jina lakini sidhani kama unaweza kubadilisha bank statements zako za nyuma na cashflow statements vitu ambavyo ni muhimu kwenye kupewa mkopo.Halafu mkopo si kwa watu binafsi tu,kuna makampuni,Saccos na pia partnerships....hawa ni vigumu kubadilisha majina.Tusipende kulink kila kitu na siasa za ufisadi.Huu wimbo wa ufisadi unakera sana kwa nini tusizungumzie issues bila kuweka siasa za ufisadi.Ufisadi ni kama constant factor kwenye nchi za Afrika kwa hio isiwe main issue ya kutuzuia kuzungumzia issues bila kuchanganya ufisadi.

 

[Kevo]

Nitoe elimu fupi hapa on credit reference bureau mana the level of ignorance na ujuaji exhibited hapa ni appalling;

Credit Reference Bureau zimeanzishwa maalum chini ya sheria ndogo ya The Bank of Tanzania (Credit Reference Bureau) Regulations,2012 ambayo vile vile imetokana na the Credit Reference Databank Regulations,2012.Reference Databank ya BOT imejengwa na Creditinfo International.Hii Databank it's a very well established computerized system intended to receive credit information from Financial Institutions regulated by the BOT ambazo ni banks na deposit taking micro finance institutions.

Sasa Credit Bureau ndio zinaingia hapa kwa kuchukua information submitted to BOT's Databank by reporting institutions ambazo ni (banks and deposit taking microfinances).Information submitted to BOT's Databank include credit information inayohusiana na mikopo ikiwemo mipya na ya zamani as well as role played by parties to such loans.Kwa hiyo kama ume play role ya guarantor report inayotoka credit bureau itaonyesha ulikuwa guarantor kama mkopaji report ya credit bureau itaonyesha mkopaji.

Mpaka sasa Tanzania tuna credit bureau mbili ambazo ni Creditinfo Tanzania Limited na Dun & Bradstreet.
Umuhimu wa haya makampuni kwanza itasaidia sana mabenki na microfinance kufanya maamuzi sahihi kabla ya kutoa mikopo ikiwemo kiasi ambacho mkopeshwaji ana uwezo wa kulipa na likelihood ya default au kulipa na je uwezo wa guarantor kurudisha mkopo kama aliyekopa kashandwa kulipa.

Naomba niseme nimeshafanya kazi na both companies and the kind of credit information they provide is very helpful and efficient.Kwa sasa kwa uelewa wangu, kuna uwezekano wa hizi kampuni kuweza kupata credit information kutoka kwa utility companies kama TANESCO na DAWASCO na kutoka makampuni ya simu mana hii pia ina uwezo wa kuonyesha uwezo wa mkopeshwaji kurudisha mkopo ila kikwazo wanachopata ni sheria hamna ku-spearhead such mechanisms.Ila very soon tutapata sheria itakayorahisisha all these.

Nawasilisha.