Tanzania na utitiri wa bank


Adrian Stepp

Adrian Stepp

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Adrian Stepp

Adrian Stepp

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Joined Jul 1, 2011
2,315 743 280
baada ya miaka michache ijayo Tanzania itakua na utitiri wa ma bank


.Bank ya wanawake
.Bank ya vijana (Nape)
.Bank ya Wanajeshi(Ngome) hopeful gavana atakua shimbo

na sitoshangaa kusikia-:
.Bank ya wanaume
.Bank ya watoto
.Bank ya wazee Nk.
 
D

dotto

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dotto

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Bank ya mabilion ya JK.....
 
POMPO

POMPO

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POMPO

POMPO

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sijui wanashindwa nini kusema bank ya CCM
 
Mulhat Mpunga

Mulhat Mpunga

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Mulhat Mpunga

Mulhat Mpunga

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Mmm siku chache unaskia eti imefungwa imefilisika!wanasepa na hela zetu!! Benk ya kinamama ipo inaitwa mkombozi
 
M-pesa

M-pesa

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M-pesa

M-pesa

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Mimi nalichukulia hili suala la kuongezeka kwa benki Tanzania positively na la faida kwa mtanzania. Ujio wa mabenki una faida nyingi kuliko hasara, so long as BOT inafanya kazi yake vizuri kabla na baada ya kutoa leseni.
Zifuatazo ni faida ya kuwa na benki nyingi nchini japo kwa uchache:-
  1. Itasaidia kushusha riba inayotozwa katika mikopo mbalimbali
  2. Bidhaa nyingi za kibenki zitaongezeka ( nazungumzia banking products) kutokana na ushindani, hivyo ubunifu kwa mabenki unaongezeka.
  3. Ajira zitazidi kuongezeka kwa watanzania wenzetu, na hasa graduates wanaofanya course mbalimbali vyuoni. e.g. banking and finance courses.
  4. Watanzania wengi hawana akaunti kwa sasa, hivyo ujio wa hizi benki utasaidia watanzania wenzetu kufungua account kwa bei rahisi kutokana na ushindani. Na itapendeza zaidi kama hizi benki zitajielekeza zaidi maeneo ya vijijini.
 
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Nonda

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Nonda

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Hizi story za ufunguzi wa mabenki unanikumbusha usemi wa kujaza watu mapesa...kuna wanasiasa walikuwa na sera ya kujaza wananchi mapesa....wizi mtupu!!
Vipi unaweka vijisenti vyako, umejisahau kwa miezi, ukienda unaambiwa" unadaiwa" na zile elfu kumi,ishiri zako hazipo...

Wizi tu....na mafao kwa wajanja wachache.
 
Doltyne

Doltyne

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Doltyne

Doltyne

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M-pesa sikutegemea kuwa utakuwa na mtazamo chanya juu ya mabenki. Binafsi naomba nipinge hoja yako kidogo tafadhali.

Kwa kukaa kwangu nchi nyingi zenye mifumo mizuri ya mabank naweza kusema yafuatayo.
1: Tanzania ina masikini wengi sana wasio na uwezo wa kusave au kutumia bank.
2: gharama za kumiliki bank account ni kubwa sana, hili nilishawahi kulizungumza kwenye supa mix ya ea radio sikumoja. Kuwa na ac unayotozwa service charge wakati hakuna faida nyingine yeyote unayopata ni ujangili. Mf, nbc wanachange sh 1200 kwa mwezi kama sercive charge, let's say wana wateja 1,000,000 hizo ni sh ngapi kwa mwezi wanapata kutoka kwetu, pia bank zote zinatunyanyasa tunapotoa pesa kwenye atm na dirishani kwa kutucharge kati ya 600 na 1000 kwa transaction, sasa bank yenye 4000 transaction per atm per day inajizolea pesa za walalahoi ngapi?
3: kiwango cha huduma kwa wateja ni sifuri kabisa kama sio hasi... Hizi bank wanazoongeza zina kazi gani kama hazijawa peoperly regulated zile zinazooperate sasa?
3: ajira ya waliosoma finance na accounts sio tu banks, ni wakati sasa wenye biashara zozote waweze kutambua umuhim wa kuwaona wataalamu wa hesabu za biashara, kwani hasara na kupotea kwa mali zao na fedha kumepita kikomo... Hii ni kwasababu hawafati business ethics na kuhudumiwa na wataalamu. Kuna watu wana biashara za mil 50 lakini hawana accountant... Wala hakuna financial advisors...nchi haiweZi kuendelea namna hii.
4: kwakuwa bank kama crdb zinatangaza profit ya mpaka bil60 kwa mwaka, ni wakati muafaka kuwapa taarifa za kibenki wateja wake wote kwa kupitia bank statements nk, lakini ni bank chachesana zinazotoa huduma hizi. Hii ni kwasababu wanaibia sana watu mpaka kuangalia salio kwa atm ndio maana wanashindwa kuwahabarisha raia. Na bot imekaa inayajua haya na inaendelea kusajili bank kufanyaje ziendelee kufunguliwa.
5:mtazamo wangu ni mpana sana, nikisema niandike yote hapa tutakesha...bank zinacharge cash books, kuangalia salio, kutoa pesa, na bado huduma mbovu, we kaweke laki moja kwenye ac, halaf kaangalie baada ya mwaka umebaki na ngapi utashangaa, unaweza kukuta uko overdrawn...
Nina mengi wakuu, ila ntaua keyboard ya simu hapa kwa kutype gazeti... Gggrrrr.
 

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