OKW BOBAN SUNZU
Platinum Member
- Aug 24, 2011
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Taarifa za BOT zinaonyesha kushuka kwa kasi kwa utoaji wa mikopo binafsi kufikia -5.8% katika robo ya pili ya 2017 kutoka 36.7% katika kipindi kama hiki 2016.
Hii imesababishwa na benki za biashara kuweka masharti magumu katika utoaji mikopo kutokana na mashaka ya irejeshaji mikopo hiyo.
My Take
Uchumi wa kati na viwanda bila mikopo nafuu unawezekana? Wakulima je, viwanda vidogo na vya kati watapata wapi mitaji? Mabenki si yanakwenda kuangua. Mikopo ndiyo bidhaa muhimu sana katika biashara za mabenki
Habari Kamili
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Dar es Salaam. The provision of personal loans dropped to -5.8 per cent during the second quarter of 2017 from 36.7 per cent in a similar period in 2016, the Bank of Tanzania (BoT) data shows.
That happened because commercial banks imposed tough conditions on the provision of personal loans to avoid risks.
Bankers foresee a further shrinkage in personal loans, which account for 19 per cent of all loans.
That will be the case as lenders are becoming more uncertain about debt repayments.
“Banks have been more selective on lending to avoid risks at a time when companies are massively retrenching employees,” said Mr David Moshi, head of credit risks at Standard Chartered Bank Tanzania. He told The Citizen yesterday that defaulting for salaried employees has increased to 10 per cent and more, against the regulatory benchmark of 4.5 per cent. “Banks will conduct serious vetting to prospective personal borrowers with their companies and others have stopped issuing, which resulted in the reduction of personal loans portfolios,” he said.
Personal loans were considered as assets for many commercial banks, as helped to cushion financial gaps caused by the government decision to transfer its deposits from commercial banks to the central banks.
Hii imesababishwa na benki za biashara kuweka masharti magumu katika utoaji mikopo kutokana na mashaka ya irejeshaji mikopo hiyo.
My Take
Uchumi wa kati na viwanda bila mikopo nafuu unawezekana? Wakulima je, viwanda vidogo na vya kati watapata wapi mitaji? Mabenki si yanakwenda kuangua. Mikopo ndiyo bidhaa muhimu sana katika biashara za mabenki
Habari Kamili
.................................................
Dar es Salaam. The provision of personal loans dropped to -5.8 per cent during the second quarter of 2017 from 36.7 per cent in a similar period in 2016, the Bank of Tanzania (BoT) data shows.
That happened because commercial banks imposed tough conditions on the provision of personal loans to avoid risks.
Bankers foresee a further shrinkage in personal loans, which account for 19 per cent of all loans.
That will be the case as lenders are becoming more uncertain about debt repayments.
“Banks have been more selective on lending to avoid risks at a time when companies are massively retrenching employees,” said Mr David Moshi, head of credit risks at Standard Chartered Bank Tanzania. He told The Citizen yesterday that defaulting for salaried employees has increased to 10 per cent and more, against the regulatory benchmark of 4.5 per cent. “Banks will conduct serious vetting to prospective personal borrowers with their companies and others have stopped issuing, which resulted in the reduction of personal loans portfolios,” he said.
Personal loans were considered as assets for many commercial banks, as helped to cushion financial gaps caused by the government decision to transfer its deposits from commercial banks to the central banks.
