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Wizi wa Bank ya CRDB Part II

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Sawana, Mar 11, 2015.

  1. S

    Sawana Senior Member

    #1
    Mar 11, 2015
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    Nilitoa maada kuhusu “Wizi wa CRDB” na nimesoma reactions za wana JF. Nimepata furaha sana kwa sababu nimegundua wachangiaji wana mawazo tofauti sana. Wengine ni kejeli na wengine wanaona kama wana pesa nyingi kwahiyo hiyo shs. 700/= kwa kila withdraw sio issue. Lakini niseme kwamba mitandao kama hii ya JF ni kusaidia jamii kwa mambo mengi sana mojawapo ni kuelimisha au kukemea.
    Sasa baada yaku-sample maoni ya wachangiaji, ninaleta hii hoja upya kama Wizi wa CRDB Part II.
    Itabidi nirudi darasani nianze kufundisha upya tena kwa sababu ninaona watu wengine hata hawajui maana ya kusema CRDB ni wezi. Bank inakusanya deposits kutoka kwa wateja ili ifanye biashara na kufanya biashara sio kutoza charges ambazo hazina maana yo yote.

    Ledger fee is okay, lakini sio kila withdraw unakatwa pesa. CRDB imeshindwa hata kuvuka mipaka na kwenda kufanya biashara inakalia kuwanyonya maskini wa kitanzania. Eti CRDB ina tawi nchini Burundi, kila mtu anajua uchumi wa Burundi is very poor, wananchi wake is very poor, huko kwa maskini ndiko CRDB inafungua matawi. Mbona wasiende Kenya, Uganda, Rwanda au hata Kusini mwa Afrika? Jibu ni moja, hawajui biashara za ki-bank, wao wamekalia kukata watu fedha za wizi.

    Halafu mwisho wa mwaka wanasema wamepata faida ya billions of money, from what businesses? Kwahiyo hata nyie watetezi wa CRDB ni vizuri mjue kuwa CRDB hawafanyi biashara ya ki-bank, biashara ya ki-bank sio kuishi kwa kukata depositors so many charges, biashara ya ki-bank ni kuchukua deposits kutoka kwa wateja then unatoa mikopo, which in turn will give you interests ambayo sasa ni income yako.
    Ndugu watanzania wakati ni sasa, hebu tuamke tuseme unyonyaji sasa basi. Hapa tunazungumzia CRDB lakini ninajua Mabank yote mchezo ni huu huu. Huko Kenya, ukiwa na tabia ya akina CRDB wateja wanaondoka. Hebu angalia bank za Kenya zilivyosambaa Tanzania utafikiri ni kama m-pesa, huoni KCB, Equity, CBA, NIC, nyingi tu. Nenda Kenya huoni bank yo yote ya ki-bongo. Hapa wa-TZ tutasema wakenya ni wabaguzi, sio kweli kabisa, ukweli ni kuwa bank za ki-bongo hazijui biashara za ki-bank full stop. Tuache kulia kulia kama watoto wa fisi, miaka 50 ya uhuru kilio ni kile kile.
    Hao wanaosema, eti kama unaona CRDB inaiba hamisha pesa yako, wana mawazo mgando. Kwani ukiwa na mke au mume mwenye tabia inayoenda kinyume unamuacha? Basi utaoa au kuolewa kila siku. Let us fight from within. CRDB is a public bank, hakuna wa kuondoka ila tutamulika sera zao za wizi na uvivu wa kufikiri. Nao Kimei ame-overstay and he must leave. He has out-lived his ideas. Hana jipya, aondoke. “Kimei Must Go”. “Kimei Must Go”. “Kimei Must Go”. “Kimei Must Go”. “Kimei Must Go”.
    Haiwezekani, CRDB wanasema kila mwaka wanapata faida in billions of money kumbe ni kuwakata wateja wao charges tena za kutoa pesa kwenye ATMs. Wezi wakubwa hawa.
    Natoa Hoja!
     
  2. bluetooth

    bluetooth JF-Expert Member

    #2
    Mar 11, 2015
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    Kumbe wizi wa CRDB part II ni Kimei must go

    you sound like a disgraced former CRDB employee
     
  3. idoyo

    idoyo JF-Expert Member

    #3
    Mar 11, 2015
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    that's it asee! huyu jamaa ana chuki halafu hajui kitu anasema. sijui ni mshamba wa wapi!
     
  4. idoyo

    idoyo JF-Expert Member

    #4
    Mar 11, 2015
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    nigeria ni uchumi namba 1 afrika lankini ina benki chache kuliko tanzania, ambayo ni uchumi namba 12 afrika. usifikiri benki zinafunguliwa tu hovyo-hovyo! you need economic education.

    soma List of banks in Nigeria na List of banks in Tanzania
     
  5. Dongo La Kiemba

    Dongo La Kiemba JF-Expert Member

    #5
    Mar 11, 2015
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    Kimei anakunyima usingizi.
    Angalia makato ya CRDB kulinganisha na benki nyingine haswaa NMB.
    Mleta anachuki binafsi na CRDB na huu uzi ni mahususi kwa KUICHAFUA BENKI HIYO.
    Kimei hana jipya...umeona benki inavyokuwa.
    Au kwasababu alikataa kupokea vimemo vya kuzuia mnada wa nyumba za mzee wa msituni.
    Tuache unafiki.
     
  6. B

    BUBE JF-Expert Member

    #6
    Mar 11, 2015
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    Bila shaka mleta uzi hapa ana hoja, lakini alipaswa kueleza bank ipi haina charges, hasa withdrawal na kama anadhani zingine ni nafuu bora ahamie bank nyingine. Sioni sababu ya kumshambulia, maana hiyo haijengi hoja. Lakini ninavyojua uwepo wa charges kwenye bank ni kawaida, hata nikiulizia salio kupitia simbanking bado nachajiwa pia (?). Niulize tu mleta uzi endapo hizi charges ni hidden charges ama ziko well articulated kwenye info packs za crdb
    Labda niwambie wanajamvi, kwangu wizi ingekuwa kama amekuta hela zimechotwa kwa akaunti yake bila kuwa na taarifa, ama wamemchaji hela ambazo hazijui hata baada ya kuuliza hajapata maelezo ya kina
     
  7. M

    Mopalmo JF-Expert Member

    #7
    Mar 11, 2015
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    hakuna wizi hapo,na hizi fees zinasimamiwa na BOT,wanapewa fees elekezi
     
  8. Dongo La Kiemba

    Dongo La Kiemba JF-Expert Member

    #8
    Mar 11, 2015
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    Hawa jamaa wa crdb wanajitahidi sana, na katikaTZ ndio benki bora kwa kila kitu, wengine wanafuata!!
    Tutumie JF kwa maendeleo ya taifa letu ila si kwa unafiki na fitina.
     
  9. Mwanamayu

    Mwanamayu JF-Expert Member

    #9
    Mar 11, 2015
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    Ni vyema ukafanya utafiti wako kitaalamu kwa kulinganisha na benki nyingine ndani na nje ya nchi. Internet itakupa data za benki za nje kama hautakuwa na pesa ya kusafiri au kupiga simu ingawaje itategemea na njia ya utafiti huo!
     
  10. Mnyalu Junior

    Mnyalu Junior JF-Expert Member

    #10
    Mar 11, 2015
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    Ni bank gan ambayo eti utachukua hela, utacheki salio halafu usikatwe? Hiyo itakuwa bank ya baba yako! Acha chuki binafsi CRDB wapo vizuri, huwezi fananisha na bank km NMB. Mimi nina accounts CRDB na NMB but I real apreciate huduma za CRDB kuliko NMB
     
  11. Katavi

    Katavi Platinum Member

    #11
    Mar 11, 2015
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    Ukilinganisha na benki nyingine CRDB wapo vizuri zaidi.
     
  12. Freelancer

    Freelancer JF-Expert Member

    #12
    Mar 11, 2015
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    Mimi ishu ninaiona ni moja. Katika mfumo wa ubepari unaleta thinking ya kijamaa. Unaelewa nini maana ya biashara huria? Instead ya kulalamika kwanini usichague benki yenye low fees. Tatizo tunaishi wakati wa ujamaa kwenye kipindi cha biashara huria. Ulipaswa kulalamika kama fedha zako zingekuwa zimeibiwa lakini wanazichukua kihalalil na wewe kuendelea kubaki CRDB inaonyesha kwamba umekubalina na wanayotenda. Kama hukubaliani nayo hamaa. Halafu kusema Kimei must go as if na wewe ni share holder ni ujinga mtupu. Shareholders pekee ndo wanaweza kumwajibisha. Wewe ni client tu. Na Client huwa anatafuta mahali ambapo panamridhisha. Unao huo uhuru kwanini unashindwa kuutumia unabaki kuanzisha thread za kipuuzi puuzi ambazo zinakuja kuungwa mkono na wapuuuzi wenzio[​IMG]. CRDB si shirika la umma hata kama serikali inamiliki hisa lakini serikali ni share holder kama walivyo shareholder.
     
  13. T

    TumainiEl JF-Expert Member

    #13
    Mar 11, 2015
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    FYI
    This would bring down the number of small banks considerably, leaving Tanzania with fewer but larger and better capitalised banks that are able to service the needs of the country.

    There is precedent for this. Ten years ago, Nigeria had 89 banks, many of which were small and weakly capitalised.The Central Bank of Nigeria (CBN) raised the minimum capital requirements which led to a wave of consolidation leaving only about 40 banks.

    A second wave of consolidation followed the 2009-2010 financial crisis forcing the CBN to bail out and recapitalise several poorly managed and weakly capitalised banks.

    The banking sector now has 22 licensed banks and is much stronger. And financial inclusion in Nigeria today stands at about 60 per cent. There is no need to wait for a financial crisis in Tanzania to act. The time now, is just about right.


     
  14. idoyo

    idoyo JF-Expert Member

    #14
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    this is another example of 'ukurupukaji'. u didn't get my point!
     
  15. C

    Cynthia Chriss JF-Expert Member

    #15
    Mar 11, 2015
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    Mnamshambulia lakini crdb ni tatizo nimeona bank statement ya mwezi ulioisha imebaki elfu tatu na niliacha last elfu hamsini last year january ngoja nione watakata nini maana imeisha
     
  16. SoNotorious

    SoNotorious JF-Expert Member

    #16
    Mar 11, 2015
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    Mtoa mada yawezekana alikuwa cashier mdokozi KIMEI akampiga chini, la sivyo kimei anamtombea demu wake hii jaziba siyo.
     
  17. n

    nappy boy Member

    #17
    Mar 11, 2015
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    Cba vipi? Wako poa?, commercial bank of africa.
     
  18. Mtimti

    Mtimti JF-Expert Member

    #18
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    Jamaa ana hoja. ...bank za nje huwa hazina charges kama unatumia atm machines zao kutoa pesa (mfano kama wewe una account ya crdb na unatumia atm yao kutoa pesa basi hakuna charges)....na kwenye hilo hakuna gharama yoyote ambayo inatokana na utoaji wa pesa, tofauti na mwenye card ya crdb akienda kutoa pesa kwenye atm za nbc.
    Kwa kifupi hizi charges ni kumuibia na kumbenesha mzigo mteja wako........kwa wenzetu kulipoendelea kuna atm nyingi tu binafsi ambazo zina charge kwa kila unapotoa pesa lkn unapoingiza card kwenye machines basi machine inakwambia kuwa ina charge then una option ya kuendelea au kutoa kadi yako.
     
  19. M

    MR UNINFORMED JF-Expert Member

    #19
    Mar 11, 2015
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    Nenda police bhana...ni criminal case....nenda na waraka crdb wa rate and charges....kimei atafungwa mara moja...idiot!!
     
  20. M

    MR UNINFORMED JF-Expert Member

    #20
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    Jamaa ana hoja. ...bank za nje huwa hazina charges kama unatumia atm machines zao kutoa pesa (mfano kama wewe una account ya crdb na unatumia atm yao kutoa pesa basi hakuna charges)....na kwenye hilo hakuna gharama yoyote ambayo inatokana na utoaji wa pesa, tofauti na mwenye card ya crdb akienda kutoa pesa kwenye atm za nbc.
    Kwa kifupi hizi charges ni kumuibia na kumbenesha mzigo mteja wako........kwa wenzetu kulipoendelea kuna atm nyingi tu binafsi ambazo zina charge kwa kila unapotoa pesa lkn unapoingiza card kwenye machines basi machine inakwambia kuwa ina charge then una option ya kuendelea au kutoa kadi yako.

    Huko ni ulaya...ambako mambo yako katika advance stage....tutafika tu huko....kwa sasa bado sana....hasa kwa local banks....mie naona wanaoona ni wizi tumie bank za njee au hamien ulaya na amerika huko....lakin kwa gharama za uendeshaji za bongo...kufuta charges ni bado sana...!!
     
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