Bongo hakuna mikopo yenye kuwanufaisha wakopaji ni uwizi na ubabaishaji tu riba wanayocharge na masharti ni very unrealistic and completely unfair.
Hebu fikiria eti kuna wale Blue financial services wana kupa mkopo wa TZS160,000/= na watakiwa kurudha laki 2 in one month?
Wale Easy finance ndio usisema uwizi uwizi mtupu eti wao una mortgage gari, generator au laptop au nyumba ukipeleka gari wao ndio wanaevaluate utaambia gari la 10m thamani yake ni 5m na utapewa mkopo 70% ya mali yako na unakatwa 50,000 ya form, 50,000 ya evaluation na 50,000 loan processing fee na watakiwa kurudisha kwa miezi 3 kwa riba ya 22% WIZI MTUPU..
Sijui Bongo tumelogwa ama vipi hivi hao BOT kazi yao nini?
Kwenye mabenki ndio usiseme mikopo yenyewe masharti kibao mara lete cheti cha babu yako cha kuzaliwa mara riba 22-30% mara pitisha mshahara wako kwenye benki na ukipisha mkopo utausikia hewani au wanakupa mkopo ambao they are sure hutokusaidia chochcote maana riba ni balaaa
Mikopo inatofautiana kutokana na maombi yenyewe. Kuna banks nyingi ambazo zinatoa mortgage financing kwa watu binafsi (unatumia nyumba kama security) hizi hutoa mikopo kwa muda mrefu sana kwa sababu kuna security hata interest rate ni ndogo na kiasi unachochukua ni kikubwa. Unaweza kwenda CBA wana mikopo unalipa hadi miaka ishirini na interest yao ni around 13% nk.
Mkopo wenye security ndogo au bila security kabisa lazima uwe na interest rate kubwa maana hata risk ni kubwa. Financial instituion wanachoamini The higher the risk the higher the return kwa hiyo lazima wajitahidi ile kwako. Lakini pia ukichukua mkopo kwa muda mrefu lazima ulipe interest kubwa zaidi kutokana na time value of money. Kumbuka wakati wanakupa mkopo nao pia wanaingia gharama ya kupata fedha hiyo kwa kulipa interest kwa walioweka deposits, gharama za uendeshaji na risk.
Tatizo hapa ni la BOT kama regulator kuweka interest rate ceiling ili kuzibana financial institutions zisizidishe interest rate. Kumbuka BOT wenyewe wamepanga banks interest rate for banks 19%.
Umaskini wetu, kusinzia kwa serikali yetu na kutokuelewa pia vinachangia tushindwe kukopesheka. Hivi ni watu wangapi wana nyumba, Mashamba na properties za gharama lakini hazina hati au viko kwenye majina ya watu wengine?