Biashara ya Kutoa Mikopo (Microfinance): Hatua, Taratibu za Kufuata na Ushauri wa Uendeshaji

Nimependa maada hii. Right business consultancy, kama mnaweza kutoa hata kwa kifupi juu ya taratibu kama alivyouliza mwana jf pakamweusi ingependeza sana kwa manufaa ya wengi.
 
Paka Mweusi said:
Wana jamvi naomba anayejua procedure za kufungua Microfinance Company anisaidie
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1 - Ni lazima ufungue na kusajili limited company.
2 - uwe na mtaji wa kutosha ili kuweza kukopesha. ( milioni 50 na kuendelea)
3 - uwe na ofisi na watendaji wenye uzoefu.
4 - uandae taratibu na kanuni utakazotumia ktk kutoa huduma hiyo.
5 - anza kujitangaza na kutoa huduma.

NB: Katika kusajili, unaanza BRELA, kisha unaenda TRA, kisha wizara ya viwanda na biashara, kisha BOT.
 
WanaJF me ni mjasiriamali ambaye baadae nina malengo yangu mengi moja wapo ni kuanzisha Microfinance yangu ila nahitaji kujua natakiwa kuwa na capital kisasi gani ili niweze kufanya hii BUSINESS.

ASANTENI
 
steveslove said:
WanaJF me ni mjasiriamali ambaye baadae nina malengo yangu mengi moja wapo ni kuanzisha Microfinance yangu ila nahitaji kujua natakiwa kuwa na capital kisasi gani ili niweze kufanya hii BUSINESS, ASANTENI
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Kuanzisha biashara yoyote kunahitaji mchanganuo ili kuweza kujua mahitaji ya biashara ikiwemo mtaji.
 
I think you should make research through BOT or wizara ya biashara na viwanda ni mtazamo wangu maana kuna limit reserve inatakiwa uwe nacho na regulations kibao.
 
Any individual or company wishing to establish a bank or financial institution in Tanzania must submit the following information to the Directorate:-

Letter of Application in prescribed format.

Proposed Memorandum of Association (unregistered with the Registrar of Companies).

Proposed Articles of Association (unregistered with the Registrar of Companies).

Proof of Availability of Funds for Investment as Capital of the Proposed Institution e.g bank certification.

List of Incorporators/Subscribers and Proposed Members of Board of Directors and Other Senior Officers.

Information Sheet of Every Incorporator/Subscriber and Every Proposed Member of the Board of Directors, and Senior Officer.

Proof of Citizenship of Every Incorporator/Subscriber and Every Proposed Director and Senior Officer. This Includes Detailed Curricula Vitae (CV), Photocopy of the First Five Pages of a Passport, a Passport Size Photograph and Historical Background.

Audited Balance Sheet and Income Statement of Every Incorporator/Subscriber and Every Proposed Member of the Board of Directors and Senior Officer who is Engaged in Business.

Certified Copies of Annual Returns of Every Incorporator/Subscriber and Every Proposed Member of the Board of Directors and Senior Officer (together with accompanying schedules/financial statements) Filled During the Last Five Years with Income Tax Office for Income Taxation Purposes.

Tax Clearance From the Income Tax Office

Statement From Two Persons (not relatives) Vouching for the Good Moral Character and Financial Responsibility of the Incorporators/Subscribers and the Proposed Directors and Senior Officers.

Business Plans for the First Four Years of Operations Including the Strategy for Growth, Branch Expansion Plans, Dividend Payout Policy and Career Development Programme for the Staff, Budgets for the First Year Must Also be Included

Projected Annual Balance Sheets for the First Four Years of Operations.

Projected Annual Income Statement for the First Four Years of Operation.

Projected Annual Cash Flow Statements for the First Four Years of Operation.

Discussion of Economic Benefits to be Derived by the Country and the Community From the Proposed Bank/Financial Institution.

kwa maelezo zaidi ingia www.bot-tz.org kuna maelezo mengi ya kutosha nini unatakiwa kufanya na rules & regulations zote,for short cut click banking supervision
 
Tnx guys,

Ila ndio kwanza nataka kuanza yani ndio mwanzo sasa hzo docs zote natoa wapi? Na hyo bank statement sawa itakuwepo ila nataka kujua sh ngp napaswa kuwa nayo at the bank?
 
Crocodiletooth said:
Habari,ni vyema mkaweka dondoo za msingi mf,minimum unatakiwa uwe na kiasi gani?Au ni vitu gani vya msingi unatakitiwa kwanza kuwa navyo,thanks
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kweli akiweka dondoo zitasaidia!! Lakini kumbuka consultancy ni business oriented services, so hatakiwi kumaliza DETAILS zote just for free!
 
Ulikuwa na wazo kama langu vile na kama atafuata maelekezo yako atafanikiwa tena sana
 
Mwenye uzoefu na microfinance business embu naomba amwage maujanja hapa, if possible naomba ushauri juu ya kufungua hii biashara na kupata leseni yake.
 
Plz wazee nami niko interested kweli mtaji Kama sh ngapi
 
Mkuu biashara ya Microfinance kwanza unaangalia Target market yako hilo ndio suala la msingi.na kuangalia uwezo wa wateja wako kurejesha kwa wiki au mwezi na Tabia husika za wateja. Unaweza walenga wajasiriamali wadogo wadogo na mikopo kwa mikopo ya vikundi, wafanyabiashara wa ngazi ya kati, wafanyakazi walioajoriwa,pia makundi mbali mbali ya wajasiriamali kama taxi, bajaji,etc.

Pia unaweza kuwa mkopeshaji wa mikopo ya haraka yaani maarufu kama MKOPO WA RIBA,makampuni mengi hasa hapa dar wanakopesha Riba kuanzia 10 hadi 30 percent per month, na muda wa marejesho unakuwa mwezi 1 hadi 3 kwa makampuni yaliyo mengi.

Utaratibu wa kusajili fuata utaratibu wa kawaida wa kusajili kampuni yaan kupata TIN, lesseni ya biashara toka manispaa na pia kusajili jina na kampuni husika Brela.
Kwa upande wangu natoa service zifuatazo.
1.kutayarisha product/bidhaa za mikopo
2.kutayarisha fomu zote kulingana na aina ya mkopo.
3.kukushauri viambatanisho vyote muhimu vinavyohitajika
4.kutengeneza mwongozo wa credit office
5.kutengeneza credit manual
6.kukushauri namna ya dhamana makabidhiano,morgage etc related.
7.ushauri wa microfinance system software etc.
8.Na ushauri wa jumla wa kuendesha hii biashara
 
Hivi wana jamvi samahanini ninaweza kuanzsha microfinance kwa mtaji wa kiasi gani kwa kuanziya then baadaye ndo ujikuze wenyewe mtaji wangu koz karibia namaliza chuo so nataka nijiajiri mwenyewe plz naomba msaada kwa hilo kwa wote wenye experience na hyo kitu
 
 
Aisee,umetufumbua macho kidogo,kwa hivyo hata nikiwa na ML 10-20 naweza jikongoja?
 

Sio micro-financr zote ziko hvo, hayo uliyasema yanahusiana na informal microfinance (ambazo sio rasmi), ila formal microfinance instution inakuwa regulated na BOT
 
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