BoT, sheria hii ya mikopo dunia nzima ipo Tanzania tu... Mnatesa biashara za watanzania

[NGULI]

Hii sheria ma bank yameshindwa kuitafsiri na hata BOT wenyewe ukiuliza compliance department wanailezea sivyo inasema

....... any matured or expired outstanding loan should not be extended, renewed or rolled over, until all interest and charges due, plus at least ten percent of the principal are paid......

sasa kama mtu ame default na ameshindwa kulipa mkopo unamwambie should clear the arrears/excesses and pay 10% of the principal ili restructuring ifanyike sio uonevu huo?

Kama alikuwa ana uwezo wa kulipa hizo kwa nini a-defaulty? Na kama nilivyoanza haileweki ma bank yanadai hii sheria ina apply kwamba if you fail to pay single installment the no restructuring should take place unless u settle the arrears and pay at least 10% of the principal.....huku sio kukomoana?

Na wanasheria wetu mmesaidia kufafanua hii sheria ili wafanyabiashara wa ki-tz wasipate maradhi ya moyo?

 

[Lyamber]

Hata wanasheria wenyewe hatuijui..maana kipengele hiki prof alikiruka pia...

 

[MD25]

Hata wanasheria wenyewe hatuijui..maana kipengele hiki prof alikiruka pia...

Hao wanasheria waliosoma HKL advance, na walikuwa wanaona Maths kama baba/mama mkwe, unategemea hizo ishu za computations za "interest rates, princials, arrears or accruals" wataziweza?...

 

[BONGOLALA]

(Kulipa mikopo ya bank zetu na riba zake labda uwe unafanya biashara ya bangi)maneno ya J.K Nyerere

 

[mark_philipo]

ukikokotoa iyo ni kwamba atleast installements of two months become due.ukishndwa hapo bas hukutoa taarifa sahih kwa LO

 

[Eric Cartman]

....... any matured or expired outstanding loan should not be extended, renewed or rolled over, until all interest and charges due, plus at least ten percent of the principal are paid......

what is wrong with that umeshindwa kutimiza masharti yako ya mkopo, most banks would give you a penalty, may be its a test to see if your business is worth their time and you being their customers.

sasa kama mtu ame default na ameshindwa kulipa mkopo unamwambie should clear the arrears/excesses and pay 10% of the principal ili restructuring ifanyike sio uonevu huo?

amna cha uonevu business is business and obligations are obligations, if you think your business is heading south you might as well declare bankruptcy im sure the next procedure would be different au wewe ndio wale sole traders (assuming the legal responsibilities are universal world wide) ndio maana unang'ang'ana na biashara isiyoweza lipa madeni yake.

Kama alikuwa ana uwezo wa kulipa hizo kwa nini a-defaulty? Na kama nilivyoanza haileweki ma bank yanadai hii sheria ina apply kwamba if you fail to pay single installment the no restructuring should take place unless u settle the arrears and pay at least 10% of the principal.....huku sio kukomoana?

Na wanasheria wetu mmesaidia kufafanua hii sheria ili wafanyabiashara wa ki-tz wasipate maradhi ya moyo?

paying the whole amount of arrears plus interest is a bit harsh kwakweli, ndio maana wengine tunasema kila siku sera za CCM hazipo business friendly and they deter many risk takers to embark on entrepreneurship activities. Ndio maana wageni wengi wanapapenda kuja kwetu kwakuwa mikopo yao sidhani kama ina masharti magumu kama ya Tanzania.

a lawyer wont help you there you need to seek help from other businesses or any business representative groups to fight such stupid penalty.

Au huko amna watu wa-ku lobby sera za biashara, wenzenu wanalipiaga kuwa chini ya business intrest-group (representative or pressure group) and these organisations are the ones responsible for fighting and protecting the interest of businesses including such stupid obligations; by writing articles, lobbying and all other activities to do with influencing policy makers matter of fact they are consulted and at times participate on the debates before new laws are introduced to avoid such problems you have raised.

Tanzania bado sana.