DOKEZO BoT, TCRA na TRA hivi hizi Taasisi za Mikopo ya Online zipo Kisheria na zinalipa kodi?

[ISO M.CodD]

Well sijajua iwapo kama gharama kwenye ofisi au shughuli zako unacharge vipi au uzoefu ulionao ila kwa shughuli ninazofanya kuna gharama naingia kwenye hayo madude ya database na kutunza taarifa za wateja sijui system na ni material .

Hatahivyo Sina hoja zinazojitosheleza za kukukatalia sababu sio mtaalam wa It pengine upo sahihi.

Haiwacost chochote mkuu kuhifadhi address book za wateja wao. Niamini

 

[Kiranja wa jamii]

Bado hujawataja hawa watu wa SONGESHA wa mtandao wa Vodacom. Hawa nao riba yao iangaliwe na mamlaka husika kuna wizi mkubwa ndani yake

Watu wanaweza kuhoji "kwani mnalazimishwa?" Lakini haiwezi kuwa hoja kwasababu mamlaka zilizowekwa zinao wajibu wa kuwalinda wananchi dhidi ya utapeli

 

[Tsh]

Haiwacost chochote mkuu kuhifadhi address book za wateja wao. Niamini

Ok boss. Nimetumia reference ya system ya kuhifadhi taarifa za wateja kwa uzoefu wangu. Naona mambo ni tofauti.

 

[MAKANGEMBUZI]

mkuu nielekeze ulipitia njia gani mpaka ukakopa!

Download pesa x kama namba yako ina rate nzuri ya miamala utapata mkopo mkubwa

 

[pandagichiza]

Uliwapaje namba za ndugu zako!!??

Unajaza unapoomba

 

[ISO M.CodD]

najaribu kujiunga hapa nione kama nitapata yaView attachment 2822506

Mnaona mnavyofanya? Mnawapa na picha za vitambulisho vyenu. Vikiumana mnajiuliza wametoa wapi picha zenu. Si ajabu hapo hicho kitambulisho kina namba ya kituo chako cha kupigia kura wakifika mitaa hiyo kukuulizia wanaelekezwa kwako. Si ajabu wakawa wana access ya gps location yako.

 

[Hamy255]

Ukweli kabisa HIZI taasisi Zina kero mno hata ukilipa Bado wanaendelea kukutumia text ya kuwa hujawalipa ndo mana mi sijawalipa mpaka Leo

 

[Kifurukutu]

Walinipa 55k baada ya siku 8 wanataka niwalipe 78k....na hapo siku ya sita ndio walianza vurugu za kunipigia simu zao za mikwara mbuzi.

Imagine from 55k to 78k in 8 days.

Nilifuta app yao na kublock namba zao zote.

Ni app gani hii namimi niwakope

 

[KING MIDAS]

YAH: MALALAMIKO JUU YA TAASISI ZA MIKOPO MTANDAONI​

Kama mnavyojua changamoto zipo kwa Kila mtu hasa upatikanaji wa fedha pale unapokuwa umepata shida ya ghafla yenye uhitaji wa pesa au changamoto kwenye Biashara, mara nyingi unatafuta sehemu kama kwa mtu binafsi au taasisi yoyote ya kifedha ili kupata hela na kutatua tatizo lako.

Kuna taasisi zinazo toa MIKOPO kupitia Mtandaoni ambazo unapakua Application kwenye simu yako kutoka kwa Google unaweka taarifa zako na wanakupa mkopo wa haraka. Sasa malalamiko yangu au pengine kwa niamba ya Watanzania wengine ni kama ifuatavyo;

1. Riba wanazotoza ni kubwa sana wakati wa kurejesha tofauti na maelezo ya hawali, yaani unaweza kuambiwa ukichukua 100,000 unarejesha 130,000 ndani ya wiki moja lakini wakati wa kurejesha unaambiwa rejesha 185,000, huu ni wizi wa hali juu.

2. Unaweza kurejesha hiyo hela lakini hawakufuti kwenye mifumo yao wataendelea kukusumbua wakidai haujalipa.

3. Taratibu za kumdai mteja siyo nzuri kwanza hawana customer care wanatunia kauli mbaya za udhalilishaji pamoja na matusi.

OMBI LANGU
1. Naomba nyinyi kama kama nyinyi wa habari tusaidie kwanza kujua kama hizi taasisi zinazotoa MIKOPO MTANDAONI zimesajiliwa na zinatoa MIKOPO kwa kufuata Sheria, kanuni na Taratibu.

2. Tusaidie kupaza sauti ili kama taasisi hizi zipo kihalali basi ziweke riba halisia ambayo mteja anaweza kumudu na isijekuwa kama ile MIKOPO tunayosika KAUSHA DAMU.

3. Waajiri Wafanyakazi wenye weredi na mafunzo ya huduma kwa mteja (Customer care)

Note: kwa ufuatiliaji naomba nizitaje chache;
1. SINGULARITY MICROFINANCE LTD - kwenye Mtandao (play store au app store wakitumia "Mkopo wako"

2. TEMERIA MICROFINANCE LTD - kwenye mtandao (play store au app store wakitumia " Zima Cash"

Hizo ni chache lakini zipo nyingi sana

Tunaomba Beki Kuu ya Tanzania (BOT), Mamlaka ya Mawasiliano Tanzania (TCRA) na taasisi zinazo husika kufuatilia na ikiwezekana kutoa muongozi kama taasisi hizo za kukopesha zinalipa kodi na masharti yao yameridhiwa na mamlaka husika.

https://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://tz.linkedin.com/in/stephano-yona-8604a6251%3Ftrk%3Dpublic_profile_browsemap&ved=2ahUKEwjP6oLi-YiDAxWLm_0HHX_LAZwQjjh6BAgQEAE&usg=AOvVaw0KT-F8vMgC9rmANzrgo3_o

 

[Lububi]

Asante sana mkuu. Achana niiscreenshot hii comment nitaifanyia kazi kesho.

Leo nimefanya test nimekutana na hili.
Nikapewa 7800.
Narudisha 12436(within a week)
Naomba mwenye tafsiri ya kifedha na kisheria atoe observation hasa riba vs sheria zetu.

 

[Tape measure]

Wanaoumia ni masikini na vijana. Nafikiria tu kabla ya kudownload app yao futa message zako zote, futa namba zote ulizowahi kupiga na kupokea simu, futa recycle bin.

Ingia kwenye App jaza taarifa mkopo ukiingia unaiondoa hiyo App, kisha unaweka App ingine ...fanya hivyo kwa Apps zote kama 10+ ukipata 300k+ kajipongeze kuibia wezi.

Unasajili line mpya kwa ajili ya zoezi hilo la kuwaibia hao wezi, ukimaliza unaachana na hiyo line mpya maisha yanasonga. Hii ndio Tanzania [emoji1241] na sisi ndio walipa kodi

 

[General Jealous]

hawa jamaa ni changamoto kwakweli nilikopa pesa juzi marejesho ilikuw leo asubuh lakin kutokana na hali ya hewa na nilipokuw ni changamoto kidogo!!! lakini wakawapigia ndugu zangu wote simu kuwa wananidai na ikiwa hata siku haijapita na msg zao juu!!! hawa jamaa hawana customer care nzur

View attachment 2821916

hawa jamaa ni changamoto kwakweli nilikopa pesa juzi marejesho ilikuw leo asubuh lakin kutokana na hali ya hewa na nilipokuw ni changamoto kidogo!!! lakini wakawapigia ndugu zangu wote simu kuwa wananidai na ikiwa hata siku haijapita na msg zao juu!!! hawa jamaa hawana customer care nzurView attachment 2821916

Hii ipo sawa bhajameni au ni defamation yan imepita siku moja tu

HABARI NDUGU AMA JAMAA WAKARIBU WA XXXXX XXXXXX. MWENYE NO;0000000. NI TAPELI AMEKOPA KIASI CHA SHILLINGI 160,000/= KUTOKA KAMPUNI YA PESA M LOAN NA ANATAKA KUTUTAPELI, UKIWA KAMA MTU WAKE WA KARIBU TUNAOMBA UMUAMBIE ALIPE DENI LAKE KABLA HATUJAANZA KUCHUKUA HATUA NYINGINE JUU YAKE.

 

[Rashidi Jololo]

Wanaoumia ni masikini na vijana. Nafikiria tu kabla ya kudownload app yao futa message zako zote, futa namba zote ulizowahi kupiga na kupokea simu, futa recycle bin.

Ingia kwenye App jaza taarifa mkopo ukiingia unaiondoa hiyo App, kisha unaweka App ingine ...fanya hivyo kwa Apps zote kama 10+ ukipata 300k+ kajipongeze kuibia wezi.

Unasajili line mpya kwa ajili ya zoezi hilo la kuwaibia hao wezi, ukimaliza unaachana na hiyo line mpya maisha yanasonga. Hii ndio Tanzania [emoji1241] na sisi ndio walipa kodi

Tapeli wewe, hahahaa

 

[rubii]

Hii ipo sawa bhajameni au ni defamation yan imepita siku moja tu

HABARI NDUGU AMA JAMAA WAKARIBU WA XXXXX XXXXXX. MWENYE NO;0000000. NI TAPELI AMEKOPA KIASI CHA SHILLINGI 160,000/= KUTOKA KAMPUNI YA PESA M LOAN NA ANATAKA KUTUTAPELI, UKIWA KAMA MTU WAKE WA KARIBU TUNAOMBA UMUAMBIE ALIPE DENI LAKE KABLA HATUJAANZA KUCHUKUA HATUA NYINGINE JUU YAKE.

Unawajibu tu chukueni hatua.🤣🤣🤣

 

[Young fadson]

hawa jamaa ni changamoto kwakweli nilikopa pesa juzi marejesho ilikuw leo asubuh lakin kutokana na hali ya hewa na nilipokuw ni changamoto kidogo!!! lakini wakawapigia ndugu zangu wote simu kuwa wananidai na ikiwa hata siku haijapita na msg zao juu!!! hawa jamaa hawana customer care nzurView attachment 2821916

akiba? mtego huo...
huwezi kupewq mkopo zaidi ya akiba yako.. chemsha bongo kabla hujapagawa

Nmeanza kupewa mkopo kabla sijajua hata issue ya akiba,

Nahisi wanao utaratibu wao tofauti na issue ya akiba

 

[Accumen Mo]

Hii ipo sawa bhajameni au ni defamation yan imepita siku moja tu

HABARI NDUGU AMA JAMAA WAKARIBU WA XXXXX XXXXXX. MWENYE NO;0000000. NI TAPELI AMEKOPA KIASI CHA SHILLINGI 160,000/= KUTOKA KAMPUNI YA PESA M LOAN NA ANATAKA KUTUTAPELI, UKIWA KAMA MTU WAKE WA KARIBU TUNAOMBA UMUAMBIE ALIPE DENI LAKE KABLA HATUJAANZA KUCHUKUA HATUA NYINGINE JUU YAKE.

😅😅

 

[Isanga family]

BOT ndio ishu yao hii nashangaa wapo busy kututumia meseji tusikope kwenye taasisi zisizo na leseni wakati wahuni wanaonekana Mtandaoni na wao wapo kimya..

 

[Young fadson]

Niliandika mada ya kuhoji mikopo umiza ya Makampuni ya Simu Hadi Sasa Serikali haijajibu.

Makampuni ya Simu yanatumia Huduma za kifedha kuinyonya Wananchi.Ni wizi mpya.

Makampuni ya mawsiliano kuachwa yaendelee kutoa mikopo ya kausha damu Serikali imebariki wananchi kufilisiwa kwa maslahi ya kikodi?

Kukua kwa teknolojia kumeyavuta makampuni ya Simu kuanza kufanya biashara ya huduma za kifedha ambazo hapo awami zilikuwa zinafanya na taasisi za fedha tuu kama benki. Katika kufanya biashara hiyo makampuni ya simu yameanzisha huduma mbalimbali ya muda mfupi za kifedha ikiwemo kuwezesha...

www.jamiiforums.com

Ikitokea kampuni imezingua, mteja ana haki ya kudai pesa yake kupitia office za vodashop? Ikiwa aliweka akiba ktk kampuni hizo?

 

[Young fadson]

Hii ipo sawa bhajameni au ni defamation yan imepita siku moja tu

HABARI NDUGU AMA JAMAA WAKARIBU WA XXXXX XXXXXX. MWENYE NO;0000000. NI TAPELI AMEKOPA KIASI CHA SHILLINGI 160,000/= KUTOKA KAMPUNI YA PESA M LOAN NA ANATAKA KUTUTAPELI, UKIWA KAMA MTU WAKE WA KARIBU TUNAOMBA UMUAMBIE ALIPE DENI LAKE KABLA HATUJAANZA KUCHUKUA HATUA NYINGINE JUU YAKE.

Masela walikua wakinpigia baada ya kutumiwa ujumbe huu nliwaambia tukana hao matapeli, saiz sisikii hizo kelele

 

[DarkHorseSec]

YAH: MALALAMIKO JUU YA TAASISI ZA MIKOPO MTANDAONI​

Kama mnavyojua changamoto zipo kwa Kila mtu hasa upatikanaji wa fedha pale unapokuwa umepata shida ya ghafla yenye uhitaji wa pesa au changamoto kwenye Biashara...

Our CFO already published a research article referencing these Spy Loan Apps. You can read more from here:

https://www.researchgate.net/public...Tanzania_and_is_exploiting_Tanzanian_Citizens
and

View: https://medium.com/@brotheralameen/malware-research-shows-that-spyloan-apps-have-entered-tanzania-and-is-exploiting-tanzanian-76ae9d2bb23f

In this research, we see the approach of Spy Loan Malware Apps in Tanzania, fake financial apps used by loan shark scammers who provide high interest rates by laundering money from victims. The threat actors (In this case, the scammers) then use the data to harass their victims who refuse to pay their money by means of extortion and blackmail, while the rest of their data remains in the cloud in China.

Thus, a proof of cyber-espionage happening in Tanzania by the Chinese and the apps being a National Security Threat posed by the Chinese. The article explains what to do by Law if you've fallen victim for this scam as well.

These threat actors use the app to obtain access to your devices contacts and the rest of your device, including your WhatsApp, Gmail and everything (They have full access and control of your device) and send this data to their servers as well. Thus, identifying the app as a malware.

They use your data to contact people in your phone book to harass and intimidate them to contact you to repay their money as well. Furthermore, they can use them to threaten you and cause conflicts. This security research (Since of course, our CFO is both our CFO and Forensic Analyst) shows detailed explanation of how all this happens and how the app does this.