Interest rates Tanzania zikoje?

MAHAKAMA ya Hakimu Mkazi Kinondoni imeshindwa kusikiliza kesi ya madai inayomkabili ,Mtangazi wa Shirika la Utangazaji nchini (TBC1) Bw. Jerry Muro kwakuwa mdaiwa huyo ameshindwa kuwasilisha vielelezo vya maombi ya kurudia kesi hiyo.

Ilidaiwa Mahakamani hapo kuwa, hapo awali mdaiwa huyo aliiomba Mahakama kurudia upya kesi hiyo kwa kuwa yeye hajawahi kuudhuria katika shauri hilo.
Hakimu Sundi Fimbo aliyesoma shauri hilo alimwambia mdaiwa kuwa kama anaitaji kesi irudiwe upya inabidi alete vielelezo vya maombi ili shauri hilo lilidiwe upya.
Hapo awali ilidaiwa kuwa Desemba 26 mwaka 2008 mdaiwa alikwenda katika Kampuni ya Boneste General Enterprise Ltd kwa ajili ya kukopa pesa talimu sh milioni 1.5 kwa ajili ya kwenda kugomboa gari lake bandarini.
Hata hivyo ilidaiwa kuwa kampuni hiyo ilimpa sharti la kurudisha pesa hizo kwa siku 60, lakini mshitakiwa alilipa sh. milioni moja badala ya milioni 1.5 .
Hata hivyo Mahakama hiyo ilisema kuwa mshitakiwa anadaiwa sh. milioni 15 ambayo ni pamoja na fidia ya kukaa na pesa kwa muda mrefu.
Kesi hiyo imehairishwa mpaka Julai 9 mwaka huu kwa ajili ya kuanza kusikilizwa upya.

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Jerry alikopa TShs 1.5 milioni na kulipa 1.0 million, hivyo kubaki na deni la 0.5 milioni mwezi february mwaka 2009; kwa hiyo principal ilkikuwa TShs 0.5 milioni. Hesabu zinazonitatanisha hapa ni kuwa leo hii baada ya miezi 21 huyu bwana anadaiwa 15 m, yaani interest imefikia kiasi cha TShs 14.5 milioni. Kwa mahesabu ya simple interest rates, kila mwezi alitakiwa kulipa interest ya Tsh 0.67m katika rate ya 584.95% kwa mwaka ambayo ni zaid ya principal yenyewe. Na hata kama ukitumia compound interest rate, ina maana kuwa APR ni 208.7% akitakiwa kulipa kila mwezi. Huo ni uchumi na namna gani jamani, mbona nabakai mdomo wazi.

Inatakiwa uone hati ya makubaliano kwanza!
Coz najua wafanyabiashara wanatabia ya kuweka interest ya juu sana kama wakijua wanashida.
Unaweza hata kuambiwa baada ya mwezi kupita kama hujamaliza deni langu utalipa interest ya 20% kwa siku ya hela iliyobaki au kwa hela yote nlokukopa!

Hizi ni scenario za kawaida kabisa! Hasa Kariakoo na Tunduma!
So siwezi kusema lolote kuhusiana na hiyo kesi yako!

tunatakiwa kujua ni mkopo wenye makubaliano yapi kuna mikopo mingine inaweza kuwa inakikomo cha kulipa na ukizidisha unaanza kulipa interest rates na faini juu yake

Yote kwa yote ni kwamba interest rates kwenye taasisi zinazokopesha kama pride, finca, ile ya mama mkapa, etc ni za ki-mfirisi... tatizo ni kwamba wakopaji wanakubaliana nayo (obvious bila kujua implication za interest mfano mtu anakopa 1m halafu anatakiwa kila mwezi alipe interest ya laki moja) interest rate ya namna hii ni 120%!!!! Hakuna benki linalotoza rates za namna hii.. tatizo ni kwamba mabenki hayaingiliki kwa wajasilia mali kama wakina mimi kwa hiyo Jerry itabidi atafute ushauri wa kisheria kama kuna protection vinginevyo amekwisha!

Kabengwe said:

Inatakiwa uone hati ya makubaliano kwanza!
Coz najua wafanyabiashara wanatabia ya kuweka interest ya juu sana kama wakijua wanashida.
Unaweza hata kuambiwa baada ya mwezi kupita kama hujamaliza deni langu utalipa interest ya 20% kwa siku ya hela iliyobaki au kwa hela yote nlokukopa!

Hizi ni scenario za kawaida kabisa! Hasa Kariakoo na Tunduma!
So siwezi kusema lolote kuhusiana na hiyo kesi yako!

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godwine said:

tunatakiwa kujua ni mkopo wenye makubaliano yapi kuna mikopo mingine inaweza kuwa inakikomo cha kulipa na ukizidisha unaanza kulipa interest rates na faini juu yake

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..............puliiizzzzz.............mambo mengine (i.e kwa hizi justifications) tunayaendekeza sisi wenyewe............

This is how a developed country dealt with such an issue:

Credit Contracts and Consumer Finance Act 2003



The Commission has statutory responsibility for enforcing the Credit Contracts and Consumer Finance Act 2003. The Act:

• states what information about the transactions consumers must be given, when it must be given and what form the information should take;
• sets minimum standards for some contractual terms; for example, the Act sets standards about the way in which interest is calculated and charged. There are also rules on credit fees and credit related insurance;
• covers the circumstances in which a consumer credit contract can be cancelled;
• provides rules covering early repayment of debt including rules about how much a creditor can charge in these circumstances.
• deals with the circumstances under which a consumer can ask to change a consumer credit contract;
• allows the Court to reopen contracts if they are oppressive;
• prevents creditors from enforcing contracts if they have not complied with particular provisions of the Act;
• sets up a regime of statutory damages that will apply automatically if particular provisions of the Act have been breached;
• makes breaching certain provisions of the Act a criminal offence punishable by fines and, in some cases, by imprisonment.

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Haya...je sisi tunalindaje consumers? Mnaona tofauti ya kuendelea na kuwa nchi inayoendelea? Maendeleo sio majengo au barabara. Maendeleo ni kuwa na sheria zinazojenga, kuwezesha na kumwi-encourage mwananchi aweze ishi na ku-productive.