Je, soko la fedha litatekeleza sera mpya ya fedha ya Benki kuu?

[Being_neutral]

Hujaelewa wapi?

Nipe changamoto nikueleweshe kama mtu asiyejua kitu.

Mimi mwenyewe haya mambo nayapenda na najifunza mengi, hususan kupitia kuelezea wengine.

Amna mkuu nyie mmesoma sisi wengine tumesomeshwa na wazazi wakibeba mabeseni ya mchicha ila maisha yalitufanya tuingie kitaa.

Riba ikipanda na kushuka ina athar gan kwny uchumi?
Usinishangae ndugu 🤣🤣

 

[Powell Gonzalez]

Things are not going to be easy, lakini Let's think twice hii inakuja na kitu kizuri later.

 

[shimwa]

Bora riba ipungue

 

[Kiranga]

Daah, binafsi nilipoona +/-2% nikaona kama unafuu mkubwa. Maana Hizi commercial banks kama zingefuata huo msingi mfano kwa ku add +2% bado kungekuwa na unafuu wa Riba kwa mkopaji. Sema ndio kama hivyo umesema kuna mambo hapo kati yanaweza kuongeza zaidi riba. Mara ya mwisho niliongea na afisa mikopo wa Akiba Commercial Bank akaniambia private loan wanaanzia 5m na riba ni 24% Nilikuwa disappointed sana. Ila vipi kuhusu hili suala la Central Bank kufuatilia na kuwaadhibu watakaokiuka?

Haya ya kuwaadhibu sanasana ni mambo ya banking compliance, Anti Money Laundering, Privacy, Risk Management, Business Continuity, Stress Testing, Internal Liquidity, Capital Adequacy, Market Discipline, etx.

It is rarely about rates jwa commercial banks jwa sababu wale Commercial Banks wanajua wanaangaliwa muda wote na rates ni rahisi sana kuona wanakopeshaje.

Ila kuna vi lending scheme kama vikoba vikoba fulani, na vi 9nstitution vidogo vya "pay day lenders" hivi ndivyo kuna changamoto kwa sababu interests rates zao ni za kufa mtu.

 

[Kiranga]

Bora riba ipungue

Haijapungua. Baseline ya BOT imepanga kutoka 5% September 2023 mpaka 5.5%. January 2024. Benki Kuu inataka kupigana na mfumuko wa bei.

Kwenye mabenki itakuwa zaidi na zaidi ya hiyo kutegemea na variables tofauti.

 

[Kiranga]

Amna mkuu nyie mmesoma sisi wengine tumesomeshwa na wazazi wakibeba mabeseni ya mchicha ila maisha yalitufanya tuingie kitaa.

Riba ikipanda na kushuka ina athar gan kwny uchumi?
Usinishangae ndugu 🤣🤣

Riba ni gharama ya kukopa pesa.

Ikipanda, kukopa pesa kunakuwa na gharama zaidi.

Kwa mfano, sasa hivi inepanda kutoka 5% mpaka 5.5%.

Maana yake, Benki ya Biashara kukopa shilingi milioni moja Benki Kuu , ilikuwa unalipia shilingi 50,000, lakini sasa watalipia shilingi 55,000.

Na benki za biashara zikishakopa kutoka Benki Kuu, nazo zinaongeza cha juu chake, kwa kuangalia watu hawalipi mikopo, kujiwekea faida benki zisipate hasara, nk. Mkopo ukifika kwako, unaweza kukopa 1 million ukalipa 1.25 million kwa sababu 0.25 million inaweza kwenda kwenye riba.

Ila pia, riba kuongezeka inatakiwa kuwa na faida kwa wawekezaji. Benki zinatakiwa kupandisha riba kwa watu wanaoweka fixed deposits na savings accounts zenye interest rates, CDs etc. Kwa hivyo kuna fursa hapo pia, ila sijajua itapanda kwa kiasi gani na kama hicho kiasi kitavutia.

 

[Yamungu Jeremiah]

Riba ni gharama ya kukopa pesa.

Ikipanda, kukopa pesa kunakuwa na gharama zaidi.

Kwa mfano, sasa hivi inepanda kut9ka 5% mpaka 5.5%.

Maana yake, Benki ya Biashara kukopa shilingi milioni moja Benki Kuu , ilikuwa unalipia shilingi 50,000, lakini sasa watalipia shilingi 55,000.

Na benki za biashara zikishakopa kutoka benki kuu, nazo zinaongeza cha juu chake, kwa kuangalia watu hawalipi mikopo, kujiwekea faida benki zisipate hasara, nk. Mkopo ukifika kwako, unaweza kukopa 1 million ukalipa 1.25 million kwa sababu 0.25 million inaweza kwenda kwenye riba.

Ila pia, riba kuongezeka inatakiwa kuwa na faida kwa wawekezaji. Benki zinatakiwa kupandisha riba kwa watu wanaoweka fixed deposits na savings accounts zenye interest rates, CDs etc. Kwa hivyo kuna fursa hapo pia, ila sijajua itapanda kwa kiasi gani na kama hicho kiasi kitavutia.

Imefafanua vizuri. Ila it is likely hizo variables ndio zinazoleta changamoto zaidi kuliko riba elekezi yenyewe.

 

[Kiranga]

Imefafanua vizuri. Ila it is likely hizo variables ndio zinazoleta changamoto zaidi kuliko riba elekezi yenyewe.

Naam.

Vipi kwenye fursa hapo, watu wanapata interest rates nzuri kwenye Certificates of Deposits, Savings Accounts zenye interest rates, au ukilinganisha na fursa nyingine za kibiashara hizi interest rates bado zinakuwa hazivutii sana?

Nimejaribu kuangakia upande wa pili wa interest rates kupanda kama fursa kwa wawekezaji pia.

 

[Yamungu Jeremiah]

Rais William Ruto wa Kenya kaongelea sana hili la US dollar.

Sasa hivi eti Tanzania tukitaka kununua bidhaa kutoka nchi za Afrika tunatumia US dollar, settlement inafanyika US Federal Reserve New York Branch. Tunampa Mmarekani umuhimu katika biashara ambazo hata hazimhusu.

Wakati tungeweza kutumia hela zetu tu bila kujali US dollar.

I expected Rais Mzalendo angekomaa na mambo kama haya, lakini mpaka anafariki sijui hata akama alielewa somo.

Ruto kaliongelea, but I don't know how much support he has.

Sijui siasa za Kenya sana, but on this, Ruto is right on the money.


View: https://youtube.com/shorts/fjF2hW12Km4?si=cbomnFqcH-SiWbdA

Leaving aside tofauti za kisiasa, kwa hili Ruto yuko sahihi sana. Na hata hii issue aliyoiongelea gavana Tutuba ya kuwa na the same currency East Africa iko poa, sema kama hawataweka emphasis kubwa kwenye kuzalisha haitakuwa na makali sana because tutaendelea kuagiza abroad ambako Dollar ndio Godfather.

 

[Yamungu Jeremiah]

Yeah, kwa upande wa CDs ni fursa. Japo sina uhakika kama hizo variables zinazowapa mzigo wa riba wakopaji pia zinaweza ku apply kum-favour mwekezaji kupata high return. Ila ni fursa kwa upande huo.

 

[Kiranga]

Yeah, kwa upande wa CDs ni fursa. Japo sina uhakika kama hizo variables zinazowapa mzigo wa riba wakopaji pia zinaweza ku apply kum-favour mwekezaji kupata high return. Ila ni fursa kwa upande huo.

Kinachotokea kwa kawaida, naona sana hii US, ni kwamba, mabenki wao wanajipa nafasi sana kupiga interest rates kubwa, saa nyingine mpaka 24%, kutegemea na variables, lakini watu wa CDs na Fixed deposit watacheza kwenye 6%-7%, ukipata sana. Watu wengi wanaona bora waizungushe pesa kwenye biashara.

US wanaweka rates zao mitandaoni sana kama kwenye Bankrate: Guiding you through life's financial journey

 

[Yamungu Jeremiah]

Kinachotokea kwa kawaida, naona sana hii US, ni kwamba, mabenki wao wanajipa nafasi sana kupiga interest rates kubwa, saa nyingine mpaka 24%, kutegemea na variables, lakini watu wa CDs na Fixed deposit watacheza kwenye 6%-7%, ukipata sana. Watu wengi wanaona bora waizungushe pesa kwenye biashara.

US wanaweka rates zao mitandaoni sana kama kwenye Bankrate: Guiding you through life's financial journey

Hiyo 6%-7% labda kwa wanaowekeza pesa nyingi angalau inaweza kuwalipa, llakin kwa hizi investment ndogo ndogo better ukafanya biashara.

 

[Kiranga]

Hiyo 6%-7% labda kwa wanaowekeza pesa nyingi angalau inaweza kuwalipa, llakin kwa hizi investment ndogo ndogo better ukafanya biashara.

Yeah,

Ndiyo inavyokuwa hivyo. Na hata wenye pesa nyingi bao wana biashara nyingi, unless mstaafu anataka usalama wa pesa zake zaidi kuliko ku invest.

 

[Yamungu Jeremiah]

Yeah,

Ndiyo inavyokuwa hivyo. Na hata wenye pesa nyingi bao wana biashara nyingi, unless mstaafu anataka usalama wa pesa zake zaidi kuliko ku invest.

CDs na fixed deposits zina almost 99% investment security.

 

[Kiranga]

CDs na fixed deposits zina almost 99% investment security.

Yeah,

Kuna thread nilikuwa naelezea kwamba the more secure an investment instrument is, the less is the return, because the security is priced in the return.

That is how investing in risky daily Dow Jones Industrial Average futures on www.nadex.com can give you 500% daily returns, but investing in solid US government bonds give you 5% per year.

The risk is priced in.

 

[Yamungu Jeremiah]

Yeah,

Kuna thread nilikuwa naelezea kwamba the more secure an investment instrument is, the less is the return, because the security is priced in the return.

That is how investing in risky daily Dow Jones Industrial Average futures on www.nadex.com can give you 500% daily returns, but investing in solid US government bonds give you 5% per year.

The risk is priced in.

Interesting. Taking risk hasn't been easy for the most due to the fear of losing, especially kwa investors ambao hawajui namna ya ku diversify na hawawezi kufanya risk analysis and management. But risky investments always holds high returns. Hizi elimu huku kwetu ni zero kabisa.