Kwa miaka 18 sijawahi kushudia ugumu wa biashara kama awamu hii ya Tano

Kwa miaka 18 sijawahi kushudia ugumu wa biashara kama awamu hii ya Tano

Wakati anaingia madarakani nilikua vizur kiuchimi maduka mawili. Na. Wafanyaka kazi wake, na nyumba lakini niulize now nimebaki na kaduka kadogo kamoja lingine nishafunga mda sana fukuza madogo waliokuwa wananisaidia kuyaendesha nipo pekee yangu, nyumba imeuzwa maana nikipoona nyumba nilikopa pesa bank. Yenyewe mbaya ya access nilipo susua kurejesha nikajipiga kwa ndugu na jamaa hawakunisaidia nikamshawishi my wife tuiuze nyumba yetu kabla access bank hawajaja kutufirusi tukakosa vyote... Basi akanielewa ikabodi tuuze ndo kulipa madeni ya bank. Ada za watoto, tukatafuta kiwanja. Tukapata tunaanza kujenga nyumba ipo kweny linta pesa imekata mpka sasa tumepanga. Nyaani huyu Magu mungu anamuona kwa kweli [emoji23][emoji23][emoji23][emoji848][emoji848][emoji848][emoji848]

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Hapo sawa mkuu
Kibo10 said:
Usithubutu mkuu,Afadhali huyo mtaji ukaweke fixed account then ubangaize mpaka siku mambo yakibadilika ndio ufikirie kuhusu biashara ya kununua na kuuza. Ukianzisha biashara sasa nakupa miezi 3 tu mtaji utakuwa umeteketea.Hali ni mbaya mno, Nguvu ya manunuzi imeshuka mpaka kwenye vyakula. Bajeti za nyumbani hazipangiki,Na ukipanga bajeti nyumbani lazima nyama na samaki iwe kwa wiki mara moja. Hali ni mbaya mno!
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Every economy runs in two parallel sets that support each other. Black (covert) market or njia za panya and legitimate (open) market. If you kill a black market, legitimate market must suffer. Thats why in countries like Mexico they have not been able to completely abolish drugs trade which operate on black market because that is an 'economy' that support the livelihood of many people. More than probably what the govt could employ.

Magufuli's policy to clean the country has largely killed the black (covert) market and that could be the reason why an economy has suffered an after shock. The economy must now be walking with one leg instead of 'its traditional' two legs!

In order for the economy to rebound, the govt should probably relax it crack down effort, unjail all people who are in prison for charges related to business malpractice, channel more of its next budget on social programs and infrastructural- labor intensive projects etcs to catalyse some economic activities...
More over, a govt must inject more money in creating reliable markets for agricultural products and more inputs for farmers to increase agricultural outputs.
Govt should also provide tax reliefs (rebates) for private (small) companies that will create at least ten new jobs and re hire new workers that their roles will not be related on filling vacancies. These should really be new jobs.

Govt should also provide a 3yrs break for HESLB loan collections at 15%, instead it should reduce the rate to 5%.
This will increase disposable income for graduates who would ultimately spend more. Hence more revenues for businesses and ultimately more taxes for gvt which would ultimately be able it to refinance new students loans...


NB: for every 100,000 Tsh an employee spends earns, nearly 40,000 of it goes back onto govt coffers. That will be in terms of income tax, import duties, VAT and other fees and collections. So if the aggregate annual disposable income of graduates increases by Tsh 100 B as a result of Heslb's freezing of its 15% collections, ultimately the govt must be able to gain 40B as result of this while an aggregate annual (real/ after tax) expenditure will increase by 60B as result of this single govt action.
A marginal aggregate annual expenditure of these graduates valued at 60B means an additional annual revenue/income of 60 B to businesses. This action and other similar actions will help kulainisha vyuma by a margin that will be valued at 60B per annum.
Take 60B and spread to 1,000,000 traders for example, that amounts to an additional annual revenue/income of 60,000Tsh per trader! Who would also spend and create a tertiary income for others in the value chain etc...
That's a ripple effect of a single govt decision and this is how economics works.
 
Kibo10 said:
Usithubutu mkuu,Afadhali huyo mtaji ukaweke fixed account then ubangaize mpaka siku mambo yakibadilika ndio ufikirie kuhusu biashara ya kununua na kuuza. Ukianzisha biashara sasa nakupa miezi 3 tu mtaji utakuwa umeteketea.Hali ni mbaya mno, Nguvu ya manunuzi imeshuka mpaka kwenye vyakula. Bajeti za nyumbani hazipangiki,Na ukipanga bajeti nyumbani lazima nyama na samaki iwe kwa wiki mara moja. Hali ni mbaya mno!
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Taufanyia kazi huu ushauri
 
Ng'wanapagi said:
Kaka nimelishuudia hili nilipoenda nyumbani likizo. Bank zimechukua dhamana na Benki wameuza nyumba za wateja wao wakakosa wateja sasa imebaki kumbembelezana tu walau mteja alipe kidogo kidogo. Nimeshuhudia nyumba ya thamani ya milioni 35 ikiuzwa kwa milioni 16 na mteja akakosekana

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Kuna bank America ilikuwa ina miaka 250 tangu ianzishwe lakini ilikuja kufa kifo cha mende baada ya kuwakopa watu wengi,

baadae mambo yalipoharibika kiuchumi Bank ikaamua kuchukua nyumba zote sasa mziki wake nani azinunue tena hizo nyumba?
Ndio hali itakuwa hivyo na nyumbani
Bank hela zao zimelala kwenye mikopo na watu hawana kitu bali nyumba


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Kibo10 said:
Nina miaka 18 kwenye biashara katika kipindi chote hicho,Nimepitia milima na mabonde.” Yani changamoto” Kitu ambacho ni cha kawaida kwenye biashara yoyote.

Lakini leo nakiri kwamba, Awamu hii imeuwa juhudi za watu wengi kufikia malengo yao kibiashara, Biashara zimeyumba kabisa, Mauzo yameshuka kwa asilimia zaidi ya 70, huku mitaji mingi ya wajasiria mali ikiteketea.

Kinachoogopesha zaidi, Sioni juhudi zozote za makusudi kuokoa hali hii mbaya. Jamaa zangu wengi wameshindwa kulipia school fees,Wengine wameshindwa kulipia mapango ya frem,Wengine ndoa zao zimevunjika na wengine wamepata stroku.
Lakini tukiwasikiliza viongozi wetu wanasema tupo pazuri. Najiuliza pazuri wapi?

Mwanzoni nilijua labda baba anafanyia nyumba usafi, Cha kushangaza tunamaliza miaka tano hali imekuwa tete zaidi ya tulipo toka.

Kuna hitajika jitihada za ziada kwenye uchumi wetu tena kwa speed kubwa la sivyo tutazalisha taifa la wamachinga na wapiga vibomu. Maana soon kodi za pango na serekali hazitalupika tena.

Natamani hii biashara yangu nimpe bure Dr mpango aiendeshe kwa miezi tu ili ajue hali halisi sio kukaa ofisini huku tukimlipa mshahara mnono bila kusaidia uchumi wetu.

Dr. Mpango mweleze rais hali mtaani ni mbaya,Watu tunapiga kazi asubuhi mpaka jioni lakini tunatoka kapa kila siku.

Halafu nimegundua ukiwa na hali mbaya mfukoni na majukumu ndio yanabisha hodi kwa kasi kweli kweli.

Hivi ilani ya chama ndio ilinadiwa kutekeleza hali iwe ngumu hivi? Tukutane mwakani october tuelezane kwa vitendo.
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Mada za namna hii ndizo ambazo zinafikirisha na kuleta mijadala ya nguvu...lakini nikwambie kitu ndugu yangu ...hali ya sasa ndiyo hali halisi...kwa miaka mingi watanzania tulikuwa hatuishi maisha halisi....haya ndiyo maisha yenyewe kiuchumi...kwamiaka mingi tulikuwa tunaishi maisha ya wizi wizi...fedha chafu za rushwa bandarini...wizi wa mafuta yasiyolipiwa kodi..tenda za ujanja serikalini...maofisi mengi ya brief case...wizi fedha za umma...kutofanya kaziserikalini na kufanyia mikutano kwenye mahoteli baadala ya ofisini...wizi wa mali za umma...sasa serikali hii imejaribu kuziba mianya hiyo...hakuna tena fedha chafu au za dezo...yaani fedha za aina hiyo zimepungua mno..sasa tunaishi maisha halali...tunatakiwa tufannye kazi...baada ya miaka kumi hivi hali itatengemaa...labda...madalali poleni sana yaani madalali wa nyumba, mashamba na kadhalika...
 
Kibo10 said:
Nina miaka 18 kwenye biashara katika kipindi chote hicho,Nimepitia milima na mabonde.” Yani changamoto” Kitu ambacho ni cha kawaida kwenye biashara yoyote.

Lakini leo nakiri kwamba, Awamu hii imeuwa juhudi za watu wengi kufikia malengo yao kibiashara, Biashara zimeyumba kabisa, Mauzo yameshuka kwa asilimia zaidi ya 70, huku mitaji mingi ya wajasiria mali ikiteketea.

Kinachoogopesha zaidi, Sioni juhudi zozote za makusudi kuokoa hali hii mbaya. Jamaa zangu wengi wameshindwa kulipia school fees,Wengine wameshindwa kulipia mapango ya frem,Wengine ndoa zao zimevunjika na wengine wamepata stroku.
Lakini tukiwasikiliza viongozi wetu wanasema tupo pazuri. Najiuliza pazuri wapi?

Mwanzoni nilijua labda baba anafanyia nyumba usafi, Cha kushangaza tunamaliza miaka tano hali imekuwa tete zaidi ya tulipo toka.

Kuna hitajika jitihada za ziada kwenye uchumi wetu tena kwa speed kubwa la sivyo tutazalisha taifa la wamachinga na wapiga vibomu. Maana soon kodi za pango na serekali hazitalupika tena.

Natamani hii biashara yangu nimpe bure Dr mpango aiendeshe kwa miezi tu ili ajue hali halisi sio kukaa ofisini huku tukimlipa mshahara mnono bila kusaidia uchumi wetu.

Dr. Mpango mweleze rais hali mtaani ni mbaya,Watu tunapiga kazi asubuhi mpaka jioni lakini tunatoka kapa kila siku.

Halafu nimegundua ukiwa na hali mbaya mfukoni na majukumu ndio yanabisha hodi kwa kasi kweli kweli.

Hivi ilani ya chama ndio ilinadiwa kutekeleza hali iwe ngumu hivi? Tukutane mwakani october tuelezane kwa vitendo.
Click to expand...

Mada za namna hii ndizo ambazo zinafikirisha na kuleta mijadala ya nguvu...lakini nikwambie kitu ndugu yangu ...hali ya sasa ndiyo hali halisi...kwa miaka mingi watanzania tulikuwa hatuishi maisha halisi....haya ndiyo maisha yenyewe kiuchumi...kwamiaka mingi tulikuwa tunaishi maisha ya wizi wizi...fedha chafu za rushwa bandarini...wizi wa mafuta yasiyolipiwa kodi..tenda za ujanja serikalini...maofisi mengi ya brief case...wizi fedha za umma...kutofanya kaziserikalini na kufanyia mikutano kwenye mahoteli baadala ya ofisini...wizi wa mali za umma...sasa serikali hii imejaribu kuziba mianya hiyo...hakuna tena fedha chafu au za dezo...yaani fedha za aina hiyo zimepungua mno..sasa tunaishi maisha halali...tunatakiwa tufannye kazi...baada ya miaka kumi hivi hali itatengemaa...labda...madalali poleni sana yaani madalali wa nyumba, mashamba na kadhalika...
 
mbaga jr said:
mmh.! unafanya biashara gani hiyo ambayo unapitia mabondeni na milimani.?
bila shaka we ni muuza dawa za kulevya au ndo wale wasiojulikana.
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Unakung"utwa shenztype?Unaijua biashara we kenge au unatoa ushuzi kwakua jiwe kakupa shibe ya cheo,unajua hali halis ya biashara au kila siku mnafikir ni siasa tu,watu wanaumia alaf mijitu mnaleta kejeli za kiwendawazimu!!
 
Kibo10 said:
Nina miaka 18 kwenye biashara katika kipindi chote hicho,Nimepitia milima na mabonde.” Yani changamoto” Kitu ambacho ni cha kawaida kwenye biashara yoyote.

Lakini leo nakiri kwamba, Awamu hii imeuwa juhudi za watu wengi kufikia malengo yao kibiashara, Biashara zimeyumba kabisa, Mauzo yameshuka kwa asilimia zaidi ya 70, huku mitaji mingi ya wajasiria mali ikiteketea.

Kinachoogopesha zaidi, Sioni juhudi zozote za makusudi kuokoa hali hii mbaya. Jamaa zangu wengi wameshindwa kulipia school fees,Wengine wameshindwa kulipia mapango ya frem,Wengine ndoa zao zimevunjika na wengine wamepata stroku.
Lakini tukiwasikiliza viongozi wetu wanasema tupo pazuri. Najiuliza pazuri wapi?

Mwanzoni nilijua labda baba anafanyia nyumba usafi, Cha kushangaza tunamaliza miaka tano hali imekuwa tete zaidi ya tulipo toka.

Kuna hitajika jitihada za ziada kwenye uchumi wetu tena kwa speed kubwa la sivyo tutazalisha taifa la wamachinga na wapiga vibomu. Maana soon kodi za pango na serekali hazitalupika tena.

Natamani hii biashara yangu nimpe bure Dr mpango aiendeshe kwa miezi tu ili ajue hali halisi sio kukaa ofisini huku tukimlipa mshahara mnono bila kusaidia uchumi wetu.

Dr. Mpango mweleze rais hali mtaani ni mbaya,Watu tunapiga kazi asubuhi mpaka jioni lakini tunatoka kapa kila siku.

Halafu nimegundua ukiwa na hali mbaya mfukoni na majukumu ndio yanabisha hodi kwa kasi kweli kweli.

Hivi ilani ya chama ndio ilinadiwa kutekeleza hali iwe ngumu hivi? Tukutane mwakani october tuelezane kwa vitendo.
Click to expand...
Kwa maisha yalivyo tight watu wengi hawatapiga kura,na sisi hapo ndo tutafunga goal la mkono

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1954 said:
Mada za namna hii ndizo ambazo zinafikirisha na kuleta mijadala ya nguvu...lakini nikwambie kitu ndugu yangu ...hali ya sasa ndiyo hali halisi...kwa miaka mingi watanzania tulikuwa hatuishi maisha halisi....haya ndiyo maisha yenyewe kiuchumi...kwamiaka mingi tulikuwa tunaishi maisha ya wizi wizi...fedha chafu za rushwa bandarini...wizi wa mafuta yasiyolipiwa kodi..tenda za ujanja serikalini...maofisi mengi ya brief case...wizi fedha za umma...kutofanya kaziserikalini na kufanyia mikutano kwenye mahoteli baadala ya ofisini...wizi wa mali za umma...sasa serikali hii imejaribu kuziba mianya hiyo...hakuna tena fedha chafu au za dezo...yaani fedha za aina hiyo zimepungua mno..sasa tunaishi maisha halali...tunatakiwa tufannye kazi...baada ya miaka kumi hivi hali itatengemaa...labda...madalali poleni sana yaani madalali wa nyumba, mashamba na kadhalika...
Click to expand...
Mmekaririshwa huu wimbo km defensive mechanism dhidi ya sera mbovu za jiwe.Kila mtu alikua mwizi hvyo hata jiwe alikua mwizi.Acheni kuwa wapiga vigeregere km mmenyweshwa pombe za kienyeji
 
mitigator said:
Mmekaririshwa huu wimbo km defensive mechanism dhidi ya sera mbovu za jiwe.Kila mtu alikua mwizi hvyo hata jiwe alikua mwizi.Acheni kuwa wapiga vigeregere km mmenyweshwa pombe za kienyeji
Click to expand...

Sawa Ndugu..sisi tumekaririshwa na hilo, sasa nyie wenzetu mmekaririshwa na lipi??
 
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