Kwa nini tusichapishe hela mpya?

[Tango]

Nimekupata vizuri sasa mkuu kichuguu. Sasa tukitaka kupambana na hili tatizo la hela hafu mtaani tunafanyaje?

Napenda kuungana na wote waliochangia kuwa ni gharama isiyo ya lazima kuchapisha hela mpya. Fedha nyingi zipo mijini na kubadili sarafu ina maana ni kwa nchi nzima. Ukisoma ripoti ya hali ya huduma za fedha nchini (2006 , study mpya itakuwa tayari June 2009) utagundua kuwa huduma za kibenki zinapatikana kwa watu 1.6mil tu wengi wakiwa mijini. Nilikuwa Morogoro ndani ndani hivi majuzi ni kuwa ukitaka kupata huduma za benki inabidi kupiga mwendo wa km 160! mpaka morogoro mjini. Sasa kuna watu zaidi ya Mil 25 ambao kwa namna moja au nyingi na kwa uwezo tofauti tofauti wana fedha mifukoni mwao wapo mbali sana na benki. Kwa hali hiyo ukibadili sarafu kwa ajili ya mafisadi wachache ni watanzania wengi watapoteza kiwango kikubwa cha fedha (pengine hata kiwango ambacho mafisadi wanacho) na muda wa kuzibadili ambao ungeelekezwa kwenye shughuli za kiuchumi, GDP itaporomoka kama kweli wanatumia vigezo stahili. Kuhusiana na gharama pia ijulikane kwenye mfumo wa TZD ni kuwa inabidi kubadili kila kitu kwa mfano vouchers, payment systems, mikataba, baadhi ya sheria za nchi zenye viwango vya hela, nk nk. Gharama zote hizi ni ghali na unbearable!. Unless wataalamu waje na model ambayo itanonyesha kuwa tutafaidika kwa hili.


Pili kama lengo ni kuwabana mafisadi wachache (sidhani kama syndicate nzima inazidi watu mia tano) ni kuijenge uwezo mahakama zetu ziweze kuwashughulikia tu kwa mujibu wa sheria.

Tatu: Sina hakika kuwa kuna hela nyingi mitaani kwa sasa kuliko ilivyokuwa miaka miwili iliyopita. Nakumbuka watu walikuwa na hela nafikiri hizo za kifisadi ukienda kuangalia kiwanja mahali tu unaambiwa bei ya kufa mtu.. ukibisha naambiwa mbona jirani yangu ameuza kwa bai hiyo hivi majuzi. Kigezo cha kuwepo hela nyingi ni kuongezeka kwa inflation kwa maana ya kuwa watu wengi sasa wana hela nyingi na vinavyozalishwa ni vichache. Inflation tunayoiona sasa ni kwa sababu gharama za uzalishaji na kodi zimekuwa kubwa kwa hiyo ilalazimika vitu viuzwe bei mbaya. Wakati wa mzee ruksa ilifika mahali watu wanakuwa na hela nyingi mpaka wanazichomekea kwenye soksi na kuna wakati mtu alikuwa akiingia baa anasema fungeni wape watu vinjwaji. Hapo inflation ilikuwa 30% na kukopa benki kama 35%.

Kufanya direct intervention kwa kutoa fedha kwenye mzunguko ni mfumo wa kizamani. Kwa sasa kinachotakiwa ni serikali kutoa fedha zake katika mabenki ya biashara na kuzirudisha BoT. Pili serikali iimarisha masoko ya mitaji. Nitakupa mfano mmoja wa NMB. Walikuwa wamelega kupata bil 60 lakini maombi yalikuwa bil 200 kama sijakosea. Sasa hii ina maana gani. Ni kuwa kama tukiwa na kampuni imara zenye mwelekeo mzuri, watu wapo tayari kuwekeza kwenye hizo kampuni. Wakiwekeza ni kuwa wanatoa fedha kwenye mzunguko na hizi zitatumika kujenga makampuni imara yatakayotoa ajira zaidi na kutumia malighafi ya watanzania walio vijijini pengine. Badala ya kuwa na soko tu la hisa la Dar, tuwe na masoko mengine ili isaidie kutoa fedha kwa wananchi na kukuza mitaji. Tatu serikali kupitia vyombo vyake vya fedha viandae mkakati maalum wa kuharakisha usambazaji wa huduma za fedha. Kuwe na mabenki, mutual funds, waadae wataalamu wa kutosha. Ikiwezekana kila anayepewa fedha ziingie kwenye mfumo wa kibenki. Cha ajabu ni kuwa hili linaeleweka hata kwa benki kuu lakini ukienda seminars watu wanapewa cash cash tu bila hata kujiuliza. Baada ya muda BOT inakuja kutangaza tenda ya treasury bills kwa ajili ya kupunguza fedha mitaani. Mwisho wafadhli wote wanaotoa fedha wabanwe kuwa fedha zote zinazoingia nchini zipitie kwenye vyombo vya fedha hasa hasa benki kuu. Kinachotokea sasa ni kuwa ukiangalia fedha inayooahidiwa na kusemekana kutolewa na wafadhili ni kubwa kuliko ile ambayo actually inaingia kwenye account za serikali. Ifahamike tu kuwa mtindo wa wafadhili kutoa misaada directly kwa walengwa na nyingine kwenye mifuko yao binafsi inaadhiri kuwepo kwa fedha nyingi mifukoni. Kwa ambao wanataka kusoma zaidi wadownload na kuanalyze hizi docs

Naomba kuwasilisha.

 

[Nemesis]

Swali zuri sana. Nadhani jambo la kwanza ni kuimarisha wizara ya mambo ya ndani na ile ya fedha ili kuhakikisha kuwa serikali inawajua raia wake wote na mapato yao pamoja na malipo wanayofanya kwa watu wengine. Kwa mfano Marekani wanatumia utaratibu wa Social Security Number ambayo inatumika katika kodi na kufanya mapato ya halali ya kila raia au mkazi wa Marekani yajulikane. Nchi zote zilizoendelea zina utaratibu wa aina hiyo.

Jambo la pili ni kujenga sera nzuri ya utunzaji wa fedha. Kwa nchi kama Marekani, ukienda kununua gari kwa muuza magari ukalipa pesa taslimu dola elfu kumi, ujue unaweza kuishia kunakohusika, kwa sababu ya sheria za kuzuia money laundering.

Jambo la tatu ni kujenga utaratibu imara wa kukagua mapato ya raia wote kila mwaka kujua kama walilipa kodi sawasawa.

Inawezekana hayo hayatoshi ila yatasaidia sana kupunguza hela chafu mitaani.

Mkuu Kichuguu, mapendekezo yako ni mzuri sana lakini hayawezi kutekelezeka bongo bana, kitakacho tokea ni kuwanenepesha TRA na Polisi (au hao unaowaita mambo ya ndani) watanenepa mpaka wapasuke.

Ushauri wangu tuwatake BOT waanzishe mdahalo wa watalaam wa uchumi then tuone comments zao ndipo vyombo vya maamuzi vifanye kazi yake. Yaani hata fedha ya Comorro inadhamani kuliko yetu kwa nini? Comorro wapo chini kulinganisha na sisi katika masuala ya mapato, definitely wapo juu katika suala la kuhitaji fedha za kigeni, sasa iweje fedha yao iwe na dhamani kubwa kuliko yetu?

 

[Nyambala]

Ndiyo mku kichuguu nimekupata vizuri tena kwa hili lakini unachokiongelea mimi naona kama whilst ni sustainabe but ni long term solution. But what could be the short term soln in TZ mahali amabapo hatuna SSN, IDs, taxpayer number well tuna TIN ( Tax identification number) lakini si lazima na maybe only 1% ya watanzania wana hiyo TIN

 

[Mkandara]

Nyambala,
Mkuu binafsi nimesema hivi, ukitaka ku deal na fedha chafu zilizofichwa makaburi ni kuwafunga wote waliokuwa nazo.. Hivyo kusambaa kwa fedha hizo ambako kumezua inlflation kubwa nchini utapungua.
NI fedha ya EPA iliyopandisha sana gharama za maisha Dar hasa ktk viwanja, nyumba za kupanga, Ujenzi nyumba, magari, sehemu za starehe na kadhalika. Leo hii kuna watu Tanzania ukiwaambia kuhusu ukubwa wa dollar millioni 1 (yaani unajiita Millionea wanakushangaa...wao wanaona kama ni vijisenti, jambo ambalo huwezi kuliona nchi yoyote ya Ulaya hata iwe Marekani.. Hata Matajiri wa huku hawana dollar millioni 20 cash zimelala...Prime minister wa hapa aliondolewa madarakani kwa kujihusisha na hongo la dollar 500,000 tena ktk ujenzi wa Hotel ya rafiki yake..

Sasa Kutokana na kamatakamata hii fedha imeanza kuwa ngumu Dar na vitu vingi zinaanza kushuka bei kwa sababu fedha haiku flood mitaani.. kama nilivyosema ukitaka kuzuia mapanya ndani ya nyumba yako..Kuepuka maradhi mengineyo yanayoweza kusababishwa na hawa Mapanya basi deal na hao Mapanya.. Uki shift attention kutazama ni chakula gani kinachowavuta nyumbani kwako hao mapanya utakuwa umejiadhibu mwenyewe..Hii ni kazi mpya na haina Guarantee kuwa mapanya watashindwa kula chakula ambacho wewe mwenyewe hakikudhuru... Hii ndio logic ya msemo wangu uliotangulia..
Na Kichuguu kaizungumzia vizuri sana kiuchumi wakati mimi nimekupa mfano ambao unaweza kabisa kuutazama na kupima ni kipi Bora bila kutumia Kitabu cha elimu..
Sioni kabisa sababu ya kuwaogopa hawa watu kiasi kwamba tunaanza kutafuta sababu nyingine nje ya watuhumiwa.. Wafilisiwe, wafungwe na fedha zao walizoficha zisipate nafasi kusambaa mitaani wakija toka jela 30 years from now, well fedha tayari itakuwa imebadilika..

 

[Nyambala]

Mkuu mkandara unachosema ni sahihi lakini watu wenye hela chafu bongo kwa sasa nadhani watakuwa wengi. A tough question is nani hasa exactly ana hizo dirty shilingi. I mean utawatambuaje ili uwaweke ndani?

Na hili lingine la artificial inflation huwa linanikera mno nakumbuka mwaka juzi rafiki yangu mmoja alikuwa anatafuta nyumba ya kupanga (ya kifisadi kidogo... lol ) Just imagine mikocheni, na nyumba wala haitizami bahari jamaa anataka USD 8000 nilishindwa kuamini.

Unakuta plot inauzwa sehemu ambako hata hakufikiki na gari just b'coz is Mbezi beach bila haya mtu anakwambia 150,000,000, maji hakuna umeme nguzo tatu yaani bongo acha tu!!!!!!!!

 

[Kevo]

Na hapo ndio shida ilipo.
Na hawa jamaa wanaofanya huu uharamia wa kuweka pesa nje ya nchi huwa wanafikiri kwa makini kabla ya kufanya mambo hayo. Kwa Tanzania ya leo, sidhani kama bado kuna watu wanahifadhi mabilioni majumbani mwao. I stand to be corrected!



Ningekuona wa maana sana kama ungeandika sababu za kiuchumi ili na sie tuzichangie ama tukosoe, kuliko porojo ulizoandika hapo juu.
Unataka nani akufanyie kazi hiyo?Think!

Ni wa maana sana!
Ukiwa na matatizo ya kisheria holla me.ila ikuishiwa dont even think about it!

 

[Mkandara]

Nyambala,
Mimi navoamini fedha za Ufisadi hazijasambaa sana kama tunavyofikiria kwa sababu moja kubwa nayo ni kwamba ni asilin yetu sisi waafrika kushindwa kurithisha mali zetu. Mtu anakufa na elimu yake pamoja na mali yake..Hata makazini ni vigumu mtu kukufundisha kazi kwa kiwango cha juu kwa sababu kesho utakuja chukua kazi yake..wasomi wengi kazi hakuna.

Kwa hiyo tukiacha hiyo artificial inflation ambayo imetokana na fedha za Ufisadi nina hakika kabisa fedha hizi bado zipo mikononi mwa mafisadi wachache kina Jeetu ambao mtu mmoja anamiliki mashirika 10..kati ya majumba 10 mitaa ya Kariakoo 7 ni yanamilikiwa na mafisadi ambao Upangishaji kwao imekuwa biashara kubwa.
Ukienda Mbezi, Mikocheni kote utaona pia ni hao hao Mafisadi wamewajengea vicheche..kwa sababu hadi leo bado kabisa hatujajenga asilimia nzuri ya middle class, wafanyakazi wengi bado wanalipwa chini ya kiwango cha maisha ya kila siku ambayo kwa mtazamo wangu ni shilingi 10,000 kwa siku ktk miji mikuu kaa Dar.

Nakumbuka mwaka 1995 wakati Mkapa anaingia Ikulu Kariakoo nyumba zilikuwa zikiuzwa dollar 20,000 na hii ilikuwa juu sana kiasi kwamba watu wengi ikiwa ni pamoja na wahindi wenyewe walishindwa kuzinunua..Leo hii imefikia 800,000 hadi milioni bei ambayo utaikuta tu miji mikuu duniani..

Kisha watu wanaona wizi wa millioni 113 sii jambo kubwa, na hakuna anayejua huko nyuma zimeibiwa ngapi! ukitazama maswala ya jengo la BoT, IPTL, ATC, NBC, Rada na kadhalika mkuu. haya mashirika yote kabla hayajapigwa chini watu waliondoka na mabillioni na mikataba ikanunua mabillioni mengine..

Kwa hiyo ni kweli fedha hizi huwezi kufahamu ni nyumba ngapi hawa mapanya wamejenga mahekalu yao isipokuwa vita kama hii inayoendelea inatakiwa isiwe na mwisho.. Kesi baada ya kesi zinazohusiana na Ufisadi zifikishwe mahakamani.. Watakao kimbia nje wakimbie. Iwe kama mfumo wa Sokoine ambao mwaka mmoja tu thamani ya shilingi yetu ilirudi baada ya kupoteza thamani kutokana na wahujumu uchumi...
Na bahati nzuri leo hii hatupo tena ktk Ujamaa hivyo mwanzo hautakuwa mbaya na wenye madhara kama zamani...Lakini hizi ni hadithi tu za simulizi jambo kama hilio haliwezi kutokea kwa sababu moja kubwa.. Wezi ni hao hao watunga sheria! Viongozi mawaziri, ndio hao wabunge wetu.

 

[Nyambala]

Lakini hizi ni hadithi tu za simulizi jambo kama hilio haliwezi kutokea kwa sababu moja kubwa.. Wezi ni hao hao watunga sheria! Viongozi mawaziri, ndio hao wabunge wetu.

You have said it!

 

[Invisible]

Nyambala,
Mimi navoamini fedha za Ufisadi hazijasambaa sana kama tunavyofikiria kwa sababu moja kubwa nayo ni kwamba ni asilin yetu sisi waafrika kushindwa kurithisha mali zetu.

Noti zenyewe (za sasa) zina sahihi za wafuatao:

Waziri wa Fedha: Bazil P Mramba

Gavana: Daudi Ballali

Get the message

 

[Nyambala]

Noti zenyewe (za sasa) zina sahihi za wafuatao:

Waziri wa Fedha: Bazil P Mramba

Gavana: Daudi Ballali

Get the message

Of course kama navyosema invisible ni nia mojawapo pia ya kusafisha noti LoL!!!!!!!!!!!!!!

 

[Nyambala]

kumbe na wakulu walikuwa wakilifikiria hili, enwayz tuendelee kujadili, ila hiyo noti ya laki mimi simo!!!!!!!!

BoT to introduce new banknotes
By Mkinga Mkinga

The Bank of Tanzania (BoT) plans a major change of the country's currency notes, some five years since the money currently in circulation was introduced.

The central bank has in a notice published in the media last month, and also posted on its website, invited tenders for the printing of the currency notes.

This comes in the wake of reports that some businessmen had withdrawn from their bank accounts billions of shillings stolen through various corruption scandals.

Contacted for comment on the BoT move, some financial experts in Dar es Salaam cited the infamous External Payment Arrears (EPA) account scandal, through which Sh133 billion was irregularly paid out to some 22 companies and abuse of office for personal gain by some senior government officials as some of factors behind the planned currency changes.

But the minister for Finance and Economic Affairs, Mr Mustafa Mkulo, disagreed with that position, telling The Citizen in a telephone interview yesterday that the currency changes planned by the BoT had nothing to do with EPA scam.

"As a minister I can assure you that the EPA issue is not among those which have made the Government decide to change the currency," Mr Mkulo said.

However, BoT officials responsible for currency management, declined to comment when asked to shed some light on the reported currency changes.

According to the central bank's notice, the deadline for bidders to express their interest in printing the Bank of Tanzania currency notes is next Wednesday.

Sources within the bank said the BoT had decided to change notes as part of a plan to mop up the money paid out to some businessmen through the EPA scam.

The sources said that as the crackdown on the EPA scandal suspects intensified, some of them reportedly withdrew large amounts of the loot from their bank accounts, in a move, which had stunned the Government.

"About Sh18 billion was withdrawn from several local banks by the EPA suspects as the Government was planning to seize their assets and confiscate properties. This is a huge sum of money in the local transactions," the source said.

The source said that considering the global financial crisis, the change of currency would not have been advisable, but that it was necessary to mop up the "dirty money" to ensure economic stability.

The central bank's invitation of tenders means that Thomas De La rue, which has been printing Tanzanian currency, is not guaranteed continuation of the contract.

The Government's media advertisement says in part: "The Bank of Tanzania has set aside funds for various activities during the financial year 2008/09.

It is intended that part of the said funds will be applied to cover eligible payments under a contract for printing currency notes of various denomination to meet the payment requirements of the United Republic of Tanzania."

Through the advert, the BoT has invited "reputable and experienced firms worldwide" to bid for the contract to print the country's new notes.

The plan to change the currency, the sources said, was also partly due to the central bank's desire to remove from the notes the signatures of two former officials implicated in various scandals.

The current notes bear the signatures of former BoT Governor Daudi Ballali, who was sacked by President Jakaya Kikwete after it was revealed by an international audit firm, Ernst & Young, that the BoT lost Sh133 billion under his watch.

The notes also bear the signature of former Finance Minister Basil Mramba, who is facing abuse of office charges at the Kisutu Resident Magistrate's Court in Dar es Salaam.

Yesterday, Dr Haji Semboja, of the Economic Research Bureau at the University of Dar es Salaam told The Citizen that he saw "no substantive reason for the Government to implement such a project at this time".

He said that such changes were normally made when a new administration wanted to have its own notes.

"Sometimes, a new central bank management wants to come up with new things that can be identified with their practice," he said.
But he warned that changing notes usually had disadvantages, especially in the developing countries.

"Let them make sure that no mwananchi loses money in the process. Let the change be gradual such that we do not wake up one day and the note is changed," he said.

Dr Semboja ruled out a bid to control inflation as a factor in the decision to change the currency notes.

"Other countries have in the past changed their notes to control inflation. This cannot be the case in Tanzania as inflation is still relatively low," he said.

The Government last changed bank notes in 2003, when it introduced into circulation denominations of Sh500, Sh1,000, Sh2,000, Sh5000, and Sh10, 000.

At that time, all bank notes in the denominations of Sh10, Sh20, Sh500, Sh1,000, Sh5,000 and Sh10,000, which had been circulating, were withdrawn but continued to be exchanged only at the central bank.

In 1966, Tanzania broke away from the East African Currency Board and issued its own currency in the denominations of Sh5, Sh10, Sh20 and Sh100.

 

[Rev. Kishoka]

Mimi si Mchumi wala bingwa wa masuala ya fedha, lakini hutumia japo kapirienci kangu kujijenge a tuhoja twangu.

Labda GT na Zakumi wanaweza kuja nisaidia kwenye hili.

NImefikiria sana zoezi hili la kuchapa noti mpya kisa kupunguza kugushi, nikajiuliza, je tatizo ni mfumuko na kushuka kwa thamani ya shilingi ni kwa ajili ya kughushi tuu?

Ikiwa kina Lukaza na Jeetu Patel walirudisha pesa za EPA kwa viroba, na tunajua mfumo wetu wa fehda umeendelea kuruhusu na kujenga uhuru wa manoti pesa kusambaa, je BOT na wataalamu wake hawaoni umuhimu wa kurudisha ustawi na nguvu ya Shilingi ni kwa kutoa noti mpya kabisa huku wakifuta zile za zamani?

Na zaidi kama zoezi hili litafanyika kama lile zoezi la mwisho la kubadili noti lililotokea nafikiri miaka ya mwisho ya 70 kama si mwanzoni mwa miaka ya 80, hatuoni kuwa tunaweza kujenga kwa kasi hata kama ni kwa muda mfupi nguvu ya shilingi?

Kwa wale msiojua maana ya demonetization (sijui kiswahili sahihi) ni hivi, pesa zilizoko mzungukoni huacha kutumika kabisa, watumiaji hupewa siku kadhaa kwenda badilisha pesa zao na kurudisha pesa za zamani benki. Serikali na Benki kuu zinaweza kusema kuwa watatoa senti 60 kwa kila shilingi, zoezi linafanyika kwa siku saba, mchezo unakwisha! Kama ulifukia pesa zako chini ya mgomba sori chale!

Je kwa nini basi tusifanye hii Demonetization ambayo itaua ndege wawili kwa jiwe moja na si kuendelea kuchapa manoti mapya na kuendeleza libeneke la magodoro ya fedha taslimu?

 

[Zakumi]

Rev Kishoka:

Mimi hapa mweupe na sijui wana nia gani kuchapisha pesa. Hivyo nadhani watakuwa na nia nzuri tu.

Lakini nia nzuri hiyo ni lazima iambatane na ukweli BOT pekee yake haiwezi ku-stabilize shilingi au kuondoa kugushi kwa shillingi kunakoendelea.

Entities zingine za kiserikali au binafsi ni lazima zijiingize. Kwa mfano, manunuzi ya mazao kwa wakulima yafanyike kwa kupitia benki. Malipo ya wafanyakazi yapitie benki. Na transaction zingine kubwa ziwe benki na sio kwa pesa taslimu.

Mtu anapokuja na mamilioni ya pesa za kugushi, hatumii pesa hizo kununulia vitumbua au maandalizi. Atajaribu kutafuta sehemu ambazo atazitosa kwa wingi. Wengi walikuwa wanatumia mawakala wa kununua mazao vijijini. Na vitu kama hivyo.

Hivyo watu walipwe mishahara au malipo kwa hundi na baadaye waende benki kuvuta pesa. Na electronics payments kwa sasa inawezekana kabisa.

Watu wakishazoea kutumia benki kufanya malipo basi, pesa za kugushi na zile zilizochoka zitakuwa zinatambulika mapema na kutokurudishwa kwenye circulation.

 

[Rev. Kishoka]

Zakumi,

Gharama za kuchapisha noti mpya ni zile zile, kama zoezi la kubadili sarafu ni la ziada si kwa sana ukiangalia gharama nzima.

Kuna haja ya kubadilisha mfumo wetu wa pesa na benki na kudhibiti kuzagaa kwa shilingi mtaani kitu ambacho kinachangia kwa ukubwa sana kushuka kwa thamani ya shilingi au kuongezeka kwa ujazo usio na thamani (inflation).

 

[Bulesi]

Rev. Kishoka sioni sababui kwa benki kulipa senti 60 kwa kila shilingi ikiwa watu watapeleka kubadili fedha zao !! Kama ni kubadilisha fedha basi deadline inawekwa na watu wanapeleka noti za zamani na kupewa mpya kwa thamani ileile. Pengine kuna sababu za kitaalam nielimishe.

 

[Caroline Danzi]

Nafikiri ukirudisha shilingi upewe shilingi unless kuna sababu ya kufanya hivyo na iwe kwa maandishi na maelezo ya kutufanya tuelewe.

Ubadilishaji huu unafanyika kwa sababu ya ufisadi uliojitokeza au urudishaji wa fedha toka kwa fisadi. I am sure kila kitu kinayika na sababu.

Nisaidieni.

 

[Rev. Kishoka]

Demonitetization si lazima kurudisha shilingi kwa shilingi. Zoezi linaweza kusema kwa wale walio na pesa zao benki, ndio pekee watakao pata shilingi kwa shilingi. Kwa wale waliohodhi pesa ndio unawakata senti 40.

Infact unaweza hata kuweka viwango, atakayerusidha Benki fedha Taslimu zaidi ya Shilingi milioni 5 ndio unawakata senti 40, wengine wote ni shilingi kwa shilingi.

Dhumuni kubwa ni kupunguza fedha iliyoko kwenye mzunguko, na zaidi kabisa ni kurudisha kijithamani fulani.

 

[Zakumi]

Demonitetization si lazima kurudisha shilingi kwa shilingi. Zoezi linaweza kusema kwa wale walio na pesa zao benki, ndio pekee watakao pata shilingi kwa shilingi. Kwa wale waliohodhi pesa ndio unawakata senti 40.

Infact unaweza hata kuweka viwango, atakayerusidha Benki fedha Taslimu zaidi ya Shilingi milioni 5 ndio unawakata senti 40, wengine wote ni shilingi kwa shilingi.

Dhumuni kubwa ni kupunguza fedha iliyoko kwenye mzunguko, na zaidi kabisa ni kurudisha kijithamani fulani.

Demonitetization ya kukata pesa inaweza kuleta umasikini tu na resentment. Na sioni sababu ya BOT kufanya hivyo kwa sababu itakuwa imekiuka mikataba yake yenyewe. Kila note imeandikwa kuwa ni legal tender kwa thamani fulani. Hivyo BOT inapokiuka thamani ya tender yenyewe, itakuwa inafanya kitendo kisicho halali.

Na vilevile kitendo hicho kitazidisha madafu-nization ya pesa yetu. Tunataka watu wawe serious na pesa yetu. Watu wawili mjini DSM, mmoja akiwa na shilingi 1,300 na mwingine akiwa na dollar moja, ni lazima kwa kipindi chote wajisikie kuwa wana uwezo sawa kipesa.

Lakini kikiwepo kipindi hata kama ni cha wiki moja tu, ambacho kitafanya mwenye shillingi 1,300 ajisikie kuwa ana 60% ya pesa yake au 60% ya dollar moja ya kimarekani, basi utakuwa umechochea mahitaji ya dollar yasio ya lazima. Watu wataanza kutumia dollar na kuhodhi pesa zao katika dollar. Kwa sababu dollar ina usalama zaidi kuliko shillingi. Hivyo katika kipindi hiki kifupi unaweza ku-triger inflation na devaluation ambayo haikutakiwa kuwepo.

Hivyo hatua zozote ni lazima ziangalie Psychological Implications kwa jamii.

Kwa maoni yangu binafsi. Naona kuwa BOT ni regulator. Na nchi haiwezi kuendelea kwa kutegemea regulator anafanya nini kila siku. Ni lazima entities zingine zianze kufanya kazi.

Tuna miaka zaidi ya 40 ya kusoma elimu ya kisasa. Features zilizopo katika noti zetu bado zinaweza kutofautisha noti za kugushi na zile halali. Na kama watu wengi wanashindwa kutofautisha basi we are in serious trouble. Ni lazima tuanze ku-question system ya education yetu.

 

[Mpita Njia]

Je kwa nini basi tusifanye hii Demonetization ambayo itaua ndege wawili kwa jiwe moja na si kuendelea kuchapa manoti mapya na kuendeleza libeneke la magodoro ya fedha taslimu?

Mkuu Mchungaji, hivi ndivyo ambavyo BoT wanataka kufanya, kubadilisha noti zote na kuleta mpya. lakini kinachoshangaza inaelezwa kuwa kikubwa kinacholeta msukumo wala si sababu za kiuchumi, bali za kisiasa zaidi-wanataka kuondoa saini za mafisadi kwenye noti -balali na mramba!!!!!

 

[Rev. Kishoka]

Demonitetization ya kukata pesa inaweza kuleta umasikini tu na resentment. Na sioni sababu ya BOT kufanya hivyo kwa sababu itakuwa imekiuka mikataba yake yenyewe. Kila note imeandikwa kuwa ni legal tender kwa thamani fulani. Hivyo BOT inapokiuka thamani ya tender yenyewe, itakuwa inafanya kitendo kisicho halali.

Na vilevile kitendo hicho kitazidisha madafu-nization ya pesa yetu. Tunataka watu wawe serious na pesa yetu. Watu wawili mjini DSM, mmoja akiwa na shilingi 1,300 na mwingine akiwa na dollar moja, ni lazima kwa kipindi chote wajisikie kuwa wana uwezo sawa kipesa.

Lakini kikiwepo kipindi hata kama ni cha wiki moja tu, ambacho kitafanya mwenye shillingi 1,300 ajisikie kuwa ana 60% ya pesa yake au 60% ya dollar moja ya kimarekani, basi utakuwa umechochea mahitaji ya dollar yasio ya lazima. Watu wataanza kutumia dollar na kuhodhi pesa zao katika dollar. Kwa sababu dollar ina usalama zaidi kuliko shillingi. Hivyo katika kipindi hiki kifupi unaweza ku-triger inflation na devaluation ambayo haikutakiwa kuwepo.

Hivyo hatua zozote ni lazima ziangalie Psychological Implications kwa jamii.

Kwa maoni yangu binafsi. Naona kuwa BOT ni regulator. Na nchi haiwezi kuendelea kwa kutegemea regulator anafanya nini kila siku. Ni lazima entities zingine zianze kufanya kazi.

Tuna miaka zaidi ya 40 ya kusoma elimu ya kisasa. Features zilizopo katika noti zetu bado zinaweza kutofautisha noti za kugushi na zile halali. Na kama watu wengi wanashindwa kutofautisha basi we are in serious trouble. Ni lazima tuanze ku-question system ya education yetu.

Zakumi,

Okay, lets reverse the fortunes. What if Jamhuri and BOT would guarantee a 5% interest into a savings account for anyone who would open an account with a bank during the exercise than taking out a Bulungutu la shilingi kwa shilingi?