Mabenki na mikopo ya biashara kwa graduates

[babu M]

Mara ya kwanza kutembelea nchi moja iliyoendelea kila sehemu niliyokwenda nilikutana na mabandiko mpaka kwenye mabaa "Caution C.C.T.V. in Operation" nikawa ninajiuliza kwa nini una mtaadharisha mwalifu, bila warning signs itakuwa rahisi kuwakamata, lakini baadae nikagundua madhumuni ni kudiscourage criminals from committing crimes.

Chance ya Graduates kupoteza hiyo mikopo ni 90%(usiniulize kwa nini) kama baadae hawezi kupata kazi kwasababu hawana vyeti ingawa wana elimu nzuri nini kitafuatia zaidi ya kuwa matapeli,majambazi,vibaka n.k?

In the long run this scheme will create waalifu ambao ni graduates

 

[reandle]

Mkopaji (graduate) akifariki kabla ya kurejesha mkopo, benki itapataje hela zake?

cku hizi zipo benki ambazo mkopaji anapofariki, wana-write off lile deni....in short kunakuwa na bima ya mkopo ambayo inakuwa ndogo sana!

Likewise, hapo ndipo unapokuja umuhimu wa serikali kama guarantor, zinapotokea scenario kama hizo ndipo gvt inaweza kuwajibika coz' the program itself inaisaidia serikali ktk suala zima la kuongeza ajira na wigo wa kodi. think of death rate, then check out on probability ni wangapi wanaweza kufariki (say) in 100 customer portifolio! ktk hali ya kawaida, the number will be insignificant unless patokee unexpected disaster.

In addition, in case of mkopo mkubwa, then tunaweza kutoa mkopo wa aina hiyo kwa kampuni.....means lazima pawe na two or more friends with the same ambition watakaoendesha biashara husika....kufa kwa mmoja wao, si kifo cha kampuni, n contrast to sole proprietorship!

 

[reandle]

Mara ya kwanza kutembelea nchi moja iliyoendelea kila sehemu niliyokwenda nilikutana na mabandiko mpaka kwenye mabaa "Caution C.C.T.V. in Operation" nikawa ninajiuliza kwa nini una mtaadharisha mwalifu, bila warning signs itakuwa rahisi kuwakamata, lakini baadae nikagundua madhumuni ni kudiscourage criminals from committing crimes.

Chance ya Graduates kupoteza hiyo mikopo ni 90%(usiniulize kwa nini) kama baadae hawezi kupata kazi kwasababu hawana vyeti ingawa wana elimu nzuri nini kitafuatia zaidi ya kuwa matapeli,majambazi,vibaka n.k?

In the long run this scheme will create waalifu ambao ni graduates

NOPE!! hicho siyo ninachomaanisha!!! kwamba eti mtu akishindwa kulipa vyeti vyake ndo basi tena!!!! Hiyo haitakuwa kutenda haki kwa tafsiri yoyote ile!

Cheti kinashikiliwa kwa muda kama njia ya kuratibu movements za wadeni. Kwamba, assume panatungwa sheria yenye lengo la ku-favor hiyo program isemayo it's strictly prohibited for an employer to recruit new employee without submission of certified original certificates!

Kwahiyo, huyu jamaa ambae yupo kwenye blacklist, anaweza ku-apply popote, na atakapotakiwa ku-submit original certificates, ndipo atakapotakiwa kufanya na consultaion na creditor wake....na hapo ndipo patakapokuwa na agreement between creditor na employer ya kupelekwa monthly installments toka kwenye mshahara wa mdaiwa!!!

 

[reandle]

lakini nas, kitu ambacho nimeshaona kuhusu kuhodhi vyeti ni kuwa unakuta mtu ana kampuni yake, whether kasoma or not. anachukua vyeti vya waajiriwa wake. Vyeti orijino. Anavihifadhi kwa mkataba maalum wa ajira ya hao wasomi.mkataba ukiisha anawarudishia ama anahuisha mkataba.

Pia katika benki kuna ishu ya liquidity of an asset. How quick for instance can you turn a debtor into cash? Kile cheti ni asset sawa. How liquid is it?

NOT LIQUD AT ALL. Nazani mengine nimeyaeleza kwenye post zingine hivyo jaribu kuzipitia halafu u-comment (+ve/-ve) maelezo yenyewe.

 

[Raia Fulani]

NOT LIQUD AT ALL. Nazani mengine nimeyaeleza kwenye post zingine hivyo jaribu kuzipitia halafu u-comment (+ve/-ve) maelezo yenyewe.

hata finca na pride zilianza hivihivi. Hilo wazo lako kamwe mabenki hawawezi kulifanyia kazi, at least for now. Sasa ni wakati mzuri kwako kulifanyia kazi wazo lako kwa kuanzisha taasisi ya fedha kwa kuanza na product hiyo

 

[reandle]

hata finca na pride zilianza hivihivi. Hilo wazo lako kamwe mabenki hawawezi kulifanyia kazi, at least for now. Sasa ni wakati mzuri kwako kulifanyia kazi wazo lako kwa kuanzisha taasisi ya fedha kwa kuanza na product hiyo

I guess u're the type of the bosses who tell their team " if u wish 2 implement tht idea, then start ur own company and not the company i starved for....!" u can't go father tht way broda!!!

 

[LAT]

mkuu wangu

pokea hizi changamoto urudi kwenye drawing board ukazifanyie kazi kwa uhalisia na si kwa nadharia, sidhani kama ni tija kubisha tuu na haitasaidia kama utakuwa unajibu kila post in defence of your idea

i wish you all the best

 

[reandle]

mkuu wangu

pokea hizi changamoto urudi kwenye drawing board ukazifanyie kazi kwa uhalisia na si kwa nadharia, sidhani kama ni tija kubisha tuu na haitasaidia kama utakuwa unajibu kila post in defence of your idea

i wish you all the best

LAT< be serious!! Ukisema nabisha tu u're very wrong; why? Mtu anaebisha tu anabisha bila hoja! Lakini ninachofanya mimi ni kukifafanua kila kinachoonekana ni kikwazo....hiyo sio kubisha. Ingekuwa mtu anasema impossible due to ABC nami nasema hakuna kitu kama hicho...hiyo ndio inaweza kuitwa kubisha tu!

By the way, unafahamu kwanini nimeleta hapa hii ki2?! Nilifahamu from the begining wapo watakaobisha kwa hoja na wapo watakaobisha bila hoja na wapo watakao-support bila hoja! Na katika mazingira kama hayo ndipo kinapopatikana kitu best.

Nilichotarajia mimi, endapo mtu atasema kikwazo ni XYZ, nami nikasema hiyo XYZ inaweza kuwa treated this way; then mtu aanze tena kui-crticise hiyo "this way" na sio tena kurudi kwenye XYZ! Na hicho ndicho ninachokiomba wewe na crtitics wengine wakifanye! u know wht i mean?!

Asume issue under question ni tatizo la maji. Nikisema tatizo la maji tunaweza kutatua kwa kuchimba visima, critic asirudi tena kwa tatizo la maji, bali aseme hiyo issue ya visima haiwezekani due to ABC....(say) ardhi ya hapa mgumu sana kuweza kuchimba visima. Kama nitakuja tena na kusema suala la ardhi kuwa ngumu tunaweza kukabiliana nalo kwa kule strong drilling machines; then sitarajii tena mtu alete hoja ya kwamba ardhi ngumu....

Natarajia alete hoja kwamba kupata drilling machine ni ngumu sana....nikisema we can get drilling machine by doing XYZ, then reasonable criticism hapo isiwe na ni hard kupata strong drilling machine, bali hoja hapo iwe how hard doing XYZ.....mkienda that way, mtafika mwisho na ku-conclude kwavile mtakuwa mme-analyse all possible obstacles!!! Don' wish me all the best, this ain't me, but for us!! let's go that way!

 

[LAT]

LAT< be serious!! Ukisema nabisha tu u're very wrong; why? Mtu anaebisha tu anabisha bila hoja! Lakini ninachofanya mimi ni kukifafanua kila kinachoonekana ni kikwazo....hiyo sio kubisha. Ingekuwa mtu anasema impossible due to ABC nami nasema hakuna kitu kama hicho...hiyo ndio inaweza kuitwa kubisha tu!

By the way, unafahamu kwanini nimeleta hapa hii ki2?! Nilifahamu from the begining wapo watakaobisha kwa hoja na wapo watakaobisha bila hoja na wapo watakao-support bila hoja! Na katika mazingira kama hayo ndipo kinapopatikana kitu best.

Nilichotarajia mimi, endapo mtu atasema kikwazo ni XYZ, nami nikasema hiyo XYZ inaweza kuwa treated this way; then mtu aanze tena kui-crticise hiyo "this way" na sio tena kurudi kwenye XYZ! Na hicho ndicho ninachokiomba wewe na crtitics wengine wakifanye! u know wht i mean?!

Asume issue under question ni tatizo la maji. Nikisema tatizo la maji tunaweza kutatua kwa kuchimba visima, critic asirudi tena kwa tatizo la maji, bali aseme hiyo issue ya visima haiwezekani due to ABC....(say) ardhi ya hapa mgumu sana kuweza kuchimba visima. Kama nitakuja tena na kusema suala la ardhi kuwa ngumu tunaweza kukabiliana nalo kwa kule strong drilling machines; then sitarajii tena mtu alete hoja ya kwamba ardhi ngumu....

Natarajia alete hoja kwamba kupata drilling machine ni ngumu sana....nikisema we can get drilling machine by doing XYZ, then reasonable criticism hapo isiwe na ni hard kupata strong drilling machine, bali hoja hapo iwe how hard doing XYZ.....mkienda that way, mtafika mwisho na ku-conclude kwavile mtakuwa mme-analyse all possible obstacles!!! Don' wish me all the best, this ain't me, but for us!! let's go that way!

NasDaz

please go back and re-test your research hypothesis

thanks

 

[DULLAH B.]

NasDaz idea yako nimeikubali na itapunguza tatizo la ajira kwa magraduate we2. But baadhi yao wana akili ya kitoto ukimpa pesa anaenda kutesa na kujenga heshima baa kwani 2nawaona vyuoni. All in all your idea is good.

 

[reandle]

NasDaz

please go back and re-test your research hypothesis

thanks

Well and good, nitafanya hivyo pindi nitakapopata reasonable criticism kwa kuniambia kila nilichokiandika kama solution hakiwezekani due to ABC! Na hiyo ABC nikishindwa kuitafutia solution, then nita-accept defeat. By the way, let me ask u something. Assume u're Business Development Manager in a certain bank.

Ur boss ni kama mimi, ambae anaamini this's pocbo, tatizo ni HOW! Na hivyo anakupa assignment ya kuangalia ni namna gani hii issue inaweza kufanyika. His/her last sentence anakumbia " i give u 3 days to work on it!" Je, utaniambia nini boss wako? "This's completely impossible boss!".......will this be ur answer LAT?!

Mind, his/her concern is how inaweza kufanyika, and not "inawezekana au haiwezekani!" will u give up tht easily?! will u resign from his/her team?!

 

[LAT]

Well and good, nitafanya hivyo pindi nitakapopata reasonable criticism kwa kuniambia kila nilichokiandika kama solution hakiwezekani due to ABC! Na hiyo ABC nikishindwa kuitafutia solution, then nita-accept defeat. By the way, let me ask u something. Assume u're Business Development Manager in a certain bank.

Ur boss ni kama mimi, ambae anaamini this's pocbo, tatizo ni HOW! Na hivyo anakupa assignment ya kuangalia ni namna gani hii issue inaweza kufanyika. His/her last sentence anakumbia " i give u 3 days to work on it!" Je, utaniambia nini boss wako? "This's completely impossible boss!".......will this be ur answer LAT?!

Mind, his/her concern is how inaweza kufanyika, and not "inawezekana au haiwezekani!" will u give up tht easily?! will u resign from his/her team?!

i will call a spade .... spade

 

[Raia Fulani]

I guess u're the type of the bosses who tell their team " if u wish 2 implement tht idea, then start ur own company and not the company i starved for....!" u can't go father tht way broda!!!

wakati mwingine nature inawalazimisha kuwa wajasiriamali ila hamtaki ama hamna uthubutu. Fanyia hiyo idea kazi! Na kama inakuwa ngumu kwako kufanyia kazi why uje kufanya pilot kwenye kampuni yangu? Mi nakupa moyo na wewe unapinga tu. Niambie ni benki ngapi zimekubaliana na wazo lako? Kama hakuna mbona unanipinga tu nikikuambia kuza wazo lako? Basi wewe si mjasiriamali bali mwanafursa tu.

 

[reandle]

wakati mwingine nature inawalazimisha kuwa wajasiriamali ila hamtaki ama hamna uthubutu. Fanyia hiyo idea kazi! Na kama inakuwa ngumu kwako kufanyia kazi why uje kufanya pilot kwenye kampuni yangu? Mi nakupa moyo na wewe unapinga tu. Niambie ni benki ngapi zimekubaliana na wazo lako? Kama hakuna mbona unanipinga tu nikikuambia kuza wazo lako? Basi wewe si mjasiriamali bali mwanafursa tu.

Unanipa moyo?! Upi?! Huo wa kuniambia nianzishe taasisi ya fedha ya kwangu, au?! By the way, mie nimeleta huu uzi hapa ili wadau waweze kuchangia mawazo kwa hoja...iwe kwa kukubali au kukataa!

Katika hali kama hiyo ndipo yanaweza kuibuka mambo mengi mengi zaidi ambayo mimi na wewe huenda hatuyajui!Wewe uliuliza tu "How liquid it's!" Hayo ndio mambo niliyotaka tujadili. Nikakuambia, NOT LIQUID AT ALL....!

Kwenye mjadala wa kisomi, hapo ndio ingekuwa ndio standing point kwamba, if not liquid at all; then how can we use it?" Badala yake, hapo hapo uka-conclude kwamba heri nianzishe taasisi ya fedha ya kwangu ndipo ni-introduce hiyo ki2....!!!

Kwahiyo wewe uli-rely kwenye liquidity only and not otherwise! Nilishasema kabla, usizani benki inachukua asset ya m2 ili iuze mteja akishindwa kulipa.....kuuzwa kwa asset ni last option kwa bank ! na ndio maana nikaeleza kabla, unakuta benki imetoa mkopo wa milioni 5, na inashikilia hati ya nyumba ya sh50m na bado ukichelewa siku moja kupeleka marejesho lazima wakufuatilie...hawasemi as far as tumeshikilia dhamana yenye thamani mara 5 ya mkopo, then shauri yake asipoleta marejesho coz' we can sell nyumba yake....!

Ukiangalia ukweli huo, utagundua kwamba lengo la dhamana ni kama kama chagizo la kumfanya mteja alipe na ndio maana mteja anapokuja kuonekana kwamba ana good track record, anaweza kupewa loan bila security! and am telling, kama mabenki wangekuwa na uhakika kwamba wateja ni waaminifu kwa 100%,then suala la security lisingekuwepo!
Unanipa moyo?! Upi?! Huo wa kuniambia nianzishe taasisi ya fedha ya kwangu, au?!

By the way, mie nimeleta huu uzi hapa ili wadau waweze kuchangia mawazo kwa hoja...iwe kwa kukubali au kukataa! katika hali kama hiyo ndipo yanaweza kuibuka mambo mengi mengi zaidi ambayo mimi na wewe huenda hatuyajui!Wewe uliuliza tu "How liquid it's!" Hayo ndio mambo niliyotaka tujadili.

Nikakuambia, NOT LIQUID AT ALL....! kwenye mjadala wa kisomi, hapo ndio ingekuwa ndio standing point kwamba, if not liquid at all; then how can we use it?" Badala yake, hapo hapo uka-conclude kwamba heri nianzishe taasisi ya fedha ya kwangu ndipo ni-introduce hiyo ki2....!!!

Kwahiyo wewe uli-rely kwenye liquidity only and not otherwise! Nilishasema kabla, usizani benki inachukua asset ya m2 ili iuze mteja akishindwa kulipa.....kuuzwa kwa asset ni last option kwa bank ! na ndio maana nikaeleza kabla, unakuta benki imetoa mkopo wa milioni 5, na inashikilia hati ya nyumba ya sh50m na bado ukichelewa siku moja kupeleka marejesho lazima wakufuatilie...hawasemi as far as tumeshikilia dhamana yenye thamani mara 5 ya mkopo, then shauri yake asipoleta marejesho coz' we can sell nyumba yake....!

Ukiangalia ukweli huo, utagundua kwamba lengo la dhamana ni kama kama chagizo la kumfanya mteja alipe na ndio maana mteja anapokuja kuonekana kwamba ana good track record, anaweza kupewa loan bila security! and am telling, kama mabenki wangekuwa na uhakika kwamba wateja ni waaminifu kwa 100%,then suala la security lisingekuwepo!

In addition, kusema mbona hamna benki wanayofanya hiyo ki2, hiyo sio hoja hata kidogo! Always, watu inabidi watoe idea, ipingwe sana, lakini anatokea risk taker mmoja anaifanyia kazi ndipo wengine wanafuata! did u expect kwamba kampuni za simu zingeweza kutoa huduma ya bima?!

Leo hii Tigo wanatoa Life Insurance, free of charge...amount paid to customer is just calculated from wht customer spent (air time) a month before! lakini kwa watu ambao hawataki kukubali new ideas, bado wanasema: "HOW COME, lazima kuna wizi ndani yake!

 

[Developer]

Sijapata muda wa kusoma hii thread lakini SUA kuna kitu kama hiki kinaendelea, na kipo katika hatua za mwisho waweze kupatikana beneficiaries wa kwanza, original academic certificate ndo imetumika kama collateral, wana waregards graduates kama SME so wana umezo wa kukopeshwa kuanzia mil 20 - mil 300..,

 

[Raia Fulani]

ndugu nas, katika maelezo yako yote katika kunijibu nimeona maneno machache tu. '...anatokea risk taker mmoja na kulifanyia wazo kazi...' WHY NOT YOU THEN! Na katika mfumo wa maisha tunayoishi haitakaa itokee mabenki kutoa mikopo bila dhamana. Haitakaa itokee. Labda utuambie kuwa kuna kitu unakitaka ambacho hujakisema na unataka watu wakiseme. Ama na wewe pia hukijui ila katika mjadala kitatokea chenyewe. Narudia tena, mabenki hawawezi kufanyia wazo lako kazi kwa sasa. Why not you to take the risk? And you said NOT LIQUID AT ALL. Make it liquid by initiating your financial institution

 

[reandle]

NasDaz idea yako nimeikubali na itapunguza tatizo la ajira kwa magraduate we2. But baadhi yao wana akili ya kitoto ukimpa pesa anaenda kutesa na kujenga heshima baa kwani 2nawaona vyuoni. All in all your idea is good.

u're absolutely correct! But u know wht?! Hiyo ndio moja ya changamoto iliyopo ndani ya microlending sector!! But we keep on learning so as we can be able to face and overcome various challenges and not to run from them since it's much clear now tht, challenges are parts and parcels of our daily life. And only those people who face and overcome challenges, are the one who'l always be ahead of others!

Now back 2 ur point. Assume Mr. X amekuja na Biz Plan yake, amei-defend mbele ya panel na panel ikaridhika kabisa kwamba the idea is viable. Say Mr. X ni Mechanics Graduate anayekusudia kuanzisha gereji yake. Loan requested ni 10m. So, badala ya Mr. X kupewa physical cash, bank inaamua ku-finance project kwa kununua vifaa vyote muhimu pamoja na rent kisha Mr. X anaachiwa kazi ya kuendesha biashara yake kv ame-prove anaweza. Don' u think kwamba hapo risk ya matumizi mabaya ya fedha yatakuwa minimised?!

But all in all, ninachozungumza mimi sio kwamba ili mradi mtu ame-graduate na GPA yake ya 4.8 ndio tayari tena anakuwa eligible kwa loan. No, that's absolutely BIG NO! tht's only for graduates with entrepreneurial ability with ambition 2b employers and not employees. Hawa watu watatakiwa kuwa na viable business ideas supported by biz plan ambayo mwenye nayo lazima aweze kuitetea mbele ya panel.

 

[Waberoya]

mkuu

dhamana ikubaliwayo na benki ni mali yenye thamani lakini mbona hutaki kujibu, basi na vyeti vya ndoa navyo tuviweke dhamana na passport nayo tuweke dhamana, be realistic thamani ya kifedha as an asset ya cheti cha kuhitimu ni nini, hivyo basi kubali kwamba Academic certificate is not an asset , period

kwanini pride wanakopesha kina mama kwa kuwekeza TV & freezer? vinathamani na vinauzika ku recover

justify risk compliance

jenga hoja ya kuwapa youth empowernment ili waende benki na wakopesheke mojawapi ya hiyo ni kuwa na sound government credit guarantees, serikali pia inaweza kupima mashamba mengi sana na kumilikisha wananchi kwa bei nafuu na kutengeneza policy (ambayo nadhani inakuja) ya kufanya mabenki yakopeshe wananchi kwa kutumia only piece of land as security

hata miti kwenye shamba inakubalika kama dhamana sembuse hicho kikaratasi unachokisema,

una hoja nzuri ya kuwawezesha vijana kukopesheka lakini siyo kwa style hiyo,

Mkuu benki haiwezi kukubali ACADEMI CERTIFICATE per see

Ila serikali kama ina nia ya dhati inaweza kushirikiana na hawa graduates kwenye kukopa, soma vizuri post ya entreprenuer

All in all mtoa hoja ana point muhimu sana..try to get him

 

[Waberoya]

Unanipa moyo?! Upi?! Huo wa kuniambia nianzishe taasisi ya fedha ya kwangu, au?! By the way, mie nimeleta huu uzi hapa ili wadau waweze kuchangia mawazo kwa hoja...iwe kwa kukubali au kukataa! katika hali kama hiyo ndipo yanaweza kuibuka mambo mengi mengi zaidi ambayo mimi na wewe huenda hatuyajui!Wewe uliuliza tu "How liquid it's!" Hayo ndio mambo niliyotaka tujadili. Nikakuambia, NOT LIQUID AT ALL....!

Kwenye mjadala wa kisomi, hapo ndio ingekuwa ndio standing point kwamba, if not liquid at all; then how can we use it?" Badala yake, hapo hapo uka-conclude kwamba heri nianzishe taasisi ya fedha ya kwangu ndipo ni-introduce hiyo ki2....!!! Kwahiyo wewe uli-rely kwenye liquidity only and not otherwise!

Nilishasema kabla, usizani benki inachukua asset ya m2 ili iuze mteja akishindwa kulipa.....kuuzwa kwa asset ni last option kwa bank ! na ndio maana nikaeleza kabla, unakuta benki imetoa mkopo wa milioni 5, na inashikilia hati ya nyumba ya sh50m na bado ukichelewa siku moja kupeleka marejesho lazima wakufuatilie...hawasemi as far as tumeshikilia dhamana yenye thamani mara 5 ya mkopo, then shauri yake asipoleta marejesho coz' we can sell nyumba yake....!

Ukiangalia ukweli huo, utagundua kwamba lengo la dhamana ni kama kama chagizo la kumfanya mteja alipe na ndio maana mteja anapokuja kuonekana kwamba ana good track record, anaweza kupewa loan bila security! and am telling, kama mabenki wangekuwa na uhakika kwamba wateja ni waaminifu kwa 100%,then suala la security lisingekuwepo!
Unanipa moyo?! Upi?!

Huo wa kuniambia nianzishe taasisi ya fedha ya kwangu, au?! By the way, mie nimeleta huu uzi hapa ili wadau waweze kuchangia mawazo kwa hoja...iwe kwa kukubali au kukataa! katika hali kama hiyo ndipo yanaweza kuibuka mambo mengi mengi zaidi ambayo mimi na wewe huenda hatuyajui!Wewe uliuliza tu "How liquid it's!"

Hayo ndio mambo niliyotaka tujadili. Nikakuambia, NOT LIQUID AT ALL....! kwenye mjadala wa kisomi, hapo ndio ingekuwa ndio standing point kwamba, if not liquid at all; then how can we use it?"

Badala yake, hapo hapo uka-conclude kwamba heri nianzishe taasisi ya fedha ya kwangu ndipo ni-introduce hiyo ki2....!!! Kwahiyo wewe uli-rely kwenye liquidity only and not otherwise! Nilishasema kabla, usizani benki inachukua asset ya m2 ili iuze mteja akishindwa kulipa.....kuuzwa kwa asset ni last option kwa bank !

Na ndio maana nikaeleza kabla, unakuta benki imetoa mkopo wa milioni 5, na inashikilia hati ya nyumba ya sh50m na bado ukichelewa siku moja kupeleka marejesho lazima wakufuatilie...hawasemi as far as tumeshikilia dhamana yenye thamani mara 5 ya mkopo, then shauri yake asipoleta marejesho coz' we can sell nyumba yake....!

Ukiangalia ukweli huo, utagundua kwamba lengo la dhamana ni kama kama chagizo la kumfanya mteja alipe na ndio maana mteja anapokuja kuonekana kwamba ana good track record, anaweza kupewa loan bila security! and am telling, kama mabenki wangekuwa na uhakika kwamba wateja ni waaminifu kwa 100%,then suala la security lisingekuwepo!

In addition, kusema mbona hamna benki wanayofanya hiyo ki2, hiyo sio hoja hata kidogo! Always, watu inabidi watoe idea, ipingwe sana, lakini anatokea risk taker mmoja anaifanyia kazi ndipo wengine wanafuata! did u expect kwamba kampuni za simu zingeweza kutoa huduma ya bima?!

Leo hii Tigo wanatoa Life Insurance, free of charge...amount paid to customer is just calculated from wht customer spent (air time) a month before! lakini kwa watu ambao hawataki kukubali new ideas, bado wanasema: "HOW COME, lazima kuna wizi ndani yake!

sawa mkuu... Risk assessment and management!

 

[reandle]

ndugu nas, katika maelezo yako yote katika kunijibu nimeona maneno machache tu. '...anatokea risk taker mmoja na kulifanyia wazo kazi...' WHY NOT YOU THEN! Na katika mfumo wa maisha tunayoishi haitakaa itokee mabenki kutoa mikopo bila dhamana. Haitakaa itokee. Labda utuambie kuwa kuna kitu unakitaka ambacho hujakisema na unataka watu wakiseme.

Ama na wewe pia hukijui ila katika mjadala kitatokea chenyewe. Narudia tena, mabenki hawawezi kufanyia wazo lako kazi kwa sasa. Why not you to take the risk? And you said NOT LIQUID AT ALL. Make it liquid by initiating your financial institution

Tatizo lako moja tu Mkuu! Wewe unaangalia upande mmoja tu, wa mabenki!!! Kama umepitia vizuri thread yangu, ungegundua lengo hapo ni pawe na partneship kati ya mabenki na serikali. Serikali ina wajibu wa ku-create ajira, hivyo inatakiwa i-play role yake hapo including kuwa guarantor!

Na ndio maana nikasema, "mabenki kwa kushirikiana na serikali"!! Simaanishi, kesho Standard Chartered waamke na kwenda kwenye media na kutangaza kwamba graduates wanaweza kwenda kukopa kwa ku2mia certificates zao kama security!!!! Lazima pawe na institutional and structural change, as well enforcement! Mbona hutaki kuelewa mkuu?! yale mabilioni ya JK yalikuwa na dhamana gani?!

Sehemu ambayo mimi nilikuwa nafanyia, mikopo ile ilikuwa recovered kwa asilimia kubwa sana!!! Tena ile mikopo ilikuwa too poloitical.....unakuta mbunge au mkuu wa wilaya anakuja na watu wake pale analazimisha wapewe mikopo. Sehemu ambapo taratibu za utoaji wa mikopo ile zilifuatwa, program ilikuwa succesful.

Kilichokuwa kinatakiwa ni mtu kuonesha ana uwezo wa kufanya biashara au tayari ana biashara lakini tatizo ni security! Sehemu ambako ili-fail si kwa sababu wakopaji hawakuwa na security, bali siasa ilitawala zaidi na kushindwa kuangalia biashara ya mkopaji!

Sasa, ikiwa kwa watu kama wale ambao hata elimu ya kutosha iliwezekana, itashindikana nini kwa msomi kama wewe?! Wewe ukipewa 20m na ukashindwa kurudisha si kwa sababu umeweka dhamana ya cheti, bali hata ungeweka ghorofa, ungesumbua tu.