Nina shida na mkopo, dhamana ipo

Nina shida na mkopo, dhamana ipo

Heijah said:
Bank nchi hii hawana tofauti na vikundi vya vicoba shida sana kupata mikopo na sio partner katika kufanya nao biashara maana mikopo kwa kiasi kikubwa ndio inawaweka mjini lakini hawa maofisa mikopo wa Bank zetu kama miungu mtu unaenda badala ya kuku treat kama customer unawahitaji na wanakuhitaji lakini utasema wewe ndio ombaomba wanajiona kama miungu mtu, kama utaweza kupata njia nyingine bora bank zetu ni majanga wakianza kudai bora hata ya Mangi akudai... utaona dunia chungu. Niliwahi kupata mkopo na nikalipa leo hii naona bank kama kituo cha police sitaki hata urafiki nao na nime wa delete kabisa.
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Yes imagine wameenda hadi kufanya valuation wakasema ntapata 95 sasa subiri yake ndio haijulikan lini
 
DRIVE said:
Yes imagine wameenda hadi kufanya valuation wakasema ntapata 95 sasa subiri yake ndio haijulikan lini
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Bank za nchi bila mabadiliko ya kisera ni bure kabisa kuna ujinga mwingi sana hawana tofauti na vicoba hapo evaluation tena utalipia mtu wa kwao halafu mkopo unawekea insurance lakini bado watakutesa sasa huyo afisa mikopo ndio anajiona kama director wa Bank, mijitu mijinga sana Tz, kuna nchi moja nje bila kuitaja jina bank zinakuja sehemu yako ya kazi kukushawishi kutumia huduma zao, Tz kichaka wanapiga pesa kwenye promotion huko utadhani kweli sasa nenda kaombe huo mkopo utajuta hata kwanini umeenda. Wacha nimalizie hapa maana napata hasira sana na hawa watu nakopa na nalipa sio msaada lakini unanyanyasika.
 
Heijah said:
Bank za nchi bila mabadiliko ya kisera ni bure kabisa kuna ujinga mwingi sana hawana tofauti na vicoba hapo evaluation tena utalipia mtu wa kwao halafu mkopo unawekea insurance lakini bado watakutesa sasa huyo afisa mikopo ndio anajiona kama director wa Bank, mijitu mijinga sana Tz, kuna nchi moja nje bila kuitaja jina bank zinakuja sehemu yako ya kazi kukushawishi kutumia huduma zao, Tz kichaka wanapiga pesa kwenye promotion huko utadhani kweli sasa nenda kaombe huo mkopo utajuta hata kwanini umeenda. Wacha nimalizie hapa maana napata hasira sana na hawa watu nakopa na nalipa sio msaada lakini unanyanyasika.
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Kweli kabisa unachokisema hiki
 
Kwa maelezo yako ni dhahiri unahitaji kwanza Mtalamu wa mambo ya biashara...aone huo mradi wako na mjiridhishe kama kweli kuna matarajio ya kufanikisha ndoto yako. Haitoshi tu wewe kudhania tu kuwa mambo yataenda kama unavytarajia na kurejesha mkopo.

Kuna Mdau hapo kasema kuhusu kubadili hati...naona ni kama wengi wamekimbilia kumshambulia lakini hii si mara zote inakuwa ni nia mbaya ingawa ni kweli ina risk kubwa...kimubwa nadhani ni wewe pia kuwa/msikiliza Muhusika na kushirikisha Watu kwa ushauri badala ya kuishia kutishiwa na Wanaotoa comment.

Nimewahi kukutana na hilo jambo mahali na lilifanya kazi vizuri tu...ni suala la kuongea na kuona ni namna gani kila mmoja anabaki salama...kumbuka Mtu kukupa pesa yake sio jambo rahisi bila naye kujiridhisha kama inaweza kweli kurudi...na usisahau kadri unavyohitaji pesa haraka n risk zake zinakuwa juu.
 
Econometrician said:
Acha utapeli na upumbavu mmetanguliza tamaa sana,sasa MTU hajaanza hata kulipa mkopo wewe umisha piga hesabu ya yeye kushindwa.
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Hakuna kosa lolote hapo mkuu ,kila kitu ni biashara ,if he can extract as much benefit pongezi kwake ,jamaa anataka mkopo ,nothing is for free
 
Hela ndogo Sana hiyo naweza kupa mkopo kwa interest ya chini Sana ,Ila ntaitaji mitigation of any risk ya faliure to repay ...
Proof of full asset (not partial)ownership (godown).
Condition yangu kubwa ni moja tu , duration Kama tumeelewana mwaka au mwaka na nusu kwa malipo jua fika siongezi hata siku ,ukiamua kulipa yote by deadline ya loan au kila mwezi au in instalments sina shida uamuzi ni wako tu Bora by deadline uwe umeshalipa .

If ntadeploy my money for a certain duration huwa siongezi payment period ,and this is a condition lazima tutaweka kwa contract yenyewe .
If utaweza hayo mawili let me know
 
Said Bandar said:
Hela ndogo Sana hiyo naweza kupa mkopo kwa interest ya chini Sana ,Ila ntaitaji mitigation of any risk ya faliure to repay ...
Proof of full asset (not partial)ownership (godown).
Condition yangu kubwa ni moja tu , duration Kama tumeelewana mwaka au mwaka na nusu kwa malipo jua fika siongezi hata siku ,ukiamua kulipa yote by deadline ya loan au kila mwezi au in instalments sina shida uamuzi ni wako tu Bora by deadline uwe umeshalipa .

If ntadeploy my money for a certain duration huwa siongezi payment period ,and this is a condition lazima tutaweka kwa contract yenyewe .
If utaweza hayo mawili let me know
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Nime ku pm mkuu
 
Crocodiletooth said:
Rais wetu aone namna ya kuanzisha bank nyingine ambayo itakuwa na fedha za kutosha na easy accessibility, yaani ukikamilisha doc, na miradi ni genuine na baada ya kujiridhisha na mawili matatu mtu apatiwe fedha, alimradi ziwe chini by 75% ya asset value iliyopo! "Bond house" ulaya ipo hii sana, haya mabenki mpaka upate mkopo ni mwaka, na mradi wenyewe unakuwa tena hauna maana.
N. B, Tatizo la maofisa wa mabenki ni ten percent bila hii upate mkopo, ajabu yao na walivyo na roho mbaya, ni hao hao pale unapodelay wanakuja kukutisha kukuuzia asset yako bila aibu kabisa.
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Government is not in a business of lending money

Thats the business done by commercial banks

Use your brain,dont wait for a stupid politician to tell you how to run your business

Politicians are a bunch of losers,they dont know business and never done one,........infact,governments do not have enough money to give citizens.
 
Crocodiletooth said:
Loan sharks, be keen!, shark akilipenda eneo umekwisha! Note!
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Ndio inabidi ifanyike hivyo maana watu wanajikuta wajanja.

Unachukua kiwanja, unabadilisha jina unaenda kikopea kwa muda ule ule aliokopa yeye asiporudisha anaacha kiuzwe
 
Crocodiletooth said:
Rais wetu aone namna ya kuanzisha bank nyingine ambayo itakuwa na fedha za kutosha na easy accessibility, yaani ukikamilisha doc, na miradi ni genuine na baada ya kujiridhisha na mawili matatu mtu apatiwe fedha, alimradi ziwe chini by 75% ya asset value iliyopo! "Bond house" ulaya ipo hii sana, haya mabenki mpaka upate mkopo ni mwaka, na mradi wenyewe unakuwa tena hauna maana.
N. B, Tatizo la maofisa wa mabenki ni ten percent bila hii upate mkopo, ajabu yao na walivyo na roho mbaya, ni hao hao pale unapodelay wanakuja kukutisha kukuuzia asset yako bila aibu kabisa.
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Unadhani benki hazitaki kufanya biashara? Ukweli ni kwamba biashara ya kukopesha Tanzania ni very unreliable na benki ikifanya mchezo basi inaweza kufilisika haraka sana. Hakuna watu wepesi kukopa kama wabongo na hakuna watu wagumu kulipa kama wabongo. Yaani ukishamkopesha mtu akachukuwa fedha anabadilika kabisa. Na hata akiweka dhamana, bado utakuta dhamana zenyewe zinaweza kuwa ni kanyaboya na hakuna namna ya kuzitumia kufidia fedha zilizokopwa. Na zaidi: shilingi yetu haiko stable kabisa na tahamani yake inashuka kwa kasi kubwa mara kwa mara, jambo linalofanya mikopo mikubwa ya muda mrefu kuwa very unpredictable. All in all, waswahili wanasema chema chajiuza kibaya chajitembeza, hivyo biashara ya kukopesha ingekuwa ni nzuri basi benki zingetumia fursa hiyo.
 
Heijah said:
Bank za nchi bila mabadiliko ya kisera ni bure kabisa kuna ujinga mwingi sana hawana tofauti na vicoba hapo evaluation tena utalipia mtu wa kwao halafu mkopo unawekea insurance lakini bado watakutesa sasa huyo afisa mikopo ndio anajiona kama director wa Bank, mijitu mijinga sana Tz, kuna nchi moja nje bila kuitaja jina bank zinakuja sehemu yako ya kazi kukushawishi kutumia huduma zao, Tz kichaka wanapiga pesa kwenye promotion huko utadhani kweli sasa nenda kaombe huo mkopo utajuta hata kwanini umeenda. Wacha nimalizie hapa maana napata hasira sana na hawa watu nakopa na nalipa sio msaada lakini unanyanyasika.
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Suala la tatizo la kukopa benki Tanzania ni suala complex, linalohitaji multiple solutions na siyo kulamu bank tu. Mtu anaweza kukopa, akaweka na dhamana baade ukaja kukuta hata ile dhamana aliyoweka ni kanyaboya japo documents zote zilionekana kama ziko genuine. Mimi nitakuwa wa mwisho kuamini kuwa banks zinaringa tu kukopesha wateja bila sababu za msingi.
 
macho_mdiliko said:
Suala la tatizo la kukopa benki Tanzania ni suala complex, linalohitaji multiple solutions na siyo kulamu bank tu. Mtu anaweza kukopa, akaweka na dhamana baade ukaja kukuta hata ile dhamana aliyoweka ni kanyaboya japo documents zote zilionekana kama ziko genuine. Mimi nitakuwa wa mwisho kuamini kuwa banks zinaringa tu kukopesha wateja bila sababu za msingi.
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uaminifu kwenye pesa Mbongo Mtoe,Akija wakati wa shida unaweza ukadhan huyu mtu hana shida atanilipa tu, ila baada ya shida yake kuisha,aiseee hamna rangi utaacha kuona.

Acha BANK zionekane zina ringa lakini kwenye swala la PESA nipo upande wa BANK.
 
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