Serikali ya Kenya yafilisika, yachapisha pesa toka CBK

Serikali ya Kenya yafilisika, yachapisha pesa toka CBK

joto la jiwe said:
Tunaomba ushahidi kwamba hiyo deni imelipwa, na tupe ushahidi kuonyesha kiwango kilichobaki cha External na Domestic ili tulinganishe watu waweze kufahamu, usitoroke tafadhali sana, utawasikitisha mashabiki wako wanaokufuatilia [emoji23][emoji23][emoji23][emoji23]
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Nimekupa link ya CBK sivyo? Jifunze kutafuta habari sahihi siyo hizo udaku za kisukuma.
 
joto la jiwe said:
Umesoma post #33?, ninasubiri majibu, kama uliteleza kwa bahati mbaya, kiri kosa ili tuendelee na mjadala, kuna mambo mengi kuhusu Central Bank umeyazungumza ni vizuri tuyapitie ili turekebishe dhana potofu uliyonayo kichwani.
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Dhana potovu ni mama zenu kuwalisha mihogo na maharage kutoka utotoni mpaka akili haija komaa.

i) Ulianza na kelele mingi ya GOK kuomba kutoka CBK kes 15 billion. Nimekuonesha hiyo ni ujinga kwa sababu hii ni kawaida na wanaruhusiwa na CBK kuomba overdraft mpaka kes 112 billion kila mwaka. Kwa akili yako ya kitanzania(Uchawi, uongo na udaku), hujui overdraft ni nini, ukaanza kusema wanachapisha pesa.

ii) Ukaruka ukaenda kwa deni ya ndani, link nikakupa ya CBK na Kenyan wallstreet (amabayo tena pia wewe umepost baada ya mimi kukupa), inayo onesha deni ya kenya ya ndani ilikuwa 50% ya deni yote ya nchi, mwezi wa May 2020. Kwa sahi imepanda kwa sababu ya Infrastructure bond ya kes 400 billion, ambayo serikali ilitangaza na watu wameanza kununua tayari.

iii) Wewe na huyo kichaa mwenzanko geza, mukaruka mkaenda france, nimewakosoa nikawaambia hiyo ni PPP mabayo si deni.

iv) Hapo juu nimekupa link ya CBK ambayo iko na kila kitu unatafuta, umeshindwa kazi ni kupiga kelele hapa kama mwanamke ako na mimba.

v) Kwa sahi kazi ni kujaribu kutafuta pahali utaegemea kwa vile umekosa la kusema. Hii ni dalili ya mtu mwendawazimu.
 
Kevin85ify said:
Nimekupa link ya CBK sivyo? Jifunze kutafuta habari sahihi siyo hizo udaku za kisukuma.
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Tafadhali sana jaribu kuwa honest katika majadiliano, lengo ni kuelimishana sio kushindana, haikusaidii wala kukubadilisha kwa kujaribu kudanganya ili kuonekana kwamba unajua kupita wengine.

Katika hiki kipindi cha Covid-19, Kenya imekopa pesa nyingi zaidi kutoka external sources kuliko international sources, nilitegemea uweke hizo data kutoka May hadi September ujionee External debt ilivyoongezeka, ninadhani umekua mjanja umekwepa kuzileta[emoji23][emoji23][emoji23]
 
joto la jiwe said:
Tafadhali sana jaribu kuwa honest katika majadiliano, lengo ni kuelimishana sio kushindana, haikusaidii wala kukubadilisha kwa kujaribu kudanganya ili kuonekana kwamba unajua kupita wengine.

Katika hiki kipindi cha Covid-19, Kenya imekopa pesa nyingi zaidi kutoka external sources kuliko international sources, nilitegemea uweke hizo data kutoka May hadi September ujionee External debt ilivyoongezeka, ninadhani umekua mjanja umekwepa kuzileta[emoji23][emoji23][emoji23]
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Unaona kuruka ruka, nimekupata kwa domestic debt sasa umeruka umeenda kwingine. Kwanza anza na kusema ukweli sio vitu vya kijinga.

Pesa ya Covid mingi ilikuwa grants kutoka kwa marafiki kama UK ,america na eu sio loan. iliyotoka World bank ilikuwa loan ya $1 billion ambayo ni kidogo sana hiyo ni kama overdraft ya GOK hapo CBK ya kes 112 billion.
 
Kevin85ify said:
Dhana potovu ni mama zenu kuwalisha mihogo na maharage kutoka utotoni mpaka akili haija komaa.

i) Ulianza na kelele mingi ya GOK kuomba kutoka CBK kes 15 billion. Nimekuonesha hiyo ni ujinga kwa sababu hii ni kawaida na wanaruhusiwa kuomba mpaka kes 112 billion kila mwaka.

ii) Ukaruka ukaenda kwa deni ya ndani, link nikakupa ya CBK and Kenyan wallstreet inayoonesha deni ya kenya ya ndani ilukuwa 50% ya deni yote ya nchi, mwezi wa May. Kwa sahi imepanda kwa sababu ya Infrastructure bond ya kes 400 billion, ambayo serikali ilitangaza na watu wameanza kununua tayari.

iii) Wewe na huyo kichaa mwenzanko geza mukaruka mkaenda france, nimewakosoa nikawaambia hiyo ni PPP mabayo si deni.

iv) Hapo juu nimekupa link ya CBK ambayo iko na kila kitu unatafuta, umeshindwa kazi ni kupiga kelele hapa kama mwanamke ako na mimba.

v) Kwa sahi kazi ni kujaribu kutafuta pahali utaegemea kwa vile umekosa la kusema. Hii ni dalili ya mtu mwendawazimu.
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Wacha maneno mengi, ile dhana uliyokua nayo kichwani " unlike other African countries, majority of Kenyan debts is local ", nadhani umeanza kujua ukweli wake kwamba Kenya deni Lake kubwa ni External kuliko internal.

Kwasababu ukweli huo umeshajulikana, watu wameshajua kwamba ulidanganya na wameanza kujua wewe ni mtu wa aina gani, tuendelee na point nyingine ulizosema ili huko pia nikuonyeshe kwamba unadanganya.

Kuhusu Overdraft kutoka Bank kuu, huo ni urongo mtupu, unajaribu kudanganya watu, Setikali haiwezi ku overdraft kwasababu Bank kuu sio Commercial Bank, huwezi kufanya overdraft Bank kuu.
 
joto la jiwe said:
Wacha maneno mengi, ile dhana uliyokua nayo kichwani " unlike other African countries, majority of Kenyan debts is local ", nadhani umeanza kujua ukweli wake kwamba Kenya deni Lake kubwa ni External kuliko internal.

Kwasababu ukweli huo umeshajulikana, watu wameshajua kwamba ulidanganya na wameanza kujua wewe ni mtu wa aina gani, tuendelee na point nyingine ulizosema ili huko pia nikuonyeshe kwamba unadanganya.

Kuhusu Overdraft kutoka Bank kuu, huo ni urongo mtupu, unajaribu kudanganya watu, Setikali haiwezi ku overdraft kwasababu Bank kuu sio Commercial Bank, huwezi kufanya overdraft Bank kuu.
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Hebu rudi kasome hile link ya Kenyan wallstreet tena kisha urudi uonge kama mwanaume, siyo kama mwanamke aliyenyanganywa bwana.
 
Kevin85ify said:
Unaona kuruka ruka, nimekupata kwa domestic debt sasa umeruka umeenda kwingine. Kwanza anza na kusema ukweli sio vitu vya kijinga.

Pesa ya Covid mingi ilikuwa grants kutoka kwa marafiki kama UK ,america na eu sio loan. iliyotoka World bank ilikuwa loan ya $1 billion ambayo ni kidogo sana hiyo ni kama overdraft ya GOK hapo CBK ya kes 112 billion.
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Weka link inayoonyesha loans za Kenya toka May hadi September ili tuangalie kati ya Domestic na External debt ipi ni kubwa zaidi, kama huna LINK tuendelee kutumia data ya May, inayoonyesha kwamba External ni Ksh 3.46trl na Internal ni 3.2trl.
 
joto la jiwe said:
Wacha maneno mengi, ile dhana uliyokua nayo kichwani " unlike other African countries, majority of Kenyan debts is local ", nadhani umeanza kujua ukweli wake kwamba Kenya deni Lake kubwa ni External kuliko internal.

Kwasababu ukweli huo umeshajulikana, watu wameshajua kwamba ulidanganya na wameanza kujua wewe ni mtu wa aina gani, tuendelee na point nyingine ulizosema ili huko pia nikuonyeshe kwamba unadanganya.

Kuhusu Overdraft kutoka Bank kuu, huo ni urongo mtupu, unajaribu kudanganya watu, Setikali haiwezi ku overdraft kwasababu Bank kuu sio Commercial Bank, huwezi kufanya overdraft Bank kuu.
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Nimekuambia nyinyi watanzania masomo iliwashinda kwa kutopata lisha bora mkiwa watoto, soma hapo alafu urudi useme GOK haiwezi kuchukua overdraft kwa CBK. Nyinyi biashara mnajuwa ni kuuza nyanya na chips mayai hii ya CBK inawashinda.

Treasury’s overdraft at CBK hits Sh64bn high
 
Kevin85ify said:
Hebu rudi kasome hile link ya Kenyan wallstreet tena kisha urudi uonge kama mwanaume, siyo kama mwanamke aliyenyanganywa bwana.
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Ninarudia tena, Bank kuu sio Commercial bank, Hakuna mteja wa Bank kuu anayeweza kuchukua overdraft, huo ni urongo wacha kudanganya watu.

Serikali ikahitaji PESA ya ziada toka Bank kuu inatumia njia zifuatazo
1) Kuuza hati fungani
2)Kutumia National reserve
3) Kuchapisha pesa
 
joto la jiwe said:
Weka link inayoonyesha loans za Kenya toka May hadi September ili tuangalie kati ya Domestic na External debt ipi ni kubwa zaidi, kama huna LINK tuendelee kutumia data ya May, inayoonyesha kwamba External ni Ksh 3.46trl na Internal ni 3.2trl.
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Wewe una kichaa hizi reports hutayarishwa kila quarter ya mwaka. Nimekupa link ya CBK iko na kila kitu unataka kupata ama ni kusoma ndiyo shida?.

zidi kujielimisha hapa chini, zaidi kuhusu overdraft naona unahitaji kusoma kuhusu economy na finance. Hukujua serikali inaeza kuchukua overdraft kutoka kwa central bank.

Treasury keeps off CBK overdraft in liquid market
 
joto la jiwe said:
Ninarudia tena, Bank kuu sio Commercial bank, Hakuna mteja wa Bank kuu anayeweza kuchukua overdraft, huo ni urongo wacha kudanganya watu.

Serikali ikahitaji PESA ya ziada toka Bank kuu inatumia njia zifuatazo
1) Kuuza hati fungani
2)Kutumia National reserve
3) Kuchapisha pesa
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Yani hata mafunzo umekataa, umekwama na ujinga ya kitanzania kweli nyinyi wati hamsaidiki.
Hata baada ya kukupa links mbili juu ya overdraft?
Kweli sikio la kufa haliskii dawa.
 
Kevin85ify said:
Yani hata mafunzo umekataa, umekwama na ujinga ya kitanzania kweli nyinyi wati hamsaidiki.
Hata baada ya kukupa links mbili juu ya overdraft?
Kweli sikio la kufa haliskii dawa.
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Twende taribu, kuna watu wengi wanafuatilia huu mjadala.

Soma vizuri hii article uliyoweka,
Treasury keeps off CBK overdraft in liquid market

Over draft from Central Bank = Printing Money

Bank kuu haina pesa za ziada za kuweza kuwapa wateja wake kwasababu sio Commercial Bank, tumia akili, Bank kuu itapata wapi pesa za ziada kuipatia serikali wakati haifanyi biashara?
 
joto la jiwe said:
Twende taribu, kuna watu wengi wanafuatilia huu mjadala.

Soma vizuri hii article uliyoweka,
Treasury keeps off CBK overdraft in liquid market

Over draft from Central Bank = Printing Money

Bank kuu haina pesa za ziada za kuweza kuwapa wateja wake kwasababu sio Commercial Bank, tumia akili, Bank kuu itapata wapi pesa za ziada kuipatia serikali wakati haifanyi biashara?
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HAHAHA, kwa akili yako unafikiria ni lazima benki kuu iwe na cash? Kwa hivyo pia unafikiria benki ya kawaida ikikupa loan inakupa pesa ya deposits?
i) Treasury(GOK) inaweza kuchukua ama ikose kuchukua overdraft ndiyo maana wame andika "Keep off overdraft". Printing money ni technical term, ilhali ukweli ni kuwa hakuna pesa huchapishwa ni account ya GOK hapo benki kuu ndiyo balance hugeuzwa. Hiyo wakati GOK haikutaka kuchukua overdraft kwa sababu soko ilikuwa na pesa nyingi (Liquid market). Hapo ndiyo GOK iliamua kufata Front load bowing badala ya kuchukua overdraft kwa benki kuu.

ii) Mwanaume, yani una piga kelele hivi na hujui vile pesa hutengenezwa kuna kitu inaitwa "Fractional reserve banking", benki kuu na mabenki ya kawaida yote yanatumia huu mtindo kutoa loan.

iii) Benki kuu hufanya biashara kumbe hujui, wana lipwa na mabenki ya kawaida kushikilia 5% of deposits, na mabenki ya kawaida pia huenda kuchukua mkopo kwa benki kuu, serikali inapochukua overdraft pia inalipa interest kwa hiyo overdraft. Kama yenyu haifanyi hivi basi kweli mko na njia ndefu kusafiri kimasomo.

Haya hizi hapa links zingine zikufunze jinsi banking hufanyika na vile uchumi huwa managed.

Fractional Reserve Banking

How Banks Create Money | Macroeconomics

NB: Usijali leo niko na mda ya kukupeleka darasa, ujue jinsi uchumi huendeshwa, kwa vile naona Tanzania hmapati mafunzo kama haya.
 
Kevin85ify said:
Haya naendelea kukufunza kuhusu domestic borrowing.
Treasury Starts FY2020/21 on High Domestic Borrowing - Kenyan Wallstreet
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Hapana, usikimbie mpaka tumalizane na Overdraft from Central Bank, lazima tukubaliane kwamba Overdraft ni terminology inayotumika katikae"Commercial Bank" ambapo mteja huchukua pesa zaidi ya kiwango alichoweka, hiyo pesa ya ziada anayoichukua lazima arudishe na interest.

Commercial Banks zinakuwa na mtaji wa kukopesha wateja wao wanaotaka kufanya "Overdraft", hiyo ndio kazi ya Commercial Bank".

Bank kuu haina huo mtaji na wala haifanyi biashara, serikali inapotaka kuchukua pesa nyingi kuliko kiasi kilichowekwa na serikali, lazima Bank kuu ifanye kuuza "Government bonds", au itumie akiba ya taifa ya pesa za kigeni (Foreign reserve), au ichapishe pesa(Overdraft)
 
Kevin85ify said:
i) Printing money is a technical term how many times do I have to say this!!! In reality no money is printed, this is GOK taking a loan from CBK to pay off some urgent commitments like interest payments on treasury bills.

ii) Yes you can if you know how to balance all the financial tools available, also kes 15 billion is not enough money to bring out inflationary pressure. Refer to modern money theory. Britain did it, America recently during Covid 19 crisis took out a $1 trillion overdraft from the federal reserve and put it into the economy to stimulate growth .

NB:Kenya has the lowest inflation rate in east africa at 4.4%, despite dumping over kes 400 billion into the market during this pandemic
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You have really tried to simplify it for him................asiposhika ni ujeuri tu ako nayo!!!
 
joto la jiwe said:
Hapana, usikimbie mpaka tumalizane na Overdraft from Central Bank, lazima tukubaliane kwamba Overdraft ni terminology inayotumika katikae"Commercial Bank" ambapo mteja huchukua pesa zaidi ya kiwango alichoweka, hiyo pesa ya ziada anayoichukua lazima arudishe na interest.

Commercial Banks zinakuwa na mtaji wa kukopesha wateja wao wanaotaka kufanya "Overdraft", hiyo ndio kazi ya Commercial Bank".

Bank kuu haina huo mtaji na wala haifanyi biashara, serikali inapotaka kuchukua pesa nyingi kuliko kiasi kilichowekwa na serikali, lazima Bank kuu ifanye kuuza "Government bonds", au itumie akiba ya taifa ya pesa za kigeni (Foreign reserve), au ichapishe pesa(Overdraft)
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NO!!NO!!NO!!NO!!NO!!. Overdraft is a finance term not commercial banking term, it is used anytime you need an urgent injection of cash more than what you have in your account. The moment you know that CBK is also a lending institution like normal banks you will understand(Tofauti ni mteja). Difference is CBK lends to GOK and Banks, while normal banks lend to the population.

i) Where is the account of treasury held at? CBK holds all tax revenues, dividend payouts e.t.c that are revenue to treasury in an account in CBK. GOK pays CBK for having an account in CBK , same to normal banks.

ii) Governments can borrow from their central banks from an emergency standby facility made available by the central banks. This is what is called an overdraft or in technical term "Printing money" because every loan forwarded by CBK to GOK is a new deposit i.e. New money, the same with normal banks which also "print money" by booking new loans.

Central Bank Definition
 
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