Hamisi R Mhenwa
Member
- Apr 25, 2014
- 29
- 15
Je, TIB bank, singida iko pande zp?
Mkuu leo ni tarehe 03/10/2015, vipi hujapata tu hizo riba?
Naomba wadau wa jukwaa hili tusaidiane kuweka taarifa muhimu za kibenki ili ziwasaidie wadau wanaohitaji mikopo midogo midogo na ile ya kati kwa ajili kuendesha biashara. Natamani tungekuwa na business directory ila sijui kama ipo ....(wenye taarifa watatusaidia).
Nimeweza kukusanya hizi taarifa na naomba wadau muongeze kile mnachokijua,
1. CRDB Bank Ltd...Mikopo midogo midogo (may be 1-20 mil), interest rate (with insurance) ni 20%, na lazima mtu awe na hati ya kiwanja au nyumba
2. FINCA .....Nimepata taarifa kuwa mtu akikopa 15mil anatakiwa kurudisha 1.7mil kwa mwezi ambayo inatupa interest ya 33.3%
3. NBM.....Kuna mtu kachukua loan ya 30mil ambayo atailipa kwa miaka 4; interest + other charges imefikia 12mil (40%)
........Nimepata taarifa za NMB kwamba small loans (100K-5mil) interest rates in 24% (2% per month)
4. TIB (Tanzania investment Bank)...Wanatoa mikopo ya kati na mikubwa...Nasikia wanaanzia USD 150K
5. SACCOS...SACCOS ambayo mie ni mwanachama inatoza 13% ila wanatoa pesa ndogo ndogo (1-10mil) na lazima ukae kwenye queue kwa karibu miezi 6!
7. NBC...Wanatoa mikopo kwa riba ya 20-24% ila iko based on overdraft. Unatakiwa kuwa na hati ya nyumba au dhamana nyingine. Kwa ujumla nimependa package yao ingawa riba bado iko juu sana!!
8. Exim wanatoa mikopo ya biashara kwa riba ya 19%. Unaweza kuchukua zote au kwa overdraft!!
9. Barclays bank wanatoa mikopo ya kati na mikubwa tu (>50mil). Interest yao ni 25%.
10. Stanbic wanatoa mikopo ya biashara pia...interest rates zao ni 21% na matakwa mengine ni kama kwa banks nyingine (hati ya nyumba, leseni ya biashara, audited accounts etc)!! Hawa nao wanatoa overdraft facilities!
11. Kenya Commercial Bank (KBC)....wana mikopo ya biashara kuwanzia 10mil na interest rates zao ni 19%. Masharti mengine ni kama banks nyingine na wanakubali overdraft..Ila sikuweza kupata details za interest rates per month kwenye overdraft!
12. Equity Bank....Inasemekana watakuwa na masharti nafuu ila bado hawajaanza kufanya biashara rasmi. Tutazidi kuwafuatilia!
Mwenye taarifa zaidi atuwekee hapa ili tuweza ku-update hii page ili iwasadie wale wanaohitaji mikopo ili wajikwamue!
Babu DC!!
Updates
Important information (TIB)
Equity Bank
amana bank ipo barabara/mtaa wa ohio, jengo jipya pembeni ya ppf tower.
Wote naona interest zao ni about 20%
Real estate ni biashara ya ununuzi na uuzaji wa nyumba au majengo.Samahani naomba kuuliza estate business/real estate ni biashara ya aina gani
Imeongelewa mikopo toka benki na taasis za fedha, mikopo toka kampuni za simu ipo, lakini itawafilisi watu na serikali inatazama. Riba ni tishio, kwa mfano mikopo ya timiza ni 14.5% kwa siku 21! Kwa mwaka nawaachia wachumi waendelee.