Taarifa za mikopo midogo midogo ya kibiashara!

Dark City said:

Kama kuna habari zaidi tunaomba utuwekee hapa.

Kwa mfano, wanahitaji security ya namna gani, amount wanayotoa, interest rates na kama wanakubali kutoa katika form ya overdraft.

Tutashukuru sana kwa kutuelimisha.

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GUIDELINES FOR AGRICULTURAL PROJECTS FINANCING WINDOW

1. PRODUCTThe product entails financing production, processing and marketing (for borrowers who involves in production and/or processing) of all agriculture and agriculture-related projects for short, medium and long terms, utilizing a special Window funded initially by the Government. Agriculture in this framework is broadly defined to include crops and livestock.2. TARGET MARKETThe target market for this credit program window will include all agricultural and livestock projects with established good track records and competent management teams. The focus for this facility will mainly be on producer communities organized as cooperatives, as well as corporate entities and microfinance institutions involved in agriculture. Start-ups that meet critical eligibility criteria shall also be considered. Specifically, the target market for this credit program window shall comprise of:​

• Small and medium size farms organized as cooperatives or out-growers of larger farms.​
• Medium and large scale commercial farms, plantations and ranches. Categorization of small, medium and large scale will be as provided in the Government�s SME Policy.​
• Downstream lenders to the agricultural sector, e.g. community banks and micro-finance institutions (NGOs, SACCOS). iv) Intermediate agricultural activities in the value chain, e.g. storage, processing and marketing.​

3. PRICING3.1 Lending rateUnder this Window interest rate will be charged at maximum 5% per annum. The 5% shall be the Government rate. Funds will be disbursed to on-lenders (wholesale) and retail basis. Pricing for wholesale will be at 4% (5% - 1%) per annum, while retail price will be 5% p.a. In respect to wholesale borrowers (on-lenders), the price to be charged to final consumer/borrower/farmer shall not exceed 8% per annum. These rates are subject to periodic reviews.3.2 Bank chargesAll expenses in connection with the arrangement of the facility, including costs of stamp duty and registration of the security documents, legal and other expenses shall be for the account of the Borrower. For the case of on-lenders, all other credit charges/fees to be charged to final borrower/farmer in connection to this agricultural credit shall not exceed 2% per annum.4. LENDING TENURE4.1 Repayment periodThe repayment period for credit facilities under this program shall range between six months and 15 years depending on the nature of the agricultural activity being financed and related financial projections and also seasonality of the crop under production.4.2 Grace periodGrace period would be granted based on the maturity period of the crop and projected cash flow. The maximum grace period shall be 3 years for perennial crops and 1 year for annual crops. The borrower shall be liable to pay interest during grace period, though the payment will be structured to be in line with seasonality of earnings. 5. SPECIFICTERMS AND CONDITIONS APPLICABLE TO ON �LENDERS AND DIRECT BORROWERS5.1 On � lenders​

• The borrower must have acceptable legal status e.g. Co-operatives SACCOS, Micro-finance institutions and Associations.​
• The borrower should have good track record.​
• Securities under this category should comprise of lien on receivables (outstanding portfolio), fixed deposits and legal mortgage where applicable​
• SACCOS, Associations and Co-operatives should own certificates of maximum liability from the Registrar of Co-operatives.​
• Securities pledged by MFIs� borrowers shall be assigned to TIB (deed of assignment).​
• Interest rate shall be charged at 4% per annum and for the final borrower/farmer the rate shall not exceed 8%.​
• The loan tenure will be a minimum of 6 months and a maximum of 15 years.​
• The loan amount shall be a minimum of TZS 50 million and a maximum of TZS 1,000 million.​

5.2 Direct borrowers (commercial farmers) The borrower must be a limited liability company.​

• The borrower should have good track record, but start ups that meet other critical eligibility criteria shall be considered.​
• Securities under this category should comprise of fixed deposits, debenture, stocks in warehouses, legal mortgage and chattels mortgage. iv. Projects with proper arrangements for irrigation will have an added advantage.​
• Corporate farmers supporting out-growers will have an added advantage. vi. Interest rate shall be charged at 5% per annum. vii. The loan tenure shall be a minimum of 6 months and a maximum of 15 years.​

6. SECURITY STRUCTUREThe following security structure shall be adopted:​

• Advances under this credit Window shall be secured by debenture and mortgage over landed property, as well as pledges of agricultural machinery, equipment and implements, produce held in warehouses, processing equipment and machinery, motor vehicles and credit portfolios of on-lending institutions.​
• Where the project land is not legally owned by the project or its promoters, alternative landed property may be taken as the primary security, provided that the alternative land is legally owned by the project or its promoters. Third party security shall not be accepted as the primary security.​
• In addition, the assets financed under the Window shall count towards security cover after discounting by 20%.​
• Whenever feasible, sound insurance cover shall be taken against loss by fire, flooding, etc; the cost of which shall be borne by the borrower. However, the present insurance schemes cover produce in warehouses and other storage facilities, as well as assets other than crops in the field.​
• In case of financing of goods in warehouses, there will be strict control by a reputable collateral manager, under a formal Collateral Management Agreement, who will ensure that TIB�s interests are protected. The borrower shall bear the cost of collateral management.​
• In all, the security cover requirement will be a minimum of 1.25 times (regulatory requirement) as opposed to the standard TIB requirement of at least 1.50 times. The legal documentation cost is to be borne by the borrower.​

7. CREDIT LIMIT, CREDIT CONCENTRATION AND RISK ACCEPTANCE CRITERIA7.1 Credit Limit​

[TABLE="width: 562"]
[TR]
[TD]Parameter[/TD]
[TD]Limit[/TD]
[/TR]
[TR]
[TD="align: left"]Maximum total exposure to a single borrower[/TD]
[TD="align: left"]TZS 1,000 million[/TD]
[/TR]
[TR]
[TD]Minimum total exposure[/TD]
[TD]TZS 50 million[/TD]
[/TR]
[/TABLE]

7.2 Credit Concentration​

[TABLE="width: 625"]
[TR]
[TD="colspan: 2"][/TD]
[/TR]
[TR]
[TD="align: left"]Group category [/TD]
[TD="align: left"] Boundary [/TD]
[/TR]
[TR]
[TD="align: left"]a. SACCOs, Cooperatives, Farmers Associations[/TD]
[TD="align: left"]30% of the fund size[/TD]
[/TR]
[TR]
[TD] b. Micro Finance Institutions[/TD]
[TD]30% of the fund size[/TD]
[/TR]
[TR]
[TD]c. Corporate farmers (private companies)[/TD]
[TD]35% of the fund size[/TD]
[/TR]
[TR]
[TD="colspan: 2, align: center"] 5% of the total fund will be for Technical Assistance[/TD]
[/TR]
[/TABLE]

7.3 Risk Acceptance Criteria​

[TABLE="width: 625"]
[TR]
[TD][/TD]
[TD]REQUIREMENT [/TD]
[TD]REMARKS [/TD]
[/TR]
[TR]
[TD="colspan: 3, align: left"]QUALITATIVE CRITERIA[/TD]
[/TR]
[TR]
[TD="align: left"]1. Minimum number of years in agro- business (**start ups that meet other critical criteria shall be considered)[/TD]
[TD="align: left"]1 Year[/TD]
[TD][/TD]
[/TR]
[TR]
[TD="align: left"] 2. Availability & adequacy of irrigation[/TD]
[TD="align: left"]Positive**[/TD]
[TD][/TD]
[/TR]
[TR]
[TD="align: left"] 3. Management competence[/TD]
[TD="align: left"]Positive**[/TD]
[TD="align: left"][/TD]
[/TR]
[TR]
[TD]4. Climate and soil information .[/TD]
[TD]Positive**[/TD]
[TD][/TD]
[/TR]
[TR]
[TD]5. Pest & disease control[/TD]
[TD]Positive**[/TD]
[TD][/TD]
[/TR]
[TR]
[TD]6. Environmental protection[/TD]
[TD]Positive**[/TD]
[TD][/TD]
[/TR]
[TR]
[TD]7. Adequate suitable storage[/TD]
[TD]Positive**[/TD]
[TD][/TD]
[/TR]
[TR]
[TD]8. Availability of markets[/TD]
[TD]Positive**[/TD]
[TD][/TD]
[/TR]
[TR]
[TD="align: left"]9. Trade information (price trends)[/TD]
[TD="align: left"]Positive**[/TD]
[TD][/TD]
[/TR]
[TR]
[TD="colspan: 3, align: left"]QUANTITATIVE CRITERIA[/TD]
[/TR]
[TR]
[TD="align: left"]1. Net worth in the last financial year[/TD]
[TD="align: left"]Positive[/TD]
[TD="align: left"][/TD]
[/TR]
[TR]
[TD]2. Net cash flow from operations before interest & tax[/TD]
[TD] Positive[/TD]
[TD][/TD]
[/TR]
[TR]
[TD]3. Maximum Tenure[/TD]
[TD]15 years %**[/TD]
[TD][/TD]
[/TR]
[TR]
[TD="align: left"]4. Maximum single borrower exposure[/TD]
[TD="align: left"]TZS1,000 million[/TD]
[TD="align: left"][/TD]
[/TR]
[TR]
[TD]5. Maximum exposure as % of total project cost[/TD]
[TD]70%[/TD]
[TD][/TD]
[/TR]
[TR]
[TD]6. Minimum total equity contribution[/TD]
[TD]30%**[/TD]
[TD][/TD]
[/TR]
[TR]
[TD] 7. Minimum cash equity contribution[/TD]
[TD]10[/TD]
[TD][/TD]
[/TR]
[TR]
[TD="align: left"]SECURITY[/TD]
[TD]Available [/TD]
[TD]Not Available[/TD]
[/TR]
[TR]
[TD="align: left"]Mandatory:

• Debenture on all assets
• First priority legal mortgage on farm/business property being financed.
• Assignment of receivables from sales.
• Insurance on fixed & floating assets.
• Machinery, equipment, etc. financed by Window
• Credit portfolio financed by Window

Non-Mandatory:

• First priority legal mortgage on another property
• Other securities, e.g. machinery, equipment
• Shareholders Guarantee
• Other Guarantees (e.g. PASS)

[/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[TR]
[TD="colspan: 3, align: left"]N.B: ** = CRITICAL criteria [/TD]
[/TR]
[/TABLE]

8.0 EXCLUSIONSBecause of the size of the fund initially, the following shall not be done:​

• Refinancing of other/commercial loans;​
• Financing of suppliers or manufacturers of machinery and equipment.​

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SMALL LOANS

[TABLE="width: 100%"]
[TR]
[TD="bgcolor: #f9ae08"]

[/TD]
[/TR]
[/TABLE]

TIB offers structured loan schemes aimed at assisting small enterprises and individuals achieve their goals. The loans are processed by TIB’s Small Business Unit (SBU)​

TYPES OF LOANS:
The small loans include the following categories:
Personal Loans – consumer loans extended to employees supported by letters of undertaking or guarantees by the employers.
Individual Loans – Loans extended to individuals for the purpose of investing in existing businesses proven to be viable. They are usually supported by first class legal mortgage over property (preferably a building with a title deed) pledge of share certificates of blue chip companies listed on the DSM Stock Exchange and chattel mortgage.
Loans Secured by FDRs – Loans supported by Fixed Deposit
receipts (FDRs) issued by the TIB branch.
Company Loans - Loans to sole proprietor, secured as per Individual Loans above and /or debentures on stocks and debtors.
General Terms and Conditions for Small Loans:
Eligible Borrowers:

1. Employees of reputable companies which have been pre-approved by the bank.
2. Small business enterprises or SEs, which have sound on going businesses with acceptable security cover and good cash flows.
4. Individuals with acceptable security and good cash flows.
5. Individuals or businesses that have fixed deposits with TIB Branch.

Principal Terms:

1. Loan amounts to single borrowers are a minimum of TZS 1 million and maximum of TZS 30 million.
2. Facility Fees are payable upfront at the rate of 2.5 % of the loan amount, minimum TZS 100,000 or USD 100.
4. Loan tenures for personal borrowers are for maximum of 2 years while for business entities the maximum is 3 years
5. Interest rates chargeable are reviewed regularly. Presently the applicable rates are:
6. For loan tenure of one year, interest rate is 18% p.a.
7. For two years loan tenure, interest rate is 20% p.a.
8. For three years tenure, the interest rate is 21% p.a.

​

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matumbo said:

TIB awa hapa,kwenye mikopo ya kilimo





Na kwa ajili ya SMEs maelezo aya hapa

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Dark City said:

Mkuu,

Huwezi kwenda kukopa pesa katika mazingira yetu ili kufinance biashara ya kufikirika!! Ndiyo maana taasisi nyingi zinataka kuona kama mwombaji ana biashara inayoendelea na inategeneza faida.

Tatizo ni kwamba hawa wenye fedha wanatumia ujinga wetu na pia kutokuwa na choices kutuibia.

Hata SACCOS nazo zina riba kubwa sanai!

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Tutor B said:

Katika hili kwa wasio na mitaji bora waungane na kuanzisha vikundi vya Hisa - ndo mkombozi wa wanyonge wanaoaminiana.

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kijana13 said:

habari wadau? nina mradi wangu mdogo nimeshainvest fedha kazaa nimekwama 1.5 mil, ili uweze kuanza...msaada wadau wapi ntapata pesa.
biashara yangu ni mpya na dhamana nilizonazo ni vitu vya ndani.please wadau.

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JAMBONIA LTD said:

Wapi mkopo usio na riba unaweza patikana?
Nlipata kusikia ktk redio flani ila ckuipata vizuri...kama kuna mdau ana taarfa yoyote atujuze hapa.

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Dark City said:

Never do that,

Kama riba ni >20% halafu utoe 10% ina maana utaweza kulipa mkopo kweli?

Sijawahi na sitatoa hiyo 10% hata siku moja...!!

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Husninyo said:

dah! Wenzetu wameendelea, kibongo bongo wanaona kumlipa mtu hadi afe itachukua muda na watapata hasara. Kuna strategies nzuri za mafanikio tunaishindwa hata kuiga!

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udasa99 said:

Just curious, ni benki gani hiyo ya Marekani iliyokuambia secured money wanatoa free under one year period?

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Dark City said:

Ahsante sana,

Nitawafuatilia ili taarifa zao niziweke hapa pia...Ila niliwahi kuongea nao na walionekana kana kwamba wanatoa mikopo ya chini ya 10m...Kwa mkopo ambao ni zaidi ya hapo, walionekana kupwaya!!

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Candid Scope said:

Bank nyingi ikiwemo Bank of America, Green Bank, Wachovia, nk.

Secured money loan inamaanisha kama unakusudia kuanza mradi wa Milioni 10 na unazo hizo cash mfukoni, badala ya kutumia pesa yako hiyo unaiweka bank kama dhamana na ukawa unachukua pesa bank kwa dhamana ya pesa uliyoweka bank na hutatozwa cho chote kwa mwaka mmoja. Baada ya mwaka mmoja riba itaanza kupanda kidogo lakini si sina ni shauri ya gharama za bank zaidi. Kinachotakiwa chukua pesa hizo bank tumia na kisha rudisha, thats all.

Hili ni jambo zuri, badala ya kuchukua pesa yako na kuitumia moja kwa moja, unaweza kuiweka bank kama dhamana na ukawa unachota pesa bank kuendeshea biashara yako. Wenye nafasi nzuri kipesa hufanya hivyo.

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Benaire said:

Hata hapa Tanzania kuna bank ambazo zinaruhusu mteja kufungua Fixed deposit account.....then ndio inakuwa dhamana ya mkopo wake!
The same thing!

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Benaire said:

Napingana na wewe kuhusu Accessbank.
1; Kwa mteja mpya anaqualify kupata mkopo wa 100k-25Mil...and maximum maturity is 12months.

2;Kwa mteja anayerudia (repeat client)....upande wa micro loans bado anaqualify up to 25Mil....ila maturity ni up to 24months.

3;Pale kariakoo branch...wanakitengo cha SME...hawa wanatoa mikopo from 30Mil and above!

4;Interest ya Accessbank ni 21%,Loan processing duration ni 3days.

NB; Wako active sana kwa mtu asielipa kwa wakati otherwise masharti yao ni nafuu sana.

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