Taarifa za mikopo midogo midogo ya kibiashara!

[LAT]

Wana dirisha maalum la kilimo ambalo linatumia pesa ya ruzuku ya serikali na riba yake ni 5% na kuna mikopo ya biashara nyingine zote ambazo riba yake ni negotiable kuanzia 8% hadi 15%

Mzuzu

how is the progress of your cassava project, umechota TIB au?

 

[Chambusiso]

Mzuzu

how is the progress of your cassava project, umechota TIB au?

ile inapata FDI ila stage II ambayo ntafanya expansion tumeshaweka makubaliano ntapata hapo by next year. Sijaanza huo nashughulikia land acquisition ndugu yangu ni process ambayo sikuijua mwanzo bt imechukua 2yrs kasoro sasa but natarget kuanza Feb ujenzi na farms. Huenda ntakuwa nimemaliza na kupata lease

 

[LAT]

ile inapata FDI ila stage II ambayo ntafanya expansion tumeshaweka makubaliano ntapata hapo by next year. Sijaanza huo nashughulikia land acquisition ndugu yangu ni process ambayo sikuijua mwanzo bt imechukua 2yrs kasoro sasa but natarget kuanza Feb ujenzi na farms. Huenda ntakuwa nimemaliza na kupata lease

all the best

 

[Candid Scope]

Wana dirisha maalum la kilimo ambalo linatumia pesa ya ruzuku ya serikali na riba yake ni 5% na kuna mikopo ya biashara nyingine zote ambazo riba yake ni negotiable kuanzia 8% hadi 15%

Kama wana mikopo ya kiwango hicho mradi si ya masharti magumu basi hapo ni pa kuchamkia kwa bongo yetu tukilinganisha na vyombo vya fedha vingine.

 

[Chambusiso]

all the best

Thanks ila mazingira ya uwekezaji hapa kwetu bado sana mkuu, maneno mengi sn kwenye majukwaa lakini support ni ndogo sana na urasimu ni mkubwa mno ndugu yangu, kupata hati ya ardhi sio kitu cha mchezo na kinahitaji commitment kubwa sn na devotion..

 

[LAT]

Thanks ila mazingira ya uwekezaji hapa kwetu bado sana mkuu, maneno mengi sn kwenye majukwaa lakini support ni ndogo sana na urasimu ni mkubwa mno ndugu yangu, kupata hati ya ardhi sio kitu cha mchezo na kinahitaji commitment kubwa sn na devotion..

mkuu

tatizo kubwa kwa mikopo hapa tz ni kwenye kundi la start up, yaani mabenki hayana program kwa hili kundi kabisa, wao wanaangalia wliyekua anategeneza pesa tuu

 

[Dark City]

mkuu

tatizo kubwa kwa mikopo hapa tz ni kwenye kundi la start up, yaani mabenki hayana program kwa hili kundi kabisa, wao wanaangalia wliyekua anategeneza pesa tuu

Whichi is very wrong, kwani watapataje watu wenye biashara zinazotegeneza pesa kama hawatachukua initiatives kuangalia potential business ideas??

Babu DC!!

 

[Husninyo]

Amini usiamini, hii ya kupewa kwa mkupuo kwa wengi ni mbaya sana, kwani unavyoona we unaweza kurudufu pesa yako hadi utakapokufa si wote wenye uwezo na upeo huo. Hata kama watapewa mafunzo ni sawa na shule wanaokuja kufauulu ni mmoja au kushindwa wote. Mataifa yaliyoendelea yanatoa mafao hayo kwa utaratibu wa kupewa kila mwezi na hii hadi kifo kitakapomchukua, hii inamhakikishia kupata kila mwezi au kila baada ya miezi miwili.

Pato lake hilo ni msaada pia kupata mkopo kama anataka kuanzisha biashara kwa kuwa ni income ya uhakika ambayo itampa dhamana bank kupata mkopo wenye riba nafuu. Kumbuka mataifa makubwa wamefanya utafiti wa miaka mingi na wameishia kuwalipa kwa mzwei badala ya kwa mkupuo ktuokana na wengi kuishia kuwa homeless.

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

 

[LAT]

Whichi is very wrong, kwani watapataje watu wenye biashara zinazotegeneza pesa kama hawatachukua initiatives kuangalia potential business ideas??

Babu DC!!

great Babu DC, what matters is a good business idea with a bankable business plan

 

[Dark City]

NBC...Wanatoa mikopo kwa riba ya 20-24% kwa mwaka, 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!!

 

[Dark City]

Exim wanatoa mikopo ya biashara kwa riba ya 19%. Unaweza kuchukua zote au kwa overdraft!!

Barclays bank wanatoa mikopo ya kati na mikubwa tu (>50mil). Interest yao ni 25%.

 

[LAT]

Exim wanatoa mikopo ya biashara kwa riba ya 19%. Unaweza kuchukua zote au kwa overdraft!!

Barclays bank wanatoa mikopo ya kati na mikubwa tu (>50mil). Interest yao ni 25%.

great and thanks the info

 

[Narubongo]

Mzuzu

how is the progress of your cassava project, umechota TIB au?

that's best ideal, am also researching in this project, my target is biofuel industry in next 10 years as you know 1 hectare of cassava produces around 5900kg of ethanol while sugar cane produces around 4000-5000kg.

 

[Narubongo]

Equity bank ya wakenya nasikia inatoa mikopo pasipo na magumashi na interest zao zipo chini sana. Kwasasa wameshafungua matawi tz dar, mwanza, arusha. All the best

 

[Dark City]

that's best ideal, am also researching in this project, my target is biofuel industry in next 10 years as you know 1 hectare of cassava produces around 5900kg of ethanol while sugar cane produces around 4000-5000kg.

Karibu sana ukumbini kaka,

This is the kind of info I was waiting for...Mie niko kwenye line nyingine kabisa ila ni vizuri kusikia taarifa kama hizi!1

Babu DC

 

[Dark City]

Equity bank ya wakenya nasikia inatoa mikopo pasipo na magumashi na interest zao zipo chini sana. Kwasasa wameshafungua matawi tz dar, mwanza, arusha. All the best

Asante sana Mkuu,

Unaweza kutusaidia kupata details zaidi kidogo..Kwa mfano, masharti yao ya dhamana yakoje na interest rates?

Babu DC!1

 

[LAT]

Equity bank ya wakenya nasikia inatoa mikopo pasipo na magumashi na interest zao zipo chini sana. Kwasasa wameshafungua matawi tz dar, mwanza, arusha. All the best

mkuu, nilisikia muda kidogo kwamba wangeingia bongo, branch zao zipo wapi?

 

[Dark City]

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!

Kenye Commercial Bank....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 rates per month kwenye overdraft!

 

[Michael Amon]

Asante sana kwa information mkuu. Ila nina swali moja nataka kuuliza, je kama ninahitaji mkopo wa kuanzisha biashara na sina kiwanja, nyumba wala shamba ninafanyaje? na ni benk gani ambayo itanifaa??

 

[bagamoyo1]

sidhani kwanba hizo data zako ziko sawa , na kushangaza hiyo TIB unasema ni 5%, tanzania hakuna benki itakayokupa chini ya riba asilimia 10 na hii ukikopa kwa USD , kwa Tsh mkopo unakwenda kwa riba ya aslimia 14 , CRDB, NMB , EXIM , NBC