Tuache Siasa, Riba ya Mabenki ya biashara kukopesha Raia ni suala la Vihatarishi na sio maamuzi ya Serikali

[GUSSIE]

Inachangiwa na nini riba kupunguziwa mkopaji? Je wale wanakopa nje ya nchi kwa USD, awapati athari au shida yoyote kutokana na shilling yetu kuwa WEAK dhidi ya DOLLAR?

Wataathiriwa na kiwango cha ubadilishaji yaani Exchange rate

Ukikopa nje dollar, Kila wakati utaomba dollar ipoteze thamani ili utumie shilingi chache kulipa deni la dola

Dollar inapokuwa imara unatumia shilingi nyingi kulipa deni lako

Tanzania Bank chache vitabu vyake vya mahesabu vimekuwa dominated in Forex

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[GUSSIE]

Vipi kwa wafanyakazi wa serikali ambao wanakopea mishahara , na wenyewe wana risk ? Tz banks are just too greedy, wanataka over profit, hii sawa, serikali ilinde watu wake.

Hakuna insurance au commitment ya serikali kwa wafanyakazi wake

Mfano mfanyakazi akifukuzwa kazi, Je serikali ipo tayari kulipa deni au la

Wafanyakazi wa vyeti feki waliokopa Bank, Je Bank walipata wapi pesa kurudisha mikopo yao

Vihatarishi bado vipo pale pale kwa wafanyakazi wa serikali

Bank nyingi zimeanzisha Bima ya mikopo ambayo mtu anakatwa wakati wa kukopeshwa pesa ila ni kiwango kidogo sana sana

Makampuni ya Bima yapo makini sana kugurantee insurance za mikopo



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[Logikos]

Vipi kwa wafanyakazi wa serikali ambao wanakopea mishahara , na wenyewe wana risk ? Tz banks are just too greedy, wanataka over profit, hii sawa, serikali ilinde watu wake.

Well tusiandikie mate wino upo.., nakushauri u-mobilize na wengine ili uweze kuwasaidia wanajamii wenzako kwa kuwasaidia mikopo; tufanye vitu practically

SoC01 - Mitaji, Mikopo, Masoko na kuzalisha Faida kwa WanaJamiiForums

MITAJI / MIKOPO a) Wakopaji Kuna wadau wengi katika Jamvi letu wanakuwa na uhitaji wa pesa kwa wakati Fulani lakini hawana pa kuzipata. Pia sababu watu hatujuani ni vigumu kuaminiana ila JF inaweza kutumika kama platform ya kuwaunganisha wahitaji (kwa kuwa-verify wakopaji) ili waweze...

www.jamiiforums.com

 

[wazunguwawili]

Tz mizinguo sana, eti hiyo ni kwa special customers walio na minimum risks ya ku default the likes of Bakhresa na Asas. Serikali inabidi itafute solution ya mikopo iwe kwa riba rafiki, riba za Tz ni wizi mtupu, mtu anapewa mkopo riba 18% halafu non reducing rate, after 5yrs analipa 90% ya mkopo kama riba so kama alichukua 100m, atalipa riba 90m, jumla aliyolipa 190m, huu kama sio wizi ni nini kwa kweli ?

Hapa ni ujinga wako tu.

Kuna benki unakopa 100m, riba ni 10m kwa mwaka tu.

 

[Ndebile]

Benki gan hyo riba ni 14%

Stanbic 14.5% REDUCING METHOD (kwa watumishi) nimeona tangazo lao sehemu, nitaweka picha hapa!

 

[Eric Cartman]

Swala la riba na mkopo sio kama conundrum ya kuku na yai wich came first.

Banks are not stupid kabla awaja kukopa kwanza wanahakikisha kwenye interest computation kuna future value (inflation) ndani ya malipo.

On top of that kuna interest ya kulipa deni lao na interest ya faida.

Moreover kabla awajakukopa wanafanya risk assessment ya uwezo wako wa kulipa deni (ndio maana sio rahisi kila mtu kupata mkopo) na kwenye risk assessment zao wanaweka room for bad debt katika mikopo wanayotoa.

So in accounting practice kama wewe ndio serikari if you want to pressure the banks to lower their (interests) unaangalia percentage of their bad debt at the end of the year (how much are the actual default) and their profit margin.

Bank za Tanzania zipo way above their bad debt estimates (needing adjustments) and making so much profits because of high borrowing interests and unnecessary charges; uwezi kumtoza mtu hela kutumia ATM machine nor to make a transfer it doesn’t cost them that much in administration costs.

Long story short banking in Tanzania needs an overhaul. However inflation based corruption needs to be controlled also it makes difficult to pressure banks to lower their interest.

In short kwenda mbele come 2025 nchi inahitaji raisi kijana; nchi inahitaji mageuzi ya kiutendaji na kifikra.

TANU era is done 👋👏👏 pumzikeni waachieni damu mpya wazee wa TANU.

 

[Dodoma leo]

Stanbic 14.5% REDUCING METHOD (kwa watumishi) nimeona tangazo lao sehemu, nitaweka picha hapa!

Aisee liweke hapa. Itatusaidia na ni miaka mingpi maximum

 

[Ndebile]

Aisee liweke hapa. Itatusaidia na ni miaka mingpi maximum

Aisee liweke hapa. Itatusaidia na ni miaka mingpi maximum

Miaka saba, ila tangazo lenyewe walilengwa watumishi wa Manispaa ya Ilemela jijini MWanza...ila naamini ni Tanzania nzima! Pia wananunua deni la mteja kutoka aliyekopa benki nyingine.

 

[Omusolopogasi]

Sijui mnalinganisha na nchi gani? Malawi inakwenda mpaka 30% p.a.

Ebu fafanua, inakuaje BOT wakubali kushusha rates zao kwa ma bank ila bank bado waone kwao hailipi? Riba za Tz kiukweli ki kubwa sana, utakuta mtu amepigwa riba ya 18 % tena non reducing rate, after 5 yrs huyu ni kama amelipa 90% riba, sasa huu si wizi.

 

[GUSSIE]

Mzee bank gani wanatoa deposit interest rate ya 16% kwa mtu anayeweka chini 100m ? Ukienda kuweka fixed utapewa rate za chini ya 10% per annum ila ukienda kuomba mkopo utaambiwa 18% ? Biashara ya bank bongo ni wizi uliohalalishwa kisheria tu.

Rate kubwa utapewa kwenye deposit yako pale utakapoamua kufix pesa yako kwa muda mrefu /Longterm kuanzia miaka mitatu na kuendelea

Kwa miaka kuanzia miwili utapata zaidi ya 10%

Watanzania wachache na wenye akili tu ndio wanaamua kufix pesa kuanzia miaka miwili

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[John7371]

Rate kubwa utapewa kwenye deposit yako pale utakapoamua kufix pesa yako kwa muda mrefu /Longterm kuanzia miaka mitatu na kuendelea

Kwa miaka kuanzia miwili utapata zaidi ya 10%

Watanzania wachache na wenye akili tu ndio wanaamua kufix pesa kuanzia miaka miwili

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Mkuu hapa unaongelea hisia zako tu binafsi-ingawa hamna uhalisia sana.Ungekuwa una background kubwa kwenye hz financial institutions usingeandika haya.

 

[GUSSIE]

Hawa wateja ni wachache mnoo kwenye portifolio za bank,lakini huwezi kuja na akili timamu ukasema riba za sasa sokoni ni 9% wakati zipo offered kwa kundi ambalo ni less than 1% ya wateja wote-It's a joke

Corporate customers Ni wachache lakini ndio wateja Bank zote zinawahitaji

Corporate customers ni wachache sana na ni gharama kuwa managed lakini wanapeleka Deposits kubwa Bank, Lazima nao wapewe nafasi yao maalum

Bank nyingi zinashauriwa kutengeneza wateja wadogo wadogo yaani Retail customers wengi ili kupunguza gharama za uendeshaji, Retail customers sio wasumbufu kwenye negotiations ukilinganisha na wateja wakubwa/Corporate customers

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[John7371]

Corporate customers Ni wachache lakini ndio wateja Bank zote zinawahitaji

Corporate customers ni wachache sana na ni gharama kuwa managed lakini wanapeleka Deposits kubwa Bank, Lazima nao wapewe nafasi yao maalum

Bank nyingi zinashauriwa kutengeneza wateja wadogo wadogo yaani Retail customers wengi ili kupunguza gharama za uendeshaji, Retail customers sio wasumbufu kwenye negotiations ukilinganisha na wateja wakubwa/Corporate customers

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Ndo maana nikakwambia huna uelewa na taasisi za kifedha Tanzania,Unaongelea masuala ya shule na hisia zako binafsi.Be specific kwenye hoja zako pia,manake ukiulizwa huku unarukia kule-consistency ni muhimu sana kwenye arguments.

 

[Olomynkunde]

Riba ya Mabenki kukopesha wateja wao sio suala la kisiasa, Huwezi ukasema kuanzia Leo Mabenki ya biashara riba ya kukopesha iwe asilimia kumi 10%

Mabenki kukopesha Raia au wateja wake kinachoangaliwa ni:
1. Vihatarishi (Risk) vinavyoizunguka biashara au kazi ya mteja husika, Biashara au kazi isiyoeleweka yaani tia maji tia maji ni ngumu sana Benki kujilipua kukukopesha kwa riba ndogo kwani hawajui hatima ya pesa zao( Na hizi pesa Bank inakopesha sio zao bali baadhi ya Raia waliozidiwa na pesa na hawana matumizi nazo kwa wakati huo wameamua kuzitupa pesa zao Bank)

Siku waliozidiwa na pesa na kuamua kuziweka Bank wakizihitaji pesa zao hakuna mjadala na Bank, Bank Inatakiwa kuzitoa bila kusingizia hazijarudi kwa kukopesha makapuku kwa riba ndogo

2. Uwezo wa mkopaji kurudisha deni( Creditworthiness of the borrower). Mteja ambaye yupo vizuri na amekamilika ni rahisi kupunguza riba kuliko kapuku asiye na kitu chochote, Kapuku ni ngumu kufahamu matarajio ya biashara au kazi yake ndani ya miaka miwili au mmoja ujao, Hatari iliyopo kwa kapuku ni kubwa kuliko kwa Tajiri,

Wanaosubiri Mabenki kushusha riba kwa Matamko ya kisiasa, Hii kitu kwenye uchumi huria haipo,

Ni bora ukaweka riba kubwa ili pesa yako irudi kwa wingi haraka haraka hasa kwa wafanyabiashara na wafanyakazi tia maji tia maji kuliko ukaweka riba ndogo itakayofanya mrejesho uwe kidogo na kupata hasara kubwa kapuku akishindwa kulipa deni lake

Serikali hata wakashusha riba zao za Bank za biashara kukopa Bank kuu(BoT) yaani landing rate hii haiathiri riba za Mabenki kukopesha Raia zaidi inasaidia Mabenki Kuongeza Deposits(Pesa za kukopesha Raia)

Riba ya mkopo ni Negotiable( Inajadilika) kama tu upo vizuri na unaeleweka mbele za wakopeshaji

Mtu kama Bakhresa au Asas Ltd anaweza kopeshwa na Mabenki dollar za marekani hata kwa riba ya asilimia nne 4% lakini sio wewe Kapuku, Hatari ya kuweka riba ndogo kwa kapuku ni kubwa zaidi

Mtu mwenye Fixed Deposit Bank ni rahisi zaidi kumkopesha pesa, Akishindwa kulipa tayari Bank ina fixed deposit yake kama dhamana, Mtu wa Mtindo huu unaangalia tofauti ya riba uliyompa kwenye fixed deposit na Kuongeza kidogo kwenye mkopo

N. B
Kumbuka Bank ni neno tu, Bank zipo pale kutokana na Pesa za wateja wao walioziweka, Hizo pesa ndio Bank inapata kiburi cha kukopesha Raia, Bila watu kuweka pesa Bank, Hakuna biashara ya Bank za biashara

Ni nani aliyetayari kuweka pesa Bank yaani kuikopesha Bank Halafu baada ya mwaka unaambiwa pesa zako tulimkopesha Mwanaidi Binti CCM hajarudisha, Utawaelewa?

Je watanzania sisi tupo kundi gani la kukopesheka? Level ya kapuku, Level ya kati au Matajiri

Nchi tajiri zinakopeshwa kwa riba ndogo kuliko nchi maskini, Huo ndio uhalisia

Nafikiri serikali ingeingilia kati kupunguza hizo rate tukianza na kupunguza reserve ratio mzunguko wa pesa mtaani mdogo sana aisee....

 

[Omusolopogasi]

Nimejiuliza hili swali sana. Imekuwa hivyo hivyo tangu maduka ya kubadilisha fedha za kigeni yalipovamiwa!!

Is it ok exchange rate ya 1US=2340 kuwa hivyo hvyo for years kabla na baada ya corona?

 

[John7371]

Nimejiuliza hili swali sana. Imekuwa hivyo hivyo tangu maduka ya kubadilisha fedha za kigeni yalipovamiwa!!

Hii serikali inafikiri duniani kila mtu ni mjinga kama wao,Yaani wanatuambia wananchi na dunia kwamba uchumi unakuwa kwa kasi halafu makusanyo ya kodi yanashuka-Where on earth? wakati economic growth na Revenue collection vina positive relationship.Wamekuwa wanadanganya ili waweze kukopa alafu wanasahau uchumi huwa haudanganyi-Wamepigwa pabaya sana kwenye marejesho ya mikopo manake marejesho ni responsibility

 

[Omusolopogasi]

Nakubaliana na wewe. Mimi siyo mchumi lakini uzoefu wangu wa Marekani ni kuwa wakopeshaji wanatafuta watu wa kukopesha. Mabenki huwatumia watu barua kuwabembeleza wakope tena kwa riba ya chini kabisa.

Ingekuwa watu wengi ni Credit Worthy Benki zenyewe zingepanga foleni kubembeleza watu na kushusha riba to the minimum

 

[upeo]

wakuu naomba kuuliza

NBC bank riba ipo asilimia ngapi? nashukuru

 

[Omusolopogasi]

Siyo swala la akili sana sana. Nisuala la kuwa na pesa idle - usiyoihitaji.

Watanzania wachache na wenye akili tu ndio wanaamua kufix pesa kuanzia miaka miwili

 

[John7371]

Swala la riba na mkopo sio kama conundrum ya kuku na yai wich came first.

Banks are not stupid kabla awaja kukopa kwanza wanahakikisha kwenye interest computation kuna future value (inflation) ndani ya malipo.

On top of that kuna interest ya kulipa deni lao na interest ya faida.

Moreover kabla awajakukopa wanafanya risk assessment ya uwezo wako wa kulipa deni (ndio maana sio rahisi kila mtu kupata mkopo) na kwenye risk assessment zao wanaweka room for bad debt katika mikopo wanayotoa.

So in accounting practice kama wewe ndio serikari if you want to pressure the banks (interests) unaangalia the percentage of their bad at the end of the year (how much are the actual default) and their profit margin.

Bank za Tanzania zipo way above their bad debt estimates (needing adjustments) and making so much profits because of high borrowing interests and unnecessary charges; uwezi kumtoza mtu hela kutumia ATM machine nor to make a transfer it doesn’t cost them that much in administration costs.

Long story short banking in Tanzania needs an overhaul. However inflation based corruption needs to be controlled it makes difficult to pressure banks to lower their interest.

In short kwenda mbele come 2025 nchi inahitaji raisi kijana; nchi inahitaji mageuzi ya kiutendaji na kifikra.

TANU era is done 👋👏👏 pumzikeni waachieni damu mpya wazee wa TANU.

Well said.