Utapeli Benki ya CRDB!

[LazyDog]

Ukweli ni kwamba ATM karibu zote huku ni bure na hakuna charge hata kidogo na ATM zinazocharge wameandika kuwa kunacharge kabla hata hujaweka kadi yako. Suala la Consumer protection laws in developing countries like Tanzania bado ni hadithi. Lazima umueleze mteja ataingia gharama gani?. Nili-apply credit card nikapewa ilikuja na package ya charges zote nikafanya cost-benefit nikaona haifai kwa style yangu nikaipiga chini na sikuchargiwa hata sent moja. japo waliprint credit card na postal costs.

Huenda hiyo sheria ipo, ila utekelezaji wa mamlaka husika kuona sheria inafuatwa ni moja ya changamoto tunazohitaji kuzisimamia kidete.

 

[Zogwale]

Ukweli ni kwamba charges ni kubwa sana!!!! ukizingatia kuwa na interest ni ndogo sana, currently savings interest is less than 2% wakati lending ni 21% halafu bado charges!!! Wanatufisadi ni hatujui tu. Kuchangia huduma is ok lakini si kwa kiasi hiki given the level of inflation rate kuwa we have negative real interest rates!!!! Tunapoteza thamani halisi ya pesa zetu halaf tena migharama kibao ya kuendeshea accounts. Nachoka.

 

[Zogwale]

Hii benk huwa ni hatari; Niliomba mkopo Tawi la Arusha nikawa na sifa yule meneja fedha akaniambia atanipigia tuongee baada ya kazi. Kilichofuata ni kuniambia 'utanipa 5milion kama unakopa 50m'. Nikamwambia kama tutasaidiana kulipa haina noma. Jamaa alikasirika sana.

Yaani mkuu, kwa nini ulipoteza opportunity nzuri hivi ya kumkamatisha fedha ya PCCB?? ningekuwa mimi ndiyo wewe ningekubali kumpatia hizo fedha kwa kuanza kuwa rafiki yake wa karibu sana kiasi kwamba atakubali nimkabidhi mkononi, theni siku ya makabidhiano itakuwa ni ile hela tukufu ya PCCB halafu tayari na media nitakuwa nimeiandaa kuchukua tukio!!!! Wengi wameteswa na kuhujumiwa sana na hawa Loan Managers and loan officers wa mabenki na zile taasisi nyingine za kukopa, ila mabenki yamezidi.