Bwana Kobello,
Hizo hela ukitumia ATM kuwithdraw au kufanya online payment huwezi zikosa.
Je bank zetu zinafanya direct exchange? CRDB anapokea YUAN au anaizungusha kwenye dola?
Nadhani huo ndio msingi wa maelezo yangu ya awali.
Angalia exchange rate unayopata angalia na makato halafu fananisha ukiwa na acc ya Tshs na ukiwa na dola.
Pia unafikiri ukienda China ukiwithdraw hela wanapokea Tshs na kukupa Yuan?
Wana convert na kupokea USD na wanakupa YUAN.
IPO HIVYO.
Not that easy.
BOT Wana akiba ya Yuan, pia Wana akiba ya Indian Rupees na Dirhams. Hiyo ni mfano ya trading partners wakubwa wa Tanzania. I'm talking about physical reserves.
Pia Wana akiba ya USD na Euro siyo kwa sababu ni trading partners wetu wakubwa, bali labda pia through loans na misaada ya kimaendeleo Bado tutakuwa na reserves za pesa zao.
Sasa Hawa large trading partners tunaweza kuwa na agreement nao kuhusu kubadilishana pesa na wakakubali hadi wakawa na EXIM banks zao nchini hata kukawa na benki za India na za kiarabu nchini. Hayo Mambo yanarahisisha fees na taxation.
Pia trading blocks kama SADC na EAC, hata nothing but arms between Tanzania na EU zinasaidia kwa kiasi Fulani kupunguza fees na taxation ya conversion.
Hapo usifananishe conversion business na forex ni vitu tofauti.
USA hapana biashara na Tanzania. Hatuna cha kuwauzia na hatuingizi dollars labda za msaada na utalii, so they don't give a shit about any preferential conversion fees and taxation regime between us. They don't really need anything from us. Kwa hiyo ukitaka dollars lazima ufuate mkondo.
Lakini ukitaka KES au ZAR unaweza zipata airport easily lakini ukitua JFK na TSH eti unataka USD Kwanza wanacheka, but you can do it through ATMs na Banks kubwa through bid-ask pricing. Kwa kuwa bid-ask pricing spread itakuwa wide, basi na institutions zitatoza fee kubwa.
Basically that's how the conversion machinery works.
Siyo kama wewe unavyosema kirahisi hivyo. Siyo kila kitu ni dollars. No!