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Tarakilishi

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Jamani mimi nipo ktk kuandaa Sisal Agribusiness Project.

Project duration ni twelve years. Nimesha identify cost zote na benefis. Pia nishaandaa Projected Cashflow statement ya mradi huo. Kasheshe imekuja wakati nataka kufanya Project Appraisal, nimekumbuka kuwa ktk kutafuta NPV, BCR na IRR ni lazima nizidiscount costs zote na benefits zote, sasa ninachoomba kusaidiwa ni kwa vipi nitapata Interest rate inayotumika kufanya discounting?

Please help. Kwa kesi ya IRR, Najua kuwa Interest rate inayopaswa kutumiwa ni ile ile unayochajiwa kwenye mkopo ulokopwa kwaajili ya kuanzisha biashara, vp kuhusu hyo interest rate inayotumika kufanya discounting. Pia anayeijua hiyo curent rate plz anitajie. Ahsanteni kwa support zenu wadau
 
Hata mi niko interested in your project mkuu. Naomba ukipata msaada kama ni private utujuze aisee. Watanzania 10 tu kama wewe tukiwa nao hapa jamvini walahi uchumi binafsi na wa taifa lazima ukue. Tuache longo longo na vijembe. Thanks mkuu
 
Mi ni mwanafunzi bado so naweza nkakosea ila nachojua ni kwamba discounting measure zote zinatumia interest rate uliyochukulia mkopo so kwenye kutafuta NPV, BCR na IRR utatumia interest rate moja ktk kufanya discount measures zako. Ukiniambia interest rate yako naweza nkakuwekea list ya discount factors za miaka yote 12 hapa
 

Shukrani sana, umenipa idea mkuu. Kuna case moja, hvi kama nimeanzisha biashara kwa mtaji wangu mwenyewe bila kukopa. Si nitapaswa pia kuzifanyia discounting benefits zangu au? Interest rate ipi nitatumia ku take into acount time value of money? Tueleweshane kidogo wadau
 
Kwasababu diacount rate inatumika kupata future value of money, in case unatumia mtaji wako mwenyewe utachofanya ni kutumia interest rate ambayo ungepata kama hiyo pesa ungesave ktk savings au fixed account badala ya ku-invest
 
Mkuu kama unatumia TZS kwenye financial projections zako discounting factor/rate yako isiwe chini ya 22% na kama unatumia USD ama any other hard currency isiwe chini ya 10%.

Mkuu si lazima utumie zote mbili IRR na NPV moja inatosha ingawa kila moja ina weakness yake. Kwa mradi wa miaka kumi na mbili its very likely kukpatia un realistic figure kwa sababu time line yako ni kubwa sana kiasi kwamba changes zitakazojitokeza hapo zinaweza zisiwe reflected. hivyo ningekushauri utumia 6 - 8yrs time line.

Nafahamu pia Sisal inatumia muda mrefu mpaka ianze kuvunwa 3 - 5years na utaivuna for 15 - 30years hivyo kuna alot of assumptions you need to include in your proposal. Pia na inaweza ikakupa negative values/rate below discounting rate/factors. Kama unajua kutumia excel vizuri ni rahisi sana kuitafuta NPV/IRR na unaweza kucheza nayo jinsi utakavyo

Wish you all the best kwenye proposal yako
 
Wakuu hii lugha yenu naona maluweluwe tu ila ni vyema sana napenda kujifunza na mimi tukikutana jukwaa la sheria tutajuzana
 

Nimejifunza kitu kipya, sikufahamu kama tunatumia DR tofauti kutokana na aina ya currency unayotumia kwenye analysis ya project yako
 
zitafute said:
Kwasababu diacount rate inatumika kupata future value of money, in case unatumia mtaji wako mwenyewe utachofanya ni kutumia interest rate ambayo ungepata kama hiyo pesa ungesave ktk savings au fixed account badala ya ku-invest
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Yeah, shoukran sana mkuu, nathamini mchango wako, unazidi kunifungua uelewa
 

Daah! Mkuu umeshawahi kuandika project ya sisal nini? Maelezo ya uvunaji na mpaka kikomo chake umeeleza vyema sana kama vile mtu mwenye idea na sisal industry. Kwa ujumla nashukuru sana mkuu, Maelezo yako yamenipa mwanga zaidi. Anyway, ningependa kujua logic ya kuweka interest rate kubwa tunavotumia TZS, kuliko USD, Ni kwaajili ya inflation kubwa au?
Kwenye masuala ya excel, hayanipigi chenga, nitajitahidi kwenda nayo vizuri
 
mossad007 said:
Wakuu hii lugha yenu naona maluweluwe tu ila ni vyema sana napenda kujifunza na mimi tukikutana jukwaa la sheria tutajuzana
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Mkuu karibu sana kwenye lecture hii ya uchumi, nathamini nafasi yako ktk kupitia post hii. Hzi ni lugha za kiuchumi zaidi
 
zitafute said:
Nimejifunza kitu kipya, sikufahamu kama tunatumia DR tofauti kutokana na aina ya currency unayotumia kwenye analysis ya project yako
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Yani hata mimi nimepata kitu kipya kwakweli. Nadhani ni kwasababu inflation inakuwa kubwa sana. Kwakweli jf ni kisima cha maarifa
 
mossad007 said:
Wakuu hii lugha yenu naona maluweluwe tu ila ni vyema sana napenda kujifunza na mimi tukikutana jukwaa la sheria tutajuzana
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wewe nenda kasome tu jurisprudence...huku utadanja..ni mwendo wa volatility, opportunity cost mwanzo mwisho..!!!!hahahahaha
 
Lyamber said:
wewe nenda kasome tu jurisprudence...huku utadanja..ni mwendo wa volatility, opportunity cost mwanzo mwisho..!!!!hahahahaha
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Hahahaha, akasome lifting the corporate vail, doctrine of ultravires
 
pia waweza tembelea website ya BOT ili ujirihdishe na current project appraisal interest rate ambayo kama ckosei ni 15% kwa pesa yetu.
Ukiangalia njia zote za kutathmini mradi, PBP, ARR, IRR, NPV, etc , ni NPV ndiyo inatumika mara nyingi.
 

Japo si mimi niliyeleta hoja nadhani si mbaya nikachip in. Hiyo sababu ndio haswa kwani hii ni projection ambayo idea ni kuminimize risk ndio maana tunadiscount so kuconsider inflation ni japo muhimu sana. Its obvious namna ambavyo TZS yetu ilivyo vulnerable vs hard currencies kama USD na Euro etc.
 
Tarakilishi said:
Mkuu karibu sana kwenye lecture hii ya uchumi, nathamini nafasi yako ktk kupitia post hii. Hzi ni lugha za kiuchumi zaidi
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Shukran sana msomi mwenzangu dunia ya leo kufaham mambo meng ni tunu kubwa sana. Na mimi ni mjasiriamali lakini sipitiagi hizi step zenu ila taratibu tutafika. Tuko pamoja Tarakilishi
 
Lyamber said:
wewe nenda kasome tu jurisprudence...huku utadanja..ni mwendo wa volatility, opportunity cost mwanzo mwisho..!!!!hahahahaha
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Hahaha aisee acha tu ila ukija kwenye practise juris iko far from application.. Anyway wacha nisikilize wasomi wakishusha nondo za kubadilisha maisha mi napenda sna kujifunza
 
mossad007 said:
Hahaha aisee acha tu ila ukija kwenye practise juris iko far from application.. Anyway wacha nisikilize wasomi wakishusha nondo za kubadilisha maisha mi napenda sna kujifunza
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hahahahaha usiogope kaka..tuko pa1..kwenye mandamus nin mpango mzima...!!!
 
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