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.
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
hahahaha..na asisahau kesi ya..fisher v bell..invitation to treat hiyo hhahahahah.....
Duuh, mzee wanikumbusha somo la sheria za biashara, lilinisumbua sana
Nimekupata mkuu. Elimu haina mwisho. Tumetoka darasani, tupo kwenye utendaji lakin lazima twendelee kujifunza bila kuchoka
Moja ya masomo mazur sana hii na corporate ndo major zangu.. Wakuu mko multiple Lyamber unanfurahisha sana ingawa nahisi ulitoka na karai hapa hahaha!
Mkuu Mossad007, mi nlitoka na B+, sijui mwalimu alinipendelea au vp, maana nakumbuka business law kuna test nilipata sifuri
Kama alivosema Kichakoro project yako ni ya muda mrefu sana kwahiyo ili kupunguza risk, pamoja na kutumia hard currency kama USD kwenye analysis yako pia usiache kufanya sensitivity analysis ili uone jinsi gani inflation na kubadilika kwa exchange rate kunaweza kuaffect prroject yako
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
Mimi bado ni mwanafunzi lakini napenda kuelezea jinsi nilivyo fahamu tu ( wasomi wa tanikosoa nina ruhusu)
Ukitafuta Discount rate, itategemea source ya finance yako, kama itakuwa full Debt itabidi utumie Market Interest Rate uki adjust Corporate tax rate yaani
Discount Rate = Market Interest Rate (1-Corporate tax rate)
Na ikiwa source ya finance ni full eguity, itabidi utumie formula ya kutafutia cost of equity na " cost of equity' ndo itakuwa Discount rate
Cost of Equity= Rf +(Rm -Rf) B
where Rf= Risk free rate " inapatikana kwa kuji uliza kama nita invest hizi pesa ktk Government Bond, nitapata interest ya kiasi gani (i.e Rate), hio rate ndo itakuwa Rf
Rm= Market Return hii ni expected rate of return unayoitarajia katika hio Investement yako
B = better Coefficient hii ni rate inaonesha corralation bettween Cost of equity na Market return
Na ikiwa Source of Finance yako imejumuisha zote mbili, ni lazma utumie WACC ndo itakuwa Discounting Rate
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
Exactly! na mimi nafikiri hivyo
Hii ni Opportunity cost iwapo hizo pesa ungezitumia sehemu nyingine.
Kwa sasa around 10% ni reasonable kabisa kwa sababu hii ni rate ya interest kwenye mabenki.
Shukran mkuu, pamoja sana
MIMI HAPO NASHANGAA KWANINI VIJANA NYIE MSIANZISHE CONSULTANCY FIRMS ZA MAMBO HAYO, MNANGOJA KUAJIRIWA TU NA KUDADAVUA MAVITU KAMA HIVI BURE BURE TU!!! WHY NOT FORMALIZE? ILI WENYE UHITAJI WA KUDADAVULIWA KAMA HIVI WAJE?!!!! sipingi nawasilisha tu!