Wake wa Marais wetu na Mambo yao

[Gaijin]

nchi inawanyonyaji wa kila aina hii !! khaaa
kumkopesha mwalimu kwa riba ya asilimia 200 ni kumnyanyasa hasa
shame on them

 

[FDR.Jr]

Tusaidie mzee... huo utafiti ulifanywa lini, na nani, na wapi, na unahusiana vipi na walimu wa jimbo la Zambi?

MWANAKIJIJI MSAIDIE ZAMBI AUONE UKWELI HUO MAPEMA KABLA HAJAINGIA MATATANI.

NIKUPE TU KITU KIDOGO CHA KUJIULIZA" Ni kweli nchi ina nyang'au wengi ila inatia shaka pale Mzee Kaduma anapobarikiwa kuwa naye ni mnyonyaji wa 200% tena kwa waalimu wa vijijini, maana hata FINCA na PRIDE hawajafikia RIBA hiyo mpya yenye rekodi duniani.

Nimekupa hizo ili usinihangaike nami bali tumia hekima ku conclude yaliyojiri.

 

[Kevo]

nchi inawanyonyaji wa kila aina hii !! khaaa
kumkopesha mwalimu kwa riba ya asilimia 200 ni kumnyanyasa hasa
shame on them

Na hao walimu wanaokopeshwa kwa riba ya 200 haziwatoshi.hata wao shame on them

 

[Sam GM]

Nafikiri tunahitaji more info za pande mbilikatika hili swala!!

 

[Gaijin]

Na hao walimu wanaokopeshwa kwa riba ya 200 haziwatoshi.hata wao shame on them

kwi kwi kwi!

 

[Selous]

Sasa hii nao kali, tusubiri upande wa pili tujue moja

 

[Belo]

mama Anna Mkapa Ni Safi.. Na Mzindaka Atajitokeza Na Kutaka Serikali Iseme Kitu Ili Mke Wa Rais Asidhalilishwe.

Ni Mchafu Mno Hata Ukimfua Kwa Omo Hatakati

 

[Gaijin]

riba ya asilimia 200 haitokuwa jambo la kwanza la rekodi duniani kufanyika tanzania

 

[Interested Observer]

jamani hili swala ajibu mzindakaya mwanafamilia wa mr clean!!!!!

mama mkapa mbona ameiba vidogo jamani hao wa epa mbona hamsemi na yeye si binadamu na anatamani mbona mawaziri wengi tu wameiba na wengine wanaua vijana wetu pale magomeni na sinza kwa pesa nyingi tu haramu na kuna nyumba zinajulikana zinatengenneza mizigo kusafirisha nje!!!!wangapi hawawajui wale vijana pale airport wanaosindikiza wauza unga mpaka mlangoni na kuwapokea mpaka kwenye gari!!!!hizi story nimeahakikishiwa na mmoja wa mdogo wangu yuko usalama alikuwa pale wamempeleka moja ya mashirika ya umma ....

mwacheni alichoona kuchukua nae achekue jamani/!!!!!salimu bado uko dar ????????

I regret you are "a small mind". Least IQ in the world! (politely speaking: you must develope your IQ, it may be domant!!

 

[Interested Observer]

Kwakweli kama si kinga ya Bunge nadhani Mheshimiwa na kaka yangu God Zambi angeliingia matatani, maana utafiti unaonyesha wazi kuwa si kweli kuwa waalimu hawa wanakopeshwa 1million halafu wanalipa 3million.

Waliompa haya malalamiko wamempotosha kaka Zambi aidha kwa makusudi au na yeye ameamua kusaka pa kutokea ktk siasa za sasa.

Kuna habari kuwa hiyo taasisi itazijibu tuhuma hizo na kwa hakika kama si bunge Zambi kaka yangu angejikuta yuko mahakamani maana language aliyoitumia jana kwa sisi tuliomsikiliza haikuwa na huruma hata kidogo kwa watuhumiwa na ni imani yangu malipizi yake ktk mahakama yangelifanana na kukosekana kwa huruma dhidi ya Zambi.

Otherwise tusubiri tuone na wao watasemaje maana hili linazungumzika kiurahisi na hapo ndipo mwanya utapatikana.

Best business to do in the world! Jamani kwani hao walimu wanalazimishwa kukopa? Anyway; many companies (financial houses) will opt for such business! 1 million for 3 million; the best business!

 

[Pundit]

Tusaidie mzee... huo utafiti ulifanywa lini, na nani, na wapi, na unahusiana vipi na walimu wa jimbo la Zambi?

Huyu mbunge inabidi ajieleze zaidi, convincingly with evidence.Tunapenda kumkoma Nyani lakini tunataka vitu solid.

 

[kalld]

ehhh kaazi kweli kweli!
kweli tanzania akili mukichwa unaweza tengenesa mapesa kwa mukichwa yako tu!
kama ni kweli hii ni dhulma!

 

[Rwabugiri]

Best business to do in the world! Jamani kwani hao walimu wanalazimishwa kukopa? Anyway; many companies (financial houses) will opt for such business! 1 million for 3 million; the best business!

Sishangai sana pia kwamba riba ni 200%, unajua bongo hawa wafanya biashara ya pesa wanatuumiza sana walala hoi! Wanaujanja wa kueleza figure zao wakificha makato halisi unayo garamia mkopaji ama mteja.

Nilishangaa pia jamaa yangu alichukua mkopo CRDB akaambiwa riba ni 15%, so akachukua 12mil kwa five yrs, ila alipo kuja piga mahesabu alijikuta analipa over 17 mil. ambayo ni 47% na si 15%, yaani kuna hesabu fulani zinapigwa hapo, huenda hata huyo mama wanachukua kwa riba ya 60% wakija changanua labda kwa miaka 3-5 wanajikuta wanalipa hiyo 200%

Amabacho sielewi, hivi BOT I mean mfumo wa banki nchini hauwezi kuwa regulated kiasi kwamba riba zikashuka kama nchi za wenzetu?

 

[Fidel80]

Ila mzee MKJJ iwa hueleweki eti huyu mama ni safi??
Mhh shemeji yako nini?Mbona mkuu hatukuelewi msimamo wako?Watu walisha shusha DATA kibao kuhusu huyu mama kuwa ni mchafu hawezi kutakata kwa sabuni yeyote ile.Na ndie aliyemwingiza majaribuni mzee Ben lakini ndo hivyo tena mnasema msafi au ndo kampeni ya kumsafisha nini huyu mama.Ngoja tusubili kesho nini kitaendelea.

 

[mwanatanu]

BayPort Financial Services.

wataalamu wa makampuni hebu tupeni uhalali wa hii kampuni je haikusajiliwa siku ya sikukuu? na inalipa kodi? kinanani major shareholders? kuna harufu ya fitna hapa.

Mimi si mtaalam wa makampuni...lakini nime gugo na nikapata info hii hapa chini.

» Posted by Elizabeth Nelson in Category: Africa, Deals, Investment Funds at 12:03 am

Investment AB Kinnevik, a Stockholm-based international investment firm, announced that it has invested USD 14 million in the African microfinance institution (MFI) Bayport Financial Services. The financing is provided as a combination of debt and equity.........

........According to a Kinnevik press release, the financing of Bayport is the second major investment in the area of New Ventures for Kinnevik this year. In May, the firm invested in Gateway TV, a company which offers satellite-based pay-TV services in Sub-Saharan Africa. It is expected that the service will be available in 8 countries by the end of 2007. In total, Kinnevik has invested USD 124 million (SEK 800 million) in New Ventures, and the market value of new ventures at the end of second quarter 2007 was approximately USD 150 million (SEK 969 million).

Bayport, founded in 2002, currently has 1,000 employees and 61 branches in Zambia, Tanzania, South Africa, Ghana and Uganda. Bayport serves 150,000 clients, the majority of whom are employed but are unable to access conventional sources of credit. About 20 percent of the MFI’s clients are civil servants who live in rural villages. Bayport deploys teams that travel to villages to disperse loans to people who would otherwise be unable to access financial services.

Bayport clients use the loans for a variety of purposes. Thirty to 40 percent take out loans to pay for education. Twenty percent borrow to fund home improvements. The rest of the loans serve various functions, including funding small businesses and consolidating more expensive debt.

Bayport’s loans range in size from just USD 20 up to USD 1,500. The average loan issued is USD 250–no small amount considering that a teacher in Zambia earns just USD 200 per month. Annual interest is between 70 and 90 percent. The MFI’s repayment terms range from one to 36 months, and repayment rates are high (96.5 percent in Zambia).

 

[Ngereja]

Nilishangaa pia jamaa yangu alichukua mkopo CRDB akaambiwa riba ni 15%, so akachukua 12mil kwa five yrs, ila alipo kuja piga mahesabu alijikuta analipa over 17 mil. ambayo ni 47% na si 15%, yaani kuna hesabu fulani zinapigwa hapo, huenda hata huyo mama wanachukua kwa riba ya 60% wakija changanua labda kwa miaka 3-5 wanajikuta wanalipa hiyo 200%

Amabacho sielewi, hivi BOT I mean mfumo wa banki nchini hauwezi kuwa regulated kiasi kwamba riba zikashuka kama nchi za wenzetu?

Kwenye mambo ya mikopo kwanza inabidi mkopaji ajihakikishe aina ya interest anayotozwa, kwani kuna interest ya kawaida ambayo ambayo riba haitozwi riba, lakini kuna riba inayotozwa riba (Compound interest) ambayo nadhani ndiyo mabenk na makampuni kama Bayport wanatumia. Na mara nyingi riba hiyo inatozwa kwa mwezi na interest nayo inatozwa riba. Kwa hiyo inabidi unapokopa ukokotoe mahesabu ujue mwisho wa siku utalipa kiasi gani. yaani, Mkopo + cummulative interest.

Wataalamu wa mambo ya benki humu JF wanaweza kutusaidia hapa nini huwa kinafanyika katika kukokotoa hizo riba.

Rwabugiri, kama rafiki yako alikopa 12million na akalipa zaidi ya 17million kwa muda wa miaka nitano, kimahesabu ni sawa kabisa alitakiwa alipe 21,000,000 kwa hiyo gharama ya mkopo wote kwa miaka mitano ni 9,000,000. Hesabu yake ni rahisi tu (gharama ya riba = (Kiasi cha mkopo x riba (15%) x muda wa mkopo (5 years))/100).

Mkopo + Gharama ya mkopo = 21,000,000. Hivyo hakulipa 47% bali 15%. Tatizo la mkopo ni kwamba ukikopa pesa nyingi kwa muda mrefu gharama ya mkopo inakuwa kubwa. Kama angekopa hizo pesa na kulipa ndani ya mwaka mmoja angerudisha 13, 800,000/= (Mkopo + Interest). Hapo utaona gharama ya mkopo kwa mwaka mmoja ni 1,800,000/=

 

[Kuhani]

Kauli ya Zambi, itaibuka kesho kwenye magazeti kwa kuwa wanayoyasema bungeni yanakuwa na kinga.

Sio kweli yanayosemwa bungeni yanakuwa na kinga. Kuna qualifications.

Ndio maana Waziri Marmo alimtisha Slaa kwamba anavunja sheria kutoa siri za Serikali za Meremeta.

Ndio maana kila siku Wabunge wanamuuiliza Sitta, ninalindwa nikisema hili na lile...kana kwamba Sitta ni jaji au wakili wao.

For the record.

 

[JokaKuu]

..nani aliwashikia bunduki hao Waalimu ili wakakope kwa Mama Mkapa?

..nilitegemea hiyo benki inayotoza riba 200% ingekufa mara moja kwa kukosa wateja.

 

[Kevo]

..nani aliwashikia bunduki hao Waalimu ili wakakope kwa Mama Mkapa?

..nilitegemea hiyo benki inayotoza riba 200% ingekufa mara moja kwa kukosa wateja.

Ndio maana hata mimi nasema shame on this teachers hawana hata IQ ndogo ya kufikiria hiyo rate wanayotoswa au huyu aliyepost hii kitu atupe maelezo ya zaidi ni kwa rate gani wanatoswa kwa kulingana na kiasi la sivyo na sisi tutakuwa kichwa cha mwendawazimu kujadili habari nusu ambazo hazina kichwa wala miguu.

 

[Mzee Mwanakijiji]

Sio kweli yanayosemwa bungeni yanakuwa na kinga. Kuna qualifications.

Ndio maana Waziri Marmo alimtisha Slaa kwamba anavunja sheria kutoa siri za Serikali za Meremeta.

Ndio maana kila siku Wabunge wanamuuiliza Sitta, ninalindwa nikisema hili na lile...kana kwamba Sitta ni jaji au wakili wao.

For the record.

Kuhani, yanayosemwa Bungeni yanakuwa na kinga kwa maana ya kwamba anayosema Mbunge huwezi kumfikisha mahakamani kwayo. Hii hata hivyo ni tofauti na kusema kuwa Mbunge amelipotosha Bunge n.k kwani Bunge linauwezi wa kumchukulia hatua na si mahakama. Hii ni kesi ambayo imelindwa sana katika parliamentary democracy.

Wabunge wanaweza kumsema mtu yeyote, na kuibua lolote pasipo hofu ya kushtakiwa. Hofu pekee ni ya kufukuzwa Bungeni, kukosa kura, kusimamishwa n.k lakini siyo kushtakiwa mahakamani.