The more you talk, the more you prove you are just another broke nigga in his bedsitter.
Why would anyone report to work if a bank can consistently give you 19% of you money every year?
10% (before tax) has been the average in Kenya for many years. After tax you take home something like 8%.
Very few people have the financial might to negotiate better rates, and even these better rates didn't get to your delusional 19%.
Also, show me one bank in Tanzania right now giving rates of 12 - 14% as you claim.
I have looked and looked, and they are offering very low rates of 7% and below.