ELIMU DUNI YA FEDHA INAWAATHIRI WANAKOPAJI BENKI…

October 10 hadi 13 mwaka huu, ilikuwa ni wiki ya huduma za kifedhana uwekezaji, iliyofanyika jijini Dar es salaam.

Katika maonyesho hayo hakuwepo kwa taarifa maalumu ya kuonyesha idadi ya washiriki, lakini ilionekana kuwa na washiriki wengi katika wiki hiyo.

Inawezekana idadi kubwa ya washiriki ilikuwepo kutokana na kutokuwepo kiingilio,pia na kutolewa bure kwa elimu iyo ya ujasiria mali kwenye mabanda zaidi ya matatu kwnye viwanja hivyo.

“nimejua mengi kuhusu namna gani naweza kupata mikopo na jinsi ya kusimamia biashara yangu katika hali ambayo itanipa ufanisi wa kudumu”.

“mimi n mjane,nina watoto wa tatu ambao nawatunza na nimekuwa nahangaika kupata mkopo, nafuga kuku, ambao nafikiri sasa nahitaji mkopo ili nikuze mtaji wangu” anasema Muro.

Anasema ipo haja ya wiki ya huduma za fedha zikaendeshwa katika maeneo mengine nchini ili kuwasaidia watanzania wengi zaidi ambao tafiti zinaonyesha kwamba hawana ujuzi wa kusimamia fedha zao kwa ufasaha.

ELIMU DUNI NI CHANZO CHA WAKOPAJI KUTOREJESHA MIKOPO.

Muro anasema kutokuwa na elimu ya kutosha kuhusu elimu ya fedha, kumesababisha watu wengi kushindwa kulipa madeni wanaokpa benki.

“nilichogundua kwenye wiki hii ya fedha ni kwamba taasisi nyingi za mikopo nchini zimekuwa hazitoi elimu nzuri ya mikopo , na taasisi hizo zinafanya hivyo kwa lengo la kuwadhulumu hasa katika marejesho na kupitia riba za mkopo, lakini hakupewa elimu jinsi atakavyoendesha biashara yakeau kusimamia fedha yake sawasawa..”

MAMBO MUHIMU KABLA YA KUKOPA MKOPO..

Taarifa ya taasisi ya Bogach Finance Co.Ltd inaeleza kwamba ni lazima mkopaji awe na sababu ya uhakika ya kuchukua mkopo huo, kabla ya kuamua kufanya hivyo.

Bogach Finance Co. Ltd imekwa ikitoa mikopo kwa ajili ya watakaotaka kujiendeleza kielimu, kulipia pango la nyumba,kununua viwanja na huduma za mikopo kwa vikundi.

Kampuni hiyo imebainisha kwamba siri moja ya kuw a na mafanikio mazuri yatokanayo na mkopo ni kutimiza malengo ambayo muombaji anakuwa amejiwekea kabla ya kuamua kukopa.

Baadhi ya wakopaji wamebaini kwamba zipo taasisi ambazo zinatoa mikopo bila kubainisha aina ya riba wanatozwa katika mikopo wanayotaka.

Mfanyabiashara wa soko l kariakoo Jonathan Kihaule , ambaye alikwenda kwenye wiki ya huduma ya fedha , alisema kuna benki zimekuwa zikifurahia wakopaji kutokuwa na elimu ya mikopo.

“nilichogundua baada ya mafunzo, kutokuwa na elimu ya kifedha kunasababisha matatizomengi katika maisha. Kwa mfano mtu anaeza kukimbilia riba ya asilimia mbili kwa mwezi, ambayo ukichanganua ni sawa na asilimia 24 kwa mwaka na kuacha riba ya asilimia 10 kwa mwakaambayo ni nafuu”

Anasema kihaule.

Mfanyabiashara huyo amewashauri watanzania kujua muda wa marejesho ya mkopo, masharti ya riba kabla ya kukimbilia kukopa kwa kuwa kadri muda wa kurejesha mkopo unapokuwa mrefu riba pia inakuwa kubwa.

Kwa mfano, mkopo wa sh5 milion unatozwa riba ya 24% kwa mwaka ukitaka ukatwe ndani ya miaka mitatu riba itakuwa 964,000 lakini watu wengi hawana ufahamu kuhusu hilo.

NI KOSA LA TAASISI ZA FEDHA KUTOA SIRI.

Kumekuwa na malalamiko kutoka kwa baadhi ya wakopaji kwamba baadhi ya taasisi zimekuwa zikiwatangaza watu wanaokopa mikopo katika taasisi hizo jambo ambalo kampuni ya huduma ya fedha ya Finscope Survey imeonya tabia hiyo.

Finscope Survey inakiri kwamba watoa mikopo wamekuwa wakitangaza taarifa za wateja wao kwa watu wengine na kukiukasheria za mikopo ya Benki Kuu ya Tanzania( BOT Act2007).

Taarifa za mkopaji zinatakiwa kuwa siri kati ya ofisi ya mkopo na mteja wake kwani kutoa siri ya mtu mwingine ni kinyume cha sheria.

TAFAKARI DHAMANA YA KUWEKA KABLA YA KUKOPA.

Mchambuzi wa maswala ya uchumi kutoka Zanzibar, Hawa Maljuni, anasema mkopaji yoyote anatakiwa kuwaza kwa makini kuhusu dhamana ya kuweka hasa kwa mikopo inayotaka mkopaji kuweka nyumba, gari au biashara kama dhamana kabla ya kupewa mkopo.

“kuna watu wengine wamepoteza gari, nyumba baada ya kuweka dhamana ili wapate mkopo. Ukweli ni kwamba unatakiwa kuweka gari au nyumba yako iwapo tu una uhakika kwamba una uwezo mkubwa wa kurudisha deni kwa wakati” anasema Hawa.

Kama una wasiwasi kuhusu kurejesha mkopo usikubali kuweka dhamana ya gari au nyumba. Pia imebainika asilimia 21 tu ya wakazi wajiji la dare s salaam na vitongoji vyake wana elimu ya usimamizi wa fedha huku asilimia 48 wana ufahamu wa kuweka akiba, hii ni kwa mujibu wa utafiti uliyofanywa na taasisi ya kifedha ya Finscope .

Kwa mujibu wa ofisa mmoja wa taasisi hiyo, Ally Goronya, karibu asilimia 80 ya wananchi wote jijini dar es salaam hawana ufahamu kuhusu maswala ya mkopo.

Utafiti unabahinisha, asilimia 54 ya wanawake wote jijini dare s salaam wanaochukua mkopo wengi wao wameishia kunyang’anywa dhamana wanazoweka ili kufidia fedha wanazokopa.

Kwa mfano, vyombo vya ndani, kama friji na mali nyinginezimekuwa zikichukuliwana taasisi za fedha kutokana na wakoaji kuwa na elimu duni ya kutunza fedha na kurudisha kwa wakati.

Utafiti huo ulifanyika mwaka 2009 na kubaini kuwa kutokuwa na elimu ya kutosha kuhusu fedha kumesababisha watanzania wengi kushindwa kufikia malengo ambayo wameweka kabla ya kuchukua mkopo.

Wateja wengi wanachukua mikopo wamekuwa wakidhulumiwa haki zao kwa sababu hawana elimu ya kutosha kuhusu fedha.

Mratibu wa wiki ya huduma za fedha, Godfrey Kivamba,anasema zaidi ya wajasiria mali 1600 walihudhuria na kupatiwa mafunzo, na jitihada zinafanyika kuhakikisha watu wengi wanapatiwa elimu.

Anasema lengo la mpango huo ni kutoa elimu kuhusumatumizi bora ya taasisi za fedha hasa suala la mkopo kwa kuwa wananchi wengi nchini hawana elimu ya kutosha, ukilinganisha na nchi kama Kenya, Uganda, Rwanda, na nyingine nyingi za Afrika.

Mafunzo yaliyotolewa na pamoja na kutambua jinsi ya kufungua kampuni, mikopo na biashara.

Chanzo: Mwananchi, oct 18 2012

LOW QUALITY EDUCATION FINANCE BANK WANAKOPAJI affects ...

October 10 to 13 this year, it was a week of kifedhana investment services, held in Dar es Salaam.

In this exhibition was not present for specific information showing the number of participants, but it seemed to have more players in the same week.

Possible number of participants existed due to the absence of admission, also given free by the same educational resources in the slums ujasiria over ages three plots.

"I know a lot about how I can get credit and how to manage my business in a manner that effectively itanipa permanent".

"I n widow, I have three children who cares and I have been nahangaika get a loan, nafuga chicken, which I think now I need a loan in order to promote my capital" says Muro.

He says there is a need for a week of financial services zikaendeshwa in other areas in order to help many Tanzanians who studies show that they do not have the skills to manage their money effectively.

LOW QUALITY EDUCATION IS THE SOURCE OF FINANCING KUTOREJESHA borrowers.

Muro says no enough knowledge about financial education, has led many people fail to pay a debt that banks kPa.

"I discovered on this week's money is that many institutions lending in have do not offer a good education loans, these institutions are doing so for the purpose of injustice, especially in the restoration and through the interest of the loan, but did not receive education, how he kavyoendesha business yakeau manage his money properly .. "

IMPORTANT THINGS BEFORE THE LOAN borrow ..

Reporting institutions Bogach Finance Co.Ltd provides that a borrower must have a definite reason to take the loan, before deciding to do so.

Bogach Finance Co. Ltd imekwa giving credit for who want to develop themselves intellectually, to pay the house rent, buy plots and financial services groups.

The company has identified that one of the secret existence of the positive effects a loan is to fulfill the purposes for which the applicant is that he has set before deciding to borrow.

Some borrowers have found that there are institutions that offer loans without specifying the type of interest charged on loans they want.

L Kariakoo market trader Jonathan Haule, who went on a week of financial services, said there have been zikifurahia bank borrowers have no credit education.

"I discovered after training, lack of financial education leads matatizomengi in life. For example, one can run interest of two percent per month, which when analyzed is equal to 24 percent per year and leave interest rates of 10 percent for mwakaambayo is cheap "

Says Haule.

Businessman, he has advised Tanzanians know the time of repayment of the loan, the terms of interest before the rush to borrow for as long as you pay back the loan term interest rate also becomes larger.

For example, sh5 million loan is charged interest of 24% per year if you want to be cut into three-year interest rate will be 964,000 but many people are not aware about it.

FAULT IS THE SECRET TO FINANCIAL INSTITUTIONS.

There have been complaints from some borrowers that some institutions have been zikiwatangaza people who borrow loans at these institutions which care company financial FinScope Survey warns that behavior.

FinScope Survey acknowledges that credit providers have been announced for the information of their clients and others kukiukasheria loans, the Bank of Tanzania (BOT Act2007).

Borrower information should be confidential between the receipt of a loan to his client for disclosing someone else is illegal.

CONSIDERATION TO WARRANTIES OF PRE-borrowing.

Analyst issues economics from Zanzibar, Eve Maljuni, says any borrower should think carefully about security, especially for loans to borrower wants to keep the house, car or business as collateral, before the loan.

"There are some people lost their car, house to keep in order to guarantee the loan. The fact is that you should keep your car or home only if you're sure that you have the greatest ability to return the debt on time "says Eve.

If you are concerned about restoring credit do not agree to guarantee a car or house. Also noted only 21 percent of the population of the city of dare s Salaam and its suburbs have knowledge of financial management while 48 percent have an understanding of savings, this is according to a study yofanywa financial institutions FinScope.

According to an official of the institute, Ally Goronya, nearly 80 percent of all citizens in Dar es Salaam do not have knowledge about credit issues.

Bahinisha study, 54 percent of all women in dare s salaam who take most credit cards have ended up stripped bond has established for to compensate for the money they borrowed.

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