Kilasara,
correction: hakuna mfanyakazi anaingia kwenye mifuko ya jamii kwa hiari, ni lazima kwa mujibu wa sheria. Sema kuwa unaweza kuchangua mfuko upi wewe uwe mwanachama. Hii ni baada ya kuanzishwa kwa SSRA. SSRA ndo inasimia hii mifuko kwa sheria inaitwa: THE SOCIAL SECURITY (REGULATORY AUTHORITY) ACT, 2008,
Niliona ni vema wote tukaelewa athari za hii sheria tukiwa tunaelewana na tunazungumza kitu kile kile.
asante,
LR
Date: Tue, 24 Jul 2012 11:51:25 +0300
Subject: Re: [wanabidii] UFAFANUZI KUHUS FAO LA KUJITOA KATIKA MAREKEBISHO YA SHERIA ZA MIFUKO YA HIFADHI YA JAMII
From: kilasara.fratern@gmail.com
To: wanabidii@googlegroups.com
Mifuko hii tumeingia kwa hiari ama kwa utaratibu tulioukuta kwenye maeneo yetu ya kazi, na kila mtu alichochangia ni haki yake. Basi apewe nafasi ya kukitumia atakavyo pale anapoona anapenda kufanya hivyo. Kama wadau, mifuko hii haiwezi kutupangia lini tuchukue au tusichukue; ila wanachotakiwa kufanya, ni kuweka utaratibu na "flexibility" iwepo pale mchangiaji anapotaka kuchukua kiasi cha malimbikizo yake kwa ajili ya kuanzisha mradi endelevu ambao utamsaidia sasa na baadaye kwenye maisha ya uzeeni.
Mzee wa miaka 50 ukimpa mafao yake hata kama ni milioni mia mbili, sio kumjenga ni sawa na kumuua. What do yo think? Ukimchukua mtu anayekaribia kufa njaa pale Somali, vuuu, ukamleta kwenye masufuria ya njama, wali, matunda, nk, nk, kwenye hoteli yoyote nzuri? Hutakuwa umemsaidia bali utakuwa umemuua maana, kwa njaa alioyokuwa nayo atakula hadi atosheke, na kutosheka kwake ni kuvimbiwa na kufa; asipopigwa bomba, ndio kwa heri. Hali kadhalika na utaratibu uliopo kwenye mifuko ya hifadhi ya jamii, hawafanyi tofauti, na mfano huu.
Unapompa mtu mamilioni ya fedha ambaye hajawahi kuandaliwa na hana ujuzi wowote ule wa kibiashara, unategemea nini? Ipo haja, mifuko hii iwafundishe wateja wao mbinu za biashara - anzia kwenye biashara za kawaida, hadi kwenye kununua hisa na kwa wenzetu wanauchumi watakubaliana nami kuwa, utaratibu kama huu ukitumia, mifuko hii inaweza kuwekaza fedha za wanachama wake si tu kwa miradi ya muda mrefu bali hata kwenye miradi ya muda mfupi mfano kununua na kuuza hiza kwenye makampuni mbalimbali, na faida itakayopatikana wakapewe wanachama kama gawiwo, wakafaidi sasa wakati hawajachoka, kuliko kusubiria muda huo ambao hata hamu ya kuishi nayo inaelekea alasiri kama sio usiku.
e k
2012/7/24 James Malima <james.malima@gmail.com>
Huyu Yona si wa kumpuuza tu, ni wa kumtahadharisha kama tunavyofanya hapa. Huwa nakuwa makini sana kuweka mchango wowote hasa pale suala linalojadiliwa linagusa moja kwa moja hisia za watu. Tunatofautiana ktk kubeba matatizo tunayokumbana nayo. Hivi Yona, huwezi kuogopa pale unapoona mtu anafikia hatua ya kusema atakwenda ghorofani NSSF na kujirusha, afe, bado mtu wa namna hiyo unamkejeli? Kwa lipi hasa linalokufurahisha? Shauri yako, ila kweli unajifanya unajua kila kitu, very soon hizo kauli zako zitakutokea puani. Kwa hili, leo na mimi nimeamini maamuzi au mawazo yako mengi hayatokani na fikra zako, bali unalazimika kufanya hivyo sababu ya kufurahisha kundi fulani la watu.Kusemwa vibaya na kila mtu si ujasiri, ni ujinga ndugu yangu, na unatakiwa kujiuliza mwenyewe, kwa nini uwe hivyo? Shauri zako, ila katika hili linalohusu pesa za watu, nakushauri UFUNGE mdomo wako. By the way, wewe unachangia kiasi gani?
--2012/7/24 Selemani Rehani <srehani@hotmail.com>
Denis,
Huyo ndio Yona. Mjuaji wa kila kitu. Ni kweli kuwa inashangaza sana kuwa hajui suala hili ni kwa mujibu wa sheria na si mwajiri wala mwajiriwa mwenye hiari juu ya hilo. Mwajiri kisheria analazimika kuchangia asilimia 10 (10%) na mwajiriwa anachangia asilimia 10 (10%). Yona hili hajui, anaropoka tu. Ila jamani nataka kuwaambia hivi, hii ndio Tanzania tuliyonayo, na watu kama kina Yona wapo wengi kweli. Sasa muone ugumu wa kuikomboa nchi hii. Iwapo una mawzo na reasoning kama ya watu kama hawa. Wana reason za ajabu ajabu kweli. Tunayo changamoto kubwa sana ya kuwafanya watu waweze kufikikiri na kutafakari. Ila nakubaliana na wachangiaji wengine, huyu Yona ni wa kupuuza tu.
Selemani
Date: Tue, 24 Jul 2012 09:54:46 +0300From: denis.matanda@gmail.com
Subject: Re: [wanabidii] UFAFANUZI KUHUS FAO LA KUJITOA KATIKA MAREKEBISHO YA SHERIA ZA MIFUKO YA HIFADHI YA JAMII
To: wanabidii@googlegroups.com
Gimme a break , Yona!Unajua bila ya kujali una malengo gani ndugu yangu haya unayoyaandika hapa ndiyo ambayo watu wanaona kuwa yanaakisi uwezo wako wa kufikiri. Hivi unawezaje kufikiri let alone kutamka hadharani kuwa "eti kujiunga na mifuko ya hifadhi ya jamaii ni hiari"?Mtu yeyote anieleimishe, mtu anawezaje ku-reason namna hii?2012/7/24 Yona Maro <oldmoshi@gmail.com>
Hukulazimishwa kujiunga na NSSF na Mifuko mwingine ni wewe mwenyewe kwa hiari yako umejiunga na nilazima ukubaliane na masharti yao hata pale yanapobadilika kutokana na wakati .
2012/7/24 lucas haule <kisacha2003@yahoo.com>
Mimi pesa yangu wanipe kwakweli, uzoefu niliouona kwa wastaafu wakipigwa na kuvuliwa nguo, siwezi kuukabili. NSSF naomba pesa yangu, hamkuniuliza kuhusu sheria yenu ya kikatili!!
--- On Mon, 7/23/12, ezekielmassanja@gmail.com <ezekielmassanja@gmail.com> wrote:
From: ezekielmassanja@gmail.com <ezekielmassanja@gmail.com>To: wanabidii@googlegroups.com
Subject: Re: [wanabidii] UFAFANUZI KUHUS FAO LA KUJITOA KATIKA MAREKEBISHO YA SHERIA ZA MIFUKO YA HIFADHI YA JAMII
Date: Monday, July 23, 2012, 11:11 PM
Ndugu Wanabidii
Naungana na wote wanaopinga mpango huu wa kulazimisha mtu kusubiri mpaka akizeeka ndipo alipwe pesa zake. Ingabaki ilivyokuwa kwamba tuwe na uhuru wa kuchagua.
Sababu ni nyingi, kwa mfano:
1.Makadirio ya umri wa kuishi wa Mtanzania, nadhani bado ni miaka 45, sasa 55 inafikiwaje?
2. Nikianza kuchangia nikiwa na miaka 40 na kufanya kazi ya mkataba kwa miaka 3 inabidi nisubiri miaka 7 ndipo nilipwe. Nikianza kulipwa wataniambia kwamba sijachangia kwa miaka 15 kwa hiyo siwezi kupewa pensheni kwa maana ya mkupuo na malipo ya kila mwezi. Sasa hapo haki iko wapi?
3. Pesa za michango zinatumiwa vibaya kwa maslahi ya wasio wanachama, angalia miradi isiyo na maslahi kwa wanachama kama ya ujenzi wa UDOM, daraja la kigamboni na mingine mingi ambayo urejeshwaji wa pesa zilizotumika ni wa mashaka tu.
4. Wanachama hawana kauli yoyote na pesa hizo badala yake mtu mmoja anateuliwa ndiye anaweza kufanya chochote na pesa hizo badala ya wanachama. Basi hata bodi za mashirika hayo zingekuwa na robo tatu ya wajumbe kutoka wanachama.
5. Inflation haiko kwenye vigezo vyote vya mafao, kwa hiyo pesa zikikaa huko kwa miaka 15 hadi 20 pesa unazopata ni kama 1/3 ya pesa ulizochangia.
6. Hiyo commission ya udhibiti itaendeshwa kwa pesa hizo hizo za wanachama.
Kama kweli watang'ang'ania kuendelea na uamuzi huu basi wananchi inabidi tufanye kitu kuzuia ubabe huu.
NawasilishaSent from my BlackBerry® smartphone from Vodacom
From: Fatima Husenali <husenalif@gmail.com>Sender: wanabidii@googlegroups.comDate: Tue, 24 Jul 2012 08:46:09 +0300ReplyTo: wanabidii@googlegroups.comSubject: Re: [wanabidii] UFAFANUZI KUHUS FAO LA KUJITOA KATIKA MAREKEBISHO YA SHERIA ZA MIFUKO YA HIFADHI YA JAMIIFikiria umechangia kwa miaka 10 baada tu ya kumaliza chuo ukiwa na miaka 24 baadae ukaamua kuacha kazi ili ufanye kazi zako zingine, je ni akili kweli kusubiri pesa yako miaka 26 baadae. Huu ni uporaji wa mchana. Ni muhimu watu tufanye utafiti wa kutosha juu ya ufanisi wa mifuko hii katika nchi zingine na kulinganisha na hali halisi ya maisha na mfumo wa jamii ya Kitanzania. Vinginevyo copy and paste itatuletea majanga mengi siku za usoni.
2012/7/23 <flyimo@yahoo.com>
Kwa kweli kwa hili tusimame pamoja kupinga kwa nguvu. Hivi nikiamua kutoka mfumo rasmi nikiwa na tender age, labda miaka 40, je ni sawa kuwa nisubiri miaka 15 bila kuendelea kuchangia ndipo niweze kupata kilicho changu? Haiingii akilini kabisa. Kwa kweli tupinge kwa nguvu huu udhalimu dhidi ya binadamu. Nasikia wana justify huu ukaburu kwa kusema watakopesha wanachama pesa za ujenzi wa nyumba! Je kama ninayo au ninazo tayari na sihitaji zaidi inakuwaje? Mwenye taarifa zaidi juu ya mfumo wa hii mikopo atujuze tafadhali.Sent from my BlackBerry® smartphone from Vodacom
From: John George <georgejn2000@gmail.com>Sender: wanabidii@googlegroups.comDate: Mon, 23 Jul 2012 08:14:00 +0300ReplyTo: wanabidii@googlegroups.comSubject: Re: [wanabidii] UFAFANUZI KUHUS FAO LA KUJITOA KATIKA MAREKEBISHO YA SHERIA ZA MIFUKO YA HIFADHI YA JAMIIJe kuna namna yeyote ya kudai sheria hii ibadilishwe? Inakuwaje wafanyakazi wenyewe hawajui. Je walishirikishwa kiasi gani katika hilo maana pesa ya ya kwao wameichangia. Hakuna riba baada ya miaka yoote mtu anapofanya kazi na kuchangia.Tunajua Social security kwa nchi kama hii ni tataizo na inatikona na kwamba ukichanga millioni 30 after 30 years utapata hizohizo nazo zitakuwa sawa na millioni mbili au elfu thelathini wakati huo2012/7/22 RAMADHANI Selemani <ramson34@gmail.com>
Mambo mengine ni ya ajabu sana...life span ya mtanzania ni kama miaka 47 hivi kwasasa, ukisema mtu aende akachukue mafao yake baada ya miaka 55-60, je utakwenda mzimu wake!!!???nchi hii sometimes ina maamuzi ya ki bogus sana.ktk hili hatuhitaji phd kujua kwamba huu ni ujinga..Dar-es-SalaamOn Jul 21, 2012 1:20 PM, "Yona Maro" <oldmoshi@gmail.com> wrote:S.L.P 1081
Makamu wa Rais, Corporate AffairsBarrick Gold
UFAFANUZI KUHUS FAO LA KUJITOA KATIKA MAREKEBISHO YA SHERIA ZA MIFUKO YA HIFADHI YA JAMII.
Ufuatao ni ufafanuzi mfupi kuhusu marekebisho ya Sheria za Mifuko hasa kuhusu fao la kujitoa.
1. Kama mtakumbuka Sheria za Mifuko ya Hifadhi ya Jamii pamoja na Sheria ya Mamlaka zimefanyiwa marekebisho na kupitishwa na Bunge tarehe 13 Aprili, 2012. Sheria hiyo tayari imeshasaininiwa na Mheshimiwa Rais na imeanza kutumika rasmi. Marekebisho haya yanawahusu wafanyakazi wote nchini mwetu bila kubagua sekta yoyote ile.
2. Kwa mujibu wa marekebisho hayo fao la kujitoa (withdrawal benefits) yamefutwa na kuanzia sasa hayatakuwepo. Mafao hayo yalikuwa yanatolewa pale mwanachama alipokuwa anaacha kazi. Sasa mwanachama wa Mfuko atapata mafao yake pale atakopfikisha umri wa kustaafu kwa hiari (miaka 55) au kwa lazima (miaka 60) au pale anapopata ulemavu wa kudumu.
3. Kwa kuzuia fao la kujitoa mwanachama anapata fursa ya kupata mikopo ya nyumba kwa kutumia dhamana ya michango yake kama ilivyoelezwa kwenye Sheria ya SSRA kipengele cha 38.
4. Marekebisho hayo kuhusu kuzuia mafao ya kujitoa yamefanyika ili kutimiza lengo na madhumuni ya hifadhi ya jamii ambayo ni kuhakikisha kuwa mwanachama anapostaafu anapata mafao bora yatakayomwezesha kumudu maisha ya uzeeni wakati ambapo nguvu ya kufanya kazi tayari imeshamwishia. Mafao ya kujitoa yanapunguza na hata kuondoa kabisa kinga ya mfanyakazi pale anapoumia kazini au anapofika uzeeni.
5. Tunawaomba muwaelimishe wafanyakazi umuhimu na madhumuni ya mafao ya hifadhi ya jamii. Hifadhi ya jamii ni nyenzo mahususi iliyowekwa kuwasaidia
1
wafanyakazi kuendesha maisha yao wakati wanapokuwa wameishastaafu tayari. Umasikini wa kipato wakati wa uzee ni mojawapo ya changamoto ngumu kukabiliana nazo kwa mtu mmoja mmoja na taifa kwa ujumla. Tunawasihi tena muelimishe wafanyakazi kuhusu jambo hili. Tafadhali msisite kuwasiliana na Mamlaka pale ufafanuzi zaidi utakapohitajika
6. Kwa kuwa marekebisho hayo yamesainiwa na kuanza kutumika rasmi kama sheria, mafao ya kujitoa hayawezi kutolewa tena na wafanyakazi watakaoacha kazi kwa sababu ya marekebisho ya kipengele hicho watakuwa hawajaijitendea haki wao wenyewe na pia itakuwa ni kunyume cha Sheria. Mamlaka inaandaa kanuni za mafao ambayo lengo lake ni kuboresha maslahi ya wanachama, kanuni hizo zitajadiliwa na wadau wakiwemo vyama vya wafanyakazi na waajiri ili kupata maoni yao.
7. Tafadhali muwaelimishe wafanyakazi kwamba pamoja na kuzuia fao la kujitoa, mafao mengine ambayo ni muhimu kwa sekta ya Madini yataendelea kutolewa kama kawaida. Mafao hayo ni Kama vile kuumia kazini pamoja na fao la ulemavu
8. Tumesikia kwamba tayari kuna hofu imejijenga kwa wanachama kuhusiana na fao la kujitoa. Ikumbukwe kwamba baadhi ya Mifuko ilikuwa inatoa fao hilo kinyume cha Sheria kwani katika Sheria zao hakuna fao la kujitoa. Tunapenda kusisitiza kwamba wanachama wawe watulivu wakisubiri miongozo.
9. Tunapenda kuwahakikishia kwamba katika hili maslahi ya wanachama yatalindwa na hakuna mwanachama atakayepunjika kutokana na utaratibu huo. Mamlaka imepanga kutembelea wafanyakazi wa sekta ya madini katika juma la kwanza la mwezi Agosti 2012 ili kutoa ufafanuzi zaidi kwa wanachama wote.
Tunatanguliza shukrani za dhati kwa ushirikiano.
Wenu.
Mamlaka ya Usimamizi na Udhibiti wa Hifadhi ya Jamii
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WasalaamDenis Matanda,Mine Supt,Nzega - Tanzania." Low aim, not failure, is a crime"
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James Joseph Malima
E-mail: James.Malima@gmail.com
Phone: +255 754 845 613 - Mobile
"If you fail to plan,..... you're planning to fail"
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Fratern Kilasara,
P. O. Box - (Home): 62810; or (Office): 65300
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Emails: kilasara.fratern@gmail.com or kilasara.fratern@yahoo.com
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