Re: [wanabidii] Re: Is NBC an islamic bank?

Kiwasila,
Unapata tabu gani hata kutafuta kwenye mtandao ukaona namna hizo benki
zinavyofanya kazi au siku moja ukakutana nao ukauliza maswali hayo?
unadhani unazihurumia lakini wao NBC inawafaa sana na sasa ipo KCB na
ile ya Wazanzibar wachilia benki kamili kama Amana.
Wewe ni msomi hebu pekua kidogo wala si tabu kabisa kuliko hayo
maelezo marefu na chuki za Ngupula(Mwenyezi Mungu atulide naye).
Hakuna haja ya mifano ya visima na misikiti.
Lakini kumbuka wenzio sisi RIBA ni katika madhambi makubwa unataka
tuendelee kushindwa kukopa? Au na hili nalo ni Udini wa Kikwete.




Walewale.

On 7/13/13, Hildegarda Kiwasila <khildegarda@yahoo.co.uk> wrote:
>
> Wanayohaki kutoa mikopo bila riba. ila, kwa bank za mtu binafsi au za Nchi
> kama TZ bila riba ninaona itakuwa utata. Watu wakihamia kwao kwa vile hakuna
> Riba bank nyingine zitakosa wateja. nao watakuwa na mzigo mkubwa wa watu
> ambao baadhi yao ni vibaka. Anakopa, halipi ipasavyo halafu anayekuja
> kudaiwa mkopo na kuporwa mali eti ni yule mdhamini mpoaka tukaona ktk TV
> mama amepanda juu ya paa. wale wa kufirisi mali wamejaa ndani ya nyumba.
> Utafirisi wangapi?
>
> Kuna watu wana vichwa hewa. Katika mradi mmoja wa kuboresha miundo mbinu DSM
> walianzisha SACCOS kusaidia wafanya biashara ndogo ndogo. wadhamini wako ni
> kundi lako la watu 5 ambao ni wanachama wa SACCOS hiyo. Kweli marudisho
> yalikuwa mazuri sana sana kila jumamosi. biashara zao zikienda poa unaanzia
> 50 elfu mpaka unafika mamilioni. Lakini baadae kuna baadhi yao washiriki
> wakiwafanya wenzao wawe masikini kwa kulipa madeni yao na hapo ndio SACCOS
> inaishia. Kulikuwa na waliokopa, wakalewea hela au kununua vivalo,
> asimwambie partner wake. SACCOS inakuja kufirisi vitu, jamaa mama au baba
> anatoroka maana hawezi kuweka wazi kwa mke au mume kuwa alikopa maana hakuna
> alichofanyia. Anatoroka kimoja kuogopa aibu. Mke au mume anaachwa peke na
> familia. Kuna wale ambao hata akiporwa vitu haviuziki. Vigodoro vimerambuka,
> vichafu, visufuria hoi labda nguo avaazo kiasi sofa hana ni viti havitotoa
> hela yoyote. wale wadhamini huwajibika kulipa hiyo cash au wafirisiwe vyao
> pia. Leo wanalipa, kesho anatoroka mwanakikundi mwingine walie mdhamini.
> Impoverishment inakuwa kubwa hivyo ni sio SACCOS zote zinasaidia kutimiza
> malengo ya kuendeleza walio masikini ambao wanaishi bila malengo. Hata
> hivyo-baada ya kuboresha miundo mbinu ili wakae pasafi na kufanya biashara
> kwa usafi sokoni kwao na ktk viosk vyao-wameuza maeneo wamehamia kuchafu
> zaidi. Fika kwenye miradi hiyo kote DSM hadithi ndio hii. Wachache sana
> hufanya kweli inayotegemea. Mzunguko wa umasikini hautotutoka bila kuwa na
> malengo ya kweli na endelevu.
>
> Kuna mikopo mitaani watu hukopesha hela na riba ni kubwa sana. Kule kwetu
> wanaita 'Ligongola' na ni ligongo hasa. Unakopa leo laki unalipa baada ya
> siku 5 au kumi 130,000. Mpango wa UPATU kupokezana hela watu
> wanaoelewana-wafanya biashara, petty traders, maofisini kupeana hela kila
> jumamosi au mwisho wa mwezi-mwingine anasema ana dharura apewe yeye.
>
> Wengine akishakupokea yeye anatoroka/anajitoa na halipi tena kila siku
> anatoa sababu na kuunda chuki na wenzake. Hiyo ilikuwa informal credit
> association, ni rafiki yenu mnamfanyaje? Unataka huduma lakini hutaki
> kuwajibika.
>
> Desturi hizi ndizo zinazofaa kubadilishwa bongo. Unaona utata-huukubali.
> wengine ndio hao wafanyao biashara barabarani amechukua mkopo bank au
> SACCOS, biashara inaporwa-anapata wazimu. Duka linaungua-anachanganyikiwa.
> Lakini ukipita kesho palipoungua jana-wamejenga vile vile, njia za zamani
> zilizobaki zimezibwa upya na moto ukiwaka tena ni balaa zaidi. Ni train ya
> vyumba mbanano kilometa za eneo la biashara. Ni nyumba mbanano na maghorofa
> hewa na nafasi hakuna-tunaganga njaa. Unapowaka-hakuna njia; likifika greda
> kubomoa-mahakamani kesi miaka kadhaa, kwenda na mapanga kupambana.
>
> Hivi kitu gani kinawafanya wafanya biashara wa soko la mwenge pamoja na kuwa
> na umoja wao hawawezi kulijenga lile soko likawa la kisasa kwa kuchukua
> mkopo kutoka Islamic bank isiyo riba. Mvua ikinyesha inaharibu biashara zao,
> kunanyesha na wateja wanakimbia kunyeshewa, uchafu wa maozo ya maji ya
> kinyeshi hoteli na restaurant za maghorofa zimeunganisha sewer pipes zao
> mifereji ya wazi na pale kuna chamber ya sewer pipe inavuja daima.Wanapata
> faida, soko vitu bei ghali, lakini haniingii akilini-kwa nini wasilijenge
> soko la ghorofa pale wakawa na cold storage ya vifaa vyakula vyao na other
> perishable items zao. Watu wakaingia restaurant ghorofa ya juu akanunua
> matunda yakaoshwa akajichana  matunda mchanganyiko etc.? Sato anatoka cold
> storage facility anachomwa unajichana unajiendea zako. Mbona tumelala ndugu
> yangu?
>
>
>
>
>
> ________________________________
> From: alexander chipalazya <chipalazya@yahoo.com>
> To: "wanabidii@googlegroups.com" <wanabidii@googlegroups.com>
> Sent: Saturday, 13 July 2013, 8:28
> Subject: Re: [wanabidii] Re: Is NBC an islamic bank?
>
>
>
> Kama wanataka kusaidia waumini wao ni vema waanzishe taratibu kama za
> SACCOSS kwenye misikiti yao kuepusha maswali.
>
>
> ________________________________
> From: Hildegarda Kiwasila <khildegarda@yahoo.co.uk>
> To: "wanabidii@googlegroups.com" <wanabidii@googlegroups.com>
> Sent: Saturday, July 13, 2013 4:11 AM
> Subject: Re: [wanabidii] Re: Is NBC an islamic bank?
>
>
>
> Ni majuzi tu nilisoma gazetini tangazo la mradi fulani wa maji unaohisaniwa
> na tajiri fulani. Nikatoa comment ya kilichoelewa kama mfumo wa miradi yake
> hiyo kwamba-wananchi watapata maji bure hakuna gharama yoyote (hakuna
> kuchangia chochote). Nikauliza-vipi operation and maintenance (O&M)
> kwani-ukisha kukijenga na kitatumika kama ni kisima cha pampu ya diseli, ya
> umeme ya upepo, ya kusukuma kwa mkono, maji ya bomba O&M itakuwepo
> lazima-nani atatengeneza daima vinapoharibika? Ndio ile ya-'serikali
> haitujali, haiji kututengenezea kwani mhisani katupa bure!! etc. Sera ya
> maji ina mfumo wa jumuiya za watumia maji na miongozo ya utendaji kazi wa
> jumuia hizo na kamati za maji. Zilipozingatia-huwezi kuamini efficiency
> iliyopo ya hali ya juu, fedha na matengenezo, uwajibikaji. Pale walipotoa
> visima vya pampu bure kupitia mashirika ya dini yasiyotoza gharama (no riba
> au uchangiaji)-nenda ukaone visima hivyo vya pampu. Ninayo mapicha humu
> kibao sipendi kuchosha
> watu. Baadhi ya vingi ya visima vilivyojengwa kwa msaada wa ujenzi wa
> misikiti hii ya rangi moja inayofanana kuanzia Dar hadi Mbeya vipo katika
> matatizo-sasa vingi vipo wazi wanachota kwa ndoo pampu haiko na uchafuzi ni
> mwingi. Vinafanana na ile miradi yetu ya nyumba ya kutoka maji bure bila
> kuwajibisha watumia maji. Ni hivyo itakavyokuwa kukitangaza mikopo bila ya
> riba. Uarabuni wana mafuta na utajiri kutumia hela za mafuta hivyo kutoa
> huduma ya mikopo bank bila yariba huenda inawezekana kutokana na utajiri
> wao-wanatoa huduma kumcha Mungu.
> sasa bank ya bongoland ambapo kuna watumishi kibao wanaougua na kutaka
> huduma, wanaokaa hadi usiku kuhesabu hela na kuzipanga na kuweka takwimu
> vema-wanahitaji posho na usafiri kurudi home late, umeme kukatika na kuwasha
> generator ili mashine za bank zitoe hela na kazi isisimame etc haya
> yote ni gharama huwezi kuzifidia kwa kupandisha bei ya sabuni ya mbuni bali
> huenda kwa riba. Kama vile sera ya mtupa taka achangie gharama za uzoaji
> taka; mtumia majo achangie gharama ya O&M kwa kulipia maji kidogo sio
> kumchangisha mradi unapoharibisha (preventive maintenance muhimu-hela
> iwepo). Bank bila riba-itafirisika maana wengine hukopa-hufa, hakuna cha
> kuwafirisi hana mali alikunywia viroba, kaongeza wake; muda wa mkopo unaweza
> kuzuia wengine wasikope. huenda riba inasaidia utoaji huduma na mambo
> mengine bora iwepo tu lakini isiwe kubwa sana ya unyonyaji. Eti unakopa
> milioni 5 riba inakufanya ulipe milioni 8! haifai.
>
>
>  From: Enock Mlaponi <emlaponi@yahoo.com>
>
> To: "wanabidii@googlegroups.com" <wanabidii@googlegroups.com>
> Sent: Friday, 12 July 2013, 16:07
> Subject: Re: [wanabidii] Re: Is NBC an islamic bank?
>
>
>
> Bwana Ngupula kweli hilo hata mimi nimekuwa nikijiuliza sana na sasa
> nimeshaachachukuwa hatua za ujitoa NBC. Ndugu Yona nafikiri ungejibu swali
> lile la Ngupula ningekuona wa maana sana kuliko maelezo uliyotoa. Ngupula
> ameuliza hivi kama hakuna Riba "Mzigo wa gharama za uendeshaji account nani
> anaubeba???? la kama kuna watu wa NBC Humu kwenye jukwaa hili mtusaidie
> kujibu!
>
>
> ________________________________
> From: Yona Maro <oldmoshi@gmail.com>
> To: wanabidii <wanabidii@googlegroups.com>
> Sent: Friday, 12 July 2013, 15:55
> Subject: Re: [wanabidii] Re: Is NBC an islamic bank?
>
>
>
> Hiyo ni kati ya bidhaa zinazotolewa na benki hiyo , kama wewe hupenda bidhaa
> hiyo huwezi kutumia na kwa kweli wana bidhaa nyingi sana , ni sawa na
> unapoenda gengeni kuna machungwa , pili pili , mayai , ndizi na vingine
> vingi utachague vile unavyopenda kutumia tu .
>
> Hongera benki kwa kubuni bidhaa mbalimbali na kushindana katika soko la
> mabenki mpaka saa hizi .
>
>
>
> 2013/7/12 Wilson Gwoma <gwomason@yahoo.co.uk>
>
> kama imaamriwa kuanzisha Islamic Banking ndani ya taasisi  ya Kitaifa
> Ushauri wangu wale ambao  hwakubaliani na mfumo huo kama mimi ambaye pia
> nilikuwa na akAunti ya NBC nimeamua kuacha ife na kuhamia NMB na CRDB ili
> tuone wafanyakazi wao watalipwa kwa hela za kutoka wapi? Labda hapo Waarbu
> wanamkona wao.
>>
>>
>>From: john mahaba <mahabajo@yahoo.com>
>>To: "wanabidii@googlegroups.com" <wanabidii@googlegroups.com>
>>Sent: Friday, 12 July 2013, 14:55
>>Subject: Re: [wanabidii] Re: Is NBC an islamic bank?
>>
>>
>>
>>uongozi wa kisiasa tulionao ndo unafacilitate mifumo ya kibaguzi kama hii
>>uongozi shupavu hauwezi kuwagawa wananchi wake kiuupuuzi namana hii
>>wakiambiwa wanaleta udini wanaanza shutuma, kana kwamba watanzania
>>hatuna akili. ni oungozi upi katika historia ya nchi hii tuliwahi
>> kufikishwa hapa.
>>
>>
>>
>>
>>
>>From: Godfrey Ngupula <ngupula@yahoo.co.uk>
>>To: "wanabidii@googlegroups.com" <wanabidii@googlegroups.com>
>>Sent: Friday, July 12, 2013 2:47 PM
>>Subject: [wanabidii] Re: Is NBC an islamic bank?
>>
>>
>>
>>Kuna matangazo mengi sasa ya radioni yanayoonyesha kuwa kuna kitu
>> kinachoitwa Islamic Banking (account na ATM) katika Bank ya NBC.  Nafikiri
>> maana ya Islamic account na ATM ni mfumo ambao hauzingatii utozaji riba
>> kama imani ya kiislm inavyosema. Najiuliza maswali mengi,mfano,kama NBC
>> wanaona hilo la kutotoza riba linafaa,ni mtanzania gani asiyependa kupewa
>> huduma bure au kupata mikopo isiyo na riba?Na kama hilo linawezekana si
>> waondoe riba na tozo kwa watu wote.Na kama haliwezekani,je mzigo wa
>> gharama za uendeshaji account nani anaubeba?. Binafsi kwa uelewa wangu huo
>> mdogo sifurahishwi na kitu kama hicho ndani ya Bank ya kitaifa kama ya
>> NBC. Hizi taasisi zinazobeba watu wengi sidhani kama ni busara hata kidogo
>> kuanza kuweka vitu ambavyo mwisho wa siku vitaishia kutugawa tu wa
>> Tanzania. Nimeshawasikia si chini ya watu 10 ambao wamesema wanachukizwa
>> na jambo hilo na wako tayari kufunga account zao NBC. Tunaomba maoni kama
>> kuna mtu mwenye uelewa
> zaidi....na kama vipi tujue Bank hiyo ishaingiliwa na nini kifanyike.
> Godfrey Ngupula
>>
> --
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