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>
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?
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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.
To: "wanabidii@googlegroups.com" <wanabidii@googlegroups.com>
Sent: Friday, 12 July 2013, 16:07
Subject: Re: [wanabidii] Re: Is NBC an islamic bank?
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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