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>
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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