Saturday 3 September 2016

RE: [wanabidii] DR MAKUFURI USIHANGAIKE KUTAFUTA PESA MAJUMBANI, PESA ZIKO HUKU…..

Halafu siamini kuwa sheria za BoT za kuanzisha mabenki ni laini kiasi hicho. Na kwa utaratibu wa BoT nadhani kila benki ina limit ya cash inayopaswa kuwa nayo kwa siku na nyingine lazima ziwasilishwe BoT.... Lakini kitu kingine cha kuangalia hapa ni hiki: kama kweli kuna watu binafsi wameficha hard cash au wanasafirisha cash hiyo kwenda nje, iweje vyombo vyetu vya usalama visilijue hilo na kuwapeleka mbele ya sheria? Si kuna sehemu ya Usalama wa Taifa inayoshughulikia masuala hayo? Kama siyo, kazi yake ni nini basi? Ni kukamata Tshirts za UKUTA tu?


Subject: Re: [wanabidii] DR MAKUFURI USIHANGAIKE KUTAFUTA PESA MAJUMBANI, PESA ZIKO HUKU…..
From: wanabidii@googlegroups.com
Date: Sat, 3 Sep 2016 13:00:34 +0300
To: wanabidii@googlegroups.com

Utaratibu wa kuweka Pesa ktk simu unaendeshwa kati ya kampuni za simu na Mabenki
Kwa kifupi ni kuwa kila unapoweka fedha ktk simu ni lazima wakala azipeleke ktk akaunti za Kampuni za simu zilizopo ktk mabenki
Kwa hivyo fedha zetu ktk simu zipo ktk Mizunguko ya Kiuchumi, hakuna maficho huko 

Sent from my iPad

On 3 Sep 2016, at 12:42 PM, Edgar Mbegu <embegu@hotmail.com> wrote:

Halafu, naomba nielimishwe, MPESA etc. hazina ukomo wa kiasi cha fedha unazoweza kuhifadhi humo?


From: emmbaga@hotmail.com
To: wanabidii@googlegroups.com; mabadilikotanzania@googlegroups.com
Subject: Re: [wanabidii] DR MAKUFURI USIHANGAIKE KUTAFUTA PESA MAJUMBANI, PESA ZIKO HUKU…..
Date: Sat, 3 Sep 2016 09:38:59 +0000

Simu yako. inahifadhi. makaratasi. ya noti?  anacho tafuta. ni. noti  ambazo. haziwezi kaa ktk simu. na kama zingekuwapo guko. m pesa. kama unavyodai. zingeonekana 

Ernest



Sent from my Samsung device


-------- Original message --------
From: 'Gikaro Ryoba' via Wanabidii <wanabidii@googlegroups.com>
Date: 09-03-2016 12:33 PM (GMT+03:00)
To: Wanabidii <wanabidii@googlegroups.com>, Mabadilikotanzania <mabadilikotanzania@googlegroups.com>
Subject: [wanabidii] DR MAKUFURI USIHANGAIKE KUTAFUTA PESA MAJUMBANI, PESA ZIKO HUKU…..


Juzi Dr John Pombe Makufuri alitishia kubadilisha noti endapo WACHOCHEZI walioficha fedha majumbani wataendelea kushikilia hizo fedha pasipo kuzitoa na kuziingiza kwenye mzunguko rasmi wa fedha. Maskini Dr Makufuri, kumbe alidanganywa! Pesa hazipo majumbani ndugu zangu, pesa ziko "locked" kwenye simu za watu. Kwa mfano, kiasi cha pesa nilichohifadhi kwenye akaunti za MPESA, tiGO PESA, Aitel Money na EZY pesa ni mara 10 ya pesa zilizomo kwenye akaunti zangu za benki. Hii maana yake ni kwamba NIMEFICHA fedha nyingi sana kwenye simu badala ya kuzihifadhi benki ili ziingizwe kwenye mzunguko.
 
Hii imetokea hasa baada ya mabenki kupandisha gharama za uendeshaji wa akaunti za wateja na kuongeza tozo za ajabu ajabu kwa wateja wao. Nikihifadhi fedha kwenye akaunti yangu ya MPESA sihitaji kulipia monthly charges kama ilivyo kwa mabenki. Kutazama salio la MPESA nalipa Tsh 50 tu ukilinganisha na Tsh 500 ninazolipishwa na benki kuangalia salio.
 
Nitafafanua kidogo kwa wale VILAZA wasiojua hesabu. Chukulia umehifadhi Tsh 20,000 benki na ukaziacha HUKO HUKO kwa miezi 5. Service charge kwa mwezi ni Tsh 5500. Na ndani ya muda huo assume umetazama salio mara 5. Kwa hiyo, total charges kwa miezi 5 ni Tsh (5500x5) + (500x5) = 27500+2500 = Tsh 30,000. Baada ya miezi 5, salio lako la fedha litakuwa Tsh 20,000-30,000= -10,000 Tsh. Therefore, ukienda kuchukua fedha baada ya miezi 5, utakuta unadaiwa Tsh 10,000 zaidi na benki. Hii inamaanisha kuwa pesa utakazokuwa umehifadhi huko benki zitakuwa zimekatwa hadi zimeisha na utakuwa unadaiwa Tsh 10,000 za ziada ili akaunti yako iweze kuendelea kuwa hai.
 
Sasa tuje kwa MPESA. Service charge kwa mwezi ni Tsh 0.00 na umetazama salio mara 5, ambapo utatozwa Tsh 50x5 = 500. Salio litakuwa Tsh 20,000-500= 19,500. Umeona eeh? Kuhifadhi fedha benki ni ghali kuliko kuhifadhi pesa kwenye simu. Ndio maana watu wameamua KUFICHA fedha kwenye simu zao badala ya kuziweka benki.
 
FICHO lingine la fedha ni huu utitiri wa benki UCHWARA zinazomilikiwa na gabacholi hapa nchini. Gabacholi wanamiliki benki nyingi sana ambazo huzitumia kutorosha fedha kwenda nchini kwao. Inasikitish kuona kwamba BoT wamekuwa na sheria laini mno za kuanzisha mabenki hivyo kupelekea gabacholi kuvuruga uchumi wetu kwa kutorosha viroba vya noti, hasa fedha za kigeni, kwenda nje ya nchi kila siku pasipo kuchukuliwa hatua wala kufuatiliwa.
 
Nawashangaa sana wachumi wetu kushindwa kumshauri vizuri Dr Makufuri kuhusu mahali pesa zilipo badala ya kumdanganya kwamba fedha zimefichwa majumbani kwenye michago. Sina uhakika kama kweli wameshindwa kufanya hivyo. Huenda Dr Makufuri ndiye hafuati ushauri wao.
 
USHAURI
Namshauri Dr Makufuri afute huduma zote za kuhifadhi na kuasafirisha fedha kwa njia ya simu ili watu wote walioficha fedha kwenye simu (nikiwemo mimi) wazitoe na kuziingiza kwenye mzunguko rasmi wa fedha. Aidha, namshauri Mh Dr Makufuri afute mabeni yote yanayomilikiwa na gabacholi na fedha zote zilizomo zitaifishwe na serikali na kuingizwa kwenye mzunguko wa fedha. Lazima Rais akubali kuchukua uamuzi mgumu ili kunusuru uchumi wetu. Vinginevyo, watu wataendelea kufanya KAZI TU pasipo kulipwa kwa sababu ya ukosefu wa fedha, jambo ambalo litawavunja moyo wa kuitumikia nchi yao kwa bidii.
…………………..

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