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

Gikaro ko sahihi au la???? Mimi sio mchumi. Lakini kwa uelewa wangu kama fedha ziko kwenye simu basi wale mawakala kama hawakuzitunz amifukoni na wameziweka benki basi hazijaharibu kitu. Kama fedha ziko kwenye benki za magabacholi kama ulivyowaita bado ziko kwenye mfumo. Ninafikiri Rais aliposema alimaanisha fedha ambazo zimetunzwa majumbani. Za kwenye simy mimi naona ziko katika mfumo rasmi labda kama mawakala wa hizo simu wanazitunza majumbani. Nataka kufahamu.
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On Sat, 9/3/16, 'Gikaro Ryoba' via Wanabidii <wanabidii@googlegroups.com> wrote:

Subject: [wanabidii] DR MAKUFURI USIHANGAIKE KUTAFUTA PESA MAJUMBANI, PESA ZIKO HUKU…..
To: "Wanabidii" <wanabidii@googlegroups.com>, "Mabadilikotanzania" <mabadilikotanzania@googlegroups.com>
Date: Saturday, September 3, 2016, 12:25 PM


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.
 USHAURINamshauri
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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