Hata tukisema ardhi yao ipimwe ili waweze kukopa, nina uhakika maeneo walipo wakulima wetu wengi soko la ardhi yao (market value) ni dogo kuwawezesha kupata mikopo itakayofaa kuanzisha kilimo chenye tija. Ukiwapa ela kidogo watakula na mwisho ardhi yao itabebwa na mabenki na hata hayo mabenki sijui kama yatapata wanunuzi haraka kiasi cha kurudisha fedha zao. Hakuna mwekezaji anayehitaji eka moja moja ya wakulima tena ambazo haziko eneo moja. Maana hatuwezi kuwalazimisha wakulima wote wakope, na hata wakikopa wote wapo watakaorudisha madeni na hivyo kubaki na ardhi yao. Well kupima ardhi ni hatua mojawapo lakini haitatosha kuwafanya wakulima wetu kupata mazao ya kutosha kuingia kwenye soko kubwa
Huu ni.moja ya ujumbe bora kabisa ambao.nimewahi kuusoma toka jukwaa hili. Pengine pamoja na umuhimu wa kilimo na nchi yetu kuwa na chuo kikuu cha sokoine ukosefu wa utumiaji elimu na ushirikishaji kwenye kilimo imekuwa shida sana.
Kwasasa watu wako tayari kujaza mitaji kwenye kuuza.magari badala kuamia kwenye kilimo. Ungetegemea watu wenye mitaji kuhamia.kwenye kilimo na kufanya kilimo kwenye ngazi ya juu na hili.suala.la.kutolua.na aridhi isiyopimwa au benki kushindwa kukadiria mapato ya muhitaji mtaji lisingekuwepo lakini kwa.mkulima.mdogo mwenye kashamba kasikoweza hata mlisha yeye mwenyewe itaendelea kuwa ngumu.
Siku za karibuni watu wameanza kununua mshamba ni.jambo zuri lakini tatizo.ninaloliona.ni kutopiga hatua katika final.product ya kilimo. Wengi wanafikiria jinsi watakavyozalisha nanasi.nyingi bagamoyo.na.kuzifikosha dar es salaam.sokoni hakuna.anaewaza jinsi ya kuongeza thamani kwa kuyakausha au kutengeneza juisi or any form ambayo itakuwa rahisi kuyaingiza katika soko la.kimataifa. Huo.ni.mfano.tu lakini inasikitisha baada ya miaka 50 tangu uhuru nchi yetu bado inazalisha raw products kwenye nyanja ya kilimo, tuna aja ya kujiangalia.kama taifa wapi tunakwama hata tatizo la.nguvu kazi kuhamia mijini lingeisha kirahisi sana.
Labda muda.muafaka kwa.wizara husika.na.kilimo.kuangalia.mambo.upya na.kuweka mazingira.mazuri ya uwezeshaji wa kilimo
On Aug 29, 2014 12:28 PM, "Abdalah Hamis" <hamisznz@gmail.com> wrote:----A TOTAL of 53 commercial banks are currently operating in Tanzania, the highest number in the East African region but agriculture sector remains under served in as far as loan disbursement is concerned.
Although considered as the backbone of the national economy, agriculture accounts for over 25 per cent of the national gross domestic product (GDP), over 27 per cent of exports earnings, and 80 per cent provider of jobs but banks are not yet convinced.
Various agro-economists and banking experts have come up with a range of answers to this paradox which Tanzania Bankers Association (TBA) believes agriculture is one of the riskiest sectors to lend money in the country.
According to TBA, although there is much potential in agriculture as a viable investment opportunity for banks and other money lending institutions, the sector also has a good number of inherent shortcomings that tend to put off many of the would be financiers from taking the leap.
Key to this, the association asserts, is the tendency of many farmers in the country to lean towards subsistence farming where the primary goal is to feed their own families and, by extension, their communities.
In other words, generating surplus production and subsequently enhanced incomes, which would have necessitated the use of banking services, is usually accorded low priority by producers.
In this regard, "Funding agriculture only makes sense if the financing is used for commercial purposes and not for subsistence or consumption", says TBA in an overview report on opportunities available in the agricultural sector.
The Economic and Social Research Foundation (ESRF) argues that high interest rates charged by financial institutions on agricultural loans are the basic reason why investors are shying away from the sector.
ESRF further notes that since land in rural areas is not surveyed at household level, farmers can't use it as collateral to secure bank loans. Further, available data shows that agricultural activities enjoy a mere 10 per cent of total loans disbursed by commercial banks operating in the country.
The report noted also that a meagre three per cent of agricultural households in the country have direct access to credit and other key financial services.
Furthermore, an independent analysis of the problem conducted by a local team of agro-finance experts concludes that all boils down to a lack of willingness on the part of local banks and microfinance institutions (MFIs) to extend their services to the sector.
The experts' comprehensive study report asserts that there is indeed ample capacity amongst the many types of lending institutions in the country to avail more funding to agriculture, if only they could be persuaded to do so.
The study, known as the Agricultural Finance Markets Scoping (AgFiMS), was done under the auspices of the Financial Sector Deepening Trust (FSDT), which appointed local consultancy firm AYANI to conduct field work on the supply of financial services to the agricultural sector, and Synovate (now IPSOS) on the demand side survey.
FSDT was incorporated in Tanzania on July 1st, 2004 with an overall aim to develop a deeper financial system that can provide greater access to finance to more Tanzanians.
The study applied several methodologies including surveys in the form of interactions and one-on-one interviews with various agrifinance service providers for the supply side and structured interviews with the producers, processors and service providers for the demand side.
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