leo nimeshuhudia adha ya mabenki ambapo foleni ni za kufa mtu, hasa ukizingatia kwamba wanaotaka kuweka na kutoa wote wako katika foleni moja na kaunta kuna wahudumu wawili tu na madirisha mengine tisa hivi hayana wahudumu.baada ya kupokea cheki ya pesa kiduchu ambazo nilizihitaji kwa haraka, nilijimwaga kwenye benki ya nbc tawi wanaloliita 'corporate' barabara ya sokoine drive kiasi cha saa 7 unusu hivi. niliondoka saa kumi na robo! miguu yote ilikuwa inaniuma...
wadau, kifanyike nini ili kuondokana na adha hii kwenye mabenki yetu. maana ndani ni shida na nje kwenye atm ni balaa. pesa yako mwenyewe inabidi uisotee la sivyo utalala na njaa..
-michuzi
Ulaya Atm kibao mabenki ya kumwaga lakini accountini hamna kitu... kulala njaa kawaida tuu
ReplyDeleteMuhimu ni kwaserikali kuwa makini ktk haya mabenk yanayo anzishwa.Kuwepo na sheria zinazowabana,bank zinaitaji ziwe na Miundo Mbinu ya kutosha.Atm mashine(mashine za kutoa Pesa)+Mashine za kudeposit Pesa) Mtu anaishi Mbezi au Mbagala akitaka kutoa au kuweka Pesa lazima aende Posta Mpya.Hii nini sasa???????? Pia Bank ziwe na matawi hadi uswahili siyo zote zinajazana POSTA MPYA....PLease Serikali yetu Hiache Kulala!
ReplyDeleteFungua A/c. Barclays au Stan.chart.nafikiri wana hata huduma za ATMs-sina uhakika.
ReplyDeleteMisupu,
ReplyDeleteHivi uko siriasi na hili swali au unataka kuleta chokochoko tu?
Eniwei, ngoja nikuulize ka swali tu juu ya hili swali lako: ni vingapi Bongo vinaenda kwenye mwendo wa barabara tambarare?
Mantiki yangu ni hii: watu wengi wanadhani tatizo kubwa Bongo ni ukosefu wa fweza, lakini hilo silo tatizo.
Tatizo kubwa ni mtazamo mfupi. ATCL, Reli, n.k. ni mfano tu. "Attitude" au "mentality" ya Wabongo wengi - hasa kwenye siasa na biashara - si endelevu (progressive).
Kwa hiyo nini kifanyike? Tubadilishe mentality/attitude. Badilisha attitude - hasa ile ya "chochote kinafaa" badala yake tuanze attitude ya "kilicho bora ndio kinafaa".
Lakini maadam Benki zinafanya makamuzi (extremely profitable) hata kwa huduma mbovu, itabidi sijui utumie makombora kuwabadilisha mtazamo?
Misupu,
ReplyDeleteMtafute mshikaji wako John Mashaka (yule Investment Banker) akupe ushauri basi?
Kwa kweli hii ni kero kubwa, uwezi kuamini pesa yako mwenyewe uliyo itafuta kwa shida hata kihifadhi kwake ikuletea matatizo, nakumbuka mara ya mwisho nilikaa NCB masaa 5 kwa kujaribu kutoa shilingi laki 6 kutoka katika tawi la Arusha, waliniambia wanatuma fax katika tawi langu la Dodoma ambalo inichukua masaa matatu na nusu kisha unikatakiwa tena kurudi katika foleni kwa lisaa na nusu.
ReplyDeleteBado wafanyakazi wenyewe hawana work ethics wanahudumia wateja kana kwamba zile pesa ni zao na unakwenda kuziomba toka kwao.
Kwa kweli sisi watanzania bado tuna safari ndefu sana kufika kule tunapokwenda. Tuna huduma mbaya sana zinazotolewa na costumer services wetu ambao wengi wao wanajisahau kama wako kazini na kutaka wanyenyekewe kana kwamba wewe mteja ndio mwenye shida, badala ya kumchukulia mteja kama mfalme.
Bongo Tambarare!!!!!!!!!!!
ReplyDeletebut i think Tunahitaji system ya kutumia Card ya Bank kwa shopping may be ndo foleni itapungua cos everything Tanzania kinaenda kwa cash na cash zenyewe ziko wapi Bank thats why everybody anakua Bank anataka hela na foleni ndo inapoanzia ,but ingekua shopping na everything vinatumia bank card foleni ingepungua cos u dont need to carry money kwenda buchani or sokoni or anywhere.
Pole sana Misupu kwa karaha ambayo umekumbana nayo kwenye mabenki yetu. Kweli hapa Tanzania bado tuna matatizo mengi sana. Karibu kwa kila sekta ni matatizo hasa ya kiuwajibikaji. Kama hiyo foleni yote wahudumu wawili tu kwenye teller za Bank kubwa kama NBC inaonyesha kukosa commitment na uchungu wa kazi. Watu walishachoka kufanya kazi tangu level ya Managing Director mpaka mfagiaji. Kila mmoja anasubiri tu mwisho wa mwezi apate chake basi. Kwamba nini amefanya kwa mwezi mzima it is non of his/her business. Hii ndiyo maana tutazidi kurudi nyuma kimaendelea wakati wenzetu wanazidi kusonga mbele. Hiyo ni benki ukienda ofisi kama wizara ya Elimu ndiyo unakoma mwenyewe. Walimu hupanga foleni ya huduma mpaka wengine wanafia kwenye foleni. Njoo kesho njoo kesho wakati mtu ametoka Kigoma kuja DSM kufuatilia haki zake au masuala yake ya kikazi. Labda tutageuka pale utawala wa kidictetor utakapokuja Tanzania na kuhimiza uwajibikaji katika sekta za umma. Mjerumani alikuwa anatandika viboko tukamwona mbaya lakini mababu zetu waliweza kujenga reli ya DSM mpaka Kigoma kwa muda mfupi. Leo tuko huru ndiyo maana ya uhuru huo. Kinachofuata baada ya mtu kuchoka foleni ni kufanya mpango apatiwe huduma mapema kuliko wenzie waliofika mapema ambayo ndiyo rushwa yenyewe. Kwa mtaji huo tutapigia kelele rushwa mpaka mwisho wa dunia.
ReplyDeleteMichuzi, bongo tambarale.
Mdau wa Oslo
Introduce/encourage internet and telephone banking. Na kuwe na ATM nyingi ambako wateja wataweza kudeposit na kuwithdraw hela kwa masaa 24 siku 7- hili likifanyika, wateja wa transactions za chini ya laki moja wasiruhusiwe kutumia counter services! Simple,innit?
ReplyDeleteHii kasheshe ni mabenki yote au benki zote za kizalendo tu?
ReplyDeletekama mabanki ya kigeni ya ka uhafueni labda tuweke hela zetu kule then hawa jamaa wataoni umuhimu wa customer competition watatatua hili tatizo.
Katika huo msululu wengine wameingia kudeposit hela so the only solution I can think of ni banks waweke ATMs ambazo zinaruhusu mteja kudeposit hela.Na pia banks zimruhusu mteja kujiwekea desirable limit of cash that can be withdrawn from the ATM per day na sio ile ya kiasi fulani for everyone...watu wanamatumizi tofauti kuna mwingine spending yake ni kubwa than the set limitation.
ReplyDeleteATM + Online Banking. Mie natumia sana online bank na ATM. Sikumbuki ni lini nilienda bank.
ReplyDeleteHaya maswali wanapaswa kujiuliza watoa huduma wetu lakini ajabu wanaonekana kutokujali kabisa. Kama hujawahi kutoka Tz utafikiri dunia nzima ndo wanavyofanyakazi lakini siyo. Watoa huduma wanatakiwa wawe wanafikiria jinsi ya kuboresha huduma kila siku. Huduma haiwi perfect hata siku moja. Hata nchi zenye kiwango cha juu cha huduma nzuri kwa wateja kama Japan bado kila siku wanafikiria jinsi ya kuboresha zaidi. Sasa sisi tunakaa tu maofisini km mizigo huku tukisubiri mwisho wa mwezi kupata mshahara. Hili ni jambo la kusikitisha sana. Ndio maana ni vigumu sana kwetu sisi tushindana na wengine kwenye biashara ya kimataifa. Kazi ya watoa huduma ni kugombana na wateja tu! Hata yule anayekuletea hela bado unam-mistreat! Tubadilike.
ReplyDeletekwanza kosa moja wapo la kuwa na wahudumu 2 kwenye eneo ambalo liko busy kama hapo wakati kuna nafasi 9 zawafanyakazi.kitu kingine mabenki wanaweza kufungua branch ndogo ndogo maeneo tofauti ambao ya wakazi sio lazima wote wawe mjini wamejibana na maeneo ya makazi kodi ni rahisi pia kwahio na wao wata weza kusave zahidi.
ReplyDeletena kama ni uzembe benki hio kila wakati kuwa na foleni kubwa basi jaribu kufanya research huamie benki ambayo huduma zao ni bora zaidi kuliko hio.
haya yote yanatoka na poor management na kasumba ya kutojali wateja .
Kwani ATM zilikwenda wapi tena? Ili kuondoa hii karaha wafungue matawi mengi na pia waajiri watu ili wajaze hayo madirisha mengine tisa ambayo hawayana watu.
ReplyDeleteSasa jibu si umeshatamka mwenyewe!! Umesema watu wengi, wahudumu wawili. Sasa tukusaidie kingine kipi?
ReplyDeletemtoto
inabidi watu wajifunze kutoa hela za kutumia week nzima. sio kila dakika wanatoa hela kidunchu...lunch mtu anakimbilia bank kwanza, taxi mtu anakimbilia bank.....ukipanga ahead of time kama kuna emergency foleni haitakua kubwa.
ReplyDeletebut its better than nothing....
TUACHE UVIVU WA KUFIKIRI NA KUJITUMA KAZINI, ASILIMIA KUBWA YA VIONGOZI, WENYE NYADHIFA ZA JUU KILA LEO WANAZURU MABARA YALIYONDELEA LAKINI WANASHINDWA KUIGA HATA MFUMO WA KUEGESHA MAGARI AU KUJENGA VITUO VYA MABASI. PESA ZAKO MWENYEWE UNAZIPANGIA FOLENI KAMA UNAZIOMBA VILE.. ATM Ni SULUHISHO KUBWA LAKINI MABENKI YANAJIFANYA HAYAONI UMUHIMU WAKE NA KUENDELEA KUNYANYASA RAIA WEMA. KAZI KULA NA KUOTA VITAMBI TU.
ReplyDeleteMdaU Ulaya.
CHUKUENI PESA ZENU ZOTE MZIWEKE HOME UKITAKA MSHIKO ANYTIME REACHABLE.HAYA MABENK YENU NI MICHOSHO TU,HAWAJUI CUSTOMER CARE NA WALA THEY DONT CARE, WANAONA SIFA KUWAPAGISHA WAZEE WAZIMA FOLENI,ITS SHAME TO SEE PP STRUGLE ON THEIR FEET IN QUES FOR THEIR OWN MONEY,WHAT A SHAME IN THIS CENTURY OF TECHNOLOGY!
ReplyDelete1) HUDUMA KWA WATEJA NI MBOVU KUPITA KIASI (INAHITAJI MWELEKEO/MAREKEBISHO MAKUBWA).
ReplyDelete2.) SIMU ZA MKONONI (CELL PHONE)/(LAND LINE) ZINATAKIWA KUWA (KUHAKIKIWA/KUWEKWA KWENYE MFUMO UNAOELEWEKA) ILI KURUTUBISHA (BANK BY PHONE.....
3)MOBILE ATM'S
4)TUTHAMINIANE/TUYAFANYIE MAWAZO MAPAYA KAZI, TUKUBALI MABADILIKO KUTOKANA NA UWEZO WA WANANCHI WALIO WENGI. (FUNGUA BRANCH SEHEMU ZINAZOHITAJIKA/ZENYE WANANCHI WATUMIAJI WENGI, SIO POSTA TU NA KWA WAHESHIMIWA)
5).TUKOMESHE UFISADI KWA USHIRIKIANO MKUBWA.
6)RUTUBISHA MIUNDO MBINU.
si mnasema bongo tambarare, mtajiju. na wewe unayesema account ulaya hamna kitu, sijui uko ulaya ya wapi? speak for yourself.....sisi wengine tuna savings account eeh! siyo wewe kila ukipata kiji-paycheck chako unaenda kununua jeans ya $300 na kunywa pombe....
ReplyDeleteHIYO BANK( TAWI HILO LA CORPORATE) NADHANI LINA MATATIZO MAKUBWA KWENYE KUTOA HUDUMA, NADHANI TUOMBE WADAU WATOE MAONI YAO KUWA WANADHANI NI TAWI GANI LA BANK HAPA DAR ES SALAA LENYE HUDUMA MBOVO, BASI HAO WATAONGOZA
ReplyDeleteHuu ni ukweli mtupu Michuzi, inakera sana. Jana nami nilikuwa hapo hapo Corporate ilibidi niahirishe ili nijaribu tena leo.
ReplyDeleteNAMI JANA NILIKUWA HAPO CORPORATE, IKABIDI NIHAIRISHE ILI NIJARIBU TENA LEO. INATISHA MNO, MUDA MWINGI TU UNAPOTEA BURE.
ReplyDeleteTafuta Bank ambayo haina foleni. Ndio utamu wa ubepari, wakikuudhi hapa unaanza sehemu ingine. Wale wenye huduma mbaya na foleni kama hizi huwa wanakufa kifo cha kibudu.
ReplyDeleteSheikh vipi tena mkuu, weye si huwa unasema bongo tambarare, sasa unalo hilo
ReplyDeleteSURUHISHO NI KUTOZIOGOPA ATM AMBAZO HIVI SASA ZIKO MAENEO MENGI TU YA USWAZI! MIMI BINAFSI NINA ZAIDI YA MIAKA MITANO SIJAINGIA NDANI YA BENKI, HUPENDA ZAIDI KUTUMIA ATM AMBAZO ZIMENIFANYA NIJIFUNZE KUTOTEMBAEA AU KUSAFIRI NA PESA NYINGI MFUKONI. ONDOA UOGA, ATM HAJINA MADHARA KWA MTU.
ReplyDeleteWEWE JAN 15, 12:57 AM, INAELEKEA NI MMOJA WA MBUMBUMBU WANAOISHI KWA KUDHANI TU, MBAGALA, MTONI, TEMEKE, PUGU ROAD NA HATA HIYO BARABARA YA BAGAMOYO, MAGOMENI, KINONDONI ZIKO ATM NYINGI SANA, SIJUI UNAONGELEA MAENEO HAYO KWENYE JIJI GANI! SI VIZURI KUELEZA KITU KISHA UKAONEKANA MJINGA AU MUONGO.
ReplyDeleteNadhani wengi mmnadhani ATM ndio dawa hapa, dawa ni mmoja tuuu.... Management ifanye study kisha apply kitu mmoja inayoitwa Queing Method, inategemea na watu na namba ya wafanyakazi.......
ReplyDeleteKwa wale wenye shida ya kujua how this method works, please contact me personal.
jamiiblog@gmail.com
www.jamii1.blogspot.com
The biggest problem facing our country is the way people incorporate ‘waste’ in our systems and banking system has got no exception. ‘Waste’ has been a ‘norm’ in banking system just like in our hospitals, manufacturing units etc. People are happy with it [waste] and some are making their 'ends meet' by using it, as it encourages corruption- It’s really strange in today's world of stiff business competition!
ReplyDeleteBy saying ‘waste’, I don’t mean a pile of rubbish you see when you enter one of these offices. While a pile of rubbish can cause ‘waste’ in a process by making other processes delay but it’s far more than that if I'm perfectly honest.
Let me first define what waste means before creating more misunderstanding and mayhem on the subject matter.
‘Waste’ is anything is production or process that doesn’t add value to the intended['main'] task. Say in a theatre room in hospital; we know for sure the main task there is to perform an operation to a patient, so if it takes 10 minutes to find where scissors are or where gloves are, then the whole process of doing operation would be delayed for 10 minutes. The process of finding scissors/gloves entails ‘waste’ here as there is no value added in our main task; operation, instead, the process of finding scissors/gloves takes time in our main task. Assume the same is happening in 100 operations, then the hospital would loose about 50 minutes doing this non-value added task of looking for scissors etc.
There are lots of processes within many banks that don’t add any value to their core activities and this could be one of the reasons we have such long queues. There are several ways to tackle the issue. While I can acknowledge there is no ‘one size fits all solution’ but I think this could pave a way to the solution of the problem; it’s for the banks concerned to look at their processes and evaluate them accordingly time after time. This could help them know where problems lie and implement, apart from other solutions, a waste-cutting/leaner solution.
While they [banks] know what sort of times these long queues emerge; it’s up to them to add extra staff during these times. I’m sure some customers wouldn’t have problems/issues that need to be solved in counter, so this sort of things can be dealt by extra personnel outside the counter.
I don’t know if our banks use drop box facilities! If they aren’t, I think it’s time for them to start thinking about using these boxes. Having these facilities in the bank would enable banks to cut number of customers on the queues as some customers wouldn’t like to spend the whole of the day on the queue for the sake of depositing ‘few shillings’ in someone's account. But it should be noted that robust procedures and mechanism to curb down any anticipated ‘dodge’ activities from untrustworthy customers or employees are to be put in place.
Of course, we can’t ignore the power of technology here! Who denies the power of technology when used wisely and effectively? What about having 'reliable' internet banking? I understand our level of internet technology could be a stumbling block, both in security [level] and availability of internet to some customers. But internet banking has been observed to be a panacea for long queues associated with brick-and-mortar banks. Banks and other stakeholders in financial sector should invest heavily on these technologies to ease overwhelmed brick-and-mortar banks when it comes to the bill payments, cash transfers etc.
There is one thing that associates the use of common sense to help our banks solve this problem. I can’t understand the logic of all bank’s staff, if not majority, to take a lunch break at the same time. This unnecessarily causes some operations to stop completely or partially during break time and no one from the bank seems to care while customers continue to waste their times on banks' floor. Banks’ employees have to change their altitude on this.
Lean[waste-free] operation, both in service and manufacturing industry is possible. Sometimes, banks don’t need to invest heavily to achieve this. It’s a matter of making decision of change within their organisations.
While customers are having this problem of waiting longer on the queues as underpinned in article above and bank charges are piled up, banks continue to make super -profit years in, years out. It's time for these banks to look and listen to their customers.
For today, that’s what I had to say.
Jua Kali
NATHANI ILI KUPUNGUZA FOLENI, BANK ZINGEWEKA UTARATIBU WA TELLER KUITA CLIENT KWA NUMBER IN ASCENDING ODDER WHICH CORRESPOND A COMPLIMENTARY NUMBER TICKETS TAKEN BY A CLIENT AT THE MACHINE DURING INTRACES,A HII ITASAIDIA MTU KUONA NAMBA YAKE NI NGAPI HIVYO ANAWEZA KUSUBIRI AU KUFANYA SHUGHULI INGINE HALAFU AKIJA ANAKUTA BADO YUPO KWENYE FOLENI. PIA BADALA YA KUSIMAMA KWA MUDA MREFU ANAWEZA KUTAFUTA SEHEMU AKAKETI AKISOMA MBAO ZA TELLER KUSUBIRI NAMBA YAKE.
ReplyDeleteTECHNOLOGIES FOR THIS PROBLEM ARE THERE AND I THINK BANKS CAN AFFORD BUT I DO KNOW WHY THEY CAN'T USE THEM. IF THEY DECISED TO USE ATM AND OTHER WESTERNED TECHNOLOGIES WHY IT TAKE THEM SO LONG TO SOLVE THIS PROBLEM? BECAUSE, FOR SURE THEY KNOW THESE TECHNOLOGIES!
ReplyDeleteThe last part in the forth paragraph should read; "Assume the same is happening in 100 operations, then the hospital would loose about(100x10)1,000 minutes doing this non-value added task of looking for scissors etc"
ReplyDeleteMy apology for any inconvenience caused.
Jua Kali
John Mashaka (alias Jua Kali), you have said it all. I support you!
ReplyDeleteBraza Misupu eeh
ReplyDeleteKuna kitu hapo ambacho watanzania wengi hatukifahamu au bado tuna ushamba nacho. Hiyo foleni hapo corporate huwa haiishi kwa kuwa watu wengi wa dar bado wanafikiri kwenda benki ni mpaka ufike mjini lakini wanashindwa kutambua kuwa hao hao NBC wana matawi kila kona ya Dar, ukianzia tegeta, makonde, mlimani city, victoria, slipway, samora, ubungo, mbagala, pugu road na kadhalika ambayo wandeweza kuyatumia kwa shughuli hiyo hiyo.
Pia hiki ni kipindi cha kulipa ada na mashule mengi yako NBC kwa sababu ya mtandao wao mpana baada ya NMB.Kwa kuzingatia kuwa wazazi wengi bado ajira zao ziko hapo city centre inakuwa rahisi kwao kufanyia shughuli zao hapo Corporate.
Swala la kuwa na mateller wawili kwenye counter hapo ndipo wamechemsha kwa kweli hata kama ni lunch ningetegemea kuona mateller wa nne at least.
Ushauri: Kwa kuwa kuna mabenki mengi nchini sasa na adha ya foleni inakukera hamia kwenye mabenki mengine uachane na haya makongwe yenye wateja lukuki(NMB,NBC, CRDB).
Wasalaam
wabongo kwa kutetea upumbavu na ujinga??! ...eti bongo tambarare... huduma mbovu badaya ya kutoa maoni ya namna ya kusuluisha...bongo tambarare..haya endeleeni na hiyo tambarare yenu!... by the way mithupu kama umekarisirishwa na yeyote anayekerwa na foleni kwenye hizo bank.. nenda kwenye bank ingine ndo wakishakosa wateja watie akili.shida watu hamuangalii namna ya kutatua matatizo yenu kulalamika tu! na huyo menejeja wa hiyo bank bado ana kazi tu??! kweli ndo maana bongo itatuchukua muda kuendelea!kama ingekuwa bank yangu sidhani wasiowajibika watakuwa na nafasi... kwa wale wanaolazimishwa kuweka mishara kwenye benk fulani fulani mtajiju
ReplyDeleteJibu (simple): Haina haja ya kusumbua kichwa adha hii itaondoka yenyewe baada ya miaka 50 ijayo..kwa mtindo wa maendeleo yetu.. Hata ulaya ilikuwa hivi miaka 1800 wakati ambao kwa sasa sisi tuko na hatutaki kukimbia na wakati....Unaweza amini mwaka 2009 tunakimbia na vidumu vya mafuta mitaani...Bongo Tambarare!!
ReplyDeleteBro Michuzi, jaribu kutembelea NMB Mwenge uone shughuli......naona management yao nayo imeridhia 'tellers' kubaki wawili (and sometimes watatu, na bado teller slot moja ikiendelea kuwa wazi!) pamoja na adha yote inayoonekana pale kila kukicha...
ReplyDeleteCHAKUFANYA NI KUTUMIA TECHNOLOGY MPYA AMBAZO ZITA SAIDIA KWENYE KURAHISISHA KAZI..
ReplyDeleteTHEN WAFANYAKAZI WA BENKI WANATAKIWA KUWA VERY FAST ..WAACHE KUJIVUTA KAMA SNAILS ..NA WAACHE KUREMBA AN POROJO OFISINI..FOLENI KWENYE MABENKI YETU NI KITU HATARI SANA KWANZA INA CHOCHEA RUSHWA, PILI UJAMBAZI,AND TERRORISM ..
KWANAMNA MOJA AU NYINGINE HUMAN RESOURCE MANAGEMENT WANA WAJIBIKA KWA UPUMBAVU HUO..INAONEKANA HAKUNA HATA SUPERVISOR HAPO BENKI NDIO MAANA WATU WANACHUKULIA KAZI MZAHA MZAHA TU ,,,
Wizi mtupu.
ReplyDeletePole sana mheshimiwa Misupu kwa adha hii uliyoipata. Kwa maoni yangu tatizo si tu la mabenki pekee, ni mchanganyiko wa mambo mengi.
ReplyDeleteLa kwanza ni mfumo mzima wa kifedha na kiuchumi Tanzania. Inabidi BOT, chini ya usimamizi wa serikali, ufanye mapinduzi makubwa ya mzunguko wa kifedha na kuruhusu unuuzi wa kutumia electronic media, vitu kama Debit na Credit cards. Japo mfummo huu umeanzishwa na baadhi ya benki, bado haujapata msukumo wa kutosha kutoka kwenye vyombo vinavyosimamia hali za kifedha kiasi cha kupendwa na wananchi.
Pia kuna swala la miundombinu, nikimaanisha ya kibenki na ya kitaifa. Kibenki naongelea pale unapokuta mtu anatoka Kibamba, hakutani na ATM ya CRDB mpaka Mlimani. Na mbaya zaidi, huna garantii ya kwamba utakuta hizo ATM hapo zinafanya kazi au la. Mabenki mengi hayajasambaza vizuri huduma za ATM, na hizo zilizopo either ziko mbali na makazi ya watu, au hazina uhakika wa kufanya kazi. Zaidi ya hapo, serikali ijaribu kutawanya baadhi ya miundombinu kwa kuanzisha "bizness districts" maeneo ya karibu na makazi ya watu. Mipango tunayoisikia ya Kigamboni na Kibamba kama itafanikiwa ni mwanzo mzuri, vinginevyo benki zitaendelea kufungua matawi city center na kutulazimisha wote kuja huku kufuata huduma zao.
Mabenki yenyewe pia yana lawama zake, kuna mtu ameandika hapo juu watu hawako serious na kazi, ni kweli, mara kwa mara unakuta benki nyingi, zikiwemo pia za kigeni ambazo zina utawala wa kitanzania, zina wafanyakazi wachache kuliko madirisha yake ya huduma. Hapa huwa najiuliza ina maana wafanyakazi ni wachache au hayo madirisha ya ziada yaliwekwa kama mapambo. Kwa upande huo inabidi tubadilike.
Mwisho, nadhani na sie wateja attitude zetu inabidi tubadilike. Tuna imani na kasumba ya kwamba kila kitu kilicho mjini ndio kina huduma nzuri. Uliza ni watu wangapi wana akaunti NMB/NBC/CRDB makao makuu, ambazo zipo mjini? Lakini mtu huyohuyo angeweza kufungua akaunti Barclays Mwenge, isipokuwa haamini kama anaweza pata msaada anaohitaji kama si makao makuu. Hii si sahihi, na yatupasa kubadilika upande huo pia.
Ni kweli tatizo ni mtazamo finyu wa wenye kutoa maamuzi, ili kupambana na tatizo hili la foleni kwanza ni kusambaza huduma za mashine za kutolea na kuwekea pesa na hata basi ikibidi kwenda benki kwa huduma za ziada basi uwepo utaratibu wa kuwajali wateja, kuna mifumo mingi tu ya kuweza kumsaidia mteja, kwa mfano katika nchi zingine kuna mfuma wa namba , yaani wanaweka mashine , mteja akiingia hatua ya kwanza ni kubonyeza kimashine hiki kinampa namba yake ya foleni, akisha chukua namba yake anakaa kwenye sofa maalum zilizotayarishwa kwa ajili ya wateja kusubiri namba yake iitwe, mfumo ni mzuri badala ya makamba ya uzio na watu kusimama, mfumo huu ni wa gharama nafuu na benki zote hapa Tanzania zinamudu kuununua, lakini kama walivyosema wenzangu benki zetu zinajali zaidi kukamua mteja zaidi ya kumpatia huduma bora, angalia kuweka mitambo ya usalama kama CCTV hadi wamelazimishwa na benki kuu, bila hivyo hadi leo wangekuwa hawajaweka, mamlaka zinazohusika ziwalazimishe kuweka mfumo huu wa token. naomba kuwasilisha
ReplyDeleteTUNAVUNA TULICHOKIPANDA,"UBINASFISHAJI" USION MAKINI. TAWI LA NBC ZENJ WAFANYAKAZI WENGI WENYE UZOEFU WAMEACHA KAZI KWA UBAGUZI WA MAKABXX
ReplyDeleteSYSTEM ZIKIGOMA SOUTH AFRICA, HAKUNA HUDUMA TZ, MUNAIONAJE HII
MDAU ZENJ
JAMANI NMB MWENGE MIMI NAMUUNGA MKONO ALIYELIONGELEA HILO.
ReplyDeleteKWANZA CUSTOMER CARE NI WAZEE WAWILI HAWAJUI KITU WALA HAWAKUELEKEZI VIZURI HALAFU BONGE LA FOLENI TELLER WAKO WAWILI HALAFU MARA ATM IMEISHA HELA MWISHO WA WIKI HAWAWEKI HELA ZA KUTOSHA WANAINGIA WATU WAWILI MARA HELA ZIMEISHA, HAWATOI USHAURI MZURI KWA WATU WANAOTAKA KUFUNGUA ACCOUNT HUYO BRANCH MANAGER MWENYEWE YUKO HAPO ANATOA TOA MACHO TU HATA HAULIZI KUNA TATIZO GANI WATU WAMERUNDIKANA, UNAWEZA UKAENDA PALE NI MGENI BADALA WAKUULIZE SHIDA YAKO WANAKUANGALIA TU UNAWEZA UKASIMAMA HAPO HADI MIGUU IKAINGIA TUMBONI,ILA NAWAPONGEZA SANA NMB MSASANI WANAJUA KAZI YAO UKIENDA PALE UNAJIONA MFALME.
Hii ni kasumba ya baadhi ya watanzania(hasa hapa Dar),wengi kuendelea kumaintain account zao kwenye benki wanazoziona za wazawa, CRDB,NMB,NBC watu wanashindwa kubadilika na kufungua akaunti katika Benki mpya,ambazo kila siku zinakuja hapa bongo,tuna benki zaidi ya 25 na zote zina matawi hapa Dar. Pia watu wakipewa kadi hawazitumii ipasavyo,kama CRDB Tembo card visa, mtu yupo radhi kusimama foleni ndefu wakati kadi yake inaweza kuchukua pesa benki yeyote,eti kwa kuogopa charge ya Shs elfu 1 tu. wadau bongo kadi zipo na technolojia si haba sana kama mfikiriavyo,tatizo watu kubadilika.
ReplyDeletekwa nini kusiwe na viti na namba za foleni ili watu wakae wakisubiri huduma?
ReplyDeleteyaani ndo keeeero kubwa,,
ReplyDeletesuluhisho me mfano,nahamisha pesa yote toka CRDB,napeleka mabenki yeneye unafuu niliyoyastudy,,,sio lazima tujazane NBC,CRDB,NMB may be uko waweza weka mshahara ukiingia tu wee draw bakiza ya kitabu peleka pesa yako barclay,azania,mwananchi,stanbic nk nk,,fullstop
hakuna siku waloniuzi na ndio ilobadilisha mwelekeo wngu wote km CRDB kipindi cha kukaribia new yr yan nimetoka kijitonyama foleni ya kufa mtu,nikapanda bus mliman city ndo kituko siku 2 NO SERVICE ktk ATM na ndani ndo hakufai,,,yan yule mtu pale customer service alintoa nyongo nkasema ok ntahamisha pesa yooote benki na LAZIMA WANTAFUTE MAANA NNA VIJISENTI ASWAAA PALE YAN NABAKIZA ZA KITABU TU,nyamafu sana awa yan pesa uitolee jasho wewe afu upangishwe foleni bosi mzima ya nini??
na zingine wazihifadhi home km wahindi basi
ths is bullshit!!!
amdau apo juu wee wasema kibamba adi mliman city??afu mwingine apo ati tusiende mjini aya niambie kule kiwalani kwa kigilagila,yombo kipawa,vingunguti na kuna watu lukuki uende wapi mana pana petrol station airport tu basi
ths is bullshit!!!
YANI BANKS ZINAKERA HUDUMA ZIROOO
hhahahahahaaaaaaaa
ReplyDeletecheki vidirisha (tellers)no people at all
yan ata makochi ya wateja wakae??au wajawazito,wazee,watoto wao nk jaman kweli???customer care officers vipi???management mpoooo??
yan NMB nilifunga account kabisa
Pole sana ndugu Misupu! Tatizo la foleni ktk benki za Tanzania nadhani uongozi wa hayo mabenki umeuridhia, huenda una manufaa kwao tusiyoyajua ambayo ni hasara kwetu na kwa taifa kwa maana ya muda unaopotea bure bila kuzalisha kitu.
ReplyDeleteUtatuzi mkubwa wa foleni kama baadhi walivyokwisha sema ni KUIMARISHA matumizi ya Internet Banking, kwa nini mtu anayetaka kulipa fedha au kutuma apange foleni bank wakati angeweza kufanya hivyo akiwa kwake au hata ofisini kwa muda mfupi kabisa??
Tatizo bank zetu zinaendeshwa na watu wenye mitazamo ya kiutendaji wa miaka 20 iliyopita! Hivi inaingiaje akilini kwamba mteja akitaka huduma ya internet NBC wanamtoza HAMSINI ELFU? Kwanza sidhani kama wateja wengi wanajua kama hiyo huduma ipo achilia mbali mizengwe ya gharama zake. Nilisoma NMB pia wanayo hiyo internet banking, sasa sijui kama kweli inafanya kazi au mbwembwe tu za matangazo ili waonekane wanakwenda na wakati kumbe ubabaishaji mtupu! Haya mabenki yaboreshe ATM zao maana hizo zilizopo haziaminiki hasa muda gani utazikuta zikitoa huduma, mfano NBC wameweka ATM pale PB Mwenge lakini inaweza ikafanya kazi masaa mawili tu kati ya 24, hali hii ni ya muda mrefu wala hakuna mabadiliko. NBC MLIMANI CITY ni kituko, hivi unawezaje kutoa huduma duni kwenye SHOPPING MALL kama ile na bado uongozi ukaridhika tu?? ATM zake ni mbovu na huishiwa pesa baada ya muda mfupi tu wa kazi. Bank za Tanzania ni kero sana kwa kuwa haziheshimu wateja, kwao mteja ni mtu mwenye shida na apaswaye kuvumilia tu hata kama hakuna sababu ya kufanya hivyo.
Tanzania tuna safari ndefu sana ya kufikia maendeleo kama tutaendelea kuwa na mitizamo hii ya utendaji kazi, Mtanzania wa kawaida anaanza siku kwa kugombania kupannda daladala, barabarani kuna foleni ya masaa mawili, akienda bank foleni masaa matatu nk, nk nk!! achilia mbali udogo wa kipato chenyewe. Mtu huyu akili yake huchoka mapema hata kabla hajaanza kazi, hivyo hatakuwa na tija yoyote kazini pake.
Tusipobadilika, tutaendelea kuishi kwa matumaini yasiyodhihirika kama safari ya Nabii Musa kwenda Kanani.
Mdau toka Oslo, Norway
1. KILA BENK KUWE NA ATM MACHINE KAMA NNE (KUTOA PESA) NA MOJA YA KUWEKA PESA AU CHEKI, KANA UNAKWENDA KWENYE COUNTA NI KUWEKA KUANZIA KIASI FULANI SIO MTU ANATAKA KUWEKA ALFU KUMI AU ISHIRI IWE KUANZIA KAMA LAKI. COUNTA ZIWE ZINAFANYA KAZI ZAIDI YA NNE NA RECEPTION MTU MMOJA KUCHUKUA MAELEZO AU KUSAIDI WATU KAMA KUFUNGUA ACCOUNT NA PIA WAFANYAKAZI WENGINE WAWE TAYARI KUSAIDI KAMA FOLENI IPO KUBWA. CHEKI ZOTE AU MTU AKIWEKAA KWENYE ATM WANAWEZA KUFANYA KAZI BAADAYE MAANA BENKI ITAKUWA IMEFUNGWA. KILA SEHEMU KAMA ILALA, UBUNGO , MAZENZE KUWA NA ATM MACHNE LAKINI KWA USALAMA WA WATU WAWEKE MACHINE KARIBIA HOTEL OR DUKA KUBWA NA PIA KUWE NA CCTV KWA USALAMA WA WATU NA PESA ZAO..KAMA UNAITAJI MSAADA WA MAELEZO ZAIDI , USISITE KUMTUMIA BROS ISSA NA HATANITAFUTA KWA HERI...
ReplyDeleteBongo foleni kila mahali: magari barabarani, vituo vya mafuta ya petroli, benki, posta, uhamiaji, polisi, watembea kwa miguu, TRA, hosipitali, n.k, n.k., yaani taja chochote. Na mwendo ndio huo taratiiiibu tumeishazoea.
ReplyDeleteMAY BE A DRIVE THRU SERVICE
ReplyDeleteKama huku US unakuta ATM machines kibao ziko sehemu mbalimbali madukani au kwenye street inachotakiwa tu ni card yako kuweza kutoa fweza. Mfano kwenye maduka madogo madogo utakuta kuna ATM machine mfano seven eleven, CVS, Safeways etc. Kuna logo tu kwenye atm card yako mfano star, visa unaweza kwenda kwenye machine yoyote na kutoa hela
ReplyDeletePia bank zenyewe zinakuwa na kitu kinaitwa bank-24 ambapo unaweza kwenda kwenye branch yoyote ya bank yako at anytime hata kama ni usiku au weekend na ku-deposit au withdraw kwa kutumia ATM machine. Huhitaji mhudumu yoyote ni wewe na machine.
Pia huku bank zinatumia huduma za drive through ambapo kama unaendesha unakuta kuna safu kama za magari mawili au matatu zinapitia kwenye kidirisha ambapo huduma zinatolewa ukiwa kwenye gari lako. Hii inasaidia sana kupunguza msongamano kule ndani ya bank na mara nyingi teller wa drive through anakuwaga ni sharp kuweza ku-save waendesha magari wanaohitaji kuhudumiwa express
Maoni mazuri lakini mengi nashani yalikuwa yanajirudiarudia.
ReplyDeleteSolution ya kwanza ingekuwa kuwa na wahudumu (bank tellers) wa kutosha, hawa wangekuwa wanahusika tu na kutoa na kuweka pesa. Kuwe na wafanyakazi tofauti wanaohusika na matatizo mengine (kufungua account, mikopo n.k).
Kuna issue ya kuwa-re-train wafanyakazi. Hili tatizo la mabenki nimelisikia kwa muda mrefu kwa watu tofautitofauti, na bottom line ni kwamba wafanyakazi, na kusema ukweli watanzania kwa ujumla, wapo very slow. Nadhani nii tukumbuke ni reflection ya jamii yetu, kuanzia kwa viongozi wetu wakuu. We always think time is on our side!
Pia kuna suala la computer system ya mabenki. Nimewahi kuongea na rafiki yangu mmoja anafanya stand chart....mabenki mengi, hata haya so-called international yanatumia systems za zamani hapo nyumbani (tofauti na system wanayotumia kwenye matawi yao, let's say, europe au america). Hizo systems/computers zinawaletea matatizo mengi, ikiwemo ya kucrash etc. Nilimuelezea kwamba wanafanya hivyo kubana matumizi, kwamba let's say barclays tawi la pretoria likiwa linabadilisha system yao, badala ya kutupa kama ni computers etc. wanazileta kwetu, tukumbuke bado makampuni makubwa yanapokuja sehemu kama zetu, hawana uhakika kama watakaa fo good, kwa hiyo hawataki kuinvest heavily for nothing. Mpaka waone market ni stable na profitable, na pia kuna human capital ambayo ni easy kutrain, ndiyo utaona mabadiliko haya wote tunayoyataka. Until then, nadhani tugangamale.
Sahamani kwa makala ndefu.
Bongo tambarale tutafika tu haina shida. NMB watu wanafoleni saa mbili asubuhi unapata pesa saa tisa mchana. Mbona hicho anacholalamikia Misupu ni cha mtoto. Masaa mawili ya foleni inakuwa issue kiasi hicho?? Nenda kachukue pesa NMB siku za mwisho wa mwezi wakati wafanyakazi wote wa halmashauri za miji wanapanga foleni za mishahara utaona cha moto.
ReplyDeleteMdau
Pole sana mzee, ili kupunguza msongamano wa mabenki zipo hatua nyingi zinazoweza kuchukuliwa. Wamiliki wa mabenki wanapaswa kufungua matawi mengi ya mabenki katika sehemu mbali mbali mijini.
ReplyDeleteserikali kuweka utaratibu kwa wafanyabiashara kuwa na mashine za kulipia registers ambazo zinaruhusu credit card, debit cards, and personal checks.
benki hizo vilevile zingekuwa na utaratibu wa kuwapatia wateja wao personal check books ili kupunguza watu kuhitaji cash money.
Vile vile kuongeza ubora wa huduma za posta katika kusambaza barua kwani watu wanaweza kufanya malipo kwa kumail personal checks bila kwenda bank.
huduma zingine za kibank zaweza kumalizwa kati ya mteja na bank kwa simu au internet mfano money transfer from customer to customer from the same bank.
hizo ni baadhi ya hatua zitakazo saidia kwani huku Us ukienda bank hamna foleni kabisa hata atm machine hazina foleni yote ni kutokana na kuwa uwanja mpana katika huduma za bank na malipo
kaka Michuzi mi ushauri wangu ni kuwa banks zote za hapo bongo zingetoa bank cards zenye nembo ya VISA au VISA ELECTRON ambapo mtu anaweza kutoa fedha kwenye ATM ya bank yoyote bila charges zozote. mfano hapa Ukerewe ukiwa na bank card ya bank fulani huna haja ya kufuata ATM za hiyo bank bali unatoa hela kwenye ATM ya bank yoyote with no charges whatsoever! hiyo charge ya elfu 1 aliyoitaja anony mmoja hapo juu ni kubwa sana ukizingatia watu wengine wanatoa hela mara kwa mara. banks zikiwa na hiyo system foleni zitapungua kama sio kwisha.
ReplyDeleteStaff wapelekwe shule ya Business and Operations Management, pili watu waache kufungua account kwenye benKi moja tu kuna benki kibao siku hizi.
ReplyDelete1. Tellers wapewe darasa la kitu kinaitwa "Customer service"
ReplyDelete2. Bank zi identify common/most frequent transaction and act accordingly. unaweka kukuta 70% of customer on the queue are waiting to withdraw money, a bank can increase atm machines to alleviate that
3. Banks should identify peak times and schedule more staffs, open more tellers during that times. sasa hivi wakiona watu wamejaa ndo wanaenda kunywa chai
4. Commission to tellers for a number of customer they serve
5. Feedback from customer rating a teller, a bank and service in general
6. ETC......
Godi yupo. Jana nilishinda laki 5 ya Kanada. Nakaa hapa, nina pesa, mademu kwa nguvi kabla na sasa si itakuwa balaa tupu. Emmi uko wapi, twende kwa Ki Tumpeleke Cuba kidogo.
ReplyDeleteBraza aliyebahatika
crdb moshi pana nyomi ya kufa mtu, nafasi ndogo wateja ni wengi .... tunaona jitihada za utanuzi. tunaomba spidi.
ReplyDelete