Dear Ankal Michuzi,
Mimi ni Mtanzania ninaishi hapa mjini Dar es Salam. Wiki iliyopita Jumatano niliamua kwenda kununua Inverter lakunistiri ili nipungukiwe na adha ya Tanesco. Nilimpigia simu rafiki yangu Mmoja kwa jina la Mercellina nikamwuliza amenunua wapi Inverter akanielekeza TROPICAL POWER ambayo ipo mtaa wa Narug’ombe. Akanishauri nisiende na gari langu mwenyewe ila nitumie usafiri wa Teksi kwa sababu parking ni za shida hapo mahala. Nilitumia ushauri wake nikapaki gari langu mjini na kuchukua teksi hadi mtaa wa Narung’ombe nikakuta hiyo Tropical Power ipo Jengo Moja na Benki ya Stanbic mkabala na Benki ya Standard Chartered.
Niliamua kufanya shughuli zangu za Kibenki hapo nikiwa kama mteja wa benki zote mbili na haswa mteja wa branch ya Kariakoo ya Standard Chartered. Nilipoingia ndani nilimsimulia dada mmoja kuwa nimekuja kuomba kadi ya Visa ambayo nitaweza kutumia nikiwa nje ya nchi kwa maana nasafiri sana na kila nikisafiri nakuwa siwezi kutumia hela zangu kwenye hiyo account labda nikiwahi ndio nizihamishie kwenye account yangu ya Stanbic. Akaniuliza unaaccount ya dola na sisi? Nikamweleza kuwa sina Account ya dola hapo Stanchart ila ninayo benki ya Stanbic. Akaniambia ni mpaka niwe na account ya Dola ndio nitaweza kutumia kadi ya Visa nikiwa nje. Nikamwelezea kuwa ni Ghali kumudu account mbili za dola na pia nikampa mfano kuwa je mtanzania wa kawaida akipata bahati akapewa safari ya kwenda nje atafanyaje? Mnatulazimisha tufungue account za dola mbona nchi za wenzetu kufungua account za hela za kigeni ni shida? Nikamweleza kuwa mimi pia nina account ya Shilingi na Benki ya CRDB na Stanbic ila sijawahi kupata tatizo nazo nikisafiri sasa kama mtanzania ni Kosa kuwa na account ya Shilingi hapo STANCHART? Huyu dada akanishauri niende kuonana na Branch Manager na mimi nakakubali.
Nilivyofika kwa Branch Manager nilimkuta yupo na Dada Mwingine nadhani anafanya kazi hapo hapo Benki, nikamsimulia shida yangu huyo Dada akaniambia zamani walikuwa wanatoa TEMPORARY VISA CARD kwa ajili ya wateja wenye account za Shilingi wakiwa wanasafiri yenye limit ya Dola Elfu Kumi kwa siku Thelathini ila sasa hivi hawazitoi tena na ikitaka Visa inayoweza kufanya kazi nje ya Nchi lazima nifungue account ya fedha za kigeni. Nikawaeleza mbona Benki Nyingine kadi zao zinafanya kazi na hizo hizo za Shilingi? Kwa nini mimi leo Mtanzania nalazimishwa kuwa na account ya Dola ilikuweza kutumia account yangu nikiwa nje? Mbona mtu kutoka South Africa, Marekani au Uingereza hawaambiwi wafungue account za Shilingi huko nchini kwao? Nilitoa sababu zote za Kimsingi ila meneja na Mwenzie walishindwa kunisaidia wakaniambia hilo swali haliwezekani aliniomba account Yangu nikampa kadi akatazama kwenye mtandao wao na kuona mimi ni mteja mdogo sana ndio hata nguvu ya kunisaidia niliona imeshuka wakasema hawawezi kabisa kunisaidia kwa Kuwa ni Policy kutoka BANK OF TANZANIA wao wanafuata. Nikawaeleza hiyo policy ni ya kuwaumiza watanzania wa chini kwa kuwa Madirectors wote wa BOT na Maofisa wakubwa wa kubwa huko au la wafanyakazi wote wanamiliki account za fedha za kigeni na pia wanamaacount ya Shilingi yenye Visa cards kwenye mabenki Mengine.
Michuzi, to cut this story short, what I am trying to raise here is that One day you here this bank saying one story and another bank saying another story. Whenever you try to reason with them they say it is a directive from BOT. If I can remember when the new Governor started in one of his conversations or press releases he said they will do their best to make sure we use more Shillings than dollarizing the economy. They went on to say people should stop quoting rents and all in foreign currency and trade in Shillings. How can we trade in shillings when we cannot access our Shillings account because of their directives?
My humble request is for the directorate of Banking Supervision at the BANK OF TANZANIA to clearly help clarify this with the banks. A few months ago I visited an EXIM BANK BRANCH at Namanga and they refused to accept USD $ Dollar bills that were printed before 2003 and the reason they gave is that they had received a circular from their top Management and also a directive from BANK OF TANZANIA. Can you please help us with clarifications in regards to handling of foreign currency.
STANDARD CHARTERED naomba mliangalie hili swala kwa mtazamo mpya mkishirikiana na BOT kama kweli mna nia ya kumsadia Mtanzania unless mtu asiyeweza kumudu account ya Dollar kwenye benki yenu sio TARGET CLIENT WENU. Au no kosa kuwa mtanzania na kumilika account ya Shilingi?
Asanteni
Wenu Katika ujenzi wa Taifa
Mdau Lola!
I pity this guy. He can hardly explain himself; and he embodies our so called bussiness men! What did the "inveter" have to do with his outcry of the banking maladies! What are we to make about the man!!!
ReplyDeleteMdau Lola,
ReplyDeleteKwanza kabisa pole sana kwa usumbufu. Na pia samahani nitaandika kwa kuchanganya lugha kwa sababu baadhi ya maneno sina tafsiri yake kwa kiswahili.
Kuhusu hiyo directive kutoka benki ya Tanzania ipo na inazuia watu kutoa mpaka dola elfu 10 kwa siku 30.
Kwa mabenki kama Stanbic and CRDB, nadhani wanatumia teknolojia zinazofanana kwa hiyo wameweka daily limit ambayo ukijumlisha mpaka siku 30 itakaribiana na hiyo limit ya dola elfu kumi.
Mimi sio mtaalamu wa Uchumi lakini sababu za benki kuu kuweka hiyo sheria ni kuzuia kununua fedha za kigeni bila kibali maalum. Wewe kama mteja wa kawaida na una akaunti ya shilingi ukienda nchi nyingine utatumia fedha ya nchi hiyo ambayo ni fedha za kigeni. Ukiangalia mitandao mikubwa ya fedha kama Visa na Mastercard sidhani kama Tanzania wanasettle kwa kutumia local currency in most cases they use Rand or USD.
Lola na wadau wengineo! Ni vema uliweka hadharani hili la BoT na benki zitumiazo visingizio vya 'BoT directives'. Hadi siku za karibuni hwa ndugu zangu wa Stanchart walikuwa wanabadilisha dollar zako kwa madafu kisha wanakuuzia kwa bei ya 'leo'. kwa maana nyingine ulikuwa ukinunua dollar zako mwenyewe (lol)! Nilipouliza nkambiwa BoT directive; jamani kweli?
ReplyDeleteMdau Lola - thank you for sharing this information as I am sure there are many who didn't know about this. I closed my account with Standard Chartered longtime ago because of such nonsense. But my Ferrow Tanzanians this a classic example of poor policies by our so called leaders that either lack the understanding of why such institutions exist or are working for the interest of the rich and famous. How do you come up with such a policy that doesn't look out for the interest of the majority? There should be no such variations between banks especially if mandated by BOT. Inawezeka Standard Chartered wanasingizia BOT. Someone please look into this and give us the facts.
ReplyDeleteThis is 21st century for God's sake.
'Nikawaeleza hiyo policy ni ya kuwaumiza watanzania wa chini'..mtanzania wa chini hata account hana..yeye pesa yake akipata inakwisha papohapo....mafisadi ndio mna-ma-account benk tatu hadi nne...kwani hiyo ya crdb haikutoshi??acheni kuifilisi nchi bila huruma..!!
ReplyDeletemdau wa 12:54:00, wasingizie BOT kwa nini na wateja wanawataka?? standard chartered wana wateja wengi tu wa kawaida sana lkn hiyo policy was passed by BOT na deadline yake ilikuwa january 2010. since ni benki ya kigeni haiwezi kwenda sambamba na opportunities za local banks km crdb na tofauti zipo kati ya banks zinazo operate africa tu km stanbic na zinazo operate africa na mabara mengine. sometimes we dont have to blame before kufahamu ukweli. ni ngumu kumuelewesha mteja ambae amestick to what he/she wants while kampuni nayo inabanwa na policy za kuoperate. kwa kifupi ingekuwa sio policy nina hakika wangekuwa wanazitoa hizo cards hadi leo coz na rates zilivyo recently, hata faida yao its obvious ingekuwa kubwa zaidi kwa tzs visa cards used out of country if you know what am talking about.
ReplyDeletemdau wa pili big up!
Ndio maana mimi nikija huko nabadilisha dollar kwenda shillings kwa sababu siamini hizo ATM zenu. Pia tumetoka mbali. Nakumbuka mimi nikiwa bado mdogo, wazazi walikuwa wakificha dollar kwenye socks pale airport ili wazibadilishe kwenye black market enzi za Nyerere. Bado tuna safari ndefu sana.
ReplyDeleteHonesty sikuelewi na sijui unataka nini. Kama unaacount CRDB na unaweza kutumia foreign account ukiwa nje ya nchi sasa kwa nini unataka kulazimisha bank hiyo nyingine wafanye mambo yao according to you? Watanzania bwana. Kama hupendi huduma zao hamia bank nyingine nini longolongo huku...inverter mara sijui nina account bank zote mbili who cares?
ReplyDeleteSaa nyingine mnafungua tu account bila kusoma fine prints halafu mnakuja kusubua huku...
WEWE UNAYEJIITA LORA SIJUWI NANI KWANI WEWE NI LAZIMA UTUMIE HIYO BANK? SI UNASEMA BANK ZINGINE ZIKO POA VILE UNAVYOTAKA WEWE? SASA KWANINI UNANG`ANG`ANIA HAPO? KILA BANK INASHERIA ZAKE NDUGU WAMEKUKATALIA NENDA CRDB CASE COSED.
ReplyDeleteMR LOLA I SAY SOLE FOR THE PROBREM OF CORRUPT PEOPLES OF TANZANIA BANKS.THEY WANTS TO GO TO MUZUMBE UNIVESITI OF COLLRGES OF ECONOMY OF MULOGOLO AND THEYZ BECOMES GENIAS OF BANKS.IF THEZ NO DOING THAT, THEY GO TO KEKO WITH LIYUMBA FOR TAKUKURU IS HELPING GOOD PEOPLE AND DOWANS.POLE SANA MR
ReplyDeleteJamaa maelezo mengi wakati angeweza kufupisha. Spelling ya maneno wa wale wanaotumia English:
ReplyDeleteOne day you here this bank
Sio "here" bali "hear"
But my Ferrow Tanzanians
Sio "ferrow" bali "fellow"
sasa habari ya magari kupaki na kuchukua texi na kununua invetor vinaendana nini na story za benk. kujieleza kwa mpangilio ni kazi kweli. Jamaa ana mihela yake lakini kujieleza hapa karibu angetuambia amekula nini n.k.
ReplyDeleteHili la kuweka kiwango cha dola elfu kumi kwa mwezi naelewa Benki Kuu ya Tanzania inafikiria nini. BOT inajaribu ku-control utoaji pesa za kigeni (juu ya kiwango hicho) nje ya Tanzania. It is not just BOT but even ndugu zetu wa South Africa kwa mfano wana utaratibu huu tena. It is much harder in South Africa (Not impossible, only more paper work) to transfer money from their banks.). Mimi nafanyakazi na kuishi pamoja na kupata vipato South Africa pamoja na Marekani nina pambana na hali hiyo kila wakati. Ni rahisi kuhamisha pesa toka marekani kwenda kokote kule kuliko kutoka South Africa kwenda kwingine kwa mfano kwahiyo Tanzania sio pekeyake.....
ReplyDeleteMost central banks (with meagre foreign reserves)co-incidentally developing countries protect these reserves ili kwamba wajenge imani kwenye soko kwamba nchi inaweza kuhimili na kutimiza wajibu wake wa malipo yanayohitaji pesa za kigeni. Kwakifupi wanazibania ili zisitoke kwa fujo. Hili ni monetary reserve management nalielewa.
Nisilo lielewa mimi ni hilo la dola ya kimarekani ya mwaka 2003 inapokataliwa. Hili limewahi nikuta mimi pia. Noti ya mwaka 2003nimeitoa benki marekani nikiwa njiani kwenda airport kuja Dar es Salaama nafika wanaikataa. Sikuhizi natumia ATM card kuepuka adha hii. I would, however, like to understand the reasoning behind not honoring a dollar bill dated 2003
Hilo la kwanini nchi za nje hawafungui account kwa sarafu ya Tanzania ni kwasababu sarafu yetu haibadilishiki au kuuzwa kiurahizi "convertible" kama ilivyo dola, au euro kwa mfano. Inabidi wabongo tuendeleze libeneke la uchumi na ujasiriamali kukuza uchumi wetu ili sarafu yetu iwe ngangari na yenyewe itaweza pengine kuwa "convertible"
Jambo la mwisho na la muhimu napendekeza kuwa benki isipotoa huduma nzuri basi unafanya maamuzi kwa miguu... Hapa na maanisha unaondoka (unafunga account unahamia ile inayotoa huduma zinazokutosheleza). Hiyo Standard Chartered Bank na mimi nilifunga account yangu. Kwasababu walikuwa hawanitumii statement huku ninakoishi.
Lakini Ndugu Lola, mbona hujatuambia je ile Inverter uliipata au ilikuwaje ?
Wakatabahu mdau
knockyourself@hotmail.com
anacholalamika ,huyu mdau ni kutaka huduma ya kibenki inayofuatana na mifumo ya kimataifa , na ni haki yetu wa tanzania, tatizo viongozi wengi wa mashirika wa bongo wanataka kuiga mifumo ya nje halafu wanatuweka kwenye njia panda , unapokuwa na visa card au master card , iwe debit au credit hizi card zote zinaviwango za kuchukua pesa kwenye account yako husika kutokana na uwezo wa mapato na umeshawekewa wewe na benki yako . kwa mfano mimi master card cold yangu ninaweza kuchukua hadi usd 50,000 kokote duniani kwa sarafu ya aina yoyote , kwenye account hii sina pesa hata shiling na nikilipa nandani wa siku 45 , hakuna riba yoyote lakini nikichelewa baada ya siku 45riba ya asilimia 18 itakuwepo , visa debit card itaniruhusu kuchukua pesa niliyokuwa nayo kwenye account yangu hadi usd 2000 hii ni kwa wiki imewekwa hivi kwa usalama wa mtumiaji usije ukaibiwa pesa zako , account zangu zote ziko nje ya tanzania lakini card zote hizi zinafanaya kazi vizuri hapa bongo ninachukua pesa ya TZ, tanzania sio kama hatuwezi kufanya huduma hizi ,kama nilivyosema waendeshaji wa mabenki wanajali faida kuliko kuwekeza kwa mteja WANAJIFANYA WAMO LAKINI HAWAJUI KITU WAKE UP TANZANIA BANK mimi ninamiaka 10 siujuwi mlango wa benki ya branch yangu ambayo ni norway post banken umekaaje hiii leo !!! ninafanya huduma zangu zote online ninalipa bill zangu , ninakopa bila ya kwenda benki na kuchukua cash hapa bongo !!!TANZANIA BANKERS mnasafiri kila siku KAMA HAMJASOMA BASI HATA PICHA MAMUONI ??? NI VIPI BENKI ZINAFANYA KAZI ?? LEO UKITAKA KWENDA BENKI BONGO UNATUMIA MASAA3 YA UZALISHAJI WA TAIFA KUKAA FOLENI ati wenye mabenki wakiona foleni kubwa wanaridhika ile mbaya na kusema wanawateja wengi ,
ReplyDeletehivi lini watanzania tutaiga kikweli kweli , kwani kubununi hatuwezi BASI HATAKUIGA TUNASHINDWA ?? MUMNGU IBARIKI TZ slimslim
Pole kwa yaloyokukuta Lola....
ReplyDeleteMy comment is not much based on your scenatio because I dont know much about it.
I gather the Branch Manager was suppossed to be competent in a sense that angeelewa point of view ya mteja na sio kuishia kusema kwamba wamepewa directives kutoka benki kuu or something like that.... Watanzania tunakosa kujiamini na kutumia common sense in making decisions and arguing.... Hata wakati wanapewa directives kama hizo walitakiwa kubrainstorm and coming up with scenarios like those just in case wakipata mteja mwenye shida kama hiyo....
Mdauuuu....
hili swala ni la ususmbufu sana sana bank zote tz sijui waataka nini sijui watanaznia haruhusiwi kuwa pesa kigeni mbona tunajirudisha juma sana pesa ni zaku sinakua tena ni shida ni kasheshe naomba wazika hangalia tunaishi karine 2000 sio mwaka 47 thanks
ReplyDeleteLABDA BENKI WAKUSAIDIE KUIWEKA HIYO INVERTER KWENYE AKAUNTI YAKO ILI UONDOKANE NA ADHA YA UMEME WA TANZANIA!
ReplyDeletePole sana ndugu yangu mimi ushauri wangu ni kwamba wewe endelea kutumia benki ambayo inakuwezesha kutoa pesa ukiwa ugenini. Ni kweli hiyo benki wameweka Policy inayotuumiza wananchi pia usisahau hata kama unataka swala lako litimizwe inabidi ichukue muda maana sidhani kama ni rahisi kwa mfanyakazi kubalisha policy walizowekewa mara tu mteja anapolalamika (unless if is in their power to do so) nafikiri ni jambo la kujumlisha maamuzi ya wengi walioweka hizo Policy.
ReplyDeleteInverter uliipata?
ReplyDelete...Sikiliza mdau, kwanza unatakiwa ujue yafuatayo:
ReplyDelete-benki ni kampuni kama kampuni zingine na hazipo kukusaidia bali kutengeneza faida kubwa kwa gharama ndogo.
-Ukishajua hilo tafuta na wewe benki ambayo unaifurahia huduma yake wewe kama mteja
- Kwa kukusaidia tu, nenda Kenya au pale Namanga border fungua akaunti kwa benki inaitwa Equity bank- mtu yoyote wa taifa lolote naruhusiwa kufungua akaunti bora tu uwe na kitambulisho...
na sio lazima uweke hela unapofungua(hakuna gharama za kufungulia) VISA yao inafanya kazi popote ulimwenguni.
-Sasa tuko katika mfumo wa kibepari, tufikiri kibepari pia tutaendelea.
Mbongo
Norway
Lets get things straight here. There are two different things between Visa and Visa electron. To my knowledge if you have a visa electron card from wherever you live, you can draw your own money from any ATM which allows to do so. I live in EU and every time I travel outside the country I live I use my Visa electron easily only with an extra service charge.
ReplyDeletejamani watanzania wenzangu mjifunze kumuelewa mtu anapoleta hoja na vile vile tuvumiliane maana katika mfumo wa tanzania haufundishi mtu kujieleza kiufasaha mbele ya jamii na hii ndio kitu inatu cost sana Dr slaa alisema hili wanafunzi wa kitanzania hata kujieleza kiswahili hawawezi so hii sio shida ya lola ni shida ya taifa toka ngazi za juu mfano mdogo tu hata wakuu wa BOT wenyewe wameshindwa kueleza kwa wakuu wa ma bank kwanini hutakiwi kutoa zaidi ya dola elfu kumi kwa mwezi au kwanini dola ya 2003 haitakiwi so msimlaumu jamaa nafikiri swala la kutokujua kujieleza ni national epidemic,ninachohisi jamaa alitaka kueleza kwamba tanzania hali ni mbaya kuanzia kwenye usafiri,umeme na hudumu muhimu za jamii kama za bank ila masikini ya Mungu hakujua jinsi ya kuvileta vitu hivi juu ya meza,tusameheane jamani na kuchukuliana mizigo...lastly pole sana lola kwa kweli hali ni mbaya sana bongo,hata gari lako huwezi kutembea nalo kwanza unaogopa kuibiwa taa mjini na licha ya kuibiwa taa hakuna barabara wala parking sio tu hilo hata kuendesha hilo gari unakuwa hakuna raha maana unatoka nyumbani umechoka kwa kukosa usingizi kwa joto la usiku la Dar lililokupiga kwa kuwa fan/Ac yako haikufanya kazi usiku mzima kwasababu ya umeme na ukifika bank kuchukua pesa zako mwenyewe ni shida vile vile na isitoshe ukishasumbuliwa bank ukitoka vibaka wanakudandia.daaa,
ReplyDeleteni hayo tu..... mdau JIWE ukerewe
Lola thanks for sharing.... comments za watu jamani unaweza kuacha mbavu...kama hujui lazima uandike hahahahaha.....yaani acha tuu. Hii Bank ina shida nyingi na si muda itakuwa kama ile ya mmmh... itafilisika...wateja wanamalalamiko kibao lakini hawajali...mie nina rafiki yangu alikuwa Africa ya Kusini kwa mapumziko na kadi yake ya bank lakini aliporudi Dar alikuta imetolea pesa kibao... akiuliza anazungushwa kama pia sasa anatafuta wakili awashitaki...sasa wataondoka nchini soooon ...warning watu MUANZE hapo si Bank kabisaaa
ReplyDeleteMdau Mwanza
mdau jiwe big up
ReplyDeletedah ! amejieleza huyo..lazima atakua mhaya !! ulipata invetor ?
ReplyDeletemkubwa pole,
ReplyDeleteSamahani we ni mhaya!maana hii story inafanana na uatni fulani hivi,
Mhaya mmoja alipata ajali na kuvunjika mkono
ebu ona alivyomwelezea dactari
"nilikuwa nimekaa ghorofani,pale nyumbani nikasikia simu ikiita chini(G.floor) Nikaisi ni wateja wangu wa marekani wananipigia,wakati nashuka kuipokea nikaona km mama koku ameondoka na toyota V8 badala ya benz maana pale garage ilibaki benz na BMW pekee..........story ikawa ndefu doctor akashindwa hata kuelewa kilichomleta mgojwa hapo....
hii ndo story ya jamaa wewe...