Wadau msaada tutani kiduuuchu....
Nataka kuanzisha shughuli za kutoa mikopo midogo midooogo bila ya riba (interest), yaani 0 interest. Mikopo hii ni kwa biashara ndogo ndogo sana sana kama vile wauza chipsi, wauza samaki wa kukaanga, vocha, n.k.
Nataka kuanzisha shughuli za kutoa mikopo midogo midooogo bila ya riba (interest), yaani 0 interest. Mikopo hii ni kwa biashara ndogo ndogo sana sana kama vile wauza chipsi, wauza samaki wa kukaanga, vocha, n.k.
Ila kitu kimoja, hii si mikopo kama ile iliyozoeleka, ni kwamba tunakuwa tunashea biashara. Mimi natoa hela wewe mkopaji unatoa nguvu na ujuzi. Faida na hasara tunagawana (tunagawana utajiri na umaskini).
Pia nna swali wadau. Je kwa sasa hivi hapa bongo, ni biashara za aina zipi ambazo zinaweza kuingiza faida ya shilingi elfu 15 hadi 20 kwa siku kwa mtaji wa shilingi laki tatu? Kwa uzoefu tu wadau, msianze ooh kila biashara lazima na mtu wake, ooh sijui nini. Mimi nataka kujua mawazo ya jumla tu.
Wakatabahu
Mdau Mjasiriamali
Mdau Mjasiriamali
Mdau mjasirimali,
ReplyDeleteKwanza nianze kwa kukupongeza sana kwa kufikiria jambo kama hilo, ni kitu kizuri sana hicho. Sisi kwetu masuala ya riba tunayaogopa sana, hata vile visenti tunavyoongezewa benki basi ni vya kuvikimbia. Ushauri wangu ili kuleta tija zaidi, basi ungetoa kipao mbele zaidi kwa akina mama wajane na wale wari waliokosa ajira, naamini hao wanastahili zaidi kwa vile wapo katika mazingira hatarishi. Hali kadhalika ukipata wenye ujuzi basi akina mama wanaaminika zaidi, yani watafanya biashara kwa uaminifu zaidi na faida itapatikana kwa pande zote mbili.
Nawasilisha.
we kweli umedata! hapo ni bora anayekukopesha kwa riba kikaeleweka kuliko wewe! wewe ni Bepari zaidi ya mtaka riba! Unayetaka kuchuma kupitia mgongo wa wenzio! Pia usiseme unakopesha sema unaomba mtu wa kukusaidia then faida mtagawana! Bongo kungekuwa na biashara ya laki 3 faida 15 au 20elfu per day ungekuta wabongo wote Mabilionea na siyo Mamilionea!
ReplyDeletewewe kaka uko wapi?maana mimi nilishajaribu biashara ya kukopesha,ndugu yangu nikipiga hesabu mpaka leo pesa ambayo ningekuwa nayo,ningekuwa na pesa nyingi,niko ughaibuni,ki ukweli sijawahi kuona hiyo pesa back,kwa kifupi bongo watu sio waaminifu.kila la kheri kaka!
ReplyDeleteTHIS IS COULD BE ONE FORM OF PARTINERSHIP BUSINESSES WHERE THE RELATIONSHIP
ReplyDeleteSUBSISTS BETWEEN PARTIES AS YOU WILL BE CARRYING ON A BUSINESS IN COMMON WITH OF VIEW OF PROFIT.
I SUGGEST YOU TO HAVE AN AGREEMENT WITH REGARD TO DIVISION OF PROFIT
(WHICH MIGHT BE CUMBERSOME DUE TO THE NATURE OF THE RELATION)AND IABILITY FOR LOSSES IN THE EVENT THE BUSINESS GOES UNDER AS YOUR PERSONAL PROPERTIES WILL BE REALIZED TO COVER CREDITORS LOSES.THE AGREEMENTS COULD DISCLOSE SALARIES,CAPITAL INTEREST ETC
MOREOVER,THE RELATIONSHIP YOU WOULD HAVE WITH YOUR BORROWERS COULD BE AKIN TO THAT OF BANKERS PROVISION OF 0% OVERDRAFT FACILITY TO BUSINESS CUSTOMERS IN RETURN OF ARRANGED MONTHLY FEES AND FACILITY RENEWAL CHARGES SUBJECT TO VIABILITY OF BUSINESS.
YOU COULD AS WELL INVEST IN THOSE BUSINESSES IN RETURN OF CERTAIN PERCENTAGE EQUITY STAKE.THIS IS BECAUSE OF BUSINESS RISKS INVOLVED SUCH AS INFLATION RISKS,CURRENCY RISKS,GOING CONCERN RISKS AND ON THE OTHER HAND FAIRNESS AND YOUR LIMITED LIABILITY IN YOUR INVOLVEMENT.WITH YOUR CONCEIVED INPUT,THE ENTERPRENEUR(borrower) COULD MAKE THE BUSINESS BIG(could go international)THROUGH SKILLS AND INNOVATION,MRKT'NG ETC
THEREFORE,CRITICALLY,ASSESS YOUR INPUT BY LENDING TO VIABLE BUSINESSES.I SHALLOWLY RELATE MICROFINANCE AS MAGIC BULLET THAT TRANSFORMS SMALL BUSINESSES LIQUIDITY AND EXISTANCE PROSPECT.ON YOUR VENTURE,CROSSCHECK ABOUT THESE CONCESSIONAL LOANS AGAINST BANK COMMERCIAL LOANS(33%apr CRAZY!)
THE SECOND PART OF YOU REQUEST CALLS IN COMMERCIAL VIABLE BUSINESSES IN TZ WHICH I CAN NOT CATEGORICALLY STATE WITH CERTAINTY.I AM IN THE UK AND IF I GET ASKED ABOUT WHICH BUSINESSES I COULD INVEST IN AND GET GOOD RETURN,MY ASSESSMENT IS BASED ON:-
DIVIDEND YIELD,P/E RATIO,RETURN ON CAPITAL EMPLOYED,EPS(EARNINGS PER SHARE)PROSPECTS OF ACQUISITION,STRATEGIC DIRECTION EG LAUCHING RAISING STAR PRODUCTS SUCH AS iPHONE,WINDOW 7 ETC.IF I WERE IN TZ,I WOULD ASCERTAIN MACROECONOMIC POLICIES SET( by bank and gvt),POLITICAL STABILITY,EFFORTS TO STABILIZE INFLATION IN FOOD AND OIL PRICES BY THE BOT.I COULD INVEST IN TRESURY PRODUCTS(BILLS AND BONDS).
I CAN NOT BE CONCISE ENOUGH TO KNOW EXACTLY WHAT IS GOING DOWN OVER THERE IN TZ TO ADVICE ON INVESTMENT OPPORTUNITIES AVAILABLE.DO A PROPER RESEARCH.IS AGRICULTURE THE FUTURE?THEN GET THE TRACTOR,LEASE IT.ETC
Mdau(John)UK
bishara ya kuza bangi na unga na kina dada miili yao ndo biasha bomba ile mbaya na faida yake utashanga mwenyewe mzee mzima azisha basi biashahizo za upate pesa chap chap
ReplyDeleteelfu 15 mpaka 20 tuu? njoo utembeze kahawa na kashata barabarani utaipata pesa hiyo kwa siku
ReplyDeletekauze sura, lione
ReplyDeletewee mdau john (UK) hapa siye tunakuja kuburudisha macho na mapicha za wauza sura, na kuosha vinywa. wee unaleta sijui mambo gani hayo, hata sielewi. Ukiandika muulize nabii yohanna mashaka, hapa ni matusi tu. Ikiwa hauna ngozi ya paka basi utakula polisi, hapa ni matusi mtindo mmoja, kwa hiyo sitisha ushambenga wako mkuu
ReplyDeleteMjasirimali, una mipango mizuri nakupongeza kwa hilo.
ReplyDeleteHapa kwetu biashara ya kufanya ni kuuza pombe. Fungua kajibaa kwenye kona moja nzuri halafu karembe vizuri na mabaa amedi wa kuvutia na plasma tv kila kona. Ongezea pool tables pia.
Tafuta mchaga mmoja anayejua kuchoma nyama na kutengeneza supu vizuri. Mwisho weka Ngwasuma bendi itumbuize kila jioni. Halafu weka tangazo la baa yako kila baaada ya taarifa za habari kwenye redio na tv mda wa saa saba mchana, kumi jioni na saa mbili usiku.
Bongo baa ndo viwanda vyetu. Ukifanya hivyo utapata milions kila siku. Usilenge 15000 sh tu.
Labda ushauri huu utakusaidia. Nakutakia kila laheri.
Mnywaji.
mdau hapo juu kashauri vizuri sana,nunua tractor na ukodishe na ikiwezekana wakulipe wakishavuna na kuuza mazao yao
ReplyDeleteMdau (John) wa UK: Hivi kweli kulikuwa na ulazima wa kulijibu swali hili kwa kiingereza kweli!!!???? Swali limeulizwa kwa lugha tamu na nzuri ya Kiswahili na wewe umelielewa na ndiomaana ukajibu vizuri sana, sasa kiingereza kinatokea wapi???? Ndugu zangu mna matatizo gani au ndio tuwafahamu kwamba mko UK na mmeendelea kwa kujua ung'eng'e?? Angalia unavyojikana na usivyojitambua wewe ni nani???
ReplyDeletesimple maths
ReplyDeleteinvest=300,000/=
faida= 15,000/= daily
faida= 15,000/=x 7days =105,000/= weekly
ndani ya week tatu umesharudisha mtaji wako.
Michuzi manaona watu wengine wanaoleta mambo yao huku wanakua hawatumii akili hata ya kuzaliwa. hii ni hesabu ndogo tu ambayo mtu aliefika darasa la saba anaweza kujua. Hapa bongo biashara itakayo kuongizia faida ya 15,000 per day mtajiwake lazima usiwe chini ya sh 2,500,000 . halafu naomba hapa watu wasichanganye biashara na shughuli za ujuzi amabazo unakuta labda mtu kama fundi simu au fundi computer amefungua kisehemu chake ambapo yeye kwa wastani anaweza akawa anaingiza hata 50,000 as a profit kutokana na ujuzi wake.
Wako Mdau Ambaye anchukia kulipua
(Nitakufa hapa hapa bongo)
Mdau,
ReplyDeleteNilipokuwa naishi Bongo, nilikuwa nawasaidia akina Mama Ntilie. Hawa wanawake ni wachapa kazi sana. Wanaheshimu kazi zao na waku mjini kila siku. Sijataka faida yoyote kwao, ila wengi wao hawawezi kuendeleza biashara kutokana na fedha ndogo ya kuanzisha baishara na viungo Bongo vinapanda bei kila siku kutokana na kuanguka thamani kwa pesa zetu. Kama unataka watu waaminifu, basi akina Mama Ntilie wa mjini (Odeoni, Maktaba, Empress, Zanaki) hawakuibia. Pia, karibu walala hoi wote wanawategemea hawa akina dada kwa chakula cha mchana kutokana na urahisi wa chakula.
John(Mdau UK), either you have been at Mirembe recently or youre' in state of being going to Mirembe soon.
ReplyDeleteHuwezi andika hapa "eti business will go international", tangu lini kuuza wali wa maji maktaba street kukaenda global, kama sio wehu wako wa hapo UK. Nimeshasema b4, unakatabia ka-kucopy mambo ya vitabuni na kuviandika hivyo hivyo,(ku-paste) na nakuomba uache mara moja huo ujinga.
Na-hisi wewe bado unajifunza mambo, na hii ni mara ya nane nakusoma hapa kila mara unaandika kwa herufi kubwa vitu vya ajabu sana, na nahisi una ukilimo fulani hivi. Maliza hiyo shule yako na sio kutusumbua na ujinga wako wa ratios za vitabuni.
Nani anataka kujua uko wapi, ili utoe mawazo ya muuliza swali, kama sio ujinga wa kwenda- au -kuwa ajizi.
Mdau nenda kwanza eneo la tukio kisha utajua nini cha kufanya..Biashara nzuri ni ile uipendayo na usiwe na tamaa...wabongo wameshauri mengi mazuri..nafikir ukifika home ndio utajua nn cha kufanya....
ReplyDeleteJivaz-Moscow
Nakupongeza mdau,
ReplyDeletenikushauri kitu ni vema ufanye biashara na wajasiria mali wa kati, wengi wana biashara zimesajiriwa na wana maeneo rasmi ya kazi, kama una nia ya dhati tuwasiliane anyambilile@gmail.com
Mdau mjasiriamali, eneo moja la biashara ambayo naiona kwa mitaji kama hiyo (ila bila ya faida hiyo kwa siku) ni kilimo cha mpunga katika maeneo kama ya Ifakara, Mtimbila, Kilombero etc.
ReplyDeleteUnakopesha wakulima as low as 10,000 TZ shillings, na wao wakuuzie zao lao baada ya kuvuna na wewe unaweza pia kuwa supplier wao mkubwa wa pembejeo, mbegu, dawa etc.
Ukiwa huko pia unaweza kutafuta generator kubwa ukafunga na kuwauzia umeme mabaa na sehemu zingine za biashara kuanzia saa 1 hadi 6 usiku.
Bakhresa kaanza kukopesha vijana vibaiskeli wauze aisi krimu zake na sasa wanauza mpaka vocha za Zain. Vijana wajasiriamali wanakuja na barua ya mjumbe wao wa serikali za mitaa kuchukua baiskeli na kukopa aisi krimu na kuuza - a brilliant idea if you ask me!
Good advice I read somewhere: "Do what the rich (legally successful) people do!"
Either way, good luck in your endevour! All these from the Issa Michuzi Consultancy Services - free of charge
HII TUNAIITA PYRAMID SCHEME NA NI NOMA PIA NJOO UANZISHA ALAFU TUNAKUKAMATA LUPANGO TUNAKUTAIFISHA VIDOLA VAKO VOTE TUNAKUSUBIRI
ReplyDeleteWAKO AFANDE
Mdau mjasiliamali huyu jamaa wa Tue Nov 24, 04:09:00 AM kakushauri biashara nzuri, ni kweli kama unapata baa sehemu nzuri umeipamba na kuna nyama choma nzuri na ka gesti kazuri basi utajutia kwa nini ulichelewa kurudi bongo!
ReplyDeleteJapo imekaa kama kakebehi flani hivi lakini ukweli ni kwamba biashara ya baa na hoteli na nyumba za kulala wageni kama ukiboresha vizuri mazingira ukafunga baa yako vizuri ndani kukawa na kumbi nzuri ya harusi na hall ya kisasa yenye kiyoyozi na projectors kama tatu hivi kwa ajili ya soka la ulaya,afrika na hata simba na yanga unapata return ya kutosha na sio lazima uanzishe dar,kitu hiki unaweza hata kupeleka Arusha,Mwanza, Morogoro,Iringa mjini pale n.k.japo yahitaji mtaji kiasi lakini nakuhakikishia unapata zaid ya 38% profit!Pia kwa mtaji wako tupo tulioanzia na mtaji huo kwa kununua nguo za mitumba na viatu vya mitumba kipindi hicho na sasa hivi tumejenga kule ambako awali walikaa vigogo tu,tunamiliki maduka kariakoo(fremu rent lak 8 kwa mwezi na unalipa kwa mwaka na nusu na tunamudu! Cha msingi hapa ni kufuata kanuni tu za biashara kwamba hela uliyoingiza kwenye biashara si yako milele! cha kwako wewe ni sehemu ndogo sana ya faida,so ni juhudi zako kuikuza hiyo sehemu ndogo ya faida yako utajikuta biashara yako imeshakua. mfano ukichukua 30000 kwa mwezi kama 10% ya faida yako(300,000) basi pindi utakapofikia 300000 basi jua mtaji wako upo kwenye shs.mil 7.89 toka shs.lak 7.89,je ikiwa sasa unachukua mi 3 kwa mwezi kama 10% ya faida yako je biashara yako ina kiasi gani kwenye mzunguko endapo utakua unapata faida ileile ya 38% kwa mwezi? So kiufupi mdau jaribu kuja kufanya utafiti wa aina gani ya biashara au ni kitu gani tunahitahi na hatuna ili uweze kunyanyuka haraka maana ukweli ni kwamba nchi yetu hamna utendaji katika sheria zinazolinda walaji, bei unaipanga mwenyewe kulingana na nguvu ya soko. kama upatikanaji wa bidhaa yako ni wa shida ujue umeukata tayari maana unweza kuuza bidhaa hadi kw faida ya asilimia 200% na asikuulize afisa yoyote wa serikali!Mfano Mtwara alipozuiliwa Pinda kuna watu wananunua maji ndoo sh.20 wanauza sh.500 je ni asilimia ngapi hiyo ya faida kama si 2500!!?
Kuna nchi gani unayoweza pata faida kama hiyo kama si nchi kama yetu?
safi sana kiboko msheli mpe panadoli huyo uk ushuzz tu mada iliulizwa kwa kiswazz kitammm kama mdau mmoja alivyosema sasa wewe kukurupuka na kiinglish cha herufi kubwa kutuwekea msisitizo ama ukulima hadi huko uliko ingawa kila mtu ana uhuru wa kusema atakacho humu usilete ubishoo wako haihuuu
ReplyDeleteni kweli fungua kaglosali na wahudumu wakike mapepe halafu weka na kachumba kamoja ka shoti taimu na kitanda cha spiringi, mashuka masafi nusu saa sh1000/= hapo wateja watajaa kupanga msululu mf masaa matano una 10,000/=
ReplyDeleteWATU WANAFANYA BUSINESS HII KUNA WATU WAITWA DRAGON DENS, NI MATAJIRI FULANI HIVI WANA KIPINDI BBC, WANACHOFANYA WATU NI KWAMBA WANAPESA ZAO NA NI MATAJIRI KWELI, WATU WANAKUJA NA NA MAWAZO YAO YA BIASHARA ZAO WANAWASIKILIZA NA WANA-WASAILI BIASHARA KWA UJUMLA, ILI WAJUWE UNAFANYAJE BIASHARA YAKO NA UZOEFU WA MUDA GANI NA UNATEGEMEA KUPATA FAIDA KIASI GANI NA KWA MUDA GANI THEN KAI YAO AMBAYE ANAONA BIASHARA YAKO INALIPA ANAKUPA OFFER, PENGINE ANAWEZA KUKUAMBIA MIMI NITAKUPA MTAJI WA SHILINGI 10,000. KWA MFANO LAKINI FAIDA ITAKAYOPATIKANA TUTAGAWANA KWA KAMA HIVI MIMI NITACHUKUA ASILIMIA 40 YA FAIDA NA WEWE 60 OR VICE VERSA SASA WEWE MWENYE BIASHARA UNASKUTI KAMA INALIPA BASI UNAKUBALI OFFER NA MNAANDIKISHANA KWA WANASHERIA IN CASE OF ANY TING THEN MKONO WA SHERIA UTACHUKUWA MKONDO WAKE, NI UTARATIBU MZURI NA UNAFANYIKA DUNIANI KOTE, CHA MSINGI NI KUHUSISHA WAWTU WA SHERIA KWA VILE BINADAMU HATAMINIKI SIKU HIZI.
ReplyDeleteKwa nyota yako inaonyesha una kipaji cha Biashara ndogondogo, hivyo inabidi utuone wazee wa mji kabla hujaanza hiyo bizinesi yako
ReplyDeleteAchana na hayo hapo juu, haya ndio mambo ya sisi wabongo kufikiria.Ukisoma historia za kina Mc Donald na giant business men katika ulimwengu, hivi ndivyo walianza na kukuza mitaji na kuboresha maisha ya wananchi walio chini.Riba(Interest) zinatupeleka nyuma sana na zinatudhulumu sana hussan nchi zetu za kimasikini.Mdau nakuunga mkono nataraji kuona matunda yako ili nasi tufuate mkondo
Mkandawile Haruna
Yombo Dovya
Makangarawe
Jamani John kasahau Kiswahili.
ReplyDeleteJamani hacheni tabia ya kutuandikia kwa herufi kubwa.
ReplyDeleteTanzania nyumba ndio dili na kazi ya kirahisi. Nilitumia dola 200,000 tu kujenga Kariakoo mwaka 2000. Maduka yangu matano tu na ukiyaona utayadharau, nje pachavu, magirisi kila sehemu. Mjini ni ujanja tu mdau. Haya maduka yananiingizia dola 50,000 kila mwezi, ndio kila mwezi. Tatizo kubwa ni kwamba siwezi kutoa macho yangu hapo kwa kuwa Tanzania hamna mtu wa kumwamini kukuendeshea biashara yako. Sijawahi kwenda likizo tangu mwaka 2000. Nimejenga sehemu nyingine lakini kila ninapopata fedha zaidi, akili inazidi kunichanganya kwa kuwa sina msaada wa kuendesha biashara. Ngudu, jamaa na marafiki wote niliowaweka wanaiba nikipinda kona hata kama natoa mishahara mizuri. Binafsi, nimechoka na huenda nitauza biashara yangu na kununua viza ya kuishi Australia.
ReplyDelete