Results for "uchumi"

Dr. Mengi Ataka EAC Kutumia Utajiri Wake Kutengeneza Mabilionea

11:02 AM
MWENYEKITI wa Taasisi ya sekta binafsi nchini (TPSF) Dr. Reginald Mengi amezitaka Nchi za Jumuiya ya Afrika Mashariki kushirikiana katika kutumia utajiri wake mkubwa wa raslimali kunufaika kiuchumi.

Ushirikiano huo ni pamoja na kuzindeleza raslimali hizo na kutumia nembo moja ya kibiashara ili kuzalisha mabilionea wakubwa duniani.

Mwenyekiti huyo alisema hayo katika mkutano wa Taasisi za Sekta Binafsi za Tanzania na Kenya zilizokutana jijini Dar es salaam kujadili kwa pamoja namna ya kuondoa vikwazo vya kufanya biashara baina ya wafanyabiashara wa nchi hizo mbili.

Pamoja na kutoa wito huo Dk Mengi pia amempongeza Rais wa Tanzania Dk John Pombe Magufuli pamoja na serikali yake kwa kuwa mstari wa mbele kuboresha ushirikiano wa kiuchumi kati ya Tanzania na Kenya.

Aidha alisema dhamira yake ya kuigeuza Tanzania kuwa nchi ya viwanda itasaidia kuwakwamua Watanzania kutoka katika umaskini.

Katika mazungumzo hayo ujumbe wa Tanzania uliongozwa na Mwenyekiti wa Taasisi ya Sekta Binafsi Tanzania –TPSF Dr Reginald Mengi na Ujumbe wa Kenya umeongozwa na Gavana wa Taasisi ya Sekta Binafsi ya Kenya – KEPSA Bw. George Owuor.

Akizungumza katika mkutano huo Mkurugenzi Mtendaji wa TPSF Bw. Godfrey Simbeye amesema mkutano huo umeitishwa kutokana na kujitokeza vikwazo vya kufanya biashara baina ya Wafanyabiashara wa Tanzania na Kenya, jambo linalokwamisha malengo ya Jumuiya ya Afrika Mashariki ya kujenga uchumi unaoongozwa na sekta Binafsi.

Kwa upande wake Kiongozi wa Ujumbe wa KEPSA Bw. George Owuor amesema Wafanyabiashara wa Kenya wanapenda sana kushirikiana kibiashara na wenzao wa Tanzania, na wangependa kuona vikwazo vinavyokwamisha mahusiano ya kibiashara vinaondolewa.
Dr. Mengi Ataka EAC Kutumia Utajiri Wake Kutengeneza Mabilionea Dr. Mengi Ataka EAC Kutumia Utajiri Wake Kutengeneza Mabilionea Reviewed by habari motto on 11:02 AM Rating: 5

Uchumi Kufunga Maduka Yake Tanzania Na Uganda

1:59 AM

Maduka ya jumla ya Uchumi yametangaza kufungwa kwa oparesheni zake nchini Tanzania na Uganda katika zoezi la kubana matumizi

 Mkurugenzi mkuu wa maduka hayo Dr.Julius Kipng'etich amesema kuwa bodi yake imeamua kufunga vituo hivyo kwa lengo la kutathmini muundo wa oparesheni zake nchini Kenya. ''Maduka yetu nchini Tanzania na Uganda yanajumlisha asilimia 4.75 ya oparesheni zetu licha ya kutugharimu asilimia 25 ya oparesheni zetu''.

 Maduka ya uchumi katika mataifa hayo mawili hayajazalisha faida yoyote katika kipindi cha miaka 5 swala ambalo linalazimu faida zinazopatikana katika maduka ya Kenya kutumika,alisema Kipng'etich.

 Mkurugenzi huyo amesema kuwa tayari maduka hayo yameandika barua kwa Mamlaka ya masoko nchini Kenya ,soko la hisa pamoja na washikadau muhimu kuhusu uamuzi huo na kuongezea kwamba hivi karibuni uchumi itahitaji kuungwa mkono na wamiliki wa hisa ili kuidhinisha mpango huo.

 Maduka yote katika mataifa hayo mawili yamefungwa.
via BBC Swahili
Uchumi Kufunga Maduka Yake Tanzania Na Uganda Uchumi Kufunga Maduka Yake Tanzania Na Uganda Reviewed by habari motto on 1:59 AM Rating: 5

Forbes 2015 : Mohammed Dewji ndiye mtu tajiri zaidi nchini Tanzania

2:09 PM
Mohammed Dewji ndiye mtu tajiri zaidi nchini Tanzania,kwa mujibu wa Orodha ya mwaka 2015 ya mtandao wa Forbes wa mabilionea 32 barani Afrika.

Awali ni Rostam Aziz ndiye aliyekuwa akishikilia nafasi hiyo.

Kwa mujibu wa Forbes,Dewji mwenye mri wa miaka 39 ana utajiri wa dola bilioni 1.3 utajiri huo unamfanya mfanya biashara huyo ambaye pia ni mbunge wa Singida Mjini,kushika nafasi ya 1,500 katika orodha ya watu matajiri duniani,nafasi ya 31 barani Afrika na nafasi ya kwanza Tanzania.

Rostam Aziz,50, mwenye utajiri wa dola bilion 1 anakamata nafasi ya 1,741 duniani,nafasi ya 32 barani Afrika na nafasi ya pili nchini.
Forbes 2015 : Mohammed Dewji ndiye mtu tajiri zaidi nchini Tanzania Forbes 2015 : Mohammed Dewji ndiye mtu tajiri zaidi nchini Tanzania Reviewed by habari motto on 2:09 PM Rating: 5

Mamilioni Yatafunwa Kutokana na Ukodishaji ndege Air Tanzania

8:13 AM



Bodi ya Wakurugenzi ya shirika la ndege la taifa ATCL imemuamuru Kaimu Mkurugenzi Mkuu wa shirika hilo Johnson Mfinanga kuwa simamisha kazi Mkurugenzi wa Fedha ajulikanaye kwa jina la Badru, Meneja wa Fedha Witness Mbaga, na kusimamisha mkataba wa cashier kwa uchotaji wa fedha za malipo ya kukodi ndege.

Mkurugenzi Mkuu aliye staafu mwezi huu wa February, alikodi ndege toka kampuni ya AVMAX ya Kenya bila kufuata taratibu za sheria ya manunuzi hivyo kujiwekea cha juu na kuandika hati ya malipo kwa kuwatumia watajwa hapo juu na kweda kuchukua pesa bank kwa pesa ya Kitanzania inayolingana na dollar elfu tano kila mwezi na wakati mwingine zaidi ya hapo kwa kipindi chote ndege hiyo ilipo kuwa ATCL.

Habari zaidi toka ndani ya shirika zina sema AVMAX wanadai kutopokea $55,000 kama sehemu ya malipo japo ndani ya shirika inasemekana pesa hiyo imelipwa na kupelekwa isipo julikana.
Mamilioni Yatafunwa Kutokana na Ukodishaji ndege Air Tanzania Mamilioni Yatafunwa Kutokana na Ukodishaji ndege Air Tanzania Reviewed by habari motto on 8:13 AM Rating: 5

Raisi Kikwete Arejea Nchini Na Kiti Kipya

8:36 AM
Waziri wa nchi Ofisi ya Rais Profesa Mark Mwandosya akimkaribisha Mwenyekiti mpya wa Jumuiya ya Afrika Mashariki , Rais Dkt.Jakaya Mrisho Kikwete muda mfupi baada ya Rais kuwasili katika uwanja wa kimataifa wa Mwalimu Julius Nyerere akitokea Nairobi Kenya ambapo alihudhuria mkutano wa kilele wa wakuu wa nchi Jumuiya ya Afrika Mashariki.Kushoto ni Waziri wa Elimu na Mafunzo Dkt.Shukuru Kawambwa(picha na Freddy Maro)
Raisi Kikwete Arejea Nchini Na Kiti Kipya Raisi Kikwete Arejea Nchini Na Kiti Kipya Reviewed by habari motto on 8:36 AM Rating: 5

FASTJET YASAFIRISHA ABIRIA WA MILIONI MOJA

11:44 AM
Meneja Mkuu wa Fastjet wa kanda ya Afrika Mashariki, Jimmy Kibati (kushoto), akiwa na Grace Makazi ambaye alipokea ofa ya tiketi mbili za bure kama abiria wa milioni moja wa shirika hilo la ndege mara baada ya kutua jijini Dar es Salaam juzi, Shirika la Fastjet limetoa tiketi mbili za bure kwenda na kurudi mahali popote ndani ya nchi kwa abiria wake wa millioni moja.
Meneja Mkuu wa Fastjet wa kanda ya Afrika Mashariki, Jimmy Kibati akiwa kwenye picha ya pamoja na Grace Makazi na wafanyakazi wa Fastjet.
Meneja Mkuu wa Fastjet wa kanda ya Afrika Mashariki, Jimmy Kibati akiwa kwenye picha ya pamoja na wafanyakazi wa Fastjet mara baada ya kuwasili kwa mteja wa millioni moja wa shirika hilo bi. Grace Makazi.

Na Mwandishi Wetu.

Fastjet shirika la ndege la gharama nafuu limesafirisha abiria wake wa milioni moja, ndani ya kipindi cha miaka miwili tangu shirika hili inayofanya masafa yake Afrika kuzinduliwa.

Mteja huyo aliyebahatika, Grace Makazi, akiongozana na mtoto wake Marieta alisafiri kutoka Mbeya kwenda Dar es Salaam katika ndege aina ya Airbus A319. Kuadhimisha mafanikio hayo, abiria huyo alipotua alikutana na Meneja Mkuu wa Fastjet kwa kanda ya Afrika Mashariki Bw. Jimmy Kibati, pamoja na wafanyakazi wengine kutoka kwenye shirika hilo.

Alipofika jijini Dar es Salaam abiria huyo aliyeonekana akiwa na furaha, ambaye alikuwa amepanda shirika hilo kwa mara ya pili, alisema, “Kitendo cha kukutana na wafanyakazi wa Fastjet kama abiria wao wa milioni moja ilikuwa yakipekee sana.”

Bi. Makazi, ambaye ni askari polisi kutoka jijini Dar es Salaam, alisafiri kwenda mbeya kuwatembelea wazazi wake huku akitumia ndege ya Fastjet ambayo inasafiri mara mbili kwa wiki kati ya makao makuu ya biashara ya nchi na ‘mji huo wa kijani’. Hapo awali alikuwa anategemea kupanda basi na kusafiri umbali wa kilometa 870.

“Kusafiri kwa basi kulikuwa kuna chosha sana lakini sasa ninaweza nikapanda Fastjet. Ninafuraha kubwa sana kutumia shirika hili la ndege, safari zao za gharama nafuu ina maanisha kwamba abiria wengi zaidi wanaweza wakasafiri kwenda sehemu tofauti tofauti,” alisema Grace.
Fastjet inatoa huduma ya safari za ndani na nje kwa wastani ya mara saba kwa siku.

Abiria huyo wa milioni moja wa Fastjet, baada ya kupewa ofa ya kuchagua kusafiri kwenda katika sehemu yeyote tofauti inayokwenda nchini, alisema, “Napenda kusafiri kwenda Mwanza halafu nielekee Bukoba kuweza kuwasalimia wakwe zangu.”

Shirika hilo linatoa safari kati ya Dar es Salaam na mji huo wa ‘Rock City’ mara tatu kwa siku na kwa sasa ndio safari inayojaza abiria kwa wingi kupitia sehemu zozote zingine.

Bw. Kibati baada ya kumzawadia Bi. Makazi na tiketi mbili alisema, “Fastjet Tanzania inayofuraha kusafirisha abiria wake wa milioni moja ndani ya miezi 25 tangu kuanza kwa safari zetu nchini. Hii imefanikishwa kutokana na abiria walio wazalendo kwetu na wafanyakazi walio weka jitihada ya dhati kabisa katika haya mafanikio.”

Tangu kuanzishwa kwa shirika hili nchini mwaka 2012, Fastjet imekuwa kwa kasi kama shirika la ndege la gharama nafuu ndani ya Afrika Mashariki huku idadi ya abiria ikizidi kuongezeka siku hadi siku.

“Tunafikia malengo yetu ya ukuaji kwa kuwapatia wetu unafuu wa bei za tiketi za kusafiria na nyongeza ya safari kwenda ruti tofuati tofauti nchini. Fastjet inayofuraha kubwa kusaidia kufungua anga za Afrika,” alieleza Kibati. Shirika hili la Kitanzania ilifanikisha hili kwa kufanya safari zake bila kuchelewa kwa asilimia 90 ndani ya mwaka 2014 kutokana na maelezo ya meneja huyo.

Bw. Kibati pia alielezea kwamba pamoja na kwamba Afrika ina idadi kubwa ya watu zaidi ya bilioni moja, bara hili lina asilimia tatu tu ya abiria wote wanaosafiri duniani. Akidhihirisha mchango wa Fastjet katika kutoa huduma ya safari za ndege kwa gharama nafuu kwenda sehemu tofauti tofauti, “Mwaka huu tunatarajia kuongeza huduma zetu kwa kushirikiana na wadau mabali mbali na taasisi zenye dira kama serikali ya Tanzania ambao ni wadau wakubwa sana na wenye uelewa wakuendeleza uunganishwaji wa miji tofauti tofauti kupitia anga barani Afrika.”
FASTJET YASAFIRISHA ABIRIA WA MILIONI MOJA FASTJET YASAFIRISHA ABIRIA WA MILIONI MOJA Reviewed by habari motto on 11:44 AM Rating: 5

Haya Ni Mambo 6 Ya Kukufanya Kuwa Mwenye Mafanikio Zaidi Kikazi

1:46 PM
Mchangiaji kwenye website ya Forbes.com, Lisa Quast amekuandalia mambo kadhaa ambayo ukiyazingatia unaweza kuugeuza mwaka 2015 kuwa wenye mafanikio kwako kazini.

1. Jitazame kwenye kioo
Anza kwa kujiona mwenyewe kama bidhaa yenye ushindani. Andika orodha ya nguvu zako, udhaifu na utofauti na kisha jipe changamoto mwenyewe kwa kukabiliana na udhaifu wowote na kujiboresha.

2. Fafanua mataminio yako ya kikazi
Kama hujui wapi unataka kwenda, utafikaje hapo? Chukua muda kufafanua ndoto zako. Unataka kuwa wapi kwenye kazi yako katika miaka mitatu, mitano, kumi ijayo?

3. Jitahidi ufahamu ushindani
Ushindani ni ukweli kuhusu maisha. Ujuzi wako unawazidi vipi wengine? Kuelewa ushindani wako kutakusaidia kutambua advantage na vitisho, na kukusaidia kuamua kuhusu hatua unazotakiwa kuchukua ili kushindana kwa kujiboresha mwenyewe

4. Tambua malengo yako na tengeneza mpango wako
Malengo humulika kile unachotaka kufanikisha kujiboresha mwenyewe na kuendelea kusonga mbele kwenye kazi yako. Malengo yanakuhakikishia kuwa unaelekea kwenye uelekeo sahihi na utafikia ndoto zako haraka na kwa uhakika.

5. Usisubiri kuanza
Hakuna muda mwingine kama sasa. Usiache hofu ya usiyoyajua ikukwamishe. Mipango mikakati ya kazi, kama mawazo, hufanya kazi kama tu ukiitekeleza.

6. Sherehekea mafanikio yako
Usisubiri wengine wamulike mafanikio yako. Jipe moyo mwenyewe na zawadi (viatu vipya, kwenda movie au special dinner), kukusaidia kukupa motisha katika njia unayopitia kufikia ndoto zako za kazi.
Kama ule usemi wa zamani usemavyo: ‘Kama ukiendelea kufanya kile ulichozea kufanya, utaendelea kuwa pale ulipozea kuwa.’ Ufanye 2015 mwaka wa kubadilisha kile umekuwa ukifanya kwa kuthubutu kuota, na kisha kutengeneza mpango wa vitendo utakaokusaidia kufikia ndoto zako za kazi. Unaweza kufanya.
Haya Ni Mambo 6 Ya Kukufanya Kuwa Mwenye Mafanikio Zaidi Kikazi Haya Ni Mambo 6 Ya Kukufanya Kuwa Mwenye Mafanikio Zaidi Kikazi Reviewed by habari motto on 1:46 PM Rating: 5

Huyu Ndiye Mwanamke Mweusi, Tajiri Zaidi Duniani

2:29 PM
Bilionea wa Nigeria, Folorunsho Alakija amempiku Oprah Winfrey kama mwanamke mweusi tajiri zaidi duniani kwa kuwa na utajiri wa dola bilioni 7.3 kwa mujibu wa orodha iliyotolewa na jarida la Ventures Africa. Bilionea wa Nigeria, Folorunsho Alakija amempiku Oprah Winfrey kama mwanamke mweusi tajiri zaidi duniani kwa kuwa na utajiri wa dola bilioni 7.3 kwa mujibu wa orodha iliyotolewa na jarida la Ventures Africa.
Oprah ana utajiri ufikao dola bilioni 2.9 kwa mujibu wa Forbes. Hata hivyo orodha ya hivi karibuni ya Forbes ilionesha kuwa Alakija ana utajiri wa dola bilioni 2.5.
Utajiri wa mwanamke huyo umetokana na biashara ya mafuta na anamiliki visima vingi vya mafuta nchini Nigeria.
Huyu Ndiye Mwanamke Mweusi, Tajiri Zaidi Duniani Huyu Ndiye Mwanamke Mweusi, Tajiri Zaidi Duniani Reviewed by habari motto on 2:29 PM Rating: 5

Hizi Ni Kauli Saba (7) Za Kutumia Kwenye Biashara.

2:13 PM
Si mara moja tumewahi kusikia msemo unaosema; "Usimuhukumu mtu kwa anachosema, bali kwa anachotenda". Lakini katika biashara msemo huo unawekwa kando kabisa, 
ukikosea kitu cha kusema kwa mteja wako basi unamfanya akutafsiri anavyojua yeye, na unaweza ukampoteza kabisa. Hebu tuangalie kauli 7 ambazo unatakiwa uzitumie kwa mteja wako:

1.TAJA JINA LAKE KWA USAHIHI:
Usije ukarogwa na kuropoka vibaya jina la mteja wako kama umeamua kulitaja. Hakuna kitu kinachomkasirisha mteja kama jina lake kutajwa vibaya au umwite jina tofauti na lake. Kwa wateja wengi hii huashiria kwamba haujali kuwafahamu na hana umuhimu. Unatakiwa kama mteja umekutana naye kwa mara ya kwanza, ni vyema kumuuliza jina lake na kama unajijua ni mwepesi kusahau ni bora uandike mahali.

2.TAJA SAHIHI JINA LA KAMPUNI YAKE:
Hapa napo kama unafanya biashara na kampuni fulani kuwa makini kulifahamu jina lake.
Na unapotaka kuitaja hakikisha unajua namna ya kuitamka,  kwani ukikosea tu inapunguza morali wa kampuni kufanya biashara na wewe.
3.TAJA BEI YA UHAKIKA:
Mara kwa mara unakutana na mfanyabiashara anakubaliana bei na mteja na anatumia kauli kama; "bei yake ni kati ya....mpaka..." Hii itamuonyesha mteja kuwa wewe unataka kumdhulumu, kwani kama unajua bei halisi uliyonunulia bidhaa yako,  lazima utakuwa unajua kiwango kamili cha kutaja.

4.USIMDHANIE MTEJA WAKO:
Kuna baadhi ya wafanyabiashara wanapenda kuwadhania wateja wao kwa nia ya kutaka kuwa karibu zaid nao. Kwa mfano mteja anafika dukani na mtu pembeni; yeye bila kuuliza anaanza kumwita yule wa pembeni shemeji au wifi, bila kufahamu uhusiano wao. Hili linawakasirisha wateja wengi sana na kuona unaingilia maisha yao.

5.USIJIRAHISISHE KUPITILIZA:
Ikiwa unaelewana biashara na mteja wako,  ni vyema usionyeshe  kana kwamba usipopata tenda yake biashara yako itayumba. Wateja wengi huwa hawapendi kufanya biashara na wafanyabishara ambao hawako imara.

6.USIKISIE HOVYO KAZI YA MTEJA:
Ukiwa unataka kufanya bishara na ama mtu au kampuni ni vyema  ukauliza shughuli zake, kuliko wewe kujifanya mtabiri na kukosea. Ni afadhali kama hujaijua shughuli yake umuulize, na yeye akakutajia.

7.USIMDANGANYE WAZI WAZI:
Kuna baadhi ya wafanyabiashara anaongeza mbwe mbwe nyingi, mpaka mteja anaingia shaka. Kwa mfano, unamwambia mteja kuwa ikiwa atawapa tenda basi utamchagulia 
wafanyakazi wa kiwango cha juu kufanya shughuli yake. Hii itatuma tafsiri kuwa inawezekana biashara yako ina matabaka ya wafanyakazi wanaojua na wasiojua,  na atahisi wazi unamdanganya ili tu akupe tenda.
Hizi Ni Kauli Saba (7) Za Kutumia Kwenye Biashara. Hizi Ni Kauli Saba (7) Za Kutumia Kwenye Biashara. Reviewed by habari motto on 2:13 PM Rating: 5

Bank Ya CRDB Yaibuka Kidedea Tuzo Za NBAA

9:54 AM
 Naibu waziri wa fedha Adam Malima akimkabidhi meneja wa fedha wa benki ya CRDB Sosteness Biseko  tuzo  ya NBAA ya ushindi  katika  uandaaji wa taarifa bora za fedha mwaka 2013-2014,jumla ya benki tisa zilishiriki ambapo Benki ya CRDB iliibuka mshindi wa kwanza katika kundi la mabenki, hafla hiyo ilifanyika juzi katika hotel ya Mount Meru jijini Arusha
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Mashirika binafsi ,taasisi na idara mbalimbali za serikali zimehimizwa kushiriki katika mashindano ya tuzo zinazotolewa na bodi ya wahasibu na wakaguzi wa hesabu nchini NBAA katika uandaaji bora wa taarifa za fedha za mwaka ili kuboresha hesabu za mashiriki hayo na kuongeza uwazi katika shughuli za biashara za ndani ya nchi na kimataifa 

Mwenyekiti wa bodi ya wahasibu na wakaguzi wa hesabu nchini NBAA Profesa Issaya Jairo ametoa kauli hiyo jijini Arusha wakati wa kufunga  mkutano mkuu wa mwaka wa bodi hiyo ulio enda sambamba na utoaji wa tuzo na vyeti kwa washindi  katika uaandaaji  bora wa taarifa za fedha za mwaka ambapo kwa mwaka 2014 jumla ya washiriki 40 walishiriki ambao waligawanywa katika makundi 11 kulingana na huduma wanayo itoa

Katika kundi la mabenki, benki ya crdb ilibuka mshindi  wa kwanza kwa mwaka2013-2014 na kupata tuzo maalumu ya uandaaji  wa taarifa bora  za fedha za mwaka iliyokabidhiwa na naibu waziri wa fehda Adam Malima  kwa meneja wa fedha wa benki hiyo Sosthenes Biseko ambaye akizungumzia ushindi huo amesema ni njia mojawapo ya kuudhihirishia umma wa watanzania kuendelea kuwa na Imani na benki. 
Wafanyakazi mbalimbali wa benki ya CRDB wakiwa katika picha wakati wa makabidhiano hayo.
Bank Ya CRDB Yaibuka Kidedea Tuzo Za NBAA Bank Ya CRDB Yaibuka Kidedea Tuzo Za NBAA Reviewed by habari motto on 9:54 AM Rating: 5

Jifunze Njia sahihi ya kubajeti Mshahara wako

9:25 AM
Elimu ya hela na matumizi yake ni muhimu kuliko elimu nyingine yoyote kwa watu wanaofanya kazi za kuajiriwa, jambo la kusikitisha ni kwamba haifundishwi mashuleni na ni pasenti ndogo ya wazazi wanaofundisha watoto wao namna ya kutumia hela. Watu wanamaliza chuo kikuu, wanaanza kazi na bado wanaishia kukopa kwasababu ya kutokujua namna ya kubajeti matumizi.
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Katika hii blog posti, utajifunza namna ya kupanga bajeti yako, namna ya kusavu hela na kusaidia ndugu zako. Watu wengi wanaishi maisha yasiyo na furaha kutokana na matumizi mabaya ya hela. Unakuta mtu anafanya kazi lakini anaishi mshahara kwa mshahara, huo ni utumwa.
Ukiangalia instagram utakuta watu wanafurahia mwisho wa mwezi ukifika, kisa? paycheck imeingia… Watu matajiri na waliofanikiwa kifedha,wanabajeti hela zao namna hii.
Asilimia 30% – inaenda kwenye kulipia kodi ya nyumba kwa walo wanaopangisha, au wanaojenga. Kama wewe tayari una nyumba, unaweza ukaweka asilimia 30 kwenye “investment” nyingine.
Asilimia 10 – inaenda kusaidia ngudu na wasiojiweza. Jinsi unavyotoa hela ndio jinsi zinavyoingia, hivi ndivyo dunia ilivyo.
Asimilia 10 inaenda kwenye savings account.
Asilimia 40 ndio ya matumizi yako ikiwemo chakula, usafiri, mavazi n.k.
Asilimia 10 inayobaki inaenda kwenye starehe “intertainment”.
Ukifuata hii formula, utajikuta muda wote una hela kwenye savings account kwa ajili ya emergency. Hamna haja ya kwenda kukopa, au kusubiri mwisho wa mwezi ili uende kutembea bagamoyo. Bagamoyo unaenda muda wowote kwani tayari umeshaweka fungu lake pembeni. Ukiishi kwa namna hii utakuwa na control na maisha yako na hutakuwa na matumizi makubwa kuliko kipato chako. Na kwasababu unaweka asilimia 10 kusaidia watu, utajikuta hela zinakurudia kwa namna ambavyo huwezi kuelezea.
Je wewe una unapangaje matumizi yako, acha komenti hapo chini.
Jifunze Njia sahihi ya kubajeti Mshahara wako Jifunze Njia sahihi ya kubajeti Mshahara wako Reviewed by habari motto on 9:25 AM Rating: 5

Hizi Ni Hatua 5 Muhimu Za Kutengeneza Wazo Bora La Biashara

8:03 PM

Good-business-ideas Kutokana na hali ngumu ya kiuchumi na ukosefu wa ajira, kujiajiri imekuwa njia bora ya kujipatia kipato. Watu wengi wanasukumwa kuingia kwenye biashara au ujasiriamali kutokana na kukosa ajira au kipato cha ajira kuwa kidogo ukilinganisha na gharama za maisha.  Ili kuweza kufanikiwa kwenye biashara unahitaji kuwa na wazo zuri la biashara. Je unajua jinsi ya kupata wazo hilo zuri la biashara? Watu wengi wamekuwa wakiomba ushauri ni wazo gani zuri la biashara ambalo linaweza kuwapatia faida na mafanikio. Ukweli ni kwamba wazo ambalo ni bora kwa mtu fulani linaweza lisiwe bora kwako. Moja ya sababu zinazofanya biashara nyingi kufa au kutokuendelea ni kuiga, yaani mtu akianza biashara leo baada ya muda unakuta watu wengine wameiga biashara ile ile, wanaifanya eneo lile lile na kwa mbinu zile zile. Hii ni njia rahisi sana ya kushindwa kwenye biashara. Leo tutajadili njia tano unazoweza kutumia kupata wazo bora la biashara ambayo itakupatia mafanikio makubwa. Kwa kutumia njia hizi utatengeneza wazo lako mwenyewe na utaweza kulifanyia kazi vizuri sana. Zifuatazo ni njia tano unazoweza kupitia katika kutengeneza wazo zuri la biashara: 1. Unapenda vitu gani? Kila mmoja wetu kuna vitu ambavyo anavipenda sana. Vitu hivi vinaweza kuwa ni vipaji vyako au ni vitu ambavyo umetokea kuvutiwa navyo na hivyo kupenda kuvifuatilia. Inawezekana unapenda mitindo, unapenda kutumia intaneti, unapenda kujifunza zaidi, unapenda watoto, unapenda magari au unapenda michezo fulani. Orodhesha vitu vyote ambavyo unapenda kuvifanya na unapenda kuvifuatilia. Hakikisha vitu unavyoorodhesha unavipenda kweli na upo tayari kuvifanya hata kama hulipwi fedha. 2. Una ujuzi au uzoefu  gani? Katika maisha yako kuna ujuzi au uzoefu ambao umeupata. Yawezekana umesomea fani fulani au umewahi kufanya kazi ambayo ilikupatia ujuzi fulani. Orodhesha ujuzi wote ambao umeupata kutoka kwenye elimu na hata kujisomea au kufuatailia watu waliofanikiwa. Pia orodhesha uzoefu wowote ambao umewahi kuupata kwa kazi ambazo umewahi kufanya, iwe ni ajira kujiajiri au hata kujitolea. 3. Watu wanaokuzunguka wana matatizo gani? Angalia jamii inayokuzunguka ina matatizo au changamoto gani ambazo watu wako tayari kulipa kama kutakuwa na suluhisho. Angalia changamoto ambazo zinaendana na vitu unavyopenda kufanya  na ujuzi au uzoefu wako. Ni rahisi sana kuzijua changamoto za jamii inayokuzunguka kama unaishi kwenye enao hilo na itakuwa rahisi zaidi kwako kuwashawishi kufanya biashara na wewe. Kila jamii ina changamoto zake hivyo kama ukifikiri na kuchunguza vizuri utapata changamoto nyingi za jamii inayokuzunguka. 4. Angalia biashara nyingine zinazokuzunguka. Baadha ya kujua changamoto zinazowakabili watu kwenye jamii yako angalia biashara ambazo zinafanyika kwenye eneo hilo ambazo zinajaribu kutatua changamoto hizo. Jifunze biashara hizo kwa undani sana, jua uimara wao uko wapi na mapungufu yao yako wapi. Jua ni vitu gani ambavyo wanakosa  na wewe unaweza kuvitoa kwa ubora wa juu sana. Pia jua ni malalamiko gani ambayo wateja wanatoa kwenye biashara hizo au ni vitu gani wateja wanataka lakini wanakosa. 5. Kamilisha wazo lako la biashara lenye ubunifu mkubwa. Baada ya kuorodhesha vitu ambavyo unapenda kuvifanya na kuorodhesha ujuzi au uzoefu uliowahi kuupata, changanya vitu hivi viwili na uone ni jinsi gani watu wanaweza kukulipa kwa kitu kimoja unachopenda kufanya na una ujuzi au uzoefu fulani. Baada ya kuamua kitu kimoja ambacho utakifanya na kujiridhisha kwamba watu wanaweza kukulipa kwa kufanya kitu hiko angalia matatizo au changamoto ambazo zinawakabili watu wanaokuzunguka. Angalia jinsi ambavyo kitu ulichoamua kufanya kinaweza kutatua matatizo au changamoto hizo. Angalia wanaofanya biashara kama hiyo ambayo unayotaka kufanya wana ubora gani na mapungufu gani. Baada ya yote haya sasa unaweza kukamilisha wazo lako la biashara kwa kuweka vitu tofauti na wale wanaofanya biashara hiyo. Kuwa mbunifu na weka utofauti ili uweze kupata wateja wengi zaidi na kufanikiwa kupitia biashara hiyo. Kwa kutumia njia hizo tano hapo juu unaweza kupata wazo bora kabisa la biashara. Kumbuka wazo bora la biashara ni sehemu ndogo sana ya mafanikio ya biashara, sehemu kubwa ya mafanikio ya biashara inatokana na kufanya kazi kwa bidii na maarifa na pia kuwa na uvumilivu mkubwa. Uzuri wa kutengeneza wazo lako la biashara ni kwamba itakuwezesha kuwa na uvumilivu pale mambo yatakapokuwa magumu kwa sababu unachofanya ni kitu ambacho unakipenda. Nakutakia mafanikio makubwa kwenye biashara yako
Hizi Ni Hatua 5 Muhimu Za Kutengeneza Wazo Bora La Biashara Hizi Ni Hatua 5 Muhimu Za Kutengeneza Wazo Bora La Biashara Reviewed by habari motto on 8:03 PM Rating: 5

Huyu Ndiye Mtanzania Na Tajiri Mdogo Zaidi Africa

9:08 AM
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24. Mohammed Dewji
Net Worth: $2 BILLION
Industry: Diversified
Country of Citizenship: Tanzania
Age: 39
Number of Jobs Created: 16,800
Mohammed Dewji has seen his net worth rise considerably over the past year as his MeTL group, a conglomerate in 11 countries with interests in trade, FMCG and manufacturing, undergoes significant expansion.

Huyu Ndiye Mtanzania Na Tajiri Mdogo Zaidi Africa Huyu Ndiye Mtanzania Na Tajiri Mdogo Zaidi Africa Reviewed by habari motto on 9:08 AM Rating: 5

Hii Ndiyo Saa ghali zaidi duniani

8:20 AM


Saa ghali zaidi duniani imenunuliwa mnadani huko Geneva,Uswiss kwa gharama ya dola za kimarekani milioni 21.3.
Saa hiyo imetengenezwa kwa kutumia karati ishirini na moja za dhahabu na ina uzito wa nusu kilo,saa hiyo iliyoundwa kwa mbwembwe ilitengenezwa mahsusi kwa ajili ya mtoto wa mfanya biashara,Henry Graves mnamo mwaka 1930.
Na ilimchukua miaka nane kwa watengeneza saa maarufu wa Uswis kuikamilisha hiyo saa ghali ambaye ni Patek Philippe.
Saa hiyo ilinunuliwa siku mbili tu baada ya mmiliki wa mwisho kufariki dunia kutoka falme za kiarabu Saud Bin Mohammed Al-Thani.

Hii Ndiyo Saa ghali zaidi duniani Hii Ndiyo Saa ghali zaidi duniani Reviewed by habari motto on 8:20 AM Rating: 5

Baada ya Noti Ya ELFU MOJA Kukosewa, Benki Kuu Yatoa Tamko

2:11 PM

Shillingi elfu 1Kumbukumbu zako ziko sawa kuhusu yale malalamiko ya kukosewa kwa picha ya baba wa taifa hayati Mwalimu Nyerere kwenye noti ya shilingi elfu moja? basi kama hazipo sawa, ichukue hiyo.
Baada ya hayo malalamiko unaambiwa Benki Kuu ya Tanzania imesema imeanza kufanyia kazi malalamiko ya kukosewa kwa picha ya Rais wa kwanza wa Tanzania, Marehemu Mwalimu Julius Nyerere ambapo mkurugenzi wa huduma za kibenki Emmanuel Boaz amesema tayari benki hiyo imeanza kufanyia kazi hayo malalamiko baada ya kusoma katika mitandao ya jamii.
Mwananchi wameandika mkurugenzi huyo alisema BoT haijapata taarifa rasmi kutoka kwa mtu yoyote lakini wameamua kuzifanyia kazi taarifa hizo >>>“Na sisi tumesoma katika mitandao, hakuna taarifa rasmi tuliyoipata lakini hatuwezi kudharau tuhuma hizo na endapo tukigundua kuna matatizo tutachukua hatua za kubadilisha haraka”
Kwa mujibu wa mkurugenzi huyo, suala la picha kukosewa sio geni kwani ilishawahi kutokea mara kadhaa kwa marais wastaafu na BoT ililazimika kubadili haraka ili kutoharibu mtazamo wa Taifa ambapo alitoa mfano wa picha ya Mwalimu Nyerere kukosewa na kuonekana nguo aliyovaa imefanana na blauzi lakini pia picha ya Rais Ally Hassani Mwinyi ambayo ilionekana shingoni ana mikunjo.
Kutokana na hali hiyo, mkurugenzi huyo aliwatoa hofu Watanzania kuwa endapo itabainika kama noti hizo zina kasoro zitarekebishwa ambapo hivi karibuni, mitandao ya kijamii iliwakariri wanafamilia ya Rais huyo wa kwanza wakilalamikia picha hiyo kwenye noti ya Sh1,000 kukosewa.
Baada ya Noti Ya ELFU MOJA Kukosewa, Benki Kuu Yatoa Tamko Baada ya Noti Ya ELFU MOJA Kukosewa, Benki Kuu Yatoa Tamko Reviewed by habari motto on 2:11 PM Rating: 5

Hawa ni Maraisi matajiri Bara la Africa

9:05 AM
Here is a brief overview of the richest Presidents in Africa.
The 9 Richest African Presidents and Kings as of 2014
9) Robert Mugabe – Net Worth: $10 Million
Country: Zimbabwe, Years in Power: 26
Robert Mugabe is the President of Zimbabwe. His net worth is estimated to be around $10 million. The dictator’s family is very wealthy. Mugabe has won many elections, although frequently these have been criticized by outsiders for violating various electoral procedures.
Robert Gabriel Mugabe, president of the Republic of Zimbabwe, sits in the Plenary Hall of the United Nations (UN) building in Addis Ababa, Ethiopia, during the 12th African Union (AU) Summit.

8) Idriss Deby – Net Worth: $50 Million

Country: Chad, Years in Power: 23
Idriss Deby has been the President of Chad since 1990. His net worth is estimated to be $50 million. Towards the end of August 2006, he made international news after calling for his nation to have 60 percent stake in its output after receiving crumbs from foreign companies running the industry.
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=6) Goodluck Jonathan – Net Worth: $100 Million

Country: Nigeria, Years in Power: 4
Goodluck Jonathan is the President of Nigeria. His net worth is estimated to be around $100 million. He launched a “Roadmap for Power Sector Reform”, launched the Youth Enterprise with Innovation in Nigeria and launched the Transformation Agenda. He is a member of the ruling “People Democratic Party”.
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=6) King Mswati III – Net Worth: $100 Million

Country: Swaziland, Years in Power: 28
The 15th richest royal in the world, according to Forbes Magazine. Mswati III is the King of Swaziland. He is worth more than $100 million; down $100 million of his 2012 ($200 million) fortune. The King has often been criticized for his lavish spending. In 2009 summer, several of his 13 wives reportedly spent over $6 million in a shopping spree. In the 2014 budget, parliament allocated $61 million for the King’s annual household budget, while 63 percent of Swazis live on less than $1.25 per day. His luxury car collection include a $500,000 Daimler Chrysler’s flagship Maybach 62. And has banned the photography of his cars.
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5) Paul Biya – Net Worth: $200 Million

Country: Cameroon, Years in Power: 31
Paul Biya has been the President of Cameroon since November 6 1982. His estimated net worth is around $200 million; this figure was published by the ForeignPolicy.com. Around 48 percent of the citizens of Cameroon live below the poverty line. Catholic Committee against Hunger and for Development (CCFD) and several on-and-offline media has placed him in the list of leaders with ill-gotten wealth. In 2009,  French online newspaper, Rue 89, reported the Cameroon President’s vacation was the top most expensive among world leaders. More than that of the American President. He was criticized for spending 30,000 euros ($40,000) per day on renting a villa.
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4) Uhuru Kenyatta – Net Worth: $500 Million

Country: Kenya, Years in Power: 1
Uhuru Muigai Kenyatta is the President of Kenya and the son of Kenya’s first President, Jomo Kenyatta. In 2011, Forbes estimated his net worth at $500 million. Most of his wealth comes from property. With his family, the President owns stakes in Kenya’s largest dairy company Brookside Dairies, media company Mediamax, Heritage Hotels, Commercial Bank of Africa and hundreds of thousands of prime Kenyan land. He is regarded as man of the people due to his sociability. During his inaugural speech, he promised economic transformation through Vision 2030, free maternal care and unity among all Kenyans.
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3) Teodoro Obiang Nguema Mbasogo – $600 Million

Country: Equatorial Guinea, Years in Power: 34
Teodoro Obiang Nguema Mbasogo is the President of Equatorial Guinea. He came to power in August 1979 by ousting his uncle Francisco Macias Nguema in a military coup. He has overseen the emergence of the nation as an important oil producer, beginning in 1990s. This President and his family literally own the economy, his personal fortune exceed $600 million, according to Forbes Magazine. In October 2011, the United States government seized $70 million assets of his son, Teodoro Nguema Obiang Mangue. Though Equatorial Guinea is Africa’s second richest nation, majority of the population actually live under the poverty line.
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2) Mohammed VI of Morocco – Net Worth: $2.5 Billion

Country: Morocco, Years in Power: 15
Mohammed VI is the current King of Morocco. He is also the country’s leading businessman. He is worth more than $2.5 billion, according to Forbes. The King ascended to the throne following his father’s death in 1999 and he immediately set about improving upon his appalling human rights record and alleviating poverty.
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1) Jose Eduardo dos Santos – Net Worth: $20 Billion

Country: Angola, Years in Power: 34
Jose Eduardo dos Santos is the President of Angola. He has held on to this post since 1979. His personal estimated wealth exceed more than $20 billion, according to Cabinda Online. While around 70 percent of Angolans live on less than two dollars a day. His daughter, Isabel dos Santos is among the Forbes Africa’s billionaires with a net worth of $3.8 billion. She’s currently Africa’s richest woman and also the world’s richest black woman.
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Source – RichestLifestyle.com
Hawa ni Maraisi matajiri Bara la Africa Hawa ni Maraisi matajiri Bara la Africa Reviewed by habari motto on 9:05 AM Rating: 5

Tanzania Postal Bank Job

12:16 PM
Tanzania Postal Bank (TPB) seeks to appoint dedicated, self motivated and highly organized Credit Officers (4 position) to join the Retail Business Banking team.

Reporting Line: Branch Manager (BM) or Branch Finance Officer (BFO)

Locations: Njombe, Lindi, Usa River and Nachingwea
Work Schedule:  As per TPB Staff regulations
Division: Retail Business Banking
Salary:  Commensurate to the Job Advertised

POSITION OBJECTIVE

1 . This position is to engage, manage and work directly to improve the activities of the branch credit operations.

2 . To evaluate, provide analysis, conclusion and recommendations to determine credit lines and communicate this information to customers and other team members of the branch.

3 . Engaged in conducting credit investigations/visitations and collecting delinquent accounts and answerable all branch credit related issues to the branch manager and senior management.

KEY RESPONSIBILITIES

� Assist branch manager in creation of credit risk management environment of an acceptable quality, in terms of established credit guidelines.

� Administer branch credit application and ensure that direct reports are producing high quality of credit application files
� Maintain branch low portfolio Non-performance rates ensuring post disbursement follow up is being done and customer actively operate their accounts accordingly.

� Assist Branch manager in cite visitations and Branch Credit Meetings and make sure that respective reports are produced timely for decision making.


CONTRIBUTES TO

• Customer acquisition by actively soliciting potential clients

• Managing the branch loan portfolio by ensuring close follow ups of their respective customers.

• Directly work with customers to deepen existing relationships through the analyses of needs and provision of products and services.


• Analyses and reviews quality of potential and existing business to ensure maximum profitability.

• Maintain accurate and up-to-date records of all actual and attempted customer interactions.

• Conduct customer meetings that have defined call objectives, desired outcomes and a well-constructed plan.

• After consideration of individual case merits, recommend credits applications for approval to the branch manager and other relevant authorities.

• Manages credit quality standards through effective management of risk according to the Credit manuals and policy.

• Scrutinize loan applications, to review feasibility reports and prepare appraisal reports and accompanying memorandum for action of by relevant loan sanctioning authority.

• Verify loan application forms, crosschecking the requirements and advise customers accordingly.

• Maintain borrower’s files and ensure that all pre-disbursement conditions are fulfilled.

• Ensure that loan installments from customers are posted into relevant accounts.

• Follow-ups on non-performing loans/customers that are not paying their loan as per the agreement.

• Ensure that weekly, monthly, quarterly, annual and any other reports on loan portfolio are accurate, complete, and prepared on schedule.

• Prepare all branch returns and ensure they are in accordance with the credit policy and lending manual.

• Verify postings of loan administration fees for customers whose loans have been disbursed.

• Ensure proper filling of customer credit documents and correspondents.

• Improving the quality of customer’s data by ensuring all customers data is captured as per KYC set rules and regulations.

• Analyse delinquent accounts and prepare report on highest risk accounts including recommendations for resolution.

• Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to the Branch Manager and suggest actions/penalties to be taken when appropriate

• Develop processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds; implement liens as necessary to major delinquent account as approved

• Attend to the generated legal documents used in the credit function for onwards

preparation of disbursements

• Perform any other duties as may be assigned by Branch manager from time to time



KEY PERFORMANCE INDICATORS

• Meets and exceeds the branch set performance benchmarks

• Contribute positively towards minimizing loan processing turnaround time

• Minimum impairment provision across all credit portfolios

• Ability to solicit and close deals

AUTHORITY LEVELS

• As may be delegated by the Branch Manager or Head of Business Banking.

EXPERIENCE AND KNOWLEDGE REQUIRED

Education and experience:

Bachelor degree in Banking, Accounting, Finance, Economics, Marketing, Business Administration, or related field and plus 1 year related experience in the related field.


Skills / Attributes:

• Strong leadership & people management skills

• Positive and Optimistic attitude.

• High levels of Personal Motivation to achieve set targets

• Teamplayer

T he position will attract a competitive salary package, which include benefits. Applicants are invited to submit their resume ( indicating the position title in the subject heading) via e-mail to:  recruitment@postalbank.co.tz. Applications via other methods will not be considered. Applicants need to submit only the Curriculum Vitae (CV) and the letter of applications starting the job advertised and the location. Other credentials will have to be submitted during the interview for authentic check and other administrative measures and should not in any way be attached during application.

Tanzania Postal Bank is an Equal Opportunity Employer and is very committed to environmental, health and safety Management.

Tanzania Postal Bank has a strong commitment to environmental, health and safety management. If you are not contacted by Tanzania Postal Bank within seven (7) days after the closing date, you should consider your application as unsuccessful. Late applications will not be considered. Short listed candidates may be subjected to any of the following: a security clearance; a competency assessment; physical capability assessment and reference checking.

Please forward your applications before 9th October,  201 4
Tanzania Postal Bank Job Tanzania Postal Bank Job Reviewed by habari motto on 12:16 PM Rating: 5
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