POSTA NA SIMU SAVINGS AND CREDIT COOPERATIVE SOCIETY
- Slides: 41
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED 5/24/2021 Posta na Simu SACCOS 1
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED HALI ILIVYOKUWA • Wanachama wengi hawakujali 1/3 ya mshahara • Chama nacho hakikuwa na udhibiti wa juu wa 1/3 wa mishahara • Wanachama wengi walipata mishahara chini ya 1/3 ya mishahara yao 5/24/2021 Posta na Simu SACCOS
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED Hali ilivyokuwa…. • Waajiri nao hawakukata madeni ya wanachama katika mishahara • Hivyo kushindwa kurejesha makato • Matokeo: – Kudhoofisha uwezo wa chama kutoa mikopo – Kuwa na manung’uniko ya wanachama – Wanachama kuchelewa kupata mikopo 5/24/2021 Posta na Simu SACCOS
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED HALI ILIVYO SASA KUKABILINA NA HALI ILIYOKUWEPO • Taasisi zimeeleza ridhaa zao: – TPB: • Hawapitishi mikopo ambayo makato yake yatapungua 1/3 ya mshahara – TPC: • Hawatapitisha mkopo kwa mfanyakazi atakayepata hasi (minus) katika mshahara • Kwa waliokuwa wanatoka minus wataendelea kuwalipia madeni yao hadi yaishe 5/24/2021 Posta na Simu SACCOS
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED • Ridhaa za Taasisi… – TTCL: • Hawakubali kabisa kukata mfanyakazi atakayekuwa chini ya 1/3 • Iwapo chama kitatoa mkopo kwa atakayepata chini ya 1/3 hawatamkata au wataongeza muda wa makato • Marejesho kutopatikana chamani na kurudisha chama nyuma 5/24/2021 Posta na Simu SACCOS
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED Manufaa ya usimamizi mzuri ya Mikopo Chamani • Kuwa na fedha za kutosha kulipa mikopo • Mikopo kutolewa kwa wakati • Wanachama wapya kupenda kujiunga na chama • Kuwa na chama imara • Kutoa gawio kwa wanachama 5/24/2021 Posta na Simu SACCOS
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED MIKOPO YA KK AINA 4 YA MIKOPO ITOLEWAYO NA KK: 1. MKOPO WA MAENDELEO: 2. MKOPO WA ELIMU: 3. MKOPO MDOGO: 4. MKOPO WA DHARURA: KANUNI YA UTOZAJI RIBA (I) I = P(t+1)r 200 IKIWA: P = MKOPO (Principal Loan) t = MIEZI YA MAREJESHO r = KIWANGO CHA RIBA (Interest rate) Website: www. postanasimusaccos. co. tz 5/24/2021 Posta na Simu SACCOS 7
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED MASHARTI YA MIKOPO 1. MKOPO WA MAENDELEO: – HUTOLEWA MARA 1 KWA MWEZI – MKOPO USIZIDI MARA 3 YA AKIBA – KIWANGO CHA JUU NI SH. 25. 0 M – RIBA 2. 0% – MAREJESHO YASIZIDI MIEZI 36 – HULIPWA KWA MWANACHAMA 5/24/2021 Posta na Simu SACCOS 8
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED 2. MKOPO WA ELIMU: § HUTOLEWA KILA SIKU § MKOPO USIZIDI SH. 1, 500, 000/= § RIBA 2. 0% § MAREJESHO YASIZIDI MIEZI 12 § HULIPWA SHULENI/ CHUONI § HULIPIA WANAFUNZI ZAIDI YA MMOJA 3. MKOPO MDOGO: (1, 000/= HADI 3, 000/=) § HUTOLEWA KILA SIKU § MKOPO USIZIDI SH. 3, 000/= § RIBA 2. 0% § MAREJESHO YASIZIDI MIEZI 12 § 5/24/2021 HULIPWA KWA MWANACHAMA Posta na Simu SACCOS 9
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED 4. MKOPO WA DHARURA: (1/= HADI 600, 000/=) § § § 5/24/2021 HUTOLEWA KILA SIKU MKOPO USIZIDI SH. 600, 000/= RIBA 2. 0% MAREJESHO YASIZIDI MIEZI 6 HULIPWA KWA MWANACHAMA HUTOLEWA NA MATAWI YOTE NCHINI Posta na Simu SACCOS 10
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED FAIDA YA KUKOPA KWA MUDA MFUPI • FAIDA KWA MWANACHAMA i. iii. iv. v. vi. 5/24/2021 KUPATA KIASI KIKUBWA CHA FEDHA KATIKA KIPINDI KIFUPI KUKUZA UCHUMI WA MWANACHAMA KUWA MJASIRIAMALI KULIPA RIBA NDOGO KUTATUA MATATIZO KWA MUDA MUAFAKA KUBORESHA MAISHA Posta na Simu SACCOS 11
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED • MFANO: MKOPO WA SH. 3, 000/= ALPHA: MKOPO WA SH. 3, 000/= KWA MIEZI 12 (KATIKA MIAKA 3) I = 3, 000(12+1)2. 0 200 ∴ I = 390, 000/= SAWA NA 13. 00% MAREJESHO KWA MWEZI MKOPO 250, 000/= RIBA 32, 500/= JUMLA 282, 500/= 5/24/2021 Posta na Simu SACCOS 12
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED ALPHA MWAKA MKOPO MIEZI 12 I II 3, 000, 000. 00 390, 000. 00 III 3, 000. 00 390, 000. 00 JUMLA 9, 000. 00 1, 170, 000. 00 JUMLA YA MIKOPO 9, 000. 00 ANAOKOA 5/24/2021 Posta na Simu SACCOS MIEZI 36 3, 330, 000. 00 2, 160, 000. 00 13
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED ASANTENI SANA! 5/24/2021 Posta na Simu SACCOS 14
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED FURSA ZA BIASHARA ZILIZOPO By: D. F. NGALAWA MENEJA POSTA NA SIMU SACCOS 5/24/2021 Posta na Simu SACCOS 15
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED MAZAO • Mahindi – Kukoboa na kusaga – Packaging, Packing – Mashine ya kufuga • Alizeti – Mafuta ya Alizeti lita 4, 000 – Mafuta ya Ufuta 5/24/2021 Posta na Simu SACCOS 16
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED KAMPUNI • • Ulinzi Usafi Utengenezaji wa viyoyozi na Service Stationeries & Supplies Microfinance (Kukopeshana) Bureau De Change Bati, Nguo 5/24/2021 Posta na Simu SACCOS 17
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED ELIMU • Day Care Centres • Msingi na Sekondari • Vyuo – Elimu – Afya – Biashara – Ufundi 5/24/2021 Posta na Simu SACCOS 18
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED • UFUGAJI – Ng’ombe (Maziwa na Nyama) – Kuku (Mayai na Nyama)/ Kienyeji – Samaki • MADUKA – Jumla (Chakula, Madawa, Vifaa vya ujenzi) – Reja reja ( “ “ “ ) 5/24/2021 Posta na Simu SACCOS 19
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED • BIASHARA NJE YA NCHI – Tiles – Gypsum – Aluminium Windows & Doors – Kuagiza Magari na Kuuza – Mobile Phones • UJIO WA VITU – Uanzishwaji wa Vyuo – Uanzishwaji wa Viwanda 5/24/2021 Posta na Simu SACCOS 20
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED • NYINGINEZO – Transport – Mikate – Maandazi – Mishumaa – Nyuki/ Asali 5/24/2021 Posta na Simu SACCOS 21
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED MATATIZO YETU NINI? • • • Ubinafsi Woga usio na sababu Wivu usio na maana Roho mbaya Kushindwa kushirikiana Kutotumia Wataalam 5/24/2021 Posta na Simu SACCOS 22
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED Matatizo…. • Kutokuwa na Elimu au ufahamu wa Biashara anayotaka kufahamu • Watanzania hawana muda wa kufikiri (Wanawaza) • Hatuna Collateral au Security (Land) • Formalization 5/24/2021 Posta na Simu SACCOS 23
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED NINI KINAKUJA? • Federation • Dual Citizenship 5/24/2021 Posta na Simu SACCOS 24
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED Asanteni kwa Kunisikiliza! 5/24/2021 Posta na Simu SACCOS 25
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED Asanteni kwa Kunisikiliza! 5/24/2021 Posta na Simu SACCOS
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED UKUZAJI MTAJI WA SACCOS By: Jasson C. Kalile P. O. Box 14214, Dar es Salaam E-mail: jassonkalile@gmail. com Mobile: +255 754 380832 +255 658 380832 Website: postanasimusaccos. co. tz 5/24/2021 Posta na Simu SACCOS 27
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED POSTA NA SIMU SACCOS • Posta na Simu SACCOS ni Ushirika unaomilikiwa kwa 100% na wanachama wake walionunua Hisa zisizopungua 40 zenye thamani ya Tshs 200, 000/=; kila hisa moja Tshs 5, 000/=. • Ni ushirika unaohudumia wanachama kwa masuala ya fedha kwa lengo na mwelekeo wa kuwakwamua kiuchumi. • Ni Ushirika wa Akiba na Mikopo. 5/24/2021 Posta na Simu SACCOS 28
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED MTAJI: • Mtaji ni mkusanyiko wa mawekezo ya fedha au mali (Assets) inayowezesha Kampuni/ Ushirika kujiendesha. • Kukusanya mtaji unaohitajika kutoka kwa watu wengi ili kupanua shughuli za SACCOS na kuondoa wasi wa watu wachache kuchukua umiliki wa SACCOS na kubadili malengo ya uanzishwaji wa SACCOS. Mtaji huu hutokana na: – Hisa: Kila mmiliki hupewa Cheti cha hisa – Akiba: Kila mchangiaji huweza kukopa mara 3 – Amana: Faida/Riba ya 3% hutolewa 5/24/2021 Posta na Simu SACCOS 29
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED HISA • Hisa ni nini? Ni uthibitisho wa umiliki unaowakilisha kiwango sawa cha mtaji wa Kampuni. (An Evidence of ownership that represents an equal proportion of a firm's capital) – Njia ya kununua hisa ni kuwekeza kwa matumizi ya baadaye. – Kunampa uwezo wa umiliki wa kampuni na mali zake zote. Mfano 2% ya mtaji wote. – Kunawezesha kushiriki kwenye mgao wa hisa za bakshishi endapo zitatolewa. – Kunampa mwekezaji fursa ya kutoa maoni yake kwenye mkutano mkuu wa kampuni. 5/24/2021 Posta na Simu SACCOS 30
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED Je, bado tuendelee na Umiliki huu? 5/24/2021 • Kila Hisa moja ni Tshs 5, 000/= • Kiwango cha chini cha umiliki ni Hisa 40. • Kiwango cha chini cha uchangiaji akiba kwa mwezi ni Tshs 20, 000/= • Kukopa ni mara 3 ya akiba ulizo nazo. Posta na Simu SACCOS 31
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED • • FAIDA YA KUKUZA MTAJI: SACCOS Huwezesha upatikanaji wa mtaji mkubwa kwa SACCOS na hivyo huwezesha kukua kwa SACCOS. Huwezesha SACCOS kukusanya mitaji toka kwa wawekezaji mbali kwa gharama nafuu. Huwezesha SACCOS kutambua thamani ya hisa zao. Husaidia kukuza majina na mwonekano wa SACCOS kwa umma na jamii. 5/24/2021 Posta na Simu SACCOS 32
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED FAIDA YA KUKUZA MTAJI: WAWEKEZAJI NA JAMII • • Huwawezesha wenye fedha za ziada kuziweka katika vitega uchumi. Huwezesha wawekaji kupata kipato cha kudumu kwa njia ya gawio la faida. Wawekezaji hunufaika na kukua kwa mitaji waliyowekeza. Huwezesha Kujenga utajiri. 5/24/2021 Posta na Simu SACCOS 33
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED FAIDA YA KUKUZA MTAJI: JUMLA • • • Kuwawezesha wananchi kiuchumi na kupata gawio kutokana na faida itakayopatikana. Huwezesha umiliki mpana wa SACCOS/ Kupanua wigo wa umiliki. Huchangia kukuza utamaduni wa uwekaji akiba 5/24/2021 Posta na Simu SACCOS 34
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED ATHARI ZA KUTOKUKUZA MTAJI WA SACCOS • Huduma za SACCOS zitadumaa kwani itashindwa kusambaza na kusogeza huduma zake kwa wanachama na kushindwa kuhimili ushindani mkali uliopo. • Kuwa na mtaji duni usioleta mvuto wa huduma nzuri kwa wanachama. • Wanachama kupata gawio dogo kutokana na faida ndogo ipatikanayo. 5/24/2021 Posta na Simu SACCOS 35
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED KWA NINI UNUNUE HISA ZAIDI? • Ongeza kununua hisa na kuwa mmoja wa wawekezaji watakaofaidika na gawio linalopatikana kutokana na uendeshaji mzuri wa shughuli za Posta na Simu SACCOS. • Utaiwezesha SACCOS kuendeleza jukumu lake la kupanua huduma na kupeleka mahali wanachama walipo hivyo kuendeleza mkakati mzima wa uwezeshaji wanachama wetu. • Utajiongezea gawio lilipwalo kwa mwaka kutokana na faida. 5/24/2021 Posta na Simu SACCOS 36
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED GAWIO NI NINI? • Ni sehemu ya mtaji, au kipato, au faida igawiwayo miongoni mwa wamiliki wa kampuni/ ushirika. • Ni neno litumikalo kueleza ugawanaji wa faida halisi iliyopatikana kwa mwaka. • Ni jumla ya fedha iliyogawanywa na kupewa wamiliki mmoja kulingana na idadi ya umiliki wa hisa, kwa ujumla, au kwa asilimia (%). 5/24/2021 Posta na Simu SACCOS 37
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED Je mwanachama anamiliki nini katika SACCOS? • Katika SACCOS mwanachama anamiliki Hisa. • Kwa kumiliki hisa atakuwa amemiliki mali zote za SACCOS bila ubaguzi • Mali hizo hutokana na Mtaji uliowekezwa na wanachama/ wawekezaji. • Mali zote zinazozalisha huleta faida atakayogawiwa mwanachama. 5/24/2021 Posta na Simu SACCOS 38
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED Mwanachama afanye nini kuongeza umiliki? 1. Aongeze umiliki kwa kununua Hisa nyingi katika SACCOS ili apate gawio kubwa zaidi kwa faida ipatikanayo. 2. Aongeze kuweka Akiba ili apate mikopo ya kutosha bila wasi. Kwa kuwa na Akiba nyingi anaweza kujidhamini mwenyewe. 3. Aweke Amana ili atakapohitaji kuchukua achukue bila kupunguza akiba zake. 5/24/2021 Posta na Simu SACCOS 39
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED Tufanye nini sasa na baadaye? Way forward? • . 5/24/2021 Posta na Simu SACCOS 40
POSTA NA SIMU SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED ASANTENI KWA KUNISIKILIZA 5/24/2021 Posta na Simu SACCOS 41
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