Articles by "Biashara"

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10:56:00 PM
Mkurugenzi Mkuu wa Benki ya NMB, Ineke Bussemaker akizungumza.


Ni ongezeko la asilimia 2.4 la faida • 

Kwa miaka 10 mfululizo, NMB imeendelea kuongoza kwa faida nchini.

BENKI ya NMB imepata ongezeko la faida la asilimia 2.4 baada ya kodi kwa mwaka 2016. Mkurugenzi Mkuu wa benki ya NMB - Ineke Bussemaker amesema kwamba licha ya changamoto zilizoikabili sekta ya fedha na uchumi kwa ujumla kwa mwaka 2016, benki ya NMB iliweza kufanya vizuri. “Faida ya benki kwa ujumla iliongezeka kutoka shilling billioni 150.3 kwa mwaka 2015 hadi shilingi bilioni 153.7 kwa mwaka 2016. Ongezeko hili limetokana na kuongezeka kwa pato linalotokana na Biashara ya benki lililokuwa kwa asilimia 16,” alisema Bussemaker. Riba katika mikopo ilikua kutoka shilingi bilioni 438.7 kwa mwaka 2015 hadi billioni 551.0 mwaka 2016 ambayo ni sawa na ukuaji wa asilimia 25.6. 

Pia Rasilimali za benki ziliongezeka kwa asilimia 8 kutoka shilingi bilioni 4,580 kwa mwaka 2015 hadi shilingi Bilioni 4,951 mwaka 2016. Mikopo kwa wateja iliongezeka hadi shilingi 2,794 billioni, ikiwa ni ongezeko la asilimia 13% kutoka shilingi bilioni 2,482 kwa mwaka uliotangulia. 

Ongezeko hili la mikopo ilitokana kwa kiasi kikubwa na ongezeko la mikopo kwa wafanyakazi kwa asilimia 16 kwa mwaka 2015 hadi kufikia shillingi bilioni 1,698 kwa mwaka 2016. Pamoja na ukata wa fedha uliozikumba benki nyingi mwaka 2016, ongezeko la amana za benki lilichangiwa kwa kiasi kikubwa na ongezeko la amana za wateja kwa shilingi bilioni 172 billioni, fedha ambayo benki ilikopa kiasi cha shilingi bilioni 312 pamoja na hati fungani ambayo ilipatikana kiasi cha shilingi bilioni 41. 

Gharama za riba ziliongezeka kwa asilimia 49 kutoka shilingi bilioni 68.5 kwa mwaka 2015 hadi shilingi bilioni 102.2 kwa mwaka 2016. “Amana za wateja ambazo kwa kiasi kikubwa ziliwekwa katika akaunti zisizokuwa na riba ziliongezeka kwa asilimia 4.8% kutoka shilingi bilioni 3, 568 kwa mwaka 2015 hadi shilingi bilioni 3,737 kwa mwaka 2016,” alisema. 

Aliongeza, “Idadi ya wateja wetu iliathiriwa sana na hali ya kibiashara kwa mwaka 2016, hali ambayo iliathiri ubora wa mikopo na kuchangia ongezeko la mikopo mibovu (NPL) hadi asilimia 4.8 kwa mwaka 2016 kutoka asilimia 2.4 mwaka 2015,” Ikishikilia asilimia 20% ya soko kwa mikopo na amana za wateja, benki ya NMB ni ambayo ni ya pili kwa ukubwa wa mizania ya Rasilimali za kibenki nchini, kwa miaka 10 mfulululizo benki imekuwa ikiongoza kwa kupata faida kubwa kuliko benki zote nchini. 

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4:27:00 AM

Despite rapidly technological revolution in banking sector that drive majority of clients into mobile banking services, the National Bank of Commerce (NBC) vows to continue to invest and expand its network branches across the country.

Speaking to reporters during the official launching rewards program in Dar es Salaam at the weekend, NBC, Managing Director, Edwards Marks said that the bank’s will continue to invest in branches network in order to bring banking services to near to the people in rural and urban areas.
He said that the reward program is the special service that focuses on rewarding their customer’s things that fit to the daily life styles through privilege and private banking accounts to customers across the country.
National Bank of Commerce (NBC) new Managing Director, Edward Marks
“A rewarding program is a special service that the bank’s recognize the presence of our customers by giving backs to them things or service that suit to their daily life,” he said.

Marks added that the bank’s is retaking its position once again its Tanzanian market by giving the customers a unique service by allowing them to continuing with their purchasing behavior of goods and service with the discount from 10 up to 30 percent of their service in shopping or any other business.

He underscored that after the launching of the reward program to its customers which pave the way for them to continue enjoying their life aspiration by banking and opening an account with NBC. 

On his part, NBC, Head of Liabilities and Affluent, Andrew Massawe said that the new program gives client from privilege and private banking a chance to enjoy a deduction of 10 to 30 percent of any service such as shopping or restaurant service.

He said that the NBC plans to expand this newly program to Arusha, Moshi and Mwanza to open up more rooms for clients in up country to join and enjoy the service.
“We have decided to launched a service that suit to our clients and make them enjoy the NBC banking services and out of that by giving them what they want out of the bank’s by also reducing their bill by 30 percent,” he added.

Massawe said that the bank will also introduce that newly services to personal accounts clients and the government institutions to join the majority of NBC clients across the country.

The National Bank of Commerce (NBC) is being in the market for over 45 years and being in part of a major global financial service organization with over 300 years’ experience in banking, employing 147,000 dedicated professionals in over 50 countries, committed to the financial success of 48 million customers and clients worldwide.

 NBC has a wealth of expertise in personal, corporate, business and investment banking and wealth management from which your banking needs will be catered for.  

NBC have all the experience and confidence to offer you a wide range of banking solutions with various options to cater for all your banking needs. NBC Personal banking is a one stop banking for your personal account, student account, business account, children’s account. That is not all; with NBC personal banking you can acquire loans as well as getting insurance covers for yourself and your properties.  

Ends.
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6:34:00 AM


BENKI YA TAIFA YA BIASHARA (NBC) imezindua huduma mpya ya NBC BENKI NILIPO ambapo mteja anaweza kupata huduma zote za kibenki kupitia simu yake ya mkononi, kompyuta mpakato kama kulipia bili na huduma zingine popote pale alipo.
 
Meneja Masoko wa Benki ya NBC, Maria Alina Kimaryo (katikati), Mkuu wa Kitengo cha Njia Mbadala cha benki hiyo, Raymond Mutagahywa (kushoto) na Mshauri wa Bidhaa wa benki hiyo, Canicius Joseph wakizindua huduma mpya  ya NBC Benki Nilipo jijini Dar es Salaam leo. Wateja wa benki hiyo sasa wanaweza kupata huduma za kibenki kwa kutumia program maalum ya NBC katika ‘play store’ hivyo kupata huduma za kibenki kupitia laptop zao, tablets na simu za mkononi za smartphones.
Akizungumza kwenye uzinduzi rasmi wa huduma hizo jana jijini Dar es Salaam, Mkuu wa Masoko wa Benki hiyo, Maria Alina Kimaryo alisema kwamba huduma hizo mpya ni rahisi kutumia na kurahisisha shughuli za mteja kwa kupitia simu yake ya mkononi na kompyuta mpakato kwa njia ya intaneti kwa kutoa na kulipa bili zake za luku, dawasco, dstv na huduma zingine.

“Watu wengi wanaangalia ni njia gani rahisi ya kuangalia akaunti zao kwa masaa 24 kwa siku kwa kutizama salio kulipa bili kupitia simu zao za mkononi ili kuweza kuokoa muda na ndipo benki ya NBC ilipoamua kuja na huduma hizi za kipekee nchini ya BENKI NILIPO ili kurahisisha shughuli za biashara na za kijamii nchini,” aliongeza

Aliongeza kwamba huduma hizo mpya zimetengenezwa kwa ajili ya kwenda na wakati wa mazingira ya sasa ya jamii yenye sayansi na  teknolojia ambapo mteja anaweza kufanya shughuli zote za kibenki bila kulazimika kwenda benki au kuwa na akaunti na benki ya NBC,

Kimaryo alisema kwamba ndani ya huduma hiyo mteja anaweza kupata taarifa za akaunti yake, kuhamisha fedha kwenda kwenye akaunti yake mwenyewe na akaunti nyingine za NBC kwa watu wengine na kuendesha akaunti yake akiwa ndani au nje ya nchi.

Kwa upande wake, Mkuu wa Kitengo cha Njia Mbadala za Kibenki, Raymond Mutagahywa alifafanua kwamba benki hiyo itaendelea kutoa huduma bora na bunifu kwa ajili ya wateja wao huku wakienda sambamba na maendeleo ya sayansi na teknolojia kwa kuboresha huduma za kibenki nchini.

Alisema kwamba uzinduzi wa huduma hiyo mpya nchini ni kiashiria tosha kwamba benki hiyo imejipanga kuendelea kutoa huduma na bidhaa bora kabisa za kibenki hapa nchini na kuwarahisishia watanzania kwenye huduma za kibenki nchini.

Mutagahywa aliongeza kwamba kupitia huduma hiyo ya kipekee nchini wateja wa benki hiyo wanaweza kutuma fedha kwa wapendwa wao ambao pia watakuwa hawana akaunti na benki hiyo na wateja wa NBC wanaweza pia kuweka fedha kwenye ATMs mahali popote.



Mshauri wa Bidhaa wa Benki ya NBC, Canisius Joseph (kulia), akionyesha jinsi huduma mpya ya NBC Benki Nilipo inavyofanya kazi wakati wa uzinduzi rasmi wa huduma hiyo jijini Dar es Salaam leo. Kulia kwake ni Meneja Masoko wa NBC, Maria Alina Kimaryo, Mkuu wa Kitengo cha Njia Mbadala cha benki hiyo, Raymond Mutagahywa na Meneja Mahusiano wa NBC, William Kallaghe.

Meneja wa ATM na Kadi wa Benki ya NBC, Wambura John (katikati) akimwonyesha mmoja wa mteja, Nusra John (kulia) jinsi anavyoweza kutoa pesa katika ATM ya benki hiyo bila ya kuwa na kadi kwa kutumia huduma ya NBC Cash Popote katika hafla ya uzinduzi wa huduma ya NBC Benki Nilipo jijini Dar es Salaam leo. Kushoto ni Meneja Huduma za Jamii wa benki hiyo, Irene Peter.


Mkuu wa Kitengo cha Njia Mbadala cha benki hiyo, Raymond Mutagahywa  (Kkushoto), akizungumza wakati  wa uzinduzi wa huduma mpya ya  NBC Benki Nilipo jijini Dar es Salaam leo. Kushoto kwake ni Meneja Masoko wa NBC, Maria Alina Kimaryo na Mshauri wa Bidhaa wa benki hiyo, Canisius Joseph.


Meneja Mahusino wa Benki ya NBC, William Kallaghe (kushoto) akiweka mambo sawa katika hafla hiyo jijini Dar es Salaam leo.

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Baadhi ya maofisa wa benki hiyo waliohudhuria uzinduzi wa huduma mpya ya NBC Benki Nilipo jijini ar es Salaam le
























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5:45:00 AM

.80% percent of real estate in Tanzania paid interms of dollars 

By Damas Makangale, Dar es Salaam, Tanzania 

THE Goverment of Tanzania declared illegal the growing trend of pricing goods and services such as real estate for Tanzanians in US dollars, saying stern measures would be taken against those who continue with such practices in the country.
http://static.lamudi.co.tz/p/no-name-9914-69402-2-zoom.jpg
House in Bahari Beach, Dar Es Salaam $ 164, 706

Speaking to East African Business Week in the sidelined of the Azam Media launching event last week in Dar es Salaam, the Deputy Minister for Finance and Economic Affairs, Mwigulu Nchemba said that all commercial transactions should be contracted on the local shiling.

 “Any person who had come across with charging of any transaction through dollar he or she should report the incident to the require authority and your all aware that dollarisation of the local economy had contributed heavily to the steady weakening of the shiling,” he said.

The Deputy Minister directed the business community to display prices of goods and services in Tanzanian shillings, and where the aim is to attract foreign customers, then prices in both local and foreign currencies can be indicated.

’’No Tanzanian should be forced to pay for goods or services in foreign currency the legal tender in Tanzania is the Tanzanian shilling only because they are in Tanzanian mainland,’’ he emphasized.

Nchemba underscored that the goverment sometimes requires to have enough foreign currecy for the purpose of importing foreign goods once the local industry failed to produce enough goods for the public consumptions.

He warned against businesses that peg prices in US dollars and convert them into local currency using their own exchange rates.

 ’’In Tanzania, only the bureaus de change and commercial banks are allowed to trade in currency exchange acording to the financial and banking act,’’ he noted.
The  Deputy Finance Minister pushed for increased production of goods and services for export, to earn more foreign currency and subsequently strengthen the shilling.

’’Our shilling could gain strength through increased exports and trimmed imports,’’ he lamented
The tendency of charging local goods and services in US dollars has been gaining momentum lately, with financial experts warning that this is likely to soon render the shilling more or less irrelevant.

Sectors most notorious for charging in dollars are air travel, the hospitality industry, housing and even education where some schools have been discovered to be charging their school fees in dollars.

Some businesses go to the extent of inventing their own exchange rates for customers looking to pay for the goods and services in local currency.

Recently, Tanzanian law makers told the House the use of foreign currencies in the economy was a threat to the shilling calling the government to table a bill on foreign currency use.

In June, last year the Parliament Standing Committee on Economy, Industry and Trade strongly criticized the use of the dollar in local transactions calling the government to revoke the 2008 decree and strictly enforce the Foreign Exchange Act, 1992.

Committee chairperson Luhanga Mpina (Kisese-CCM) said the use of shilling parallel to foreign currencies makes the country lose her international market competitiveness; diverts business from local bureau de change and leads to revenue loss to the government.

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5:01:00 AM
COMING off the back of a year that saw extraordinary aviation disasters dominate world headlines, it would be hard to find good news, but data from a leading industry body shows that in 2014 sub-Saharan Africa airlines had zero jet hull losses. 
Kenya Airways and South African Airlines planes at sunset in Nairobi's Jomo Kenyatta International Airport. (Photo Abir Anwar/flickr).
Kenya Airways and South African Airlines planes at sunset in Jomo's Kenyata International Airport

It was the biggest improvement of all regions, even if from a low base.

The region reported a rate of zero jet hull losses (write-offs) per 1 million flights, from 2.22 in 2013 and 4.63 in 2012, the International Air Transport Association (IATA) said.
This helped bring down the global accident rate to 0.23, the equivalent of one accident for every 4.4 million global flights; and the lowest rate in history, according to IATA. 
 
This was an improvement on 2013, when the global rate stood at 0.41, or an accident in every 2.4 million flights, and also on the five year rate of 0.58 hull loss accidents for every million worldwide flights between 2009-2013.

In that period, Africa’s loss rate averaged 6.83, propped by the 14.83 rate recorded in 2009, suggesting regional measures to improve what has until now been a dreadful safety record are bearing rich fruit.
IATA tends to be big on safety, and director general-CEO Tony Tyler said the association would retain its focus on making flying safer, especially in the wake of the extraordinary losses of MH 370 and MH 17, which he termed unacceptable.

When only IATA members, who number about 251 major carriers who are responsible for 84% of global traffic, are factored in, the loss rate dropped to 0.12, or one accident for every 8.3 million flights.

“Governments and industry have come together to find ways to reduce the risk of over-flying conflict zones. This includes better sharing of critical information about security risks to civil aviation,” Tyler said as IATA released its 2014 commercial safety performance  report.

 Source by http://mgafrica.com/article/2015-03-09-think-african-jets-are-flying-coffins-these-numbers-will-prove-you-wrong

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