Interview with Ineke Bussemaker, MD and CEO of NMB Bank

REPOST:MARCH 13, 2017

 TanzaniaInvest had the pleasure of interviewing Ineke Bussemaker, MD and CEO of the National Microfinance Bank (NMB), Tanzania. NMB is one of the biggest commercial banks in Tanzania, 32% of which is owned by the government.  Bussemaker talks about the current lack of liquidity in the banking sector, the country’s investment potential and economic outlook. 

TanzaniaInvest (TI):Tanzania is among the top African destinations for FDI. What is your view on the country’s potential and framework for investments?

 Tanzania, as well as Kenya and Cote d’Ivoire, are the top African countries that investors are very interested in Ineke Bussemaker (IB): Tanzania, as well as Kenya and Cote d’Ivoire, are the top African countries that investors are very interested in. The investment appetite for Tanzania is largely driven by its size with 50m people but the country is still quite underdeveloped so there is high growth potential, especially in agriculture. However, Tanzania is struggling to transform that potential and ideas into practical projects. This is due to a range of issues that Tanzania has to solve. One is political decision-making: it is taking investors a very long time between their first visit to Tanzania and the time when they reach an agreement with any government entity. 

TI: In which sectors in Tanzania do you see the highest potential for growth? Tanzania’s largest potential is hiding in agriculture and particularly in the agro-processing industry 

IB: Tanzania’s largest potential is hiding in agriculture and particularly in the agro-processing industry. However, the sector is dominated by smallholder farmers, which is somewhat limiting in terms of size of the investments. I believe that medium or large commercial farms will help Tanzania to develop, because these farms will also create infrastructure. Accordingly, there will be power, water, and means of transportation. Large farmers have the advantage of scale, and the small farmers can benefit from it. For example, there are 7,000 smallholder farmers benefiting from the infrastructure of the Kilombero Plantations (KPL), a farm in the Kilombero Valley, charged with developing over 5,800ha of land. I strongly believe in this model and I think that Tanzania can make significant progress by applying it.  At NMB, we work with farming cooperatives and farmer groups, providing them with loans and working capital as well as training / capacity building by NMB Foundation.

 TI: Which other sectors of the Tanzanian economy have the greatest realistic potential for growth?  Tanzania’s gas, helium, energy, and construction sectors also have great potential for growth 

IB: I believe that Tanzania’s gas, helium, energy, and construction sectors also have great potential for growth. The government is very focused on building infrastructure, including roads, schools, and health clinics, and so, the building sector is growing especially in the rural areas. Tanzania is also endowed with large mineral resources, which will continue to support the country in the future. The potential of Tanzania to double its population from 50 to 100m people in the next few decades is calling for industrialization Also, the potential of Tanzania to double its population from 50 to 100m people in the next few decades is calling for industrialization. 

TI: Tanzania is currently experiencing a lack of liquidity in the market. What are the reasons behind this situation and how is this impacting your balance sheet? 

 IB: Part of the liquidity was in the banking system, but the government has asked all of that to be transferred to Bank of Tanzania (BOT), especially the deposits from parastatals and local governments. In the last few months there has been a shortage of liquidity in the market, which in turn impacts our capacity to lend and our balance sheet significantly So, in the last few months there has been a shortage of liquidity in the market, which in turn impacts our capacity to lend and our balance sheet significantly.  We have tried to mitigate these effects by using other funding sources. These include our own bond issue and longer-term funding from the Netherlands Development Finance Company (FMO) and The European Investment Bank (EIB). 

TanzaniaInvest

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Aliye Muua Bob Marley huyu hapa!!!!!

Jasusi wa shirika la kijasusi la Marekeni, Bill Oxley, ndiye binadamu pekee hadi sasa aliyekiri kuhusika moja kwa moja na kifo cha marehemu Bob Marley.

Akiwa katika kitanda cha hospitali ya Mercy huko Miami, Bill Oxley alitoa siri ya muda mrefu kuwa yeye ndiye aliyempa Bob Marley viatu aina ya raba ambavyo ndani yake viliwekwa sindano ndogo sana yenye ncha kali iliyokuwa na vimelea vya ugonjwa wa kansa.

Katika maelezo yake, Bill Oxley anasema alifanya hivyo ikiwa ni mpango wa Marekani kuwaua wanamapinduzi na wapigania uhuru duniani.

"Nilipewa jukumu hilo na kufanikiwa kuwa na urafiki na Bob Marley. Hii ilimfanya asiwe na shaka nilipompa zawadi hiyo ambayo ndoyo iliyoomua," anasema Bill Oxley.

Katika maelezo yake Bill Oxley anaendelea kusema Bado anakumbuka na kuumia sana akijiwa na kumbukumbu ya namna Bob Marley alivyovaa raba hizo kwa furaha na kuhisi kama amechomwa na kitu. Hata hivyo hakuhisi chochote kwani alidhani ni raba zilikuwa zinambana kutokana na kuwa mpya.

Hivyo ndivyo marehemu Bob Marley  alivyoambukizwa kansa iliyoanza kumdhoofisha taratibu hadi alipofariki tarehe 11 Mei 1981 akiwa anatibiwa katika hospitali ya chuo kikuu cha Miami.

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Makosa yanayo fanywa kwenye Fedha

💰MONEY MISTAKE 1
Usikope pesa ya riba ili uanzishe biashara. Usitegemee pesa ya mkopo kuianzishia biashara, upate faida kisha uirudishe pesa ya mkopo na riba yake. 

💰MONEY MISTAKE 2
Usitumie pesa ambayo bado haipo mikononi mwako. Wala usije ukamuahidi mtu kumpa pesa ambayo  umeahidiwa mahali fulani. Kama kuna mtu kakwambia, Flan njoo kesho nikulipe deni lako" Basi wewe usiende kukopa vitu kadhaa dukani au hata kumuahidi mtu mwingine kumpa pesa ambayo na wewe umeahidiwa.  Ni kosa. Unaweza kuingia kwenye matatizo.

💰MONEY MISTAKES 3
Kama unataka kuhifadhi/kutunza pesa, kila unapopata pesa usianze kuitumia kwanza kisha ukategemea kutunza kiasi kitakachosalia. Hivyo basi,  ukipata tu pesa,  weka pembeni kiasi unachodhani kinafaa kutunzwa/kuhifadhiwa kisha tumia kiasi kilichobaki. 

💰MONEY MISTAKE 4
Ukipata nafasi ya kuonana na mtu tajiri, kamwe usiombe pesa.  Omba maarifa ya kutengeneza pesa kama yeye, tena kwa mtaji mdogo.  Maarifa ndio mtaji wa kwanza. Unaweza kupewa/kusaidiwa pesa iwapo una mawazo mazuri ya kuzalisha pesa. Baadhi husema,  "Omba ndoano, usiombe samaki"

💰MONEY MISTAKE 5
Usitunze mbegu badala ya kuipanda. Watu wengi hufurahia pesa wanayolipwa/kuipata  kisha wanaiweka bank au nyumbani bila kuiwekeza. Wekeza pesa ili uzalishe zaidi. Usiogope kuingia hasara, kila aliefanikiwa alipoteza kwanza kabla hajafanikiwa. Wengi walipoteza muda, pesa, afya na hata matumaini ya kufanikiwa, ila kwa uthubutu wao, mwisho wa siku walifanikiwa.

💰MONEY MISTAKE 6
Kamwe usimkopeshe mtu pesa ambayo unahisi hatorudisha.  Unapomkopesha mtu huyo pesa,  jiridhishe mwenyewe moyoni kuwa kama hatoweza kulipa basi deni lake halitoathiri urafiki wenu. Ukihisi kwamba kushindwa kwake kulipa kunaweza kuathiri urafiki wenu, basi mshauri aende bank akakope.

💰 MONEY MISTAKE 7
Usikubali uwe shahidi, tena kwa kusaini kabisa ili umdhamini mtu ambae huna uhakika kuwa atalipa kile unachomdhamini. Kumbuka kuwa, dhamana maana yake utawajibika iwapo atashindwa kulipa.

💰 MONEY MISTAKE 8
Epuka kutembea na pesa nyingi ambazo hata huna matumizi nazo wakati huo. Unaweza kujikuta unafanya matumizi ambayo hayakuwa kwenye ratiba sababu ya ushawishi wa pesa ya mfukoni. Ili kuepuka haya, tembea na pesa uliyopanga kuitumia katika safari yako. Pesa nyingine itunze mahali pengine palipo salama. 

💰 MONEY MISTAKE 9
Epuka kutunza pesa mahali pasipo sahihi.  Maeneo kama kwenye soksi, sidiria, chini ya mto wa kulalia, chini ya begi, kwenye kopo au hata kwenye begi la safari, si maeneo salama. Ni rahisi kusahau,  kuibiwa au kupoteza pesa zako. Ni bora ukatunza pesa kieletroniki; yaani bank au kwenye simu au kwenye pochi yenye kamba ngumu ya kuivaa mabegani au wallet ambayo inatosha kwenye mifuko imara na yenye vifungo kwenye nguo zako hasa uwapo safarini. 

💰 MONEY MISTAKE 10
Usitumie pesa kwa kitu ambacho hakikuwa kwenye ratiba yako. Jiulize kwanza kabla hujanunua, "Bila kitu hiki, maisha yataenda au lah? Ukiona maisha yataenda bila kitu hicho, acha kukinunua. Tabasamu kisha ondoka.

💰MONEY MISTAKE 11
Usiingiwe tamaa kwa kununua kitu ambacho ungeweza kununua kwa bei ya punguzo mahali pengine zaidi. Labda tu uwe una pesa nyingi.

💰MONEY MISTAKE 12
Matumizi yako ya pesa yasizidi pato lako. Unaweza kuwa una ndoto kubwa/matumizi makubwa ya pesa kuzidi pato lako.  Unapaswa kuwa bahili katika matumizi yako. Cheza na pato lako. Fanya matumizi makubwa pale tu pato lako litakapoongezeka. Hii itakuepushia kushindwa kufanya baadhi ya mambo ya msingi na kisha ukajikuta unaishia kwenye madeni makubwa. 

💰MONEY MISTAKE 13
Una ndoto kubwa hapo baadae; labda kujenga nyumba, kununua gari, kununua kiwanja, simu nzuri hata pikipiki. Usikurupuke,  ukanunua kitu cha ndoto yako sasa eti tu sababu umekipata kwa bei ya punguzo. Usichanganye kati ya mahitaji ya baadae na ya sasa. Pesa unayotumia kutimizia ndoto sasa itumie kwa mahitaji ya sasa. Ndoto ibaki kuwa ndoto. Hii itakuepushia kuingia katika madeni au kuishi kwa shida sababu ya tamaa. Jipange taratibu kutimiza ndoto yako.

Bila shaka umewahi kufanya moja ya makosa haya. Usirudie kosa. Washirikishe wenzio ili tunufaike sote.

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EPL Leo ⚽

Chelsea wapoteza mchezo wa pili mfululizo EPL.
Chelsea 0-3 Bournemouth ..31.01.2018
Watford 4-1 Chelsea.. 5.02.2018

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Kingunge Ngombale-Mwiru Afariki dunia Alfajiri ya leo. >>>>

TANZIA: Mwanasiasa mkongwe, Mzee Kingunge Ngombale-Mwiru amefariki dunia alfajiri ya leo...

Kingunge Ngombale Mwiru ni Mkongwe wa Tanzania na jina lake ni kubwa. Ni mstaafu ambaye katika maisha yake toka ujana wake amelitumikia Taifa mpaka hata ngazi za juu kabisa kama vile kuwa Mkuu wa Mkoa, Mbunge na hata Waziri.

Ni mmojawapo wa vijana wa TANU enzi zao hizo, walioshiriki harakati za kuutafuta uhuru mpaka ukapatikana. Yeye kingunge ndiye aliyekabidhiwa jukumu la kuzigawa kadi mia za kwanza kabisa za wana TANU baada ya TANU kuanzishwa ambapo, Bwana Sykes ndiye aliyezichapisha kwa pesa za kutoka mfukoni mwake.

Kingunge alifanya harakati akiwa karibu na Mwalimu Nyerere, na waliendelea kuwa karibu hata baada ya uhuru kwa majukumu ya kujenga Taifa changa. Kingunge alikuwa ni mmoja wa watu waliokuwa na nafasi nyeti katika TANU na CCM mpaka pale alipoamua kuondoka CCM wakati wa uchaguzi wa mwaka 2015 na kwenda upande wa upinzani.

Source :JamiiForum

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Sisi Hatujakataza uvaaji wowote wa nguo-Lazaro Mambosasa

‘Hili suala la Kuzuia vimini na viduku limezushwa, Mimi niliitisha Press kuelezea mafanikio ya Jeshi la Polisi Kwa kanda maalum Kwa kipindi hiki cha sikukuu kilichopita.
.
Na hili swali niliulizwa nikasema kuwa linavunja maadili na huu si utaratibu wetu ni watu wa magharibi si maadili yetu kabisa lakini kwetu bado sio kosa kisheria.’ - Kamanda wa Polisi Dar Lazaro Mambosasa akifafanunua kuhusu taarifa ya kukataza watu kuvaa nguo fupi on Power Breakfast-CloudsFm

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CHIRWA AFUNGIWA MECHI TATU

Mshambuliaji wa Yanga Obrey Chirwa amefungiwa kucheza mechi tatu za ligi kuu Tanzania Bara na kutozwa faini ya shilingi laki tano kwa kosa la kumpiga mchezaji wa Tanzania Prisons kwenye mchezo uliomalizika kwa sare ya kufungana bao 1-1.

Adhabu hiyo imetolewa na Kamati ya nidhamu ya Shirikisho la Soka Tanzania (TFF) iliyokutana Jumapili Januari 14, 2018 na kusikiliza kesi hiyo iliyowasilishwa na Bodi ya Ligi ikihusu mchezo namba 83 kati ya Yanga na Tanzania Prisons iliyochezwa Novemba 25, 2017 kwenye Uwanja wa Azam Complex Dar es Salaam.

Kwa mujibu wa taarifa ya TFF, Chirwa alifika kusikiliza kesi hiyo akiwa na muwakilishi wake na alikiri kutenda kosa hilo.

“Kamati baada ya kumsikiliza Chirwa na kupitia video za mchezo huo pamoja na taarifa ya kamishna  na muamuzi imetoa adhabu kwa mchezaji huyo kupitia kanuni ya 37(7b) na kanuni za nidhamu za TFF kifungu cha 48(1d) na 48(2)”. Imeeleza sehemu ya taarifa hiyo.
@tanzania.beauty

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Rais wa Rwanda Amesha tua uwanja wa ndege wa JK

Rais wa Rwanda, Paul Kagame amewasili Uwanja wa ndege Julius Nyerere kwa ajili ya ziara ya kikazi ya siku moja nchini.

Endelea kufuatilia mitandao yetu kwa taarifa zaidi.

@tanzania.beauty #tanzaniaBeauty #tzbeauty

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LEO KATIKA HISTORIA:

Mwaka1964: Wazanzibari wapigania Uhuru waliipindua Serikali ya Sultan Jamshid bin Abullah na kuanzisha utawala wao huru chini ya Abeid Amani Karume. Miezi mitatu baadaye Zanzibar iliungana na Tanganyika kuunda Jamhuri ya Muungano wa Tanzania.

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Miaka 54 Ya Mapinduzi Ya Zanzibar

Leo ni siku muhimu sana kwa serikali ya Mapinduzi ya Zanzibar ambapo wanakumbuka namna walivyoweza kupindua utawala wa Kikoloni kutoka kwa Sultan ambapo kwenye utawala huo hakukuwa na haki na usawa kwa Wazanzibar, ukweli utabaki palepale kuwa Mapinduzi ya Zanzibar yana thamani kubwa sana katika maisha ya wakazi wa Visiwani humo.

Mzee Omar Msongoro, mmoja wa waliokuwa wapiganaji mstari wa mbele ili kufanikisha Mapinduzi Matakatifu amesema kuwa siku hiyo January 12 mwaka 1964 wakati Mapinduzi hayo yanatokea tayari kulikuwa kuna maandalizi yaliyokwisha andaliwa kupitia kanda tofauti za Visiwani humo....
Tanzania Beauty 🚩 🚩 🚩

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Lissu afika salama Ubelgiji

Na, Saed Kubenea

MBUNGE wa Singida Mashariki, Tundu Lissu, amewasili salama nchini Ubegiji alikokwenda kwa matibabu.

Taarifa kutoka kwa mmoja wa maofisa wa serikali nchini humo zinasema, Lissu aliwasili kwenye uwanja wa ndege wa Zaventem, majira ya saa 11:40 ya jioni ya jana Jumamosi.

Lissu aliingia nchini humo kwa ndege ya shirika la ndege la Uholanzi (KLM), ambayo ilimchukua kutokea Amsadam, Uholanzi.

Mwanasiasa huyo machachari wa upinzani nchini, alianza safari yake ya matibabu ya tatu kutokea Nairobi, Kenya.

Aliondoka nchini Kenya kwa ndege ya shirika la ndege la nchi hiyo KQ, saa mbili asubuhi ya  Jumamosi.

Kwa mujibu wa afisa huyo wa serikali nchini Ubegiji, Lissu alipokelewa uwanja wa ndege chini ya ulinzi mkali wa maofisa wa polisi na wale wa usalama.

Aidha, ulinzi umeimarishwa pia kwenye hospitali (jina tunalihifadhi kwa sasa), aliyopelekwa kwa matibabu.

Lissu alishambuliwa kwa risasi, Septemba mwaka jana akiwa nyumbani kwake Area D, mkoani Dodoma. Alikuwa akitokea bungeni alikokuwa anahudhuria mkutano wa Bunge.

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Breaking news.. Simba coach yachomwa saa hii kijiwetanga baada kugonga jamaa wa pikipiki na kumuua.. Kaa nasi kwa habari kamili

Simba coach yachomwa saa hii kijiwetanga baada kugonga jamaa wa pikipiki na kumuua..

Kaa nasi kwa habari kamili

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Rais Magufuli atia hodi mwaisela kumjulia hali Kingunge. Soma zaidi>>>

Rais Magufuli amjulia hali Mzee Kingunge Ngomable Mwiru aliyelazwa katika wodi ya Mwaisela, hospitali ya Taifa Muhimbili Jijini Dar es Salaam.

Mzee Kingunge amelazwa hospitalini hapo akitibiwa majeraha baada ya kushambuliwa na mbwa nyumbani kwake Jijini Dar es Salaam.

Hali ya Mzee Kingunge inaendelea vizuri

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Tundu Lissu anaelekea Ubelgiji kwa matibabu zaidi

‪NAIROBI, KENYA: Mbunge wa Singida Mashariki, Tundu Lissu(CHADEMA) leo Saa 2.30 asubuhi anaondoka jijini Nairobi kwenda Ubelgiji kwa matibabu zaidi

- Lissu anaendelea na matibabu kufuatia shambulizi lililofanyika dhidi yake huko Dodoma na kupigwa risasi 16 huku 8 zikimwingia mwilini na 7 zimeshatolewa na madaktari wa Dodoma na Nairobi

Tanzania Beauty 🚩🚩🚩

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Mapindi Cup 2018

MSIMAMO: Kabla taifa halijashuhudia mchezo mkali katika michuano ya #MapinduziCup2018 utakaowakutanisha mabingwa watetezi Azam FC dhidi ya mabingwa wa kihistoria wa michuano hiyo, Simba SC saa 2:15 usiku wa leo, msimamo katika makundi yote umekaa hivi....

Kwa msimamo huu, Azam ikifungwa leo, inakuwa imeaga mashindano kwa kuwa huu ndiyo mchezo wake wa mwisho, lakini Simba bado itakuwa na mchezo mmoja, hivyo ikifungwa leo, itabidi kusubiri matokeo yake ya mchezo wa mwisho.

Fuatilia michuano hii kupitia Facebook page yetu ya hapa itakupa majibu mbashara kutoka dimba la Amaan Zanzibar. na instragram page yetu ya @tanzania.beauty

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