Mameneja na wamiliki · Somo 8 kati ya 15

Buni bidhaa za mikopo

Jenga bidhaa ya Biashara Loan hatua kwa hatua (riba, mipaka, ada ya maandalizi, faini ya kuchelewa na masharti), kisha uijaribu kwa mkopo wa mfano bila kuhifadhi chochote.

Takriban dakika 20

Mawazo makuu

1

Reducing balance, si Flat

Kila mkopo huanza na bidhaa ya mkopo. Chini ya Interest unaweka Interest rate (%) na Interest period; ukichagua Flat, Adili inakuonya kwamba Flat interest does not meet the reducing-balance rule. Benki Kuu ya Tanzania inataka Reducing balance, ambapo riba hutozwa kwenye salio linalobaki tu.

2

Mipaka ambayo afisa hawezi kuivuka

Term and amount limits huweka muda na kiasi cha chini, cha kawaida na cha juu, na Repayment huweka mkopaji analipa mara ngapi. Biashara Loan inaruhusu miezi 3 hadi 12 (kawaida 6) na shilingi 200,000 hadi 5,000,000, kwa marejesho ya kila mwezi (Monthly), na afisa hawezi kukopesha nje ya mipaka hii.

3

Ada na faini ya kuchelewa

Add fee or add-on huweka kila tozo: Calculation yake, inatozwa mara ngapi (Billed), na kama inakatwa kwenye fedha anazopewa mkopaji (Taken off the amount paid out). Processing fee ya Biashara Loan ni asilimia 2, inatozwa mara moja (Once) na kukatwa kwenye fedha anazopewa, kwa sababu mkopaji lazima aambiwe gharama yote. Kisha Late payment policy inatoza asilimia 5 ya kiasi kilichochelewa baada ya siku 3 za neema.

4

Masharti, Terms na majaribio

Ukiweka alama kwenye Guarantor required na National ID (NIDA) chini ya Required documents, hakuna mkopo utakaowasilishwa bila vitu hivyo. Baada ya Save product, kila mkopo mpya unanakili Terms za bidhaa. Ijaribu kwenye Loans → New Loan: Schedule preview inaonyesha marejesho sawa na riba inayoshuka kila mwezi, na hakuna kinachohifadhiwa mpaka uunde mkopo.

Mazoezi

Jaribu kwenye taasisi yako ya mafunzo

  1. 1. Fungua Loan Products, chagua + na uandike Product name, Product code na sarafu TZS, kwa mfano Biashara Loan yenye msimbo BL01.
  2. 2. Chini ya Interest, andika Interest rate (%) kama 3, chagua Flat uone onyo, kisha chagua Reducing balance na Per month kwenye Interest period.
  3. 3. Weka muda wa chini, wa kawaida na wa juu (miezi 3, 6 na 12), kiasi (200,000 na 5,000,000) na Repayment frequency iwe Monthly.
  4. 4. Chagua Add fee or add-on: Name Processing fee, Calculation Percentage, thamani 2, Type Fee, Billed Once, weka alama kwenye On every loan, na kwenye Collected chagua Taken off the amount paid out.
  5. 5. Chini ya Late payment policy weka Penalty type Percentage of overdue, Penalty value 5 na Grace period (days) 3; weka alama kwenye Guarantor required na National ID (NIDA) chini ya Required documents, acha Product is active ikiwa na alama, kisha chagua Save product.
  6. 6. Fungua Loans → New Loan, chagua mkopaji na bidhaa yako, andika 1,000,000 kwa miezi 6, soma Schedule preview, kisha ondoka bila kuunda mkopo.

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