Alhamisi, 11 Agosti 2022

Mikopo midogo ina thamani kubwa kwa biashara, na ni muhimu kuelewa jinsi inavyofanya kazi.

Watu wengi nchini Tanzania wameweza kutumia mikopo midogo kutoka Tujijenge kubadili maisha yao kwa njia chanya. Katika Tujijenge, tunataka wateja wetu wajisikie huru na waelewe vizuri jinsi mkopo mdogo unavyofanya kazi. Ni muhimu kuelewa athari na wajibu unaohusiana, kwa sababu kufanya hivyo kunakupeleka hatua moja karibu zaidi na kujitegemea pamoja na kufanya maamuzi sahihi.

Kwa msingi, mikopo midogo ni huduma za mikopo zinazotolewa kwa watu ambao huenda wasiwe na fursa ya kupata mikopo ya kawaida kutoka taasisi za kifedha za jadi. Mikopo midogo ilianzishwa kama njia ya haki zaidi ya kukopesha ikilinganishwa na wakopeshaji wa mtaani ambao walijulikana kwa kuwadhulumu wakopaji. Faida za mikopo midogo zinaweza kuzidi hasara zake, na ikitumika kwa uangalifu, mkopo mdogo unaweza kubadilisha maisha.

Kwa urahisi, unatuma maombi ya mkopo kwetu kwa kiasi fulani cha fedha kitakacholipwa ndani ya kipindi maalum, tunathibitisha utambulisho wako na uwezo wako wa kurejesha mkopo, tunakukopesha fedha hizo, na wewe unalipa marejesho ya mkopo kwa utaratibu hadi mkopo wote umalizike. Ni rahisi hivyo tu.

Kwa kuendelea kuwa na nidhamu ya kulipa mkopo kwa wakati, utaanza kujijengea historia nzuri ya mkopo nasi, na kwa muda historia yako ya mkopo itaonekana bora zaidi. Ukimaliza kulipa mkopo kwa wakati na kikamilifu, unaweza kuwa na sifa ya kupata mikopo ya kiasi kikubwa zaidi, mara nyingine kwa masharti bora zaidi, hapo baadaye.

step closer to being empowered and making informed decisions.

Essentially, microloans are credit facilities given to people who may not have ready access to conventional loans. Micro lending was initially developed as a more honest alternative to loan sharks who were notorious for taking advantage of their borrowers. The benefits of microloans can outweigh any drawbacks, and, when used carefully, a microloan can change lives.

Put simply, you apply to us for a loan amount repayable over a specified period, we verify your identity and your ability to repay the loan, we advance you the loan, you make regular payments until the loan is repaid. It’s as simple as that.

With continued commitment to making loan repayments promptly, you will build up a credit history with us, and in time your credit history will look better. Once you repay a loan on time and in full, you may be eligible for more significant amounts, often at better terms, in the future.