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Analysis

Chungu tamu: bilioni 100 zilizotengwa na nmb kuwakopesha wakulima, wavuvi na wafugaji

  • Posted by Bakari Mahundu
  • Categories Analysis, Blog, Business, Economics>Articles, Economics>Market, Economics>Plannings
  • Date October 20, 2021
  • Comments 0 comment

Oktoba 7 mwaka 2021 jijini Dar es saalam, Bank ya NMB ilizindua mpango wake wa kutoa mikopo yenye riba nafuu kwa wateja wake wa sekta ya kilimo, ufugaji na uvuvi.

Ambapo kiasi cha pesa za Kitanzania bilioni 100 zimetengwa kwa ajili ya makundi hayo, huku kukiwa na punguzo la riba ambapo wavuvi, wakulima na wafugaji watakaochukua mikopo hiyo watatakiwa kulipa kwa riba isiyozidi asilimia 10 kwa mwaka, ili kuongeza uzalishaji.

Hii ni fursa muhimu mno kuwahi kutokea kwa bank moja kama hii kutenga kiasi kikubwa cha pesa kwa ajili ya kuwakopesha wakulima, wavuvi pamoja na wafugaji nchini. Kongole kwa NMB!

Wakulima, wafugaji na Wavuvi wamethaminiwa!

Ni ukweli usiofichika kuwa; Sekta ya kilimo, uvuvi na ufugaji ni sekta muhimu kwa taifa na mtu mmoja mmoja, kwani sekta hizi zimetengeneza ajira kwa Watanzania wengi na kuongeza idadi ya walipa kodi ambao wanaongeza pato katika Taifa na kuwa chachu ya maendeleo.

Tatizo la mtaji wa kuongeza na kuboresha uzalishaji kwa wakulima, wavuvi na wafugaji ni tatizo kubwa kwa wengi; Wakati mwingine kutokana na kukosa mtaji wa kutosha kunapelekea hata kuyumba na kutoendelea na shughuli za uzalishaji huku mazao na yanayopatiakana yakiwa hayana kiwango bora  kinachokidhi vigezo vya kimataifa. Hivyo kuingia hasara kila kukicha!

Pia, tatizo la mtaji limepelekea hadi baadhi ya wakulima na wafugaji kuonewa na wafanyabiashara ambao wanatoa pesa kipindi cha kutayarisha mashamba kwa matarajio ya kuuziwa mazao kwa bei ya chini kwa kigezo cha kufidia gharama walizoingia kuhudumia mazao hayo. Kutokana na wakulima kukosa njia mbadala wanajikuta wanaingia mikataba hiyo kandamizi na wakati wa  mavuno unapofika huingia hasara kubwa mno!

Taasisi za kifedha ziweke mkakati na utaratibu wa kukutana na wavuvi、wakulima na wafugaji: ili kutambua changamoto zao na kwa namna gani taasisi hizo zinaweza kuingia ubia na wadau hao katika sekta ya uchumi. hii ni kutokana na ukweli kwamba sekta hizi zinamchango mkubwa kwa taifa. Sekta ya kilimokatika pato la taifa ulikuwa ni asilimia 26.9 kwa mwaka 2020, huku sekta hiyo ikiwa imechangia kwa asilimia 58.1 katika kutoa ajira nchini na kuchangia zaidi ya asilimia 65 ya malighafi za viwandani. Pia upande wa sekta ya uvuviilikuwa kwa asilimia 6.7 na mchango wake katika pato la taifa ulikuwa asilimia 1.71 . Huku sekta hiyo ikiwa imeajiri wavuvi wapatao 195, 435 na wakuzaji viumbe maji wapatao 30, 064. Huku zaidi ya Watanzania milioni 4.5 wakiwa wanapata mahitaji yao ya kila siku kutokana na sekta hii muhimu .

Sambamba na hilo sekta ya mifugo kulikuwa na ongezeko la idadi ya mifugo ukilinganisha na miaka ya nyuma huku sekta hii kwa mwaka 2020 ikiwa imechangia asilimia 7.1 katika pato la taifa. hii yote inathibitisha namna ambavyo sekta hizi zinamchango mkubwa kwa taifa.

Ili kupunguza urasimu katika utoaji wa mikopo hiyo, lazima taasisi za kifedha nchini ziweke wazi hatua na taratibu zote stahiki ya kupata Mikopo hiyo: Hii itaepusha uchelewaji wa kupata Mikopo kwa kutambua taratibu zote za awali na kuepuka watu wakati wanaoweza kuwa kikwazo juu ya upatikanaji wa Mikopo hiyo kwa wakulima,wavuvi na wafugaji nchini.

Walichofanya NMB ni kuwakomboa wadau hawa waliokuwa wanalia kuhusu mitaji ya kuongeza uzalishaji. Lakini kwa upande mwingine mikopo hiyo kama haitatolewa kwa mikakati madhubuti itakuwa mzigo na kilio zaidi kwa wafugaji, wakulima na wavuvi nchini.

Mikopo itolewe sambamba na elimu kwa wakulima,wafugaji na wavuvi: Kulingana na mfumo wa Tanzania na Afrika.Wengi waliojiajili katika sekta hizi wanatoka vijijini na hawana elimu ya kutosha juu ya teknolojia na hali ya sasa ya dunia. hivyo elimu itolewe juu ya namna gani wanaweza kutumia pesa za mikopo kuongezatija katika shughuli zao.

Hivyo basi kwa jicho la kipekee, lazima wadau hawa wapewe elimu juu ya matumizi ya pesa hizo katika kupanua uzalishaji; Kama kuongeza ardhi ya kilimo na ufugaji, kuongeza vifaranga vya samaki na mifugo kama mbuzi na ng’ombe vilivyotafitiwa kitaalamu , kutumia mbinu bora kama mabwawa ya kufugia samaki pamoja na kutumia madawa ya kuzuia magonjwa kwa mifugo na mazao pamoja na kuongeza pembejeo za kisasa.

Kama pesa hizo zitatumika ipasavyo basi tutashuhudia kupaa kwa idadi ya Watanzania waliojiajili kupitia sekta hizo tatu muhimu.

Wakati huohuo, wakulima, wafugaji na wavuvi wanaweza kuongeza uzalishaji lakini changamoto ikabaki kuwa ni soko la kuuzia mazao na bidhaa zao walizozalisha kwa wingi. Hivyo ni vyema NMB wakaona umuhimu wa kuwatambua wafanyabiashara na wamiliki wa viwanda nchini kwa kuwapa pia mikopo ya riba nafuu na rahisi. Ili kuleta muingiliano mzuri katika masoko na uzalishaji.

Pia NMB ifanyekazi kwa karibu na wizara ya viwanda na biashara pamoja na sekta nyingine binafsi zitakazochangia upatikanaji wa masoko ya uhakika kwa bidhaa na mazao yatokanayo na uvuvi, kilimo na ufugaji.

Mwisho, Wakulima, Wafugaji na Wavuvi  wakazitumie pesa hizo kama ilivyokusudiwa ili kutoa imani kwa taasisi zingine za kifedha kutoa mikopo nafuu zaidi. Pia tukaone kukua na kuongezeka kwa uzarishaji na upatikanaji wa bidhaa bora zinazokidhi vigezo vya kimataifa kutoaka na mitaji hiyo.

Tukumbuke deni hulipwa, hivyo tukalipe deni huku tukiwa tumepata faida zaidi ya tulivyokutwa mwanzo!

picha:DW

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Bakari Mahundu

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