Benki Ya CRDB Yawashukuru Wateja Wake Kwa Kuiwezesha Kupata Tuzo Ya Benki Bora Tanzania Inayotolewa Na Jarida La Global Finance

Benki hiyo imeendelea kuongoza soko kutokana na ubunifu wake wa kutoa huduma zinazozingatia uhitaji wa mteja na soko husika. Akizungumza jana Mkurugenzi Mtendaji wa Benki ya CRDB, Abdulmajid Nsekela, aliwashukuru wateja kwa kuwaamini na kuwapa nafasi ya kuwahudumia huku akisema kuimarika kwa mazingira ya biashara nchini kumewawezesha kutoa huduma zinazokidhi mahitaji ya wateja.

“Ushindi huu umechangiwa na wateja wetu kwa sababu sisi ni benki inayomsikiliza mteja, ndani ya Benki ya CRDB tunaongozwa na kaulimbiu inayosema ‘Tupo Tayari’ ikimaanisha utayari wetu wa kuhakikisha tunawapa wateja wetu huduma bora zaidi."

“Tumekuwa tukichukua maoni ya wateja na kubuni bidhaa na huduma mbalimbali zinazoendana na mahitaji ya wateja, tunawashukuru kwa kutuunga mkono tumekuwa nao bega kwa bega na kuwapa huduma na bidhaa zinazokidhi mahitaji yao,” alisema Nsekela.

Kwa mujibu wa Nsekela wamekuwa wakibuni njia mbadala za kuwafikia wateja kama kuingia ubia na mawakala ‘Agent banking’, huduma za SimBanking na Internet Banking ambazo zimesaidia kurahisisha upatikanaji wa huduma za kibenki na kuchangia juhudi za Serikali katika kujumuisha Watanzania wengi zaidi katika mfumo rasmi wa fedha.

“Tuzo hii ni kielelezo cha ukuaji wa benki ambao kwa kiasi kikubwa unachangiwa na maboresho ya huduma kwa wateja na uwekezaji katika mifumo ya kidijitali uliosaidia kurahisisha upatikanaji wa huduma na kuzisogeza karibu zaidi na wateja,” alisema.

Aidha alisema wameendelea kuunga mkono serikali katika jitihada zake za kuunda uchumi wa kati wa viwanda hasa katika kufanikisha ujenzi wa miundombinu inayohitajika.

Mwaka jana benki hiyo ilishiriki katika kuwezesha miradi ya ujenzi wa uwanja wa ndege wa kimataifa wa Julius Nyerere (Terminal III) kwa gharama ya Dola milioni 51, Reli ya Kisasa (SGR) kwa gharama ya Dola milioni 124 na mradi wa bwawa la kufua umeme la Nyerere Hydroelectric Power Project kwa kushirikiana na United Bank of Africa (Tanzania) kwa kutoa dhamana ya Dola milioni 737.5.

Benki hiyo pia iliingiza sokoni huduma ya mikopo ya uwezeshaji kwa wakandarasi na wazabuni ili kusaidia katika utekelezaji wa miradi ya kimkakati inayotekelezwa na Serikali na sekta.

Vilevile kuna mikopo ya magari ‘Safari Car Loan’ kwa kampuni za kitalii, mikopo ya kidijitali kwa wanafunzi wa vyuo vikuu ‘Boom Advance’ na mikopo ya ‘Jiwezeshe’ maalumu kwa wamachinga inayotolewa kidijitali kupitia huduma ya SimAccount sambamba na ile inayotolewa kupitia kitambulisho cha mjasiriamali.

Mikopo mingine ni ile inayotolewa kwa wanawake kupitia huduma ya ‘CRDB Malkia’ ambapo benki hiyo ilipunguza riba kwa asilimia 10 kutoka asilimia 24 iliyokuwa ikitozwa awali kutoa fursa kwa wanawake wengi zaidi kuichangamkia.

Mkurugenzi huyo alisema pia Akaunti ya FahariKilimo ni sehemu ya mkakati wa benki hiyo kuwahudumia wakulima kwa karibu zaidi kwa kuzingatia mahitaji yao na hadi sasa zaidi ya wakulima 146,000 wameshafungua akaunti hiyo na kunufaika na mikopo zaidi ya Sh bilioni 650.

“Benki ya CRDB itaendelea kutilia mkazo katika kuhudumia wateja wakubwa, wadogo na wa kati pamoja na biashara ya kilimo na kuwawezesha wawekezaji kwenye sekta ya viwanda ili kujenga Tanzania ya viwanda,” alisema.

Nsekela alisema wataendelea kuboresha huduma ili kukidhi matakwa ya makundi mengi zaidi ya wateja kwa kutengeneza bidhaa bunifu zitakazokidhi mahitaji ya wateja na zinazoendana na maendeleo ya teknolojia yaliyopo.

"Teknolojia na ubunifu vimeiwezesha benki yetu kutoa huduma bora kwa haraka, urahisi na kufikia watu wengi zaidi pale walipo, tukiwa na mtaji wa kutosha pamoja na ukwasi unaokidhi mahitaji ya uendeshaji, tuna uwezo wa kuwapa wateja wetu huduma bora zaidi na kuongeza thamani kwa wadau wetu," alisema Nsekela.

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Absa Bank Tanzania empowers its SME customers with financial literacy in Dar.

Absa Bank Ohio Branch Manager, Ally Janja (left), in conversation with some banks small and medium enterprises customers during a training on issues related to financial skills organised by the financial institution in Dar es Salaam. 

Absa Bank Tanzania Relationship Manager, Farida Kamala (right), talking to banks small and medium enterprises customers during a training session on matters related to financial skills organised by Absa in Dar es Salaam.

Absa Bank Tanzania Head of Business Banking, Melvin Saprapasen speaking to participants during a training session hosted by Absa to its SME customers in Dar es Salaam.

By Staff Writer

Absa Bank Tanzania is finalizing the process of initiating a new product before the end of this year to serve the Small and Medium Entrepreneurs (SMEs) with affordable loans.

Farida Kamala, Absa Bank Tanzania, Relationship Manager, revealed the plan at a special workshop that brought the bank’s clients most of them being SMEs with businesses of a turnover range between 20million/- and 100million/- to have them educated on critical issues related to financial management so us they grow to big businesses.

The bank organized the event held in Dar es Salaam last week in collaboration with Deloitte that brought with it auditors, tax and finance experts to educate SMEs on critical issues they should consider to grow their businesses.

“There was a delay for the bank to come up with products targeting SMEs due to a cross section of shortcomings. We are finalizing arrangements of the loan scheme for SMEs at least starting with those who manage a turnover of 50million/- annually. One need to bank with us for at least six months to qualify for the loans issued through this scheme” she explained.

About 200 SMEs were brought together at the workshop and got exposed to knowledge to bridge gap analysis in the angles of tax, audit, business plan, financial reporting and real time performance insights.

“Most of SMEs being start-ups or family businesses fail because of credit risk expenditure and lack of knowledge to manage limited revenue growth, maintaining business continuity and succession arrangements” affirmed Kamala.

Addressing SMEs on tax related issues, Festo Bartholomew, Senior Manager Tax Deloitte, advised them on the importance of preparing and keeping accounting records of their businesses. He said that most small and medium businesses fail due to delay in tax payment hence creating accrued charges and penalties.

“One of the key facts to make your business grow big is filling provisional and income returns of every quarter even those of minor expenses related to the referred business. SMEs must build the culture of tax planning to determine your effective tax rate margin. Consultation of experts is needed to protect yourself from getting into problem with the revenue authority by incurring unnecessary penalties” he warned.

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