FAIDIKA: Kuchukua mikopo ya biashara bila elimu ya ujasiriamali ni hatari

 FAIDIKA Chief Executive Officer Marion Moore (right) hands over a certificate to Margaret Yohana, an entrepreneur from Famasa Disabled Group who attended a two days " NAWEZA", a FAIDIKA free financial empowerment seminar held in Dar es Salaam end of the week. Left is co-author and project coordinator, Dr Ellen Otaru Okoedion.

 An entrepreneur from Famasa Disabled Group who attended a two days "NAWEZA", a FAIDIKA free financial empowerment seminar held in Dar es Salaam end of the week, Helen Makuru (left) is congratulated by VIBINDO Society Chairman Gaston Kikuwi shortly before receiving her certificate from FAIDIKA Chief Executive Officer Marion Moore.

 FAIDIKA Chief Executive Officer Marion Moore (right) hands over a certificate to Famasa Disabled Group Chairperson, Lillian Kabaliki, who was part of entrepreneurs  who attended a two days "NAWEZA", a FAIDIKA free financial empowerment seminar held in Dar es Salaam at the weekend. Center is VIBINDO Society Chairman Gaston Kikuwi.

 FAIDIKA Chief Executive Officer Marion Moore (right) hands over a certificate to an entrepreneur from Famasa Disabled Group who attended a two days "NAWEZA, a FAIDIKA free financial empowerment seminar held in Dar es Salaam at the weekend, Fatuma Miringa. Center is VIBINDO Society Chairman Gaston Kikuwi.

 FAIDIKA Chief Executive Officer Marion Moore (center) speaks to a group of entrepreneurs from marginalized groups and local Tanzanians from the streets, who attended a two days "NAWEZA", a FAIDIKA free financial empowerment seminar held in Dar es Salaam at the weekend. Left is VIBINDO Society Chairman Gaston Kikuwi and right is Andrew Okallo, Project designer. 

  Director for Small Industries and Small and Medium Enterprises (SMEs) at the Ministry of Industry and Trade, Consolata Ishebabi, speaks to a group of entrepreneurs from marginalized groups and local Tanzanians from the streets, who attended a two days "NAWEZA", a FAIDIKA free financial empowerment seminar held in Dar es Salaam at the weekend. Left is VIBINDO Society Chairman Graston Kikuwi and right Emanuel Mwakyusa co-author of the training manual and moderator. 

One of the entrepreneurs (fourth right) who attended a two days"NAWEZA", a FAIDIKA free financial empowerment seminar held in Dar es Salaam at the weekend, being congratulated by the seminar moderators, organizers and sponsors.   

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FAIDIKA: Kuchukua mikopo ya biashara bila elimu ya ujasiriamali ni hatari   

Na Mwandishi Wetu.

Wajasiriamali wakitanzania wameonywa dhidi ya tabia ya kuchukua mikopo bila kuwa na elimu sahihi ya kuziendesha biashara zao, lakini badala yake wanapaswa pia kupata elimu ya ujasiriamali kama wanahitaji kuziendeleza biashara zao.

Wataalam wameonya kuwa mikopo bila ya kuwa na ujuzi wa uendesheji biashara unaweza sababisha biashara kufanya vibaya, mtaji kufa kabisa na kupelekea mkopaji kubaki na madeni makubwa.

Akizungumza wakati wa warsha ya siku mbili iliyoandaliwa na FAIDIKA kwa wajasiriamali wadogo na wa kati kupata mafunzo ya usimamizi wa biashara na fedha iliyofanyika jijini Dar es Salaam mwishoni mwa wiki, Mkurugenzi wa viwanda vidogo na biashara ndogo ndogo na wa kati kutoka Wizara ya Viwanda na Biashara, Consolata Ishebabi alisema biashara za kitanzania zinashindwa kuendelea kutokana na ukosefu wa elimu ya usimamizi bora na uongozi wa biashara.

“Watanzania wengi wajasiriamali wanadhani kuwa na mtaji wa kutosha ni njia pekee ya kufanikiwa katika biashara. Hili ni wazo potofu. Wengi uchukua mikopo baada ya hapo biashara zao ushindwa kukua na wanajikuta katika madeni makubwa,” alisema.

Aliwaasa wajasiriamali kujenga utamaduni wa kutafuta mafunzo fasaha kabla ya kuwekeza sana katika biashara ambazo hawazifahamu kiundani.

Kwa upande wake, Ofisa Mtendaji Mkuu wa FAIDIKA Marion Moore alisema ikiwa ni kama mchango wa kampuni yake kwenye ustawi wa jamii ya kitanzania, FAIDIKA imetanua wigo wa elimu ya ujasiriamali mpaka kwa jamii ya kitanzania isiyokuwa na uwezo, kupitia warsha ya mafunzo ya usimamizi wa biashara na uhamasishaji ijulikanayo kama ‘FAIDIKA FREE Financial Empowerment, ikiwa na kauli mbiu ya ‘NAWEZA’.

Warsha hiyo pia iliyoambatana na uzinduzi wa kitabu cha mafunzo kilichoandikwa na wataalam watatu wa mafunzo ya biashara, imeanzia jijini Dar es Salaam na itaendelea katika mikoa mingine.   

“Mpango huu umelenga katika kukuza na kutekeleza mbinu za ukuzaji uchumi kwa watu wa hali ya chini kama walemavu na watu waishio katika mazingira magumu kupitia mikopo midogo midogo na elimu ya ujasiriamali na itafanyika kama warsha ya siku mbili itakayojumuisha masuala yote ya jinsi gani ya kuanzisha, kuendesha biashara na pia jinsi ya kutumia teknolojia hususani ya simu za mokoni ili kuboresha biashara,” alisema.

Bi Moore alisema kuwa mwishoni mwa warsha, washiriki wataweza kutambua ni biashara ya aina gani wanataka kuifanya, kuandika mchanganuo wa biashara, kufanya mahesabu ya awali na kuweza kubadilisha maisha yao. 

"Haya ni majaribio ya awali ya elimu kwa umma na utafanyika katika mkoa wa Dar es Salaam, Mbeya na Arusha, ikilenga jumla ya washiriki 300 kutoka katika makundi matatu: Wanawake wa Tanzania asilimia 34, watu wenye ulemavu asilimia 32 na watu wa kawaida mitaani asilimia 34," alisema.

Kwa hatua nyingine, Ofisa mtendaji mkuu huyo wa FAIDIKA alidokeza kuwa, mbali na kuwakopesha waajiriwa kama ilivyokuwa desturi yao, taasisi yake ya fedha hivi karibuni itaanza kutoa mikopo kwa Wajasiriamali wadogo na wa kati, taasisi ndogo za fedha, kukopesha kwenye biashara, na itakuwa ikifanyakazi kwa ukaribu na watu wanaojituma, waaminifu na kujiamini kuwa wanaweza kama ilivyo kauli mbiu yao ya ‘NAWEZA’.

Bi Moore alibainisha kuwa wajasiriamali watakaopata mafunzo hayo pia wataingia katika shindano la uandishi wa mchanganuo wa biashara, ambapo mshindi atapokea zawadi ya pesa taslim itakayokuwa kama mtaji kwa mchanganuo huo wa biashara ulioshinda.

Kwa niaba ya washiriki wote wa mafunzo hayo, Mwenyekiti wa Kundi la wajasiriamali walemavu (FAMASA disabled group), Lillian Kabalika, aliipongeza FAIDIKA kwa kutambua umuhimu wa kuwasaidia watu wenye ulemavu kwa kuwapatia elimu ya ujasiriamali bure.

“Tunatoa pongezi kwa wazo hili. Tunawaomba FAIDIKA wasiishie kuwapatia mafunzo watu wasiojiweza peke yake, lakini pia wawasaidia katika kuyafanyia kazi yale waliojifunza. Na pia nawaomba waendelee na elimu hii ili watu wengi walio na ulemavu watambue kuwa ulemavu si kushindwa na kila kitu na wanaweza kuondoka mitaani na kuacha kuomba omba na kuanza kujitegemea na hata kuweza kutengeneza ajira zaidi na kuwaajiri wale wasiokuwa na ajira,” alisema.