Zitto na Demokrasia

Zitto na Demokrasia

Posts Tagged ‘kigoma

Saving in Poor Countries

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Saving in Poor Countries

Beyond Cows: Incentives through social security to boost saving

Zitto Kabwe, MP

Kipindi cha maswahil na majibu

The Economist (September 20th, 2014) published an article (http://www.economist.com/news/finance-and-economics/21618900-coaxing-does-more-boost-saving-compelling-beyond-cows ) with above caption except that I have replaced ‘coaxing does more to boost saving than compelling’ with reference to social security. The article says that only 18% of the adults in Middle East and Africa have an account at a formal financial institution compared to 80% in high income countries. The poor have to save more as that “would help them to pay for big or unexpected expenses, such as school fees or medical treatment. It would also boost investment and thus accelerate economic growth” The Economist argues.

The article explains about difficulties for poor people to save including lack of self discipline. As a result Commitment savings accounts (CSAS) are growing rapidly. Many poor people in countries like Tanzania join Savings and Credit Societies (SACCOS) because they want to access their cash when in need as well as getting small loans for various purposes. However there are challenges to saving by poor people, “people in poverty often need access to their cash at short notice, whether for medical emergency or to take advantage of a business opportunity” as per the study done by Nava Ashraf of Harvard University as quoted in the article. Tanzania has developed a solution to mentioned challenges by encouraging savings by poor people through social security system.

National Social Security Fund (NSSF) the largest pension fund in East Africa has introduced a scheme to cover informal sector with social protection. Wakulima scheme (peasants scheme) enroll small-holder farmers into the fund by contributing Tanzanian shillings 20,000 (US $12) monthly and members benefit from short term and long term benefits. Short term benefits includes health insurance to members and access to small credits through NSSF member’s SACCOS scheme. Long term benefits include pension after consistent contributions for 10 years and attainment of formal retirement age which is 55 in Tanzania.

Coffee peasants from Kigoma, a remote region west of Tanzania, along the shores of Lake Tanganyika, were the pioneer of the scheme in 2013. They joined through their primary cooperative society of 1500 members and paid their membership contributions six months in advance. Since 2013 coffee buying season they got cheap credit from NSSF to buy coffee beans at interest rate of 9% (previously they were paying 18% to commercial banks). The cooperative, RUMAKO paid back this loan (US$ 1million) within a year after selling their crop. Peasants enjoy health insurance and have access to credits to improve their farms and engage in other enterprising activities. This year coffee production doubled because of access to inputs like fertilizers and pestcides as well as the excitement of socially protected living. NSSF decided to rollout the scheme all over the country in 2014, targeting 400,000 small holder farmers in cooperatives.

With schemes like these and innovations taken, poor countries can build savings culture, boost investments especially in agriculture and agro processing, accelerate growth and massively reduce poverty. Innovations like these mitigate the challenges of short term needs. However governments need to do more by, for example, introducing matching, whereby when a poor person (a peasant) saves a certain amount the government match it with a third of the amount, since poor peasants don’t really retire, introduce a price stabilization insurance coverage or drought insurance. These will provide incentives to save.

Written by zittokabwe

September 29, 2014 at 9:23 PM

Siku ya 7 CHADEMA Kanda ya Magharibi- Jimbo la Bukene, wilaya ya Nzega

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Timu ya CHADEMA kanda ya Magharibi ikijumuisha Mwenyekiti wa Kanda Ndg. Mambo na Wenyeviti wa Mikoa 3 ya Kigoma, Tabora na Katavi tumetembelea Jimbo la Bukene, wilaya ya Nzega.
Kama ilivyo kwa mikutano iliyopita tumezungumza umuhimu wa Katiba na mchakato wake kutopendelea chama chochote cha siasa kwani tunaandika katiba ya nchi, umuhimu wa mwafaka wa kitaifa na kuwapongeza viongozi wakuu wa vyama kwa kukubali kufanya mazungumzo ili kupata mwafaka. Pia tuliwaambia wananchi wasikubali mbinu chafu za kutaka kuongeza muda wa Bunge mpaka 2017 kwani itakuwa ni kinyume na katiba yenyewe.
Wananchi wa Bukene ni wakulima wa Pamba na sehemu kidogo Tumbaku. Kioja tulichokikuta Bukene ni wananchi kuuziwa dawa za Pamba feki ambazo haziui wadudu! Wananchi wa vijijini wanafanyiwa kila aina ya dhulma na kukandamizwa.
Pia tulielezwa namna watendaji wa vijiji na kata wanavyonyanyasa raia kwa kujifanya wao wakamataji, waendesha mashtaka na mahakimu. Wanatoza faini wananchi kwa kesi za kubambika. Itabidi tutafute namna ya kuhakikisha hatua zinachukuliwa dhidi ya watendaji wa kata na vijiji wanaokiuka misingi ya utawala bora. Wananchi wa vijijini wana haki ya kuishi kama raia wengine wa Tanzania. Tusiwasahau

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Written by zittokabwe

October 12, 2013 at 9:21 AM

Extending Social Security to the excluded: A Personal Tour of Duty

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Written by zittokabwe

October 3, 2013 at 12:51 PM

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Mhamiaji Haramu? #WahamiajiHaramu cc @hrw @refugees @amensty

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This old man lives in Kigoma with documents from UN as a refugee. The govt denies that it doesn’t deport such people. This is an evidence of a person dumped at DR Congo Embassy in Kigoma. Interestingly during elections CCM gives membership cards to refugees to vote for them as evidenced here.

For how long will Tanzania lives in state of denial?

 

Familia moja kwa wazazi wote 2 haiwezi kuwa na baadhi wahamiaji haramu na baadhi Watanzania. Lakini kutokana na kukamata watu hovyo kunakofanywa na Askari wa Polisi, Uhamiaji na JWTZ huko Kigoma inawezekana.

 

Mzee huyu alikamatwa akitoka porini kuchimba dawa. Amekamatwa na familia yake nzima. Alihukumiwa ni mhamiaji haramu hata kabla ya kuhojiwa. Kosa lake? Mmanyema. Askari wakikumata ukasema wewe ni Mmanyema au Mbembe unaitwa mkongo. Ukisema wewe Muha unaitwa Mrundi. Operesheni ya wahamiaji haramu itaacha mtu Kigoma?

 

Mama huyu kakamatwa kama mhamiaji haramu na kupelekwa Ubalozi mdogo wa DR Congo uliopo Manispaa ya Kigoma. Amezaliwa Tanzania, amesomea Tanzania, Baba yake Mtanzania, Babu yake Mtanzania na Ndugu zake wengine Watanzania na hawakukamatwa. Amekamatwa akitoka kuchota maji ziwani Tanganyika. Malalamiko yake nimeyafikisha kwa Waziri wa Mambo ya Ndani.

Written by zittokabwe

September 16, 2013 at 11:16 AM

Vox Pops with #KigomaAllStars musicians after the #LekaDutigite Concert

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Written by zittokabwe

July 24, 2012 at 2:24 PM

Photo: #LekaDutigite Kigoma All Stars Concert in #Kigoma

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All musicians on stage performing the Leka Dutigite song

Photo by Pernille Bærendtsen

Written by zittokabwe

July 18, 2012 at 12:54 PM

Mchango wangu Bungeni-Hotuba ya Waziri Mkuu: Haki za Uraia, Mafuta/Gesi Asilia na Uwajibikaji

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MHE. ZITTO Z. KABWE:

Haki za Uraia, Mafuta/Gesi Asilia na Uwajibikaji

Unyanyasi wa Watu wa Kigoma

Mheshimiwa Mwenyekiti, nakushukuru kwa kunipa fursa ya kuchangia Hotuba hii ya Waziri Mkuu. Jana Mheshimiwa Waziri amekuja kuomba Bunge limuidhinishie jumla ya shilingi trilioni 3.8 kwa ajili ya Ofisi yake na taasisi zote zilizo chini ya Ofisi yake pamoja na takribani shilingi bilioni 113 kwa ajili ya Bunge. Fedha zote hizi takribani shillingi trilioni 3.2 zinakwenda Wizara ya Tawala za Mikoa na Serikali za Mitaa.

Mheshimiwa Mwenyekiti, kabla hatujaweza kumuidhinishia Mheshimiwa Waziri Mkuu fedha hizi na yeye kama Mkuu wa Shughuli za Serikali, msimamizi wa kazi za Serikali za kila siku na ambaye anaangalia utendaji wa takribani Mawaziri, wote ni vizuri aweze kutoa majibu kwa baadhi ya masuala ambayo mengine ameyaainisha kwenye hotuba yake, lakini mengine hakuyaainisha katika hotuba yake.

Mheshimiwa Mwenyekiti, nitaanza na Kigoma. Mheshimiwa Waziri Mkuu katika ukurasa wa 51 wa Hotuba yake amezungumzia masuala ya ulinzi na usalama lakini hakugusia kabisa operesheni ambazo zinaendelea hivi sasa katika Mkoa wa Kigoma nadhani na Mkoa wa Kagera kuhusiana na masuala ya wahamiaji haramu. Hivi tunavyozungumza ni kwamba mamia ya watu wa Kigoma wameonyeshwa kwamba siyo raia wa Tanzania. Utaratibu huu umekuwa ukiendelea mwaka hadi mwaka. Napenda Mheshimiwa Waziri Mkuu akumbuke historia baada ya Vita vya Kwanza vya Dunia kati ya mwaka 1918 na mwaka 1924 Kigoma haikuwa sehemu ya Tanganyika. Kigoma ilikuwa inatawala kama inavyotawaliwa tofauti sasa hivi Burundi kama inavyotawaliwa sasa tofauti Rwanda. Kwa muda mrefu sana Mkoa wa Kigoma umeachwa nyuma katika kila kitu eneo la maendeleo.

Mimi nimeona lami ya kwanza ya highway mwaka 2008. Miaka zaidi ya 40 baada ya uhuru. Leo hii watu wa Kigoma wa maeneo ya Kusini mwa Kigoma wa maeneo ya Kaskazini mwa Kigoma wanasombwa kwenye maboti, wanasomwa kwenye magari wakiambiwa kwamba siyo raia wa Tanzania. Hatuwaoni Wamakonde wakiambiwa kwamba siyo raia wa Tanzania na wanapakana na Msumbiji. Hatuwaoni Wamasai wanaambiwa siyo raia wa Tanzania na wanapakana na Kenya. Hatuwaoni Wachaga wanaambiwa siyo raia wa Tanzania wanapakana na Kenya. Hatuwaoni Wanyakyusa wanaambiwa siyo raia wa Tanzania wanapakana na Zambia na vile vile wanapakana na Malawi.

Kwa nini suala hili liwe ni kwa watu wa Kigoma na watu wa Katavi peke yake? Kwa nini tunatumia fedha za nchi, polisi wa nchi kwenda kusumbua watu wa Kigoma. Nilikuwa naomba Mheshimiwa Waziri Mkuu operesheni inaendelea sasa hivi katika Mkoa wa Kigoma kuwanyanyasa Raia wa Kigoma waonekane ni Raia wa Tanzania wa daraja B ikome mara moja na viongozi wa Kisiasa, Wabunge wote  wa Mkoa wa Kigoma na Wakuu wa Wilaya na Wakuu wa Mikoa tukae tuweze kuangalia kwa sababu kuna uonevu wa hali ya juu sana katika operesheni ambayo inaendelea hivi sasa.

Mheshimiwa Spika, nilikuwa naomba niyaseme hayo vizuri na ninarejea kwamba tumefundishwa na wazee wetu kwamba sisi kati ya mwaka 1918 na mwaka 1924 hatukuwa sehemu ya Tanganyika iliyokuwa inatawaliwa na Mwingereza. Ninaomba nirejee sisi ni watu wa Kigoma kwanza kabla hatujawa wa Tanganyika, kabla hatujawa Watanzania. Ninaomba nilisisitize hili na watu wa Kigoma wananisikia kwa sababu tumenyanyaswa sana. Ninaomba masuala ya uraia yaangaliwe kwa karibu sana. Huu ni ujumbe ambao nimepewa na watu wa Kigoma nimeombwa niueleze na naomba Ofisi ya Waziri Mkuu, Mkuu wa Kigoma yupo hapa, Wakuu wa Wilaya, Kamanda Mkuu wa Mkoa wa Polisi wa Mkoa wa Kigoma na IGP waweze kuliangalia jambo hili kuweza kuhakikisha kwamba tunawalinda raia wa Kigoma.

Wenye Mabilioni Uswisi(Switzerland)

Mheshimiwa Mwenyekiti, la pili, Mheshimiwa Waziri Mkuu kumekuwa na taarifa ambazo zimeandikwa katika vyombo vya habari toka wiki iliyopita. Lilianza Gazeti la The East African baadaye wakaja Gazeti la The Citizen na leo nimesikia kwamba Gazeti la Mwananchi limezungumza kwamba kuna Watanzania 6 wana fedha katika akaunti kule Uswisi zaidi ya shilingi bilioni 303. India walipopata taarifa hizi kutoka Benki ya Uswisi waliwataja majina watu wote wana siasa na wafanyabiashara wenye fedha nje na fedh zile zikachunguzwa zile ambazo zimepatikana kwa haramu zikarejeshwa India. Nilikuwa naomba Mheshimiwa Waziri Mkuu uagize TAKUKURU na vyombo vyote vya Ulinzi na Usalama kwanza tutambue ni Watanzania gani hawa na fedha hizi zimepatikana kwa njia zipi na zile ambazo zimepatikana kwa njia ya wizi na ufisadi zirejeshwe nchini mara moja. Kwa sababu hatujaanza kunyonya utajiri huu wa gesi tayari kuna watu ambao wameshaanza kutajirika nao.

Tutakapoanza kunyonya hali itakuwaje? Kwa hiyo, nilikuwa naomba suala hili Serikali ilichukulie kwa uzito mkubwa ili itume salaam kwa mtu yeyote ambaye anatarajia kwamba atafaidika na utajiri wa rasilimali ya nchi kama gesi na madini na kadhalika ajue kwamba kokote atakapoficha fedha zake tutazifuata na zitarudi katika nchi hii. Nilikuwa naomba Waziri Mkuu aweze kuliangalia jambo hili kwa ukaribu sana.

Zuia Makampuni ya Kigeni kwenye Ulinzi

Mheshimiwa Mwenyekiti, la tatu hivi sasa Kiongozi wa Upinzania amezungumza jana kuna meli ziko Pwani ya Mkoa wa Pwani, Lindi na Mtwara zinatafuta mafuta. Mheshimiwa Waziri Mkuu hakuna kampuni hata moja ya mafuta inayonunua hata mchicha kutoka Tanzania. Meli zote ambazo ziko Bandari Mtwara zinakwenda kupeleka huduma kwenye maeneo ambayo yanatafuta mafuta yanapata mchele, nyanya, vitunguu, mchicha, mafuta ya kula na kadhalika kutokea Kenya kwa sababu hatujaweka utaratibu wa kufanya nchi yetu iweze kufaidika na utaraji huu mwanzoni. Kwa sababu hatua hizi za mwanzoni hakuna kodi ambayo tunapata kwa sababu mafuta bado yanatafutwa.

Hatua hizi za mwanzoni tunatakiwa tufaidike na fedha inayokuja, watu waweze kutumia fedha za kutoka ndani. Lakini hali ilivyo hivi sasa ni kwamba makampuni ya mafuta yanatumia zaidi ya dola milioni 161 kwa ajili ya shughuli za ulinzi na makampuni yanayolinda, ni makampuni ya nje. Yanabeba silaha kubwa kubwa, siku yakiamua kutugeuka na Navy yetu ilivyo tutapata shida. Nilikuwa naomba tutenge resources za kutosha na hata kama hatujaziweka kwenye bajeti sasa hivi, tuangalie, tuimarishe Navy na tupige marufuku, tuandike sheria kabisa kwamba itakuwa ni marufuku kwa raia yeyote wa kigeni kubeba silaha zozote kubwa ili kuweza kuhakikisha kwamba ulinzi ama unafanywa na watu wa ndani au unafanywa na Navy yetu tuweze kulinda mipaka yetu vizuri.

Utafutaji Mafuta Zanzibar Uendelee

Mheshimiwa Mwenyekiti, pili kuna suala ambalo halijaisha na Kiongozi wa Upinzani Bungeni jana amelizungumzia la mafuta na gesi katika masuala ya muungano. Nilikuwa naomba jambo hili tulimalize kwa haraka. tulimalize kwa haraka na mimi sioni ubaya kwa kweli, sioni ubaya hata kidogo kama tukiamua kwamba shughuli zote commercial not upstream, sio masuala ya regulation, sio masuala ya vibali, sio masuala ya kutoa leseni, masuala yote commercial yanayohusiana na mafuta na gesi, kila upande wa muungano ushughulike na masuala yake.

Hakuna sababu ya kunga’gania jambo hili kama sisi tuna dhahabu, tuna tanzanite, tuna madini hayapo sehemu ya muungano, kwa nini mafuta na gesi yawe sehemu ya muungano? Hili ni jambo ambalo tulimalize, liishe tuimalize hii kero, vikao na vikao havitasaidia, tuimalize hii kero, tu-move forward watu wa Zanzibar waanze utaratibu wao wa kufanya utafutaji wao, waangalie kama watayapata hayo mafuta au hawatayapata, sisi tayari huku Bara tumeshapata, tuna matrilioni ya gesi, basin a wenyewe tuwaache waendelee na utaratibu wao. Hakuna sababu ya kuchelewesha jambo hili tuweze kulimaliza mapema.

TZS 40 Bilioni kwa Kiwira

Mheshimiwa Mwenyekiti, la mwisho ni suala la Kiwira na baadae nitakuwa na mazungumzo na baadhi ya Mawaziri kuhusiana na suala hili tuliangalie kwa makini. Tumetenga shilingi bilioni 40 kwenye fedha ya maendeleo Wizara ya Nishati na Madini kwa ajili ya nini? Kuna fedha ambayo tunaenda kuwalipa watu ambao wameuharibu mgodi. Kwa nini tulipe watu ambao wameuharibu mgodi?

Lakini tunaenda kulipa bilioni 40 sio kwa Kiwira nzima..

Mheshimiwa Mwenyekiti, ahsante.

******

Related Story in THE Citizen(Wednesday, 27 June 2012):  Zitto wants Swiss bank accounts investigated probed

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