Omba

Bonyeza hapa Kuomba EFTA sasa,  vinginevyo endelea kusoma kupata sababu kubwa zaidi za kuwasiliana na EFTA na

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Dhamana haihitajiki

Tofauti na benki nyingine nyingi Tanzania, EFTA haikutaki utoe dhamana ya aina yoyote ili ukopeshwe mashine.

Benki nyingine watakuuliza mali kama nyumba au magari kama dhamana kwa ajili ya mkopo wao. Hili ni kwa sababu EFTA wanakupa mkopo kwa kukodisha, ikiwa na maana kwamba hizo zana zenyewe zinaweza kufanya kazi kama dhamana ya EFTA.

Manufaa ni kwamba bado unabakiwa na dhamana ambayo waweza kuitumia kama mtaji wa kufanyia kazi na kuombea mkopo kukuza biashara yako.
Pia ina maana hauhitaji kupoteza muda na nguvu zako kupata hati za nyumba jambo ambalo huweza kuwa gumu na kuchukua muda mrefu.

Long Repayment Term

Kipindi kirefu cha kulipa mara nyingine

Pale EFTA, tunaelewa kwamba mtaji wa kufanyia kazi waweze kuwa umebana mwanzoni mwa uwekezaji. Kama mteja, unapewa kipindi cha miezi miwili cha msamaha/neema unapopokea mashine zako kuanzisha shughuli zako na kupokea malipo toka kwa wateja. Ni baada tu ya siku sitini ndipo EFTA watataka rejesho la kwanza.

Baada ya hapa, kipindi cha miezi 36 kina maana kwamba marejesho yanagawanywa kwenye mafungu madogo madogo, jambo ambalo litaifanya biashara yako ipanuke. Katika benki nyingi, ungetakiwa kurejesha kabla hata mradi haujaanza kuleta faida. Kwa EFTA, unakuwa na fursa nzuri kabisa ya kupata mafanikio katika biashara yako.

Competitive Interest Rates

Viwango vya chini vya riba

Kwa viwango shindani vya riba, EFTA wanatoa huduma mbadala wa benki zingine za kibiashara. Hata hivyo ukizingatia kwamba huhitaji kulipa kitu chochote hadi vifaa vyao vianze kazi, utakuta kwamba bidhaa za EFTA zinatoa thamani kubwa zaidi ya fedha. Kwa benki nyingi, unaanza kurejesha mkopo wako pale tu unapoondoka hapo benki.

No need for audited accounts and business plans

Hapahitajiki mahesabu yaliyokaguliwa na mipango ya biashara.

EFTA, tunatambua kwamba kutayarisha mahesabu yaliyokaguliwa na pia mipango ya biashara vinaweza kuwa ghali na vyenye kuchukua muda kwa mjasiriamali.

Hata hivyo pia ni muhimu tuweze kuelewa biashara yako inafanyaje kazi. Hii ndiyo sababu, Wakati wa awamu ya maombi ya mkopo, EFTA watahitaji kuchanganua mzunguko wa fedha na faida katika biashara yako.

Mara nyingi hili huhitaji kuchunguza kwa kina kumbukumbu za mauzo yako, pamoja na kutembelea eneo lako la kazi ambapo tutakagua mazingira, kukutana na wateja na wafanyakazi wako. Wakati ambapo mahesabu yaliyokaguliwa yanakaribishwa, tunatafuta njia nyingine za kuweza kuijua biashara yako.

Uwazi

Tofauti na baadhi ya benki, hakuna malipo/ada mengine yaliyofichika kama vile malipo makubwa ya kuomba mkopo au malipo ya kushughulikia mkopo. EFTA, ni bure kuleta maombi na hutahitaji kufanya malipo yoyote hadi upokee barua ikikuambia umekubaliwa. Ada pekee ni Shilingi 10,000 kwa ajili ya kuhudhuria semina ambapo utapewa chakula na kinywaji na pia ushauri kuhusu biashara yako.

SMEs in developing countries

Caught in the Middle: EFTA's work in East Africa featured by the Economist

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News

  • 1 October 2016
    EFTA opens new branch in Dar es Salaam! The branch is located at IT Plaza on Ohio Street. Currently EFTA is only working with customers who work with an EFTA preferred supplier.
  • 8 August 2016
    Morogoro wins 3rd place for best Financial Institution for Farmers (after NMB and Finca); Mwanza wins 3rd best service provider among financial institutions at East African Exhibition (after CRDB and FNB)
  • 6 June 2016
    EFTA’s work with SMEs in Tanzania featured by the Economist.
  • 9 April 2016
    EFTA opens new branch in Morogoro, Tanzania on Madaraka Road – now able to serve the Morogoro region!
  • 9 December 2015
    EFTA opens new branch in Bukoba, Tanzania on Migeyo Street – now able to serve customers in Kagera!

EFTA Whistleblower hotline

Thank you for contacting the EFTA Whistleblower hotline. The purpose of this hotline is to allow EFTA’s customers, employees, suppliers and other stakeholders to share any observations regarding actions that you may feel or inappropriate or illegal, as well as any other actions that do not align with EFTA’s Code of Conduct. The information in the form below will be sent to an independent individual within the organization who will deal with the request swiftly and professionally.

Note that all concerns will be treated in confidence and every effort will be made not to reveal your identity, if that is your wish. If disciplinary or other proceedings follow the investigation, it may not be possible to take action as a result of your disclosure without your help, so you may be asked to come forward as a witness. If you agree to this, you will be offered advice and support.

Whistleblower

MAONI YAKO

Asante kwa kuwasiliana na EFTA. Kusudi la ukurasa huu ni kuruhusu wateja wa EFTA, wafanyakazi, wasambazaji na wadau wengine kushiriki katika kuripoti Kero yoyote kuhusu huduma au matendo yasiyofaa au yaliyo kinyume cha sheria, pamoja na vitendo vinginevyo visivyoendana na Kanuni na Maadili ya EFTA. 

Weka maelezo katika fomu hapa chini ambayo itatumwa kwa mtu binafsi/huru ndani ya shirika ambaye atashughulika na ombi au lalamiko lako.

Kumbuka taarifa zako zitahifadhiwa kwa siri na kila jitihada zitafanywa kutotoa utambulisho wako. Ikiwa msaada wako utahitajika ili kuruhusu uchunguzi wa kisheria, tutaomba ushirikiano wako na utapewa ushauri na usaidizi ili kulinda usalama wako.

Whistleblower Swahili

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