AKIBA COMMERCIAL BENKI YAIPIGA JEKI TAASISIS YA FATA VICOBA ENDELEVU YADHAMINI MKUTANO WA MWAKA

 

Meneja wa Benki ya Akiba Commercial Benki PLC (ACB), Tawi la Kijitonyama Joachim Mowo (kushoto) akizungumza na wanachama wa Taasisi ya fata vicoba endelevu wakati wa halfa ya Mkutano wao wa mwisho wa mwaka wa Taasisi hiyo ambapo mkutano huo uliodhaminiwa na Benki ya ACB kwa lengo la kukuza nakunufaisha wajasiliamali wadogo na wakubwa. Hafla hiyo imefanyika leo katika ukumbi wa 361 uliyopo mwenge jijini Dar es Salaam (wapili lishoto) ni Mwenyekiti wa Taasisi futa vicoba endelevu Hanipha Tarimo, katibu wa Taasisi hiyo Rehema Sombi pamoja na Mtunza fedha Jefferson Makubo. Katika hafla hiyo mgeni rasmi alikuwa Mwanasheria Mkuu kutoka Ofisi ya Mkuu wa Mkoa wa Dar es Salaam Godfrey Songolo

Meneja Masoko wa Benki ya Akiba Commercial Bank PLC (ACB), Innocent Ishengoma akizungumza na wanachama wa Taasisi ya fata vicoba endelevu wakati wa halfa ya Mkutano wao wa mwisho wa mwaka wa Taasisi hiyo ambapo mkutano huo uliodhaminiwa na Benki ya ACB kwa lengo la kukuza nakunufaisha wajasiliamali wadogo na wakubwa ili watimize ndotozao kupitia benki ya ACB. Hafla hiyo imefanyika leo katika ukumbi wa 361 uliyopo mwenge jijini Dar es Salaam. Katika hafla hiyo mgeni rasmi alikuwa Mwanasheria Mkuu kutoka Ofisi ya Mkuu wa Mkoa wa Dar es Salaam Godfrey Songolo

Mwanasheria Mkuu kutoka Ofisi ya Mkuu wa Mkoa wa Dar es Salaam Godfrey Songolo ambae pia alikuwa Mgeni rasmi katika hafla ya Mkutano wao wa mwisho wa mwaka wa Taasisi ya fata vicoba endelevu mkutano uliodhaminiwa na Benki ya ACB kwa lengo la kukuza nakunufaisha wajasiliamali wadogo na wakubwa ili waweze kutimiza ndotozao kupitia Benki hiyo. Hafla hiyo imefanyika leo katika ukumbi wa 361 uliyopo mwenge jijini Dar es Salaam

Mwenyekiti wa Taasisi futa vicoba endelevu Hanipha Tarimo akitoa ufafanuzi kuhusu Taasisi hiyo wakati wa halfa ya Mkutano wao wa mwisho wa mwaka wa Taasisi hiyo ambapo mkutano huo uliodhaminiwa na Benki ya ACB kwa lengo la kukuza nakunufaisha wajasiliamali wadogo na wakubwa ili watimize ndotozao kupitia benki ya ACB. Hafla hiyo imefanyika leo katika ukumbi wa 361 uliyopo mwenge jijini Dar es Salaam. Kutoka kushoto ni Afisa Maendeleo ya Jamii Manispaa ya Kinondoni kaya ya Mwananyamala Mulinga Samangwa, Meneja wa Benki ya Akiba Commercial Benki PLC (ACB),Tawi la Kijitonyama Joachim Mowo, katibu wa Taasisi ya fata vicoba endelevu Rehema Sombi, pamoja na Mtunza fedha wa Taasisi hiyo Jefferson Makubo. Katika hafla hiyo mgeni rasmi alikuwa Mwanasheria Mkuu kutoka Ofisi ya Mkuu wa Mkoa wa Dar es Salaam Godfrey Songolo

Baadhi ya wanachama wa Taasisi ya fata vicoba endelevu na wateja wa Benki ya ACB wakiwa katika hafla ya Mkutano wao wa mwisho wa mwaka Uliodhaminiwa na Benki hiyo.

Picha ya Pamoja

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Absa Tanzania Yashinda Tuzo Ya Benki Bora Ya Kimataifa nchini Tanzania

Naibu Waziri wa Wizara ya Viwanda na Biashara, Mhe Exaud Silaoneka Kigahe (wa pili kulia) akikabidhi cheti cha shukrani kwa kutambua mchango wa Benki ya Absa Tanzania kama mdhamini mkuu wa tuzo za kila mwaka za walaji (Tanzania Consumer Choice Awards), kwa Ofisa Fedha Mkuu wa benki hiyo, Obedi Laiser katika hafla hiyo iliyofanyika jijini Dar es Salaam jana. Kushoto ni Meneja Mwendeshaji wa Kampuni ya Lavine International Agency, Albert Makoye na Mwanzilishi wa tuzo hizo, Diana Laiser.

Mkuu wa Masoko na Mawasiliano wa Benki ya Absa Tanzania, Aron Luhanga (katikati ) akikabidhi tuzo ya kampuni bora ya vinywaji laini nchini kwa Meneja Mkuu wa Kundi la Mampuni ya Vinywaji ya Sayona, Nitin Menon na Meneja Mkuu wa Uzalishaji, Shahid Choudhary wakati wa hafla ya Tuzo bora za mwaka za Walaji (Tanzania Consumer Choice Awards), iliyofanyika jijini Dar es Salaam jana. Absa ilikuwa mdhamini mkuu wa tuzo hizo ikitoa jumla ya shs milioni 20 kuzidhamini.

Mkurugenzi wa Kitengo cha Wateja Binafsi wa Benki ya Absa Tanzania, Oscar Mwamfwagasi (katikati) akikabidhi tuzo ya kampuni bora ya bima nchini kwa Meneja Mkuu Msaidizi wa Kampuni ya Bima ya Jubilee Insurance, Abdul Rauf Suleiman wakati wa hafla ya Tuzo bora za mwaka za Walaji (Tanzania Consumer Choice Awards), iliyofanyika jijini Dar es Salaam jana. Kushoto ni Mkuu wa Masoko wa kampuni hiyo, Marco Yambi. Absa ilikuwa mdhamini mkuu wa tuzo hizo ikitoa jumla ya shs milioni 20 kuzidhamini.

Ofisa Fedha Mkuu wa Benki ya Absa Tanzania, Obedi Laiser (wa pili kulia) akikabidhi tuzo ya kampuni bora ya mafuta na gesi nchini kwa Mkurugenzi wa Kampuni ya Mafuta ya Lake Oil, Frank Nyabundege wakati wa hafla ya utoaji tuzo bora za walaji za kila mwaka (Tanzania Consumer Choice Awards), iliyofanyika jijini Dar es Salaam jana. Wengine ni Maofisa wa kampuni hiyo. Benki ya Absa ni mdhamini mkuu wa tuzo hizo. Absa ilikuwa mdhamini mkuu wa tuzo hizo ikitoa jumla ya shs milioni 20 kuzidhamini.

Naibu Waziri wa Wizara ya Viwanda na Biashara, Exaud Silaoneka Kigahe (wa tatu kulia) akikabidhi tuzo ya Benki Bora ya Kimataifa ya Mwaka nchini kwa Ofisa Fedha Mkuu wa Benki ya Absa Tanzania, Obedi Laiser wakati wa hafla ya utoaji wa tuzo bora za walaji za kila mwaka (Tanzania Consumer Choice Awards) iliyofanyika jijini Dar es Salaam jana. Wengine ni wakuu wa vitengo mbalimbali wa benki hiyo. Absa ilikuwa mdhamini mkuu wa tuzo hizo ikitoa jumla ya shs milioni 20 kuzidhamini.

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Waziri Mkuu Mstaafu Mizengo Pinda Apongeza Uwezeshaji Unaofanywa Na Benki Ya CRDB Kwa Wanawake

Waziri Mkuu Mstaafu Mhe. Mizengo Pinda akipata maelezo kutoka kwa Meneja Mahusiano Tawi la Oysterbay, Witness Kileo kuhusu uwezeshaji unaofanywa na Benki yetu kwa Wanawake kupitia CRDB Malkia wakati wa Mkutano Mkuu wa Pili na Madirisha uliofanyika jumamosi hii katika Kituo cha Mikutano cha Kimataifa cha Julius Nyerere jijini Dar es Salaam. 

Waziri Mkuu Mstaafu Mheshimiwa Mizengo Pinda amepongeza jitihada zinazofanywa na Benki ya CRDB katika kuwawezesha wanawake wajasiriamali nchini kupitia huduma ya CRDB Malkia. Mheshimiwa Pinda ametoa pongezi hizo wakati akifungua Mkutano Mkuu wa Pili wa Jukwaa la Uwezeshaji Wanawake la MADIRISHA uliofanyika katika Kituo cha Kimataifa cha Mikutano cha Julius Nyerere (JNICC) ambapo Benki ya CRDB ilikuwa ni mdhamini mkuu. 

“Nimefurahishwa kusikia hapa tayari mmeshafanya uwezeshaji wa zaidi ya shilingi bilioni 600 kwa wanawake wajasiriamali kupitia CRDB Malkia. Uwezeshaji huu unaleta chachu ya wanawake wengi zaidi kushiriki katika shughuli za Maendeleo katika taifa letu. Hongereni sana,” alitoa pongezi Mheshimiwa Pinda.

Waziri Mkuu Mstaafu Mhe. Mizengo Pinda akizungumza katika Mkutano Mkuu wa Pili na Madirisha uliofanyika jumamosi hii katika Kituo cha Mikutano cha Kimataifa cha Julius Nyerere jijini Dar es Salaam.

Mheshimiwa Pinda aliipongeza Benki hiyo pia kwa ushiriki wake katika makangamano na semina mbalimbali za uwezeshaji akisema kwa kufanya hivyo kunasaidia kufikisha elimu ya ujasirimali na masuala ya fedha kwa wanawake zaidi. Tafiti zinaonyesha ni asilimia 60 tu ya Wanawake ndio waliofikiwa na huduma za kifedha huku wengi wao wakiwa nyuma katika shughuli za ujasiriamali kutokana na kukosa elimu.

“Leo hii mmetoa elimu nzuri sana juu ya fursa za uwezeshaji zinazotolewa na Benki hii. Niwapongeze lakini niwasihi mfikishe elimu hii kwa wanawake wengi zaidi mjini na vijijini,” aliongezea Mheshimiwa Pinda. 

Akizungumzia kuhusiana na huduma za uwezeshaji kwa Wanawake zinazotolewa na Benki ya CRDB, Mheshimiwa Pinda alipongeza hatua ya Benki hiyo kupunguza riba ya mikopo inayotolewa kwa wanawake wajasiriamali kutoka asilimia 24 hadi asilimia 14.

“.. Kupungua huku kwa riba na masharti mengine yaambatanayo kunatoa fursa kwa Wanawake wengi zaidi kunufaika na CRDB Malkia,” alisema Mheshimiwa Pinda huku akiwahamasisha Wanawake wote kujitokeza kwa wingi kuchangamkia fursa hizo zinazotolewa na Benki yao ya CRDB.

Akiwasilisha mada katika mkutano huo, Meneja Uwezeshaji Wanawake Benki ya CRDB, Rehema Shambwe alisema huduma ya CRDB Malkia imelenga katika kumtambua, kumpa nafasi na kumuwezesha mwanamke wa Kitanzania kufikia malengo yake kupitia mikopo ya biashara na ujasiriamali, kujiwekea akiba kwa akaunti ya Malkia na mafunzo ya uendeshaji biashara. 

“Mpaka kufikia mwishoni mwa mwezi June mwaka huu, Benki yetu tayari ilikuwa imekwisha toa mikopo yenye thamani ya shilingi bilioni 600 kwa wanawake zaidi ya elfu 55,” alisema Rehema huku akibainisha kuwa zaidi ya wanawake 30,000 tayari wameshajiunga na akaunti ya Malkia. 

Rehema alisema pamoja na mafanikio ambayo Benki ya CRDB imeyapata katika kumuwezesha mwanamke, bado idadi ndogo ya wanawake wamekuwa wakijitokeza kupata huduma kutokana na changamoto ya riba, masharti magumu ya dhamana na kukosa uelewa wa huduma za kifedha.

“Tukiwa Benki ya kizalendo inayothamini mchango wa wanawake katika maendeleo ya taifa letu, tukasema ni vyema tukatafuta suluhisho la changamoto hizi ili kuweza kumsaidia mwanamke kufankisha malengo yake zaidi,” alisisitiza Rehema. 

CRDB Malkia sasa hivi inawawezesha wanawake kupata mikopo kwa riba ndogo ya asilimia 14 kulinganisha na asilimia 24 iliyokuwa ikitozwa mwanzo huku masharti ya upatikanaji wa mikopo yakirahisishwa kwa kiasi kikubwa. 

“Kupungua kwa riba kuna maana wanawake sasa wanaweza kukopa zaidi na kwa gharama nafuu kulinganisha na mwanzo hivyo kusaidia kufanikisha malengo yao kwa uharaka zaidi,” alisema Rehema.  

Rehema alibainisha kuwa kupitia CRDB Malkia, Benki ya CRDB pia imeanzisha huduma ya Malkia Rafiki katika mitandao wake wa matawi ambao watakuwa wanawasidia wanawake kupata huduma stahili kwa uharaka na elimu juu ya huduma hizo ili kuwawezesha kufikia lengo.

Naye Muanzilishi na Mwenyekiti wa Jukwaa la MADIRISHA, Fatma Kange aliishukuru Benki ya CRDB kwa udhamini iliyoutoa kufanikisha Mkutano Mkuu huo ambao kwa mara ya kwanza umeweza kuhudhuriwa na wanawake zaidi 1,000.

“.. Wanawake sasa tumepata Benki kimbilio na sehemu ya kuelezea mahitaji yetu. Tuishukuru Benki ya CRDB kwa kutushika mkono na kwa kutuheshimisha Wanawake kupitia CRDB Malkia,” alisema Fatma Kange huku Akitoa rai kwa Wanawake wote kuchangamkia fursa zinazotolewa na Benki hiyo.

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Wafanyakazi wa Benki ya Absa wajitolea kusaidia watoto

Mkuu wa Huduma za Kibiashara wa Benki ya Absa Tanzania, Pius Makalle akikabidhi baadhi ya vitu walivyotoa msaada kwa Meneja wa Mahabusu ya Watoto Upanga, Darius Damas (wa tano kushoto), kituoni hapo, Upanga, Dar es Salaam Jana. Katika hafla hiyo wafanyakazi hao walikabidhi vifaa vya umeme wa sola, jokofu, vyakula na misaada mingine ya kibinadamu vyenye thamani ya zaidi ya shs milioni 6.7.

Meneja Rasilimali watu wa Benki ya Absa Tanzania, Anna Chacha, akikabidhi baadhi ya vitu walivyotoa msaada kwa Meneja wa Mahabusu ya Watoto Upanga, Darius Damas (wa tano kushoto), kituoni hapo jijini Dar es Salaam jana. Katika hafla hiyo wafanyakazi hao walikabidhi vifaa vya umeme wa sola, jokofu, vyakula, na misaada mingine ya kibinadamu vyenye thamani ya shs milioni 6.7.

Baadhi ya wafanyakazi wa Benki ya Absa Tanzania wakibeba misaada mbalimbali wakati wakiwasili katika mahabusu ya watoto Upanga jijini Dar es Salaam jana. Katika hafla hiyo wafanyakazi hao walikabidhi vifaa vya umeme wa sola, jokofu, vyakula, na misaada mingine ya kibinadamu vyenye thamani ya shs milioni 6.7.

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Tanga Cement yashinda ushindi wa jumla tuzo za NBAA kwa Mwaka 2019

Kamishna wa Fedha anaesimamia sekta za maendeleo kutoka Wizara ya Fedha Dk. Charles Mwamaja (wa pili kushoto), akikabidhi tuzo ya ushindi wa kwanza wa kipengele cha Wazalishaji Bora katika tuzo za Uwasilishaji Bora wa Taarifa za Mahesabu za Bodi ya Taifa ya Wahasibu na Wakaguzi wa Hesabu (NBAA) ya mwaka 2019 kwa Mkuu wa divisheni ya Fedha wa Kampuni ya Tanga Cement PLC, Isaac Lupokela, katika hafla iliyofanyika jijini Dar es Salaam. Kulia ni Mthibiti Fedha wa kampuni ya Tanga Cement Emmanuel Nkonyoka.

Mkuu wa divisheni ya Fedha wa Kampuni ya Tanga Cement PLC, Isaac Lupokela (kulia) pamoja na timy ya wahasibu kutoka kampuni ya Tanga Cement PLC wakifurahia tuzo ya ushindi wa Jumla ya uwasilishaji Bora wa Taarifa ya Mahesabu za Bodi ya Taifa ya Wahasibu na Wakaguzi wa Hesabu (NBAA) baada ya kuibuka mshindi wa jumla katika tuzo hizo.

Kamishna wa Fedha anaesimamia sekta za maendeleo katoka Wizara ya Fedha Dk. Charles Mwamaja (wa pili kushoto), akikabidhi tuzo ya ushindi wa kwanza wa kipengele cha Wazalishaji Bora katika tuzo za Uwasilishaji Bora wa Taarifa za Mahesabu za Bodi ya Taifa ya Wahasibu na Wakaguzi wa Hesabu (NBAA) ya mwaka 2019 kwa Mkuu wa divisheni ya Fedha wa Kampuni ya Tanga Cement PLC, Isaac Lupokela, katika hafla iliyofanyika jijini Dar es Salaam. Wengine pichani ni Wahasibu kutoka kampuni ya Tanga Cement.

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Absa Tanzania scoop NBAA award

The National Board of Accountants and Auditors Board (NBAA), Vice Chairperson, Dr. Neema Kiure presents the Best Presented Financial Statements third winner award in banking category to Absa Bank Tanzania Financial Controller, Bernard Tesha, during the NBAA annual gala dinner in Dar es Salaam yesterday.

Jubilant Absa Bank Tanzania Board Chairman, Simon Mponji (centre), Absa Tanzania Financial Controller, Bernard Tesha (right) and the bank’s official, Muhsin Kaye hold the National Board of Accountants and Auditors Board (NBAA), Best Presented Financial Statements award in banking category for the year 2019 soon after it was presented to them during the NBAA annual gala dinner in Dar es Salaam yesterday.

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Managing your investments during a period of turmoil

  

By Vimal Kumar, Chief Executive: Retail and Business Banking, Digital and Customer Experience, Absa Regional Operations.

The COVID-19 pandemic has affected every sector of society across the globe, with everyone impacted from an economic, health and social perspective. While the majority of people have focused on stability and job security during this period, affluent and high-net-worth individuals (HNWI) saw an erosion to their personal net worth as economic activity and investments deteriorated during the pandemic. 

As individuals tried to remain as liquid as possible during this period, some of the key trends reflected were the shifting of deposits to secure banks, while automation and digitalisation were further embraced to offer customers the convenience and flexibility to manage their investments at their convenience. 

How has COVID-19 affected investors? 

The tremendous uncertainty has caused cascading waves of destruction across global economies, and impacted many in the high-net-worth individual (HNWI) and affluent brackets. 

COVID-19 has affected all parts of society. In comparison to the working class, where the focus is holding onto jobs, high net worth individuals have been heavily impacted due to the wealth destruction that is occurring. Investors are seeing erosion in personal net worth and a good percentage are worried about consumer confidence due to the global recession, job losses and reduction of investments into economies. 

Industries such as real estate, stock markets and mutual funds have suffered significant depreciation. Individuals who leveraged off investments during periods where the economy was stronger are feeling the pinch in many ways trying to keep themselves as liquid as possible. A few of the ways we are seeing this happen is through delaying investments and shifting cash holdings from local to foreign currency. 

One of the key trends we are seeing is the significant movement in balances and deposits to secure banks such as Absa demonstrating confidence in the financial sector. Unlike the global financial crisis of 2008 where financial institutions were part of the problem, during COVID-19 banks were part of the solution. 

Absa was one of the first banks to respond in the way of relief and payment solutions for all customer segments including suppliers, vendors, SMEs and our high net worth individuals. Through collaborating with stakeholders to build and grow economies, we are ensuring sustainable recovery of this economic downturn. Along with other banks, we have been playing a crucial role in facilitating the movement of funds and ensuring government programmes are utilised effectively, as well as passing on regulatory changes such as lower lending rates very quickly. 

Where to from here? 

There is a great opportunity for Africa to create an intercontinental supply chain framework. The over dependence on single commodity exports and raw material into the rest of the world is what exacerbates an economic crisis in a continent like Africa. 

The free trade agreement is coming at the right time and should spur the movement of commodities on the continent. However, there is a need for governments to come together to shift the conversation to one where the African continent also starts to become a manufacturing hub creating growth and wealth. 

Creating the regional trade networks gives Africa the right opportunity to step into becoming more self-reliant because the upcoming trends will see regional trade routes and continental trade routes strengthening while global supply chains begin to weaken. 

The macro-economic picture – the bad and the good 

Economic forecasting is difficult in an environment that is so fluid, as proven by the second wave of COVID-19 infections which is now sweeping across large parts of Europe. Questions arise as to whether countries or areas should go under lockdown again and what the economic impact of such decisions would be. 

How a country will come out of the pandemic will depend on the economic conditions of that country going into the pandemic. Those that were in a deteriorated condition, will likely to be in a devastated state by the end of the cycle. 

Such countries may look to debt waivers as a short-term relief option. Whatever the benefits, the long term affects for these fragile economies far outweigh the positive. When countries seek debt waivers, their external ratings drastically drop in the eyes of investors and trading agencies causing them to become less attractive and lead to more expensive investments in the future. 

There have been recommendations made to see the G20 consider converting debt into equity in projects instead of a blanket waiver of liabilities. It then allows more buy in from investors and the countries benefiting from the programmes are not required to service the debt but rather build equity. 

The second easy go-to option for countries, but which is equally as damaging, is to print money in a bid to stimulate the economy. Printing money can work in certain instances where a country and its economy is strong enough to support such a measure, but in many cases – particularly for fragile economies – this can spell doom as hyperinflation takes root. 

The new normal 

We still have a long way to go as we adjust to navigating the complexity of the COVID-19 pandemic. However what is clear and evident is that the pandemic has resulted in the banking and financial services sector shifting to a much leaner and optimised way of engaging and managing customers’ needs and expectations. We have further embraced automation and digitalisation in our efforts to offer our customers the flexibility and instruments to manage their investments at their convenience. 

The COVID-19 pandemic has impacted everyone on the continent, but it has also presented windows of opportunities for exploring new growth avenues and the potential to rebuild even stronger. 

There are no easy paths or get-rich-quick schemes on the right path to managing wealth. Be clear of your risk appetite, seek advice of experts and taking a long term view often looks past short term market highs and lows. 

For more information, please contact: 

Aron Luhanga 

Head, Marketing & Corporate Relations 

Absa Bank Tanzania Limited 

+255 768 221 717 

aron.luhanga@absa.africa

About Absa Bank Tanzania 

Absa Bank Tanzania Limited is a leading commercial bank in Tanzania that currently boasts a network of 15 branches and 62 ATMs strategically located countrywide – 21 at all our branches and 49 offsite. 

The Bank is a wholly owned subsidiary of Absa Group Limited. 

Absa Bank Tanzania Limited, (registered number 38557), is regulated by the Bank of Tanzania. 

About Absa Group Limited 

Absa Group Limited (‘Absa Group’) is listed on the Johannesburg Stock Exchange and is one of Africa’s largest diversified financial services groups. 

Absa Group offers an integrated set of products and services across personal and business banking, corporate and investment banking, wealth and investment management and insurance. 

Absa Group has a presence in 12 countries in Africa, with approximately 40,000 employees. 

The Group’s registered head office is in Johannesburg, South Africa, and it owns majority stakes in banks in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania (Absa Bank Tanzania and National Bank of Commerce), Uganda and Zambia. The Group also has representative offices in Namibia and Nigeria, as well as insurance operations in Botswana, Kenya, Mozambique, South Africa, Tanzania and Zambia, and an international representative office in London and soon in New York. 

For further information about Absa Group Limited, please visit www.absa.africa

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