• TAMPRO Headquarter, Magomeni, Kinondoni District, Dar es Salaam

TAARIFA NJEMA KWA WAJASIRIAMALI

BISMILLAHIR RAHMANIR RAHIYM

TAMPRO SACCOS LTD

KWA MIKOPO HALALI, MASHARTI NAFUU!

CHIMBUKO:

Neno TAMPRO ni ufupisho wa maneno “Tanzania Muslim Professionals Association” yakimaanisha Taasisi/Jumuiya ya wanataalama wa kiislam Tanzania iliyosajiliwa mwaka 1997 ikiwa na lengo la kuwaunganisha waislam wote wenye fani au taaluma mbalimbali ili kwa pamoja waweze kutumia taaluma zao kwa maslahi ya Ummah/Jamii hasa ya kiislam.

Katika harakati za kuikomboa jamii ya waislam kiuchumi, TAMPRO ilifanya utafiti wa kina juu ya sababu na athari za hali hii mbaya ya kiuchumi, na kugundua kuwa moja ya mambo yanayoiathiri jamii yetu kiuchumi na kiimani ni suala zima la mfumo wa Fedha unaoendeshwa kwa misingi ya RIBA. Ndipo TAMPRO ikaanzisha TAMPRO SACCOS LTD ikiwa ni Saccos ya kwanza ya kiislam kusajiliwa Tanzania.

Tampro Saccos Ltd ilisajiliwa tarehe 23/04/2010 na kupewa namba ya usajili DSR 1257, na kuzinduliwa rasmi tarehe 09/05/2010. Baadhi ya faida za kuwa mwanachama wa Tampro Saccos Ltd ni pamoja na;

Ø  Kujengewa tabia ya kujiwekea akiba zako mara kwa mara kwa ajili ya maendeleo yako na jamii kwa ujumla.

Ø  Kupata mikopo isiyokuwa na Riba na kwa masharti nafuu.

Ø  Kupata mafunzo ya ujasiriamali, ujasiri binafsi na mfumo wa Fedha wa kiislam.

Ø  Kuunganishwa na benki za kiislam nchini kwa ajili ya huduma mbalimbali za kibenki.

Ø  Kupata nafasi ya kukutana na waislam wengine kutoka sehemu mbalimbali kwa lengo la kufahamiana, kusaidiana pamoja na kunasihiana kuhusu misingi ya uislam.

MASHARTI YA KUWA MWANACHAMA:

Ili uweze kuwa mwanachama unatakiwa kutimiza masharti yafuatayo;

v  Uwe ni muislam unayejitambua kwa kuzingatia na kutekeleza haki na wajibu wako kwa Mwenyezi Mungu.

v  Kulipia malipo yafuatayo;

ü  Kiingilio cha uanachama ambacho kinalipwa mara moja tu ni TZS.20,000/=

ü  Gharama za uendeshaji angalau za miezi 5 ambapo kila mwezi ni TZS.2,000/=

ü  Kununua angalau Hisa 2 ambapo kila hisa ni TZS.5,000/=

ü  Kujiwekea Akiba yako angalau TZS.10,000/=

ü  Gharama ya fomu ya kujiunga TZS.7,000/=

ü  Uwe na picha mbili za paspoti saizi za rangi.

v  Kutafuta wadhamini wawili wenye sifa moja kati ya zifuatazo;

ü  Wanachama wa Tampro au Tampro Saccos.

ü  Maimamu(viongozi wa misikiti) karibu na unapoishi.

ü  Mwenyekiti wa Serikali za Mtaa unapoishi.

ü  Mwajiri hasa akiwa Muislam

ü  Muislam ambaye unaweza kujiunga nae kwa wakati mmoja.

v  MUHIMU: Kwa muislam mwenye nia ya kujiunga ila ana uwezo mdogo anaweza akaanza kulipia TZS.30,000/= ambayo inajumuisha kiingilio cha uanachama pamoja na Gharama za fomu ya kujiunga. Halafu baadae akawa analipia kidogo kidogo Gharama za uendeshaji, Hisa pamoja na kujiwekea Akiba zake.

MASHARTI NA UTARATIBU WA MIKOPO.

  1. A)

Ili mwanachama aweze kukopeshwa ni lazima atimize masharti yafuatayo;

v  Awe mwanachama  kwa kipindi kisichopungua miezi mitatu.

v  Awe na akiba zitakazo muwezesha kupata kiasi cha mkopo anachohitaji.

v  Awe anamiliki hisa zisizopungua 24 ambapo kila Hisa ni TZS.5000/=

v  Awe ameshalipia gharama za uendeshaji za mwaka mzima. (TZS.24,000/=)

v  Awe amelipia gharama ya fomu ya mkopo ambayo ni  TZS.5000/=

v  Akiba yake ya mwisho kuiweka iwe imekaa kwenye saccos kwa muda usiopungua mwezi mmoja. (huwezi kuweka akiba leo ukakopa kesho.)

v  Awe amejaza fomu ya maombi ya mkopo kwa ukamilifu.

v  Awe hana mkopo mwingine kwani mkopo juu ya mkopo hairuhusiwi.

  1. B)

Ø  Dhamana ya kwanza kabisa ambayo inazingatiwa na Tampro Saccos ni Imani{TAWHEED} ya mkopaji. Tunaamini kuwa kila mkopaji anafahamu sheria ya uislam kuhusu mikopo na wajibu wake.

Ø  Akiba na hisa zake katika Saccos.

Ø  Mtu binafsi ambaye ni Mwanachama hai wa Tampro au Tampro Saccos asiye na mkopo, Mwajiri wa mkopaji au Muislam yeyote atakaye kubalika na kamati ya mikopo.

Ø  Kwa upande wa wanawake walioolewa, Mume wake ni lazima awe miongoni mwa wadhamini wake.

Ø  Kwa kujiridhisha zaidi kamati ya mikopo inaweza ikahitaji vielelezo vingine kama vile leseni za biashara na/au hati za nyumba au viwanja au vitu vingine vyenye thamani sawa au zaidi ya mkopo unaoombwa.

  1. C) KIASI NA MAREJESHO.
  • Kwa sasa kiasi cha mkopo kinachotolewa kwa wanachama waliotimiza vigezo na masharti ni mara mbili tu ya Akiba ya Mwanachama.
  • Na pia mkopo wa kwanza hauwezi kuzidi TZS.3,000,000/= na ukimaliza kurejesha mkopo wako, baada ya mwezi mmoja unaweza kuomba tena.
  • Mkopo wa juu kabisa wa Fedha Taslimu ni TZS.5,000,000/= ambapo utakopeshwa kiasi hiki baada ya kufanikiwa kukopa si chini ya TZS.3,000,000 na kufanikiwa kuirudisha vizuri.
  • Marejesho ya mkopo yanatakiwa yafanyike kila mwezi kwa muda usiozidi miezi 12(mwaka mmoja) tu. Hivyo utachukua kiasi cha mkopo wako na kugawanya kwa 12 ili kupata kiasi cha chini cha marejesho ya kila mwezi.
  1. D) UTARATIBU WA MIKOPO:

v  Kwa sasa Tampro Saccos inatoa Mikopo (Cheki kwa waombaji waliokubaliwa) mara moja kwa kila mwezi na hasa Jumapili ya kwanza ya kila  mwezi.

v  Wiki ya kwanza ya kila mwezi yaani  tarehe 1 mpaka 7 ni wiki ya kuchukua, kujaza kwa ukamilifu na kurudisha fomu za Mikopo. Baada ya hapo wiki tatu zinazofuata ni kwa ajili ya kuwafuatilia/kuwachunguza waombaji.

MASWALI YANAYOULIZWA MARAKWAMARA KUHUSU SACCOS!

1) SACCOS ni nini?

Saccos ni kifupi  cha  maneno ya kiingereza  Saving &Credit Cooperative Society,  yakimaanisha  chama cha ushirika cha kuweka akiba na kukopa.

2) Tampro Saccos  Ltd  ni nini?

Ni  chama cha ushirika cha akiba na mikopo kanachojiendesha kwa kufuata misingi na sheria za dini ya kiislam, kilichoanzishwa na Jumuiya ya Wataalamu wa Kiislam wa Tanzania.

3) Saccos inawezaje kujiendesha bila riba?

Allah  (s.w) alipoharamisha riba, alihalalisha biashara. Hii ina maana kwamba Allah (s.w) anataka watu wajiendeshe au kujiendeleza kupitia biashara (faida) na sio riba.  Kwahiyo  Tampro  Saccos Ltd ina malengo ya kukua na kujiendesha kupitia biashara (miradi) au faida.

Ila katika kipindi hiki cha awali ambapo hakuna miradi, Tampro Saccos Ltd inajiendendesha kupitia michango ya wanachama wake ya kila mwezi (gharama za uendeshaji), viingilio vya wanachama wapya na misaada mbalimbali.

4) Akiba ni nini?

Akiba ni fedha anazoziweka mwanachama kwenye Saccos (angalau tsh.10,000/= kwa mwezi). Lengo kuu la akiba za mwanachama ni kumwezesha kuomba mkopo hapo baadae atakapohitaji.

  1. Hisa ni nini? 

Ni fedha anazoziweka mwanachama kwenye Saccos (angalau Tsh10,000/= kwa mwezi) kwa malengo  makuu mawili:

Kupata umiliki kwa maana ya kuwa na haki na wajibu kama mwana chama halali na hai wa Tampro Saccos Ltd.

Kwa ajili ya uwekezaji kwa maana ya kuanzisha biashara  au miradi mbalimbali itakayo leta faida katika chama ambapo mwisho wa mwaka faida hiyo itagawanywa baina ya Saccos na wanachama wake.

  1. Je mwanachama anaweza kuchukua sehemu ya akiba yake akiwa na dharura?

HAPANA; kama tulivyosema awali kuwa Saccos ni vyama vya kuweka na kukopa, siyo kuweka na kuchukua. Hivyo akiba itatumika kwa ajili ya kukopa tu. Mwanachama anaruhusiwa kukopa ndani ya Akiba yake.

Mwanachama atakayehitaji kuchukua sehemu ya Akiba yake, anatakiwa atoe taarifa ya maandishi kwa muda usiopungua miezi mitatu kabla. Hii ni kwa sababu Akiba za wanachama ndio nguzo kuu ya Saccos yoyote katika kutimiza lengo kuu la kutoa Mikopo kwa wanachama wake.

  1. Je mwanachama anaweza kukopa kutokana na hisa zake?

HAPANA; Mkopo hutokana na akiba ya mwanachama tu. Mwanachama hawezi kukopa wala kuchukua Hisa au hata sehemu ya Hisa zake. Kwani kufanya hivyo ni kujifuta katika chama. Kwahiyo Hisa zitarudishwa pale  mwanachama atakapo hitaji kujifuta/kujiondoa katika chama.

  1. 8. Amana ni nni?

Huu ni mfuko au huduma au fedha anazozihifadhi  mwanachama kwa malengo ya kuzichukua wakati wowote pindi atakapohitaji kutokana na dharura mbalimbali. Maranyingi mfuko huu huwa na Gharama au makato yake yanayojitegemea. Kwa sasa Tampro Saccos Ltd bado haijaanzisha mfuko au huduma hii.

  1. Mwanachama akitaka kujifuta katika chama anafanyaje?

Anaandika barua ya maombi ya kujifuta katika chama  kwa mwenyekiti wa bodi, halafu anasuburi kwa kipindi kisichopungua miezi 3 ili aweze kurudishiwa akiba na Hisa zake.

  1. Kuna  tofauti gani kati ya faida na riba?

Baadhi ya tofauti  kati ya faida na riba kwa mujibu wa sheria za kiislam ni:-

  1. a) Faida inatokana na biashara ambayo inahusisha  bidhaa, Riba hutokana na mkopo au biashara inayohusisha fedha taslimu za sarafu/taifa moja.
  2. b) Faida haiwezi kubadilika kulingana na wakati, Riba inabadilika/ inaongezeka kadri ya muda unavyoongezeka.
  3. c) Uislam unatambua kuwa kuna faida na hasara, lakini Riba haina kinyume chake.(yaani ikipatikana faida utatozwa riba na hasra pia inatozwa riba.)

Kwa maelezo zaidi unaweza kufika katika ofisi yetu iliyopo Magomeni Usalama karibu kabisa na ofisi za manispaa ya Kinondoni. Au piga simu 0787268745, 0715268745 AU 0767268745. Au tumia Email tamprosaccos@gmail.com

TAMPRO SACCOS LTD,

KWA MIKOPO HALALI, MASHARTI NAFUU.

 

KARIBU SANA!

Read More

TAMPRO NA HELPING HAND ZAENDELEA KUCHANGIA SEKTA YA AFYA TANZANIA

Wawakilishi wa Taasisi ya Ahlaqul -Islam wakiwa pamoja na Mwakilishi wa Helping Hand na Wanyeji wao wa Taasisi ya Wanajumuia ya Wanataaluma wa Kiislam Tanzania Wakati wa Makabidhiano ya vifaa tiba mbali mbali.

 

Mwenyekiti wa Halmashauli ya Nzega Mh. Patrick Mbozu pamoja na Mbuge wa Jimbo la Bukene Mh.
Selemani Zedi wakisaini Makubaliano ya Ushirikiano na Taasisi ya Helping Hand for Relief and Development pamoja na TAMPRO Kuboresha huduma za Afya katika Halmashauri ya Nzega hususani Jimbo la Bukene.

 

Mbunge wa Jimbo la Bukene Mh. Selemani Zedi akifafanua Changamoto na Mafanikio ya Huduma ya Afya katika Halmashauli ya Nzega pamoja na Jimbo la Bukene kwa ofisa mtendaji wa Helping Hand for Relief and Development Africa mbele ya Madiwani wa Halmashauri ya Nzega. Pembeni kulia ni Ndg. Mohamed Kamilagwa, Mkuu wa Idara ya Biashara na Maendeleo ya Jamii ya Jumuia ya wanataaluma wa Kiislam Tanzania (TAMPRO) Makao Makuu.

 

Mbunge wa Bukene Mh. Zedi Selemani akipokea baadhi ya vifaa tiba vya awali vyenye thamani ya Zaidi TZS 30 Milioni kutoka kwa Muwakilishi wa Africa wa taasisi rafiki ya Jumuia ya wanataaluma wa Kiislam (TAMPRO), Helping Hand for Relief and Development ya Marekani Ndg Sajid Iqbar.

Read More

THE CHALLENGE OF MANAGING LIQUIDITY RISK IN TANZANIA-A CALL FOR ACTION!

INTRODUCTION.

Currently there are five banks and several Islamic Saving and Credit Cooperative Societies offering islamic financial services (SACCOs). On the banking side, only Amana Bank, is a fully fledged bank established in 2011 the rest operate as Islamic Window, namely PBZ, NBC, KCB and Stanbic. On Saccos side, there is KUTAYBA SACCOS, TAMPRO SACCOS, HAJJ TRUST SACCOS and many other institutional based SACCOS. Among the banks, only three accepts deposits and provide financing namely, Amana Bank, KCB and PBZ whereas all SACCOs accept deposit and provide credit to their members.

A distinctive feature of Islamic banks and SACCOs is the obligation to conduct operations in accordance with principles of sharia, which is the religious law of Islam/Muslims. The basic sharia principle applied by Islamic financial institutions is the prohibition of usury/interest (arabic. riba). This principle has its origins in the holy book of Muslims – Koran. The hadiths, which describe the life and actions of Muhammad, the Messenger of Allah, also state that riba is condemned. According to most Islamic scholars one definition of riba is any sort of increase over the principal amount in the contract of loan. The prohibition of riba has huge implications on operations conducted by Islamic banks and Islamic SACCOs since none of them can be based on interest.

Hence one of many challenges Islamic banking industry has been facing since its inception is the creation of instruments which have to serve the same needs as conventional products but have to be constructed in a different way to comply with principles and rules of Sharia. Those instruments include money market operations, which are essential for managing the bank’s liquidity.

The purpose of this article is the investigation of the problems facing Islamic banks/window/SACCOs with regard to managing liquidity risk in Tanzania and analysis of what needs to be done by individual banks, and their regulators.

THE PROBLEM OF MANAGING LIQUIDITY.

Liquidity is the ease by which an asset can be exchanged for another with little or no loss of value; usually cash. Liquid assets are those held in cash or are invested in instruments which can be converted rapidly into cash like deposits in cash with a bank as a current demand deposit, deposits in other banks and investments in short term liquid government securities. The bank tries to maximize bank’s return on total assets by investing as much of the cash available. However, the management is also challenged by the need to have enough liquidity to meet any mismatch of the term structure (maturity dates) of assets and liabilities. Liquidity risk results from the mismatch between maturities of assets and liabilities. The different maturity structure of assets (mainly medium and long-term) and liabilities (mostly short-term) generates the risk that the bank is unable to respond immediately to requests for payment or forces the bank to quickly sell a high volume of financial assets in its portfolio accepting the price much lower than the market value.

While liquidity surplus is considered a drag on competitivenes, shortage of liquidity is said to be assasin of banks. Liquidity stress is not unknown to fully fledged Islamic banks as well as Islamic banking divisions of conventional banks some forced to close e.g. Ihlas Finance in Turkey in 2001. During the recent crisis all these types have faced liquidity shortages of varying degrees and varying durations.

Due to lack of Islamic instruments for liquidity management and less developed infrastructure, fully fledged Islamic banks face more difficulties compared to conventional banks and the Islamic windows of conventional banks. Since the liquidity risk management is carried out at the bank level rather than divisional level, the risks of the division can be absorbed using conventional hedging tools without facing operation and reputation risks.Those tools include interbank deposits, foreign exchange swaps, repo operations, treasury bills and commercial papers. Interbank market where banks lend each other their liquid reserves has the most significant meaning for banks in managing their liquidity. It should also be noted that in critical situations, when because of lack of trust banks do not want to lend money to each other, they have possibility to approach a central bank for help. In this case a central bank plays a role of a lender of last resort (Iwona Sabol). This creates negative externalities for Islamic banks and for the Islamic financial system (Salman Syed Ali, 2012).

.
LIQUIDITY RISK IN ISLAMIC BANK.

All the above-mentioned instruments are based on interest rate and that is why they are not accessible to Islamic banks. Thus the problem with the access to liquidity management instruments constitutes one of the most serious problems and largest challenges for Islamic financial institutions in Tanzania and elsewhere. Theoretically, islamic institutions should not suffer from shortage of liquidity but their problem is excessive liquidity. This is not always true because the practice much differs from the theory.In practice the nature of balance sheet of the Islamic bank is quite similar to the balance sheet of the conventional bank. Both institutions are characterised by illiquid assets and relatively liquid liabilities. Judging from the above it is not surprising that a lot of Islamic banks just like their conventional counterparts must be very careful about maintaining the proper level of liquidity. Otherwise, they risk insolvency.

COMMON INSTRUMENTS AND INTERNATIONAL BODIES.

In countries such as Malaysia, Sudan, Bahrain among others where Islamic financial services are taken seriously, we observe a number of common tools used for liquidity management such as:

1.Interbank money market placements through the contract of Mudharaba, Wakala and Commodity Murabaha.
2.Corporate Sukuk under different structures such Sukuk Ijarah, Sukuk Murabaha etc.
3.Government issued Sukuk through the central bank as well as commodity murabaha with the central bank.
4.Islamic Leasing Investment Fund.
5.Islamic Mutual Fund.

Furthermore, international efforts to manage liquidity risk led to the establishment of Liquidity Management Centre in Bahrain, International Islamic Liquidity Management Corporation in Malaysia,Islamic Interbank Money Market and International Islamic Financial Market in Malaysia. This international efforts should send clear signal to the regulator on the need to have proper policy and tools to enable Islamic Banks manage liquidity efficiently. Once Islamic banks have tools to manage liquidity, Islamic SACCOs who are clients of these banks shall have robust partner to manage theirs.

ACTION REQUIRED.

Before we start to witness liquidity stress from Amana Bank or else it is paramount for Islamic banks/Windows and the regulator to review their liquidity management practices and policies. Amana Bank and windows of conventional banks must find a way to engage themselves even if on non-commercial terms to assist each other but also to embark on joint financing. Externally, the central bank should examine and structure any of the above mentioned tools to cater for the liquidity management as well as to relax restriction on cross border movement of capital for the liquidity management purpose under well known internationa bodies. Failure to take action now, is like putting a head on crocodile mouth and expect smooth exit.

Read More

TAMPRO ANNUAL GENERAL MEETING 2010

Section of TAMPRO leaders and guest of honour (Prof. Njozi) on high table during 11 annual general TAMPRO meeting held in Lamada Hotel, Dar es Salaam. 25 April, 2010.

Prof. Hamza Njozi, Vice Chancellor, Muslim University of Morogoro (MUM), giving a key note address in the TAMPRO annual meeting held in Lamada Hotel, 25 April, 2010.

Sheikh Suleiman Amran Kilemile, Chairman of Muslimina Hayatul Ulamaa Fii Tanzania, speaking in the TAMPRO annual meeting held in Lamada Hotel, 25 April, 2010.

Read More