mangi

we rise by uplifting each other. Brother |Husband |Entrepreneur |Mayaipoa

[mangi @desilayo1]

How it started How its going @mayaipoa

[mangi @desilayo1]

@faraja_zungu @bonifacejoseph_ Naomba location ya kupata extender tayari nko na mtambo wa ttcl

[mangi @desilayo1]

@ayo_shangwe Happy birthday Mwenezi

[mangi @desilayo1]

@CarolNdosi Amen

[Anna Tibaijuka @AnnaTibaijuka]

POLENI WAHANGA WA GHOROFA lililoanguka ila Ujenzi wa maorofa Kariakoo. NI JANGA KAMA LA JANGWANI.
Kwa sheria za mipango miji ilitakiwa viwanja 4 vya high density viunganishwe mbele na nyuma kipatikane kiwanja kimoja kikubwa cha kujenga orofa imara yenye basement kubwa kupaki magari. Orofa inayofunguka kwenye mtaa wa mbele na nyuma. Awali katika awamu ya Tatu Ushauri huo wa watalaamu wa mipango miji ulishapuuzwa na viongozi kwa presha ya wawekezaji kwa hiyo maorofa Kariakoo na kwingineko yanajengwa kiholela kwenye viwanja visivyokidhi vigezo. Pamoja na madhaifu ya usimamizi wa UJENZI KIUHANDISI Ni vigumu majengo kuwa imara bila kuwa na eneo la kutosha kujenga kitako yaani base foundation stahiki. Naendelea kuhimiza kurekebisha kosa hilo.
Sasa tunavuna hasara kubwa ya upotevu wa mali.. na maisha na fursa za ajira na aibu ya kushindwa kusimamia viwango vya ujenzi Miaka 63 baada ya uhuru.. Tuwaombee wahanga auheni na waliopoteza maisha pumziko la milele.

Naendelea kushauri viwango vya vertical development vizingatiwe kuanzia sasa. Tujisahihishe.

[mangi @desilayo1]

@AnnaTibaijuka Mama T.umenena vema Sana ,hizi mamlaka husika ipo haja ya kuchukua hatua haraka

[mangi @desilayo1]

Aliyesema banks ziwe Na dirisha 6 open halafu only two cashier's are working,Na wengine wanaingia Na kutoka kama mzinga ya nyuki.Saaa hii tuko bank ya crdb Dodoma wako cashier 2 ,tuu wako slow as ......@TzEquityBank @CRDBBankPlc

[mangi @desilayo1]

Simba wamekula pesa ya maandamano

[mangi @desilayo1]

@MvuviMovies Prison break

[SA @SalumAwadh]

Zaidi ya 90% ya NGOs Tanzania sio “sustainable”

Jana nilipata fursa kushiriki mjadala wa namna ya kuzifanya NGOs kuwa stahimilivu na kuwa na uwezo wa kujitegemea kama msaada wa “donors” ukiondoka, katika CSO week iliyofanyika Arusha.

Hali ya sasa ya NGOs Tanzania

1. Mwaka 2023, takribani NGOs 1,368 zilipata fedha kiasi cha TZS 2.6 trillion
2. Kati ya hizo, 96% ilitokana na wahisani (donors), 0.32% kutoka kwenye uwekezaji, 0.27% ada ya wanachama, n.k
3. Hii maana yake, ukikata fedha za msaada, zaidi ya 90% ya NGOs zinafunga ofisi, kama hazitapa fedha kutoka sehemu nyingine

Tufanye nini kama nchi?

1. Kufanya utekelezaji kikamilifu wa mkakati wa kuzifanya NGOs kuwa “sustainable”. Upo lkn nahisi utekelezaji wake unahitaji kufanyiwa kazi zaidi. (Naiomba hii kazi 😉)
2. Kuweka sera ya uanzishwaji wa makampuni ya kijamii (social enterprises), kama vile kuwa na nafuu ya kodi, kwa kuwa wanafanya zaidi kazi za ki-jamii
3. Kuwa na “National NGOs Sustainability Fund”, tutoe 1% ya fedha za 10% za halmashauri tuweke humo. Huo mfuko usimamiwe na “indepdendent fund manager” (Naomba hii kazi bure 😉).

Tufanye nini kama NGOs (at institutional level)

HATUA YA KWANZA
1. Fanya tathmini ya vyanzo vyako (sustainability risk analysis)
2. Weka malengo ya kuwa “sustainable” baada ya muda flani. Mfano, “By 2030, tuwe na fedha za ndani 100% ya bajeti ya taasisi”.
3. Fanya tathmini ya mapungufu ya taasisi ili kujua what needs to be done kuwa “sustainable” (Sustainability Readiness analysis)

HATUA YA PILI

1. Fanya kikao cha bodi na management, kupata “buy-in”
2. Anzisha “social enterprise” kama subsidiary ya NGO yako. Ili uweze ku “ring-fence” assets na liabilities za taasisi mbili
3. Andaa sustainability strategy
4. Badilisha watu wako “mindset” zao, kutoka kwenye “donor mentality”
5. Weka “advisory board” ya social enterprise yenye watu wenye weledi huu
6. Tenga fedha kila mwaka kufanya uwekezaji kwenye masoko ya fedha
6. “Commercialize” elimu na uzoefu wenu na mtoe huduma kama ushauri, mafunzo, data services, n.k

FEDHA ZA MTAJI ZITATOKA WAPI?

1. Omba “special request” ya funds ili kufanya haya
2. Tumia “exchange rate gain”. kwenye fedha mlizopewa na donors in USD. Mwaka huu 2024, kuanzia Jan-Sept, TZS impoteza 8%+ vs USD.
3. Anzisha “endowment fund”
4. Omba fedha toka “FCS Resilience Fund” kama unakidhi vigezo

“If you always do what you’ve always done, you’ll always get what you’ve always got.” - Henry Ford

[mangi @desilayo1]

Hivi @CRDBBankPlc mteja anafika bank chamwino branch anaambiwa mpaka mtu aweke pesa ndio atoe ? Serious is this the kind-of service you are marketing @amnsekela au the laziness of BM to recount money from safe #toobad #crdb

[Andrew Julian Mahiga @andrewmahiga]

You may be dismissed, but you will not be ignored, said the Lord.

[mangi @desilayo1]

@MrDepalitto7 Kwa sababu hapo inaongea kingereza sasa

[SA @SalumAwadh]

The 10 golden roles of personal finance that we tend to ignore

1. Dont spend the money you haven’t earned
2. Build a saving culture, at least 10% to 20% every time you earn
3. Build a culture of budgeting and stick to it. Avoid random spending
4. Invest in social safety nets ( health insurance, pension scheme, emergency fund)
5. Start investing, start with basics, with the little you have
6. Start learning about basic financial literacy skills. Attend seminars, read books, follow educational pages
7. Borrow where necessary, and don’t borrow to pay another debt
8. Spend less than you earn
9. Start buying assets over liabilities (Stocks, bonds/sukuk, land, digital assets, IP your content, franchise your brand, etc.
10. Use the 50/30/20 rule (Needs 50%, Wants 30%, Saving & investing 20%), of you expenditure
- If you are in debt, use 70/20/10 (monthly expenses 70%, saving and investing 20%, Debt repayment 10%)

Work on one after the other until you score 10/10

[Andrew Julian Mahiga @andrewmahiga]

When praying for the things you want, pray for the wisdom and discernment to handle them. God doesn’t give you things that you’re not prepared for, no matter how much you pray for them.

[mangi @desilayo1]

what do you think of our embarrassment in the Olympics nchi ya 65 million people na 60 years ya uhuru watu 7 Olympics kweli tuna sema hamna sports Tanzania tume logwa na nani!!!!!! Those athletes wako wapi the next Filbert Bayi?

[SA @SalumAwadh]

FURSA ZA BIASHARA AMBAZO HAZIJAFANYIWA KAZI SANA KATIKA SEKTA MBALIMBALI (Zipo baadhi tayari zimeanza)

KILIMO NA CHAKULA

1. Uhifadhi wa mazao baada ya kuvuna
2. “Ghost kitchen” - kuwa na jiko bila mgahawa, unapika na kufanya delivery kupitia app. Na jiko linakuwa shared na wapishi tofauti
3. Matumizi ya teknolojia kuanzia kuandaa shamba hadi chakula kumfikia mlaji (hapo katikaki fursa ni nyingi kwa kutumia tech)
4. Huduma za fedha na bima kwa wakulima
5. Usimamiza wa shamba (farm management)
6. Kulimia watu wengine na kuchukua percent (crowdfarming)
7. “Restaurant booking”

SEKTA YA AFYA
1. Doctor-Patient booking kupunguza queing hospitali
2. Kutumia AI kugundua magonjwa mapema (AI early detection)
3. Home-based care
4. “bed-side imaging”
5. Pickup & delivery of lab samples from home

HUDUMA ZA FEDHA
1. “credit scoring” kwa wasio na akaunti za benki
2. Robo-advisor - ushauri wa kuwekeza kutumia robot
3. Utoaji wa elimu ya fedha
4. “Profiling-based insurance products
5. FX hedging platform

HUDUMA ZA UJENZI NA MAJENGO
1. Nyumba za bei ya chini (affordable housing)
2. “Smart homes”
3. “Real estate crowdfunding”
4. Real Estate Investment Trust (REIT)
5. Peer-to-peer mortgage platform
6. Green building technology

Itaendelea…..

[mangi @desilayo1]

@abadojack Kesho anaweka muthokoi

[mangi @desilayo1]

@rollymsouth Mpaka ateme ndoano

[mangi @desilayo1]

@LatraTZ Nauli zimetoka kuanza kazi lini Sasa?