Marco Joram

Economist ||Financial analyist||Agripreneur

[Marco Joram @marjortz]

Agricultural value chains and feeding Africa of the future via @TheExchangeEA https://t.co/d8YQdTGqY3

[B.T.M Global Tech @msaka_Daily]

Ukijipata kifedha na ukabahatika kupata mtoto wa kike jitahidi umuexpose na hivi vitu vidogovidogo wewe mnunulie latest smartphones,outing za 5 star hotels,shopping za hapa na pale,international or local flights.. ili asije akautumika mbele ya safari kwa tamaa ya vitu VIDOGO

[SA @SalumAwadh]

Most 'family business' structures in Tanzania are ticking time bombs.

No HoldCo, No family trust, no succession plan, one funeral away from collapse.

1. HoldCo - owns and operates active businesses through operating companies (OpCo) as subsidiaries

2. Family trust - owns the HoldCo, and owns other passive investments in financial markets

3. Succession plan - prepares the next on the line to take over

4. Systems and governance - protects the business continuity even after the founder's death.

Dont forget, only 3% of family businesses survives the 3rd to 4th generation.

[Christian Bwaya @bwaya]

Hakuna kitu ‘watesi’ wetu hukipenda kama historia. Utahukumiwa kwa maamuzi na maisha uliyoishi jana. Utanyanyaswa na utoto wa juzi. Utatiwa unyonge uamini ukishakosea ndio basi hubadiliki tena. Shida ya watesi ni imani kuwa nyakati haziwabadilishi watu nafasi ulivyowahi kuwa ndivyo utakavyoendelea kuwa.

Maisha, hata hivyo, hutuletea watu wema wasiotung’ang’ania kwa makosa ya jana. Hawa ni watu wenye ukuu ndani yao, ‘wanaotuhukumu’ kwa huangalia zaidi kile tulichonacho leo, mtazamo wetu wa sasa, kule tunakokwenda na uwezo wetu wa kubadilika.

Watu wema hawa hutambua ni kweli shuleni ulizungusha lakini hiyo haimaanishi hukuwa na akili. Wema hutambua ni kweli ulizalia nyumbani, lakini hiyo haimaanishi huwezi kujenga familia imara. Wema hutambua ni kweli ulikuwa mdokozi lakini hiyo haimaanishi huwezi kuwa mcha Mungu leo.

Watu wema, kwa hakika, hutambua upande chanya wa historia zetu. Kwamba makosa na historia tusizozipenda huweza kumfundisha mtu somo muhimu linaloweza kubadilisha kabisa maisha. Nasi pia, kwa upande mwingine, tunaweza kujifunza kuwa wema na hivyo kuwapa watu nafasi ya kujifunza na kuonesha namna simulizi la maisha yao linavyoweza kubadilika. Soma kitabu cha Carol Dweck, Mindset.

[Christian Bwaya @bwaya]

“Jamaa ni Profesa? Wapi bwana. Tulisoma naye. Shule alipata three.”
“Mchungaji? Kweli watu wana utani na Mungu. Tuulize sisi tuliocheza nae.”
“Jamaa kawa waziri? Kabebwa hakuna kitu pale. Shuleni alizungusha.”
“Unamwamini huyu jamaa? Mwaka juzi alimtapeli jana yangu.”
“Kaolewa? Namjua. Shuleni alifukuzwa kwa kupata mimba.”

Tunawazuia [sana] watu kubadilika.
Hatuamini mtu anaweza kukutana na mazingira yakamlazimisha kuwa mtu mwingine. Hatumruhusu mtu tunayemjua kuhariri kitabu cha maisha yake. Hatumpi amani ya kuusahau unyonge wake bila usumbufu wa kukumbushwa asiyopenda kuyakumbuka. Tunang’ang’ania historia mbaya tunazozijua kuhusu watu. Tunawanyanyasa na kuwasengenya watu, saa nyingine, kwa kurasa za maisha zilizochochea badiliko tusilojijua. Hata afanye nini bado tunamkumbusha mtu kurasa asizopenda kuzisoma kwa sauti.

Usiamini unawajua sana watu.
Nyakati hupita. Nyakati hubadilika.
Watu hukutana na mengi.
Watu hukua. Watu hujifunza kwa makosa yao.
Watu hufikishwa mahala pa kubadilika.
Hata wasipokuletea taarifa.
Hata wasipojitetea kwako.
Watu huweza kuandika upya kurasa za maisha yao. Kila unapokutana na mtu unayemfahamu usiamini unamjua sana. Muda na matukio hubadisha watu.

Usisubiri mtu asiyependa historia yake mbaya akuondoe kwenye maisha yake. Usisubiri mtu ‘anayehariri kitabu cha maisha yake’ atafute amani kwa kujitenga na wewe. Usisubiri mtu aache kazi ofisini kwako kama mkakati wa kujipa nafasi nyingine ya kurekebisha makosa aliyoyafanya akiwa hapo. Tuwape watu nafasi ya kubadilika kwa sababu ni kweli watu hubadilika na hawatoi taarifa.

[Christian Bwaya @bwaya]

Maisha yana namna yake tofauti ya kutufundisha. Hakuna kinachokutokea kikawa hasara. Kazi isiyolipa ndiyo hiyo hiyo inakufundisha ujuzi. Kazi unayopoteza ndiyo inakupa ujasiri wa kujitafuta na kuanza upya. Ugomvi na mtu unayempenda unakufundisha umuhimu wa kuheshimu mipaka. Urafiki unaousitisha unakufundisha kile hasa unachokitaka. Biashara inayokutia hasara na hatimaye inakufa inakufundisha kufanya maamuzi sahihi.

Wakati wewe unasubiri ufurahie mema, saa nyingine utambe, ushuhudie na kuwanyong’onyeza watu, maisha yanakupiga tukio linalokukumbusha somo muhimu la unyenyekevu na kuheshimu watu. Wakati wewe unasubiri nyakati za neema, maisha yanakuletea maumivu yakuandae kushukuru hata kwa rasharasha za mema kadri zinavyojitokeza. Kuchelewa kupata kile unachokitaka kunakufundisha somo muhimu la subira na kupoteza ulichokipigania kunakufundisha kile hasa kinachobaki unapopoteza.

Ukweli tusioupenda ni kwamba hata mambo yanapokwenda kombo kinyume kabisa na matarajio, bado kuna somo muhimu katika maisha tunaweza kulipata. Ukichunguza vizuri utagundua yale maamuzi ya maana yaliyobadilisha kabisa mwelekeo wa maisha yako, aghalabu yalifanyika katika zile nyakati za machozi mengi—kukataliwa, kusalitiwa, kuishiwa, kufukuzwa, kuumizwa, kufilisika, kudharaulika, kushindwa na kadhalika. Ule ukurasa wa maisha usiopenda kuusoma kwa sauti ndio hasa uliokufundisha thamani ya kurasa nyingine unazozisoma kwa ujasiri mbele za watu.

[Christian Bwaya @bwaya]

Umewahi kujiuliza kwa nini hufanyi unachopaswa kufanya kwa wakati? Una kazi muhimu unayotakiwa kuifanya, muda unaenda, makataa yanakaribia na unajua lakini bado unaghairi kuanza.

Mojawapo ya sababu ni uwezo mkubwa unaokufanya ujiamini kupindukia. Unajiamini kuwa hata kesho utafanya. Unaujua vizuri uwezo wako kiasi kwamba hata ukichelewa kuanza unajua hiyo kazi utaifanya vizuri na utamaliza.

Hiki ndicho kilema kikubwa kinachowatesa watu wengi wenye uwezo mkubwa—wanatumia muda mwingi kujiamini, kujikubali, kuuelezea uwezo wako kuliko kufanya.
Uwezo unawadanganya.
Uwezo unawafanya waamini muda upo.
Uwezo unawapumbaza waamini wanaweza kuushinda uhalisia.
Uwezo unawalaghai kuwa hata wakichelewa watafanya vizuri. Matokeo yake hawaanzi kwa wakati na hivyo wanajikuta hawana muda wa kufanya kazi inayolingana na uwezo wao.

Kadri unavyokuwa na uwezo wa kufanya kitu vizuri ndivyo unavyoongeza uwezekano wa kuwa mvivu. Uwezo unakuchelewesha. Wenzako wanaojijua hawana uwezo kivile wanajihami —wanaanza mapema, wana nidhamu kubwa, wanaheshimu muda na hivyo wanaonesha matokeo makubwa halafu wewe unabaki na ubora kichwani usioweza kuuonesha.

[Malik Afif @malikafif84]

Wakati mwingine Mwenyezi Mungu atakuondoa kutoka kwa Watu uliowadhania wangekuwa katika Maisha yako Milele, si kwa ajili ya kukuadhibu, bali kukulinda, anaona kile ambacho huwezi,

[Kelvin Mkwawa @KMkwawa]

Access to finance remains one of the most significant barriers to business growth in Tanzania. For decades, banks have relied heavily on traditional collateral-based lending models, where access to credit is heavily dependent on the availability of non-movable assets such as land, buildings, and fixed property.

While this approach has historically provided lenders with a level of comfort and security against default risk, it has also unintentionally created structural barriers that limit access to finance for a large segment of businesses with strong growth potential.

The future of banking cannot rely solely on asset-backed lending; it must evolve toward financing models that recognize business performance, cash generation capacity, and value chain participation as key indicators of creditworthiness.

In today’s The Guardian newspaper 📰 (Banker’s Section), I explore why Tanzania’s banking sector must rethink how it lends and why transitioning toward more inclusive financing models, particularly cashflow-based lending, is becoming increasingly important for the country’s future economic development.
#Banking #Finance #Tanzania #FinancialInclusion #CashflowBasedLending #CommercialBanking #EconomicDevelopment #SMEs #Industrialization #AccessToFinance #Leadership #BankingSector

[Lawrence Kitema @lawrencekitema]

Apologize when you're wrong. You're too young to be losing genuine people because of pride. Stop thinking everyone is replaceable, and stop searching for quotes to defend your stupidity.

[jeroen blokland @jsblokland]

Debt sustainability is well captured in a simple formula that goes back to 1944.
The interest rate and GDP growth determine the change in the debt-to-GDP ratio. For decades, the idea was straightforward: as long as an economy grows faster than the level of interest rates, the debt-to-GDP ratio would be fine. The term pb, shown in the formula below, representing the primary budget (deficit or surplus), was long overlooked.

Today, taking potential GDP growth as a benchmark, even the smallest spike in interest rates will cause the debt-to-GDP ratio to rise, in most cases from already elevated levels. Take France, where potential GDP growth is at best 1%. For the U.S., it’s likely already below 2%. You can literally do the math using current interest rates.

But that’s not all. Focusing on r-g only works if the primary deficit (the budget deficit without interest costs) is small. Unfortunately, for most aging economies, this is not the case. On the contrary, primary deficits have ballooned since 2008 and continue to climb. Even in the case that r equals g (which is not the case), a large primary deficit will cause the debt-to-GDP ratio to rise.

Finally, and I think a lot of economists with their traditional models are missing this point, if you allow that debt sustainability is part of the actual monetary policy of central banks (and the evidence for this is everywhere around us), then the neutral interest rates of r-star, as it is often referred to, will be absolutely nowhere near 2.5-3.0%. For Europe, I would guess it is closer to 1.0%, for the U.S., perhaps 2.0% but that’s it.

So we can think a lot of temporary Fed-governor Miran (I do too), but he is absolutely right about the equilibrium interest rate being significantly lower than is assumed. Just a quick look at the r-g formula and current budget dynamics is enough to confirm this.

[AmosiNyanda @NyandaAmosi]

Katika Dunia ya Sasa Sio Samaki Wakubwa Tena Ndio Wanaokula Samaki Wadogo—Bali ni Samaki Wenye SPEED

SPEED inayozungumziwa hapa ni ile ya Kunyaka TAARIFA Mpya

PS:Haujalishi Wewe ni Mkubwa Sokoni Kiasi gani—Kuna TAARIFA Ukizikosa tu—You’re FINISHED my friend

[Lawrence Kitema @lawrencekitema]

The same qualifications that got someone a job are the same qualifications others have but remain jobless. Let me remind you: the same illness you recovered from is the same illness that has taken millions to their graves. Be grateful and always give thanks to God

[Christian Bwaya @bwaya]

Kujipendekeza sio ‘networking.’ Watu hufuata thamani. Ikiwa huna ufumbuzi fulani unaorahisisha kazi za watu, unaweza kufahamiana na watu wengi na isikusaidie.

Tumia muda mwingi kujifunza, kujitafuta na kujenga umahiri hata kama itakubidi kuwa mkiwa kwa muda. Thamani yako ikianza kuonekana, ‘network’ zitakuja zenyewe wala hutotumia nguvu.

[Marco Joram @marjortz]

@batho_shukran Inawezekana kupanda lakini 5000 kwa 2030 is too high kwa nature ya soko letu pia bila kusahau Sera za kifedha za nchi.

[𝐌𝐚𝐳𝐢𝐤𝐮 𝐀𝐆𝐑𝐈𝐂 🇹🇿 @Mazikuagric]

Ukiaminiwa, kuwa mwaminifu. Fanya kazi kwa bidii ili usiwavunje moyo waliokuamini.

[Inferam @InferamAI]

Creating a family by giving pieces of yourself....it couldn't be summarized more beautifully

[SA @SalumAwadh]

Opportunities in construction industry in Tanzania (NBS)
- A multi-billion dollar industry.

1. 14.3m buildings, all these need repairs, maintenance, etc
2. Annual housing demand is 200,000+ units, all these need building materials
3. 3.4% are commercial buildings, all these need property managers
4. 90% are residential buildings, potential for turning some of these into airbnb
5. 12.8% of all buildings in Tanzania need major repairs
6. 67% of all buildings have been built on un-surveyed areas, opportunity for affordable housing on surveyed plots?
7. 83.3% of buildings are resided by owners, with only 9.2% for rentals, low awareness on “build to rent” opportunities
8. Professional services highly needed.

Grab your opportunity.

Visit us at Masaiti area, Mbweni A, Dar es salaam for tiles, sanitary ware, roofing, bathroom fittings, and kitchen cabinets.

Or call 0714 118 388

[The Investing for Beginners Podcast @IFB_podcast]

Dividend Growth Rate:

[Maviatu 👞👟🥾🛍️🛒 @BarakaMaviatu]

@drmlalukoMD Kitu asichosema ni kua masikini mwenye uwezo akipoteza biashara kapoteza kila kitu na hawana backup zaidi ya familia kutanga tanga na kuomba omba.

Hii ndio aibu watu hawataki.

[Swahili Agribusiness 🇹🇿 @haroldmafita97]

USIPITE, SOMA

Wafugaji wengi ni wakulima pia. FACT

Kilimo (mazao) Yako very seasonal, kiasi kwamba kipato Cha wakulima hawa kiko seasonal pia. MSIMU

Kipindi kisicho Cha kuvuna au karibu na msimu mpya wa kulima, wakulima huteseka sana na pesa hasa mtaji wa kulimia. FURSA

Kwako mnenepeshaji huu ni muda wa kununua mifugo kwa Bei rahisi sana kupita muda mwingine.

Bei Huwa nzuri zaidi kwa ng'ombe wasiotakiwa Tena (mkulima hategemei kupata mteja), ng'ombe mwembamba, umri mdg au Mzee

Ukiwa na Feedlot Yako nzuri. UNANUNUA, UNANENEPSHA & KUUZA KWA FAIDA

📌CHUNGUZA ENEO LAKO

Ng'ombe ni Utajiri 💰