Mkopo wa Malkia

Maelezo

Pendekezo la CRDB Malkia ni kifurushi cha bidhaa na huduma zilizopo za benki zilizounganishwa pamoja na kulengwa katika kuimarisha ufikiaji wa wanawake wa huduma za kifedha na zisizo za kifedha. Pendekezo linatoa suluhisho za kifedha za ushindani kwa wanawake ili kuongeza upandaji wa wanawake kwenda Benki.

1. MSE Malkia

  • Caters for both registered and unregistered business;
  • The loan type includes working capital, investment loan, and asset financing;
  • The loan amount is up to TZS. 50Million;
  • Competitive and affordable interest rate of 14%;
  • Repayment period of up to 24 months
  • Flexible collateral requirements;
  • No application fee required
  • Minimum six (6) months business experience 
  • Term loan

2. SME Malkia

  • Caters for registered business;
  • Loan type including working capital, investment loan, and asset financing.
  • Loan amount from Above TZS. 50Million up to TZS.3 Billion;
  • The competitive and affordable interest rate of 14% for loans up to TZS. 100Million and 17% for loan amount above TZS.100 Million;
  • Repayment period of up to 60 months depending on the loan type
  • Flexible collateral requirements;
  • No application fee is required;

3. Retail Agribusiness

  • Caters for both registered and unregistered business;
  • Loan type includes working capital, investment loan, and asset financing;
  • Loan amount of up to TZS. 200- 3BLN BN; 
  • The competitive and affordable interest rate of 14% for loans up to TZS. 100Mn and 17% for loan amount above TZS.100Mn both on reducing basis;
  • Repayment period of up to 60 months depending on loan type;
  • Flexible collateral requirements;
  • No application fee is required;
  • Minimum six (6) months business experience;
  • Flexible loan repayment schedule according to business needs.

Who are eligible borrowers?

  • Women with registered or unregistered business
  • The borrower must be a woman age 18 to 70 years
  • Must have an existing business for at least for 6 Months
  • Must own business at least by 50% or more
  • Must be active in business not merely having a share

What are the required business documents?

  • Registered
    • Business License
    • Tin Certificate
  • Unregistered 
    • Machinga ID
    • Soko letter
    • Local business permits


Maswali

Kiwango cha riba - Mkopo wa hadi TZS 100MLN ni 14% - Mkopo wa juu TZS 100MLN ni 17% Ada zingine - Ada ya Maombi - Sifuri - Ada ya Kituo - 2% - Ada ya Bima - 1% - Ada ya bima ya dhamana - 1.8% Nyaraka za kisheria: - Malkia MSE - 0.5% - Malkia SME - 0.3% kiwango cha juu TZS. 560,000 - Malkia Agri - 0.3% kiwango cha juu TZS. 560,000

Utaratibu wa kuzingatia MSE, SME na Biashara ya Kilimo itatumika. Utaratibu wa MSE tayari umesasishwa ili kuingiza MSE Malkia. Hivi sasa tuko katika mchakato wa kukagua taratibu za biashara ya kilimo na biashara ya SME & Retail na hiyo hiyo itatumika.

HAPANA, akaunti ya Malkia sio sharti la lazima. Ni akaunti ya uwekezaji wakati mteja anataka kuokoa pesa kwa kusudi maalum. Katika hatua ya maombi, tunatarajia wateja kuwa na akaunti ya Bidii, Fahari Kilimo, akaunti ya MSE wakati wako tayari au akaunti ya kibinafsi.

Ndio, wateja waliopo wanaweza kusasisha kupitia pendekezo jipya la Malkia, sheria na sheria mpya zitatumika.

- Kukubaliwa kwa Barua ya SOKO, vibali vya Biashara ya Mitaa na Kitambulisho cha Machinga kwa mikopo hadi TZS 5 MLN - Kiwango cha riba 14% hadi TZS 100 MLN - Kiwango cha riba 17% juu ya TZS 100 MLN - Dhamana ya 50% ya mikopo inayoungwa mkono na bima ya Dhamana - Dhamana ya sehemu ya tatu inakubalika kwa kila mali isipokuwa mali na makubaliano ya mauzo

Unaweza kupendezwa na