Tuipende mikopo, tuepuke madeni...!

Na: Albert Sanga, Iringa.

Kumekuwa na changamoto kubwa kwa waliojiajiri na walioajiriwa kuhusu dhana ya mikopo na madeni. Licha ya kwamba wakati mmoja hadi mwingine, wengi wetu tumepata kuwa na mikopo au madeni; ni wachache wanaotambua maana halisi ya mikopo na madeni na namna mambo haya mawili yanavyotakiwa kwenda nayo katika maisha ya kiuchumi.

Tuchukulie mfano wa wafanyakazi. Wafanyakazi wengi huwa wanajikuta wakiishiwa mishahara yao kabla hata ya tarehe ya kupokea mshahara mwingine. Wakishamaliza mishahara yao huwa wanajikuta hawana namna ya kumudu bejeti zao, ikiwemo chakula na usafiri; hivyo wanapata mbinyo wa kuazima fedha, huduma au bidhaa kutoka kwa wenzao, katika maduka na kutoka kwa watu binafsi.

Wakishaazima hizo fedha, huduma au bidhaa; mioyo yao inasuuzika, wanamalizia siku zilizobaki kabla ya mshahara. Mshahara unapotoka wanajikuta wanatakiwa kulipa madeni yao, hivyo wengi wao huwa wanaanza kulipa yale madeni kisha inayobaki ndio wanaanza kutumia matumizi mengine. Mtindo unakuwa ni ule ule wa kuishiwa kabla ya mwisho wa mwezi. Kwa kadri mfanyakazi huyu

CANAL+ AFRIQUE gets rights to broadcast entire 2014 FIFA World Cup competitio​n

PARIS, France, April 23, 2014 — CANAL+ AFRIQUE ( is pleased to announce the acquisition of broadcasting rights for the 2014 FIFA World Cup™ to be held from 12 June to 13 July 2014 in Brazil.

CANAL+ AFRIQUE will broadcast the entire competition, on its CANAL+ channels, with every single match being aired live. CANAL+ FOOT will be fully dedicated to the competition for one month.

Throughout this major sporting event, CANAL+ subscribers on the African continent will benefit from exceptional broadcasting thanks to a team of well-known journalists and pundits, a daily highlights show and

Remittance rip-offs: The huge cost to Africa in money transfer fees

(image source:

  • These excess fees cost the African continent $1.8 billion a year; enough money to pay for the primary school education of 14 million children in the region.
  • This is because workers are paying an average of 12% in fees to transfer money back to relatives in sub-Saharan Africa. To put that in context, a worker sending $200 home to provide for a relative’s education would incur a $25 fee.
  • The global community pledged to cut remittance charges to 5% by 2014, yet this ‘super tax’ shows there is a long way to go.
LONDON, 22 April 2014 (IRIN) - All over the world migrant workers are sending money home to their families. The money pays hospital bills and school fees, buys land, builds houses and sets up small businesses. The cash goes from the US back to Mexico, from the Gulf back to India, from the UK back to Somalia, and from South Africa back to Malawi, Zimbabwe and the rest of southern Africa.

But what these workers probably do not realize, since they usually only ever send to one country, is that the cost of sending money varies greatly. Now a study [ ] of the cost of remittances, carried out by London's Overseas Development Institute with support from the fund-raising charity Comic Relief, has revealed that transfers to African countries cost around half as much again as the global average, and twice as much as transfers to Latin America.

The ODI estimates that if remittance charges were brought down to the world average, the money saved could educate an extra 14 million primary school children, half of all those currently out of school on the