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Sample translations submitted: 1
English to Swahili: PJ BADILISHA Detailed field: Cinema, Film, TV, Drama
Source text - English M: Kwahiyo unaenderea kuumia tu.
R: Ndiyo sasa utafanyaje, kuliko niumie na majibu yako tufanye ugomvi ni bola niumie mwenyewe
Lakini pia ukienda ukamuuliza anakwambia ile hela ilikuwa inakatwa kama mtoto wako amemaliza shule na kama humpeleki mtoto kiliniki hela napo inakatwa.
M: Wewe uliweza kuambiwa hivyo nna ukaridhika.
R: Hata mimi niliambiwa hivyohivyo.
Mimi kwakweli ssijawahi kuuliza ila wale wanaouliza muda mwingine wanaleta majibu na mtu unakata tamaa ya kuuliza.
Kwakweli mimi sijakatwa.
Lakini mpaka sasa hivi hatujajua makato haya nikweli au ni majibu tunayopewa kuwa zinapelekwakenye mifuko ya watoto wa shule. yani hatujapata majibu ya uhakika
M: Kuna mtu nimesikia anasema kuwa wanakata bima, Kuna mtu ana bima hapa?
R: Ndiyo bima tunazo lakini siyo kupitia TASAF
M: Mimi nauliza ya kupitia TASAF.
R: Unatoa hela yako mfukoni unakata bima.
Mimi nilikata bima bwana kwa hela ya TASAF lakini sijakatwa hela yangu .
Tatizo majibu sahihi hakuna ya kuwa hela inayokatwa inaenda wapi. Yani muda mwingine hela inabadilika mwezi hadi mwezi na hakuna majibu yoyote hata ukija na karatasi ya kupokelea kinajieleza bas hivyo tu.
M: Labda mwanzoni hakuna utaratibu ulitolewa kuwa kuna muda itakuwa inapungua kulingana na sababu kadhaa
R: Hapana [wote wanaitikia] Haafu kuna wengine ni wazee lakini walishakatwa hizo hela siku nyingi sana
Yani majibu hakuna kwakweli hawakutupa hiyo taarifa.
Pakusemea hakuna
M: Pakusemea ndio hapa sasa semeni
R: Ndiyo hivyo sasa yafike hay tunayoyasema.
Labda nijiongelee mimi nilikuwa napokea arobaini ukiangalia hali ya maisha yanyumbani na nipo mama tu kwwakwei ilikuwa inanisaidia sana na inafikia wakati nawaza TASAF tarehe fulani unapigia mipango badae unata hela pungufu na umeshapanga bajeti kwakweli wanatukwaza sana.
Lakini pia ule muda wa kutuma tuwe na uhakika labda ni tarehe fulani siyo mtu unakaa upo tu hata hujui muda muafaka pesa haziji
Kuongezea hapo kwa hii changamoto sisi tunaotumiwa kwa m-pesa tunatumiwa siku moja lakini wanaokuja kuchukulia ofisini ilitakiwa waletewe kesho wao wanakaa taha mwezi kabla hawajaletewa.
Kuongezea hapo sisi tunaopokea kwenye simu hatuna wasiwasi sana lakini hawa wenzetu mpaka wanahoji. mpaka sasa wanatuwekea mashaka
M: Kwahiyo nyie mnajaribu kuwaelezea ni nini haswa?
R: Tunawamba hatujui ila subirini. Mimi wakati mwingine napiga simu kwa viongozi wanasema kuwa wanaaitwa lakini bsi wakati sisi tukitumia na wao wasichukue muda maana wanahoji sana.
Lakini pia kuna wengine waliandika ile namba lakini bado hawatumiwi mimi kuna rafiki yangu tuliandika wote lakini bado hatumiwi.
M: Mlijaribu kuuliza labda kwanini watu wanaandika namba lakini hawatumiwi.
R: Sijawahi kuuliza hilo swali kwasababu sana sana haibani kwangu
M: Sawa, lakini yule si nimwenzako
R: Nilimshauri yeye aulize, akaulizwa akambiwa bado tunaendelea kuwasajili na inatumia muda na wanatupa lawama pia wanatuhoji
M: Sasa tulikuwa kwenye kipengele cha malipo ya TASAF, tukaona kwamba yule mtu anapokea yale malipo kwakutumia simu. Kabla ya kuanza kupokea hela ya TASAF kupitia simu je ulishawahi kutumia simu kupata huduma yoyote ya kifedha.
R: Ndiyo
M: Ni huduma gani ambayo ulitumia.
R: Kutoa pesa na kutuma pesa
M: Umeanza kutumia huduma ya kefedha baada ya malipo ya TASAF au umetumia tangia mwanzo.
R: Mimi siku nyingi sana
M: Ni huduma gani ulikuwa unazitumia.
R: Matumia simu hiyo ya m-pesa lakini kwa mfano kwenye vikundi kuna watuwa malejesho wengi wanatumia simu kufanya marejesho yao
M: Happy?
R: Mimi nimeanza kutumia huduma ya m-pesa siku nyingi sana kasababu mzee alikuwa nasafiri na mzee alikuwa anatutumia pesa
M: Kwa upande wako ikoje?
R: Na mimi pia nimeanza kutumia mda mrefu sana kwasababu naweza hata nikaumwa na mimi ndio baba na mama hivyo waga napiga simu na natumiwa pesa.
M: Na mama je ulianza kutumia kabla au baada ya TASAF kuanza kutumia mfumo wa simu ndo ukanza kutumia.
R: Hapana nimeanza kutumia kwa mda mrefu sana
M: Ni hudum gani ulikuwa unatumia.
R: Nilikuwa wakati mwingine sina hela ya kula naomba watoto wangu wananitumia
M: Na wewe
R: Hata mimi muda mwinggine nilikuwa natumiwa na watoto lakini sijaanza kutumia muda mrefu
M: Mzee wewe je?
R: Ni muda mrefu sana
Na mimi hivyihivyo mda mrefu sana unatuma na kutumiwa ndo TASAF imekuja kuanza.
M: Sasa ningependa nifahamu je ni sababu gani zilikufanya kuhamia kwenye huduma ya simu ya mkononi?
R: Walikuja happa watu wa TASAF wakatoa semina, ila kwamimi kilichonishawwishi ni kutokana na shughuri zangu za kijamii kwahiyo unakuta wakati mwingine sipo inalazimmika numuachie kitambulisho mwenzangu lakini ilipokuja hii ya m-pesa nilifurahi kwasababu napata pesa mwenyewe.
M: Mwingine mwenye sababu ya kuhamia uko.
R: Mimi sababu ni kwamba ninaweza kuwa bize na kuja kuunga foreni hapa inakuwa shida lakini kwwa m-pesa napata hela yangu bila hata kuja huku na nikatoa kwa wakati wangu nikaja kusaini tu.
Mimi niliona ni bora kwasababu kama ikiingia hata kama ukobize unawezaa ukaja kuitoa kwa wakati wako.
M: Na hapo kwanini ulihamia?
R: Walituelekeza na tukaona mfumo ni mzuri sana kuchukua kwa m-pesa ni rahisi zaidi
M: Kwahiyo wengi ni usawishi tuliopata kutok kwa wafanya kazi wa TASAF.
R: ndiyo na ukiangalia ni kweli
Ukiwepo hapa itkufikia ukiwa nje itakufikia pia.
M: Hakuna sababu nyingine labda wewe mwenyewe ukiacha kwamba TASAF walikushawish?
R: Mimi ni kwasababu shughuri zangu mara nyingi mda wangu unakuwa ndogo kwahiyo tulivyopewa semina niiona itanisaidai
M: Sababu ni kuwa wasaidizi wa TASAF ndio waliokushauri ukahama, je hakuna sababu kwamba labda mawakala wa simu wapo karinu ngoja nijiunge.
R: Hiyo nayo ni sababu
Kama hiyo sijaiongelea kwasababu mda mwingine natumia hiyo pesa nikiwa kazini
M: Haijalishi unaitumia ukiwa sehemu gani.Ila ni vitu gani vilivyo wafanya kushawishika kuhamia kwenye mfumo wa malipo ya simu ukiacha huo ushawwishi wa wasaidizi wa TASAF sababu nyinginee ni zipi?
R: hayo kweli hatukuyaongelea lakini kwenye huduma ya mawakala tuko nao karibu
M: Sababu nyingine.
R: Mimi niliona kuunga foleni ni usumbufu
Huduma waliyotuletea kupitia simu kwasababu saa nyingine hupati taarifa lini inakuja na haupo na ndo haumo kabisa
Pia na kama pesa uliyoandikiwa imekuja lakini haupo hiyo pes inarudishwa au
M: Sasa hilo lilikuwa swali la kuwauliza nyie je mliwauliza?
R: Tuliuliza
M: Ukajibiwa nini?
R: tukajibiwa kama mtu haupo asilete malalamiko yake pesa kalalamikie pale
Wanasema siteekuwepo na lake alipo pesa mpaka asubiri awamu nyingine. Matatizo ya mwanadamu hayana ahaddi na mtu.
Na tungehamishiwa benki huku wengine namba zao za siri hawazijui hawana kumbukumbu ile siku wakati wanatupa ushauri
Lakini hili walilotuletea halina muafaka mbaya.
Mtu unaipata pesa yako kwwa wakati shida ni kukatwa zinaenda wapi na ukitakakwenda kudroo ni wakati wowote ukitaa itakaa hata mwezi
M: Naona kwamba tun uzoefu wa kupokea pesa kwa njia ya simu tangu tarehe nne mwezi wa nane, Sasa ningependa kila mmoja anieleze kutokana na zoezi hili unauzoefu gani nalo mpaka sasa hivi.
R: Uzoefu kivipi yani
M: Yani yalee malipo kwwa njia ya simu mpaka sasa.
R: Mimi nimeisha zoea kwasababu TASAF tunapokea kila baada ya mwezi mmoja kwahiyo ikishapita ule mwezi mmoja unaokuja nakaa makini mda wowote [wanacheka]
M: Je ni faida zipi ambazo mpaka sasa hivi umeisha zipata kwa malipo ya njia ya simu.
R: Faida mimi niliyo ina ni hiyo kunirahisishia kama sipo hela yangu napata kama kawaida
M: Sababu nyingine?
R: Kubwa ni hilo kurahisisha na kupata kwa urahisi lakini pia kupumzika foleni
M: Faida unayoiona wewe.
R: Kuna shida nakuwa nahela naangallia simu yagu nakuta nimeisa tumiwa, Ninafurahi sana kwakweli
M: Tunasema tu zipo nyingi tujitahidii kuzitaja.
R: Ukishaipata kama mtoto hana itabu unaenda kumnunulia
Kama mimi nilivyokwambia ilinisaidia kwenye matibabu ni faida moja kubwa sana
M: Sasa tunaanglia faida za kupokelea simu yani.
R: Imenisaidia kuniepusha na foleni napata hela yangu bila kupanga foleni kwasababu kwa imani ya dini yangu siruhusiwi kutoka.
M: Je kuna hasara gani za malipo kwa njia ya simu
R: Kupokea hela pungufu kwasababu ukienda kutoa hela m-pesa wanakata
M: Mwingine hasara ambayo tumeiona mpaka sasa hivi kwa njia ya simu.
R: Hata mimi ni hiyo hiyo
M: Kila mtu jamani hasara ni hiyohiyo
R: Hapana mimi sina hiyo hasara,kwasababu wananitumia na yakutolea.
Hasara yake kwakweli sijaiona mpaka muda huu kwakweli
M: Sasa mbali na hizo simu zetu kupokelea hayo malipo ya TASAF, je hizo simu zetu tunatumia vitu gani vingine ukitoa tu ile kupokelea pesa.
R: Tunatumia kwa mambo yetu binafsi kama hiyo kutoa na kuweka pesa, mawasiliano,
M: Kingine ndio tunamalizia hapa.
R: Kitu kikubwa kwenye simu ninachokiona..
Mfano muwezeshaji mfano tunao kukutana na sisi hapa umatumia simu faida ya kwanza hiyo
M: Sasa je ni mala ngapi mnatumia huduma za kifedha za simu ya mkononi kama malipo ya TASAF tu a kwa miamalamingine.
Swali naona ni kama lile lililotoka.
R: Tunafanya miamala mingi sana [wote wanajibu]
Kutumia m-pesa na miamala mingin tu kwasababu saa nyingine unaweza kufanya biashara.
M: Pale pesa ya TASAF unapoipokea je huwa unaitoa kwa siku moja kwenye simu yako au unaitumia kidogkidogo, Mtu mmoja mmoja ananipa jibu.
R: Kwamfano mimi naitoa kwa pamoja ili nisipate usumbufu wa makato kwasababu ile inakuja na hela ya makato
M: Mwingine?
R: Mimi natoa yote.
Hata mimi.
M: Wote tunatoa yote ikisha ingia?
R: Yote tunatoa kasababu ya kuepuka makato. na kununua matumizi ya nyumbani
Maana ikiingia tu huyu ananiambia angalia ukasome [wanacheka]
Lakini kule kutoa kote ni harali yako kwasababu badae utakapo iacha utakatwa
M: Kwahiyo wengi tunatoa kwa wakati mmoja.
R: Ili kuepuka garama
M: Je katika hiyo pesa tunayoipokea ya TASAFkuna akiba yoyote tunayo iweka ya pesa.
R: Ndiyo lazima uweke akiba
Nikiongelea kwa upande wangu huwa siweki
M: Kwanini hatuweki akiba?
R: Inaweza ikaingia ukaiacha mpaka pale unapopata shida ndipo ukaitoa.
M: Kwahiyo kumbe siyo kwamba inaingia wakati huo huo na kuitoa
R: Hapana [wanacheka]
Kwangu mimi inaweza kukaa mpaka hata miezi mitatu lakini nikijua kuwa nina akiba yangu pale
M: Kama tunawweka hiyo akiba ni ile pesa yote au kunakuwa na nyingine labda ya mwezi uliopita.
R: Mimi siwezi kutoa kwa wakati huo huo tunaiacha humo humo
Ila kwa upande wangu sijawahi kuiweka mpaka ikakutwa na ya mgao mwingine
M: Niwaulizee tena, Je tunamiliki simu na laini ambayo unapokea malipo kutoka TASAF.
R: Ndiyo [Wote wanaitikia]
M: Kwa maana hiyo wote laini zimesajiliwa kwa majina yenu.
R: Ndiyo, majina yetu na namba zetu.
M: Kwa suala la wenda kutoa tumeona wapo wanaowatuma wengine wajukuu wengine watoto wao.
R: Mimi wakati mwingine kama nimechoka namtuma mwanagu.
Mimi ninatoa mwenyewe
Mimi ninatolewa na wakala
M: Ebu tuzumgumzie kwawale ambao wamehsjaribu kuwatuma watu, Je kwanini wanakaya au mtu unamtuma mwingine.
R: Labda kama ninaumwa na watoto wangu wapo na ninawaamini naweza kuwatuma wanitolee
M: Kwanini unawatuma wajukuu kwamba nenda unitolee.
R: Ndiyo hivyo nimeshazoea na siyo ya TASAF tu hata nyingine ikitumwa namwambia anaeenda kutoa
M: Kwanini unamtuma huyo.
R: Kwasababu namwamini sana
M: Wale ambao tunawatuma inaonekana tunawaamini kwa kiasi kikubwa sana au kuna siku aimeshatokea shida.
R: Mimi kwwangu hapana
M: Je pale huwa tunaenda nao kwa wakala au unamtuma wewe unabaki nyumbani.
R: Mimi ninampasimu anaenda
Mimi wale wa kwangu niwakubwa hivyo wanaelewa kila kitu nikimpa anaenda kutoa
M: Na hapa mama mjukuu unayemtuma namba ya siri anaifahamu anafika anaweka au anampalakea wakala.
R: Anafahamu mwenyewe
M: sasa je tumeshawahi kupotezza pesa kwa njia hizo tunazofanya.
R: Hapana sijawahi hata siku moja.
Na hata kupoteza mimi ningekuwa wa kwanza maana nimelemaa na simu.
M: Kwa sasa ikatokea mtu anataka kukupa msaada kwa kutoa pesa menyewe. Je? ni msaada gani ambao ungehitaji.
R: Nitakubali anisaidie nijue kutoa mwenyewe.
M: Hapa tumeona dada wewe unamtuma wakala ili afanyeje anakutolea labda kanini unampa wakala akutolee.
R: Kwasababu siwezi kuandika.
M: Unaweza kutwambia ni nini kinafanyika uukifika pale mpaka uweze kutoa pesa yako?
R: Nikifika pale namwambia naomba nitoe hela ananiuliza kiasi akinambia andika namba hizo namwambia siwezi, ananiambia nipe simu yako anandika namba mwenyewe
M: Namba ya siri unaandika wewe au anandika yeye?
R: Nandika mwenyewe.
M: Unandika mwenyewe namba ya siri kwenye simu, Je? unamwamini kwa kiasi gani huyo wakala.
R: Ninamwamini kwasababu hajawahi kuniibia hata siku moja.
M: Je? na hao mawakala wanapatikana kiurahisi katika hayo maeneo yenu.
R: Ndiyo wanapatika muda wote [Wote wanaitikia]
Muda wote kasorousiku kuanzia saa tano
Kinachoweza kusumbua wakati mwingine ni mtandao.
M: Tunaweza kuwataja ni mawakala gani ambao wanapatikana? Wamitandao gani
R: Abdallah, ndiye tunamtegemea sana.
M: Yani mawakala wa mitandao inayppatikana.
R: Voda, tigo, airtel, sana sana mimi natumia voda tu tigo sio sana.
M: Je? kuna changamoto zozote ambazo tunazipzta kupitia hao mawakala.
R: Hapana kakweli tutakuwa wanafiki kwa hilo
M: Ningependa kufahamu ulishawahi kupoteza raini yako ya simu ya mkononi.
R: Hapana sijawahi.
Ndiyo mimi nimewahi kupoteza kwa kuibiwa simu nikiwa kwenye daladala na raini ile ndiyo nilikuwa natumia kwenye M-pesa. Lakini sikupata shida kwasababu ninakitamulisho nilichosajilia raini, kwahiyo nilienda voda nikarudisha ile raini na pesa yanu ikarudi kama kawaida.
M: Kutoka kipindi ambacho ulipoteza iikuathiri kivipi katika mmalipo ya TASAF.
R: Haikunihathiri kwasababu ilipotea wakati wa kutumiwa pesa haujafik na nikawa nimeirudisha kabla ya ule wakati.
M: Tutaenda haraka haraka kidogo naona watu tunaanza kusinzia.
R: Hapana tuko pamoja
M: Basi tuendelee, baada ya tukio hilo ndo ukasema kwamba ulifanyaje.
R: Nilienda kurudisha rain na pesa yangu ilipoingia nakachukua kama kawaida.
M: Ningependa tuzungumzee kuhusu ushirikiano wako na wana jamii nyingine kwa maana ya TASAF, wasaidizi CMC na viongozi wengine wa kijamii. Tafadhari niambie wanachama wengine wa jamii wanakuonaje kama mnuaika wa TASAF
R: Wengi wananiuliza na wanatamani wawe kama mimi.
M: Unadhani kwanini anatamani kuwa kama wewe?
R: Anatamani kwasababu nayeye apate hicho ninachopata mimi sianaona ninavyosaidika.
M: Mwingine?
R: Nakumbuka kipindi tunandikwa haya majina, kwamfano mimii sikuwepo nyumbani ila nikaandikishwa na mtoto, ila kuna majirani zangu walifatwa tunandikisha majina kuna msaada fullani unakuja, wakakataa kuwa wameshachoka kuandikwa kila siku wakadharau ila baada ya hapo kuona sisi tunapokea ndipo walipoanza kuumwa na roho sasa hivi wanakaza kutuuliza tu kwa maana kwamba wanatamani
M: Sasa je sisi wenyewe tunajiisi vipi kuwa katika huu mpango.
R: Mimi najiona kama tajiri fulani [wanacheki], na ninafurahi niko kwenye mpango huu naona nimebahatika sana jina langu kurudi kwasababu wengi walikatwa.
M: Na wengine tunajisikiaje?
R: Mimi najisikia furaha kuwa mnufaika wa TASAF maana inanisaidia mimi na watoto wangu.
M: Sasa je? tunaweza kusimama mbele za watukujieleza kwamba sisi ni wanuaika wa TASAF.
R: Ndiyo tena sana [waote wanasisitiza]
Inawezekena kwanza kikubwa labda ambacho kitokee ni kusisitiza wanapo kua wanaitisha mkutano watu wasidharau mimi huwa sidharau mana mkutano sio wa kiongozi tu huwa wanaumia
Lakini tunamshukuru baba Yahya maana yeye ndiye alikuwa anaongoza kle kikundi
Hii Tasaf ilikuja tuliitwa kwanza kwenye semina tukasomeshwa kwa baba Yahya na ikarudi kwa mara ya pili na kusissitaza kuwa wanahitaji nyumba masikini. Ndio maana baba Yahya alikuja vizuri sana na niwatu kamfahamu sana
M: Tujaribu kuanalia wale wafanya kazi wa TASAF, amabo tunashirikiana nao. Ningependa kufahamu kuna muiigiliano kati ya wafanya kazi na sisi.
R: Muingiliano upo kwasababu mwanamke mwenzangu alikuwa anaumwa ili kiongozi alinisaidia mpaka nikaweza kujieleza
M: Je? sisi wenyewe wanufaikaji tuna muingiliano.
R: Ndiyo muingiliano tunao [wanasisitiza]
M: Tunaweza tukaelezea kidogo.
R: kwasababu ingekuwa hakuna muingiliano hata sababu za kuja le haa tusingepata
M: Sasa ningependa kufahamu pale ambapo tunakuwa nna shida zetu tunaenda kuwaona hawa viongozi wa TASAF ni mara ngapi huwa iinatokea tunaweza kuwaona
R: Tunawaogopa.
Mimi sio kwamba nawaogopa toka tuanze hii kkwenye simu kwasababu naona hhela tunapokea ,labda kama kuna kikao na kubadilishana mawazo.
M: Pale tunapokuwa na shida huwa mnajaribu kwenda kuwaona wale wafanyakazi wa TASAF na kuwaelezea shida zenu
R: Sijawahi kuwa nna shida ya kusababisha mpaka niwatafute wao kwakweli
M: Si kun ule mda wa malipo labda wakijaa tunapata muda wa kuwauliza maswali
R: kwamfano sisi tunavyopokea kwenye simu hata huo muda wanaokuja kuwapa wengine sisis hata hatupo. Labda wale wenzetu amabao wanakuwepo hizi changamoto a kuchelewesha watakuwa wanasema ingawa hakuna majibu.
M: Lakini hapa tunaona kuna watu wanashida zao lakini hawaulizi.
R: Jamani wengi wanawaogopa kwasababu majibu yao yako tofauti na hayana uhakika
M: Je? TASAF wanapokuaja kuna wakati ambao wanatoa ufafanuzi mbalimbali.
R: Wao wanachoelezea sana sana waanapokuja ni kama TASAF inawasaidia walengwa au hapana
M: Tukiacha hilo?
R: Mpaka nawengine pia wameisha punguzwa
M: Ukiacha hilo ni swala gani jingine TASAF waga wanazungumzia wakija.
R: Bima ya afya
Lakini pia tunashauriwa hela tunayopata kufanya biashara ndogondogo kwasababu hii hea upo wakati itafikia mwisho
M: Na ka swala la bima wanasema nini?
R: Hiyo hela mnayo pokea mkatiwe na bima ya afya
M: Na hiyo bima wanakata wao wenyewe.
R: Wanakata hapa hapa
Ni wewe mwenyewe unatakiwa utoe hela yako.
M: Unatakiwa utoe elfu kumi na mbili ndipo uweze kupata bima.
R: Wale TASAF walileta wahamasishaji kuhusu bima
Na bima unatakiwa ufatilie ukifatilia unapata tena haraka sana.
Kma mtu ulitoa hyo hela unatakiwa ufatilie ile tika yako ofisini huwezi kuletewa nyumbani
M: Vipi kuhusu kuhamia kupokea kwa njia ya simu huwa wanasisitiza kuhusu hili?
R: wanahamasisha sana [wote wanajibu]
Kwasababu wote wanatuita kwenye vikao na tunahamasisha faida za kutumia simu na kuhusu TASAF
M: Napenda kufahamu je hawa wahudumu wa TASAF tunakuwa tunawaogopa au tunawaona kkama marafiki wa kkawaida.
R: Tunawaogopa [Mmoja kasema].
Mimi siwaogopi kwakweli sidanganyi.
M: Kwanini wewe unawaogopa?
R: Mimi ninawaogopa kwasababu nimeisha toa matatizo yangu sijafanikiwa.
M: wengine?
R: Kwa mimi binafsi siwaogopi kwakweli nikiwa na chochote naweza kuwambia.
M: Mwingine anayewaogopa au hawaogopi
R: Mimi siwaogopi ila nilikuwa nataka nijipange niwaulize huyu mtoto wa kaya masikini anapotoka kidato cha nne wanaenderea ngazi ya juu anasaidiwa au anaachwa ngazi ya juu.
M: Kuna huyu anaitwa CMC tunamfahamu CMC wetu?
R: Sijapata kumuona huyo kkwakweli.
CMC si kama mwenyekiti.
M: Hawa ni kama wasaidizi ambao wao mara nyingi tunakuwa tunaish nao hapa kwamfano yule Mzee Adam.
R: Mzee Adam yule wa pale tunamfahamu
M: Yule ni CMC msaidizi wa TASAF na anafahamu nani ni nani na anaishi wapi.
R: Ndiyo tunawafahamu si yupo Witie
Witie amekuja kipndi hiki, kipindi kile hakuwepo.
Witie alikuwepo tangu TASAF inaanza kutolewa TASAF.
Pale hakuwepo ila alikuja kwenye mpango wa hela sasa wale wa karibu zaidi ninayemfahamu mm anakuwepo siku ya ugawaji.
[Wanaeleweshana kuhusu Witie]
M: Lakini tunaposema wasaidizi CMC ambao wanakuwepo wakati wa kugawa fedha ambao wao ndio wanakuita jina. Sasa je tuna mahusiano nao mazuri.
R: Ndiyo mpka mimi ninamahusiano nao mazuri kabisa.
Hawana shida kwakweli
M: Tunaweza kuelezea katika zoezi zima la kugawa fedha ni nini wanavifanya?
R: unakuta kipini kabla sijaanza kupata hela kwa njia ya simu walikuwa wanapita kutoa taarifa.
M: Labda alipopita Witie ni shida gani ambayo iliwahi kukupata ukamweleza akakusaidia?
R: Ndio kama hiyo shida ya makato kwasababu mimi ilikuwa inakatwa kidogo kidogo ilivyokatwa mara ya kwanza nilimwuliza akanambia zitakuja fomu na tutajaza ingawa sijawahi kuzipztz hzo fomu.
M: Sisi ambao tunapata kwa njia ya simu siku ambayo mnakuja kujaza fomu utaratibu uko vipi?
R: tukifika tunatangaziwa na tunaenda kusaini ili kupunguza msongamano.
M: Je? wale wahusika huwa wanafika kwa wakati.
R: Wanafika kwa wakati kabisa.
M: Siku zote huwa mnakubaliana ni saa ngapi mkutane?
R: mwenyekiti huwa anapitishatangazo kuwa malipo yanafanyika saa nne. Lakini wale wa pesa wanachelewa kufika.
M: Sasa mbona mnasema huwa wanawahi kufika?
R: ni kutokana na chamgamoto wanazokutana nazo benki
M: Sasa wanapochelewa nyinyi waga inawaathili vipi?
R: Inatuathiri kwasababu inatumia muda na wakifika wanajulisha kwanini walichelewa na tunawaelewa.
Sisi tuliwauliza wakasema ni matatizo ya pale benki.
M: Je? hawa CMC huwa wanasaidia kutatua matatizo yote unayoweza kuwa nayo?
R: sidhani
Mpaka uwaeleza na hata ukiwambia mpaka wapeleke kwa wahusika na muda mwingine majibu hayaji. tatizo ni kwamba jibu haliji lakini hawa wasaidizi tukonao vizuri sana
M: Je katika swala zima la kuhama hawa CMC walikuwa wanahamasisha?
R: Walituhamasisha sana tena wao ndio walikuwa mstari wa mbele.
M: Labda tunaweza kueleza ni kitu gani walikuwa wanasisitiza?
R: Mimi alijaribu kunambia faida za kujiunga nami nikajiunga
Sababu zao ziko wazi lakini pia kupunguza msongamano.
M: Je? katika mahusiano ya hawa wasaidizi wetu kuna mahari tunahitaji kuboresha au kuongeza?
R: Ndiyo kuna mahari pakuweza kuboresha
Wasaidizi hawana shida ila shida zipo kule wanapopeleka matatizo kwasababu hawarudishi wajibu na hawa wakubwa wamebweteka na kusahau chini.
Na changamoto zinaweza zikawa pande zote mbili upande wa CMC au hata kwa yule mwingine unaweza kuta shida ipo kwa huyu cmc au wale wakubwa.
M: Sasa nini tufanye ili kuboresha hili?
R: Mimi naona wasikae wakategemea sana wasaidizi kwasababu nao ni binadaamu.
M: Je? kuna mahusiano mengine kwa hawa viongozi wa serikali kama mtendaji na wengine wa serikali ya kijiji.
R: Yapo ndiyo
M: Tunaweza kuyaelezea?
R: Mimi ninaushirikiano na vongozi wa kata na huwa wananipigia simu inapotokea kitu chochote kuhusu TASAF bila hata wao kujua, Lakini pia mwenyekiti wa serikali za mtaa huwa anakuja
Lakini pia mimi mwenyekiti huwa ananitumia meseji na pia anasisitiza niwambie na wenzangu
M: Tukiacha masuala ya TASAF Je? hawa viongozi wanaweza kututatulia maswala mengine?
R: Ndiyo
M: Tunaweza kutoa mfano kwamba labda mimi nilikuwa na shida fulani nikatatuliwa?
R: Mimi nilipofiwa zilitokea changamoto kwenye familia ya mume wangu walitaka kuuza lile banda lakini mwenyekiti alinisaidia kwakweli
Mimi nilikuwa na shida na watoto wangu shuleni na nilikuwa natakiwa nipeleke barua shuleni lakini nilivyomwamba mwenyekiti hadi aliipeleka mwenyewe.
M: Mwingine ambaye alipata msaada kutoka kwa viongozi wa serikali labda.
R: Mimi pia mjukuu aikuwa hana cheti cha kuzaliwa wakanisaidia
M: Je? ni vitu gani mngependa viongoz wa serikali wawasaidie?
R: Ningeomba viongozi wa serikali watusaidie maji hii huduma ya pamoja eneo la pale kwetu tuna siku kama ya nane hatujaona maji lakini pia na barabara
M: Mwingine labda, Jmani situnawachaguaga lakini?
R: Nyingine ningeomba pia katika swala la matibabu watusaidie angalau Zahanati, Kwenye kata yetu ya Sakina hatuna huduma muhimu kama shule wala zahanati.
M: Kipengere cha mwisho kinasema mafunzo ya uwezo wwa kifedha, Tafadhari mnaweza kunambia ni njia zipi mnazitumia kujifunza ujuzi mpya au kupata ufahamu kuhusu masuala ya fedha
R: Mimi nimejiunga na vikoba kwahiyo napata ujuzi kupitia vikopa kwasababu wanatufundisha jinsi ya kununua hisa.
M: Wengine jamani?
R: Mimi nimesha enda kwenye semina mbalimbali za huduma za kifedha hususani zinzaohusu ujasilia mali.
M: Hizo semina zinafanywa kwa mtu mmoja mmoja au kwa kikundi?
R: Huwa zinafanywa kwa kikundi au pamoja wanakuja wawezeshaji kutoka vitengo vya fedha na kuelekeza mambo ya kifedha
M: Mwingine jama aliye wahi kuhudhuria?
R: Hakuna hatujawahi
M: Njiaa ya kwa pamoja na kutoa mafunzo wewe unadhani inafaida gani?
R: njia ya kwapamoja ni nzuri kwasababu unapotoka pale kila mmoja anakuwa amehamasika kwasababu mnakuwa mmejifunza kwa pamoja.Nahiyo inatusaidia tunaweza kuungana na kufanya kitu kwa pamoja kwa kutumia ujuzi wetu
M: Mafunzo ya pamoja unahisi ina hasara zozote zile?
R: Changamoto zipo kwasababu sio wote wanaelewa hasa hawa akina mama.
M: Kwamfano unapotaka kujifunza kitu kipya huwa unamuliza nani au unamwona nani?
R: Kwenye vikundi vya vikoba kunakuwa na viongozi na huwa wamepitia kwenye mafunzo.
M: Tukiach viongozi ni watu gani huwa tunawaangalia?
R: Mtu yeyote anayekuwa mwepesi kugundua lipi zuri lipi baya.
M: Je? ni nani mshauri wako katika maswala ya kifedha huwa unamwamini sana na kwanini unamwamini?
R: Mimi huwa nawamini watoto wangu wakuwa nimeasomesha na tiar wana upeo
M: Mwingine?
R: Mimi namwamini sana kijana wangu pamoja na mama yangu kwasababu tunafanya mengi sana na ninaheshimu mawzo yangu.
M: Mwingie jamani?
R: Mimi nawamini sana watoto kwasababu ndio watu wa karibu.
M: Je? tukipata fursa ya kufundishwa maswala ya kifedha ni vitu gani ungetaka ufundishwe
R: Mimi ningependa kufundishwa mamb ya kuweka akiba na mikopo.
M: Mwingine jamani, anayetaka kupewa msaada wa elimu ya matumizi ya fedha.
R: Ningependa wanifundishe jinsi ya kuweka na kutumia akiba.
Hata mimi elimu ya kuweka na kutumia akiba na kuzingatia
M: Mwingine angependa kupata nini?
R: Kwamfano kama sisi kwenye kikundi chetu huwa tuna kauli mbiu inayosema kuwa weka akiba kwa malengo kwa hiyo huwezi fanya chochote bila malengo.
M: Mmesema mngehitaji mpate mafunz je mngependa hayo mafunzo yafanyike wapi?
R: Sisi tunapenda mafunzo yafamike kwenye kata ingawa hatuwezi kujua wakufunzi watalichukuliaje
M: Kama ikitokea hizo elimu zikatolewa ungependa ahudurie nani na nani?
R: Ningependa kuhudhuria na wanakikundi wa TASAF.
M: Ungependa mafunzo ya mmoja au ya kikundi?
R: Ningependa ya kikundi?
M: Kwanini?
R: Kwasababu inasaidia kubadilishana mawazo na mshikamano
Inaleta upendo na maelewano
M: Nani mwingine ambaye angetaka mafunzo yafanyike kwa njia ya kikundi na kwanini?
R: Kwasababu inaweza saidia hata kufundishana kinachonishinda anajibu mwingine.
M: Mwish kabisa ninaomba nipate maoni yenu kwamba labda kuna kitu ulitegemea kukisikia hapa lakini hujakisikia na unataka nikiwakilishe sasa huu ndio muda wenu, Karibu.
R: Mimi maoni yangu haswa nataka tupate hiyo elimu ndiyo itatusaidia. Lakini pia nakushukuru kwa niama ya wenzangu kwasababu hii nayo pia ni elimu tosha na isiishie hapa iwe ni endelevu. kesho na kesh kutwa ukikaa ujue kuwa tunaomba swala la elimu lakini pia watu wa TASAF watembelee vikundi vyetu wasiishie kutuma hela tu maana elimu ni muhimu.
M: Mwingine angehitaji kutoa maoni gani?
R: Kwasababu umesema haya tunayoyaongelea unayapeleka basi wambie watu wa TASAF kuwa watu wanakatwa hela na hata kama kuna makato watu wapewe taarifa kabla ya mmakato
M: Mwingine jamani hii ndio fursa jamani ya kutoa mawazo yenu.
R: Sisi tunashukuru na asante kwa kutuita na umetuelimisha sana
M: Na mimi basi nichukue nafasi hii kuwashukuru kwa muda wenu ambao tumeutumia tuliokuwepo hapa mmeonyesha uvumilivu wa hali ya juu sana kwahiyo nasema ahsante na niwatakie kazi njema.
[Wanaagana]
R: Sema mimi nilikuwa na shida naomba tu unipe namba ya simu.
M: Haina shida tutabadilishana. Asanteni
Translation - Swahili M: So you still endure?
R: Yes, what are you going to do, instead of suffering with your reply and quarreling with you it is better I endure on my own.
If you go and ask, he/she will tell you that money was deducted, if your child has finished school and if your child doesn’t attend the clinic they deduct some money.
M: Did they tell you that, and were you satisfied?
R: They told me the same also.
I have never asked but those who ask sometimes they come with answers which discourage you to ask.
I have never been deducted any money.
But until now we still don’t know if those deductions are true or it’s just some answers that they put those money into children school fund. We still don’t have efficient answers.
M: Someone said that they provide an insurance, is there anyone with insurance here?
R: We do have insurance but it’s not through TASAF.
M: Am asking the one through TASAF.
R: You pay your own money to get insurance.
I have got insurance through TASAF’s money but they didn’t deduct my money.
The problem is that we don’t know where they take our deducted money. Sometimes the amount changes from one month to another and still no explanation, even if you come with statement of receipt its shows the same.
M: May be at the beginning they gave some procedure that the amount will be reduced sometimes due to some reasons.
R: No [They all reply] There is old people also and they have been deducted their money for quite long time.
In short there is no answer and they didn’t give us information.
No place to express all these.
M: This is the right place to express your problems.
R: Our problems should reach to the right place.
May be I should express myself, I was receiving forty thousand and if you compare with the life situation and am still alone its really helped me, its reach a time you make your own plans with TASAF’s money but later on you receive insufficient money then it’s really disappointing.
Also when it reaches a time to receive money they have to be punctual, instead of waiting for the money which you don’t know when it will arrive.
In addition to this challenge for those who receive their money through M-Pesa we get it within a day but for those who take their money at the office instead of receiving the day after sometime they can wait even a month.
Also for us who receive money through mobile phones we don’t have worries but our fellows who questions until now they still put us in distress.
M: So what are you trying to tell them?
R: We don’t know but they have to wait. Sometime I make a call to the Leaders and they say will send, but I tell them when they send money to us they should not take long because people are asking.
Also there are other people who wrote their number but still no money has been sent. I have friend of mine whom we wrote together our numbers but still he hasn’t received the money.
M: Have you tried to ask why people who wrote their number didn’t receive the money?
R: I have never asked that since it’s not my problem.
M: That’s ok, but he is your fellow?
R: I advice him to ask, he was told that they still registering them and it takes time and they still complains and ask questions.
M: We were talking about payment section of TASAF, we came across a person who receives the payment through mobile phone,before receiving TASAF money through mobile phone, have you received any financial services through your mobile?
R: Yes
M: Which service did you use?
R: Deposit and withdrawing money.
M: Did you start using mobile money services after TASAF payment or before that?
R: Since long time ago.
M: Which service did you use?
R: I have been using for M-Pesa also we have small financial group where by members use their mobile phones to pay their fees or reinstate.
M: Happy?
R: I have been using M-Pesa services for a long time because my husband has been travelling a lot so he was sending some money through M-Pesa.
M: How about you?
R: Also I have been using it since long time ago because sometime i get sick and call people then they send me some money through M-Pesa.
M: How about you Mother, did you start using it before or after TASAF started to use this mobile system?
R: No, I have been using it since way back.
M: Which service did you use?
R: Sometime if I don’t have money to buy food I was calling my children and they send me some money.
M: And you?
R: Even me, sometime my children have been sending me some money though I started using it not long ago.
M: How about you Old man?
R: It’s very long ago.
I have been using it for quite long time to send and receive money until TASAF started.
M: I would like to know the reasons why did you transfer to mobile phone services?
R: People from TASAF came here to provide seminar, but I have been busy with my daily routine and sometime I have to leave my identity card to my fellow but since they introduce M-Pesa am happy because I get my money.
M: Anyone with a reason of using mobile service?
R: Am busy and standing on a queue is very difficult for me but through M-Pesa I can get my money very easy and withdraw it then on my own time. I can come and sign.
I think it is a better way because you can get your money and withdraw anytime you want to.
M: How about you, why did you move?
R: They instructed us and we realize it was a good system and very easy to receive money.
M: So most of you were persuaded by employees from TASAF?
R: Yes, it’s true and you will get your money anywhere.
M: Apart from the enticement of TASAF employee is there any other reason?
R: For me it’s because am busy with my daily activities and I got very few time so after getting the seminar it was helpful for me.
M: Is there any other reason may be because of availability of mobile phone agents then you decided to join?
R: That is one of reasons also.
May be I didn’t mention it because sometime I use it when am at work.
M: It doesn’t matter the place which you are using it, any other reasons which persuade to move into mobile money payment system?
R: That’s true we didn’t talk about it but we are very close with mobile agents service.
M: Any other reason.
R: For me falling on a queue it’s a disturbance.
This service which they introduce through mobile phones is good because you will get your money apart from the other system whereby if you’re not available on the payment day then your money is going to be returned back and you don’t know where to ask.
M: You were supposed to ask that question, did you ask them?
R: We asked
M: What was the response?
R: They said if you are not available on payment day don’t bring your complains to them.
They say if you unavailable then you won’t get money until the next phase. Even if they transfer it to the bank still some people they don’t remember their password.
But this mobile money system is good for us because you get your money on time. The only problem here is we don’t know where they are taking our deduction money. It’s still good because you can keep your money as long as you like.
M: We have experience on receiving money through mobile phones since 4 August, I would like everyone to share the experience.
R: Experience on how?
M: Those payments through mobile phone until now.
R: Am used to it now because we receive from TASAF after every month, so after a month am paying special attention because I know any time money will come [they laugh]
M: Which advantages did you get through this mobile phone payment system?
R: One of the advantages is that I can get my money even if am not around.
M: Another one?
R: It helps to get money without falling in queue.
M: Another advantage.
R: Sometime I need money and when I look at my balance i found some money, am very happy.
M: You are saying there so many advantages, try to mention it.
R: If you get the money then you can buy a book for your child.
It also helps me when I was sick that is one of advantage.
M: Now we focus on receiving money through mobile phones.
R: It helps me to get my money without standing on queue because according to my religion am not allowed to go out.
M: Is there any damage in using this mobile money system?
R: You will get less money because when you withdraw through M-Pesa they deduct some money.
M: Anyone with damage by using mobile money system?
R: Same loss
M: Everyone with the same loss?
R: No, I don’t have that loss because they send extra money for withdrawing charges.
So I don’t find any loss on this system.
M: Apart from receiving money from TASAF through your phones, what are the other things you do with your phones?
R: We use it for personal issues like communication.
M: another one, we almost finishing here.
R: Mostly this phone helps us to meet with you that are one of the significance of it.
M: How many times do you use mobile phone money service for TASAF payment or you use it for other financial transactions.
Its like am asking the same question.
R: We do a lot of transactions [They all reply]
We use for m-pesa and other financial transactions because sometime you can do business.
M: When you receive money from TASAF through your phones, do you withdraw it within a day or you just use it little by little? I need answers from each one of you.
R: For example I withdraw all the money at once in order to reduce deduction fee.
M: Another?
R: I withdraw all the money.
Me too.
M: We all withdraw the money after receiving it?
R: We withdraw all the money to avoid deduction fee and to buy our home basic needs.
When you receive a payment text from TASAF then you alert your fellows. [They laugh]
But to withdraw money is your right you can do as you wish.
M: You almost withdraw all your money at the same time, right?
R: In order to reduce cost.
M: Do we keep any savings from the TASAF money?
R: Yes, you must keep savings.
For me, I don’t keep any savings
M: Why we keep savings?
R: You can receive the money and keep it until the needs arise then you can withdraw it.
M: So it’s not true that a moment you receive it then you withdraw at the same time.
R: No [They laugh]
I can keep my money even for three months knowing that I have a savings.
M: When we keep our savings does it includes the previously month payment?
R: I can’t withdraw my money at the same time, I just leave it there.
But for my side I have never kept my money until the next month of payment.
M: I will ask again, do we possess a mobile phones and SIM card which we use for TASAF payment?
R: Yes [They all reply]
M: So all the SIM cards have registered with your names?
R: Yes, our names and our numbers.
M: The issue of withdrawing money we have seen some of you sending your grandchildren or children to do it on your behalf.
R: Sometime when am tired I send my child.
I withdraw it myself.
For me the agent does i it on my behalf.
M: Let’s talk about those who sends other people on behalf, why do you think about it?
R: May be am sick and my children are there and I trust them I can ask them to withdraw my money.
M: Why do you send you grandchildren to withdraw your money?
R: Am used to it and not only TASAF money even the other monies.
M: Why are you sending him?
R: Because I trust him very much.
M: We do trust those people whom we send to withdraw our money. Is there any problem ever happened?
R: Never happened for me.
M: Do you go together with them to the agents or you just sit at home and wait for them.
R: I just give her my phone and she went to withdraw it.
My children are very grown up so they do understand what to do.
M: Does your grandchild know your password or you just give it to an agent.
R: He knows it.
M: Have we ever lost our money through this process?
R: No, I have never lost money even a single day.
I was supposed to be the first one to lose because I am too lazy with the phone.
M: Foe example someone wants to assist you on how to withdraw money, which help do you need most?
R: I will need to know how to withdraw money by myself.
M: For example sister here why do you trust an agent to withdraw your money?
R: Because I don’t know how to write.
M: Can you tell us what happens when you went to withdraw money from your mobile phone?
R: When I reach there I tell the agent to withdraw some money, next he asks how much, if he told me to write the numbers I tell him that I can’t, in that case he take my phone and write the numbers.
M: Who write the password?
R: I write myself.
M: You write down your password on the phone, so how much do you trust that agent?
R: I trust him because he has never stolen from me even a single day.
M: Do you find very easy those agents at your place?
R: Yes, they are available all the time [They all reply]
All the time except from 11 hours in the night.
Sometimes the only problem is network.
M: Can you mention which agents are available?
R: We rely much on Abdallah.
M: I mean network agents which are available.
R: Voda, Tigo, Airtel, mostly I use voda only and tigo but not much.
M: Any problemss you facing from those agents?
R: No, there are no problems.
M: I would like to know if you ever lost your SIM card.
R: No, never happened.
I lost my SIM card because they steal my phone in the bus and that SIM card was the one I use for M-Pesa. Since I have my identity card I went to vodashop and they renewed my SIM card and my money also.
M: Since you lost your phone how did it affect your payment from TASAF?
R: It didn’t affect anything because I lost it the moment were I was not expecting any payment from TASAF and I didn’t take much time to renew my SIM card.
M: I see some people have started to dose, I will go quickly.
R: No, we are together
M: Let’s proceed, after that incident what happened next?
R: I went to renew my SIM card and when TASAF send their money I took it as usual.
M: I would like to talk about the cooperation between you and other associations like TASAF, CMC and other social leaders. Tell me how other social members consider you as a TASAF beneficiary?
R: Most of the people they ask and wish to be like me.
M: Do you think why they want to be like you?
R: Because they want to get what I get from TASAF.
M: Anyone?
R: I remember when they were registering the names I wasn’t at home, but my child registered my name, but there are some neighbors who denied to register their names because they were tired of register their names. But when we started to receive money they were feeling jealous for us.
M: How do you feel to be in this program?
R: I feel like am rich [they laugh], and am very happy to be on this program, am feeling lucky for my name to be back on this program because other names have been cancelled.
M: How about other fellows, how you feel?
R: Am very happy to be beneficiary of TASAF because it helps me and my children.
M: So now can you stand in front of the people and explain that your TASAF’s beneficiaries?
R: Yes, we can [they emphasize].
It is possible the most important thing is people should attend those gathering. I always attend the meetings summoned by our social leaders. We must thank Yahya’s father because he was leading us in our group. When TASAF came they called all of us to attend a seminar two times and they insist that they want poor household, Yahya’s father cooperated very much and we came to know him more
M: Let’s take a look on TASAF’s employees whom cooperate with us. I would like to know if there is any interference between the employees and you.
R: There is intervene because I was sick and but my fellow colleague helped me to speak.
M: Is there any intervene between beneficiaries?
R: Yes we have it.
M: Can you explain it.
R: If there is no intervene then we wouldn’t be here today.
M: Let’s say we have our own problems and we want to meet these TASAF’s leader, how many times do we succeed to meet them?
R: We are afraid.
It’s not like am afraid of them since we got our money through mobile phones; maybe there is a meeting to exchange ideas.
M: When you are having a problem do you meet with TASAF’s employee to express your issues?
R: I have never experienced a problem to the extent that I have to look for them.
Do you even ask them questions at that moment they come to pay your money?
R: For those who receive money through our mobile phones we don’t get a chance to meet them may be our fellows who experience delay of their payment they can tell them though there is no reply.
M: But still there are people who have problems here and they don’t want to ask?
R: Most of the people are afraid because they respond very different and no assurance.
M: So when TASAF came here do they elaborate anything?
R: Mostly they talk about TASAF how it is helpful to the beneficiaries.
M: Apart from that?
R: They have reduced some people.
M: Apart from that what do they also talk about?
R: Health insurance.
Also they advice us on putting our money on small business, because it will reach a time we won’t get this money anymore
M: What do they talk about health insurance?
R: We should use our money for health insurance.
M: Do they register that health insurance?
R: Yes, they deduct it at the same time
You must pay your own money.
M: You must pay twelve thousand in order to get insurance.
R: TASAF brought some people to motivate us on insurance.
You must follow all the procedures of insurance and you will get it very fast.
If you paid money for insurance you must follow up to the office they bring it at home.
M: How about moving into mobile phones payment system do they insist about it?
R: They mostly insist [They all reply]
Because we attend the meetings and they insist on the importance of using mobile phones and TASAF.
M: Do we afraid of TASAF employees or consider them friend?
R: We afraid of them [Someone replies].
Am not afraid of them.
M: Why you’re so anxious about them?
R: Because I have explained my problems and still no solution.
M: Others?
R: Am not afraid and if I have anything I just tell them.
M: Anyone who is worried about them?
R: Am not afraid I just wanted to ask if a child from poor family finished form four studies do they still support him for further studies or just abandon him?.
M: There is CMC, do we know our CMC?
R: I have never seen him.
CMC is like a chairperson.
M: These are assistant who mostly live with us, for example father Adam.
R: We know Father Adam.
M: He is a CMC of TASAF and he knows about you and your home places.
R: We know them, Witie is one of them.
Witie came this time but previously was not around.
Witie was still here since they introduce TASA.
She wasn’t there at that time; she only came through this phase.
[They try to clear misunderstand about Witie]
M: Do we have a good relationship with our CMC who came during the payment and announce your name?
R: Yes, we are in good terms.
They don’t have problems.
M: Can we explain what do they do during payment session?
R: Before I started using my phone to receive money they come along and give information to us.
M: During Witie period is there any problem you faced and explained it to her?
R: Yes, I asked her about deduction because my money was deducted and she told me that I will have to fill some forms which never came.
M: Those who receive through mobile phones what are the procedures when you arrive to fill those forms?
R: When we arrive they announce and we go fill the forms to lessen jam.
M: Do they arrive at the right time?
R: Yes, they arrive at the right time.
M: At what time do you always meet?
R: Always chairperson announces that payment will start at 10am but TASAF people they delay.
M: So why are saying they are on time?
R: Mostly because of some problems they are facing at the bank.
M: If they are late, how does this affects you?
R: Its affects us because we spend time and when they arrive they explain why they are late and we do understand them.
We asked them and they said it’s a bank problems.
M: Does this CMC help you to sort out the problems?
R: I don’t think.
You must tell CMC your problems and then he has to pass it through to the other part and sometime there is no response, but we are doing well with our CMC.
M: Did CMC encourage you to move into using mobile phones?
R: They real motivate us on using mobile phones.
M: Can we explain specifically what did him motivate you?
R: He explained to me the importance of it then I started using it.
The reasons are very obvious but also to reduce jam.
M: Is there anything needs to be improved for our CMC?
R: Yes, there is somewhere needs to be improved.
CMC doesn’t have any problems the only problem here is the people at the high level who don’t respond to our problems.
Challenges can be in both sides either CMC or people at the high level.
M: So what do we do to improve this?
R: I think they should not depend much on CMC because they are also human being with their flaws.
M: Do you have any relations with local government leaders?
R: Yes.
M: Can you explain?
R: I have good understanding with my ward lead and he calls me in case of any concerning with TASAF even our chairperson also pay a visit.
Also the chairperson sends me some text and he insists me to inform my colleague.
M: Apart from TASAF issues do they solve your other problems?
R: Yes
M: Can anyone share his/her experience about it?
R: When my husband passed away a lot of problems rise up, his family wanted to sell the house but he was the chairperson who helped me.
I was supposed to send a letter at school for my children but chairperson helped me by sending it himself.
M: Anyone who got a help from our local leaders?
R: My grandchild didn’t have a birth certificate and they helped me.
M: What do you want these leaders to help you?
R: We need water services it’s almost eight days without water, also we need good roads.
M: Anyone, do we vote for them?
R: I would like to mention heath facilities like dispensary, at Sakina ward we don’t have school even dispensary.
M: Our last section is about training on financial matters, can you tell me which ways do you use to get new knowledge about finance?
R: I joined a small financial group where I learnt about buying share.
M: How about others?
R: I have attended different seminars concerned with financial service especially entrepreneurship.
M: Those seminars are organized for one person or group of people.
R: It always conducted with a group of people and sometimes they invite people from financial institutions.
M: Anyone who ever attended a seminar?
R: No one.
M: What do you think is the importance of coming together and learning?
R: It’s a good way because we learn together and we can do something good by using our skills and knowledge.
M: Is there any weakness of group learning?
R: There is still a challenge because not all the people understand especially women.
M: For example if you want to learn anything new, whom do you ask?
R: In our small financial group we have leaders who have pass through trainings.
M: Apart from leaders is there any other person?
R: Anyone who is capable of knowing what is good or bad.
M: Who is your financial advisor, do you trust him and why do you trust him?
R: I trust my children because they are educated and wise.
M: Another one?
R: I trust my son and my mother because we do a lot and I respect my decisions.
M: Anyone?
R: I trust my children because are the ones who are very close to me.
M: If you got a chance to learn about finance, what would you like learn?
R: I would like to learn about savings and loans.
M: Anyone who needs to be educated about finance?
R: I want to learn about savings.
Also I would love to learn about savings.
M: What else would like to know?
R: For example in our group we have our motto which state that”savings goes with a plan” so you can’t do anything without plans.
M: You all like to have trainings, so where do you like this trainings to be held?
R: We would like it to happen at ward level although we don’t how the instructor will respond.
M: If it happens whom would you attend with to the trainings?
R: I would like to attend with fellow TASAF members.
M: Would you like seminar in single person or group?
R: I would like in group.
M: Why?
R: It helps to exchange ideas and create bond.
It involves love and understanding.
M: Who else wants trainings to be in group and why?
R: Because it helps to educate each other.
M: Lastly is there anything you expected to hear from us but you didn’t and you would like me to report it now it’s your time to speak out. You welcome
R: My advice is that we need that education which will help us, also on behalf of my colleague I would like to thank you because this also is part of education and should proceed not only for today. We need education and TASAF must pay a visit to our group because apart from money we also need knowledge which is more vital.
M: Anyone who would like to add an opinion?
R: Tell TASAF that our money is being deducted and there are no any explanations about it. If there is any deduction they must inform us.
M: Anyone, this is your only chance to give your opinions.
R: We real thank you for calling and give us some knowledge. You have enlightened us.
M: I would like to thank you for your time and patience. I say thank you and have a good day.
[Exchange farewells]
R: Can I have your number
M: I will give it you. Thank you
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Bachelor's degree - University of Dodoma
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Years of experience: 10. Registered at ProZ.com: Jul 2012.
I am Swahili Linguist with embedded skills in Translation, Transcription,Editing and research. I translate from Swahili language to English language and from English language to Swahili.