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Elimu ya Hisa, Hati Fungani, Uwekezaji · MAELEZO PODCASTS

• 0:02
  SPEAKER_02: Wana siku kad Zelizo Pita Mini kwana zungumza na Mshkadjuang Modia ieni sasahivi wana jita mafisa ubashiri.
• 0:10
  SPEAKER_02: Mafisa ubashiri ni yawa tombawa wana wana se ma kubeti wenye siki swahini fasaha lakini ni nenenom bal noweza kulielewa kwaharaka zaini.
• 0:20
  SPEAKER_02: Akanambia mimi ni kotayari nibeti lakini siku twa pesa yanggu kuekeza konyehisa.
• 0:26
  SPEAKER_02: Nikama kamari hib.
• 0:28
  SPEAKER_02: Aki sahawa u kwomba lacho kifanya niu kamare.
• 0:31
  SPEAKER_02: Lakini yuko bideda mgina bana kmbia mibora nicheze mchezo.
• 0:35
  SPEAKER_02: E wa mbada mdeflani mtu anatoka kuliko niekeze pesa zangu konyehisa.
• 0:40
  SPEAKER_02: Kwa sabu hisa ni utapeli.
• 0:42
  SPEAKER_02: Sasa aka sikika mtumoja kasema kwamba hawa faham mutu kwamba hisa, na ito načio kififania, nicho na chio kififania ndio kamari na ndio wakatiflan ni rahisi, kukutana na utapeli, kuliko, kuwekeza, konyehisa, kwaivoni, vice versa vilan bavio atona eleona.
• 0:59
  SPEAKER_02: Sasahivi, kunatarehe zikifika, kwfano uh mwakahu, kunatarehi flan zilikwa marufu sana tona kwambia, ni tarechen zuri sana kwa wanahisa na vitu kamahivi, sasa, nikauna iswe tabu, kupite malezu podcast, tu mwalike mtalamu uwa masulaya feather, melakini pia mtalamu, uh, kwajili ambaye amebobea, konyo pande wa elimi ya feather, ma masoko ya feather, pamojena uwekezaj, to konai hapa tazunggumza vitu vingi kwali kweli brother.
• 1:31
  SPEAKER_02: Karibi sana.
• 1:32
  SPEAKER_02: Sisi uso hili tunaitona brother, de na wanasema ata kitokye ni ni ni sista nanini konye kingereza kuna sististerhood, wodu nasema tuni brotherhood, sansa, sans.
• 1:44
  SPEAKER_02: Mtanzanya sa savipe na tamani sana faha mutu na zunggumza nanani amatuko nanani taibi.
• 1:49
  SPEAKER_01: Sa, sansana minetua imani muhingo, ni menege mwanda mizi, wamasoko mitaji, kitengo chamasoko mitaji, siara debi bank, plc, umy sieradibina judikana kwa kama commercial bank, traditionali ni benki, kaziya benki ni kuchkua, a mana, na kutuwa miko.
• 2:09
  SPEAKER_01: A kine sa siara debi kaumune meji pambano konye vitu vinki, uduma za kife nyingi sana sevina twa e la twa bima, yato oduma nyinki, sasaikyomu modiaapu, mikitengo chamasu kwa metajina dmana, manake se adibia na leseni, sasaivinu benki peke ny leseni, yaku, watu kwaza kununu wahisa na tifungani, awu lesene mboi kooperation, watu kwaza kunuwahisa na tifungani kwenye sokasa daislam la kinepia, u na shawit na shaurita assisy mboznataku.
• 2:36
  SPEAKER_01: Deza taftam tadji.
• 2:37
  SPEAKER_01: Hm nja ide kawida nabenku kma benku twa mi kopo, kuna bekuch kwam kopo, ku naboznataku chwom tadilabwa hisa, hatifungani inabitu vingine, abovo tufautina ila traditional banking.
• 2:48
  SPEAKER_01: Na usi ya dibituna, tuna facilitate koychu kitengo do minikua bona kyanga.
• 2:53
  SPEAKER_02: Nekuti z kidogo.
• 2:54
  SPEAKER_02: Nyambbiya.
• 2:55
  SPEAKER_02: A tumaku tukiona kumbelea tasisi kava, makampuni kava mbeleake kuna PLC.
• 3:00
  SPEAKER_02: Nasma badala nini.
• 3:02
  SPEAKER_02: Bieni public limited campany.
• 3:04
  SPEAKER_01: Ni kampuniya wuma.
• 3:05
  SPEAKER_02: Tofauti na uhuni nyingine bienye na kuna tofauti geni.
• 3:09
  SPEAKER_02: Tofa uti mwja kubua.
• 3:11
  SPEAKER_01: Ni kwamba PLC na share orders ideam sin.
• 3:15
  SPEAKER_01: E ningine na kwa na share orders less than fifty.
• 3:17
  SPEAKER_01: Kwa kama wwamiliki, ksawa miliki kwa definition, kwa shereya, wwakshakwa miliki z ideam sin tali woni wuma.
• 3:24
  SPEAKER_01: Sio wa tu tenasio ikitu private yo tali ni umuma.
• 3:28
  SPEAKER_01: A kini shereye zake na fwwana sheria tfauti kama publish number na yinsi ku hold mi kutanels mwa kwa na mkutanu wa mwakas.
• 3:36
  SPEAKER_01: Dani, nania mizika da tangwa me mwaka umufung kwa na vituka ma ygula kini kwa ra karak, ni u miliki wa kampuni za idea wa tuwamsini kosiya dibina mikio zai naza idea wa tuam sini.
• 3:46
  SPEAKER_02: Sisi ndivan babu tuna yanza milezo podcast.
• 3:49
  SPEAKER_02: Yapa tuko huru kujifunza chyochote ani uyote takeka hapana weza kutupe elim muyeyote le.
• 3:54
  SPEAKER_02: Ndivenbabu tu meza mazungumzoyetu na brother imani kutoka C R D B.
• 3:59
  SPEAKER_02: Twanze kugusa hisa.
• 4:02
  SPEAKER_02: Deni mimi leo hini kisikia hisa mamtanzaniye leohi akisikia hisa hisa ni nini la kini pia mtokyona uhisa na kwana miliki nini hasa.
• 4:12
  SPEAKER_01: Nkupe stori kidogwe afu.
• 4:14
  SPEAKER_01: Nekumbusha yosuali n shek patan yukofsi ni skumoja ka jamteye.
• 4:17
  SPEAKER_01: A kanuze swa yubona misbi tu chote nambonyeze hisa ni nini.
• 4:21
  SPEAKER_01: Nika wongea kama de kai shirini saivine eliza tu hisafa ydazake na ftukama eviu.
• 4:26
  SPEAKER_01: Bada wumdaka sema sasa kang wungku mi nipa yo isani me shika hapa.
• 4:31
  SPEAKER_01: Na yangaviya yvykatu naonge apu ngene sa ia sa na nombo nipe yo isani ishike.
• 4:36
  SPEAKER_01: Kwaye.
• 4:36
  SPEAKER_01: Asori wonjze ninga kubuka.
• 4:39
  SPEAKER_01: Lakini kifupi kisa ni umiliki, wabiashara u kampuni.
• 4:44
  SPEAKER_01: Kifupi isani umiliki, yina represent sem ya umiliki wabiashara, aw kampuni, na kwafono rivoturiam fano kunaatu, wwanauna kama kwe keza kwyanye isani mi kamaya kinenda kwa kwenda kubeti, wene doktamtu na miliki biashara.
• 4:58
  SPEAKER_01: Koitali na miliki hisa.
• 5:00
  SPEAKER_01: Lakini ba stu na sema aju tu kama na milikisa uwawa mezhinu kzufa utisha.
• 5:04
  SPEAKER_01: Lakini hisa ni umiliki, wuna represent u miliki, wwabyashara, aw kampuni.
• 5:08
  SPEAKER_01: Uki skemtu na miliki kampuni.
• 5:11
  SPEAKER_01: Yoyote, ile kampunya na miliki hisa zayo kampuni ymbozi na tengenezawa kunyu sajili, kamtu najuu tatibu ktangeza kampunya nda brela, kwa tanzanyon nendabrela, u napeleka, umi katibaya kampuni, mema memat, memoranda bo articoset association.
• 5:27
  SPEAKER_01: Uki peleka eleka inany ina elezea malengwa ile kampunia tafanyanini, inalezea utara tibu itakafiongozawa ntama katiba ire kampunu ta yongoza vipi tuta kwana mikutano, tuta kwana body, ina ounesha na board members mw mwanzo, awu shareholders wana omili kampunu ya wmuanzu.
• 5:43
  SPEAKER_01: Waali wana andikuwa pale wana ekewa, wanaku ytakuna miliki sa ezi na miliki sa ezea mliki sa izi.
• 5:48
  SPEAKER_01: Alafu ina wniesha kampunio ina hisa ngapi zote zina kwaku ye yo, katiba ya kampun, ku katia hizi turizo sema.
• 5:55
  SPEAKER_01: Ha wa yyotu wata ya powa miliki sa ezi, sa ezi sazi apu no mesajili kampun, kokunapwana watwa wana miliki sa.
• 6:01
  SPEAKER_01: Kwa hisa nyu miliki, ki la isisa niu miliki twa kampoon.
• 6:05
  SPEAKER_02: Wanake ikitokea ta kampuna milikiwa na mtu mojia putuna sema yene miliki, aw mona hisa, kwa sili mye miyamoji.
• 6:13
  SPEAKER_01: Kwa sibiye miamojje.
• 6:14
  SPEAKER_01: Sasa kwa sheria yetuya, I think nkampany's act, kita kutengeneza kampunia biashara, operation yote, ues kwa pekeakwa.
• 6:23
  SPEAKER_01: Lazma mwya atlistu wawiri.
• 6:24
  SPEAKER_01: Kunaatu na tengeza kampuni noktana twa sinietna tisa na eo mojia mim pamtu munginea ba mtugwiake, mtotu ak mamaki ukivi, sheria, ko kwa sheria lazma mwe atlistu wawiri.
• 6:35
  SPEAKER_01: Kuna kampunia mbazo kama so proprietashi puneza ktengeneza mojoje kine aznakwa, haziwi kategorized vile vile kama kampuni ya teme koparation.
• 6:44
  SPEAKER_01: Awuka akording to kapany zak.
• 6:46
  SPEAKER_01: Kuna kwana tfauti.
• 6:47
  SPEAKER_01: Uko kampuni yo tamb kwafoneza kara u shoko nsokwa isa lazma kwaenatle shareholders wawii.
• 6:52
  SPEAKER_01: Yea, the idea still stands.
• 6:53
  SPEAKER_01: Akiwa moje, manaki nabilikia siri miya, miya.
• 6:58
  SPEAKER_01: Yea yo kampuni.
• 6:59
  SPEAKER_02: Wara, ndifam babu tumenza mazunggumze tuna imani mhingo kutoka sierra dibi, tuna zungumziya ku siena na hisa.
• 7:06
  SPEAKER_02: Watuna u nazungumza pa kuhusu hisa, nika kumbuka kuna nenu lakiswahili huo tuna lisikia marakomara, ambalo huwali na enda sambamba, eni ukiona hise metamko ba sidiwa bada maneno ishirini, amakumi, amada kika kava bada, tuta lisikia pia.
• 7:23
  SPEAKER_02: Hisa, hatifungani, tofautiakeni nin.
• 7:26
  SPEAKER_01: Atifungani wwana ni mkkopo.
• 7:29
  SPEAKER_01: Basikadina nkopopo.
• 7:31
  SPEAKER_01: Wa yoko n'tunfuemkiye wwan semana semwa wana sisisuatu wa wok sector, a uko nya finance, awko nya maswala kapitomati wachum.
• 7:38
  SPEAKER_01: Tuna pena kutuyewa male magumbo sabiaki kutian duna jestifay wokuni dipa fi, na kuchanganya gilob, kwa stia bond, fixed income security nanini lakini, vitu viote vive viku kategorized kwenye komponent mbiri.
• 7:50
  SPEAKER_01: Mtaji mkopo, bas.
• 7:52
  SPEAKER_01: Mtaji niwa kwako, mkopo niwa, umechwwaya watu tairudisha, komazingira flan.
• 7:58
  SPEAKER_01: Kobo hi attifungani kwa ngereza nibon mkopo.
• 8:02
  SPEAKER_01: Tofautiak ni kompani mkopo mbomu mechurio tko kwa wuma.
• 8:06
  SPEAKER_01: Afu amepokea insta uh amepokea tasisi moja.
• 8:10
  SPEAKER_01: Awserikari mepokea.
• 8:12
  SPEAKER_01: Wakati mdogo nliko na skia swi kwa liskia komebona mtoftak se muri jemata jiri naya.
• 8:17
  SPEAKER_01: Maske ugye man nay napakani dai serikari.
• 8:21
  SPEAKER_01: Yenu shoe kuiskia.
• 8:23
  SPEAKER_01: Unaitaji milionimoj tu kui dai serikari.
• 8:26
  SPEAKER_01: Million ni moja tu.
• 8:27
  SPEAKER_01: Unaitaji kui dai serikari.
• 8:28
  SPEAKER_01: Koses andoizo, hadtifungan.
• 8:30
  SPEAKER_01: Kawida kaida uki toka sa ewenezo kwenda benki, bachu kwam kopu.
• 8:34
  SPEAKER_01: Ina kwani kati awewe, nabenki.
• 8:36
  SPEAKER_02: Banki ndu na kuena kudai.
• 8:38
  SPEAKER_01: Banki napwena kudai.
• 8:39
  SPEAKER_01: Uneza ukatoka paw sasakama mtu, pakama individuo uka kopa, onezo katoka pakama tasisi, uka kopa.
• 8:46
  SPEAKER_01: Naizoen kateburi mbri tfauta ta ukenda benki nyingu tatri utab, uta semu uta pokokele wana vitenko vi t fauti.
• 8:52
  SPEAKER_01: Lakini ni moje kwa moja li bilatero.
• 8:55
  SPEAKER_01: Wewe na benki ya u kampunya ku na benki.
• 8:57
  SPEAKER_01: To fauti ya easia tifungani ni kwamba tasisi si moje, yina nenda kwa huma, yna sema bwana mimi tem zangu eziya.
• 9:04
  SPEAKER_01: Ukienda benki nakame zanya, samba mina takam kopa ba ntaka sili miljoni mye.
• 9:08
  SPEAKER_01: I milionimi miya, benki na sema bani mimi miya ta kupaba kwasimia kumi natan.
• 9:13
  SPEAKER_01: A mebwana natakasi mia kumina nemta nego shate palio ta sema bana kwa sa wi na ilabanifanyye benefiti mina da nyumkopo tarudi na vituma.
• 9:20
  SPEAKER_01: Ipakam nafjama kubajanu m nasa nkatabu na chwam kupu waku.
• 9:23
  SPEAKER_01: Kwenye hatifungani ni tasisi simoje nende na sema mimi nataka kukopa ababijoni tan.
• 9:29
  SPEAKER_01: Kwa umuma, kwa uuma sasas.
• 9:31
  SPEAKER_02: Tasisi nataka kukopa kopa kuba umuma ehe.
• 9:33
  SPEAKER_02: Amaserikali nataka kupopa.
• 9:34
  SPEAKER_01: Amaserikaya nata kukopa kwauma.
• 9:36
  SPEAKER_01: Sa mimi nataka bijoni tan.
• 9:38
  SPEAKER_01: I kwenyezi biloni tan, ma shartianguni haiap, itakwa mko miaka lba mitano, nita lipa riba siri miyakumi, alafu, nitakuru dishie z uriba ntakulipa kibada myezi mitato uki labada myezi sita, uki labadaya mwaka, ko yura na ekopanda set zye tems zafana nenda kwa wuma nasema yoyote ane etaka.
• 9:57
  SPEAKER_01: Alete, kwanzia ki wango flane, ntoka sema nataka wa twa na utaga ukopo anze kwwzia miyoni modia, kwanzia la kitano, kwanzia miyoni kumi, ana momonye, pieta asisis.
• 10:06
  SPEAKER_01: Alafu a tuana uipokia sa sa wuma una amua mimi nikian galia ii, inanifa, awaj nify.
• 10:12
  SPEAKER_01: Eh, neki nikiko pa pandenda kwipua simi akumi.
• 10:15
  SPEAKER_01: Kini kunasem na jiuwe bo konfoni kenda kunwa viazi, um twara neka pepeleka singida, nesan kapata faja ekahba sili mia kumi na tana kumina siti.
• 10:22
  SPEAKER_01: Kumtu wana kompia sawa nwa komppana riskia kuna kunawa vjazi mtwara kupeka singida, na iriski a kuwiko pesha ta asisi yw seikari, amputa kulipa ykiki wango komda flani, easy risk mikaj mtuana mwa mye sa sanaweka mgenza kasema pa na yiye ngino wendele misyweki.
• 10:36
  SPEAKER_01: A kini bezikali ni moja anakopa ktoka kuatu wengi.
• 10:40
  SPEAKER_01: Afwaya wongo na kubayana ieli hali wenando nampay lela, anakudya anawalipa, kama adivu advoku bayana wkwenye, kwenye prospectas inatokaga ni walaku mataladio.
• 10:51
  SPEAKER_01: Lazmo utoyu na pekomlaka wenterezem chakatu waku waku yaw sajilizi hatifungani.
• 10:56
  SPEAKER_01: Lakini wuya waraka u kitokamtu akyusoma yen kama kubayana kumba uwumtomesema structure ui umkopu ta kuwa hivi, kwa nategemea, awdi nao vile viliya rivunyambia, na nakwana tegemea le malipura dizieta lambazometa kul.
• 11:10
  SPEAKER_02: Tume gusia hapa kusiana na tofauti.
• 11:13
  SPEAKER_02: Hatifungani uhisa, turudi konye hisa, kili ambacho kimetwekahapa.
• 11:18
  SPEAKER_02: Ntuto natakua fanye nini ili awe mwana mwana hisa.
• 11:22
  SPEAKER_02: Nadua konye hati fungani tapato kati mwunggine naanziya wapi yo milionimoj mesema iri kwida y serikali mata sisu eta jitu kwanzia milionimoje.
• 11:32
  SPEAKER_01: Sa kwaserikali neta jemonjoko tasisi natigena tasis yenye livo.
• 11:35
  SPEAKER_01: Ia fajna shiringega.
• 11:36
  SPEAKER_01: Sisingza ksemwa konzela kimoji, nigenen zagasema kwanzieyefkumi nigenze kasema kwzila kitanu, nate gemeki n kwa serikani de mika, nfiongo viake, ikitahuko uma yenziangala shingi milionimonji.
• 11:48
  SPEAKER_02: Kwenyehisa, natake uni fanyen nini, amanyu na kianzio chya shilinggapi, uh, taiari pengine nina umanyambila bda kyanzio ni shilingi elftano, ama elfkumi, mma kiwa kiaso chote, ambacho utakwa umetopatia, naanziya wwapi na eenda wapi u taratibuni upiliniumona hisa.
• 12:06
  SPEAKER_01: Okay, kwa wunetali wakala o sokola isa.
• 12:10
  SPEAKER_01: Ambaya na lesenia wwakala wa sokulaisa.
• 12:13
  SPEAKER_01: Ambayo lesenya na tole wana mamlaka masokuna metadina dabana, alafu inakudyana prove sokulai sa la deslam.
• 12:20
  SPEAKER_01: Waywa sektta featha bangu nimakilo.
• 12:22
  SPEAKER_01: U sektor feather meglanika kun se m kubwane.
• 12:25
  SPEAKER_01: Ara karaka l sep kubwane, kunabenki.
• 12:28
  SPEAKER_01: A mbondo se m kubu e sekt.
• 12:30
  SPEAKER_01: Ye sekt feather.
• 12:31
  SPEAKER_01: Natani yukiye mga k repoza benki ku kama se niye sabimi, ya mali zizoko yye sektor feather, yemali zizoko kwany ma benki.
• 12:38
  SPEAKER_01: Alafu kuna abima.
• 12:41
  SPEAKER_01: Benki, reguletake nibenki kuwa tanzanyye.
• 12:44
  SPEAKER_01: Kwa sheriyake, yenona regret ma benki, na mabenki apuna include na microfinance institution, se ygana regret nabitu gire kazaka masakos na upande wa pension funds nabitu kamayvi.
• 12:55
  SPEAKER_01: Alafu na kudya bima, mbereguletake ni tira.
• 12:59
  SPEAKER_01: Bima na yna se miake koni sektor afele.
• 13:01
  SPEAKER_01: Afwina kudya masokwa mitajina daman.
• 13:04
  SPEAKER_01: Eye ni se miya tatu, ya sektor afele.
• 13:06
  SPEAKER_01: Ambere gulitake ni capital markets and securities authority, mamlaka ymasoko na mitajina manu.
• 13:11
  SPEAKER_01: Alaf se miane ni swini ywekediwa social security.
• 13:17
  SPEAKER_01: Pension is.
• 13:18
  SPEAKER_01: Ziambazumtu anakawa.
• 13:19
  SPEAKER_01: Ufokwa hi fad yonase mifuku ifad.
• 13:22
  SPEAKER_01: Yoni se miane ya sector afedambo reguletake requa sarea kine sareli futua, sasavi regretaki nizaraya kazi, chini officia wazirim ku, na benkiku wa na regletu pandua wekezai.
• 13:33
  SPEAKER_01: Po pando wa officia azirimku na regretu pando administrative na ku regratu zire ku zdakavu untu na zakavuendeshua, na kini benkikuwa na regretu pande sasawa wekezai.
• 13:43
  SPEAKER_01: Wwayo mamlaka masoko na metajina tamana na regret kila kitun danya se ba danya danya masuko metajina damana, na including masua hisa.
• 13:51
  SPEAKER_01: Po kamu na dil na mtuyoyote, auta sisiyoyote iwe uweza kununuwa hisa, na apa isa na ngeleza, tambozo ziko zmerodeshua zawuma.
• 14:00
  SPEAKER_01: Tampuni zomobazu mesho sokolaisa deslam, lazma uwiyewe uyomtukama na leseni, na mamlaka na tambulika na mamlaka usi kambani mamlaka masoka mitajya zaman.
• 14:08
  SPEAKER_01: Kou nenda kuwa kala, wamlaka wa sokola isa, nba leseni, unafungwwa ki tukineitua CDS account.
• 14:16
  SPEAKER_01: Kilefcha CDS ni centro depository system.
• 14:19
  SPEAKER_01: Ni system mambori ku konye ikoredwe iko chiniya sokola isa.
• 14:22
  SPEAKER_01: Doinatunza dat ndo database information zot za wa miliki wahisa zot mboz monoze wonye soka isara daeslam, nando database ya isa zote mboz monoze wonye soka isa da islam.
• 14:33
  SPEAKER_01: Kwa kuku pata account kwa nyyeo database.
• 14:35
  SPEAKER_01: Manaki w nenda kwa wakala, anaku sa sida ka izaku yaza form, awana digito uh digital platform.
• 14:42
  SPEAKER_01: Lakini uta tu foto tibu kaman digital platform uta jaza form, na video provide ktaambushu chanida, na passport size, um idiu fanywe yo kwi si, aga funa funguriwa yo CDS account, na yo CDs account itatunza sa si saho zoto takazu z nuwa kuto wko nyuko la hisa.
• 14:58
  SPEAKER_01: Teni kutoka usa sa wana foto tatibu nwa soka yza form yenginea kunuwa ukaman digital platform uka foto tata tibwa digital platform, ki wangko chatini ni sakumi.
• 15:06
  SPEAKER_01: Sasaita tegeme wanuwa hisa, yakam poligani konfono isa kama sieradibi, um ni shilingi efambili kwa be ya mushu nyanggayon lani fbili miatano tisini.
• 15:15
  SPEAKER_01: Ko hisa kumi nishilingi efish natal no miatisa.
• 15:17
  SPEAKER_01: To ignore commission.
• 15:18
  SPEAKER_01: Sabupia kuna kamision apu aka az male.
• 15:21
  SPEAKER_01: Ko tu ignore commission makini efishnatal na miatisa.
• 15:25
  SPEAKER_01: Um lakini kwahisa kama konfort wanggaya free prize, kunakampune twa free prize ni closended fund manager anachu kuwa amechwa hela, ye an awekza.
• 15:33
  SPEAKER_01: Na note fout fought.
• 15:35
  SPEAKER_01: Isa akemoja nsilingi miya sita baimi.
• 15:38
  SPEAKER_01: Ko hisakumi yf sita miane.
• 15:40
  SPEAKER_01: Sindi, koina tegeme w nangaya kampuniganya kiny kiongo chachini isakumi, kunaanza safaliya wwa wekizai.
• 15:45
  SPEAKER_02: Napataje faida, kupitiya hisa, ko sababu konfano uhunahi onaita michezo, labda kwfano konfano rahisi kabisa, tukia, tunafanya mch mimi mimi nawe ni kwamba kilabadaya mwezi tunaweka shilingi elftano, kilabada mue tuna ka silingi elftano.
• 16:06
  SPEAKER_02: Then mwishua mwakasajimwishwa zile eftano tano, akini kupitiya i u uhiki kundichetu, wato naza kukopa, uki kopa, kunariba, ntu na erudishan audisha na riba.
• 16:17
  SPEAKER_02: Yonto fa ideake suna kuja kuigewa, ba dae, sasa, konyu pande wahisa, tuna pataji faida andon ezaji kupata faida kupitiya hisa.
• 16:26
  SPEAKER_01: Asakama nifasema mwza kombahisa ni umiliki wa biashara u kampoon.
• 16:30
  SPEAKER_01: Kumanake unamiliki, namiliki hisa make una miliki biashara, mboyle kampuni na fan.
• 16:35
  SPEAKER_01: Naapagablasti andrea kuna misconception kuba nkuna tuengi wa na approach ntu na woingiya kunda kwekza konyehisa, anakwa na mindset and boy nan felisha kwasababu, ana gariya ile hisa kama final product.
• 16:49
  SPEAKER_01: Kani kumba mina miliki isa, nikama nenda kunu wagari mina miliki legari.
• 16:53
  SPEAKER_01: Kunatfauti kama nikenda kunu a gari na miliki gari na lyende sami.
• 16:57
  SPEAKER_01: Stegime legeli nigizye.
• 16:58
  SPEAKER_01: Lakeni kama nenda kunu a gari mbona fania udumeao safiri.
• 17:03
  SPEAKER_01: Manake nacho miliki nile udumeao safiri.
• 17:06
  SPEAKER_01: Kechana komba na miliki gari gari ni means to an end.
• 17:08
  SPEAKER_01: An end nile udumeao safiri abona tegemei ngizye hela.
• 17:12
  SPEAKER_01: Kwotu nawunuha hisa wana yangale hisa ynyye bada kwangaliya biashara, aboi na kware presente naile hisa.
• 17:18
  SPEAKER_01: Kwokama una miliki hisa, manake wamili kibiasara.
• 17:21
  SPEAKER_01: Kotuna toga zasa konefaida hisa tuna kone fada ire biashara mbona i miliki sendeo.
• 17:25
  SPEAKER_01: Sa sa puna tegeme una miliki kampuni, wa tegemu na miliki saza kampuni gana.
• 17:30
  SPEAKER_01: Kampuni una u miliki, iki fanya biasara uko biasara i kakua, akapata faida, ile faida una akinayo, kwa kile ki wangwa mbachio una miliki.
• 17:38
  SPEAKER_01: Niya kwako i le faida.
• 17:41
  SPEAKER_01: Na kwanfona triu kwenywonfana ni semamtu, yotemba mekwanzi shabi a sharawa mwekwanzha kampuni.
• 17:46
  SPEAKER_01: Kamo me kwanzi shabi ashara yote, uta ngizam tagi.
• 17:49
  SPEAKER_01: Uki ngizam tagi, twashum taj no i tadjin efkumi.
• 17:53
  SPEAKER_01: Tukengiza ufkumi, tukafanya biashara tuasun tuna uza machungwa.
• 17:56
  SPEAKER_01: Tu mengiza efkumi tuna uza machunga tumenda monzo umwa kampaka mushua mwak.
• 18:00
  SPEAKER_01: Tutkianga mushua mwaka, ile fkumi mekwef kuminatan.
• 18:03
  SPEAKER_01: Manake fida and shinkapi.
• 18:05
  SPEAKER_01: Shingeftan, shingeftan.
• 18:07
  SPEAKER_01: Na option B.
• 18:08
  SPEAKER_01: Aw no option tata.
• 18:10
  SPEAKER_01: Modi, nitsuef kumi ile ni rudisha wenibiashara, nitigemefkuminatano nyingine danyamukaw nofuat.
• 18:16
  SPEAKER_02: Makonofwa tafuleftano manake tuna ganji famili tunaiva.
• 18:21
  SPEAKER_00: Mm.
• 18:21
  SPEAKER_01: Option yapili, nichu leftano ni rudisioti.
• 18:24
  SPEAKER_01: Mwakono foto and yanzi nam tady fkuminatano.
• 18:27
  SPEAKER_01: Nikit elfkum kutoka fkumi.
• 18:29
  SPEAKER_01: Nikitegeme patasi method, natatu kontapatasi method, natatuku mafemuptadhuya kamefundation nabliniatano kufide mushu mwak.
• 18:36
  SPEAKER_01: Anakisanta koni muto nytaju efkumi, nanya miakamini nam tady ofishina blimia tano, na fidezotizi kwakuapon dani.
• 18:43
  SPEAKER_01: Option yatatu, naitadju kuwa iftanu equapinima fkumi mokajan, kuabani pasuekatibas.
• 18:52
  SPEAKER_01: If mbili metano nudishi, fmili metano ni nile.
• 18:56
  SPEAKER_01: Tonjuwa nifi enjoi ma matunda be sharam.
• 18:59
  SPEAKER_01: Sasa, ikia mkutuku kuwa wili wanfan, tuka putuna tu mingyewa nibasara moka u mesha manzetun to fautimina takakukuza mta yu na takakula.
• 19:07
  SPEAKER_01: Tutanzaku, vutana futan.
• 19:10
  SPEAKER_01: Kwondoa hilo, kampuni nyingambozmi shokon ysoko kwaisa, zimeka sera egawiyo.
• 19:15
  SPEAKER_01: Faida tu takawi pata, asirimiya kazaya faida, tu taigewa kama gauwiu kuwa miliki, kuwahisa.
• 19:21
  SPEAKER_01: Tangum tuna kwanza kununuwa hisa, kunakona nyuwa kunayyo sera, konakuna yuwa fa ide kiongeze kumina tegemia kuripo kiasigani, kuingana hisa, abazona miliki.
• 19:31
  SPEAKER_01: Yoni fideya kwanza, deawio kutoka, kwanyzi, kwanyre beasara bommefani.
• 19:36
  SPEAKER_01: Konfon si ya dibi sera geawiye na sirime katet natanea faida.
• 19:39
  SPEAKER_01: Fa idea patikana sina tetnatane natoriosa safu miliki, kama, deawio.
• 19:43
  SPEAKER_01: Sindio, so kola isarenikampuni merozehua, kwyye selauni kama siri miam sini, kohizo, zinenda kwa wa kwa uma zinenda kwa miliki unfidea kwwanza.
• 19:52
  SPEAKER_01: Fide apili.
• 19:53
  SPEAKER_01: Konfon ubibiasatu yunggape mekwa pasinya, tetnatan, tetna tatatu.
• 19:58
  SPEAKER_01: Twyataf kumi twata fumetana mushua mwak.
• 20:00
  SPEAKER_01: Ikadja mwkani pia ka ungezeka ifamtu kyanga nawna katiya options awakezaji ibi asharina kuakwa kas.
• 20:06
  SPEAKER_01: Kata ya kampuni zotabozmirodeshwa ibi ashari na kuwakwa kas.
• 20:09
  SPEAKER_01: Wat wengewa dataka ku sam na magwino sia tongzeka wkasi ve.
• 20:12
  SPEAKER_01: Wat wengeo tataku nwa sa zaya kampun.
• 20:15
  SPEAKER_01: Wat wenge napotaka kuzinu nahuja the demand and supply.
• 20:18
  SPEAKER_01: Wat wengeo napotaka punua beina kwwaji inapanda.
• 20:22
  SPEAKER_01: Sendio.
• 20:23
  SPEAKER_01: Kwabei ki panda mildinua misazangu kwasilinge ofmoja, faida ime kuwa kwa kasi, watuengeo nahuyonata kuzinu wa bei mepanda fmoja miyamoja, kuna fida payase miakumi, kutokana ongezeko, la bei, ongezekula tamani, bodo fida pili.
• 20:39
  SPEAKER_01: Tofojin kwambo ngezekola tamani lazma wuze yu pateyo fida.
• 20:42
  SPEAKER_01: Wakati biawio kizinu a tu biawiu dinakuja kaba, kwasabu nameliki ydyasha.
• 20:47
  SPEAKER_01: Kwa faida kubu mbili za isa ni giawiu, na ungze kula tamani.
• 20:52
  SPEAKER_01: Kuna fada nyingine kaza kuna mojia ngutana nameliki mojia konye kwani ejem ya kampuni mwje.
• 21:00
  SPEAKER_01: Nga kutana shareholder anawatoto wili.
• 21:04
  SPEAKER_01: Yea na memepeo kwso konye ezi ejem ningi keneno ktoto antua suvenia beggi momvuli nabitu kama ye.
• 21:10
  SPEAKER_01: Ye anamvulia mepewa, whatfaku ywa nama begi na chata za ide kampun.
• 21:15
  SPEAKER_01: A lafu toko eje ejem ningo taka lunch of snacks, and inappo lunch, toko kiri manjaro, hotel kubuwa.
• 21:22
  SPEAKER_01: Menda nibu furli mipango kwajia shareholders.
• 21:25
  SPEAKER_01: Uemzea kanya beana pigya stories atumiza y netwakingabkiana buniona mim.
• 21:32
  SPEAKER_01: Kili manjano kula.
• 21:33
  SPEAKER_01: Kamiamze missi nyu kiwa kipatu chakabas mini kwambe misuez.
• 21:37
  SPEAKER_01: Ona normal day misu kualeta nangukola.
• 21:39
  SPEAKER_01: Lati nashia kum seikam pun.
• 21:42
  SPEAKER_01: Kum to na shia kumi na shia kumi mama we kun baja nashia kum.
• 21:45
  SPEAKER_01: Bewituna kujaki majjaru na kwachwai kisafi, to make to nachukwa to make a kwautput na mama nibaja ne dan apata, awatu mabegi a shule, mimi ataga gavi was punipa, mimi li mevika.
• 21:56
  SPEAKER_02: Kosamamu furahayaoyaki frydi frayake.
• 22:00
  SPEAKER_01: Na de sema ni menunuwa kwenye kampuni isa konye kampuni nyingi tu ili nyyeze kuaten dizi myingi naniamwaku.
• 22:06
  SPEAKER_01: Kwondo wana sema kuna benefis niingi nutufutina isombivi la kinizombindo.
• 22:10
  SPEAKER_02: Nauza nikatowa pesayangu yote.
• 22:13
  SPEAKER_02: Amba wona mista kiku wendele ten.
• 22:15
  SPEAKER_01: Unaeza wunauza zileisa.
• 22:17
  SPEAKER_01: Sakwa nfosema isa wenunu.
• 22:19
  SPEAKER_01: Nikama kampuni, umianzisha sa sauna taku uza komtu mungine tunasia kampuni nauze kila siku.
• 22:24
  SPEAKER_01: Nesame we, wunezo kanunuwa hisa ba dew kataku ziuza.
• 22:27
  SPEAKER_01: Ntokama nifosema pung geze kwa tatamani nakujaapo yo fide mgze kuwa tamani kwamba.
• 22:31
  SPEAKER_01: Ninoko efmoja sasana na kuzuza niefmoja myymoja naziuza napatewa fideasi miyakumi.
• 22:36
  SPEAKER_01: Kwu naweza, nanira isi ku uuza kampuni hisambumin no sokoni.
• 22:40
  SPEAKER_01: Kata benefit sa kampuni ku reisho sokoni, ni wale shareholders kweza kuexit kira isi kuliwa kampuni mbaye u recio.
• 22:46
  SPEAKER_01: Nchakato wa kumtua shareholder kwenye kampuni bi nafsi.
• 22:49
  SPEAKER_01: Ningum no.
• 22:50
  SPEAKER_01: Waz unafanyika, lakini nimchakato mref.
• 22:53
  SPEAKER_01: Matumi mchakatu mref ukuna dokumentations wwana sheriya upeleke breya, upeleke wapi na vitu kama.
• 22:58
  SPEAKER_01: If kilam twa revikye wa sani era ilipwenin.
• 23:01
  SPEAKER_01: Kwye isan swala kwenda kwa kala, kuna ziweka, bada s kumbi za kazi, zme kwa zme uza kumbi zakaziu na dipwe lako, mebadizana izweiza.
• 23:09
  SPEAKER_02: Wakati tuna tu nazunggumza hapa, nemora wuna tu uh neli kuliza nazaji kumu nahisa ukasema kwanza, kuna mwa kala, uh, tukazungumza mengi sana, tubakiapwa mawakala.
• 23:20
  SPEAKER_02: Naweza mimi nikatoka na kipatuchangu, nikenda kuifes, kampuni moje kwa moje, kama ni siara dibina enda kwanye puduma kitenga chokuma kwa teje, minu twa kahisa, naweza, yanibila kumtumia wwakala, mtu akatkate aggregatas yu tranza ksema iva midiye.
• 23:37
  SPEAKER_02: Ye uyumtu akatkatiya m.
• 23:39
  SPEAKER_02: Kwa sa babu naye kumbukana anapata faiida nafaida na ipata kutoka kwa mtuwa mwensho nahuyumtu o kwanza.
• 23:46
  SPEAKER_02: Samina taka ni uwe yukomu mondo ewe.
• 23:48
  SPEAKER_02: Ukinga umecha nika kichuani niatayyo ama umangi uko kichuana naweza kuifes kampuni muje kwa muoje nika gonga zangu hodi siara debi, na itaj sheni kere kezuwa derisha nipale.
• 24:00
  SPEAKER_01: Unfortunately uwezi lakini, kwa sierra debi kwfano, ksab sieradini wa kala sokra is.
• 24:05
  SPEAKER_01: Koko sieradibu neza ukadje.
• 24:07
  SPEAKER_01: Na wkapata hisa za siara debi.
• 24:09
  SPEAKER_01: Kutoke sieradebi.
• 24:10
  SPEAKER_02: Kuna kampuni ymbazo, zenyeweni ni kampuni taiari za umma, lakini ni wakala piye.
• 24:17
  SPEAKER_01: Njosea dni sialibi pekeaki.
• 24:19
  SPEAKER_01: Salibi pekeake nyo ni kampuni mi uruze shokone sokola isa ni kampunya umuma na ni wakala sokola isa daeslam.
• 24:25
  SPEAKER_01: Nisiela debibi pekeaki.
• 24:27
  SPEAKER_01: Wasas.
• 24:28
  SPEAKER_01: Kwa yo bukita utienda sira dibiu nataka isa siyadibutaz pata.
• 24:32
  SPEAKER_01: Kamamba utapata isa za kampuni nygine yoyote mbo kway mu shokone sokola isa, utaypata di sia dibi, ukienda sialibuta pata isa sialibi.
• 24:40
  SPEAKER_01: Kwa wko kampunya boi siyo wakala, ukienda kwayo kampuni ha utapata, izo hisa utay kezo wende kuwa kara na mwaka naf benefits nyingi.
• 24:48
  SPEAKER_01: Kwasabu soko liko modye.
• 24:50
  SPEAKER_01: Kira mtu akienda sokone soko etabili ongeze kapacity kubo sana kuza kwa udu nia twode.
• 24:55
  SPEAKER_01: Lakini pia kuna function yapiliya ushawudi.
• 24:57
  SPEAKER_01: Wakala yote ta ku shawdi semza kwe keza.
• 25:00
  SPEAKER_01: Wa sababu tubi ashale nyo rodeshoko kenye sokola isa ymanisio biashai na fanya bizuzu.
• 25:04
  SPEAKER_01: Sendi o lazima, zina tokea kuna business cyko zina tokea biashara inakwenda, mazingira biashaia na badilika, ndeni biasharaina yumba.
• 25:12
  SPEAKER_01: Awakatiwa najita futa konezoka weka uku saevi, yibi ashara e kayumbo katoka mishase mbo y na fanya vizuyo katibiashaina ykawa kyoko rudu kwa e keza u.
• 25:20
  SPEAKER_01: Izo dynamic zote kuzi manage na kuzieleo, do wakala napokuya, anakuraisis shia.
• 25:26
  SPEAKER_01: Kwany kufanya hari ute wwfanyao te lakini pia kunavituka mami raki, kuna maguya kwa ja patika na utaka kampune yingi snipa maguze nio kawa kata pampana baka magoye forti forti ya nawitu kamayu.
• 25:37
  SPEAKER_01: Koko na benefits nyingiza mwaka.
• 25:39
  SPEAKER_01: A yo maka tuenga tamaniku lakini kuwala kichua kama wala kichua kini, wwana fai dazao nyingsa, mpaka i kukute, wuna itajiza samsado anam nayo, to nona dahbu nawiuaka wangwa pangeni sortis.
• 25:54
  SPEAKER_01: So kumuya kumuyana kwa changamun.
• 25:56
  SPEAKER_02: Banahini milezo podcast tipia na sle man ni kohapani me ketinaimani mhingo kutoka C R D B.
• 26:03
  SPEAKER_02: Tuna zungumza kuhusiena na hisa, elimuya hisa, leuhi tu tahake ki shampaka tuna maliza podcast tihi, una elimu kubwa yakutosha kuhusiena na hisa.
• 26:14
  SPEAKER_02: Wakatifulani, ilikwa ningumuwa tu kutofautisha, kuna misconception of kos konye yami, kuto fautisha katiya kunakitu kinto forexe, basabna yeni inapanda na kushuka na nin na hisa kwasababu hisa, so kola hisa pia mtoneza kufatiria kupitia ds e na dan.
• 26:32
  SPEAKER_02: Amba wuna yeniye ikoko konyye mtindo pio kupanda na shu na kushuka.
• 26:36
  SPEAKER_02: Asabila kwigusa forex kosabu yoni elimupana, nini kina sababisha uhisa kupanda na kushuka.
• 26:45
  SPEAKER_01: Ara karaka nivitubiwili.
• 26:47
  SPEAKER_01: Kimodja nibiashara, kusika, ya ile kampunye nyyeon.
• 26:51
  SPEAKER_01: Ya pili ni market perception.
• 26:53
  SPEAKER_01: Jinsi mbavewa tuana angalia ile hisa mdawu.
• 26:56
  SPEAKER_01: Kwayo, kwaanfano.
• 26:58
  SPEAKER_01: Nendomana pakunashere nyingi zapusu market manipulation nawitu kame kini kwanfana.
• 27:02
  SPEAKER_01: Bia shara i mifanya vizuri.
• 27:04
  SPEAKER_01: Isnezang katua mifano tusika, ya kampunya bozimi rosewani sopris.
• 27:09
  SPEAKER_01: Mfanu modje, nga ciment.
• 27:11
  SPEAKER_01: Nangasimen sevime uzwa, amin nuwa aje kwana ana miliki twigesiment.
• 27:15
  SPEAKER_01: Amin nwa tangasiment in itwas kansem international.
• 27:18
  SPEAKER_01: Aboy na miliki wana heavel bagiya, aten kudy romani.
• 27:21
  SPEAKER_01: Beaame anamiliki, skansem skansem mikwa namaliki twigesiment pekeake, imenunuwa tangasiment kutoka kampune tafri samaboiko Soud Afrika.
• 27:29
  SPEAKER_01: Mpaka womchakato whafikia tangasiment uhikua ananua kuna ukitakuzalisha cementti kuna kunamarini flanya neto pozolana.
• 27:43
  SPEAKER_01: Na changanya uuna tengeza kitkune twa klinka.
• 27:46
  SPEAKER_01: Afklinken akudina changany swe talama pwana gao suna changana mchangani donokdu na tua cement.
• 27:51
  SPEAKER_01: Yo pozolana wuna imane una changanya swina kunaviku na chanaswini mchangana oftugani, dona twa tua klinka.
• 27:57
  SPEAKER_01: Yo klinkani ykamaro materio kto yakuzasisha cement.
• 28:00
  SPEAKER_01: Kunaviu kunavinu, abovi nazarisha klinka, afakunavinu vina vazarisha cement.
• 28:05
  SPEAKER_01: Invituvio to faut.
• 28:06
  SPEAKER_01: Kwoye ali kuwa na vinu vi chachevzalisha klinka, abavi wa kalitaji, pesa, kwa jilia ku mgeza vile vinu kwu klinka liwana import.
• 28:15
  SPEAKER_01: Aka kopa.
• 28:17
  SPEAKER_01: Alibo kopa likopa, Soud Afrika mkopu wadua.
• 28:20
  SPEAKER_01: Ba the time kwa fbina kumina tana tuna kuna kyeo chaguzi, adola eka, shhu ikapanda, shiringi kasuka.
• 28:27
  SPEAKER_01: Na ilishuga shingi kwa si mesh natan.
• 28:30
  SPEAKER_01: Immediatly u mkopa wadoa wka unsustainab.
• 28:33
  SPEAKER_01: Kutoka pale tangasimente fmbina kumana sabana nkuna na gapata sana.
• 28:36
  SPEAKER_01: Kusa bu mko ganza kung gzeka wa kasa.
• 28:38
  SPEAKER_01: Kutoka njia projection bazu kwa na fan.
• 28:40
  SPEAKER_01: Kitu kwa makile kina indicate, uksha wuna, u mkopu mtok anjia projections awuna dwa pakakuna shida na ibiasha.
• 28:47
  SPEAKER_01: Na bešaa yme kwen nambaka kustabilize mwata tab mpaka umehuza kampuni, ma zima metok.
• 28:53
  SPEAKER_01: Takini kuna kampuni kama swispot.
• 28:55
  SPEAKER_01: Kilikua monopoli pale yes nyele, na kia.
• 28:59
  SPEAKER_01: Seri kali kwenye kuongeza u shindani, ikongeza ika rusu, kampuni nyinginez and zofanya becha i kama swispota boy na hendo, uhegi mizigo, nawateje, u kishuka kwen dege pewa wktaku kunabasia, nete gima tu miya la ngani utu abaza swispota usiwila nasdaya kwa na dya sevom yondoka.
• 29:15
  SPEAKER_01: Atio kta ywe paya kuna kampuni nafanya zebiasha ground handling, na kago handling.
• 29:19
  SPEAKER_01: Swiss ponto nafanya ubia sha.
• 29:21
  SPEAKER_01: Sasi voiz rusu wa kampuni shindani zkaja naikwa pekeake, wakanza kushindana bei.
• 29:26
  SPEAKER_01: Watejaki aliba kishala kine u kwa mishushabei mapu wa kanza kushuk.
• 29:29
  SPEAKER_01: Ukshauna kitu kwa echuna dwa hapa ibiasara, sasivi meyumba.
• 29:32
  SPEAKER_01: Natoka, kame yta kuja kuri kava ntarudi ya un taruli kwa beyachin.
• 29:36
  SPEAKER_01: Kitu kama ychu kitafana be na shuka.
• 29:38
  SPEAKER_01: Sebio.
• 29:39
  SPEAKER_01: Lakini kampuni inariporti faida i mwongezeka asi miatyaat natan.
• 29:44
  SPEAKER_01: Kama si adibi mwkajana e mi repoti fa ide mwongezeka simiatha tnao swiwet nambi.
• 29:48
  SPEAKER_01: Watwa ante gemiya nadewita mwgezeka wa kasi hive ivio.
• 29:51
  SPEAKER_01: Ukidia kwanga data za benki ku, mikopu ya mabenki mwongezeka kwa kasina dan in the last fourteen, fifteen years.
• 29:57
  SPEAKER_01: Mwakajana mna mikopo yongezek wa kasi kutu kwenda kwa mktoko kwa benkwunda kwa wuma.
• 30:01
  SPEAKER_01: Myongezeka kwa kasi ku kumdo i think kamasime na nen ekeshana tamo.
• 30:05
  SPEAKER_01: Kwa nawona ii benki nafanya vizuri.
• 30:07
  SPEAKER_01: Takini pia, sektamboa nafanya kaz, nayo ina kuwa.
• 30:12
  SPEAKER_01: Komtuna wana sa yi sbiasha nenda vizu intuenda nanuwa kena kuno make beta fanyjita pando.
• 30:17
  SPEAKER_01: Kolio ni biasha.
• 30:18
  SPEAKER_02: Mana kiile demand and supply uh principo itafanya kaze nafanyakaz.
• 30:23
  SPEAKER_02: Watokisha wana biashare nafanya vizuri, perception yao itakoni kutamani, kwenda kua keze.
• 30:28
  SPEAKER_02: Yes.
• 30:28
  SPEAKER_02: Demand inakwa kubuwa, bei supply be inapanda.
• 30:32
  SPEAKER_01: Exactly.
• 30:32
  SPEAKER_01: Koni biashare y underlying business ye yo kampuni u sika dinamata san.
• 30:36
  SPEAKER_01: Chapili zan ywa tu mategemeo ewa kwa nyaw market perception.
• 30:40
  SPEAKER_01: Kusu kampuni ausoko zima.
• 30:42
  SPEAKER_01: Kwanfan.
• 30:43
  SPEAKER_01: Umivwanza yi vita ya midoista pa irana marikan.
• 30:47
  SPEAKER_01: Araka ara kam twa nawaza twombeya mafte panda.
• 30:50
  SPEAKER_01: Beya mafteki ki pande nagusa sem nyingi.
• 30:52
  SPEAKER_01: Beya maftei mepanda sisi input zetu i think about fifteen, fifteen percentia input zetu soten mafut.
• 30:58
  SPEAKER_01: Tuna tegeme mafuta energietwana rana na mafuta.
• 31:01
  SPEAKER_01: Kou na tegemea input bilita ongzeka input biliki ongzekanezakusa for an exchange.
• 31:06
  SPEAKER_01: Shiringgi ka depreciate.
• 31:07
  SPEAKER_01: Vile vingine vetut nawygizakto kanji kama do mepanda tama nakenavinye beita panda.
• 31:11
  SPEAKER_01: Ugumwa maisha wnezoko ngezeka.
• 31:14
  SPEAKER_01: Bumu maisho kunggeze kama twa naza kama kuna tu mbo wami uweza kwenye isakama kuseiv.
• 31:18
  SPEAKER_01: Wenza kanza kuza ezi isa.
• 31:20
  SPEAKER_01: Iriwa pate, ki pato chakwendeza myshao.
• 31:22
  SPEAKER_01: Kwa izi sa kashuka be.
• 31:24
  SPEAKER_01: Kwasababu tuwa mwaza ivi.
• 31:25
  SPEAKER_01: Aneza kwa mwa kwuza ezi isakablaze sukababe.
• 31:28
  SPEAKER_01: Kwany perception, uwa pasiv kwa soko yizna kwekea, nabde ezi base nazka pungwa kwa ji yawa tkoza kivi, mai shao.
• 31:34
  SPEAKER_01: Makedi mgana aza kwa kwa ma base tapana mofta tapandezi kampuni grammaza wwesha znezka wgezeka.
• 31:39
  SPEAKER_01: Khoile perception inafanya auze ili adie, apate, apate raki dajye k kama be i kija k shukea spigu.
• 31:46
  SPEAKER_01: Sasa, fa ide ina watikanadi gwen soko eza tu wana wekeza wen sokaii, ukiwa kuna perception nabausi yosa hi.
• 31:54
  SPEAKER_01: Apundo, apundu wakala piana kuya, anapuso kumba yi perception yoko sevi sokon.
• 31:59
  SPEAKER_01: His yosa yi.
• 32:01
  SPEAKER_01: Watu wana uza, ababei na shuka, lakinye ukueli uko ivi, niwatu tuwa memwwa kwenda u.
• 32:06
  SPEAKER_01: Apo kuna fajida mtuwa na kia na anuai sezake, una kampuna ewa national investment company limited.
• 32:12
  SPEAKER_01: Ilianzi shwa kwa jilia ku mobiliza wa tanzania kuza kwe keza kwe nyye masoka metajina damana.
• 32:18
  SPEAKER_01: Uikwa na ipioz na nderea mabenkiya na uzwa, ja wwana uziwa kuwa peko kwauma, foreign investors wana wusoko kuja kwe keza, kina wa tanzania mumko bado.
• 32:26
  SPEAKER_01: Kwikampuni kanziowa kwa diya ku mobiliza wa tanzania, kama chani ya kupeka ya kwenye, ayama kampuni.
• 32:31
  SPEAKER_01: Iliwa anza yka kpata chipwa efimbina nani, kapata changamoto ba ifbina kumamuje kondolea kwin sokola eis.
• 32:37
  SPEAKER_01: Shareholders we kwa na shareholders kama efteratin.
• 32:40
  SPEAKER_01: Watuo metoleo sa sa wikina chwendelea.
• 32:42
  SPEAKER_01: Iye kampuni mekanja soko kwyaka saba, if mbina kumi nana kataka kuri.
• 32:46
  SPEAKER_01: Sheria kamo na shere kamuriondo s konya rudi na rudiku be mbo uliku uri uliku uliku na kachuna nondok.
• 32:52
  SPEAKER_01: Uikwa shin gimia tatuo kachina toko kya uduwa singmiatat.
• 32:54
  SPEAKER_01: Natinya pakatika tizilei sambozo kwazu mezinu azi kozii meku a sana andany miya saba.
• 33:00
  SPEAKER_01: Kwazi ku na tamani sana ye niatatu kwa be yachini sana compare to tamya boyye kampuni na.
• 33:05
  SPEAKER_01: Ili wwengiasu koni kuna atuof telatinio likua locked out, a yukinachuendeza sana be kampuni kosu wwonzo kawuza.
• 33:10
  SPEAKER_01: Ile bei katoka miyatatu kenabakamiye shirini.
• 33:13
  SPEAKER_01: Kosabu perception ya soko, ni kwamba ikampuni mesha tu miza miyaka saba to ykinachuendele na viktu na eesu kenal etaka kuskia, wakazi mwaga so kon wwyanjali zinun mwa.
• 33:24
  SPEAKER_01: Sasaivi wungoko naxasya kungaliye yo kampuni shingapi, leoni mangani yftatu mianani msi.
• 33:30
  SPEAKER_01: Kutoka, miyambuja mia shirini fmbina kumina nana kumina tisab, leon niaftatu mi ynani namsi.
• 33:35
  SPEAKER_01: N kwanini kosabu perception ndawe.
• 33:37
  SPEAKER_01: Watu mikuya kuyewa balayai baya magayo kutoka eye kampuni kukay na reportin numbers na nini kwenesha governance badika na mitu kama if.
• 33:43
  SPEAKER_01: Kwa we perception ndio opportunity dipwyo tona wupchana perception nwana biju patem shawuri mzuri.
• 33:49
  SPEAKER_01: Na watu ba ba timbaya wak, muto eza kona kampuni na shuka, be na shuka, afwatiri kwa nyona ambu ykowa ntokema pema gabye yeshuka zaidi.
• 33:56
  SPEAKER_01: Watu wana uza nwoktecho ki nashusha zaidi, hisa.
• 33:59
  SPEAKER_01: Kwa mtuambea naangalia, famani, anona apa tu na shuka kusabutu, ya perception anz nunua, sikija kuri kava na tezakeya.
• 34:07
  SPEAKER_02: Kuliko niwekeze uhosabu ukitazama, beawio na vituka mahivio, hai chiku i kombo mwekeza leo, keishua makulala kuwa mka wunanza kula faida, huena chikua ako konyye mwaka vituka mahivio.
• 34:22
  SPEAKER_02: Yukum tumgea nawaza mimi ukinipatia komfano nikona zgumza na mtumoje asubuhi, anasama mio milion tano mba ukiweka uku mimi ukinipatia, jumapili, leo jumangapi, leo katkatiya wiki u kinipatia mimi kufkiya mushu wa wiki.
• 34:37
  SPEAKER_02: Na kwani mkulete yo milion tano ni kuleteya na faida.
• 34:40
  SPEAKER_02: Kweya mewaza faida haraka haraka.
• 34:42
  SPEAKER_02: Kwali ni mtu awekeze kwyehisa, ambayo fajdayake naweza kachikua muda, kumachua nawitu kamaivom gia sata na gawiyo, mahuta gawiyo lenyewe, pesandogu sana masi limiandogu sana lafu muda kwe keza, muda mbrefu.
• 34:57
  SPEAKER_02: Kwwini mtu awekeze konyehisa, kuriko kufanya amakwe keza, makufanyye biasha, mbayo, anapata, fajida kuharag.
• 35:05
  SPEAKER_02: Lesap akwanza niseme kichakwanza kwamba.
• 35:08
  SPEAKER_01: Hisa sio the most profitable business.
• 35:11
  SPEAKER_01: And it'syokwamba wwana ukeza kunye isa wana kwaye ndu kunahela, kuna biy sare nahela kama isi kim skemtu na seme vana se wwuni wong.
• 35:21
  SPEAKER_01: Lakini pili, nilituye mfanu pale mwanwa zo kumbam mtu anangare wana ninsan kana kumwa vyazim twa.
• 35:26
  SPEAKER_01: Ikifikisha singida, nda kwani pijya moja nzu disana.
• 35:30
  SPEAKER_01: Na kwuki anga beye vyazim twaara kwa mtu singida navitaka kaba be marambili a iwe be yambwa anaitak.
• 35:36
  SPEAKER_01: Lakini konsida risk kambwa na ibe bawi umtua kwenda kuchwa vyazim twa.
• 35:40
  SPEAKER_01: Kwwza kama nenda mwonyewe wumda kautumia.
• 35:42
  SPEAKER_01: Lakini pili kama na tumamtuyye riskia kuibiwa, riskia gali kupinduka, riski yev viazku vifu kovipata, riskia komba vimekwa kony gunia katikać ku na vjaziv miya mika.
• 35:51
  SPEAKER_01: Risky akomba u mifika kuwe ewe mye kwwanda kunuwa shapata viaz se m nyingini.
• 35:54
  SPEAKER_01: Aniuze risk zotez konsida.
• 35:56
  SPEAKER_01: Ahafuna kuja kwangaliya, return adako wipata.
• 36:00
  SPEAKER_01: Kwe lini ni kubo akini risk ka yo beba ni kubo san.
• 36:03
  SPEAKER_01: Kwe ukisema hisa nibiasha nye fajda kubo kwe shaz ngine zekawa wongo.
• 36:07
  SPEAKER_01: Akini risk adjusted return ina ezekana.
• 36:10
  SPEAKER_01: Zotwa pige e sabla kina ezekana kabisa.
• 36:13
  SPEAKER_01: Risk adjusted return nia kwye hisa ikwa ni kubo, kuri kose nyingine, nyingi.
• 36:18
  SPEAKER_01: Mikisema risk adjusted return ni kumba tu konsida viote.
• 36:21
  SPEAKER_01: Fida u nawipat, na riskuna wibeba, aftuka kompare na vitu vingine.
• 36:26
  SPEAKER_01: Vitu vingine vinku nabeba risk kubuwa muno.
• 36:28
  SPEAKER_01: Wwa yo, uki konsida kumba kuna biashana kaka nezo ka ipio kapiye zaku ea nikuri nazipo nawtu wako kanafany zibiasha nafanya puna pata fida.
• 36:36
  SPEAKER_01: Lakini mara nyinki una kuta biasha mtu kianza, kuye paka wyo pata fada mepitia, kipingi ani, kuna lessons ninki paka na kuja kui patia.
• 36:43
  SPEAKER_01: Sasa kura mungine wuomda ana, awa kilifunza konye kir kipini champito ja kufundishuwa, ndo anakata tama.
• 36:50
  SPEAKER_01: Kuna mungine mea giriwa, tuna diwa ya nyingi sana z napotea.
• 36:54
  SPEAKER_01: Nisimaga kati ku sema semfany katiya vitombov nabi fanye resech tanzaniya nihelena potia kunye kiri muchakuofsi.
• 37:00
  SPEAKER_01: Kiri mocha watsap kumba ma papai seviya na lipa.
• 37:03
  SPEAKER_01: Kule bagamu, a shamba mati kiti nanua shamba bamu na pekam duguangosuna pekam totu mbiomba, akasima mia funanza kutumaya, inapotea nyingisa.
• 37:12
  SPEAKER_01: Koko mtu se mba meajiriwa.
• 37:14
  SPEAKER_01: Hawa me diajira uizufani biashara nyingine.
• 37:17
  SPEAKER_01: Sem mwambo nenda kununua, uuna waza abba kumfano microfinance.
• 37:20
  SPEAKER_01: Mimi natakanfany microfinance, takani kopeche, awunataka nifanya biasharaya biasharaya pombe.
• 37:28
  SPEAKER_01: Zipo kampuni yambazo zime shaku established.
• 37:30
  SPEAKER_01: Governance imenyoka, zime lipa kodi miakamengape zimepata fida proven track record, zime zina miko zneza kukopa z nakopesheka, nikila kitu zimishaka, zikopare.
• 37:41
  SPEAKER_01: You for the taking.
• 37:42
  SPEAKER_01: Wwever tuku a se mia ile biashar.
• 37:44
  SPEAKER_01: Kuriku e kwena kwazisya kwaku kazakwan bananaye, kampuni le ikopare.
• 37:48
  SPEAKER_01: U nasisemyo twas fanya biashar.
• 37:50
  SPEAKER_01: Sabu tusinke pata kampuni za kudesha kwen sokalize.
• 37:52
  SPEAKER_01: Lakini u na wuhakika komponza yani sio komparize on ivo kumba, wana mimi singku apanike na kifanya biashara ya vitunggu.
• 38:00
  SPEAKER_01: Na pigia la sangkuchap kwa nini kenekwe kere ram dmbref.
• 38:03
  SPEAKER_01: Isiwe Ivo.
• 38:03
  SPEAKER_01: Iwe kweli ubenas ses, umeona apakwonye biasara kunakitu, nani metenga komba ynezkana nikapata salamanzon naikikitumbina foka snatro na kifanya.
• 38:12
  SPEAKER_01: Apo safi.
• 38:12
  SPEAKER_01: Lakini ya m kutako kupigia tumpunga lagarakal, kakako pigia kubum kuba.
• 38:17
  SPEAKER_01: Papu mwa maskini ra mkata jiri.
• 38:19
  SPEAKER_01: Ayota umiye.
• 38:20
  SPEAKER_02: Apo, hapo apo, uhakika moje.
• 38:23
  SPEAKER_02: Ama iri swione swarila, yes o no.
• 38:26
  SPEAKER_02: Wwkezajji, kupitiya hisa ma kwanjia hisa, mi kwanjilia mataji.
• 38:32
  SPEAKER_02: Yes ou no?
• 38:32
  SPEAKER_01: Kwanyibu fupit.
• 38:33
  SPEAKER_01: A pan, matu.
• 38:35
  SPEAKER_01: Namfanu la kukini rusu.
• 38:37
  SPEAKER_01: Hm, namduamtu mwekezaji.
• 38:39
  SPEAKER_01: Aneza kaja huyona yi i podkasege nambyom mwekezaj.
• 38:43
  SPEAKER_01: Ambaye najosa falike wekazaji nzekmile sh nambi.
• 38:46
  SPEAKER_01: Nae ali fanya naja kikisha kwa wiki.
• 38:48
  SPEAKER_01: Ana e keza between fam sili mpak efte manini kwa wiki.
• 38:51
  SPEAKER_01: Nay nies yoko pa modje.
• 38:53
  SPEAKER_01: Paputa yumatatu mwefungwaso kwa kakae fushiri.
• 38:55
  SPEAKER_01: Yumatana wala misya pukatefini, yumate na katefishri.
• 38:59
  SPEAKER_01: Vyela vidogo vidog.
• 39:01
  SPEAKER_01: Aka nawekana ji, maramudja mojje mkta maramjabia ba no kapata la kimbili kareta.
• 39:05
  SPEAKER_01: Na kinya lekisha yo konsistency a mefanyyevi utango fumbinish nambili inye fbinash na sita.
• 39:10
  SPEAKER_01: A li kwana nwahisa nne.
• 39:12
  SPEAKER_01: Sara dibi, nmbi, dsi, afri prize, niko, na twigas cement.
• 39:18
  SPEAKER_01: Al na tsi sita, sorry sita.
• 39:20
  SPEAKER_01: Majorita lkwekwafanye Sera dibi.
• 39:22
  SPEAKER_01: Ame wekeza yule, beawiulake alut pata mwakadiana ksabu si intajina than nezanka taje.
• 39:28
  SPEAKER_01: Bewulake lpata mwakadiana, likwa raunddu ak sabana benanane.
• 39:32
  SPEAKER_01: Yei lag sabana benanani kwekesea hakuanayo.
• 39:35
  SPEAKER_01: Hakwanayo.
• 39:36
  SPEAKER_01: Ali kwaneka yfushirini efteratine fushirini efteratini.
• 39:40
  SPEAKER_01: Gawiw mekudya kubo kuliko hela mbaye na nezaka ytenga kwanyye kwekese.
• 39:43
  SPEAKER_01: Sasayoni mwakajana.
• 39:44
  SPEAKER_01: Gawula mwakawusi yu ewata kiasigani.
• 39:46
  SPEAKER_01: Wasabo yenzana uta tibwu.
• 39:48
  SPEAKER_01: Imagine fmina teatine gewia taka wpata kwa kiasigan.
• 39:50
  SPEAKER_01: Siamekwata jiri uta.
• 39:52
  SPEAKER_01: Kabisa.
• 39:53
  SPEAKER_01: Alianza kiwa?
• 39:54
  SPEAKER_02: Chini kabisa.
• 39:55
  SPEAKER_02: Olasema ulasema anzia chini then the rest is history.
• 39:58
  SPEAKER_02: Yeah.
• 39:58
  SPEAKER_02: Kokumaliziya.
• 39:59
  SPEAKER_02: Mimi nataka nipendekeze CRDB.
• 40:01
  SPEAKER_02: Kwayule mbay na tutazama sasahivi, kama sehem bada kupata limuhi, uh na ypendekeza CRDB, kama se hemiamtu kwanda kwaanzia uh kwekeza, kwyo pande wahisa.
• 40:14
  SPEAKER_02: U nduguyangwimani wuna toka CRDB.
• 40:17
  SPEAKER_02: Tu petishe kwakifupi, nchakato kwekeza hisa CRDB.
• 40:21
  SPEAKER_02: Kusabi yes mtomeshapata elimuta ananziya wapi.
• 40:24
  SPEAKER_02: Natamani anze CRDB.
• 40:26
  SPEAKER_02: Tupitisha kwyye mchakato wa kununu wahisa CRDB.
• 40:31
  SPEAKER_01: Okay, so CRDB kwanza wunezo kale of sini, ja kwanza, toko watwa biti wakitenko chya, masoka metaji na tamana tuko azikiwe.
• 40:39
  SPEAKER_01: Ya ypukuma kumakuje zamania sieraddibi.
• 40:42
  SPEAKER_01: Se sa tuko pale floya pili, wwzao kaja pale uka tembe uka pata na limza idi, uh sabuapokowa nfya mdozo kata hlimza idi ukawiza masuali, uka dili disha, komba yisani kitugany na fa nine nat.
• 40:53
  SPEAKER_01: Fungani na masoko metali kuna mifuwe wekezari, kuna witufingevingi.
• 40:57
  SPEAKER_01: Yo nija kwanzo nzu kabuka yaza formtu fungu yasi account, lakini pia nzuka ngyasim banking.
• 41:02
  SPEAKER_01: Kingiasim banking se m chini pekama na akcountya siara dbi.
• 41:06
  SPEAKER_01: Kama wuna na kwa fwa kounti siara dibi we kwa kwa ta zanywuna akuntia siela dbi.
• 41:10
  SPEAKER_01: Lakini kama una akount sea dibi chini payu kinyye konesim banking kuria kunaki na nicha wekezani.
• 41:16
  SPEAKER_01: Ki ki kama kisemu vicha una kukita bunyeza nabonza ni weki weke ini miniaps, sorry ni mini ups.
• 41:22
  SPEAKER_01: Una bunyeza pale bukye miniaps, uuna ingiia uta wana ksem ku shoto kati kati mandiko wekezaj, unabunyeza wekezaji, and then unase unenda se m wekezaji mahiria u smati invest waking gereza.
• 41:33
  SPEAKER_01: Then wuna yinggiya hap.
• 41:35
  SPEAKER_01: Ti ingia bukama huna sidias account.
• 41:37
  SPEAKER_01: Uta daywa utayka nambaku anida, uta fanyake waisi uta fungua c' account.
• 41:42
  SPEAKER_01: Kama una ute ngiza side s account yakotu, and then ita verify, uta endao tandrew wekeza na sea dibi.
• 41:48
  SPEAKER_01: Na se adibini patana mzuye se adibi kye upando wa kapitu market pando masuwa metanya dmana kuzefu ni mkubo san.
• 41:54
  SPEAKER_01: Do kampunya kwanza kuwa kama mifuku ewteza diote na mtuambe na shikama na k shapu salamo le mifukuku.
• 42:02
  SPEAKER_01: Do benki ya kwanza kwana le senio, na kusiye mfukuwa kwanza yutiti kwenda sokoni, mfukuwa umoje.
• 42:08
  SPEAKER_01: Kwe mianza safariya kapitu market mdamrefu, se adibi meuza isa kwauma, kabla sokula isarenya diawa established.
• 42:15
  SPEAKER_01: Isamoja sieradibi mwaka, ifmoja miya satsina sita mbui kwonwa sokouma i kwainge fukumi.
• 42:20
  SPEAKER_01: Samanya yi isamoja sevenimuni shirin akitan.
• 42:23
  SPEAKER_01: Yo isa mwoja sieradibia mwaka if if mwen sats na sit.
• 42:27
  SPEAKER_01: Koi mianza kuza isa wauma, kabla eta soku esa w diawepo, la kini pia sealibing yo stokamboya kuwa traded kuiko stok, zote sokoni, bondza sialibizi yatfungzi adbino e mkopoktoko kwauma.
• 42:39
  SPEAKER_01: Zila tfunganza si adibi mbozo mekopakto wumando atfungan bozo ksabuzia nazo ziki škuriwa zinoresho ken soku eisa n'toneza kuziuza kabla e maturity uule mkopo.
• 42:48
  SPEAKER_01: Zasiadibindo zna tembea kuliko, ningine zakampuni yginezo tekoko uzefo kapitu market si adibina wa ktosha kwa mdje, um tembe of sina wingesim banking, awunezo kengei sa kiganjani, application e diesi wenyewe, napaleu ka chagua broka se la dibi, ukanza kulunuwa sa safako taweka sidi ysa kam nambakwa, utawekani da nambako tafungwa sides, umezo kanza safariakwa wekeza jikela isikabisa.
• 43:11
  SPEAKER_02: Brother mimime kushkulusana najuwa tume zungumza vitu vingi, tumezungumza vituviamsingi, leo najua marabada e kumalizaku, tazama podcasti hita kwandio safariaku ea kwanza, kwanza kuwe keza, uhenye upande wa hisa, ame elezea wwazi kabisa pakomba.
• 43:30
  SPEAKER_02: Hisa siu kamari, lakini, unaza kwana bia sharayako, yesko wekeza kapata fajida haraka.
• 43:35
  SPEAKER_02: Lakini, fajida hisani tofauti akitu kine twa risk.
• 43:40
  SPEAKER_02: Risk ki ni kubo zedi kunye biya shara ukiering ukulinganishana hisa kwa ivo iba ki hivo.
• 43:45
  SPEAKER_02: Shukra nisana kwa kutu tazama, jina langu nipia na swema ni kwani kona uh imani mhingo, kutoka C R D B.
• 43:53
  SPEAKER_02: Araweza kuwa mentawa kopia, konye opandehu, namna nio.
• 43:59
  SPEAKER_01: Naomba ni se metu kumba naomba uwe mwanzu.
• 44:02
  SPEAKER_01: Wwa kwendilea kutowa elimi na netulona elim sevina kua kini kitu mwim san, ba tibyawa tanzanya tume, chilewa kui pata tsemiya watua me chilewa kui, kuipata vizuyo ekwe potwa chache, tulona sevi ku na mwam kua kini nikitu mbach chi mwim sana twa kukielewa, na kita saidia kuzabu producesajita ongezeka, as much as watuwa na takakwekeza nawgezeka.
• 44:22
  SPEAKER_01: Kwanyombe uwe mwanzo, ta umba tu yetena tuli yongele, kuna mambo meng sana ku kava kony masoka metadina, basi wekama chachu ya kwanzisha yi conversa nkwendelea, yawa tu kwaza kupata ye.
• 44:33
  SPEAKER_02: Twachiye komentia kuna tamani kuji funza kitu geni, konye hisa maga kati mungine kwa heri kwasasa.