Asante kwa maombi yako.
Thank you for your application.

Muhusika wa Pemba Foundation atawasiliana na wewe.
A Pemba Foundation representative will contact you.



[Bonyeza hapa kuprint maombi yako]
[Click here to print your completed application]

FOMU YA MKOPO KWA BIASHARA NDOGO

SMALL BUSINESS LOAN APPLICATION

HII NI FOMU YA MTANDAO KWA MTU AMA KIKUNDI KINACHOHITAJI MKOPO KWA KUANZA BIASHARA NDOGO PEMBA.
THIS IS AN ONLINE APPLICATION FORM FOR PEOPLE OR GROUPS WHO WANT A LOAN TO START A NEW SMALL BUSINESS IN PEMBA.

KUNA SEHUMU TATU KWENYE FOMU HII. NI LAZIMA UIKAMILISHE SEHEMU ZOTE TATU KABLA HUJAIWAKILISHA.
THERE ARE THREE STEPS IN THIS APPLICATION. YOU MUST COMPLETE ALL THREE STEPS BEFORE YOU CAN SEND THE APPLICATION.


Sehemu 1

Step 1



TAFADHALI SOMA HAYA MAELEZO KABLA HUJAJAZA FOMU YA MKOPO:
PLEASE READ THESE NOTES BEFORE MAKING YOUR LOAN APPLICATION:



  1. Biashara itakayofunguliwa lazima iwepo kisiwani Pemba, na mwenye biashara ama wenye biashara lazima wawe wanaishi Pemba muda wote.
    The new business must be based in Pemba Island, and the business owner(s) must live in Pemba full time.
  2. Ni lazima uwe umefikia umri wa miaka 18 ndio uombe mkopo.
    You must be at least 18 years old to apply for a loan.
  3. Kiwango ambacho utakiomba ni 4,000,000 Tshs.
    The most that you can apply for is 4,000,000 Tshs.
  4. Unaweza ukaomba mkopo mara moja katika miezi 12.
    You can only apply for a loan once in 12 months.
  5. Kwa kawaida hatutoweza kutoa mkopo wowote kwa mtu ambae ameshaanza biashara.
    Normally we will not give any loan to someone who already has a business.
  6. Hatutotoa mkopo kwa mtu ambae ana deni ama, mtu ambae anadaiwa na mtu yeyote.
    We will not give any loan to someone who already has a loan or who owes money to anyone.
  7. Itakua hakuna riba kwenye mkopo, lakini utatakiwa kulipa deni kwa mfumo maluum. Utatakiwa kulipa deni lako ndani ya miaka miwili baada tu ya kuanza biashara.
    There will be no interest charged for the loan, but you will have to pay the loan back in installments. Usually you will have to finish paying the loan back two years after starting the business.
  8. Baada ya kuyapitia maombi yako, Pemba Foundation wanaweza wakaamua kutokupa mkopo.
    After we read your application, the Pemba Foundation might decide not to give you any loan.
  9. Kama tutaamua kukupa ama kukipa kikundi chako mkopo, tutakua na makubaliano maalum ya kisheria kati yako na Pemba Foundation.
    If we decide to give you or your group a loan, we will make a legal loan agreement between you and the Pemba Foundation.
  10. Makubaliano hayo yataelezea kwa kina mkopo, ikiwa ni lazima ulilipe deni hilo. The Pemba Foundation haitokupa mkopo hadi utakapoweka sahihi ya makubaliano.
    The legal agreement will describe the detailed terms of the loan, including when you must pay back the loan. The Pemba Foundation will not give you any loan until after you have signed a loan agreement.

Umeshayasoma maelezo? Have you read all the notes?


NDIO YES

Sehemu 2

Step 2


TAFADHALI TUAMBIE MAELEZO YA MAOMBI YAKO:
PLEASE TELL US THE DETAILS OF YOUR APPLICATION:

What is your name?


Are you applying for yourself or a group?


BINAFSI SELF
KIKUNDI GROUP

If for a group, what is the name of the group?

Have you or your group applied for a Pemba Foundation small business loan before?


NDIO YES
HAPANA NO


Kama NDIO tafadhali wasiliana na Pemba Foundation Executive Director, Nassor Marhun, phone: +255 654 640 046, Barua Pepe:
If YES Please contact the Pemba Foundation Executive Director, Nassor Marhun, phone: +255 654 640 046, e-mail:

Please give contact details for you or your group:


Mtaa: Address:

Nambari ya simu: Phone Numbers:

Barua pepe: Email Addresses:

What is your occupation now, or what are the occupations of your group members now?


Have you or your group ever started any businesses before, or do you own any businesses now?


NDIO YES
HAPANA NO

If YES please describe the businesses, and tell us what their situation is now. You must also say if the businesses have taken any loans, and if they owe any money to anyone. (No more than 300 words.)

Do you or your group owe any money to anyone?


NDIO YES
HAPANA NO

If YES please say how much money, and who you owe it to.

What size loan are you applying for?


Tsh.

Kiwango unachoweza kuomba ni 4,000,000 Tsh.

The most you can apply for is 4,000,000 Tsh.


Haiwezekani kufanya maombi ya kiwango kikubwa cha mkopo kupitia kwenye mtandao. Tutajadiliana kwa kiwango kikubwa, lakini hakuna uwezekano mkubwa wa kuweza kukubali. Tafadhali wasiliana na Pemba Foundation Executive Director, Nassor Marhun, phone: +255 654 640 046, Barua Pepe:

It is not possible to make an application for large loans online. We will discuss a large loan, but it is VERY UNLIKELY that we will agree to make one. Please contact the Pemba Foundation Executive Director, Nassor Marhun, phone: +255 654 640 046, e-mail:

Briefly describe your business idea. Make sure to explain why you think this is a good idea for a business. (No more than 200 words.)


Are there other people who do the same business in your area?


NDIO YES
HAPANA NO

If YES tell us why you think your business will be able to succeed if you have competitors. (No more than 300 words.)

Tell us ALL the expenses you expect your business to have IN ONE MONTH. These should be typical, average expenses that you expect to pay soon after you start the business. If you do not know the exact amounts, you should give estimates that are as accurate and realistic as possible.


Hizi hapa ni aina ya gharama za biashara:

Here is a list of typical business expenses:


  • Vifaa kwa ajili ya viwanda (kwa mfano: unga kwa bakery, mbao kwa seremala)
    Materials for manufacturing (for example: flour for a bakery, wood for a carpenter)
  • Bidhaa kwa muuza duka
    Stock to sell in a shop
  • Wafanya kazi (ukijumuuisha na mshahara unajilipa wewe ama kikundi chako)
    Staff (including any salary you pay to yourself or your group)>
  • Majengo - Ofisi, Duka, nk
    Premises - offices, workshops, etc.
  • Vifaa vya ofisi na bidhaa
    Office equipment and supplies
  • Simu na gharama za internet
    Phone and internet charges
  • Vifaa
    Tools
  • Ufungaji
    Packaging
  • Usafiri
    Transport and travel
  • Umeme na mafuta
    Electricity and fuel
  • Matangazo (kwa mfano: vipeperushi, mabango, uchapishaji maalum kwa mifuko)
    Advertising and promotion (for example: leaflets, posters, special printing on bags)
  • Bima
    Insurance
  • Gharama za sheria na uhasibu
    Legal and accounting costs
  • Kodi za serikali, ada ya leseni
    Government taxes, fees and licenses
  • Gharama nyengne yeyote kama inahusiana na biashara yako
    Any other expenses that are related to your business

Lazima ujumuishe na account ya bank kwa sababu sisi kukupa mkopo wako wa biashara tunataka uwe na account ya bank.
You must also include the costs of a business bank account, because if we make a loan to your business, we will require you to have a bank account.

Tell us ALL the income you expect your business to make IN ONE MONTH, soon after you start the business.


Takriban kipato chote kinaweza kuja kutokana na mauzo, lakini pia unaweza kupata kipato kutokana na kukodi. Kwa mfano, kama unahitaji kitu maalum kwa biashara yako, unaweza kukodi kwa mda ili uongeze kipato chako.

Most or all of the income might come from sales, but you might also have income from rent. For example, if you need a special tool for your business, you might be able to rent it to people part of the time to make additional income.


Tell us how much PROFIT you expect your business to make IN ONE MONTH, soon after you start the business. Profit is all the business income minus all business expenses.


If your business is not able to make a profit, but instead makes a loss, it is not a good business and we might not give you a loan to start the business. But sometimes when a business is starting it is alright to make a loss at the beginning while you are building up sales.


Tafadhali tuambie nini matarajio ya biashara yako kwa faida na hasara ndani ya mwezi mmoja, kwa miezi 12 ya mwanzo, kuanzia siku utakayoianza.

Please tell us what you expect your business's profits and losses will be EVERY MONTH FOR THE FIRST 12 MONTHS, from when you start.


Kama faida na hasara inabadilika kwa kila mwezi, tafadhali elezea kwa nini? (Yasizidi maneno 400.)

If the profits and losses are changing from month to month, please explain why. (No more than 400 words.)


What will you do with the profits your business makes?


Unaweza kuyafanya baadhi ama mambo yote haya:

You might want to do some or all of these things:


  • Kurudisha pesa katika biashara, kwa mfano kununua bidhaa zaidi, ama stock, ama kua na duka ambalo ni zuri, ama kua na vifaa zaidi.
    Invest money back into the business, for example to buy more materials or stock, or get a better workshop or more tools.
  • Kuwalipa zaidi wafanyakazi, kwa mfano kama wanafanya kazi vizuri ama kuuza mauzo mazuri.
    Pay bonuses to staff, for example if they do very good work or make many sales.
  • Kuweka pesa kwa ajili yako.
    Keep money for yourself.
  • Matumizi mengnine yeyote.
    Any other uses.

(Yasizidi maneno 300) (No more than 300 words)


What do you expect your business will be doing:


Mwisho wa mwaka wa kwanza? (Yasizidi maneno 200 kwa kila jibu.)
At the end of 1 year? (Limit 200 words.)



Mwisho wa mwaka wa pili? (Yasizidi maneno 200 kwa kila jibu.)
At the end of 2 years? (Limit 200 words.)



Mwisho wa mwaka wa 3? (Yasizidi maneno 200 kwa kila jibu.)
At the end of 3 years? (Limit 200 words.)

Please give at least two people who will provide a reference for you or your group. We will contact these people to ask about your qualifications and abilities.


Shahidi 1: Reference 1:

Jina: Name:

Anuani: Address:

Nambari ya simu: Phone number:

Barua pepe: Email address:



Shahidi 2: Reference 2:

Jina: Name:

Anuani: Address:

Nambari ya simu: Phone number:

Barua pepe: Email address:

Sehemu 3

Step 3


KUWASILISHA MAOMBI YAKO
SENDING YOUR APPLICATION


Pemba Foundation watayashughulikia maombi ya mkopo wako baada ya kuyapeleka. Hatukuhakikishii kuhusu kukupatia wewe mkopo. Kama tutaamua kukukopesha wewe ama kikundi chako, itatubidi tufunge mikataba ya kisheria kati yako wewe na Pemba Foundation. Mkataba wa kisheria utaelezea kwa kina maelezo ya mkopo, na lini utatakiwa kulipa mkopo huo. Pemba Foundation haitotoa mkopo hadi utakapotia saini mkataba.
The Pemba Foundation will consider your loan application after you have sent it. We might decide that we cannot give you any loan. If we decide to give you or your group a loan, we will make a legal loan agreement between you and the Pemba Foundation. The legal agreement will describe the detailed terms of the loan, including when you must pay back the loan. The Pemba Foundation will not give you any loan until after you have signed a loan agreement.

Do you understand and accept these conditions?

NDIO YES

Is the information you have given in the application accurate and true as far as you know?

NDIO YES

Are you at least 18 years old?

NDIO YES