Habari za UN, Huduma za fedha mtandao zamwondolea mwanafunzi adha ya kufuata fedha benki | | Habari za UN

Huduma za fedha mtandao zamwondolea mwanafunzi adha ya kufuata fedha benki | | Habari za UN

Misri, taifa lenye watu milioni 100 hivi sasa, lakini ni asilimia 30 tu ya watu hao yaani watu milioni 36.8 ndio wenye akaunti za benki. Katika zama hizo za huduma za fedha kimtandao, mashirika ya mawasiliano ya simu yanaingia ubia na benki ili kupanua wigo wa huduma hizo. Ukosefu wa huduma za fedha kimtandao zinakuwa kikwazo kwani wananchi hupoteza muda mwingi benki kusubiria malipo ambayo wangaliweza kuyapokea kupitia simu za kiganjani au rununu. Shuhuda pande zote mbili hizo ni msichana mmoja mkazi wa Cairo nchini Misri kama anavyosimulia Assumpta Massoi kwenye makala hii iliyoandaliwa na shirika la Umoja wa Mataifa la Mawasiliano duniani, ITU.

Kukurukakara za Cairo, mji mkuu wa Misri huu. Bajaji huku, magari kule, watu huku na kule. Alimradi harakati za asubuhi kwenye mitaa ya mji huu. Na miongoni mwa watu hao ni Gehad, mwanafunzi huyu wa kike. Lakini asubuhi hii, haendi shuleni, bali anaenda benki. Kulikoni, Gehad anasema, wazazi wangu walipeana talaka kama miaka kumi na mitano iliyopita. Malipo ya masurufu, kutoka kwa baba kwenda kwa mama, tulianza kupokea miaka mitano iliyopita kupitia benki ya Nasser. Waliweza kupokea fedha hizo, baada ya usaidizi kutoka wizara ya mshikamano wa kijamii ya Misri.

Hata hivyo kulikuwa na changamoto. Anasema, "Nilidamka kuwahi benki. Na nilisimama kwenye mstari mrefu sana. Kwa hiyo, siku ya kwenda benki, ilikuwa ni siku ngumu sana kwangu." Na hakika katika video hii ya shirika la Umoja wa Mataifa la Mawasiliano Duniani ITU, msururu ni mrefu katika benki ya Nasser. Wake kwa waume, hali kadhalika vijana wa kiume na wa kike akiwemo Gehad. Na pahala pa kuketi, viti ni vichache. Kwa ufupi, msongamano ni mkubwa. Serikali ya Misri kwa ushirikiano na benki ya Nasser wakabaini tatizo na hivyo wakaibuka na jawabu. Kama anavyosema, Ahmed Kedir, afisa mwandamizi kutoka kampuni ya mawasiliano ya simu Orange. "Wizara ya mshikamano wa kijamii na benki ya Nasser waliingia ubia na kampuni Orange. Ubia huu, umeundwa kuwawezesha wateja wa benki ya Nasser kupokea malipo yao ya masurufu kila mwezi wakiwa nyumbani. Na watapokea ujumbe mfupi kupitia simu yao kwamba wamepokea malipo yao na hivyo, anaweza kumtumia mtu yeyote fedha, au kulipa malipo yoyote, au kutoa fedha kupitia matawi ya Orange, mawakala, au kwenye mashine ya kutolea fedha."

Hii ilikuwa ni habari njema kwa Gihad. Akionekana kwenye video hiyo, akipokea ujumbe mfupi wa malipo, na kisha akiwa nyumbani, anasema, "Zamani nililazimika kukosa madarasa ya somo shuleni. Kwa sababu, nililazimika kuenda benki kuchukua fedha. Lakini sasa, naweza kupata wakati wowote ule." Harish Natarajan kutoka benki ya dunia, anaona hali ni mafanikio kubwa kwa wateja na watu wa huduma. "Huduma za fedha kimtandao zimeondoa kwa kiasi fulani, huduma za malipo kwa benki, kama huduma inayojitegemea. Ila sasa ni hatua moja mbele. Iwapo akaunti yako iko benki, bado unaweza kufanya miyamala na akaunti yako kupitia huduma zinazotolewa na mtoa huduma wa tatu."

Huduma za fedha mtandao zamwondolea mwanafunzi adha ya kufuata fedha benki | | Habari za UN ||||supprime à||||||||| Services|||online|relieve from||burden||withdrawing||||| ||||befriar från besvär||besvär||följa med||banken||| Online financial services have relieved the student of the hassle of following money to the bank | UN news Los servicios financieros en línea han liberado al estudiante de la molestia de tener que llevar el dinero al banco | noticias de la ONU Les services financiers en ligne ont soulagé les étudiants de la difficulté de suivre l'argent jusqu'à la banque | Actualités de l'ONU Os serviços financeiros on-line aliviaram o aluno do incômodo de seguir o dinheiro até o banco | notícias da ONU Финансовые онлайн-услуги избавили студентов от необходимости следить за деньгами в банке | Новости ООН Internet banking services eliminate the hassle of a student going to the bank to withdraw money | | UN News

Misri, taifa lenye watu milioni 100 hivi sasa, lakini ni asilimia 30 tu ya watu hao yaani watu milioni 36.8 ndio wenye akaunti za benki. Egypt|country|that has|||||||percent|||||that is||||who have||| ||med en befolkning||||||||||||||||||| Egypt, a nation with 100 million people right now, but only 30 percent of those people ie 36.8 million people have bank accounts. Egypt, ett land med cirka 100 miljoner människor, men endast 30 procent av dessa, vilket är 36,8 miljoner människor, har bankkonton. Katika zama hizo za huduma za fedha kimtandao, mashirika ya mawasiliano ya simu yanaingia ubia na benki ili kupanua wigo wa huduma hizo. |era|those||services|||online|organizations||communication||mobile|are entering|partnership||bank|in order to|expand the scope|scope||| |tiderna||||||online financial services|företag||telekommunikationer|||går in i|partnerskap med||||utöka|omfattning||| In the era of online financial services, telecommunications companies are entering into partnerships with banks to expand the scope of these services. I denna era av internetbanktjänster går telekommunikationsföretag samman med banker för att utöka utbudet av dessa tjänster. Ukosefu wa huduma za fedha kimtandao zinakuwa kikwazo kwani wananchi hupoteza muda mwingi benki kusubiria malipo ambayo wangaliweza kuyapokea kupitia simu za kiganjani au rununu. "Lack"||||||become|barrier|because|the citizens|lose|time|a lot of||waiting for|payments||could have|receive them|through mobile phones|mobile phones||mobile phones|or mobile|mobile phone ||||||blir|hinder||medborgare|förlorar||||vänta på|betalningar||skulle kunna få|ta emot dem||||mobiltelefoner|| The lack of online financial services is becoming an obstacle as citizens waste a lot of time at the bank waiting for payments that they could receive through cell phones or mobile phones. Shuhuda pande zote mbili hizo ni msichana mmoja mkazi wa Cairo nchini Misri kama anavyosimulia Assumpta Massoi kwenye makala hii iliyoandaliwa na shirika la Umoja wa Mataifa la Mawasiliano duniani, ITU. Witness|sides|both||||||resident|||in the country|Egypt|as|"as narrated by"|Assumpta Massoi|Massoi||article||prepared by||organization||||Nations||Communication|worldwide|International Telecommunication Union Vittne|sidor|||||||boende i Cairo||||||som berättas av|Assumpta Massoi|Assumpta Massoi||artikel||har förberetts|||||||||i världen|Internationella teleunionen The witness on both sides is a girl who lives in Cairo, Egypt, as Assumpta Massoi tells in this article prepared by the United Nations World Telecommunication Organization, ITU. Les témoins des deux côtés sont une fille résidant au Caire en Égypte, comme le raconte Assumpta Massoi dans cet article préparé par l'Organisation mondiale des communications, l'UIT.

Kukurukakara za Cairo, mji mkuu wa Misri huu. Kukurukakara||||||| Tuppar i Cairo||||huvudstad||| The streets of Cairo, the capital of this Egypt. Les bruits du Caire, la capitale de l'Égypte. Bajaji huku, magari kule, watu huku na kule. Tuktuk||||||| Bajaji here, cars there, people here and there. Bajaji ici, voitures là-bas, des gens ici et là. Alimradi harakati za asubuhi kwenye mitaa ya mji huu. As long as|morning activities|||in the streets|streets||| Så länge som|||||gator||| As long as the morning movement on the streets of this city. Elle a décidé de se promener le matin dans les rues de cette ville. Na miongoni mwa watu hao ni Gehad, mwanafunzi huyu wa kike. ||||||Gehad|||| ||||||Gehad|||| And among those people is Gehad, this female student. Et parmi ces personnes se trouve Gehad, cette élève. Lakini asubuhi hii, haendi shuleni, bali anaenda benki. But this morning, he's not going to school, he's going to the bank. Mais ce matin, elle ne va pas à l'école, elle va à la banque. Kulikoni, Gehad anasema, wazazi wangu walipeana talaka kama miaka kumi na mitano iliyopita. ||||||divorce|||||| ||||||skilsmässa|||||femton år sedan| At home, Gehad says, my parents divorced about fifteen years ago. Il y a quinze ans, dit Gehad, mes parents ont divorcé. Malipo ya masurufu, kutoka kwa baba kwenda kwa mama, tulianza kupokea miaka mitano iliyopita kupitia benki ya Nasser. ||allowance payments||||||||||||||| ||Underhållsbidrag|||||||||||||||Nasser-banken We started receiving the remittances, from father to mother, five years ago through Nasser bank. Les paiements des frais, de mon père à ma mère, ont commencé à être reçus il y a cinq ans par l'intermédiaire de la banque de Nasser. Waliweza kupokea fedha hizo, baada ya usaidizi kutoka wizara ya mshikamano wa kijamii ya Misri. ||||||||||social solidarity|||| ||||||||||solidaritet||social cohesion|| They were able to receive the funds, after assistance from the Egyptian Ministry of Social Solidarity. Ils ont pu recevoir cet argent après une aide du ministère de la solidarité sociale égyptien.

Hata hivyo kulikuwa na changamoto. ||||challenge ||||utmaning However there were challenges. Cependant, il y avait des défis. Anasema, "Nilidamka kuwahi benki. |Jag vaknade|hinna| He says, "I realized I was a banker. Il dit : "Je me suis réveillé tôt pour aller à la banque. Na nilisimama kwenye mstari mrefu sana. |I stood||line|| |jag stod||kö || And I stood in a very long line. Et je me suis tenu dans une très longue file. Kwa hiyo, siku ya kwenda benki, ilikuwa ni siku ngumu sana kwangu." ||||||||||very| So, the day I went to the bank, it was a very difficult day for me." Na hakika katika video hii ya shirika la Umoja wa Mataifa la Mawasiliano Duniani ITU, msururu ni mrefu katika benki ya Nasser. |||videon||||||||||||kö eller rad|||||| And indeed in this video of the United Nations International Telecommunication Organization ITU, the line is long at Nasser's bank. Wake kwa waume, hali kadhalika vijana wa kiume na wa kike akiwemo Gehad. ||män||och så vidare|unga män||||||inklusive av| Wives and husbands, as well as young men and women, including Gehad. Na pahala pa kuketi, viti ni vichache. |l'endroit||s'asseoir|chaises|| |place||to sit||| |plats||att sitta|stolar|| And where to sit, there are few seats. Et en ce qui concerne les sièges, il y a peu de chaises. Kwa ufupi, msongamano ni mkubwa. |en résumé||| |in short||| Kort sagt|Kort sagt||| In short, the density is high. En résumé, l'encombrement est important. Serikali ya Misri kwa ushirikiano na benki ya Nasser wakabaini tatizo na hivyo wakaibuka na jawabu. |||||||||ont découvert||||ont trouvé|| |||||||||identified||||emerged|| |||||||||identifierade||||kom fram med|| The Egyptian government in collaboration with Nasser's bank identified the problem and thus came up with an answer. Le gouvernement égyptien, en collaboration avec la Banque de Nasser, a identifié le problème et a trouvé une solution. Kama anavyosema, Ahmed Kedir, afisa mwandamizi kutoka kampuni ya mawasiliano ya simu Orange. |as he says||||||||||| |Som han säger|Ahmed Kedir|Kedir|tjänsteman|senior officer|||||||Orange As he says, Ahmed Kedir, a senior official from the telecommunications company Orange. Comme le dit Ahmed Kedir, responsable senior de la société de télécommunications Orange. "Wizara ya mshikamano wa kijamii na benki ya Nasser waliingia ubia na kampuni Orange. "The Ministry of Social Solidarity and Nasser's bank entered into a joint venture with the Orange company. Le ministère de la solidarité sociale et la banque de Nasser ont établi un partenariat avec la société Orange. Ubia huu, umeundwa kuwawezesha wateja wa benki ya Nasser kupokea malipo yao ya masurufu kila mwezi wakiwa nyumbani. |||||||||||||groceries|||| ||har skapats|möjliggöra för|kunder||||||||||||| This partnership is designed to enable Nasser bank customers to receive their monthly installments at home. Ce partenariat a été créé pour permettre aux clients de la banque de Nasser de recevoir leurs paiements mensuels d'allocations à domicile. Na watapokea ujumbe mfupi kupitia simu yao kwamba wamepokea malipo yao na hivyo, anaweza kumtumia mtu yeyote fedha, au kulipa malipo yoyote, au kutoa fedha kupitia matawi ya Orange, mawakala, au kwenye mashine ya kutolea fedha." ||||||||||||||send to||||||||||||||||||||| |kommer att få|meddelande||||||har tagit emot||||||skicka till||||||||||||filialer|||ombudsmän|||||uttagsautomat| And they will receive a text message through their phone that they have received their payment and thus, they can send money to anyone, or pay any payment, or withdraw money through Orange branches, agents, or at a cash dispenser." Et ils recevront un message court via leur téléphone que leur paiement a été reçu et ainsi, il peut envoyer de l'argent à n'importe qui, ou payer n'importe quelle facture, ou retirer de l'argent via les agences Orange, les agents ou aux distributeurs automatiques.

Hii ilikuwa ni habari njema kwa Gihad. ||||||Gihad ||||||Gihad This was good news for Jihad. C'était une bonne nouvelle pour Gihad. Akionekana kwenye video hiyo, akipokea ujumbe mfupi wa malipo, na kisha akiwa nyumbani, anasema, "Zamani nililazimika kukosa madarasa ya somo shuleni. ||||||||||||||||||||at school När han ses||||tar emot|||||||||||Jag var tvungen|missa|||ämne i skolan| Appearing in the video, receiving text messages for payment, and then at home, he says, "I used to have to miss classes at school. Apparaissant dans cette vidéo, recevant un message court de paiement, puis étant chez lui, il dit : "Autrefois, je devais manquer des cours à l'école. Kwa sababu, nililazimika kuenda benki kuchukua fedha. Because, I had to go to the bank to get money. Parce que j'ai dû aller à la banque pour retirer de l'argent. Lakini sasa, naweza kupata wakati wowote ule." ||||||som helst But now, I can get it anytime." Mais maintenant, je peux y aller à tout moment. Harish Natarajan kutoka benki ya dunia, anaona hali ni mafanikio kubwa kwa wateja na watu wa huduma. Harish Natarajan|Natarajan||||||||||||||| Harish Natarajan from the World Bank, sees the situation as a great success for customers and service people. Harish Natarajan de la Banque mondiale considère que la situation est un grand succès pour les clients et les prestataires de services. "Huduma za fedha kimtandao zimeondoa kwa kiasi fulani, huduma za malipo kwa benki, kama huduma inayojitegemea. ||||har tagit bort|||||||||||Självständig tjänst "Les services financiers en ligne ont en quelque sorte éliminé les services de paiement bancaire, en tant que service autonome. Ila sasa ni hatua moja mbele. Mais maintenant, c'est un pas en avant. Iwapo akaunti yako iko benki, bado unaweza kufanya miyamala na akaunti yako kupitia huduma zinazotolewa na mtoa huduma wa tatu." ||||||||transaktioner||||||tillhandahålls av||tjänsteleverantör||| Si votre compte est à la banque, vous pouvez toujours effectuer des transactions avec votre compte via les services fournis par un tiers."