Yetu Microfinance

**Yetu Microfinance Bank Plc**. (YETU) banki ne na microfinance a Tanzania . Ita ce cibiyar microfinance ta farko da za a jera a cikin Kasuwancin Kasuwancin Dar es Salaam.
*Yetu* kalma ce ta Swahili da ke nufin Mu.

## Bayani na gaba ɗaya
Bankin yana ba da samfuran bashi, kamar rance na rukuni na hadin kai ga abokan ciniki waɗanda aka tsara su cikin ƙungiyoyi waɗanda membobinsu ke aiki a matsayin banki na al'ada da kuma tabbatar da rance na juna; Rance na Mavuno don biyan membobin rance na ƙungiyar hadin kai waɗanda suka kai iyakar rance na TSh 3 miliyan kuma suna so su rance akan ƙwarewar mutum; ƙananan kamfanoni da matsakaitan kamfanoni, gami da fitarwa da, shigo da, kasuwanci / kantin sayar da kuma aiki, da rance; Rance mai sarrafawa da kuma SRI don samar da lamuni na gona; rance na nan take don manoma masu ba da kuma Kayayyakin ajiyar ta sun hada da ajiyar ajiya na tilas; da ajiyar son rai.

## Tarihi
Yetu Microfinance Bank PLC kamfani ne na jama'a wanda aka kafa shi a karkashin Dokar Kamfanoni ta 2002 a ranar 23 ga Disamba, 2013 don karɓar kasuwancin Gidauniyar Kula da Matasa (YOSEFO). YOSEFO wata cibiyar bashi ce kawai ta Microfinance na tsawon shekaru 14 kafin a canza ta zuwa bankin microfinance. A ranar 23 ga watan Yunin 2015 Yetu Microfinance ta kaddamar da tayin jama'a na farko (IPO) ta hanyar Kasuwancin Ci gaban Kasuwanci (EGM) kuma ta sami damar tara TSh biliyan 3.1. A ranar 10 ga Maris 2016 Yetu Microfinance PLC ya zama na farko kuma kawai microfinance da aka jera a Dar es Salaam Stock Exchange PLC. Kamfanin ya sami nasarar samun lasisin banki a ranar 20 ga Fabrairu 2017 daga Bankin Tanzania bayan ya sadu da yanayin lasisi ciki har da mafi ƙarancin abin da ake buƙata na TSh biliyan 5. Ya zuwa 2018, babban kuɗin da aka biya na yanzu na bankin shine TSh biliyan 6.05.

## Harkokin kamfanoni
Kwamitin Daraktocin kamfanin ya kunshi mutane shida. Shugaban yana daya daga cikin Daraktoci biyar wadanda ba na zartarwa ba. Shugaban yanzu shine Ernest Ndimbo kuma Manajan Darakta na yanzu da Babban Darakta (Shugaba), shine Altemius Millinga.

### Mallaka
YOSEFO babban mai hannun jari ne na YETU Microfinance Bank PLC. YETU Microfinance ya karɓi dukkan rassan, hukumomi da abokan ciniki daga YOSEFO. Yetu Microfinance ya sayar da hannun jari 6,223,380 a farashin 500/- kuma ya gudanar da tara 3.1bn/- daga masu biyan kuɗi 14,273 ta hanyar IPO.

## Ofisoshin da Cibiyar Kula da Kudi
Yetu Microfinance Bank PLC yana da hedikwatar sa a Dar es Salaam . Ya zuwa 2019, cibiyar rarraba bankin ta kasance rassa uku (Mzizima da Mbagala a Dar es Salaam da Mngeta a yankin Morogoro) da Cibiyoyin Kula da Kudi 16. Dukkanin rassa da cibiyoyin sabis na kuɗi suna da alaƙa akan tsarin lokaci na kan layi. Abokan ciniki a duk faɗin Tanzania suna aiki ta hanyar tashoshin isar da yawa kamar banki na hannu, POS da Katunan ATM. Dukkanin rassan da cibiyoyin sabis na kuɗi suna da tsarin caji na biometric, fasaha mai kyau ga kasuwar ƙananan ɓangaren kuɗi. Bankin kuma memba ne na Umoja Switch saboda haka abokan cinikinsa na iya samun dama sama da ATM 300 a duk faɗin ƙasar. As of January 2019 watan Janairun 2019[update], Yetu Microfinance Bank PLC yana kula da cibiyar sadarwa ta rassa da cibiyoyin sabis na kuɗi (FSC) a wurare masu zuwa:

# **Babban Ofishin** - Dar es Salaam
# Ofishin Mbagala - Gundumar Temeke, Dar es Salaam
# Ofishin Mzizima - Gundumar Ilala, Dar es Salaam
# Ofishin Mngeta - Gundumar Kilombero, Morogoro.
# Zanzibar FSC - Zanzibar
# Kilwa FSC - Kilwa.
# Lindi FSC - Lindi
# Lumo FSC - Gundumar Temeke, Dar es Salaam
# Kigamboni FSC - Gundumar Kigamboni, Dar es Salaam
# Kibaha FSC - Gundumar Kibaha, Pwani
# Ifakara FSC - Gundumar Kilombero, Morogoro
# Malinyi FSC - Gundumar Malinyi, Morogoro
# Masasi FSC - Gundumar Masasi, Mtwara
# Ruaha FSC - Gundumar Kilombero, Morogoro
# Amani FSC - Tanga

## Bayanan da aka yi amfani da su