WHY ARE YOU IN DEBT BONDAGE? (KWANINI U MTUMWA WA MADENI YASIYOLIPIKA?)

 

Video link: Kwanini u mtumwa wa madeni yasiyolipika

WHY ARE YOU IN DEBT BONDAGE?

(KWANINI U MTUMWA WA MADENI YASIYOLIPIKA?)

1. Life disasters—When you experience disasters such as accidents or illnesses, you may be forced to borrow. However, sometimes, we get into loans because we do not save or invest.

2. You are not faithful to God – When you rob God of tithes and offerings, He stops rebuking the consumer of your blessings. 

3. Borrowing is the first way to solve problems - You could ask for help or a job instead of a loan.

4. Competing with your neighbors – You force your life to be at the same level as your neighbors.

5. You are impatient - You tend to force yourself to get things today instead of waiting till the right time. 

6. Accumulating debts – You do not have a repayment plan. You only know how to spend but do not save to repay your debts.

7. Curse or spirit of poverty – When you borrow from satanic loan companies, even if it is a small amount, you fail to repay it. As a result, valuable things are taken away or you borrow again.

8. Unwillingness to learn new skills – You care about your old certificates. You are not ready to study new courses needed in the market.

9. Borrowing and spending money for unnecessary things – You borrow for things that are not necessary at the moment e.g. Wedding donations

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KWANINI U MTUMWA WA MADENI YASIYOLIPIKA?

1. Majanga ya maisha – unapopata majanga kama vile ajali au magonjwa unaweza kulazimika kukopa. Hata hivyo wakati mwingine tunaingia katika mikopo kwa vile hatujali kuweka akiba au kuwekeza.

2. Sio mwaminifu kwa Mungu – Unapomuibia Mungu zaka na sadaka anaacha kumkemea walaji wa baraka zako.

3. Kukopa ni njia yako ya kwanza katika kutatua matatizo – Ungeweza kuomba msaada au kazi badala ya mkopo.

4. Kushindana na majirani zako – unapenda kulazimisha maisha yako yawe kiwango sawa na majirani zako.

5. Kuwa na haraka ya maisha – huna Subira. Hivyo unataka vitu ambavyo ulipaswa kuvipata mwaka ujao, uvipate mwezi huu.

6. Kulimbikiza madeni – huna mpango wa urejeshaji. Unajua tu matumizi ya mikopo lakini huweki akiba kwa ajili ya kupunguza madeni.

7. Laana au roho ya umasikini – unapokopa kwenye kampuni za mikopo za kishetani, hata kama ni mkpo mdogo unashindwa kuulipa. Matokeo yake unachukuliwa vitu vya thamani au kukopa tena.

8. Kutopenda kujifunza ujuzi mpya – unajali vyeti vyako vya zamani. Hutaki kusoma kozi mpya zinazohitajika katika soko

9. Kukopa na kutumia fedha kwa ajili ya vitu visivyostahili – Unakopa kwa ajili ya vitu ambavyo sio lazima kwa sasa mf. Michango ya arusi

Dr. Lawi Mshana, 0712924234, Korogwe, Tanga, Tanzania