Thursday, 7 June 2007

SHERIA YA TAFLISI

1.TAFLISI MAANA YAKE NINI?


Tanzania kama nchi nyingine duniani,uwekezaji/ujasilimali na ukopaji wa benki au taasisi za fedha umekuwa ukiongezeka na biashara zimekuwa zikianzishwa na watu binafsi au kwa Ushirika.Asilimia kubwa ya watanzania wamekuwa wakijiajiri wenyewe hasa baada ya ajira za serikali kuwa ngumu.Vile vile ahadi ya serikali kutoa shilingi bilioni mija imehamasisha ufunguaji wa biashara za aina mbali mbali.Lakini hakuna hakika kama biashara hizo zinaweza kudumu kwa zaidi ya miaka mitano mpaka kumi.
Mara nyingi biashara hizo huanguka kutokana na ukosefu wa elimu ya biashara na kuzifanya ziangukie madeni makubwa na kukaribisha mlolongo wa kesi mbalimbali zikiwamo za kutaka kuwafilisi.
Taflisi ni mashauri ambayo yanafunguliwa pale ambapo mdaiwa hawezi kulipa madenia yake au pale mtu ambaye anamdai hajatimiliziwa deni lake,hivyo basi katika mazingira hayo mali zake huchukuliwa na kugawanywa kwa watu wanaomdai.

Ni tangazo rasmi la kisheria la kutokuwa na uwezo wa kulipa madeni.Hii inatokea
pale madeni yanapokuwa makubwa kuliko mtaji.

Kuna sheria mbili zinazoonyesha utaratibu wa kufanya mambo endapo suala la kutokuluoa madeni linajitokeza.Kuna hili suala la makampuni kushindwa kulipa madeni.Hili mahala pake ni kwenya sheria ya makampuni.Hivyo basi kama unaidai kampuni na unataka ilazimishwe kulipa madeni kwa namna inayofanana na kufilisiwa,njia muafaka ni kufuata sheria ya makampuni.Lakini linapokuja suala la watu binafsi,washirika wa biashara[partnership]na vyombo ambavyo si makampuni,basi sheria muafaka ni sheria ya Taflisi

Lengo hasa la sheria hii ni kuhakikisha kwamba madeni yanalipwa ili uchumi uende mbele.


2. SHERIA IMETAJA MAMBO YAPI AMBAYO YAKITENDWA YANAONYESHA TAFLISI
Sheria imeorodhesha mambo ambayo mdaiwa akiyafanya anahesabiwa kuwa ametenda tendo la kufilisika

i].Endapo mdaiwa akiwa na nia ya kukwepa au kuchelewesha wadai wake atafanya kati ya mambo yafuatayo

a]Atakwenda nje ya nchi au akiwa nje ya nchi anaendelea kubaki huko huko lengo hasa la kufunga safari ni kuchelewesha au kuwakwepa wadeni wake

b]Atahama nyumbani kwake au hataonekana nyumbani kwake au anajificha lengo hasa lengo hasa la kuhama,kujificha au kutoonekana ni kuchelewesha au kuwakwepa wadeni wake.

ii].Endapo atafungua shauri mahakamani kutangaza kwamba hana uwezo wa kulipa madeni au atafungua shauri la Taflisi dhidi yake yeye mwenyewe.Hii ni pale anapoona sasa mambo yamekuwa mabaya na kila siku wadaomdai wanamsumbua.

iii].Akitoa Taarifa kwa watu wanaomdai kwamba amesimamisha au anatarajia kusimamisha ulipaji wa madeni yake.Katika hali hii inadhaniwa kwamba amefilisika.

iv]Vilevile kama mali zake zimekamatwa kwa amri ya mahakama katika kesi ya madai na na baada ya kukamatwa zimeuzwa au zimeshikiliwa na dalali kwa muda wa siku ishirini na moja.Sasa kama mali zako zimekamatwa au zimeuzwa kwa amri ya mahakama na ndizo hizo ulizokuwa ukifanyia biashara,basiumefilisika.

v].Vile vile kama mdai wake ameshinda kesi dhidi yake kwa kiasi chochote na mdaiwa hajazuia utekelezaji wa hukumu hiyo na baada ya kupewa taarifa ya siku saba kuhusu hukumu hiyo,hajachukua hatua zozote kulipa kiwango kilichoonyeshwa.Katika mazingira kama hayo kama basi inahesabiwa kwamba umefilisika.

vi]Endapo atahamishia mali zake kwa wadhamini wake kwa faida ya wadai wake.Wadhamini hawa wanakuwa na jukumu la kuzisimamia na kulipa madeni husika.

vii]Endapo atahamisha,atatoa zawadi,atabadililisha umiliki wa mali zake zote au sehemu kwa nia mbaya ili akwepe kulipa madeni yake.Hii inatokea pale ambapo mtu akijua kwamba sasa ameyumba kibiashara kama alikuwa ana magari nyumba au chochote kile anatoa zawadi,au kuhamisha umiliki ili siku ya kuja kukamata mali zake akutwe hana kitu kumbe amewapa watoto au watu wake wa karibu


3.NI NANI ANA UWEZO WA KUFUNGUA SHAURI LA TAFLISI

Sheria imewapa watu wafuatao mamlaka ya kufungua shauri la Taflisi

A] MDAIWA
Kifungu cha nane cha sheria kinampa uwezo mdaiwa kufungua shauri la Taflisi.Katika shauri hili muhusika ataonyesha kwamba hana uwezo wa kulipa madeni yake.Na kwa kufungua shauri hilo mdaiwa atakuwa ametenda kitendo cha kufilisika hata kama hatafungua shauri la kutangaza kutokuwa na uwezo wa kulipa madeni.
Baada ya kufungua shauri hilo mdaiwa haruhusiwi kuliondoa mahakamani bila ruksa ya mahakama

B] MDAI
Mdai nae ana haki ya kufungua Shauri la Taflisi kwa kiapo na wakati wa kusikiliza shauri husika mahakama itataka
i]uthibitisho wa deni au ushahidi.
ii]ushahidi kwamba mdaiwa ana taarifa juu ya kufunguliwa kwa shauri hilo na v
iii] ushahidi kwamba mdaiwa ametenda tendo la kufilisika kama tulivyoyaongelea hapo juu

Kama mahakama itajiridhisha kwamba, deni halina uthibitisho,au mdaiwa hajatenda tendo la Taflisi au mdaiwa hana Taarifa juu ya kufunguliwa kwa shauri husika au imejiridhisha kwamba mdaiwa bado ana uwezo wa kulipa madeni italitupilia mbali shauri hilo
Shauri lililofunguliwa na mdai halitaondolewa bila ruksa ya mahakama

4.SHERIA IMETOA VIGEZO VIPI KWA MDAI ILI AWEZE KUFUNGUA SHAURI LA TAFLISI

Mdai anatakiwa kabla ya kufungua shauri hilo ajiridhishe na yafuatayo.

i] Deni analomdai mdaiwa au kama ni wadai zaidi ya mmoja na wameamua kufungua shauri hilo,kiasi cha jumla ambacho wanamdai muhusika kinafikia shilingi elfu moja

ii] Kiasi kinachodaiwa kiko katika pesa Taslimu ambacho kinatakiwa kilipwe haraka au muda mfupi ujao unaofahamika.Hapa lengo la sheria ni kuangalia mambo ambayo yako wazi kwa pande zote mbili.Kwa mfano suala la kudhalilishwa kiwango cha pesa cha fidia hakiko wazi.Lakini kama ni suala la mkataba ambao kiwango cha malipo kiko wazi na muda wa kulipa unafahamika kwa wahusika wote,kinafaa kwa Taflisi
iii]Vitendo vilivyotajwa hapo juu vinavyoonyesha kwamba mtu amefilisika vimetokea ndani ya miezi mitatu kabla ya kufungua shauri

iv] Mdaiwa ni mkazi wa Tanzania au ndani ya mwaka mmoja kabla ya kufungua shauri alikuwa mkazi wa Tanzania au ni Mkazi au ana nyumba ya kuishi au sehemu ya kufanyia biashara au amewahi kufanya biashara ndani ya Tanzania yeye mwenyewe au kupitia kwa muwakilishi au msimamizi


5.MAHAKAMA INA MAMLAKA YAPI BAADA YA KUPOKEA KESI YA TAFLISI

i] AMRI YA USIMAMIZI
[section 5] Mahakama mara tu baada ya kupokea shauri la Taflisi ina mamlaka ya kutoa amri ya kuweka mtu ambaye atachukua jukumu la usimamizi wa mali za mtu ambaye anatakiwa au anataka kufilisiwa.Lengo hasa la amri hiyo ni kulinda mali na vitu vya mtu anayetakiwa au anayetaka kufilisiwa.

[section 9]Mara tu baada ya kutolewa amri ya kuhamisha utawala wa biashara,mtu aliyepewa mamlaka hayo atakuwa amepewa uhalali wa kuendesha mambo ya mdaiwa.Na hakuna mdai wa deni ambalo liko katika Taflisi atakuwa na haki juu ya mali za mdaiwa au atafungua kesi mahakamani bila ruksa ya mahakama na mahakama inaweza kuweka masharti kadri itakavyoona inafaa

Mahakama vile vile ina uwezo,muda wowote baada ya shauri kufunguliwa,kusimamisha utekelezaji wa hukumu
[Section 16] Mara baada ya amri ya usimamizi kutolewa,mdaiwa anatakiwa kuwasilisha mambo yote kuhusiana na biashara kwa njia ya kiapo ikionyesha mali na madeni yake,dhamana zake.
Mdaiwa atahojiwa chini ya kiapo na kama atakataa kujibu maswali atakuwa amedharau mahakama na anaweza kuadhibiwa.
MKUTANO WA MAHOJIANO NA MDAIWA
Mahakama vile vile inatakiwa iitishe mkutano kati ya mdaiwa na wadeni wake ili wamhoji mdaiwa kuhusu mwenendo wake,shughuli zake na mali zake


6. BAADA YA SHAURI KUFUNGULIWA, MDAIWA ANA NAFASI YA KUJADILIANA NA WADAI WAKE
Sheria inampa nafasi mdaiwa alete mapendekezo ya jinsi ya kushughulikia tatizo lililomkumba la kushindwa kulipa madeni.Hii inakuwa kama maafikiano kati ya wadai na mdaiwa.Ni mkataba maalum kati ya mdaiwa,wadai na mdhamini ambaye mara nyingi huteuliwa na mahakama na lengo lake hasa ni kutatua tatizo la ulipaji wa madeni

Katika makubaliano haya mdaiwa atatakiwa kuambatanisha majina ya wadhamini au dhamana ya mpango husika.

Baada ya mdaiwa kuleta mapendekezo yake ya kulipa madeni.Afisa aliyepewa majukumu ya kusimamia mali za mdaiwa anatakiwa aitishe mkutano wa watu wanaomdai na atawapatia nakala ya mipango anayopendekeza mdai ya jinsi ya kuwalipa.

Na kama katika mkutano huo asilimia kubwa ya watu wanaomdai muhusika watakubaliana na mpango mzima wa jinsi ya kulipwa,basi itahesabiwa kwamba mpango umekubalika na endapo utapelekwa mahakamani na mahakama ikaukubali,basi utakuwa na mkataba halali na utawabana wahusika wote wautimilize.Na mtu yeyote ambaye ni sehemu ya mkataba huo atakuwa na uwezo wa kwenda mahakamani kuomba mahakama itoe amri ya kuutimiliza

Mahakama kama itaona kwamba mpango mzima hauna faida kwa wadai au mambo yaliyomo kwenye mkataba huo hayana mantiki,basi ina uwezo wa kuukataa.



7. JE MAJADILIANO ULIYOYASEMA HAPO JUU YAKISHINDIKANA SHERIA HATUA ZIPI HUFUATA


8. BAADA YA KUTANGAZWA MUFLISI SHERIA INAMBANA KIASI GANI ILI ALIPE MADENI YAKE

i]Sheria inataka mdaiwa ahudhurie mkutano wa kwanza kati yake na watu wanaomdai, na atatakiwa awasilishe katika mkutano huo maelezo yote kadri yatakavyokuwa yanahitajika katika mkutano huo.Mara nyingi maelezo hayo huhusisha jinsi muhusika alivyokuwa akiendesha biashara,mali zake na jinni ambavyo atasaidia katika mchakato mzima wa ulipaji wa madeni
-Vile vile atatakiwa atoe orodha ya watu wanaomdai na anaowadai
-Sheria inamtaka atumie uwezo wake wote kusaidia upatikanaji wa mali zake na mgawanyo wake kwa watu wanaomdai
-Anatakiwa vile vile atoe anuani yake sahihi,anuani ya makazi yake,eneo la biashara zake na anuani.Na kila baada ya miezi mitatu anatakiwa alete taarifa kuhusu ajira yake,mshahara,mapato

ii]KUKAMATWA
-Sheria inaruhusu kukamatwa kwa mdaiwa,karatasi alizonazo,pesa au bidhaa alizonazo
Hii hutokea pale ambapo inadhaniwa kwamba anaweza kutoroka,au kuficha bidhaa hizo au kuharibu bidhaa hizo au karatasi hizo au kuzificha
-Vile vile hii hutokea pale anapoitwa na mahakama kwa ajili ya mahojiano na amekataa kuitikia mwito

iii]MAWASILIANO
Sheria vilevile inaruhusu kwamba barua za mdaiwa ,telegramu na vifurushi vingine vilivyokuwa vikielekezwa kwa mdaiwa vibadilishwe muelekeo na viende kwa kwa Afisa wa Posta Mkuu au maofisa wake


iii]MAHOJIANO
Sheria inawapa mamlaka wadhamini au wasimamizi wa biashara ya muhusika kuomba kufanya mahojioano na mdaiwa au mkewe au mtu yeyote anayefahamika au kudhaniwa kuwa anaweza kuwa na mali za mdaiwa au anadaiwa na mdaiwa/mufilisi
Kama itabainika kwamba mtu yeyote anadaiwa ataamuriwa alipe,kama ana mali za mdaiwa azirudishe
ISIPOKUWA
[s.43] Katika kukusanya mali kwa kwa ajili ya kulipa madeni,kama mdaiwa alikuwa amepewa mali ashike kwa niaba ya mtu mwingine,mali hiyo haitakamtwa
-Vile vile vifaa vyake vya kufanyia kazi ili apate ridhiki na nguo zake za kuvaa na kutandika katika kitanda chake i.e magodoro/shuka/kitanda ambavyo ni kwa ajili yake na watoto wake na mkewe ambavyo thamani yake kwa ujumla haizidi shilingi mia tano.
KUKAMATA MSHAHARA
Sheria vile vile inaruhusu kukata mshahara wa muhusika na kuugawanya kwa watu wanaomdai,lakini lazima wapate kibali cha mkuu wa idara husika

UTEUZI WA MDHAMINI
Katika kumdhibiti zaidi mdaiwa ili alipe madeni yake sheria imeruhusu uteuzi wa wadhamini ambao watachukua umiliki wa mali za muhusika kwa nia ya kuzitumia hizo kufanikisha ulipaji wa madeni
-atauza mali zote au sehemu ya mali hizokwa mnada au mikataba binafsi akiwa na mamlaka ya kuhamisha umiliki au kuiuza kwa vipande vipande
-atakuwa na uwezo wa kutoa risiti za mauzo
-kupangilia mfumo wa madeni
-kushughulikia mali hizo kama ambavyo mmiliki wake angezishughulikia
Kazi ya mdhamini itaisha pale tu atakapohakikisha kuwaamekusanya mali za mdaiwa na kulipa madeni husika,au ameandaa mpango maalumu wa jinsi ya kulipa madenia na mpango huo umekubaliwa na mahakama,au pale atakapokuwa amestaafu

10. NI NINI MADHARA YA KUTANGAZWA MUFILISI
Kutangazwa kuwa umefilisika kuna madhara yake kisheria kwenye hadhi ya muhusika ambaye ametangazwa
i].Mtu aliyetangazwa kufilisika haruhusiwi kuteuliwa kuwa mlinzi wa amani
ii].Hairuhusiwi kuteuliwa au kushika au kufanya kazi kama meya wa eneo lolote,au diwani au kuwa mjumbe wa mamlaka ya mji,kamati ya shule au bodi ya barabara
Na endapo mtu atatangazwa kuwa amefilisika na katika kipindi hicho alikuwa anashikilia nafasi ya ulinzi wa amani,umeya,udiwani au ujumbe wa mamlaka ya ya mji au bodi ya barabara,basi mara baada ya kutangazwa hivyo,ujumbe wake katika sehemu hizo utakoma mara moja
Lakini vigezo hivyo vinaweza kuondolewa au kukoma pale ambapo
i].kutangazwa kwake kufilisika kumefutwa
ii].Miaka mitano imepita tangu awe alipoomba mahakama imwondolee hali ya kutangazwa kufilisika
iii].Amepata kutika mahakamani hali ya kuondolewa kufilisika na amepewa cheti kuonyesha kwamba kufilisika kwake kulitokea kwa bahati mbaya nay eye hakuchangia lolote katika kufilisika kwake.Kwa mfano anaweza kuwa amefilisika kwa sababu baada ya kukopa au kufanya biashara aliugua,au aliibiwa au kulitokea janga la kiasili ambalo lilimsababishia hasara kubwa e.g. matetemeko ya ardhi,Katrina e.t.c.

Vile vile sheria inamkataza mtu yoyote aliyetangazwa kwamba amefilisika kuendesha au kusaidia au kushiriki katika kuendesha au kukubali kuajiriwa katika biashara yoyote inayomilikiwa aidha nay eye mwenyewe au yeye mwenyewe pamoja na mtu mwingine au ndugu yake wa damu au wa kuasili mpaka pale atakapotoa maombi mahakamani kwa ajili ya ruksa ya kufanya hivyo na awe amepata ruksa hiyo.
Wakati wa kusikiliza maombi hayo mahakama itasikiliza ripoti ya mtu aliyepewa kazi ya kusimamia biashara za muhusika ambaye atatoa ripoti kuhusu tabia na mwenendo wa muhusika na inaweza kumwekea masharti kadha wa kadha ili asije akaiingiza biashara hiyo nyingine katika mkondo wa kufilisika kama ile ya mwanzo.Na kama atashindwa kuyatii masharti hayo msimamizi wa biashara yake anatakiwa atoe taarifa mahakamani.
Ni kosa la jinai kwa mtu yeyote aliyefilisika kuendesha,au kusaidia katika kuendesha au kukubali kuajiliwa katika shughuli au biashara bila kupata kibali cha mahakama
Kuna sheria nyingine mbali mbali ambazo vinawazuia watu kufanya mambo mbalimbali kufanya shughuli Fulani kama wametangazwa kufilisika na amri hiyo haijaondolewa

-Sheria ya Mawakili kifungu cha 37 kinasema pale tu wakili anapotagazwa kufilisika,pale pale hadhi yake ya uwakili inasimamishwa na hataweza kufanya kazi ya uwakili mpaka hali hiyo ya kufilisika iondolewe

-Sheria ya Mikataba vile vile inasema kwamba kutegemea na aina ya mkataba wa Ushirikiano wa kibishara,kufilisika kwa mmoja wa washirika wa kibiashara ni moja kati sababu zinazoweza kuvunja ushirika hou

-Sheria ya Makampuni kufungu cha 143 vilevile kinasema kwamba mtu yeyote ambaye ametangazwa kufilisika na amri hiyo bado iko hivyo haruhusiwi kuwa katika bodi ya wakurugenzi wa kampuni husika na ikibainika hivyo,atatuhumiwa kwa kosa la jinai na akipatikana na ataadhibiwa kwa kupewa kifungo cha miaka miwili jela au faini ya ashilingi elfu hamsini.


11. MDAIWA ANAWEZA KUOMBA MAHAKAMA IMTANGAZE HURU KUTOKA KATIKA HALI YA KUFILISIKA?
Mtu aliyefilisika,muda wowote baada ya kutangazwa amefilisika na mahakama,anaweza kuomba mahakama imuweke huru kutoka katika tatizo la kufilisika.Amri hii humuweka huru dhidi ya madeni yake yote ya zamani isispokuwa madeni dhidi ya serikali,madeni yaliyopatikana kwa njia za biashara ambazo si za uaminifu au jukumu la utunzaji wa familia

Wakati wa kusikiliza ombi hilo mahakama itaangalia taarifa ya msimamizi wa mali zake kuona kama alikuwa anafanya biashara kiuaminifu au alikuwa anacheza rafu.Katika mazingira hayok mahakama inaweza kukubali au kukataa ombi lake au kuliahirisha kwa muda.Vilevile mahakama inao uwezo wa kutaka hukumu ya makubaliano itolewwe kwa kiasi cha deni ambacho hakijalipwa ambayo itakuja kukaziwa baadae na ambayo haitatimilizwa bila ruhusa ya mahakama.

Lakini kama mtu aliyefilisika atairidhisha mahakama kwamba masharti aliyopewa ni magumu anaweza kuomba yalegezwe[s.29]

Lakini hata kama mahakama itampa uhuru dhidi ya amri ya kuitwa mufilisi,ana wajibu wa kushirikiana na msimamizi wa mali zake katika kumsaidia kuzikusanya ili kulipa madeni yake.na akishindwa kutoa ushirikiano huo mahakama inaweza kufuta amri ya kumuachia huru kutoka katika hali ya kuwa mufilisi

-Amri hiyo ya kumuachia huru itamfanya asiwajibike kwa madeni yote ambayo alishitakiwa katika kesi ya kumfilisi,hivyo basi hata kama aliwalipa nusu nusu wadai wake,hawatakuwa na uwezo wa kumdai tena

MAAMUZI YA MAHAKAMA
Mahakama wakati wa kusikiliza shauri,kama ikiona kwamba hakuna haja au hakukuwa na haja ya kumfilisi muhusika au ikiona kwamba madeni husika yanalipika,itaondoa amri ya kumtangaza mufilisi muhusika.

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