Kowa ya san cewa ajiyar ajiyar banki samfurin kuɗi ne wanda abokin ciniki ke ba da adadin kuɗi ga cibiyar bashi na wani lokaci don musanyar wani kuɗin ruwa. An haɗa shi cikin samfuran dangane da ƙayyadadden kuɗin shiga kuma ya shahara sosai saboda yana ba da tabbacin ajiyar masu nema, tare da ƙaramar riba a wannan lokacin sakamakon farashin mai rahusa. Saboda wannan, your matsakaita riba a cikin shekarar da ta gabata ya kasance 0,10% a cikin lokutan ƙasa da watanni 12. Tare da sakamakon rashin gamsuwa daga bangaren masu ajiya.
Amma abin da wasu ƙanana da matsakaita masu saka jari ba su sani ba shi ne cewa ajiyar ajiyar kuɗi na iya haɗuwa da kasuwar hannun jari don haɓaka iyakokin tsaka-tsaki. Amma ba zato ba tsammani, idan aƙalla don haka suna da babban kira tsakanin masu amfani da banki. Kari akan haka, ana iya aiwatar da wannan dabarar tare da tsaro guda daya ko kuma da kwandon hannun jari ko ma a danganta shi da fihirisan da suka fi dacewa a duniya. Misali, Dow Jones, FTSE 100 ko Eurostoxx iri ɗaya 50. Babu kusan babu takurawa a wannan batun. Abu mafi rikitarwa shine bankunan kansu suna tallata su.
Daga wannan yanayin gabaɗaya, tsarin da wannan samfurin ajiyar ya samar ya ɗan bambanta da na ajiyar kuɗi. Sabili da haka yana da matukar dacewa ku san shi idan 'yan ƙalilan masu zuwa ku ji cewa kuyi hayar ɗayan waɗannan samfuran. Saboda yakamata ku san cewa ajalin ajiyar bankin yana da alaƙa da bolsa ci gaba da kula da wani lokaci na dindindin da zai iya zama na 24, 30, 40 ko ma fiye da watanni. A kowane hali, abin da ba za ku taɓa gani ba shine tilasta waɗannan halayen a cikin gajerun maganganu. Tabbas ba don kawai ba zai yiwu ba saboda halayenta na musamman.
Haraji, yana da alaƙa da kasuwar hannun jari?
Kasancewar wannan mahaɗan haɗin yana da dalilin inganta riba daga gare ta. Na musamman kuma na musamman saboda a wani bangaren tsarinta ya kasance iri daya, na bar wasu bambance-bambance da zamu nuna muku daga yanzu. Wani abin da ke tabbatar da cewa ya zama ta wannan hanyar shine gaskiyar cewa kasuwar hannayen jari ta zama shahararren samfuri tsakanin ƙanana da matsakaitan masu saka jari. Inda kusan dukkansu suna sane da ayyukansu da yadda ake siye da siyar da hannayen jari a kasuwannin kuɗi. Wannan batu ne na yarda da ƙirar waɗannan samfuran da ke nufin tanadi da ƙetaren ƙididdigar fasaha.
A gefe guda, ajiyar ajiyar banki da waɗanda ke da alaƙa da kasuwannin daidaito garanti a kowane lokaci gudummawar tattalin arzikin kwastomomi. Gaskiya ne cewa ɗakunan ajiya na banki sune na tsayayyen riba. Ina ribarsa ba ta canzawa har zuwa karshen ajiyar kudi. A cikin waɗancan da ke da alaƙa da kasuwannin daidaito, waɗannan ƙa'idodin iri ɗaya suna bi, suna ba da garantin ƙaramar ƙaramar dawowa. T har ila yau tare da wani ajiyayyen lokacin dorewa kuma a cikin kowane yanayi dole ne a kiyaye shi sosai. Amma tare da banbancin hankali cewa fa'idar zata iya karuwa idan dukiyar kudi wacce aka danganta ta da ajiya ta cimma burinta a cikin farashinta.
Wace sha'awa za su iya bayarwa?
Daya daga cikin tambayoyin da masu tanadi ke yiwa kansu shine fa'idodin da zasu iya samu daga yin kwangilar waɗannan samfuran tanadi. Da kyau, zai zama aikin kai tsaye na darajar hannun jari, fihirisa ko sassan kasuwar hadahadar kasuwanci da aka haɗa a cikin aikin. Amma tare da matsakaicin iyaka wanda da wuya ya wuce 5%. Poro muddin aka cika yanayin wannan haɗin a cikin ajiyar banki. Idan ba haka ba, mai ajiyar ba zai rasa Euro guda na gudummawar kuɗin su ba. Kudaden kudin ruwa da aka kulla tare da bankin zai ma je asusun ajiyar ku.
A gefe guda, akwai mahimmin abin da dole ne a sadu da shi a kowane yanayi kuma wannan shine tsawon lokacin sanya dokar banki. Ko soke da wuri mai amfani ba shi da zabi face ya fuskanci hukunci don ci gaban wannan motsi. Wannan wani abu ne da zai iya sanyaya gwiwar mutanen da ke sha'awar hayar wannan samfurin don ajiyar kuɗi. Ba abin mamaki bane, yana ɗaya daga cikin manyan bambance-bambance dangane da wani aji na ajiyar ajiyar ajiyar kuɗi. Fiye da wasu lamuran da za ayi da aikin sa kuma hakan na iya haifar da wasu muhawara game da tsarin sa.
Shin kawai yana ɗaure ne da hannun jari?
Tabbas ba tunda an bude wa wasu kadarorin kudi daga kasuwar hada-hadar kudi, kamar yadda muka yi tsokaci a baya. Ta wannan hanyar, mai ajiyar yana da babbar fa'ida wanda zai iya zaɓar samfurin da yafi dacewa da bayanin saver ɗin sa. Kodayake kuma gaskiya ne cewa tayin ba su da yawa a wannan lokacin. Idan ba haka ba, akasin haka, suna iyakance ga jerin tsarukan tsari. Wato, babu wani babban jam'i a cikin wannan rukunin kayayyakin banki. Duk da cewa shine samfurin da aka girka a cikin tayi da haɓakawa ta cibiyoyin bashi shekaru da yawa.
Wani daga cikin abubuwan da suka fi dacewa dangane da wannan matakin alaƙar ita ce ta da yankin wuri daga gare ta. Tunda suma a bude suke ga kasuwannin hada-hadar kudi na duniya, inda shawarwari daga tsohuwar nahiyar suka yi nasara. Daga wannan hangen nesan, babu kokwanto cewa zaka iya saka hannun jari a kasuwar hada-hadar hannun jari ba tare da bukatar shiga cikin saye da sayarwar hannayen jari a kasuwar hada-hadar hannayen jari ba. Ba tare da tunanin, ba shakka, haɗarin ayyukan ƙarshen. A matsayin mafi dabarun kariya don kasancewa a kasuwannin daidaito.
Abubuwan da ake buƙata don samun dama
A kowane ɗayan al'amuran, yi kwangila sanya waɗannan halaye baya buƙatar ƙoƙari sosai don masu tanadi. Idan ba akasin haka ba, saboda suna kula da kadarorin iri ɗaya na ɗakunan ajiya na gargajiya ko na al'ada. Daga waɗannan hanyoyin na yau da kullun, dole ne a jaddada cewa wannan rukunin samfuran suna da sauƙin kwangila ga duk bayanan masu amfani da banki. Da kyau, muna nuna muku abin da ya kamata ku yi daga yanzu don biyan kowane ɗayan waɗannan samfuran banki:
- Kasance abokin ciniki na ƙungiyar da ke siyar da ajiyar ajiyar banki kuma wacce a duba asusu don aiwatar da cajin aikin.
- Shin da adadin tattalin arziki don fuskantar wannan aikin kuma wanda dole ne a ƙara masa caji na yiwuwar kwamitocin da ya haɗa da ɓangarorin kwangilar sa.
- Kuma a ƙarshe, zama na shekaru kamar yadda lamarin yake a yawancin kayayyakin banki masu mahimmanci.
Idan kun cika duk waɗannan buƙatun masu sauƙi, kada ku yi shakkar cewa za ku kasance da cikakkiyar wadatar ku don sanya hannu kan kwangilar waɗannan samfuran tanadi. Wuce wa wasu sharuɗɗan fasaha waɗanda ƙirar ta na iya samarwa. Kun tabbatar da cewa ba za ku sami matsaloli da yawa ba don samun damar riba ta hanyar ajiyar lokaci. Ba abin mamaki bane, yana ɗaya daga cikin fa'idodin da aka samar ta wannan samfurin adanawa sau da yawa a cikin tayin banki.
Shin yana da riba in an ɗauke su aiki?
A kowane hali, zai zama tilas a gare ku kuyi la'akari daga yanzu ko yana da fa'ida ku ɗauki wannan rukunin na musamman a cikin ajiyar kuɗi. Domin a ɗaya hannun, ba tare da wata shakka ba zaku sami zaɓuɓɓuka don haɓaka aiki na gargajiya waɗanda waɗannan kayan banki ke samar muku. A cikin kowane hali, zaku tabbata cewa zaku sami tsayayyar dawowar komai abin da ya faru a kasuwannin kuɗi. Isaramar ma'ana ce ga bayanan martaba tare da mafi ƙarancin kariya kuma hakan na iya karkata zaɓinku zuwa lalata wasu samfuran hadaddun ko masu tsaurara ra'ayi.
Kuma a gefe guda, ba za ku sami duk darajar da za a iya samu a kasuwannin daidaito ba. Idan ba ɗan ɗan kaɗan ba dangane da hauhawar farashin da kwandon hannun jarin da ke da alaƙa da harajin da aka yi rajista na iya fuskanta. A wannan yanayin, idan abin da kuke so shine riba mai yawa, tabbas ba ku kallon samfurin da kuke so. Daga cikin wasu dalilai saboda ba za ku taɓa samun damar wuce fa'idodi ba kuma hakan yana gaba ɗaya a 5% matakan. Domin idan abin da kuke so shi ne saka hannun jarin ku a cikin kasuwar hannun jari yana da kyau ku tafi kai tsaye zuwa saye da sayarwar hannun jari a kasuwannin kuɗi.
Wani yanayin da yakamata ku bincika don sanin idan biyan kuɗin waɗannan kuɗin yana da fa'ida shine idan zaku iya ɗaukar lokaci mai yawa tare da kuɗin da aka saka. Ba abin mamaki bane, sharuɗɗan dindindin nasu ya yi yawa sosai, musamman idan aka kwatanta da sauran ɗakunan ajiya na banki na yau da kullun. Saboda ƙila ba zai iya rama maka aiwatar da waɗannan ayyukan a cikin dogon zango a tsawon su. Fiye da wasu ƙididdigar fasaha waɗanda zaku tantance daga waɗannan ƙayyadaddun lokacin. Saboda kudi masu yawa suna cikin hadari.