Rarraba kasuwar hannayen jari wani bangare ne na ribar kamfanin da ta yanke shawarar rarrabawa tsakanin duk masu hannun jarin kamfanin. Shin gyarawa da tabbacin samun kudin shiga wannan yana karɓar kowace shekara ta hannun masu hannun jari ta hanyar kasancewar mamallakin kamfanin. Aiki ne waɗanda kamfanonin da aka jera a kasuwannin daidaito ke aiki tare da wasu na yau da kullun. Kuma hakan ya zama tushen samun kuɗaɗen shiga ga masu saka hannun jari waɗanda zasu sami tsayayyen kudin shiga a cikin canji kuma ba tare da la'akari da canjin farashin su a kasuwannin hada-hadar kuɗi ba.
Daga wannan yanayin gabaɗaya wanda aka gabatar ta hanyar fa'ida, dole ne a jaddada cewa wannan biyan kuɗin ga masu hannun jari yana cikin yanayi mai kyau. Saboda gaskiyar cewa, a cikin rahoton manajan arzikin Janus Hendersom, a lokacin kwata na uku ya sake zama lokaci mai matukar kyau don haɓaka wannan dabarun kasuwancin. Har zuwa batun cewa biyan kuɗi ta wannan hanyar rarrabawa ya girma fiye da 5% idan aka kwatanta da shekarar da ta gabata, wanda ya kai kusan dala miliyan 350.000.
Duk da yake a ciki España Dabara ce da yawancin kamfanonin da aka lissafa a kasuwannin daidaito ke amfani da ita, daidai wuraren kasuwanci ne a cikin Amurka, Kanada, Taiwan da Indiya waɗanda ke jagorantar rarraba kwata-kwata. Tare da bayyana, tare da tsananin ƙarfi, na kamfanonin kasar Sin waɗanda zasu iya kasancewa ɗayan manyan abubuwan al'ajabi game da rarraba riba daga waɗannan lokutan daidai. A cikin kowane hali, dawowar ajiyar kuɗi yana taɓarɓarewa a cikin iyakokin kasuwanci wanda ya tashi daga 2% kuma har zuwa kusan 10% a wasu lamura.
Rarraba: abin da ya sani
A Turai gaskiya ne cewa yawancin kamfanoni rabon riba a cikin kwata na uku na shekara, amma tare da bayanin da dole ne kuyi la'akari da ƙimar shi. Ba wani bane face wannan ƙarin kuɗin da aka ƙaru a wannan lokacin. Wannan a aikace yana nufin ƙaramin da matsakaitan masu hannun jari zasu karɓi ƙarin kuɗi don dorewar su a cikin mahaɗan. A cikin rabo na aƙalla rabin kashi ɗaya bisa ɗari game da sauran lokutan da suka gabata. Inda kamfanonin Spain suke taka muhimmiyar rawa don cimma burin cin riba a cikin hannun jari.
A wannan ma'anar, ɗayan batutuwan wakilci shine na lantarki Endesa wanda ke da alhakin rarraba 100% na ribar sa. Tare da rarar riba wanda ya kai yawan riba na shekara shekara ana garantin kowace shekara tsakanin 7% da 8%. Ofaya daga cikin mafi girma a cikin zaɓin zaɓaɓɓen lambobin Spanish, Ibex 35. Ta hanyar manufofin kasuwanci wanda ke ƙarfafa wannan biyan kuɗin ga masu hannun jari sama da sauran ƙididdigar fasaha kuma wataƙila ma daga mahangar ra'ayi.
Shin ya dace don zuwa wannan biyan?
Tambayar da dole ne ku tambayi kanku shine ko yana da daraja a ƙarshe don zuwa irin wannan biyan kuɗi a cikin daidaito. Kamar yadda tabbataccen maki zaku sami tsayayyen biya kowace shekara, duk abin da ya faru a kasuwannin kuɗi. Ko da a cikin yanayi na babban tashin hankali da rashin kwanciyar hankali a kasuwannin kuɗi. A gefe guda, kayan aiki ne mai inganci don ƙirƙirar tsayayyen jakar tanadi don matsakaici da dogon lokaci. Tare da dawo da sama da waɗanda kayan banki daban-daban suka bayar (ajiyar kuɗi, bayanan tallafi na kamfanin ko asusu mai girma). A cikin mafi kyawun al'amuran, suna ba ku ɗan takara da sha'awa na shekara kusan 2%.
Bugu da kari, ana iya amfani da riba don daidaita asarar da za ku iya bunkasa a kasuwannin hada-hadar kudi daga wadannan daidaitattun lokuta. A matsayin makami don iyakance ko sauƙaƙe su. Ba a banza ba, idan kun ga cewa ayyukanku suna rage darajar 4% Kuna iya daidaita wannan aikin tare da rarar kuɗin da ke ba da rahoton ribar shekara-shekara sama da 5%. Misali, wanda kamfanonin makamashi da wutar lantarki suka samar da wasu a bangaren aiyuka.
Sauran fa'idodi
A gefe guda, wannan mahimmin rarraba tsakanin masu hannun jari ya kawo wani jerin fa'idodin da ba za ku sami zaɓi ba sai dai ku sani daga duk ra'ayoyi. Tabbas, ɗayan mafi dacewa shine sassaucin da wasu kamfanoni ke bayarwa don ku tattara shi. Ta hanyoyi daban-daban kamar wanda ke tafiya kai tsaye zuwa ga buyback na sabon hannun jari ko kuma kawai don su je asusun binciken ku a daidai lokacin da aka tsara biyan kuɗin su. Kuna iya zaɓar yanayin tare da cikakken 'yanci dangane da dabarun da zaku haɓaka da kuma bayanan martabar da kuka gabatar a matsayin ƙaramin matsakaici da matsakaitan mai saka jari.
A wannan ma'anar, ba lallai ne a daidaita rarar ba, amma akasin haka, suna iya bambanta dangane da ribar da kamfanoni ke samu a kowace shekara. Yana iya ma zama lamarin da zasu iya sokewa, dindindin ko na ɗan lokaci, idan akwai yanayin tattalin arzikin ku, kar ku samar da wannan damar. A cikin kowane yanayi, ya kamata ka tuna cewa ba koyaushe iri ɗaya bane kuma yana da mahimmanci a gare su su bambanta, kodayake ba tare da ƙarfin wuce gona da iri ba, kamar yadda zaku iya gani tare da mahimman ƙididdigar lambobin Spain.
Dokokin da za a bi
Wani bangare da yakamata kuyi la'akari dashi daga yanzu shine akwai jerin dokoki waɗanda dole ne a girmama su yayin rabon riba. A kowane yanayi, ya kamata ka san su don kar ka sami wani abin mamaki game da wannan tsarin raba riba na musamman. Shin kana son sanin wasu abubuwan da suka dace game da wannan rarraba kuɗin? Da kyau, ɗayansu yana zaune a cikin gaskiyar cewa abin da aka ambata a sama dole ne a yarda da shi ta hanyar Babban Taro, yarda kan hanyar biyan kuɗi da kuma lokacin da za a yi shi. Idan kai mai hannun jari ne na kamfanin, dole ne su sanar da kai a matsayinka na mai hannun jari da gaske kake.
A gefe guda, 'yan wasa yakamata ayi gwargwadon rabon abokin tarayya a cikin babban jari Saboda akwai hanyoyi da yawa don aiwatar da wannan biyan bashin ga mai hannun jarin kuma waɗannan sune waɗanda zasu yanke hukuncin ribar da zata biyo baya. Kar ka manta cewa koyaushe ba zai zama daidai ba a kowane yanayi tunda rabon rabawa ne wanda yake da sassauƙa kuma yana ba da sabon gudummawa ga ainihin ma'anarta. A gefe guda kuma, dole ne a kula da ranar da dole ne a tattara rarar, duk da cewa an tara wannan rarar a wani lokaci na gaba. A cikin kowane hali, zai zama dole a sanya shi a cikin ƙimar uku kafin ta aiwatar da biyan ta.
Mafi kyawun biya a cikin 2018
Dangane da rahoton kwata-kwata na manajan kasa-da-kasa Janus Henderson, akwai kamfanoni da yawa da suka ci gajiyar wannan rarraba kan ribar kamfanonin a wannan lokacin da aka yi nazarin su. Kamfanin wutar lantarki Iberdrola shine wanda ya fi dacewa ya fito daga wannan binciken, yana rarraba kusan dala miliyan 1.300 tsakanin duk masu hannun jarinsa. Ana bin sa daga wani nesa ta ayyukan da Banco Santander tare da dala miliyan 1.200 kuma a wani babban matakin hannun jari na NATURGY, Repsol da Endesa, waɗanda ke kula da rarraba tsakanin dala miliyan 800 zuwa 900 kowannensu.
A cikin wannan yanayin gabaɗaya, ya kamata a lura cewa Spain ita ce ƙasa ta biyu ta Turai inda rabon riba ya yi rijistar ƙaruwar shekara-shekara a cikin kwata na uku, kawai a bayan Italiya, tare da karuwa kusan 19%. Yana ɗaya daga cikin manyan abubuwan da ke ba da gudummawar hannun jarin ƙasa a wannan lokacin, kodayake matsakaita da ƙananan kamfanoni waɗanda suka kula da biyan masu saka hannun jari don gano fa'idodin da suka samu a kowace kasafin kuɗi sun gano raguwar wannan biyan.
Game da wannan bangare, ya kamata a sani cewa rahoton wani masanin harkokin kasuwannin hada-hadar kudi, kamar su Lofthouse, ya nuna cewa wannan shekarar da muka tafi yanzu ta kasance mai matukar juyayi kuma ta wata hanyar da ta fi rikitarwa ga kasuwannin hada-hadar hannayen jari. Kodayake a halin yanzu amincewa ta kasance cewa ci gaban kasuwanci ci gaba da inganta rarraba wannan biyan ga masu hannun jarin a ci gaba kuma sama da dukkan yanayin kwanciyar hankali daga yanzu. Sama da sauran ƙididdigar fasaha kuma wataƙila daga mahimmin ra'ayi.
A wannan shekarar, hasashen ya nuna cewa zasu kasance daidai da na kwata na ƙarshe na 2018. Kodayake har yanzu bai yi wuri ba don tantance su da kuma samun cikakken bincike akan sa. Ba abin mamaki bane, ana kiyasta cewa yana iya ƙaruwa daidai gwargwado tsakanin 1% da 2% n idan aka kwatanta da shekarar da ta gabata, wani abu da zai amfanar da masu saka jari masu kariya.