Menene amfani

Kalmar leverage, kalma ce wacce aka saba amfani da ita don bayyana wani ra'ayi wanda yake da alaƙa da bashi, duk da haka mutane da yawa suna tunanin cewa wannan kalmar tana nufin tsarin satar jiki saboda rashin sani. Don kauce wa hakan, a yau za mu yi magana da ku game da abin da kalmar take nufi da yadda za a iya amfani da ita a fannin tattalin arziki, ƙari ga gaya muku abin da sanannun fa'idodi da rashin dacewar su.

Wannan ko ba a cikin duniyar kuɗi ba, lokaci ne da dole ne ku sani saboda za ku ji shi fiye da sau ɗaya.

Menene amfani

Lokacin da muke magana akan neman kudiMuna magana ne game da kalmar da ke bayyana tsarin bashi don tallafawa kowane irin aiki. Bari muyi bayanin wannan dan kyau: yaushe ne zamu aiwatar da wani aikin kudi amma ba mu so ko ba za mu iya amfani da kuɗinmu gaba ɗaya ba, ana yin wannan tare da namu kuɗin tare da rance.

Wannan tsari yana ba da fa'ida

Este nau'ikan tsarin ba da rancen kudi yana ba da fa'idodi da yawa ga mutum ko kamfanin da ke son aiwatar da shi; Daga cikin su, wanda zai ninka ribar tunda yana bada saka jari sama da wanda muke dashi; Koyaya, yana iya yin kuskure kuma maimakon samun tsammanin samun riba, kun ƙare ba tare da wata fa'ida a cikin wannan aikin ba, amma haɗari ne wanda yake gudana a cikin kowane aiki na kuɗi.

Zamu bada misali domin a fahimta sosai

Bari muyi tunanin karo na biyu cewa zamu aiwatar da ma'amala akan kasuwar hannun jari wanda zai ci mana Euro miliyan 1. Muna sane da cewa da fatan, bayan shekara guda, waɗannan hannun jarin zai ci euro miliyan 1,5 sannan kuma muka yanke shawarar siyar da su. A wannan halin, mun sami kashi 50% na jimlar dawowa.

Idan a wannan aikin, za mu aiwatar amfani da kudi A wannan halin, zamu sanya dubu 200 kawai kuma bankin zai bar mana dubu 800 (1: 3). Hakanan mun san yawan kuɗin da yake kashi 10% a kowace shekara.

A kowace shekara, hannun jarin yakai darajar euro miliyan 1,5 kuma kun yanke shawarar siyar dasu.

Kuna siyar dasu kuma dole ne ku biya abin da kuke bin ku. Na farko ba tare da euro 80.000 ga bankin ribar da darajan ku ya samar sannan kuma ku dawo da dubu 800 da bankin ya ba ku rance. Mu tuna fa mun ci miliyan 1,5 kuma muna yin lissafi kan hakan. Mun cire daga wannan fa'idar dubu 880 wadanda suka shiga bashi kuma dubu 100 dinmu na farko wadanda basa cin riba saboda mun riga mun samu. Ragowar ribar da muka bari dubu 420 ne.

A wannan lokacin kuna tunanin cewa ta hanyar saka hannun jari shi kadai, kun sami dubu 500 kuma yanzu kun sami 420 ne kawai amma dole ne ku gane cewa a cikin waɗannan dubu 500 akwai 200 ɗinku na farko don haka ainihin ribar ya kasance 300 kawai ba 420 ba. Wannan shine dalilin da yasa Amfani da kuɗi yana aiki kuma yana aiki sosai.

Rashin haɗarin haɓaka kuɗi

Yanzu zamu tafi bangare na biyu, saboda duk abin da muka bayyana maku tabbatacce ne kuma tare da samun riba mai yawa, amma ba koyaushe ke faruwa ba.

Zamu tafi harka daya amma da wani yanayi na daban. Bari muyi tunanin hakan maimakon ɗaga riba zuwa miliyan 1,5, ya ragu sosai kuma an sanya shi a 900. A nan, tun daga farko, mun san cewa mun yi asarar euro 100.000 idan ba mu karɓa ba kuma idan mun yi haka mun riga mun yi hasarar Yuro 180.000.

Yana nan ya zo mummunan ɓangare na yin amfani, tun da a farkon lamarin, munyi asarar kudinmu ne kawai kuma babu abinda ya faru; Koyaya, a magana ta biyu, munyi asara kuma muna bin bashi, dole ne mu dawo wa bankin duk adadin da muka nema tare da ruwa, wanda zai iya ninka mana bashi.

A wannan yanayin, ba da riba ba ta da fa'ida amma wani abu ne bazuwar, tunda ba zai yiwu a san tabbas idan hannun jari zai tashi ko ya faɗi a cikin shekara guda ba, kodayake a wasu lokuta idan kuna iya samun ɗan hangen nesa.

Akwai ƙarin yanayin bala'i wanda hannun jari ya faɗi har ma da ƙari. Misali zuwa 700. A wannan lokacin mun rasa duk abin da muka saka jari sannan kuma an bar mu da dimbin bashi tare da bankin wanda tabbas ba za mu iya magance shi ba.

Kasance cikin ta'aziyya Tare da irin wannan tsari, dole ne a koyaushe a yi la'akari da cewa dole ne a fara saka hannun jari, amma a cikin abin da muka san cewa kuɗin shiga (lokacin da ya shafi kamfani) zai kasance mafi girma. Wannan ita ce kadai hanya wacce, koda amfani da ruwa yayi kuskure, zaku iya kasancewa cikin yankin aminci, tunda zaku fara samun nutsuwa kamar yadda kamfanin ya samu.

Bugun kudi.

A cikin duniyar kuɗi, kowa ya ba da ma'anar amfani a matsayin rabo tsakanin babban birni wanda mutum yake da shi da darajar da yake da ita.

Nawa ne banki yawanci yake bayarwa a cikin aikin haɓaka

Don baku ɗan ra'ayi, ga kowane Yuro da kuke da shi na kanku, bankin zai sanya Yuro 4. Yana da wuya cewa banki zai ba ku ƙarin, tunda idan ba daidai ba, da banki na iya dawo da kudinka, amma tare da mafi girma%, asarar ga mutun zai yi yawa kuma saboda haka ga bankin ma.

Daga ina lamunin kuɗi yake zuwa

Wannan tsarin ya faru a karo na farko a cikin 2007 lokacin da aka samar da kumfa a cikin Amurka da Spain. A wannan halin, anyi tunanin cewa farashin gida koyaushe zai tashi, amma wata rana sun fara faɗuwa kuma dole ne a ɗauki tsauraran matakai.

Lokacin da za a yi amfani da kuɗi

Sharadin hada-hadar kudi don faruwa shine dawowar dole ne ta kasance mafi girma fiye da yawan riba ba mu bashi.

Me yasa yakamata ayi amfani dashi don amfani ta amfani da bashi ko lamuni

Lokacin da muke amfani da wannan hanyar, wannan yana haɓaka babban jarin da za mu samu, tunda ana amfani da shi don faɗaɗa ayyukan ba tare da ƙarancin kuɗi ba.

Wanene zai iya amfani da riba ta kuɗi

Kodayake kowane fanni na iya yin amfani da shi, amma bangaren kuɗi ne suka fi amfani da wannan hanyar, tunda shi ne yake buƙatar mafi yawan riba.

Ba dukkan kamfanoni bane suke iya yin alfanun kudi ba. Me yasa?

A yawancin leverages, akwai haɗarin cewa abubuwa ba zasu yi aiki da kyau ba, wanda zai iya haifar da kamfanin na iya yin fatarar kuɗi. A lokuta da yawa, sha'awa akan darajar da suka bayar da kuma darajar ita kanta, suna haifar da asara waɗanda ba za a iya rufe su ba kuma sun fahimci cewa zai fi kyau da ba ayi amfani da wannan hanyar ba.

Abin da ya kamata kamfanoni su sani kafin aiwatar da shi

A cikin kowane nau'in haɓakaMabuɗin shine saka hannun jari mai yawa fiye da yadda zaku sami babban riba, amma yakamata koyaushe ku sami ƙarin solvency a waje da wannan damar idan abubuwa ba suyi kyau ba. Lokacin da muka ce an yi ma'amala da yawa, a zahiri muna nufin cewa ma'amala yana da bashi a tsakiya (bashin da muke tare da banki).

Lokacin da muke amfani da kuɗi mai yawa a cikin bashi, yawanci dole ne muyi biya mafi riba game da su, wanda a ƙarshen zai iya haifar mana da matsalolin dawo da kuɗin banki ko rashin samun kuɗi kamar yadda muka zata da farko.

Bayan haka, dole ne ku ma san irin tasirin da suke ba mu. Misali, idan banki ya gaya mana cewa zai bamu karfin gwiwa 1: 2, sai yace mana duk kudin Euro da muka saka, zasu bamu bashi na euro 2. Lokacin da suka gaya mana 1: 3, zai zama yuro 3 daga banki akan kowane euro da muka saka.

Idan muka sanya shi a 1: 4 tare da kudade masu yawa, ribar da zamu biya mahallin zai yi sama.

Learin waje ko na ciki

Yaushe kuke magana game da a kayan aikin wajeMuna magana ne akan aikin da kamfanin da ke ba da bashi ya bayar kuma dangane da kuɗin da ake samu daga bashin, ana iya aiwatar da ayyukan da aka riga aka tsara a baya.

Lokacin da kake magana akan kayan aiki na cikiAna faɗin cewa mai hannun jarin yana ba da lamuni na kansa don inganta haɓakar kamfanin da aka ambata kuma ta wannan hanyar, za a bin kuɗin wani mutum a cikin kamfanin kuma ba wasu kamfanoni na waje ba. A wannan yanayin, ga mai hannun jarin, abin da aka yi shi ne ragi ta hanyar haɓaka jari.