Waɗanne abubuwa ne keɓancewa tsakanin masu amfani?

Menene kariya?

Kusan hauhawar hauhawar farashin kaya ana magana ne a matsayin wani yanki na mummunar lalacewa a cikin tattalin arziki, har ma da inganta matakan kudi don yaki da shi. Kusan kowa ya fahimce shi, fiye ko lessasa. Amma yana da wuya a yi magana game da akasin motsi, wanda ba wani bane face lalatawa. Da farko za ku san abin da ya ƙunsa kuma yadda hakan zai iya shafar ka a rayuwarka ta yau da kullun, ciki har da dangantakar da banki, ko tare da kayayyakin saka jari. Da kyau, zai sami sakamako da yawa fiye da yadda kuke tsammani da farko, kuma wasu daga cikinsu na iya ba ku mamaki sosai.

Tsayarwa ta ƙunshi gama gari da tsawan lokaci, na aƙalla ajin karatun biyu, a ƙimar farashin kaya da aiyuka kuma hakan yakan bunkasa kafin a fada cikin bukata. Kuma wannan yana ƙarfafa kyakkyawan ɓangare na manyan masana tattalin arziki don yin ishara da haɗarinsa game da hauhawar farashi. Ba abin mamaki bane, ya haifar da tashin hankali a cikin tattalin arziƙin wanda a cikin lokaci na ƙarshe zai iya zama mafi lahani ga kowa da kowa, yana shafar haɓakar tattalin arziki, ko ma aikin yi, kamar yadda kuke gani a cikin wannan labarin.

Gaskiya ne cewa wannan yanayin tattalin arziki ya fi wahalar gabatarwa fiye da ƙungiyoyin hauhawar farashi, amma yana da wuya cewa ba zai bayyana ba. Ta shafi tattalin arzikin ƙasashen da ke cikin wannan halin. Kuma har zuwa batun, za a sami samfuran don saka jari waɗanda suka fi wasu amfani, inda suke samar da riba mai tsoka a kan tanadi. Kila ma buƙatar canza dabarun saka hannun jari tare da wannan sabon yanayin tattalin arzikin. Daga wannan yanayin, zai yiwu a bayyana a sarari abin da zai kasance ainihin yanayin da za ku samu tare da farkon ɓarna.

Lationaddamarwa a Spain

Ofaya daga cikin sakamakon da manufofin tattalin arziƙin yanzu suka haifar, kuma a matsayin magani don yaƙi da babbar matsalar tattalin arzikin da Spain ta shiga, shine ci gaban da ba zato ba tsammani na wannan yanayin tattalin arzikin. Kuma wanda masu sharhi daban-daban ke yin ishara a matsayin ƙarin matsalar da tattalin arzikin Spain ke da shi a halin yanzu. Kuma wannan idan ya kasance a cikin fewan watanni masu zuwa, zai iya samun wasu mummunan sakamako akan kayan aiki na tattalin arzikin kasarmu. Ba mamaki, wannan gargadi ne mai karfi da manyan masana tattalin arziki suka yi.

Daga wannan ba yanayin ƙarfafawa ba ne, ya kamata a lura da cewa bambancin shekara-shekara na exididdigar Farashin Masu Sayayya (CPI) na watan Fabrairun da ya gabata Ya kasance -0,8%, kashi goma cikin goma a ƙasa waɗanda suka yi rajistar watan da ya gabata, bayan sabbin bayanan da Cibiyar Kididdiga ta Kasa (INE) ta bayar. Kuma a cikin abin da aka nuna cewa bambancin kowane wata na janar janar ya ragu a wannan lokacin da 0,4%. Sakamakon wadannan alkaluman, ana iya ganin cewa faduwa ta kai ga tattalin arzikin kasa. Ya isa a gani tsawon lokaci, ko kuma akasin haka, yana da wucewa.

Inda ƙungiyoyi masu tasiri mafi girma akan wannan ragin suke: jigilar kaya, wanda ya rage farashinsa da kusan maki uku zuwa -4,7% yafi saboda gaskiyar cewa a wannan watan farashin mai da mai ya fadi yayin da a watan Fabrairun 2015 suka tashi. Abinci da abubuwan sha marasa giya, tare da bambancin 1,3%, takwas bisa goma ƙasa da watan da ya gabata. Kodayake hauhawar farashin sabbin kayan lambu kuma ya yi fice, ƙasa da na bara. A gefe guda, yana da kyau a faɗi faduwar farashin sabbin kifi da sabbin fruitsa fruitsan itace, sama da waɗanda aka yi rajista a shekarar da ta gabata.

Sakamakon waɗannan bayanan na hukuma, zaku sami tasirin farko duk lokacin da kuka je kasuwa, ko zuwa babban kanti don yin keken cinikin. Ba a banza ba, a cikin wadannan watannin farkon sabuwar shekara Zai rage maka kuɗi kaɗan don cika motar, musamman tare da wasu abinci da samfuran. Tabbas kun riga kun bincika shi a wasu ziyarar ku zuwa waɗannan cibiyoyin kasuwancin. Kudirin ba zai zama mai nema kamar na sauran lokutan ba, wasu daga cikinsu ba su da nisa da wuri.

Ko da shafi sauran yankuna a cikin alaƙar ku da amfani. Ba wai kawai abinci ba, har da kayan aikin gida, da na'urorin dijital, har ma da ayyukan yawon buɗe ido. A ka'ida, zaku iya fa'ida daga farashi masu tsada fiye da yan watanni da suka gabata. Kuma wannan zai shafi, tare da tabbas, cewa lissafin bankin ka ya fi lafiya kowane wata. Ba ta hanya mai ban mamaki ba, amma aƙalla don isa ƙarshen wannan lokacin tare da ƙananan matsaloli a cikin tattalin arzikin cikin gida.

Yana haifar da ƙarancin aiki

toshewa yana haifar da raguwar ci gaba a cikin ƙasa

Kawo yanzu kun ga kyawawan tasirin wannan jihar ga tattalin arzikin ƙasa. Amma ba za su zama alheri ba, nesa da shi. Tunda, akasin haka, toshewa yana haifar da yanayin da ba'a so ga kowane bangare. Lokacin gano mafi kyawun farashi a cikin sabis da samfur, ba abin mamaki bane cewa masu amfani da kansu dakatar da cin su, yana tunanin cewa waɗannan ƙimar na iya ci gaba da faɗuwa a cikin watanni masu zuwa. Kuma har ma suna iya siyan su da ragi masu yawa a cikin farashin su, da ƙasan na yanzu. Kuma ta wannan hanyar yawan kuɗaɗen kuɗi ya faɗi, yana shafar dukkan fannoni masu amfani.

Kuma ta yaya janyewar kuɗin kuɗi zai iya shafar ku? Da kyau, mai sauqi ne, lokacin da aka canza wannan yanayin zuwa kamfanoni, suna nuna raguwar ayyukan kasuwanci hakan zai kasance a cikin mafi girman digo na aikiSakamakon dabarun kamfanoni don daidaita kasafin kudin su, an rage ragowar kayayyakin su. Kuma har ma ana iya samar dashi, azaman ƙarin sakamako, wasu gyare-gyaren albashi. Kuma hakan zai sa samun kudin shiga ya ragu sakamakon jujjuyawar tattalin arzikin kasar.

Wani yanayin da zai iya danganta ku zuwa wannan yanayin ya samo asali ne daga manyan matsalolin ku don tallafawa kanku (rancen kuɗi, don amfani, jinginar gidaje, da sauransu). Kasancewar daman kwastomomin banki wani daga cikin abubuwan da suka shafi jingina tawaya a cikin tattalin arzikin kasa. Kuma har ma ana iya cutar da su interestara sha'awa akan layinku na bashi, da yin babban ƙoƙari na kuɗi don haɓaka aikin.

Matsaloli don tsari mai kyau

Babbar matsalar rashin tsari shine Ana buƙatar don warware su na matakan kuɗi waɗanda bankin bayarwa na Mutanen Espanya ba zai iya ɗauka ba, kuma wannan ya fito ne daga Babban Bankin Turai (ECB). Amma ba shakka, aikinta ba shine ya kare tattalin arzikin Sifen ba, amma don kula da bukatun dukkan abokan hulɗar al'umma. Kuma a halin yanzu kasashe kalilan ne ke cikin wannan halin na hauhawar kuɗi. Tare da abin da ƙarshe ƙudurinsa zai kasance mai rikitarwa sosai, ko kuma aƙalla za'a jinkirta shi cikin sharuɗɗansa musamman.

Har ta kai ga cewa tattalin arzikin kasa na iya dulmuya cikin wani yanayi na tauye hankali, wanda ci gaban tattalin arzikin ya bunkasa, idan har aka tabbatar da alamun dakatar da ci gaban a duk duniya, kamar yadda wasu manyan masana harkokin kudi suka yi gargadi. Daidaitawa, a gefe guda, mafi munin yanayi, kuma a cikin wannan yanayin, zai iya wakiltar babban haɗari ga kowa da kowa, ma'aikata da ma'aikata, kuma kusan babu keɓaɓɓu.

Tasiri kan saka jari

deflation yana haifar da motsi a cikin kasuwar jari

Tabbas, ba yanayi bane mai kyau ga ƙanana da matsakaitan masu saka jari, kamar yadda mai yiwuwa ne batunku, tunda zai fi wuya a dawo da ci gaba a kasuwannin hannayen jari, da kuma harkar kudi gaba daya. Sakamakon haka, kuna da ƙananan damar da za ku sami damar yin riba ta riba, kuma tare da ƙaramin wakilcin madadin don cimma burin.

Dangane da manyan kayayyakin tanadi (bayanan bayarwa na banki, ajiya ko lamuni, da sauransu) lamarin zai yi kasa. Ba tare da kusan lura da shi ba dangane da dawowar da zaku samar a kowace shekara lokacin da kuke kirkirar waɗannan samfuran banki. Tare da ƙimar riba wanda zai ci gaba da kasancewa ƙasa da 1%, kuma a kowane hali bai gamsar da iƙirarinku azaman mai ceto ba.

Dangane da kuɗin saka hannun jari, kuma ba kamar sauran hanyoyin tattalin arziki ba, babu wasu shirye-shiryen shirye-shirye waɗanda suke tunanin ɓarna. Kuma tasirin sa kawai akan wasu kuɗaɗen kuɗi na iya inganta sarrafa dukiyar ku.. Daga wannan ra'ayi, yawan faɗuwar farashi ba albishir bane don ɗaukar matsayi a kasuwannin daidaito. Ba ma a cikin sauran hanyoyin ba, don haka zaɓinku zai ragu sosai.

Akwai 'yan dabaru da zaku iya amfani dasu kafin bayyanar ayyukan lalatawa, kuma inda mafi kyawun abin da zaka iya yi shine kare ajiyarka ta hanya ta musamman. Sama da aikin da zaku iya samu a cikin wannan sabon yanayin tattalin arziki. Kuma inda zaɓin tsaro tare da yawan amfanin ƙasa ta hanyar rarar su na iya zama mafi kyawun shawarar da zaku iya yankewa, akan sauran waɗanda suka fi ƙarfin tashin hankali.

Ba a banza ba, kuma a matsayin takamaiman tsari, muddin za a sami hanyar karkatar da kudadenku zuwa kasuwannin hada-hadar kudi na daidaito daga al'ummomi waɗanda ba su da alaƙa da ƙungiyoyin ɓatanci. Kodayake don tsara waɗannan ayyukan zai ƙunshi ƙimar kuɗi mafi girma, sakamakon ƙimar kuɗaɗen da kwamitocin da waɗannan kasuwannin ke amfani da su ke da shi, kusan ninki biyu fiye da na ayyukan ƙasa.

Duk da komai, ba za ka rasa komai ba, nesa da shi, tunda koyaushe zaka sami albarkar amfani da wasu samfuran zamani don saka hannun jari (kuɗaɗen canjin kuɗi, sayar da kuɗi, garantin, da sauransu), waɗanda zasu iya yin aiki mai fa'ida a duk yanayin da zai yiwu, gami da tabbas waɗanda basu da kyau. Kuma a tsakanin su, ta yaya zai zama ƙasa da shi, wanda a keɓewa yake a ciki.


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  1.   Daniel m

    Ina da shakku. Abu ne mai sauki, tunda ni ba masanin tattalin arziki bane.

    Koyaushe ana faɗin cewa wani mataki na hauhawar farashi mai kyau ne, sanannen manufa 2%. Na fahimci cewa akwai bincike mai zurfin tunani game da wannan, to, amma ba su shawo kaina ba. Kuma shi ne cewa ga mabukaci babu wani abu mafi kyau fiye da yadda farashin ke sauka. Mafarki ya cika, cewa ikon saye yana inganta ba tare da yin komai ba.

    Ga masu tanadi kuma yana da fa'ida. Maimakon azabtar da mai ceto da hauhawar farashin kaya wanda ke haifar da karfin sayayyar sa ya ragu a kan lokaci, yanzu ya dace a adana don nan gaba. Me kuma kuke so?

    An ce tare da taɓarɓarewar amfani yana raguwa, "me zai sa in ci yau idan gobe zan iya cinye ƙari da kuɗi iri ɗaya?" Amma na samo shi hujja ce ta ka'ida wacce ba ta aiki da gaske. Ban san kowa ba, ko wani kamfani, wanda ya jinkirta sayan saboda ɓarna. Musamman fasaha (motoci, kwmfutoci, wayoyin hannu, da sauransu), tunda tana kara sauki da sauki, kuma ban taba jin wani mutum ya daina saye ba.

    Kuma kamar wancan zaku iya yin jayayya game da kamfanoni.

    A takaice, kawai ina ganin fa'ida ga rashi.

    Kuma mai matukar ban sha'awa wannan sakon da yanar gizo gaba ɗaya, na gode!