Ka yi tunanin cewa ba ka da aiki. Abin farin ciki, kuna da fa'idar rashin aikin yi, rashin aikin yi, wanda hakan zai baku damar kasancewa cikin damuwa a ƙarshen wata saboda kuɗi yana shigowa cikin gida. Koyaya, kuna da aikin da zaku so farawa, kuma abin da kawai kuka rasa shine kuɗi. Don haka me zai hana a ci gajiyar rashin aikin yi?
Yawancin marasa aikin yi da yawa sun yi amfani da wannan tunanin mai ban mamaki waɗanda suka yanke shawarar saka kuɗin kuɗin daga biyan don ƙirƙirar kamfani ko kasuwancin da zasu sami ƙarin amma Menene ma'anar babban rashin aikin yi? Ta yaya za a yi hakan? Waɗanne fa'idodi da rashin amfani yake da su? Duk wannan da ƙari ƙari shine abin da zamu tattauna a ƙasa.
Menene cin gajiyar rashin aikin yi
Amfani da rashin aikin yi sanannu shine biyan lokaci daya ko tara rashin aikin yi. Aiki ne bisa ga abin da mutanen da ke karɓar fa'idodin rashin aikin yi, kuma suke so su fara wani aiki da kansu, na iya neman a biya su, a cikin lokaci ɗaya, duk ko ɓangare na amfanin rashin aikin yi da ya rage a tattara.
Watau, SEPE ciyar da kuɗin amfanin rashin aikin yi wanda ya rage a karɓa a cikin biyan kuɗi ɗaya, ta yadda za a sami jari wanda dole ne ayi amfani da shi don fara kasuwancin da aka fara.
Daga wannan ma'anar, dole ne ku bayyana maki da yawa a fili:
- Cewa dole ne kayi rajista azaman mutum mai zaman kansa. A zahiri, cin gajiyar rashin aikin yi yana nuna cewa zaku fara kasuwancin ku, kuma saboda wannan dole ne a yi muku rajista tare da RETA (Tsarin Mulki na Musamman ga Ma'aikata Masu Aikin Kai). Wani zaɓi shine cewa ku memba ne na iyakantaccen haɗin gwiwa ko abokin aiki, ko dai haɗin gwiwa ko haɗin gwiwar ma'aikata.
- Cewa ya kamata a yi amfani da wannan biyan kuɗin lokaci ɗaya don saka hannun jari a cikin kasuwancin (zama ta wata hanyar babban birnin wannan kamfanin).
Wanene zai iya tambaya don cin gajiyar rashin aikin yi
Babu shakka, mutanen da zasu iya neman cin gajiyar rashin aikin yi sune waɗanda suke karɓar fa'idodin rashin aikin yi (ma'ana suna karɓar fa'idodin rashin aikin yi). Koyaya, wannan fa'idodin rashin aikin yi bai kamata ya rikice da amfanin rashin aikin yi ba. A wannan yanayin, zaku iya amfani da shi kawai idan kun sami fa'idodin gudummawa.
Bugu da kari, wani jerin bukatun da mutum yake nema, kamar:
- Cewa tsawon amfanin shine aƙalla watanni uku daga buƙatarku.
- Ba a yin rajista tare da Tsaro na Jama'a.
- Ba tare da anfana da wani biyan ba a da (sun sanya iyaka na shekaru hudu, ma'ana, duk bayan shekaru hudu zaka iya samun sa).
- Tabbatar da cewa kayi rajista azaman freelancer ko a matsayin abokin aiki.
- Rashin yin takara da sallama. Idan kun samu, ba za ku iya cin gajiyar yajin aikin ba har sai an warware ƙalubalen.
Fa'idodi na cin gajiyar rashin aikin yi
Yanzu tunda kun san menene don cin gajiyar kuɗin, yanke shawarar yin shi ko a'a zai dogara da dalilai da yawa, da kuma yanayin da kuka sami kanku.
Don haka, daga cikin fa'idodi na haɓaka abubuwa sune:
- Ikon tattara komai lokaci daya. Ta wannan hanyar, ba lallai ne ku jira don samun kuɗi ba kuma ku sami damar aiwatar da ayyukan da kuke da su, amma suna ciyar da kuɗin rashin aikin yi don ku iya tafiya da wuri-wuri. Tabbas, tuna cewa da zarar an nema, ba nan da nan ba, amma wata ya wuce.
- Zaka iya zaɓar yadda zaka karɓa. Wato, karɓe shi gaba ɗaya ko kowane wata (don haka rage farashin don tallafin gudummawa).
Abubuwan da ba a zata ba
Duk wani abu mai kyau yana da wasu bangarorin "marasa kyau", kuma a wannan yanayin muna magana ne akan:
- Amfani da dama don fa'ida. Don cin gajiyar rashin aikin yi, kuna buƙatar aiki kuma ku sanya kanku cin gashin kansa; Wannan yana nufin cewa za ku cinye abin da suka ba ku a matsayin fa'ida a cikin kasuwancin da zai iya cin nasara, ko kuma wanda zai iya kawo ƙarshen kuɗin da kuka ci gaba (kuma a bar ku da komai).
- Akwai wariya. Yi haƙuri, amma wannan ita ce hanyar. Maza yan kasa da shekaru 30, da mata har zuwa shekaru 35, zasu iya amfanuwa da kashi 100% na rashin aikin yi, amma bayan wannan shekarun zasu iya cin gajiyar rashin aikin ne da kashi 60%, sauran 40 kuma sune don neman gudummawar rashin aikin yi.
- Tallafin keɓaɓɓe ya ɓace. Wannan saboda, idan kayi kuskure a cikin aikace-aikacen, zaku biya kuskuren ta hanyar rasa kashi 40% na tallafin da ya dace da ku.
Nau'in tsarin cinikayya
Wani bangare da yakamata kuyi la'akari dashi shine lokacin amfani da rashin aikin yi, tunda ana iya yin ta hanyoyi biyu daban-daban:
- Amfani da 100%, ma'ana, karɓi duk kuɗin da suka ɓace daga amfanin rashin aikin yi gaba ɗaya don ɗaukar jarin da kasuwancin ke buƙata.
- Amfani da kuɗin kowane wata. Ana amfani da wannan kuɗin don sake biyan kuɗaɗen kuɗin masu aikin kansu, ta yadda za a yi amfani da wani ɓangare na rashin aikin ku don biyan kuɗin aikin kai na kowane wata da sauran abubuwan da ake iya yi.
Yadda ake cin gajiyar rashin aikin yi
Idan bayan ka karanta komai, kuma ka sanar da kanka, ka yanke shawarar amfani da rashin aikin yi, dole ne ka san irin matakan da dole ne ka bi don yin hakan. A wannan halin, abu na farko da yakamata kayi shine ka je ga Ma'aikatar Aikin Gwamnati ta Jiha, wato, SEPE. Je zuwa ofishin da ya dace da ku (koyaushe ta alƙawari don su sami damar halartar ku ba tare da sa ku jira da tsayi ba).
Za su sanar da kai game da biyan kuɗi ɗaya, kuma idan sun ga an yanke shawarar ka, dole ne ka yi hakan cika aikace-aikace, kuma haɗa rahoto game da ayyukan da za ku ci gaba, kazalika da saka hannun jari da za ka fuskanta. Tabbas, ka tuna cewa yawan kuɗin da kuka sanya dole ne su kasance ba tare da VAT ba, saboda VAT ba za a iya ba da tallafi ba.
Abu mafi rikitarwa a gare ku na iya kasancewa shirya rahoton aikin, amma akan Intanet zaku iya samun samfuran Kalmar da yawa waɗanda zasu taimaka muku yin saukake. Ko kuma, idan baku sani ba, ko kuma ba ku son yin kuskure, kuna iya koyaushe Nemi taimako daga manaja ko mai ba da shawara don shirya shi gwargwadon abin da suka nema.
Da zarar kun isar da komai, ban da wata hujja da ke nuna cewa kuna rajista a matsayin mai aikin dogaro da kai, a wata mai zuwa za su ba ku kuɗi, idan komai ya yi daidai, kuɗin rashin aikin yi lokaci ɗaya.