Amintattun ko dukiyar kuɗi bankunan aladu sune waɗancan hanyoyin saka hannun jari waɗanda ke samar da ƙaramar riba a kowace shekara, komai abin da ya faru a kasuwannin daidaito. A ma'anar cewa suna kama da samfuran samfuran samfuran kuɗi waɗanda ke ba da takardar shaidar shekara-shekara hakan jeri tsakanin 1% da 3%. Kasancewa ajin saka hannun jari wanda aka tsara don matsakaici ko bayanin martaba na mai amfani. Inda adana jari ya rinjayi sauran maganganun da ke haifar da tashin hankali. Ba sa son yin gwaji da kuɗin su kuma saboda haka su tafi hanyoyin tsaro mafi aminci.
A kowane hali, abu guda a bayyane yake kuma wannan shine a halin yanzu akwai kadarorin bankin aladu daban-daban a kasuwannin hada-hadar kuɗi. Kuma abin da ya fi mahimmanci, na yanayi daban-daban don biyan buƙatun saka jari na ɓangare mai kyau na ƙanana da matsakaitan masu saka jari. Don haka ta wannan hanyar, za su iya haɓaka ajiyar su yadda ya kamata daga yanzu. Ba wai kawai daga daidaito ba har ma daga tsayayyen kudin shiga ko ma daga wasu zabin don fadada shawarar da kanana da matsakaitan masu saka jari zasu yanke. Tare da tsaro mai girma a cikin motsi da za'a dauka.
Wadannan kadarorin kudi suna halaye a daya bangaren ta hanyar karancin tasirin su tunda bambancin da ke tsakanin mafi girman su ko mafi karancin farashin su kadan ne. Wato, zaku iya nutsuwa sosai a lokacin zaman kuma maimakon hakan ya baku damar ƙirƙirar jakar ajiya a tsakiya kuma musamman dogon lokaci. Kodayake a kowane yanayi kar a yi tsammanin samun riba mai yawa saboda wannan ba daidai ba ne ɗayan ayyukanta masu dacewa daga yanzu. Wannan shine dalilin da yasa yake da wannan suna mai ban sha'awa kuma ta wacce aka san waɗannan kadarorin kuɗi cewa za mu fallasa ku a ƙasa.
Bankimar bankin Piggy: karafa masu daraja
Waɗannan kadarorin kuɗi na ɗaya daga cikin batutuwan da suka bayyana game da wannan nau'in saka hannun jari na musamman. Saboda suna yin aiki mafi kyau a cikin mafi munin yanayin daidaito kuma saboda haka sune masu karɓar babban ɓangare na kudaden kuɗi na manyan kudaden saka jari, na ƙasa da na kan iyakokinmu. Duk da yake a ɗaya hannun, ba za a iya mantawa da cewa waɗannan kadarorin kuɗi suna da matukar alfanu don inganta tanadi, kodayake a cikin wannan yanayin tare da ɗan haɗari kaɗan a cikin matsayin da aka aiwatar. Ba abin mamaki bane, zasu iya ba da dawowar mai ban sha'awa don tsammanin saka hannun jari na ɓangare mai kyau na masu amfani.
A gefe guda, farashin ƙarfe daban-daban ƙwarewa ce ta musamman fiye da sauran shawarwari a kasuwannin kuɗi. Daga wannan hanyar, ya kamata a lura cewa zinare yana kare kanta da kyau a cikin hauhawar farashi ko kuma yanayin lalacewa kuma ana gabatar dashi azaman kadara wanda bashi da alaƙa da juyin halittar dollar. Ga masu saka hannun jari waɗanda ke tsammanin raunin darajar kore yana da babbar hanyar samun fa'ida. Wani gaskiyar mai ban sha'awa shine cewa ga masu saka jari a cikin kudin Tarayyar Turai darajar zinariya ta kasance kadan. A matsayin madadin mai matukar ban sha'awa don lokuta mafi wahala a kasuwannin daidaitattun ƙasashen duniya.
Tsaro da babban rarar tsaro
Duk da cikakken imani na kyakkyawan ɓangare na ƙanana da matsakaitan masu saka jari, ana iya samun waɗannan ƙimar, waɗanda aka sani da bankunan aladu, a kasuwar hannun jari. A wannan yanayin, saboda suna ba da izinin ƙirƙirar jakar ajiyar kuɗi don 'yan shekaru masu zuwa, kuma tare da ƙaramin haɗari a cikin ayyukan. Domin an jera ka zo daga maimaita kasuwanci wannan gabaɗaya yana nuna deban bashi kuma a maimakon haka ingantaccen sakamakon kasuwancin ne. A cikin bangarorin aji kamar, misali, hanyoyin mota, wutar lantarki ko abinci. Inda kyakkyawan ɓangaren kuɗin gudanarwar ke tafiya a cikin mafi munin lokuta a cikin kasuwannin daidaito.
Duk da yake a ɗaya hannun, suna ba da kyakkyawan riba, tare da ƙimar riba tsakanin 5% da 7%. Ta hanyar tsayayyen tabbataccen biya a kowace shekara ta tsarin biyan kudi daban-daban ya dogara da kowane kamfani. Wannan hujja ce wacce ke haifar da ingantaccen bayanin martaba na mai saka jari don magance su: masu tanadi, masu amfani da kariya kuma sama da duk sha'awar kiyaye jari akan sauran manyan buƙatu. Ta hanyar haɓaka fayil na tsayayyen kudin shiga a cikin canji, duk abin da ya faru a kasuwannin kuɗi har ma a mafi munanan lokuta don sha'awar ku.
Aminci na ƙasa
A cikin wannan samfurin kuɗin, ya zama dole a zaɓi ƙarin don samun ingantaccen samfurin saka jari. A cikin wannan rukunin, an samar da mafi kyawun tsari ta hanyar shaidu Jamus da Amurka waxanda su ne ke wakiltar amintattu kuma amintattu tattalin arziki a cikin tsarin duniya gaba xaya. Ta hanyar samun kyautar coupon wanda zai iya kaiwa matakan kusa da 2%. Wato, ba shi da yawa sosai, amma aƙalla yana maimaitawa tsawon shekaru, wanda shine abin da ya fi so ƙanana da matsakaitan masu saka jari su kare. Yin hidima a matsayin mafaka a cikin mafi rikitarwa lokacin cikin saka hannun jari na mutane.
A gefe guda, jarin Jamus da Amurka samfuri ne wanda ake tallatawa ta hanyar faɗi da dama da cibiyoyin kuɗi ke bayarwa. Don haka ta wannan hanyar, masu amfani ba su da wata matsala don tsara aikinsu daga yanzu. Kasancewa muhimmiyar sashi wanda yakamata ya kasance a cikin kowane jarin saka hannun jari mai darajar gishirin ta kuma tare da manufar ƙirƙirar jakar ajiyar kowace shekara. Ba abin mamaki bane, wannan samfurin kuɗi ne wanda yake da dogon lokaci na dindindin fiye da sauran shawarwarin. Tare da matsakaita sharuɗɗan da suke jujjuyawa tsakanin shekara 2 zuwa 6.
Babban lissafi
A cikin mawuyacin yanayi, wannan zaɓin na iya wakiltar ingantaccen bayani don ɓangare mai kyau na masu kiyaye ƙasarmu. Wannan gaskiyar saboda baya buƙatar kowane yanayi don samun wadataccen albashi ga masu riƙe wannan samfurin kuɗin. Aƙalla idan dai ci gaban da cibiyoyin lamuni ke ci gaba don haɓaka ayyukansu na kuɗi. Ba tare da buƙatar saka hannun jari guda ɗaya a cikin kowane irin tsari a cikin saka hannun jari ba. Kasancewa zaɓi ne wanda masu adana duk wani bayanin martaba da suke da shi a halin yanzu.
Babban asusun bashi yana ba da kuɗin ruwa wanda yakai tsakanin 1,50% da 2,50%, gwargwadon shawarwarin kowane ma'aikatar kuɗi. Ta hanyar biyan kuɗi wanda zai iya zama na kwata-kwata, na shekara-shekara ko na shekara kuma wanda ke zuwa asusun ajiyar masu riƙewa a kan maimaitaccen tsari. Duk da yake a ɗaya hannun, ba za a iya mantawa da cewa waɗannan asusun masu biyan kuɗi suna buƙatar mafi ƙarancin daidaito ba kuma wani lokaci yana da matukar buƙata. Ta hanyar ba da gudummawa fiye da euro 10.000 don buɗe asusun waɗannan halayen. Kodayake a gefe guda, an keɓance daga kwamitocin da sauran kashe kuɗaɗen gudanarwa da kulawa. Tare da wadataccen amfanin ƙasa sama da wanda aka bayar ta samfuran kuɗi waɗanda aka samo daga ƙayyadaddun kasuwannin samun kuɗin shiga kuma wannan da ƙyar yake bayar da fa'idar kusan 1,25% a halin yanzu.
Kudade tare da dawowa kan jari
Wani dabarun da zamu iya zaɓa shine zuwa ga kuɗi tare da dawowa kan babban jari azaman tsari don samun riba a kowane wata. Kodayake a wannan yanayin, wannan aikin ba shi da inshora kuma a gefe guda yana ɗaukar haɗari kaɗan fiye da sauran samfuran da muka ambata a cikin wannan labarin. Saboda wadannan kudaden juna suna da mafi matsakaicin tsari fiye da sauran kuma zai iya yin aiki har ma da mafi munin yanayi don kasuwannin kuɗi, duka don daidaito da tsayayyen kudin shiga. Bugu da kari, ba za a iya mantawa da cewa sun dace sosai da masu saka jari wadanda ke son adana abubuwan da suka tara a kan wasu abubuwan da suka fi karfi ba.
Duk da yake a ƙarshe, kyakkyawan ɓangare na waɗannan kuɗin saka hannun jari suna da rarar raba a kowace shekara. Tare da fa'ida wanda ke matakan tsakanin 2% da 5%, ma'ana, kasa da matsakaici fiye da wanda aka bayar a saye da siyar hannun jari a kasuwar jari. Amma a kowane hali, suna taimaka wajan kiyaye kuɗi sama da komai tunda kowace shekara akwai gudummawa ga asusun ajiyar masu riƙe ta.
Kasancewa abin koyi wanda ya fi zama ruwan dare cikin kudaden saka hannun jari daga manajojin ƙasa da ƙasa don cutar da na ƙasa. Ba tare da wani ƙaruwa a cikin kwamitocin da aikin ku ya ƙunsa daga wannan lokacin ba. Amma a kowane hali ana iya ɗaukarsu a matsayin ɓangare na kadarorin aladu a kasuwannin kuɗi. A matsayin madadin yadda masu amfani zasu iya sanya jarin su wanda za'ayi amfani da shi don wasu samfuran kudi.