Wataƙila baku taɓa jin menene ma'anar cinkoson jama'a ba, amma yana iya zama cewa daga yanzu ya zama ajalin da kuka fi sani da shi. Hakan ma yana amfani ne don sanya ajiyar ku ta zama mai riba ta hanyar da ta fi gamsarwa don kare bukatun ku a matsayin mai amfani. Saboda lalle ne, haduwa da mutane shine kudade ga kamfanoni da mutane Ana aiwatar da wannan ta hanyar ƙungiyar masu saka hannun jari waɗanda ke son karɓar wannan shawarar na kuɗi don musayar dawo da tattalin arziki.
Don bamu cikakken bayani game da menene gaskiya, zamu gaya muku cewa aiki ne mai kama da waɗanda suke bashi tsakanin mutane. An fi sani da suna P2P, kuma inda ɓangarorin biyu a cikin aikin ke ɗaukar mataki. A gefe guda, waɗanda ke buƙatar layin daraja don biyan jerin buƙatu. Kuma a wani bangaren, mai saka hannun jari wanda shine wanda ya ba da gudummawar wannan kuɗin don musanya mai daɗi mai ban sha'awa a kan wannan aikin. Ta wannan hanyar, bangarorin biyu suna cin gajiyar motsi da suke yi.
Ayyuka da aka fi sani da cunkoson jama'a an haɓaka su ne ta hanyar dandamali na kuɗi da hanyoyin masarufi tsakanin mutane waɗanda ke ba masu amfani damar isa ga manufofin su. Tare da jerin kayan aikin da aka shigo dasu ta yadda ayyukan sun fi aminci kuma har ma da lamuni akan kariyar ayyuka. Wani tsari ne na kirkire-kirkire wanda yake fitowa a cikin 'yan watannin nan a matsayin madadin biyan kuɗi wanda aka samar daga bankuna da cibiyoyin kuɗi. Shin kuna son ƙarin sani game da wannan sabon sabis ɗin da zaku iya samu daga yanzu zuwa?
Crowdlending: ga masu saka jari
Tabbas, ɗayan manyan waɗanda suka ci gajiyar wannan sabis ɗin ƙananan masu saka hannun jari ne. Wannan haka ne saboda zasu iya ba da kuɗin ruwa ga wasu mutanen da suke buƙatarsa. Amma tare da babban fa'idar cewa wannan aikin zai kawo musu riba fiye da wani ɓangare mai kyau na kayayyakin da aka ƙaddara don saka hannun jari. Saboda a zahiri, ta hanyar wannan tsarin zaku kasance cikin cikakkun halaye don cimma burin a yawan kuɗi har zuwa 7%. Kashi ne wanda yake da matukar wahala a gareka ka samu ta hanyar ajiyar lokaci, bayanan tallafi na banki ko ma daga kudaden saka hannun jari.
A kowane hali, ba lallai ne ku saka hannun jari mai yawa ba. Idan ba haka ba, akasin haka, suna motsawa a ƙarƙashin iyakoki masu rahusa sosai ga duk gidaje. Daga Yuro 1.000 kawai har zuwa Yuro 20.000 kusan. Ina ɗayan manyan labarai da wannan tsarin na kudade don haka na musamman shine cewa zaku sami daga farkon tare da manyan kayan aikin kariya a cikin ayyuka. Don haka ta wannan hanyar, haɗarin cikin aiki ya ragu sosai.
Ga masu neman bashi
Daga hangen nesan mutanen da suke son ƙaramar layi, shima samfur ne ko sabis mai ban sha'awa, kamar yadda zaku gani a ƙasa. Kuna iya samun damar kasuwar kuɗi idan bankinku na yau da kullun bai ba ku daraja ko don kowane yanayi ba. Ba tare da tambayar inda zaku ciyar a kowane lokaci ba kudin da aka nema. Kuna iya amfani da shi don biyan bashi ga wasu kamfanoni, biyan haraji ko ma fuskantar wani ɓataccen kuɗi wanda zai iya daidaita kasafin ku na sirri ko na iyali. Daga wannan hangen nesan, an kirkireshi azaman madadin kuɗin da kuke dashi a halin yanzu kuma wataƙila dama ta ƙarshe don samun ƙaramin layi.
Koyaya, babbar fa'idarsa shine cewa zaku iya tsara aikin a ƙarƙashin kyakkyawan yanayi yayin sanya hannu kan yarjejeniyar. Tare da riba mai fa'ida fiye da ta bankunan. Zuwa ga cewa zaka iya sami daraja 5%, Wato tare da ragin percentagean maki kaɗan dangane da kuɗin gargajiya. Amma abin da ya fi mahimmanci, ba tare da buƙatar zuwa bankin ku ba kuma ta hanyar aiwatar da saurin aiki fiye da har yanzu. Inda zaku zabi tsakanin hanyoyin samun kuɗi daban-daban dangane da ainihin bukatun ku. Tare da aikace-aikacen jerin filtata don sa aikin ya kasance mai aminci.
Denidaya ɗaya: ƙarin sassauci
Idan akwai abu ɗaya wanda ya banbanta wannan samfurin ko sabis na kuɗi, saboda mafi sassaucin sa ne. Da yawa ga bangarorin biyu da suka samar da wannan aikin. Ba a banza ba, a'a akwai lokacin ko ƙaramin saka hannun jari, amma akasin haka zaku sami sassauci don aiwatar da kowane ɗawainiyar. Game da saka hannun jari kuma a matsayin mai neman ƙaramin layin bashi. Kodayake gaskiya ne, kuma saboda dalilai waɗanda za ku fahimta sosai, ayyukan da aka gudanar ba su da darajar tattalin arziƙi. Idan ba karamin ba kuma don iyakance da takamaiman motsi.
Daga wannan yanayin, ya kamata ku sani cewa aiwatar da waɗannan ayyukan na musamman zaku buƙaci kawai yi rajista kuma ka bayyana kanka a dandamali cewa samar da wadannan halaye. Don haka daga yanzu zuwa gaba, zaku iya samun damar shawarwarin da suka dace da bayanan ku azaman mai amfani. A gefe guda, a matsayin mai saka jari, zaku iya neman abokin ciniki wanda ke ba da mafi yawan riba kuma tare da lokacin dawowa wanda yake gamsar da bukatun ku. Kuma daga mahangar mai nema don neman kudi, makasudin shine zaba rancen da yafi dacewa da halaye naka: adadin, sharuɗɗa, riba, da dai sauransu.
Containunsar haɗari
Wani sabon abu da aka bayar ta hanyar cinkoson jama'a a wannan lokacin shine cewa an bayyana haɗarin cikin aiki sosai. Mafi mahimmanci saboda suna da hanyoyin kariya masu ƙarfi waɗanda aka haɗe waɗanda zasu zama masu ban sha'awa sosai game da takamaiman batun masu saka hannun jari. A gefe guda, ba za ku iya mantawa a kowane lokaci cewa masu saka hannun jari ba baya buƙatar kwarewa don yin motsinku a tsakanin waɗannan hanyoyin darajar kuɗi tsakanin mutane. Idan ba haka ba, akasin haka, suna da ruwa kai tsaye a cikin buɗaɗɗun matsayi akan dandamali na dijital.
Wani fasalin da wannan sabis ɗin ke samarwa shine zasu iya sayar da matsayin ku a kasuwannin sakandare idan suna son samun ruwa a cikin asusun binciken su. Kodayake a wannan yanayin, abubuwan sha'awar da aka keta ayyukan ba zai zama da riba kamar waɗanda aka samu daga ayyukan tare da wasu mutane ba. Abu ne da dole ne kuyi la'akari dashi don kauce wa matsala mara kyau a cikin irin wannan saka hannun jarin da muke magana akansa a cikin wannan labarin.
Zaɓi tsakanin kyauta mai yawa
A gefe guda, hakan yana ba ku damar zaɓar rancen kuɗi daga keɓaɓɓun shawarwari waɗanda dole ne ku yanke shawarar ku. Wannan lamarin yana da inganci, duka don ƙananan masu saka hannun jari da waɗanda ke buƙatar layin kuɗi. Zuwa ga cewa zaku iya zaɓi zaɓi wanda ya fi dacewa da bukatun ku. Wani abu da baza ku iya ta hanyar tayin da bankuna ko kamfanonin bashi ke yi ba. Daga wannan hangen nesan, babu kokwanto cewa cunkoson jama'a wani abu ne daban kuma wancan ba shi da alaƙa da kuɗi ƙari ko conventionasa na al'ada.
A wani mataki, irin wannan ayyukan na samarda kuɗi tsakanin mutane, kuna da tabbacin cewa za'a samarda matatun da ake buƙata inganta ayyukan Daga farkon lokacin. A takaice, rage kasadar da waɗannan ayyukan da aka gudanar tsakanin mutane na iya ɗauka. Tare da maƙasudin fifiko kuma shine cewa waɗannan ƙungiyoyi suna iya samun dama ga ɓangare mai kyau na masu amfani. Fiye da sauran ƙididdigar fasaha kuma wataƙila daga ra'ayi na asali. Domin sabis ne mai banbanci da sauran waɗanda kuke dashi har zuwa yanzu.
Fa'idodi na cunkoson jama'a
Tabbas, wannan nau'ikan lamunin tsakanin mutane yana ba ku fa'idodi da dama waɗanda sauran tsarin kuɗi na yau da kullun ke wahala. Daga cikin abin da ke ba da gudummawar gudummawar masu zuwa da za mu fallasa ku a ƙasa.
- An kafa Crowdlending azaman ainihin madadin zuwa daraja kuma hakan na iya samarda sakamako sama da 4%. Dukansu dangane da bangarori biyu na wannan aikin sulhu tsakanin abokan ciniki masu zaman kansu.
- Yayi a yafi riba mai fa'ida fiye da tsarin gargajiya. Har zuwa ma'anar cewa zata iya ninka ko ninki uku farashin kuɗi a cikin waɗannan tsarin kuɗin.
- Waɗannan ayyukan ne ba sa ɗaukar kwamitocin ko wasu kashe kudi wajen gudanarwarta ko kulawarta. Don haka ta wannan hanyar, ribar da ake samu a cikin kowane aiki ya fi ƙarfi tunda za a karɓi ribar gaba ɗaya. Daga cikin wasu dalilai saboda babu masu shiga tsakani.
- Hidima ce wacce buɗe wa kowane irin masu amfani kuma inda kawai zaku saba da sababbin kayan aikin da suka fito daga sababbin fasahohi (kwakwalwa, wayoyin hannu, kwamfutar hannu, da sauransu).
- Kuma a ƙarshe, idan abin da kuke so shi ne aiwatar da manyan ayyuka zai fi kyau ku daina ƙoƙarin saboda waɗannan ba samfuran da ke motsawa a ƙarƙashin waɗannan masu canjin kuɗi ba. Don saduwa da waɗannan buƙatun, ana samun wasu nau'ikan takamaiman samfuran kuɗi waɗanda zasu zama muku mafi ban sha'awa.