Menene dandamali na ba da rance don tsara?

Idan kuna neman layin kuɗi, abu na farko da yakamata ku sani a wannan lokacin shine cewa akwai rayuwa ta gaba banki na gargajiya. yaya? Da kyau, mai sauqi ne ta hanyar hanyoyin dandalin rance tsakanin mutane. Hanya ce ta madadin kuɗi hakan na iya fitar da kai daga matsala fiye da ɗaya daga yanzu. Kuma menene mafi mahimmanci, tare da aiwatar da ƙimar riba wanda a mafi yawan lokuta zai kasance mafi gasa sosai. Wato, zaku adana kuɗi a cikin tsarin aikin.

A kowane hali, sabon salo ne wanda ke fitowa tare da shahararren mashahuri tsakanin masu amfani. Musamman, tsakanin bangaren ƙananan matasa  ana amfani dashi don aiki tare da sabbin kayan aiki a cikin fasahar bayanai. Tare da bayyanar sabbin dandamali wadanda suke baiwa mutane damar daukar nauyin wasu bukatunku na kusa. Kodayake tabbas injiniyanta ba zai zama daidai da ta hanyar tsarin gargajiya ba.

Tsarin dandalin rancen tsakanin mutane yana ba da sabis daban daban da fa'idodi waɗanda kuke buƙatar sani a yanzu. Tare da nufin darajar idan zaka iya ko buƙatarsu ya dogara da bayanin martabar da ka gabatar azaman masu amfani. Wani daga cikin gudummawar da ya fi dacewa ya ta'allaka ne da cewa ita ce mafita lokacin da Sun rufe yiwuwar daukar nauyinku ta hanyar shawarwarin hukumomin banki. Kullum kuna da wannan albarkatun don neman lamuni. Kodayake yawan kuɗin da suke bayarwa a yanzu sun fi na waɗanda aka saba da su.

Matsayi tsakanin mutane

Yana da ban sha'awa sosai ka san abin da waɗannan dandamali ke ba ka a wannan lokacin. Da kyau, ya kamata ku sani cewa waɗannan kayan aikin kuɗi na musamman sun zama tallafi bayyananne ga masu saka hannun jari waɗanda ke son aiwatar da tsammanin kasuwancin su. A wannan ma'anar, jerin dandamali ne na lamuni, wanda ake kira P2P, waɗanda ke da alaƙa da gaske ga masu saka jari waɗanda ke buƙatar lamuni. Wato, suna so su biya wasu buƙatu, na sirri, amma sama da ƙwararru. Tare da jerin halaye waɗanda suke da ma'anar waɗannan sabbin kayan aikin waɗanda ke maye gurbin bankuna.

Wannan sabon samfurin yana da halaye sama da duka saboda farashin da ake tsammani ya kusan zuwa 7% a kowace shekara, da kyau sama da dawowar da bankunan Turai ke bayarwa, wanda a mafi yawan lokuta basu kai matakin 4% ba. A gefe guda kuma, wani abin da ke raba wadannan dandamali na musamman shi ne, samun kudi nan take. Inda tsarin zai fara daga inda mai saka hannun jari zai iya siyar da jakar sa kuma ya sami damar samun kudin sa a kowane lokaci, yana neman canjin domin ya tafi asusun sa na banki. Wataƙila shine mafi ƙarancin sashi na tsarin aiki.

Menene bukatunku?

Don aiki a cikin waɗannan dandamali na rancen tsakanin mutane, babu wasu buƙatu da yawa waɗanda ake buƙata a wannan lokacin. Daga cikin mafi shahararren shine babban saukin amfani. Domin hakika, idan waɗannan sabbin kayan aikin kudi sun bambanta da wani abu, to yana da sauƙin amfani, kamar yadda baya buƙatar ƙwarewar saka hannun jari. Don haka a shirye kuke kuyi aiki tun daga farkon lokacin. Duk da cewa akwai yiwuwar rashin ilimi a cikin amfani da shi. Wato, a cikin al'amuran da kuke aiki a karon farko kuma wannan shine lokacin da ƙarin shakku suka bayyana game da abin da zaku samu daga waɗannan ƙayyadaddun lokacin.

A gefe guda, ba za ku iya mantawa da cewa a cikin dandamali na rance tsakanin mutane ba za ku iya raba jakar ku tare da abokai da dangi. Misali. Tare da babban yayan ku wanda yake son bada gudummawa ga jarin ku. Tsakanin wasu dalilai saboda zaka iya yin sa ta hanya mai sauki kuma ku duka kuna iya samun fa'idodi da yawa. Me yasa zaku sami sha'awar gasa ta barin kuɗin da kanku saboda zaku kasance cikin halin kuɗaɗɗu da kanku a cikin mafi kyawun kwangilar kwangila. Ba a banza ba, zai rage muku ƙarancin kuɗi idan kuka yi amfani da kowane ƙimar da cibiyoyin kuɗi ke tallatawa. Wannan shine sauƙin daga yanzu.

Hadarin cikin aiki

Tabbas, ɗayan bangarorin da zakuyi la'akari dasu a yanzu shine haɗarin da ke tattare da ayyukan da aka gudanar daga waɗannan dandamali na rancen tsakanin mutane. A wannan ma'anar, ya kamata ku sani cewa haɗarin suna da iyakancewa saboda dandamali ne da kansu suke saka hannun jari ga ƙananan ɓangarori na rance daban-daban, rage haɗarin zuwa matsakaicin. Sakamakon wannan dabarun kasuwancin na musamman kasada za a rage duk lokacin da kuka nemi ɗayan samfuran su ko ayyukansu. Fiye da ribar da kuka yarda da ɗayan ɓangaren, ma'ana, tare da mai ba da rance mai zaman kansa.

Bugu da ƙari, waɗannan dandamali Suna amfani da matattakala don ƙarancin laifi ya zama fanko ko babu. Ta wannan hanyar, zaku guji lambobin da ba'a so waɗanda zasu iya haifar muku da da mamaki fiye da ɗaya a cikin makonni masu zuwa. Daga wannan ra'ayi, babu wata shakka cewa tabbas ana sarrafa haɗarin. Kuma wannan wani lamari ne wanda yake taimakawa masu saka jari, kamar yadda zai iya kasancewa a cikin yanayinku. Kodayake a kowane hali, kuma kamar yadda ya dace a fahimta, komai zai dogara ne da yanayin da kowane dandamalin lamuni ya shimfiɗa tsakanin mutane. Kuma cewa ba koyaushe suke zama ɗaya ba tunda yanki ne mai ɓarna sosai wanda ke fuskantar babban canji a yaɗuwarsa tsakanin masu amfani.

Fasahar fayil

Don sarrafa haɗari, yana da mahimmanci a rarrabe a cikin fayil ɗin ku, ma'ana bai kamata ku saka duk ƙwai ɗin ku a cikin kwando ɗaya ba. Madadin haka, dole ne ku rarraba ta hanyar lamuni iri daban-daban don rage yawan haɗarinku na asara. A wannan ma'anar, waɗannan dandamali suna ba da damar aiwatar da wannan dabarun saka hannun jari na musamman. Don haka ta wannan hanyar, an rage haɗari a ɗayan ɓangarorin biyu da suke cikin wannan aikin. Abu ne da bai kamata ku manta da shi ba don amfani da wannan sabis ɗin wanda tabbas zai iya taimaka muku a wani lokaci ko wani.

A gefe guda, yana da mahimmanci a yi la'akari daga yanzu a wannan dandamali na masu amfani suna da gabansu yawan jarin saka hannun jari ta hanyar API a cikin irin yanayin da yake a cikin watannin baya. Ba a banza ba, ya ragu kaɗan zuwa 0,4% na duka, saboda ƙwarewar fasaha da ake buƙata don wannan zaɓin. A kowane hali, yana ɗaya daga cikin mafi kyawun zaɓuɓɓuka fiye da sauran hanyoyin saka hannun jari. Duk da fa'idodi da rashin amfani da waɗannan sifofin suka haifar tsakanin mutane.

Menene lamunin P2P?

Ga waɗanda basu riga sun yi amfani da wannan madadin saka hannun jari ba, akwai tambaya mai yawa da kuke yiwa kanku a wannan lokacin. Me kuke buƙatar sani game da lamunin P2P? ko yaya rancen P2P ke aiki? Da kyau, babban ci gaban fasaha da kuma yadda yanar gizo ke samun su a duniya ya basu damar juya burin aikin su zuwa wata hakika mai karfin gaske. A kan mafi kyawun dandamali na P2P, yawanci yana iya ɗaukar fewan mintoci kaɗan, kuma kaɗan dannawa, gwargwadon ko kuna amfani da kwamfuta ko waya, don yin rijista da fara shiga.

Ta hanyar rijista kawai zaka iya samun damar abun cikin ta kowane lokaci na rana, koda da daddare ko a karshen mako. Ba tare da ƙaddamar da wannan tsarin gudanarwa da gudanarwa a kowane ofishi na zahiri ba. Don haka ta wannan hanyar, zaka iya aiki da samfuransu da ayyukansu. Har zuwa ma'anar cewa zaku iya buƙatar layin kuɗi a ƙarƙashin yanayin da aka inganta daga dandamali na rance tsakanin mutane. Zai zama mai ban sha'awa sosai, a wata hanyar, da zaku iya neman wanda zai zama mutumin da zai ba da kuɗin kuɗin. Abu ne mai mahimmanci fiye da yadda zaku iya hangowa daga farkon lokacin.

Sharuɗɗan waɗannan layukan bashi

Wani abin da dole ne a kula da shi shi ne lokacin da aka tsara waɗannan samfuran na musamman waɗanda muke magana a kansu a cikin wannan labarin. Daga wannan yanayin gabaɗaya, kodayake gaskiyane cewa rancen da dandamali ke bayarwa gabaɗaya suna da sharuddan jere daga watanni shida zuwa 18Wannan ba yana nufin cewa lallai ne ku yi cikakken aiki ko ɓangare zuwa wannan lokacin ba. Domin zaka iya samun karin ko longasa doguwar balaga.

Bugu da ƙari, babu wasu kudade don saka hannun jari a kasuwannin farko ko na sakandare. An cire ƙaramin tarin kuɗi da kuɗin dawo da su daga kuɗin kuɗin bashin da aka samu. Kamar dai yadda akwai babbar kasuwar sakandare ta ciki wacce ke bawa masu saka jari damar siye da siyar da jarin su. A ciki, masu saka hannun jari na iya samun damar ɗaruruwan bayanan bayanai akan saka hannun jari ta hanyar abin da ake kira mai amfani da shi. Kasancewa ɗayan sabbin labarai game da tashoshin kuɗi na gargajiya. Reasonaya daga cikin dalilan da zasu iya jan hankalin ku zuwa hayar wannan sabis ɗin daga yanzu.