Shirye-shiryen sake saka jari ya bawa mai saka jari damar siyan sabbin hannun jari ta atomatik, don haka kara daidaiton hannun jarin da aka gudanar a cibiyar hadahadar kudi, ban da bayar da damar samun babban rarar riba har sai sun sake saka hannun jari ta hanyar asusun da aka kirkira Don wannan. Inda asusun masu hannun jari ke ba da babban albashi, sama da sauran nau'ikan asusun, tsakanin 5% da 7% sha'awa na shekara-shekara kuma galibi ana keɓance su daga kudaden gudanarwa da biyan kuɗi.
Babbar matsalar ita ce don samun damar waɗannan samfuran ya zama dole a saka hannun jari a cikin bankin da ke ba da lamuni, wanda ke nuna cewa dole ne a canza cibiyar hada-hadar kuɗi. Amma a kowane hali, wani zaɓi ga masu saka hannun jari shine sake saka ribarsu ta yadda zasu iya haɓaka nauyi a cikin zaɓin tsaro. Wato, za su sami ƙarin jari a cikin sayayyar hannun jari daga ɗayan kamfanonin da ke gabatar da wannan halayyar ta musamman.
Dabara ce wacce ake amfani da ita tare da wasu lokuta ta ƙananan da matsakaita masu saka jari tare da mafi kariya ko bayanin ra'ayin mazan jiya. Ingirƙirar tsayayyen jakar tanadi tana fuskantar tsakiyar kuma musamman dogon lokaci. Ta hanyar samun, saboda haka, yawan adadin hannun jari, damar ku na sanya babban birnin riba yana ƙaruwa ci gaba. Kodayake saboda wannan dalili idan aka rage darajar asara asarar za ta fi ta da. Duk wannan sakamakon haɓaka kasancewarta a cikin kamfanin da aka lissafa ta hanyar wannan dabarun saka hannun jari wanda yawancin masu amfani da kasuwar hannun jari ke yawaita.
Azuzuwan rabe-raben
A kowane hali, dole ne a tuna cewa akwai nau'ikan rarar rarar ƙasa da yawa. Yanayin bai zama kamar na da ba, inda kawai ake da zaɓi cewa wannan albashin ya tafi kai tsaye zuwa asusun ajiyar masu hannun jari. Tabbas, tayin ya banbanta kuma saboda haka akwai wasu hanyoyin tattara rarar da zata dogara da bayanin martaba da na gabatar karamin da matsakaitan mai saka jari. Wato, idan kuna buƙatar saka hannun jari ko, akasin haka, kun fi son ƙara nauyi a cikin kamfanin da aka lissafa. Har zuwa wani lokaci, magani ne na musamman wanda wannan nau'ikan albashin ke bayarwa a kasuwannin daidaito.
Daga wannan tsari na musamman na musamman, lokaci yayi da za a gano ire-iren rarar da kanana da matsakaitan masu saka jari zasu iya samu daga yanzu. Suna da yawa kuma suna da yanayi iri-iri kamar yadda zaku iya tabbatar da wannan bayanin. Wasu daga cikin su suna da kirkirar gaske dangane da injiniyan su wajen rarraba ribar kamfanonin. Kuma cewa za su iya zuwa gare ku fiye da sauran a wani lokaci a rayuwar ku. Kodayake kamfanoni ƙalilan ne suka zaɓi waɗannan dabarun saka hannun jari.
Kudin riba
A cikin tsarin rabon gargajiya, kamfanoni suna rarraba wani ɓangare na ribar su, tsabar kuɗi daga akwatin su, wanda aka karɓa daga hannun masu hannun jari kuma aka aiwatar da ribar zuwa (a halin yanzu kashi 19%). A wannan yanayin musamman, yawan hannun jarin kamfanin bai canza ba, don haka mai hannun jarin yana karɓar kuɗi kuma hannun jarinsa a kamfanin ya kasance iri ɗaya. Hanya ce ta dawo da fa'ida a cikin saka hannun jari kuma musamman idan lokacin dindindin ba zai yi tsayi sosai ba. Wato, kun fi son karɓar wannan kuɗin maimakon haɓaka matsayinku a cikin tsaro da ake magana a kai. Har yanzu ita ce hanyar da ta fi dacewa don tattara rarar kuma wacce mafi yawan kamfanoni suka zaɓa a cikin jerin zaɓuɓɓukan daidaito a Spain, Ibex 35.
Babban fa'idarsa ya ta'allaka ne da cewa wannan rarraba rarar ba zai dogara da abin da ke faruwa a kasuwannin daidaito ba. Idan ba haka ba, akasin haka, kuɗi ne da zasu kasance a cikin asusun ajiyar ku daga ranar da aka tsara wannan biyan kuɗin ga mai hannun jarin. Har ila yau da tasirinsa ga masu saka hannun jari ta hanyar samun tsayayyen tabbataccen kudi a kowace shekara da duk abin da ya faru a kasuwannin daidaito. Har zuwa cewa yana iya zama kuɗin da ba ku da shi kuma yana iya haifar muku da shagaltar da kanku kowane lokaci.
Rarraba Scrip
Wannan nau'i na rarar rarar ya zama sananne a cikin 'yan shekarun nan saboda matsalolin kamfanoni da yawa don samun damar ci gaba da biyan rarar gargajiya, tun da ribar da suka samu ta fadi da gaske kuma babu kuɗi a tsabar kuɗi don kula da ita. A saboda wannan dalili, sun yanke shawara a kan wani hadadden tsarin rarar kudin da ba zai gabatar da fa'idodi ga mai hannun jari ba kuma kusan duka ga kamfanin. Gaskiya ne cewa tsari ne wanda yake tafiya dorawa kan wasu kamfanoni wanda ya hada da Ibex 35, amma wanda bai samu karbuwa ba ta hanyar takamaiman bayanin martaba tsakanin masu saka jari.
Duk da yake a ɗaya hannun, dole ne a jaddada cewa wannan rarraba cikin rarar kuɗi an tsara shi don samun babban nauyi a cikin kamfanin da ke rarraba fa'idodi tsakanin masu hannun jarin sa. Tsarin tsari ne wanda ya fara da ƙarfi sosai, amma bayan lokaci ya rasa ƙarfi saboda haɗarin da farashin ragin zai iya ragewa daga wannan lokacin zuwa. A lokacin da rashin kwanciyar hankali a kasuwannin daidaito shine ɗayan manyan abubuwan da suke raba su. A cikin kowane hali, yana nan a cikin tayin na yanzu na kamfanoni waɗanda aka jera akan kasuwar hannun jari a halin yanzu.
Tare da cajin zuwa babban rabo
Wannan bambancin na musamman ne na tsarin rabon kayan gargajiya, wanda aka rarraba rarar ga masu hannun jarin ba tare da cajin riba ba, amma tare da cajin batun fitowar hannun jari ko ajiyar da ba a raba ba. Wannan a aikace yana nufin cewa ribar da ba'a rarraba shekara guda azaman riba ba, ya zama ajiya a kan ma'auni. Wani zaɓi kuma wanda yake a halin yanzu shine wanda ya shafi haƙƙin hannun jari. Inda, idan kuna so, zaku iya siyar dasu akan farashin kasuwa. Amma ya yi watsi da tarin rarar. A wannan ma'anar, don aikin ya kasance mai fa'ida da gaske, ba za ku sami wata mafita ba face daidaita daidaitaccen farashi don kawar da haƙƙin hannun jari.
A gefe guda, ya kamata a lura cewa a cikin wannan tsarin kuna da lokacin ƙarshe don aiwatar da wannan aikin a kasuwannin daidaito. A saboda wannan dalili, ya zama dole ku bi farashin ƙididdigar don ganin ko kuna iya samun ƙarin kuɗi wanda rarraba rarar zai haifar da ku ta hanyar tsarin gargajiya na wannan rarraba cikin rarar. Abinda ake kira rarar da aka caje shi da shi shima yana nan. Inda wannan rarraba rarar dole ne ya cika buƙatu iri ɗaya kamar rarraba rarar da aka ɗora a sakamakon shekara. Koyaya, za a rarraba rarar, kamar yadda sunan ya fada, daga cikin wadatar kamfanin.
Wane samfurin za a zaɓa?
Ba tare da la'akari da hanyar da aka zaba ba, dole ne muyi la'akari da mai zuwa yayin yarda da rabarwar. A gefe guda, idan akwai fifikon rabon fifiko game da wasu shiga / hannun jari A cikin kamfanin, kafin rarrabawa, dole ne a rufe wannan rarar fifiko. Duk da yake a gefe guda, dole ne a kafa lokaci da hanyar biyan kuɗin rarar da aka yarda. Matsakaicin lokaci don cikakken biyan rarar zai kasance watanni goma sha biyu daga ranar da aka yanke hukuncin babban taron inda aka amince da rarraba su.
Ala kulli hal, abu na farko da yakamata muyi la'akari dashi yayin ci gaba da raba riba shine cewa anyi dole ayi rabon don abokan gwargwadon yawansa a cikin babban kason. Ko ta yaya, a ƙarshe dole ne a yanke shawara da kanku kuma ya dogara da abubuwan da kuke so, wanda zai iya zama daban a lokuta daban-daban a rayuwar ku.
Fihirisar hanyoyin tsaro tare da rarar fa'idodi
El Ibex Top Raba Fihirisa ne na kasuwar hannun jari ta Sipaniya wacce ke tattara kamfanoni 25 da suka sami riba mai yawa a kasuwar ta Sipaniya kuma waɗanda manufar su ita ce ta tattara halayen kamfanonin da ke ba da irin wannan diyyar. Matsakaitan lambobin suna da nauyi a cikin wannan jadawalin gwargwadon yawan ribar da aka samu don daidaitawa ga kamfanin kyauta kuma tare da rarar kuɗi bisa ga membobinsu a cikin Ibex 35, Ibex Matsakaici Cap o Ibex Capananan Cap. A wata hanyar kuma, masu hannun jari da ke sha'awar albashin da waɗannan kamfanoni za su bayar ya kamata su sani cewa a cikin 'yan watanni masu zuwa wasu daga cikinsu za su ba masu hannun jarin wannan biyan kuɗin.