Kamar yadda yake faruwa tun farkon farkon shekara, kodayake tare da ƙaramin ƙarfi a cikin 'yan watannin nan, masu saka hannun jari sun ci gaba yin fare akan nau'ikan mafi ra'ayin mazan jiya a lokacin. Don haka, kuɗaɗen saka hannun jari tare da mafi yawan rijistar shiga cikin watan Yuni sun kasance tsayayyen kuɗaɗen shiga da tsayayyen kuɗaɗen ƙasashe tare da Euro miliyan 885 da 773, bi da bi, bisa ga sabon bayanan da ofungiyar Cibiyoyin Zuba Jari da Pan fansho ke bayarwa (Inverco) .
Bugu da kari, rahoton ya nuna haka kudaden shiga na tsawan lokaci su ne waɗanda suka fi shigowa da kuɗi a cikin 2019 tare da Yuro miliyan 1.987. Hakanan, ƙasashe masu rijista na rijista waɗanda suka yi rijista a cikin watan Yuni don ƙimar Yuro miliyan 217 kuma shi ne rukunin da ke tara kuɗaɗen shiga cikin shekara tare da Yuro miliyan 1.557, kawai ya wuce ta tsayayyen kudin shiga na dogon lokaci.
Akasin haka, cikakken kuɗin dawowa ya kiyaye yanayin watannin da suka gabata kuma a farkon rabin shekarar an sami tarin malalar Euro miliyan 2.241. Asusun saka hannun jari na hannun jari na Euro (ba tare da Spain ba) yana biye da shi tare da fansar kuɗi a cikin watanni shida na farkon 2019 na miliyan € 1.496. Ofungiyar Cibiyoyin Zuba Jari da Asusun fansho sun kuma tabbatar da cewa game da gudana, kuɗin saka hannun jari sun nuna halin kwance a watan Yuni kuma sun yi rijistar biyan kuɗin Euro miliyan 12. A shekarar gabaɗaya, suna tarawa fansa fan miliyan 387.
Asusun saka jari
A cikin wannan yanki na saka hannun jari, Banco Santander shima ya fito a matsayin jagora a Spain a cikin kuɗaɗen saka hannun jari (SRI), tare da sama da kashi 66% na duk waɗannan kayayyakin da Santander Asset Management ke sarrafawa. Inda babban sabon abu shine Santander AM ya ƙaddamar da asusun saka jari na 'koren shaidu'. Kasancewa halin da sauran manajoji suka haɓaka, na ƙasa da na kan iyakokinmu. A matsayin ƙarin madadin guda ɗaya don samun damar ajiyar kuɗi ta hanyar samfuri na musamman kamar wannan. Tare da ingantaccen tsarin muhalli daga farko.
Saboda a zahiri, Santander Asset Management ya ƙarfafa kewayon wadataccen kuɗin saka hannun jari tare da ƙaddamar da Santander Sostenible Bonos, samfurin da aka tsara don masu kiyaye ra'ayin mazan jiya waɗanda za su saka jakar su a cikin batutuwan galibi na 'kore shaidu' (bashin kamfanoni da aka tsara don ɗaukar nauyin ayyukan kore. : makamashi mai tsabta, raguwar fitarwa ...), wanda za'a haɓaka tare da wani nau'in 'dorewar shaidu', kamar zamantakewa, canjin yanayi ko alaƙar muhalli, dukansu sun mai da hankali ga haifar da kyakkyawan tasiri ga al'umma da mahalli.
Kuɗaɗen alhakin zamantakewar jama'a
Wannan wani ɗayan yanayin ne wanda ke cikin kewayon waɗannan samfuran da aka ƙaddara don saka hannun jari. Inda masu saka hannun jari zasu iya zaɓar saka hannun jari a cikin asusun wanda manyan ayyukan su suke dangane da kamfanoni masu ƙa'idodin ɗabi'a, zamantakewa ko muhalli, ta hanyar da zata baku damar daidaita kanku gwargwadon imanin ku, baya ga ribar da zasu iya bawa masu rijista. A ka'ida, ba su da kyau ko muni fiye da sauran kudaden saka hannun jari, amma sun bambanta. Daga gaskiya a bangaren hada-hadar kudi, babu shakka za a iya samun kudaden da suka kafa jadawalin aikinsu bisa ka'idojin aiki na kasuwanci ko kuma wasu da ke kafa iyakancin rashin saka hannun jari a masana'antar kera makamai, samar da giya da masana'antun samar da ita.
Ko da mahimmancin sa suna ci gaba a cikin manufofin da waɗannan samfuran kuɗin ke bi. Ba abin mamaki bane, wasu kudaden saka jari ba da gudummawar 0,5% na kuɗin gudanarwar ga ƙungiyoyi masu zaman kansu na asusun, yayin da wasu kuma aka kaddara zuwa kiyayewa da kuma gyara manyan cocin da ke wani bangare na kayan tarihin Spain. Don haka ta wannan hanyar masu riƙe da irin wannan zasu iya taimakawa da waɗannan ayyukan, yayin da a ɗaya hannun kuma za su iya samun ribar tanadin su daga dabarun saka jari kwata-kwata ya bambanta da sauran ƙirar.
Bisa ga hadin kai
Waɗannan tsarukan ba na musamman bane a cikin tayin da ake gabatarwa yanzu da kuɗin hannun jari. Idan ba haka ba, akasin haka, akwai wasu tsarukan kamar su hade da hadin kai. Wanda sana'ar sa hannun jari ta kunshi mallakar gajeren lokaci na samun kudin shiga na jama'a da masu zaman kansu don rage haɗarin saka hannun jari na abokan ciniki, ƙoƙarin cimmawa, a lokaci guda, iyakar riba. An kiyasta matsakaiciyar lokacin ajiyar fayil mai shigowa mai tsafta na sharuddan kimanin watanni 12 zuwa 48.
Ko ma tare da dorewa kuma manufar su ita ce saka hannun jari a kamfanonin da ake ɗaukar su azaman ci gaba mai ɗorewa. Fahimtar irin wannan saka hannun jari a cikin waɗancan kamfanonin da ke iya haɗakar da muhalli, zamantakewar al'umma da damar gudanar da mulki da haɗari cikin dabarunsu da ayyukansu na aiki tare da hangen nesa na samar da ƙima a matsakaici da dogon lokaci ga mai saka jari. Ta hanyar kudaden saka hannun jari daban-daban waɗanda ke cikin tayin manajan yanzu.
Ba da shawarwari game da saka hannun jari
Sauran samfuran, akasin haka, suna mai da hankalinsu kan asalin shawarwarin saka hannun jari. Zuwa ga bangarorin da kadan manajojin kasashen duniya suka bincika har zuwa yanzu. Wannan takamaiman lamarin samfurin da ake kira MSCI Duniya karafa & Mining. Wanda babban burinsu shine don samun iyakar riba mai yuwuwa ga mai halarta ta hannun jari mafi yawa a cikin tsaro bayarwa ta babban da tsakiyar caparfafawa waɗanda ke mai da hankali ga ayyukansu galibi akan ɓangaren albarkatun ƙasa. Wadannan saka hannun jari sun fi mayar da hankali kan yankin euro, amma kuma kan wasu, kamar sauran kasashen membobin kungiyar OECD.
Waɗannan kuɗin saka hannun jari ne sun fi yawan tashin hankali kuma matakin canjinsa yana da girma sosai. Har zuwa ma'anar cewa ana iya rasa kuɗi da yawa a kan hanya, kodayake saboda wannan dalili ne ya haifar da dawowar da ba a sani ba a cikin sauran kuɗin saka hannun jari. Ta wannan hanyar, samfuri ne wanda aka tsara don ingantaccen bayanin martaba na mai saka jari kuma wannan mai amfani ne mai saurin tashin hankali wanda ke neman samun riba mai yawa akan wasu nau'ikan abubuwan la'akari. Kasancewa irin sa hannun jari ne wanda ke nufin masu saka jari tare da ingantaccen bayanin martaba. A matsayin wani madadin cewa masu amfani suyi kwangilar samfur tare da waɗannan halayen.
Productsarin samfuran al'ada
Akwai koyaushe albarkatun zaɓar mafi ƙa'idodi na al'ada a cikin ɓangaren asusun saka hannun jari. Kuma zaɓi ɗaya yana wakilta ta hanyar saka hannun jari a cikin daidaiton tsohuwar nahiyar kuma takamaimai ta hanyar Eurostox 35. Don haka ta wannan hanyar, suna ba da damar mai saka hannun jari ya wakilci cikin daidaiton Turai ba tare da an fallasa kai tsaye a kasuwar hannun jari ba. Inda ba lallai bane ku ci kuɗi a kan takamaiman ƙimar tunda tunda za ku saka kuɗin ku a cikin mafi yawan wakilan kamfanoni a cikin yankin euro. Kodayake tare da rashin fa'idar tattara cikakkiyar nasarar ribar da kasuwar hada-hadar hannayen jari ta Turai za ta iya samarwa, baya ga kashe kuɗaɗe da kwamitocin da suka fi na saka hannun jari a kasuwar hannayen jari, wanda wani lokaci yakan tashi zuwa 3%.
An banbanta wannan tsari na saka jari ta hanyar bukatar a kasa da ilimi na ayyukan da aka gudanar wanda ya samo asali daga saka hannun jari a cikin kasuwar kasuwa ba tare da haɗarin kuɗi ba. Wannan shine ma'anar, wanda kudin sa Yuro ne kuma kuma saboda kamfanoni ne masu ƙarfi a cikin tsarin kasuwancin tsohuwar nahiyar. Mafi qarancin saka hannun jari don shigar da waɗannan kuɗaɗen ya dogara da halayen kowane ɗayansu, amma a halin yanzu akwai samfuran da za a iya biyan su daga euro 500 kawai, kodayake don saka hannun jari don samar da tasirin da ake buƙata dangane da fa'idar da aka fahimta ya zama dole ajiya a kusan euro miliyan 5.000 aƙalla.
Jarin saka hannun jari akan Intanet
Hakanan zaka iya nemo cikin kuɗin saka hannun jari tare da wasu asalin asalin waɗanda ke saka hannun jari a ɓangaren sabbin fasahohi, musamman ta Intanet. Inda aka sanya hannun jari a bangarori daban-daban da suka shafi wannan kafar watsa labarai. Daga cikin wadanda suka yi fice sana'ar lantarki, software, hardware, dillalai na kan layi, da dai sauransu. Waɗannan su ne, a mafi yawan lokuta, kamfanoni waɗanda ke ba da kyakkyawan tsammanin ci gaban haɓaka kuma waɗanda ke da ƙimar kimantawa sosai kuma sama da sauran fannoni a cikin daidaito.
Sabbin fasahohi wasu sabbin hanyoyi ne masu ban sha'awa don gamsar da wannan sha'awar ta bangaren kanana da matsakaitan masu saka jari. Har zuwa ma'anar cewa ɗayan mafi sauƙi don tabbatar da wannan buƙatar ana samun sa ne ta hanyar kuɗin saka hannun jari na waɗannan halayen. Musamman waɗanda suke daga wasu yankuna, kamar China da sauran dodannin Asiya. A kowane hali, kyauta ce mai mahimmanci wacce ke cikin shawarwarin da kamfanonin gudanarwa na duniya ke bayarwa ga abokan cinikin su. Kodayake tare da kwamitocin da galibi suka fi yawa. Amma ya zama ɗayan sabon abu wanda masu saka hannun jari ke dashi daga yanzu. Ta hanyar kudaden saka hannun jari daban-daban da ke cikin tayin da ake gudanarwa na kamfanonin gudanarwa.