Shakka babu cewa saka hannun jari zai canza sosai kamar wannan faɗuwar. Ofaya daga cikin dalilan bayyana wannan yanayin shine saboda Babban Bankin Turai (ECB) zai tsaya kara kuzari kasuwannin hada-hadar kudi kuma wannan za'a lura dashi a farashin hannun jari akan kasuwar hannayen jari. Wataƙila ku jira 'yan watanni, amma ƙididdigar da babu shakka za ta shafi babban ɓangare na ƙananan da matsakaitan masu saka jari. Abu ne na farko wanda za'ayi la'akari dashi daga waɗannan ƙayyadaddun lokacin.
A gefe guda, kuma game da daidaitattun sifaniyanci, alamun farko na a yaudara na tattalin arzikin kasa. Gaskiyar cewa kuma zai koma kasuwannin daidaito. Tare da yanke tsammani a farashin hannun jari. Tabbas, babban ragin da ya faru a cikin recentan shekarun nan ba za a yi tsammanin sa ba. Wannan lokacin ne wanda ya shiga cikin tarihi, aƙalla na ɗan lokaci. A kowane hali, wani bangare ne da masu saka hannun jari za su yi la'akari da shi.
Sakamakon waɗannan mahimman halayen tattalin arziƙin biyu, masu amfani da hannun jari ba su da wani zaɓi sai dai kawai canza dabarun ka don samun damar ajiyar ku. A wasu lokuta, tare da ɗan bambanci kaɗan a cikin jakar kuɗin tsaro, amma a wasu, ƙarƙashin canjin canji mai ma'ana a inda yake. Don kar a fita daga wasan, babu wani zaɓi sai dai daidaita waɗannan ƙungiyoyi. Don aiwatar da wannan aikin daidai ya zama dole mu samar muku da wasu ajujuwa kan inda za'a iya jagorantar kasuwannin kuɗi daga yanzu.
Yaya wannan shekarar zata kasance don saka hannun jari?
Dabara don inganta ribar saka hannun jari ya dogara ne da zaɓar ƙa'idodin masu ra'ayin mazan jiya don cutar da ƙarancin shawarwari. Ta wannan hanyar, za ku kuma sami nasarar kare dukiyar ku ko ta iyali. Daga wannan yanayin, ɗayan mafi kyawun ra'ayoyin suna samuwa ta hanyar kamfanonin da aka lissafa waɗanda ke rarraba rarar tsakanin masu hannun jarin su. Ba a banza ba, da tsayayye da ribar shekara-shekara suna bayarwa kusan 5%. Fiye da abin da aka bayar a halin yanzu ta ƙayyadadden kuɗin shiga kuma wannan da wuya ya wuce matakan 1%.
A gefe guda, dole ne mu magance ƙimomi daga sassa masu aminci da kuma cewa suna da babbar riba a layukan kasuwancin su. Misali bayyananne na wannan yanayin ya sami wakilcin kamfanonin lantarki da kamfanoni masu alaƙa da makamashi na asali. A wannan ma'anar, babu wani zaɓi sai dai don zuwa ƙimomin da aminci ke kan sauran ƙididdigar fasaha. Kodayake wannan dabarun na iya bayar da rahoton cewa aikinta ya yi ƙasa a cikin lokacin da muka gabatar da shi ga saka hannun jari. A cikin kasuwannin hada-hadar kuɗi akwai isassun shawarwarin kasuwar hannayen jari waɗanda suka haɗu da wannan sifa ta musamman.
Nemi wasu samfuran
A cikin waɗannan nau'ikan yanayin, koyaushe akwai zaɓi wanda ƙananan masu saka hannun jari ke da shi tun daga farko. Waɗannan fare-fare sun fi kowane riba riba, duk da cewa ba za a sami zaɓi ba sai dai neman su da ɗan haƙuri. Dogaro da haɓakar kasuwannin kuɗi, zaku iya zama man fetur, wasu ƙarfe masu daraja ko ma kofi kanta. Kamar yadda suke faɗi akan kasuwar hannun jari, koyaushe akwai damar kasuwanci har ma a lokutan da ba su da kyau ga kasuwannin kuɗi. Tabbas, yana da sauki kuma abu ne da yakamata kuyi tun daga lokacin faduwar da kuka fara yanzu.
A gefe guda, binciken madadin samfurin saka hannun jari na iya zama mafi riba sosai don bukatunku. Koda kuwa a musayar don ɗaukar ƙarin haɗari, don haka ana ba da shawarar sosai cewa ku zaɓi ayyukan ƙananan kasuwannin ƙanana. Domin a ƙarshen ranar sha'awar da zaka iya samu na iya biyan ka daidai. Ko da fiye da haka a cikin babban aiki da aka gudanar a ƙarƙashin babban adadin babban birnin. Ba za ku sami zaɓi ba sai yin lissafi don tabbatar da wanne ɓata ne da dole ku yi daga asusun binciken ku.
Theara fa'idodi na adibas
Ofaya daga cikin tasirin da ya dace da yiwuwar tashi cikin farashin kudi a cikin yankin Euro yana zaune a cikin gaskiyar cewa ribar manyan kayayyakin tanadi ya ɗaga. Daga yanzu zasu ba ku ƙarin kuɗi don ajiyar babban birnin. Bambancin ba zai yi yawa ba, amma aƙalla zai isa ya baku ɗan abin farin ciki daga shekara mai zuwa. A wannan ma'anar, ajiyar ajiyar banki zai kasance wasu daga cikin mafi fa'ida ta hanyar haɓaka kuɗin sha'awarsu da fewan kashi goma na kashi kashi. Kuma a matsayin samfuran nasara na wannan yanayin wanda zai ɗauki sifa daga wannan faɗuwar.
Yana iya kasancewa lokaci don zama ɗan ɗan kiyayewa a cikin matsayin ku kuma koma lokacin ajiya. Musamman idan suna tare da kyauta mai karimci da haɓaka banki. Misali, waɗanda aka ƙaddara ga sababbin abokan kasuwancin banki. A gefe guda, ba za ku iya mantawa da cewa daga wannan lokacin ba ajiya za ta sami fa'ida fiye da saka hannun jari kanta. Kishiyar abin da ke faruwa har zuwa yanzu. Da kyau, yana iya zama lokaci don bambanta dabarun saka hannun jari ku zama marasa motsi kamar yadda kuke har zuwa yanzu. Domin a ƙarshen rana abin da yake game da samun riba mai fa'ida. Babu wani abu ƙari, babu ƙasa da haka.
Yi amfani da raguwa a cikin ƙimomi
Wani tsarin saka jari ya dogara ne akan gano damar kasuwanci amma a cikin kasuwannin hannun jari da kansu. Kodayake ga alama baƙon abu ne kuma wataƙila ma tare da saƙon saɓanin fili. Da kyau, wannan yanayin zai haifar muku da kasancewa a shirye tsaf don siyan hannun jarin tsaro a farashi mai rahusa. A sakamakon wannan aiki, babu kokwanto cewa ribar aikin kasuwar hada-hadar hannayen jari zai fi haka sama da yanzu. Wataƙila a cikin kamfanin da aka lissafa waɗanda kuke so ƙwarai, amma ba ku yanke shawarar saya ba saboda kuna tsammanin farashinsu ya yi yawa.
Koyaya, wannan dabarun saka hannun jari yana da mummunar ma'ana kuma wannan shine cewa baza ku iya aiwatar dashi ba a cikin mafi kankanin lokaci. Idan ba haka ba, akasin haka, an yi nufin shi tsawon lokaci kuma gabaɗaya don ɗanɗanar masu amfani da ra'ayin mazan jiya ko na gargajiya. A wannan ma'anar, ana iya fassara ta azaman sabuwar damar da kasuwannin kuɗi suka bayar don ku sami damar komawa duniyar daidaitawa gaba ɗaya.
Samun kwangila
Kodayake ta hanyar da ta fi taƙaitacciyar hanya, lokaci ne na musamman don dawowa zuwa samfuran juji. Wato, waɗanda ke haifar da babban ribar kasuwancin su a cikin tasirin kasuwancin kasuwannin kuɗi. Tare da samun kuɗi wanda zai iya zama mai karimci idan aka sadu da wannan yanayin. Amma kuma a farashin ɗaukar haɗarin haɗari a cikin aiki saboda mawuyacin waɗannan motsi. Domin idan ba su da fa'ida gaskiya ne cewa za ku iya barin yawancin, mai yiwuwa ya wuce kima, euro a kowane ɗawainiyar da ke keɓance da wannan halaye na musamman ga wasu masu saka hannun jari.
A gefe guda, an ƙirƙira shi azaman keɓaɓɓiyar dabarar don kare kanta daga buɗe wurare a cikin kasuwannin daidaito. Domin hakika, tabbas zai taimaka asarar kasuwar hannun jari ba a furtawa kamar na wannan faduwar da muka fara yanzu. Duk da yake wani daga mafi ingancin halayensa yana zaune a cikin gaskiyar cewa samfuran kife suna da inganci sosai don canje-canje na sake zagayowar kuma sama da sauran zaɓuɓɓuka a cikin takamaiman saka hannun jari.
Tsara kayayyakin ɗan gajeren lokaci
A matsayin dabarun saka hannun jari na karshe, daukar hayar samfuran saka jari wanda ya dogara da sababbin yanayin kasuwannin hada-hadar kudi. Su na ɗan gajeren lokaci ne amma tabbas sun fi dacewa monetize tanadi a ƙarƙashin mafi inganci daga duk ra'ayoyi. Koyaya, wannan samfurin saka hannun jari an tanada shi don mafi yawan bayanan martaba na saka hannun jari waɗanda zaku iya haɗari a cikin matsayin su. Idan wannan batunku ne, to, kada ku yi shakkar shi, saboda fa'idodin da za ku iya samu ya fi wanda za a iya tsammani, kodayake a hankalce yana ɗaukar ƙarin haɗari fiye da sauran matsayin da mafi yawan masu amfani ke karɓa.
Daga waɗannan samfuran saka hannun jari ya fi sauƙi don cimma maƙasudinku mafi girma, amma ba tare da wata shakka ba za a sami zaɓi face a ci gaba da bin sa hannun jari koyaushe. A halin da ake ciki a kowane lokaci dole ne ku warware matsayin don kauce wa babbar asara a cikin babban birnin da aka saka. Ba a banza ba, yanayi ne da dole ne ku yi tsammani tare da kwangilar wannan nau'in kayan kuɗin. Saboda gaskiya ne cewa zaku iya samun kuɗi da yawa, amma saboda wannan dalili, ku bar euro da yawa a hanya. Zuwa ga cewa ba duk masu saka jari zasu iya jure wannan yanayin mafi rikitarwa wanda za'a iya gabatar muku a kowane lokaci. Domin shine mafi mahimmancin keɓance na wannan rukunin samfuran da aka shirya don saka hannun jari.