Zuba jari a zinariya - yana da riba?

Dangane da manufofin rarraba fayil, ana ɗaukar zinari ɗaya daga cikin mafi amintattun hanyoyin saka hannun jari. Adadin da muke riƙe a cikin nau'ikan saka hannun jari daban-daban yana ƙarƙashin jujjuyawar kasuwa zuwa digiri daban-daban. Masu matsakaicin matsayi a Amurka suna kashe kusan kashi 70% na ajiyarsu a hannun jari, shaidu da gidaje, kusan kashi 10% a wasan kasuwar hannun jari, kuma kusan kashi 20% na ajiyar da suke samu a zinare, watau. tushen albarkatun kuɗin sa.

Koyaya, babu wata al'adar saka hannun jari a cikin zinare a Poland saboda dalilai uku:

● Sandunan suna da ƙananan zinariya, galibi kayan ado;

● babu inda za a sayi zinariya tsantsa a farashi mai ma'ana;

● babu wani bayani ko talla akan darajar jarin zinari.

Don haka yana da daraja zuba jari a cikin zinariya?

Farashin zinari yana karuwa akai-akai, don haka a Poland yakamata ku saka hannun jari kusan 10-20% na ajiyar ku a cikin zinari mai tsafta. Don tallafawa wannan ƙasidar, ya kamata a yi la'akari da hauhawar farashin zinariya a cikin shekaru huɗu da suka gabata. A shekara ta 2001, zinari ya kai kimanin dala 270, a shekarar 2003 ya kai kimanin dala 370, kuma yanzu ya kai dala 430. Masu sharhi kan kasuwar zinari sun ce farashin dala 2005 kan kowace oza yana iya wuce gona da iri a karshen shekara ta 500.

A cewar Małgorzata Mokobodzka, manazarci a J&T Diamond Syndicate SC, akwai wasu muhimman dalilai na saka hannun jari a zinare: 

1) sabanin kudin takarda zinariya ba ya dogara ne akan sauyin farashin canji da hauhawar farashin kayayyaki;

2) Zinariya ita ce kudin duniya, kudin duniya daya tilo a duniya;

3) tsadar zinari na karuwa kullum saboda karuwar bukatar wannan karfe mai daraja daga fasahohin zamani;

4) zinariya yana da sauƙin ɓoye, ba a lalata shi a cikin bala'o'i, sabanin kuɗin takarda;

5) Zinariya koyaushe darajar gaske ce wacce ke tabbatar da rayuwar kuɗi yayin rikicin tattalin arziki ko rikice-rikicen makami;

6) Zinariya wani jari ne na gaske kuma na gaske a cikin nau'in zinari, kuma ba riba ce ta kama-karya da cibiyoyin kudi suka yi alkawari ba;

7) adibas na manyan kasashe masu karfin tattalin arziki a duniya sun dogara ne akan daidaiton zinare, wanda aka ajiye su a rumbun ajiya;

8) zinariya jari ne da ba ya bukatar haraji;

9) zinari shine tushen duk saka hannun jari wanda ke ba ku damar duba cikin nutsuwa a nan gaba;

10) Zinariya ita ce hanya mafi sauƙi don isar da dukiyoyin iyali daga tsara zuwa tsara ba tare da biyan haraji akan gudummawa ba.

Don haka, zinari yana da iyaka kuma maras lokaci, kuma saka hannun jari a cikin zinariya koyaushe yana da wayo. 

                                    an haramta kwafi