Tasirin hauhawar farashin kaya a zahiri
Hauhawar farashin kaya tana rage darajar ajiyar ku duk shekara. Misali, idan hauhawar farashin kaya ta kai 7% kuma kudin amfani na banki ya kai 4%, to kuna asarar kashi 3% na hakika. A kan ajiyar Naira miliyan 1, wannan asarar ce ta Naira 30,000 a shekara. A cikin kudin Islama, riba (riba) haramun ne, don haka asusun ajiyar gargajiya ya saba ka'idojin Musulunci.
Asara a tsarin riba
A bankunan gargajiya, kudin amfani da kuke samu ba zai yi daidai da hauhawar farashin kaya ba. A zahiri, bankuna suna ba da rancen kudin ku don samun riba mai yawa, yayin da kuke samun ƙaramin riba. Wannan yana rage darajar ajiyar ku. Kudi na Islama ya dogara ne akan dukiya ta hakika, wanda ke ba da kariya daga hauhawar farashin kaya.
Madadin a kudi na Islama
Kudi na Islama yana ba da mafita marasa riba, kamar murabaha (saye-fara-fa'ida) ko mudaraba (rabon riba). Wadannan tsare-tsare suna rage tasirin hauhawar farashin kaya saboda suna da alaka da dukiya ta hakika. Qist (قسط) yana ba ku damar saka hannun jari a kasuwar cryptocurrency bisa ga ka'idojin Musulunci.
Alkaluman hauhawar farashin kaya
Hauhawar farashin kaya ta bambanta a duniya. A Najeriya, a 2023, matsakaicin hauhawar farashin kaya ya kai kusan 24%. Idan kun ajiye Naira miliyan 1 kuma kuna samun riba 4%, to kuna asarar Naira 200,000 a shekara. Tare da Qist, kuna iya yin mu'amala ta USDC don kauce wa hauhawar farashin kaya kuma ku dawo da rarar.
Yadda Qist ke aiwatar da hakan
Qist dandamali ne na kudi na Islama wanda ke aiki akan Base blockchain. Yana bin ka'idoji: mai siyarwa ya mallaki dukiya, biya ta USDC, babu riba/gharar, ana mayar da rarar, kuma akwai kwanaki 3 na jinkiri. Wannan yana kare ajiyar ku daga hauhawar farashin kaya.
Gano Qist: qist.info
Wannan abun ciki ne na bayani kawai, ba shawara ta kudi ba.