Luqmaan Xakiim
wasiir11@hotmail.com


Marka ay sharrikadduhu samaynayaan maal gallin waxa ay adeegsaddaan qaab cilmiyeeysan oo ku kaalmeeynaya sidii ay go'aan uga gaadhi lahaayeen sida ay u rabaan maal gallinta iyagoo sida badan fiiriya qiimaha uu maanta leeyahay cashka ay filayaan mustaqbalka(future cash flow).

Sidoo kale wax innoo diidaya ma jiro in aynu adeegsano isla fikirka ay adeegsadaan sharrikaduhu marka aynu rabno in aynu iibsano hantidda ma guuraanka ah sida guryaha , baabuurta , dhulka iwm.

Hadii aad rabto mattalan in aad iibsato baabuur qiimihiisu yahay $16000 , lix sannadood kadibna aad ku gaddi karto $7000 ama aad baabuurka ku heli karto dayn , bil walbana aad bixinayso $300 muddo sadeex sanno ah inta milkiyadda baabuurku ay kugu soo wareegin maxaad samayn lahayd ?

Ma waxaad dooran lahayd in aad baabuurka lacag caddaan ah ku gadato ($17000) mise in aad deyn ku qaadato oo aad bil walba bixiso $300 ilaa saddex sanno laga gaadhayo ? jawaabu waxa ay ku xidhantahay qaabka aad deynta ku helayso oo badanaaba uu la socdo Dulsaar(interest rate) sidaas daraadeed hadii uu Dulsaaarku hooseeyo waxaa fiican in aad baabuurka ku iibsato cash waayo qiimaha xaaligga ee deynta (present value) ayaa sareeya caksiga arrintanina waa sax.

Ogoow in Dulsaarku yahay xaaraam , ruxii isticmaalana uu ILLaahay agtiisa ka mutaysannayo ciqaab adag , kaliya halkan waxa aan kusoo bandhignay aragtidda dhaqaale ee reer galbeedku aaminsan yahay iyo sida ay u lafo guraan marka ay darsayaan arrimahan oo kale.


Luqmaan Xakiim
wasiir11@hotmail.com

BILICDA SOMALIYA
Luuq Ganaane, 1987
Waa wiil yar oo Somaliyeed oo nayl yar dhabta kuwata xilli nabadana dhexjooga Bilicda dhulka Soomaaliya. Akhri