Tallace-tallace
Da farko, muna buƙatar fahimtar menene adadin selic: Adadin Selic, ko Tsarin Musamman na Tsaftacewa da Kulawa, wata muhimmiyar hanya ce ta manufofin kuɗi na Brazil. Wanda ke ƙarƙashin kulawar Banco Central, wannan adadi yana tasiri kai tsaye ga tattalin arzikin ƙasar, yana shafar riba, bashi, zuba jari da hauhawar farashi.
Ana ƙayyade Adadin Selic ta hannun Comitê de Política Monetária (COPOM) a tarukan lokaci-lokaci, waɗanda ke tantance yanayin tattalin arzikin ƙasar kuma su yanke shawara kan adadin. Baya ga amfani da shi a matsayin ma’auni ga rance, zuba jari da ajiyar kuɗi, yana kuma yin tasiri a dukkan tsarin kuɗi na Brazil.
Tallace-tallace
Yadda yake aiki
Aikin Adadin Selic yana da sauƙi: idan Banco Central na son ƙara bunƙasar tattalin arziki, ana rage shi. Wannan yana rage tsadar bashi, yana ƙarfafa amfani da kuɗi da zuba jari, sannan yana sa takardun bashi na gwamnati su zama marasa jan hankali, yana karkatar da zuba jari zuwa kamfanoni masu zaman kansu.
A gefe guda kuma, domin sarrafa hauhawar farashi ko daidaita tattalin arziki, ana ƙara adadin, wanda ke tsawata bashi kuma ya rage saurin ayyukan tattalin arziki.
Tare da mafi girma, takardun gwamnati suna zama masu jan hankali, suna ƙarfafa saka hannun jari wajen samar da kuɗin tallafi. Duk da haka, wannan mataki na iya hana saka hannun jari na masu zaman kansu, ta haka yana rage haɓakar tattalin arziki.
Yana da muhimmanci a jaddada cewa sauye-sauyen Selic suna shafar aljihun ’yan Brazil kai tsaye. Ƙananan kudaden ruwa suna nufin ƙarancin ruwa kan rance da kuɗaɗen tallafi, suna sauƙaƙa samun bashi.
A gefe guda kuma, mafi girman kudaden ruwa suna haifar da ƙarin ruwa, suna sa rance ya fi tsada kuma suna shafar amfani da iyalai.
Yadda ƙimar Selic ke shafar rayuwar ’yan Brazil
A taƙaice, duk lokacin da kake niyyar saka hannun jari a kasuwar kayayyakin da Gwamnati ke bayarwa, karɓar rance, rancen cire kuɗi kai tsaye daga albashi, sayen gida, mota ko kowane irin tallafin kuɗi na banki, yana da muhimmanci ka kula da sabbin bayanan ƙimar Selic, domin a gudanar da mu’amalar kuɗinka a lokacin da ya dace kuma kada ka biya ruwa mafi girma.
Hoto: Freepik
