Hal-abuurka Ganacsiga -1

 

In-badan asbuuca kowaad ee sannadka cusub, waxay diiraddu ii saarnayd mawduuca ah “Diyaargarow ganacsi”, markii aan gudo-galnay waan bilaabay. Waa murugo in sanadkii hore ahaa sanad ganacsiyo badani ay suuqa ka baxeen. Waxaan si adag u aaminsanahay in haddii hawlwadeennada ganacsiyadaasi ay fahmi lahaayeen ahmiyadda hal-abuurka ganacsi iyo bulaalintiisa; ama ba ay doonta hal-abuurka soo fuuli lahaayeen, suuqa kamay bexeen ee maantay macaashi lahaayeen.

Waxaan dhammaanteen maqalnay maahmaahda oranaysa: “Ninkii seexdaa; sacii dibi dhalay”. Nuxur ahaan, inaad iska seexataa waa mid ka dhigan inaad tahay qof aanan ku qanacsanayn heerka uu joogo ama macangag ah oo ma ahid nin doonaya inuu beddelo qaab-fekerkiisa. Labo arrimood mid uun baa u sabab ah: adigoo u haysta inuu ganacsigaagu ku jiro baraare ama adigoo ka welweli waxa ka dhallan-kara haddii aad wax ka beddesho. Tusaale ahaan, waxaa halis kugu ah inaadan haysan wixii kugu dirqin lahaa in aad isbeddel samayso, kuwa kalena ay la gole-yimaadaan hal-abuur ganacsi, dabeedna fadhiidnimadaada awgeed hayjad cidlo ah lagaaga tago. Iska yuubnaanta bilaa arrinka ahi khasaare weyn ayey ku dhigi, waayo waxaad waayaysaa faa’iidooyinka fikradaha ugub ee casriga ah.

Si-kooban, iyadoo ay jaalkaa horay tallaabooyin wax-ku-ool ah u qaadayaan haddii hal-abuur ganacsi oo macna leh aadan la imaan, waxaad ku dambayn meel daran iyo reera muskood. Si-kastaba, arrintaani waxay saamayn weyn ku yeelatay nolol maalmeedka aadanaha, gaar ahaan caalamka baayacmushtarka.

Guul-darrada ah inaad hindise san iyo hal-abuur wacan la iman weydo fagaarayaasha ganacsiga waa mid kuu horseedi karta in adigoo dhutinaya lagaa tago, xilli facaa ay biibeen, maadaamay go’aansadeen inay ganacsigooda horumariyaan. Tani waa mid ahmiyad gaar ah ka leh dunida casriga ah, sababtoo ah waxaa horumar weyn laga sameeyey dhanka tiknoolijiyada. Aragti ahaantayda, indho-adayg iyo qardajeex weeye ganacsigu haddii uu bilaa hal-abuur noqdo.

Si-kasta ba, shirkado ayaa ku guuldarraystay hal-abuur la’aan in ay horay u dhaqaaqaan, kuwaa oo ugu dambayntii ka soo hoobtay sallaanka halkii u sarreysay.

Si aan u fahamno hal-abuur la’aan darteed siday shafka dhulka ugu dhufsadeen shirkado suuqa hoggaamin jirey.

Shirkadda Blockbuster Entertainment Inc ?loona garan ogyahay Blockbuster?waa shirkad ayaan-darrada burburkeeda ay keentay iyadoo ku guul-darraysatay inay hal-abuur ganacsi la timaado. Blockbuster waxay bixin jirtay Gaymam iyo Aflaam xaafadaha lagu daawado oo kiro ah.
Sagaashameeyada qarnigii tegey shirkaddu waxay caan ka ahayd gudaha Maraylanka iyo guud ahaan caalamkoo idil. Waa mid cad sababta shirkadda Blockbuster la istareexaysay guulo badan oo ay gaartay, Waxay dadka u sahashay inay helaan gaymis iyo aflaam ay aad ugu baahnaayeen.

Laakiin markii adduunku u janjeersaday dhanka tiknoolojiyadda Blockbuster way ku guul-darraystay inay la jaanqaado. Bal’e maamulkeedu waxay sii wadeen adeeggii dukaannada loogu imanayey, taasoo ay sababtay dhowr arrimood oo dad badan ula muuqan kara nacasnimo.

Blockbuster waxay aaminsanayd?sida xogtoodu xustay?in dadku jeclaayeen iyo xitaa ay ku doodeen in ay doorbidayeen inay booqdaan dukaamada.Blockbuster. Dabadeed shirkaddu waxay dareemaysay in macaamiishu ku raaxaysanayaan tegitaanka dukaamadeeda iyo in la furo oo loo tijaabiyo Aflaamta iyo Gaymiska kahor inta ayan kiraysan.

Intaas waxaa dheer oo ay Blockbuster u haysatay in macaamiishu ay ku raacaysanaayeen booqashada dukaamada maadama ay suurtogal tahay in ay kula kulmi karaan qof deris ah ama ba cid ay is-garanayaan.

Aniga aragtidayda, madax-adaygooda u diidey xogtooda in ay ka dhigaan mid danabaysan waa wax lagu qoslo, waxayna ka sii qosol badan tahay marka la eego sababaha go’aankooda ay ku saleeyeen.

Shirkadda Neflix ayaa indhahoodoo shan ah cirka isku-shareertay, oo weliba intay dhaaftay soo jiidatay malaayiin macaamiil ah kuwaas oo rabay inay aflaamta ka daawadaan aaladahooda iyagoo guryahooda jooga.

Haddii si kooban loo dhaho, asal-raacnimadii shirkadda Blockbuster ku kalliftay in ay iska dhaafto inay horumariso istaraatiijiyaddeeda iibka ayaa u horseedday inay suuqa ka baxdo.

Tusaale kale shirkad ku guuldarraysatay inay halabuur ganacsi la timaaddo waa Toys R Us.Waa mid aan ku doodi karo inay ahayd meelaha ugu wanaagsan ee ay caruurnimadaydii ahayd inaan booqdo. Waayo, waxaa laga heli jirey waxyaabo badan ooy carruurtu ku dheelaan. Dhabtii booqashada dukaamada Toys R Us waayo-aragnimo cajiib ah bay u ahayd carruur badan oo caalamka jooga.

Sannadihii u dambeeyey waxaa yaraaday dadka qaangaarka ah ee carruurta ay wax wadaagaan u iibin jirey alaabaha ay ku cayaaraan. Laakiin Internetka ayaa noqday mid helistiisu badatay, dabadeed dadkii baa go’aansaday inay iska dhaafaan tegista dukaamada. Beddelkeedna si ay waqtigooda u dhowrtaan, isla-markaana uga baaqsadaan booqashada dukaamada door-biday inay alaabta ka gataan mareegaha wax lagu iibiyo ee online-ka ah.

Toys R Us, ma aysan jeclaysan fikradda ah inay iska dhaafaan dukaamadooda tooska ah. Asal ahaanna, sida laga soo xigtay Gary Vaynerchuk, Toys R Us ma ayan rumaysnayn in internetku uu macne buuran ku fadhiyo, sidaas awgeed wax-kasta ooy ku gadayso mareegaha internetka waxay u wakiilatay shirkadda Amazon.

Goor xeero iyo fandhaal kala dhaceen ayey maamulkeedu fahmeen in ay go’aan liita qaateen, maxaa yeelay waxay shacbiyad iyo macaamiil aan caadi ahayn u soo jiideen shirkadaha internetka wax ku iibiya sida, Amazon iyo Ebay.

Shirkadahaan ayaa ka fogaada in qofku waqti ku lumiyo inuu bakhaarka booqdo oo alaab ka soo iibsado. Sidoo kale waxay iibiyeen alaabaha carruurtu ku ciyaarto oo badan, qiime ahaanna ka jaban inta ay gadayeen bakhaarrada Toys R Us. Sababahaa ayaa ku keenay in waaxda iibka ee shirkadda Toys R Us ay wajahdo xaalad adag oo ugu dambayn gayeysiisay in ay burburto Sep, 2017-kii.

Gabagabadii, waa inaan xasuusano in labada shirkaddood ee Toys R Us iyo Blockbuster ay ahaayeen shirkado waaweyn oo baraare iyo guul badan hantay, laakiin ku guuldarraystay in ay la yimaadaa hal-abuur ganacsi iyo horumarin casri ah. Dadka ayaa noqday kuwo ku tiirsan habab sababay booqasho yari iyo labo shirkadood een kor ku xusnay oo aan la jaanqaadin isbeddelkii suuqa. Fikirkooda iyo ficilkoodu siduu doono ha ahaadee waxaa la yaab dadka ku noqday iyagoo ku adkaystay sii joogtaynta istaraatijjiyadahoodii laga guuray, isla-markaana iska diiday dhaqangalinta hab casri ah. Sidaas darteed waa wax adag in la fahmo waxa labada shirkadood gayeysiiyey inay sidaas u fekeraan.

Sidaas awgeed, cashar ha u noqoto shirkadaha waaweyn ee hiigsanaya mustaqbal ifaya. Nolosha ayaa mid sahlan kuu noqon haddii aad hal-abuur ganacsi la timaaddid adigoo tixgelinaya dalabaadka dadka kaaga imaan.

Savings Culture (1)

 

Saving a certain percentage of no matter how little you have reduces your risk of going out of funds. Adopting a saving culture is very important and should be an utmost priority. A saving culture should be consistent, it should be a habit. Most times you wait till the need arises before you adopt a “temporary saving culture”- Saving only when the need arises and stop after meeting the target.

Adopting a saving culture shouldn’t be an option, when it’s convenient or not. It should be a necessity, the consistent need to save as much as possible.

It is almost impossible to adopt a saving culture without balancing your spending and savings. No matter how exhaustive your needs are, always try to minimize the cost in the most effective way possible. Be disciplined and cut unnecessary expenses. Remember saving is all about setting priorities and having a plan.

7 Reasons why You Should Adopt A Saving Culture

Why should I save?

As a person, savings are a safety net that you should have as a part of planning. More so as a Nigerian, adopting a saving culture is key and should be inculcated in our life to save us from a lot of unforeseen contingencies that our country brings our way. You may ask “why should I save? “. The question is “why shouldn’t you?”. Here are some very important reasons why you should save;

Get out of debt: Savings are a great way to way to get out of whatever debt you may have incurred in the past. It could be that you took a loan to go to school or to finance something. Savings will help you offset such debt that you have incurred.

Become financially independent: Being financially independent does not come from just working and earning a salary. To be financially independent, savings play a great role. Money kept in savings account overtime can give you an extra push when you most need it. Remember financial independence is the goal

Buy a home: Planning for the future without having savings us an error. Imagine having to pay rent on property for the rest offices your life when savings can help put you in a great position to own your own property and be rent free. When you are rent free, the money that you could have used to pay rent is ready to serve another purpose.

To go on a vacation: All work and no play makes you a very dull person. Who doesn’t love to travel, to relax and just generally take time off work to have fun. Most people don’t realize the importance of a vacation and often complain about the lack of funds whenever the issue is talked about. However, there is a simple solution to that problem, savings. Savings help a lot when its time to take that much needed break.

To take care of big purchases: From buying a car to furnishing your house or getting those gadgets that you’ve had your eye on for a while, these big purchases have a way of sneaking into the life of the financially unprepared. Savings saves you from being financially unprepared. Paying in installments only makes you pay more money to be paid instead of the actual price of whatever you bought.

For life’s big events: Life is in stages and certain stages begin with big events and these events can get a bit expensive. Weddings and childbirth readily come to mind when thinking about big events; burials of the elderly and aged also come to mind. So it’s very important to save them so you don’t get caught in a web of debt trying to have a big event.

For the next generation: Saving for the next generation is a great way to reduce the stress of life as helping them getting settled early in life will greatly help you in too. Having an education fund set up for your children the minute you get to know that you are expecting puts you in a position to breeze through the period without worries.

Strategic thinking

Strategic thinking focuses on finding and developing unique opportunities to create value for your organization. The term has been misused and abused in the past and too often strategic planning sessions fail to deliver any value. This can often lead to the disengagement of employees, who are the very people that boards and management need actively involved in the process.   

A way of thinking

Strategic thinking is a way of approaching the fundamental drivers of a business and challenging conventional thinking. This is best done in discussions with stakeholders, with employees being a key part of this. It also involves having an awareness of what has not yet taken shape, of what might be, and of what might be on the horizon. Instead of thinking ‘this is the way it’s always been done’ or ‘it’s not broken so why change?’, the mindset should be - how could we improve our processes or outcomes?

The board’s role in strategic thinking is to bring an outside perspective, accumulated wisdom and to test the consistency of management’s thinking. The role of senior management is to then, initiate the process of strategic thinking and setting the agenda by posing the questions and issues. Boards can lead the way by encouraging and modeling forward thinking, for example; supporting management to go beyond reporting on KPIs and to put forward ideas and suggestions for discussion.  

Strategic thinking models 

There are many models to choose from to plan your strategic thinking process. The key is to support the process, ensure that outcomes and next steps are agreed and then actioned. Otherwise, you risk remaining in a strategic thinking vortex with good ideas and no execution.  

Wootton and Horne (2001), approach strategic thinking as three main activities, shown in the figure below. The gathering information and ideas generation stages are supported by the action planning stage. 

 

Blue Ocean Strategy is another approach. This is the simultaneous pursuit of differentiation and low costs, with the aim being not to out-perform the competition in the existing industry, but to create new market space or a ‘blue ocean’, thereby making the competition irrelevant. Blue Ocean Strategy provides a set of tools to create new market space and offers a way to swim out of the red ocean filled with sharks. The strategy canvas is the central diagnostic for building a compelling Blue Ocean Strategy, which should cover both strategy formulation and execution.

Scenario planning can play a meaningful role in strategic thinking due to its focus on the future. Scenario planning explores possible futures based on forecasting changes to the competitive environment and considers what the organization will look like in 10 or 20 years. It provides a disciplined means to imagining potential futures and how these may impact organizational sustainability. Scenario planning also plays a useful role in simplifying data into a small range of possible states. Each scenario explains how different elements may interact given certain conditions and also supports creative thinking in the context of time.

The choice of strategic thinking tool or approach is up to the individual board, considering organizational size and stage. What is important is that the board recognizes the need to think strategically, since it is key to the board making a meaningful contribution to the organization’s strategy. As strategic thinking is a competency needed by all directors, it is important to evaluate whether all board members have this skill. If not, the board must receive some training in this area.

TAARIIKHDA BANGIYADA (2)

Asalka raad-raaca nidaamka maaliyadeed ama bangiyadu waxaa ay lasocotay fikrada ganacsiga iyo marxaladihiisi kala duwanaa ee uu soomaray, waxaase ilaa hada taariikhda lahayaayi cadeysey in adeegyada bangiyadu ay kasoo askumantay ilbaxnimadii hore ee baabil, romaniyiinta iyo giriigga, qiyaastii sanadkii 2000 BC, xilligaas oo ay ganacsatadu bilaabeen in ay beeraleyda amaahiyaan hadhuudh iyo in ay badeecado ula kala gooshaan magaalooyinka aagagga Ashuur iyo Baabil. halkaas oo boqorrada iyo dabaqadaha sare ee bulshadaasi ay lahaayeen hanti aad u badan oo dahab ah, taasna ay keentay in lagu fikiro helidda meel ammaan ah oo lagaga badbaadiyo tuugada, ilaa ay go'aansadeen in goobaha cibaadadu tahay meesha ugu habbon ee hantida lagu kaydin karo, maadaama ay tahay meel dhismayaal adag leh, dadkuna ujoogaan cibaado, tuuguna uusan kusoo dhiiraneynin.

Sida ay qaar kamid ah taariikhyahanada dhinaca dhaqaaluhu cadeeyeen in qarnigii 18 aad BC ee Baabuloon, in ganacsatada oo dahab iyo hantiilayaasha ukaydsanaayeen dahab iyo hanti aad ubadan, xilli dowladda iyo suuqa ganacsigu ay baahi weyn u qabeen, halkaas ayaa waxaa kadhalatay aragtida odhaneysa inay ka faa’iideystaan ​​dahabkan si ay u xoojiyaan dhaqalaha iyo dhaqdhaqaaqa suuqa, waxaa sidoo kale xilligaasi laqoray xeer jaangoynaya nidaamka ganacsiga guud ahaan gaar ahaanna nidaamka maaliyadeed kaasoo loo yaqaanno xeerka xaamuraabi.[1] Kan oo soo bilowday qiyaastii 1772 BC, ayaa ah mid ah qoraallada ugu da'da weyn oo ka hadlaya arrimaha iibka oo dejinaya shuruudaha wax kala iibsiga. Xeerkani waxa kale oo ku jiray jaan-goynta habab maareynta deymaha, dulsaarka, iyo dammaanadaha.

Xiligii boqortooyooyinkii Giriiggii iyo Roomaanka, ayaa horumar badan oo laga sameyay dhinaca adegyada maaliyadeed, waxaana ugu muhiimsanaa; aqbalaada dhigaalka/kaydinta hantida macaamiisha, dayminta dadka dayn doonka ah, qoraalka xeerka maareynta daymaha, dhigaalka deebaajiga, lacagna way beddeleen oo lacag kale ayay ku beddeleen, oo waxay tijaabiyeen qadaadiic miisaan leh.

Ka dib markii ay dhamaatay ilbaxnimadii Giriiga, Roomaaniyiintu waxay isku hawleen horumarinta nidaamka/ Adeegyada bangiyada Giriigga qarnigii labaad ee AD, taariikhda maaliyadeed iyo bangiyada waxay saameeyeen kor u kac muhiim ah ee wakhtigoodii, talaabadii ugu horeysay ee la taaban karo waxay ahayd inay sameeyeen bangiyada ka madax bannaan macbadyada, oo waxay u dhiseen dhismayaal gaar ah.

Waxa ay bangiyadu soo shaac baxeen kadib horumarkii kuyimid arimaha sariflayaasha oo kubilaabay in ay aqbalaan dhiibaasha (dahabka iwm) iyaga oo qofka kaqaada kiro maadaama ay u haynayaan, waxayna qofka siin jireen wax cadeynaya amaanada ay u hayaan, muddo kadib waxaa sariflayaasha gacantooda soo gashay hanti badan oo dhiibaal ah, halkaas ayey kadhalatay fikradda ah in looga faa’idayn karo in dayn lagu siiyo kuwa ubaahan lana dulsaaro faa’iido (ribo) qayb ahaan ay qaataan sariflayaashu qaybna lagu celiyo milkiilayaashi si loogu dhiiri galiyo in ay wax badan soo dhigtaan.

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[1] Xeerkan ayaa loogu magacdaray boqor xaamuraabi oo xilligaas katalinayay baabil. 

Fikirka guud ee Bangiyada (The consept of Banks)

Bilowgii taariikhda qaab-noolaleedka aadamahu waxa uu soo martay habab iyo marxalado kala duwan oo ay ugu horeeyey kali/koox unoolaansho; taasoo noolashoodu kusaleysneyd  ugaadhsiga iyo midho gurashada. Marxaladi labaad ayaa ay bulshooyinku bilaabeen in ay goobo kusoo uruuraan iyaga oo qaab nolaleedkoodi isbadalay oo bilaabay nolal wadareedyo iyo beero qodasho, ilbaxnimadaas ayaa keentay in waxa uu badhkood haystaan oo mararka qaar kabadan baahidooda ay kuwo kale ubaahan yahiin, waana meesha uu kabilowday kala doorsiga/badalashada alaabaha oo ah waxa aynu manta unaqaano ganacsiga. Taasoo kadhigan in ganacsigu uu labilowday ilbaxnimadii iyo baraarugii aadamaha ee xiliyadii hore, taas ayaana markii danbe uu kadhashay fikirka kaydsiga iyo dayminta oo ah qaar kamid ah adeegyada ugu muhiimsan ee ay qabtaan bangiyada manta.

Asalka adeegyada bangiyada waxaa ay lasoo bilowdeen ilbaxnimadii hore ee soomaray aadanaha. waxaa si aad ah ubaahday dhaqanka ah in lagu keydiyo biraha iyo qadaadiicda qaaliga ah meel ammaan ah iyo in lacag laga amaahiyo dadweynaha oo dulsaar ah.

1.1.   Luuqad ahaan kalimada “BANK” waa kalmad ingiriis ah macnaheeduna yahay meel dhul ah oo godan ama jooggedu hooseeyo, laakiin isticmaal ahaan macnuhu sidaas waa uu kaduwan yahay oo waxaa loo isticmaalaa in uu yahay xarun ama shirkad maaliyadeed; waxaana Eray ahaan makii ugu horaysay laga isticmaalay magaalada Venice ee dalka Talyaaniga, ereygan waxaa laga soo min guuriyay erayga “Banco” oo ah eray talyaani ah macnihiisuna yahay miis, kaasoo ay ganacsatadu u isticmaali jireen goobaha ay bulshadu ku badan tahay si ay wax u kala iibsadaan ama wax u kala badashaan.

Isticmaal ahaan kalimadda bangi waxaa loo yaqaanaa in ay tahay mu’asasad maaliyadeed oo kashaqeysa aqbalaadda, dhigaalka, amaahinta lacagaha iyo qabashada adeegyo kale oo maaliyadeed (oxford dictionary)

Dhinaca isticmaalka erayga “BANK” siyaabo kala duwan ayey uqeexeen culimada ka faalooda arimaha dhaqaalaha iyaga oo dhinacyo kala duwan ka eegaya; waxaana qeexitaanadoodi kamid ah:

Bangiyadu waa shirkado/hay’ado maaliyadeed oo aqbala dhiibaasha lacageed ee si guud iyo sida gaarka ahba loo leeyahay kadibna hantidaas u isticmaala dayminta iyo maalgalinta si ay faaiido uga dhalayaan.

Bangiyadu waa hay'ado maaliyadeed oo dhexdhexaad ah oo fududeeya habka dhaqdhaqaaqa iyo dalabaadka lacagta, markaa qofkii haysta hanti dheeraad ah oo ka badan baahidiisa wuxuu dhigtaa bangiga, ka dibna bangigu wuxuu amaahiyaa qofka u baahan si uu usoo celiyo waxaa laga dhigaa rahan ama damaanad la’eg ama kabadan amaahda uu qaadanayo.

Taas ayaa kadhigan in bangiyadu yihiin shirkado loo yagleelay in ay aqbalaan dhiibaasha iyaga oo qofka siinaya fursad uu kaga qaato markasta iyo meel kasta oo uu ugu baahdo; iyaga oo lacagtaasi kaga shaqeeya maalgalino kala duwan oo kuqotoma xaqiijinta qorshaha koboca dhaqaalaha dalka iyo siyaasadaha guud ee howshaas kuwajahan. Sidoo kale waxay bangiyadu kor uqaadaan kaydinta iyo maal-galinta mashaariicda iyaga oo tixraacaya jaan-goynta bangiga dhexe qaranka, iyaga oo bixiya adeegyo maaliyadeed oo isticmaalaya qaabab, waqtiyo iyo heerar kala duwan.

Guud ahaan, bangiyada macnaheedu waa hay'ad aqbasho dhigaalka xisaabaadka kala duwan oo bixiya amaah noocyo kala duwan. Bangi waa machad ka shaqeeya lacagta iyo deynta. Waxay aqbashaa dhigaalka dadweynaha waxayna ka dhigtaa sanduuqa inay helaan dadka lacagta u baahan waxayna ka caawisaa lacagaha meel loo diro meel kale. Dhab ahaantii, bangiga casriga ahi wuxuu qabtaa shaqooyin kala duwan oo ay adagtahay in la bixiyo qeexitaan sax ah oo guud.

Bandhigga Buugaagta -1-

Waxbarashadu waa geeddi-socod lama huraan u ah nolosha aadamaha taasoo fududeysa horumarkooda dhaqan-dhaqaale iyo bulsho, si loo helo aqoontaas qofku waxa uu umaraa habab iyo wadiiqooyin kala duwan oo ay ugu muhiimsan tahay Wax-akhrintu; oo aan ognahay ahamiyadda ay diinteenu siisay iyo in aayadii ugu horeeysay ee Allah (SW) uu kusoo dajiyay Nabigeenna (NNKH) ay "IQRA" ahayd; Taasoo ah amar rabaani ah in uu qofku wax akhriyo si uu ukala garto waxa  uwanaagsan aduunkiisa iyo aakhiradiisaba; taas ayaana keenta ay noolasha casriga ah aysan marnaba kamaarmin horumarinta akhriska iyo fagaarayaal arimahan lagu falanqeeyo.

Bandhigga buugaagtu waa madal aqooneed waqtile ah ay isugu yimaadaan aqoonyahanka, culimada, hal-abuurka, qalinleyda, hogaaminta siyaasadda iyo kuwa dhaqanka, ganacsatada, iyo ardeyda oo ay isku waydaarsadaan fikiradaha, macluumaadka, aqoonta, buugaagta, dhaqanka iyo sooyaalka bulshada; islamarkaana ay kaga doodaan mowduucyada ahamiyadda uleh horumarka iyo xasiloonida bulshadaas.

Hirgalinta fagaarayaasha noocan oo kale ah waxay abuurtaa jawi dhiirri-galiya dhalinyarada in wax qoraan waxna akhriyaan, maadaama lagusoo bandhigayo buugaagta taariikhda, juquraafiga, dhaqanka, dhaqaalaha, siyaasadda, fanka, sheekooyinka, iyo kuwo kale, waxa kale oo ay kobcisaa wacyiga guud ee bulshada, maadaama halkaas laga helayo cilmi-baadhisyo, xogo cusub, fikrado iyo hab fikir oo caawiya xallinta mashaakilaadka. Waxay sidoo kale Bandhigyada buugaagta waxay bixiyaan wax ka badan helitaanka buugaagta ardayda. Waxay u bandhigaan dhaqamo kala duwan, waxay ku xidhaan qoraayaasha ay jecel yihiin, kobciyaan danahooda akhriska iyo dhiirigelinta iyaga. Sidaa darteed, ardaydu waa inay ku dadaalaan ka qaybgalka bandhigyada buugaagta.

Taariikhda waxaa ku xusan in markii ugu horaysay bandhig buugaageed lagu qabtay dalka Maraykanka 1960,  ka gadaal markii la darsay in ay jirto baahi la xidhiidha cilmiga iyo dhaqan is waydaarsiga, sidoo kale na waxay aad ugu bukeen suuq ama madal ay ku kulmaan qoraaga iyo akhristuhu, fikirkan bandhigga na waxa gadaal ka riixayay aqoonyahanno u dhashay dalkaas oo rumaysnaa in ay rabaan dhaqamada dadyow kale iyagana dhaqankooda la barto si is dhex gal u imaan karo; intaas kadib ayaa aqoon yahanka iyo xarumaha wax-barashada ee wadamada kaladuwan bilaabeen in ay qabtaan fagaarayaasha kala duwan bandhigga buugaagta.

GANACSIGA (1)

Ganacsi waxaa loo yaqaanaa howlaha isweydaarsiga alaabta, adeegyada, ama labadaba, oo dhexmara laba dhinac ama in ka badan; iyada oo laga jawaabayo baahiyaha shuruudaha iyo rabitaanka dhinacyada ee kusaabsan tayada, tirade, qiimaha, goobta, nooca lacagta, xeerka iyo qawaaniinta dalalka iwm. taasoo ujeedadeedu tahay faa’ido si loogaadho isbadal dhaqaale.

Taariikh ahaan bilowgii aduunyada aadamuhu waxaa uu soo maray marxalado noolaleed oo kala duwanaa oo ay ugu horeysey kali/ koox unoolaansho iyaga oo quudkooda kasoo saari jiray ugaadhsiga iyo midho gurashada, muddo kadib waxaa bulshooyinku bilaabeen in ay goobo kusoo uruuraan iyaga oo qaab nolaleedkoodi isbadalay oo bilaabay nolal wadareedyo iyo beero qodasho, ilbaxnimadaas ayaa keentay in waxa uu badhkood haysto oo mararka qaar kabadan baahidiisa uu kan kalana ubaahan yahay, waana meesha uu kabilowday kala doorsiga/badalashada midhaha iyo alaabaha o/o ah waxa aynu manta unaqaano ganacsiga.

Sidaa daraadeed ayaa la odhan karaa in ganacsigu yahay mid labilowday ilbaxnimadii iyo baraarugii aadamaha ee xiliyadii hore, ilaa iyo maantana ganacsigu waxaa uu lasocdaa hadba marxaladda nolaleed ee bulshooyinku marayaan ilaa aan manta gaadhnay waxa loo yaqaano ganacsiga il-ma’aragtayga ah (E-commerce),

Carabtu islaamka kahor waxa ay kashaqaysan jireen ganacsiga, waxaana uu kamid ahaa shaqooyinka ay aadka ugu jecelyihiin, waxaa xirfadda ganacsiga kashaqyn jiray dabaqada sare ee bulshada sida amiirada, hogaaminta dhaqanka, abwaanada, cuqaasha iwm, waxa ayna lahaayeen waqtiyo ay ubaxaan safarada ganacsiga oo lagusheegay qur’aanka (li’iilaafi qureysh iilaafihim rixlata shitaa’I wa seyf) iyo suuqyo waawyn oo ay wax kukala iibsan jireen sida suuqa cukaad iwm. Markii uu islaamku yimid waxaa uu qiray ganacsiga; waxaana soo dagay aayado iyo axaadiis dib loogu habeyayo qaabka ganacsiga oo lagaga ilaalinayo wixii xaaraameynkara sida ribada, qishka, khayaanada iwm.

Dadaalada ganacsi ee uu sameeyo shaqsigu waxaa ay hal-beeg utahiin koboca dhaqaale iyo ilbaxnimo ee uu qofkaasi hiigsanayo, iyo saameynta wanaagsan ee qofkaasi bulshada kuyeelanayo, waayo waxaa la ogaaday in ganacsigu uusan ahayn oo kaliya usluub lagu hormariyo dhaqalaaha bulshada, laakiin sidoo kale uu kaqayb qaato isdhexgalka iyo gudbinta dhaqamada, ilbaxnimada iyo xiriirka bulshooyinka; gaar ahaan marka uu kagudbo xuduudaha wadamada iyo qaaradaha, waxaana taas tusaale u ah in Ganacsatadi muslimiinta ahayd ee gaadhay wadamada koonfur-bari iyo bariga fog ee qaaradda asia qarnigii 7aad oo sitay Dhaqan, akhlaaq, is-dhexgal iyo wada-noolaanshaho kusaleysan islaamka, ay sabab u noqdeen fidinta diinta Islaamka. Taas ayaana sabab unoqotay in wadamada manta ugu muslimiinta badan caalamka ay qaataan islaamka iyaga oo aan dagaal iyo wax kale midna arag.

Ganacsigu waxaa uu leeyahay ahamiyad weyn oo isugu jirta mid aduun iyo mid aakhiro labadaba, waxaadna dareemaysaa sida Allah (SWT) ugu xusay qur’aanka kariimka ah 11 aayadood kalimadda (tijaara), waa muhiimad gaar ah oo lasiiyay. sidoo kale sunnada Nabiga (NNKH) ayaa  maqaam sare siisay ganacsiga, maadaama uu ka mid yahay wadooyinka kasbashada wanaagsan ee Islaamku ku booriyay kuna amray, waxaa rasuulka (SCW) la weydiiyey: Shaqsigee ugu wanaagsan? Wuxuu yiri: “Ninka shaqadiisu gacantiisay ku jirtaa, iib kastana waa xaq”.

Maanta Ganacsigu waxaa uu raad la taaban karo kuleeyahay qaybaha kaladuwan ee noolasha, dhaqanka, dhaqaalaha, siyaasadda, dhaqanka, caafimaadka maskaxda, firfircoonida, hal-abuurka shaqsiga iyo bulshadaba. Waana tan keentay in dadka ganacsada ay kanoolal iyo daganaansho fiican yihiin dadka shaqaalaha ah. Sidaa daraadeed haddii aad raadinayso qaab-nololeed xor ah, madaxbanaan oo aad u xiisaynayso inaad wax cusub samayso, ama aad rabto inaad si dheeraad ah u maamusho shaqadaada oo aad maasho kartidaada, waxaa jira faa'iidooyin badan oo laga helo ganacsiga oo shaqsi ahaan iyo bulsho ahaanba kugu dhiiri-galinaysa in aad ganacsi adiga kuu gaar ah.