Yadda committee ke aiki, da yadda ake gudanar da shi ba tare da littafin rubutu ba

Jagora · An sabunta 28 ga Satumba 2026 · Daga ƙungiyar Savings Circle a FutureTech

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Committee ƙungiyar adashe ce ta karɓa-karɓa da ta shahara a Pakistan da Indiya, inda ake kuma kiranta BC (bisi). Wasu mutane suna amincewa su biya adadi iri ɗaya kowane wata cikin jimilla ɗaya, kuma kowane wata memba ɗaya yana karɓar dukan jimillar. Tana tafiya har kowane memba ya samu juyinsa, don haka committee mai membobi goma yana ɗaukar wata goma.

Babu wanda ke samun riba kuma babu wanda ke biyan riba. Membobin da suka karɓi juyinsu da wuri suna samun abin da ya zama kamar bashi ba tare da riba ba; membobin da suka karɓa a ƙarshe suna samun hanyar tanadi mai tsari. Shi ya sa ake amfani da committee don aure, kuɗin makaranta, babur, kuɗin ajiyar haya ko kaya na shago.

Ta yaya committee ke aiki?

  1. Mai shirya adashe, wanda sau da yawa shi ne mafi amintacce a iyali, ofis ko titi, yana tara membobi kuma a amince da adadin kuɗin da ranar biya.
  2. Ana ƙayyade jerin juyi tun farko, yawanci ta hanyar jefa ƙuri’ar sunaye a kan takardu.
  3. Kowane wata kowane memba yana biyan mai shirya adashe, da tsabar kuɗi, ta tura kuɗi a banki ko ta walat na waya kamar JazzCash, Easypaisa ko UPI.
  4. Mai shirya adashe yana miƙa dukan jimillar ga memban wannan wata, kuma zagayen yana ci gaba har an biya kowa sau ɗaya.

Yawancin committee suna bar wa memba da ke cikin gaggawa, kamar aure ko rashin lafiya, ya musanya juyi da wanda ya yarda. Wasu ƙungiyoyi suna raba kaso ɗaya tsakanin mutum biyu da kowannensu ke biyan rabi.

Ta yaya ake ƙayyade jerin juyi?

Yawancin committee suna jefa ƙuri’ar sunaye a taron farko. Wasu kuma suna ba da juyi na farko ga membobin da suka fi buƙatar kuɗi da wuri, ko ga mai shirya adashe a matsayin godiya kan aikinsa. Ko wace hanya ce, ya kamata a amince da jerin a gaban kowa kuma a rubuta shi, domin jayayya kan wanda “ya kamata” ya fara karɓa ita ce hanya mafi yawa da committee ke rushewa.

Committee ya bambanta da chit fund mai rajista. A Indiya, chit fund da ke ba da juyi ta gwanjo kasuwanci ne da ake sa ido a kansu ƙarƙashin Dokar Chit Funds, 1982. Committee tsakanin iyali, abokai ko abokan aiki tsari ne na yau da kullum tsakanin mutanen da suka san juna.

Me ke lalacewa a committee?

Ta yaya ake gudanar da committee da Savings Circle?

  1. Ƙirƙiri ƙungiyar. Zaɓi “committee” a matsayin irin sunanta, sannan ku saita kuɗin da abin da kowa zai biya a kowane zagaye. App ɗin yana amfani da kalmarku a kowane allo da tunatarwa.
  2. Ƙara membobi daga lambobin wayarku. Ba sa saka komai.
  3. Saita jerin. Ku jefa ƙuri’a ta bazata a gaban kowa, ko ku shigar da jerin da kuka amince da shi. Ƙuri’a ta bazata tana adana seed nata, don kowa ya iya dubawa daga baya cewa ba a canza ta ba. Membobi za su iya neman musayar juyi, kuma ana rubuta musayar ma.
  4. Rubuta biya yayin da suke shigowa, da tsabar kuɗi, banki ko walat na waya, da hoton allo a matsayin shaida idan kuna so. Yana aiki ba tare da intanet ba kuma yana daidaitawa daga baya.
  5. Tunatar da waɗanda suka makara. Taɓawa ɗaya tana buɗe WhatsApp, SMS ko Telegram da saƙo mai ladabi a harshensu.
  6. Rubuta kowane karɓar kuɗi. Kowace shigarwa tana da kwanan wata. Ana ƙara gyara a matsayin sabuwar shigarwa, kuma ta asali tana nan a tarihi.

Savings Circle ba ya taɓa riƙe kuɗi ko tura su. Membobi suna biyan juna yadda suka riga suka saba; app ɗin shi ne rikodin da kowa ke gani na wanda ya biya, wanda ke tafe da abin da ake bi.

Wasu sunaye na wannan tunani

A Pakistan da Indiya ana kiransa committee ko BC; a wasu sassan Indiya kitty (kamar a kitty party). A faɗin duniya wannan tsari shi ne tanda a Mexico, susu a Ghana, chama a Kenya, arisan a Indonesia da paluwagan a Philippines, kuma a ƙasar Hausa adashe. Masana tattalin arziki suna kiran duk waɗannan ƙungiyoyin tanadi da bashi na karɓa-karɓa, ko ROSCA. Savings Circle yana aiki ga kowannensu.

How does a committee work money?

Committee money, or a committee saving scheme, works in three steps: everyone pays the same amount each month, one member takes the whole pot, and the turn passes on until everyone has had one. Nobody earns interest on it, and nothing is held back. People in Pakistan often call the same arrangement a kameti, and the Savings Circle app keeps the record of who paid and whose turn is next.

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