Sida committee u shaqeeyo, iyo sida loo maamulo buug-qoraal la'aan
Committee waa koox keyd wareeg ah oo caan ka ah Pakistan iyo Hindiya, halkaas oo sidoo kale loogu yeero BC (bisi). Koox dad ah ayaa isku raaca inay bil kasta isku lacag ku shubaan hal wadar, bil kastana hal xubin ayaa qaata wadarta oo dhan. Wuxuu socdaa ilaa xubin kastaa noobaddiisa helo, sidaas darteed committee toban xubnood ah wuxuu socdaa toban bilood.
Qofna ma helo ribo (dulsaar), qofna ma bixiyo. Xubnaha noobaddooda goor hore qaata waxay helaan wax u dhigma amaah dulsaar la'aan ah; kuwa goor dambe qaatana waxay helaan hab edeb leh oo ay wax ku keydsadaan. Taasi waa sababta committee loogu isticmaalo arooska, khidmadda dugsiga, mooto, dammaanadda kirada ama alaabta dukaanka.
Sidee buu committee u shaqeeyaa?
- Abaabule, badanaa qofka ugu kalsoonida badan qoyska, xafiiska ama xaafadda, ayaa xubnaha isu keena oo la isku raacaa qaddarka iyo maalinta la bixinayo.
- Kala horreynta noobadaha bilowga ayaa la go'aamiyaa, badanaa iyadoo magacyada lagu qoro xaashiyo yaryar oo qori-tuur la sameeyo.
- Bil kasta xubin kastaa wuxuu bixiyaa abaabulaha, lacag caddaan ah, wareejin bangi ama boorso moobayl sida JazzCash, Easypaisa ama UPI.
- Abaabuluhu wadarta oo dhan wuxuu u dhiibaa xubinta bishaas, wareegguna wuu sii socdaa ilaa qof walba hal mar la siiyo.
Committee badan waxay u oggolaadaan xubin xaalad degdeg ah ku jirta, sida aroos ama jirro, inuu noobadda la beddelo qof oggol. Kooxaha qaarkood hal saami ayay u qaybiyaan laba qof oo midkiiba bixiyo nus.
Sidee loo go'aamiyaa kala horreynta noobadaha?
Committee inta badan kulanka koowaad ayay magacyada qori-tuur ku sameeyaan. Kuwo kale noobadaha hore waxay siiyaan xubnaha lacagta u baahan marka hore, ama abaabulaha iyagoo uga mahadcelinaya shaqadiisa. Hab kasta ha ahaadee, kala horreyntu waa inay qof walba hortiisa ku heshiiyaan oo la qoraa, maxaa yeelay doodda ah “yaa ahaa inuu hore u qaato” ayaa ah sababta ugu badan ee committee ku burburo.
Committee wuu ka duwan yahay chit fund diiwaangashan. Hindiya, chit fund-yada noobadaha xaraash ku wada waa ganacsiyo la nidaamiyay oo hoos yimaadda Chit Funds Act, 1982. Committee u dhexeeya qoys, saaxiibo ama asxaab shaqo waa heshiis aan rasmi ahayn oo u dhexeeya dad is yaqaan.
Maxaa khaldama committee?
- Xubin ayaa joojiya bixinta kadib markuu qaato wadarta. Tani waa khatarta ugu weyn. Waa sababta abaabulayaashu u doortaan xubno ay si fiican u yaqaanaan iyo sababta diiwaanka cidda horay loo siiyay muhiim u yahay.
- Lacag-bixin daahday. Xubinta ay tahay inay wadarta hesho waa inay sugto, abaabuluhuna badanaa jeebkiisa ayuu ka buuxiyaa farqiga.
- Diiwaanno lumay ama lagu muransan yahay. Buug-qoraal wuu lumi karaa ama wax baa laga beddeli karaa. Marka laba xubnood lacag-bixin si kala duwan u xusuustaan, wax xalliya ma jiraan.
Sidee committee loogu maamulaa Savings Circle?
- Samee kooxda. Dooro “committee” nooca magaceeda, kadibna deji lacagta iyo waxa qof kastaa bixinayo wareeg kasta. App-ku wuxuu isticmaalaa eraygaaga shaashad kasta iyo xusuusin kasta.
- Ku dar xubnaha xiriiradaada. Iyagu waxba ma soo dejiyaan.
- Deji kala horreynta. Qof walba hortiisa ku samee qori-tuur aan kala sooc lahayn, ama geli kala horreynta aad isku raacdeen. Qori-tuurka aan kala sooc lahayn abuurkiisa ayuu kaydiyaa, sidaas darteed qof kasta mar dambe wuu hubin karaa inaan la beddelin. Xubnuhu waxay codsan karaan inay noobadaha isweydaarsadaan, isweydaarsiguna sidoo kale waa la diiwaangeliyaa.
- Diiwaangeli lacag-bixinnada markay yimaadaan, lacag caddaan ah, bangi ama boorso moobayl, oo leh sawir-shaashadeed caddeyn ahaan haddii aad rabto. Internet la'aan wuu shaqeeyaa, mar dambe ayuuna isku-waafajiyaa.
- Xusuusi kuwa daahay. Hal taabasho ayaa furaysa WhatsApp, SMS ama Telegram oo leh fariin edeb leh oo luqaddooda ah.
- Diiwaangeli qaadasho kasta. Gelitaan kastaa taariikh ayuu leeyahay. Saxitaan waxaa lagu daraa gelitaan cusub, kan asalka ahna taariikhda ayuu ku sii jiraa.
Savings Circle marna ma haysto, mana wareejiyo lacag. Xubnuhu midba midka kale wuxuu u bixiyaa sidii ay horay u samayn jireen; app-ku waa diiwaanka la wadaago ee cidda bixisay, cidda xigta iyo waxa lagu leeyahay.
Magacyo kale oo isla fikraddan ah
Pakistan iyo Hindiya waxaa loogu yeeraa committee ama BC; qaybo Hindiya ka mid ah kitty (sida kitty party). Adduunka oo dhan isla nidaamkan waa tanda Meksiko, susu Gaana, chama Kenya, arisan Indooniisiya iyo paluwagan Filibiin; Soomaalida waa hagbad ama ayuuto. Dhaqaaleyahannadu dhammaantood waxay ugu yeeraan ururrada keydka iyo deymaha wareegga ah, ama ROSCA. Savings Circle wuxuu u shaqeeyaa mid kasta oo iyaga ka mid ah.
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.
Hagayaal
- South Asia: committee, kameti, chit fund, bhishi, kitty party and samity
- Africa: susu, chama, ajo, adashe, equb, hagbad, stokvel, tontine, mukando and chilimba
- The Americas and the Caribbean: sou-sou, tanda, junta, lending circle and pardner
- Aasiya iyo Baasifigga: arisan, paluwagan iyo hụi
- Carabta: jam’iya