Cikeykkyan Bayani Akan Bashin Da A ke Badawa Mararruwa Na Nirsal
Karin bayani game da bashin da ake bayarwa marar ruwa (Non interested loan) na Nirsal micro finance bank (NMFB).
Bashin da za a bayar mararruwa through Nirsal akwai benefits gasu wadanda zasu baka wato suna da riba.
Andora tsarin bashin akan sharadi na murabaha agreement wato yarjejeniyar kasuwanci na Keke da Keke wato komai a bayyane.
Misali kanemi bashin dubu dari dubu dari biyar (500,000) zakasayi generator na 200k da fridge na 150k da Kuma wani Abu Shima na dubu 150k To su Nirsal zasu fadama sunsiy wannan kayan akan wancan firashin na 500k agun vendor (kokuma babban shago na siyayya) ammafa zaka siyi kayanne agun Nirsal me Wanda zaka Basu riba 25% zai Zama 125,000 ajimulla kaga kenan zakabiya naira 625,000 Total idan akabaka naira 500k I Dan har Amma approved.
Idan Kaya kakeso shi zasubaka akan firashin da sukeso su sayar da wannan Kaya.Zasu saya maka kayan 500k zaka bada ribar 125k total zai kama:600k.
Idan kuma kudi kake so zasu iya baka ammafa har yanzu ribarsu tananan saboda yarjejeniyar da kayi accepting ta murabaha agreement,kaga kenan Kamar misali ka sayar musu da kayane akan farashin da suka sayo a wurin vendor,Sai su baka kudin.
Most important part anan dai shine dole Sai ka sayi kayan akan farashin Nirsal da ribar 25% sannan in sunga zasu iya baka kudin amatsayin sun saya a wurinka on the same price da suka sayo Sai su baka.
NOTE:
An kirkiri wannan kalar bashin ne Domin neman dacewa da shari’ar addinin musulunci,na karbar bashi batare da ruwaba.in Kuma mun mashi duba na fahimta zamuga su Nirsal da suka baka suna da riba ne tunda sayarmaka sukayi Kuma kasan anawa suka sayo saboda haka Inka tashi mayarwa zaka mayar da kudinne tare da ribarsu a jimulche.
Zamu iya fuskantar wannan bayani da Nayi idan muka koma kan agreement offer da aka turawa wadanda suka samu.
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