Hanna Pani

"Me Yasa 'Financial Literacy' Ke Da Muhimmanci Ga Matasa a Afirka?"

A yau, sama da kashi 60% na al’ummar Afirka matasa ne – amma da yawa daga cikinsu ba su da isasshen ilimi akan yadda ake sarrafa kudi, saka jari, ko gina makoma mai ɗorewa.

Abubuwan Da Ya Kamata Matasa Su Koya:

1. Kasancewa Mai Kiyaye Kuɗinka: Sanin inda kuɗinka ke tafiya na daga cikin matakan farko na wadata.

2. Saka Jari Tun Da Wuri: Ko da kuwa ka na da ƙaramin albashi, ka na iya fara saka jari a kasuwannin hannun jari, crypto, ko kasuwancin kai tsaye.

3. Guje Wa Bashi Marar Amfani: Yin bashin da bai haifar maka da wata riba ba zai iya janyo maka matsala nan gaba.

4. Koyon Sabbin Hanyoyin Samun Kuɗi: Ka na iya amfani da ilimi da fasaha wajen haifar da ƙarin hanyoyin samun kuɗi (multiple streams of income).

Takeaway:
Yin ƙoƙarin fahimtar duniya ta kuɗi da kuma ɗaukar mataki tun da wuri yana iya canza makomar rayuwar matashi. A ZubaX, muna taimakawa matasa su gina tushen wadata da wayewar kai akan harkokin kuɗi.

"Menene Return on Investment (ROI) a Kasuwanci?"

ROI yana nufin riba da ka samu bayan saka jari. Ana amfani da shi don auna yadda jari ya amfane ka ko kuma ya yi asara.

Formular sa itace:
ROI = (Ribar da aka samu ÷ Jimillar jarin da aka saka) × 100

Misali:
Idan ka saka ₦100,000 a wani kasuwanci kuma ka samu ₦120,000 bayan lokaci,
ROI = (₦20,000 ÷ ₦100,000) × 100 = 20%

Me yasa ROI yake da amfani?

Yana taimakawa wajen kwatanta jarin daban-daban

Yana baka damar fahimtar ko jari yana da amfani

Yana rage hadarin saka jari a guraren da ba su da riba

Key Takeaway:
Ka dinga duba ROI kafin ka saka jari. Duk jarin da ba ya bayyanar da ROI mai kyau—ba ya da amfani!

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In this piece, I explain why startups win, despite the efforts of older companies who challenge them in new areas they are pioneering. The older companies can come with money, experience and technology, but most times, they are solving problems, with the wrong incentives.

Consequently, they adjust the problems to accommodate their incentives and in the process, solve an entirely different problem, resulting to a loss. You read it from me: African and specifically Nigerian startups, you can win over the big players. Your incentives are different, and those are inherent advantages for you.

The established companies have what I have called Innovation Hangover which is an inertia to cannibalize existing revenue sources for new opportunities. See it this way: If you run a treasury operation in a bank which will yield $5,000 profit but your fintech unit (a subsidiary) can do the same for $200, would you dismantle that treasury unit, and allow the fintech unit to serve the public because one fintech startup has started offering the service for $200?

That is not what we do most times because of the revenue/profit hangover. So, what happens is this: to fix that problem, the bank has to create a new market friction, and try to solve it. Possibly, that new problem can yield for the bank $1,000 profit, and it can feel that it has innovated, and has challenged the startup on pricing. Indeed, it could offer more features and services than what the fintech startup is offering for $200.

Yet, that is not the original friction which the standalone startup went for. Typically, over time, the startup can still win because the incumbent is hanging onto the established profits, and solving entirely new problems. I have called this Startup Incentive Construct https://www.tekedia.com/the-startup-incentive-construct/

Lokaci Ne Na Farkawa: Karancin Ilimin Kudi Na Ci Gaba Da Dagula Rayuwar Matasa a Afirka."

A nahiyar Afirka, sama da kashi 65% na matasa basa da cikakken ilimi akan yadda ake sarrafa kudi, saka jari, ko ƙirƙirar arziki mai dorewa. Wannan yana barin miliyoyin matasa cikin tarkon bashin banki, MLM, da damfara.

Me yasa ya kamata ka damu?

Ba ilimin boko kadai ke kawo arziki ba—ilimin kudi na da muhimmanci sosai.

Yawaitar rashin sani a fannin tattalin arziki yana hana matasa damar amfana da cigaban fintech da digital economy.

Duk wanda bai fahimci kudi ba, yana barin kansa cikin haɗari a kasuwar yau.

Viewpoint:
A ZubaX, muna da yakinin cewa matasa na iya canza makomarsu idan s**a samu damar fahimtar yadda ake amfani da kudi. Saka jari, kasuwanci, da tsare-tsaren kudade ba don manya kadai bane—su ne makomar matasa a Afirka.

ZubaX — Muna koya, muna zuba jari, muna wayar da kai.

Karancin Ilimin Kudi Na Ci Gaba Da Dagula Rayuwar Matasa a Afirka

A nahiyar Afirka, sama da kashi 75% na matasa basa da cikakken ilimi akan yadda ake sarrafa kudi, saka jari, ko ƙirƙirar arziki mai dorewa. Wannan yana barin miliyoyin matasa cikin tarkon bashin banki, MLM, da damfara.

Me yasa ya kamata ka damu?

Ba ilimin boko kadai ke kawo arziki ba—ilimin kudi na da muhimmanci sosai.

Yawaitar rashin sani a fannin tattalin arziki yana hana matasa damar amfana da cigaban fintech da digital economy.

Duk wanda bai fahimci kudi ba, yana barin kansa cikin haɗari a kasuwar yau.

Yi Following din Hanna Pani (ZubaX):
A ZubaX, muna da yakinin cewa matasa na iya canza makomarsu idan s**a samu damar fahimtar yadda ake amfani da kudi. Saka jari, kasuwanci, da tsare-tsaren kudade ba don manya kadai bane—su ne makomar matasa a Afirka.

ZubaX — Muna koyar da zuba jari, muna wayar da kai.

Tribunal Ta Tabbatar da Tarar ₦190M Akan NBC Saboda Karya Bayanai a Kan Kwalaben Lemu

A ranar Litinin da ta gabata, Kotun Kare Gasa da Hakkin Masu Amfani da Kaya (Competition and Consumer Protection Tribunal) ta ƙi amincewa da yarjejeniyar sulhu tsakanin Nigerian Bottling Company (NBC) da Hukumar Kare Hakkin Masu Amfani da Kaya (FCCPC).

Me ya faru?
NBC ta saka wani bayani da bai dace ba akan kwalaben lemu, wanda hukumar FCCPC ta bayyana a matsayin “mislabelling”. NBC da FCCPC sun nemi sulhu, amma kotu ta ce a’a—dole sai NBC ta biya tarar ₦190 miliyan kamar yadda aka yanke a baya.

Me wannan ke nufi ga masu saka jari da kamfanoni?

Karya gaskiya akan kayanka na iya janyo tarar kudi mai tsanani.

Doka tana karfafa gwiwar kare hakkin masu amfani da kaya a Najeriya.

Kamfanoni su rika tabbatar da sahihancin bayanan da suke bayyanawa.

Viewpoint:
Wannan hukunci yana kara nuna cewa Najeriya na ƙara tsaurara doka akan gaskiya da gaskiyar kasuwanci. Wannan yana da tasiri kai tsaye ga masu zuba jari, masu kasuwanci, da masu sarrafa samfura a kasuwar Afirka.

BREAKING: Babban Bankin Najeriya ya ci tarar Paystack ₦250M kan sabuwar manhajar “Zap”

A ranar Litinin, 29 ga Afrilu 2025, Babban Bankin Najeriya (CBN) ya ci tarar kamfanin Paystack har Naira miliyan 250 saboda ƙaddamar da sabuwar manhajar su mai suna Zap ba tare da samun lasisin da ya dace ba.

Mecece Manhajar “Zap”?

Zap wata sabuwar manhaja ce da Paystack ta ƙaddamar wacce ke baiwa masu amfani damar aika da karɓar kuɗi cikin sauki—kamar walat ɗin dijital. Duk da cewa Paystack ta haɗa kai da bankin Titan Trust domin ajiye kuɗin abokan ciniki, CBN ta bayyana cewa hakan bai wadatar ba, domin irin wannan sabis yana buƙatar takamaiman lasisi daga babban bankin.

Dalilin Tarar:

CBN ta bayyana cewa Paystack tana aiki da lasisin switching and processing, amma sabis ɗin Zap ya zarce iyakar wannan lasisin. Hakan ya sabawa dokokin gudanar da harkokin kuɗi a Najeriya.

Tasiri:

Wannan ita ce tarar farko mafi tsauri da aka ci Paystack.

Alamu na nuna cewa CBN na ƙara matse kamfanonin fintech masu kirkirar sabbin sabis ba tare da cikakken izini ba.

Wannan mataki zai sa sauran kamfanonin fintech su kara kula da bin ka’ida.

Abin Lura anan shine:

Masu saka jari da ‘yan kasuwa ya dace su san cewa bin doka da samun lasisi ya fi mahimmanci fiye da gaggawar fitar da sabbin kayayyaki. Hakan yana taimakawa wajen kare kuɗin abokan ciniki da kuma kauce wa matsaloli daga hukumomi.

Yes, the best time to audition for a job is when there is no job. And the best time for an entrepreneur to raise money is when he/she is not actively raising money. What you did ten years ago can prevent your classmate or co-worker or uncle or anyone, who may have money to spare, to invest in you.

It comes down to integrity, trust and tenacity; I call this ITT Capital, and it is not built in a day or during fundraising. Rather, these are things which are demonstrated over years in transactional forms in dorms, canteens, etc. Can your classmate give you money? Can your colleague at work do the same? Can your auntie invest in your business? If you think they have the resources but refuse, it is possible your ITT Capital is poor before them.

Investing life is made up of two phases – the transactional and relational. The ITT Capital takes care of the transactional part. If you do well therein, you will unlock the relational component which opens opportunity for investment and ideally a long-term relationship with your investor.

And in that relationship, you must keep answering: Who comes first in a moment of truth? The person who gave you money or you? That woman or man or company which believed in you to give money should at all times come before you. If you have that understanding, you will win the future.

Get it from me. People can only give you money if they respect you. An investor can only invest in YOU if they feel they can work with you. Forget your idea or whatever you think you’re building, the real product and company is YOU. If they do not like YOU – the product – they will not buy those shares (yes, invest in your company). To build a great company, you must first build YOU (i.e. yourself) for investors to have confidence to support your journey https://www.tekedia.com/you-are-the-product-win-that-future/

💼 Menene "Asset Diversification" Kuma Me Yasa Yake Da Muhimmanci?

A Yau zamuyi bayani ne akan "Asset Diversification".

Asset Diversification yana nufin raba inda zaka saka ko inda ka saka jarinka a fannoni daban-daban — kamar hannun jari (stocks), kadarori (properties), zinariya (gold), da kuma kasuwannin kudade (bonds). Ko kuma kamar Kasa jari a fannin Technology, da Agriculture, da Harkar Gidaje, da kuma Wasu fannoni daban.

Me Yasa Yake Da Muhimmanci?

- Rage Hadari: Idan wani bangare ya fadi, wani zai iya rufe gibin Wanda ya fadi.
- Samu Damar Riba: Lokacin da wasu kasuwanni ke faduwa, wasu na iya habaka.
- Tsaida Jari Akan Lokaci Mai Tsawo: Diversification yana taimakawa wajen kare darajar jarinka daga canjin kasuwa.

Always Remember:
Kada ka saka duk kudinka a waje guda! Kasuwa na da sauye-sauye.

ZubaX — Muna Taimaka Maka Gina Makomar Kuɗi Mai Ƙarfi.