5.7 Hauhawar Farashi da Zinariya/Azurfa - Rikicin Kuɗi na Duniya | Quran Course

5.7 Hauhawar Farashi da Zinariya/Azurfa - Rikicin Kuɗi na Duniya | Quran Course

Idan ka cika kasuwannin kuɗi da kuɗi, za ka haifar da hauhawar farashi. Wannan saboda akwai kuɗi da yawa da ke yawo a kan adadin kayayyaki iri ɗaya, wanda hakan ke rage darajar kuɗi, kuma yana nufin dole ne a musanya kuɗi da yawa don sayen kaya iri ɗaya a cikin wani lokaci. Cewa kwalbar coke a yau ta fi tsada da kashi 100% fiye da yadda take a shekaru 10 da suka wuce, saboda galibi darajar kuɗi ta ragu ne. A lokaci guda, kadarori kamar gidaje, ƙasa, ko zinariya ba sa rasa daraja, domin suna riƙe da ainihin darajarsu a kowane lokaci. Amma tunda darajar kuɗin takarda na gwamnati (fiat) na ƙara faɗuwa, sakamakon ƙarshe shi ne ƙarfin sayen kuɗi (ikon kuɗi na sayen kayayyaki da ayyuka) yana raguwa. Saboda haka, a zahirin ma'ana, dukiya na ƙara raguwa, tun da kuɗi na rasa daraja idan aka kwatanta da kadarori na zahiri masu tabbas. A yau mun ga cewa ikon mutane na yin tanadi ya ragu a hankali, duk da cewa suna samun kuɗi fiye da kowane lokaci. Ƙarfin sayen kuɗi ya ragu a zahiri, yayin da darajar kadarori gabaɗaya ke nan ɗaya, amma adadin kuɗin da ake buƙata don sayen kadarori na zahiri (ƙasa, gidaje, kaya) yana ƙaruwa. Gabaɗaya, mutanen yau suna yin tanadi kaɗan idan aka kwatanta da mutanen da suka rayu shekaru ashirin kacal da suka wuce.

If you flood financial markets with money you create inflation. This is because there is more money chasing around the same number of goods, which devalues money and means you have to exchange more money for the same goods over a period of time. That a bottle of coke today costs 100% more than it did 10 years ago, is primarily because the value of money has been devalued. At the same time, assets such as property, land, or gold do not devalue as they keep the same intrinsic value at all times, but since the value of paper fiat money is falling, the net effect is that the purchasing power (ability of money to buy goods and services) is lowered, and hence in real terms wealth is actually falling, because money is being devalued, compared to real hard assets. Today we have witnessed that people’s ability to save has been diminished over time, despite the fact that we are earning more than ever. The purchasing power of money has declined in real terms as the value of assets generally remains the same, but the amount of money required to buy hard assets (land, property, goods) is increasing. In general terms people today save very little compared to people only two decades ago.

Bugu da ƙari, tun da Ƙasar Musulunci ba ta buga kuɗi saboda ba za ta iya buga ƙarin zinariya ba, ba za a sami ƙaruwar kuɗi da ke bin adadin kayayyaki iri ɗaya ba; saboda haka tsarin Musulunci ya fi kariya daga hauhawar farashi, tun da babban abin da ke haifar da hauhawar farashi shi ne sauƙin buga kuɗi (ko da yake akwai wasu abubuwa). Hauhawar farashi a cikin Ƙasar Musulunci za ta kasance abu mai wuya, domin kasuwanci da mutane za su riƙa tara dukiya; dukiyarsu ba za ta rasa daraja ba. Tun da akwai ci gaba mai ɗorewa tare da karuwar buƙata da ingantattun fasahohi, yiwuwar hauhawar farashi ko rage darajar kuɗi ba za a yi tunaninta ba sai dai idan an sami karuwar zinariya mara al'ada, wanda ba shi da yiwuwa. Ko a irin wannan hali, wajibcin rabon arziƙi na gwamnati da inganta rayuwar al'umma za su haifar da ci gaba daidai da hakan don daidaita irin wannan ƙarin samarwa da ba a saba gani ba. Lafiyar tattalin arziƙi ba ta dogara ne da amincewa da ci gaban dukiya ba, illa dai da ikon mutane na rayuwa cikin kyakkyawan matsayi. Ci gaba a tattalin arziƙin Musulunci ba a duba shi ta fuskar kawai ƙaruwar GDP idan aka kwatanta da shekarun baya ba, a'a, ma'auni ne mai faɗi da zurfi na yadda mu'amalar al'umma ta inganta ta fuskar yawa, inganci da adalci. Saboda haka, ci gaban GDP na yawa da ƙasashe ke nema a yau, wanda ke kai ga raguwar rayuwar al'umma, ba a ɗaukarsa a matsayin ci gaba, sai dai a matsayin koma baya. Girma yana cikin ɗabi'ar mutane ta halitta; kuma inganta shi matsala ce ta kimiyya, wadda ba ta taɓa ƙarewa ba. Sai dai samun ci gaba mai ɗorewa a matakin tattalin arziƙi ba tare da tashe-tashen hankula ba matsala ce ga tsarin tattalin arziƙi, wadda Musulunci kaɗai ne zai iya magance ta.

Furthermore, since the Islamic state does not print money because it cannot print more gold, there will not be an increasing amount of money chasing the same number of goods; hence the Islamic system is largely inoculated against inflation, since the main factor behind inflation is the easy printing of money (although there are other factors). Inflation within the Islamic state will be a rare occurrence as businesses and individuals acquire wealth; their wealth is not devalued. As there is continuing growth with increasing demand and improving technologies, the unlikely case of inflation or devaluation of money could only be entertained if there is an abnormal increase in gold supply, which is unlikely. Even in such a case the distributive obligations of the state and improving standards of living would produce commensurate growth to stabilise such unlikely outbursts in supply. The health of the economy is not based on the confidence of growth in wealth, rather the ability of people to live a good standard of living. Growth in the Islamic economy is not viewed in terms of mere increase in GDP compared to previous years, but is a more holistic and profound measure of how transactions in society have improved in terms of quantity, quality and equity. Hence quantitative GDP growth that is sought by nations today which leads to a declining way of life, is not seen as growth, but rather as a decline. To grow is a natural instinct in people; and enhancing it is a problem of science, which is never in short supply. However enabling sustainable macro growth without booms and busts is a problem for the economic system, which can only be addressed by Islam.