Shin kun taɓa mamakin dalilin da yasa mafi yawan bankuna suke da halin sanya agogo a waje gine-ginensu? Shin wasu irin al'adun ne kawai suka fara a wani wuri Misali Na Gaskiya, ko akwai zurfi wanda yake nufin damuwa? Daidai, yanzu ba daidaituwa ba ne cewa bankuna da masu banki suna sha'awar agogo. Thanari fiye da kowane jiki, bankuna suka kama: lokaci tsabar kudi ne.
A mataki mai sauki, ba shi da wuya a gane dalilin. Kawai don kare kanka da misali, bari muyi la'akari ka bashi $1000 daga cibiyar hada-hadar kudi da ke kula da ribar kaso biyar%. A cikin shekara guda, zaka biya mayar da rancen, da $ dubu da biyar%, ga duka na $1,050. Bankin yayi amfani dashi “lokaci” – 365 kwanaki, don canza $ dubu zuwa $1050.
Manufar cewa lokaci kuɗi yana sake komawa ga mafi ƙaranci ga mutum ta hanyar sunan martín de azpilcueta. Wani masanin tattalin arziki dan asalin kasar Spain wanda ya rayu tsakanin shekarun 1500s. Ya kasance ɗaya daga cikin farkon waɗanda suka haɓaka zaɓaɓɓen ra'ayi ko ƙa'idar kuɗi da alaƙar ta da lokaci.
Amma ra'ayin cewa “lokaci tsabar kudi ne” za a iya gano ƙananan baya zuwa aƙalla shekaru ɗari biyu da suka gabata fiye da. Zamanin azpilcauta hanyar rayuwar bankunan da ke sanya agogo a waje cibiyoyin su sun fara cikin farkon shekarun tsakiyar. A mataki tare da masanin halayyar dan adam morris berman. Bayan karnin ƙarni na goma sha uku a biranen Italiya “buga da 24 awowi na yini”. Berman ya fada a cikin littafinsa, “reenchantment na fage.”
ba kaddara bace wata sabuwar hanyar kasuwanci ta canza zuwa karni na 13 da 14. Berman ya ce, musamman a cikin italy, inda sabon salo na lissafin kudi ya zama ya maye gurbin tsohon, rushewar tsarin mulkin mallaka. Wannan sabon salon na tattalin arziki ya zama wayewar sabon tsarin kudi: tsarin jari-hujja. Na hanya, gaskiya jari-hujja-jari hujja kamar yadda muke sane da ita a yan kwanakin nan ba za ta ƙara ƙarfafuwa ba har zuwa kusan 1700s. Amma batun cewa kudi na iya shafar kudi ta hanyar wucewar lokaci sai ya koma yawo a cikin turai ya zama ya zama cibiyar zuwa wani lokaci.
Wadannan kwanaki, yawancin mutane suna ɗaukarsa ba tare da la'akari da hakan ba “lokaci kudi ne”. Hankali ne wanda ya fito fili kamar yadda yake kunshe a cikin rayuwar mu ta kowace rana. Kuma saita zurfafa cikin tunaninmu, ba za mu iya yarda da lokaci ko duniyar da ba haka ba. Duk da haka a farkon shekara 1200, ka ce, kusan babu wanda yayi tunanin lokaci a matsayin kuɗi. Agogon aikin injiniya na gaske don mutane suyi nazari ba safai ba. (sundials da agogon ruwa sun sake wucewa shekaru da yawa, duk da haka da gaske shi ne kowane sauran labari!). Tun da farko fiye da kirkirar agogo na zamani, ba a taɓa samun irin wannan damuwa ba a kan lokaci.
Miliyoyin mutane a zamanin yau sun sami kwamiti “ta hanyar awa”. Wanne ne ke haifar da ma'anar gida cewa lokaci kuɗi ne. “idan nayi aiki 8 awowi don $10 a mataki tare da awa, Ina samun $ tamanin!” kuma ku sani yadda tunanin lokaci yake aiki cikin yarenmu ta hanyoyi da yawa. Idan wani ya sanya fiye da 40 awowi daidai da mako, abin la'akari ne “bayan lokaci na yau da kullun”. Wannan karshen “nau'in” lokaci, “ƙarin lokaci,” shi ne akai-akai karin taska fiye da “lokacin al'ada”. Saboda halayyar tana samun caji mafi kyau don aiki mafi girma awanni.
Saboda gaskiyar lokaci tsabar kudi, kasuwancin kasuwanci na “iko lokaci iko” ya zama kamfani a cikin kansa. Kuna iya siyan littattafai akan hanya don amfani da lokacinku da kyau. Sauki taron karawa juna sani kan kula da lokaci, da kuma bincika “dabaru” don yin amfani da shi mai ƙarfi a hankali. Dukanmu muna da sha'awar amfani da lokacinmu mafi kyau saboda gaskiyar wannan yawanci yana bamu damar samun ƙarin kuɗi.
Abin mamaki, daya daga cikin hanyoyin don samun karin kudi shine tserewa daga aiki na albashi kwatankwacin lokaci. Wasu 'yan Adam ba sa samun albashi cikin sa'a, duk da haka azaman madadin ta hanyar yr, tare da albashin shekara-shekara. Ayyukan da aka biya cikin fifiko sun fi aiki fiye da ayyukan albashi na kowane sa'a. Matsalar albashin awa shine cewa awanni ne kawai cikin rana. Don haka komai yawan adadin da kuke son aiki, dan lokaci yana takura.