Yaya kuke sarrafa kudi-kudi na fasaha a matakin kalangu?

Question

Accepted Answer

A matakin kalangu, kudi-kudi na fasaha shine **jerin abin da ake sarrafawa**, ba waje da cewa ake cire shi. Manufar ba ita ce kudi-kudi mara tsafin ba; ita ce jiyya da kudi-kudi a mataki inda ba zai kamata gajeriyar saurin aiki, amincin aiki, ko ikon isar da daidaitattun hanyar yin aiki ba.

## Yadda za a tunanin haka

```text
MAKE DEBT VISIBLE AND PRIORITIZED
- Inventory the debt that actually hurts (slows delivery, causes incidents)
- Classify: strategic (deliberate) vs accidental vs decay/rot
- Quantify impact in business terms (velocity, downtime, churn risk)
- Allocate a steady % of capacity to paydown (commonly 15-25%)
```

Ba duka kudi-kudi ba ne ke da matukar ma'ana a biyan. Kudi-kudi a cikin tsarin da ya kwanta, wanda ba a canja daga ba, ana iya barin shi; kudi-kudi a cikin waje da ke da sauri, ya kamata a biyan shi da farko.

## Misali mai sanadi

Wani CTO ya kafa doka cewa kashi 20% na karfin kowane ƙungiya ya kamata zuwa jiyya da biyan kudi-kudi, sannan ya daidaita shi ga nisan tsarin da ke haifar da 80% na matsalolin rashin aiki, maimakon watsa shi a duk saiti.

## Sauyin rai da kuskure

- **Kuskure:** "babbar sake gidawa" don cire duka kudi-kudi, wanda yawancin lokaci ba ya isa ba kuma ya sake haifar da kudi-kudi.
- **Kuskure:** ba biyan shi zuwa ba, har saurin aiki ya fadi.
- Tunani da kudi-kudi a matsayin lallai na jirgin fasaha kawai ba shi yi ba; danganta shi da abubuwan kasuwa domin samun yarjejeniyar jiya.

## Yasa ake bukata

Kudi-kudi na fasaha da ba aka sarrafa ba yana haifar da dumi har sai da baje waje ake bukata watanni masu yawa kuma sakonnin matsalolin ƙarƙasuwa su sami karuwa.

Sarrafawa a matsayin jerin abin da ake tunani ayi a kansu yana jiyya matakin kalangu da sauri kuma amincin aiki a cikin shekaru masu yawa, kuma yana juyar da waje na ilimin fasaha zuwa aji da ake kirga wanda jiya ke iya tunani game da shi.