Haɓakawa, ƙonawa a cikin manyan ƙalubalen da ƙananan 'yan kasuwa ke fuskanta: Bincike

Capital One ta fitar da sakamakon binciken kananan ‘yan kasuwa a yau Laraba. Binciken ya gano cewa kashi 48 cikin 42 na masu kananan sana’o’i sun damu da hauhawar farashin kayayyaki, kuma kashi XNUMX% sun fuskanci konewar a cikin watan da ya gabata.

An gudanar da binciken ne daga ranar 25 ga Maris zuwa 30 ga Maris, 2022 a tsakanin kananan ‘yan kasuwa 1,200 da masu dillalan motoci 300. An ayyana ƙananan kasuwancin a matsayin kasuwancin da ke da jimlar kudaden shiga na shekara-shekara na kasa da dala miliyan 20.

Bisa lafazin Binciken Capital One, 71% na kananan 'yan kasuwa sun nuna cewa hauhawar farashin kayayyaki ya yi mummunan tasiri a kasuwancin su, kuma 77% suna damuwa game da tasiri mai dorewa. Wadannan tasirin suna zuwa ta hanyar ƙananan tallace-tallace da mafi girman farashin kaya.

Dangane da martani, ƙananan masu kasuwanci suna ɗaukar matakin riga-kafi. Jimlar 27% sun nuna sun gina ajiyar kuɗi, yayin da 23% suka haɓaka farashin su da gangan, kuma 21% sun sayi ƙarin kaya. 

"Muna ci gaba da yin la'akari da labarin cewa hauhawar farashin kayayyaki yana karuwa a adadin da ba a gani ba a cikin shekaru 40," in ji John da Kendall Antonelli, wadanda suka kafa Shagon Cakuda na Antonelli a New York, a cikin wata sanarwa da aka bayar. ZDNet. “Bugu da ƙari, tattaunawar da ta fara yin tsokaci game da yuwuwar koma bayan tattalin arziki da ke kunno kai a ƙarshen 2022 zuwa 2023 yana ba mu dakata yayin da muke tantance lokacin da yadda za mu saka hannun jari a kasuwancinmu na haɓaka. Muna ci gaba da ɗokin yin hidima ga abokan cinikinmu da kuma biyan bukatun masu son cuku a duk faɗin ƙasar. ”

An auna hauhawar farashin kaya da kashi 8.5% a watan Maris, wanda ya kai shekaru hudu, wanda ke nufin yawancin Amurkawa na fuskantar hauhawar farashin kayayyakin da ake bukata kamar abinci, tufafi, da iskar gas. A cewar Tarayyar Tarayya, farashin kuɗaɗen amfani da mutum (PCE) - sayayya da suka haɗa da abinci, sutura, da gidaje - ya ƙaru da 6.6% sama da bara.

A yunƙurin dawo da hauhawar farashin kayayyaki a ƙarƙashin kulawa, Fed ɗin ya kada kuri'a gaba ɗaya don haɓaka ƙimar riba ta tarayya da maki 50. Wannan yana nufin ƙimar ribar lamuni, gami da layukan kiredit, katunan kuɗi, da jinginar gida, duk za su ga ƙimar riba mai girma. Duk da haka, yana nufin cewa ribar da aka samu akan ma'auni na asusun ajiyar kuɗi zai ƙaru.

Baya ga hauhawar farashin kayayyaki, "Babban murabus" ya bar alamarsa a kan ƙananan kasuwancin. Bisa lafazin Ofishin Kididdigar Ma'aikata na Amurka, mutane 787,000 sun bar aikinsu a watan Maris. 

Duk da haka, binciken Capital One ya gano cewa kashi 76% na mahalarta sun nuna cewa suna da yakinin za su iya cike kowane matsayi a cikin watanni shida masu zuwa. Kashi 16% na masu kasuwanci ne kawai ke ƙara yawan albashinsu don ingantacciyar hazaka, tare da masu kasuwancin Millennial 46% mafi kusantar yin hakan fiye da sauran ƙananan masu kasuwanci.

A cewar shugaban babban bankin tarayya Jerome Powell, albashin yana karuwa cikin sauri a cikin shekaru da yawa. Yawancin ma’aikata suna neman ƙarin albashi don ci gaba da hauhawar farashin kayayyaki da kuma kuɗin rayuwa.

Haɗe da mamayar da Rasha ta yi wa Ukraine da kuma kulle-kullen COVID-24 na baya-bayan nan a China na kara tabarbarewar sarkar samar da kayayyaki, ba abin mamaki ba ne cewa kashi 60% na kananan 'yan kasuwa sun nuna cewa suna fama da gajiya daga gudanar da kasuwanci yayin bala'in. Bugu da ƙari, kashi 58% na ƙananan masu kasuwanci suna jin raguwa kuma XNUMX% suna damuwa koyaushe game da kuɗin kasuwancin su.

"Dole ne a sanya iyakokin niyya da yawa," in ji Camille Padilla, wacce ta kafa VODIUM, yayin wani sakamakon binciken kananan kasuwancin na Capital One. Don taimakawa wajen guje wa ƙonawa, saita iyakoki tsakanin rayuwar sirri da aiki yana da mahimmanci. 

VODIUM na da ranakun da ba su da taro. A cewar Padilla, kamfanin kuma yana ƙoƙarin yin la'akari da yadda ake samun ayyuka akan radar wani ta hanyar ba su cika su da saƙonnin Slack, saƙonnin rubutu, da imel. VODIUM tana iyakar ƙoƙarinta don sanya lafiyar tunanin ma'aikatanta a gaba.

Kula da ma'aikata yana da mahimmanci. A cewar kwamitin Capital One, a cikin wasu abubuwa, ba da kulawa ga yara zai taimaka wa wasu ma'aikata don guje wa gajiyar aiki.

"Kamar yadda yake tare da sauran abubuwa na rayuwa, komai game da daidaito ne," in ji Steven Tripoli, wanda ya kafa kuma mai haɗin gwiwar Fichi a cikin wata sanarwa da aka bayar. ZDNet. “Na sami kwanaki biyu na aiki na sa’o’i 16 a cikin watan da ya gabata, da kuma kwanaki 12+ da yawa. Don haka idan na sami damar hutawa, nakan yi iya ƙoƙarina don in ɗauka kuma ba zan ji daɗin hakan ba.

Duk da wannan yanayi na matsin tattalin arziki, binciken ya kuma nuna cewa kashi 90% na masu kananan sana’o’i na da kwarin guiwar kasuwancinsu zai fara aiki nan da watanni shida masu zuwa. Koyaya, kawai 43% sun ce yanayin kasuwanci yana da kyau ko kyau.

"Yawancin masu kasuwancin suna jin kamar, idan ba haka ba, sun himmatu don haɓaka kasuwancin su a yau fiye da yadda suke yi kafin barkewar cutar. Yana da ban sha'awa ganin wannan kyakkyawan fata duk da gagarumar iskar da ake ta fama da ita daga hauhawar farashin kayayyaki, rushewar sarkar kayayyaki, da kalubalen aiki. Wannan shaida ce ta juriya da hazaka na wannan al’umma,” in ji Jenn Flynn, shugaban kananan bankin kasuwanci a Capital One a cikin wata sanarwa.