Ciniki ɗaya daga cikin kayan aiki mafi zamani da riba don samun kuɗi.
Ana ɗauke shi a matsayin ɗaya daga nau'ikan samun kuɗi mafi sauƙi, ciniki akan wannan dandali yana da musamman saboda yana shafar hasashen canjin farashin wata kuɗi ko kayan menta (dukiya). Babu buƙatar ilimi a fannin tattalin arziki ko kuɗi; ko kowane kwas. Abubuwa suna sauƙi: kawai kuna buƙatar hasashen ko farashin wata dukiya zai tashi ko sauka. A zahiri, wannan tsari zai nuna a graf.
Inda akwai haɗari, akwai riba koyaushe. Inda akwai riba, akwai haɗari koyaushe. Kafin fara samun riba (har zuwa 90% na adadin ciniki), kuna buƙatar san cewa kowane haɗari (da kowane riba) an ƙayyade a gaba.
Kamar yadda aka ambata, yin yarjejeniya ɗaya daga cikin hanyoyin mafi sauƙi don samun kuɗi. Magana "ƙarin kuɗin da kuka saka, ƙarin ribar da kuke samu" ba ta dace a nan. Mafi ƙarancin adadin ciniki a Binany shine 0.5 USD. Mafi ƙarancin ajiya shine 5 USD.
Da farko kuna buƙatar yin yarjejeniya. Muna zaɓar lokacin ƙarewa (lokacin rufewa) kuma muna jira ƙarewar daƙiƙoƙi. Dandali zai duba ko hasashenku daidai ne, idan haka ne, kun sami riba har zuwa 90% na adadin da aka saka.
Kamar yadda kuke fahimta, matakai 4 masu sauƙi kawai. Wannan shine dalilin da yasa aiki tare da zaɓuɓɓuka yana da shahara kowace rana. Babu wani kayan saka hannun jari da zai ba ku irin wannan ribar cikin ɗan lokaci. Fa'idodin ƙarshe: ba ku buƙatar sauke ƙarin software; ba ku buƙatar ilimin tattalin arziki ko kuɗi. Don samun kuɗi, isasshe ne kawai ku sami ƙanƙanin tunani game da kasuwa da samun labarai na baya-bayan nan.