SMART BLOG

🏛️ Menene SCUML? SCUML (Special Control Unit Against Money Laundering) wata ƙungiya ce karkashin EFCC a Najeriya, wadda aka kafa bisa sashe na ƙasa Money Laundering (Prevention and Prohibition) Act 2022. Alhakin su shi ne saka ido kan kamfanoni, ƙungiyoyi da wasu masana’antu domin tabbatar da cewa ba a amfani da su wajen wanke kuɗi ko laifukan kuɗi. --- ✅ Me Kake Bukata Don Yin Rijistar SCUML? 📄 Takardun da ake buƙata: Ga kamfanonin Limited Liability (LLC): Certificate of Incorporation (CAC) Memorandum & Articles of Association (MEMART) Status Report (CAC 1.1 ko CAC 7 & CAC 2) Tax Identification Number (TIN) printout BVN + bank name da account number na daraktocin kamfani Letterhead na kamfani Valid ID na ɗaya daga cikin daraktoci Takardun ƙwarewa (idan sana’a ce ta ƙwararru) Ga ‘Business Name’ (Proprietorship): Certificate na rajistar kasuwanci (BN-01) Form BN-01 (bayanan mallakin) TIN printout BVN + bank account details Ga NGOs / NPOs: Certificate of Incorporati...

KANA SO ƊAN ADAM YA DINGA GANIN DARAJARKA? 1. Ka Rage Magana: Yawan magana ba alamar wayo ba ce. Halittar ɗan Adam ta zo da kunne biyu da baki ɗaya – domin a fi sauraro fiye da magana. 2. Ka Koyi Faɗin "A'a": Kar ka dinga amincewa da abubuwan da zasu cutar da kai kawai don ka faranta. Alkawarin da ya fi ƙarfin ka yana kawo saɓani da raini. 3. Kada Ka Yiwa Tambaya Amsa Da Gaggawa: Idan aka tambaye ka, kayi shiru ɗan lokaci – kayi tunani kafin ka bada amsa. Maganar da ta fita ba zata dawo ba. 4. Yi Tunani Kafin Yanke Hukunci: Gaggawa aikin shaidan ne. Wanda ya yi garaje yafi saurin tuntuɓe da nadama. 5. Ka Rage Yawan Nunawa Kanka: Kar kowa ya dinga ganinka sai dai a wuraren da suka dace kamar wajen aiki. Abinda yafi yawa yana rasa kima. Daraja na buƙatar sirri da natsuwa. 6. Ka Guji Gardama Da Kowa: Musamman da abokai ko iyali. Yawan gardama yana nuna ƙarancin hankali da rainin wayo. Yana iya kawo kiyayya da rashin daraja. 7. Kullum Ka Saka Tufafin Tsabta: Ko da...

Yadda Ake Karanta Lambobin Waya a Najeriya (+234). Bari mu ɗauki wannan lambar waya a matsayin misali: +2348137350232. Wannan lambar tana da haruffa 14. Ga yadda kowace ɓangare ke aiki: --- ✅ 1. +234 – Lambar Ƙasa Wannan lambobi guda uku da alamar ƙari a gaba (+234) sune lambar ƙasa ta Najeriya. Kowace ƙasa tana da nata: 🇳🇬 Najeriya: +234 🇺🇸 Amurka: +1 🇬🇧 Birtaniya (UK): +44 Idan lambar waya ta fara da +234, to ta Najeriya ce. --- ✅ 2. 813 – Lambar Prefix Wannan na gaba, "813", ita ake kira Prefix. Ita ce ke bayyana kamfanin sadarwa da ake amfani da shi. Ga misalai: MTN: 0803, 0806, 0703, 0813, 0816, 0903, 0913, 0706 Airtel: 0802, 0808, 0708, 0812, 0701, 0901, 0902, 0907, 0912 Glo: 0805, 0807, 0705, 0815, 0811, 0905, 0915 9mobile (Etisalat): 0809, 0817, 0818, 0909, 0908 Don haka, idan lamba ta fara da 813, to layin MTN ne. --- ✅ 3. 7350232 – Lambar Masu Amfani (Subscriber Number) Wannan ɓangare na ƙarshe (guda bakwai) ana kiransa da suna subscriber number. W...

Bankuna 10 da ke Bada Bashin Kuɗi Mara Ruwa a Najeriya! Shin kana buƙatar tallafi ko bashi ba tare da wata riba ba? Ga jerin bankuna da hukumomi 10 da ke bayar da bashi mara ruwa (non-interest loan) domin farfado da kasuwanci, noma, da rayuwa gaba ɗaya: ✅ 1. Jaiz Bank Farkon bankin ba riba a Najeriya. Yana bada Qard al-Hasan, bashi ne ba tare da riba ba, domin taimakawa mutane da kananan ‘yan kasuwa. ✅ 2. TAJ Bank Wannan shima bankin Musulunci ne. Yana bayar da Cost-Plus finance ga kananan kasuwanci da manoma. ✅ 3. Lotus Bank Yana goyon bayan tsarin Murabaha da Qardh al-Hasan, musamman ga mata da masu neman tallafin karatu ko sana’a. ✅ 4. NIRSAL Microfinance Bank Yana aiki tare da CBN domin bayar da tallafin noma da sana'o'i ba tare da riba ba. Daya daga cikin bankunan gwamnati da suka fi sauƙin samun rance. ✅ 5. CrediCorp (Consumer Credit Scheme) Sabon tsarin gwamnati ne da zai bai wa ma'aikata da 'yan Najeriya damar samun bashi har ₦2 miliyan ba tare da ri...

Internet na nufin wani babbar hanyar sadarwa ce da ke haɗa kwamfutoci da na’urori daga sassa daban-daban na duniya, ta hanyar musayar bayanai da saƙonni. Ana iya amfani da internet wajen: Bincike da karatu: Google, Wikipedia da sauran shafuka. Sadarwa: Email, WhatsApp, Facebook, da sauransu. Kasuwanci: Siyar da kaya ko ayyuka ta yanar gizo. Kallo da saurare: YouTube, Netflix, da sauransu. Yana taka muhimmiyar rawa a rayuwa ta yau da kullum, musamman a fannin ilimi, sadarwa, kasuwanci, da nishaɗi.

FASAHAR INTANET: DAMA CE TA RAYUWA! 🌐 Intanet ba wai kawai hira da kallon bidiyo ba ce – Ita ce hanyar da ake: ✅ Kasuwanci daga gida ✅ Samun kudaden shiga ta hanyar blogging, YouTube, da freelancing ✅ Karatu da koyon sabbin abubuwa a sauƙaƙe ✅ Talla da haɓaka sana’a 📱 Ka san cewa da wayar ka kawai zaka iya: Samun aikin yi online Gina website naka kamar Smartblog.net.ng Koyi yin video da Hausa voiceover Koyi design, coding, da SEO 🧠 Ilmi shine jari na gaskiya. Yanzu lokaci ne ka fahimci yadda zaka yi amfani da Intanet domin bunƙasa rayuwarka! 📌 Ka kasance tare damu domin koyarwa, dabaru, da tips kai tsaye!

Sabbin Sharuɗɗa da Tsare-tsare daga Airtel” – wanda ya shafi sauye-sauyen da aka gabatar a tsarin rijistar layi da bin doka. Zamu iya zurfafa ta hanyar: 🔍 Bayanin Cikakken Labarin: Airtel ta fitar da sabbin ƙa'idoji don hana damfara da tabbatar da tsaron bayanan masu layi. Daga cikin dokokin akwai: Haramcin rijistar layi ba tare da izinin mai NIN ba. Hana rijistar sim fiye da guda ɗaya da NIN ɗaya a lokaci guda. Hana amfani da kit ko login ID na wani mutum. Idan aka kama agent ɗin Airtel da laifi ɗaya kacal, zai rasa aikin kuma a gurfanar da shi. 💡 Manufar Labarin: Fadakar da jama’a da agents game da mahimmancin bin ƙa’idojin NCC. Hana amfani da bayanan mutane ba tare da izini ba. Goyon bayan yaki da damfara da rashin gaskiya.

📰 1. Labaran Kasa (Nigeria): Hukumar INEC na cigaba da shirin zaben kananan hukumomi a wasu jihohi. Hukumar NDLEA ta kama wasu mutane da buhunan miyagu n ƙwayoyi a jihar Kano. 🌍 2. Labaran Duniya: Kasar Niger ta fice daga ECOWAS gabaɗaya, suna cewa kungiyar ba ta kula da bukatunsu. Russia ta kammala ƙaddamar da sabon makami mai linzami da ake ganin zai canza tsarin tsaro. 📱 3. Sabbin Fasahohi: MTN da Airtel sun fara gwajin fasahar 5G a wasu manyan birane. Sabuwar manhajar AI Translator na Hausa zuwa Turanci ta fara aiki a Google Play Store. 💼 4. Tattaunawa akan Harkokin Kasuwanci: Ana ƙarfafa matasa su koma kasuwancin dijital kamar Affiliate Marketing da Drop shipping. Bankin CBN ya ƙaddamar da sabuwar hanyar biyan kudi ta QR Code don sauƙaƙa ma’amala. 💡 5. Nasiha ko Kwatance (Motivation): > “Kada ka tsaya jiran lokaci ya yi, ka fara da abin da kake da shi yanzu.” – Akwai damammaki da yawa idan ka daina tsoron kuskure.

Yadda ake gano Number NIN number shaidar kaɗin ɗan ƙasa  Lambar *996# wata USSD code ce da aka ƙirƙira domin duba ko tabbatar da cewa lambar wayarka,layi (SIMCARD) an haɗa ta da NIN (National Identification Number), wato lambar shaida ta ƙasa Najeria. --- 📱 *Yadda ake amfani da 996# a Najeria: 1. Kawai ka danna: *996# a wayarka, sannan ka latsa “call”. 2. Za a nuna maka: Ko an haɗa SIM ɗinka da NIN. Ko akwai wani matsala da haɗin. Za a baka zaɓuɓɓuka kamar: Duba NIN da aka haɗa Ƙara ko gyara bayanai Tuntube su idan akwai matsala > ! Lura: Wannan lamba tana aiki ne ga dukkan layukan Najeriya kamar MTN, Airtel, Glo, da 9mobile, amma wani lokaci yana iya nuna sakon daban dangane da layin da kake amfani da shi. --- 🧾 *Amfanin lambar 996#: Tabbatar da cewa ka bi doka wajen haɗa SIM da NIN. Kare kanka daga katsewar layi. Magance matsalolin da suka shafi rashin haɗa NIN.

  MUHIMMIYAR SANARWA ZUWA GA DUK WANI MA'AIKACINSU: ❗❗❗ A yayinda Company Airtel suka dawo da yin  rijistar sabbin layukan waya (sim) bayan fama da gyararraki da suka gabatar a wannan hanyar sadarwa, suna  sanar da ku cewa ba a yarda da rashin bin ƙa'ida da zamba a cikin harkar kasuwanci. Wannan kamfani ba zai lamunci ko ɗaya daga ciki ba. --- ❗ Me ake nufi da rashin bin ƙa'ida (non-compliance) da zamba (fraud)? 1. Kada ka kunna (activate) layin waya a wajen yankin da aka kulle maka (geolocked location). (Wato ka yi aiki ne kawai a yankin da aka ba ka izini). 2. Kada ka yi amfani da NIN ɗin abokin ciniki don kunna layi fiye da ɗaya lokaci guda. 3. Kada ka kunna layuka da yawa da nufin sayar da su a matsayin waɗanda aka riga aka yi musu rajista (pre-registered sims). 4. Kada ka ba wani lambar shiga (login ID) naka, ko kuma ka ba wani kayan aiki naka (kit) ya yi aikin madadinka. 5. Kada ka yi amfani da NIN ɗin wani don yin rajista ba tare da yardarsa ba. 6. Kada ka yi SIM s...

KASHI NA ƊAYA: RANAR DA TA CANZA KOMAI A cikin ƙauyen Dandume, wani matashi mai suna Sulaiman yana zaune da mahaifiyarsa mai suna Inna Hauwa'u. Rayuwarsu cike take da ƙalubale, amma suna zaune cikin ƙauna da dogaro da Allah. Mahaifin Sulaiman ya rasu tun yana ƙarami, hakan yasa Sulaiman ya ɗauki nauyin kula da mahaifiyarsa tun yana ɗan shekara goma sha biyar. Kullum da safe, Sulaiman yana tashi ya tafi gona, yana bin gonakin mutane yana yin aiki don samun abinci da ƙaramar kuɗi don kula da mahaifiyarsa. Duk da ƙuncin rayuwa, bai taɓa korafi ba. Amma wata rana, bayan dawowarsa daga aiki, ya samu Inna Hauwa’u a kwance – tana ta rawar sanyi, idonta cike da hawaye, kuma jikinta na karkarwa. Ya ruɗe, ya ɗauki guntun kuɗin da ya tara domin siyan abinci, ya nufi asibitin garin. Kuma wannan rana ce ta fara canza rayuwarsa gaba ɗaya...

Yadda ya kamata mu kula da B.V.N namu cikin Aminci. Bank Verification Number (BVN). Wannan tana da alaƙa da tsaro da kariyar bayanan mutum (privacy). BVN a Najeriya yana da matukar muhimmanci kuma ana kiyaye shi da tsauraran dokoki. Babu wanda zai iya samun cikakken bayani daga BVN sai dai: Bankin da ka bude asusu a ciki Ƙungiyar sadarwa ta gwamnati (kamar CBN, EFCC) a cikin bincike na doka Idan wani ya ce zai baka bayanan BVN, to yana kokarin karya doka ko damfara. Idan kana da matsala da BVN: Je kai tsaye zuwa bankin da ka bude asusun. Ko kira customer care na bankinka.

Ga yadda ake haɗa Hotspot na wayar Android cikin sauki: --- ✅ Yadda Ake Haɗa Hotspot a Android: 1. Buɗe Settings Je cikin wayarka ka shiga Settings. 2. Shiga Network/Connections Danna "Network & Internet" ko "Connections" (ya danganta da nau’in wayar). 3. Danna Hotspot & Tethering Za ka ga wani zaɓi mai suna "Hotspot & Tethering". Danna shi. 4. Danna Wi-Fi Hotspot Sai ka danna "Wi-Fi Hotspot". 5. Kunna Hotspot Ka danna "On" don kunna Hotspot ɗin. 6. Saita Suna da Kalmar Sirri (Password) Za ka iya canza sunan Hotspot da kuma saita kalmar sirri (Password) ta danna "Set up Wi-Fi Hotspot". A nan zaka sa sunan da zaka fi gane Hotspot ɗinka, da kalmar sirri mai ƙarfi. --- 💡 Abubuwan Da Ya Kamata Ka Lura Da Su: Idan kana amfani da data card (MB), ka kula kada ya ƙare da wuri idan mutane da yawa sun haɗa. Ka saita kalmar sirri mai ƙarfi don kada mutane su haɗa ba tare da izini ba. A wasu wayoyi zaka ga Hotspot...

Ga sirrikan kamar haka: Wayar Android  na dauke da wasu sirruka masu ban mamaki da mutane da dama basu sani ba.  Ga muhimman fasaloli guda 5 da zasu taimaka maka amfani da wayarka cikin hikima: --- 1. Screen Pinning – Kulle App ɗaya kawai Wannan fasalin yana ba ka damar kulle wayarka a cikin app ɗaya. Idan ka ba wani wayarka, ba zai iya fita daga wannan app ba har sai an buɗe ta. Amfani: Idan kana ba yara ko abokai wayarka, ba za su iya shiga sauran apps ba. Yadda ake kunna shi: Je zuwa Settings > Security (ko Security & Location) Nemi Screen Pinning, sai ka kunna shi Danna Recent Apps, sai ka danna icon ɗin app ɗin da kake so ka yi pin Danna 📌 Pin — Shikenan! --- 2. Smart Lock – Buɗa Wayarka A Wurin da Ka Yarda da Shi Smart Lock yana baka damar barin wayarka a buɗe idan tana wurin da ka amince da shi (misali: gida ko mota), ko tana haɗe da wata na’ura kamar smartwatch. Amfani: Ba sai ka dinga saka password ko fingerprint kullum ba. Yadda ake kunna shi: Je ...

   Yadda Ake Bincika Katin Ɗan Kasa (NIN) a Najeriya Idan ka manta ko baka da tabbacin Lambar Shaidar Ɗan Kasa (NIN) ɗinka, akwai hanyoyi da dama da zaka bi domin duba ko dawo da ita cikin sauƙi. Wannan lamba tana da matuƙar muhimmanci saboda tana da alaƙa da banki, SIM card, da wasu muhimman bayanai na gwamnati. ✅ Hanyoyi Uku Domin Bincika NIN ɗinka: 1. Ta Wayar Salula Danna *346# a kowace waya (MTN, Airtel, Glo, 9mobile). > Zaka ga sakon da ke bayyana NIN ɗinka idan wayar an yi rijista da shi. 2. Ta Ziyarar Gidan Yanar Gizo na NIMC Shiga https://www.nimc.gov.ng > Zaka samu damar duba cikakkun bayananka ko sauke app ɗin da ke taimakawa wajen ganowa. 3. Ta Duba Takardar NIN Ko Katin ID Idan kana da takardar da ka karɓa lokacin rijista, ko katin ID ɗinka, zaka ga NIN ɗin a jikin su. --- 💡 Shawarwari (Tips): Rubuta NIN ɗinka a wuri mai tsaro. Kada ka raba shi da mutane marasa tushe. Ka tabbatar da cewa ka gama rajistar NIN ɗinka cikin cikakken bayani.

🌍 English Version:   The Lessons You Don’t Learn in School Title: Life is the most expensive - yet most useful -school. Not every lesson is taught in the classroom. Some of the most powerful teachings come from experience: Learn to let go of what no longer serves your purpose. Know that not everyone will support you, even when you’re right. Don’t rely too much on promises - trust your work and prayers more. Every moment teaches something: one builds patience, another builds wisdom. > Formal education can make you literate, but life education makes you wise.  Hausa Version:  Ilimin Da Ba'a Samu a Makaranta Ba  Rayuwa ita ce makaranta mafi tsada - amma mafi amfani. Ba duk wani ilimi ne ake koya maka a cikin aji ba. Akwai wasu darussa da rayuwa kaɗai zata iya koya maka: Ka koya yanda zaka hakura da abubuwan da basu da amfani a rayuwarka. Ka san cewa ba kowa zai goyi bayanka ba, ko da kuwa kai mai gaskiya ne. Kada ka dogara da alkawarin mutane fiye da yadda ka dogara...