David Bahnsen

**David Bahnsen** / / ˈbɑːnsən / ; an haife shi a shekara ta 1974) manajan fayil ne na Amurka, masanin tattalin arziki, marubuci, kuma mai sharhi kan talabijin. Shi ne wanda ya kafa kuma Babban Jami'in Zuba Jari na The Bahnsen Group kuma babban jami'i a National Review Institute . Shi mai bayar da gudummawa ne ga *Forbes*, *National Review,* da *Commentary .*

Bahnsen yana da ra'ayin siyasa mai ra'ayin mazan jiya da kuma na tattalin arziki na gargajiya mai sassaucin ra'ayi. Shi Kirista ne kuma mahaifinsa Greg Bahnsen ne, mai kare hakkin Kirista . Yana goyon bayan cewa aiki yana da mutunci da manufa, ra'ayin da ya dogara da shi a fahimtarsa ta Kirista game da aiki, fiye da amfanin tattalin arziki. Yana goyon bayan manufofin kasuwa mai 'yanci, gami da rage harajin kamfanoni da rage ƙa'idoji. Yana sukar harajin a gwamnatin Trump ta biyu .

Kafin Bahnsen ya shiga harkar kuɗi, a shekarun 1990, ya jagoranci mawaka a masana'antar kiɗan Kirista, ciki har da sanya hannu kan ƙungiyar Christian ska The OC Supertones to Tooth &amp;amp; Nail Records, wata ƙungiyar rikodi mai nasara da ke Seattle wadda ke da alhakin ƙaddamar da MxPx da Underoath . Bayan horo a matsayin mai ba da shawara kan harkokin kuɗi, ya yi aiki a Morgan Stanley na tsawon shekaru takwas, inda ya zama babban mai ba da shawara 1200 a Amurka a shekarar 2014 kafin ya tafi ya fara kamfaninsa. A shekarar 2025, *Forbes* ta naɗa shi babban mai ba da shawara kan harkokin kuɗi a California kuma babban mai ba da shawara 100 a Amurka ta hannun *Barron's* .

A shekarar 2023, ya zargi JPMorgan Chase da nuna wariya ga bankuna bisa ra'ayin siyasa na addini ko na masu ra'ayin mazan jiya. Ya shiga yakin neman zabe na tsawon shekaru da dama na fafutukar masu hannun jari tare da Jerry Bowyer da Alliance Defending Freedom (ADF), wadanda yake da mukamin mai ba da shawara tare. Cibiyar Shari'a ta Kudancin Talauci ta soki Bahnsen saboda gaza bayyana rawar da ya taka a ADF a cikin shawarwarin masu hannun jari. Chase ya musanta cewa ya shiga cikin duk wani rufe bankunan da ke nuna wariya, yana zargin dokokin tarayya . Fiye da jami'an jihar Republican 30 sun rubuta wa shugabannin Chase wasiku da irin wannan zargi, wanda hakan ya haifar da kara bayyana addini da ra'ayoyin siyasa a cikin manufofinsu na yaki da wariya a shekarar 2025. A watan Agusta, Shugaba Donald Trump ya sanya hannu kan wata doka ta zartarwa wadda ta umarci masu kula da harkokin kudi da su binciki Chase da sauran bankuna kan manufofinsu na rashin wariya.

## Rayuwar farko da ilimi
An haifi Bahnsen a Torrance, California,  kuma ɗan Greg Bahnsen ne, wani masanin tauhidi ɗan Amurka kuma masanin falsafar Calvinist . Ya halarci Makarantar Sakandare ta Kirista ta Newport (NCHS) inda mahaifinsa malami ne. 

Yana sha'awar siyasa da tattalin arziki tun yana ƙarami. Ya sami rajistar *National Review* don ranar haihuwarsa lokacin da yake makarantar firamare kuma ya bauta wa Alex P. Keaton, wani jarumin talabijin mai ra'ayin mazan jiya, mai addini wanda ke son yin aiki a Wall Street . 

Bayan ya daɗe a masana'antar kiɗa, a lokacin bazara na 2001,  Bahnsen ya shiga shirin horar da mai ba da shawara kan harkokin kuɗi a Paine Webber . 

## Aiki da taimakon jama'a
A shekarun 1990, Bahnsen ya gudanar da harkokin gudanar da mawakan kiɗa, a lokacin ne ya kasance manajan ƙungiyar mawakan The OC Supertones, ƙungiyar mawakan Kirista da ke buga ska . Ya taimaka wa ƙungiyar ta cimma nasarar kasuwanci ta hanyar yin koyi da masana'antar kiɗa ta duniya da kuma neman damar yin amfani da kasuwa. A matsayinsa na manaja, ya sami yarjejeniyar rikodi da kamfanin Seattle Tooth &amp;amp; Nail Records,  tare da ƙungiyoyi kamar MxPx, Underoath, da Thousand Foot Krutch .  A lokacin, ita ce ƙungiyar mawakan Kirista guda ɗaya tilo da ke da kwangilar rikodi.  A shekarar 1998, an naɗa shi manajan ƙungiyar mawakan waƙa ta KMG Records kuma ya sanya hannu kan The Straw Theory a matsayin ɗaya daga cikin fitattun mawakan.   Bahnsen ya sayar da kasuwancinsa na gudanar da mawakan waƙa lokacin da yake ɗan shekara 27 kuma ya bar masana'antar don yin aiki a fannin kuɗi. 

Yayin da yake horo a matsayin mai ba da shawara kan harkokin kuɗi,  Bahnsen ya yi aiki a UBS Financial Services na tsawon shekaru biyar.  Daga nan ya shiga Morgan Stanley a 2007,  inda ya kasance babban darakta  kuma babban jami'in kula da dukiya na tsawon shekaru takwas.  Yayin da yake Morgan Stanley, Bahnsen ya kafa Makarantar Sakandare ta Pacifica Christian a 2010 don cike "bambancin yanki" a makarantun sakandare masu tushen addini a yankin bayan rufe makarantarsa ta NCHS a 1988.   Ya kasance cikin kwamitin gudanarwa na makarantar tun 2013. 

Zuwa shekarar 2015, Bahnsen yana kula da wani kamfani mai kadarori kusan US$   Daga nan ya kafa **kungiyar The Bahnsen Group** a Newport Beach,  ya bar Morgan Stanley saboda ya ce ya zama "babban abu," kuma ya shiga Hightower Advisors .  A shekarar 2021, kamfaninsa yana kula da wani kamfani mai darajar US$  na Amurka.  Nan da shekarar 2023, wannan kamfani ya ninka sau biyu.   A watan Yunin 2024, kamfanin ya bude ofishinsa na 8 a West Palm Beach, Florida .   , kamfanin yana kula da kadarorin da suka kai dala miliyan  US$ a tsakanin ƙungiyar masu ba da shawara 86. 

Bahnsen ya shiga kwamitin gudanarwa na Cibiyar Nazarin Kasa a shekarar 2016,  inda yake karbar bakuncin shirin watsa shirye-shiryen talabijin na Capital Record kuma babban jami'i ne    An naɗa shi a kwamitin amintattu a Kwalejin King's da ke birnin New York a watan Oktoban 2017.  Bahnsen kuma memba ne na malamai a Cibiyar Acton, babban jami'in tattalin arziki a Cibiyar Jagorancin Al'adu, kuma malami a Ƙungiyar 'Yancin Blackstone. 

## Ra'ayoyi da sharhi
Bahnsen yana rubutu game da mahadar kasuwanni da siyasa. Shi mai bayar da gudummawa ne ga *Forbes ,*  *National Review,*  da  .  Shi ne kuma mai gabatar da shirin podcast na Radio Free California na *National Review*  kuma mai gabatar da shirin podcast na Capital Record. 

A watan Agusta na 2017, Bahnsen ya aika wa Shugaba Donald Trump wasiƙa yana roƙonsa da ya yafe wa Michael Milken .  Ya yi jayayya cewa ƙarar Milken ta samo asali ne daga ƙarar da masu gabatar da ƙara suka yi da kuma rashin fahimtar jama'a, yana mai cewa Milken bai aikata ciniki na cikin gida ba kuma bai cutar da kasuwannin jari ba. Madadin haka, Bahnsen ya ce a yi wa Milken murna saboda haɓaka kasuwar basussuka masu yawan riba, wanda ya bayyana a matsayin kirkire-kirkire wanda ya ba da damar haɓaka kasuwanci ta hanyar ƙara samun jari . Ya dage cewa kirkire-kirkire na Milken a fannin kuɗi mai yawan riba suna da amfani a fannin tattalin arziki kuma afuwar shugaban ƙasa za ta gyara wani rashin adalci na tarihi.  Bahnsen da kansa bai ba da shawarar amfani da takardun lamuni masu yawan riba ba. 

Bahnsen ya yi kira da a fahimci tattalin arziki da al'umma ta hanyar amfani da ƙa'idodi masu tushe da kuma abin da ya kira "gaskiya masu ban mamaki." Yana yaba wa Milton Friedman da Ronald Reagan, kuma yana neman kiyaye gadon ilimi.  Ya yi jayayya cewa Brexit a shekarar 2019 ya yi kyau ga tattalin arzikin duniya, don haka yana da kyau ga Burtaniya (UK) a wata hira da aka yi da shi a CNBC .  Bahnsen ya yi jayayya cewa ficewar Birtaniya daga Tarayyar Turai (EU) na iya haifar da damar tattalin arziki maimakon haɗarin kuɗi kawai. Ya yi jayayya cewa rashin daidaiton kasuwa da ke kewaye da kuri'ar ya ɓoye yuwuwar sabunta gasa da saka hannun jari a wajen tsarin dokokin EU. Bahnsen ya tsara Brexit a matsayin wani abu mai kawo cikas wanda zai iya samar da wadata na dogon lokaci idan aka haɗa shi da ingantattun manufofin tattalin arziki .  

Ya yi jayayya a cikin wani shirin rediyo na 2024 na *National Review* cewa al'adun zamani suna da ra'ayoyi marasa tushe game da aiki. Yana fafutukar ganin an sake fahimtar aiki a matsayin aiki mai ma'ana maimakon kawai hanyar samun kuɗi. Yana da'awar cewa aiki yana da mutunci da ƙima a cikin yanayi mai tsarki da na duniya. 

### Haraji da haraji
A lokacin shugabancin Donald Trump na farko, Bahnsen ya bayyana shirinsa na sake fasalin haraji, wanda ya haɗa da haɗa matakan harajin shiga da rage yawan harajin kamfanoni, a matsayin abin da ke da matuƙar kyau a ƙa'ida, don ci gaban tattalin arziki mai yuwuwa. Duk da haka, ya yi jayayya cewa yanayin gyare-gyaren da ake yi ya sa ba za su iya rayuwa cikin sauƙi ba, yana mai hasashen cewa Majalisa za ta rage matakan sosai a lokacin aiwatar da dokoki.  Yayin da shugabancinsa ke ci gaba, Bahnsen ya nuna damuwa cewa ƙoƙarin sake fasalin haraji yana fuskantar koma baya sakamakon rashin kyakkyawan shugabanci na siyasa. A watan Nuwamba na 2017, Bahnsen ya shirya wani taro kan Dokar Rage Haraji da Ayyuka kuma ya ce tattaunawa da Ivanka Trump da Steven Mnuchin  ta nuna rashin fahimta da kuma taka tsantsan a cikin gwamnati game da manufofin tattalin arziki na manufofin. Ya yi jayayya cewa rage yawan kuɗaɗen kamfanoni da rage haraji zai haɓaka saka hannun jari da ci gaban tattalin arziki, amma gwamnatin ba ta da wani fifiko a kan manufofi.  Ya yi jayayya cewa rage harajin kamfanoni yana faɗaɗa saka hannun jari, yawan aiki, da haɓaka albashi ta hanyar ƙara yawan kuɗi kyauta da inganta rabon jari a duk faɗin tattalin arziki,  yayin da ɗaukar haraji kan tarin dukiya ko jari yana lalata saka hannun jari da ci gaban tattalin arziki ta hanyar hukunta albarkatun da ke haifar da kirkire-kirkire da wadata na dogon lokaci. 

Bahnsen ya nuna goyon bayansa ga manufofin cinikayya na 'yanci kuma ya yi suka ga manyan harajin kariya, yana mai jayayya cewa suna aiki a matsayin haraji kai tsaye ga masu amfani da kayayyaki kuma suna shigar da rashin tabbas mara amfani a kasuwannin kuɗi. Ya dage cewa harajin ba su da tasiri wajen dawo da gasa a masana'antu na cikin gida kuma ya yi iƙirarin cewa musayar da ke kan kasuwa, maimakon tsoma bakin gwamnati, ita ce ginshiki mafi inganci ga ci gaban tattalin arziki. A cikin shirin The Bulletin for Christianity Today, ya yi jayayya cewa ƙara harajin a matsayin tuba ga bauta da aikin yara kuskure ne kuma ba ya yin komai don magance rashin ɗabi'ar da kuma dakatar da ita. Ya ce harajin a gwamnatin Trump ta biyu ya ɓatar da masu amfani da kayayyaki da gangan don su yi imani cewa za su haifar da yin kayayyaki kamar takalman Nike a Amurka.

### Fafutukar masu hannun jari na Debanking da JPMorgan Chase
A shekarar 2023, Bahnsen ya shiga fafutukar kare hakkin masu hannun jari . Ya gabatar da wani kudiri ga JPMorgan Chase wanda ke kira ga bankin ya tantance ko manufofinsa da ayyukansa suna haifar da barazanar nuna wariya ga abokan ciniki ko ma'aikata bisa ga addini ko ra'ayin siyasa. Ya soki bambancin ra'ayi, daidaito, da hada kai (DEI) da manufofin muhalli, zamantakewa, da shugabanci (ESG) a matsayin wadanda ke ba da damar nuna wariya. Ya yi jayayya cewa manyan cibiyoyin kudi ba su da isassun kariya daga rage darajar banki bisa ra'ayi. Ya yi ikirarin cewa rufe asusun ajiya da dama masu daraja ya nuna babbar matsala ta nuna son kai a fannin kudi.  Bayan Chase ya nemi a cire shawararsa, Hukumar Tsaro da Musayar Kudi ta bukaci bankin ya ba shi damar ci gaba da kada kuri'ar masu hannun jari,  wani ci gaba da Bahnsen ya bayyana a matsayin babbar nasara ga gaskiya da rikon amana.  Chase ya bukaci masu hannun jari da su kaurace wa kudirin.  Ma'aikatan ma'aji na jihar 14 da kuma manyan lauyoyin jiha 19 daga jihohi masu rinjayen 'yan Republican sun rubuta wa shugabannin Chase wasiku suna zargin bankin da rufe asusun ajiya da kuma nuna wariya ga abokan ciniki bisa ga ra'ayoyin siyasa da na addini, suna ambaton rufe Kwamitin 'Yancin Addini na Kasa wanda aka tantance shi da tambayoyi na addini da na siyasa kafin a mayar da shi bakin aiki.   Chase ya musanta cewa ya shiga cikin rufe asusun bisa ga ra'ayoyin addini ko na siyasa. 

A shekara mai zuwa, bayan da shawarar ta sami amincewar kashi 2.3% kacal,  Bahnsen ya ɗauki hayar wani mai ba da shawara kan asusun, Jerry Bowyer, don sake gabatar da shawarar. Wata ƙungiya ta biyu, Alliance Defending Freedom (ADF), ta lura da canji ga sharuɗɗan WePay na Chase, wanda ya sa Bahnsen da Bowyer suka janye shawarar. Sharuɗɗan yaren sun hana biyan kuɗi waɗanda suka cika sharuɗɗan "hadarin zamantakewa", waɗanda aka ayyana a matsayin "wanda ke ƙarƙashin zarge-zarge da tasirin da suka shafi ƙungiyoyin ƙiyayya, wariyar launin fata ta tsarin, cin zarafin jima'i da al'adun kamfanoni." Chase ya ce yaren ya samo asali ne daga 2017 lokacin da ya sayi WePay.  ADF ta yi aiki tare da 'yan majalisar dokokin Tennessee don kafa doka da ta hana ɓarnar banki bisa ra'ayi, doka ta farko irinta a Amurka.  Dokar ta fara aiki a ranar 1 ga Yuli, 2024. 

A farkon shekarar 2025, bayan da Bahnsen da Bowyer suka gabatar da wani kudiri na uku na masu hannun jari game da ayyukan da ake zargin sun aikata, Chase ya yi jayayya cewa dokokin hana halatta kudaden haram su ne suka jawo raguwar darajar bankuna, ba wariya ba.  A watan Maris, Chase ta amince ta kara bayyanannun kalamai ga manufofinta don ta ce "ba ta lamunci wariya ba ... bisa ga ... addini, alaƙar addini, ko ra'ayoyin addini ... ra'ayoyin siyasa, magana, ko alaƙa," kafin watan Yuli na wannan shekarar. An sake janye shawarar masu hannun jari.  A watan Agusta, Shugaba Donald Trump ya sanya hannu kan wata doka ta zartarwa da ke umurtar masu kula da harkokin tarayya da su binciki tare da hukunta bankuna saboda zargin wariya ga masu ra'ayin mazan jiya bisa ga alaƙar addini ko siyasa.   , Chase na fuskantar bincike kan manufofinta na rage darajar bankuna, wanda suka ce suna da cikakken haɗin gwiwa da shi.  

Cibiyar Lauyoyin Talauci ta Kudu (SLPC) ta soki labarin da ya shafi bankuna, tana mai jayayya cewa ya ƙunshi ka'idar makirci da ƙungiyoyin masu mulkin mallaka na Kirista waɗanda Bahnsen ke jagoranta suka gabatar, wanda suka siffanta shi a matsayin mai fifita Kiristanci wanda ke da alaƙa da ƙungiyoyin ƙiyayya. A cewar SPLC, iƙirarin nuna wariya ga Kiristoci masu ra'ayin mazan jiya na banki ya dogara ne akan shari'o'in da ba a taɓa gani ba kuma yana yin watsi da musantawar bankuna da dokokin hana nuna wariya da ke akwai. SPLC ta soki musamman Bahnsen saboda rashin bayyana rawar da yake takawa a shirin ADF na Ra'ayin Bambancin Ra'ayi lokacin da yake gabatar da shawarwari waɗanda suka ambaci shirin iri ɗaya.  *[[New York Times|Jaridar New York Times]]* ta rubuta cewa masu suka suna kallon labarin da ya shafi bankuna a matsayin da'awar da ba ta da tushe ba ta siyasa kuma ba ta da tushe ba ta akida kuma misalai galibi suna nuna shawarwarin bin ƙa'ida na yau da kullun maimakon nuna wariya da aka yi niyya.  Wani bincike na 2025 a cikin The  ya ce umarnin zartarwa na Trump ya haifar da yuwuwar ɗaukar matakan aiwatarwa, amma masu kula da harkokin kuɗi na iya fuskantar manyan ƙalubale na shari'a saboda dokokin da ke akwai ba sa rufe rufe asusun da ke da alaƙa da siyasa. 

## Littattafai da aka zaɓa

* 
* 
* 

## Ganewa

* Manyan Masu Ba da Shawara 300 a Amurka, *Financial Times*, 2017 
* Manyan Masu Ba da Shawara 250, Na Ƙasa, *Forbes*, 2025 
* Babban Mai Ba da Shawara, California, *Forbes*, 2025 
* Manyan Mashawarta 1200 na Amurka, ta jiha, *Barron's*, 2014–2025 
* Manyan Masu Ba da Shawara 100 na Amurka, *Barron's*, 2025 (83) 

## Manazarta