Jari-hujja

**Jari-hujja** tsarin tattalin arziki ne da ya ginu bisa kebantaccen ikon mallakar hanyoyin samarwa da harkoki kawai don samun riba.     Siffofin jari-hujja na tsakiya sun haɗa da tara jari, kasuwanni masu gasa, tsarin farashi, kadarori masu zaman kansu, sanin haƙƙin mallaka, musayar ra'ayi, da aikin albashi.   A cikin tattalin arzikin kasuwa, yanke shawara da saka hannun jari ana ƙaddara ta masu mallakar dukiya, dukiya, ko ikon sarrafa babban jari ko ikon samarwa a kasuwannin jari da kasuwannin kuɗi, yayin da farashin da rarraba kayayyaki da sabis ke ƙayyadewa ta hanyar gasa a cikin kayayyaki da kasuwannin sabis. 

Masana tattalin arziki, masana tarihi, masana tattalin arziki na siyasa da masana ilimin zamantakewa sun ɗauki ra'ayoyi daban-daban a cikin nazarin tsarin jari-hujja kuma sun gane nau'ikansa iri-iri a aikace. Wadannan sun hada da *laissez-faire* ko jari-hujja na kasuwa kyauta, anarcho-capitalism, jari-hujja na jiha da jari-hujja. Siffofin jari-hujja daban-daban suna da nau'o'in nau'i daban-daban na kasuwanni masu 'yanci, mallakar jama'a,  cikas ga gasa ta kyauta da manufofin zamantakewar da jihohi suka amince da su. Matsayin gasa a kasuwanni da rawar shiga tsakani da tsari gami da iyakokin ikon mallakar jihohi sun bambanta a nau'ikan tsarin jari-hujja.   Matsakaicin yadda kasuwanni daban-daban suke da 'yanci da kuma ka'idojin da ke bayyana kadarorin masu zaman kansu al'amura ne na siyasa da siyasa. Yawancin tattalin arziƙin jari-hujja da ake da su haɗaɗɗun tattalin arziƙi ne waɗanda ke haɗa abubuwa na kasuwanni masu 'yanci tare da shiga tsakani na jihohi kuma a wasu lokuta shirin tattalin arziki. 

Tattalin arzikin kasuwa ya wanzu a ƙarƙashin nau'ikan gwamnati da yawa kuma a lokuta daban-daban, wurare da al'adu daban-daban. Ƙungiyoyin jari-hujja na zamani sun bunƙasa a Yammacin Turai ta hanyar da ta kai ga juyin juya halin masana'antu. Tsarin jari-hujja tare da matakai daban-daban na shiga tsakani na gwamnati tun daga lokacin suka zama masu rinjaye a yammacin duniya kuma suna ci gaba da yaduwa. Haɓakar tattalin arziƙi wata dabi'a ce ta tattalin arzikin jari-hujja.

## Asalin kalma

Kalmar "'yan jari hujja", ma'ana mai mallakar babban jari, ya bayyana a baya fiye da kalmar "jari-hujja" kuma kwanan wata zuwa tsakiyar karni na 17. "Capitalism" an samo shi daga capitale, wanda ya samo asali daga , kalmar late Latin  bisa , ma'ana "kai"  wanda kuma shine asalin "chattel" da "cattle" a ma'anar dukiya mai motsi (kawai daga baya kawai a koma ga dabbobi kawai).  ya fito a cikin karni na 12 zuwa 13 don yin nuni ga kudi, hannun jari, adadin kudi ko kudin da ke ɗauke da riba.   A shekara ta 1283, an yi amfani da shi a cikin ma'anar babban kadarorin kamfani na kasuwanci kuma sau da yawa ana musanya shi da wasu kalmomi-dukiya, kudi, kudi, kaya, dukiya, kadara da sauransu.  

*Hollantse (German) Mercurius* yana amfani da "'yan jari-hujja" a cikin shekarun 1633 da 1654 don komawa ga masu mallakar jari.  A cikin kalmar Faransanci, Étienne Clavier ya yi magana game da *<nowiki/>'yan jari-hujja* a cikin shekarar 1788,  shekaru hudu kafin yin amfani da Ingilishi na farko da Arthur Young yayi a cikin aikinsa *Travels a Faransa* (1792).   A cikin *ka'idojin tattalin arziki na siyasa da haraji* (1817), David Ricardo ya yi nuni ga "dan jari hujja" sau da yawa.  Mawaƙin Ingilishi Samuel Taylor Coleridge ya yi amfani da “dan jari hujja” a cikin aikinsa *Table Talk* (1823).  Pierre-Joseph Proudhon ya yi amfani da kalmar a cikin aikinsa na farko, *Menene Dukiya?* (1840), don komawa ga masu babban jari. Benjamin Disraeli yayi amfani da kalmar a cikin aikinsa na 1845 *Sybil*. 

Fara amfani da kalmar "jari-hujja" a ma'anarta ta zamani an danganta shi ga Louis Blanc a cikin shekarar 1850 ("Abin da na kira 'jari-hujja' wato a ce rabon jari da wasu ke ware wasu) da kuma Pierre-Joseph Proudhon. a cikin shekarar 1861 ("Tsarin tattalin arziki da zamantakewa a cikin abin da babban jari, tushen samun kudin shiga, ba ya zama na wadanda suka yi aiki ta hanyar aikin su").  Karl Marx akai-akai yana magana akan " capital" da kuma "yanayin samar da jari hujja" a *Das Capital* (1867).   Marx bai yi amfani da tsarin *jari-hujja* ba amma a maimakon haka ya yi amfani da babban jari, *tsarin jari-hujja* da *tsarin jari-hujja*, wanda ke bayyana akai-akai.   Saboda kalmar da masu sukar tsarin jari-hujja suka kirkiro kalmar, masanin tattalin arziki kuma masanin tarihi Robert Hessen ya bayyana cewa kalmar "jari-hujja" ita kanta kalma ce ta disparagement da kuskuren tattalin arziki.  Bernard Harcourt ya yarda da bayanin cewa kalmar ba ta dace ba, ya kara da cewa a cikin kuskure yana nuna cewa akwai wani abu kamar "jari" wanda ke aiki a wasu hanyoyi kuma ana tafiyar da shi ta hanyar tabbatattun dokokin tattalin arziki na kansa. 

A cikin harshen Ingilishi, kalmar "jari-hujja" ta fara bayyana, bisa ga kamus na *Oxford English Dictionary* (OED), a cikin shekarar 1854, a cikin *novel The Newcomes* by marubuci William Makepeace Thackeray, inda kalmar ke nufin "mallakar jari".  Har ila yau, bisa ga OED, Carl Adolph Douai, Ba'amurke dan gurguzu da abolitionist, ya yi amfani da kalmar "hanyar jari-hujja" a cikin shekarar 1863.

## Manazarta