Steve Eisman

**Steven Eisman** / / ˈaɪsmən / EYE - EYE ; an haife shi a ranar 8 ga Yuli, 1962) ɗan kasuwa ne kuma mai saka hannun jari ɗan Amurka wanda aka san shi da rage wajibcin bashi (CDOs), don haka yana cin gajiyar rugujewar kuɗaɗen gidaje na Amurka a 2007-2008 .

## Rayuwar farko, ilimi, da iyali
Eisman ya girma a birnin New York, inda ya halarci makarantun Yeshiva . &#x5B; ** &#x5D; Ya halarci Jami'ar Pennsylvania, inda ya kammala karatun digiri na magna cum laude a shekarar 1984.  Daga nan ya kammala karatunsa daga Makarantar Shari'a ta Harvard da girmamawa. Iyayensa suna aiki a fannin kuɗi; dillalai ne na Oppenheimer Holdings . Eisman bai ji daɗin aikinsa na lauya ba. Iyayensa sun shirya masa aiki a Oppenheimer yana aiki a matsayin mai nazarin daidaito. Dokokin hana nuna bambanci na Oppenheimer sun buƙaci iyayensa Elliott da Lillian su biya shekarar farko ta albashinsa.  

## Sana'a

### Abokan Hulɗa na FrontPoint
Eisman ya shahara wajen yin fare kan basussukan da aka jingina a Greenwich, Connecticut, wani reshe na Morgan Stanley . A shekarar 2010, ya mallaki fiye da dala biliyan 1 don FrontPoint. Eisman ya bar FrontPoint Partners a shekarar 2011 a lokacin da masu zuba jari suka janye daga harkar kasuwancinsa bayan binciken da aka yi wa manajan sashen kula da lafiya Chip Skowron (wanda ke gudanar da harkokinsa daban da Eisman) na cinikin da aka yi ba bisa ka'ida ba. 

Eisman ya samu karbuwa bayan Michael Lewis ya ba shi suna a cikin littafinsa na 2010 mai suna *The Big Short: Inside the Doomsday Machine* *.* A cikin fim ɗin da Lewis ya shirya a shekarar 2015, an canza sunan Eisman zuwa "Mark Baum", kuma ɗan wasan kwaikwayo Steve Carell ne ya nuna shi. 

### Abokan Hulɗa na Emrys
A watan Maris na 2012, Eisman ya kafa Emrys Partners da jarin dala miliyan 23.  Asusun bai yi aiki sosai ba a shekarar 2012, inda ya dawo da kashi 3.6% kuma ya gaza yin aiki yadda ya kamata a kasuwar.  Ya yi kyau a shekarar 2013, inda ya dawo da kashi 10.8% amma har yanzu bai yi aiki yadda ya kamata ba a kasuwar.   A watan Yulin 2014, ya sanar da cewa zai rufe asusun, yana mai bayyana shawararsa ta hanyar cewa "yin shawarwari kan saka hannun jari ta hanyar duba muhimman abubuwan da suka shafi kamfanoni daban-daban ba wani sabon falsafar saka hannun jari ba ne." Asusun ya mallaki kadarori kimanin dala miliyan 185 a lokacin da aka rusa shi.  Emrys Partners ya daina aiki a tsakiyar shekarar 2014. 

### Neuberger Berman
A watan Satumba na 2014, Eisman ya shiga Neuberger Berman a matsayin manajan darakta kuma manajan fayil na Eisman Group a cikin sashin Gudanar da Kadarorin Sirri na Neuberger Berman. Ƙungiyar, wacce abokan hulɗa ke gudanarwa ciki har da iyayen Steve, Elliott da Lillian Eisman, tana kula da fayil ɗin hannun jari na abokan ciniki masu arziki.

An dakatar da Eisman daga Neuberger Berman a watan Satumba na 2024 bayan wani rubutu mai cike da ce-ce-ku-ce da ya yi a shafinsa na Twitter inda ya yi murnar rugujewar Gaza .  

### Podcast
A shekarar 2025, Eisman ta fara wani shiri na mako-mako mai suna "The Real Eisman Playbook," wanda ake samu a YouTube da kuma dandamali daban-daban na yaɗa sauti. 

### Yaƙin neman zaɓe a kan kwalejoji masu neman riba
A lokacin gabatar da wani jawabi a taron bincike kan zuba jari na taron Ira Sohn na 2010, Eisman ya nuna damuwa game da masana'antar ilimi mai riba .  A cikin gabatar da jawabinsa, Eisman ya yi suka sosai ga kamfanonin da ke gudanar da kwalejoji masu riba, kamar Apollo Education Group, Corinthian Colleges, Education Management Corporation, da ITT Educational Services, yana kwatanta ayyukan ba da rance da abin da ya gani daga masana'antar jinginar gida mai ƙarancin daraja a tsakiyar matsalar gidaje :  Har zuwa kwanan nan, na yi tunanin cewa ba za a sake samun damar shiga cikin masana'antar da ke lalata al'umma da kuma fatara ta ɗabi'a kamar masana'antar jinginar gida ta ƙasa ba. Na yi kuskure. Masana'antar ilimi mai riba ta tabbatar da daidaito da aikin. Bayan da Ma'aikatar Ilimi ta Amurka ta ɗauki mataki don ƙarfafa nau'ikan ƙa'idoji daban-daban na kare masu amfani a 2009-10,  masana'antar neman riba ta mayar da martani ta hanyar zargin Eisman da yunƙurin yin tasiri ga gwamnati ba bisa ƙa'ida ba tare da bin ƙa'ida ba tare da yin kira da a gudanar da bincike. Zarge-zargen sun samo asali ne daga wani taro da Eisman ya yi da jami'an Ma'aikatar Ilimi David Bergeron da Robert Shireman, makonni biyu kafin ya gabatar da jawabinsa a taron Ira Sohn. Shireman shi ne ke kula da ƙoƙarin sa ido na ma'aikatar, wanda ya fara fiye da shekara guda da ta gabata.   Sufeto Janar na hukumar, bayan wani bita, ya kammala da cewa "ba a bayyana bayanai masu mahimmanci da jami'an Ma'aikatar suka yi ba a cikin sadarwa da ɓangarorin waje." 

Bayan ya bayar da shaida ga Kwamitin Lafiya, Ilimi da Aiki na Majalisar Dattawa kan matsalolin da suka shafi manyan makarantu masu neman riba, ƙungiyoyi masu ci gaba kamar Citizens for Responsibility and Ethics in Washington (CREW) sun soki Eisman bisa dalilin cewa zai ci gajiyar ƙa'idodi da aka tsara saboda ƙarancin matsayinsa a kan kwalejoji masu zaman kansu.  Daga baya an gano cewa CREW yana karɓar kuɗi daga wani wanda ya kafa Jami'ar Phoenix mai neman riba.   Harris Miller, shugaban ƙungiyar masu fafutukar kare haƙƙin jama'a da ke wakiltar kwalejojin neman riba ya ce game da shi, "Eisman mutum ne mai son kai wanda ya sami sa'a. Yana cikin kasuwancin lalata suna na kamfanoni don ya sami kuɗi lokacin da farashin hannayen jarinsu ya faɗi." 

A ƙarshen shekarar 2018, bayan binciken gwamnati da kafofin watsa labarai sun fallasa ayyukan cin zarafi, ciki har da zamba wajen yin rajista, ayyukan Corinthian da Educational sun ƙare, bayan sun daina aiki, saboda raguwar rajista da rashin cancantar ci gaba da shiga cikin shirye-shiryen lamunin ɗalibai da gwamnati ke tallafawa. Daga baya Ma'aikatar Ilimi ta Amurka ta yafe bashin ɗalibai sama da rabin miliyan da ke da alaƙa da shirye-shiryen Corinthian.

### Yaƙin Gaza na 2023
A ƙarshen shekarar 2023, a lokacin yaƙin Gaza, Eisman ya nemi a cire sunan iyalinsa daga tallafin karatu a jami'ar karatunsa, Jami'ar Pennsylvania, a martanin da ya bayyana a matsayin ra'ayoyin ƙiyayya ga Yahudawa da aka bayyana a lokacin zanga-zangar goyon bayan Falasɗinawa. Da yake magana da CNBC, ya ce duk wani ɗalibi da ya "ɗaga wata alama da ke cewa 'yantar da Falasɗinawa daga kogi zuwa teku ' ya kamata a kore shi." 

A ranar 20 ga Satumba, 2024, Eisman ya mayar da martani ga wani bidiyo da aka nuna a X wanda ke nuna kona tantuna na 'yan Gaza da suka rasa matsuguni bayan wani harin sama na Isra'ila, wanda aka rubuta "Kururuwar Falasdinawa da rai. Ana yin kisan kiyashi a gaban idanunmu kuma duniya ta yi shiru." Eisman ya rubuta, "Dole ne kuna wasa. Ba mu yi shiru ba. Muna murna." Daga baya ya nemi afuwa game da kalamansa kuma ya goge asusun X ɗinsa, amma an sanya shi a matsayin hutu na dindindin daga Neuberger Berman.   

## Rayuwa ta sirri
Ya auri Valerie Feigen tun 1989. [1] An nuna Valerie a cikin fim ɗin The Big Short a ƙarƙashin sunan Cynthia, na Marisa Tomei . Feigen, wacce ta yi aiki a JP Morgan, ta ce game da mijinta, "Ko a Wall Street, mutane suna tunanin cewa shi mai rashin kunya ne kuma mai girman kai." Duk da cewa Eisman ya san halinsa na rashin kunya, amma da alama bai damu da hakan ba. Ya taɓa cewa wa mai yin hira kan wannan batu, "Ina mantawa da kaina wani lokacin."

Ɗan fari na Eisman, Max, ya mutu bayan da mai kula da lafiyarsa ta dare ta birgima a kansa tana barci. Eisman da mutanen da suka san shi sosai sun bayyana mutuwar ɗansa a matsayin wani abu mai matuƙar tasiri wanda ya shafe shi ta hanyoyi da dama.

## Manazarta