Meredith Whitney

**Meredith Ann Whitney** (an haife ta a ranar 20 ga Nuwamba, 1969)  'yar kasuwa ce kuma mai sharhi kan harkokin kuɗi. An san ta da nasarar yin hasashen rikicin kuɗi na 2008,  kuma *Bloomberg* ta yi mata lakabi da "The Oracle of Wall Street".

## Ilimi da aiki
Whitney ta girma a Bethesda, Maryland .  Ta kammala karatunta daga Makarantar Madeira a shekarar 1987, kafin ta halarci shekarar kammala karatunta a Makarantar Lawrenceville, inda ta zama memba na ajin farko na kammala karatunta na co-ed. Ta kammala karatunta da girmamawa daga Jami'ar Brown  a shekarar 1992 tare da digiri na farko a tarihi. 

Whitney ta shiga Oppenheimer Holdings a shekarar 1993 a matsayin darakta, kuma a shekarar 1995 ta shiga ƙungiyar kuɗi ta musamman ta kamfanin. A shekarar 1998, ta bar Oppenheimer ta zama babbar darakta a Wachovia . Whitney ta koma Oppenheimer a shekarar 2004, inda ta yi bincike kan bankuna da dillalai a matsayin babbar darakta. Ta yi murabus daga Oppenheimer a ranar 19 ga Fabrairu, 2009, don kafa kamfaninta, Meredith Whitney Advisory Group (MWAG), inda ta samar da binciken hannun jari na musamman kan kamfanoni kan cibiyoyin kuɗi da kuma nazarin yanayin aiki na ɓangaren. 

A shekarar 2013, Whitney ta cire rajistar MWAG   kuma ta fara asusunta na hedge, Kenbelle Capital LP. 

A watan Disamba na 2015, ta shiga kamfanin inshora na Bermudian Arch Capital Group a matsayin manaja mai kula da kamfanonin saka hannun jari na waje. 

Daga 2021–2022 Whitney ta kasance CFO na Kindbody, wani kamfanin kiwon lafiya da fasaha mai ci gaba sosai. 

Bayan shekaru 10 na rubuta aikinta na ƙarshe, a shekarar 2023 ta sake ƙaddamar da kamfaninta mai suna Meredith Whitney Advisory Group, wanda ya ƙware a  binciken saka hannun jari mai mayar da hankali kan manyan da dabarun.

## Ganewar ƙwararru
Whitney ta fitar da wani rahoto na bincike mai cike da rashin bege amma daidai, game da Citigroup a ranar 31 ga Oktoba, 2007, wanda masu sharhi da yawa na Wall Street, da kuma kafofin watsa labarai, suka mai da hankali a kai. Ta lura cewa ribar da bankin ya bai wa masu zuba jari ya fi ribar da ya samu a wancan lokacin, kuma ta tabbatar da cewa hakan zai haifar da fatara.  Jim kaɗan bayan buga rahoton da kuma raguwar hannun jarin Citigroup, Charles Prince ya yi murabus a matsayin shugaban bankin kuma magajinsa ya rage ribar.   A farkon wannan shekarar, mujallar *Forbes* ta lissafa Whitney a matsayin ta biyu mafi kyawun mai zaɓar hannun jari a masana'antar kasuwar jari.  Hannun jarin Citigroup sun rasa kashi 97% na darajarsa a farkon 2009. 

Ra'ayin Whitney game da bankuna ya jawo ta a shafin mujallar  na ranar 18 ga Agusta, 2008. Ko kafin matsalolin da suka faru da Merrill Lynch da Lehman Brothers a watan Satumba, ta ce, "Ina jin kamar ina kan gaba a cikin babbar matsalar kuɗi a tarihi."  A wannan shekarar, *Fortune* ta sanya ta cikin "Mata 50 Mafi Ƙarfi a Kasuwanci",  *Jaridar New York Post* ta saka ta cikin "Mata 50 Mafi Ƙarfi a Birnin New York",  kuma wani bincike da masu kallo na CNBC suka yi ya sanya ta a matsayin "Mai Ƙarfi na Shekara" fiye da Jamie Dimon, Ben Bernanke, da Hank Paulson . 

A ranar 19 ga Disamba, 2010, a wata hira da aka yi da shi a shirin talabijin na CBS *mai suna 60 Minutes*, Whitney ta bayyana cewa daga gundumomi, birane, da garuruwa 50 zuwa 100 a Amurka za su sami "mahimmancin" kuɗaɗen jinginar gida na ƙananan hukumomi da jimillarsu ta kai "ɗaruruwan biliyoyin daloli", kuma "zai zama abin damuwa a cikin watanni 12 masu zuwa."  Tunda adadin da ya fi yawa na kuɗaɗen jinginar gida na ƙananan hukumomi a cikin shekara guda ya kai sama da dala biliyan 8 a lokacin, kalaman Whitney game da ɗaruruwan biliyoyin kuɗaɗen jinginar gida sun girgiza kasuwa na ɗan lokaci kuma sun jawo hankali sosai, yawancinsu suna da mahimmanci.   A cewar Michael Lewis a cikin *Vanity Fair* : "Yawancin labaran da suka kai mata hari sun zarge ta da yin wani hasashen musamman - har zuwa ɗaruruwan kurakurai a cikin shekara guda! - wanda ya kasa cika... Amma ba haka ta faɗa ba kwata-kwata: an ɓata kalmominta don a iya kai mata hari cikin sauƙi. 'Tana magana ne game da rashin gamsuwar hukumomin kimantawa da masu ba da shawara kan saka hannun jari waɗanda suka ce babu abin damuwa a kai,' in ji wani mutum a *60 Minutes* wanda ya sake duba bayanan hirar a gare ni, don tabbatar da na ji abin da na yi tunanin na ji. Ta ce akwai abin damuwa a kai, kuma zai bayyana ga kowa a cikin watanni 12 masu zuwa." 

"Labarin Amurkawa biyu yana fitowa: ɗaya ya yi ta fama da bashi kuma yana fuskantar ci gaban tattalin arziki na de minimis da kuma wani cike da damammaki da basira don saka hannun jari a nan gaba." Wannan shine rubutun Whitney na 2013, Fate of the States: The New Geography of American Prosperity.  Ta yi jayayya cewa "sabon taswirar wadata" yana bayyana ne bayan faduwar kuɗi, inda ayyuka ke ƙaura daga bakin teku zuwa jihohi 17 na "tsakiya" a Midwest da Mountain West.

Har yanzu dai akalla wani mai sharhi yana ɗaukar takardar shaidar bashi ta Whitney a matsayin mai inganci. A watan Janairun 2018, S&P Global ta buga wani bincike da Mercer Capital ta yi mai taken "Meredith Whitney Har Yanzu Tana Da Daidai."

## Rayuwa ta sirri
A ranar 12 ga Fabrairu, 2005, Whitney ta auri ƙwararren ɗan kokawa John Layfield a Key West, Florida . Layfield tsohon ƙwararre ne a kokawa, kuma abokin aikinsa ne a tashar Fox News . 

## Manazarta