Xog #13 – Farriin Nafaqada (Soomaali)

Task #13 – Financial Literacy (Somali)

 

Maaliyada Mareykanka waxay ku macaamilaysaa dad badan oo cusub (iyo shabaqaalaha dhalinyarada). Inta badan waxa loo bixiyaa dugsiga maaliyadda oo ay si toos ah isticmaalaan wasaaradda maamulka xarunta, laakiin waxa laga yaabaa in afka Ingiriisiga uu yahay mid sare oo lagu jiro dadka soo socda Mareykanka. Kuwa keliya, waxaa laga yaabaa in lagu helo dugsiyada farriinta maaliyadda waxay ku talinayaan afka Ingiriisiga kuwa keliya, waxayna ku jirto qof walbana soo gaarey Mareykanka. Ka qaybinta Tababka A – waa liiska ereyada maaliyadda iyo qaar ka mid ah su’aalaha/efrigga oo lagu isticmaalo si loo garsooro qoraallo cusub iyo isku dayo oo la helo ereyada/erayada muhiimka ah.

U.S. Finances can be very confusing for most newcomers (and young adults).  While there will be financial literacy classes provided by resettlement agencies, usually, the English level is rather high for persons who are just arriving in the United States.  Attached at Tab A – is a list of financial vocabulary and some questions/sentences that can be used to familiarize newcomers and volunteers with necessary words/terms. 

 

Marka la isticmaalo dadaalkeenna ee Ingiriisiga ka hor (ESL), waa in lagu baahanyahay waqtiga iyo wadajirka. Iskutallaabeyaasha cusub waxay ku xiran tahay shaqada muhiimka ah ee ka qaybqaadashada hawlooyinka maaliyadeed. Tababka B waa tababar farriinta maaliyadda oo loo adeegsaday Dhamaystirka Caalamiga ah. Tababka C waa tababar Maamulka Lacagta oo loo isticmaalo Wasaaradda Qoyska Luudiga, Tababka D Farriinta Nafaqada – Koronto ee maaliyadeedagaaga.

As with all English as a Second Language (ESL) efforts, time and practice are needed. Newcomer volunteers can play a key role in helping newcomers navigate financial issues.  At Tab B is a sample financial literacy class used by the World Food Program.  Tab C is a Money Management class used by Lutheran Family Services and Tab D Financial Literacy – Building up your assets. 

 

Fikradda dheeraha. Furista xisaab banka waxa uu awood u yeelan doonaa hawlgalka raadinta shaqooyinka. Wax badan oo shirkadaha waxay doonayaan inay gasho banko ku leh inay raadiso lacagtan siiyay ee shaqada. Sidoo kale, inay leedahay warqad kaarka xisaabta ee dhanka waqtiyada ah waxa uu laga isticmaali karaa xaqiijinta cimilada loo qabo qaababka kala duwan: 1) SSN, 2) Diiwaangelinta Ardayda Dugsiga sare/guud, 3) Shuruudaha iibsiga iyo cayayaan, 4) Laysansiyada milateri (oo ku jira qaar ka mid ah gobollada) iyo adeegyo kale.

Some quick thoughts.  Opening a bank account will be necessary for the job seeking process.  Many businesses will want to make a direct deposit to a bank account for regular wages.  Also having a local bank account statement can be used to verify addresses for various applications: 1) SSN, 2) Student Enrollment in primary/high schools, 3) Rental Leasing agreements, 4) Drivers licenses (in some states) and other services. 

Haddii aad tahay qofka SNAP (cunto) leh, kaarka daynta (EBT) ayaa lagu soo saarayo inta la helo lacag ama sheekad. Fahamsashada kala duwan ee kaarka daynta, kaarka horumarka, iyo taariikhda horumarka maaliyadeed waa ballaadhan marka la bilaabo dadka cusub.

If you are a SNAP (food stamp) recipient a debit card (EBT) will be issued rather than a check/cash.  Understanding the differences between debit cards, credit cards and credit history are great start points for newcomers. 

Websiteska la xiriira

1. Ka fiirso warbixinno kale oo laga helayo tababarka farriinta nafaqada ee qaxootiga – https://www.uncdf.org/article/5690/financial-literacy-training-toolkit-for-refugees
2. Dunida (Maaliyadda) Mashaariic: Barashada Qaxootiga Sida Lacag u Maamusho – https://centsai.com/smarter-money/financial-literacy/teaching-refugees-how-to-manage-money/

Related Websites

1. Financial Literacy Training Toolkit for Refugees – https://www.uncdf.org/article/5690/financial-literacy-training-toolkit-for-refugees
2. A Whole New (Financial) World: Teaching Refugees How to Manage Money – https://centsai.com/smarter-money/financial-literacy/teaching-refugees-how-to-manage-money/