Cheque
Ka Halbeeg, ensaykloobediyada furan · In English
1 luqadood
Cheque waa dukumenti qoran oo qofka lacagta bangiga ku leh (bixiyaha) ugu amraya bangigiisa in uu qadar lacag gaar ah siiyo qof kale ama shirkad kale. Waa qalab lacag-bixin ah oo kaas oo lacagta ka soo baxda akoon (xisaab bangi) oo horay u jiray, halkii ay noqoto lacag caddaan gacanta lagu wareejiyo.
Cheque-ga wuxuu inta badan ku qoran yahay foom bangigu horay u daabacay oo buug-cheque ah. Foomka waxaa ku yaal magaca bangiga, nambarka akoonka, nambarka cheque-ga, meel lagu qoro taariikhda, magaca qofka lacagta loo bixinayo, qadarka lacagta oo tiro iyo eray ah, iyo saxeexa qofka akoonka leh. Saxeexa ayaa aasaas u ah in bangigu aqbalo amarka.
Dhinacyada ku lug leh
Saddex dhinac ayaa caadi ahaan ku lug leh: bixiyaha (drawer) oo cheque-ga qora oo akoonka leh; bangiga (drawee) oo lacagta hayo oo amarka fuliya; iyo qofka lacagta loo bixinayo (payee). Marka qaar ah, payee-ga wuxuu cheque-ga u wareejin karaa qof saddexaad haddii cheque-gu tahay mid la wareejin karo, taasna waxaa lagu sameeyaa saxeex dhabarka lagu duubo (endorsement).
Noocyada iyo xakameynta
Cheque-yada waxaa loo kala saaraa siyaabo dhowr. Cheque caddaan ah (bearer) waxaa lacagta lagu siin karaa qofkii keena, halka cheque amar ah (order) uu u baahan yahay in payee-ga la caddeeyo. Cheque la 'xardhay' ama 'crossed' ah — laba xariiq oo barbar socda oo geeska sare lagu sameeyay — lacagta caddaan ahaan lama qaadan karo, ee waa in akoon lagu dhigo. Cheque taariikh mustaqbal ah (post-dated) lama fulin karo ilaa taariikhdaas ka hor. Bangiyada qaar waxay bixiyaan cheque bangigu naftiisa soo saaray, oo aamin badan leh.
Habka la wareejinta lacagta
Marka payee-gu cheque-ga geeyo bangigiisa, bangigu wuxuu u gudbiyaa nidaam kala-saariddu (clearing) oo bangiyada dhexdooda ah. Bangiga bixiyaha ayaa hubiya saxeexa, taariikhda iyo in akoonku lacag ku filan leeyahay. Haddii lacagtu ku filnayn, cheque-gu wuxuu soo laabtaa oo loo yaqaan cheque diidmo ah (dishonoured ama 'bounced'), taasna sharciyada dalal badan waxay ku xiraan ganaax ama dacwad. Habraacyada casriga ah waxay isticmaalaan sawir dijitaal ah oo cheque-ga (cheque truncation) halkii warqadda laftiisa la wareejiyo.
Meeshuu maanta ka joogo
Isticmaalka cheque-yada wuu yaraaday dalal badan, sababtoo ah kaararka bangiga, wareejinta elektaroonigga ah iyo nidaamyada lacag-bixinta moobilka ayaa ka degdeg badan oo qiimo yar leh. Si kastaba, cheque-yada wali waxaa loo isticmaalaa mushahar, kirada, heshiisyada ganacsi weyn iyo meelaha uu diiwaan qoran muhiim yahay. Waddamo qaar cheque-gu weli wuxuu leeyahay awood sharci ah oo caddayn ah in lacag la bixiyay.