Connect with us

KIMIYYA

Huldar Kudi Ta PoS Na Kara Bunkasa A Nijeriya – Bincike

Published

on

Binciken da aka gudanar kwanan nan ya nuna cewa, yan Nijeriya sun gudanar da hulda kudi ta fasahar nan mai suna PoS har na Naira Tiriliyan 1.82 a cikin wata 10 na wanna shekarar.
Wadannan huldar an gudanar da su ne daga cibiyoyi 200,239 na PoS dake a baje a fadin kasar nan, wadanda ‘yan kasuwa ke gudanarwa tare da taimakon bankunan kasuwanci, kamar da yadda bayanai daga hukuma mai kula da harkoki a tsakanin bankuna a Nijeriya ya nuna.
Wannan kididdigar shi ne mafi girma da aka samu daga wannan bangaren tun da Babban Bankin Nijeriya ya kirkiro da shirin a shekarar 2012 da nufin karfafa shirin huldar kudi ta kimiyyar sadarwa a kasar nan.
Hulda mafi girma da aka yi ya karu ne a watan Oktoba na Naira Biliyan 212.37 yayin da kuma hulda mafi karanci ya auku ne a watan Fabrairu na Naira Biliyan 144.87, duk dai ta hanyar fasahar PoS.
Bayanan sun nuna cewa, huldar da aka yi ta PoS ya karu da kashi 64 na Naira Biliyan 110.7 wanda aka samu a tsakanin watan Janairu zuwa watan Oktoba na shekarar 2017, zuwa na Naira Triliyan 1.82 da aka samu a daidai lokacin da ake magana na wannan shekarar.
Haka kuma bayanan sun nuna cewa, an yi huldar biyan kudi har sau Miliyan 225 a farkon wata 10 na wannan shekarar, koma bayan hulkdar da aka yi har guda Miliyan 114 a daidai wannnan lokaci na shekarar na 2017.
Da yake bayani kwanaki a wani taron masu ruwa da tsaki a bangaren huldar kudi ta hanyar Kimiyya da Fasaha, shugaban kamfanin TeamApt Limited, Mista Tosin Eniolorunda, ya bayyana mahimman natijojin da za a samu musamman abin da ya shafi ciyar da bangaren kananan kasuwanci gaba da kuma nasarorin da jama’a za su iya samu a kokarin isar da sakonnin kudade a tsakaninsu, ya kuma bukaci su rungumi sabbin hanyoyin tantance masu hulda wadanda suka hada da amfani da hoton tafin yatsu da muryar mutum don tantancewa don kaucewa fada wa hannun ‘yan damfara bata gari.
Amma dai, damfara da rashin gaskiya da yake ci gaba da faruwa a bangaren na huldar kudade ta fasahar PoS ya na karar tayar da hankalin jama’a, haka kuma ya na sa mutane na kyamar shiga huldar, musamman ganin sabon rahoto da ya fito daga hukumar kula da kudaden masu ajiya a bankuna ‘Nigeria Deposit Insurance Corporation’ wanda ya kiyasta cewa, bankuna sun yi asarar fiye da Naira Biliyan 1.5 ta hanyar damfara ta amfani da na’urorin biya da karbar kudade na PoS a cikin shekarar 2017.
Haka kuma a jawabinsa a wani taro na kungiyar masu huldar kudade ta PoS ta kasa, reshen jihar Legas, shugaban kungiyar na jihar Legas, Niyi Yusuf, ya lura da cewa, bangaren na iya yin gaggarumin asarar in har ba a yi maganin hanyoyin da ake amfani da su wajen tafka almundahanan ba.
Ya kuma kara da cewa, gaggarumin ci gaba da aka samu a bangaren kimiyya da fasaha ya na bayar da mafaka ga masu aikata laifufuffa da kuma taimaka musu ci gaba aikata laifin ba tare da an gano su ba.
“A yayin a ake samun ci gaba a bangaren masu amfani da wannnan fasahar wajen huldar kudadensu haka kuma kudaden da ake asarar yana kara karuwa ta hanyar damfarar da ake gudanarwa babu kakkautawa. Bincike ya nuna cewa, kashi 12 ne kawi na damfarar da ke yi yake fitowa faga bangaren masu amfani da bankuna sauran kuma kashi 88 na damfarar yana faruwa ne a bangaren masu huldar kudi ta fasahar kimiyyar zamani,” inji shi.
Ya kuma yi bayanin cewa, wadannan sabbin ci gaban da ake samu yana kara tsaurin hanyoyin yaki da ‘yan damfar haka kuma lamarin na kara fito da bukatar ci gaba da neman hanyoyin yaki da ‘yan damfara musamman a cikin shekaru 5 da 10 masu zuwa.
Ya kuma yaba da ci gaban da aka samu a bangaren amfani da PoS a kasar nan, Dakta a bangeren lura da harkokin amfani da na’ura na Babban bankin Nijeriya, Mista Dipo Fatokun, ya bukaci bankuna su kara fito da sabbin dabarun sa ido a kan wacdanda suke sana’ar amfani da PoS da kuma wadanda suke da niyyar shigowa cikin sana’ar a nan gaba.
Ya ce, “Ya na da matukar mahimmanci a ci gaba da sa ido a kan masu huldar kudi ta fasahar PoS aduk inda suke a fadin tarayya kasar nan don kaucewa bata gari masu kokrin gurbata sana’ar a wannna lokacin da jama’a suka raja’a da kuma sabawa da amfani da huldar kudi ta wannan fasahar.”




Advertisement
Click to comment

labarai

Share This

Share this post with your friends!