Shin Ana Da Bukatar Tsarin Takaita Zirga-zirgar Kudi A Hannun ‘Yan Nijeriya?

A yayin da, Babban Bankin Nijeriya CBN, a karkashin shugabancin Gwamnan Bankin Godwin Emefiele ya fara gabatar da Nijeriya a cikin tattalin arzikin kasa da kasa a cikin tsarin rage yawon takardun kudi a hannun jama’a a wanda kuma wasu ke gani tsarin, na da rikitar wa.

Tsarin na nuna cewa, sai jama’a sun dogara kachokam, wajen da yin amfani da tsurar takardun kudi bane a dukkanin hada-hadar da za su yi da takardun kudi ba.

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Amma, tambatar da mutane ke ci gaba da yi ita ce, shin, ana da bukatar wannan tsarin na tsakaita yawon takardun kudin a wannan lokacin?
Wasu mutanen na ganin Nijeriya, ba ta kai matsayin fara yin amfani da wannan tsarin ba, inda suke ganin tsari ne kawai da da ce ga ‘yan kalilan din dattawa.

Sai dai, masu irin wannan tunanin, za a iya cewa, akwai kuskure a cikin shi.

Amma, yana da kyau a sani cewa, a yayin da aka gabatar da shirin a kasar nan, wasu kasashen da ke a nahiyar Afirka suka yiwa Nijeriya fintinkau, wajen yin amfani da wannan tsarin.

A nan, bari mu jingine nahiyar Turai da kasar Amurka a gefe daya domin a wadannan kasashen, hada-hada da tsurarar takardun kudi da dai-daikun mutane ko kuma kamfanoni za su yi, wadda ta wuce iyaka, ana fuskantar cikakken bincike na tsaro.

A wani kaulin kuwa, tsarin tamkar wata doka ce da ake yin amfani da shi manyan Shaguna,wajajen sayar da abinci, a cikin Bankuna da kuma a Shagunan da ake gyran Gashi. A bisa tunanin da Emefiele ya yi, ganin cewa Nijeriya a matsayin ta ma mai karfin tattalin arziki a nahiyar Afirka, tuni ya kamata a ce, ta fara wanzar da wannan tsarin.

Sakamakon ya nuna cewa, kashi 10 ne kacl na hada-hadar kudi a Bankuna suka baura Naira 150,000.

Sai dai, abinda kawai ake jin tsor shine, ganin yadda wasu ba sa goyon bayan ganin an samar da sauyi.

Duk da irin tsegumin da wasu ke yi akan tsarin, an samu gagarumar cin nasara a tsarin, musamman ganin cewa, tsarin ya taimaka wajen kara bunkasa tattalin arzikin Nijeriya, musamman ganin yadda tsarin ya taimaka wajen samar da ayyukan yi wasu matasan kasar nan. Har ila yau, tsarin ya kuma taimaka wajen rage cunkoson yin hada-hadar kudi.

Dama ko ya ya take, Emefiele na yin amfani da ita don yin cikakken bayani, amma wadanda har yanzu ke yin amfani da tsohon tsari, ya kamata su sani cewa, akwai bukatar Nijeriya ita ma tabi sahun kasashen da suka rungumi tsarin, wajen zuba kudade da biyan kudaden.

Har ila yau, yana da kyau a sani cewa an gabatar da tsarin a Nijeriya ne bisa dalilai da dama wanda akasari an yi hakan ne don a kara budewa tattalin arzikin Nijeriya ido zuwa matakin yadda ake gudanar da tsarin dai dai da yadda ake gudanar da shi a kasa da kasa.
Manufar tsarin ita ce, bunkasa tsarin yadda ake biyan kudi wanda ya yi dai dai da manufar da Nijeriya ke son cimma a 2020 don kasance wa a cikin kasashe 20 masu karfin tattalin arziki nan da 2020.

Tsari ne mai kyau da zai iya habaka kasuwanci da kuma inganta rayuwar alummar da ke a cikin karkara da suka jima suna gudanar da hada-hadar kasuwanci.

Ga Bankunan da suke a cikin tsarin, hakan zai rage masu tsadar yadda suke tafiyar da ayyukan Bankunan, haka ga mahuntan aka dora masu wani nauyin tafiyar da tattalin arziki, tsarin ya taimaka ta hanyoyi da dama wajen inganta tsarin tafiyar da kudi, dakile hauhawan farashin kaya da kuma kara bunkasa tattalin arzikin.

Bugu da kari, manufar da tsarin ke son cimma ita ce, tsakaita yawon tsurarar takardun kudi a hannun jama’a a.
Hakazalika, kafin a gabatar da tsarin, ana yawan yin hada -hada ko kuma mu’amala ne da tsurarar takardun kudi wajen yin kasuwanci.

Babban munin shine, yin amfani d tsurarar takardun kudaden, inda kuma motocin Bankuna da je yin jigilar takardun kudaden ke karade manyan hanyoyin kasar nan suna yin jiniya don a basu hanyar wuce wa, inda a wasu lokutan suke yin kicibus da ”yan fashi da makami da ke tare hanyoyin.wani lokacin kuma a ci karo da gobara ko annobar ambaliyar ruwan sama.

Har ila yau, yana da kyau a sani cewa, Gwamnan na Babban Bankin Nijeriya CBN Godwin Emefiele, kafin ya zama gwamnan Bankin ya kasance shugaba a sashen (DMB).
Godwin ya kuma kasance yana da matukar kwarewa a fannin tafiyar da aikin Banki haka yana sane da daukin da ake samarwa ta hada -hadar kudi ta yau da kullum.

Emefiele ya yi amfani da dukkanin karfinsa don ganin tsarin ya samu karbuwa, musamman daga cikin samar da matakai don a ingata tsarin hada-hadar kudi da rage cin hanci da rashawa, domin ba sai an fada ba, yin amfani da tsurarar takardun kudi, na haifar da cin hanci da rashawa da zurarwar kudade zuwa inda ba a so.

Hakazalika, tsarin ya kasance tankar wani samar da sabon sauyi ne a fannin hada-hadar kasuwancin da hada-hadar kudi.
Hakazalika, tsarin ya kasance tankar wani samar da sabon sauyi ne a fannin hada-hadar kasuwancin da hada-hadar kudi.

Idan har aka ci gaba da gudanar da tsarin bayan Godwin Emefiele ya sauka daga shugabancin Bankin na CBN, mai yuwa a daina yin amfani da tsurarar takardun kudi, inda hakan zai sa tattalin arzikin Nijeriya ya kasance ya zauna da gindinsa don amfanin kowa da kowa.

Iwu mai yin fashin baki kan tattalin arziki ne da ke a Enugu.