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Dage Takunkumin CBN A Asusun Ajiyar Wasu Mutane Da Kamfanoni Ya Haifar Da Da Mai Ido

by Bello Hamza
2 years ago
in Labarai
0
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A ranar 27 ga watan Yulin shekarar 2023 ne Babban Bankkiin Nijeriya (CBN) ya umarci bankuna kasuwanci su dage takunkumin da aka kakaba wa asusun wasu mutane 440 da asusun ajiya na wasu kamfanoni a Nijeriya.

Wannan umarnin da aka bayarya zo ne a daidai lokacin da aka dakatar da tsohon shugaban Babban Nankin Nijeriya, Godwin Emefiele, abin da masu ruwa da tsaki suke gani ne a matsayin sabon shafi da babban bankin ya bullo da shi a karkashin mulkin Shugaba Bola Ahmed Tinubu.

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Sun bayyana cewa, Babban Bankin na amfani da wannan doka wajen kakaba wa asusun mutane ba tare da wani dalili mai kwari ba, wanda hakan yana cutar da tattalin arzikin Nijeriya wanda ke kokarin farfadowa.

Wannan tsari na sanya takunkumi a asusun ajiyar da ake kira da (Post No Debit) yana dakatar da mai asusun daga mu’amalar cire kudi daga asusunsa, ma’ana ba zai iya fitar da kudade daga asusun ba, kuma ba za a iya ganin yadda kudi ke zirga-zirga ba a cikin asusun (ba za a iya ganin balance ba). Idan aka kakaba wa asusu takunkumin (Post No Debit), yana nufin cewa, kudi zai iya shiga amma ba za a iya fitar da kudi ba daga asusun ba.

Dalilin kakaba wannan takukumi yana iya banbanta, bankuna sun samar da shi ne don samar da kariya ga cibiyoyin kudi da aka hango suna fuskantar matsalar da zai iya haifar musu da asara, asara ga asusun ko kuma mai rike da asusun. Wasu dalilan sun kuma hada da yayin da ake zargin wasu badakala a mu’amalar kudi da ake yi daga asusun, in rikici ya taso a kan asusun, umarnin kotu ko kuma yayin da aka lura asusun ya dade ba a yi wata mu’amala da shi ba.

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Abu ne da ake yi a fadin duniya, ana dakatar da mu’amar kudi daga asusu a sa takunkumi na shiga da fitar da kudi daga asusu in an lura da ana haramtaciyyar mu’amalar kudi a cikin asusun ko kuma na wani ne da ya ci bashi ya kuma ki biya a lokacin da ya kamata, wanda ake bin bashin na iya zuwa kotu ya samo umarnin a dakatar da mai asusun daga cire kudi daga asusun har sai an warware matsalar.

Amma kuma a bangaren asusun kamfanoni ana zargin za a iya samun wasu dalilan daban na kakaba wa asusu takunkumi, wadanda su kan iya hadawa da lamarin da ya shafi siyasa.

A shekarar 2020, ba tare da umarnin kotu ba an kakaba wa wasu kamfanoni da basa cikin masu harkar kudi takunkumi a kan asusun su saboda kawai sun nemi kudaden waje ta wasu hanyoyi daban, kamar ta kasuwannin bayan fage. Wasu masu harkar fitar da kayayyaki waje na cikin wadanna wannan iftila’in ya fada wa.

Ga masu fitar da kayayyaki waje, wannan dokar da aka kakaba musu tamkar zalunci ne, mai za sa a kwashe dalolinsu a sayar a kan yadda doka ta tana na N461/$ wanda kashi 62 kenan na yadda ake samun sa a kasuwan bayan fage na N750/$. Wannan na nufin CBN an cewa masu harkar fitar da kayayyaki su yi asarar kashi 62 na kudaden da suka nema da guminsu kenan wanda hakan bai dace ba.

Da ta gano kuskurenta a halin yanzu, CBN ya samar da wasu tsarin da za a saka musu da sayar musu da dala a kan N25/$.

Sakamakon wannan tsarin da aka fito da shi na sanya takunkumi a kan asusun mutane da harkokin kaswuancin su yana da yawan gaske. Da yawa sun shiga matsaloli wajen gudanar da harkokin kasuwancin su, wasu kamfanonin sun kasa biyan albashin ma’aikatansu, sun kuma kasa biyan masu yi musu kwangilar kayayyakin da suke sarrafawa a kan lokacin da ya kamata.

Masana sun bayyana cewa, wadanna matakin yana cutar da tattalin arziki yana kuma takura daukar ma’aikata.

Farfesa Godwin Oyedokun, na Jami’ar Lead City da ke, Ibadan, a wata tattauanwa da aka yi da shi ya bayyana cewa, babban kuskure ne a mahangar tattalin arzki kakaba wa wasu asusu takunkumi a daidai lokacin da aka san tattalin arzikin Nijeriya yana tangal-tangal.
Ya ce, akwai yuwuwar yawancin kamfanonin da aka sanya wa asusun takunkumi sun bar harkokinsu saboda sun kasa biyan bukatunsu na yau da kullum.

Ya kuma kara da cewa, “Na yi murna kwarai da gaske ganin a halihn yanzu an fara samun sauye-sauye a Babban Bankin Nijeriya CBN, akalla yanzu ana nuna alamun mutumta dokokin kasa, ta yaya za ka kakaba wa asusu takunkumi har na tsawon shekara 4? Bayan doka ta bayyana cewa kada ya wuce kwanaki 90?”

Ya kuma ce, abin murna ne yadda aka dakatar da takunkumi, kudaden da aka tara na tsawon watanni a asusun za su iya zama sinadarin da za su iya taimakawa wajen farfado da tattalin arzikin kasa.

Ya kuma shawarci wadanda aka kakabawa asusun su takunkumi su nemi a biya ruwa na rike kudaden su da aka yi saboda daga dukkan alamu ba an sanya takunkumin ba ne sabooda wani laifi da suka yi.

Wani masanin tattalii arziki da ya nemi a sakaya sunan sa saboda inda yake aiki ya ce, dage takunkumin ya zo a kan lokaci, musaman ganin mutanen da aka sanya wa takunkumin da kamfanonin duk suna fuskantar radadin tattalin arzikin da ake fuskanta a Nijeriya a halin yanzu, hauhawar farashi da karyewar darajar naira ya sanya tafiyar da harkar kaswuanci abu ne mai wahalar gaske a Nijeriya a wannan lokacin, haka kuma janye tallafin man fetur ya matukar karya darajar albashin ma’aikata abin da ya sa a halin yanzu ma’aikatan ke gwagwarmaryar neman karin albashi.

“Yayin da takunkumin baya hana shigar kudi cikin asusun da aka kakaba wa, yanzu da aka janye takunkumin an samar da sabon rayuwa ga wadanda abin ya shafa don yanzu za su samu kudaden tafi da harkokinsu, tattalin azikin kasa kuma zai samu nasa rabon, za a samu karin daukar ma’aikata. Tabbas wannan mataki na CBN abin a yaba ne kwarai da gaske.

Gilbert masanin tattalin arziki ne mazaunin Abuja


Daga kanmu, magana ta ƙare. Kuna iya samun rahotanni da ɗumi-ɗuminsu da gamsassun ruwayoyin labarai daban da na saura kai-tsaye cikin wayoyinku. Shiga zaurenmu na WhatsApp don sanin halin da ake ciki a duniya ko yaushe

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