Lokacin da Dr Tony Okpanachi ya shiga ofis a shekarar 2017 a matsayin Shugaban Gudanarwa na farko da Babban Jami’in Zartarwa na Bankin Ci Gaban Nijeriya (DBN), kaɗan ne suka yi tsammanin yadda wannan ƙungiyar za ta zama matattarar tallafi ga dubban ƙananan kamfanoni cikin sauri.
Bayan shekaru takwas, DBN ta tsaya a matsayin ɗaya daga cikin manyan masu sahihanci wajen haɓaka ci gaban haɗaka a Nijeriya, yana canza rayuka ta hanyar samar da damar samun kuɗi da tallafin ƙwarewar kasuwanci.
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A tsakiyar wannan sauyi akwai jagora wanda ke ganin banki ba kawai kasuwanci ba ne, har ma a matsayin ayyukan al’umma wata hanya ce ta haɗa manufofi da damar cimmu su.
“Aikinmu shi ne tallafa wa mafarkai waɗanda ke gina ƙasa.”
Ƙarfafa Ginshiƙin Tattalin Arziki
A ƙarƙashin jagorancin hangen nesa na Dakta Okpanachi, DBN ta bayar da sama da Naira tiriliyan 1.1 a matsayin lamuni ga fiye da MSMEs 700,000 a faɗin Nijeriya.
Abin da ya sa waɗannan lambobin suka zama na musamman shi ne labarin ɗan’Adam da suke bayyana: Kashi 65 cikin ɗari na masu amfana mata ne da matasa,
Kuma tallafin ya ƙirƙiri ko ya tabbatar da kimanin ayyukan yi miliyan 1.2 a ƙasa baki ɗaya.
Waɗannan ba lambobi ne kawai ba; Labarai ne na maɗinka a Aba, masu sarrafa shinkafa a Kebbi, masu ƙirƙirar fasaha a Legas, da masu sana’o’i a Kaduna waɗanda yanzu za su iya gudanar da kasuwanci mai ɗorewa saboda wani ya yarda da basirarsu.
Falsafar jagoranci ta Dakata Okpanachi tana da sauƙi: ingancin samun kuɗi shi ne igancin ƙasa. Ta hanyar ƙarfafa MSMEs, ginshikin gaskiya na tattalin arzikin Nijeriya, ya taimaka wajen yaɗa arziki zuwa wurare da bankunan gargajiya da a da can ba sa kula da su ba.
Gina Banki Don Ci Gaba, Ba Domin Dogaro Da Tallafi Ba
Dakta Okpanachi ya kawo tsari, ladabi, da manufa mai bayyana: ya sanya DBN zama misali wajen tallafin ci gaban kasuwanci a Afirka.
Ya gabatar da samfurin bayar da lamuni mai amfani da bayanai da fasaha, wanda ke ƙara gaskiya, rage haɗarin bashi, da faɗaɗa damar samun kuɗi ga sassa da ba a kulawa da su sosai. Ta hanyar haɗin gwiwa da cibiyoyin kuɗi fiye da 65, yanzu DBN na ba da tallafin kuɗi mai rahusa da tsawon lokaci ga ƙananan kasuwanci a kowace jiha.
Wannan samfurin ya sami girmamawa a duniya, inda ya sanya DBN zama mai ba da kuɗi kuma malamin banki wanda ke ƙarfafa tsarin kuɗi maimakon yin gogayya da shi.
“Ba mu zo don mamaye kasuwa ba; mun zo ne don zurfafa ta.”
Ƙirƙire-Ƙirƙire a Matsayin Dabarun Ci Gaba
Lokacin shugabancin Dr Okpanachi sai ya zama ya cika da ƙirƙire-ƙirƙire, ba wai a kalmar jan hankali kawai ba, har ma da tsarin aiki.
Ya jagoranci ayyukan sauyin dijital da ke ba bankuna da cibiyoyin micro-finance masu haɗin gwiwa damar sarrafa lamunin MSMEs cikin inganci, tare da sa ido kan tasirinsu a lokaci na ainihi.
Haka kuma, ya ƙaddamar da Tsarin Gudanar da Muhalli da Al’umma na DBN, wanda ke tabbatar da cewa kowanne aikin da aka tallafa ya dace da manufofi masu ɗorewa, daga makamashi mai sabuntawa, zuwa kamfanonin da mata ke jagoranta, da aikin noma mai ɗorewa.
A fannin yabo ga waɗannan nasarori kuwa, abokan haɗin gwiwa na duniya ciki har da Bankin Duniya, da AfDB, da Bankin Zuba Jari na Turai sun faɗaɗa haɗin gwiwar su da DBN, suna yabawa da gaskiyar shugabanci da ƙwarewar gudanarwa.
Ɗangaren ɗan’Adam na Harkar Kuɗi
Baya ga lambobi, akwai sadaukarwar Dr Okpanachi wajen gina mutane, ba kawai jadawalin kuɗi ba.
A ƙarƙashin kulawarsa, Shirin Horar da ‘Yan Kasuwa na DBN (Entrepreneurship Training Programme – ETP) ya horar da fiye da ‘yan kasuwa 9,500 da ƙwarewar aiki a fannin haɓaka kasuwanci, shugabanci, da ilimin kuɗi.
Masu kammala shirin ETP sun ci gaba da ƙirƙirar ayyukan yi, samun tallafin kuɗi, da gina kamfanoni masu ɗorewa, suna nuna cewa haɓaka ƙwarewa yana da muhimmanci kamar samun kuɗi.
Ta wannan haɗin gwiwar kuɗi da jagoranci, DBN ta zama banki kuma aji, wurin da kasuwanci ke haɗuwa da ƙarfafawa.
Tafiyar Ladabi Da Hangen Nesa
Duk da cewa fiye da shekaru 30 na ƙwarewa a harkar banki wanda ya haɗa kasuwanci, sayarwa ga jama’a, da bankin ci gaba, Dr Okpanachi ya haɗa ƙwarewar fasaha da hankalin ɗan’Adam cikin ƙwarewa ta musamman.
Kafin shiga DBN, ya riƙe manyan muƙamai a Zenith Bank da Bank of Industry, inda ya ƙware wajen gina cibiyoyi da jagorancin dabaru.
Ya samu digiri daga Jami’ar Ahmadu Bello da Jami’ar Legas, har ma da PhD a Fannin Gudanar da Kasuwanci (Business Administration).
Mai kammala karatu daga Harɓard Business School da Alliance Manchester Business School, shi ma’aikaci ne na Chartered Institute of Bankers of Nigeria (CIBN) kuma mai tasiri a cikin al’ummar bankin ci gaban Afirka.
Labarinsa shi ne na mai sauƙin gyara tsarin da ya sami damar yin tasiri a ƙasa baki ɗaya ba tare da yin hayaniya ba.
Gado Na Ci Gaba Mai Ɗorewa
A ƙarƙashin jagorancin Dr Okpanachi, DBN ta zama ginshiƙi a tsarin tallafin kuɗi ga MSMEs na Nijeriya — cibiyar misali wacce ke haɗa riba da manufa.
Juriya da ta nuna a lokacin girgizar tattalin arziki, annobar duniya, da rashin tabbas na kuɗaɗen gwamnati ya nuna tsayuwarsa kan ingantaccen shugabanci da tsare-tsaren dogon lokaci fiye da ganin abubuwa na ɗan lokaci.
Yanzu, jadawalin kuɗi na DBN ba a auna shi ne kawai a Naira da Kobo kawai ba, an ma farfaɗo da rayuka, kasuwancin da aka farfaɗo da su, da al’ummomin da aka ƙarfafa.
“Ci gaban ƙasa ba kalma ce kawai ba, shi bambanci ne tsakanin rayuwa yin samun ɗinbin nasara.”
