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Nazarin Nasarorin Tsarin ‘Cashless Policy’ Na Babban Bankin Nijeriya

by Sabo Ahmad
2 years ago
in Labarai
0
Ra’ayoyinku A Kan Umarnin Kotun Koli Na A Ci Gaba Da Karbar Tsofaffin Kudi
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Dokar shekara ta 2003, ta bayyana cewa, Babban Bankin Nijeriya ke da iko na buga takardun kudi da sauya fasalinsu da kone su da kuma raba su. Musamman kamar yadda sashi na 20(3) na dokar babban bankin ta bayyana cewa:

“A karamin sashi na (1) da na (2), ya bayyana cewa, Bankin na da ikon, matukar shugaban kasa ya amince masa, bayan, bayar da cikakken lokaci na su sauya fasali tsaba ko takardun kudi wadanda za a yi amfani da su wajen saye da sayarwa, sannan kuma za a dakatar da amfani da tsoaffin kudin zuwa adadin wani lokaci da aka bayar wanda kuma hakan ya dogara ga sashi na 22 na dokar, wadda bankin zai iya yi mata kwaskwarima matukar bukatar hakan ta taso.

Ko shakka babu, cewa tun shekara ta 2015, ake amfani da fasahar zamani a bankunan kasar nan yadda za su zama a cikin sahun gaba a fadin duniyar nan. Tsarin yin amfani da tura kudi, tsari ne da yanzu haka duniya ta runguma, an sake gabatar da tsarin shekara ta 2019 da kuma a cikin watan Omotoba na shekara ta 2022, gwamnan Babban bankin Nijeriya, Godwin Emefiele, ya bayyana cewa, Babban bankin na bukatar su koma hada-hadar kudi ta hanyar tura wa.

Kamar yadda ya ce, an tanaji dukkan abubuwan da suka kamata domin samun nasara wajen aiwatar da wannan tsari na tura kudi da karbarsu ta hanyoyi daban-daban, wadanda su saukaka wa ‘yan Nijeriya wahalhalun da suke fuskanta wajen yin hulda da kudi dari bisa dari.

Haka kuma Babban Bankin ya sanar da fara yin amfani da tsarin tura kudi tun a ranar 9, ga watan, Janairu na shekara ta 2023 ta hanyar wani sabon tsari na ‘twin-track’ wanda zai zage amfani da takardun kudi da kuma takaita yawan kudin da za a iya fitar wa daga banki a kowace rana. Musamman shi kansa Babban banki ya bayyana takaita yawan kudin wanda kuma ya sha bamban da yawan kudin da za a iya fitar wa a lokacin da aka fara aiwatar da wannan tsarina shekara ta 2012.

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Kamar yadda aka bayar da umarni wanda ya fara aiki a ranar 9, ga watan Janairu, 2023, cewa ba za a iya cire kudin da suka wuce naira 100,000 a cikin banki ta amfani da ATM ko PoS a kowace rana ba. Sai kuma naira 500,000 a kowane mako ko naira miliyan 2 a kowane wata. Ga kuma wadanda ke da kamfani ba za su iya fiye da naira miliyan 5 a mako ko kuma naira miliyan 20 a wata daya.
Sanarwar wadda wadda Daraktan Bankin Haruna Mustafa, ya bayyana cewa, naira 100,000 a matsayin kudin za fitar wag a wanda aka ba su cek.

Bisa sabon tsarin da Babban bankin ya fito da shi, dukkan wata hada-hada da ta shafi manyan kudi za a dinga hulda da banki ne kai tsaye, sannan kuma Babban bankin ya ce, za a yi wake da shinkafa ne waKjen sa kudi a ATM, yadda ba za a yawaita sa manyan kudi ba. Haka kuma takardun kidi na naira 500 da naira 1,000 sai an shiga banki ko kuma a ‘PoS’ za a same su.

Gaba daya sake fasalin tsarin kudin wanda wannan kasar ta shirya zai taimaka wa al’umma wajen kara tsimi da tanaji da kuma kasar kanta wajen rage yawan kudadaen da ake kashe wa a kan buga takardun kudin.
Abin da ya kamata al’umma su fahimta shi ne, wannan ba shi ne karo na farko ba, na sauya fasalin kudin wannan kasar ba.

Shekaru daban-daban an sha sauya fasalin kudin wannan kasa, a shekara ta 1965 da shekara ta 1968 da shekara ta 1973 da kuma shekara ta 2007, duk an yi irin wannan aikin. A shekara ta 2022, an sauya fasalin kudin inda aka kaddamar da sabbin kudin na naira 200 da naira 500 da kuma naira 1000.

Saboda haka wannan sabon tsarin da Babban bankin ya zo da shi, zai amfani kasa da kuma al’ummar kasa baki daya, ko da kuwa a halin yanzu al’umma na ganin cewa wannan lamarin ya yi tsauri da yawa, kuma ana shan wahala sosai.

Daga cikin manufar wannan tsarin shi ne, kawar da fargaba wajen yin amfani da tsabar kudi. Sannan kuma zai taimaka wajen samun cikakken tsaro a kan kudadaen da al’umma ke amfani da su.

Tarihi ya tabbatar da cewa, a shekara ta 2015naira tiriliyan 1.4 ne ake hulda da su a fadin kasar na. A cikin watan Okotoba na shekara ta 2022, sun kai naira 3.23 daga cikin naira biliyan 500 da ke bankuna sai naira tiriliyan 2.7 da mutane suka boye a gidajensu.

Idan Babban banki ya fitar da sababbin kudi, an fitar da su ne domin gudanar da huldodin da suka shafi kudi nay au da kullum.
Kamar yadda Emefiele ya ce, tun lokacin da aka fara maganar canjin kudi zuwa yanzu an karbi naira tiriliyan 2.1; wanda kuma akwai kimanin naira biliyan 900 wadanda ba akarba ba.

Sanna ya ce, wannan matsin lamba da aka samu wajen wannan sauyin kudi, ya sa mutane da dama rungumar tsarin ajiya a banki, wanda kuma hakan zai taimaka musu wasamun saukin yin hulda da kudadensu da kuma tabbatar da tsaron dukiyarsu.

A karshe, ya ce, nan gaba kadan mutane za su fahimci irin kyakkyawan tanadin da ak yi musu wajen fito da wannan tsari na hulda da kudi.


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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