- Fassarar Abubakar Haruna
Damuwa da yadda ake kara samun matsalar cin mutuncin Naira a kasar nan, Babban Bankin Najeriya (CBN), yana daukar matakan da suka dace don kawo karshen matsalar.
Abu ne sannanne ka ga takardar Naira ta yi dako-dako da mai ko an shafa mata fenti ko ruwan biro ko an like ta da takarda kuma hakan ya shafi dukan takardun kudin da mutane ke mu’amala da su, duk da cewa kananan takardun kudi aka fi wulakantawa lamarin ya shafi dukan takardun kudin Najeriya.
Kudin kowace kasa kamar tutar alama ce ta kasar saboda haka ake mutunta su tare da adana su sosai.
Sakamakon wulakanta takardun kudin, Bankin CBN ya yi gargadin cewa wulakanta takardun kudin ta saba wa doka saboda haka duk wanda aka kama yana wulakanta su zai fuskanci fushin doka.
Da yake jawabi kwanan nan a bikin ranar kayan tarihi na kasa da kasa na Bankin CBN na shekarar 2018, Mataimakin Gwamnan Bankin Sashen Gudanar da Aiyuka, Mista Edward Adamu ya ce takardar Naira “Alama ce kuma abin alfaharin kasa” wacce ya zama wajibi a yi taka-tsantsan wajen mu’amala da ita.
“Takardar Naira alama ce abin alfaharin kasarmu bai kamata a rika watsar da ita ko a rika taka ta ko a rika cukwikwiye ta ko a rika bata ta ta hanyar shafa mata mai ko sauya launi ko wani abu da zai bata ta. Bai kamata a rika sayar da Naira ko a yi jabunta ba,” inji shi
Mataimakin Daraktan Sashen Mu’amalar Kudi, Mista Bincent Wuranti ya ce irin yadda ’yan Najeriya ke mu’amala da takardar Naira yana shafar dadewar kudin.”
“An yi tunani da nazari sosai wajen tsarawa da buga takardar kudin kasar nan don haka akwai bukatar a rika girmama su,”inji shi
Ya tunatar da ’yan Najeriya cewa sashe na 21 na dokar CBN ta shekarar 2007 ya bayyana cewa “Wanda ya wukalanta takardar kudi zai biya abin da bai gaza Naira dubu 50 ba ko ya zauna gidan yari na wata shida ko kuma a hada masa duka biyun, kuma sashen na 20 karamin sashe na (4) na dokokin CBN na shekarar 2007 ya tanadi hukuncin yin shekara biyar a gidan yari ba tare da zabin tara ba ga duk wanda aka kama da laifin mu’amula da kudin jabu.”
Bankin CBN ya bayyana cewa ya bullo da kotun tafi-da-gidanka don yanke hukunci ga masu wulakanta Naira.
Kwanan nan a Legas, Bankin CBN da kwamitin bankuna ya bukaci kafa kotun tafi-da-gidanka da za ta rika yanke hukunci ga wadanda aka samu da laifin wulakanta takardun kudin.
Wannan yunkuri an yi shi ne da hadin gwiwar Hukumar ’Yan sandan Najeriya da Ma’aikatar Shari’a ta Tarayya.
Bankin CBN ya bayyana cewa ya himmatu wajen rage kudin da ake kashewa a duk shekara wajen bugawa tare da maye gurbin takardun kudin da suka lalace.
A kwanan nan da aka gudanar da taron Kwamitin Bankuna, Babban Daraktan Sashen Sadarwa na Bankin CBN, Isaac Okorafor, ya lura cewa dokar tana nan amma tana bukatar a fara aiki da ita tare da yin amfani da ’yan sanda da sauran hukumomi.
Ya ce: “Har ila yau, ina tunatar da ku cewa wulakanta takardar Naira laifi ne, wanda ake hukunta wanda ya yi shi a karkashin dokar CBN ta shekarar 2007 inda ake daure mutum wata shida a kurkuku ko tarar Naira dubu 50 ko duka biyun a lokaci guda idan aka kama wanda ya aikata laifin wulakantawa ko yin liki ko sayarwa.”
“Bankin na CBN na jagorancin tabbatar da wannan doka ce saboda yawan makudan kudin da gwamnati take kashewa wajen buga sababbin takardun kudi. Idan wannan abu ne na al’ada, ya kamata a daina. Idan kuwa wani abu ne na dabi’a, to ya kamata a canja,” inji shi.
Manajar Darakta kuma Babbar Jami’ar Kamfanin FSDH Merchant Bank, Misis Hamda Ambah, ta ce a taron da aka gudanar a Legas sun yi kokarin wayar da kan jama’a don kauce wa fushin doka.
“Za mu kara wayar da kan jama’a game da yadda ake amfani da takardun kuɗi. Ba za mu so doka ta yi aiki a kan kowa ba. Ko kotun ta fara aiki gobe ko shekara mai zuwa, abu mafi muhimmanci shi ne mutane su daina sayar da naira ko wulakanta ta,” inji ta.
Duk da haka masana sun ce, kafa kotunan tafi-da-gidanka abu ne mai kyau amma ba za su kawo ƙarshen wulakanta Naira ba a kasar nan. Maimakon haka, ya kamata a rage yawan mu’amala da tsabar kudi a karfafa mu’amalar kudi ta Intanet.
Masanan sun amince cewa, hanyoyin biyan kuɗi ta Intanet ko ta yanar gizo ita ce mafi kyan hanyar mu’amala da kudi kuma ya zama wajibi Najeriya ta shiga cikin tsarin don cimma burin da ake so.
“A yawancin ƙasashe, musamman kasashe masu tasowa, suna amfani da hanyoyin hada-hadar kudi ta zamani kamar tsarin biyan kudi ta yanar gizo da tsarin hada-hadar kudi na NEFT da makamantansu kuma hakan ya kawar da matsalolin hada-hadar takardun kudi,” inji Mista Dabid Agwa, kwararren ma’aikacin banki kuma malami a Jami’ar Najeriya da ke Nsukka.
Ya bayyana cewa bankunan Najeriya da Bankin CBN ya zama wajibi su zuba jari wajen karfafa biyan kudi ta yanar gizo a Najeriya inda ya yaba wa CBN kan bullo da shirin mu’amala da kudi ta yanar gizo a ’yan shekarun da suka gabata.
Mista Benedict Aondober, wani mai fashin baki a kan al’amuran yau da kullum ya bayyana cewa tunda ba za a iya kauce wa yin amfani da takardun kudi ba kamata ya yi ’yan Najeriya su koyi darasin girmama takardar Naira ta hanyar sanya ta a karamar jakar adana kudi.
Ya yi gargadi kan dabi’ar wulakanta takardar Naira musamman ga ’yan kasuwa da masu haya da mota. Ya bukaci Bankin CBN da Hukumar Wayar da Kan Jama’a ta Kasa su wayar da kan jama’a kan yadda za su yi mu’amala da kudi.
Da yake tofa albarkacin bakinsa ka batun, Mista Rislanudeen Muhammad wanda kwararen ma’aikacin banki ne kuma tsohon Manajan Daraktan Bankin Unity ya ce tsufar takardar kudi tana tilasta Bankin CBN yawan buga sababbi ta hanyar kashe makudan kudi.
“Akwai bukatar a kara wayar da kan jama’a kan illar wulakanta takardun kudi wanda haka yake saukin mayar da su tsofaffi tare da sanyawa su zamo masu matukar wahala a wasu lokutan ma a ki karbar su. Bankin Tafi-da-gidanka zai yi matukar rage hada-hada da takardun kudi kuma zai taimaka wa Bankin CBN ya samu ragin kudin da yake kashewa wajen buga sababbin kudi,” inji shi
Ya kara da cewa “Idan ana son cimma burin yadda Bankin Tafi-da-Gidanka zai rage yawan buga sababbin takardun kudi ya zama wajibi a yi maganin matsalar zamba ta yanar gizo. Idan aka yi haka mutane za su samu kwarin gwiwar rage rike takardun kudi kuma hakan zai rage samun tsofaffin takardun kudi.”
Abu ne mai muhimmanci ’yan Najeriya su rage amfani da takardun kudi, ya zama dole ’yan Najeriya su rungumi sayen kayayyaki ta na’ura (POS) a kasuwanni da sayen tikitin motar bas. Hakan zai rage hadarin asarar kudi da barayi da gobarar kasuwa da makamantansu ke jawowa. Hakan zai yi tasiri ga yawan rike tsabar kudi kuma hakan zai sanya naira ta yi tsafta.
