Rawar Da Bankuna Suka Taka A Shekaru Ukun Gwamnatin Buhari — Leadership Hausa Newspapers
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Rawar Da Bankuna Suka Taka A Shekaru Ukun Gwamnatin Buhari

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Fara amfani da tsare tsaren irin wanda yai kama da na tsuke bakin aljihu, tun lokacin da wannan mulkin shugaban kasa Muhammadu Buhari ta fara, da yake mulkin ya cika shekaru uku, a makon daya wuce, shi wannan al’amari ya sa an samu rashin kudade a Bankuna.

Wani bazata kuma shi ne da wasu kan yi magana dangane da su wadannan tsare tsaren, fitar da kudade ta asusunn bai daya (STA), abin ba zai shafi kudaden da aka aje ba Bankuna. Amma akwai taimakon da zai yadda zai sa su mai da hankali akan ayyukan da suka dace dasu, ayyukan da suka yu a shekaru da suka wuce, amma kuma al’amarin duk ya daurewa mutane kai, akan yadda yin tafiyar.

Da farko a dalilin yadda rike kudade kamau, bada bashi ga kungiyoyi masu zaman kansu, da kuma tattalin arzikin cikin gida, kamar ma al’amarin babu shi , ko kuma ya bushe, abu na biyu shine maganar kaddarori da kuma al’amarin kudaden Bankuna abin baa yin magana,sai kuma  maganar kaddarorin da Bankuna suke dasu waje, abin kamar ma ba a taba maganarsu ba.

Saboda su kasance suma cikin layi na yadda al’amura suke tafiya, musamman ma ta bangarn kudade, sai suma suka shiga yin rancen kudaden.

Akwai bayanan da suka shafi yadda sahihancin harkokin kudade suke na shekarar 2017 na babban Bankin kasa (CBN).

Baya ga shi wannan akwai rahoto na rahoton shekara na ayyukan da aka yi, wanda babban Bankin kasa ya fitar da shi, abin ya bayyana, dukkan Bankunan kasuwanci da kuma na al’umma, dole na su rika tuntubar shi babban Bankin saboda kada su fadi warwas gaba daya. Akwai maganar suna yawan zuwa babban Bankin kasa, saboda su amshi rancen kudade a shekarar data gabata fiye da yadda aka saba.

Rahoton ya  kara bayyana cewar ‘’ Duk rana ana bukatar dangane da SLF wanda Naira bilyan 216.34 a cikin kwanaki 246, daga ciki kuma akwai wani taimako n da ake badawa wanda ake kira Intra- day  likuid Facility (ILF) wani abu ne ake maida shi kudi, daga karshe dai abinda aka bada shi ne Naira bilyan 130.63, abinda kuma shi ya kai kashi 60.38 na yawan kudaden da aka bukata a bada rance.

‘’A shekarar 2016 kudaden da ak bukata kullun sune Naira bilyan 130.47 a ciukin kwanaki 207, daga ciki kuma, (ILF) conbersion shi ne Naira bilyan 84.62. Babbar harkar da ak ayi it ace a shekarar 2017, wannan kuma abin ya kasance haka bane saboda tsarin tsuke bakin aljihu na babban Bankin kasa.’’

Labarin duk hakanan yake a banagaren da Bankuna suke taimakawa kansu, wato inda wani Banki ya  kan yi rance daga wurin wani Banki, rahoton ya nuna yadda, mu’amala tsakanin Bankunan ta karu wajen sau biyar, daga Naira bilyan 32,910.37  a shekarar 2017 daga Naira bilyan 5,343.22 a shekarar 2016.

Akwai kuma  ‘’Open Baya Back’’ wannan wata hada had ace da takai kashi 98.43 cikin dari, na daukacin yawan kudaden da aka yi hada hadar su, sai kuma wata hada hada ita ma tsakanin Banki da Banki ce, ita ta samar da ragowar kashi kashi 5.17, idan aka hada da da kashi 80. 62 da kuma kashi 19.38 cikin dari na shekarar 2016.

Yawan alkalumman ya nuna ke nan ‘’An samu karuwar wasu kudaden da aka ajewa zauwa wani lokaci, da kashi 76.87 zuwa Naiara bilyan 1,603,94 daga Naira  bilyan 906,84 a shekarar 2016’’.

A al’amari OBB kuma ita hada hadar ta karu fiye da yadda kowa yake tsammani fiiye da sau shida, wanda abin ya kai Naira bilyan31, 207,68 daga  Naira bilyan 4,307.62 na shekarar 2016.

‘’Dalilin wannan karuwar akan al’amarin na hada hada a shekarar 2017 wannan ya faru ne saboda wasu matsaloli da bangaren Banki8n ya samu, kamar dai yadda rahoton ya bayyana.

Shi kuma al’amarin asusun bai daya ko kuma  Single Treasury Account (STA), masu nazarin al’amuran yau da kullun ko kuma fashi na baki, sun bayyana cewar, shi al’amarin ya kawo ma Bankunan yana tashin hankali, saboda daga karshe, ba abinda shi tsarin ya samar samu sai fatara, idan aka yi la’akari da shekarun baya, lokacin da babu shi tsarin. Shugaban Kasa lokacin da yaek yi ma al’ummar kasa jawabi ranar tunawa da mulkin faraf hula, ya jinjinawa shi tsarin na asusun bai daya, saboda ita gwamnatin nta samu karuwar bilyoyin Naira wadanda suka shigo asusun gwamnatin, wadanda su kudaden idan ace babu tsarin, zasu je aljifan Bankunan ne, President Buhari.

Wasu has ashen da FSR suka yi ya karyata duk wasu hasashe can daban akan shi TSA , abinda suka ce  ga gwamnati wani gaggarumin ci gaba ne, yayin da su kuma Bankuma koma baya ne.

Wani mai fashi bakiakan al’amuran da suka shafi kudi Olakunle Ezun ya fadawa wata kafar yada labarai cewar, a shekarar data wuce shi tsarin asusun bai daya (STA) ya kasance wata babbar matsala ce ga Bankuna musamman wadanda suke kanana, da kuma suke bayar da basussuka, abin ya sa sun kara yin kasa sosai, ba suda wata laka.

Ga dai ta bakin sa ‘’Asusun bai daya ko shakka babu wani babban ja da baya ne ga su Bankuna, su kuma a wurin gwamnati musamman ma ta tarayya, wani muhimmin ci gaba ne, wajen Bankuna basu yin abubuwan da suka kamata su yi, saboda matsalar da suke fuskanta  asanadiyar STA’’.

Bugu da kari akwai wani bayani a wata takarda wadda ta fito daga babban Bankin kasa, abin ya nuna cewar,  a waccen bangaren na Banki na yadda, kudaden shigarsu suka ja baya, tsakaninn watan Afrilu na shekarar 2015 da kuma Afrilu na shekarar 2016, sai gas hi ribar da suke samu a karshen shekara, an samu koma baya da kashi 10. 8 ko kuma Naira bilyan 24 daga Naira bilyan 222 a watan Afrilu na 2015 zuwa Naira bilyan 198 a karshen watan Afrilu na 2016.

A wancan laokaci sai yawan kudaden da mutane suke kawowa Banki ajiya ya ragu da kashi 5.6 ko kuma Naira tIRILIYAN 1.03, daga Naira Tirliyan 18.54 zuwan Naira Tiriliyan 17.51, wadanda masu hada hada da Bankuna suke kawowa.

Tsohon shugaban Unity Bank Plc Mr Rislanuddeen Muhammed ya bayyana cewar, duk wasu matsalolin da Bankuna suke fuskanta a halin yanzu, abin nyana laka da bullo da asusun bai daya (STA).

A wata hirar da yayi da wata kafar yada labarai ya bayyana cewar ‘’Da akwai matsalolin da ake fuskanta, ko shakka babu, tsakanin kudaden shiga da su Bankuna suke samu da kuma da kuma wadanda suke kashewa, ya kara bda cewar a halin yanzu yawancin kudaden da ake amsa wajen aikin da Bankuna suke yi, sun karu, saboda kuwa akwai hanyoyi biyu wadanda kudaden shiga na su Bankuna suka yi kasa sosai.

‘’Da farko shi ne asusun bai daya wanda shi  ya fi kawo ma Bankuna matsala, ta hanyar samun kudaden shigarsu. Sai kuma rashin samun dama wadda zasu yi amfani da ita ta waccan bangaren, abu na biyu kuma shi ne, yadda aka hana shi ne maganar dakatar  da kudin ruwan da ake samu saboda rabar da ake samu, ana cire mata wani kaso.

Cikakken shi tsarin FSR shi ne kamar yana goyon bayan da maganar da Muhammed yayi, sai abin ya zama tamkar dama gaskiya ce ya fada, shi rahotonn ya nuna cewar, ‘’Su kaddarorin na Bankunan kasuwanciabin ya samu ja da baya tun farkon shekarar 2017, saboda yawancin basussukan da aka bada, wadanda kuma baa yin abinda yasa aka amshi su su basussukan, sai abin ya karu, idan aka kwatanta da da karshen watan Disamba 2016.

‘’Wannan shi ne ndalilin koma bayan da ake samu ta bangaren kudaden shigar da Bakuna suke samu da kuma, yadda suke samun nasu’’.

‘’Domin a samu cikakkun bayanai na sahihancin halin da Bankuna suke ciki, sai aka gwada su dukkan Bankunan, sai kuma shi sakamakon ya nuna su Bankunan basu da wata lafiya,  saboda kuwa dole su Bankunan su shiga halin da suke ciki yanzu, saboda irin halin da aka sa suka shiga’’.

Dangane da kuma irinn yadda aka kalli shi tattalin arzikin yake sai rahotonya bayyana cewar:

‘’Dangane da yadda  su Bankuna suka kasance abin ya samar da kashi 1.16, idan aka hada da kashi 25,15 na karshen watan Disamba 2016.

‘’Shi ma bashin da ake ba abokan hulda na Bankunan ya ragu da kashi 3.4 zuwa Naira bilyan 736.19,  a karashen watan Yuni na shekarar 2017, idan kuma aka hada da Naira bilyan 762.07, a karshen watan Disamba na 2016, hakan kuwa ta faru ne saboda halin rashin tabbas wanda aka shiga a dalilin rashin tabbas akan yadda tattalin arzikin kasa ya ke, irin hakan ne kuma ta sa Bankunan wani hali na ha’ulai.

‘’Shi ma bashi wanda ake ba abokan hulda na kashi 3.54 na yawan su basusukan ga wadanda suke zaman kansu, kuma kashi 0. 09 wanda abin ya kai kasa sosai, a  karshen rabin watannin 2016.

‘’Harkar Bankuna wato yadda suka bada bashi ga wadanda ke zaman kansu, abin ya fadi da kashi 1.47 zuwa Naira bilyan 15,907.n 47 daga matsayin da suke karshen watan Disamba na 2016.

Daga karshen al’amarin daya shafi kudade an sha wahala musamman saboda rashin ayyukan yi, da kuma wahalar da ka sha a gidaje, da kuma rashin isassun kudadean shiga, sun hadu sun sa mutane,rashinn iya tafiyar da asusun ajiyarsu na kudade





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