‘Yan watannin da suka gabata ne dai ‘yan kasuwa suka fara nuna damuwa na karancin takardar Naira dari (N100) wanda suka ce yana illa ga harkokin kasuwancin su saboda rashin canji.
Ana cikin hakanne dai sai akai ta yada labarin cewa za’a daina karbar tsofaffin takardun kudi daga watan Disembar wannan shekara ta 2024, wannan ikirari ya sanya mutane cikin rudani. Idan za’a iya tunawa dai an fara shiga matsanancin rashin takardun Naira a karshen shekarar 2022 lokacin da aka sauya fasalin wasu daga cikin takardun kudi, haka zalika a shekarar 2023 wanda saida kotun koli ta yanke hukuncin cewa za’a cigaba da amfani da tsoffin takardun Nairar sannan aka sami sauki.
Wannan labari na daina karbar tsoffin takardun Naira dai ya yadu matuka inda ya tilasta babban bankin Najeriya CBN fitar da sanarwar karyata labarin, CBN dai ya bayyana cewa za’a cigaba da karba tare da hada-hadar kudi da tsoffi da sabbin takardun Nairar a lokaci guda har zuwa lokacin da tsoffin zasu bace. Wannan sanarwa dai ta danyi tasiri duk da cewa har yanzu wasu na wannan ikirari a cikin mutane.
Tsugune bata kare ba inji masu iya magana-domin kuwa baya ga wancan koke na karancin takardun Naira dari Sai kuma aka fara samun karancin takardun Nairar baki daya mafi akasari a arewacin Najeriya.
To ko menene ya janyo wannan karancin takardun Naira?
Wasu dai a kafafen sada zumunta na zargin yan siyasa da karbe takardun kudin domin anyi ta yada hoton wani dan majalisar wakilai a Kano ya sanya wasu makudan kudade a gaba (Alkalanci bamu tabbatar da sahihancin hoton da bidiyon ba) ana ikirarin cewa zai rabawa magoya bayansa ne. Akwai dai mutane da dama da suka wallafa cewa irin wannan abu da ‘yan siyasa sukayi ya janyo karancin takardun Nairar.
Me CBN Yace:
Da farko mun tuntubi babban bankin Najeriya CBN inda aka turowa kafar Bindiddigi ta Alkalanci sanarwar da CBN ya turawa bankuna yana gargadarsu dasu guji boye takardun Nairar Ko kuma sayarwa da wasu.
Cikin sanarwar da mukaddashin daraktan hada-hadar kudi Solaja Mohammed J. Olayemi ya sanyawa hannu yace; “Duk bankin da aka samu da hannu wajen sayarwa mutane kudi za’aci tararsa kashi goma na yawan kudaden da ka cira a bankin na ranar. Sannan duk bankin da aka samu da boye takardun kudi shima za’a hukunta shi ta hanyar daya dace.”
Sanarwar ta kara da cewa; “Yadda lokacin bukukuwa wanda mutane ke bukatar amfani da tsabar kudi ana shawartar bankuna dasu dauki matakan rarraba kudi domin ganin mutane sun sami takardun kudi don bukatu. Bankuna zasu iya amfani da ATM wajen tabbatar da cewa mutane basu rasa takardun kudin ba.”
Ina Matsayar Masana:
Bayan wannan sanarwa dai kafar bindiddigi ta Alkalanci ta ziyarci wasu bankuna inda ta samu cewa ATM na bada kudi kadan-kadan wasu basa bayarwa ya wuce dubu goma, wasu dubu biyar wasu dubu hudu. Wadanda ke bada Naira dari biyu basa bayarwa ya wuce dubu hudu yayin da wadanda ke bada Naira dari biyar basa fitar da kudi daya wuce dubu takwas su kuma masu bada dubu daya suna bada dubu goma ne kacal koda katin ATM din na bankin ne.
Mun tuntubi masanin harkokin kudi da bankuna, Aminu Dalhatu inda yace akwai dalilai uku da yake ganin sun haddasa wannan karancin takardun Naira a Arewacin Najeriya.
Yace “na daya tun lokacin da akai maganar canji kudi a karshen shekarar 2022 wanda yasa yan arewa da dama suka kai kudaden su bankuna kuma sabuwar Naira dama tsofaffin basu wadata ba.” Ya kara da cewa; “gaskiya mu a arewa ba cika amfani da bankuna ake ba amfi gane cash to kaga tunda akai maganar canjin kudi har yanzu kudin basu wadata ba saboda wasu sun boye a gidajen su.”
Na biyu Issue na bankuna saboda upgrade din nan da sukayi wanda ya dan jawo matsaloli sosai wanda yasa mutane basa son kai kudaden Su bankuna sun koma suna ajiyewa a gida. A yanzu haka mutane da dama suna dari-dari da yin hulda ta tura kudi wato transfers saboda matsalolin network da kuma yadda har yanzu wasu bankuna basu koma normal ba, to kaga dole ne a sami karancin kudin domin sai cira akeyi a banki amma ba’a kaiwa banki domin ajiya. Sannan akwai batun yawan masu Sana’ar POS shima ya taimaka wajen karancin takardun Naira a yanzu.
Na uku tun 2022 mutane na dari-dari saboda suna tunanin cewa za’a kara yin canjin kudi kaga ai ko yan kwanaki an ta yada cewa za’a daina karbar tsoffin takardun Naira wanda CBN ya karyata.
Ra’ayin ‘Yan Kasuwa:
Kafar Alkalanci mun tuntubi wani dan kasuwa mai suna Abdullahi Ibd Adam inda yace shi a ganinsa dalilan da suka saka karancin takardun Naira bai rasa nasaba da cewa ba’a fita daga lokacin Kaka ba kuma shagulgulan Kirsimeti da sabuwar shekara na karatowa; “yawancin mutane sun ne kauyika da tsabar kudi sun siyi amfanin gona, su kuma mutanen karkara dama galibin su basu san maganar kai kudi banki ba, so yan cash din da suka kamata suyi yawa a birane yanzu sun koma kauyuka kuma yawancin mutane kauye ajiyewa suke suna fito dasu kadan-kadan. Kada ma manta abokan zamanmu kiristoci na shirin bukukuwa suma wasunsu na neman cash su ajiye.”
A watannin da suka gabata dai gwamnan babban bankin Najeriya CBN yace za’a kara yawan takardun Naira da ake hada-hadar kasuwanci.
Akwai dai miliyoyin ‘yan Najeriya da suke zaune basu da asusun ajiya a bankuna kodai saboda da rashin bankunan a yankunan su ko kuma saboda rashin aminta da kai kudinsu bankin a ajiye musu.
 wanda suka ce yana illa ga harkokin kasuwancin su saboda rashin canji.){kind=link}