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Daraasad: Saamaynta Uu Keeni Karo Go’aamada Ay Soo Saareen Gudiga Sicir-bararku

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Thursday February 08, 2018 - 10:45:29 in Maqaallo by Reporter Burco
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    Daraasad: Saamaynta Uu Keeni Karo Go’aamada Ay Soo Saareen Gudiga Sicir-bararku

    Qodobka 1aadwuxu odhanayaa waa in dawlada dhexe yeelato hal xisaab (Account) lagu shubo dakhliga dawlada.Qodobkani waxa uu ka hadlayaa arin maamul mana cada saamayta uu ku yeelanlkaro sicirbararka.

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Qodobka 1aadwuxu odhanayaa waa in dawlada dhexe yeelato hal xisaab (Account) lagu shubo dakhliga dawlada.Qodobkani waxa uu ka hadlayaa arin maamul mana cada saamayta uu ku yeelanlkaro sicirbararka.

Qodobka 2aadwaxa uu odhanayaa in cashuurta jaadka iyo ashyaada kale ee dhibta u keeni kara bulshada la kordhiyo.Sideedaba sicir bararka waxaa lagula dagaalamaa monatry policy ama physical policy,marka sicirbarar iyodoo lala dagaalamyo cashuurta la kordhiyo siyaasada loo isticmaalo ayaa laiyadhaa physical policy waana arin ku hoboon manta in cashuurta qaadka la kordhiyo maxaa
 yeelay qaadku bulshada waxa uu ku hayaa dhib aad u badan balse xadigan yar ee qaadka lagu kordhiyay oo noqonkara maalintii 25,000 USD-30,000USD waxba ka tari mayso dhibaatada sicir bararka.

 

Qodobka 3aadWuxu odhanayaa shirkada E-dahab iyo Zaad waxay samaysan karaan lacagta $ dolarka electroniga ah $100 iyo wixii ka badan,iyo inay waliba adeegyadooda sida ku shubashada telefoonada iyo internetka lagaga iibsandkaro $100 wixii kayar .

Sida uu dhigayo Cutubka 5aa Qobobkiisa 32aad ee Xeerka Banka Dhexe ee Jamhuuriyadda Somaliland ee golaha wakiiladu ansixiyeen 02/04/2012 isla markaana Madaxwaynaha Jamhuuriyadda Somaliland xeer ku meel marayay 12/04/2012 waxa uu dhigayaa in lacagta sharciga ah ee dalka Jamhuuriyadda Somaliland ay tahay Somaliland Shiling SLSH. Hadaba sidee ayay isku wafaqayaan xeerka baanka iyo go,aanka gudiga qiimo dhaca SLSH.

Waxaa jirta marka qof muwaadin ahi lacag ka codsado inay ugu shubaan mobile-ka shirkadaha isgaadhsiinta ee ay u dhiibaan tusaale ahaan USD 10.fariinta uu qofka muwaadinkii ka helayaa waxay noqonaysaa waxaad ka heshay Zaad $10 ama E-Dahab $10.Caalamada $Dolar waxaa isticmaala wadamo badan sidaa daraadeed waa in ay Message /fariinta ay ku cadaata lacagtaasi inay tahay 10 USD.

Hadaba miyaanay ahayn in xukuumadu ilaaliso hantida shacabka oo ay shirkaduhu u cadeeyaan in lacagta ugu jirta dadwaynaha mobile-du ay tahay lacag USD oo fariinta laga helayo shirkaduhu marka lacag loo dhiibto ay cadahay lacag taasi waxa ay tahay.

Qodobka 4aad waxa uu odhanayaa waa in shirkadaha ganacsiga ee Oomar,Dahabshiil iyo Telesom ay jojoyaanka ganacsiga isubadalka lacagaha.

Shirkadahani waxay sameeyaan speculation ,speculation-ku waa nidaam ganacsi oo looga faa,iidaysto marka qiimaha lacagta dal leeyahay baaxaadagayo marka loo eego lacagaha qalaad sida USD, shirkadahani madaama ay yihiin shirkadaha lagu soo xawilo lacagaha dibada ka yimaada oo ay hayaan xogta rasmiga ee lacagta dibada ka timaada waxa ay sameeyaan speculation oo marna dolar ayay urursadaan, marna SLSH ayay urursadaan waxaanay marwalba ka sameeyaa faa,iido gaadhaysa 12%(boqolkiiba laba iyo toban ) lacagta USD ee dalka soo gasha.

Qodobkani waan ku hambalyaynayaa gudiga. Waxaanu keeni doonaa samayn wanaagsan oo waxtar u leh dhaqaalaha dalka .

Qodobka 5aadwuxuu odhanayaa Lacagta shilinka Somaliland shirkada Dahabshiil iyo Telesom waa in ay ka dhigaan mid aan xadlahayn isticamaalka dhigitka lacagta electroniga ah ee E-Dahab iyo Zaad.

Hadaba inta aynaan ka hadal saamaynta uu qodabkani ku yeelan koro qiimaha shilinka Somaliland bal aynu is waydiino yaa samaykara lacag ha ahaato physical money oo ah lacagta hore aynu u isticmaalijiraynay ee warqada ka samaysan (paper money) ama Electronic Money oo ah lacagta la isugu diro mobilada sida ZAAD iyo E-DAHAB.

Lacag waxa samaynkara Bangiga Dhexe (Central Bank) ha ahaato Physical money ama Electronic money.

Electronic Money wax uu kala baxaa.

  • Digital Base Money ( DBM).

Digit Base money waxaa soo saara ama sameeya bangiga Dhexe (Central Bank) waxaana ka qaata ama uu siiyaa Commercial Bank ama ganacsatada kale ee Bangiga dhexe xisaabi uga furantahay .

B- Broad Money.

Waa Electronic Money ay sameeyaan bangiyada ganacsigu(Commercial Bank) marka ay bangiga dhexe(Central Bank) ka helaan Digital Base money kamana badankarto xadiga uu u qoondeeyay bangiga dhexe,waxaana dhaqdhaqaaqooda la socda Bangiga dhexe.

C-Dhibaatada ugu wayn ee ka imankarta Electronic Money (Disadvantage of electronic money) ee ay isku raacsan yihiin khubarada dhaqaaluhu waxay tahay in hadii uu bato isticmaalkeedu Bangiga Dhexe aanu kantarooli Karin sidaa daraadeedna uu ka dhalankaro qiimo dhac ku yamaada lacagta (Inflation ).

Hadaba mar hadii baanka dhexe ee Somaliland aanu lahayn nidaamka electronic money ama aanu soo saarin digital base money suurtagal maaha in Somaliland lagu isticmaalo Electronic Money.

Go,aanka gudiga sicir bararku ay shirkadaha qaar ugu fasaxday lacagta SLSH electronic ah oo aan xad lahayn inay samaystaana,lacagta SLSH waxa ay ku keeni doontaa qiimadhac aan hada heerkiisa la saadaalinkarin.

Hadaba Waxaan soo jeedinlahaa.

  • lacagaha electronic money-ga ah ee dalka kashaqeeya waa in hayadahaXeer-ilaalinta qarankaiyoBangiga Dhexe ka gutaan waajibkooda oo shuruucda dalka iyo kuwa caalimaga ah ee wadamada inoo dheexeeyaba la waafajiyo .Waxaa waajib ah in qofwalba iyo shirkadwalba lacagtaydoonaan ha haystaane Sharcigu Kasareeyo.
  • Majiro Wadan aduunka ka mida oo ay ka shaqayeen laba lacagood ha ahaadaan Phsical money (paper money) ama elcectronic money.markaa waa in la joojiyo lacag aan ahay tan soomaliland inay wadanka ka shaqayso.
  • Madaama aanu Bangiga dhexe (Central Bank)samaynin lacag Electronig ah Digital Base Money (DBM) waa in wadanka laga joojiyaa lacagta electroniga ah ee shirkaduhu iskood u samaystaan si loo badbaadiyo dhaqaalaha wadanka .
  • Qiimaha lacag dal leeyahay waxaa la ilaalinkaraa marka suuqa ganacsigu raacayo qaacidooyinka suuqa dhaqaalaha xorta ahi ku shaqeeyo ee ay suuqa ku kulmaan ganacsada wax soo dajisa ee haysata liisanka wax soo dajinta (Import license) iyo ganacsatada wax dhoohofisa ee leh liisanka wax lagu dhoofiyo (Export license),balse inta ay suuqa ku jirto gacan seddexaad oo lacagta adag (Hard currency) USD suuqa kaga nuugaysa Electronic money ay dadgaar ahi ay samasteen oo aan qiyaas lahay ma suuroobayso in lacagta dalka SLSH qiimaheeda dawladu ilaaliso sixir bararna waa lama huraan.

Qallinkii: Hassan Ibrahim Fadan



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