Kasuwanci

Yadda tsarin cire kudi na CBN zai sa ‘yan Najeriya su taimaka wa gwamnati ta biya bashin Naira Tiriliyan 42 da ake bin kasarnan.

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A ranar Talata, 6 ga watan Disamba, 2022, Babban Bankin Najeriya (CBN) ya ba da sanarwar takaita fitar da kudade ga daidaikun mutane da kungiyoyi.

Manufar za ta fara aiki a ranar 9 ga Janairu, 2023.

Takardar ta nuna cewa za a takaita wa mutane Naira 100,000 a duk mako wajen cire kudi (ta hanyar kanta, ko da injinan hada-hadar kudi.

Tun bayan bayyanar da manufar, ‘yan Najeriya da dama sun yi musayar ra’ayi daban-daban.

Ɗaya daga cikin kyakkyawan sakamako da masana ke tsammani daga wannan sabuwar manufar ita ce yadda za ta haɓaka kudaden shiga na gwamnatin tarayya.

A halin yanzu dai Najeriya na cikin matsalar bashi kuma karancin kudaden shiga ya zama babban ciwon kai.

Babban tushen kudaden shiga na Najeriya, man fetur, ta daina dogaro.

Tsoron gaskiya ne, kuma mai ba shugaban kasa shawara kan harkokin tsaro, Manjo Janar Babagana Monsuno, a ranar Talata ya kiyasta cewa Gwamnatin Tarayya na iya yin asarar dala biliyan 23 a shekarar 2023 idan aka ci gaba da satar danyen mai.

Bankin Duniya ya kuma yi gargadin cewa Najeriya na iya kashe kusan kashi 160 na kudaden shiga wajen biyan basussuka a shekarar 2027.

Tuni bayanai suka nuna gwamnatin Najeriya daga watan Janairu zuwa Afrilu, ta kashe kashi 119 cikin 100 na kudaden da ta ke samu wajen biyan basussuka.

Wannan dai wata alama ce da ke nuna cewa kasar na gab da shiga wani mawuyacin hali na kasafin kudi, domin wannan ne karon farko da bashin da ake bin kasar zai kai ko ya zarce kashi 100 cikin 100.

CBN na neman taimakawa

Haraji na daya daga cikin ingantattun hanyoyin magance matsalar tabarbarewar kudi a Najeriya da kuma hada-hadar kasuwanci na kawo fata.

Ripples Nigeria kwanan nan ta ba da rahoton cewa hada-hadar lantarki a cikin watanni tara (Janairu zuwa Satumba) na 2022 ya kai Naira tiriliyan 272.

Wannan kari ne da kashi 42 cikin 100 idan aka kwatanta da Naira tiriliyan 216 na cinikin da aka yi a daidai wannan lokacin na shekarar 2021.

Tare da sabon tsarin kuɗin na CBN, ana tsammanin adadin hada-hadar lantarki zai ƙaru, kuma hakan na iya haifar da ƙarin kuɗi ga gwamnati.

Taiwo Oyedele, shugaban sashen bayar da shawarwari na haraji da kamfanoni na PwC, duk da cewa bai gamsu da matakin na CBN ba saboda kalubale da dama a harkar hada-hadar kasuwanci, ya nuna jin dadinsa game da yuwuwar hakan.

A cewarsa, CBN ta tilastawa wasu hada-hadar kasuwanci ta hanyar lantarki zai rage girman tattalin arzikin bakar fata da kuma samar da karin basira ga hukumomin haraji don fadada hanyoyin haraji zuwa ayyukan tattalin arziki wadanda a baya suke karkashin radar.

A Dokar Kudi ta 2020, wanda Shugaban Kasa Muhammadu Buhari ya sanya wa hannu, zaman mai lamba 89A, ya sanya harajin da ake kira Electronic Money Transfer Levy a kan rasit na lantarki ko na lantarki na kudin da aka ajiye a kowane banki na ajiya ko cibiyar hada-hadar kudi, a kan kowane nau’i da za a yi lissafi da kuma bayyana don karɓa daga wanda aka yi wa canja wuri ko ajiya.

Dokar ta kara da cewa: “Za a dora harajin ne a matsayin cajin N50 daya-daya a kan rasit na lantarki ko na lantarki a cikin kudi N10,000 ko sama da haka.”

Haka kuma akwai wasu cajin lantarki da CBN ya amince da su, daya daga cikinsu shi ne amfani da USSD wajen hada-hadar banki, wannan ya jawo karin harajin kaso 7.5% na N6.98.

Sauran kuɗin cire ATM, kuɗin kula da kati, da kuɗin canja wurin banki na banki suna taimakawa haɓaka ribar banki da ƙara harajin shiga na kashi 30 cikin 100 ba tare da ɓata lokaci ba.

Wannan sabon kayyade tsabar kudi na CBN dai tabbas zai samu gagarumin ci gaba a Najeriya, inda zai samar da kudaden shiga domin biyan basussukan da ke kara yawa.

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