Wadan kasta ha yaraado ama ha waynaado, haddii uu yahay kuwa badhaadhay ee hodanka ah ama mid sabool ah, ha la aqoonsado ama yaan la’ aqoonsan waxa lagama maarmaan ah in

uu yeesho baan dhexe; hawlaha ugu muhiimsan ee uu dalka u hayo waxa ka mid ah :

In uu ilaaliyo qiimaha lacagta dalka si aanay u noqon mid aan fadhiyin oo iska baaxaa degaysa. Qiimaynta iyo ogolaanshaha ama diidmada baananka ganacsiga (Trustworthiness) iyo Hay’ad kasta oo ka shaqaysa hawlaha lacagta (any financial Institution) sida xawaladaha.

waxa kale oo ka mid ah in baananka ganacsiga iyo xawaaladaha lacagaha la dhigto damaanad ahaan baanka dhexe ka hayo 25% hantida loo diiwan geliyay si loo ilaaliyo hantida muwaadiniinta sidii dhawr jeer oo horeba looga dhacay lacago malaayiin ah, baanka dhexe waxa kale oo uu door ku leeyahay talada iyo jaan goynta dhaqaalaha dalka.

hadaba baankii dhexe ee soomaliland magac ahaan wuu jiraa hase ahaatee shaqadii laga rabay  ma hayo shaqadiisii inta badan waxa maamulo xawaalado sidii baan u shaqeeya  iyaga oo wax rukhsad ah (License) ka haysan baanka dhexe, dadweynuhu waxay ku kaydsadaan lacagaha adag iyaga oo wax damaanad qaad ah haysan.

Su’aal: maxay dadku u aamineen oo loo aamini wayay baanka dawlada?  Jawaabtu way fududahay masuuliyiintii kala danbaysay iskumay taxalujin in la abuuro jawi bulshadu ku kalsoonaan karto inay lacagtooda dhigtaan baanka dawlada.

Somaliland waxay bulshada caalamka u sheegtaa  inay wax badan qabsadeen waa run waana xaqiiqo jirta lakiin maxaad kaga jawabaysaa hadii lagu waydiiyo oo maxaad u samaysan  waydeen baan dhexe oo shaqeeya? Geesta  kale waxa mudo dheer  Golaha wakiilada hor yaalay xeerka baanka Islaamka & baanka ganacsiga si loo ansixiyo runtii waxa la odhan karaa waa xeer ku soo anbaday wakiilada, waa shaqadii baanka dhexe isaga ayay u taalaa inuu ansixiyo ama is hor taago cidii ogolaansho ka soo dalbata waxase la yaab leh Golaha wakiilada ee iska xanbaartay ee dib ugu soo celin wayay baanka dhexe, waxa ka sii la yaab badan markii ay ansixiyeen xeerka baanka Islaamka kii baanka ganacsigana hoosta la dhigay.

si kastaba ah ahaatee u malayn mayo in ay madaxda baanka sidani aqoon daro ka tahay maxaa yeelay waa rag aqoon sare iyo waayo aragnimo u leh shaqada baananka waxa se lagu tilmaami karaa inay ka tahay dhayalsi iyo is xilqaan la’aan waxa la doonayaa inuu iska sii ahaado khasnad lagu soo ururiyo dakhliga dawlada bishu markay dhamaatana lagala baxo.

waxaan jirin hal abuurkii  iyo in la curiyo fikrado iyo habkii lagu dhaqaajin lahaa hawlihii baanka dhexe, waxaad moodaa  in ay amar ka sugayaan meelo kale.

waxa laga yaabaa in dadka qaarkii rumaysan yahay in baanka dhexe u  fadhiyo ama sugayo aqoonsiga Somaliland, maya waxa xidhiidh ah oo ka dhexeeyaa ma jiro waxna kagama xidhna aqoonsi la’aanta Somaliland.

waxa xiiso leh oo iyana xusid mudan Somaliland oo is barbar wada laba baan oo la kala siinaayo laba fasiraadood oo kala duwan iyaga oo isku mid ah ( Baanka Islaamka & Baanka Ganacsiga) labaduba waxay rabaan inay faa’iidaan iyo macaashka ugu badan.

inta badan dadku wuxuu yaqaanaa baanka ganacsiga iyo adeegyada ay qabtaan hadaba baanka Islaamku isagu muxuu qabtaa oo uu kaga duwan yahay kuwa kale? Jawaabta ka hor baanka Islaamku wuxuu soo ifbaxay 1970’s fikrada waxa lahaa aqoonyahano reer bakistan ah waxa laga soo dhaweeyay dunida  Islaamka gaar ahaan waxa si weyn u taageeray boqorkii hore ee sucuudiga Faysal binu Cabdi casiis iyo madax kale, waxa la rajaynayay in uu ku shaqayn doono nidaam waafaqsan Diinta Islaamka iyo inuu ku dherarsado ama la tartamo banaanka tadhahay ee reer galbeedka sida Chase Manhattan Bank, Standard Chartared Bank, Rothschild&sons, JP Morgan IWM.

hase yeeshee ma hana qaadin sababta oo ah lama uu iman ujeedo iyo adeegyo ka duwan kuwii bananka kale iyo waliba isaga oo lumiyay kalsoonidii macaamiisha iyo dadkii taageeri jiray markii qaar ka mid ah lagu eedeeyay musuq-maasuq iyo wax isdaba marin sidaa daraadeed waxay ka hawl galaan dalal tiro yar oo wali dadkood lagu soo jiidan karo erayga Islaam ee laga horaysiiyay Baan.

kolayba idinka oo u qaadan doona sida xun iyo in laydin maagayo hadana yeelkeede waxaan idiin ku baraarujinayaa talooyinkan oo laga duuli karo:

1.       In dedaal xoogan lala yimaado sidii loo hirgelin lahaa Baan dhexe oo shaqeeya idinka oo ka jawaabay baahida dalku u qabo.

2.       In lala yimaado siyaasad  furfuran oo lagu dhiiri gelinaayo furashada baanan ganacsi si shirkadaha danaynaaya maal-gashigu ugu soo hirtaan

3.       In si degdeg ah License- ka loo siiyo baananka soo codsaday dhawar sanadood ka hor oo uu ka mid yahay BCIMR, CAC IWM.

4.       Caano daatayba dabadood la qabay, in xawaladaha dalka ka hawl gala loo sameeyo diiwan gelin cusub iyo in laga hayo lacag deebaaji ah

5.       In shaqaalaha la siiyo tababaro wax ku ool ah oo kor loogu qaadayo aqoontooda iyo xirfadaha lagaga shaqeeyo bananka casriga ah

By. Cabdirahmaan Caddami

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By info

Motivated, teamwork-oriented, and responsible manegment , Development, Data analyst with significant experience in increasing comprehension of reports and presentations, and working in the Somaliland media, human rights, social affairs, democracy and the nation-building process for the past two decades, by the average professional.experien and Highly educated, possessing a Professional Certificate of Journalism ,DIploma and BA Journalism and Politics.

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