MAXAA KEENA IIN LACAG AY QIIMO DHACDO
Zaak Musa
Maxa keni kara in lacag ay qiimo dhacdo?
Lacag inay qiimo dhacdo waxa keeni kara sadex qodob oo asaas u ah qiimaha lacag inu is badalo
1. Korodhka lacagta ee dhaqalaha dhex wareegaysa ( basic rule of supply)
2. Hoos u dhaca isticmaalka lacagta ( use of economic activity)
3. Korodhka alaadaha lacag u dhow laguna badalli karo lacagta (substitutes of money or near monies)
Hadaba Zaad iyo Edahab ma yihiin kuwa keeni kara dhaman qodabada sadexda ee sare ku xusnay?
Qodobka koowad, Korodhka lacag ay ku badato dhaqalaha waxa uu keeni kara inuu hoos u dhigo qiimah lacag (value of money), waxaa aynu ogsoonahay in Banka dhexe yahay hayada dhaqaalaha awood u leh inuu kordhiyo xadiga lacag ee dhaqalaha wareegaya Banka dhexe sidoo kalena kana soo saari kara. Hadaba waxay is waydiintu tahay banka dhexe Somaliland lacagta uu dhaqalaha ku soo kordhiyo marka laga yimaado, ma jirta lacag Somaliland ah oo dhaqalaha wareegaysa oo ka timaada meelo kale oo an ahayn Banka dhexe? Jawaabtu waa haa, sababta oo ah waxay nu ogsoonay in Telesom iyo Somtel ay sameeyan lacago mobile money Somaliland shilling ah oo ay dawladu u ogashay inay samayn karaan kuna sii dayn kara dhaqalaha xadiga ay donaan.
Korodhka lacagaha Bank Dhexe ku soo dayay dhaqalaha iyo lacagta Somaliland shilling ah ee mobile ku jirta ee ka so baxda shirkada aynu soo sheegnay oo faraa ka baxay wa qodobka koowaad ee keenay in lacagta Somaliland ay qiime dhacdoo
Qodobka 2aad, hoos u dhacca isticmaalka lacagta dal u leeyey waxay keenta qiimo dhac lacagta dalkaasi, Sida aynu ogsoonay isticmaalka lacagta Somaliland inay hoos udhacday oo bulshada dhamaanteed ayna isticmaalin oo dhamaan lacagti dalku bakhaaro ku xaraysan tahay. Hadaba maxay tahay sababta hoos u dhigtay isticmaalka lacagta dalkeena, waxaa xusid mudan in istiicmaalka lacagaha mobilka ay kordheen sanadadi u danbaysay, bulshaduna isticmaalki lacagta dalka ku badaleen lacagaha loo yaaqaan Mobile Money, taasi waxay meesha ka saartay dhaman isticmaalki iyo wareega lacagti dalku laha, waxayna dhaman bulshadu dhaqdhaqaaqa dhaqalaha dalka dhamanati ku u isticmaalan Mobile Money (ZAAD IYO EDAHAB).
Qodobka 3aad, korodhka alaadaha lacagta u dhigma (near monies or money substitutes): Zaad, Edahab iyo lacagta dollar ka ee dalka taala waxay badaleen lacagti dalka laha, dhamaan shaqo kasta oo lacagtu qabato, haday tahay ku iibsiga alaabta iyo adeega, ku qiimaynta alaab iyo adeeg iyo kaydsiga lacagta ee bananka waxa loo isticmaala alaadaha u dhigma lacagta dalkeena bulshaduna waxay joojisay lacagta dalkeena, sidaas awgeed waxaa aynu garan karna wakhtiyadi hore ayna jirin Zaad iyo Edahab waxa la isticmaali jiray lacagta dalka, hada wakhtiga jooga waxa meesha ka saaray alaadaha u dhigma lacaga ee meesha ka saaray lacagti dalku laha.
Side ayaa kor loogu qaadi kari qiimaha lacag ee dalkeena?
Xaga hore waxa ku soo sheegay in qiima dhaca lacag ay keenan sadex qodob ee sare ku xusan, talaabo walba oo lagu haagajin karo sadexda qodob ee sare ku xusan waxay soo celin doonta qimaha lacagta dalkeena, waxana kamida
1. Kor u qaadida awooda banka dhexe, oo ku suurta galaysa in la joojiyo lacagaha Mobile somalilland shilling ee ay sameeyan shirkada Telesom iyo somtel waxay na keenaysa in dadku ay dib u isticmaalan lacagta dalku leeyey marka kuwasi meesha ka baxan
2. In kor loo qaado isticmaalka lacagta dalka, haday tahay iibka, ku qiimaynta alaabta iyo adeega loo isticmaala lacagta dalka, tusaale ahaan ibsiga dhulka in loo isticmaalo lacagta dalkeena waxay kenaysa ina isticmalkedu kordho qimana yeelato
3. In dawladu xakamayso dhamaan alaadaaha meesha ka saaray lacagta dalkeena, taasi oo kor uqaadi doonta qiimaha lacagta dalkeena, waxa kale xusid mudan in wax soo saarka dalka kor loo qaado si looga maarmo alaabta laga soo waaarido dalalka dibada
W/Q; ZAKARIE MOUSE (BARRE SARE KA DHIGA JAAMACADAHA DALKA)