Doorka Bangiga Dhexe Ee Ku Aadan Xakamaynta Sixir Bararka Iyo Saamayta Adeegayda Lacagaha Mobilada.
Hadaba hadaynu isla soo garanay nooca sixir barar iyo wixii dhaliyey iyo sidii loo xakamaynlaha ee aan kaga faalooday qoraalkii hore hadaba suashu waxa weeye door intee leeg ayuu bangiga dhexe( central bank) ka ciyaari kara xakamaynta sixir bararka(inflation) iyo saamayn intee leeg ayey lacagaha mobiladu ku leeyihin sixir bararka.
DOORKA BANGIGA DHEX EE KU AADAN XAKAMAYNTA SIXIR BARARKA;
Awood sharci ayaa bangiga dhex siinaysa inuu yahay ka kaliya ee soo daabca lacagta wadanka gooyana sarifka suuqa lagacaha qalaad( foreign exchange market) iyo hirgalinta siyaasadaha kala duwan ee lacagta (monetary policy) iyo qaar kalo badan. lakin waxad mooda in manta Somaliland shaqadii bangiga dhex ay qabtaan ganacsato gaari oo aanu shaqadiisa ka soo bixin bangiga dhexe taaso keentay in sixir bararku aad u saameeyo Somaliland, bangiga dhex door wayn ayuu ku leeyey sixir barar maxaa yeelay shaqadiisa ayey dad gaari qaybtaan oo aan u danaynayn shacabka .hadaba xaalada jirta bangiga dhex(central bank) wuxu ku xakamayn kara sida tan;
- In bangiga dhexe ka war hayo lacagta suuqa ku jirta ( circulation of money in the market) si uu ogaada in xadiga lacag ee suuqa ku jiraa badantay iyo in xadiga lacagaha qalaad ee suuqa ku jira ay ka yaryihin lacagta wadanka ee suuqa ku jirta si la isugu dheelitiiro oo lacagta wadanku qiima u yeelato loogana hortago xaalada “lacag badan oo caydhsanaysa alaab yar”(too much money chasing few goods).
- In bangiga dhex yareeyo dabaacada badan(excessive printing) ee lacagaha waa wayn sida 5000(shanta kun) iyo 1000(kunka) lana soo badiyo lacagaha yar yar sida 500(shanta boqol) iyo 100 ( boqolka) iyo 50( kontanka ) si lacagta wadanku qiimo u yeelato. Iyo in bangiga dhexe hilgaliyo siyaasadaha guud ee lacagta (monetary policy) si loo dhexdhaxaadiyo lacagta suuqa la galiyo ( supply of money).
- In bangiga dhex uu noqdo ka kaliya ee gooya sarifka suuqa ee lacagaha qalaad (foreign exchange market) taaso ay awood dastuuriyi siinayso, awoodna yeesha in lacagta kaydka ee bangiga dhexe( reseve requirements) kor loo qaado si lacagta wadanku qiimo u yeelato awoodan marka dollorku yaraado in uu soo galin karo lacag, awoodana in uu sarifi karo xadi kasta oo lacageed ee loo baahdo. Iyo In uu xakameeyo daymaha (control of credit) waaana waxyaabah ugu waa wayn ee shaqada bangiga dhexe .
SAAMAYNTA ADEEGYADA MOBILE MONEY GA;
Hadii aynu intaa isla soo garanay hadaba lacagaha mobile money gu saamayn ma ku leeyihin sixir bararka?. Marka hore adeega lacagta mobilada waa adeeg si mug wayn loogu amaano isku xidhnaanshaha dhaqaale ee wadamada soo koraya (developing countries)
Waa la isku raacsanyey in adeega mobile money gu saamayn togan iyo tabanba ku leedahay dhaqaalaha wadamada soo koraya( developing countries) hadaba samayn ma ku leeyey sixir bararka?
Jawaabtu waa “haa “oo sixir barar ayuu keena adeega mobile money gu hadii loo isticmaalo lacag qalaad (foreign money) oo waliba wax lagu kala iibsado oo ay yeelato awood wax iibsi (purchasing power). Maxaa yeelay waxan jirin xadayn (restriction) la saaro shirkadaha bixiya adeegyada noocani tusaala ahaan wadamada jaar keena sida Kenya iyo Uganda waa laga isticmaala adeeyada lacagta mobilada lakin way xadaysanyihin, waa ta koowaade waxa loo isticmaala isku xidhka dhaqaalaha ee gobalada wadanka oo ah (remittance of region to region) sida xawaalada wadanka gudiisa , ta labaad wax laguma kala iibsado mana laha awood wax iibsi (purchasing power) lacagta uunbad dhigan karta lana bixi kartaa, waa ta sedexaade lacagta wadanka ee shillinka ah oo kaliya ayaa loo isticmaala.
Hadaba wadamadan aan soo sheegay saamayn kuma yeeshan adeegyada lacagaha mobilada maxaa yeelay way xadaysan yihiin (restriction) hadaba waxa loo xakamayn kara saamaynta adeegyada mobile moneyga iyada oo xadayn loo sameeyo(restriction) shirkadaha bixiya adeegyada lacagaha mobilada somaliland waxa lagu xakamayn kara iyadoo xadayn(restriction) loo sameeyo sida wadamada jaarkeena waxana ka mida ;
- In shirkadaha bixiya adeeyada lacagaha mobilada (mobile money service) loo sameeyo xadayn(restriction) sida in lacagta shillinka oo kaliya loo isticmaalo adeeyad lacagaha ee mobilada lakin hadii la yidhaa 100$ wax ka yar yaan loo isticmaalin maaha xadayn maxaa yeelay wali lacag qalaad (foreign money) ayey ku shaqaynasaa waana wax yaabah dhaliya sixir bararka ,waa hadii la rabo in la yareeyo saamayta ay adeegyada lacagaha mobiladu ku leeyihin sixir bararka.
- In loo isticmaalo isku xidhka dhaqaale ee wadanka gobaladiisa( remittance of region to region)oo aan loo isticmaalin wax kala iibsiga maxaa yeelay waxa yaraanaysa isticmaal lacagta wadanka (use of money) iyo awooda wax iibsiga lacagta (purchasing power) taaso dhalisa qiimadhaca lacagta (devaluation of money).
- In isku dirka lacagaha mobilada ay shirkaduhu dulsaaran lacag bixin (charges) yar si ay isticmaalkeeduna u badan dadka ku shaqaystaan ugu faaidaan, maxaa yeelay hada shirkadaha uunbaa faaido qaba dadka isticmaala ee ku saqaysta faaido kuma qabaan.
MUSTAFE HASSAN ABDI –BUKHARI
STATISTICIAN/ ECONOMIST/ MATHEMATICIAN.
EMAIL: bmustafe2@gmail.com
ISLAMIC UNIVERSITY IN UGANDA