Writen by Qaran News |

Sicir bararka (inflationlka) sida dalalka hore u maray wax ay ula tacaalaan sida aafooyinka dabiiciga ah sida dhul gariirka, dhul go,a, iyo tsunamiga , iyo volcaanooyinka holca.
Waxaan had iyo jer uga meel yaal siyaasad qeexan oo hore loo dejiyey qorshaheeda sidii wax looga qaban lahaa iyada oo dawladda jirta ay muwaadiniintooda u heegan sidii aafadaas daawo loogu heli lahaa sabta saar ah dhib dhaqaale xumo, iyo saboolnimo baahsan looga gaashaaman lahaa. Sidaas darteed
Waxaan rabaa inaan halkan waxa ka yara taataabto aafdan inaga tegi weyday ee sicir bararka ama ah dollar barar ah.Haddii aynu milicsano ascaarta addunka sida batroolka, wax ka soo go,a beraha sida bunka, sonkorta,bariiska iwm addunka wax qiimahooda is bedel ahi kuma dhicin. laakiin waa wax aynu inagu iska samaysano oo ah mila awaal (speculation) ku sayn leh weeyaan. Ta kale qiimaha waxa ay kordhoyaan kuwa iibiya (sellers) dib uma soo celiyaan kordhkaas, waxaana u sabab ah wax ka maqan meesha dabarkii iyo shakaalkii lagu xakamayn lahaaoo ah xeer qeexaya sida loo ilaaliyo inaan iibsadaha sida la doono badeecadaha uu iibsado loogu kordhin. Waxaan loo qabaa baahi weyn in la sameeyo guddi ama (commission) loo yaqaan (consumer protection unit) ka kooban wasaaraddaha ganacsiga iyo maaliyaddu iska kaashadaan.
Markaas qodobadan hoos ku qoran ayaan isleeyahay malaha wax uun bay ka tari la haayeen haddii lagu dhaqmo qaarkood iyo kuwa kale oo cid kale ku biirin lahayd.
1)Waa in ay meesha laga saaraa laba lacagayowoo is barar socda oo maalin kasta wax lagu kala iibsado sida dollar iyo shillin. Oo labaduba dhex maraan Zaad ku xidhan Telefoon satellite oo haddii cilad ku timaado iibsiga joogsanaayow markiiba, oo daawo u ah in marka shillinka ku wareega keli suuqyadda shillinka qiimo yeeli lahayd.
2)Waa inuu bankiga dhexe uu hayaa jaangoyanta (foreign currency circulation) lacagta adage e dalka soo gasho kana baxda. Taas oo qaybta hawsha bankiga ee loo yaqaan ( Foreign Exchange control Dept) la nooleeya oo hadda xitaa magic ahaan jirin ba.
3)Waa bankiga dhexe ku soo rogaa khidmad loo yaqaan (Central Bank Exchange Commission) taas oo banka dhexe ka qaado bananka ganacsiga ee dalka ka furan oo dhan wixii ay sarrifaan ama diraan ama xawalaad ama jeeg dibeadeed (Draft cheque) oon culays lahayn una dhiganta (0.04 ila 0.10).
4)Waa in baankan ganacsiga ee dalka ka furan xisaab ku yeesheen banka dhexe oo ah baanka baananka xaga ooy ku dhaqman siyaasada (State Financial Regulation Act).
5)Waa baananka ganacsiga ee dalka ka furan laga hayow dhigaal damaanad ah oo dhiganta (30% of their capital) boqolkiiba soddon raasmaalkooda oo aanay la qaadin Karin si dadka wax dhigtaa ee baanka ku keysada ugu noqota damaanad haddii uu kaco ee loo yaqaan (statutory Deposit) Waa inaan baangi la iska furan aan wax damaanad ah laga hayn.
6)In la bilaabo habka loo yaqaan LCyada (letter of Credit loo yaqaan (Back to Back) oo baan ku yaal UAE, Maleysia ama Ethiopia dal kasta aynu saaxiib nahay inoo furo alaabtana Berbera ka soo degto si loo soo hubiyo waxa inoo soo degayaa tayadooda loo hubiyey.daawooyinka iyo wax la cuno iyo qalab kasta.
7)Ganacsata yaryar loo sameeyo habka lacagta yar 2000 ila 5000 banka ku siin karo habka Dform application. *habka dalabka loogu saaro dalka lacagta adag. Waa marka habka LC (letter of Credit) hirgalo.
8) Wax alle wixii fees ah waa in lagu bixiyaa lacag shillin Somaliland ah. Iyana shaqaalaha ajenbiga sida macaliiminta iyo dhaktardaa waa inay musharkooda 50 pct la bixin karaan 50 kelna dalka ku isticmaalan ilayn inagu ma nihin dal batrool dhoofiya oo leh suuq xor ah ama ( free market).
9)Waa inay jiraan guddi (commission)_ ka sicirbararka oo si joogta ka wada shaqeeya talo iyo tusaalooyin ka bixiya halka xaal marayo iyo wax ka qabad iyo maarayn Baanke dhexe iyo wasaaradd a maaliyadda.
10. Waa in la furaa baanan ajenbiya oo ganacsiya ama kuwa maalgashiga (commercial and Investment Banks) oo wax badan ka tari karo koboc dhaqaale iyo shaqo abuur.
11. Waa in ka fura Bangi horumarineed oo ka qayb qaata kobaca dhaqaalaha ee dalka sidii loo horumarin lahaa wax soo saarka beeraha, macdanta, warshayadaynta fudud. kaluumausigamiyo milixdda oo maalgeliya muwaadiniinta hawshaas u heegan ee u baahan gacan qabasho buuxda. Taas oo wacx badan ka tari karta inaynu u dhoofino Ethiopia oo qaadka lacagta inaga baxda dheelitir 50 pct (offset) samayn lahayd.
12. lacagaa xawaladaha ama baananka dibedda ka soo gala waa in 50 pct lagu siiya somaali shillin inta kalena lagu siiya dollar. OO weliba bangiga dhexe ka iibsan karaa marka ay isa soo dhawaadaan sicirkoodu. Taas oo heshiis lala geli karo Dahabshiil iyo Salaama Bank oo hadda 1000 jeerka awood badan (State ka) oo looga baahan yahay wada shaqayn iyo iskaashi buuxa.
13. Sidaad ogtihiin lacagteena malaha lacagta macdanta ah sida (coins) silver ama copper qadaadiic oo lacagteena qiimaheeda wax ka dhiman yihiin. ( face value currency circulation deficiency)) lana soo celiyow 100 ka iyo 50ka ( note) ka ah. waxaanay nahay dalka qudha adduunka oo lahayn lacag macdan iyo maar ah lahayn. Wayna jirtaa baahidaas in la soo daabaco.
14.Cashuuraha laga qaadow waxyaabaha aan loo baahnayn ee raaxada ah sida baabuurta, waxa la isku qurxiyo,sigaarka,electronics cashuurtooda lagu kordhiyaa.

Wa bilaahixi tawfiiq

Ahmed Mohamed Arr (Khadar)
Ex Banker (under student Institute of Bankers London).

Og. Guddoomiyaha Guddida la dagaalkan Sicirbarka ee Somaliland.