Sida La wada ogyahay, bananka loo yaqaanno Banka Ganacsi Amma Commercial Bank waa bank Xukuumaddu rukhsad u siisay inay qabtaan lacagta shacabka – xiliga dheer amma xilliga dhaw.
Cid aan ahayn Bank Ganacsi xaq uma laha inay shacabka amma shirkadaha lacagtooda u hayaan.
Banka Ganacsigu waa Lacag Yahe Liisan La Siiyay ( Licensed Deposit Takers)
Sidaa awgeed, lacagta banka taalla shacabka ayaa iska leh – Ma laha cidda banka mulkiyaddiisa iska lehi. Arrinkaas waa in aad loo fahmo oo hoosta laga xarriiqo.
Taasi waxay keentay, in bananka Ganacgi ee Adduunka oo dhan laga mamnuuco inay maalgashadaan ganacsiyo kale sida Waaridka, Dhulka iyo Dhismaha (Real Estate) , gaadiidka, Isgaadhsiiinta IWM.
Sababta sidaa loo yeelay waxay tahay, in mar haddii xoolaha Banka yaalla ay ummaddu iska leedahay, inaan banka loo ogolaan inuu dadkii lacagta u dhiibtay lacagtoodii kula baratamo oo wixii ay ka ganacsanayeen isaguna faraha la soo galo.
Intaa waxa dheer, inay mamnuuc tahay in cidda Banka iska lehi ay isla bankii lacag ka amaahdaan, haddii aan laga haynin dammanad 100% oo cash ah (Cash or Liquid Funds) . Waxaa sidaa loo yeelo sababahan soo socda:-
Cidda banka lehi waa inaanay kantrool la’aan xoolaha ummada dhul iyo badeecado ku iibsan.
Haddii cidda banka iska lehi khasaarto waa in aanay lumin xoolaha amaanada ah ee ummaddu banka dhigatay.
Waxaa had iyo jeer la dhawraa amma la Kontaroolaa inay dadku lacagtooda helaan markay u baahdaan (On Demand تتحت الطلب). Haddii lacagtii bedeecad la galiyo, ooy badeecaddi fadhiisatto, banku lacagtii hore uma bixin karo – waa amaano darro.Waxaa si gaar banka uga mamnuuc ha, inuu cid lacag ammahiyo muddo ka badan 7 to 10 sanno – si loo dhawro Lacagnimada ( Liquidity – سيولة ) xoolaha ummadda. Waa inaan marna bank kaash laga waayin.
Haddaan cidda banka leh loo sheegin in lacagta banka taalla ummaddu iska leedahay , waxa laga yaabaa inay u qaattan xoolaha anay iyago iska leeyihin.
Bananka iyo cidda iska leh waxa ka reebban, inay iyagoo magacii banka isticmaalaya ay shirkadihii amma gacacsatadii lacagta u dhiibattay kula baratamaan isla majaalkii ay ka ganacsanayeen.
Taas waxaa ka sii daran, in cidda baanka lehi ay iyagu dhexdooda, kontrool la’aan, is amaahiyaan lacagtii ummaddu u dhiibattay.
Waxaa dhici karta in qaar ka mid ah dadka baanka shurakada ku ah (Amma saaxiibadood) ay iyagu, midba midka kale, banka ka damiintaan, ooy lacagtii ummmadda intay is amaahiyaan ay ku dhistaan fooqaq iyo ganacsiyo waawayn..
Somaliland, bananku iyagoo isticmaalaya lacagtii dadku u dhiibteen, ayay maal galin ku sameeyeen: Isgaadhsiin, Ganacsiga Gaagiidka, Beeraha, Waarida Malabka iyo Macsarta , Dhul iyo Dhisme IWM. Haddii bananku ganacsigaa ku khasaaraan, waxaa dhici karta in xoolahii shacabka la waayo.
Banka Dhexe Ee Somaliland Dhinacaa Kontroolkiisu wuu Liittaa!!!
Taas waxa ka dhashay, in lacagtii ummaddu ku ururtay gacmaha dad aad u kooban, halka la dareemayo ummaddii oo sii caydhoobaysa
Dhibaatadaa hadaan, intay goori goor tahay la gaadhin, waxay keeni kartaa: Tawradda Gaajada ) ثورة الجُوع ) .
Somaliland waxay u baahantagay “Anti Trust Law“
WQ: Xasan Cabdi Yuusuf
Geopolitical Analyst
Hargeisa Somaliland