22/09/2019
CASHLESS - A TAKAICE
Cashless Policy - Wata doka ce da aka kirkiro domin a takaita mu'amala da tsuran kudi a wajen hada-hada da ciniki tsakanin jama'a ko masana'antu da sauransu. Ta yanda za'a karfafa amfani da hanyoyin cinikayya na zamani kamar ta hanyar amfani da ATM, ko POS, ko ta yanar gizo wato internet banking ko web purchase, ko kuma ta hanyar amfani da waya (code/app) wato mobile banking. Wannan shiri ko doka ta CASHLESS an kirkiro shi a Najeriya a shekarar 2011, lokacin ance zata fara aiki ne a garin Legas a 20th March, 2012. Sannan a July 1, 2013 a fadadata zuwa garuruwan Abia, Anambra, Rivers, Ogun, Kano da kuma Abuja. Hakanan za'a ida fadadata zuwa ko ina a kasar a shekarar 2015. A wancan lokacin an sanya cewa duk mutumin da zai sanya ko fitar da kudin da suka wuce N150,000 to duk abinda ya hau za'a caji mutum 10% na abinda ya hau akan N150,000. Hakanan suma masana'antu duk kudin da zasu fitar ko sanyawa da suka wuce N1,000,000 to duk abinda ya hau za'a caje shi 20%.
Daga baya kuma sai bankin na CBN ya sake nazari akan cajin da kuma iya kudin da in suka wuce za'a caji mutum, inda aka maida shi cewa maimakon N150,000 a da to yanxu mutum zai iya sanyawa ko cire N500,000 kullum a kyauta, amman da zaran kudin sun wuce to zai biya caji, inda shima cajin da za'a yiwa mutum in zaisa kudi maimako 10% aka dawo dashi 2%, wajen cirewa ma maimakon 10% ya dawo 3%. Suma masana'antu da aka sake nazarin dokar sai aka ce a maimakon huddar N1,000,000 da zasu iyayi ba tare da wani sabon caji ba an maida shi zuwa N3,000,000. Sannan idan zasu cire kudi za'a caje su 5% akan kudin da suka hau maimakon 20% a da, sannan idan zasu sa kudi za'a caje su 3% akan kudin da suka hau maimakon 20% a da.
JADDADA DOKAR
A can baya dai dokar batai tasiri ba sosai amman yanzu babban bankin na Najeria ya sake jad dada dokar kamar yanda aka sake nazarinta a baya wato:
1- Idan mutum zaiyi hada-hadar N500,000 ko kasa da haka a yini to ba wani sabon caji idan kuma suka wuce to za'a caji 3% in fiddowa ne ko 2% in sakawa ne.
2- Sai masana'antu suma zasu iya hada-hadar N3,000,000 ko kasa da haka to ba wan sabon caji amman idan suka wuce haka za'a caje su 5% idan fiddawa ne idan kuma sanyawa ne 3%.
3- Dokar ta shafi hada-hadar tsuran kudi ne, amman banda transfer.
4- Hakanan ko cheque wani ya baka ko kaba wani akwai iya kudin da banki zai iya ya baka ba tare da an caji kudi ba.
Cajin ana yinsa ne akan kudin da suka wuce iyakar da aka fidda. Misali: idan mutum ya cire ko sanya N500,000 ko kasa da haka to kyauta ne, ba karin caji amman idan misali N520,000 ne to wannan doriyar N20,000 data hau ita kadai za'a yiwa cajin, alal misali idan cirewa ne N20,000 ta hau (3%) za'a caji mutum N600 kenan idan kuma sanyawa ne N20,000 ta hau (2%) za'a caji mutum N400 kenan.
Yanzu dokar za'a fara aiwatar da ita ne a ranar 18th September, 2019 a garuruwan Lagos, Abia, Anambra, Rivers, Ogun, Kano da kuma Abuja. Sannan za'a fadadata zuwa ko wace jiha a ranar 31st March, 2020.
AMFANIN DOKAR
1- Zata taimaka wajen raguwar fashi da makami da sauran hadurran rike kudi zabarsu.
2- Gwamnati zata kara samun kudin shiga, kuma zata rage kashe kudi wajen buga sabbin kudade.
3- Bankuna da Masana'antu zasu rage kashe kudin da suke wajen dawainiya da tsabar kudade.
4- Zai taimaka wajen gano masu halatta kudin haram da kuma sa'ido kan ayyukan yan ta'adda.
KALUBALE
1- Rashin ilimi musamman abinda ya shafi amfani da na'urorin zamani.
2- Rashin wutar lantarki da kuma network ingantacce da za'a iya dogaro akai.
3- Rashin wadatattun na'urori kamar su ATM da POS.
4- Rashin cikakken tsaro a wuraren da keda na'urorin fitar da kudi, saboda za'a iya yiwa mutum kwace ko fashi.
5- Akwai yiwuwar damfarar mutane musamman wadanda basu san ya zasu yi amfani da na'urorin zamani ba.
KORAFI
1- Jama'a na korafi ne akan cewa akwai yiwuwa kara yawan cajin da akewa mutane idan sunyi sayayya ta hanyar biyan kudin da ATM, POS, Mobile banking da Internet banking ko Web purchases.
2- Mutane na ganin cewa idan ana son jama'a su karbi shirin sosai to akwai bukatar a rage cajin ko kuma ma ya zamana cewa akwai wata garabasa ta musamman ga wadanda suka rungumi tsarin sauda kafa.
3- Wasu mutanen kuma na ganin dokar bata dace ba a yanzu ganin halin tattalin arziki da jama'a da masana'antu ke ciki.
©Mus'ab Nuraddeen Katsina (Mus'abulkhair)
E-mail: musabnurakatsina@gmail.com
Twitter/Instagram: @Musabulkhair_kt
