Ashafa Murnai Barkiya Rahoton baya-bayan nan da Babban Bankin Nijeriya (CBN) ya fitar, ya nuna cewa bankuna da kwastomomin su sun yi asarar...
Ashafa Murnai Barkiya
Rahoton baya-bayan nan da Babban Bankin Nijeriya (CBN) ya fitar, ya nuna cewa bankuna da kwastomomin su sun yi asarar jimillar Naira biliyan 134.48 sakamakon damfara a tsakanin shekarar 2020 zuwa 2025.
Rahoton ya bayyana cewa an yi yunƙurin damfara da ya kai Naira biliyan 187.79, amma dai takamaiman adadin da ya zama asara ta gaske zai kai Naira biliyan 134.48.
An samu irin waɗannan matsaloli ta hanyoyi daban-daban kamar: Amfani da ƙarin ATM, amfani da tsarin cira ko tura kuɗi ta hanyar wayoyin hannu, amfani da POS, hanyar hadahadar kasuwanci ta zamani, hanyar bada cikin kuɗi digital da wasu hanyoyin biyan kuɗi na zamani.
Asarar ta ƙaru a hankali daga Naira biliyan 11.61 a 2020 zuwa Naira biliyan 12.77 a 2021.
Asarar ta ƙaru zuwa Naira biliyan 14.32 a 2022 zuwa Naira biliyan 17.67 a 2023.
Daga nan kuma adadin asarar ya yi ta yi ƙaru zuwa Naira biliyan 52.26 a 2024, wadda ita ce mafi girma.
CBN ya ce babban dalilin yawan tashin adadin asarar a shekarar 2024 shi ne wani babban al’amari na damfara daga cikin ma’aikata da ya shafi kusan Naira 30.
Rahoton ya ce sai dai a shekarar 2025 an samu raguwar damfara, inda asarar ta koma Naira 25.85, yayin da kuma adadin yunƙurin damfarar da ya koma Naira biliyan 37.57.
Duk da haka, CBN ya danganta raguwar da Æ™arin tsauraran dokoki, haÉ—in gwiwar bankuna da masu ruwa da tsaki, inganta hanyoyin kariya, da Æ™ara sa-ido kan mu’amalar kuÉ—i.
Rahoton ya nuna cewa duk da ci gaban tsarin biyan kuɗi na zamani a Nijeriya, kamar fintech, canja kuɗi nan take da walat na zamani, hakan ya ƙara matuƙar buƙatar ƙarfafa tsaron yanar gizo,
kare masu amfani, da inganta tsarin gano damfara.
A ƙarƙashin 'Payments System Vision 2028, CBN ya ce zai mayar da hankali wajen gina tsarin kuɗi mai tsaro, amana, ƙirƙire-ƙirƙire, haɗin kai tsakanin hanyoyin biyan kuɗi, da amfani da sabbin fasahohi wajen yaƙi da damfara.
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