Daga MAHDI MUSA MUHAMMAD
Babban Bankin Nijeriya (CBN) ya fitar da sabon daftarin ƙa’idoji da ke nufin rage kuɗaɗen da bankuna ke caji da kuma ƙara sahihanci da gaskiya a tsarin bayar da rance, a wani mataki da ake kallon zai sauƙaƙa wa ’yan ƙasa da ’yan kasuwa harkokin kuɗi.
Sabon tsarin, mai taken “Jagorar Kuɗaɗen da Bankuna da Sauran Cibiyoyin Kuɗi ke Caji 2026,” ya zo ne domin sabunta dokokin da aka kafa tun 2020, tare da daidaita su da sabbin sauye-sauyen da ake samu a fannin hada-hadar kuɗi, musamman a ɓangaren biyan kuɗi ta hanyar fasahar zamani.
A cewar babban bankin, wannan mataki zai rage nauyin kuɗaɗen da masu amfani da tsarin banki ke fuskanta, tare da hana ɓoyayyun cajin kuɗaɗe da wasu cibiyoyin kuɗi ke yi.
A ƙarƙashin sabbin ƙa’idojin, an ƙayyade iyakar kuɗin da za a riƙa caji wajen tura kuɗi ta hanyar lantarki. Ga mu’amaloli tsakanin Naira 5,000 zuwa 50,000, an tsaida iyakar cajin a N10 kacal, yayin da duk wata mu’amala da ta haura wannan adadi ba za ta wuce cajin N50 ba.
Haka kuma, an fayyace sabbin ƙa’idoji kan cire kuɗi ta na’urar ATM. Duk wanda ya cire kuɗi daga ATM na bankinsa ba zai sami ƙarin caji ba, amma idan ya yi amfani da na wani banki a harabar bankin, za a caje shi N100 kan kowane N20,000. Idan kuma ATM ɗin yana waje (off-site), ana iya ƙara cajin har zuwa N500 kan kowane N20,000.
A ɓangaren ’yan kasuwa kuwa, an ƙayyade kuɗin da ake caji ta katin biyan kuɗi zuwa kaso 0.5 cikin ɗari na kowace mu’amala, tare da iyakar N10,000.
Babban sauyi mafi muhimmanci a cikin wannan tsari shi ne wajabta bayyananniyar hanyar bayyana kuɗin rance. Sabbin dokokin sun tilasta bankuna su riƙa bayyana cikakken farashin rance ta amfani da tsarin “Kason Kuɗin Rance na Shekara” (Annual Percentage Rate), wanda zai haza ribar da duk wasu kuɗaɗen da ke tattare da rancen a wuri guda.
A cewar Babban Bankin Nijeriya (CBN), wannan zai ba masu karɓar rance damar fahimtar ainihin abin da za su biya ba tare da ruɗani ko boye bayanai ba.
Bankin ya kuma bayyana cewa sabbin ƙa’idojin za su buɗe ƙofa ga ƙirƙira da bunƙasa sabbin hanyoyin hada-hadar kuɗi, yayin da ake taƙaita hanyoyin ɓoye kuɗaɗe da suka saba addabar masu amfani da bankuna.
A halin yanzu, daftarin dokar a buɗe yake domin karɓar ra’ayoyin masu ruwa da tsaki a fannin kuɗi kafin a bayyana ranar da za a fara aiwatar da ita a hukumance.
