BADA LAMUNI GA MASANA'ANTU: BUDADDIYAR WASIKA ZUWA GA 'YAN AREWA

BADA LAMUNI GA MASANA'ANTU: BUDADDIYAR WASIKA ZUWA GA 'YAN AREWA
                          Daga:
                    Nurudeen Dauda
                     16/7/2023
nurudeendauda24@yahoo.com
nurudeendauda24@gmail.com
nurudeendauda.blogspot.com

A shekarar dubu biyu da ashirin da ɗaya wato 2021 a turance, gwamnatin tarayya ta bada lamuni wato bashi biliyan ɗari hudu da tamanin da uku ga matsakaita da ƙananan masana'antu ta hannun bankin raya ƙasa na Najeriya wato a turance Nigerian Development Bank. Akwai zargin cewa an nuna ƙabilanci da ɓangaranci wajen bada kuɗin lamunin wato bashin ga 'yan ƙasa .

Tambaya a nan shi ne: na farko ko wanene shugaban ƙasa a shekarar dubu biyu da ashirin da ɗaya? Na biyu ko wanene shugaban bankin raya ƙasa na Najeriya a shekarar dubu biyu da ashirin da ɗaya? Na uku ko wanene shugaban hukumar tallafawa ƙanana da matsakaitan sana'o'i don sumun kuɗaɗen bunƙasa sana'o'insu wato Small and Medium Enterprises Development Agency of Nigeria (SMEDAN) a shekarar dubu biyu da ashirin da ɗaya? Na huɗu ko sauran 'yan jahohin ƙasar sunsan da maganar bada lamunin wato bashin kuma sun nemi bashin? Na biyar ko sun cika ka'idojin bada lamunin wato bashin?

Kafin kammala bincike da bada sakamakon binciken wanda majalisar dattawar Najeriya ta kafa kwamiti dominsa tofa a gaskiyar magana ya kamata 'yan Arewa su tashi tsaye wajen gyara "sakacinsu" da kuma "rauninsu" saboda gaba. Kasuwancin da bashi da ragista da gwamnati da sauransu a hukumance fa ba kasuwanci ba ne. Duniya fa taci gaba idan munaso muriƙa cin moriyar tsare-tsare na gwamnati to dole ne fa sai mun canza mun tafi da zamani.

Akwai ƙa'idoji da bankuna ke sakawa kamun bada "lamuni" wato bashi kamar su shedar: ragista ta hukuma wato Corporate Affairs Commission Registration (CAC); lasisin izinin fara kasuwanci wato business permit; asusun ajiyan banki wanda aka buɗe shi da sunnan kasuwancin wato Corporate Account; nambar shedar biyan haraji wato Tax Identification(TIN No.);  rahoton kwararru a game da adadin ciniki na harkar saye da siyarwa na kasuwancinka wato Cash Flow Report; daftari mai cikakken bayani akan haƙiƙanin abinda kake son cimmawa da kuma hanyar da zakabi don cimma burin ka wato business plan; da shedar ragista da hukuma mai tallafawa ƙanana da matsakaitan sana'o'i don sumun kuɗaɗen bunƙasa sana'o'insu wato Small and Medium Enterprises Development Agency of Nigeria (SMEDAN) da sauransu. Bayan haka kuma bashi ne mai kuɗin ruwa wato interest.

Ya kamata mu fahimci cewa fa Koda ma wanene shugaban ƙasa ko shugaban hukumar SMEDAN a shekarar dubu biyu da ashirin da ɗaya yaya ake so yayi idan har al'ummarsa basu cika ka'idojin bada lamunin ba? Idan zamu faɗawa kanmu gaskiya ba yaudarar kai ba da dama da ga cikinmu 'yan Arewa bamuyi imani da ƙa'idojin bama dana bayyana a baya balantana ma binsu sai ƙalilan daga cikinmu. Abin da yafi dacewa garemu shi ne dole 'yan siyasa; 'yan boko; da malamai 'yan Arewa da suke da wayewa su cigaba da wayar wa mutanen Arewa da kawunansu a game da muhimmancin tafiya da zamani domin mu gudu tare mu tsira tare.  Allah ya bamu ikon fahimtar manufar wannan tsokaci.

Cikakken bayanin abunda ya faru dai shine a shekarar dubu biyu da ashirin da ɗaya gwamnatin tarayya ta baiwa ƙanana da matsakaitan masana'antu lamuni wato bashi mai saukin kuɗin ruwa har na nera biliyan ɗari huɗu da tamanin da uku wato N483billion ta hannun bankin raya ƙasa na Najeriya wato Nigerian Development Bank a turance. 

Acikin yankunan siyasa shida na ƙasa yankin kudu maso yamma wato South- West a turance ya sami kaso hamsin da bakwai cikin ɗari wato 57% (N274.7billion); kudu maso kudu wato South- South ya sami kaso sha bakwai wato 17%(81.9 billion); a turance, yankin kudu maso gabas wato South-East ya sami kaso tara wato 9% (43.3 billion); a turance, yankin Arewa maso yamma wato North-West ya sami kaso biyar wato 5%(24 billion) a turance; yankin Arewa ta tsakiya da Abuja wato North- Central and FCT ya sami kaso sha ɗaya wato 11%(53 billion) a turance ; da kuma yankin Arewa maso Gabas wato North-East wanda ya sami biliyan hudu da ɗugo takwas kacal wato N4.8billion.

Shuwagabanin hukumar bankin raya ƙasa ta Najeriya wato Nigerian Development Bank sun bayyana cewa sunyi amfani da ƙa'idar da hukumomin da suke lura da ayyukansu suka saka ne wurin bada lamunin . Hukumar ta ƙara da cewa ta bada lamunin ne ga ɓangarori biyar na sana'o'i wato five economic sectors a turance. Kaso arba'in da biyu ga masu harkan man fetur da iskar gas wato Oil & Gas; kaso goma sha shida ga masu sana'o'in sarrafa albarkatun kasa wato manufacturing; kaso bakwai da ɗigo biyu ga masu harkan noma da albarkatun gandun daji da kuma kamun kifi wato agriculture, forestry and fishery; kaso shida da ɗigo uku ga masu sana'o'in saye da siyarwa wata trade and commerce ; da kuma kaso uku da ɗigo biyar ga masu harkan sifiri da adana kayan abinci wato transportation and 
storage a turance.

Sanata Mohammed Ali Ndume (APC, Borno) da wasu sanatoci sittin da huɗu ne suka kawo ƙudirin ƙorafi don a binciki yanda aka raba bashin.

Allah ya taimake mu!

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