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Culimaa-uddiinka u Maynaan Dooran Sharci Dejin e’ Xildhibbaanada Golaha Wakiiladu Waajibkooda Ha Ka Gutaan Xeerka Baananka Ganacsiga. W/Q. Dr’s.Xaliimo Guhaad
January 16, 2016 - Written by Hangool

Sharci dejinta dalka waxa ka mas’uul ah oo aynu u dooranay, ha xumaadaan ama ha wanaagsanaadaane waa xildhibbaanada aqalka golaha Wakiilada. Sharci dejinta dalka u maynaan dooran wadaad yar oo seef la bood ah, aqoonta diinta ee wakhtiga la jaanqaadaysana aan waxba ka ogsoonayn.

 Diidmada culimada iyo xidhibbaanada faro-kutiriska ahba ee xeerka baananka ganacsigu, maaha mid ku sal fadhiya xaqiiqo dhabba oo waaqaci ah, lana jaanqaadaysa wakhtiga jira iyo casriga maanta.


Sida aynu shaashadadaha warbaahinta iyo barasha bulshada ee aaladda internetka, waxa si dhif dhif ah u muuqday xildhibbaano aan 10-gaadhin oo hore guddi ahaan looggu saaray in ay ka soo tallo bixiyaan xeerka baananka ganacsiga, ku waasi oo sheegay in ay ku soo tallo bixiyeen in aan dalka laga hirgelin xeerka fasaxaaya baananka ganacsiga(Commercial banks).


Xildhibbaanadani, talladooda iyo tusaalayntoodaba kumay cadayn asbaabaha rasmiga ah ee ay kaga soo horjeesteen oggalaanshiyaha xeerka baananka ganacsiga, waxa ay ahaayeen kuwo iyaga oo faro taagtaagaya oo qudha ka soo horjeestay xeerkaas.


Arrintaaba waxa ka sii darnaa, niman culimo ah oo daaha ka feyday badheedhahooda ku aadan xaarantimaynta furista bangiyada ganacsiga. Waxaana aan halkan ka cadaynayaa dhowr qodob oo cadaynaysa in ay deg-dageen tallaabadaas.


Culimaa-uddiinka Somaliland marnaba kama aysan fekerin diin ahaana ismanay weydiin sababta Mekka, Maddiina iyo weliba Jiddah oo muddo dhowr iyo kontan sanno ah lagga isticmaalayey adeegga bangiyada ganacsiga oo ay hadda ka furan yihiin 36-baan marka la isku daro tirade guud ee bangiyada oo lagu daray kuwa laamaha ku leh dalkaas.
Culimmaa-uddiinka Somaliland marnaba ismay weydiinin sababta keentay in 46 dal oo Ismaami ah ay isticmaalaan adeegga bangiyadda ganacsiga, dalalkaas waxa ka mid ah dalalka Masar, Jabuuti, Somaliya, Baxreyn, Bakistaan, Marooko iyo wadamo kale oo aad u tira badan.


Culimmaa-uddiinku, marnaba dib-u-may jalleecin waxyaabaha ay ka yidhaahdeen hay’adaha waaweyn ee islaamku, ma qabbo in aynu diinta uga aqoon badanahay jaamacatul Ashar, Maddiin, Makka iyo weliba guud ahaan dalalka kale ee Islaamka, ismey su’aalin culimaddu sababta ku kaliftay in ay dalalkaasi dhammaantood adeegsadaan nidaamkan casriga ah, balse kaliya waxa ay kaga soo dhagtay oo qudha ribbo ayaa dalka laga hir-gelinayaa.


Haddii aynu hadalkooda u raacno culimmaa-uddiinka laftooda, oo ah in xeerka baananku uu fasaxaayo baanan ku shaqeynaaya nidaamka ribadda ah, miyeynaan odhan karin culimaa-uddiinku muddo dhowr iyo toban sanno ah waxa ay iska indho-tiraayeen baananka Telesom iyo Dahabshiil ee ku shaqeeya nidaamka ribada, kuwaasi oo dadka uga dhiga in ay adeegsanayaan nooc loo yaqaano Murabbaha, balse ay muuqato dulsaarka(Interest) saaran ee ay umadda baahan uga faa’ideysanayaan marka ay xoolo ka soo doontaan, iyaga oo saara dulsaar ribbo ah oo dhan 24% oo ah wax aan aduunkaba ka dhicin, marka aynu ka hadlayno dalalka ku shaqeeya nidaamka ribadda.


Culimmaa-uddiinku maxay waa hore uga hadli waayeen dhibbaatada ribada ee saaran dadka adeegsada nalka ama Laydhka ee laga qaado lacag ka badan xaddiga ay isticmaaleen, iyaga oo looga faa’ideysanaayo baahi jirta. Arrinkaana reer Somaliland oo dhammi waa ay wada og yihiin.


Haddaba maaha in shaadh diimeed la innoo soo adeegsado, haddii culimo-uddiinku, ay sheerer ku leeyihiin shirkadaha Telesom iyo Dahabshiil, maaha in la innoogu soo gabbado, waa aynu ka qaadaynaa waanada iyo baraarujinta, balse wakhti xaadirkan iyaguna ha oggaadaan dhaliisha ay leeyihiin.

Xaliimo Guhaad Warsame
PHD.Economics and Political Sceince
xgwarsame@gmail.com
Minneapolis/Minnesota USA

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