Baanankaiyosoomaalida. WQ: CabdifataaxSulaymaanCaw
January 23, 2018 - Written by C M

Umadasoomaaliyeedbadankeeduwaxay u baahantayinayfahantowuxuyahaybangi, shaqaduqabto, faa-idadabangiyadu u leeyihiin? Marka ay fahmanshacabkasomaliyeedsuaalahaniyoqaarkalooka ag dhawayaykudhiirankaraanoo u hiloowikaraanisticmaalkabangiyadalakinintaaanayfahminamaaanaykajawaabikaraynsuaalahaskorkuxusaninayisticmaalaanwaabaabacadaasoolayidhitimohakasoobaxaanookadhiganhadalkiixikmadabadnaeelagahayaynin philosophy ah eeuulahaaqofwalbawaa la necebyaywaxaanuaqoon!! Tusaaleahaanadiguhadiiaadcunijirtayhilibgeeloolagukeenoayaxamashimbirowaadnecbaysanaysaasidanwaxakadhiganhadiiaadtaqaanayinadgurigaagakukaydsatolacagtadaamaaadadigaiyodhawrqofoo kale iskudarsanjirteenlacagookolbamidkiin la siinjiraysiuu wax uguqabsado (hagbad) kaamadhadhicikartoinadlacagtaadakukaydsatobangiaanadhore u aqoonisticmaalkiisaookugucusub, nin philosophy ah ayaalagahayay game kawaxa la ciyaaraamarkaaadshuruucdiisabaratidbangiginawaxa la isticmaalaamarkadshurucdiisafahantid.

Waxanidinlawadagayaaqisoyaroogaabanoouunoogasheekeyaymacalinjaamacad Uganda ah noodhigayayqisadanookudhacdaygabadhsomaliyeed, gabadhansomaliyeedwaxa loo soodiraylacagtiibiilkaiyotiijaamacadahalkii ay lacagtakadhiganlahayd bank account waxy lacagtiikuridatayqolfada mobile kaeexagadambe, dabadeedwaxadhacday in mobile kiilagaxadaylacagtiinakaraacday! Waa arinnaxdinbadanhadanalayaabkeedaleh. Sidaydoontaba  haahaatewaaarintusaale u ah shacabkasoomaaliyeedoo aykalakulmanfahan la aantabangiyadadhacdadaniyodhacdoyin kale ookasiiwaawayn. Hadabaumadasoomaaliyeedwaxay u bahanatayin  lafahansiiyoisticmaalkabaanankameelkastaoo ay joganiyadoo loo samaynayodhiirigalin, xayaysiinlanatusayofaa-idada ay u leeyihiin.Bangiyadumaahameellagukaysadolacagtaookaliyalakin way kamacnobalaadhanyiinwaxanayleeyiinqaybokaladuwaniyadoolagukalasaarayoshaqooyinka ay qabtaaniyoqaabdhismeedkooda, hadiiaansooqaadanonoocyokamidabangiyadawaxaugumuhiimsankuwan;

  1. Bangigadhexe (central bank):
  2. Bangiyadagaarka ah (specialized bank): waabangiyadaaandawligaahayneegaar loo leeyay.
  3. Bangiyadaganacsiga ah (commercial bank): wabangiyada u gaarka ah ganacsiga.
  4. Bangiyadaislaamiga ah (islaamic bank): waabangiyadakushaqeeyanidaamkaislaamiga ah.
  5. Bangiyadamaalgelinta (investment bank): waabangiyadadhiirigaliyamaalgalinta.

Bangigadhexe (central bank):

Bangigadhexewaahaayadaugumuhiimsaneewadanleeyahay, sababto ah bangigadhexewuxusaamaynwaynkuleeyahygabiahanbaganacsigawadanka,maalgashiga, shaqoabuurka, sharciyayntaiyoshuruuuc u dajintabangiyadaiyohaayadaha kale eekaganacsadalacagta,dajintasicirkalacagtaiyowaxa ay qarashgaranaysodawladawadankaasi.

Shaqoyinkauguwaawayneebangigadhexeqabtowaxakamida:

  1. Inuubangi u noqdodawladaiyowalibabangiyada kale.
  2. Inuukormeerosuuqyadabangiyada kale.
  3. Inuunoqdohaayadbadbaadisabangiyada kale hadii ay kacayaan.
  4. Inuufuliyosiyaasadalagumaamulosicirgoyntalacagtasuuqakujirta .waxaysicirgoyntalacagtumuhiim u tahaybangigadhexe, Sicirkalacagtuwuxusaamaynkuyeeshaalaabtasoodagtaiyo ta dhoofta. Waa habkakaliyaeelaguogaankarotartankadhaqaaleeewadankulajirowadan kale.
  5. Inuuruqsadosiiyobaanankacusubiyokuwiihore (license).

Intaawaxaankudarilaainaymuhiimtahaymarka ay dawladubixinaysomashaariic ay kubixisolacagteedawayotaniwaxaykacaawinaysaabangigadhexeinuusargooyosicirkalacagta.

Sidoo kale waxamuhiimainuubangigadhexeyeeshosuuqasarifkalacagahaqalaad, tani waxy u sahlaysaabangigainugacantakuhayosicirkalacagahaqaladiyo ta dalkaba (shilling).Akhristeintankumakoobikarnobangigadhexewuxuu yay iyoshaqadiisahadiiAlleidmowaxaniskudayidoonainankadiyaarinomaqaalugaar ah.

Bangiyadagaarka ah:

Bangiyadagaarka ah waxayleeyihiinqaybobadanwaxanakamida:

  1. Bangiyadabeeraha (agricultural banks): waabangiyadadhiigirgaliya wax soosaarkabeeraha, dhulkeenawaqtiganlagamahelikarobangiyadanoocan ah!
  2. Bangiyadawarshadaha (industrial banks): waabangiyadadhiirigaliya wax soosaarkawarshadaha.
  3. Bangiyadaguryaha (real state banks): bangiyadanwaabangiyadadhiirigaliyadib u dhiskadalka,bangiyadanoocanoo kale ah waykajirikarandhulkeenalakinwaxanjirindadkiiaqoonta u lahawayotusaleahaanshirkadahafarahabadaneedhismahaayaadalkadhisilaaqaybokamidadabdeednaiskumagacabilaabangiga dib u dhiskadalkalakin ma fahansana! Amabaanankacaadiga ah ayaa la xidhanlaashirkadahadhismahadalkana dib u dhiskusamaynlaaeewaxajirtahagrashoiyoaqoondaro!
  4. Bangiyadaganacsigadebada (international trading banks): bangiyadanoocanoo kale ah waxaydhiirigaliyaanganacsigadibadaootusaaleahanqofkiiugabaahnaa china amajabangaadhiamabadeecad kale ayayusoqaadanoo ay u fududeeyaan, ashkhaasayakushaqaystabangiyadanoocan ah lakin ma fahansanainaybangiabuurikaranganacsi!

Bangiyadaislaamkaiyokaalintoodasakada

Bangiyadaislaamkuwaabangiyadaaanlahayndulsaarkaiyodheefkorkasidoo kale waabangiyadakushaqeeyanidaamislaamiga ah.

Bangiyadaislaamkuwaxaykaqaybqaataanururintasakada, maamulkeedaiyosidoo kale gaadhsiintacidiixaqa u lahaydeesakadu ay kubaxaysay.

Markauguhoraysabangiyadaislaamkuwaasakobixiyayaal, shaqadalabaadeekagaaadansakadawaainaydhiirigaliyaanbixintasakadaiyakoomacaamiishoda u dirayafariimo ay kuxasuusinayaansakobixintaiyosanduuqama account u gaarasakobixinta.

Hadabawaxa is waydiinmudanmuxuu Somalilandama Somaliaugahirgaliwaayeenbaanankaladuwan?

Su aashanjawaabteedaoo u baahan in lagaqoramaqaalgaarawaxniskudayidonainankuso kobo qodobodhawraoo ay kamidyihiin:

  1. Waxalagusheegay website ka CIA in dhaqalahaama GDP Somaliduuuaad u hooseeyosidaasoytaywuxuubangigaaduunku u aqoonsanyay dal dhaqalihiisuaad u hooseyooofaqrikajiro.
  2. Inbadanookamidadhulkasomalidudagtogaarahaankonfurtasoomaliaooamnidarobaankajirto, ooaanlagusoodhiiranKarin.
  3. landburburkiidawladii Somalia 1991 ilaa manta wax aqonsiya may helintaasinawaxaysababtay in aanlagusodhiiran Karin Somaliland.
  4. Sharciadaygdhankadawlada ah (legal risk)
  5. Baanankaaanislaamigaahynooaankusoodhiiran Karin SomalilandiyoSomalia madaamaoo ay dadku 100% muslimyihiinooaanaydiintaislaamku u banyan dulsaarka.

Iyadoo ay sidaatahaywaxanrajaynaya in mar kaliya ay Somalilandiyo Somalia ay iskubadalidoonaangoobobangiyaduaadugahirgalaansababtoo ah

Xawladaayaaburburkiiiyoka go-itaankiiSomaliyakadibugalaykaalintiibaananka, waanhubaa in maalinmaalmahakamidaxawaaladahatiradabadaneekashaqeeyadhulka Somaliland iyo Somalia ay iskubadalidoonaanbaanancaalamiya.

W/Q: CabdifataaxSulaymaanCawil

MBA

Islamic University In Uganda (IUIU)

Date: 09/ jan/2018

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