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Shaqoyinka uu bangiga dhexe u hayo qaranka matahay tii loo igmadaybaa?
March 16, 2017 - Written by editor saaxilnews

Shaqoyinka uu bangiga dhexe u hayo qaranka matahay tii loo igmaday: W/Q: Mukhtaar Cabdi Cilmi

Banigiga dhexe waa mid kamida laamaha uu qaran leyahay kuwa ugu mihiimsan kaas oo ka

qayb qaata hirgalinta hananaka dawladnimo shaqadiisuna atahay qodobadan hoos ku qoran:

1 Gacan ku haynta siyaasada lacagta qaranka (monitory policy)

Bangiga dhexe wuxuu masuul uga yahay qaranka soo daabicida noocyada kala duwan ee

lacagta qaranka iyagoo masuliyinta bangigu ay cadaynayaan baahida loo qabo in lacag la soo

dabaco isla markana hayada sharci dajinta oo ku meel marinaysa xeer baar lamaan kaas oo

dhaqan galaya marka la ansixiyo

Dhibatada ay ledahay lacagta oo layska soo dabaco (printing money)

Hadii bangiga dhexe u soo dabacdo xadi lacag ah taas oo an loo egin baahida loo qabo lacag

taasi waxay sababtaa qodobadan soo socda:

A) sixir barar : sixir bararku waa kor u kac ku yimada guud ahaan qiimaha shaykasta oo la

iibsado ama lacag badan oo goysa alaab iyo adeeg yar

Sababta ka dambaysa inuu sixir barar yimadana waa xadiga lacagta oo ku bata suuqyada taas

oo ay ugu wacan tahay lacagtii aanu suuqu u bahnayn ee la soo dabacay

B ) Qimo dhac lacagta ku yimada: waa awooda ay lacagtu wax ku jarayso oo qimo beesha

waxna goyn wayda iyadoo ay ugu wacan tahay xadiga badan ee lacagta ah ee suuqa tala

2 Maamulida isku badalka lacagta dalka iyo lacagaha qalaad (Currency Exchange Rate)

Bangiga dhexe isagaa ka masuula dajinta xadiga isku badalka lacagaha dalka lagu isticmalo iyo

sarifkoodaba dollar, riyal, Birr pound etc Marka uu bangiga dhexe awoodi waayoIsku badalka

lacagta dalka iyo lacagaha qalaad waxay samayn toosa ku yelataa dhaqalaaha dalka iyadoo

keenta sixir barar iyo qiimaha lacagta dalka oo hoos u dhacda iyadoo keenta in wax lagu iibsado

hadaba lacagta kale ee dadku dan moodaan

3) Baanka dhexe waa hay’adda masuulka uga ah dalka kormeerka nidaamka bangiyad

dalka (Rules and regulation of banking system)

Dalkena waxaa ka jira banan kala duwan kuwaas oo ay ka mid yihiin Dahab shiil bank, salaam

bank, iyo kuwo hada la wado in la furo dhamantood shurucdooda iyo nidamka shaqo ee dalka

waxaa uga masuul ah cenetral banka oo ah hayada u qabilsan dalka nidaamka bananka sidoo

kale wuxuu maamula noocyada banigyada ee jira sida bangiyada ganacsiga , bangiyada

horumarinta iwm

4 Bangiga dhexe wuxuu abuura nidaam maalgalineed (Investment)

Banigag dhexe wuxuu sameyaa nidaam malgalineed oo uu ku hore marinayo kabayasha

dhaqalaha dalka kuna yaraynayo heerka shaqo laanta dalka isagoo kordhinaya awooda wax soo

sar ee dalka Wuxuuna ka qayb qaata taageeridda dhaqaalaha si loo gaadho ujeedooyinka

koboca dhaqaale ee dalku higsanayo kana dhiga mid kamarma caawimoyinka iyo daymaha uu

qadan lahaa.

5 Nidaamka kaydinta maaliyaded(Deposit)

Banigaga dhexe shaqoyinka uu qabto waxaa kamida in lagu kaydsado hantida maaliyadeed ee

ay leyihiin muwadininta dalka iyo ajaanibkuba taaso oo aynu kaga duwanahay bangiyada

galalada in aynu ku xidhno wax ribo ah (intrest rate) sidoo kale bangiyada gaarka loo leyahay

waa inay dhigtaan lacagahooda qayb kamida bangiga dhexe.

6 Bangiga dhexe wuxuu siyaa bangiyada kale Loans (lender of last resort)

Wakhtiyada ay dhacaan dhibatoyinka soo food saara bangiyada ee crises bilaabmaan waxaa uu

bangiga dhexe amaahiya lacag dayn ah bangiyada ay adhibatadu soo food sarty si ay uga

baxaan dhibkaas sidoo kale wuxuu ka taageraa xalinta dhibatada maliyaded ee soo food saarta

7 Bangiga dhexe wuxuu talloyinka maliyaded siyaa dawlada (Banker to the

Government)

Bangiga dhexe wuxuu bixiyaa taloyinka maliyaded ee qaranka isagoo kolba eegaya hawlaha u

mihiimka ee habmaliyadedka dalka iyo kolba wixii ku soo kordha sida ay isu badbadalayaan

nidaamyada maliyaded ee caalamiga ah iyo kuwa gobolkaba

W/Q: Mukhtaar Cabdi Cilmi (

Xoogsade)

(MBA) Accounting and Finance,

(MBA) Accounting and Finance,

Mount Kenya University

Samiir.net@gmail.com

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