Guddoomiyaha CBS: "De-risking" Soomaaliya waa Been-abuur Dhaqaale oo Dib u Dhigaya Horumarka Gobolka.

Nuxurka Maqaalka (Maqaal Dhammaystiran)

Nairobi/Muqdisho: Guddoomiyaha Bangiga Dhexe ee Soomaaliya (CBS), Abdirahman M. Abdullahi, ayaa si adag u dhaleeceeyey hab-dhaqanka caalamiga ah ee "de-risking" ee loo adeegsado Soomaaliya, isagoo ku tilmaamay mid aan loo qallmin oo dhabar-jab ku ah dadaallada dib-u-dhiska dhaqaalaha dalka.

[Halkan Gali Sawirka 1: Muujinaya lacag caddaan ah oo ay adag tahay in loo xawilo Bangiga, iyo qof isticmaalaya xawaalad informal ah]

Mashiinka "Financial Intermediation" iyo Qiime-lumidda Maqaalkiisa, Guddoomiyuhu wuxuu ku tilmaamay safarka adag ee doollar kasta oo loo soo diro Soomaaliya. Laga soo bilaabo New York ilaa Muqdisho, lacagtu waxay marta intermediaries badan oo ku yaalla hub-yada gobolka Bari ee Afrika (sida Nairobi ama Djibouti) ka hor inta aan la isticmaali karin gudaha dalka. Cabsida ka dhalata "de-risking"—oo loola jeedo in bangiyada caalamiga ah ay gooyaan xiriirka waddamada loo arko inay halis sare leeyihiin—ayaa keentay in Soomaaliya laga saaro nidaamka "correspondent banking" ee tooska ah.

Tani waxay ka dhigan tahay in doollarka loo soo diro Soomaaliya uu "leak" (u lumo) qiimo weyn. Qiyaas ahaan, Soomaaliya waxay heshaa $4.2bn oo qulqulka lacagta ah sannadkii ($1bn kaalmo ah iyo $3.2bn xawaaladood). Haddii xitaa kharashku yahay 5%, $210mn ayaa sannadkii ku luma kharashka intermediaries-ka, lacagtaas oo haddii loo adeegsan lahaa tamarta, kaabayaasha, ama cimilada ay wax weyn beddeli lahayd.

[Halkan Gali Sawirka 2: Muujinaya mashaariicda horumarka ee ay adag tahay in la maalgeliyo lacag xanniban darteed]

Horumarka Laga Gudbay iyo Farsamada Cusub Guddoomiyuhu wuxuu ku adkeeyey in caqabaddan aysan ahayn la'aanta awood, laakiin tahay horumar la iska indho-tiray. Sannadkii 2024, Soomaaliya waxay soo dejisay qiyaastii $9.2bn oo badeecado ah, laakiin in ka yar seddex-meelood meel ka mid ah dhoofintaas ayaa lagu maalgeliyey nidaamka bangiga. Inta kale waxay martay xawaaladaha ama informal channels, oo ka qaalisan oo ka madmadow badan.

Guddoomiyaha CBS wuxuu iftiimiyey in Soomaaliya ay rebuild-garaysay nidaamka maaliyadda si ay ula tartanto heerarka caalamiga ah. Waddanku hadda wuxuu leeyahay 13 bangi oo ganacsi oo gudaha ah, hal bangi oo shisheeye, 6 mobile-money providers, iyo 15 xawaaladood, dhammaantoodna waxaa shati siiyey oo kormeera CBS.

Qaab-dhismeedka sharciyeed oo casri ah ayaa la diyaariyey, kaas oo daboolaya anti-money laundering (AML/CFT), cunaqabataynta maaliyadda, caymiska, iyo nidaamka bangiyada, iyadoo la sugayo National Payments Bill. Enforcement-ka sharciyadani wuxuu matches-gareeyaa xeerarka, CBS wuxuu apply-gareeyaa kormeerka risk-based-ka ah.

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