Maxaa laga filan karaa Gudoomiyaha cusub…

W/Q: Bashiir Cali Cabdi (Bashiruddin) – B.Sc., M.Sc (Insaniah), CIFP (INCEIF)

Bismillaah! Labba Cali ayaa la kala wareegey Baanka Dhexe ee Somaliland (BoS), inna cali-na wuu idiinka warami doonaa!

Marka hore waxaan idinku salaamayaa salaanta islaamka ee suuban, igana gudooma iyadda oo diiran.

Salaan kadib, waxa aan maanta qalinka uqaatey in aan soo dhaweeyo Gudoomiyaha cusub ee Baanka Dhexe ee Somaliland, Gudoomiye Cali Cabdillaahi Daahir Xersi. Soo dhawoow, Gudoomiye! Kuna soo dhawoow Wall Street-ka Hargeysa (Damal ilaa Deero). Maamulidda iyo kor-joogteynta street-kani ma hawl yara!

Soo dhaweyntaasi diiran ee Gudoomiyaha kadib, waxaan jeclaa in aan marka hore idiin iftiimiyo dulucda maqaalkeyga. Dulucda maqaalkeygani waxay ku koobnaan doontaa labba arrimood. Midda koowaad oo ah in aan isku qaadi doono bal inaan midd ama labba ku soo koobbo waxyaabaha laga baran karo Gudoomiyihii hore ee Baanka Somaliland (BoS) Gudoomiye Cali Ibraahim Jaamac (Baqdaadi). Iyo, midda labaad oo noqonaysa talooyin iyo tusaalooyin ku socdda Gudoomiyaha cusub ee Baanka Dhexe ee Somaliland (BoS), Gudoomiye Cali Cabdillaahi Daahir Xersi.

Aan ku horeeyo bal in aan ka xuso hal ama labba wixii laga odhan karo Gudoomiyihii hore ee Baanka Dhexe ee Somaliland (BoS). Gudoomiye Cali Baqdaadi waxa uu ahaa gudoomiye ku suntan nooca hogaaminta (leadership style)-ka loo yaqaano “gaangisternimo xirfadeysan” (professional gangsterism), inta badanna shaqadiisa iyo go’aanadiisaba ku saleyn jirey calool-adeyg iyo gaangesternimo, waana sababtan ugu danbeyntii galaafatey shaqadisiii (maadaama ay adagtahay in ay labba gaangister wada shaqeeyaan). Hay’add-weyn oo public ah, isla markaasina maamuleysa lacagtii iyo hay’addihii maaliyadda ee dalka waa looga fiican yahay in lagu maamulo nidaam hogaamineed oo noocaasi oo kale ah.

Haddaba, aan usoo daadeggo ubucda maqaalkeyga oo nooqneysa waxyaabaha laga filan karo gudoomiyaha cusub ee Baanka dhexe ee Somaliland, Gudoomiye Cali Cabdillaahi Daahir Xersi, oo ay ku ladhan yihiin talooyin iyo tusaalooyin la xidhiidha caqabadaha horyaala xafiiskan muhiimka ah ee loo dhiibey, iyo sidii looga talaabsan lahaa caqabadahaasi. Haddaba, gudoomiyaha cusub waxa laga filan karaa (anigga oo kusoo koobi doona inta ugu muhiimsan):

  1. Isku-furidda iyo wadda-shaqeynta Bangiyadda ganacsiga ee Somaliland gaar ahaan dhinaca dhigaalka (deposits) iyo qaadashada/labixista (withdrawals) ee bangiyadda dhexdooda (clearing system). Nidaamkani waxa uu kor u qaadayaa isla-markaasina der-dergelinayaa hufnaanta shaqadda bangiyadda dalkeena, waxaana aad uga faa’iidi doona dhamaan maacaamiisha bangiyadda dalkeena oo dhan, iyo guud ahaan shacabweynaha;
  2. In lasoo kordhiyo, hadii ay jirtana la xoojiyo waaxdii cilmi-baadhista iyo tirro-koobka (Research and Statistics Department, Bank of Somaliland). Waaxdani waxa ay cilmi-baadhis ku sameysaa caqabadaha dhaqaale iyo maaliyadeed ee dalka, xalna u raadisaa caqabadahaasi. SIdoo kale, waaxdani waxa ay dabagal ku sameysaa, dadweynaha na la wadaagtaa halbeegyadda kala duwan ee lagu cabbiro xaaladda maaliyadda iyo dhaqaalaha guud ee dalka, sida; sicir-barar-ka (inflation, or price level), heerka shaqo-la’aanta (unemployment rate), heerka dakhliga dadka/dalka (income level), heerka kobaca dhaqaalaha (growth rate) iyo kuwo kale ee la midka ah. Halbeegyaddani waxa ay muhiim u yihiin falanqeynta, rog-roggida iyo xal u helista dhibaatooyinka/caqabadaha maaliyadeed ee dalka ka jira, iyo sidii loo heli lahaa xalkooda, loona haggi lahaa dhabaha iyo jihadda uu usocdo nidaamka maaliyadeed iyo dhaqaalaha Somaliland;
  3. In kor loo qaado tayadda shaqaalaha Baanka dhexe ee Somaliland (BoS), si kor loogu qaado sumcadda iyo hufnaanta shaqadda Baanka dhexe ee Somaliland (BoS) oo aad moodo in hadda aad looga deyrinayo;
  4. In la xoojiyo, lana derdergeliyo awoodda iyo shaqadda ururka cusub ee ay ku midoobeen bangiyadda Somaliland (Somaliland Banking Association – SLBA) oo uu hogaaminayo Mudane Khaliif iyo kooxdiisu. Hadii uu gudoomiyaha cusub ee Baanka dhexe ee Somaliland (BoS), gudoomiye Cali uu ururkan u isticmaalo si sax ah oo xirfadeysan, waxaa hubaal ah in ay hawlo badan u hirgeli donaan ,wax baddana uu ku qabsan doono ururkan;
  5. Muddooyinkii udanbeeyey, xafiiska baanka dhexe ee Somaliland (BoS) iyo gudoomiyeyaashoodiiba waxey iska noqdeen xafiis siyaasi ah (political office) halkii ay ka noqon lahaayeen xafiis xirfad iyo khibrad xoogan leh kuna shaqeeya (technical and bureaucratic office). Gudoomiyaha cusub ee Baanka dhexe Gudoomiye Cali waxa laga filayaa in uu soo celiyo sumcaddii xafiiska ee la xidhiidhey shaqadda uu uhayo dadka iyo dalka (Alle ha u fududeeyo’e);
  6. Gudoomiyaha cusub waxa laga filayaa in uu noqdo gudoomiye dadka la tashada isla markaasina talooyinkana badsadda. Talooyinka muuqda iyo kuwa qarsoon ee waxtarka leh, khibradda iyo aqoontuna ka dhex muuqato. Tusaale yar oo kooban hadii aan soo qaato. Baanka ugu weyn dalkeena iyo geyigga somali idilkeeda waxa la yidhaahdaa “Dahabshil Bank International (DBI)”, bangigani waxa uu sidda dayaxa uga soo dhexbaxay dhamaan bangiyadda kale ee dalka waana Goldman Sachs-keena (the Somali version of Goldman Sachs). Dadka iyo dalka Somaliland ba waxa si gaar ah Sharaf iyo amaan ugu filan in bangiga somali ugu weyn uu ka soo jeedo isla markaasina uu xaruntiisa guud ku leeyahay caasimadda Somaliland ee Hargeysa. Bangigan waxa laga baran karaa casharo faa’iidooyin badan leh. Hadii aan qaar kamid ah xuso:
    • Hufnaanta iyo nidaamka shaqo ee bangiga dahabshil oo aad u sareysa – sababtuna ay tahay shaqaalaha baanka oo aad moodo in xirfadooda iyo, aqoontooduba dhisan tahay kana sareyso kuwa kale;
    • Tobonkii (10)-kii qof ee doonaya maalgelin (shakhsi ama ganacsi), waxa ay sideed (08) kamid ahi maalgelintaasi udoontaan bangiga dahabshil ee caalamiga ah;
    • Bangigga dahabshil oo noqdey bangiga keliya ee awood maaliyadeed uleh in uu hal maalin ku bixin karo maalgelin gaadhi karta $100m amma ka badan, tusaale ahaan siin kara shirkaddo waaweyn oo calami ah kama shaqeeya dalkeena (i.e. DP World);
    • Ku dhaqanka shuruucda caalamiga ah. Bangiga Dahabshil ee Caalamiga ah waxa uu horumar balaadhan kagaadhey ku dhaqanka shuruucd caalamiga ah. Tusaale ahaan, waa bangiga keliya ee somali idilkeeda hadda ku ruqaansadey in uu ku dhaqmo shuruucda caalamiga ah ee loo yaqaan, IFRS, gaar ahaan IFRS-9;
    • Bangiga keliya ee dadweynaha u fidiyey, kana qaateen maalgelin gaadheysa amaba ka badan $400m, dhaqaalaha guud ee dalkana wax badan ka tartey, dawladdu ay cashuur badan ka heshey, dadka iyo ganacsiyadduna ay aad uga faa’ideen;
    • Hogaanka bangigga dahabshil oo aad inta badan mooddo mid ku sifoobey aqoon iyo khibrad xeel-dheer (oo ay hadda hogaanka u hayaan Dr. Xasan iyo ustaad Cabdixakiim M. I. N., balse salka uu u dhigey (raximahullah) al-haji siciid maxamed cali (garseef), AHUN);
  7. Casharadaasi aan kor ku xusey dartood iyo qaar kaleba, waxaan gudoomiyaha cusub ee Baanka dhexe ee Somaliland (BoS), gudoomiye Cali Cabdillaahi kula talin lahaa in uu wax badan ka dhageesto lana tashado bangigan khibradda gaamurtey iyo aqoonta xeel-dheer uleh nidaamka maaliyadda iyo bangiyadda, isla markaasina wax badan ka barto.

Waxaan Alle (sw) uga baryayaa in gudoomiyaha cusub ee Baanka dhexe ee Somaliland Gudoomiye Cali Cabdillaahi Daahir Xersi uu xilka ufududeeyo kuna asturo, isla markaasina ay usuuro-gasho in uu wax badan iyo caqabaddo badan oo maaliyadeed iyo dhaqaale oo dalkani ragaadiyey wax ka qabto, taariikhdana ka galo baal dahab ah. Aamin.

Alle ha idin sharfo, xaqquna mar walba ha sareeyo hana guuleysto!

Waad mahadsan tihiin!

W/Q: Bashiir Haji Cali Cabdi (Bashiiruddin)

T: +252 (65) 9734002 (Somtel)

E: [email protected] Hargeisa, Somaliland

2 thoughts on “Maxaa laga filan karaa Gudoomiyaha cusub…

Leave a Reply

Your email address will not be published. Required fields are marked *