Markii ay xukumada cusub dalka qabsatay waxaan usoo jeediyay talooyin badan oo wax ku ool ah. Hirgalinta E-shilling-ku waxuu ka mid ahaa talooyinkaasi. Haddaba, January 2018, waxaan qoray maqaal aan ugu magac daray "Hirgalinta E-shilling wuxuu qayb ka noqon karaa xalka sicir bararka” (Sicir bararka ayaa faro ba’aan inagu hayay wakhtiga). Qoraalkii oo dhan halkani ayaad ka wakhrisan kartaa. (http://hargeysaonline.net/cgi_bin/news.php?readmore=3308 ).

Haddaba, waa guul in ay laba sano ka dib ay xukuumada Somaliland hirgalisay mid ka mida talooyinkii aan soo jeediyay.

Calamkani aynu ku nool nahay wuu ka baxay ama wuu ka sii baxayaa isticmaalka lacagta waraqaha ah. Dalka Shiinaha ooy ku noolyihiin dadka ugu badan, isla markana ah dalka labaad ee ugu dhaqaalaha wayn calamka, ayaa hormood u ah isticmaalka wax ku iibsiga telefoonka gacanta (smart phones). Dadka Shiinihu lacagtooda jeebadaha kuma qaatan ee waxay ugu jirtaa telefoonkooda. Teeda kale, dalal badan oo dalalka Europe, Latin America, Ashiyada Fog, iyo  Bariga dhexe ay ka mid yihi waxay isticmaalan Kadhadh ay bixiyaan Bangiyadu (Credit Cards or Debidt Cards).

Inkasta oonu dalkeenu ahayn dalalka hore u maray, haddana Cilmi-Farsameedka casriga ahi waxuu samaxay in dalalka calamku isa soo gadhan, oo tiknoolijiyada casriga isku mar la wada isticmaalo.

Telefoonka gacanta aad ayaa Somaliland looga isticmaala, dadka badankiisuna waxay wax ku iibsadan Zaadka iyo e-Dahab. Marka, in ay dawlada Somaliland ay ka faa’iidaysato adeegan casriga ahi waa guul ay Somaliland gaadhay.

Miisaniyada Somaliland waxaa ay ku dhawdahay $400 Million, inteeda badan waxay ku baxdaa mushaharada shaqaalaha iyo kharash dawladu isticmaasho. Marka haddii Bangiga dhexe iyo Wasaarada maliyadu ay isticmaalan e-shilling waxay si fudud u xakamayn kartaa isticmaalka lacagta Somaliland, oo badankeedu e-shilling (ama electronic money) lagu isticmaali doono. Teeda kale, dawladu waxay si fudud ula socon kartaa isticmaalka Shilling-ka Somaliland, waayo waxa jiraysa (paper trail ama electronic trail). Teeda kale, musuq-maasiqu wuu yaraan doona, waayo qofka lacagta soo gashana waa la oganayaa. Mida kale, e-shilling wuxuu dawlada u fududaynayaa ururinta cashuurta, waxaana si fudud loo oganayaa cida cashuurta bixisa, inta ay bixiso iyo dadka aan cashuurta bixin.

Siddee u shaqaynayaa e-shilling ku?

Bangiga dhexe wuxuu shaqalaha dawlada iyo Ciidanka qaranka Somaliland u furayaa Xisaab lacageed (ama Account). Mushaharkoodana waxaa loogu shubayaa Account-kooda. Haddaba, si uu lacagtani u isticmaalo wuxuu ku shubanayaa E-shilling ka Zaad ama e-Dahab. Haddii Kaash doonayo, wuu ku badalan karaa.

Marka lacagta u gaysid Zaad ama e-Dahab ka, iyaga lacagta urursanaya adigana Numbero ku siinayeen. Lakiin, xidhiidhka ka dhexeeya Bangiga dhexe iyo isticmaalka shaqalaha dawlada iyo  sharkadahani waxaa weeye in Bangiga dhexe ee Somaliland lacag dollar ama Somaliland shilling ah ma siinayo sharkadahani, wuxuu siinaya numbero (e-shilling) ay ku qoran tahay mushaharka qofku (waa sida Check oo kale). Sharkadaha Zaad iyo e-Dahab waxay u badalayaan numbero ay isticmaali karaan. Sidoo kale kharashyada dawlada waxay ku bixinaysaa habkani cusub. Tani waxay keenaysaa in lacagta dalka lagu isticmaalaya noqoto e-shilling ama shilling Somaliland ee waraqaha ah, sida dalalka calamka oo dhan ka jirta.

Marka waxaan hanbalyaynayaa Wasaarada Maliyada iyo Bangiga dhexe ee hawshani fuliyay.

Haddaba, mar haddii e-shilling telefonka gacanta lagu isticmaalayo, waxaa fiican in laga saaro saddex SIIRO (ama three ZEROs). Lacagta ugu yar ee Somaliland Shilling ee wax lagu iibsan karaa waa 1000 shilling. Haddaba, haddii laga saro Siirooyada (ZEROs), waxaa uu noqonayaa 1 shilling (hal e-shilling). Faa’iidada ku jirtaa waxay tahay, marka lacagta e-shilling la iskugu dirayo, lacag qaldan la isku diri maayo. Waayo, tani waxay yaraynaysaa jahawareerka SIIROOYADA (ZEROs) faraha badani keenayaan.

Tusaale, haddii halka dollar yahay 8500 shilling, cashada $10 waxay noqnaysaa 85,000 Shilling, qofku marka u dirayo waxaa laga yabaa inuu ZEROs mid ka tago. Halka ka diri karo 85 e-shilling, haddii ZEROs laga saro. Marka tani waxay inoo samaxaysaa in lacagta dollarka ee dalka lagu isticmaalin la yareeyo ama aan lagu isticmalinba. Marka, hirgalinta e-shillingku waxuu hormood u yahay in aynu calamka la jaan qaadi karno.

Sida ay ku socoto, calamku wuu ka guurayaa isticmaalka Dollar-ka. Waxaana loo guuraya isticmaalka lacagta ‘cryptocurrency’ sida Bitcoin. Khasatan tiknolojiyada loo yaqan BLOCK CHAIN. Facebook ooy isticmaalan dad ka badan 2 Billion, ayaa doonaya inuu lacag LIBRA uu ugu magac daray oo ‘cryptocurrency’ inuu sameeyan. Mulkiilaha Facebook, Mark Zuckerberg, mar uu la hadlayay congress-ka Maraykanka ayaa waxaa u sheegay in Maraykanku aanu joojin karin isticmaalka lacagta ‘cryptocurrency’. Waxaa uu yidhi "haddii inagu hormood u noqon wayno, calamku Maraykan sugi maayaan, ee China ayaa hogaamin doonta”.

Haddaba, sida ay Internet-ku u badashay sida calamku u xidhiidho, ayaa tiknolojiyada BLOCK CHAIN u badalaysaa sida dadku wax u kala iibsadan. Taasina waxaan qabaa in tahay mid inaga, khasatan calamka soo koraya u fiican. Waayo waxay simaysa calamka.

SOMALILAND HA NOOLATO

OMAR A. YOUSUF

[email protected]