Waxaan kale soo dhawaynaya qorshaha fog ee ay shirka lagu gaadhay ee lagu rabo in Somaliland noqoto XARUNTA MAALIYEED IYO DHAQAALE EE GEESKA AFRIKA.

Haddaba, haddii aan u soo noqdo mawduuca qoralkani.

Lacagi waa waxa dadku ku iibsan karan alaab ama adeeg (ama service). Lacagta calamka intiisa badan lagu isticmaala waxaa ay ka kooban lacag warqado ah iyo lacag bir ah (ama coins).  Waxaa kale oo jirta, lacag balastig kadhis (plastic cards) lagu shubto, kuwasi ooy ka mid yihiin Visa, Mastar Debit iyo Debit Cards-ka, iyo waliba lacagta telefoonka gacanta (mobil phones) lagu shubto.

Mudo toban sano laga joogo waxaa soo baxay lacag dhijital ah (digital money), oo ah numbero computerku abuuro, ama cryptocurrency. Lacagta noocani ah waxaa ugu horaysa uguna caansan BITCOIN. Dadka isticmaala lacagtani badan koodu waa dad aan aamin sananayn lacagta dawlada maamulan. Dadka isticmaala lacagtani dhijital-ka badankoodu waa dad lacag ay dhaceen ku qarsanaya ama cashuur dawlada kala baxsanaya.

Sarifka BITCOIN-ku waa mid aad isku bad badala. Markii lacagta BITCOIN soo baxday waxaa halkii BITCOIN lagu sarifayay Cents (ama halkii Cent waa 1/100 dollerkii). Sanadkii horana waxaa halkii BITCOIN lagu sarifayay $20,000 oo dollar Maraykan ka ah. Weeg ka dibna waxaa hoos u dhacay kala badh (ama $10,000 dollar). Lacagta BITCOIN waa lacag qiimaheedu uu baaxa dagayo, dadka badankooduna ayna isticmaali karin.

Haddaba, haddii loo sameeyo hay’ada ilaalisa tayadeeda iyo xadiga lacagta dhigital suuqa ku jirta, lana xakamayo qiimaheeda, waxaa noqon kartaa lacag badasha lacaga calamka laga isticmaalo. Faa’iida lacagta dhigital waxay tahay in internetka (ama mobil telephonada) lagu isticmaali karo, caalamka oo dhan si fudud looga isticmaali karo. Haddaba, sharkado dalal badan ka shaqeeya ayaa indhaha ku hayeen faa’iida isticmaalka lacagtani digitalka (ama cryptocurrency).

Jun 16, 2019 ayaa Facebook-gu shaaciyay in ay abuurayan lacag dhigital ah, oo ay ugu magac dareen LIBRA. Facebook-ga waxaa isticmaala 2.7 Billion qof, oo calamka oo dhan ku kala nool. Sharkada kale ee facebook-gu leeyahay ee WhatsApp, Instagram, iyo Messenger waxaa bishii ugu yaran isticmaala 2.1 billion oo qof.

Lacagta LIBRA ee Facebook-gu samaynaysa waxay kula shuraakoobay sharkado waawayn ooy ka mid yihiin UBER, PAYPAL, VISA, MASTER Cards iyo kuwa kale. Sharkadahani waxay ka midaysan yihiiin in ay ka shaqeeyan dalal badan oo afarta qaradood iyo Australia ku yaala, isla markana ay raban in ay helaan lacag dhigital ah oo dalalka ay ka shaqeeyan oo dhan lagu isticmaali karo.

MAXAY SOMALILAND KA BARAN KARTAA LACAGTANI DHIJITALKA AH EE ‘LIBRA’?

Somaliland waa dalka dadka badankiisu isticmal telefoonka gacanta (ama mobil phones), isla markana dad badani telefoonka ku shubtan lacag, waxna ku iibsadan.

Teeda kale, Somaliland waxaa laga isticmaala lacag kala jaad ah, sida: Lacagta Somaliland Shilling, Somalia Shilling, Dollar, iyo Bir.

Hadaba, mudo laga joogo sanad ayaan waxaa qoray maqaal aan kaga hadlayay xakamayso lacagahani qalada ee dalka lagu dhex isticmaalo.

Markaa waxaan talo ahaan ku soo jeediyay in aynu isticmaalno lacag dhigital ah oon ugu magac daray E-SHILLING. Haddaba, waxaan mar labaad xusuusinaya dadka shirka isugu yimid ee danaynaya in ay Somaliland noqto XARUNTA MAALIYEED IYO DHAQAALE EE GEESKA AFRIKA, iyo waliba dadka dalka hogaamiya ee danaynaya horumarka dhaqaalaha dalka. In ay ka fakiran sida lacag dhigital-ka ee E-SHILLING loo hirgalin lahaa. Wayo tani waxay inoo samaxaysa in lacagaha qalad ee dalka lagu isticmalo in la xakameeyo. Isla markana E-SHILLING waxuu kor u qadaya qiimaha lacagta Somaliland shilling.

Haddaba, mar labada waxan soo jeedinaya taladii aan hore u soo jeediyay sanad ka hor. Waayo lacagta dhijital-ku (digital money) waa halka uu calamku u socdo, inaguna aad ayaynu ugu baahan nahay in aynu hirgalino. Teeda kale, aad ayay u fududaha hirgalinteedu. Somaliland waxay ku nasiib badan tahay waxa dadka intooda badan isticmaalan Zaadka iyo e-shillinka, tani waxay u hawl yaraynaysaa in ay si hawl yar u hirgasho isticmaalka lacagtani.

SIDEE LOO HIRGALINAYAA LACAGTA E-SHILLING?

Bangiga dhexe ee Somaliland ayaa waxaa uu abuuraya qayb IT (Information Technology) oo abuurta lacag dhijitalka (digital) ah E-SHILLING. Lacagtani oo lagu jaan gaynayo lacagta dollar Maraykanka, ee calamka oo dhan wax ku kala iibsadan.  Qiimaha halkii dollar waxuu bangigu ku jaan gaynayaa 10 e-shilling.

Haddaba, Bangiga dhexe ayaa bangiyada iyo sharkadaha isgaadhsiinta kolba inta ay ka codsadan elektaroonic (electronic) ugu diraya E-SHILLING. Bangiyada iyo sharkadaha macmiishado ayay siinayaan, si ay wax ugu iibsadan ama akanadooda (accounts) ugu kaydsadan.

Tani waxay inoo samaxaysaa in lacagta dalka lagu isticmaala noqoto lacagta Somaliland shilling (warqadaha ah) iyo lacagta dhigital-ka ah ee E-SHILLING, lacagtani ooy dadku ku shubanayaa mobil telefoonada, Smart phones, Credit Cards iyo Debit Cards si ay wax ugu iibsadan. Isticmaalka lacagaha qalaad, khasatan dollarka Maraykankuna meesha ayuu ka baxayaa.

SOMALILAND HA NOOLATO!!!!!!!!!!!!

OMAR ABDI YOUSUF     

OAKLAND, CALIFONIA

[email protected]