A halin yanzu, indai kana neman bashin da haura 100 million, ba za ka samu ba domin kaso 95 na Bankunan Nigeria sun bar karbar takardun kadarori (Collateral) daga Arewa. Idan manomi na neman bashi ya yi kiwon Kaji, ko na Shinkafa ko Alkama; dole sai ya kasance yana da kadara (Assets) da zai bayar a matsayin takardun wasu kadarori da ya ke da su a Abuja, Port Harcourt, Lagos, da sauran Jahohin da ke Kudu Maso Yammacin Najeriya (Southwest) indai bashin ya haura 100M.
Mayar da wani bangare na Bankin Najeriya, CBN zuwa jihar Lagos na nufin duk wani Manomi da ke Arewa, ko masu hada- hadar gidaje da Muhalli (Real Estate Developer), kai ko rancen jarin fara kasuwanci (Startup capital) ne, sai ya je Lagos sannan ya samu bashin, haka kuma dole sai yana da kadara (Assets) a Lagos, ko PH, ko Abuja sannan ya samu damar samun bashin. Kuma abin lura a nan shi ne mutanen Arewa su ne kaso mafi yawa na masu ajiye kudi a bankuna (Hakan na nufin kudin ‘yan Arewa ya fi yawa a bankunan Nigeria). Ka ga ke nan, kudin Arewa ne, amma dan Arewa bai isa ya samu bashin da zai yi noma ko kiwo ba, tunda matakan da aka gindaya, dan kudu ne kadai zai iya cika su. Kura da shan bugu, gardi da kwatar kudi.
Ba nan gizo ke sakar ba. Bayan matakai masu tsanani na samun rancen kudi, idan aka yi nasarar mayar da Bankin Najeriya CBN zuwa Lagos, akwai yiwuwar za a yi mayar da jarin fara harkar banki daga 25bn zuwa 95bn, wanda yin hakan zai durkusar da bankuna da ke kan tsarin musulunci (Non-interest Banks) irin su Jaiz, Taj, Lotus, da sauran su; tunda basu da jarin (Capital) da ya kai 95bn. Irin abunda ya durkusar da bankunan Arewa su Bank of the North, Tropical commercial bank, da Savannah bank ke nan.
Ga Arewa ta rasa rance (Loans) da za ta zuba a harkar noma da kiwo, ga kuma ma’aikatan bankunan Muslunci (Non-interest banks) za su zama marasa aikin yi (Jobless) in dai aka yi nasarar consolidation, wanda dauke department na Banking supervision a mayar da shi Lagos ne zai bayar da kofar yin hakan. Hakan na nufin farashi kayayyki (Inflation) zai kara yin sama, dollar za ta kara yin sama, rashin aikin yi zai yawaita, kananun sana’o’i za su mutu, da sauransu.
Nigeria tana da comparative advantage a harkar noma da hakar ma’adinai, amma gani ake kamar in aka haɓaka waɗannan ɓangarorin wai Arewa aka taimaka. Yanzu kamar Nigeria a ce wai hanyar siyar da crude oil ne kadai hanyar samun dollar din ta? Cardoso ya doso hanyar da zai durkusar da economy din Kasar nan ta hanyar monetary policies din da bai san menene ma’anar su ba.
Ahmad Ganga ya rubuto daga Abuja Najeriya
