A jinkirta batun haraji ga masu ajiya a banki

Shekaru uku bayan Babban Bankin Najeriya (CBN) ya janye batun dora haraji daga duk mai ajiyar kudi a banki, sai ga shi a wannan karo Bankin ya sake tayar da batun inda ya ce kwanan nan za a fara aiwatar da sabon tsarin dora haraji ga masu masu ajiya da kuma cire kudi daga asusunsu […]

Shekaru uku bayan Babban Bankin Najeriya (CBN) ya janye batun dora haraji daga duk mai ajiyar kudi a banki, sai ga shi a wannan karo Bankin ya sake tayar da batun inda ya ce kwanan nan za a fara aiwatar da sabon tsarin dora haraji ga masu masu ajiya da kuma cire kudi daga asusunsu a banki. Za a fara aiwatar da wannan shiri ne a matakin daki-daki a Jihohin da ke fadin kasar nan.
Kamar yadda Daraktan da ke kula da harkokin banki da biyan kudi na Babban Bankin Najeriya (CBN) Dipo Fatokun ya sanar, ya ce idan shirin ya fara aiki duk wanda zai yi ajiyar da yawansu ya gaza Naira dubu 500, ba za a caje shi ko sisin kwabo ba.  Ya kara da cewa ga wanda  zai yi ajiyar Naira dubu 500 zuwa Naira miliyan 1 kuwa zai biyan harajin kashi daya da rabi ne daga cikin dari (1.5 percent).  Haka kuma ga wanda zai ajiye Naira miliyan 1 zuwa Naira miliyan biyar, shi kuma zai biya harajin kashi 2 (2 perecent) ne, yayin da duk mai ajiyar da ta kai Naira miliyan biyar zuwa sama, to za a caje shi harajin kashi biyar cikin 100 (5 percent) ne.
Daraktan ya kara da cewa, ga wanda zai cire kudin da yawansu ya gaza Naira dubu 500 kuwa, babu haraji a kansa.  Amma duk wanda zai cire kudin da suka kai Naira dubu 500 zuwa Naira Miliyan 1, zai biya harajin kashi biyu ne (2 percent), sannan ga wanda zai cire Naira miliyan daya da rabi zuwa Naira miliyan biyar kuwa zai biya harajin kashi 3 ne (3 percent), kamar yadda wanda ya cire Naira miliyan biyar zuwa sama zai biya harajin kashi bakwai da rabi ne (7.5 percent).
Ya kara da cewa, ga masu hada gwiwa wajen bude asusun ajiya irin su kamfanoni da sauransu kuwa a duk lokacin da suka cire kasa da Naira miliyan uku, babu harajin da za a caje su, amma ga masu cire miliyan uku zuwa miliyan 10 kuwa za su biya harajin kashi biyu ne (2 percent) kamar yadda wadanda za su cire Naira miliyan 10 zuwa Naira miliyan 40 za su biya harajin kashi uku (3 perecent) yayin da masu cire kudin da suka haura Naira miliyan 40 zuwa sama za su biya harajin kashi 7 da rabi ne (7.5 percent).
Daraktan ya ce wannan tsari zai fara aiki ne daga ranar 1 ga watan Afrilun wannan shekara (2017) a Jihohin da ake amfani da tsarin rage rike kudi a hannun mutane (cashless policy) watau Jihohin Legas da Ogun da Kano da Abiya da Anambra da Ribas da kuma Babban Birnin Tarayya (FCT) Abuja.  Sannan a ranar 1 ga watan Mayun wannan shekarar kuma, shirin zai fara aiki a Jihohin Bauchi da Bayelsa da Delta da Enugu da Gombe da Imo da Kaduna da Ondo da Osun da kuma Filato.
Haka kuma shirin zai fara aiki ne a ranar 1 ga watan Agustan wannan shekaras a Jihohin Edo da Katsina da Jigawa da Neja da Oyo da Adamawa da Akwa Ibom da Ebonyi da Taraba da kuma Nasarawa.
Sannan tsarin zai fara aiki a ranar 1 ga watan Oktoban wannan shekara a Jihohin Borno da Benuwai da Ekiti da Kuros Riba da Kebbi da Kogi da Kwara da Yobe da Sakkwato da kuma Zamfara.
Sai dai Aminiya tana ganin bai dace a bullo da tsarin biyan haraji ga masu ajiya da kuma masu cire kudi a wannan lokaci ba, musamman ganin yadda al’umma suke cikin mawuyacin hali saboda tabarbarewar tattalin arziki. Hakan zai sa da yawa daga cikin al’umma su dawo daga rakiyar yin ajiya a bankuna da hakan kuma babbar illa ce ga bunkasa tattalin arzikin kasa.  Idan aka yi la’akari da irin harajin da bankuna suka dora wa al’umma a baya irin su harajin da ake kira da Turanci COT da bAT da Stamp Duty da sauransu to sake bullo da wani sabon haraji a yanzu abu ne da bai dace ba.
Bincike ya nuna kimanin mutune miliyan 40 na ’yan Najeriya ne ba su yarda su kai kudi ajiya a yayin da fiye da kashi 90 daga cikin 100 na masu yin ajiya a banki masu karamin karfi ne.  Kenan wannan tsari na dora haraji ga masu ajiya a banki, zai fi shafar talakawa ne.
Kodayake bullo da shirin biyan haraji ga masu ajiya a banki zai rage yadda al’umma ke cire kudi ba tare da wani kwakkwaran dalili ba, amma yin haka zai dakushe sha’awar wadanda suke da niyyar bude sabon asusun ajiya.  Wannan tsari ya nuna duk wanda ya yi ajiya a banki, maimakon ya samu kari a ajiyarsa, raguwa ma zai samu. Yin haka zai sa a samu raguwar masu sha’awar yin ajiya a banki da hakan zai kassara yunkurin gwamnati na shawo kan al’umma wajen nuna musu muhimmancin bude asusun ajiya a banki.
 Babbar matsalar da za a iya fuskanta idan CBN ta fara aiwatar da wannan shiri ita ce jama’a za su gwammace ajiye kudinsu a gida ne maimakon su kai ajiya banki da hakan zai iya kawo koma-baya a yunkurin bunkasa tattalin arzikin kasar nan. Don haka yunkurin bullo da wannan tsari a wannan lokaci bai dace ba.