Hirgalinta E-Shilling Wuxuu Qayb Ka Noqon Karaa Xalka Sicir Bararka.

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Waxaan soo dhawaynayaa in xukumada gudi u saartay siddii sicir-bararka wax looga qaban lahaa. Sicir-barka waa afo qaran, oo u bahan in wax laga qabto. Isticmaalka dollar-ka waxaa uu qayb ka yahay sicir-bararka. Dadka waxaa laga dhaadhiciyay in dalka lagu isticmaala dollar, lakiin ma isticmaalno. Lacagta dollar-ka waxaa urursada Zaad iyo E-dahabka, iyaguna waxay inoo qaybiyaan numbaro wax lagu iibsado.
Marka waa in ay xukuumadu samayso e-shillling oo ah lacag electronic ah (ama digital currency). Sida daradeed, waa in Somaliland laga isticmaalo oo kaliya lacagta Somaliland shilling-ka ee warqada ah, iyo lacagta e-shilling. Sida uu Bangiga dhexe u maamulo lacagta waraqaha ee shilling-ka Somaliland waa inuu u maamulo lacagta e-shilling ka. Marka, bangiga dhexe ee Somaliland waa inuu maamulo labadan lacagyoow ee isku midka ah, haddana sida loo isticmaala kala duwantahay, qiimahooduna uu isku mid noqon karo ama uu kala duwanaan karo.
Boqolkiiba saqaashan (90%) shacabka Somaliland ma haystan lacag dollar ooy wax ku iibsadan. Shaqaalaha dawlada iyo dadka Somaliland badankoodu waxay isticmaalan lacagta Somaliland Shilling-ka. Lacagta dollarku waa lacag dalka ugu dhaqalaha wayn calamku uu iska leeyahay, sida daradeed, ma ah in dalka laga isticmalo.
Haddaba, marka aad wax ku iibsanayso lacagta warqada shillingka Somaliland waxad u bahan tahay kariyoone in aad lacagta ku qaadid. Haddii si toosa numbaro loogu badalana tiro aad u badan ayaad ku xisaabtamaysa. Tusaale haddii halkii dollar ($1) yahay 10,000 shilling, ood maqaaxi ka cashayso oo laga qado $3, waxa uu Somaliland shilling ku noqonayaa 30,000 shilling. Haddii, aad iibsato allab $100 ah, waxuu noqonayaa 1,000,000 Somaliland shilling.
Haddaba, qiimaha e-shilling waxaa lagu sarifi karaa wixii la isla qaato ee macquula. Aniguse waxaan ku talin lahaa in qiimaha lacagta warqada Somaliland shilling laga tuuro saddex zero, marka lacagta e-shilling ka lagu sarifayo. Tusaale ahaan haddii halkii dollar ($1) yahay 10,000 Somaliland shilling (warqado). Marka halka dollar ($1) waxaa uu noqonayaa 10 e-shilling (ama Somaliland shilling). Marka cashadii $3 ahayd waxay noqonaysaa 30 e-shilling (Somaliland shilling).  Allabtii $100 waxay noqonaysa 3000 e-shilling (Somaliland shilling). 
Haddaba, qofkasta Zaad ama E-dahab doonaya inuu isticmaalo waa in uu account gaara oo uu ku isticmalo lacagta electronic-ga ah (e-shilling) ku leeyahay Salama Bank iyo Dahabshiil Bank. Sida daradeed, waa in numberka account e-shilling ka iyo telefoonka numberku ay isku mid noqon daan.
Haddaba, Bangiga dhexe waa inuu yeesho SERVER uu ku maamulo account-yadani isticmaalaya e-shilling, si uu u ogaado inta e-shilling ee laga rabo inuu abuurayo iyo inta lacag qalada (Dollar/Bir) ama  lacagta Somaliland shilling-ka ee lagu badalayo e-shilling-ka.
Haddaba, haddii uu qofku u tago xafiis Zaadka ama E-dahabka, oo uu $100 u badasho e-shilling, markiiba SERVER-ka bangiga dhexe waa inuu abuuro qiimo u dhigma $100 dollar oo e-shilling ah. Zaadka iyo E-dahabna waa in ay noqdan laba hay’adood oo sharci u haysta in ay lacagta u badali karaan e-shilling. Lacagtani dollarka shacabku ayaa iska leh, markaa E-dahab ama Zaadka waa in ay bangiga dhexe dhigan.
Maxay E-dahab ama Zaadka ka faa’iidayaan in ay macamiishooda lacagta ugu badalayaan e-shilling-ka?
Marka uu qofku wax ku iibsadan Zaad ama E-dahab waa in ay sartan 1% to 2%, bayacmushtariga ama qofka wax iibinaya waa inuu lacagtani bixiyo.
Bayacmushtariga muxuu ka faa’iidayaa ee uu lacagtani ku bixiyaan?
Bayacmushtarigeenu marka waraqaha Somaliland shilling-ka bangiga gaynayaan, waxay u bahan yihiin in ay kirastan baabuur ay lacagta ku qatan. Lakiin iminka lacagtooda oo bad qabta ayaa account-kooda ugu dhacaysa. Teeda kalana, shaqaale iyo tuug toona ka xadi maayo. Marka arintani waxaa noqnaysaa waxa la yidhaa WIN WIN situation ama cidkasta sida ayay ku guulaysanaysaa. 
SOMALILAND HA NOOLATO!!!!!!!!!!!!
OMAR A. YOUSUF            OAKLAND, CALIFONIA
DALAYADA “DANTA QARANKA SOMALILAND” (SOMALILAND FIRST)
slwadani@yahoo.com

 

 

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