Warbixin: Lacagaha Moobillada iyo Saamaynta ay ku Leeyihiin Isticmaalka Shilinka Somaliland

Warbixin: Lacagaha Moobillada iyo Saamaynta ay ku Leeyihiin Isticmaalka Shilinka Somaliland

HORDHAC
Lacagaha telefoonnada gacanta la isugu diraa waxa ay dalka Somali-land ka bilowdeen badhtamaha sannadkii 2009-kii oo shirkadda Isgaadhsiinta ee Telesom bilowday adeegga ZAAD Services. Sannadkii inna dhaafay ee 2015 ayay shirkadda kale ee Isgaadhsiinta ee Somtel iyana ku dhawaaqdey bix-inta adeegga eDahab. Labada shirkadoodba waxa ay adeegyadan cusub ku bilaabeen lacagta Dollar-ka. Saamaynta qaab-lacageedkan cusubi ku yeeshay wareegga iyo isticmaalka Shilinka Somaliland ayaa ahayd mid muuqatey ilaa bilowgii curinta hab-lacageedkan cusub, oo tusaale ahaan, tartankii suuqa ee ka dhaxeeyey Shillinka Somaliland iyo Dollarka Maraykanka – gaar ahaan magaalooyinka – waxa adeegga cusubi ku keenay dheelli hor leh: halka lacagta Dollarka lagu kaydsan karo la isuguna diri karo telefoonnada gacanta, Shilinka Somaliland waxa uu ku soo hadhay in gacanta lagu qaato oo keli ah. Dalalka kale ee adduunka ee uu hab-lacageedkani ka hirge-lay, waxa telefoonnada la isugu diri karaa oo keli ah lacagta dalka. Inkasta oo bishii June ee sannadkii 2015 labada shirkadood ee Telesom iyo Dahabshiil ay ku kordhiyeen Shilinka Somaliland, haddana ilaa hadda arrintaasi uma muuqato mid laga gaadhay dantii laga lahaa ee ahayd in kor loo soo qaado isticmaalka Shilinka Somaliland.

Inkasta oo ay jiraan meelo badan oo uu ay labada adeeg ee ZAAD iyo eDahab kaga wanaagsan yihiin adeegyada kale ee dhiggooda ah ee dalalka kale, labada adeeg ZAAD iyo eDahab si toos ah uma wada shaqeeyaan, sababta oo ah marka hore ayaa aanay labada shirkadood ka dhaxayn xidhiidh dhanka is-gaadhsiinta ah.
Bilowgii adeegga ZAAD-ka, shirkadda Telesom waxa ay qaada-tay siyaasad ilaa hadda shaqayneysa oo ah in adeegga ZAAD-ka ay ka dhigto lacag la’aan, taas oo keentay in ay shirkaddu sii kordhiso awooddii ay marka horeba ku lahayd suuqa isgaadhsiinta dalka: adeegga lacag la’aanta ahi waxa uu keenay in ay Shirkaddu si dadban u hesho macaamiil ka maarmi lahaa in ay qaataan SIM Card-ka shirkadda. Sida keli ah ee qof aan lahayn SIM Card-ka shirkaddu u heli karo adeegga ZAAD-ku waa isaga oo adeegsada macmiil kale oo isagu Card haysta. Waa hab dadban oo qofka macmiilka ah dibadda soo dhigaya sirtiisa maaliyadeed, wiiqayana ammaanta inta badan lagu mannaysto Shirkadda ee ah in ay adeeg maaliyadeed oo ay u baahnaayeen gaadhsiisey qaybaha bulshada ee danyarta ah.
Haddii adeegga hab-lacageedka cusubi ku sii socdo sida uu yahay, waxa suura gal ah in uu gebi ahaanba meesha ka saaro adeegsiga lacagta warqadda ah. Sida ay qortay warbixin GSMA ka diyaarisay hanaqaadka ZAAD-ka, waxa uu adeeggani ka koray in uu yahay mid lacag la dhigto lagalana baxo, balse waxa uu taagan yahay heer macaamiishu ay ku kaydsadaan lacagtooda, kuna bixiyeen adeegyada ay u baahan yihiin iyaga oo adeegsaneya moobilladooda ZAAD Telesom.

Sida ay isla Warbixintu qortay

“Caddaymuhu waxa ay [ilaa hadda] u muuqdaan in ay yihiin kuwo tilmaa-maya in Telesom ay tahay shirkaddii ugu horreysey ee bixisa adeegga moobilka lacagaha ee abuurta hab si dhab ah u beddalaya kaashka ama la-cagta caddaanka ah.” Claire Pénicaud and Fionán McGrath 

“Boqolkiiba shan iyo sagaashan (95%) waxa wax laygaga iibsadaa ZAAD-ka Dollarka ah. Kaashka Shillinka Somali-land iyo lacagta Dollarka ah ee cadba isagaa [waa ZAADka e] ka badan” – Maqal-haye Makhaayad ku taalla Magaallada Hargeysa

Waxa arrintaa iyada ah caddayn u ah lafagurka isla maqaalka aynu kor ku soo xigan-ney. 31-kii bishii March, 2013, macaamiisha ZAAD-ka 59% ayaa celcelis ahaan ku haystay lacag dhan $37. Sida ay warbixintu ka soo xiganeyso Shirkadda Telesom, macamiisha ZAAD-ku waxa ay ku qanacsan yihiin in ay lacag ku hay-staan moobilladooda, iyaga oo fahansan in ay siyaalo kala duwan u adeegsan karaan lacagta ugu jirta moobilka. Tafaariiqleyda isticmaa-sha adeegga ZAAD, iyaguna sidoo kale waxa ay lacagta ku haystaan moobilladooda – tafaariiqleydaa 85% ayaa ku haystay moobilla-dooda lacag celcelis ahaan dhan $352. Bishii April, 2013, waxa ZAAD ka diiwaan gasha-naa 8,600 oo me-heradood. Haddii la isku dhufto qad-derka lacageed ee ay celcelis ahaan ku haysteen moobilladdooda, waxa ay noqoneysaa in celcelis ahaan $3,027,200.

Natiijada ugu weyn ee lafagurka sare tilmaamayaa waa in adeegsiga ZAAD-ku si laxaad leh hoos ugu dhigey awoodda Baanka Dhexe ee Somaliland ay tahay in uu ku maamulo suuqa lacagta ee dalka.

Bilowgii adeegsiga ZAAD, sida warbixinaha qaarkood til-maameen2 waxa jirtay cabsi ay dad badani ka qabeen in habkan cusubi sii shaqayn karo iyo in kale. Habka ZAAD-ku wakhtigan xaaliga ah kuma koobna oo keli ah lacago yar yar oo la isugu diro moobillada, balse waxa inta badan dhacda in mushaharooyinka lagu bixiyo, la-guna kala iibsado badeecadaha qiimayaashoodu sarreeyaan, ar-rintaas oo waajib ka dhigeysa in Baanka Somaliland dib u eegis ku sameeyo xidhiidhka ka dhexeeya Shilinka Somaliland iyo hab-lacageedkan cusub.

Natiijada cilmi-baadhis kooban
Baanka Dhexe ee Somaliland ayaa fuliyey cilmi-baadhis kooban oo Baanku ugu kuur galeyey xidhiidhka ka dhaxeeye Shilinka Somaliland iyo hab-lacageedka cusub ee moobillada iyada oo uu diiradda saaray suuqyo gaar ah, sida gaadiidka dadweynaha, me-heradaha qalabka electronics-ka iibiya, tukaammada bagaashka, bakhaarrada raashinka, kaalmaha shidaalka, makhaayadaha laga cunteeyo iyo kuwa shaaha iwm.

Xogtan oo la soo ururiyey horraantii bisha Janu-ary, 2016, waxa ay ku saabsan tahay adeegsida hab-lacageedka cusub ee bishii December 2015.

Tusaale ahaan, suuqyada qalabka electronics-ka, xog ururintu waxa ay tilmaameysaa in 99.81% lagaga iibsadey badeecadaha ay iibiyeen Dollar. Halka 0.19% wax lagu iibsadey SL Shiling. Iibka loo adeegsadey addeegyadda Zaad/eDahab waxa uu noqdey 58.06%, taas oo kabadan 16.31% lacagta caddaanka ah ee Dollar lagu iibsadey oo aheyd 41.75%.


Suuqyadda kaalmaha shidaalka aya iyagana sidoo kale xog-uruurinta tilmaamtey in 69% wax lagaga iibsado lacaggaha mobilad-da la iskugu diro ee Zaad iyo eDa-hab, halka 25% lagaga iibsado SLShilling 7% ayaa iyagana lagu kala iibsadey Dollar caddaan ah.

Tukaannada bagaashka mid ka mid ah oo xog waraysi loogu tegay ayaa tilmaamey in bishii December ee inna dhaaftay ayaa ku iibkii uu sameeyey uu ahaa sidan: $62,000 ayaa ku soo galay hab-lacageedka cusub ee moobilka, halka lacagta Shilinka ah lagaga iibsaday Sl Sh. 3,100,000 oo u dhiganta $413.

Gaadiidka dadweynaha oo ah mee-laha laga filayo in uu Shilinku kaga awood badan yahay Dollarka, ayaa iyana natiijada kuurgalku til-maameysaa in 25% lagu bixiyo hab-lacageedka cusub ee moobilka, halka 75% lagu bixiyo Shilinka Somaliland. Haddii aynu si kale u dhigno, afartii qof ee bas raaca, hal qof oo ka mid ahi waxa uu bas-raaca ku bixiyaa ZAAD ama eDa-hab oo Dollar ah.

Haddii dhaqdhaqaaqyadii waaweynaa ee marka horeba Dol-larka lagu bixin jiray ay suura gelin karaan hababka ZAAD iyo eDa-hab, waxa cilmi baadhistani ku talineysaa in la gaadhay wakhtigii la soo celin lahaa u adeegsiga Shil-inka Somaliland dhaqdhaqaaqyada yar yar.

Waxa jirta arrin kale oo iyana muhiim u ah xidhiidhka ka dhaxeeya Shilinka Somaliland iyo hababka ZAAD-ka iyo eDahab-ka. Sida uu  Maareeyaha Guud ee Shirkada Telesom u sheegay Warbixinta Fol-lowing Mobile Money in Somali-land, bilowgii adeegsiga ZAAD-ka oo ahayd sannadkii 2009-kii, adeegsiga Shilinka Somaliland kuma uu baahsaneyn dhammaan dalka, taas oo kellifeysay, sida Maareeyuhu sheegay, in ay adee-ggooda ku saleeyaan lacagta Dol-larka Maraykanka. Sida cad, waxa gobol kasta iyo degmo kasta oo dalka Somaliland ka tirsan ka shaqeysa lacagta Shilinka Somali-land, oo ah ta sharciga ah ee ay tahay in lagu ganacsado. Xaaladda isbeddeshay waxa ay keeneysaa in dib loo eego guud ahaan ZAAD-ka iyo eDahab-ka, laguna soo rogo in ay ku shaqeeyaan Shilinka Somali-land. Haddii aanay arrintaasi wakhtigan xaaliga ah u muuqan mid si hawl yar loo fulin karo, waxa aanu soo jeedineynaa in la-cagaha $100 iyo wixii ka yar lagu isticmaalo oo keli ah Shilinka So-maliland.

Dhibaatooyinka laxaadka leh ee ZAAD-ku ku keenay Shilinka So-maliland waxa ka mid ah in uu aad u yareeyey sarrifkii jajabka ahaa ee Shilinka Somaliland lagu celin ji-ray. Waxa hadda suura gal ah in sanaati (cents) aan hore u jirin oo Dollar ah lagu heli karo laguna diri karo ZAAD ama eDahab ahaan. Halkii ay macaamiishu marka hore baahi u qabeen in lacagaha yar yar ee Dollarka ah ay u beddeshaan Shilinka Somaliland, imika waxa ay ku heli karaan Dollar ahaan. Tusaale ahaan, iyada oo aan dhab ahaan loo hayn dhuruuruc 50 cents ah, ayaa iyada oo electronic ah lagu heli karaa ZAAD ama eDahab ahaan. Waxa ay arrintaasi keentay in ay sii kordhiso xawaaraha uu Dollarku ku dhex wareego dhaqaalaha dalka iyo suuqyada Jamhuuriyadda Somaliland. Halkii Dollar ($1) waxa uu imiki suuqa geli karaa isaga oo laba badh ah (0.5 cents iyo 0.5 cents) ama isaga oo ah afar rubuc oo min 25 cents ah. Dhanka kale ka soo istaag, oo waxa kuu muuqaneysa xaalad argagax leh oo ah in Shilinkii dalka sii dhimanneyo.

Adeegyada lacageed ee moobillada gacantu maaha oo keli ah adeegyo bixiya xawilaadda lacagta, balse sidoo kale waxa ay macaamiisha awood u siiyaan in ay wax ku iibsadaan, ku-hadalka telefanka kaga shubtaan, kana bixiyaan la-cagaha ay internet-ka ku isticmaa-laan. Sidoo kale waxa ay macaamiishu awood u leedahay in ay ku keydsadaan lacagtooda moobillada ay gacanta ku sitaan. Arrintaas oo meesha ka saareysa gebi ahaanteedba baahida loo qabo lacagta warqadda ah, haddii ay tahay Dollar ama Somaliland Shil-lings. Iyada oo marka horeba suuqa isgaadhsiinta Somaliland ahaa mid aanu ka jirin tartan suuq oo xor ahi, waxa ay arrintani keentay in adeegyo badan oo ay muwaadiniin fara badani kala soo bixi jireen nolol-maalmeedkooda gebi ahaanba meesha ka baxaan.

Adeegyada ZAAD iyo eDahab waa lacag la’aan oo shirkaduhu kama qaadaan wax lacag ah macaamiis-hooda si ay lacag u dirtaan ama u helaan.
Ilaa xadda ma meel yaallo xakame sharci loo lagu maamulo shirkadaha isgaadhsiinta oo laf-dhabar u ah laba-da adeeg ee xawillaadda lacagta ee moobillada.

Talo bixino:
In tixgelin la siiyo sidii cashuur loogu soo rogi lahaa adeegyadan si ay daw-laddu gacanta ugu soo ceshato awood ay ku maamuli karto suuqyada dhaqaale iyo maaliyadeed ee dalka.
Dhammaan lacagaha yar yar ee ka hooseeya $100 waa in laga dhigo Somaliland Shillings. Sida ay muujineyso warbixin laga qoray isticmaalka Shilinka iyo ZAAD-ka, dadka muruq-maalka ah ee aan waxna qorin waxna akhriyin waxa ugu jirta isticmaalka ZAAD-ka khatar badan.
Waa in la abuuro wakiillo ama Agents ka madax bannaan shirkadda Tele-som, oo lacagaha dalka gudihiisa loogu diri karo qof aan lahayn SIM Card.
Qaaditaanka tallaabada qodobka kor ku xusani waxa uu suura geli karaa iyada oo la adeegsado shirkadaha xawaaladaha ee kala duwan, markaa waa n xawaaladuhu ay heshiis la ga-laan shirkadaha isgaadhsiinta ee bixi-ya adeegan Mobilada lacagaha la isa-ga diro.
Waxa kale oo warbixintu ku tali-naysaa in lagu qasbo shirkadaha in addeega lacag ku shubashadda ay ku kordhiyaan in shillinka lagu shuban karo; hadey noqoto ku-hadal iyo hadey noqoto internet iwm.

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