Sakonnin Masu Karatu (2021) (10)

Kamar yadda muka saba lokaci zuwa lokaci, idan tambayoyi da sakonnin masu karatu suka taru mukan samu lokaci don amsa su, iya gwargwadon lokaci da iko.  A yau mun duba jakar wasikunku ne.  Sai aci gaba da kasancewa tare damu.

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Barka da rana Baban Sadik.  Ni tambayata ita ce, me ya bambanta lambar kudin da mutum yake gani a cikin taskar ajiyarsa ta banki (Bank Account) – wanda lambobi ne ake gani – amma idan aka je na’urar ATM ko cikin banki, sai kaga kudin sun fito a Zahiri.  Kuma nan take sai kaga wadancan lambobi sun ragu ko kuma sun karu, idan aka saka wasu kudaden ta hanyar e-Naira?  – Nine: Edward David, ed30054@gmail.com.

Barka dai Malam Edward. Fatan kana lafiya kai ma.  Dangane da amsar tambayarka, abu na farko da ya kamata ka sani shi ne, duk adadin kudi da ka gani a taskar ajiyarka ta banki a rubuce, to, dayan biyu:  ko dai kai ne ko wani ya saka asalin takardun kudin a taskarka daga wani wuri ko daga wani banki, ko kuma aiki kayi ko wata haja ka sayar aka biyaka ta wannan hanya.  Kuma wanda zai biya din nan, ko dai asalin takardun kudade ne yaje banki ya bayar don a saka maka a taskar ajiyarka, ko kuma daga taskar ajiyarsa ne ya aiko maka da adadin kudaden da ka cancanta.

Abin da wannan zance ke nufi dai a takaice shi ne, a tsarin ajiya a banki, alakar da ke tsakaninka da banki dai alaka ce ta mai ajiya da wanda ya kawo ajiya.  Wannan ajiya da banki ke yi na kudaden mutane, ba ajiya bane irin wanda ka sani tsakaninka da wani.  A a, ajiya ce mai dauke da lamuni.  Ma’ana, idan ka bude taskar ajiya a banki, a kaikaice kamar ka basu rance ne, amma mai dauke da lamuni.  Wato kana saka kudin a taskar ajiyarka, zasu iya dauka suyi kasuwanci dashi ko su ba wani rance.  Amma sun lamunce cewa a duk sadda ka tashi bukatar kudin, to, nan take za su baka.

Wannan ke tabbatar da cewa idan kaga lambar adadin kudi a taskar ajiyarka ta banki, to, akwai takardun kudi na ajiye a wani wuri don wakiltar wadannan lambobi na adadin kudade; ko da kuwa ba ka ganinsu a Zahiri.  Shi yasa, idan kana da naira miliyan daya a taskar ajiyarka, sai ka aika wa wani naira dubu dari, nan take bankinka zai cire wancan adadin kudin daga lissafin abin da ka mallaka, ya aika wa wanda ka tura masa ta bankinsa.  Da zarar bankinsa ya karbi kudin, sai ya kara masa kan adadin kudaden da yake dasu a taskar ajiyarsa idan har akwai.  To sai dai kuma, tunda lambobi ne bankinka ya aika ma wancan banki, ta wace hanya zai karbi asalin takardun kudaden da kace a baiwa mai taskar ajiyar?

Amsar ita ce, akwai kasuwa ta musamman tsakanin bankunan da kamfanonin hada-hadar kudade a babban bankin Najeriya, wato: “Clearing House.”  A wannan kasuwar ce kowane banki ke biya ko karban abinda wani banki yace ya aika wa wani a madadinsa.  A shekarun baya a Najeriya, wannan kasuwa ce ta Zahiri.  Amma a halin yanzu, kasuwar ta kowa hanyoyi da na’urorin sadarwa na zamani.  Kamfanin dake tafiyar da wannan kasuwa kuwa shi ne: “Nigerian Interbank Settlement System”, ko “NIBSS”, a gajarce.  Shi yasa da zarar ka aika kudi zuwa taskar ajiyar wani, cikin ‘yan mintuna sai yaji sun shigo taskarsa.  Sabanin zamani ko shekarun baya da sai kudaden sunyi kwanaki 3 kafin su shiga taskar ajiyarsa, idan ba banki daya kuke ba.

A takaice dai, takardun kudin da kake cirewa daga na’urar ATM dai, idan ba na bankinka bane, to, rance ne bankin ke baiwa bankinka, don baka damar mallakar kudaden a sadda kake so.  Su kuma bankuna kan warware lissafin dake tsakaninsu ne ta gamammen tsarin karba da mikawa na NIBSS, kamar yadda na ayyana a sama.  Lambobin kudin dake raguwa ko karuwa kuma da kake gani, lissafin na aukuwa ne daga wancan gamammen tsarin cinikayya na NIBSS.  Dangane da e-Naira kuma, tsakanin bankin CBN ne da kuma bankinka; cikin sauki.

Da fatan ka gamsu.

Assalamu alaikum Baban Sadik, da fatan kana cikin koshin lafiya, kuma Allah Ya kara basira, amin.  Ta yaya zan rika samun sababbin makalolinka a duk sadda aka buga su ne?  Saboda ni ma’abocin bibiyar shafinka ne sosai.  Daga:  Ibrahim Hashimu, Tafa, Kaduna State – ibrahimhashimu253@gmail.com.

Wa alaikumus salam, barka ka dai Malam Ibrahim.  Ina godiya matuka da addu’o’inku.  Hanyar samun sababbin makalolina dai ita ce, ko dai ta hanyar shafin kimiyya da kere-kere dake wannan jarida ta AMINIYA mai albarka.  Ko kuma ta hanyar gidan yanar sadarwa na musamman da na bude mai suna: “Taskar Baban Sadik” (https://babansadik.com).  Idan ka ziyarci shafin, za ka ga fom na musamman inda za ka mika adireshinka na Imel.  A duk sadda na dora sabuwar Makala, nan take za a sanar dakai don hawa ka karanta.  Allah sa a dace, amin.