Miliyoyin Masu Neman Rancen NIRSAL Microfinance Bank Sun Yi Mamakin Jinkirin Bayar da Rance

Miliyoyin mutane masu neman rance daga bankin NIRSAL Microfinance sun yi mamakin dalilin jinkirin bayar da rance, musamman a wannan watan na ƙarshe na shekarar 2021. Yayin da wasu ke alakanta hakan da dakatar da shirye-shiryen bayar da rance da Gwamnatin Tarayya ta yi, wasu kuma na ganin masu rike da madafun iko ne suka karkatar da kudaden da aka ware domin gudanar da rancen.

Wannan ya haifar da masu neman rancen suna yin ba’a ga hukumomin bankin Microfinance na NIRSAL, har ta kai ga abin kyama ga wadanda ba su amfana ba. A cikin zafi na hasashe da tsammanin, gwamnatin tarayya ta bayyana cewa ba gaskiya ba ne cewa ta dakatar da shirye-shiryen, kuma zargin cewa masu rike da madafun iko sun karkatar da kudaden ba shi da tushe.

Manajan Daraktan Bankin Microfinance na NIRSAL, Abubakar Abdulahi Kure, ya bayyana cewa har yanzu shirye-shiryen bayar da rance na ci gaba da gudana. Ya bayyana cewa babban abin da ya yi tasiri wajen bayar da rance shi ne yadda bukatar ‘yan Najeriya ke neman rancen ya zarce kudaden da ake ware wa shirin. A halin yanzu kimanin ‘yan Najeriya miliyan bakwai ne ke jiran amincewa da rancen a ma’adanar bayanan su.

Kure ya bayyana cewa, “Bayar da rancen non-interest loan na COVID-19 yana ci gaba da gudana. Bukatar ta fi wadata.” Kwamitin da ke kula da harkokin kudi (MPC) ya yi taro na baya-bayan nan ya bukaci babban bankin Najeriya da ya ci gaba da aiwatar da shirye-shiryen rancen na COVID-19, saboda dimbin tasirin da shirye-shiryen ke da shi ga gidaje da kanana, kanana da matsakaita (MSMEs) Najeriya.

Kure ya bayyana cewa babban bankin Najeriya ya dage cewa maimakon a kara wasu kudade a cikin shirye-shiryen rancen, ya kamata a mayar da hankali wajen kwato rancen da aka bayar ga masu cin gajiyar kudaden. An bayyana a fili cewa rance ne ba kyauta ba ne kuma dole ne a biya su. Don haka, Gwamnatin Tarayya ta himmatu wajen maido da rancen da ake da su ta hanyar tsare-tsaren biyan kuɗi, da kuma amfani da shi wajen bayar da kuɗin da za a biya na gaba ga yawancin masu nema.

A cewar shugaban NMFB, bankin NIRSAL Microfinance Bank ya raba rancen sama da Naira biliyan 503 ga ‘yan Najeriya da ‘yan kasuwa sama da dubu 881. Ragowar wadanda suka ci gajiyar tallafin ya nuna cewa gidaje 612,321 sun samu N240.083 a matsayin rance daga N250,000 zuwa Naira miliyan daya. Hakazalika, tsakanin 2020 zuwa Disamba 2021, 103,185 kanana da matsakaitan masana’antu (SMEs) sun sami lamuni da darajarsu ta kai N104.023 kuma a ƙarƙashin COVID-19 TCF.

Haka kuma, gidaje 21,027 da ba su da Riba (NIB) na lamunin NIRSAL MFB sun samu kayayyakin aiki da ya kai Naira biliyan 9.091. Kanana da matsakaitan sana’o’i (SMEs) a karkashin tsarin masu zaman kansu (NIB SME) wadanda suka kai 2,710 sun samu rancen na Naira biliyan 1.057 yayin da 31,067 Agric Small Medium Enterprises Scheme (AGSMEIS) suka ci gajiyar N116.001 biliyan rance daga NIRSAL MFB a shekara guda. Haka kuma, 105,244 Anchor Borrowers’ Programme (ABP) da suka yi nasara sun karbi rance da ya kai Naira Biliyan 31.001 yayin da Asusun Zuba Jari na Matasa na Najeriya (NYIF) 5,527 su ma suka ciyo bashin Naira Biliyan 1.009.

Kamar yadda ake tsammani kuma a halin yanzu a ka’ida, adadin rancen da aka dawo da shi ta hanyar biyan sama da masu amfani dubu 800 da ake da su, za a yi amfani da su don ƙara ƙarin kuɗi ga sauran masu neman shirin lamuni. Ko da yake akwai ɗan bambanci a cikin Asusun Zuba Jari na Matasa na Najeriya. Yayin da wasu shirye-shiryen ba da rance suka kashe kudaden da aka ware musu, asusun zuba jari na matasan Najeriya ya dauki kasa da kashi daya bisa hudu na kasafin kudin sa. Hakan na nufin za a ci gaba da bayar da rancen a karkashin asusun zuba jari na matasan Najeriya.

Amma zuwa yanzu hankalinsu ya fi karkata wajen ganin sun karbi kudaden bashin da suka bayar. Amma hakan ba zai hana su sake ba wa wasu rancen kudade da suka nema ba.

Allah ya sa mu dace.