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World Street Journal, Somaliland—Sicir barar xad-dhaafa iyo go’doomin dhaqaale ayaa u jiheeyay Jamhuuriyaddan aan la aqoonsan ee dhaqaalaheedu hooseeyo inay ku talaabsato guul la taaban karo oo ay kaga horreyso waddamo badan oo calaamka ah: “Dhaqaale bilaa kaash ah”.

Adeegga lacagta mobilada ayaa aad u horumaray tobankii sano ee lasoo dhaafay gaar ahaan qaaradda Africa; 10kii qofba qof ayaa isticmaala taas oo u dhiganta in qaaradda ay ka isticmaalaan 100 milyan oo qof. Waddanka Kenya ayaa hirgeliyay Adeegga M-Pesa, kaas oo guud ahaan loo aqoonsan yahay inuu yahay adeegii ugu horreeyay ee Adeegga lacagta mobilada oo si dhaba u hirgelay, isla markaana waxa macmiil u ah 26 milyan oo ah kala badh dadweynaha ku dhaqan wadanka Kenya. Cilmi baadhis ay sameeyeen McKinsey & Co ayaa caddaysay in kala badh adeegyada lacagta mobilada ee dunidu ay ka shaqeeyaan wadamada dhaca koorfurta lama-degaanka Saharaha ee Afrika.

Qaaradan Afrika oo hoy u ah qaar badan oo ka mid ah hormuudka dhaqaalaha aduunka, ayaa ku dhawaatay inay ka talaabsato isticmaalka baananka caadiga ee dunida inteeda kale adeegsato, iyadoo si toosa ah ugu dhaqaaqday una dhaqan gelinaysa Adeegga lacagta mobilada.

Akhri Warka Oo English Ah: An Isolated Country Runs On Mobile Money

Faa’iidada Adeegga lacagta mobilada ayaa si cad looga dheehan karaa Somaliland, halkaasoo xaaladaha dhaqaale iyo maaliyadeed ay u saamaxday Adeegga Zaad oo ah adeeg ay bixiso shirkadda ugu balaadhan xaga isgaadhsiinta ee Telesom, inuu fududeeyo ganacsiga meel ka mida meelaga ugu go’doonsan aduunka.

“Aniga musharkaygu wuxu iigu soo dhacaa Zaadka, kaashna waxaan isticmaalaa oo keliya markaan waayo Adeegga Zaad”. Sidaa waxa yidhi Qaasim Cali oo ka shaqaysta supermarket ku yaala casimadda Somaliland ee Hargeisa. “Waxaan doorbidaa Zaadka waayo lacagta ayuu kuu fududaynayaa, waxaanay hoos u dhigaysaa in lagu dhaco”

Somaliland waa Jamhuuriyad iskeed isku magacowday oo ay ku nool yihiin 3.5 milyan, oo ka goosatay wadanka Somalia 1991, wali ma jiraan dawladdo shisheeye oo aqoonsaday madax banaanida Somaliland iyadoo ka nabad-gelyo badan Somalia, wax xidhiidh ah lama laha bangiyada caalamiga ah, walaac laga qabo maalgelinta argagixisada awgeed, taasoo sababtay in xayiraad adag la saaro macaamilka ganacsi.

Waddanku wuxu daabacdaa lacagtiisa gaarka ah, Somaliland Shilling, laakiin sarrifka 10,000 shillin ayaa u dhiganta hal dollar, sida ay sheegeen sarriflayaashu. Arrintan ayaa sababta in lacagta dollarka ah aad loo adeegsado, taas oo waddanka kusoo gasha xawaalad ahaan ama hay’adaha gargaarka ee ka hawlgala halkan kuwaasoo lacagta ay bixiyaan ay tahay dollar.

Tan iyo markii la furay sannadkii 2009, Adeegga Zaad oo macnaheedu yahay “Sahay” ayaa maata leh 850,000 macmiil, taas oo qiyaastii noqonaysa rubuc bulshada ku dhaqan waddankan. Bulshada ayaa u adeegsata Zaadka mobiladii hore iyo kuwa casriga ahba iyo barnaamij loogu talo galay Adeeggan.

Adeegga lacagta mobilada la’aantii way adag tahay in lacagtu dhex wareegto waddanka. Bangiyo ganacsi oo halkan ka shaqeeyaa ma jiraan, qaadista lacag cadaana oo lala maro wadooyinka waxa kaaga lumaya wakhti badan. Shirkaddaha ayaa mushaharka ku bixiya Adeegga Zaad, halkay lacag kaash ah oo xad-dhaafa siin lahaayeen shaqaalahooda.

Maanta, celcelis ahaan 35 jeer ayuu qof kasta oo Adeeggan isticmaalaa adeegsadaa bishii, waxayna sheegeen dadka reer Somaliland inay door bidaan inay macaamilkooda maalinlaha ha u adeegsadaan Zaadka. Habka fudud ee farriin qoraalka Adeeggan ayaa u sahlaya in xitaa bulshada intaan wax baran inay si sahlan u isticmaali karaan.

Marka laga yimaado macaamilka u dhaxeeyaya moobil ilaa moobil, macaamiishu waxay lacagtooda shillingka ama dollarka ah ku shuban karaan mobilkooda iyagoo kaga shubanaya laamaha rasmiga ah ee shirkadda Telesom ama sarriflayaasha waddooyinka dhinacyadooda fadhiya si ay u isticmaalaan.

“Adeeggani wuxuu ka qayb qaatay habsami u socodka hawlgalka dhaqaale ee waddanka” ayuu yidhi Abdikarim Eid Guddoomiyaha shirkadda Telesom.

Guusha Adeegga lacagta moobilada ee Somaliland waxaad ka arkaysaa suuqyada iyo waddooyinka mashquulka ah ee magaaladda Hargeisa halkaasoo aad ku arkayso sarriflayaal saf saf u fadhigay oo ay hor tuulan tahay lacag kaash ah, taas oo ku jirta joonyado ama saxaarad shabag ah oo dhamantood sarrifaya lacagaha kala duwan. Si ay macaamiisha u gaadhsiiyaan kaashka ay rabaan waxay inta badan sarriflayaashu shaqaalaysiiyaan gacanyare lacagta ku qaada kaaryoone kaas oo lacagta kolba halkii la rabo geeya.

Cabdillaahi Cabdiraxmaan oo  kaalin shidaal ku haysta Magaalada ayaa todobaadkiiba mar laba joonyadood oo kaash ah la yimaada suuqa sarriflayaasha si uu lacagtaa ugu badasho dollar oo uu Zaadkiisa ugu shubto.

Macaamiisha ayaa Cabdilahi wax kaga iibsada shillinka Somliland. Laakin isagu wuxuu u baahan yahay lacag dollar ah sababtoo ah isagu wuxuu shidaalka kusoo iibsadaa dollar, lacagta qaybt ka mida wuxuu ku helaa zaad, taas oo hawsha u fududaysa xilligan adag ee sicir bararku kacsan yahay.

Dhacdooyinka caynkan oo kale ayaa celcelis ahaan Adeegga Zaadka kor u qaaday 10% sannadkii lasoo dhaafay oo keliya.

Zaad iyo adeegyada lacagaha ah ee cusub ayaa laf dhabar u ah inuu shaqeeyo oo horumaro dhaqaalaha Somaliland, dareenka wadaniyadeed ee mulkiilayasha Adeeggan ayaa aad u sarreeya taas oo sababtay inay Adeeggan dhamaantii ka dhigaan mid bilaa lacag ah oo bilaasha. Hadaad eegto wadamada kale Africa ee Adeeggan bixiya waxaad arkaysaa siduu qaali u yahay Adeeggani waayo waxay ka qaadaan khidmad dhan 10% 1kii dollarba (10% per 1 dollar).

By Matina Stevis-Gridneff
Wall Street Journal

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