Kasashen da tsabar kuɗi ke dab da ɓacewa

Shin ko rashin amfani da tsabar kudi yana da tsafta kuma ya fi inganci?
Image caption Shin ko rashin amfani da tsabar kudi yana da tsafta kuma ya fi inganci?

Mahaifina wani tsohon mai sayar da hannayen jari ne kuma ya sha ba ni shawarar cewa, "kuɗi masu gidan rana" kuma in riƙe su gamgam duk lokacin da aka shiga wani mawuyacin hali na tattalin arziki.

Ba zan iya tuna lokaci na ƙarshe da muka karɗi tsabar kuɗi ba wajen yin ciniki.

Sai dai a Netherlands tsabar kuɗin bai samun karramawa kamar wasu ƙasashe.

A wurare da dama an ma daina amfani da tsabar kuɗi wajen hada-hada.

Shaguna da dama na ƙasar waɗanda suka haɗa da masu sayar da magunguna da kayyakin abinci har da masu sayar da biredi sun fi amfani da kati wajen cinikayya.

Wasu ƙananan 'yan kasuwa har su kan bayyana cewa rashin amfani da tsabar kuɗi yana da tsafta kuma ya fi inganci.

Na riƙe katin banki na gam-gam, sai na yanke shawarar ganin ko zuwa wani tsawon lokaci ne tsabar kuɗi da nake da su za su ishe ni.

Basu kai ni ko ina ba. Domin tuni aka daina amfani da tsabar kuɗi wajen sayen tikiti da biyan kuɗin haya dana wayar salula da sauran su.

Hakkin mallakar hoto Getty Images
Image caption ƙaruwar hanyoyin ciniki ta shafin internet ya sa an samun raguwar hada -hada da tsabar kuɗaɗe a ƙasashen duniya da dama

Lamarin ya yi matuƙar bani mamaki lokacin da Marielle Groentjes wanda ke kamfanin dake kula da gidan da nake zaune ya shaida min cewa "ba zan iya tuna lokaci na ƙarshe da mu ka karbi tsabar kuɗi wajen ciniki ba", kuma an daɗe da kamfanin Hoen Property Management BV.

"Bama son tsabar kuɗi a ofishin mu ba mu da wurin ajiya kuɗi kuma bankuna suna cajin mu wasu kuɗaɗe idan muka kai ajiyar tsabar kuɗi."

Ba zan ma iya amfani da kuɗin Euro ba wajen biyan kuɗin da ake caji na ajiye mota a wurare da dama a cikin birni.

Amma kuma abun takaici shine wasu ƙananan abubuwa su suka zama matsala ta, domin kuwa ba zan iya sayen su ba.

Tilas sai dai in bi dogon layi na masu biya da tsabar kuɗi bayan sayen kayayyaki, yayin da na ke kallon masu amfani da kati suna ta wuce ni a tsanake har ma za su iya isa gida don cin abincin dare.

A lokacin da na yi ƙokarin sayen biredin da ake haɗawa da kifin gongoni a wani gidan biredi mai suna Vlaams Broodhuys, an ma ƙi karɓar kuɗi na.

Ba zan ma iya amfani da kuɗin Euro ba domin biyan kuɗin ajiye mota a wurare da dama a cikin birni

"Tsabar kuɗi sun zama tamkar kaya ne," in ji Michiel van Doeveren, wani babban mai bada shawara a babban bankin ƙasar.

Sai dai ya lura cewa matsalar zirga-zirga ita ce ta haddasa amfani da tsabar kuɗi ya ke da tsada.

Tilas a kwashe su kuma riƙa gadin su har ma sai an yi musu rijista, maimakon amfani da kati.

" Ya ce yana da muhimmanci a ƙara ƙarfafa amfani hanyar ciniki ta internet saboda muna son ƙarfafa ingantaccen tsarin biyan kuɗaɗe.

Hatta ma masu sayar da jaridu da mujallu suna amfani da kati wajen ciniki a 'yan kwanakin nan.

Yadda zaka nemi kuɗi

Tsarin ciniki ta Internet a manya da ƙananan shuguna a Netherlands sun zarta yawan amfani da tsabar kuɗi a karon farko a 2015 da ɗan ƙaramin tazara:

Kashi 50 cikin 100 na jama'a suna amfani da kati yayin da kashi 49.5 ke amfani da hanyar biyan tsabar kuɗi sai kuma kashi 0.5 dake cinikin bashi.

Kuma gamayyar bankunan ƙasar da ƙananan 'yan kasuwa na son a ƙara yawan amfani da kati wajen cinikayya zuwa kashi 60 yayin da amfani da takardun kuɗi ya zama kashi 40 nan da shekarar 2018.

A cewar su, rashin amfani da tsabar kuɗi wajen cinikayya ya fi sauƙi da kuma rashin hadari .

Hakkin mallakar hoto Alamy
Image caption Albert Heijn ta bude wani shago da ake sayar da kayayyakin abinci ba tare da ta dauki mai amsar kudi ba.

Kamar dai ƙasar Netherlands wasu ƙasashe dake maƙwabtaka da ƙasar kamar Sweden na sahun gaba wajen kawadda amfani da tsabar kuɗi wajen kasuwanci, amma kuma ba duk 'yan ƙasar ne su ka yi maraba da hakan ba.

"Wannan babbar matsala ce, saboda ga ƙananan 'yan kasuwa, yana da tsadar gaske ka ajiye tsabar kuɗi a bankuna," in ji Guido Carinci, shugaban ƙungiyar ƙananan 'yan kasuwa wato TOMER.

Mr Carinci, ya ce halin da ake ciki ya yi matuƙar muni, inda ya ce sai ya biya 300 na kuɗin Sweden wato kronas (kimanin dala $35) a kowane wata ga wani kamfani da ke iya kai ajiyar tsabar kuɗi a asusun ajiya a bankuna.

Wannan ya danganta ne ga batun ribar da ake samu.

Bankunan Sweden sun ce ribar da ake samu wajen cajin kuɗaɗe ga ƙananan 'yan kasuwa domin yin ciniki ta hanyar amfani da kati ya kai miliyoyin kronas (wato sunan kuɗin kasar) a duk shekara ga bankunan, saɓanin yadda ba'a samun komai wajen amfani da tsabar kuɗi.

Wannan ya sa bankuna ba su da zaɓi kan batun amsar tsabar kuɗi.

Yayin da ake danganta tsadar jigila da kuma tsaro wajen amfani da tsabar kuɗi, 'yan kasar Sweden da dama tuni suka ƙauracewa yin hakan waɗanda suka haɗa da katafaren kamfanin sadarwa na kasar Telia da tuni ƙananan shagunan kamfanin suka daina karbar tsabar kudi tun daga 2013.

Motocin safa na ƙasar ma sun daina karbar tsabar kuɗi a hannun fasinjoji fiye da shekaru, kai hatta wasu masu sayar da mujallu suna amfani da kati wajen hada hada a 'yan kwanakin nan.

Sai dai matsalar ta yi yawa har ta kai mazauna ƙasar sun rasa yadda za su yi da tarin takardun kuɗi da bankuna ba sa so, inda wasu ke ajiye takardun kuɗi a na'urar da ake ɗumama abinci, a cewar Björn Eriksson, shugaban gamayyar kamfanonin dake samar da tsaro wato Säkerhetsbranschen.

Hakkin mallakar hoto Getty Images
Image caption Wani ma'aikaci a shagon M-Pesa a birnin Nairobi na ƙasar Kenya inda ake amfani da wayar salula wajen biyan kuɗin kayayyaki

Alaƙar al'adu

Akwai saɓannin ra'ayi a tsakanin nahiyar turai dama duniya baki ɗaya.

Wasu al'adu basa son rabuwa da tsabar kuɗi, kamar al'ummar Jamus waɗanda sakamakon wani bincike na baya bayan nan da babban bankin ƙasar ya gudanar ya nuna cewa, wasu jama'a sun fi son a basu tsabar kuɗi wanda hakan ya ke basu damar iya taƙaita kuɗin da za su kashe.

A nahiyar turai musamman ƙasashen masu ƙarfin tattalin arziki, har yanzu fiye da kashi 75 cikin 100 na cinikayya ana yin su ne da tsabar kuɗi.

Misali a ƙasar Italiya, inda dabi'ar amfani da tsabar kuɗi ta mamaye ko ina, adadin masu son amfani da tsabar kuɗin ya kai kashi 83 cikin 100.

Cigaban fasahar da aka samu wajen amfani da wayar salula ya sa bankuna da dama sun karkata wajen taƙaita amfani da tsabar kuɗi a wasu ƙasashen Afrika.

Misali, a ƙasashe kamar Kenya da Tanzania tsarin amfani da wayar salula wajen hada-hada da bankuna wato M-Pesa na nufin miliyoyin mutane yanzu suna biyan kuɗin haya ko na ababen more rayuwa da karbar albashi, da sayen dabbobi kai har ma gudanar da wasu ƙananan ciniki a wasu kasuwanni ta hanyar amfani da asusun ajiyar su na banki dake wayar salular su.

Idan kana son karanta cikakken labarin a harshen Ingilishi latsa nan: The countries where cash is on the verge of extinction