Sabbin labarai akan NMFB – CBN Intervention Loans

Sabbin labarai akan NMFB – CBN Intervention Loans. Koyi game da matakan da NMFB ke ɗauka don tabbatar da biyan lamuni da kuma kula da kyakkyawan yanayin bashi a Najeriya.

A wani al’amari na baya-bayan nan a fannin kudi, bankin Nirsal Microfinance Bank (NMFB) ya gargadi masu cin gajiyar lamunin shiga tsakani na Babban Bankin Najeriya (CBN) kan illar da ke tattare da kasa biyan basussukan da suke.

Bankin ya yi gargadin cewa zai loda lambobin tantance bankin (BVN) na wadanda suka kasa biyan bashin zuwa bankin Credit Bureau Platform, wanda zai hana wadannan mutane samun karin lamuni a Najeriya yadda ya kamata. “Kasancewa mai daraja yana ba da sassauci na kuɗi, yana ba ku damar cancanta don manyan iyakokin ƙididdiga da yin aiki azaman hanyar tsaro yayin gaggawa ko damar saka hannun jari. Rashin biyan lamunin shiga tsakani na CBN zai haifar da shigar da bayananku zuwa Dandalin Kasuwanci, wanda zai sa ba za ku cancanci samun lamuni a nan gaba ba,” in ji NMFB.

Takaddar Lamunin Sashi na CBN Lamunin Sashi na Babban Bankin na CBN ya mamaye shirye-shirye da yawa kamar COVID-19 Targeted Facility Loan, AGSMEIS Loan, Anchor Borrowers’ Program (ABP Loan), da Asusun Zuba Jari na Matasa na Najeriya (Lamunin NYIF).

Lamunin Kayan Aikin Kiredit Na COVID-19
Gwamnatin Tarayya ta bullo da lamunin COVID-19 da aka yi niyya a watan Afrilun 2020 a matsayin wani matakin rage radadi don bayar da tallafin kudi ga Kananan Kamfanoni da Matsakaitan Kamfanoni (SMEs) wadanda annobar ta duniya ta shafa.

Babban bankin NIRSAL Microfinance Bank ne ya dauki nauyin wannan shiri, cibiyar da ke da lasisin CBN da ke da alhakin rarrabawa da karbo lamunin shiga tsakani na CBN.

Wannan kunshin lamuni, wanda ya ba da ƙimar riba na 5% na shekara ta farko da 9% na shekaru masu zuwa, an tsara shi tare da matsakaicin tsawon shekaru uku.

Duban Kusa da Rarraba Lamunin Sashi na CBN
Takaddun bayanai na kididdiga da bankin Nirsal Microfinance Bank ya bayar ya ba da karin haske kan yadda tsare-tsaren rancen shiga tsakani na CBN ke yi. Sama da ‘yan Najeriya 881,000 da ‘yan kasuwa ne suka ci gajiyar rancen da ya kai sama da Naira biliyan 503.

Cibiyar Bayar da Lamuni ta COVID-19: Magidanta 612,321 sun karɓi lamuni daga N250,000 zuwa Naira miliyan 1, wanda ya kai Naira biliyan 240.083, kuma SMEs 103,185 sun amfana da rancen da ya kai Naira biliyan 104.023.
Wadanda Ba Masu Riba Ba (NIB): Magidanta 21,027 sun sami kayayyakin aiki na Naira biliyan 9.091, yayin da 2,710 marasa Riba (NIB SME) suka samu Naira biliyan 1.057.
Tsare-tsare na Kananan Matsakaicin Matsakaicin Matsakaitan Kamfanoni (AGSMEIS): Masu amfana 31,067 sun samu lamuni da ya kai Naira biliyan 116.001.
Shirin Anchor Borrowers (ABP): An raba lamunin Naira biliyan 31.001 ga masu neman 105,244.
Asusun Zuba Jari na Matasa na Najeriya (NYIF): An bayar da lamuni da ya kai Naira Biliyan 1.009 ga masu amfana 5,527.
Tunatarwa akan Muhimmancin Wajabcin Biya.
Idan aka yi la’akari da dimbin makudan kudaden da ake rabawa masu karba a karkashin tsarin ba da lamuni na CBN, NMFB ta kuduri aniyar tabbatar da cewa wadanda suka ci gajiyar shirin sun fahimci nauyin da ke wuyansu.

Ƙarfin bankin ga waɗanda ba su biya ba ya fito fili kuma ya dace, saboda sun bukaci waɗanda suka kasa biyan bashin su da su hanzarta yin aiki.

Bankin ya nuna mahimmancin ingantaccen tarihin bashi, saboda yana da mahimmancin ƙayyadaddun yanayin lokacin neman ƙarin adadin lamuni ko shiga cikin shirye-shiryen sa baki na gaba.

NMFB ta bayyana a sarari cewa kiyaye cancantar bashi ba kawai game da cancantar samun lamuni a nan gaba ba ne har ma game da haɓaka sassaucin kuɗi, wanda zai iya zama hanyar aminci a lokutan gaggawa ko kuma samun damar saka hannun jari.

Ga wadanda suka ci gajiyar lamunin shiga tsakani na CBN wadanda a halin yanzu suke kasawa, sakon NMFB a bayyane yake: Ku girmama wajibcin biyan lamunin ku, ko ku fuskanci sakamakon.

Rashin yin hakan na iya haifar da sanya baƙaƙen lissafin kuɗi a kan Platform na Ofishin Kiredit, don haka ya sa waɗannan mutane ba su cancanci samun kima a nan gaba ba.

Ta yin haka, NMFB na nufin ƙarfafa al’adar alhakin kuɗi da kuma bin yarjejeniyoyin kwangila, masu mahimmanci don ci gaban ci gaban kowane tattalin arziki.

Tunani Na Karshe
Yayin da muke tafiya cikin waɗannan lokuta marasa tabbas, tsare-tsare irin su lamuni na shiga tsakani na CBN suna da mahimmanci ga rayuwar SMEs da kuma tattalin arzikin Najeriya gaba ɗaya.

Babban mahimmanci, duk da haka, yana kan masu karɓa don mayar da wannan alamar ta hanyar girmama alkawuransu da kuma kiyaye tarihin bashi mai tsabta, wanda ke da mahimmanci ga ci gaba da aiki da dorewar yanayin yanayin kuɗin ƙasar