Babban Bankin Nijeriya (CBN) ya gabatar da shawarar kafa wani kwamitin sasanci wanda zai zama matakin farko wajen warware rikice-rikicen da suka shafi rance, domin rage yawan tsilla-tsilla a kotuna a harkokin bayar da lamuni da aka jingina da kadarori.
An bayyana wannan shiri ne a cikin wata sanarwa da CBN ya fitar ranar Talata, inda ya gayyaci masu ruwa da tsaki su bayar da ra’ayoyin su kan kundin dokoki da aka tsara domin kafa Kwamitin Sasanci da Warware Rikice-rikice (MDRP) a ƙarƙashin Tsarin Karɓar Lamuni ta Hanyar Jinginar Kadarori, wato STMA.
Sanarwar tana ɗauke da sa hannun Muƙaddashin Daraktan Sashen Bayar da Shawara kan Harkokin Kuɗi na CBN, P. I. Oluikpe.
“Kwamitin zai kasance, ba tare da wata kotu ko wata hukuma a Nijeriya ta shiga ba a matakin farko na sauraron duk wani rikici da ya taso daga aiwatar da dokar,” inji bankin.
CBN ya kuma ce wannan mataki na daga cikin ƙoƙarin sa na ƙarfafa tsarin harkokin kuɗi da kuma inganta warware rikice-rikicen da suka shafi rance da aka jingina da kadarori masu motsi.
Ya ƙara da cewa, “CBN na ƙirƙirar ƙa’idoji da hanyoyin tafiyar da Kwamitin Sasanci da Warware Rikice-rikice.”
A cewar sanarwar, an tsara kwamitin ne domin samar da wata hanya ta musamman, mai rangwame, wacce za ta taimaka wajen warware rikice-rikicen da suka shafi ƙirƙira, cika sharuɗɗa, da kuma tilasta haƙƙin jinginar kadarori masu motsi.
Wannan shiri ya samo asali ne daga dokar ‘Secured Transactions in Movable Assets Act’ (STMA), ta 2017, wacce ta kafa kwamitin a matsayin matakin farko na sasanci da sulhu tsakanin masu bada bashi da masu karɓa.
CBN ya bayyana cewa manufar waɗannan ƙa’idoji ita ce tabbatar da tsari mai kyau, ingantacce wajen tafiyar da rikice-rikice tare da kara amincewa da tsarin bayar da lamuni da aka jingina da kadarori masu motsi.
“Babban burin waɗannan ƙa’idoji shi ne samar da tsari mai ma’ana da daidaito wajen tafiyar da rikice-rikicen STMA, tare da tabbatar da gaskiya, adalci da inganci,” inji CBN.
Ƙa’idojin sun bayyana cewa kwamitin zai yi amfani da hanyoyin warware rikice-rikice na sulhu, tare da mayar da hankali wajen kiyaye kyakkyawar alaƙa tsakanin ɓangarorin da kuma samun mafita cikin gaggawa.
Haka kuma, an ce ana sa ran kwamitin zai yanke hukunci cikin kwanaki 90 daga ranar fara sauraron kowace ƙorafi.
A ƙarƙashin tsarin da aka gabatar, dole ne ɓangarorin da ke rikici su amince da ikon kwamitin, sannan su nuna cewa sun yi ƙoƙarin warware matsalar ta hanyoyin sasanci na farko kafin kai ƙarar.
“Dole ne ɓangarorin su nuna cewa sun yi ƙoƙarin sasanta rikicin ta hanyoyi kamar tattaunawa kafin su kai batun ga kwamitin,” inji takardar.
Ƙa’idojin sun kuma ce rikice-rikicen da za a karɓa dole su kasance suna da ingantacciyar yarjejeniyar jinginar kadara, su ƙunshi sharaɗin sasanci, kuma an yi rajistar su a ‘National Collateral Registry.’
Kwamitin zai ƙunshi ƙwararru daga ɓangarorin shari’a, banki, kuɗi da kuma warware rikice-rikice, kuma kowane mamba zai kasance yana da aƙalla gogewar shekaru 10 a aikin sa.
CBN ya ce zai naɗa membobi 30, inda za a riƙa zaɓar mutane uku-uku a jere domin sauraron kowace ƙara.
Kowane rukuni zai kasance ƙarƙashin shugaba, tare da samun goyon bayan sakatariya wacce za ta kula da gudanarwa, tsara shari’o’i, jadawalin sauraro da kuma rubuce-rubuce.
Hanyoyin sasanci za su haɗa da gabatar da ƙorafi da takardu, tantancewa na farko, da kuma sauraron shari’a wanda za a iya gudanarwa a fili, ta yanar gizo, ko kuma a haɗe.
Ƙa’idojin sun kuma bayyana cewa hukuncin kwamitin zai zama dole ga ɓangarorin kuma za a iya aiwatar da shi a kotu a matsayin hukuncin da aka amince da shi.
“Hukuncin zai zama wajibi ga ɓangarorin kuma za a iya aiwatar da shi a kotu a matsayin hukuncin sulhu,” inji takardar.
Sai dai kuma, ɓangarorin suna da damar ɗaukaka ƙara bisa wasu takamaiman dalilai da suka shafi doka ko haɗe da gaskiya, cikin wani lokaci da aka ƙayyade.
Tsarin ya jaddada muhimmancin sirri, inda aka ce duk bayanan da aka tattauna a yayin sasanci dole ne a kiyaye su.
Za a samar da kuɗin gudanar da kwamitin ne daga tallafin CBN, kuɗaɗen gudanarwa da ɓangarorin da ke rikici za su biya, da kuma wasu hanyoyi.
Bankin ya ce yana neman ra’ayoyin masu ruwa da tsaki a matsayin wani ɓangare na tsarin yanke shawara na bai daya.
“A tura ra’ayoyi kafin ranar 9 ga Oktoba, 2026,” a cewar sanarwar.
Wannan mataki ya zo kusan wata guda bayan da CBN ya umarci bankuna da su taƙaita wasu ayyukan banki ga manyan masu taurin bashi, domin ƙarfafa ladabtar da masu karɓar bashi da kuma kare tsarin kuɗi.
A cikin wata wasika mai dauke da kwanan wata 12 ga Maris, 2026, wacce Daraktan Kula da Bankuna, Olubukola Akinwunmi ya sanya wa hannu, bankin ya umarci masu bada lamuni su ƙara tsaurara matakai kan irin waɗannan masu taurin bashi.
CBN ya ce duk masu bashi da aka sanya rancen su cikin jerin waɗanda ba sa biya a tsarin ‘Credit Risk Management System’ ko a kowanne kamfanin bayanan bashi da aka amince da shi, ba za su iya samun sabon bashi ba.
