Gwamnan Babban Bankin Nijeriya (CBN), Olayemi Cardoso, ya yi gargaɗi cewa yawan kuɗin da ke damɓare a cikin tsarin kuɗi da kuma shigowar zagayen zaɓen shekarar 2027 na iya zama babbar barazana ga kwanciyar hankali da tattalin arzikin ƙasar ya samu kwanan nan.
Cardoso ya buƙaci a kula sosai domin kare gyare-gyaren da aka aiwatar.
Ya yi wannan jawabi ne a taron Majalisar Tattalin Arziki ta Ƙasa (NEC) na 2026, wanda aka gudanar a Fadar Shugaban Ƙasa a ranar Litinin.
Ya gabatar da jawabi ne kafin zaman tattaunawa mai taken “Hasashen Manufofin Kuɗi da Kasafin Kuɗi na Zangon Shekarun 2026–2030: Muhimman Abubuwa da Buƙatu”.
Ya tuna da mawuyacin halin da aka gada a gwamnatocin baya, da suka haɗa da manufofin tsare-tsaren kuɗaɗe marasa inganci, waɗanda ya ce babbar matsala ce.
Ya ce: “Sannan hauhawar farashi mai ɗorewa, wanda a lokacin baya sai da malejin hauhawar farashi ya kai kashi 34.6%. Kasuwar musayar kuɗi ta ƙasashen waje ta lalace a baya. Kun tuna akwai giɓin biyan kuɗi sama da dala biliyan bakwai, sannan bambancin farashin kasuwar bayan fage ya wuce kashi 16%.
“An rasa amincewar daga ɓangaren masu zuba jari. Kowa yana tafiya, babu mai son riƙe Naira, kuma yanayin ya yi matuƙar muni.
“Daga nan Babban Banki ya shiga tsakani kai tsaye, inda ya kai ɗauki, har ya kai matakin da ba a taɓa gani ba na Naira tiriliyan 10.93, wanda gaskiya babbar matsala ce.”
Cardiso ya ce wannan tsoma bakin “ya samar da tallafi na ɗan lokaci, amma sun haifar da matsaloli na dogon lokaci, kamar karkatar da tsarin kasuwa, yawan kuɗi a tsarin kuɗi, da ƙarin farashin sarrafa kuɗi.”
A cewar sa, batutuwan sun ta’allaƙa ne kan ginshiƙai uku.
Na farko: “Ɗaukar tsauraran manufofin kuɗi, inda aka ƙara ƙimar kuɗin ruwa (NPR) da maki 875 cikin tsauri domin shawo kan hauhawar farashi. Mun koma ga abin da ake kira tsayayyun manufofin kuɗi na game-gari, mun dakatar da dukkan tsare-tsaren kuɗaɗen ci gaba na gwamnati domin maida hankali kan daidaita farashi, domin ba tare da hakan ba babu ci gaba ko zuba jari.”
Na biyu: “Gina tsarin musayar kuɗi da kasuwa ke jagoranta—haɗa kasuwannin musayar kuɗi, gano farashi a kasuwa, kawar da giɓin biyan kuɗin, da tabbatar da gaskiya a hukumance—wanda muhimmin ginshiƙi ne.”
Na uku: “Haɗin kai a manufofin kasafin kuɗi da kuɗi, da gina juriyar tsarin tattalin arziki, girmama iyakokin doka na rance ga gwamnati ta hanyar ‘Ways and Means’. An sami raguwar hakan sosai daga kashi 2.65% a 2023 zuwa kashi 0.69% a 2024.”
Sakamakon ya haɗa da “cigaban GDP mai ɗorewa zuwa kashi 3.98%; ma’aunin biyan kuɗaɗen waje, ya koma riba—dala biliyan 3.42 a watannin Juli, Agusta da Satumba 2020—tare da ingantuwar tsarin tattalin arziki; hauhawar farashi ya ragu zuwa kashi 15.15%; ƙarfafa ingancin bankuna; da ƙarin ajiyar kuɗin waje zuwa dala biliyan 49 a ƙididdigar ranar 5 ga Fabrairu, 2026.”
Cardoso ya ƙara da cewa: “Lokacin da muka karɓi mulki, adadin ajiyar kuɗaɗen waje ya kusan dala biliyan 3. A ƙarshen bara ya shiga cikin dala biliyan 30, sannan zuwa Fabrairu 2026 ya kai dala biliyan 49. Yanzu bambancin farashin musayar kuɗi tsakanin kasuwar hukuma da ta bayan fage ya ragu zuwa ƙasa da kashi 2%.
“Yanzu idan mutum ya yi tafiya, ba sai ya nemi kuɗin waje ba—yana amfani da katin Naira ya biya. Naira ta fi yin gasa, mutane ba su jin tsoron riƙe ta. A da, a yankin Yammacin Afirka, idan ka ba da naira 1000 ba wanda ke so ya karɓa; to wannan ya ƙare. Yanzu akwai tabbas da tsari.”
Ya ce taswirar hanyar zangon hasashen shekarun 2026–2030 ta fi mai da hankali kan “ɗorewar saukar hauhawar farashi, daidaita kasuwar canjin kuɗin waje, da ƙarfafa tsarin kuɗi. A taƙaice, za mu ci gaba da bin hanyar da muka ɗauka—tsaron farashi ta hanyar komawa tsarin daƙile hauhawar farashi, ƙarfafa ajiyar kuɗin waje da kare darajar naira, da sake ƙarfafa bankuna. Wannan sake ƙarfafawa zai tallafa wa burin mu na kai ƙarfin tattalin arzikin Nijeriya zuwa dala tiriliyan 1 kafin nan zuwa shekarar 2030.”
Cardoso ya ce: “Yawan kuɗi da zaɓen 2027 na barazana ga nasarorin tattalin arzikin Nijeriya.”
Ya jaddada manyan haɗarin da ke buƙatar kulawa, musamman batun zaɓe.
Ya ce: “Akwai hatsari a gaba. Babban abin da ya kamata mu kula da shi, shi ne yawan kuɗi da har yanzu ke cikin tsarin. Dole ne a sarrafa shi da matuƙar hankali; ba mu fita daga daji ba tukuna.
“Zagayen zaɓe yawanci yana kawo yawan kuɗi a kasuwa, wanda dole ne a sanya ido sosai kada ya tayar da hankalin tattalin arziki ko ya lalata manyan gyare-gyaren da suka kawo kwanciyar hankali. Haka kuma akwai barazanar rikice-rikicen ciniki na duniya.”
Ya bayyana iyakokin manufofin kuɗi kamar haka: “Manufofin kuɗi suna da muhimmanci, amma ba su isa su kaɗai ba. Ba za su maye gurbin ginshiƙan asali na tattalin arziki ba. Babu wani babban banki da zai iya daƙile hauhawar farashi mai ɗorewa shi kaɗai, idan matsalolin tsari kamar ƙarancin abinci, tsadar makamashi da sufuri, da rashin ingantattun kayayyakin more rayuwa suna tura farashi sama.”
Ya ce sarrafa yawan kuɗi yana da iyaka. Don haka ci gaba mai ɗorewa yana buƙatar tsauraran manufofin kasafin kuɗi, gyare-gyaren ɓangaren samarwa, da haɗin kai tsakanin hukumomi.
“Kwanciyar hankali a fannin hadahadar kuɗi yana buƙatar ladabtarwar kasafin kuɗi da daidaiton manufofi,” inji Cordoso.
Ya ƙara da cewa jihohi da ƙananan hukumomi suna da muhimmiyar rawa, domin suna sarrafa “fiye da kashi 50% na kuɗaɗen shiga, kuma hakan na iya shafar sakamakon tattalin arziki gaba ɗaya.”
Ya ce zuwa nan da shekarar 2030, manufofi sun haɗa raguwar hauhawar farashin da malejin sa ba zai kai kashi 10 bisa 100 ba, da ƙarin ajiyar kuɗin waje ta hanyar fitar da kayayyaki ba na mai ba, zuba jari daga waje da kuɗaɗen da mazauna ƙasashen waje ke turowa daga ƙasashen waje; tsarin kuɗi mai gasa a duniya; kasuwanni masu daidaito da ingantaccen farashin musayar kuɗi; zurfafa hanyoyin samun kuɗi da naira; da tattalin arziki mai haɗa kowa.”
A ƙarshe, Cardoso ya ce: “Gaba na da haske duk da ƙalubale. Mun jajirce wajen aiwatar da ajandar gyare-gyare, amma ina jaddada cewa ba mu kai ƙarshen hanya ba. Dole ne mu ci gaba da mai da hankali, mu ci gaba da abin da muke yi, domin hango duk wani ƙalubale tun da wuri da sarrafa shi yadda ya kamata.
“Daga Babban Banki, muna tabbatar muku da cewa za mu ci gaba da bin tsari mai kyau, ƙarfafa haɗin kai tsakanin manufofin kasafin kuɗi da kuɗi, da inganta yanayin tattalin arziki domin buɗe cikakkiyar dama ga Nijeriya.”
