Kana amfani da shafin BBC mai bayyana rubutu kawai (babu hoto) domin rage cin data. Idan ana so a ga hotuna da bidiyo sai a koma babban shafinmu.
Mece ce makomar kuɗaɗen mutanen da CBN ya rufe bankunansu?
- Marubuci, Abdullahi Bello Diginza
- Sanya sunan wanda ya rubuta labari, BBC News, Abuja
- An wallafa
- Lokacin karatu: Minti 5
Ƴan Najeriya na ci gaba da bayyana fargabarsu kan makomar kuɗaɗen mutanen da ke ajiya a ƙananan bankunan da Babban Bankin Najeriya, CBN ya ƙwace lasisinsu.
A ranar Laraba ne CBN ya sanar da ƙwace lasisin wasu ƙananan bankunan kasuwanci 46 a faɗin ƙasar sakamakon abin da babban bankin ya kira rashin cika ƙai'dojin da aka shimfiɗa.
Daga cikin adadin bankunan 46 da aka soke wa lasisi, 12 a jihar Kano da ke arewacin Najeriya suke.
Matakin ya haifar da ruɗani da fargaba a zukatan ƴanƙasar musamman waɗanda ke ajiye kuɗinsu a bankunan.
Cikin wata sanarwa da Babban Bankin Najeriyar ya fitar ya ce ya ɗauki matakin ne la'akari da sashe na12 da na 13 na dokar cibiyoyin hada-hadar kuɗi ta 2020.
Galibi bankunan da aka ƙwace wa lasisin, ƙananan bankuna ne waɗanda ƙananan ƴankasuwa da masu ƙananan sana'o'i ke amfani da su wajen aika ƙuɗaɗen ciniki.
Waɗanne ƙa'idoji bankunan suka karya?
Babban Bankin ya ce an ƙwace lasisin bankunan ne sakamakon rashin cika wasu ƙa'idon da hada-hadar kuɗi da doka ta shimfiɗa.
CBN ya ce bisa tsarin doka duk bankin da ya gaza cikin waɗannan ƙa'idoji dole ne a ƙwace lasisinsa.
Ƙa'idojin da bankunan suka karya a cewar CBN sun haɗa da:
- Rashin kadarorin da za su magance asara - CBN ya ce bankunan ba su da isassun kuɗin da za su cike giɓi, idan wata asara ta afka musu ko wani abu na gaggawa.
- Daina aiki ba tare da sanin CBN ba - CBN ya ce wasu daga cikin waɗannan bankuna sun jima da daina aiki ba tare da sanin ta ba.
- Ayyukan da ba su shafi kuɗi ba: A cewar CBN ta samu wasu daga cikin waɗanna cibiyoyin kuɗi da laifukan yin wasu ayyukan da ba su shafi hada-hadar kuɗi ba.
- Gaza fara aiki tsawon wata 12 da samun lasisi: Babban Bankin Najeriya ya ce wasu daga cikin waɗannan bankuna sun gaza fara aiki kusan fiye da shekara ɗaya bayan samun lasisi.
- Gazawa wajen kula da mafi ƙarancin kuɗin jari wanda asara ba za ta shafe shi ba.
Me ake nufi da ƙwace lasisin banki?
Abin da ake nufi da ƙwace lasisin banki shi ne ƙwace damar da banki ke da ita ta halascin gudanar da hada-hadar kuɗi.
Babban Bankin Najeriya ne ke bayar da damar, inda banki ya cika ƙa'idar da hukumomi suka shimfiɗa.
Idan aka ƙwace lasisin banki, hakan na nufin kawo ƙarshen damar da banki ke da shi da ajiye kuɗaɗe mutane da bayar da bashi.
Ina makomar kuɗaɗen masu ajiya a bankunan?
A duk lokacin da irin haka ta faru mutanen da ke ajiyar kuɗi a bankunan na shiga fargaba game da makomar kuɗaɗen nasu.
Dangane da haka ne BBC ta tuntuɓi wani tsohon manajan banki a Najeriya Muhammad Abubakar, wanda ya ce akwai matakan da dokar ƙasa ta tanada don ganin kuɗin mutane ba su salwanta ba.
Ya ce da farko bisa doka akwai adadin kuɗin da in mutum ya ajiye su a banki suna kai wa a yi musu inshora, wato waɗanda ba za a iya ba ka su duka ba idan irin haka ta faru.
''A manyan bankunan kasuwanci an ƙayyade naira miliyan biyar a matsayin waɗanda za a iya ba ka su kai-tsaye idan irin haka ta faru, sama da haka kuwa sai an bi matakai daban-daban'', in ji shi.
''Amma game da waɗannan ƙananan bankuna doka ta ƙayyade naira miliyan biyu a matsayin waɗanda za a iya mayar wa mutum kai tsaye idan aka rufe bankinsa'', in ji shi.
Ya ci gaba da cewa a irin wannan yanayi, duk mutumin da kuɗinsa ba su wuce naira miliyan biyu ba, wato miliyan biyu zuwa ƙasa, za a mayar wa mutum kai-tsaye a lokaci guda.
''Amma idan sun haura naira miliyan biyu, to za a mayar masa miliyan biyu kai-tsaye, sauran kuma sai ya jira sai an sayar da kadarorin bankin a riƙa biyan shi a hankali,'' kamar yadda ya yi ƙarin haske.
Ta yaya za ku samu kuɗaɗenku?
Tsohon manajan bankin ya ce idan irin haka ta faru da mutane, kai-tsaye hukumar inshorar kuɗaɗen ajiya a banki (NDIC) ce ke karbar ragamar kuɗaɗen bankunan da aka ƙwace wa lasisin.
''Don haka wannan hukuma ce za ta tantance bayanan mutanen da ke ajiya a bankin, kuma ta hanyar bayanai na lambobin BVN ɗinsu, hukumar za ta tura musu kudaɗensu zuwa wasu asusun da suke da su a wasu bankunan kai-tsaye'', in ji shi.
Ya ce hukumar NDIC za ta bibiyi lambar BVN ɗin su domin su gano inda yake da asusun ajiya a wani bankin, domin tura masa kuɗinsa.
''Wanda kuɗinsa ba su haura naira miliyan biyu ba, za a tura masa su duka zuwa wani asusun bankinsa bayan tantance lambar BVN ɗinsa, wanda kuma kuɗinsa suka haura naira miliyan biyu, NDIC za ta tura masa miliyan biyu kai-tsaye, sauran kuma sai a hankali bayan sayar da kadarorin bankin,'' kamar yadda ya bayyana.
Ya ƙara da cewa ga wanda kuɗin nasa ya haura naira miliyan biyu za su je hukumar domin a tantance muhimman bayanansu.
Haka ma tsohon manajan bankin ya ce ga wanda ba shi da wani asusun ajiyar kuma, akwai buƙatar ya je hukumar NDIC domin tantance bayanan nasa.
Jerin bankunan da CBN ta ƙwace wa lasisi
1 Minji-Se Churchill MFB - Rivers
2 Merchant MFB - Abia
3 Janmaa MFB - Kwara
4 Busu MFB - Niger
5 Gold MFB - Lagos
6 Zain MFB (Dawakin Tofa MFB) - Kano
7 Bompai MFB - Kano
8 Ajwa MFB (Gezawa) - Kano
9 Now Now Digital - Kano
10 Crystabel Microfinance Bank - Bayelsa
11 Chanelle MFB - Lagos
12 Abia SME MFB - Abia
13 Kamba MFB - Kebbi
14 Iwade MFB - Ogun
15 Winview MFB - Abuja
16 Zuru MFB - Kebbi
17 Minjibir MFB - Kano
18 Shanono MFB - Kano
19 Sumaila MFB - Kano
20 Rimin Gado MFB - Kano
21 Mwaghavul MFB - Plateau
22 Sycamore MFB - Kano
23 Tofa MFB - Kano
24 Safegate MFB - Lagos
25 Creekline MFB - Delta
26 Bestar MFB - Oyo
27 Livingspring MFB - CrossRiver
28 Apple MFB Tier - Ogun
29 Stanford MFB - AkwaIbom
30 Frontline MFB - Anambra
31 Zafec MFB - Kaduna
32 Supreme MFB - Lagos
33 Bejin-Doko MFB - Niger
34 Kanopoly MFB - Kano
35 Bellbank MFB (Tsanyawa) - Kano
36 Yeneng MFB - Plateau
37 Creditville MFB - Lagos
38 Mbag MFB - Lagos
39 Straight Sahara MFB - Benue
40 Ourpass MFB - Ondo
41 Verdant MFB - Lagos
42 Basawa MFB - Kaduna
43 Casha MFB - Abuja
44 Esteem MFB - Kano
45 Entrepreneur MFB - Lagos
46 Avantus MFB - Osun
