HOG ya zama dandalin sayar da kayayyaki ta kan layi wanda mutane suka fi so, ya mallaki wa kanshi ƙwaƙƙwaran ƙwarewa saboda shekaru masu yawa na ƙaƙƙarfan dangantaka da yawancin masu amfani da kayan daki, kayan kwalliya da kayan adon ciki.
Don haka yana da kyau mu ilmantar da abokan cinikinmu da kuma ta hanyar masu siyar da tallace-tallace a kan dandalinmu yayin da suke ci gaba da fahimtar manufofin tattalin arziki na yau da kullum wanda hanya ɗaya ko wata hanya ce ta raɗaɗi ko kuma ba da son rai ba ta tasiri ga yanke shawara na tattalin arziki, kuma yayin da dukanmu ke ci gaba da tsayawa daga matsin hauhawar farashin kayayyaki.
A ranar 27 ga watan Satumba, kwanaki kadan a bikin samun ‘yancin kai na Najeriya karo na 62, babban bankin kasar ta hannun kwamitin tsara manufofinsa ya daga darajar kudi daga karin kashi 14% na watan Yuli zuwa kashi 15.5%. A cewar bankin Apex, shawarar da ya yanke ya zama dole domin rage hauhawar hauhawar farashin kayayyaki wanda a cewar hukumar kididdiga ta kasa{NBS}, hauhawar farashin kayayyaki ya karu da kashi 19.64 cikin 100 a watan Yuli zuwa a ranar Satumba 2019 sun canza zuwa +20.52%. Daga dukkan alamu kamar yadda bankin Apex ya nuna, karuwar farashin kayayyaki da ayyuka na iya ci gaba a cikin watanni masu zuwa.
Ba abin mamaki bane cewa hauhawar farashin kayan abinci ya haura zuwa kashi 23.12 daga kashi 22.02 cikin 100 a watan Yuli musamman akan abinci . Najeriya a matsayin kasa mai tasowa, kwandon farashin kayan masarufi yana kan abinci, kudin makaranta da dai sauransu wadanda ake amfani da su wajen auna hauhawar farashin kayayyaki. Kwandon CPI na iya kasancewa akai-akai, amma duk da haka ana iya tweaked don nuna canji a tsarin amfani.
A halin da ake ciki, babban bankin bai kamata ya huta a kan sa ba, amma ya ci gaba da tabbatar da tsauraran manufofin kudi don yin tasiri a kan hauhawar farashin kayayyaki ta hanyar dakile duk wani gibi da zai iya kawo cikas ga kokarin cibiyar tattalin arzikin Apex musamman lokacin da lokacin zabe ya fara lokacin da yawa. na 'yan wasan siyasa za su yi taka tsantsan cikin iska ta hanyar shigar da kudade masu yawa a cikin tattalin arzikin.
Babu shakka, karuwar samar da kudade yana haifar da ci gaban tattalin arziki yayin da yake samar da jari mai yawa da kuma sanya kudade masu yawa a cikin aljihu na masu amfani da yawa, ta yadda za a karfafa kashe kudi kamar yadda yawancin masana'antun ke yin odar karin kayan albarkatun kasa, don haka karuwa da samar da ayyukan yi.
Sai dai kasa kamar Zimbabwe ba za ta iya mantawa cikin gaggawa da abin da ta fuskanta a lokacin da ta fara kwararar kudaden da ta wuce kima a cikin tattalin arzikinta sakamakon hauhawar farashin kayayyaki kamar yadda gwamnati ba za ta taba tunanin irin mummunan tasirin da kudadensu ke yi ba.
Amma ga wanda ke kan titi wanda ilimin tattalin arzikinsa bai inganta ba, irin wannan mutum zai yi asara ne kawai a cikin wannan ci gaban tattalin arziki.
Manufofin kuɗi na kwangila shine wanda aka ɗauka don iyakance samar da kuɗi a cikin aikin tukin tattalin arziki. Ba abin mamaki ba ne ganin yadda babban bankin ya karu da kudin ruwa a duk wuraren da yake shiga tsakani daga kashi 5% zuwa 9% a duk shekara wanda ya fara aiki a ranar 20 ga watan Yulin 2022. Don haka yayin da kudin ruwa ya hauhawa, kudin rance ma yana karuwa, ga kuma hauhawar farashin kayayyaki. zai rage sosai.
A cikin hauhawar farashin kayayyaki, kudaden shiga na masu amfani ba sa karuwa kamar farashin, don haka suna samun wahala yayin da karfin sayayya ya ragu. Kuma kada a yi tunanin waɗanda suke masu biyan kuɗin ribar kayyade. Mai karbar fansho wanda ya sami karuwar kashi 5% na shekara-shekara, idan hauhawar farashin kaya ya haura 5%, tabbas ikon siyan ya fadi.
Bisa umarnin da babban bankin kasar ya bayar na mika musu kashi 32.5% na kudaden da kwastomomin su ke da shi, wata hanya ce ta daidaita kudaden da ake samu a kasar nan yayin da kudin ruwa ya karu, ko shakka babu hakan zai yi tasiri sosai kan takardar kudin Naira ta yadda za a yi amfani da shigo da kaya daga kasashen waje saboda kudin musanya zai yaba.
duk da haka yana da mahimmanci a lura a nan cewa kowace shawarar tattalin arziki tana da fa'ida da rashin amfani
Tun da yawan kuɗin ruwa da hauhawar farashin kaya suna da alaƙa da alaƙa kamar yadda na farko ya shafi kuɗin rance, kuma na ƙarshe yana rinjayar farashin ajiyar kuɗi. Bayan da aka gano cewa karuwar daya kan haifar da raguwa a daya, to yana da kyau babban bankin kasa, duk da cewa aiki ne mai wuyar gaske wajen daidaita daidaito a tsakaninsu domin tabbatar da samun raguwar riba ta hanyar karfafa kashe kudade masu amfani yayin da ake duba hauhawar farashin kayayyaki da farashin kayayyaki. kuma ayyuka sun kasance masu araha.
Haka kuma, tasirinsa ga harkokin kasuwanci ba zai taɓa yiwuwa ba tunda yawan kuɗin ruwa ya yi yawa, buƙatunsa ba shakka zai ragu, yayin da mabukaci ya fi son adana kuɗi fiye da kashe su. Lokacin da aka sayi 'yan kayayyaki da ayyuka, 'yan kasuwa za su fara fafutuka don samar da ƙarin kudaden shiga.
Yawan riba mai yawa na iya hana wasu mutane fara sabbin sana'o'i a matsayin lamuni don farawa yana iya yin tsada sosai don hidima saboda cibiyoyin kuɗi ne kaɗai ke bunƙasa yayin da suke iya cajin samun ƙarin kuɗi don kansu.
Marubuci: Olatunji Olasehan
Olatunji Olasehan, masanin ilimi ne ta hanyar sana'a, amma a halin yanzu mai daukar ma'aikata na Merchant & Affiliate Manager a HOG- Home. Ofishin. Lambun kan layi kasuwa. Sai kawai ya dawo da doguwar soyayyarsa ga rubuce-rubuce yayin da yake bayyana kansa a cikin yanayin Art wanda ke nuna yanayinsa a cikin salo mai salo don yaba yanayin haɓakarsa.
Magana:
https://www.ig.com/uk/news-and-trade-ideas/other-news/what-are-the-effects-of-rising-interest-rates-181101
https://www.imf.org/external/pubs/ft/fandd/basics/monpol.htm
