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A ranar 29 ga Maris 2025, Kulturhaus Dornbirn ta shirya
taron "Yanci & Kadaici – Ɗan ƙasa Mai Alhaki" tare da

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gudummawa masu ban sha'awa kan mulkin doka, ikon ƙasa da kuɗi.

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An shirya taron ne ta Academy for
Personal Development a Dornbirn.

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HOCH2.TV ta rikoda kuma ta gyara
dukkan rahotannin a gare ku, masu kallo.

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A yau, Kla.TV na gabatar da hira
da Hansjörg Stützle kan korar kuɗi.

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Yanzu mun zo ga Mista Hansjörg Stützle
da batun kiyaye kuɗi da kawar da kuɗi.

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Haka kuma yana da alaƙa ta jigo, kodayake da ɗan canji kaɗan.

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Mai Girma Mista Stützle, watakila da
farko tambaya ce ta gaggawa a gare ku.

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Ta yaya ka shiga sosai cikin batun soke
ko ci gaba da amfani da kuɗi na hannu?

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Eh, to, a gare ni wannan ya faru ne tun
daɗe, tabbas kusan shekaru 25 da suka wuce.

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Kuma da farko, daga mahangar tunani, saboda
akwai masu adawa da tsarin biyan kuɗi kyauta.

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Kuma wannan galibi masana'antar kuɗi ce.

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Kusan shekaru 25 da suka wuce, ya kasance a
bayyane mini cewa wannan batu zai taso a wani lokaci.

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Saboda kuɗi na iya jefa tsarin kasuwancinsu
cikin haɗari ta hanyar yiwuwar gudu kan banki.

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Wannan yana nufin cewa masana'antar kuɗi a
zahiri koyaushe tana ƙarƙashin matsin lamba don

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kiyaye amincewar jama'a ga tsarin kuɗi a wani mataki.

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Idan wannan ya faɗi ƙasa da wani mataki,
'yan ƙasa sukan ji damuwa sukan je banki.

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Yana so kudin, yana so ya kawo su cikin filin tasirinsa.

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Sa'an nan layuka suke samuwa, sai a
fara gudu zuwa bankuna, da sauransu.

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Sai kuma, tabbas, wata babbar matsala ta faru.

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A lokacin, ya kasance a fili a gare ni
cewa babu wata alamar kawar da kuɗi.

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Amma a lokacin rikicin kuɗi na
2007–2009, an samu wata ƙarfi sosai na wannan.

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Kusan babu wanda ya lura, wato da haramcin kuɗi na ainihi.

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Kuma bai jawo hankalin mutane da yawa ba saboda an
bayyana shi da kyakkyawan furuci, wato iyakokin kuɗi.

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Iyakar kuɗi a hannu tuni ta zama
haramcin kuɗi idan ya wuce wani mataki.

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A Turai – a nan ne ya fara – muna da ƙasashe 18 da
suka haramta amfani da kuɗi idan ya wuce wani iyaka.

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Girka, misali, ita ce ƙasar da ke da iyakar
kuɗi mafi ƙanƙanci wadda ta kai €500 kawai.

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Wannan yana nufin cewa idan ka je Girka yanzu kuma
kana son biyan kudin otal na euro 501, ba bisa doka ba ne

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kuma ana iya hukunta ka idan ka biya da kuɗi a hannu.

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Girka ta riga ta yi ƙoƙari biyu don rage iyakar kuɗi zuwa €200.

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Amma hakan ba zai yiwu ba saboda takardar kuɗi ta euro
500 har yanzu ita ce doka ta amince da ita a matsayin kuɗi.

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Kuma wannan shi ne kadai dalilin da
yasa ba mu da ƙananan iyakar kuɗi.

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Eh, kuma a bayyane yake cewa yawancin 'yan ƙasa ba su
san waɗannan ci gaban ba a rayuwarsu ta yau da kullum.

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Don haka wasu mutane kawai sukan yarda da shi.

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Ina tsammanin a Jamus yana kusan euro 10,000.

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Ko wannan bayanan nawa ne?

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A'a, a halin yanzu babu wani iyaka na kudi na
gargajiya a POS (matsayin sayarwa) a Jamus.

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Ko ma don ajiya ba, to wannan ne wajibcin gabatar
da hujjoji kan wanke kuɗin haraji da makamantansu?

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Daidai ne, don haka 'yan kasuwa suna da wajibcin
adana rikodi, amma daga shekarar 2027 zuwa gaba,

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za a kafa iyakar kuɗi na €10,000 a duk faɗin Turai.

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Wannan shine taken.

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Kasashen da suka riga sun kasance ƙasa da
wannan matakin na iya ci gaba da riƙe shi.

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Kuna iya saita iyakar kuɗi ƙasa da £10,000 a kowane lokaci.

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Kuma ta yaya za ka bayyana cewa har yanzu akwai
ƙarancin sani game da matsalar a wannan yanki?

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Shin 'yan ƙasa ba su san girman
barazanar da ke tattare da kuɗinsu ba tukuna?

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Tabbas ba haka ba.

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Na dawo yanzu daga doguwar, doguwar zagayen gabatar da lacca.

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Tun watan Janairu, na kasance ina yin
tafiya ne kawai don gabatar da lacca.

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Idan na yi magana na tsawon sa'o'i biyu game da yadda
ake kawar da amfani da kuɗi, mutane da yawa suna cewa:

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Na san cewa matsala ce, amma ban
san cewa tana da matuƙar jayayya ba.

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Amma idan ka saurari Deutsche
Bundesbank, komai yana alama lafiya.

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Sun tabbatar mana cewa akwai isasshen kuɗi
kuma ci gaba da kasancewarsa yana da tabbaci.

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Gabaɗaya, ana la'akari ne kawai da
abin da ake tsammanin al'umma ke so.

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Mun tanadar maka ƙaramin rikodi.

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A bazarar da ta gabata, ina tsammanin ka
kasance bako a Südwestrundfunk, wata gidan yada

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labarai ta jama'a a Jamus wadda take ƙarƙashin ARD.

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Wannan shi ne ainihin batun.

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Wataƙila za mu sake duba shi da sauri.

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To, ina da baƙo da ya dace a cikin
studio don amsa wannan tambayar.

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Stefan Hardt yana tare da mu.

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Shi ne ke jagorantar Sashen Tsakiyar Kudi a Bundesbank.

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Sannu da yamma.

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Sannu da yamma.

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Har tsawon wane lokaci za ku, har tsawon wane
lokaci Bundesbank za ta ci gaba da ba mu sabbin kuɗi?

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Muddin 'yan ƙasa suna son amfani da kuɗi na hannu.

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Shin wannan ya shafi dukkan takardun
kudi na kuɗi, ga duk kananan kuɗi?

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Eh, tabbas.

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A takaice, mafi yawan 'yan ƙasa suna cewa
suna son samun zaɓin biyan kuɗi da hannu.

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Wannan kusan kashi 93 cikin ɗari
na al'umma ne waɗanda ke so hakan.

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Kuma ba dukansu ke yin hakan ba.

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Amma aƙalla suna so su sami zaɓin biyan kuɗi da hannu.

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Kuma muddin mutane suna son biyan
da kuɗi, za mu ci gaba da ba da shi.

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Masu sha'awar kuɗi yanzu za su iya yin numfashi cikin sauƙi.

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Shin ina jin nauyi yana sauka daga kafadunka, Mista Stützle?

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Ba kwata-kwata ba, domin an bayyana shi a sarari:
muddin akwai buƙata, Deutsche Bundesbank za ta tsaya a kai.

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Kuma shi ne dukkan matsalar.

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Kuna kuma iya son fayyace menene buƙata.

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Ya kamata kaso na biyan kuɗi ya kai nawa?

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Don haka, a ƙarshe, ya rage a gare mu a matsayin 'yan ƙasa mu
yanke shawara – shin za mu biya da kati ko da kuɗi a hannu?

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Wannan a takaice shi ne abin da muke
faɗa anan game da biyan kuɗi ta katin.

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Ina goyon bayan kawar da kuɗi na hannu, ko ina
goyon bayan ci gaba da amfani da kuɗi na hannu.

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Don haka, wannan muhimmin batu ne da
dole ne mu yi la'akari da shi a nan.

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Abin takaici, 'yan ƙasa ba su da kuɗi a hannunsu
saboda tattalin arziki ya karkata wajen ƙin karɓar kuɗi.

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Wannan yana nufin cewa yanzu akwai 'yan
kasuwa a nan Jamus da ke ƙin karɓar kuɗi.

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Kuma mun sani cewa, bisa wannan hujja,
kuɗi ba zai iya tsira na dogon lokaci ba.

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Saboda tattalin arziki ne ke tantance ko mu, a
matsayin 'yan ƙasa, muna da zaɓi na biyan da kuɗi a hannu.

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To, ina ganin bankin bai yi farin ciki
ba lokacin da ka ce wannan karshe, ko?

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Eh, ba shi ne abin da yake nufi ba.

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Wani lokaci ina jin cewa Deutsche Bundesbank
ce ke da alhakin kullum ta rika kwantar da

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mutane da hankali, tana rika tabbatar musu da:

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Kudin na lafiya.

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Amma a ƙarshe, suna danganta shi da buƙata.

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Na tambayi tambayar: Me Deutsche
Bundesbank ke nufi da buƙata – kuma bai amsa ba.

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Akwai wata hanya da ake bi wajen kawar da
kuɗi na hannu, wadda nake son bayyana kaɗan.

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Mun kuma shirya zane don wannan.

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Wannan batu ne mai matuƙar muhimmanci.

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Tabbas, tsarin suna kawar da kuɗin hannu.

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Kuma ina ƙoƙarin bayyana wani abu
wanda a al'ada yake ɗaukar ni awanni biyu.

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Zan gwada hakan cikin mintuna biyar.

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Lokaci yana ƙarewa, to.

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Don haka, a gefen hagu, za mu iya ganin cewa akwai
buƙatar a kafa tsarin biyan kuɗi ba tare da kuɗi ba.

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Aikin ya kasance babba ƙwarai wanda ya
ɗauki shekaru da dama kafin a kammala shi.

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A ƙasar Jamus, aƙalla, za a iya cewa ya cika.

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Kuma a nan Ostiriya, watakila har yanzu ba a gidajen dutsen ba.

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Amma banda haka, an riga an tanadi ababen more rayuwa.

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An kusan yanke hukunci a kai.

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A gefen dama, za mu ga cewa tallace-tallace da
ƙarfafa sauti suna faruwa ta tallace-tallace cikin dabi'a.

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An zuba biliyoyi wajen inganta biyan kuɗi na dijital.

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Kuma mutane da yawa a ƙarshe suna shiga wannan
tsarin ba tare da sun yi masa tunani sosai ba.

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Abin da kuma ɗan baƙin ciki shi ne an
aiwatar da kamfen na talla da ke adawa da kuɗi.

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Abin takaici, mun lura da wannan a lokacin annobar
coronavirus, lokacin da aka sanya alamomi a shaguna:

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Saboda dalilai na tsafta, don Allah kada
ku biya da kudi na hannu, da sauransu.

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Kuma mutane da yawa sun yi imani da
hakan, sannan suka shiga tsarin dijital.

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Sai mu sami batun: ƙin karɓar kuɗi ta tattalin arziki.

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Wannan batu ne mai matuƙar jayayya.

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A zahiri, an tanadar da kuɗi a cikin doka a
cikin manyan dokoki guda uku masu matuƙar ƙarfi:

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A gaskiya, an tanada hakan a cikin Dokar Bundesbank; an kuma
tabbatar da shi a cikin Kundin Tsarin ECB da

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Yarjejeniyar EU ta yadda yake da hurumin zama
kudin doka kuma dole ne a karɓe shi a kasuwanci.

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An kaddamar da wannan a shekarar 2010 bisa
shawarar Kwamitin – da hujjar 'yancin

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kwangila cewa 'yan kasuwa na iya ƙin karɓar kuɗi.

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Don haka suke ganin 'yancin yarjejeniya a
harkokin kasuwanci da ciniki ya fi muhimmanci.

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Wannan ma an tabbatar da shi ta Deutsche Bundesbank.

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Mun kuma tattauna wannan a cikin hirar.

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Wannan abu ne mai fashewa, mai matuƙar haɗari,
domin wannan fassara na nufin cewa yanzu gaskiya

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ce cewa ana ba 'yan kasuwa damar ƙin karɓar kuɗi.

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Wannan yana nufin cewa mu, a matsayin 'yan ƙasa, ba mu da kuɗi
a hannunmu – wato 'yancin zaɓi – sai tattalin arziki yanzu ne

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ke yanke shawara ko za a ba mu damar biyan kuɗi da hannu ko a'a.

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Wannan gaskiya ce.

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Sannan muna da wani bangare, wato gabatar da e-euro.

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Ana sa ran e-euro zai shiga mataki na
uku a watan Oktoba na wannan shekara.

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Akwai ƙa'ida da ake shirin kafa
don e-euro, wato wani kudurin doka.

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Ana sa ran Majalisar Dokokin Tarayyar Turai
za ta yanke shawara kan wannan a watan Oktoba.

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Kuma daga nan, watakila a cikin shekara guda,
biyu ko uku masu zuwa, za mu sami gasar kai tsaye da

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kuɗi a wurin sayarwa, wato a kasuwanci na ƙarshe.

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Kuma hakan ne ke haifar da komai, tabbas.

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00:10:48,279 --> 00:10:57,799
Waɗannan gundumomi uku suna sa 'yan ƙasa su ƙara shiga
cikin wannan tsarin kuma a saba su da biyan kuɗi ta dijital.

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00:10:57,799 --> 00:11:01,720
Kuma yanzu ga shi nan – kuma wannan shi ne abu mafi muhimmanci.

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– wato, "rabo na biyan kuɗi" kalma ce mai matuƙar muhimmanci.

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00:11:06,559 --> 00:11:15,679
Deutsche Bundesbank ta kuma ce a wata
hira anan cewa suna danganta shi da buƙata.

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Kamar yadda na ce, na tambayi Deutsche
Bundesbank abin da suke nufi da buƙata.

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A cewar ƙididdigata, kashi goma sha biyar cikin ɗari ne.

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Ana iya muhawara tsakanin kashi goma zuwa goma sha biyar.

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Sa'an nan tsarin kuɗi na
riga-da-riga ya fara zama mai tsada sosai.

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00:11:29,600 --> 00:11:34,000
Sa'an nan ana amfani da abin da ake kira "ka'idar daidaito":

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Shin ababen more rayuwa sun yi tsada sosai idan aka kwatanta da
yadda mutane ke ci gaba da biyan kuɗi da hannu – sannan su rushe?

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00:11:42,919 --> 00:11:51,030
A halin yanzu muna da wani yanayi inda ƙimar biyan kuɗi da hannu
a Jamus ke raguwa da kashi 4 cikin ɗari a kowace

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shekara, ko kashi 3.8 cikin ɗari gaba ɗaya – amma na
ɗaga shi zuwa kashi 4 cikin ɗari – a kowace shekara.

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00:11:58,919 --> 00:12:05,302
Lokacin da aka gabatar da e-euro, hakan zai ƙaru sosai cikin
sauri, kuma ba da jimawa ba za mu tsinci kanmu cikin irin wannan

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00:12:05,302 --> 00:12:09,744
hali kamar sauran ƙasashe, kamar Sweden da
sauransu, inda biyan kuɗi da takarda zai iya

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kasancewa kashi 10 ko 15 cikin ɗari na mu'amaloli.

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00:12:12,399 --> 00:12:17,160
Sai kuma, abin takaici, kuɗi na hannu ya zama ba
shi da amfani saboda dalilan da na taƙaita a

154
00:12:17,160 --> 00:12:20,519
nan, waɗanda a al'ada suke ɗaukar ni sa'o'i biyu.

155
00:12:20,519 --> 00:12:25,703
Abin da nake sha'awar sani shi ne: Ta yaya
yanayin gabaɗaya na kwarara zuwa kuɗaɗen

156
00:12:25,703 --> 00:12:28,639
dijital ke shafar halayen biyan kuɗi da hannu?

157
00:12:28,639 --> 00:12:33,786
Masu ba da sabis suna ƙaruwa da yawa waɗanda tuni suke
amfani da kuɗin crypto – don haka watakila har yanzu

158
00:12:33,786 --> 00:12:36,480
yana cikin matakin farko, aƙalla a kasuwancin kan layi.

159
00:12:36,480 --> 00:12:42,120
Amma a mu'amaloli na kudi kai tsaye, a sayarwa, shin a wasu lokuta
a Jamus yanzu haka ana iya biyan wani abu da Bitcoin, misali?

160
00:12:42,120 --> 00:12:44,879
Idan ka fita don siyan pizza, ka biya da crypto.

161
00:12:44,879 --> 00:12:51,080
Shin wannan na iya zama wani ƙarin barazana ga kuɗi na hannu,
tare da hanyoyin biyan dijital da bankunan ƙasa suka fitar?

162
00:12:51,080 --> 00:12:52,279
Gabaɗaya kaɗan.

163
00:12:52,279 --> 00:12:55,919
Don haka idan ana maganar hanyoyin
biyan kudi, dole ne ka bambanta kaɗan.

164
00:12:55,919 --> 00:12:57,799
Yana game da zuba jari na kudi:

165
00:12:57,799 --> 00:13:03,519
Don haka idan akwai girgizar farashi
mai yawa, ba ya dace da biyan kuɗi.

166
00:13:03,519 --> 00:13:10,679
Mutane ba sa son amfani da wani abu a matsayin
biyan kuɗi idan ana tsananin hasashe a kansa.

167
00:13:10,679 --> 00:13:15,720
Don haka ko dai yana game da zuba jari
ne ko kuma wata hanyar biyan kudi ce.

168
00:13:15,720 --> 00:13:21,320
Ingantaccen hanyar biyan kudi ba ta da canji-canji,
wato ba ta da hauhawar ko faduwar daraja, da sauransu.

169
00:13:21,320 --> 00:13:27,399
Don haka daga hangen nesa na yanzu – za mu ga yadda abubuwa za
su ci gaba da kuɗaɗen dijital – ban ga wata haɗari a ciki ba.

170
00:13:27,399 --> 00:13:31,480
e-euro a zahiri babban haɗari ne sosai.

171
00:13:31,480 --> 00:13:36,279
Za a ba e-euro izinin zama kudin doka, da sauransu.

172
00:13:36,279 --> 00:13:39,840
Ban so in bayyana komai yanzu ba, yana da matuƙar rikitarwa.

173
00:13:39,840 --> 00:13:44,840
Wani batu mai matuƙar ban sha'awa. Wani abu
da tabbas zai ja hankalin masu kallo da yawa:

174
00:13:44,840 --> 00:13:45,799
Me yasa mutane ke yin hakan?

175
00:13:45,799 --> 00:13:49,440
Me ya sa ake rage kuɗi a zahiri?

176
00:13:49,440 --> 00:13:51,600
Shin tambaya ce kawai ta dacewa?

177
00:13:51,600 --> 00:13:57,813
Ko kuna ganin wannan a fili a matsayin wani ɓangare na ajanda
wadda a ƙarshe ke nufin sanya 'yan ƙasa su zama masu dogaro da

178
00:13:57,813 --> 00:14:01,879
wasu da kuma hana su 'yancin su, misali ta hanyar sarrafa jama'a?

179
00:14:01,879 --> 00:14:06,759
Shin a wani lokaci zai zama da sauƙi sosai a sarrafa damar
amfani da hanyoyin biyan kuɗi na lantarki fiye da na kuɗi?

180
00:14:06,759 --> 00:14:11,325
Shi ya sa mutane ke cewa, "Kudi na takarda
'yanci ne da aka buga," kuma, tabbas, kudi na

181
00:14:11,325 --> 00:14:14,120
lantarki ba za a iya samun sa daga waje ba, a ce.

182
00:14:14,120 --> 00:14:16,519
Shin wannan ne dalilin da ke bayan sa?

183
00:14:16,519 --> 00:14:18,399
To, akwai dalilai da dama, tabbas.

184
00:14:18,399 --> 00:14:23,519
Dole ne ka bi bangaren "Cui Bono",
wato, wanene ke amfana daga gare shi?

185
00:14:23,519 --> 00:14:26,320
Sannan, tabbas, za ka sami wasu amsoshi.

186
00:14:26,320 --> 00:14:32,559
Ni kaina ban shiga wannan batu cikin zurfi ba saboda a
wani ɓangare yana karkatar da hankali daga babban batu.

187
00:14:32,559 --> 00:14:36,840
Abin da nake magana a kai a zahiri shi ne
tsarin aiki da gine-ginen da ke bayan

188
00:14:36,840 --> 00:14:39,480
kawar da kuɗi na hannu, bayan wannan zagaye.

189
00:14:39,480 --> 00:14:48,200
Yafi sarkakiya fiye da haka: kana ƙirƙirar yanayi ga
kuɗi na hannu wanda kuɗin ba zai iya rayuwa a ciki ba.

190
00:14:48,200 --> 00:14:52,759
Wannan yana nufin cewa a halin yanzu ana kai hari kan kuɗi.

191
00:14:52,759 --> 00:14:56,240
A gefe guda, ana iya ƙin karɓa ta tattalin arziki.

192
00:14:56,240 --> 00:15:05,879
Amma abin da ya fi ban mamaki, a ganina, shi ne cewa
gwamnati na ƙara tsoma baki ta hanyar ƙin karɓar kuɗi.

193
00:15:05,879 --> 00:15:09,480
Ina nufin Jamus saboda na san ɗan ƙarin bayani game da ita.

194
00:15:09,480 --> 00:15:14,240
Alal misali, tafkunan iyo ba sa karɓar kuɗi a hannu, kuma
tafkunan iyo na waje na farko ba sa karɓar kuɗi a hannu.

195
00:15:14,240 --> 00:15:22,000
Masu ajiye motoci da wuraren ajiye mota ba sa karɓar kuɗi na
hannu, har ma ofisoshin gwamnati ba sa karɓar kuɗi na hannu.

196
00:15:22,000 --> 00:15:27,370
A Düsseldorf, misali, muna da yanayi inda
dukkan ofisoshin 'yan ƙasa ba sa karɓar kuɗi –

197
00:15:27,370 --> 00:15:30,759
sai ɗaya kawai, wanda yake a tashar jirgin ƙasa.

198
00:15:30,759 --> 00:15:34,039
Wannan ya fi haɗari sosai saboda ba
za ka iya gujewa shi kwata-kwata ba.

199
00:15:34,039 --> 00:15:44,240
Wannan yana nufin cewa ana tilasta wa 'yan ƙasa shiga
wannan tsarin ƙara yawa, wanda yake matuƙar haɗari.

200
00:15:44,240 --> 00:15:51,320
Wannan yana nufin cewa, a ƙarshe, muna kuma buƙatar
a tilasta wa gwamnati ta sake karɓar kuɗi na hannu.

201
00:15:51,320 --> 00:15:56,080
Ni ma ina tambayar wannan tambayar dangane
da taken taron 'Yan ƙasa masu ɗaukar alhaki'.

202
00:15:56,080 --> 00:16:00,463
Domin abu ɗaya ya bayyana: idan ba ka sake biyan kuɗi da
kuɗi a hannu ba, duk da yadda kake biyan ta hanyar lantarki, a

203
00:16:00,463 --> 00:16:02,639
ƙarshe ba biyan kuɗi ne ba tare da sanin wanda ya biya ba.

204
00:16:02,639 --> 00:16:03,600
Eh, tabbas.

205
00:16:03,600 --> 00:16:04,039
Shi ne ma'anar.

206
00:16:04,039 --> 00:16:05,480
Kudi koyaushe biyan kuɗi ne mara sanin mai biya.

207
00:16:05,480 --> 00:16:09,559
Zan iya zuwa ko ina, zan iya biyan komai. Babu wanda ya tambaye
ni wanene ni. Suna karɓar kuɗina kuma ba su damu da ni ba.

208
00:16:09,559 --> 00:16:15,720
Lokacin da na biya da kati, kusan duk fayil ɗina na kuɗi
da duk tarihin kuɗina ana isar da su tare da biyan, a ce.

209
00:16:15,720 --> 00:16:21,679
Daga inda nake a yanzu zuwa abin da
ke faruwa a asusuna, abin da nake yi.

210
00:16:21,679 --> 00:16:28,138
Shi ya sa na tambaya ko ainihin burin bai bayyana sosai ba: kafa
wani tsarin mulkin danniya a nan, inda ake iya

211
00:16:28,138 --> 00:16:34,600
bibiyar 'yan ƙasa ta hannun gwamnati a kowane
lokaci da kowane wuri, kuma a bayyana su gaba ɗaya.

212
00:16:34,600 --> 00:16:37,440
To, ina so in bar shi a bude a yanzu.

213
00:16:37,440 --> 00:16:42,539
Amma abu ɗaya da zan iya faɗa da tabbaci:
al'umma mai 'yanci tabbas tana buƙatar tsarin biyan

214
00:16:42,539 --> 00:16:46,539
kuɗi na 'yanci wanda ba za a iya sa ido a kansa ba.

215
00:16:55,399 --> 00:17:00,596
Kuma duk abin da ya shafi dijital, tabbas ana
iya sa ido a kai cikin sauƙi. A gaskiya,

216
00:17:00,596 --> 00:17:04,160
al'umma sai ta fara zama mai tsoro kuma mai biyayya.

217
00:17:04,160 --> 00:17:14,559
Don haka idan an biya wannan taron ne ta hanyar
dijital kawai a yau, za a rubuta cewa kana nan a yau.

218
00:17:14,559 --> 00:17:20,680
A ka'ida, zai yiwu cewa yanzu za a kuma sanya
ka ko a nada ka a matsayin "persona non grata".

219
00:17:20,680 --> 00:17:23,539
Ina tsammanin duk muna haka.

220
00:17:25,079 --> 00:17:29,039
A'a, da sa'a ban kai ba tukuna. Dole ne in
kasance gaskiya gaba ɗaya game da hakan.

221
00:17:29,039 --> 00:17:37,279
To, ban samu kowace hari ba har zuwa Janairu
saboda na yi muhawara kan komai bisa ga hujjoji.

222
00:17:37,279 --> 00:17:43,296
Amma tun bayan zagayen jawabin koyarwa na
ƙarshe, abin takaici ya fara, kuma ba bisa gaskiya ba

223
00:17:43,296 --> 00:17:46,400
ne, sai dai ana ƙara wasu abubuwa cikin labarin.

224
00:17:46,400 --> 00:17:49,640
Kuma yana da matuƙar haɗari, abin
da nake ganin ɗan abin kunya ne.

225
00:17:49,640 --> 00:17:50,279
Tabbas.

226
00:17:50,279 --> 00:17:53,240
Kuma shi ya sa yake da muhimmanci ka gabatar
da komai cikin irin wannan salo na gaskiya.

227
00:17:53,240 --> 00:17:56,400
Wannan kuma yana sa ba za a iya kai maka
hari ba, kuma babu wanda zai iya musanta hakan.

228
00:17:56,400 --> 00:18:01,799
Duk wannan bisa ga gaskiya ce, shi ya sa
yake da matuƙar muhimmanci ga wannan muhawara.

229
00:18:01,799 --> 00:18:03,480
Don haka, na gode sosai daga gare ni.

230
00:18:03,480 --> 00:18:05,579
Na gode.

231
00:18:08,480 --> 00:18:16,900
Mun canza jerin ɗan kaɗan don ya dace da batutuwa, don
haka yanzu ina so in roƙi Mista Stützle ya sake haɗuwa da ni.

232
00:18:24,480 --> 00:18:28,799
Eh, abin da ka faɗa a baya game da
kuɗi har yanzu yana sabo a ƙwaƙwalwata.

233
00:18:28,799 --> 00:18:31,599
Wannan shi ne lokacin da lokacin
tsakanin darussan biyu ya fi kankanin.

234
00:18:31,599 --> 00:18:37,440
Shi ya sa sauyawa zuwa ɓangaren mafita ya fi sauƙi
anan, domin za mu iya ci gaba ba tare da tangarda ba.

235
00:18:37,440 --> 00:18:41,519
Don haka matsalar ita ce, kamar yadda muka
bayyana a baya, ana ƙara matsa lamba kan kuɗi.

236
00:18:41,519 --> 00:18:46,010
Yanzu ga tambaya mafi muhimmanci: me za mu
iya yi kowane mutum, me kowannenmu zai iya

237
00:18:46,010 --> 00:18:50,279
yi don hana kuɗi ɓacewa ko ya kasance a baya?

238
00:18:50,279 --> 00:18:57,079
Eh, tambaya gajere, amsa mai tsawo: yana da matuƙar wahala.

239
00:18:57,079 --> 00:19:07,200
Lallai muna cikin wani hali inda, da farko, tattalin arziki zai
iya ƙin karɓar kuɗi, sannan na biyu, jiha tana ƙin karɓar kuɗi.

240
00:19:07,200 --> 00:19:13,559
Idan za a yi magana a kan haka, kuɗin da
gwamnati kaɗai ta fitar shi ne kuɗin takarda!

241
00:19:13,559 --> 00:19:21,839
Kuma jiha tana ƙin karɓar kuɗinta.
Wannan da kansa ba shi da ma'ana.

242
00:19:21,839 --> 00:19:29,920
A cikin 'yan shekarun nan, na ji haushi sosai
saboda kudi yana faduwa ba tare da tsayawa ba.

243
00:19:29,920 --> 00:19:35,400
Kudi ba sa tsayawa daraja, a cewar
kididdiga daga Deutsche Bundesbank.

244
00:19:35,400 --> 00:19:43,281
An wallafa sabbin ƙididdiga a shekarar 2023. Dangane
da kaso na biyan kuɗi da hannu a Jamus, har yanzu ana

245
00:19:43,281 --> 00:19:48,640
biyan kashi 51 cikin ɗari na kayayyaki da kuɗi da hannu.

246
00:19:48,640 --> 00:19:51,839
Ana rage shi da kashi huɗu cikin ɗari a kowace shekara.

247
00:19:51,839 --> 00:19:56,640
Wannan yana nufin cewa yanzu, a
shekarar 2025, muna kusan kaso 43 cikin ɗari.

248
00:19:56,640 --> 00:20:04,300
Idan aka ƙara gasa kai tsaye daga e-euro, to nan da
shekarar 2030 za mu iya ganin biyan kuɗi da hannu ya

249
00:20:04,300 --> 00:20:09,039
sauka cikin sauri zuwa kashi 15 cikin ɗari ko ƙasa da haka.

250
00:20:09,039 --> 00:20:11,279
Kuma shi ne dukkan matsalar.

251
00:20:11,279 --> 00:20:17,480
Ni kaina na ji matuƙar takaici cewa babu ko
ɗan ƙaramin niyyar siyasa na kare kuɗi ta doka.

252
00:20:17,480 --> 00:20:20,559
Kudi tabbas suna buƙatar kariyar doka!

253
00:20:20,559 --> 00:20:27,160
Kuma ɗaya daga cikin matakan kariya na doka shi ne
cewa za mu sake samun 'yancin zaɓar biyan kuɗi da hannu.

254
00:20:27,160 --> 00:20:32,279
Cewa a ƙarshe zai koma hannun 'yan ƙasa.

255
00:20:32,279 --> 00:20:40,039
Don cimma wannan, a zahiri muna buƙatar manufofin "karɓa
tilas" a harkokin kasuwanci da kuma tsakanin hukumomin gwamnati.

256
00:20:40,039 --> 00:20:49,640
Daga yanzu – kuma a yau muna magana ne game da 'yan ƙasa masu
ɗaukar nauyi – 'yan ƙasa a ƙarshe suna da damar sake jefa ƙuri'a.

257
00:20:49,640 --> 00:20:53,940
Don haka muna buƙatar 'yancin zaɓi sake,
kuma ina ganin hakan yana da muhimmanci.

258
00:21:00,279 --> 00:21:05,440
Har yanzu babu niyyar siyasa a yau.

259
00:21:05,440 --> 00:21:13,160
Amma wata dama ta musamman ta bayyana don sanya kuɗi cikin doka.

260
00:21:13,160 --> 00:21:21,880
Ba saboda ana so a siyasa ba, amma saboda
masu iko da 'yan siyasa suna so wani abu daban.

261
00:21:21,880 --> 00:21:23,960
Suna so e-euro,

262
00:21:23,960 --> 00:21:24,279
tilas

263
00:21:24,279 --> 00:21:28,960
Suna aiwatar da shi – haka yake a halin yanzu.

264
00:21:28,960 --> 00:21:39,599
Shi ya sa aka fitar da "ka'idar da aka gabatar"
don e-euro kuma suna so e-euro ya zama kudin doka.

265
00:21:39,599 --> 00:21:47,412
Wannan yana nufin cewa an tilasta musu fitar da
ƙa'ida ta wucin gadi kan kuɗi a rana ɗaya. Wannan

266
00:21:47,412 --> 00:21:51,480
saboda kuɗi ne kawai ke zama halal a halin yanzu.

267
00:21:51,480 --> 00:21:55,857
Don haka a takaice hakan na nufin cewa, a wani abin
mamaki, gabatar da e-euro a farko zai kare kuma

268
00:21:55,857 --> 00:21:59,319
ya tabbatar da kuɗi na hannu, a wani irin magana ce?

269
00:21:59,319 --> 00:22:00,801
A'a, ba kwata-kwata.

270
00:22:00,801 --> 00:22:06,647
Don haka a al'ada zai yi kyau. Muna iya ganinsa a nan yanzu.

271
00:22:06,647 --> 00:22:14,920
A cewar ƙudirin ƙa'ida, za a karɓi e-euro a matsayin
kuɗin halal a shaguna – aƙalla a cewar ƙudirin yarjejeniya.

272
00:22:14,920 --> 00:22:18,440
Eh, amma saboda ka ce an tilasta musu su
haɗa abin nan na gaba a cikin ƙa'ida ma.

273
00:22:18,440 --> 00:22:20,799
Don haka dukkansu an tabbatar da su a cikin ƙa'ida, ko?

274
00:22:20,799 --> 00:22:22,713
A'a, akwai ƙa'idoji guda biyu da aka gabatar.

275
00:22:22,713 --> 00:22:29,834
Akwai ƙa'idodi guda biyu da aka
gabatar – ɗaya don e-euro, ɗaya don kuɗi.

276
00:22:29,834 --> 00:22:32,440
Wannan muhimmin batu ne sosai.

277
00:22:32,440 --> 00:22:39,440
Abin sha'awa ne a lura cewa ƙa'idar da aka gabatar kan kuɗi ba
ta ɗora wani wajibci ko tilastawa na karɓar kuɗi a kasuwanci.

278
00:22:39,440 --> 00:22:41,480
Aƙalla haka ake cewa.

279
00:22:41,480 --> 00:22:44,542
Wannan a zahiri ba shi da ma'ana.

280
00:22:44,542 --> 00:22:50,533
Wannan yana nufin cewa a nan gaba za mu sami
nau'ikan kuɗaɗen doka guda biyu daban – e-euro da kuma

281
00:22:50,533 --> 00:22:54,318
ɗaya da ba shi da fifiko sosai, wato kuɗi na hannu.

282
00:22:54,318 --> 00:22:58,444
Kuma komai, kamar kullum bayan rushewar
kuɗi na hannu, yana faruwa ne ta bazata.

283
00:22:58,444 --> 00:23:04,230
Kwamitin Tarayyar Turai cike yake da lauyoyi,
masana tattalin arziki da masu gudanar da kasuwanci.

284
00:23:04,230 --> 00:23:11,559
Kuma sun yi kuskure, wato: kuɗi –
babu wajibcin karɓar sa a shaguna.

285
00:23:11,559 --> 00:23:14,006
To, abin mamaki ne sosai, ina ganin.

286
00:23:14,006 --> 00:23:21,781
Amma yanzu muna da dama, wato mu ɗauki mataki.

287
00:23:21,781 --> 00:23:25,994
Za a rufe ƙofar sake a cikin watanni masu zuwa.

288
00:23:25,994 --> 00:23:33,185
Za a kuma daidaita wannan kuɗi da e-euro, kuma
zai zama wajibi ga 'yan kasuwa su karɓe shi.

289
00:23:33,185 --> 00:23:36,960
Wannan yana da matuƙar muhimmanci, matuƙar muhimmanci.

290
00:23:36,960 --> 00:23:43,453
Yanzu a zahiri dole ne mu matsa wa masu yanke shawara
lamba domin tabbatar da cewa wannan ma ra'ayin mutane ne.

291
00:23:43,453 --> 00:23:47,841
Don haka na kafa wata roƙo don wannan manufa.

292
00:23:47,841 --> 00:23:56,640
Wannan wata petisiyon ce a www.bargelderhalt.eu,
inda a halin yanzu muke da sa hannun mutane 126,000.

293
00:23:56,640 --> 00:23:59,039
Matsalar ita ce, ba ta isa ba.

294
00:23:59,039 --> 00:24:04,811
Dole ne mu tabbatar cewa yana wakiltar al'umma.

295
00:24:04,811 --> 00:24:09,958
Don haka kawai ina roƙon ku – kuma wannan ma
kira ce ta neman taimako a yau – ku sanya hannu kan

296
00:24:09,958 --> 00:24:12,609
wannan roƙon, ku watsa shi ga wasu, da sauransu.

297
00:24:12,609 --> 00:24:23,085
Lokacin da muka ƙaddamar da bukatar, mun aika labarin
jarida zuwa jaridu 350. Kuma mun samu amsoshi uku kawai.

298
00:24:23,085 --> 00:24:27,713
Kuma amsar ita ce: Da fatan ba za
ku sake rubuto mana ba a nan gaba.

299
00:24:27,713 --> 00:24:30,440
Wannan, tabbas, alama ce cewa abubuwa sun yi matukar muni.

300
00:24:30,440 --> 00:24:35,158
Kuma duk da haka mun karɓi kuri'u 126,000 zuwa yanzu.

301
00:24:35,158 --> 00:24:38,537
Amma muna buƙatar aƙalla 300,000.

302
00:24:38,537 --> 00:24:45,137
Ina nufin, da gaske za mu buƙaci mu kai miliyan ɗaya domin
in iya matsa wa hukumomin gwamnati da abin ya shafa lamba.

303
00:24:45,137 --> 00:24:49,538
A ka'ida, kowa na iya sanya hannu kan wannan bukatar,
ba tare da la'akari ko ɗan ƙasar Ostiriya bane –

304
00:24:49,538 --> 00:24:52,289
'yan ƙasar Switzerland ma za su iya yin hakan a ka'ida.

305
00:24:52,289 --> 00:24:55,443
Dole ne mu kada kuri'a mu goyi bayan wannan bukatar.

306
00:24:55,443 --> 00:25:02,135
Kuma ga buƙatar a karɓi kuɗi a matsayin hanyar biyan
kuɗi a shaguna, kuma, tabbas, daga hukumomin gwamnati.

307
00:25:02,135 --> 00:25:04,430
Wannan a takaice buƙata ce da mafita.

308
00:25:04,430 --> 00:25:07,839
Matsalar ita ce, za a yanke shawara a wannan shekara!

309
00:25:07,839 --> 00:25:11,152
Wannan yana nufin muna da lokaci kaɗan ƙwarai.

310
00:25:11,152 --> 00:25:15,949
Wannan a zahiri yana haifar da tambaya: har zuwa wane mataki ne
Majalisar Dokokin Turai a zahiri ta kunshi 'yan

311
00:25:15,949 --> 00:25:20,780
majalisa masu ɗaukar alhaki waɗanda kansu ke yanke
shawara kan abin da suke tunani da abin da suke so?

312
00:25:20,780 --> 00:25:22,800
Da yawa kuma ba su da kwarewar fasaha da ake bukata.

313
00:25:22,800 --> 00:25:26,511
Mun san cewa a wasu lokuta ana amince da shawarwarin
ƙungiyar majalisa ne kawai ba tare da wata tambaya ba.

314
00:25:26,511 --> 00:25:32,359
Kuma ana magance wannan a bayan ƙofofi masu rufewa a Majalisar
Dokokin Turai fiye da yadda ake yi a majalisun ƙasa, a ce.

315
00:25:32,359 --> 00:25:38,079
Wannan yana nufin cewa matsin lamba zai zama mai yawa a
nan. Fiye da komai, matsin lamba na jama'a zai zama mai yawa.

316
00:25:38,079 --> 00:25:46,211
To yanzu, don bayar da wani adadi, matakin girma. Me za ka ce shi
ne adadin 'masu gabatar da bukata' da ake

317
00:25:46,211 --> 00:25:54,619
bukata don samun babban ci gaba na gaske – wanda
zai kai ga muhimmin motsi a Majalisar Dokoki?

318
00:25:54,619 --> 00:25:56,347
Majalisar dokoki guda ɗaya ce.

319
00:25:56,347 --> 00:26:02,681
Ana tattauna dokar da aka gabatar a halin
yanzu a Kwamitin ECON na Majalisar Turai, kuma a

320
00:26:02,681 --> 00:26:06,196
wannan mataki har yanzu ana iya yin canje-canje.

321
00:26:06,196 --> 00:26:09,562
Wannan yana nufin cewa mataki na farko
shi ne ƙara matsin lamba kan Kwamitin ECON.

322
00:26:09,562 --> 00:26:11,599
Ina yin abubuwa da yawa don cimma wannan.

323
00:26:11,599 --> 00:26:17,703
Wataƙila kawai don bayaninka: godiya ga
ɓangare na buƙatar kuɗi, mun haɓaka al'umma wadda

324
00:26:17,703 --> 00:26:20,720
a halin yanzu ke da jimillar mambobi 65,000.

325
00:26:20,720 --> 00:26:27,931
Wannan yana nufin muna ƙoƙarin kafa wata ƙungiya
don tara kuɗi, domin mu aiwatar da ayyuka tare.

326
00:26:27,931 --> 00:26:30,799
Kuma muna yin wasu ayyukan halartar jama'a.

327
00:26:30,799 --> 00:26:37,839
A halin yanzu muna ƙoƙarin kawo Kwamitin ECON kusa da
muradin mutane ta hanyar shirya manyan kamfen na rubuta wasiƙu.

328
00:26:37,839 --> 00:26:44,158
Mutane 1,300 sun halarci yakin rubuta wasiƙa na
ƙarshe. Kuma, tabbas, ana aika wasiƙun da suka dace.

329
00:26:44,158 --> 00:26:47,015
Wannan yana nufin cewa dole ne mu
fara matsa wa Kwamitin ECON lamba.

330
00:26:47,015 --> 00:26:52,352
Duk da haka, dole ne a ƙirƙiri sabon wayar da kai
game da wannan batu a tsakanin jama'a da 'yan siyasa.

331
00:26:52,352 --> 00:26:54,759
Don haka, wani batu ne mai matuƙar muhimmanci.

332
00:26:54,759 --> 00:27:01,200
Dole ne a tabbatar da kuɗi a doka – wato, a
karɓe shi a shaguna da hukumomin gwamnati.

333
00:27:01,200 --> 00:27:05,561
Ina tambaya ne kawai saboda, kamar yadda na
fada, 146,000 – idan ka ce wannan a gaskiya ya

334
00:27:05,561 --> 00:27:07,521
bazu a Turai baki ɗaya – ba yawa ba ne sosai.

335
00:27:07,521 --> 00:27:09,000
Wannan yana nufin dole ne ya kasance da yawa sosai.

336
00:27:09,000 --> 00:27:15,319
Don haka tambayar ita ce, me za ka ce:
menene burin a nan domin a samu maki da gaske?

337
00:27:15,319 --> 00:27:19,519
To, ina ganin ya kamata mu kai alamar miliyan ɗaya.

338
00:27:19,519 --> 00:27:22,200
Ina nuni sosai da ƙasar Jamus a halin yanzu.

339
00:27:22,200 --> 00:27:25,939
A halin yanzu, hakan ba ya bayyana sosai.

340
00:27:25,939 --> 00:27:27,559
Kuma a miliyan ɗaya, muna fara jin matsin lamba.

341
00:27:27,559 --> 00:27:31,524
Wannan ba tunanin mafarki ba ne; dole ne mu yi wani abu.

342
00:27:31,524 --> 00:27:40,285
Na kasance a kan zagayen gabatar da lacca kuma na
yi ƙoƙarin kafa hulɗa mafi kusa da masu yada saƙo.

343
00:27:40,285 --> 00:27:44,592
Wannan yana nufin cewa tun daga yau, na
kawo ƙarshen zagayen gabatar da lacca na.

344
00:27:44,592 --> 00:27:51,049
A cikin watanni biyu masu zuwa, zan mai da hankali sosai kan
tashoshin YouTube da ke gayyatar ni zuwa

345
00:27:51,049 --> 00:27:58,077
hirarraki domin wayar da kan mutane game da wannan
bukatar – domin mu sami damar kaiwa ga miliyan ɗaya.

346
00:27:58,077 --> 00:28:07,135
A gaskiya ina neman taimako: idan kuna da hulɗa da masu yada
labarai, jaridu, da sauransu, don Allah ku samar da wata alaƙa

347
00:28:07,135 --> 00:28:11,349
domin in gabatar da wannan buƙata – kuma domin ta samu ganuwa.

348
00:28:11,349 --> 00:28:15,556
Sa'an nan zai iya kaiwa ga alamar miliyan cikin sauƙi.

349
00:28:15,556 --> 00:28:17,400
Ina buƙatar taimakon kowa da kowa game da wannan.

350
00:28:17,400 --> 00:28:21,599
Wannan ma shi ne ɗaya daga cikin manyan
dalilan da yasa nake tsaye a nan a yau.

351
00:28:21,599 --> 00:28:23,940
Na gode ƙwarai da gaske da hakan.

352
00:28:29,429 --> 00:28:31,720
Kuma ka ambace shi a taƙaice a baya a cikin bayanin matsalar.

353
00:28:31,720 --> 00:28:36,165
– Tabbas, tambayar ita ce: kati a gefe ɗaya, kuɗi a gefe guda?

354
00:28:36,165 --> 00:28:38,119
A ka'ida, yana kama da wani irin hukuncin zaɓe.

355
00:28:38,119 --> 00:28:43,440
Wannan yana nufin cewa, a ka'ida, za ka iya yin wani abu da kanka
ta hanyar biyan kudi da hannu gwargwadon iko, ko ba haka ba?

356
00:28:43,440 --> 00:28:47,410
Don haka taken yau shi ne "Ɗan ƙasa mai ɗaukar alhaki".

357
00:28:47,410 --> 00:28:51,451
Wannan yana nufin cewa, domin 'yan ƙasa su
kasance masu ɗaukar alhaki, da farko muna

358
00:28:51,451 --> 00:28:54,079
buƙatar 'yancin zaɓi da sanin abin da muke haifarwa.

359
00:28:54,079 --> 00:29:01,421
Mun san cewa bankunan tsakiya suna haɗa makomar kuɗi da buƙata.

360
00:29:01,421 --> 00:29:07,225
Daga wannan hangen nesa, hakika muna da
dimokuradiyya kai tsaye game da kuɗi a halin

361
00:29:07,225 --> 00:29:11,962
yanzu – saboda akwai takardar zaɓe don riƙe kuɗi.

362
00:29:11,962 --> 00:29:17,590
Kuma takardar kuri'a tana kama da haka, misali.

363
00:29:17,590 --> 00:29:24,906
Wannan yana nufin cewa ba mu kada kuri'a duk bayan
shekaru huɗu ba, kamar zaɓukan tarayya da sauransu, sai dai:

364
00:29:24,906 --> 00:29:29,920
Muna zaɓar kuɗi a kowace rana tare da kowace sayayya da muke yi!

365
00:29:29,920 --> 00:29:35,593
Wato, abin da ake nufi shi ne mu gane, a
matsayin 'yan ƙasa masu ɗaukar alhaki, cewa dole ne mu

366
00:29:35,593 --> 00:29:38,559
ci gaba da ƙara buƙatar kuɗi har yadda zai yiwu.

367
00:29:38,559 --> 00:29:41,812
Wannan shi ne abin da ya fi
muhimmanci, wato sanin wannan gaskiya.

368
00:29:41,812 --> 00:29:49,482
Don haka, hakan na nufin cewa idan muka sake fita
siyayya a gaba, za mu mika takardar kuri'armu don riƙe

369
00:29:49,482 --> 00:29:54,880
kuɗi – amma akwai kuma takardar kuri'a don kawar da kuɗi.

370
00:29:54,880 --> 00:30:00,626
Kuma kana da zaɓi ka ce: To, zan biya da kati ko ta wayar hannu.

371
00:30:00,626 --> 00:30:05,599
Kuma da faɗin haka, ba ka faɗi komai ba
sai: Ina goyon bayan kawar da kuɗi na hannu.

372
00:30:05,599 --> 00:30:07,440
Wannan shine ainihin sa.

373
00:30:07,440 --> 00:30:16,312
Dalilin da ya sa nake tsaye a nan a gabanku shi ne kawai
don in bayyana wa mutane abin da ayyukansu ke haifarwa.

374
00:30:16,312 --> 00:30:20,126
Eh, kuma ina so in ga 'yan ƙasa masu
ɗaukar alhaki waɗanda suke tunani a kan wannan:

375
00:30:20,126 --> 00:30:26,839
Abin da nake haddasawa da wannan takardar zabe,
da abin da nake haddasawa da wannan takardar zabe.

376
00:30:26,839 --> 00:30:29,532
Wannan shi ne dalili guda kawai – ina so 'yan
ƙasa su kasance masu iya yanke shawara da kansu.

377
00:30:29,532 --> 00:30:33,839
Kuma yana da muhimmanci ga 'yan ƙasa masu ɗaukar alhaki
su kasance masu matuƙar sanin sosai game da wannan batu.

378
00:30:33,839 --> 00:30:35,740


379
00:30:43,432 --> 00:30:45,999
Ana tambaya a halin yanzu nawa
lokaci za a ci gaba da karɓar petishan.

380
00:30:45,999 --> 00:30:52,086
Zai ci gaba har Majalisar Dokoki ta Turai ta kada kuri'a a kansa.

381
00:30:52,086 --> 00:30:57,516
Zan ce zai ci gaba har zuwa Oktoba 2025 a mafi tsawo.

382
00:30:57,516 --> 00:30:59,254
Dole ne mu gani ko zai zo kafin hakan.

383
00:30:59,254 --> 00:31:08,319
Amma da alama ba zai kasance a shekarar 2025 ba, domin a wannan
lokacin ne e-euro za ta shiga mataki na uku na ci gabanta.

384
00:31:08,319 --> 00:31:09,720
Eh, na gode ƙwarai da ƙwarai da kimantawarka.

385
00:31:09,720 --> 00:31:15,073
Kuma shi ya sa abubuwan irin wannan da Erwin
Rigo ya shirya suke da matuƙar muhimmanci, domin mu

386
00:31:15,073 --> 00:31:17,830
wayar da kan jama'a game da waɗannan matsaloli.

387
00:31:17,830 --> 00:31:20,984
Saboda mutane da yawa suna yin hakan, tabbas adadi mai
yawa a nan cikin wannan ɗaki, amma mutane da yawa a

388
00:31:20,984 --> 00:31:22,992
cikin jama'a gabaɗaya ba sa yin hakan. Eh, abin takaici.

389
00:31:22,992 --> 00:31:25,032
Eh, kuma ina so in ƙara wani abu a kan hakan.

390
00:31:25,032 --> 00:31:29,119
Za ka iya sanya hannu da kanka a www.bargelderhalt.eu.

391
00:31:29,119 --> 00:31:35,279
Kuma idan ka yi alama a cikin akwatin nan,
za ka zama ɓangare na al'umma ta atomatik.

392
00:31:35,279 --> 00:31:40,367
Yana nuna ko kuna son a sanar da
ku game da ci gaban ƙarin petishan.

393
00:31:40,367 --> 00:31:42,594
sannan ka zama ɓangare na al'umma.

394
00:31:42,594 --> 00:31:44,568
Al'umma tana da matuƙar muhimmanci.

395
00:31:44,568 --> 00:31:51,013
Domin ko da muka yi nasara da
buƙatar, zai dakatar da faduwar kuɗi kawai.

396
00:31:51,013 --> 00:31:55,466
Amma matakan talla na masana'antar kudi sun wuce haka.

397
00:31:55,466 --> 00:32:02,121
Wannan yana nufin dole ne mu shirya kanmu; dole ne mu
ƙirƙiri matsin lamba don samun kuɗi, don 'yancinmu.

398
00:32:02,121 --> 00:32:04,688
Maganganun kammala da taƙaitaccen bayanin sun yi kyau sosai.

399
00:32:04,688 --> 00:32:08,160
Sa'a da hakan, kuma ku ci gaba da
kyakkyawan aiki kan wannan batu.

400
00:32:08,160 --> 00:32:10,099
Na gode.

401
00:32:23,173 --> 00:32:27,060
Don amsa tambayoyin da ba a amsa ba a
cikin hirar: Me ya sa kake yin hakan?

402
00:32:27,060 --> 00:32:29,580
Me ya sa ake rage kuɗi a zahiri?

403
00:32:29,580 --> 00:32:41,019
- har yanzu ba a amsa ba, za mu kammala wannan gudunmawa
mai ban sha'awa ta Mista Stützle ta hanyar nuna shirin Kla.TV

404
00:32:42,839 --> 00:32:47,288
Rushewar kudi ta hanyar bin iko ba tare da kulawa ba

405
00:32:47,288 --> 00:32:57,271
Gwamnatin Amurka na ɗaya daga cikin manyan ƙarfafan da ke
da alhakin saurin kawar da kuɗin hannu a duniya baki ɗaya.

406
00:33:37,703 --> 00:33:06,361
Da taimakon Hukumar Ci gaban Duniya ta Amurka
(USAID), an kafa Better than Cash Alliance a shekarar 2012.

407
00:33:06,361 --> 00:33:12,309
Tun daga lokacin, an yi amfani da wannan don tallata
rushewar kuɗi na hannu a duniya baki ɗaya cikin babban ƙarfi.

408
00:33:12,309 --> 00:33:17,676
Dalilin wannan sadaukarwa daga Amurka shi ne
cewa kamfanonin Amurka ne ke mamaye mu'amalolin

409
00:33:17,676 --> 00:33:21,399
biyan kuɗi ba tare da kuɗi ba a duniya baki ɗaya.

410
00:33:21,399 --> 00:33:29,484
Wannan a kaikaice yana ba gwamnatin Amurka damar sa ido kan
mu'amalolin kuɗi na ƙasashe daban-daban, bankuna, kamfanoni

411
00:33:29,484 --> 00:33:38,058
har ma da mutane, da kuma ware su daga mu'amalolin biyan
kuɗi ba tare da kuɗi ba idan ba su yi abin da take so ba.

412
00:33:38,058 --> 00:33:45,977
Wannan yana wakiltar babban abin ƙarfi, wanda yanzu mai
yiwuwa zai kasance kusan daidai da rinjayen soja na Amurka.

413
00:33:45,977 --> 00:33:52,715
Raguwar amfani da kuɗi na takarda
tana ƙara ƙarfin Amurka ta atomatik.

414
00:33:52,715 --> 00:34:00,546
Yanzu za mu duba hanyar da waɗannan masana dabarun kuɗi suka bi
don faɗaɗa iko ta hannun manyan masu ba da

415
00:34:00,546 --> 00:34:09,477
sabis na biyan kuɗi ko tsarin bankin duniya, ta
amfani da wasu misalai daga ko'ina cikin duniya:

416
00:34:09,477 --> 00:34:18,401
Kamfanin samar da sabis na biyan kuɗi na duniya VISA ya gabatar
da matakai masu ƙarfi don maye gurbin biyan kuɗi da kuɗi.

417
00:34:18,401 --> 00:34:24,999
Da kasafin kuɗi har zuwa dala Amurka 500,000,
mashaya, kafuna da gidajen cin abinci a Amurka

418
00:34:24,999 --> 00:34:30,001
za su samu tallafi idan suka daina karɓar kuɗi.

419
00:34:30,001 --> 00:34:40,487
Bugu da ƙari, VISA ta yi ƙoƙarin rinjayar gwamnatin
Bulgaria don rage iyakar kuɗi a matakai biyu zuwa kusan €500.

420
00:34:40,487 --> 00:34:46,377
Kididdiga daga Amurka sun tabbatar da cewa an sanya
muradun tattalin arziki na zahiri a cikin haɗari a nan.

421
00:34:46,377 --> 00:34:53,990
A shekarar 2018, biyan kuɗi da katin bashi kaɗai ya
haifar da kuɗaɗen kashewa na dala biliyan 90 a can.

422
00:34:53,990 --> 00:35:01,935
Kudi da mafi yawansu abokan ciniki suka biya kuma suka shiga
aljihun masu ba da sabis na biyan kuɗi ba tare da kuɗi ba.

423
00:35:01,935 --> 00:35:07,006
Amma waɗannan ba su ne kaɗai sakamakon
ƙaruwa wajen maye gurbin kuɗin takarda ba.

424
00:35:07,006 --> 00:35:13,737
Matsanancin ci gaban da aka samu a Girka yana ba
da ra'ayi game da sakamakon kawar da kuɗi na hannu.

425
00:35:13,737 --> 00:35:19,144
A can, ana hukunta 'yan ƙasa da tarar haraji idan ba su yi
isassun biyan kuɗi ba tare da amfani da kuɗi

426
00:35:19,144 --> 00:35:24,829
kai tsaye ba, kuma ana tilasta wa kamfanoni
su shiga kwangiloli da kamfanoni irin su VISA.

427
00:35:24,829 --> 00:35:33,211
Dole ne a ba da rahoton kuɗin da ake ajiye a gida ga hukumomi,
kuma za a kwace shi idan ba a iya tabbatar da asalin sa ba.

428
00:35:33,211 --> 00:35:42,441
Kuma a nan ne muradun fannoni biyu – masu ba da sabis na
biyan kuɗi da tsarin bankin duniya – ke tafiya hannu da hannu:

429
00:35:42,441 --> 00:35:49,557
Sashe na gaba ya bayyana a sarari cewa waɗannan yankuna suna
haɗuwa da juna kamar haƙoran watsawa na na'urar agogo domin

430
00:35:49,557 --> 00:35:54,295
samun iko kan albarkatun kuɗi, har zuwa dukiyar kashin kai.

431
00:35:54,295 --> 00:35:59,786
Domin motsa tattalin arziki, ECB ta
dade tana rage manyan ƙimar ruwa.

432
00:35:59,786 --> 00:36:05,786
Tunda ƙimar riba mai minus a asusun ajiya ke nufin
kwace dukiya a hankali, masu zuba jari na iya

433
00:36:05,786 --> 00:36:10,025
kare kansu daga asarar daraja ta hanyar cire kuɗinsu.

434
00:36:10,025 --> 00:36:17,900
Duk da haka, wannan ikon yanke shawara kan
dukiyoyin mutum yana takaita damar tasirin ECB.

435
00:36:17,900 --> 00:36:25,103
Takardar bincike ta IMF kan aiwatar da tsarin ribar ruwa mara
kyau yanzu ta ba da shawarar kakaba cajin musayar

436
00:36:25,103 --> 00:36:33,197
kuɗi kan kuɗi mai ainihi wanda ya yi daidai da ribar
ruwa da ake amfani da ita ga kadarorin da aka zuba jari.

437
00:36:33,197 --> 00:36:45,260
Da ƙimar riba mai minus, misali -5%, za ka
karɓi €95 a hannu idan ka cire €100 daga ATM.

438
00:36:45,260 --> 00:36:53,357
Sakamakon haka zai kasance cewa jan hankalin kudi a
matsayin hanyar ajiya da kuma hanyar biyan kuɗi zai ragu

439
00:36:53,357 --> 00:36:59,437
sosai, yana shimfiɗa hanya ga kawar da kudi gaba ɗaya.

440
00:36:59,437 --> 00:37:06,601
Farishen Hans-Werner Sinn, tsohon shugaban Cibiyar ifo
kuma kwararren masanin tattalin arziki, ya yi tsokaci:

441
00:37:06,601 --> 00:37:12,777
Idan ECB na son kawar da kuɗin euro na
hannu, dole ne Jamus ta sake gabatar da DM.

442
00:37:12,777 --> 00:37:17,303
Kudi na hannu muhimmin ɓangare ne na 'yanci.

443
00:37:17,303 --> 00:37:21,596
Kudi na nufin 'yancin zaɓi.

444
00:37:21,596 --> 00:37:28,164
Saboda haka, ga mutumin da aka hana
shi gaba ɗaya, yana da daraja sau goma.

445
00:37:28,164 --> 00:37:32,641
Fyodor M. Dostoevsky, marubucin Rasha.

446
00:37:39,783 --> 00:37:46,720
Masu kallo, ƙarin rahotanni game da wannan lamari
a Dornbirn sun riga sun samu don kallo a HOCH2.TV.

447
00:37:46,720 --> 00:37:49,179
Za ku sami hanyoyin haɗi a ƙasan wannan shirin.

448
00:37:49,179 --> 00:37:53,613
Muna so mu yi amfani da wannan dama mu gode
wa HOCH2.TV saboda kyakkyawar haɗin gwiwarsu.