WEBVTT 00:00.520 --> 00:09.164 A ranar 29 ga Maris 2025, Kulturhaus Dornbirn ta shirya taron "Yanci & Kadaici – Ɗan ƙasa Mai Alhaki" tare da 00:09.164 --> 00:14.560 gudummawa masu ban sha'awa kan mulkin doka, ikon ƙasa da kuɗi. 00:14.560 --> 00:18.359 An shirya taron ne ta Academy for Personal Development a Dornbirn. 00:18.359 --> 00:24.920 HOCH2.TV ta rikoda kuma ta gyara dukkan rahotannin a gare ku, masu kallo. 00:24.920 --> 00:31.780 A yau, Kla.TV na gabatar da hira da Hansjörg Stützle kan korar kuɗi. 00:45.840 --> 00:53.679 Yanzu mun zo ga Mista Hansjörg Stützle da batun kiyaye kuɗi da kawar da kuɗi. 00:53.679 --> 00:58.140 Haka kuma yana da alaƙa ta jigo, kodayake da ɗan canji kaɗan. 01:04.599 --> 01:07.640 Mai Girma Mista Stützle, watakila da farko tambaya ce ta gaggawa a gare ku. 01:07.640 --> 01:13.719 Ta yaya ka shiga sosai cikin batun soke ko ci gaba da amfani da kuɗi na hannu? 01:13.719 --> 01:19.159 Eh, to, a gare ni wannan ya faru ne tun daɗe, tabbas kusan shekaru 25 da suka wuce. 01:19.159 --> 01:27.799 Kuma da farko, daga mahangar tunani, saboda akwai masu adawa da tsarin biyan kuɗi kyauta. 01:27.799 --> 01:30.519 Kuma wannan galibi masana'antar kuɗi ce. 01:30.519 --> 01:36.920 Kusan shekaru 25 da suka wuce, ya kasance a bayyane mini cewa wannan batu zai taso a wani lokaci. 01:36.920 --> 01:45.480 Saboda kuɗi na iya jefa tsarin kasuwancinsu cikin haɗari ta hanyar yiwuwar gudu kan banki. 01:45.480 --> 01:51.230 Wannan yana nufin cewa masana'antar kuɗi a zahiri koyaushe tana ƙarƙashin matsin lamba don 01:51.230 --> 01:54.680 kiyaye amincewar jama'a ga tsarin kuɗi a wani mataki. 01:54.680 --> 02:01.840 Idan wannan ya faɗi ƙasa da wani mataki, 'yan ƙasa sukan ji damuwa sukan je banki. 02:01.840 --> 02:06.640 Yana so kudin, yana so ya kawo su cikin filin tasirinsa. 02:06.640 --> 02:10.680 Sa'an nan layuka suke samuwa, sai a fara gudu zuwa bankuna, da sauransu. 02:10.680 --> 02:15.520 Sai kuma, tabbas, wata babbar matsala ta faru. 02:15.520 --> 02:21.840 A lokacin, ya kasance a fili a gare ni cewa babu wata alamar kawar da kuɗi. 02:21.840 --> 02:28.520 Amma a lokacin rikicin kuɗi na 2007–2009, an samu wata ƙarfi sosai na wannan. 02:28.520 --> 02:33.479 Kusan babu wanda ya lura, wato da haramcin kuɗi na ainihi. 02:33.479 --> 02:42.599 Kuma bai jawo hankalin mutane da yawa ba saboda an bayyana shi da kyakkyawan furuci, wato iyakokin kuɗi. 02:42.599 --> 02:47.319 Iyakar kuɗi a hannu tuni ta zama haramcin kuɗi idan ya wuce wani mataki. 02:47.319 --> 02:54.879 A Turai – a nan ne ya fara – muna da ƙasashe 18 da suka haramta amfani da kuɗi idan ya wuce wani iyaka. 02:54.879 --> 03:01.159 Girka, misali, ita ce ƙasar da ke da iyakar kuɗi mafi ƙanƙanci wadda ta kai €500 kawai. 03:01.159 --> 03:10.546 Wannan yana nufin cewa idan ka je Girka yanzu kuma kana son biyan kudin otal na euro 501, ba bisa doka ba ne 03:10.546 --> 03:15.479 kuma ana iya hukunta ka idan ka biya da kuɗi a hannu. 03:15.479 --> 03:25.759 Girka ta riga ta yi ƙoƙari biyu don rage iyakar kuɗi zuwa €200. 03:25.759 --> 03:32.360 Amma hakan ba zai yiwu ba saboda takardar kuɗi ta euro 500 har yanzu ita ce doka ta amince da ita a matsayin kuɗi. 03:32.360 --> 03:36.599 Kuma wannan shi ne kadai dalilin da yasa ba mu da ƙananan iyakar kuɗi. 03:36.599 --> 03:41.520 Eh, kuma a bayyane yake cewa yawancin 'yan ƙasa ba su san waɗannan ci gaban ba a rayuwarsu ta yau da kullum. 03:41.520 --> 03:42.719 Don haka wasu mutane kawai sukan yarda da shi. 03:42.719 --> 03:45.479 Ina tsammanin a Jamus yana kusan euro 10,000. 03:45.479 --> 03:46.719 Ko wannan bayanan nawa ne? 03:46.719 --> 03:52.000 A'a, a halin yanzu babu wani iyaka na kudi na gargajiya a POS (matsayin sayarwa) a Jamus. 03:52.000 --> 03:55.879 Ko ma don ajiya ba, to wannan ne wajibcin gabatar da hujjoji kan wanke kuɗin haraji da makamantansu? 03:55.879 --> 04:00.749 Daidai ne, don haka 'yan kasuwa suna da wajibcin adana rikodi, amma daga shekarar 2027 zuwa gaba, 04:00.749 --> 04:03.599 za a kafa iyakar kuɗi na €10,000 a duk faɗin Turai. 04:03.599 --> 04:04.360 Wannan shine taken. 04:04.360 --> 04:07.360 Kasashen da suka riga sun kasance ƙasa da wannan matakin na iya ci gaba da riƙe shi. 04:07.360 --> 04:10.520 Kuna iya saita iyakar kuɗi ƙasa da £10,000 a kowane lokaci. 04:10.520 --> 04:15.039 Kuma ta yaya za ka bayyana cewa har yanzu akwai ƙarancin sani game da matsalar a wannan yanki? 04:15.039 --> 04:18.839 Shin 'yan ƙasa ba su san girman barazanar da ke tattare da kuɗinsu ba tukuna? 04:18.839 --> 04:20.920 Tabbas ba haka ba. 04:20.920 --> 04:25.240 Na dawo yanzu daga doguwar, doguwar zagayen gabatar da lacca. 04:25.240 --> 04:28.000 Tun watan Janairu, na kasance ina yin tafiya ne kawai don gabatar da lacca. 04:28.000 --> 04:34.519 Idan na yi magana na tsawon sa'o'i biyu game da yadda ake kawar da amfani da kuɗi, mutane da yawa suna cewa: 04:34.519 --> 04:39.279 Na san cewa matsala ce, amma ban san cewa tana da matuƙar jayayya ba. 04:39.279 --> 04:43.120 Amma idan ka saurari Deutsche Bundesbank, komai yana alama lafiya. 04:43.120 --> 04:46.839 Sun tabbatar mana cewa akwai isasshen kuɗi kuma ci gaba da kasancewarsa yana da tabbaci. 04:46.839 --> 04:51.439 Gabaɗaya, ana la'akari ne kawai da abin da ake tsammanin al'umma ke so. 04:51.439 --> 04:53.560 Mun tanadar maka ƙaramin rikodi. 04:53.560 --> 04:57.055 A bazarar da ta gabata, ina tsammanin ka kasance bako a Südwestrundfunk, wata gidan yada 04:57.055 --> 04:59.720 labarai ta jama'a a Jamus wadda take ƙarƙashin ARD. 04:59.720 --> 05:01.160 Wannan shi ne ainihin batun. 05:01.160 --> 05:03.939 Wataƙila za mu sake duba shi da sauri. 05:06.720 --> 05:09.439 To, ina da baƙo da ya dace a cikin studio don amsa wannan tambayar. 05:09.439 --> 05:10.439 Stefan Hardt yana tare da mu. 05:10.439 --> 05:13.560 Shi ne ke jagorantar Sashen Tsakiyar Kudi a Bundesbank. 05:13.560 --> 05:14.000 Sannu da yamma. 05:14.000 --> 05:14.680 Sannu da yamma. 05:14.680 --> 05:19.319 Har tsawon wane lokaci za ku, har tsawon wane lokaci Bundesbank za ta ci gaba da ba mu sabbin kuɗi? 05:19.319 --> 05:23.120 Muddin 'yan ƙasa suna son amfani da kuɗi na hannu. 05:23.120 --> 05:27.360 Shin wannan ya shafi dukkan takardun kudi na kuɗi, ga duk kananan kuɗi? 05:27.360 --> 05:28.480 Eh, tabbas. 05:28.480 --> 05:35.439 A takaice, mafi yawan 'yan ƙasa suna cewa suna son samun zaɓin biyan kuɗi da hannu. 05:35.439 --> 05:39.120 Wannan kusan kashi 93 cikin ɗari na al'umma ne waɗanda ke so hakan. 05:39.120 --> 05:40.800 Kuma ba dukansu ke yin hakan ba. 05:40.800 --> 05:44.759 Amma aƙalla suna so su sami zaɓin biyan kuɗi da hannu. 05:44.759 --> 05:51.279 Kuma muddin mutane suna son biyan da kuɗi, za mu ci gaba da ba da shi. 05:51.279 --> 05:54.279 Masu sha'awar kuɗi yanzu za su iya yin numfashi cikin sauƙi. 05:54.279 --> 05:56.879 Shin ina jin nauyi yana sauka daga kafadunka, Mista Stützle? 05:56.879 --> 06:06.000 Ba kwata-kwata ba, domin an bayyana shi a sarari: muddin akwai buƙata, Deutsche Bundesbank za ta tsaya a kai. 06:06.000 --> 06:07.399 Kuma shi ne dukkan matsalar. 06:07.399 --> 06:11.240 Kuna kuma iya son fayyace menene buƙata. 06:11.240 --> 06:13.240 Ya kamata kaso na biyan kuɗi ya kai nawa? 06:13.240 --> 06:19.319 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? 06:19.319 --> 06:21.720 Wannan a takaice shi ne abin da muke faɗa anan game da biyan kuɗi ta katin. 06:21.720 --> 06:25.680 Ina goyon bayan kawar da kuɗi na hannu, ko ina goyon bayan ci gaba da amfani da kuɗi na hannu. 06:25.680 --> 06:29.680 Don haka, wannan muhimmin batu ne da dole ne mu yi la'akari da shi a nan. 06:29.680 --> 06:40.160 Abin takaici, 'yan ƙasa ba su da kuɗi a hannunsu saboda tattalin arziki ya karkata wajen ƙin karɓar kuɗi. 06:40.160 --> 06:44.040 Wannan yana nufin cewa yanzu akwai 'yan kasuwa a nan Jamus da ke ƙin karɓar kuɗi. 06:44.040 --> 06:49.800 Kuma mun sani cewa, bisa wannan hujja, kuɗi ba zai iya tsira na dogon lokaci ba. 06:49.800 --> 06:57.459 Saboda tattalin arziki ne ke tantance ko mu, a matsayin 'yan ƙasa, muna da zaɓi na biyan da kuɗi a hannu. 07:02.720 --> 07:08.399 To, ina ganin bankin bai yi farin ciki ba lokacin da ka ce wannan karshe, ko? 07:08.399 --> 07:10.160 Eh, ba shi ne abin da yake nufi ba. 07:10.160 --> 07:13.017 Wani lokaci ina jin cewa Deutsche Bundesbank ce ke da alhakin kullum ta rika kwantar da 07:13.017 --> 07:14.560 mutane da hankali, tana rika tabbatar musu da: 07:14.560 --> 07:16.360 Kudin na lafiya. 07:16.360 --> 07:21.040 Amma a ƙarshe, suna danganta shi da buƙata. 07:21.040 --> 07:28.680 Na tambayi tambayar: Me Deutsche Bundesbank ke nufi da buƙata – kuma bai amsa ba. 07:28.680 --> 07:34.399 Akwai wata hanya da ake bi wajen kawar da kuɗi na hannu, wadda nake son bayyana kaɗan. 07:34.399 --> 07:36.000 Mun kuma shirya zane don wannan. 07:36.000 --> 07:37.720 Wannan batu ne mai matuƙar muhimmanci. 07:37.720 --> 07:43.000 Tabbas, tsarin suna kawar da kuɗin hannu. 07:43.000 --> 07:48.160 Kuma ina ƙoƙarin bayyana wani abu wanda a al'ada yake ɗaukar ni awanni biyu. 07:48.160 --> 07:50.879 Zan gwada hakan cikin mintuna biyar. 07:51.680 --> 07:53.279 Lokaci yana ƙarewa, to. 07:53.279 --> 07:59.160 Don haka, a gefen hagu, za mu iya ganin cewa akwai buƙatar a kafa tsarin biyan kuɗi ba tare da kuɗi ba. 07:59.160 --> 08:03.560 Aikin ya kasance babba ƙwarai wanda ya ɗauki shekaru da dama kafin a kammala shi. 08:03.560 --> 08:07.079 A ƙasar Jamus, aƙalla, za a iya cewa ya cika. 08:07.079 --> 08:09.519 Kuma a nan Ostiriya, watakila har yanzu ba a gidajen dutsen ba. 08:09.519 --> 08:12.079 Amma banda haka, an riga an tanadi ababen more rayuwa. 08:12.079 --> 08:14.879 An kusan yanke hukunci a kai. 08:14.879 --> 08:21.040 A gefen dama, za mu ga cewa tallace-tallace da ƙarfafa sauti suna faruwa ta tallace-tallace cikin dabi'a. 08:21.040 --> 08:28.160 An zuba biliyoyi wajen inganta biyan kuɗi na dijital. 08:28.160 --> 08:34.399 Kuma mutane da yawa a ƙarshe suna shiga wannan tsarin ba tare da sun yi masa tunani sosai ba. 08:34.399 --> 08:40.840 Abin da kuma ɗan baƙin ciki shi ne an aiwatar da kamfen na talla da ke adawa da kuɗi. 08:40.840 --> 08:46.279 Abin takaici, mun lura da wannan a lokacin annobar coronavirus, lokacin da aka sanya alamomi a shaguna: 08:46.279 --> 08:50.519 Saboda dalilai na tsafta, don Allah kada ku biya da kudi na hannu, da sauransu. 08:50.519 --> 08:57.960 Kuma mutane da yawa sun yi imani da hakan, sannan suka shiga tsarin dijital. 08:57.960 --> 09:01.919 Sai mu sami batun: ƙin karɓar kuɗi ta tattalin arziki. 09:01.919 --> 09:04.080 Wannan batu ne mai matuƙar jayayya. 09:04.080 --> 09:09.159 A zahiri, an tanadar da kuɗi a cikin doka a cikin manyan dokoki guda uku masu matuƙar ƙarfi: 09:09.159 --> 09:17.119 A gaskiya, an tanada hakan a cikin Dokar Bundesbank; an kuma tabbatar da shi a cikin Kundin Tsarin ECB da 09:17.119 --> 09:24.960 Yarjejeniyar EU ta yadda yake da hurumin zama kudin doka kuma dole ne a karɓe shi a kasuwanci. 09:24.960 --> 09:31.508 An kaddamar da wannan a shekarar 2010 bisa shawarar Kwamitin – da hujjar 'yancin 09:31.508 --> 09:35.600 kwangila cewa 'yan kasuwa na iya ƙin karɓar kuɗi. 09:35.600 --> 09:40.279 Don haka suke ganin 'yancin yarjejeniya a harkokin kasuwanci da ciniki ya fi muhimmanci. 09:40.279 --> 09:43.399 Wannan ma an tabbatar da shi ta Deutsche Bundesbank. 09:43.399 --> 09:47.480 Mun kuma tattauna wannan a cikin hirar. 09:47.480 --> 09:52.983 Wannan abu ne mai fashewa, mai matuƙar haɗari, domin wannan fassara na nufin cewa yanzu gaskiya 09:52.983 --> 09:56.240 ce cewa ana ba 'yan kasuwa damar ƙin karɓar kuɗi. 09:56.240 --> 10:03.220 Wannan yana nufin cewa mu, a matsayin 'yan ƙasa, ba mu da kuɗi a hannunmu – wato 'yancin zaɓi – sai tattalin arziki yanzu ne 10:03.220 --> 10:07.039 ke yanke shawara ko za a ba mu damar biyan kuɗi da hannu ko a'a. 10:07.039 --> 10:09.000 Wannan gaskiya ce. 10:09.000 --> 10:15.519 Sannan muna da wani bangare, wato gabatar da e-euro. 10:15.519 --> 10:20.720 Ana sa ran e-euro zai shiga mataki na uku a watan Oktoba na wannan shekara. 10:20.720 --> 10:25.440 Akwai ƙa'ida da ake shirin kafa don e-euro, wato wani kudurin doka. 10:25.440 --> 10:33.720 Ana sa ran Majalisar Dokokin Tarayyar Turai za ta yanke shawara kan wannan a watan Oktoba. 10:33.720 --> 10:41.586 Kuma daga nan, watakila a cikin shekara guda, biyu ko uku masu zuwa, za mu sami gasar kai tsaye da 10:41.586 --> 10:46.159 kuɗi a wurin sayarwa, wato a kasuwanci na ƙarshe. 10:46.159 --> 10:48.279 Kuma hakan ne ke haifar da komai, tabbas. 10:48.279 --> 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. 10:57.799 --> 11:01.720 Kuma yanzu ga shi nan – kuma wannan shi ne abu mafi muhimmanci. 11:01.720 --> 11:06.559 – wato, "rabo na biyan kuɗi" kalma ce mai matuƙar muhimmanci. 11:06.559 --> 11:15.679 Deutsche Bundesbank ta kuma ce a wata hira anan cewa suna danganta shi da buƙata. 11:15.679 --> 11:19.360 Kamar yadda na ce, na tambayi Deutsche Bundesbank abin da suke nufi da buƙata. 11:19.360 --> 11:22.480 A cewar ƙididdigata, kashi goma sha biyar cikin ɗari ne. 11:22.480 --> 11:24.840 Ana iya muhawara tsakanin kashi goma zuwa goma sha biyar. 11:24.840 --> 11:29.600 Sa'an nan tsarin kuɗi na riga-da-riga ya fara zama mai tsada sosai. 11:29.600 --> 11:34.000 Sa'an nan ana amfani da abin da ake kira "ka'idar daidaito": 11:34.000 --> 11:42.919 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? 11:42.919 --> 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 11:51.030 --> 11:58.919 shekara, ko kashi 3.8 cikin ɗari gaba ɗaya – amma na ɗaga shi zuwa kashi 4 cikin ɗari – a kowace shekara. 11:58.919 --> 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 12:05.302 --> 12:09.744 hali kamar sauran ƙasashe, kamar Sweden da sauransu, inda biyan kuɗi da takarda zai iya 12:09.744 --> 12:12.399 kasancewa kashi 10 ko 15 cikin ɗari na mu'amaloli. 12:12.399 --> 12:17.160 Sai kuma, abin takaici, kuɗi na hannu ya zama ba shi da amfani saboda dalilan da na taƙaita a 12:17.160 --> 12:20.519 nan, waɗanda a al'ada suke ɗaukar ni sa'o'i biyu. 12:20.519 --> 12:25.703 Abin da nake sha'awar sani shi ne: Ta yaya yanayin gabaɗaya na kwarara zuwa kuɗaɗen 12:25.703 --> 12:28.639 dijital ke shafar halayen biyan kuɗi da hannu? 12:28.639 --> 12:33.786 Masu ba da sabis suna ƙaruwa da yawa waɗanda tuni suke amfani da kuɗin crypto – don haka watakila har yanzu 12:33.786 --> 12:36.480 yana cikin matakin farko, aƙalla a kasuwancin kan layi. 12:36.480 --> 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? 12:42.120 --> 12:44.879 Idan ka fita don siyan pizza, ka biya da crypto. 12:44.879 --> 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? 12:51.080 --> 12:52.279 Gabaɗaya kaɗan. 12:52.279 --> 12:55.919 Don haka idan ana maganar hanyoyin biyan kudi, dole ne ka bambanta kaɗan. 12:55.919 --> 12:57.799 Yana game da zuba jari na kudi: 12:57.799 --> 13:03.519 Don haka idan akwai girgizar farashi mai yawa, ba ya dace da biyan kuɗi. 13:03.519 --> 13:10.679 Mutane ba sa son amfani da wani abu a matsayin biyan kuɗi idan ana tsananin hasashe a kansa. 13:10.679 --> 13:15.720 Don haka ko dai yana game da zuba jari ne ko kuma wata hanyar biyan kudi ce. 13:15.720 --> 13:21.320 Ingantaccen hanyar biyan kudi ba ta da canji-canji, wato ba ta da hauhawar ko faduwar daraja, da sauransu. 13:21.320 --> 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. 13:27.399 --> 13:31.480 e-euro a zahiri babban haɗari ne sosai. 13:31.480 --> 13:36.279 Za a ba e-euro izinin zama kudin doka, da sauransu. 13:36.279 --> 13:39.840 Ban so in bayyana komai yanzu ba, yana da matuƙar rikitarwa. 13:39.840 --> 13:44.840 Wani batu mai matuƙar ban sha'awa. Wani abu da tabbas zai ja hankalin masu kallo da yawa: 13:44.840 --> 13:45.799 Me yasa mutane ke yin hakan? 13:45.799 --> 13:49.440 Me ya sa ake rage kuɗi a zahiri? 13:49.440 --> 13:51.600 Shin tambaya ce kawai ta dacewa? 13:51.600 --> 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 13:57.813 --> 14:01.879 wasu da kuma hana su 'yancin su, misali ta hanyar sarrafa jama'a? 14:01.879 --> 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? 14:06.759 --> 14:11.325 Shi ya sa mutane ke cewa, "Kudi na takarda 'yanci ne da aka buga," kuma, tabbas, kudi na 14:11.325 --> 14:14.120 lantarki ba za a iya samun sa daga waje ba, a ce. 14:14.120 --> 14:16.519 Shin wannan ne dalilin da ke bayan sa? 14:16.519 --> 14:18.399 To, akwai dalilai da dama, tabbas. 14:18.399 --> 14:23.519 Dole ne ka bi bangaren "Cui Bono", wato, wanene ke amfana daga gare shi? 14:23.519 --> 14:26.320 Sannan, tabbas, za ka sami wasu amsoshi. 14:26.320 --> 14:32.559 Ni kaina ban shiga wannan batu cikin zurfi ba saboda a wani ɓangare yana karkatar da hankali daga babban batu. 14:32.559 --> 14:36.840 Abin da nake magana a kai a zahiri shi ne tsarin aiki da gine-ginen da ke bayan 14:36.840 --> 14:39.480 kawar da kuɗi na hannu, bayan wannan zagaye. 14:39.480 --> 14:48.200 Yafi sarkakiya fiye da haka: kana ƙirƙirar yanayi ga kuɗi na hannu wanda kuɗin ba zai iya rayuwa a ciki ba. 14:48.200 --> 14:52.759 Wannan yana nufin cewa a halin yanzu ana kai hari kan kuɗi. 14:52.759 --> 14:56.240 A gefe guda, ana iya ƙin karɓa ta tattalin arziki. 14:56.240 --> 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. 15:05.879 --> 15:09.480 Ina nufin Jamus saboda na san ɗan ƙarin bayani game da ita. 15:09.480 --> 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. 15:14.240 --> 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. 15:22.000 --> 15:27.370 A Düsseldorf, misali, muna da yanayi inda dukkan ofisoshin 'yan ƙasa ba sa karɓar kuɗi – 15:27.370 --> 15:30.759 sai ɗaya kawai, wanda yake a tashar jirgin ƙasa. 15:30.759 --> 15:34.039 Wannan ya fi haɗari sosai saboda ba za ka iya gujewa shi kwata-kwata ba. 15:34.039 --> 15:44.240 Wannan yana nufin cewa ana tilasta wa 'yan ƙasa shiga wannan tsarin ƙara yawa, wanda yake matuƙar haɗari. 15:44.240 --> 15:51.320 Wannan yana nufin cewa, a ƙarshe, muna kuma buƙatar a tilasta wa gwamnati ta sake karɓar kuɗi na hannu. 15:51.320 --> 15:56.080 Ni ma ina tambayar wannan tambayar dangane da taken taron 'Yan ƙasa masu ɗaukar alhaki'. 15:56.080 --> 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 16:00.463 --> 16:02.639 ƙarshe ba biyan kuɗi ne ba tare da sanin wanda ya biya ba. 16:02.639 --> 16:03.600 Eh, tabbas. 16:03.600 --> 16:04.039 Shi ne ma'anar. 16:04.039 --> 16:05.480 Kudi koyaushe biyan kuɗi ne mara sanin mai biya. 16:05.480 --> 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. 16:09.559 --> 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. 16:15.720 --> 16:21.679 Daga inda nake a yanzu zuwa abin da ke faruwa a asusuna, abin da nake yi. 16:21.679 --> 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 16:28.138 --> 16:34.600 bibiyar 'yan ƙasa ta hannun gwamnati a kowane lokaci da kowane wuri, kuma a bayyana su gaba ɗaya. 16:34.600 --> 16:37.440 To, ina so in bar shi a bude a yanzu. 16:37.440 --> 16:42.539 Amma abu ɗaya da zan iya faɗa da tabbaci: al'umma mai 'yanci tabbas tana buƙatar tsarin biyan 16:42.539 --> 16:46.539 kuɗi na 'yanci wanda ba za a iya sa ido a kansa ba. 16:55.399 --> 17:00.596 Kuma duk abin da ya shafi dijital, tabbas ana iya sa ido a kai cikin sauƙi. A gaskiya, 17:00.596 --> 17:04.160 al'umma sai ta fara zama mai tsoro kuma mai biyayya. 17:04.160 --> 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. 17:14.559 --> 17:20.680 A ka'ida, zai yiwu cewa yanzu za a kuma sanya ka ko a nada ka a matsayin "persona non grata". 17:20.680 --> 17:23.539 Ina tsammanin duk muna haka. 17:25.079 --> 17:29.039 A'a, da sa'a ban kai ba tukuna. Dole ne in kasance gaskiya gaba ɗaya game da hakan. 17:29.039 --> 17:37.279 To, ban samu kowace hari ba har zuwa Janairu saboda na yi muhawara kan komai bisa ga hujjoji. 17:37.279 --> 17:43.296 Amma tun bayan zagayen jawabin koyarwa na ƙarshe, abin takaici ya fara, kuma ba bisa gaskiya ba 17:43.296 --> 17:46.400 ne, sai dai ana ƙara wasu abubuwa cikin labarin. 17:46.400 --> 17:49.640 Kuma yana da matuƙar haɗari, abin da nake ganin ɗan abin kunya ne. 17:49.640 --> 17:50.279 Tabbas. 17:50.279 --> 17:53.240 Kuma shi ya sa yake da muhimmanci ka gabatar da komai cikin irin wannan salo na gaskiya. 17:53.240 --> 17:56.400 Wannan kuma yana sa ba za a iya kai maka hari ba, kuma babu wanda zai iya musanta hakan. 17:56.400 --> 18:01.799 Duk wannan bisa ga gaskiya ce, shi ya sa yake da matuƙar muhimmanci ga wannan muhawara. 18:01.799 --> 18:03.480 Don haka, na gode sosai daga gare ni. 18:03.480 --> 18:05.579 Na gode. 18:08.480 --> 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. 18:24.480 --> 18:28.799 Eh, abin da ka faɗa a baya game da kuɗi har yanzu yana sabo a ƙwaƙwalwata. 18:28.799 --> 18:31.599 Wannan shi ne lokacin da lokacin tsakanin darussan biyu ya fi kankanin. 18:31.599 --> 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. 18:37.440 --> 18:41.519 Don haka matsalar ita ce, kamar yadda muka bayyana a baya, ana ƙara matsa lamba kan kuɗi. 18:41.519 --> 18:46.010 Yanzu ga tambaya mafi muhimmanci: me za mu iya yi kowane mutum, me kowannenmu zai iya 18:46.010 --> 18:50.279 yi don hana kuɗi ɓacewa ko ya kasance a baya? 18:50.279 --> 18:57.079 Eh, tambaya gajere, amsa mai tsawo: yana da matuƙar wahala. 18:57.079 --> 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. 19:07.200 --> 19:13.559 Idan za a yi magana a kan haka, kuɗin da gwamnati kaɗai ta fitar shi ne kuɗin takarda! 19:13.559 --> 19:21.839 Kuma jiha tana ƙin karɓar kuɗinta. Wannan da kansa ba shi da ma'ana. 19:21.839 --> 19:29.920 A cikin 'yan shekarun nan, na ji haushi sosai saboda kudi yana faduwa ba tare da tsayawa ba. 19:29.920 --> 19:35.400 Kudi ba sa tsayawa daraja, a cewar kididdiga daga Deutsche Bundesbank. 19:35.400 --> 19:43.281 An wallafa sabbin ƙididdiga a shekarar 2023. Dangane da kaso na biyan kuɗi da hannu a Jamus, har yanzu ana 19:43.281 --> 19:48.640 biyan kashi 51 cikin ɗari na kayayyaki da kuɗi da hannu. 19:48.640 --> 19:51.839 Ana rage shi da kashi huɗu cikin ɗari a kowace shekara. 19:51.839 --> 19:56.640 Wannan yana nufin cewa yanzu, a shekarar 2025, muna kusan kaso 43 cikin ɗari. 19:56.640 --> 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 20:04.300 --> 20:09.039 sauka cikin sauri zuwa kashi 15 cikin ɗari ko ƙasa da haka. 20:09.039 --> 20:11.279 Kuma shi ne dukkan matsalar. 20:11.279 --> 20:17.480 Ni kaina na ji matuƙar takaici cewa babu ko ɗan ƙaramin niyyar siyasa na kare kuɗi ta doka. 20:17.480 --> 20:20.559 Kudi tabbas suna buƙatar kariyar doka! 20:20.559 --> 20:27.160 Kuma ɗaya daga cikin matakan kariya na doka shi ne cewa za mu sake samun 'yancin zaɓar biyan kuɗi da hannu. 20:27.160 --> 20:32.279 Cewa a ƙarshe zai koma hannun 'yan ƙasa. 20:32.279 --> 20:40.039 Don cimma wannan, a zahiri muna buƙatar manufofin "karɓa tilas" a harkokin kasuwanci da kuma tsakanin hukumomin gwamnati. 20:40.039 --> 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. 20:49.640 --> 20:53.940 Don haka muna buƙatar 'yancin zaɓi sake, kuma ina ganin hakan yana da muhimmanci. 21:00.279 --> 21:05.440 Har yanzu babu niyyar siyasa a yau. 21:05.440 --> 21:13.160 Amma wata dama ta musamman ta bayyana don sanya kuɗi cikin doka. 21:13.160 --> 21:21.880 Ba saboda ana so a siyasa ba, amma saboda masu iko da 'yan siyasa suna so wani abu daban. 21:21.880 --> 21:23.960 Suna so e-euro, 21:23.960 --> 21:24.279 tilas 21:24.279 --> 21:28.960 Suna aiwatar da shi – haka yake a halin yanzu. 21:28.960 --> 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. 21:39.599 --> 21:47.412 Wannan yana nufin cewa an tilasta musu fitar da ƙa'ida ta wucin gadi kan kuɗi a rana ɗaya. Wannan 21:47.412 --> 21:51.480 saboda kuɗi ne kawai ke zama halal a halin yanzu. 21:51.480 --> 21:55.857 Don haka a takaice hakan na nufin cewa, a wani abin mamaki, gabatar da e-euro a farko zai kare kuma 21:55.857 --> 21:59.319 ya tabbatar da kuɗi na hannu, a wani irin magana ce? 21:59.319 --> 22:00.801 A'a, ba kwata-kwata. 22:00.801 --> 22:06.647 Don haka a al'ada zai yi kyau. Muna iya ganinsa a nan yanzu. 22:06.647 --> 22:14.920 A cewar ƙudirin ƙa'ida, za a karɓi e-euro a matsayin kuɗin halal a shaguna – aƙalla a cewar ƙudirin yarjejeniya. 22:14.920 --> 22:18.440 Eh, amma saboda ka ce an tilasta musu su haɗa abin nan na gaba a cikin ƙa'ida ma. 22:18.440 --> 22:20.799 Don haka dukkansu an tabbatar da su a cikin ƙa'ida, ko? 22:20.799 --> 22:22.713 A'a, akwai ƙa'idoji guda biyu da aka gabatar. 22:22.713 --> 22:29.834 Akwai ƙa'idodi guda biyu da aka gabatar – ɗaya don e-euro, ɗaya don kuɗi. 22:29.834 --> 22:32.440 Wannan muhimmin batu ne sosai. 22:32.440 --> 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. 22:39.440 --> 22:41.480 Aƙalla haka ake cewa. 22:41.480 --> 22:44.542 Wannan a zahiri ba shi da ma'ana. 22:44.542 --> 22:50.533 Wannan yana nufin cewa a nan gaba za mu sami nau'ikan kuɗaɗen doka guda biyu daban – e-euro da kuma 22:50.533 --> 22:54.318 ɗaya da ba shi da fifiko sosai, wato kuɗi na hannu. 22:54.318 --> 22:58.444 Kuma komai, kamar kullum bayan rushewar kuɗi na hannu, yana faruwa ne ta bazata. 22:58.444 --> 23:04.230 Kwamitin Tarayyar Turai cike yake da lauyoyi, masana tattalin arziki da masu gudanar da kasuwanci. 23:04.230 --> 23:11.559 Kuma sun yi kuskure, wato: kuɗi – babu wajibcin karɓar sa a shaguna. 23:11.559 --> 23:14.006 To, abin mamaki ne sosai, ina ganin. 23:14.006 --> 23:21.781 Amma yanzu muna da dama, wato mu ɗauki mataki. 23:21.781 --> 23:25.994 Za a rufe ƙofar sake a cikin watanni masu zuwa. 23:25.994 --> 23:33.185 Za a kuma daidaita wannan kuɗi da e-euro, kuma zai zama wajibi ga 'yan kasuwa su karɓe shi. 23:33.185 --> 23:36.960 Wannan yana da matuƙar muhimmanci, matuƙar muhimmanci. 23:36.960 --> 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. 23:43.453 --> 23:47.841 Don haka na kafa wata roƙo don wannan manufa. 23:47.841 --> 23:56.640 Wannan wata petisiyon ce a www.bargelderhalt.eu, inda a halin yanzu muke da sa hannun mutane 126,000. 23:56.640 --> 23:59.039 Matsalar ita ce, ba ta isa ba. 23:59.039 --> 24:04.811 Dole ne mu tabbatar cewa yana wakiltar al'umma. 24:04.811 --> 24:09.958 Don haka kawai ina roƙon ku – kuma wannan ma kira ce ta neman taimako a yau – ku sanya hannu kan 24:09.958 --> 24:12.609 wannan roƙon, ku watsa shi ga wasu, da sauransu. 24:12.609 --> 24:23.085 Lokacin da muka ƙaddamar da bukatar, mun aika labarin jarida zuwa jaridu 350. Kuma mun samu amsoshi uku kawai. 24:23.085 --> 24:27.713 Kuma amsar ita ce: Da fatan ba za ku sake rubuto mana ba a nan gaba. 24:27.713 --> 24:30.440 Wannan, tabbas, alama ce cewa abubuwa sun yi matukar muni. 24:30.440 --> 24:35.158 Kuma duk da haka mun karɓi kuri'u 126,000 zuwa yanzu. 24:35.158 --> 24:38.537 Amma muna buƙatar aƙalla 300,000. 24:38.537 --> 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. 24:45.137 --> 24:49.538 A ka'ida, kowa na iya sanya hannu kan wannan bukatar, ba tare da la'akari ko ɗan ƙasar Ostiriya bane – 24:49.538 --> 24:52.289 'yan ƙasar Switzerland ma za su iya yin hakan a ka'ida. 24:52.289 --> 24:55.443 Dole ne mu kada kuri'a mu goyi bayan wannan bukatar. 24:55.443 --> 25:02.135 Kuma ga buƙatar a karɓi kuɗi a matsayin hanyar biyan kuɗi a shaguna, kuma, tabbas, daga hukumomin gwamnati. 25:02.135 --> 25:04.430 Wannan a takaice buƙata ce da mafita. 25:04.430 --> 25:07.839 Matsalar ita ce, za a yanke shawara a wannan shekara! 25:07.839 --> 25:11.152 Wannan yana nufin muna da lokaci kaɗan ƙwarai. 25:11.152 --> 25:15.949 Wannan a zahiri yana haifar da tambaya: har zuwa wane mataki ne Majalisar Dokokin Turai a zahiri ta kunshi 'yan 25:15.949 --> 25:20.780 majalisa masu ɗaukar alhaki waɗanda kansu ke yanke shawara kan abin da suke tunani da abin da suke so? 25:20.780 --> 25:22.800 Da yawa kuma ba su da kwarewar fasaha da ake bukata. 25:22.800 --> 25:26.511 Mun san cewa a wasu lokuta ana amince da shawarwarin ƙungiyar majalisa ne kawai ba tare da wata tambaya ba. 25:26.511 --> 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. 25:32.359 --> 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. 25:38.079 --> 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 25:46.211 --> 25:54.619 bukata don samun babban ci gaba na gaske – wanda zai kai ga muhimmin motsi a Majalisar Dokoki? 25:54.619 --> 25:56.347 Majalisar dokoki guda ɗaya ce. 25:56.347 --> 26:02.681 Ana tattauna dokar da aka gabatar a halin yanzu a Kwamitin ECON na Majalisar Turai, kuma a 26:02.681 --> 26:06.196 wannan mataki har yanzu ana iya yin canje-canje. 26:06.196 --> 26:09.562 Wannan yana nufin cewa mataki na farko shi ne ƙara matsin lamba kan Kwamitin ECON. 26:09.562 --> 26:11.599 Ina yin abubuwa da yawa don cimma wannan. 26:11.599 --> 26:17.703 Wataƙila kawai don bayaninka: godiya ga ɓangare na buƙatar kuɗi, mun haɓaka al'umma wadda 26:17.703 --> 26:20.720 a halin yanzu ke da jimillar mambobi 65,000. 26:20.720 --> 26:27.931 Wannan yana nufin muna ƙoƙarin kafa wata ƙungiya don tara kuɗi, domin mu aiwatar da ayyuka tare. 26:27.931 --> 26:30.799 Kuma muna yin wasu ayyukan halartar jama'a. 26:30.799 --> 26:37.839 A halin yanzu muna ƙoƙarin kawo Kwamitin ECON kusa da muradin mutane ta hanyar shirya manyan kamfen na rubuta wasiƙu. 26:37.839 --> 26:44.158 Mutane 1,300 sun halarci yakin rubuta wasiƙa na ƙarshe. Kuma, tabbas, ana aika wasiƙun da suka dace. 26:44.158 --> 26:47.015 Wannan yana nufin cewa dole ne mu fara matsa wa Kwamitin ECON lamba. 26:47.015 --> 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. 26:52.352 --> 26:54.759 Don haka, wani batu ne mai matuƙar muhimmanci. 26:54.759 --> 27:01.200 Dole ne a tabbatar da kuɗi a doka – wato, a karɓe shi a shaguna da hukumomin gwamnati. 27:01.200 --> 27:05.561 Ina tambaya ne kawai saboda, kamar yadda na fada, 146,000 – idan ka ce wannan a gaskiya ya 27:05.561 --> 27:07.521 bazu a Turai baki ɗaya – ba yawa ba ne sosai. 27:07.521 --> 27:09.000 Wannan yana nufin dole ne ya kasance da yawa sosai. 27:09.000 --> 27:15.319 Don haka tambayar ita ce, me za ka ce: menene burin a nan domin a samu maki da gaske? 27:15.319 --> 27:19.519 To, ina ganin ya kamata mu kai alamar miliyan ɗaya. 27:19.519 --> 27:22.200 Ina nuni sosai da ƙasar Jamus a halin yanzu. 27:22.200 --> 27:25.939 A halin yanzu, hakan ba ya bayyana sosai. 27:25.939 --> 27:27.559 Kuma a miliyan ɗaya, muna fara jin matsin lamba. 27:27.559 --> 27:31.524 Wannan ba tunanin mafarki ba ne; dole ne mu yi wani abu. 27:31.524 --> 27:40.285 Na kasance a kan zagayen gabatar da lacca kuma na yi ƙoƙarin kafa hulɗa mafi kusa da masu yada saƙo. 27:40.285 --> 27:44.592 Wannan yana nufin cewa tun daga yau, na kawo ƙarshen zagayen gabatar da lacca na. 27:44.592 --> 27:51.049 A cikin watanni biyu masu zuwa, zan mai da hankali sosai kan tashoshin YouTube da ke gayyatar ni zuwa 27:51.049 --> 27:58.077 hirarraki domin wayar da kan mutane game da wannan bukatar – domin mu sami damar kaiwa ga miliyan ɗaya. 27:58.077 --> 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 28:07.135 --> 28:11.349 domin in gabatar da wannan buƙata – kuma domin ta samu ganuwa. 28:11.349 --> 28:15.556 Sa'an nan zai iya kaiwa ga alamar miliyan cikin sauƙi. 28:15.556 --> 28:17.400 Ina buƙatar taimakon kowa da kowa game da wannan. 28:17.400 --> 28:21.599 Wannan ma shi ne ɗaya daga cikin manyan dalilan da yasa nake tsaye a nan a yau. 28:21.599 --> 28:23.940 Na gode ƙwarai da gaske da hakan. 28:29.429 --> 28:31.720 Kuma ka ambace shi a taƙaice a baya a cikin bayanin matsalar. 28:31.720 --> 28:36.165 – Tabbas, tambayar ita ce: kati a gefe ɗaya, kuɗi a gefe guda? 28:36.165 --> 28:38.119 A ka'ida, yana kama da wani irin hukuncin zaɓe. 28:38.119 --> 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? 28:43.440 --> 28:47.410 Don haka taken yau shi ne "Ɗan ƙasa mai ɗaukar alhaki". 28:47.410 --> 28:51.451 Wannan yana nufin cewa, domin 'yan ƙasa su kasance masu ɗaukar alhaki, da farko muna 28:51.451 --> 28:54.079 buƙatar 'yancin zaɓi da sanin abin da muke haifarwa. 28:54.079 --> 29:01.421 Mun san cewa bankunan tsakiya suna haɗa makomar kuɗi da buƙata. 29:01.421 --> 29:07.225 Daga wannan hangen nesa, hakika muna da dimokuradiyya kai tsaye game da kuɗi a halin 29:07.225 --> 29:11.962 yanzu – saboda akwai takardar zaɓe don riƙe kuɗi. 29:11.962 --> 29:17.590 Kuma takardar kuri'a tana kama da haka, misali. 29:17.590 --> 29:24.906 Wannan yana nufin cewa ba mu kada kuri'a duk bayan shekaru huɗu ba, kamar zaɓukan tarayya da sauransu, sai dai: 29:24.906 --> 29:29.920 Muna zaɓar kuɗi a kowace rana tare da kowace sayayya da muke yi! 29:29.920 --> 29:35.593 Wato, abin da ake nufi shi ne mu gane, a matsayin 'yan ƙasa masu ɗaukar alhaki, cewa dole ne mu 29:35.593 --> 29:38.559 ci gaba da ƙara buƙatar kuɗi har yadda zai yiwu. 29:38.559 --> 29:41.812 Wannan shi ne abin da ya fi muhimmanci, wato sanin wannan gaskiya. 29:41.812 --> 29:49.482 Don haka, hakan na nufin cewa idan muka sake fita siyayya a gaba, za mu mika takardar kuri'armu don riƙe 29:49.482 --> 29:54.880 kuɗi – amma akwai kuma takardar kuri'a don kawar da kuɗi. 29:54.880 --> 30:00.626 Kuma kana da zaɓi ka ce: To, zan biya da kati ko ta wayar hannu. 30:00.626 --> 30:05.599 Kuma da faɗin haka, ba ka faɗi komai ba sai: Ina goyon bayan kawar da kuɗi na hannu. 30:05.599 --> 30:07.440 Wannan shine ainihin sa. 30:07.440 --> 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. 30:16.312 --> 30:20.126 Eh, kuma ina so in ga 'yan ƙasa masu ɗaukar alhaki waɗanda suke tunani a kan wannan: 30:20.126 --> 30:26.839 Abin da nake haddasawa da wannan takardar zabe, da abin da nake haddasawa da wannan takardar zabe. 30:26.839 --> 30:29.532 Wannan shi ne dalili guda kawai – ina so 'yan ƙasa su kasance masu iya yanke shawara da kansu. 30:29.532 --> 30:33.839 Kuma yana da muhimmanci ga 'yan ƙasa masu ɗaukar alhaki su kasance masu matuƙar sanin sosai game da wannan batu. 30:43.432 --> 30:45.999 Ana tambaya a halin yanzu nawa lokaci za a ci gaba da karɓar petishan. 30:45.999 --> 30:52.086 Zai ci gaba har Majalisar Dokoki ta Turai ta kada kuri'a a kansa. 30:52.086 --> 30:57.516 Zan ce zai ci gaba har zuwa Oktoba 2025 a mafi tsawo. 30:57.516 --> 30:59.254 Dole ne mu gani ko zai zo kafin hakan. 30:59.254 --> 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. 31:08.319 --> 31:09.720 Eh, na gode ƙwarai da ƙwarai da kimantawarka. 31:09.720 --> 31:15.073 Kuma shi ya sa abubuwan irin wannan da Erwin Rigo ya shirya suke da matuƙar muhimmanci, domin mu 31:15.073 --> 31:17.830 wayar da kan jama'a game da waɗannan matsaloli. 31:17.830 --> 31:20.984 Saboda mutane da yawa suna yin hakan, tabbas adadi mai yawa a nan cikin wannan ɗaki, amma mutane da yawa a 31:20.984 --> 31:22.992 cikin jama'a gabaɗaya ba sa yin hakan. Eh, abin takaici. 31:22.992 --> 31:25.032 Eh, kuma ina so in ƙara wani abu a kan hakan. 31:25.032 --> 31:29.119 Za ka iya sanya hannu da kanka a www.bargelderhalt.eu. 31:29.119 --> 31:35.279 Kuma idan ka yi alama a cikin akwatin nan, za ka zama ɓangare na al'umma ta atomatik. 31:35.279 --> 31:40.367 Yana nuna ko kuna son a sanar da ku game da ci gaban ƙarin petishan. 31:40.367 --> 31:42.594 sannan ka zama ɓangare na al'umma. 31:42.594 --> 31:44.568 Al'umma tana da matuƙar muhimmanci. 31:44.568 --> 31:51.013 Domin ko da muka yi nasara da buƙatar, zai dakatar da faduwar kuɗi kawai. 31:51.013 --> 31:55.466 Amma matakan talla na masana'antar kudi sun wuce haka. 31:55.466 --> 32:02.121 Wannan yana nufin dole ne mu shirya kanmu; dole ne mu ƙirƙiri matsin lamba don samun kuɗi, don 'yancinmu. 32:02.121 --> 32:04.688 Maganganun kammala da taƙaitaccen bayanin sun yi kyau sosai. 32:04.688 --> 32:08.160 Sa'a da hakan, kuma ku ci gaba da kyakkyawan aiki kan wannan batu. 32:08.160 --> 32:10.099 Na gode. 32:23.173 --> 32:27.060 Don amsa tambayoyin da ba a amsa ba a cikin hirar: Me ya sa kake yin hakan? 32:27.060 --> 32:29.580 Me ya sa ake rage kuɗi a zahiri? 32:29.580 --> 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 32:42.839 --> 32:47.288 Rushewar kudi ta hanyar bin iko ba tare da kulawa ba 32:47.288 --> 32:57.271 Gwamnatin Amurka na ɗaya daga cikin manyan ƙarfafan da ke da alhakin saurin kawar da kuɗin hannu a duniya baki ɗaya. 33:06.361 --> 33:12.309 Tun daga lokacin, an yi amfani da wannan don tallata rushewar kuɗi na hannu a duniya baki ɗaya cikin babban ƙarfi. 33:12.309 --> 33:17.676 Dalilin wannan sadaukarwa daga Amurka shi ne cewa kamfanonin Amurka ne ke mamaye mu'amalolin 33:17.676 --> 33:21.399 biyan kuɗi ba tare da kuɗi ba a duniya baki ɗaya. 33:21.399 --> 33:29.484 Wannan a kaikaice yana ba gwamnatin Amurka damar sa ido kan mu'amalolin kuɗi na ƙasashe daban-daban, bankuna, kamfanoni 33:29.484 --> 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. 33:37.703 --> 33:38.058 Da taimakon Hukumar Ci gaban Duniya ta Amurka (USAID), an kafa Better than Cash Alliance a shekarar 2012. 33:38.058 --> 33:45.977 Wannan yana wakiltar babban abin ƙarfi, wanda yanzu mai yiwuwa zai kasance kusan daidai da rinjayen soja na Amurka. 33:45.977 --> 33:52.715 Raguwar amfani da kuɗi na takarda tana ƙara ƙarfin Amurka ta atomatik. 33:52.715 --> 34:00.546 Yanzu za mu duba hanyar da waɗannan masana dabarun kuɗi suka bi don faɗaɗa iko ta hannun manyan masu ba da 34:00.546 --> 34:09.477 sabis na biyan kuɗi ko tsarin bankin duniya, ta amfani da wasu misalai daga ko'ina cikin duniya: 34:09.477 --> 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. 34:18.401 --> 34:24.999 Da kasafin kuɗi har zuwa dala Amurka 500,000, mashaya, kafuna da gidajen cin abinci a Amurka 34:24.999 --> 34:30.001 za su samu tallafi idan suka daina karɓar kuɗi. 34:30.001 --> 34:40.487 Bugu da ƙari, VISA ta yi ƙoƙarin rinjayar gwamnatin Bulgaria don rage iyakar kuɗi a matakai biyu zuwa kusan €500. 34:40.487 --> 34:46.377 Kididdiga daga Amurka sun tabbatar da cewa an sanya muradun tattalin arziki na zahiri a cikin haɗari a nan. 34:46.377 --> 34:53.990 A shekarar 2018, biyan kuɗi da katin bashi kaɗai ya haifar da kuɗaɗen kashewa na dala biliyan 90 a can. 34:53.990 --> 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. 35:01.935 --> 35:07.006 Amma waɗannan ba su ne kaɗai sakamakon ƙaruwa wajen maye gurbin kuɗin takarda ba. 35:07.006 --> 35:13.737 Matsanancin ci gaban da aka samu a Girka yana ba da ra'ayi game da sakamakon kawar da kuɗi na hannu. 35:13.737 --> 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 35:19.144 --> 35:24.829 kai tsaye ba, kuma ana tilasta wa kamfanoni su shiga kwangiloli da kamfanoni irin su VISA. 35:24.829 --> 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. 35:33.211 --> 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: 35:42.441 --> 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 35:49.557 --> 35:54.295 samun iko kan albarkatun kuɗi, har zuwa dukiyar kashin kai. 35:54.295 --> 35:59.786 Domin motsa tattalin arziki, ECB ta dade tana rage manyan ƙimar ruwa. 35:59.786 --> 36:05.786 Tunda ƙimar riba mai minus a asusun ajiya ke nufin kwace dukiya a hankali, masu zuba jari na iya 36:05.786 --> 36:10.025 kare kansu daga asarar daraja ta hanyar cire kuɗinsu. 36:10.025 --> 36:17.900 Duk da haka, wannan ikon yanke shawara kan dukiyoyin mutum yana takaita damar tasirin ECB. 36:17.900 --> 36:25.103 Takardar bincike ta IMF kan aiwatar da tsarin ribar ruwa mara kyau yanzu ta ba da shawarar kakaba cajin musayar 36:25.103 --> 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. 36:33.197 --> 36:45.260 Da ƙimar riba mai minus, misali -5%, za ka karɓi €95 a hannu idan ka cire €100 daga ATM. 36:45.260 --> 36:53.357 Sakamakon haka zai kasance cewa jan hankalin kudi a matsayin hanyar ajiya da kuma hanyar biyan kuɗi zai ragu 36:53.357 --> 36:59.437 sosai, yana shimfiɗa hanya ga kawar da kudi gaba ɗaya. 36:59.437 --> 37:06.601 Farishen Hans-Werner Sinn, tsohon shugaban Cibiyar ifo kuma kwararren masanin tattalin arziki, ya yi tsokaci: 37:06.601 --> 37:12.777 Idan ECB na son kawar da kuɗin euro na hannu, dole ne Jamus ta sake gabatar da DM. 37:12.777 --> 37:17.303 Kudi na hannu muhimmin ɓangare ne na 'yanci. 37:17.303 --> 37:21.596 Kudi na nufin 'yancin zaɓi. 37:21.596 --> 37:28.164 Saboda haka, ga mutumin da aka hana shi gaba ɗaya, yana da daraja sau goma. 37:28.164 --> 37:32.641 Fyodor M. Dostoevsky, marubucin Rasha. 37:39.783 --> 37:46.720 Masu kallo, ƙarin rahotanni game da wannan lamari a Dornbirn sun riga sun samu don kallo a HOCH2.TV. 37:46.720 --> 37:49.179 Za ku sami hanyoyin haɗi a ƙasan wannan shirin. 37:49.179 --> 37:53.613 Muna so mu yi amfani da wannan dama mu gode wa HOCH2.TV saboda kyakkyawar haɗin gwiwarsu.