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Ɗaya daga cikin matsalolin da ke shafar
ƙasashe da dama a halin yanzu shi ne makomar kuɗi.

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Yana fuskantar haɗarin maye gurbinsa
da euro na dijital nan ba da jimawa ba.

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Bari mu duba yadda wannan ya ci gaba:

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● A watan Oktoba na 2021, an kaddamar da aikin "Digital Euro"
tare da matakin bincike na tsawon shekaru biyu da Eurosystem.

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● A watan Yuni na 2023, an gabatar da ra'ayi na farko game da
ƙirar euro na dijital, mai taken "Single Currency Package".

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● A ranar 1 ga Nuwamba 2025,
Eurosystem ta shiga mataki na gaba na aikin.

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Manufar ita ce shirya Eurosystem don
yiwuwar fitar da euro na dijital a shekarar 2029.

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Ci gaban dabarun kudi na Eurosystem a halin yanzu yana ba da
dama ta musamman kuma mai alkawari don sanya kudi a cikin doka.

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Wannan shi ne kawai hanyar
tabbatar da kiyayewar sa na dogon lokaci.

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Ɗaya daga cikin hujjojin wannan shi ne dole ne a ɗauki wajibcin
karɓar ba kawai euro na dijital ba, har ma da kuɗi na hannu.

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00:01:15,640 --> 00:01:21,793
Obligasyon na karɓa na nufin cewa masu karɓar
biyan kuɗi dole ne su karɓi takardun kuɗi na

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euro da tsabar kuɗi na euro a matsayin kuɗin doka.

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Kudi na hannu ya kasance hanyar biyan kuɗi da aka gwada
tsawon ƙarni, kuma ya kamata ya ci gaba da kasancewa a gare mu.

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Shin kun san cewa duk da sakamakon wannan
tattaunawar, ya rataya ne a kan kowane mutum ya ajiye kuɗi?

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Kiyaye kuɗi na hannu ya dogara sosai da yadda ake ci gaba
da amfani da shi – kuma hakan ya ta'allaka ne ga al'umma.

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Amma wa daga cikinmu ne ya san gaskiya?

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Shekaru da dama, mutane da yawa sun
mika wuya ga sauƙi ba tare da tunani ba.

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Yanzu (!) shine matakin da ya fi muhimmanci don samun kudi!

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Wannan yana buƙatar ayyuka biyu daga jama'a:

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1. Sanya hannu kan takardun roƙo da aka gabatar a yau don
adana kuɗi, domin a ci gaba da kasancewa da wajibcin karɓarsa.

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2. Biya da kuɗi kai tsaye kuma ka bar katin bankinka a gida.

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Ba daidai ba ne ga tattalin arziki ya
tilasta biyan kuɗi ta dijital ga mutane, ta haka

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yana tallafawa burin 'yan siyasa na samun iko.

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A cikin bidiyon da ke gaba, Hansjörg Stützle, wanda ya kafa
shirin Bargelderhalt, ya bayyana yadda ake maye gurbin kuɗi

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na hannu da kuma ikon da kowannenmu ke da shi don hana hakan.

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Mu yi amfani da su tare!

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"Ina so kawai in ƙara cewa wannan euro na dijital ba zai
maye gurbin kuɗi na hannu ba, tabbas, amma zai cika shi."

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Shin manufofi suna bin wannan jagora?

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Shin e-euro zai cika kuɗin hannu ko ya maye gurbinsa?

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Yanzu muna da wata dama ta musamman don
sanya kuɗi a cikin doka a duk faɗin Turai.

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Sunana Hansjörg Stützle.

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Ni ne wanda ya ƙaddamar da petishin kuɗi bargelderhalt.eu,
wanda mutane sama da 200,000 suka riga suka sanya hannu a kai.

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Bari mu fara duba gaskiya.

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Kwamitin Tarayyar Turai ya gabatar da shawarwari guda biyu
na ƙa'idoji: ɗaya don e-euro, ɗaya kuma don kuɗi na hannu.

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Matsalar: e-euro, misali, ya kamata a karɓa
a fili a wuraren biyan kuɗi na shaguna,

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yayin da ba a kamata a karɓi kuɗi na hannu ba.

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Wannan yana nufin cewa shaguna za su iya ci
gaba da ƙin karɓar kuɗi, amma ba e-euro ba.

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Ba lallai ne ka zama annabi ba don ganin
cewa, bisa wannan hujja, za a maye gurbin kuɗi

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kuma ba shi da damar tsira na dogon lokaci.

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Abin sa'a, waɗannan ƙa'idoji guda biyu da aka gabatar
ba a amince da su ba tukuna, don haka za a iya gyara su.

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Waɗannan a halin yanzu suna gaban Kwamitin
Harkokin Tattalin Arziki da Kuɗi na Majalisar

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Dokoki ta Turai, wanda ake kira Kwamitin ECON.

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Idan na ji bayanan da wasu 'yan siyasa a
wannan kwamitin ke yi, sai in ji damuwa da tsoro.

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A halin yanzu, makomar kudinmu tana
hannun ƙungiyar 'yan siyasa kaɗan.

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Mista Repasi, memba na Majalisar Dokokin Turai kuma
memba na Kwamitin ECON, ya saki bidiyo wanda, da

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kyakkyawar niyya a duniya, ba za a iya watsi da shi ba.

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Kamar yadda Mista Repasi ya ce tun a farkon bidiyon: "Da
farko, labari mai daɗi. Babu wanda ke son kawar da kuɗi."

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Eh, wanene babu kowa?

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"Muna damuwa game da kuɗi."

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Ina ganin ya kamata a rushe shi.

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Duniya tana da fasaha mai ƙarfi sosai.

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Kuma ina ganin gwamnatoci za su yi sha'awar wannan.

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"Amma kuɗi na hannu har yanzu shine babban matsala."

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A gefe guda, kullum ina gaya wa waɗanda suke
tambayata yadda za a dakatar da safarar miyagun ƙwayoyi a

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unguwanninmu cewa akwai mataki mai sauƙi (don haka):

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Cire kuɗi zai hana bayyana wuraren cinikin miyagun ƙwayoyi.

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"Muna son al'umma mara kuɗi."

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Sarrafa ceki da kuɗi a kamfaninmu
yana kashe mana dala biliyan biyar.

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Kana so al'umma mara kuɗi?

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Muna ƙoƙarin ... Muna da abin samu fiye da kowa.

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"Manufata ita ce mu bar takardun kudi na
gargajiya – kudi – mu koma asusun dijital."

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Ina so al'ummarmu ta zama al'umma mara kuɗi na hannu.

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"A Italiya, ana tattaunawa kan ko iyakar kuɗi ta
kashe ya kamata a saita a dubu ɗaya ko dubu uku."

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A ra'ayina, ya kamata ya zama sifili.

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"Dole ne mu wuce amfani da kuɗi na hannu."

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Dole ne mu matsa zuwa ga al'umma mara kuɗi!

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Idan muna son mu wuce biyan kuɗi da hannu, dole ne, don Allah, mu
inganta mu'amaloli ta wayar salula da katin

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bashi, mu kuma haɓaka tsarin kasuwanci da ya dogara
ga masu samar da sabis na biyan kuɗi na dijital!

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Wadannan bayanai suna nuna matsin lamba da kudi ke fuskanta.

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Game da haka, Mista Repasi, me kake nufi da kawar da
kuɗi idan ba za ka iya biyan kuɗi da takarda a shaguna ba?

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A ƙasar Netherlands, misali, 21% na kantunan
magani da 38% na sinima ba sa karɓar kuɗi.

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Shin ka rasa hakan, Mista Repasi?

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Kana da matsayi na malami a Rotterdam, birni
inda sufuri na jama'a ba ya karɓar kuɗi a hannu.

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Kuma me ya sa kake tunanin cewa babu wanda ke son kawar da kuɗi?

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Yanzu haka tuni ya fara gudanarwa sosai.

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Ko ba haka yake kamar kawar da kuɗi ba idan ba za ka iya
biyan kwamfutar tafi-da-gidanka mai farashin fam 500 da kuɗi ba?

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Wannan shi ne ainihin halin da muka sha
fama da shi a Girka na tsawon lokaci.

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Wannan saboda akwai iyakar kuɗi na euro 500.

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Bugu da ƙari, kalmar "cash limit"
ma tana rage muhimmancin gaskiya.

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Daga karshe, iyakar kuɗi tuni ta zama haramcin kuɗi.

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Wannan yana nufin cewa doka ta haramta kuma ta tanadi
hukunci ga duk wanda ya biya kayayyaki, kayan

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kasuwanci da ayyuka fiye da wannan adadin da kuɗi a hannu.

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Duniya mara kuɗi na matsowa a kanmu, mataki bayan mataki.

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Za a iya ganin wannan a sarari sosai a cikin iyakokin kuɗi.

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Da zarar an kafa iyakar kuɗi, yawanci
ana rage ta kuma ba a taba ƙara ta ba.

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Wannan ya riga ya kasance a ƙasashe tara na Tarayyar Turai.

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Na ambaci Belgium, Girka da Denmark a matsayin misalai na wannan.

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Amma a gaskiya, halin da ake ciki da kuɗi ya fi muni sosai.

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A ƙarshe, ana haɗa kuɗi da buƙata.

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Don haka, ko mutane suna amfani da kudi.

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Na samu damar tambayar Mista Hardt, Shugaban Sashen
Kudi na Deutsche Bundesbank, tambaya mafi muhimmanci

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yayin wata tattaunawa a gidan talabijin na gwamnati SWR.

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Ka gani da kanka yadda ya amsa tambayata:

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"Wataƙila ya kamata ku kuma fayyace menene buƙata?"

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Ya kamata kaso na biyan kuɗi ya kai nawa?

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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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Don haka, a nan Jamus, yanzu akwai
'yan kasuwa da ke ƙin karɓar kuɗi.

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Kuma mun sani cewa, bisa wannan hujja, kuɗin hannu ba zai iya
tsira na dogon lokaci ba, domin tattalin

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arziki ne ke yanke shawara ko mu, a matsayin 'yan
ƙasa, muna da zaɓin biyan kuɗi da kuɗin hannu.

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"Amma muna magana ne kawai game da Bundesbank."

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Zan ba Mista Hardt wata dama don amsa tambayar.

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Tambayar asali ita ce: shin da gaske za ka so
Deutsche Bundesbank ta ci gaba da buga kudi idan kai

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ne mutumin ƙarshe a Jamus da ke son kuɗi na hannu?

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To, a ina wannan iyaka take?

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"Ina ganin tambayar ba ko Deutsche
Bundesbank na buga takardun kudi ba."

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Tambayar ita ce, idan amfani da kudi ya ragu sosai –
bayan duk, akwai ababen more rayuwa a bayan amfani da kudi.

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Kuma tambayar ita ce: shin zai yi ma'ana a ci gaba
da kula da su idan amfani da kudi ya yi ƙasa haka?

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Don haka idan kai ne mutumin ƙarshe da
ya biya da kuɗi, tabbas za a yi tambaya:

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Wane ne har yanzu ke gudanar da na'urar ATM a gare ku
kuma waɗanne 'yan kasuwa ne har yanzu ke karɓar kuɗi?

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Don haka, yanzu mun buga ƙugiya a kai:

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Makomar kuɗi a ƙarshe tana dogara ne akan buƙata.

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Don haka, lokacin da mutane kusan ba sa biyan kuɗi da takarda
ko na dijital, saboda ba za su iya biyan kuɗi da takarda ko

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na dijital ba, misali, ababen more rayuwa sun yi tsada sosai.

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Sai 'yan siyasa su ce wannan bai dace ba kuma
al'umma ba za ta iya ɗaukar waɗannan kuɗaɗen ba.

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Bugu da ƙari, shugaban Sashen Tsakiyar Kuɗi na
Deutsche Bundesbank, Mista Hardt, bai yi tsokaci

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kan lokacin da wannan mahimmin lokaci zai faru ba.

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Saboda haka, kimantawa ta ta haka take:

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Idan kaso na biyan kuɗi da hannu ya sauka ƙasa da
kashi 15 cikin ɗari, ko ƙasa da kashi 10 cikin ɗari a

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ƙarshe, wannan hujjar daidaito za ta ƙara fitowa fili.

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Ba kawai Deutsche Bundesbank ba, har ma Babban Bankin
Tarayyar Turai (ECB) ya bayyana a sarari a cikin sanarwarsa:

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Eurosystem zai ci gaba da samar da takardun kudi da
kuma ba da damar amfani da su har sai buƙata ta wanzu.

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Amma me Mista Repasi ya ce kuma?

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Da farko, labari mai daɗi: babu wanda ke son kawar da kuɗi.

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Shin babu wanda gaske yake son kawar da kuɗi?

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Gaskiyar ita ce ana riga ana maye gurbin kuɗi.

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Saboda yana da sauƙi sosai ga masu
sayar da kaya su ƙi karɓar kuɗi.

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00:11:06,600 --> 00:11:09,440
Mista Repasi ya bayyana halin da ake ciki:

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00:11:09,440 --> 00:11:18,677
Babu wanda ke son kawar da kuɗi. Amma a rayuwar yau da kullum,
an kafa wata al'ada inda shaguna ke sanya alamar 'Ba a karɓar

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kuɗi' a ƙofar shiga kuma su ƙi karɓar kuɗi a na'urar biyan kuɗi.

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Eh, Mista Repasi, hakan gaskiya ne kwata-kwata.

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Kuma wannan shi ne ainihin yadda za a kawar da kuɗi.

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Domin ba mu, 'yan ƙasa, muke riƙe makomar
kuɗi a hannunmu ba, sai tattalin arziki.

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00:11:37,799 --> 00:11:45,399
Tattalin arziki ne ke yanke shawara ko mu
'yan ƙasa za mu iya biyan kuɗi da takarda.

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00:11:45,399 --> 00:11:47,459
Saboda haka, wannan yana nufin:

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00:11:47,459 --> 00:11:52,759
Kowa da ya nace kan biyan kuɗi da hannu ya nemi wani mai sayarwa.

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00:11:52,759 --> 00:11:55,000
Kai, yaya kirki.

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Yanzu za mu iya neman sabon mai sayarwa.

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Mu mayar da wannan yanayi zuwa rayuwar gaske.

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00:12:03,440 --> 00:12:05,879
Mai burodi na bai karɓi kuɗi ba.

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00:12:05,879 --> 00:12:11,440
Don haka sai in tuka mota kilomita
biyar ƙari don in sayi ƙananan burodi.

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00:12:11,440 --> 00:12:14,399
Don haka yanzu hau bas.

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Kuma direban bas ɗin ya ce: Yi hakuri,
yanzu muna karɓar biyan kuɗi da kati kawai.

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00:12:18,600 --> 00:12:22,399
Saboda haka, ba a yarda da biyan kuɗi na hannu ba.

144
00:12:22,399 --> 00:12:25,200
Ta yaya zan isa gidan burodi mafi kusa?

145
00:12:25,200 --> 00:12:28,559
Kuma yaya abincin karin kumallo ya ƙare a faranti na?

146
00:12:28,559 --> 00:12:33,240
Duk wannan tuni ya zama wani ɓangare na rayuwar
yau da kullum a wurare da dama a Turai a yau.

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00:12:33,240 --> 00:12:35,799
Wannan ya faru da ni a Heidelberg.

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00:12:35,799 --> 00:12:37,679
Ka gani da kanka:

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Yanzu haka ina Heidelberg kuma zan hau wannan
bas ɗin – mu gani abin da zai faru nan gaba.

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00:12:47,320 --> 00:12:48,240
Amma har yanzu akwai lokaci.

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00:12:48,240 --> 00:12:49,799
Eh, na yi tsoro ne kawai.

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A'a, a'a, a'a, har yanzu mintuna huɗu suka rage.

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00:12:51,919 --> 00:12:54,799
Sa'an nan ina so a ba ni tikiti zuwa cikin gari.

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00:12:54,799 --> 00:12:56,159
Kudi ba zaɓi ne ba.

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00:12:56,159 --> 00:12:56,919
Shin ba zai yiwu ba yanzu?

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00:12:56,919 --> 00:12:57,600
Ba kwata-kwata ba.

157
00:12:57,600 --> 00:12:59,200
Ba za a iya zuwa ko ina ba, babu bas.

158
00:12:59,200 --> 00:13:00,320
Ba motoci basu ƙare?

159
00:13:00,320 --> 00:13:00,841
Babu motoci da ƙari.

160
00:13:00,841 --> 00:13:06,746
A nan Heidelberg, inda babu ko bas ɗaya, ba zan iya
biyan kuɗi da shi ba, alhali shi ne kawai kuɗin doka?

161
00:13:06,746 --> 00:13:11,799
A'a, an canza shi yanzu. Mun yi wani lokaci na sauyawa na
watanni shida, kuma yanzu babu abin da ke aiki da kudi.

162
00:13:11,799 --> 00:13:16,600
Babu abin da ke aiki yanzu – to, yara, mutane
masu nakasa ko tsofaffi za su yi me yanzu, misali?

163
00:13:16,600 --> 00:13:23,279
Ana buƙatar ɗaukar mataki gaggawa anan don
mayar da makomar maidawa kuɗi hannun jama'a.

164
00:13:23,279 --> 00:13:31,159
Kuma wannan zai yiwu ne kawai idan aka tilasta
wa kamfanoni da hukumomin gwamnati su karɓi kuɗi.

165
00:13:31,159 --> 00:13:36,499
Wannan shi ne kawai hanyar tabbatar
da 'yancin zaɓi – biyan kuɗi da hannu.

166
00:13:36,499 --> 00:13:41,039
Kashi 93 cikin ɗari na 'yan ƙasar Birtaniya suna so wannan.

167
00:13:41,039 --> 00:13:45,279
Yawancin ƙasashe a Turai sun riga sun
gabatar da irin wannan wajibcin karɓa.

168
00:13:45,279 --> 00:13:49,325
A ƙasashen da aka nuna da launin kore, ba a yarda
masu sayarwa su ƙi karɓar kuɗi na hannu kawai ta

169
00:13:49,325 --> 00:13:51,200
hanyar sanya alamar hana hakan a ƙofar shagon ba.

170
00:13:51,200 --> 00:13:55,159
Akwai hujjoji masu inganci na gabatar da wannan wajibcin karɓa.

171
00:13:55,159 --> 00:14:01,559
Mu duba Norway, wadda ta gabatar da
wannan wajibcin karɓar shara a shekarar 2024.

172
00:14:01,559 --> 00:14:03,200
Dalilin wannan?

173
00:14:03,200 --> 00:14:09,440
Bincike ya nuna cewa har zuwa mutane 600,000 na
Norway ba su iya amfani da fasahar dijital ba.

174
00:14:09,440 --> 00:14:12,879
Wannan ya kai sama da kashi goma cikin ɗari na yawan jama'a.

175
00:14:12,879 --> 00:14:17,983
Idan aka yi amfani da wannan adadi a Jamus,
hakan zai nufin cewa sama da mutane miliyan 8

176
00:14:17,983 --> 00:14:21,799
za a ware su daga shiga cikin harkokin jama'a.

177
00:14:21,799 --> 00:14:25,720
Ko wannan ba babban keta ne na hakkokin asali ba?

178
00:14:25,720 --> 00:14:30,679
Mu ga yadda Mista Repasi ya
bayyana ra'ayin doka na yanzu a Jamus:

179
00:14:30,679 --> 00:14:36,279
Babu wajibi ga mutane masu zaman kansu su karɓi kuɗi.

180
00:14:36,279 --> 00:14:42,120
Suma ba su taɓa wanzuwa ba, saboda 'yancin
yarjejeniya wanda hakkokin asali ke karewa.

181
00:14:42,120 --> 00:14:47,639
Eh, Mista Repasi, wannan ra'ayin doka
ne na, misali, Deutsche Bundesbank.

182
00:14:47,639 --> 00:14:51,759
To, menene hakkin 'yan kasuwa na ƙin karɓar kuɗi?

183
00:14:51,759 --> 00:14:57,720
Mu tambayi lauya kuma memba na Kwamitin Zartarwa
na Deutsche Bundesbank a nan Frankfurt am Main.

184
00:14:57,720 --> 00:15:02,360
"Kuna da babban cibiyar doka ta 'yancin yin kwangila."

185
00:15:02,360 --> 00:15:07,240
Ana iya fayyace sharuɗɗan biyan kuɗi a can.

186
00:15:07,240 --> 00:15:14,279
Mai siya a zahiri zai iya ƙin yarda da kwangila
kuma ya yanke shawarar kada ya sayi wani abu.

187
00:15:14,279 --> 00:15:23,141
Amma fa sauran duk hakkokin asali, kamar
hakkin shiga harkokin jama'a, kare sirrin mutum,

188
00:15:23,141 --> 00:15:28,360
haramcin nuna wariya da sauran hakkoki masu yawa?

189
00:15:28,360 --> 00:15:32,679
Idan muka bari hakan ya faru, za a
matse kuɗi daga tattalin arziki.

190
00:15:32,679 --> 00:15:35,399
Dokar mafi ƙarfi za ta yi nasara.

191
00:15:35,399 --> 00:15:37,559
Mu duba wannan a kusa.

192
00:15:37,559 --> 00:15:43,279
Ni kaina na fito ne daga duniyar kasuwanci kuma na
san cewa 'yancin yarjejeniya muhimmin dukiya ne.

193
00:15:43,279 --> 00:15:46,759
Amma ba za mu bari mu yi yawa ba.

194
00:15:46,759 --> 00:15:51,159
Idan masu saye da masu sayarwa suna da
daidaito, 'yancin yin kwangila yana da amfani.

195
00:15:51,159 --> 00:15:56,120
Amma bai kamata ƙarfi ya tilasta nufinsa ga marasa ƙarfi ba.

196
00:15:56,120 --> 00:16:04,639
Shi ya sa dole ne a kare mambobin da suka fi rauni, kamar yadda
kasashe da dama na Turai ke yi ta wajen tilasta karɓar kuɗi.

197
00:16:04,639 --> 00:16:10,559
Kwato wajibcin karɓar kuɗi a kowane hali yana yiwuwa a siyasa!

198
00:16:10,559 --> 00:16:15,200
Wannan ana nuna shi ne ta ƙa'idar
da aka gabatar don euro na dijital.

199
00:16:15,200 --> 00:16:24,279
Wannan saboda an bayyana a fili cewa dole ne a karɓe
shi a tilin shago, da kuma daga hukumomin jiha a .

200
00:16:24,279 --> 00:16:27,199
Kuma fa kuɗi?

201
00:16:27,199 --> 00:16:32,256
Yanzu dole ne in roƙe ku ku yi haƙuri yayin da nake gabatar da
wani ɓangare mai matuƙar rikitarwa wanda za a iya

202
00:16:32,256 --> 00:16:38,360
fahimtarsa ne kawai bayan an saurara shi sau da yawa. Abin
baƙin ciki, sau da yawa haka lamarin yake ga lauyoyi.

203
00:16:38,360 --> 00:16:42,080
Amma ku kasance a shirye, zan bayyana shi nan ba da jimawa ba.

204
00:16:42,080 --> 00:16:46,000
"Amma ya ɗauki babban haɗari a kan wani batu."

205
00:16:46,000 --> 00:16:54,545
An ware a fili cire kuɗi na gabaɗaya da 'yan kasuwa
ko masu ba da sabis suka yi, misali ta hanyar

206
00:16:54,545 --> 00:16:59,039
nuna alamar "ba a karɓi kuɗi ba", daga wannan keɓewar.

207
00:16:59,039 --> 00:17:02,080
Wato, an haramta.

208
00:17:02,080 --> 00:17:10,814
Mista Repasi yana ƙoƙarin bayyana a nan cewa ƙa'idar kuɗi da aka
gabatar a bayyane tana tanadar da cewa 'yan kasuwa ba za su iya

209
00:17:10,814 --> 00:17:15,559
ƙin karɓar kuɗi ba ta hanyar sanya alamar sauƙi a ƙofar shiga.

210
00:17:15,559 --> 00:17:19,319
Ya ma ce cewa hakan zai kasance haram.

211
00:17:19,319 --> 00:17:21,680
Mista Repasi ya yi kuskure sosai a nan.

212
00:17:21,680 --> 00:17:28,793
Sashe na 10 kawai na ƙa'idar da aka gabatar kan e-euro ne
ya bayyana a fili cewa ƙin yarda na ɗaya ɓangare da aka sanya

213
00:17:28,793 --> 00:17:32,319
alama a ƙofar shagon ba ya ƙarƙashin 'yancin yin kwangila.

214
00:17:32,319 --> 00:17:37,440
Ba a ambaci wannan a cikin ƙa'idar da aka gabatar kan kuɗi ba.

215
00:17:37,440 --> 00:17:41,680
A ƙasa za ku sami cikakken kasida ta ilimi kan wannan batu.

216
00:17:41,680 --> 00:17:51,929
Farfaesa Dr. Zeitler, lauya kuma tsohon Mataimakin Shugaban
Bundesbank, ya kai ga ƙarshe gaba ɗaya daban da na Mista Repasi.

217
00:17:51,929 --> 00:17:53,996
Ya rubuta a jaridar Börsenzeitung:

218
00:17:53,996 --> 00:18:03,879
Da farko, kodayake tsarin ƙa'ida na Kwamitin Turai na Yuni 2023 ya
yi yawa a bayyane, kalamansa a kan muhimmin batu na hakkin abokin

219
00:18:03,879 --> 00:18:08,559
ciniki na amfani da kuɗi a mu'amaloli kasuwanci sun yi rauni.

220
00:18:08,559 --> 00:18:14,532
A cewar Sashe na 5 na wannan kudurin, har yanzu
zai yiwu a hana karɓar kuɗi, misali a cikin sharuɗɗa

221
00:18:14,532 --> 00:18:17,720
da ka'idoji na gabaɗaya ko ta alamar "Babu Kuɗi".

222
00:18:17,720 --> 00:18:29,208
Kamar Prof. Zeitler, ECB ma na neman a saka tanadi a cikin ƙa'ida
da zai hana ƙin yarda ta ɓangare guda tare da alama a ƙofar.

223
00:18:29,208 --> 00:18:30,056
Ina ambata:

224
00:18:30,056 --> 00:18:37,302
Ya kamata a ƙara sabon tanadi a cikin ƙa'idar da
aka gabatar wanda a sarari ke bayyana cewa an

225
00:18:37,302 --> 00:18:40,960
haramta ware kuɗi na hannu a gefe guda tun a gaba.

226
00:18:40,960 --> 00:18:45,200
Shirin ARD Plusminus ma ya kai ga wannan ƙarshe:

227
00:18:45,200 --> 00:18:54,480
EU ta fayyace a sarari buƙatar zama kuɗin doka ga euro
na dijital – amma ba ga takardun kuɗi da tsabar kuɗi ba.

228
00:18:54,480 --> 00:18:55,480
Don taƙaita:

229
00:18:55,480 --> 00:18:58,759
1. Tattalin arziki na ƙara ƙin karɓar kuɗi.

230
00:18:58,759 --> 00:19:05,279
Wannan yana nufin cewa kafuna, gidajen cin abinci, masana'antar
burodi da wuraren sayar da kirim suna ƙara ƙin karɓar kuɗi.

231
00:19:05,279 --> 00:19:08,799
2. Jiha na ƙara ƙin karɓar kuɗi.

232
00:19:08,799 --> 00:19:14,728
Wannan yana nufin cewa tafkunan wanka na waje na
birane, ofisoshin 'yan ƙasa, bas da tram, filayen ajiye

233
00:19:14,728 --> 00:19:17,920
motoci da wuraren ajiye mota suna ƙara ƙin karɓar kuɗi.

234
00:19:17,920 --> 00:19:21,519
Ana tilasta wa 'yan ƙasa yin biyan kuɗi ta dijital.

235
00:19:21,519 --> 00:19:25,039
3. e-euro na zama abokin gasa ga kuɗi na hannu.

236
00:19:25,039 --> 00:19:27,400
A halin yanzu muna da hanyoyi biyu na biyan kuɗi.

237
00:19:27,400 --> 00:19:34,880
Da farko, kuɗin dijital, wanda ake kira kuɗin
rubuce-rubuce, da kuɗi na hannu, su ne kaɗai kuɗaɗen halal.

238
00:19:34,880 --> 00:19:40,680
Lokacin da aka gabatar da e-euro, za a sami na biyu kudin doka.

239
00:19:40,680 --> 00:19:45,440
Ana iya amfani da e-euro wajen
biyan kuɗi a shagunan sayar da kaya.

240
00:19:45,440 --> 00:19:53,400
Wannan yana nufin cewa zai zama gasa kai tsaye da
kuɗi kuma a halitta zai kwace kaso na kasuwa daga kuɗi.

241
00:19:53,400 --> 00:19:58,400
4. Bankunan tsakiya suna haɗa makomar kuɗi da buƙata.

242
00:19:58,400 --> 00:20:02,680
ECB ta riga ta ɗauki matsayi mai bayyananne kan wannan batu.

243
00:20:02,680 --> 00:20:10,480
Ina ambata: "Eurosystem zai ci gaba da samar da takardun
kudi da kuma ba da damar amfani da su har sai buƙata ta wanzu."

244
00:20:10,480 --> 00:20:14,079
Kudi ba shi da wata dama ta tsira.

245
00:20:14,079 --> 00:20:23,167
Kamar yadda aka tsara don e-euro, yanzu
akwai buƙatar doka da ke tilasta karɓar kuɗi.

246
00:20:23,167 --> 00:20:28,344
Ka lura, wajibcin karɓar kuɗi na hannu
misali ne ɗaya kawai daga cikin ƙa'idar da aka

247
00:20:28,344 --> 00:20:31,599
gabatar wadda ke buƙatar a inganta ta gaggawa.

248
00:20:31,599 --> 00:20:36,359
A ganinmu, akalla akwai abubuwa 13 da dole ne a inganta.

249
00:20:36,359 --> 00:20:40,530
Mun riga mun aika waɗannan shawarwari guda
13 na ingantawa a cikin wasiƙa zuwa Kwamitin

250
00:20:40,530 --> 00:20:42,759
Harkokin Kuɗi na Majalisar Dokoki ta Turai.

251
00:20:42,759 --> 00:20:46,880
Amma mu koma kan bayanin Ms Lagarde.

252
00:20:46,880 --> 00:20:54,279
Ina so kawai in ƙara cewa wannan euro na dijital ba zai
maye gurbin kuɗi na hannu ba, tabbas, amma zai cika shi.

253
00:20:54,279 --> 00:20:57,599
Umarnin Ms Lagarde ya bayyana:

254
00:20:57,599 --> 00:21:02,720
An nufa e-euro don ƙara wa kuɗi
na hannu, ba don maye gurbinsa ba.

255
00:21:02,720 --> 00:21:05,279
Ga wani karin magana don wannan:

256
00:21:05,279 --> 00:21:10,039
Kudi na ba mu fa'idodi da dama daban-daban.

257
00:21:10,039 --> 00:21:13,839
Zan so in yi wannan alama da wannan buket na furanni.

258
00:21:13,839 --> 00:21:20,200
Kuma kowanne fure fa'ida ce wadda ta dade tana ba mu kudi.

259
00:21:20,200 --> 00:21:26,400
Tarayyar Turai yanzu tana son samun wata kuɗin doka, wato e-euro.

260
00:21:26,400 --> 00:21:35,240
Kuma buƙatar ita ce cewa e-euro na ƙara ne
ga kuɗi na hannu – wato a zahiri ƙari ne.

261
00:21:35,240 --> 00:21:45,259
Amma ba burin e-euro ya tura kuɗi na hannu
a hankali zuwa gefe har ya kawar da shi ba.

262
00:21:47,119 --> 00:21:54,253
Abin takaici, an tsara ƙa'idodin da aka gabatar
ta yadda suke goyon bayan kuɗin halal da ba a

263
00:21:54,253 --> 00:21:58,720
kafa ba kuma suke nuna rashin adalci ga kuɗin hannu.

264
00:21:58,720 --> 00:22:06,839
Dangane da dokar kudi ta yanzu, kudi ba su da makoma mai ɗorewa.

265
00:22:06,839 --> 00:22:09,400
Ana buƙatar gaggawar ingantawa anan!

266
00:22:09,400 --> 00:22:15,440
Aƙalla maki 13 na buƙatar ingantawa sosai.

267
00:22:15,440 --> 00:22:22,519
A gaskiya, mafita tana da sauƙi sosai: ana buƙatar
sharuɗɗan tsarin da suka yi daidai ga kuɗin doka.

268
00:22:22,519 --> 00:22:29,640
Kuma dole ne waɗannan su kuma shafi duk kuɗaɗen
da doka ta halatta, wato e-euro da kuɗin hannu.

269
00:22:29,640 --> 00:22:35,039
Ba zai yiwu a ba wata takardar kuɗi fifiko kan wata ba.

270
00:22:35,039 --> 00:22:40,880
Wannan bidiyo yana nufin dukkan 'yan
Majalisar Turai da 'yan Majalisar Jamus.

271
00:22:40,880 --> 00:22:45,559
Babu ɗan siyasa da ya kamata ya ce bai sani ba.

272
00:22:45,559 --> 00:22:49,636
Na gode ƙwarai da gaske da ɗaukar
lokaci don la'akari da wannan muhimmin batu.

273
00:22:49,636 --> 00:22:55,960
Kuma idan ba ku yi hakan ba tukuna, don Allah ku
sanya hannu kan bukatata ta kudi a www.bargelderhalt.eu