WEBVTT 00:00.000 --> 00:06.120 Ɗaya daga cikin matsalolin da ke shafar ƙasashe da dama a halin yanzu shi ne makomar kuɗi. 00:06.120 --> 00:11.400 Yana fuskantar haɗarin maye gurbinsa da euro na dijital nan ba da jimawa ba. 00:11.400 --> 00:13.773 Bari mu duba yadda wannan ya ci gaba: 00:13.773 --> 00:23.679 ● A watan Oktoba na 2021, an kaddamar da aikin "Digital Euro" tare da matakin bincike na tsawon shekaru biyu da Eurosystem. 00:23.679 --> 00:35.130 ● A watan Yuni na 2023, an gabatar da ra'ayi na farko game da ƙirar euro na dijital, mai taken "Single Currency Package". 00:35.130 --> 00:42.200 ● A ranar 1 ga Nuwamba 2025, Eurosystem ta shiga mataki na gaba na aikin. 00:42.200 --> 00:51.799 Manufar ita ce shirya Eurosystem don yiwuwar fitar da euro na dijital a shekarar 2029. 00:51.799 --> 01:02.600 Ci gaban dabarun kudi na Eurosystem a halin yanzu yana ba da dama ta musamman kuma mai alkawari don sanya kudi a cikin doka. 01:02.600 --> 01:05.599 Wannan shi ne kawai hanyar tabbatar da kiyayewar sa na dogon lokaci. 01:05.599 --> 01:15.640 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. 01:15.640 --> 01:21.793 Obligasyon na karɓa na nufin cewa masu karɓar biyan kuɗi dole ne su karɓi takardun kuɗi na 01:21.793 --> 01:26.239 euro da tsabar kuɗi na euro a matsayin kuɗin doka. 01:26.239 --> 01:32.640 Kudi na hannu ya kasance hanyar biyan kuɗi da aka gwada tsawon ƙarni, kuma ya kamata ya ci gaba da kasancewa a gare mu. 01:32.640 --> 01:41.480 Shin kun san cewa duk da sakamakon wannan tattaunawar, ya rataya ne a kan kowane mutum ya ajiye kuɗi? 01:41.480 --> 01:51.040 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. 01:51.040 --> 01:53.280 Amma wa daga cikinmu ne ya san gaskiya? 01:53.280 --> 01:58.599 Shekaru da dama, mutane da yawa sun mika wuya ga sauƙi ba tare da tunani ba. 01:58.599 --> 02:02.799 Yanzu (!) shine matakin da ya fi muhimmanci don samun kudi! 02:02.799 --> 02:06.120 Wannan yana buƙatar ayyuka biyu daga jama'a: 02:06.120 --> 02:17.639 1. Sanya hannu kan takardun roƙo da aka gabatar a yau don adana kuɗi, domin a ci gaba da kasancewa da wajibcin karɓarsa. 02:17.639 --> 02:22.960 2. Biya da kuɗi kai tsaye kuma ka bar katin bankinka a gida. 02:22.960 --> 02:28.724 Ba daidai ba ne ga tattalin arziki ya tilasta biyan kuɗi ta dijital ga mutane, ta haka 02:28.724 --> 02:33.199 yana tallafawa burin 'yan siyasa na samun iko. 02:33.199 --> 02:42.509 A cikin bidiyon da ke gaba, Hansjörg Stützle, wanda ya kafa shirin Bargelderhalt, ya bayyana yadda ake maye gurbin kuɗi 02:42.509 --> 02:48.240 na hannu da kuma ikon da kowannenmu ke da shi don hana hakan. 02:48.240 --> 02:51.759 Mu yi amfani da su tare! 02:51.759 --> 02:59.280 "Ina so kawai in ƙara cewa wannan euro na dijital ba zai maye gurbin kuɗi na hannu ba, tabbas, amma zai cika shi." 02:59.280 --> 03:02.067 Shin manufofi suna bin wannan jagora? 03:02.067 --> 03:07.000 Shin e-euro zai cika kuɗin hannu ko ya maye gurbinsa? 03:07.000 --> 03:12.439 Yanzu muna da wata dama ta musamman don sanya kuɗi a cikin doka a duk faɗin Turai. 03:12.439 --> 03:14.400 Sunana Hansjörg Stützle. 03:14.400 --> 03:23.039 Ni ne wanda ya ƙaddamar da petishin kuɗi bargelderhalt.eu, wanda mutane sama da 200,000 suka riga suka sanya hannu a kai. 03:23.039 --> 03:26.648 Bari mu fara duba gaskiya. 03:26.648 --> 03:33.360 Kwamitin Tarayyar Turai ya gabatar da shawarwari guda biyu na ƙa'idoji: ɗaya don e-euro, ɗaya kuma don kuɗi na hannu. 03:33.360 --> 03:38.007 Matsalar: e-euro, misali, ya kamata a karɓa a fili a wuraren biyan kuɗi na shaguna, 03:38.007 --> 03:40.759 yayin da ba a kamata a karɓi kuɗi na hannu ba. 03:40.759 --> 03:46.199 Wannan yana nufin cewa shaguna za su iya ci gaba da ƙin karɓar kuɗi, amma ba e-euro ba. 03:46.199 --> 03:51.512 Ba lallai ne ka zama annabi ba don ganin cewa, bisa wannan hujja, za a maye gurbin kuɗi 03:51.512 --> 03:54.960 kuma ba shi da damar tsira na dogon lokaci. 03:54.960 --> 04:02.120 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. 04:02.120 --> 04:06.683 Waɗannan a halin yanzu suna gaban Kwamitin Harkokin Tattalin Arziki da Kuɗi na Majalisar 04:06.683 --> 04:09.120 Dokoki ta Turai, wanda ake kira Kwamitin ECON. 04:09.120 --> 04:15.520 Idan na ji bayanan da wasu 'yan siyasa a wannan kwamitin ke yi, sai in ji damuwa da tsoro. 04:15.520 --> 04:22.480 A halin yanzu, makomar kudinmu tana hannun ƙungiyar 'yan siyasa kaɗan. 04:22.480 --> 04:28.556 Mista Repasi, memba na Majalisar Dokokin Turai kuma memba na Kwamitin ECON, ya saki bidiyo wanda, da 04:28.556 --> 04:32.040 kyakkyawar niyya a duniya, ba za a iya watsi da shi ba. 04:32.040 --> 04:38.720 Kamar yadda Mista Repasi ya ce tun a farkon bidiyon: "Da farko, labari mai daɗi. Babu wanda ke son kawar da kuɗi." 04:38.720 --> 04:40.839 Eh, wanene babu kowa? 04:40.839 --> 04:43.519 "Muna damuwa game da kuɗi." 04:43.519 --> 04:45.399 Ina ganin ya kamata a rushe shi. 04:45.399 --> 04:49.519 Duniya tana da fasaha mai ƙarfi sosai. 04:49.519 --> 04:56.000 Kuma ina ganin gwamnatoci za su yi sha'awar wannan. 04:56.000 --> 04:59.759 "Amma kuɗi na hannu har yanzu shine babban matsala." 04:59.759 --> 05:04.813 A gefe guda, kullum ina gaya wa waɗanda suke tambayata yadda za a dakatar da safarar miyagun ƙwayoyi a 05:04.813 --> 05:07.439 unguwanninmu cewa akwai mataki mai sauƙi (don haka): 05:07.439 --> 05:13.160 Cire kuɗi zai hana bayyana wuraren cinikin miyagun ƙwayoyi. 05:13.160 --> 05:15.120 "Muna son al'umma mara kuɗi." 05:15.120 --> 05:18.600 Sarrafa ceki da kuɗi a kamfaninmu yana kashe mana dala biliyan biyar. 05:18.600 --> 05:19.839 Kana so al'umma mara kuɗi? 05:19.839 --> 05:25.639 Muna ƙoƙarin ... Muna da abin samu fiye da kowa. 05:25.639 --> 05:36.360 "Manufata ita ce mu bar takardun kudi na gargajiya – kudi – mu koma asusun dijital." 05:36.360 --> 05:43.860 Ina so al'ummarmu ta zama al'umma mara kuɗi na hannu. 05:45.560 --> 05:50.519 "A Italiya, ana tattaunawa kan ko iyakar kuɗi ta kashe ya kamata a saita a dubu ɗaya ko dubu uku." 05:50.519 --> 05:55.040 A ra'ayina, ya kamata ya zama sifili. 05:55.040 --> 05:58.199 "Dole ne mu wuce amfani da kuɗi na hannu." 05:58.199 --> 06:01.560 Dole ne mu matsa zuwa ga al'umma mara kuɗi! 06:01.560 --> 06:08.785 Idan muna son mu wuce biyan kuɗi da hannu, dole ne, don Allah, mu inganta mu'amaloli ta wayar salula da katin 06:08.785 --> 06:15.480 bashi, mu kuma haɓaka tsarin kasuwanci da ya dogara ga masu samar da sabis na biyan kuɗi na dijital! 06:15.480 --> 06:19.839 Wadannan bayanai suna nuna matsin lamba da kudi ke fuskanta. 06:19.839 --> 06:27.480 Game da haka, Mista Repasi, me kake nufi da kawar da kuɗi idan ba za ka iya biyan kuɗi da takarda a shaguna ba? 06:27.480 --> 06:35.759 A ƙasar Netherlands, misali, 21% na kantunan magani da 38% na sinima ba sa karɓar kuɗi. 06:35.759 --> 06:38.560 Shin ka rasa hakan, Mista Repasi? 06:38.560 --> 06:46.360 Kana da matsayi na malami a Rotterdam, birni inda sufuri na jama'a ba ya karɓar kuɗi a hannu. 06:46.360 --> 06:50.519 Kuma me ya sa kake tunanin cewa babu wanda ke son kawar da kuɗi? 06:50.519 --> 06:52.959 Yanzu haka tuni ya fara gudanarwa sosai. 06:52.959 --> 06:59.240 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? 06:59.240 --> 07:03.600 Wannan shi ne ainihin halin da muka sha fama da shi a Girka na tsawon lokaci. 07:03.600 --> 07:10.000 Wannan saboda akwai iyakar kuɗi na euro 500. 07:10.000 --> 07:15.759 Bugu da ƙari, kalmar "cash limit" ma tana rage muhimmancin gaskiya. 07:15.759 --> 07:20.720 Daga karshe, iyakar kuɗi tuni ta zama haramcin kuɗi. 07:20.720 --> 07:28.214 Wannan yana nufin cewa doka ta haramta kuma ta tanadi hukunci ga duk wanda ya biya kayayyaki, kayan 07:28.214 --> 07:33.079 kasuwanci da ayyuka fiye da wannan adadin da kuɗi a hannu. 07:33.079 --> 07:37.199 Duniya mara kuɗi na matsowa a kanmu, mataki bayan mataki. 07:37.199 --> 07:41.279 Za a iya ganin wannan a sarari sosai a cikin iyakokin kuɗi. 07:41.279 --> 07:47.800 Da zarar an kafa iyakar kuɗi, yawanci ana rage ta kuma ba a taba ƙara ta ba. 07:47.800 --> 07:52.079 Wannan ya riga ya kasance a ƙasashe tara na Tarayyar Turai. 07:52.079 --> 07:56.519 Na ambaci Belgium, Girka da Denmark a matsayin misalai na wannan. 07:56.519 --> 08:00.759 Amma a gaskiya, halin da ake ciki da kuɗi ya fi muni sosai. 08:00.759 --> 08:06.480 A ƙarshe, ana haɗa kuɗi da buƙata. 08:06.480 --> 08:10.560 Don haka, ko mutane suna amfani da kudi. 08:10.560 --> 08:19.752 Na samu damar tambayar Mista Hardt, Shugaban Sashen Kudi na Deutsche Bundesbank, tambaya mafi muhimmanci 08:19.752 --> 08:24.519 yayin wata tattaunawa a gidan talabijin na gwamnati SWR. 08:24.519 --> 08:28.639 Ka gani da kanka yadda ya amsa tambayata: 08:28.639 --> 08:32.159 "Wataƙila ya kamata ku kuma fayyace menene buƙata?" 08:32.159 --> 08:34.759 Ya kamata kaso na biyan kuɗi ya kai nawa? 08:34.759 --> 08:41.679 Abin takaici, 'yan ƙasa ba su da kuɗi a hannunsu saboda tattalin arziki ya karkata wajen ƙin karɓar kuɗi. 08:41.679 --> 08:45.600 Don haka, a nan Jamus, yanzu akwai 'yan kasuwa da ke ƙin karɓar kuɗi. 08:45.600 --> 08:51.751 Kuma mun sani cewa, bisa wannan hujja, kuɗin hannu ba zai iya tsira na dogon lokaci ba, domin tattalin 08:51.751 --> 08:57.600 arziki ne ke yanke shawara ko mu, a matsayin 'yan ƙasa, muna da zaɓin biyan kuɗi da kuɗin hannu. 08:57.600 --> 08:59.360 "Amma muna magana ne kawai game da Bundesbank." 08:59.360 --> 09:05.240 Zan ba Mista Hardt wata dama don amsa tambayar. 09:05.240 --> 09:10.239 Tambayar asali ita ce: shin da gaske za ka so Deutsche Bundesbank ta ci gaba da buga kudi idan kai 09:10.239 --> 09:12.840 ne mutumin ƙarshe a Jamus da ke son kuɗi na hannu? 09:12.840 --> 09:14.679 To, a ina wannan iyaka take? 09:14.679 --> 09:17.799 "Ina ganin tambayar ba ko Deutsche Bundesbank na buga takardun kudi ba." 09:17.799 --> 09:28.399 Tambayar ita ce, idan amfani da kudi ya ragu sosai – bayan duk, akwai ababen more rayuwa a bayan amfani da kudi. 09:28.399 --> 09:34.240 Kuma tambayar ita ce: shin zai yi ma'ana a ci gaba da kula da su idan amfani da kudi ya yi ƙasa haka? 09:34.240 --> 09:37.879 Don haka idan kai ne mutumin ƙarshe da ya biya da kuɗi, tabbas za a yi tambaya: 09:37.879 --> 09:42.440 Wane ne har yanzu ke gudanar da na'urar ATM a gare ku kuma waɗanne 'yan kasuwa ne har yanzu ke karɓar kuɗi? 09:42.440 --> 09:45.960 Don haka, yanzu mun buga ƙugiya a kai: 09:45.960 --> 09:50.879 Makomar kuɗi a ƙarshe tana dogara ne akan buƙata. 09:50.879 --> 09:57.094 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 09:57.094 --> 10:00.759 na dijital ba, misali, ababen more rayuwa sun yi tsada sosai. 10:00.759 --> 10:09.399 Sai 'yan siyasa su ce wannan bai dace ba kuma al'umma ba za ta iya ɗaukar waɗannan kuɗaɗen ba. 10:09.399 --> 10:15.204 Bugu da ƙari, shugaban Sashen Tsakiyar Kuɗi na Deutsche Bundesbank, Mista Hardt, bai yi tsokaci 10:15.204 --> 10:18.679 kan lokacin da wannan mahimmin lokaci zai faru ba. 10:18.679 --> 10:21.960 Saboda haka, kimantawa ta ta haka take: 10:21.960 --> 10:30.435 Idan kaso na biyan kuɗi da hannu ya sauka ƙasa da kashi 15 cikin ɗari, ko ƙasa da kashi 10 cikin ɗari a 10:30.435 --> 10:35.440 ƙarshe, wannan hujjar daidaito za ta ƙara fitowa fili. 10:35.440 --> 10:41.000 Ba kawai Deutsche Bundesbank ba, har ma Babban Bankin Tarayyar Turai (ECB) ya bayyana a sarari a cikin sanarwarsa: 10:41.000 --> 10:48.960 Eurosystem zai ci gaba da samar da takardun kudi da kuma ba da damar amfani da su har sai buƙata ta wanzu. 10:48.960 --> 10:51.559 Amma me Mista Repasi ya ce kuma? 10:51.559 --> 10:54.919 Da farko, labari mai daɗi: babu wanda ke son kawar da kuɗi. 10:54.919 --> 10:57.919 Shin babu wanda gaske yake son kawar da kuɗi? 10:57.919 --> 11:01.679 Gaskiyar ita ce ana riga ana maye gurbin kuɗi. 11:01.679 --> 11:06.600 Saboda yana da sauƙi sosai ga masu sayar da kaya su ƙi karɓar kuɗi. 11:06.600 --> 11:09.440 Mista Repasi ya bayyana halin da ake ciki: 11:09.440 --> 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 11:18.677 --> 11:23.759 kuɗi' a ƙofar shiga kuma su ƙi karɓar kuɗi a na'urar biyan kuɗi. 11:23.759 --> 11:26.360 Eh, Mista Repasi, hakan gaskiya ne kwata-kwata. 11:26.360 --> 11:31.320 Kuma wannan shi ne ainihin yadda za a kawar da kuɗi. 11:31.320 --> 11:37.799 Domin ba mu, 'yan ƙasa, muke riƙe makomar kuɗi a hannunmu ba, sai tattalin arziki. 11:37.799 --> 11:45.399 Tattalin arziki ne ke yanke shawara ko mu 'yan ƙasa za mu iya biyan kuɗi da takarda. 11:45.399 --> 11:47.459 Saboda haka, wannan yana nufin: 11:47.459 --> 11:52.759 Kowa da ya nace kan biyan kuɗi da hannu ya nemi wani mai sayarwa. 11:52.759 --> 11:55.000 Kai, yaya kirki. 11:55.000 --> 11:58.559 Yanzu za mu iya neman sabon mai sayarwa. 11:58.559 --> 12:03.440 Mu mayar da wannan yanayi zuwa rayuwar gaske. 12:03.440 --> 12:05.879 Mai burodi na bai karɓi kuɗi ba. 12:05.879 --> 12:11.440 Don haka sai in tuka mota kilomita biyar ƙari don in sayi ƙananan burodi. 12:11.440 --> 12:14.399 Don haka yanzu hau bas. 12:14.399 --> 12:18.600 Kuma direban bas ɗin ya ce: Yi hakuri, yanzu muna karɓar biyan kuɗi da kati kawai. 12:18.600 --> 12:22.399 Saboda haka, ba a yarda da biyan kuɗi na hannu ba. 12:22.399 --> 12:25.200 Ta yaya zan isa gidan burodi mafi kusa? 12:25.200 --> 12:28.559 Kuma yaya abincin karin kumallo ya ƙare a faranti na? 12:28.559 --> 12:33.240 Duk wannan tuni ya zama wani ɓangare na rayuwar yau da kullum a wurare da dama a Turai a yau. 12:33.240 --> 12:35.799 Wannan ya faru da ni a Heidelberg. 12:35.799 --> 12:37.679 Ka gani da kanka: 12:37.679 --> 12:47.320 Yanzu haka ina Heidelberg kuma zan hau wannan bas ɗin – mu gani abin da zai faru nan gaba. 12:47.320 --> 12:48.240 Amma har yanzu akwai lokaci. 12:48.240 --> 12:49.799 Eh, na yi tsoro ne kawai. 12:49.799 --> 12:51.919 A'a, a'a, a'a, har yanzu mintuna huɗu suka rage. 12:51.919 --> 12:54.799 Sa'an nan ina so a ba ni tikiti zuwa cikin gari. 12:54.799 --> 12:56.159 Kudi ba zaɓi ne ba. 12:56.159 --> 12:56.919 Shin ba zai yiwu ba yanzu? 12:56.919 --> 12:57.600 Ba kwata-kwata ba. 12:57.600 --> 12:59.200 Ba za a iya zuwa ko ina ba, babu bas. 12:59.200 --> 13:00.320 Ba motoci basu ƙare? 13:00.320 --> 13:00.841 Babu motoci da ƙari. 13:00.841 --> 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? 13:06.746 --> 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. 13:11.799 --> 13:16.600 Babu abin da ke aiki yanzu – to, yara, mutane masu nakasa ko tsofaffi za su yi me yanzu, misali? 13:16.600 --> 13:23.279 Ana buƙatar ɗaukar mataki gaggawa anan don mayar da makomar maidawa kuɗi hannun jama'a. 13:23.279 --> 13:31.159 Kuma wannan zai yiwu ne kawai idan aka tilasta wa kamfanoni da hukumomin gwamnati su karɓi kuɗi. 13:31.159 --> 13:36.499 Wannan shi ne kawai hanyar tabbatar da 'yancin zaɓi – biyan kuɗi da hannu. 13:36.499 --> 13:41.039 Kashi 93 cikin ɗari na 'yan ƙasar Birtaniya suna so wannan. 13:41.039 --> 13:45.279 Yawancin ƙasashe a Turai sun riga sun gabatar da irin wannan wajibcin karɓa. 13:45.279 --> 13:49.325 A ƙasashen da aka nuna da launin kore, ba a yarda masu sayarwa su ƙi karɓar kuɗi na hannu kawai ta 13:49.325 --> 13:51.200 hanyar sanya alamar hana hakan a ƙofar shagon ba. 13:51.200 --> 13:55.159 Akwai hujjoji masu inganci na gabatar da wannan wajibcin karɓa. 13:55.159 --> 14:01.559 Mu duba Norway, wadda ta gabatar da wannan wajibcin karɓar shara a shekarar 2024. 14:01.559 --> 14:03.200 Dalilin wannan? 14:03.200 --> 14:09.440 Bincike ya nuna cewa har zuwa mutane 600,000 na Norway ba su iya amfani da fasahar dijital ba. 14:09.440 --> 14:12.879 Wannan ya kai sama da kashi goma cikin ɗari na yawan jama'a. 14:12.879 --> 14:17.983 Idan aka yi amfani da wannan adadi a Jamus, hakan zai nufin cewa sama da mutane miliyan 8 14:17.983 --> 14:21.799 za a ware su daga shiga cikin harkokin jama'a. 14:21.799 --> 14:25.720 Ko wannan ba babban keta ne na hakkokin asali ba? 14:25.720 --> 14:30.679 Mu ga yadda Mista Repasi ya bayyana ra'ayin doka na yanzu a Jamus: 14:30.679 --> 14:36.279 Babu wajibi ga mutane masu zaman kansu su karɓi kuɗi. 14:36.279 --> 14:42.120 Suma ba su taɓa wanzuwa ba, saboda 'yancin yarjejeniya wanda hakkokin asali ke karewa. 14:42.120 --> 14:47.639 Eh, Mista Repasi, wannan ra'ayin doka ne na, misali, Deutsche Bundesbank. 14:47.639 --> 14:51.759 To, menene hakkin 'yan kasuwa na ƙin karɓar kuɗi? 14:51.759 --> 14:57.720 Mu tambayi lauya kuma memba na Kwamitin Zartarwa na Deutsche Bundesbank a nan Frankfurt am Main. 14:57.720 --> 15:02.360 "Kuna da babban cibiyar doka ta 'yancin yin kwangila." 15:02.360 --> 15:07.240 Ana iya fayyace sharuɗɗan biyan kuɗi a can. 15:07.240 --> 15:14.279 Mai siya a zahiri zai iya ƙin yarda da kwangila kuma ya yanke shawarar kada ya sayi wani abu. 15:14.279 --> 15:23.141 Amma fa sauran duk hakkokin asali, kamar hakkin shiga harkokin jama'a, kare sirrin mutum, 15:23.141 --> 15:28.360 haramcin nuna wariya da sauran hakkoki masu yawa? 15:28.360 --> 15:32.679 Idan muka bari hakan ya faru, za a matse kuɗi daga tattalin arziki. 15:32.679 --> 15:35.399 Dokar mafi ƙarfi za ta yi nasara. 15:35.399 --> 15:37.559 Mu duba wannan a kusa. 15:37.559 --> 15:43.279 Ni kaina na fito ne daga duniyar kasuwanci kuma na san cewa 'yancin yarjejeniya muhimmin dukiya ne. 15:43.279 --> 15:46.759 Amma ba za mu bari mu yi yawa ba. 15:46.759 --> 15:51.159 Idan masu saye da masu sayarwa suna da daidaito, 'yancin yin kwangila yana da amfani. 15:51.159 --> 15:56.120 Amma bai kamata ƙarfi ya tilasta nufinsa ga marasa ƙarfi ba. 15:56.120 --> 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. 16:04.639 --> 16:10.559 Kwato wajibcin karɓar kuɗi a kowane hali yana yiwuwa a siyasa! 16:10.559 --> 16:15.200 Wannan ana nuna shi ne ta ƙa'idar da aka gabatar don euro na dijital. 16:15.200 --> 16:24.279 Wannan saboda an bayyana a fili cewa dole ne a karɓe shi a tilin shago, da kuma daga hukumomin jiha a . 16:24.279 --> 16:27.199 Kuma fa kuɗi? 16:27.199 --> 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 16:32.256 --> 16:38.360 fahimtarsa ne kawai bayan an saurara shi sau da yawa. Abin baƙin ciki, sau da yawa haka lamarin yake ga lauyoyi. 16:38.360 --> 16:42.080 Amma ku kasance a shirye, zan bayyana shi nan ba da jimawa ba. 16:42.080 --> 16:46.000 "Amma ya ɗauki babban haɗari a kan wani batu." 16:46.000 --> 16:54.545 An ware a fili cire kuɗi na gabaɗaya da 'yan kasuwa ko masu ba da sabis suka yi, misali ta hanyar 16:54.545 --> 16:59.039 nuna alamar "ba a karɓi kuɗi ba", daga wannan keɓewar. 16:59.039 --> 17:02.080 Wato, an haramta. 17:02.080 --> 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 17:10.814 --> 17:15.559 ƙin karɓar kuɗi ba ta hanyar sanya alamar sauƙi a ƙofar shiga. 17:15.559 --> 17:19.319 Ya ma ce cewa hakan zai kasance haram. 17:19.319 --> 17:21.680 Mista Repasi ya yi kuskure sosai a nan. 17:21.680 --> 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 17:28.793 --> 17:32.319 alama a ƙofar shagon ba ya ƙarƙashin 'yancin yin kwangila. 17:32.319 --> 17:37.440 Ba a ambaci wannan a cikin ƙa'idar da aka gabatar kan kuɗi ba. 17:37.440 --> 17:41.680 A ƙasa za ku sami cikakken kasida ta ilimi kan wannan batu. 17:41.680 --> 17:51.929 Farfaesa Dr. Zeitler, lauya kuma tsohon Mataimakin Shugaban Bundesbank, ya kai ga ƙarshe gaba ɗaya daban da na Mista Repasi. 17:51.929 --> 17:53.996 Ya rubuta a jaridar Börsenzeitung: 17:53.996 --> 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 18:03.879 --> 18:08.559 ciniki na amfani da kuɗi a mu'amaloli kasuwanci sun yi rauni. 18:08.559 --> 18:14.532 A cewar Sashe na 5 na wannan kudurin, har yanzu zai yiwu a hana karɓar kuɗi, misali a cikin sharuɗɗa 18:14.532 --> 18:17.720 da ka'idoji na gabaɗaya ko ta alamar "Babu Kuɗi". 18:17.720 --> 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. 18:29.208 --> 18:30.056 Ina ambata: 18:30.056 --> 18:37.302 Ya kamata a ƙara sabon tanadi a cikin ƙa'idar da aka gabatar wanda a sarari ke bayyana cewa an 18:37.302 --> 18:40.960 haramta ware kuɗi na hannu a gefe guda tun a gaba. 18:40.960 --> 18:45.200 Shirin ARD Plusminus ma ya kai ga wannan ƙarshe: 18:45.200 --> 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. 18:54.480 --> 18:55.480 Don taƙaita: 18:55.480 --> 18:58.759 1. Tattalin arziki na ƙara ƙin karɓar kuɗi. 18:58.759 --> 19:05.279 Wannan yana nufin cewa kafuna, gidajen cin abinci, masana'antar burodi da wuraren sayar da kirim suna ƙara ƙin karɓar kuɗi. 19:05.279 --> 19:08.799 2. Jiha na ƙara ƙin karɓar kuɗi. 19:08.799 --> 19:14.728 Wannan yana nufin cewa tafkunan wanka na waje na birane, ofisoshin 'yan ƙasa, bas da tram, filayen ajiye 19:14.728 --> 19:17.920 motoci da wuraren ajiye mota suna ƙara ƙin karɓar kuɗi. 19:17.920 --> 19:21.519 Ana tilasta wa 'yan ƙasa yin biyan kuɗi ta dijital. 19:21.519 --> 19:25.039 3. e-euro na zama abokin gasa ga kuɗi na hannu. 19:25.039 --> 19:27.400 A halin yanzu muna da hanyoyi biyu na biyan kuɗi. 19:27.400 --> 19:34.880 Da farko, kuɗin dijital, wanda ake kira kuɗin rubuce-rubuce, da kuɗi na hannu, su ne kaɗai kuɗaɗen halal. 19:34.880 --> 19:40.680 Lokacin da aka gabatar da e-euro, za a sami na biyu kudin doka. 19:40.680 --> 19:45.440 Ana iya amfani da e-euro wajen biyan kuɗi a shagunan sayar da kaya. 19:45.440 --> 19:53.400 Wannan yana nufin cewa zai zama gasa kai tsaye da kuɗi kuma a halitta zai kwace kaso na kasuwa daga kuɗi. 19:53.400 --> 19:58.400 4. Bankunan tsakiya suna haɗa makomar kuɗi da buƙata. 19:58.400 --> 20:02.680 ECB ta riga ta ɗauki matsayi mai bayyananne kan wannan batu. 20:02.680 --> 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." 20:10.480 --> 20:14.079 Kudi ba shi da wata dama ta tsira. 20:14.079 --> 20:23.167 Kamar yadda aka tsara don e-euro, yanzu akwai buƙatar doka da ke tilasta karɓar kuɗi. 20:23.167 --> 20:28.344 Ka lura, wajibcin karɓar kuɗi na hannu misali ne ɗaya kawai daga cikin ƙa'idar da aka 20:28.344 --> 20:31.599 gabatar wadda ke buƙatar a inganta ta gaggawa. 20:31.599 --> 20:36.359 A ganinmu, akalla akwai abubuwa 13 da dole ne a inganta. 20:36.359 --> 20:40.530 Mun riga mun aika waɗannan shawarwari guda 13 na ingantawa a cikin wasiƙa zuwa Kwamitin 20:40.530 --> 20:42.759 Harkokin Kuɗi na Majalisar Dokoki ta Turai. 20:42.759 --> 20:46.880 Amma mu koma kan bayanin Ms Lagarde. 20:46.880 --> 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. 20:54.279 --> 20:57.599 Umarnin Ms Lagarde ya bayyana: 20:57.599 --> 21:02.720 An nufa e-euro don ƙara wa kuɗi na hannu, ba don maye gurbinsa ba. 21:02.720 --> 21:05.279 Ga wani karin magana don wannan: 21:05.279 --> 21:10.039 Kudi na ba mu fa'idodi da dama daban-daban. 21:10.039 --> 21:13.839 Zan so in yi wannan alama da wannan buket na furanni. 21:13.839 --> 21:20.200 Kuma kowanne fure fa'ida ce wadda ta dade tana ba mu kudi. 21:20.200 --> 21:26.400 Tarayyar Turai yanzu tana son samun wata kuɗin doka, wato e-euro. 21:26.400 --> 21:35.240 Kuma buƙatar ita ce cewa e-euro na ƙara ne ga kuɗi na hannu – wato a zahiri ƙari ne. 21:35.240 --> 21:45.259 Amma ba burin e-euro ya tura kuɗi na hannu a hankali zuwa gefe har ya kawar da shi ba. 21:47.119 --> 21:54.253 Abin takaici, an tsara ƙa'idodin da aka gabatar ta yadda suke goyon bayan kuɗin halal da ba a 21:54.253 --> 21:58.720 kafa ba kuma suke nuna rashin adalci ga kuɗin hannu. 21:58.720 --> 22:06.839 Dangane da dokar kudi ta yanzu, kudi ba su da makoma mai ɗorewa. 22:06.839 --> 22:09.400 Ana buƙatar gaggawar ingantawa anan! 22:09.400 --> 22:15.440 Aƙalla maki 13 na buƙatar ingantawa sosai. 22:15.440 --> 22:22.519 A gaskiya, mafita tana da sauƙi sosai: ana buƙatar sharuɗɗan tsarin da suka yi daidai ga kuɗin doka. 22:22.519 --> 22:29.640 Kuma dole ne waɗannan su kuma shafi duk kuɗaɗen da doka ta halatta, wato e-euro da kuɗin hannu. 22:29.640 --> 22:35.039 Ba zai yiwu a ba wata takardar kuɗi fifiko kan wata ba. 22:35.039 --> 22:40.880 Wannan bidiyo yana nufin dukkan 'yan Majalisar Turai da 'yan Majalisar Jamus. 22:40.880 --> 22:45.559 Babu ɗan siyasa da ya kamata ya ce bai sani ba. 22:45.559 --> 22:49.636 Na gode ƙwarai da gaske da ɗaukar lokaci don la'akari da wannan muhimmin batu. 22:49.636 --> 22:55.960 Kuma idan ba ku yi hakan ba tukuna, don Allah ku sanya hannu kan bukatata ta kudi a www.bargelderhalt.eu