Umbono uwukuthuthukisa ukukhiqizwa kwezolimo ezweni, kuyilapho iNigeria ifuna ukuguqula ibhalansi yayo engalungile yokudla.
Kodwa-ke, isinyathelo sokuqala kuzoba ukuthi izwe likwazi ukuzimela ngokudla ngokuthi okungenani “likhulise ukudla kwethu” bese limisa ukuthengwa kweLuck kokudla kwamanye amazwe.Bekungasiza ukonga imali yangaphandle eyivelakancane bese iyisebenzisela ezinye izidingo ezicindezelayo.
Okubalulekile ekuzuzeni ukuvikeleka kokudla isidingo sokweseka abalimi baseNigeria, iningi labo elisebenza kwezolimo oluncane olukwazi ukuzimela ukuze luhlole ezolimo ezinkulu ezisetshenziswa ngemishini nezohwebo.Lokhu kuholele embonweni wohlelo lokuboleka okugxilile oluthuthukiswe yiBhange Elikhulu LaseNigeria (CBN)
I-Anchor Borrower Programme (ABP) eyaqalwa nguMongameli u-Buhari ngoNovemba 17, 2015 ihlose ukuhlinzeka abalimi abancane (i-SHF) ngemali kanye nezinto ezisetshenziswayo zasepulazini.Lolu hlelo luhlose ukusungula ukuxhumana phakathi kwezinkampani ezisebenza kanzima ezisebenza ekugayeni ukudla kanye ne-SHF yemikhiqizo yezolimo ebalulekile ngokusebenzisa izinhlangano zempahla.
UMongameli uyaqhubeka nokuvimbela i-CBN ekunikezeni imali yangaphandle kwabathenga ukudla kwamanye amazwe ukukhuthaza ukukhiqizwa kokudla kwasekhaya, athe kuyisinyathelo esibheke ekuvikelekeni kokudla.
UBuhari usanda kugcizelela ukugcizelela kwakhe ezolimo emhlanganweni namalungu ethimba lezomnotho.Kulowo mhlangano utshele abantu baseNigeria ukuthi ukuncika emalini yokudayiswa kukawoyela ongahluziwe akusakwazi ukusimamisa umnotho wezwe.
“Sizoqhubeka nokugqugquzela abantu bakithi ukuthi babuyele kulo mhlaba.Izicukuthwane zethu zifakwe umqondo wokuthi sinowoyela omningi, izwe silishiya edolobheni ukuze liyofuna uwoyela.
“Sesibuyile manje emhlabeni.Akumele silahlekelwe yithuba lokwenza izimpilo zabantu bakithi zibe lula.Cabanga ukuthi yini engenzeka uma singakukhuthazi ezolimo.
“Manje, imboni kawoyela inesiphithiphithi.Ukukhipha kwethu kwansuku zonke kucindezelwe kwaba yimiphongolo eyizigidi ezingu-1.5, kuyilapho okukhiphayo kwansuku zonke kuyimiphongolo eyizigidi ezingu-2.3.Ngesikhathi esifanayo, uma kuqhathaniswa nokukhiqizwa eMpumalanga Ephakathi, izindleko zethu zobuchwepheshe ngomphongolo ngamunye ziphakeme.”
I-ABP yayigxile kakhulu kwelayisi, kodwa ngokuhamba kwesikhathi, iwindi lempahla lakhula ukuze likwazi ukuthwala izinto eziningi, njengommbila, umdumbula, amabele, ukotini kanye nejinja.Abahlomule kulolu hlelo ekuqaleni baqhamuka kubalimi abangu-75,000 ezifundazweni zombuso ezingama-26, kodwa manje selunwetshiwe ukuze luhlanganise abalimi abayizigidi ezi-3 ezifundeni zikahulumeni ezingama-36 kanye naseFederal Capital Territory.
Abalimi ababotshwe ngaphansi kwaloluhlelo bagoqela abalima okusanhlamvu, ukotini, izigaxa, umoba, izihlahla, ubhontshisi, amatamatisi kanye lezifuyo.Lolu hlelo lusiza abalimi ukuthi bathole imalimboleko yezolimo kwa-CBN ukuze bandise imisebenzi yabo yezolimo futhi bakhulise umkhiqizo.
Imali mboleko yabelwe abahlomuli ngamabhange ediphozithi, izikhungo zezezimali zokuthuthukisa, namabhange amancane ezimali, konke okuqashelwa yi-ABP njengezikhungo zezimali ezibamba iqhaza (PFI).
Kulindeleke ukuthi abalimi basebenzise imikhiqizo yezolimo evuniwe ukubuyisela imali abayibolekile ngesikhathi sokuvuna.Imikhiqizo yezolimo evuniwe kufanele ikhokhe imali ebolekiwe (okuhlanganisa uthishanhloko kanye nenzalo) “kuhange”, bese ihange lizokhokha imali elingana ne-akhawunti yomlimi.Indawo okusetshenzwa kuyo ingaba iphrosesa enkulu yangasese ehlanganisiwe noma uhulumeni wezwe.Thatha uKebbi njengesibonelo, uhulumeni wezwe uyisihluthulelo.
I-ABP iqale yathola uxhaso lwama-guilder ayizigidigidi ezingama-220 esiKhwameni Sokuthuthukiswa Kwamabhizinisi Amancane, Amancane Naphakathi (MSMEDF), lapho abalimi bengathola imali ebolekiwe engu-9%.Kulindeleke ukuthi zikhokhelwe ngokusekelwe esikhathini sokukhulelwa kwempahla.
UMbusi we-CBN u-Godwin Emefiele uthe ngesikhathi ehlola i-ABP muva nje ukuthi lolu hlelo lufakazele ukuthi luwushintsho oluphazamisayo ekuxhaseni ngemali kwe-SHF yaseNigeria.
“Lolu hlelo seluyiguqule ngokuphelele indlela ezolimo ezixhaswa ngayo futhi lusalokhu luwumgogodla wohlelo lokuguqula umkhakha wezolimo.Akulona nje ithuluzi lokuthuthukisa umnotho, ukudala amathuba emisebenzi kanye nokusabalalisa kabusha ingcebo, kodwa futhi likhuthaza ukufakwa kwezimali emiphakathini yethu yasemakhaya.”
U-Emefiele uthe njengoba isibalo sabantu ababalelwa ezigidini ezingama-200, ukuqhubeka nokuthenga ukudla kwamanye amazwe kuzoqeda imithombo yangaphandle yezwe, ukuthekelisa imisebenzi kula mazwe akhiqiza ukudla, futhi kuhlanekezele uchungechunge lwenani lempahla.
Uthe: “Uma singawushiyi umqondo wokungenisa ukudla kwamanye amazwe nokwandisa umkhiqizo wasekhaya, ngeke sikwazi ukuqinisekisa ukuthi izinkampani ezihlobene nezolimo zizohlinzekwa ngezinto ezingasetshenzisiwe.”
Njengendlela yokuqinisekisa ukuvikeleka kokudla kanye nokukhuthaza abalimi ukuthi babhekane nobhubhane lwe-COVID-19 kanye nezikhukhula zemiphakathi eminingi yezolimo enyakatho neNigeria, ngokusekelwa yi-ABP, i-CBN isanda kuvumela ezinye izikhuthazo ezizosebenza ne-SHF zithwala okufanayo. ingozi.
Lesi sinyathelo esisha kulindeleke ukuthi sinyuse ukukhiqizwa kokudla sibe sinciphisa ukwehla kwamandla emali, kanti sinciphisa ingxube yengozi yabalimi ngo-75% kuya ku-50%.Izokwenyusa isiqinisekiso semali ebolekwa i-Vertex Bank sisuka ku-25% siye ku-50%.
UMnu. Yusuf Yila, uMqondisi we-CBN Development Finance, uqinisekise abalimi ukuthi ibhange lizimisele ukwamukela iziphakamiso ezisiza ukuqeda izinselelo nokwandisa umkhiqizo.
“Inhloso enkulu wukunikeza abalimi imali eningi yokutshala ngenkathi eyomile, okuyingxenye yokungenelela kwethu ezintweni ezithile ezibalulekile.
Uthe: "Uma kubhekwa izehlakalo zakamuva ezweni, okuhlanganisa nobhubhane lwe-COVID-19, lokhu kungenelela kusifanele isigaba esibucayi sokuthuthuka komnotho wethu."
U-Yila ugcizelele ukuthi lolu hlelo lukhiphe izinkulungwane ze-SHF ebuphofini futhi lwadala izigidi zemisebenzi kwabangasebenzi eNigeria.
Uthe izici ze-ABP wukusetshenziswa kwezimbewu ezisezingeni eliphezulu kanye nokusayinwa kwezivumelwano zokuthi zingakhokhiswa ukuze kuqinisekiswe ukuthi abalimi banemakethe elungile ngentengo okuvunyelwene ngayo emakethe.
Njengendlela yokweseka ukuhlukahluka kukahulumeni kwezomnotho, i-CBN isanda kuheha abalimi bakakotini abayizi-256,000 ngesikhathi sokutshala sika-2020 ngosizo lwe-ABP.
U-Ira uthe ngenxa yokuthi ibhange lizibophezele ekukhiqizeni ukotini, imboni yendwangu manje isinezinto ezanele zikakotini zasendaweni.
“I-CBN izama ukubuyisa inkazimulo yemboni yendwangu eyake yaqasha abantu abayizigidi eziyi-10 ezweni lonke.
Uthe: “Ngeminyaka yawo-1980, salahlekelwa udumo ngenxa yokushushumbiswa, izwe lethu laba indawo yokulahla udoti wezimpahla zendwangu.”
Uzisole ngokuthi izwe lasebenzisa imali eyizigidigidi ezi-5 zamarandi ekuthengeni impahla yendwangu evela kwamanye amazwe futhi wengeza ngokuthi ibhange lithatha izinyathelo zokuqinisekisa ukuthi lonke uchungechunge lwamanani embonini luxhaswa ngezimali ukuze kuzuze abantu nezwe.
UMnuz Chika Nwaja, oyinhloko ye-ABP kwa-Apex Bank, uthe kusukela lolu hlelo lwaqalwa ngo-2015, lolu hlelo selukhuthaze uguquko lokudla eNigeria.
UNwaja uthe lolu hlelo selumumatha abalimi abangu-3 million, asebetshale amapulazi angamahektha angu-1.7 million.Unxuse abathintekayo ukuthi basebenzise izindlela ezithuthukisiwe zezolimo ukuze kwandiswe umkhiqizo.
Wathi: “Nakuba umhlaba wonke usuvele ufakwe ekhompyutheni enguqukweni yesine yezolimo, iNigeria isazabalaza ukubhekana noguquko lwesibili lwemishini.”
Abahlomuli bokuqala ababili kuHulumeni Wombuso kanye nenguquko yezolimo ye-ABP kwakuyizifundazwe zaseKebbi naseLagos.Ukubambisana phakathi kwalamazwe amabili kwazala iphrojekthi "Ilayisi Ilayisi".Manje, lolu hlelo seluholele ekutheni uHulumeni Wesifunda SaseLagos akhe indawo yokugaya irayisi ekhiqiza amathani angama-32 wezigidigidi zama-naira ngehora.
Isitshalo selayisi saqanjwa owayenguMbusi waseLagos u-Akinwunmi Ambode futhi kuhlelelwe ukuthi siphothulwe ngekota yokuqala ka-2021.
UKhomishana wezoLimo wesifunda saseLagos uNksz Abisola Olusanya uthe le mboni izohlinzeka abantu baseNigeria ngamathuba omsebenzi ngokudala imisebenzi engu-250,000, ngaleyo ndlela iqinise ukuqina kwezomnotho wezwe futhi ithuthukise ukuguquguquka kwezomnotho.
Ngokufanayo, u-Abubakar Bello, usihlalo we-Nigerian Corn Association, uncome i-CBN ngokuhlinzeka ngembewu yommbila enesivuno esikhulu kumalungu nge-ABP, kodwa ngesikhathi esifanayo waqinisekisa ukuthi izwe lizokwazi ukuzimela ngombila.
Sekukonke, amaqiniso afakazele ukuthi “Uhlelo Lokuboleka Isikhonkwane se-CBN” luwukungenelela okubalulekile emkhakheni wezolimo waseNigeria.Uma iqhubeka, izosiza ekuqiniseni imigomo kahulumeni yokutholakala kokudla kanye nokukhulisa umnotho.
Nokho, lolu hlelo lubhekene nezinselelo ezithile, ikakhulukazi ngoba abanye abahlomulayo abakwazi ukubuyisela imali abayibolekile.
Imithombo ye-CBN ithe ubhubhane lwe-COVID-19 luvimbe ukutholwa komugqa wesikweletu “ojikelezayo” wama-guilder acishe abe yizigidi eziyizinkulungwane ezingama-240 onikezwe abalimi abancane nabaprosesa ohlelweni.
Ababambiqhaza bakhathazekile ngokuthi ukwehluleka ukukhokha imali ebolekiwe kusho ukuthi abenzi benqubomgomo yalolu hlelo bahlose ukujula okwengeziwe kwezimali ezisimeme zezolimo kanye nezinjongo zokuvikeleka kokudla.
Kodwa-ke, abantu abaningi baseNigeria banethemba lokuthi uma “uhlelo lwababoleka ihange” lunakekelwa futhi luqiniswa ngendlela efanele, luzoba negalelo ekuthuthukiseni ukuvikeleka kokudla kwezwe, lukhuthaze ukuhlukahluka komnotho, nokwandisa imali engenayo yezwe yokuhwebelana kwamanye amazwe.umgwaqo.
Isikhathi sokuthumela: Jan-06-2021