Cibiyar Centre for the Promotion of Private Enterprise (CPPE) ta bayyana cewa ƙananan da matsakaitan ‘yan kasuwa (SMEs) a Najeriya na fuskantar gibin samun rance da ya kai naira tiriliyan 48, duk da gyare-gyaren da aka yi a bangaren bankuna.
A cikin wata takardar bayani da cibiyar ta fitar a ranar Lahadi, ta ce rancen da SMEs ke samu bai wuce kashi 1% na dukkan bashin bankuna ba, idan aka kwatanta da kusan kashi 5% a yankin Afirka ta kudu da Sahara, duk da cewa SMEs na bayar da gudunmawar kusan kashi 50% ga tattalin arziki da fiye da kashi 80% na ayyukan yi.
Daraktan CPPE, Muda Yusuf, ya amince cewa shirin ƙara jarin bankuna da Central Bank of Nigeria ta aiwatar ya ƙarfafa bankuna, amma ya ce har yanzu ba a ga tasirin hakan a zahiri ga tattalin arziki ba.
Rahoton ya nuna cewa bashin da ake bai wa bangaren masu zaman kansu ya kai kashi 17% na GDP a 2025, ƙasa da matsakaicin kashi 25% a yankin, da kuma kashi 34% a ƙasashen masu matsakaicin samun kuɗi. Haka kuma, ƙasashe kamar South Africa, Mauritius da Cape Verde sun fi Najeriya a wannan fanni.
An kuma nuna cewa rancen masu amfani da kayayyaki (consumer credit) na kashi 7% kacal, ƙasa da kashi 15 zuwa 25% a wasu ƙasashen Afirka, abin da ke rage ƙarfin kasuwa da bunƙasar tattalin arziki.
Rahoton ya ƙara da cewa akwai matsala a tsarin rance, inda kashi 55% na rance na gajeren lokaci ne (ƙasa da shekara guda), yayin da kashi 25% ne kawai na dogon lokaci (fiye da shekaru uku), wanda bai dace da bukatun fannoni kamar masana’antu, noma, ababen more rayuwa da gidaje ba.
Har ila yau, rabon rance ya fi karkata ga ɓangaren ayyuka da kashi 55%, yayin da masana’antu ke samun kashi 14% da noma kashi 5% kacal.
CPPE ta danganta matsalolin da yawan bashin gwamnati ke karɓa wanda ke takura wa masu zaman kansu, tsadar ruwa, da tsauraran sharudan jingina.
Ta ba da shawarar a ƙara bashin da ake bai wa ‘yan kasuwa zuwa kashi 30% na GDP, a samar da tsarin rage haɗari wajen ba SMEs rance, a ƙarfafa rance na dogon lokaci, da kuma tabbatar da cewa manufofin kuɗi suna haifar da ƙarin rance ga tattalin arziki.
“Najeriya na buƙatar ba wai bankuna masu ƙarfi kawai ba, har ma bankunan da za su yi aiki domin bunƙasar tattalin arziki,” in ji rahoton.
