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“NIDAAMKA CAYMISKA SOMALILAND: Khataraha Shirkaddaha Caymiska,Dayaca Dawladda, iyo Dhoohanaanta Dadweynaha” W/Q: Bashiir Cali

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“NIDAAMKA CAYMISKA SOMALILAND: Khataraha Shirkaddaha Caymiska,Dayaca Dawladda, iyo Dhoohanaanta Dadweynaha” W/Q: Bashiir Cali

Salaanta Islaamka oo diiran kadib.

Marka ay ardeyda jaamacadda ee aad baraha u tahay kugu boobaan Su’aaalo muhiim ah oo la xidhiidha Nidaam-ka ay u shaqeeyaan Shirkaddaha Caymiska ee ka hirgaley Somaliland (Somaliland’s Current Insurance System and Practice) – gaar ahaan baahidooda, doorkooda, shaqadooda, khatarahooda, iyo mustaqbalkooda-ba.

Marka aad aqoon u leedahay, wax badanna ka ogtahay sida uu nidaamkani uga shaqeeyo adduunka, iyo sida loo maamulo shirkaddaha ka ganacsadda nidaamkan Caymiska (Insurance System). Marka aad u kuurgasho nidaamka Caymiska ee ka hirgaley dalkani Somaliland iyo habka ay u shaqeeyaan Shirkaddaha ka ganacsadda nimdaamka Caymiska.

Marka aad walaac badan ka muujiso khataraha muuqda iyo dahsoon ee ku-ladhan nidaamka Caymiska ee Somaliand ka shaqeeya.
Marka aad qodobadaasi oo dhan aad dareensan tahay, waxa Maankaaggu kugu qasbayaa in aad qalinka uqaadato amaba laptop-ka soo jiidato, falanqeyn iyo faallo kooban-na ka tidhaahdo Mawduucan aadka u muhiimka, taabanaya nolosha qof walba oo inaga mid ah iyo ganacsiyadeena, khataro bandanna u soo jiidi kara guud ahaan nidaamka maaliyadeed iyo dhaqaale ee Somaliland hadii aan si balaadhan looga taxadirin.

Hadabba intaanan nidaamkan wax ka odhan, waxaan jeclaa in aan dul istaago arin yar oo maalin dhawayd igu abuurtey fajac iyo amakaag. Dalkeena wax ka hirgaley

oo loo ogolaadey in ay ka shaqeeyaan tirabba Saddex Shirkadood oo ku shaqeeya nidaamka caymiska. Maalin aan sidaasi u sii fogeyn oo la furayey Shirkadii Saddexdaas oo ku shaqeyn doonta nidaamka caymiska, waxa ka qeybgalayey Masuuliyiin badan oo uu ka mid ahaa Masuulka ugu sareeya ee Dawladdu u xilsaartey inuu hago, maamulo, dushana kala socodo dhamaan Hay’adaha ku shaqeeya nidaamkan Caymiska iyo guud ahaan hay’addaha maaliyadeed, waa

Gudoomiyaha Baanka Dhexe ee JSL Mudane Cali Ibraahim (Baqdaadi). Gudoomiye Baqdaadi waxa u hadal kooban oo uu madashaasi ka jeedinayey ku soo koobey;

“shirkadaha caymiska xeerkii iyo shuruucdii lagu dhaqi/maamuli lahaa ilaa hadda lama sameyn dalkanna lagama hirgelin, balse hawshiina iska sii wata…”

Kalmadaasi markii ay dhagahaygu maqleen, waxaan dareemey walaac aad u badan, waxaan is waydiiyey suaalo kooban oo ay ka mid ahaayeen; “ma ahayd in shirkadaha caymiska loo ogolaado iney hawlgalaan iyadda oo aan la sameyn xeerkii lagu maamuli lahaa amaba lagu dhaqi lahaa? Masuulkani mala socdaa khataraha ka iman kara shirkadaha caymiska marka aaney lahayn shuruucdii lagu dhaqi lahaa?

Maxay noqon karaan khataraha dhalan kara hadii aaney dawladdu usameyn shuruucdii lagu dhaqi lahaa.”

Suaalahaasi kooban jawaabahooda waxaan ku xusi doonaa xaga danbe. Balse, si aynu u fahano dulucda mawduuceena oo ah muhiimadda ay leedahay in la hago/maamulo shirkadaha caymiska ee ka hawlgalaya dalkan , waxa laga mamaarmaan ah in qofka magaalkan akhrisanaya aqoon kooban u leeyahay habka guud ee ay u shaqeeyaan shirkadaha nidaamka caymiska. Inaga oo aan haysan wakhti inagu filan, waxaan habka uu nidaamka caymisku u shaqeeyo ku soo koobayaa; in ay yihiin shirkaddo shaqsiyaadka iyo ganacsatada ka dabarra khatara iyagoo isla markaasina la siinayo lacago joogto ah oo la xidhiidha khatarahaasi ay dabbarayaan ama dhabarka u ridanayaanba.

Hadaba halkaasi markeynu mareyno, waxa muhiim ah in aynu isla fahano in Shirkadahan caymisku ku shaqeynayaan lacagaha ay ka qaadaan shaqsiyaadka iyo ganacsigayadda, si lamid ah sida Bangiyadda oo kale. Hay’add walba oo shaqadeedu la xidhiidho hantidda iyo lacagaha shacabka iyo cashuurbixiyeyaasha, waxa muhiim ah in dawladdu kormeer, maamul iyo horjoogisba ku sameyso si looga gaashaanto khatarro kasta oo ka dhalan kara nimdaanka shaqo ee hay’adahan caymiska, loo ilaaliyo hantida iyo lacagaha cashuurbixiyeyaasha ha noqoto shaqsiyaadka iyo ganacsiyadaba.

Intaasi markeynu si wanaagsan iskula fahaney, waxaan hadda jeclaan lahaa in aan idin la wadaago tusaale kooban oo inoo iftiiminaya khataraha ka dhalan kara nidaamkan caymiska ee dalkeenan ka hirgaley. Kasoo qaad in aan sameystey oo aan furtey Shirkad caymis oo la yidhaahdo “Bashiir Takaful”. Shirkadeydan caymiska ah ee aan inaba caadiga ahayn, waxaan si fudud oo degdeg badan liisanka shaqada uga helay Dawladda (Baanka dhexe amaba wasaarada ganacsiga), waxaan sidoo kale si degdeg ah u bilaabey shaqadii iyo hawshii caymiska dalka oo dhan. Waxaan u balan qaadey, aniga oo siyaasaddo badan ka saxeexaya shaqsiyaad iyo ganacsiyado badan, ka soo qaad in bishii ugu horeesey ee shaqada aan wadey in aan ku guuleysto in aan ka iibiyey siyaasaddo-caymis oo kala duwan in ku dhaw 1,000 qof oo iskugu jira shaqsiyaad iyo ganacsato, mid walbana aan ka qaado bil walba lacago joogto ah, kaba soo qaad lacagaha joogtada ah in ay yihiin celcelis ($100 * 1,000 = $100,000), celcelis bishii waxaa iga soo galaya kun-kaasi qof $100,000 (boqol kun oo dollar).

Hadaba, jabba waakan danbeeye, bal ka waran kun-kii qof ee aan ka iibiyey siyaasada caymiska, una balan qaadey in aan dabari doono khatara ku yimaado nafahooda, caafimaadkooda iyo ganacsigoodaba, hadii shan-boqol oo ka mid ahi oo goboladda dalka ku kala nool ay la kulmaan khataro ku yimaado shaqsiyadooda ama ganacsigooda, sababana khasaare maaliyadeed oo midkiiba celcelis ahaan dhan $10,000, xisaabtu waxay isku badaleysaa (500qof * $10,000 = $5,000,000). Arintu markey halkan mareyso, ee Shirkadeydii aan inaba caadiga ahayn laga rabo lacag dhan $5Milyan, macaamiisheydiina aaney ka warqabin xaaladan, mid walba

oo kamid ah macaamisheydanna uu iga rabo celcelis $10,000, aniga iyo shirkadeydii caymiska ee “Bashiir Takaful” markii anau dib iskugu noqoney waxaanu

macaamiisha bishii ka helney $100,000 (boqol kun oo dollar) balse hadda waxay rabaan $5Milyan, waaryaa ilaahay yaqaana oo waxan iskugu kaaya fadhiisiya. Waar bal u kaadiya, dawladda xageeda wax ma inaga yaalaan raasamaal iyo hanti kale, Maya!… xeerkii iyo shuruucdii lagu lafa-guri lahaa hawlahan weli lama sameyn. Waar bal waayahay’e nimankii meeshan “Bashir Takaful” ila furey oo wax igala lahaa bal soo waydiiya in ay $5Milyan soo heli karaan, May Xaaji! Haka suguin!.. halkaasi markey mareyso, arintu waxay ka fursan waayeysaa maxsuulkii aadka u foosha xumaa ee mashruucii “jiif-oo-jaq” ku danbeeyey.

Waxyaabaha kale ee muhiimka kadhigaya in ay dawladdu maamusho hay’addahan ku shaqeynaya nidaamka caymiska waxaan ka xusi karaa:

1. Habka iyo qaab-dhismeedka loo wada yeelanayo shirkadaha ku shaqeya nidaamka caymiska;

2. Heshiisyadda caymiska ee dhexmara Shirkadaha caymiska iyo shaqsiyaadka/ganacsata la cayminayo si looga hortago khiyaano, musuqmaasuq iyo ku takri-falid hantiyeed oo lagu sameeyo shaqsiyaadka iyo ganacsiyadda ay shirkadaha caymisku adeegyadooda u fidiyaaan;

3. In ay dawladdu hubiso in shirkadaha caymiska ay leeyihiin awoodda-maaliyadeed ee ay ku fulin karaan balanqaadyadda ay u sameeyaan shaqiyaadka iyo ganacsiyadda ay u fidiyaan adeedyadda caymiska;

4. In ay dawladdu hubiso in nidaamka iyo habka ay u shaqeeyaan shirkadaha caymiska si buuxda u waafaqsan yihiin shareecada suuban ee Islaamka;

5. In lakala xadeeyo shaqadda iyo adeegda caymiska ee ay fidiyaan shirkadaha caymisku, iyo sidoo kale maalgashiyadd ay sameeyaan shirkadaha caymisku.

…LA SOCO Qeybta 2aad iyo talooyin la xidhiidha ka hortaga khatara kadhalan kara in aan dawladdu maamulin Shirkaddaha ku shaqeeya nidaamka Caymiska!

Alla Mahad Leh!

Bashir Ali Abdi (Bashirudin)

Nairobi, Kenya.

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