Yawan Riba ya yi yawa a Indiya don Sashin MSME
Nitin Gadkari, Ministan MSME, Indiya

Kananan 'yan kasuwa a kowace ƙasa suna fama da mummunan tasirin ƙwayar cuta ta corona amma a Indiya, ɓangaren Micro, Small & Medium Enterprises (MSME) yana fafatawa a fagen fama biyu. Ƙananan buƙatu da ƙimar riba mai girma.

COVID-19 ya canza duniya har abada. Muna bukatar mu bayyana sarai game da shi. Ba yadda muke rayuwa kawai ba amma yadda muke kasuwanci, komai zai canza. Duniya tattalin arzikin wannan annoba ta tsaya cik kuma kananan ‘yan kasuwa ne suka fi fama da wannan rikici.

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Ƙananan 'yan kasuwa a kowace ƙasa suna fama da mummunan tasirin wannan ƙwayar cuta amma a Indiya, ɓangaren Micro, Small & Medium Enterprises (MSME) yana fafatawa a gaba biyu. Ƙananan buƙatu da ƙimar riba mai girma. The kudin amfani ya bambanta daga kasuwanci zuwa kasuwanci. Bankunan suna cajin komai daga 10.5% zuwa 16% a kowace shekara. Matsakaicin tushe na Bankin Reserve na Indiya (RBI) shine 9.5%. Babban bankin sashin jama'a na Indiya, Babban Bankin Jiha na Indiya (SBI) yana cajin 10.5% -14% akan Lamunin Mudra, waɗanda ake nufi don ƙananan masana'antu da ƙananan masana'antu.

Babban Ministan MSME, Mr Nitin Gadkari a yau ya gaya wa Indiya Review cewa yawan riba a Indiya yana da yawa kuma suna neman zaɓuɓɓuka don ba da izini NBFCs don karɓar babban jari daga ƙasashen waje inda farashin ruwa ya yi ƙasa. Ya fadi haka ne a cikin wani gidan yanar gizo wanda reshen New Delhi na kungiyar masu aiko da rahotannin kasashen waje (FCC) na Kudancin Asiya ta shirya. Ya kuma kasance da kwarin gwiwa game da shirin agajin da ma'aikatar kudi ta sanar. Ya nace cewa kunshin bashi na 3 Lakh Crore zai taimaka wa MSMEs don kula da kwararar tsabar kudi.

Amma masu kasuwancin sashen MSME suna rokon su bambanta da Ministan MSME. Dangane da batun sakaya suna, memba na wata fitacciyar kungiyar masana'antu ya shaida wa Indiya Review cewa babu wani mai kasuwanci mai hankali da zai karbi sabbin lamuni lokacin da ba shi da wata bukata. Bayan haka, babu wanda zai iya biyan albashi ga ma'aikatansa ta hanyar kuɗin lamuni.

Puran Dawar, President, AFMEC, India

Puran Dawar, Shugaban Kamfanin Kafaffen Kafa na Agara (AFMEC) ya ce, “FM ta mai da hankali sosai kan sashin MSME a cikin kunshin agajin ta, adadin 3 lakh crores da asusun daidaito na 50000 CR don sashin SME tabbas zai haɓaka MSME. Bangaren amma tsadar rance har yanzu babban kalubale ne ga kananan kasuwanci a Indiya.

Ministan Kudi Nirmala Sitharaman a kwanan nan ya ba da sanarwar jerin matakai na kanana, kanana, da matsakaitan masana'antu (MSMEs). Kunshin ya hada da lamuni na kyauta har zuwa Rs 3 lakh crore wanda garantin gwamnati ya goyi bayan, biyan kudaden MSME a cikin kwanaki 45 masu zuwa. Mafi mahimmancin sanarwar ita ce canjin ma'anar MSMEs.

'Yan jaridun waje da ke zaune a Indiya suna hulɗa tare da Ministan MSME Mista Nitin Gadkari

Don layin lamuni na gaggawa zuwa MSMEs daga bankuna da NBFC har zuwa kashi 20% na babban kiredit kamar yadda aka yi a ranar 29.2.2020, da masu lamuni da har zuwa Rs. 25 crores yayi fice kuma Rs. Canjin 100 crore zai cancanci. Lamunin za su kasance suna da shekaru huɗu tare da dakatar da watanni 12 akan babban biyan kuɗi.

Amma batu mai ban sha'awa shi ne cewa sashen MSME ya riga ya zo ƙarƙashin rancen sashen fifiko. Wanda ke nufin cewa a kowane yanayi dole ne bankunan su ba da kashi 40% na ƙimar su gabaɗaya ga sashin fifiko wanda kusan kashi 10% ke zuwa sashin MSME.

Har zuwa Disamba 6, 2019, jimlar rancen da bankunan Indiya suka yi ya kai kusan. Rs 98.1 lakh crore don haka kashi 10% na wannan adadin kusan. Rs 9.8 crore. Don haka, wannan adadin ya riga ya kasance don sashin MSME. Duk wani rukunin kasuwanci mai daraja yana iya samun sauƙin samun wannan kiredit, musamman lokacin da bankuna ke matukar buƙatar sabon lamuni a Indiya.

Ɗaya daga cikin manyan hukumomin ƙididdiga na Indiya, ICRA kwanan nan ya zo da wani Rahoton , wanda ke nuna cewa bashin banki zai sami mafi ƙarancin girma cikin shekaru 58. A cewar ICRA, ana sa ran ci gaban kowace shekara (yoy) a cikin bashin banki zai ragu sosai zuwa 6.5-7.0% a cikin FY'2020 daga kashi 13.3% a lokacin FY2019 bisa la'akari da ƙayyadaddun haɓakar ƙimar ƙima a cikin shekarar kuɗi ya zuwa yanzu.

Don haka wannan kunshin tallafin ba wani abu bane wanda ke faranta wa masu kasuwancin sashin MSME rai. Suna buƙatar abubuwan ƙarfafawa na gaske don tsira. Kamar cire riba nan take da rage cajin ribar banki.

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Piyush Srivastava

Mawallafi: Piyush Srivastava babban ɗan jaridar kasuwanci ne daga Indiya kuma ya yi rubutu akan Masana'antu da Tattalin Arziki.

Ra'ayoyi da ra'ayoyin da aka bayyana akan wannan gidan yanar gizon na marubucin ne kawai da sauran masu ba da gudummawa, idan akwai.

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2 COMMENTS

  1. Cikakken labarai na nazari na Indiya Review ..
    Bukatar ranar don SME's Low ribar rates zuwa Scale , futuristic infra dogon lokaci planing..Wages n albashi support for lock down period from ECIC .. wanda shi ne mu kudi da kuma nufi ga idan ba irin wannan mataki fiye da yaushe ?? Hakanan mun ba da shawarar cewa ana iya sake cika wannan asusun ajiyar ta hanyar ƙara gudummawar kashi 1%.

  2. Abubuwan lura masu ban sha'awa sosai.
    Wadannan abubuwa dole ne a sanar da mutanen da ke kan gaba.
    Babban karatu Mista Srivastava! Ci gaba!ðŸ'

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