Daga Alqalamin Yusuf Yakubu Yusuf
08066916130
Arc Dangiwa Ahmed
Musa dan Asalin jahar Katsina ne, yayi Digirinsa ta farko da ta biyu ne a
jami’ar Ahmadu Bello dake zaria a jahar kaduna a fannin zanen gine-gine (Architecture).
Ya kuma ci gaba da karatu inda yayi degree ta MBA a jami’ar Wharton dake
Pennsylvania, a kasar Amurka, sannan yayi wasu kwasa-kwasai na zanen gine-gine
da na’ura mai kwakwalwa, kara wa juna sani akan harkan gine-gine da kuma
shugabanci.
Mutanen kwarai
basu boyuwa koda kuwa sun boye kansu sai ALLAH ya nuwa wa mutane halin su na
kwarai komin tsowon zamani. Haka zalika, ya zama dole a gare mu domin mu fito
mu aiyana irin wadannan mutanen a ciki al’umma. Arch Musa Dangiwa yana daya
daga cikin wadannan mutanen. Haka yasa dole mu fito mu nuna wa jama’a musamman
al’ummar jahar katsina waye Arc Ahmed Musa domin su bashi gudunmawa domin kai
wa zuwa gaci don ci gaban al’umma baki daya. Arc Ahmed musa dan asalin jahar
katsina ne kuma tsohon shugaban ma’aikatar bada lamunin gidaje ta gwamnatin
tarayya watau Federal Mortgage Bank of Nigeria (FMBN) matsayin wanda shugaban
kasa Muhammadu Buhari ya nada shi a shekarar 2017.
Babu kokwanto
cewa jan ragamar aiyuwan gine-gine da dama da yayi a fadin kasar nan ya bude
masa ido wajen fahimtar matsalolin rashin ishenshun gidaje da ake fama dasu a
kasarnan. Wanan ya hada da aiki da yayi tare da kampanin TRIAD Associates
Kaduna, a inda ya samu damar kwarewa da sanin makaman aiki a fannin zana gine-gine da kuma kula da gina su. Hakan
ya bashi ikon zama mataimakin shugaba a wannan kampani na TRIAD Associates. A
sahel Mortgage kuma, ya samu Karin matsayi daga Property manager zuwa shugaban
fannin credit controlsannu zuwa matsayin manager mortgage banking.
Kadan gada
cikin nasarorin daya samu zan bayyana muku cikin izinin Allah.
1.
A
lokacin daya fara aiki a wannan ma’aikata, ya samu ikon gano cewa mafi yawancin
gidajen da bankin ya gina mutanen basu iya samun damar mallakar su saboda tsada
da kuma yawan kudin, hakan yasa Arc Dangiwa ya fito da wani tsari mai suna
“rent to own” watau za’a baka gida akan wani ka’idadden kudi wanda zaka biya a
cikin wasu shekaru ta hanyar biyan wani sashi na kudin a karshen ko wani wata.
Ta wannan hanya ne bankin FMBN a jahohin Nigeria suna samu damar bawa sunane
gidaje a masayin masu zaman haya har sai sun gama biyan kudin gidan baki daya
sai gidan ya zama mallakin su halak malak.
2.
Dangiwa
ba nan ya tsaya ba, ya kawo tsari na inshora (insurance) a cikin tsarin bada
lamunin gidajen na gwamnatin tarayya. Amfanin wanna tsayi kuwa shine idan gidan
da mutum yake ciki yayi gobara ko ruwa mai karfi ko wata annoba ta fada masa,
wannan inshora zata dauki nauyin gyaran
gidan, idan kuma inshora din mai gidan ta hada na tsarin inshora na mutuwa, toh
FMBN zasu ida biyan kudin wannan gidan a
maimakon iyalen wanda ya rasu.
3.
A
wani fannin kuma, Dangiwa yasan cewa mutanen Nigeria suna da kokwanton bi ta
hanyar lamunin bada gidaje na gwamnatin tarayya domin mallakar gidaje. Ya kara
da cewa ma’aikacin gwamnati ba zai iya biyan kasha 30 cikin dari na kudin gidan
na yake bukata ba, kamar yadda bankunan yan kasuwa suke bukata. Saboda haka
yasa a karkashin jagoran cin sa suka fito da wani tsari ta hanyar rage kudin da
ma’aikaci zai fara biya idan yana son gida zuwa kasha goma kachal cikin dari a
maimakom kashi 30 a gidan daya kai milyan 10. A misali idan mutum yana son
gidan miliyan goma, a da zai fara biyan kashi 30% watau Miliyan uku, amman ta
wanna tsari, ma’aikaci zai biya miliyan daya ne kadai ta tashin farko watau
kasha goma na kudin gidan. Ta wannan tsari ne mutane da dama suka samu damar
mallakar gidaje.
4.
Ga
masu cewa gwamnati tana tafiyar hawainiya wajen samar da gidaje, Arc Dangiwa ya
basu amsa inda yace babu kasar data samu nasarar smar da gidaje ma yan kasa ba
tare da tallafi daga gwamnati ba, wanna yasa ya zama dole a karfafa ma’aikatu
masu kula da samar da wannan tallafin wanda anan Nigeria itace FMBN domin yin
aiki yadda ya dace a cikin karamin lokaci. Ya ci gaba da kawo misali cewa a
kasar Malaysia wanda sun samu nasarar hakan. Haka zalika kasar Canada ma nata
tsarin ya hada da bada gudummawa watau contribution cikin wannan tsari daga yan
kasa tun daga ramar da mutum ya fara aiki. Wannan itace kadai hanyar da zaa
tara kudin da zasu isa mutane sun mallaki gidaje cikin kankanin lokacin a cewar
Arc Dangiwa.
5.
A
wani gefe kuma, bayan neman mafita ga matsalar samar da gidaje ma yan Nigeria,
arc dangiwa bai tsaya nan ba, yayi kokari wajen samarwa da inganta walwala ma
masu aiki a karkashin sa watau ma’aikatan FMBN. A cewar sa lokacin daya fara
shugabancin FMBN, a samu gwiwar ma’aikatan tayi sanyi saboda dalilai masu yawa.
Kadan daga ciki shine wasu ma’aikata basu samu Karin girma ba har tsawon
shekaru goma, Amman da zuwan Arc Dangiwa duk an kara musu girma kamar yadda ya
dace a bisa doka. Sai kuma batun wadanda aka basu rancen kudi don samun gidaje
wadanda kudin suna hayar gida bai kai a basu wannan ranceba ko da a wajen garin
Abuja ne, Arc ya tabbatar da an kara musu kudin da ake bayarwa na gida har zuwa
kashi dari. Wannan duk yayi domin su samu karfin gwiwa suyi aiki cikin natsuwa
da nishadi.
6.
Akwai
kuma batun ma’aikata na wucin gadi watau casual staff guda 276 da Arc Dangiwa
ya samu a lokacin daya fara aiki a FMBN, wadannan ma’aikata ana biyan su 40,000
a duk wat aba tare da kuma an basu takardar aiki na dindindin ba alhali wasu daga
cikin su ma digiri ne dasu. Wanna yasa Arc dan giwa ya bawa fiye da kashi
hamshin na wadannan ma’aikata takardar aiki da dindindin.
7.
Ya
kuma kawo amfani da takardar mallakar fili (certificate of occupancy) wajen
mallakar gidaje, a maimakon banki ya sayi gidaje ya rabawa wa ma’aikata domin
su biya a tsawon wani lokacin, sai ya kasance an koma bayar da rancen kudi
domin ma’aikata su gina gidajen su akan filin da suka mallaka a ko ina filin
yake a fadin Nigeria. Ana bada kudin ne a matakai uku. Ana fara bayar da kasha
30% domin a fara gini, 30% idan an kai matakin rufa gidan sannan 40% domin
kamala aikin ginin gidan.
8.
Kafin
Arc Dangiwa ya karbi ragamar FMBN, mafi yawancin aiyukan banki ana gudanar dasu
ne ta hanyar gargajiya ba tare da amfani da na’ura mai kwakwalwa ba, amman yana
fara shugabancin wannan banki mafi yawa na aikin bankin ya koma ta hanyar amfani da komputa. Kawai
zaka danna *219# ne a wayar ka ta hannun domin mu’amala da bankin cikin sauki a
duk inda kake a fadin duniya. Wannan anyi shi ne don tabbatar da gaskia da
samun sauki wajen aikin banki ba tare da boye boye ba.
9.
Abu na
gaba daya kawo na ci gaba a wannan baki shine rage aikin bankin daga babban
ofis din sun a Abuja zuwa jahohi, kafin zuwan Arc dangiwa, bada gidaje kawai
anayi ne a hedkwata, amman yanzu jahori zasuiya bada shawari na bada gida zuwa
da hedkwata. A dalilin haka ne bankin ya bayar da kudin da suka kai biliyan 30
a cikin shekaru uku da suka wuce (2017 2020). An samu kari sosai in aka lura da
cewa a shekaru 25 da suka wuce (1992 – 2017) bankin ya saki biliyan 10 ne
kacal. Wannan ya nuwa cewa an samu karin 310%
na kudin da banki ya sake a karkashin Arc Dangiwa.
10. Bugu da kari, lokacin da yake jagorantar wannan ma’aikata, yayi
aiki tukuru cikin amana da kishin kasa, hakan yasa yaga ya zama dole domin ya
haka kai da gwamnatin jahar katsina karkashin jagorancin gwamna Hon Aminu Bello
Masari domin ganin an samu hadin kai a tsakanin manyan jahar katsina, yan
siyasa da kuma sauran mutanen jahar katsina baki daya.
11. Wannan irin kudiri nasa na nagarta da kishin kasa ya haifar da da
ko uma ya;ya masu ido ta hanyar samar da fahimta da jituwa cikin abota a
tsakanin yan jahar kasina a fadin duniya baki daya. Wanna ya kawo mana ci gaba
da shigar al;umma cikin harkan mulki don kawo ci gaba mai daurewa har abada.
12. A skerarar da ta gabata ne watau 2021 kungiyar nan mai suna Housing
development advocacy agency (HDAN) karkashin jagorancin Mista Festus Adebayo suka
bashi lambar yabo ta gwazon shekara a wani taro a akayi a abirnin tarayya
Abuja. Mista Adebayo yace anba Arc Dangiwa wannan lambar yabo ne a bias namijin
kokari da yake yi wajen samar da gidaje wa yan Nigeria baki daya cikin sauki
kuma cikin takaitaccen lokaci. Kadan daga cikin nasarorin arc dangiwa shin
araba makuden kudi kimanin Biliyan 169.8 a matsayin rancen gidaje a cikin
shekarun 2017 zuwa 2021, kari na fiye da kasha dari a kan kudin da aka fitar
lokacin da aka haka National Housing Funds watau NHF shekaru 25 da suka wuce.
Waddanan kadan
Kenan daga cikin nasarorin Arc Dangiwa ya samu a matsayin sa na shugaban
ma’aikatar bada lamunin gidaje ta gwamnatin tarayya watau Federal Mortgage Bank
of Nigeria (FMBN) 2017 – 2022.
#DANGIWA_IS_COMING_2023
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