 : Dhaqaalaha iyo dawladuhu waxay si cad u noqon karaan masiibo, laakiin dhaqaalaha hantida muwaadinka maaha inuu noqdo. Qoraal ka yimid Leon Faust oo ku saabsan bilaabista MyPursePay  Haddaba, waa maxay su'aashu? Waa digaag miis kasta oo guri leh. Su'aashu maaha kaliya fikrad - waa dood ku saabsan waxa dhabta ah ee lagu gaari karo dhaqaalaha adduunka oo lagu soo bandhigay isbar-bar-dhig ku saabsan sida looga hortago la'aanta sahayda xagjirka ah ... mid ay hubaal tahay.   Laakiin waxaan nahay xaqiiqo-yaqaano, oo waxaynu ognahay sida ay arrimuhu yihiin: digaag dheri kasta waa khalad weydiin. Waa su'aal nacas ah.  Haddaba, aynu ajandaha samayno (waayo waanu dhibaynaa). Xataa ajandahayaga aqoonta, kala qaybinta dadaalka iyo caqliga, iyo sababta fulinta, waa wax la taaban karo:  Amateurish-ka.  Caasimadaha xooggan ee sirdoonka, kheyraadka, iyo shabakadaha, ajendayaal hubaysan oo leh ujeedooyinka saamilayda.  Marka hore, igu dar qeexid: hiwaayadda.  Hiwaayadda waxa uu u qabtaa hawl uu ku raaxaysanayo halkii uu ka ahaan lahaa xirfad ama faa'iido dhaqaale. Taasi sinaba uma aha ku dhawaaqida dhul sare oo wanaagsan - dhab ahaantii, waa duruufo keli ah oo ii soo jiiday jagadayda - qasab maan dooran.  Sidee u badbaadaa muwaadinka dhaqaaluhu xumaaday? maxay sameeyaan marka ay awood u yeelan waayaan sawirka weyn? Anigu ma ahi dhaqaale yahan, mana ihi shakhsi siyaasad ahaan wax akhriya, laakiin waxaan ahay injineer aqoonsaday xal aan dhibaato lahayn oo khibradda shakhsiga ah, oo u daaya qaabaynta dhaqaale ee kuwa dhibaya. Muwaaddiniinta Nayjeeriya waxay ku sugan yihiin dhibaato. Naira (Lacagta Nayjeeriya) waxay maalin walba luminaysay qiimihiisii sicir bararka, aad ayay u jahawareertay. Si aad u fahamto - haddii aad hesho hal naira maalin kasta, afar sano oo toos ah, weli ma aad samayn doontid dollar.   Waxay noqon doontaa wax aan caadi ahayn muwaadiniinta celceliska ah ee dhaqaalaha ku jira inay istaagaan iyagoo aan jahawareer lahayn - in badan oo ka baxsan aqoonta. Mushaharka ugu yar ee federaalku wuxuu ahaanayaa wax ka yar 50 doolar bishii - taas oo inta badan aan la taaban karin. Faqrigu wuu kordhaa; kala qaybsanaanta maalka ayaa sii korodha.  Wax badan baa jiray in la soo xidho, inteeda badan waa masiibo kale - laakiin hal shay ayaa fahmay qof kasta oo u seexday ujeeddo inuu soo tooso:  Ama waxaad samaysaa lacag badan,  Ama ka faa'iidayso mid kasta oo aad maamusho.  Midka hore ayaa hubaal ah inuu yahay mid soo jiidasho badan, laakiin aan aad loo gaari karin inta badan, sababo muuqda dartood. Tan dambe? Waan la shaqayn karnaa taas. Su'aashu waxay ahayd, sideen uga faa'iidaysan karaa lacagta aan haysto, inta aan isku dayayo in aan dhexgalo dhibaatada kharashaadka, iyo shaqada adag ee kasbashada badan. Si aan tan u sameeyo, waa inaan ku soo noqdaa liiskayga mudnaanta, laakiin markan, oo qori madaxayga ku haya.  Runtii ma inaan iibsado cunnooyinka shanaad ee maalintii? Maya  Runtii ma ku qasbanaay inaan baasto ku karsado afar ukun? Maya  Runtii miyaan ku qasbanaay inaan amaahiyo qofka aan wada deganahay lacag mar kasta oo uu iga codsado? Maya  Runtii miyaan ku cunay boorashkaygii caanaha intaa le'eg? Maya   Sida ay soo baxday, marka cadaadis lagugu hayo, waxaa jirta meel aad si cad wax uga arki karto. Hadda, maxaan sameeyaa? Run bay ahayd, uma baahnin dhiirogelin dheeraad ah si aan u dhimo kharashaadka, laakiin jannadu way ogyihiin in ay dhammaan ka fududahay in la sheego. Haddii aan heli lahaa hab aan si fudud u heli karin lacagta, aad uma jecli inaan khasaariyo. Waxaan ahay injineer software ah, markaa helitaanka fikradda appku waxay ahayd mid dabiici ah, maadaama aan ogaa waxa la samayn karo. Nasiib darrose, ma helin wax apps jira oo tan samaynaya, markaa maan helin kayd. Laakiin waan u samayn karaa kuwa kale. Oo waxaan waydiiyay - waxaan la sheekaystay laba saaxiibo ah, waxayna ku heshiiyeen arrin khusaysa.  Baro MyPursePay, abka fintech kaas oo u oggolaanaya isticmaaleyaasha inay jadwaleeyaan lacagtooda maalmo, toddobaadyo, ama bilo - awood u siinaya inay xidhaan, oo u oggolaanaya oo keliya inay ku bixiyaan qaddarka ay dejiyeen dhacdada jadwalka ay sameeyeen.  Si taas loo eego, haddii aad haysato 30 doolar oo aad ku kharash garayso 30 maalmood (bishii) gaadiidka, oo ay ku kacayso hal dollar maalintii baska raacitaanka, si loo hubiyo inaadan waligaa kaa dhammaanin lacagtaas, sababtoo ah Kharashyada lama filaanka ah ama iibsiyada kediska ah, waxaad ku ballansan kartaa hal dollar maalinti abka MyPurse. Subax kasta, hal dollar ayaa laguu sii daayaa baska aad raacdo, halka lacagta inteeda kale ay tahay mid aan laguu heli karin ilaa maalinta xigta.   Muwaadiniinta Nayjeeriya waxay si weyn ugu hawlan yihiin dhijitaal ahaan, markaa ma jiri doonaan caqabado la isticmaali karo ama caqabad ku ah gelitaanka. Dhanka fikradda, waa inay is caddeyso. Xafiisyada xafiisyada, aflagaadada siyaasadeed, iyo tafaasiisha aan naxariista lahayn ee ku saabsan sababta dhaqaaluhu u burburay ayaa ka baxsan doona dadka caadiga ah. Ma maamuli karaan waxayan garanayn, awoodna uma laha. Erayadu macno badan kuma laha Nigeria, ma aha heer kasta oo khuseeya fikradaha dimuqraadiyadda. Muwaaddinku waxa uu qaban karo waa in uu la qabsado, oo uu noolaado.  Hadda, tixgelintaada, waxaan ahay mawduuca qeexida: hiwaayadda. Waxaan u imid inaan arko ganacsigayga oo helaya isku-xidhnaan la'aan dareen wanaagga muwaadinka caadiga ah. Anigu waxaan ahay Nigerian si kastaba, oo waa maxay nin aan rabin inuu u adeego dalkiisa hooyo? Laakiin ganacsigani waa da'yar - waa mid aan khibrad lahayn oo, dabiici ahaan, caqabad ku ah. Laakiin waxay siin doontaa sida ugu fiican iyada oo aan loo eegin. Sababtoo ah taasi waa waxa ay badbaadayaashu sameeyaan.  Farxad,   Leon

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