Takardun lamuni na Musulunci da Benin ta sayar yana ƙarfafa sauran ƙasashen Afirka su gwada hada-hadar kuɗi mai bin tsarin Shari'a, bayan samun buƙatu masu ƙarfi da suka nuna yiwuwar faɗaɗa hanyoyin samun kuɗi, da jawo babban rukuni na masu zuba jari, in ji masana da masu nazari.

Gatien Bon na kamfanin hada-hadar kuɗi na duniya, Rothschild, wanda ya yi aikin ba wa Benin shawara kan sayar da takardun lamunin a kasuwannin duniya, ya bayyana sayar da sukuk ɗin a matsayin “mahimmin sauyi” ga masu karɓar bashi na ƙasashen Afirka.

“Wannan yana ƙara faɗaɗa tushen arziƙi a fannonin, kuma sakamakon haka dangane da tushen masu zuba jari a Afirka,” in ji Bon.

Benin, wadda ta sayar da sukuk na shekaru bakwai tare da sake sayar da lamunin dalar a 2038, ya samu gamammiyar odar ta fiye biliyan $7, wanda ya wuce girman abin da aka tsara.

Zaɓuɓɓukan dabaru

“Muna ganin ƙasashe da dama suna zuwa wurinmu suna neman dabaru… suna ƙoƙarin fahimtar yadda waɗannan suke aiki da su wa ye a kasuwar,” in ji Nicole Kearse, shugabar harkokin kuɗaɗen ƙasa a African Legal Support Facility.

Sukuk ya zama “babban fage da ake sha'awa”, in ji Kearse, wadda take wata cibiya da ke ƙarƙashin Bankin Cigaban Afirka (AfDB), wadda ke ba gwamnatoci shawara kan batutuwa kamar kasuwannin hannun jari, sanda take magana a lokacin wani taron tattaunawa ta yanar gizo a farkon makon nan.

Bashar Al-Natoor, shugaban fannin kuɗin Musulunci a cibiyar Fitch Ratings, ya ce sayar da sukuk a Afirka ya ƙaru zuwa dala biliyan $3 a 2025, daga dala miliyan $112 a shekarar da ta gabata, inda babban dalilin shi ne dawowar kasuwancin Masar na dala biliyan $2.8 bayan shekara ɗaya da hutu. Idan an kwatanta, sayar da lamunin a kasuwannin duniya a Afirka ya zarce dala biliyan $13, daga cinikayya daga Nijeriya, Afirka ta Kudu, da Kenya.

Zuwa yanzu a 2026, sayar da sukuk ya kai fiye da dala miliyan $580, mafi yawansu daga sayarwa ta farko daga Benin na dala miliyan $500, in ji Al-Natoor.

Nijeriya, wadda ta riga ta fitar da sukuk a kuɗin gida, tana cikin ƙasashen da ke bincika mafita na kuɗin Musulunci a dalar Amurka, inda Shugaba Bola Tinubu yake neman amincewar majalisa don sayar da sukuk na kasuwar duniya na farko a bara.

Senegal ita ma ta ce tana duba kasuwannin sukuk na cikin gida da na ƙasa-da-ƙasa.

Admassu Tadesse, shugaban Trade and Development Bank, ya ce za a samu fa'idoji da dama ga gwamnatoci idan idan suka samu damar samun tsabar kuɗi daga masu zuba jari daga ƙasashen Gulf.

“Akwai ƙarin sha'awa daga (Gulf) wajen samar da kuɗi ga kasuwannin da ke tasowa, musamman Afirka,” in ji Tadesse, a lokacin wani taron tattaunawa.

Shingayen gudanarwa

Ƙasashe da yawa masu ƙarancin kuɗi ba su da tsarin doka da ƙa'idoji da za su ba da damar fitar da sukuk, in ji Kearse, tana ƙarawa da cewa ALSF na taimaka wa gwamnatoci wajen magance waɗannan gibi.

Aljeriya na shirin fitar da sukuk nata na farko, bayan ta kafa tsarin doka da ake buƙata a 2025.

Mohamed Damak, Shugaban fannin ƙasa-da-ƙasa na Kuɗin Musulunci a S&P Global Ratings, ya ce fitar da sukuk yana da sarƙaƙiya fiye da lamuni na gargajiya, wanda ke iyakance ayyuka sosai ga kasuwannin asali irin su Malaysia, Indonesia, da ƙasashen GCC, inda ya kai dala biliyan $265 a 2025.

Duk da ƙalubale, Damak yana sa da kyakkyawan fatan fitowar za ta ƙaru zuwa dala biliyan $270–$280 a 2026, tare da tallafi daga ƙaruwa buƙatar masu zuba jari na Musulunci.

Ya yi nuni da ƙaruwar kashi 40% a sukuk mai ɗorewa zuwa dala biliyan $21.5 a 2025, yana kuma nuni da yiwuwar haɓaka a yankunan da ke bin manufofin da suka shafi yanayi, ciki har da Afirka.