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Emathubeni Afrika ngisho ngemibhikisho ehamba phambili evikweni elisesabekayo laseNigeria
Naira yaseNigeria (NGN) ivumelekile ngokungenelela yehhovisi lesiginci lokubhalisa laseNigeria. Ithelelwa ngenyanga yaka-1973, ngemibandela yese-Naira ekhokhelisayo njengemali yaseqawuleni,kungakhokelelwa lapho eNigeria ibukisisele ekuqikisweni konke okumele kubuyele kokuphatsimlathi bese ekwenzeni isistimu sezimali esikhulu
Umphathiswa Wezikweletu WaseNingizimu Afrika (CBN) ungumhlinzeki wesehunyushelwe yaseNigeria futhi uqale amalungu omchini wokusebenza we-Naira yaseNingizimu Afrika. Ngokuba ngumhlinzeki omkhulu, umhlinzeki we- CBN uqondise ukusebenza kobulungiswa obusemanzi ukuze kube yilwa lomnotho kanye nokukhula.
Le-Naira yaseNigeria isehunyushwa kanjani phakathi kokuqambelanisa efulethi yasebhenishayo, kodwa kugcizelelwe okwenziwa okuningi kubroka bisa abanikezwe kwayo amakhowudi abuyekezelwe ngo-Naira.
Ukunamathela inkonte eyihlukile ngayo kwe-Naira kube kuhlakaniphelele, ngokusebenzisa esakhiweni sakho eNigeria noma kungani uma uvakashi okwesiko. Le migomo eyakho iyaqinisekisa imithopho yokuguqula imepho yokungenza imali futhi iyakunikeza ukwazi ukuvakasha emuva.
Njengoba ehlukene, le-Naira yaseNigeria ikhona umncintiswano ophakemeyo ezinhlelweni zomhlaba, kanye nokukhokheliswa kwezi mihla. Omkhulu ongasizakala kweziwo ziyabeiwa futhi uzetesthekiswe ngengxenye ka-2005 (17.9%), 2010 (13.7%), 2017 (16.5%), kanye no-2021 (17%). Ngokucabanga, nge-2023, le-Naira yayibheka ukugqoka owu-36% kuzikhungo zokukhokha ngokusebenzisa lezimali zaseqheshini uma iCBN yayizama ukwenaba ingxenye ethile. Lokhu kubekeza ukuthi isimo relative kakhulu sokungena nokuthengisa futhi ukufakwa kwezezimali zomhlaba. Iziganeko ezinhle kanye nokubhekisa okwenziwe empilweni yangempela ngamathuluzi nezimpilo noma imiphumela yo-Naira kungcono uma kuqhejekile.
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The Nigerian Naira underwent a significant exchange rate policy shift in 2016, transitioning from a pegged rate system to a more flexible exchange rate regime. Under this new system, the Naira was allowed to float within a specified range, determined by the Central Bank of Nigeria (CBN) in response to market forces. While the central bank retains some control over the currency's value, market factors play a more significant role in influencing its exchange rate.
The value of the Nigerian Naira is heavily influenced by commodity prices, particularly oil. As the second-largest oil and gas producer in Africa, Nigeria largely relies on energy exports, with the USA being a significant trade partner. Fluctuations in global oil prices directly impact the Naira's value, making it sensitive to changes in the oil market.
It's important to note that Nigeria's economy is characterized by high instability, as evidenced by multiple episodes of high inflation in recent years, such as in 2005 (17.9%), 2010 (13.7%), 2017 (16.5%), and 2021 (17%). Moreover, in 2023, the Naira experienced a significant devaluation of 36% on the foreign exchange market when the CBN failed to maintain the currency within its predetermined range. This highlights the currency's high risk and volatility as an account currency.
Considering these factors, traders and investors should exercise caution and carefully assess the economic situation, inflation risks, and currency policies before using the Nigerian Naira as an account currency. Due to its highly volatile nature, the Naira may pose considerable risks in Forex trading and international transactions. Appropriate risk management strategies and staying updated on economic developments are crucial when dealing with the Nigerian Naira.
