KASUWANCI — HANYAR ARZIKI
Mu Bincika. Mu Fahimta. Mu Bayyana Abin da Ke Faruwa.
Bincike na Musamman daga Alfijir Labarai
Talata, 29 ga Satumba 2026
SMEDAN DA ƘANANAN ’YAN KASUWA:
TALLAFI, HORO DA DAMAR KASUWA — WANENE YAKE AMFANA?
Daga Shirye-shiryen Gwamnati Zuwa Kasuwa:
Me Ɗan Kasuwa a Kano Zai Iya Samu a Aikace?
Gabatarwa
A makon da ya gabata, Alfijir Labarai ya duba kasafin kuɗin Ma’aikatar Masana’antu, Ciniki da Zuba Jari ta Tarayya, sabuwar manufar masana’antu, kasuwancin Najeriya da ƙasashen waje, da kuma yarjejeniyar CEPA tsakanin Najeriya da Hadaddiyar Daular Larabawa.
Amma kasuwanci ba ya ƙarewa a matakin ma’aikata da manufofi.
A ƙasa akwai ƙananan ’yan kasuwa, ’yan sana’a, masu sarrafa kayayyaki, masu sayarwa da masu samar da ayyuka waɗanda ke buƙatar jari, horo, kasuwa, fasaha da damar faɗaɗa kasuwancinsu.
A wannan makon, bincikenmu ya koma ga Small and Medium Enterprises Development Agency of Nigeria — SMEDAN.
Babbar tambayar da za mu yi ita ce:
Shirye-shiryen gwamnati na taimaka wa ƙananan ’yan kasuwa suna isa har matakin al’umma, kuma ta wace hanya ɗan kasuwa zai iya amfana?
1. SMEDAN DA SABON TSARIN KAI SHIRYE-SHIRYEN KASUWANCI ZUWA ƘASA
A ranar 21 ga Satumba 2026, SMEDAN da Association of Local Governments of Nigeria, ALGON, suka sanya hannu kan yarjejeniyar haɗin gwiwa domin ƙarfafa isar da shirye-shiryen raya MSMEs zuwa ƙananan hukumomi 774 na Najeriya.
A cewar SMEDAN, haɗin gwiwar zai taimaka wajen gano ’yan kasuwa da kamfanoni a cikin al’umma, sannan a haɗa su da shirye-shiryen gwamnati, damar samun kuɗi, horo da sauran tallafin bunƙasa kasuwanci.
Shirin ya kuma ambaci One Local Government One Product — OLOP — a matsayin ɗaya daga cikin shirye-shiryen da za a ƙarfafa a matakin ƙananan hukumomi.
Wannan ya buɗe wata muhimmiyar tambaya:
Shin sabon tsarin zai sa ƙaramin ɗan kasuwa da ke cikin ƙaramar hukuma ya fi samun damar shiga shirye-shiryen SMEDAN?
2. OLOP: ABIN DA ƘARAMAR HUKUMA ZA TA IYA BUNƘASA
SMEDAN ta sanya One Local Government One Product — OLOP — cikin shirye-shiryenta na raya ƙananan da matsakaitan ’yan kasuwa. Hukumar ta bayyana manufar shirin da bunƙasa samar da kayayyaki da ƙarfin kasuwanci na cikin gida.
A sabon haɗin gwiwar SMEDAN da ALGON, hukumar ta ce OLOP zai taimaka wajen gano kayayyaki da ayyukan tattalin arziki da ƙananan hukumomi ke da damar yin fice a kansu, tare da haɗa su da kasuwa da damar bunƙasa kasuwanci.
A nan ne binciken Alfijir Labarai zai so ya sauko zuwa Kano:
Waɗanne kayayyaki ko sana’o’i ne za su iya zama ginshiƙin tattalin arzikin wasu ƙananan hukumomin Kano?
Kuma idan an zaɓe su, wa zai amfana?
3. BA KUƊI KAWAI BA: HORO DA ƘWAREWA
SMEDAN tana gudanar da shirye-shirye daban-daban da suka shafi horarwa da bunƙasa ƙwarewar MSMEs. A cikin jerin shirye-shiryen hukumar akwai MSMEs Digital Academy, National Business Skills Development Initiative da sauran shirye-shiryen capacity building.
Misali, MSMEs Digital Academy tana koyar da dabarun digital marketing, e-commerce, cybersecurity da sauran ƙwarewar zamani da za su iya taimaka wa ’yan kasuwa wajen amfani da fasahar zamani wajen bunƙasa kasuwancinsu.
Saboda haka, tallafin kasuwanci ba dole ya kasance kuɗi kai tsaye ba.
Zai iya kasancewa:
Horo.
Ƙwarewar gudanar da kasuwanci.
Fasahar zamani.
Shawarar kasuwanci.
Haɗa ɗan kasuwa da kasuwa.
Amma tambayar bincike ita ce:
Nawa daga cikin ’yan kasuwa ne suke samun damar shiga waɗannan shirye-shiryen, kuma menene sakamakon da za a iya tabbatarwa?
4. CONDITIONAL GRANT SCHEME: MENENE SHIRIN YA TANADA?
SMEDAN tana kuma bayyana Conditional Grant Scheme for Micro Enterprises — CGS — a matsayin shirin da aka tsara domin nano businesses a matakin ƙananan hukumomi.
A bayanin hukumar, shirin yana bayar da tallafin ₦50,000 ga wanda ya cika sharuddan shirin, ciki har da sharadin ɗaukar mutum ɗaya aiki domin ƙarfafa samar da aikin yi.
Amma Alfijir Labarai ba zai ɗauki wannan bayanin a matsayin hujjar cewa kowane ɗan kasuwa a Kano ya samu ko zai samu wannan kuɗin ba.
Abin da ya kamata bincike ya tabbatar shi ne:
Wa ya cancanta?
Ta yaya ake neman tallafin?
Wa aka zaɓa?
Nawa aka bayar?
Kuma ina aka bayar?
Wannan shi ne bambanci tsakanin bayanin shirin da kuma hujjar amfanin da wani ɗan kasuwa ya samu a zahiri.
5. SABON DAMAR KASUWA: GROW NIGERIAN 2026
Wani sabon abin da ya kamata ’yan kasuwa su kula da shi shi ne National MSME Conference 2026 na SMEDAN, mai taken “The Next Frontier for Innovation, Policy and Market Access”.
Shafin taron ya nuna cewa za a gudanar da taron daga 8 zuwa 10 ga Nuwamba 2026 a Ecobank Pan African Centre, Victoria Island, Lagos.
Shirin ya ƙunshi MSME Marketplace mai rumfunan kasuwanci 156 gaba ɗaya, tare da guraben buɗe aikace-aikace 30 ga wasu ’yan kasuwa. Shafin ya nuna cewa wa’adin neman rumfar shi ne 3 Oktoba 2026.
Haka kuma, akwai Zero to 100 Pitch Competition mai jimillar kuɗin kyauta ₦50 million:
₦25 million ga wanda ya zo na farko.
₦15 million ga na biyu.
₦10 million ga na uku.
Wa’adin neman shiga gasar shi ne 10 Oktoba 2026.
Amma akwai muhimmiyar magana:
Neman shiga ko yin application ba yana nufin an tabbatar wa ɗan kasuwa rumfa ko kyauta ba. SMEDAN ta bayyana cewa zaɓi ne bayan tantance aikace-aikacen.
6. ME WANNAN YA NUFA GA ƊAN KASUWA A KANO?
Daga bayanan da muka duba, akwai hanyoyi daban-daban da ɗan kasuwa zai iya bibiyar su:
Shirye-shiryen SMEDAN na raya MSMEs.
Horarwa da bunƙasa ƙwarewa.
Digital skills da e-commerce.
OLOP da bunƙasa kayayyakin ƙananan hukumomi.
Damar shiga kasuwa da baje kolin kayayyaki.
Damar shiga gasar kasuwanci da neman tallafin kuɗi.
Amma kasancewar irin waɗannan shirye-shirye ba ta isa mu ce ɗan kasuwa ya amfana ba.
Sai an samu hujjar cewa ya shiga, an zaɓe shi, ko ya samu wani tallafi ko sabis.
7. ABIN DA BINCIKENMU YA GANO A FARKO
Bayanan da muka duba sun tabbatar da cewa:
– SMEDAN da ALGON sun sanya hannu kan sabon tsarin haɗin gwiwa domin ƙarfafa isar da shirye-shiryen MSME zuwa ƙananan hukumomi 774.
– OLOP na daga cikin shirye-shiryen da aka bayyana a matsayin wani ɓangare na ƙoƙarin bunƙasa kasuwancin cikin gida a matakin ƙananan hukumomi.
– SMEDAN tana da shirye-shiryen horo da bunƙasa ƙwarewar MSMEs, ciki har da MSMEs Digital Academy.
– SMEDAN tana bayyana CGS a matsayin wani shirin tallafin nano businesses bisa wasu sharudda.
– National MSME Conference 2026 tana ba da damar shiga marketplace da kuma Zero to 100 Pitch Competition, amma zaɓi yana ƙarƙashin sharudda da tantancewar SMEDAN.
Saboda haka, bincikenmu zai ci gaba da bambanta tsakanin:
ABIN DA AKA ƘIRƘIRA
ABIN DA AKA AIWATAR
DA
ABIN DA ƊAN KASUWA YA SAMU A AIKACE.
8. ABIN DA ZAMU DUBA A SASHE NA GABA
A Fitowa ta gaba, Alfijir Labarai zai sauko zuwa matakin Kano.
Za mu duba wasu takamaiman shirye-shirye da hukumomin da ke tallafa wa ƙananan ’yan kasuwa, sannan mu nemi amsar tambayoyi kamar:
Wa ya cancanta?
Ta ina ake yin rajista?
Wa aka zaɓa?
Me aka ba shi?
Kuma menene ya canza a kasuwancinsa?
Domin a ƙarshe, tambayar ba ita ce kawai:
“Shin akwai shirin tallafi?”
Tambayar ita ce:
“Shin ɗan kasuwa ya iya shiga shirin, ya samu abin da aka tsara, kuma akwai hujjar amfanin da ya samu?”
KASUWANCI — HANYAR ARZIKI
Mu Bincika. Mu Fahimta. Mu Bayyana Abin da Ke Faruwa.
Daga Alfijir Labarai
ALFIJIR LABARAI
Accurate • Timely • Trusted
MABUBBUGA
SMEDAN — SMEDAN/ALGON Partnership to Take Enterprise Support to Nigeria’s Grassroots.
SMEDAN — Our Programmes.
SMEDAN — Conditional Grant Scheme for Micro Enterprises.
SMEDAN — MSMEs Digital Academy.
SMEDAN National MSME Conference 2026 — GROW Nigerian.
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