Bankin ECOWAS don Zuba Jari da Ci Gaba

Bankin ECOWAS na Zuba Jari da Ci Gaban (**EBID**) babban bankin saka hannun jari ne na yanki da ci gaba, mallakar kasashe goma sha biyar na Ƙungiyar Tattalin Arziki ta Yammacin Afirka (ECOWAS) wato, Benin,  Burkina Faso, Cape Verde, Côte d'Ivoire, Gambiya, Ghana, Guinea-Bissau, Liberia, Mali, Nijar, Najeriya, Senegal, Saliyo da Togo. EBID ta himmatu ga tallafawa ayyukan ci gaba da shirye-shiryen da ke rufe shirye-shirye daban-daban daga ababen more rayuwa da abubuwan more rayuwa na asali, ci gaban karkara da muhalli, masana'antu, da bangarorin sabis na zamantakewa, ta hanyar masu zaman kansu da na jama'a. EBID ta shiga tsakani ta hanyar rance na dogon lokaci, matsakaici, da gajeren lokaci, shiga cikin daidaito, layin bashi, sake biyan kuɗi, ayyukan injiniyan kuɗi, da kuma ayyukan da suka shafi.

EBID ta fito ne a matsayin ƙungiyar banki (ƙungiyar EBID) bayan canjin tsohon Asusun hadin gwiwa, biyan kuɗi da ci gaban Kungiyar Tattalin Arziki ta Yammacin Afirka (Asusun ECOWAS) a cikin 1999.

**An kafa Asusun ECOWAS a cikin 1975 a lokaci guda da tsohon** Babban Sakatariyar Kungiyar Tattalin Arziki ta Yammacin Afirka (**[[ECOWAS Commission|Hukumar ECOWES]]** ta yanzu) kuma ta fara aiki a cikin 1979. 

EBID ta fara aiki a cikin 1999 a matsayin kamfani mai riƙewa tare da rassa biyu na musamman:

* Asusun Ci gaban Yankin ECOWAS (ERDF) don tallafawa bangaren jama'a; da
* Bankin Zuba Jari na Yankin ECOWAS (ERIB) don tallafawa kamfanoni masu zaman kansu.

A shekara ta 2006, Hukumar ECOWAS ta Shugabannin Jihohi da Gwamnati sun amince da sake tsara kungiyar EBID a cikin ƙungiya ɗaya tare da windows guda biyu: ɗaya don inganta kamfanoni masu zaman kansu ɗayan kuma, don haɓaka ɓangaren jama'a don fadada ayyukan Bankin zuwa ga masu ruwa da tsaki da ke da hannu a cikin ayyukan ci gaban tattalin arziki mai ɗorewa a matakan ƙasa da yanki. Bankin yana aiki a karkashin sabon tsari tun watan Janairun 2007. Hedikwatar Bankin tana cikin Lomé, Jamhuriyar Togo.

## Manufa da Manufofin
Manufar EBID ita ce ta ba da gudummawa wajen kirkirar yanayin da zai iya inganta fitowar Afirka ta Yamma mai karfi da tattalin arziki, masana'antu da wadata wanda aka haɗa shi sosai a ciki, da kuma cikin tsarin tattalin arzikin duniya don amfana da kuma amfani da damar da duniya ta bayar.

Ta hanyar Dokokin Tarayyar Bankin yana da niyyar: 

* Taimaka don cimma burin al'umma ta hanyar tallafawa ayyukan ababen more rayuwa da suka shafi hadin kan yanki ko duk wani ayyukan ci gaba a bangarorin jama'a da masu zaman kansu; da
* Taimaka wajen ci gaban al'umma ta hanyar tallafawa shirye-shirye na musamman.

## Yanayi don shiga tsakani
Masu cin gajiyar shiga tsakani na EBID

* Kasashen membobin ECOWAS ko hukumomin su;
* Kamfanoni na jama'a, kamfanoni masu zaman kansu da kamfanonin kamfanoni masu haɗin gwiwa na ECOWAS Member States;
* Cibiyoyin hada-hadar kudi na cikin gida;
* Kungiyoyin kamfanoni daga kasashe membobin ECOWAS ko daga ƙasashen waje da ke son saka hannun jari a yankin ECOWES, a bangarorin da ke cikin wuraren shiga tsakani na EBID.

## Shirye-shiryen da Gudanarwa
**Kungiyoyin yanke shawara na EBID**

* Kwamitin Gwamnoni
* Kwamitin Darakta
* Shugaban kasa

Kwamitin Gwamnoni shine mafi girman yanke shawara kuma yana da ayyukan kulawa kan gudanarwa da gudanarwa na Bankin. Kwamitin Daraktoci yana da alhakin ayyukan Bankin gaba ɗaya. Shugaban kasa yana da alhakin gudanar da yau da kullun na EBID kuma an bayyana ikonsa a cikin Dokokin Bankin. Shugaban yana da taimakon Mataimakin Shugaban kasa guda biyu wato, Mataimakin shugaban kasa na kudi da ayyukan kamfanoni da Mataimakin Shugaba na Ayyuka.

## Yankunan shiga tsakani
Ayyukan aiki na EBID an yi niyya ne don kafa tushe don ci gaba mai ɗorewa na Kasashen membobin al'umma ta hanyar tallafawa ayyukan yanki da na ƙasa (na jama'a da masu zaman kansu). Bankin yana aiki da farko a cikin yankuna masu zuwa:

* Makamashi
* Sufuri
* Lafiya
* Ruwa
* Kudi
* Aikin noma
* Ilimi
* Masana'antu

## Hanyoyin Shiga tsakani
EBID ta shiga tsakani ta hanyar:

* Kudin Long, Medium da Short-Term
* Kasancewa da Adalci
* Bayar da Lines of Credit da Putting in Place Yarjejeniyar Tsarin don Refincing
* Batutuwan da Tabbacin Lallafi, Biyan Kuɗi, Biyan da Sauran Tsaro
* Ayyukan Injiniya da Ayyuka

## Wasu Muhimman Ayyuka
Bankin ECOWAS don Zuba Jari da Ci Gaban (EBID) mai hannun jari ne a Ecobank Transnational Inc. da ASKY Airlines. Sauran nasarorin da EBID suka samu sune:

* Shekaru da yawa na gogewa a cikin kudaden aikin a ciki da tsakanin Kasashen membobin ECOWAS;
* Babban abokin tarayya don shirye-shiryen haɗin kai na yanki da aiwatar da haɗin gwiwar bangarorin jama'a da masu zaman kansu a cikin Kasashen membobin;
* Mai gabatar da Asusun Makamashi na Afirka da Sabuntawa (ABREF) yanzu ABREC;
* Abokin hulɗa da Manajan Asusun Tabbatar da Masana'antu na Al'adu (CIGF).

## Haɗin gwiwa
A cikin ikon kamfanoninsa, EBID tana aiki tare da kungiyoyin ci gaban kasa da na yanki da ke aiki a cikin ECOWAS. Hakazalika, tana aiki tare da wasu kungiyoyin kasa da kasa tare da irin wannan manufa da sauran cibiyoyin da ke da hannu a ci gaban yankin. EBID ta yi haɗin gwiwa tare da Deutsche Gesellschaft für Internationale Zusammenarbeit da Cibiyar Ci gaban Fertilizer ta Duniya a cikin 2019 da 2020 bi da bi don cimma burin gama gari.  EBID jas kuma ta yi haɗin gwiwa tare da Kasuwar Tattalin Arziki da Kudi ta Yammacin Afirka (WAEMU), Afreximbank, Banque Marocaine du Commerce Exterieur (BMCE), Tattalin arzikin OPEC don Ci gaban Duniya (OFID), Kamfanin Ci gaban Masana'antu (IDC), Bankin Larabawa don Ci gaban Tattalin arziki a Afirka (BADEA), Bankin Exim na Indiya, da Bankin Ci gaban Musulunci (IsDB).

## Manazarta